text:
Some definitions refer to 'rules' set out in this Military Superannuation and Benefits Rules document, made under the Military Superannuation and Benefits Act 1991.
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1948 Act |
Defence Forces Retirement Benefits Act 1948 |
1973 Act |
Defence Forces Retirement Benefits Act 1973 |
1973 Scheme |
Retirement and death benefits scheme provided for in 1973 Act |
1973 Scheme (deterred benefit) re-entrant |
1973 Scheme re-entrant to whom, immediately before he or she became a member, deferred benefits applicable under 1973 Act |
1973 Scheme (invalidity pay) re-entrant |
1973 Scheme re-entrant whose invalidity pay under the 1973 Act was, upon becoming a member, cancelled under section 61D of the Act |
1973 Scheme (refunded contributions) re-entrant |
1973 Scheme re-entrant who, for their last service period as an eligible defence force member, cancelled under section 61D of the Act |
1973 Scheme (retirement pay) re-entrant |
1973 Scheme re-entrant who, in respect of their last service period as an eligible defence force member within the meaning of the 1973 Act, received, under section 56 of that Act, a refund of the contribution amount paid to them |
1973 Scheme re-entrant |
Member, not a transferred member, who: (a) was not a member before they began to render the period of continuous full-time service which they are rendering, and (b) had been an eligible defence force member within the meaning of the 1973 Act before becoming a member |
1973 Scheme retirement pensioner |
Person to whom retirement pay is payable under the 1973 Act |
1991 Scheme |
The Scheme |
1991 Scheme re-entrant |
Member who, having been a member and retired, again became a member after a break in the continuity of their service |
Accumulation fund |
Fund where retirement benefits are an accumulation of contributions and investing earnings (less fees, taxes and insurance premiums) |
Active manager |
Investment manager who is required to beat a benchmark; achieved by buying securities in different proportions from their benchmark weight; actively moves away from benchmark weight in individual investments where the manager has a conviction that those investments will either out- or under-perform the benchmark |
Active management |
Investment approach that aims to achieve returns above a set benchmark, identifying mispriced securities, traded for profit |
Activity fees |
A fee is an activity fee if: a. the fee relates to costs incurred by CSC as the trustee of the superannuation entity that are directly related to an activity of the trustee: i. that is engaged in at the request, or with the consent, of a member; or ii. that relates to a member and is required by law; and b. those costs are not otherwise charged as an administration fee, an investment fee, a buy-sell spread, a switching fee, an exit fee, an advice fee or an insurance fee. |
Actuary |
Individual qualified to make calculations and valuations in respect to superannuation funds, insurance funds or other investment forms; fellow or accredited member of Institute of Actuaries of Australia |
AD(JR) Act |
Administrative Decisions (Judicial Review) Act 1977 |
Australian Defence Force |
Administration fees |
An administration fee is a fee that relates to the administration or operation of the superannuation entity and includes costs incurred by the trustee of the entity that: a. relate to the administration or operation of the entity; and b. are not otherwise charged as an investment fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. |
Advice fees |
A fee is an advice fee if: a. the fee relates directly to costs incurred by the trustee of the superannuation entity because of the provision of financial product advice to a member by: i. a trustee of the entity; or ii. another person acting as an employee of, or under an arrangement with, the trustee of the entity; and b. those costs are not otherwise charged as an administration fee, an investment fee, a switching fee, an exit fee, an activity fee or an insurance fee. |
Allocated Pension |
Type of retirement income arrangement under which an individual invests a lump sum and then draws down an annual pension to a value taking account of expected cash flow needs and life expectancy; some income may be eligible for a 15% tax rebate |
Allocation |
Of a unit in an investment division, meaning given by rule 11O |
Allowance |
Allowance determined by Defence Force Remuneration Tribunal under section 58H of the Defence Act 1903 |
Alternative investments |
Non-traditional assets outside those traditional asset classes of shares, property, fixed interest and cash; examples include infrastructure assets, buy-out funds and venture capital |
Ancillary Benefit |
Meaning given by sub rule 85 (2) |
Ancillary contributions |
May include additional personal contributions, government co-contributions, salary sacrifice, spouse contributions, transfer amounts |
Annuity |
Arrangement where periodic payments are made to a person in return for investment of a lump sum, usually to provide retirement income |
Appropriate date |
Date when application for superannuation information is received by trustee, or date specified in application for super information |
Australian Prudential Regulatory Authority |
Australian Securities and Investment Commission |
Asset allocation |
Weighting of assets in an investment portfolio among different asset classes (such as shares, bonds, property and |
Asset classes |
Group of financial assets with similar investment characteristics such as Australian company shares in asset class of equity |
Associate |
Meaning given by subsection 46 (1A) of the Act; note under subsection 46 (1A) of the Act an associate is a person to whom an associate benefit is payable Associate benefit includes an associate A benefit, an associate B benefit and an associate pension |
Associate A benefit |
Meaning given by sub rule 85 (1) |
Associate B benefit |
Meaning given by sub rule 86 (1) |
Associate pension |
Pension paid under rule 95 |
Australian Taxation Office |
Australian and international property securities |
Best thought of an investments in companies or property trusts often listed on the Australian or international stock exchanges; similarly to listed shares, their value fluctuates with supply and demand |
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Bank |
Includes but not limited to a body corporate that is an ADI (authorised deposit taking institution) for the purpose of the Banking Act 1959 |
Base amount |
Dollar figure set out in a court order or superannuation agreement to be allocated to the non-member spouse under family law split |
Benchmark |
Indexes or other market measurements to 'benchmark' investment performance and risk against for a comparable investment |
Bond |
'Promise' or debt security given to investors by government or public authority in exchange for cash from lenders to investors; a bond holder is a credit issuer, not a shareholder |
Buy-sell spreads |
A buy-sell spread is a fee to recover transaction costs incurred by the trustee of the superannuation entity in relation to the sale and purchase of assets of the entity. |
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Calendar month |
Period commencing at the beginning of a day of one of a particular month and ending immediately before the beginning of the corresponding day of the next month or, if there is no such corresponding day, ending at the expiration of the next month |
Carry over value |
In relation to a 1973 Scheme (deferred benefit) re-entrant, an amount calculated in relation to that person in accordance with Schedule 10A |
Chief of Defence Force |
Certified financial planner |
Qualified person who provides comprehensive advice and assistance for purpose of meeting clients' financial needs and life goals; investment advice can only be provided by a person or corporation licensed by the Australian Securities and Investments Commission |
Child |
In relation to a person who has died, includes:
Classification |
Classification referred to in rule 22 |
Co-contribution |
Additional contributions from the Australian Government for low income earners; specific eligibility criteria applies |
Committee |
Established by MSB Board (trustee of MilitarySuper to 30 June 2011; now Commonwealth Superannuation Corporation) including Incapacity Classification Committee and Reconsideration Committee |
Commonwealth Superannuation Corporation |
Trustee of CSS (replaced ARIA on 1 July 2011); provides superannuation services and products to Australian Government employees and Military Personnel through nine schemes:
Commutation |
Technical term describing withdrawing some or all of your money from a retirement income stream as a lump sum amount; some retirement income streams do not allow you to withdraw money (these are called 'non-commutable) |
Complying fund |
Fund that complies with operating standards specified in the Superannuation Industry (Supervision) Act 1993 (SIS) legislation; is thereby eligible to receive concessional taxation treatment |
ComSuper |
Commonwealth Superannuation Administration |
Consent orders |
Parties agree on terms of an order |
Concessional contributions |
Normally contributions your employer has made on your behalf (for which your employer can claim a deduction) and salary sacrifice contributions; prior to 1 July 2007 concessional contributions were known as deductable contributions |
Consumer Price Index (CPI) |
Most common method of measuring the rate of price inflation; it measures quarterly changes in price of a 'basket' of goods and services which account for a high proportion of representative expenditure of metropolitan wage and salary earners |
Contested orders |
Orders determined by Court in contested proceedings |
Contribution |
An amount of money placed into scheme or fund |
Contributions tax |
Tax applied to certain contributions such as employer and salary sacrifice contributions when paid to a superannuation fund |
Contributory service |
In relation to a transferred person, service by person after 1 October 1991 for which they paid contributions under Part 2 or contributions under section 17 of1973 Act |
Core portfolio |
Investment portfolio comprising in general a large proportion of fund assets invested in a highly controlled fashion in order to secure fund liabilities with a reasonable degree of confidence |
Court order |
Order issued by Court exercising power under the Family Law Act 1975; can be obtained by consent if parties agree |
Crediting rate |
Final interest rate determined by trustee at which interest is allocated to member accounts; determined at the end of a specified period and based on fund performance after fees and charges are deducted. No longer used by MilitarySuper; unitisation replaced crediting rates |
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Debt instruments |
Security representing borrowed funds to be repaid by issuer at an agreed interest rate |
Deductible amount |
Tax-free component of retirement pay; ff you take retirement pay including your member contributions paid from after-tax dollars (non-concessional contributions), you will receive tax deductions each year for a portion of this amount over the life of your retirement pay |
Default Investment Division |
Meaning given by rule 11D |
Default regulations |
Family Law (Superannuation) Regulations 2001; sets out more detail about superannuation information requests and responses and how to value superannuation interests for family law splits |
Defensive assets |
Assets (such as cash and bonds) not very susceptible to market fluctuations |
Defined benefit fund |
Fund which defines retirement benefit as a multiple of member's salary; usually based on member's period of fund Membership and not directly linked to contributions made over membership; MilitarySuper and DFRDB are defined benefit funds |
Department |
Department of State for Defence |
Derivatives |
Investment products (such as a share option) derived from other securities or assets; value is linked to value of underlying security |
Determination No. 6 of 1992 |
Determination No. 6 of 1992, Salaries, made under section 58H of the Defence Act 1903, as in force from time to time |
Defence Force Retirement and Death Benefits |
DFRDB member |
Member of 1973 Scheme |
Direct property |
Investments held directly in real estate; not indirect property investments such as units in a property trust |
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Earning rate |
Rate of return on money invested, usually expressed as an annual percentage; calculated after taxes and fees are deducted |
Effective exposure |
Proportion of MilitarySuper invested in a particular market sector if all assets are included; used to manage fund risk profile in order to implement investment positions |
Eligible child |
In relation to a person who has died and was at the time of his or her death, an ancillary, an associate, a Member or a former Member, a person who is the child of the deceased person and:
Eligible service |
Service calculated in relation to person in accordance with Schedule 6 |
Emergency forces |
Meaning given under Defence Act 1903 |
Employer benefit |
Amount of employer benefit calculated for a person in accordance with Schedule 8 |
Employer benefit multiple |
Figure derived from your length of service; multiplied by your final average salary to determine your employer benefit; multiple is 0.18 for each year of service up to seven years, 0.23 for each year after seven years up to 20 years, and 0.28 for each year thereafter |
Employer funded account |
For unitised member, account under paragraph 11M (1) (b) |
Exit fees |
An exit fee is a fee to recover the costs of disposing of all or part of members' interests in the superannuation entity. |
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Family law value |
Value of superannuation interest using Scheme Specific Factors and Methods (SSFM) |
Final average salary |
Amount calculated for a person in accordance with Schedule 7 |
Final Average Salary (FAS) |
Average of your superannuation salary earned in last three years before retirement or other departure from MilitarySuper (or your period of membership if less than three years). Your employer benefit is determined by multiplying your employer benefit multiple by your Final Average Salary (FAS) |
Financial year |
A period of 12 months commencing on 1 July |
Flag lifting agreement/order |
Lifts previously made payment flag from a member super interest |
Flagging agreement/order |
Prevents a trustee from making splittable payments in respect of a member's interest, and requires trustee to notify the Court when a splittable payment becomes payable for that super interest |
Flying allowance |
Allowance of that name established by Determination No. 7 of 1997, Flying Allowance, made under section 58H of the Defence Act 1903, as in force from time to time |
Foreign service member |
A person (not being a person who has been an eligible Member of the ADF within the meaning of the 1973 Act):
Form 6 |
Declaration to accompany application to trustee for information about a superannuation interest; form number of this declaration in the Family Law (Superannuation) Regulations 2001 |
Financial Services Guide |
Financial Services Reform |
Full-time service |
Of a kind similar to continuous full-time service in the ADF for a period of or exceeding 12 months, and (c) with regard to whom the Board, after consultation with the appropriate authority of the Defence Force, directs that the full-time service or a part of that service of that person with those forces is to be included in aggregated service for the purposes of Schedule 8 |
Fund |
Fund established, and vested in the Board, by the Trust Deed |
Funded Employer Benefit |
In relation to a person, means:
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Growth assets |
Assets such as company shares that provide investment returns (comprising capital and income) that outperform inflation |
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Hedge fund |
Investment type where manager uses higher risk techniques to generate higher returns including derivatives, short selling and borrowing in order; hedge fund management is highly specialised |
Hedging |
Investment position taken to counteract risk of another position |
Higher duties allowance |
Allowance determined under Part IIIA of the Defence Act 1903 |
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Incapacity Classification Committee |
Indirect cost ratio |
The indirect cost ratio (ICR) for an investment option offered by a superannuation entity is the ratio of the total of the indirect costs for the investment option to the total average net assets of the superannuation entity attributed to the investment option. Note: A dollar-based fee deducted directly from a member's account is not included in the indirect cost ratio. |
Indirect property |
Property investment made by purchasing units in a property trust, or shares in a property company |
Interim benefit |
Interim benefit accrued for person in accordance with clause 7 of the Defence Force (Superannuation) (Productivity Benefit) Determination (made under section 52 of the Defence Act 1903) while the person was an eligible defence force member within the meaning of 1973 Act |
Interim salary fortnight contribution |
A contribution by member who is a transferred person; rate is governed by operation of sub rule 4 (1A) |
International shares |
Money invested in international companies and sectors outside Australia; value of capital is affected not only by value of shares but also by currency exchange rates |
Invalidity |
In relation to a person, includes physical or mental incapacity of the person to perform his or her duties |
Invalidity component |
Payment to a person from super fund or employer made after 30 June 1994 due to person's disability |
Invalidity pension |
Pension payable under rule 27 or 28 |
Invalidity pensioner |
Person entitled to invalidity pension or would be entitled if pension payment had not been suspended under sub rule 25 (3) |
Invalidity retiree |
Person who is about to be, or has been, retired from defence force on the ground of invalidity including a person who, in accordance with rule 30, is to be treated as if he or she had been retired on that ground |
Investment Division |
Established under rule 11A or by trustee action under rule 11C |
Investment fees |
An investment fee is a fee that relates to the investment of the assets of a superannuation entity and includes: a. fees in payment for the exercise of care and expertise in the investment of those assets (including performance fees); and b. costs incurred by the trustee that: i. relate to the investment of assets of the entity; and ii. are not otherwise charged as an administration fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. |
Investment income |
Regular payment from an investment, such as interest from cash and bonds, or rent from property and dividends received from shares |
Investment nomination |
Meaning given by rule 11Q |
Investment strategy |
Set of principles used to govern how investment portfolios are managed |
Issue price |
Meaning given by rule 11J |
Interactive Voice Response telephone system |
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Lifetime pension or annuity |
Retirement income invested in super (or other money invested) with income paid periodically such as monthly; capital not taxed but minimal income flexibility available; in MilitarySuper, the employer sponsored pension is indexed to CPI and paid for the life of a member |
Long term |
Investment reference to period more than five years |
Lump sum |
Superannuation benefit taken in cash rather than rolled into an income stream such as a lifetime pension or allocated pension |
Lump sum maximum benefit limit |
Amount calculated for person in accordance with paragraph 1 of Schedule 3 |
Leave without pay |
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Marginal tax rate |
Tax rate payable on top proportion of an individual's income |
Market price |
Last reported price of a stock sold |
Market timing |
Purchase or sale of stocks on basis of shorter-term price patterns and temporary market opportunities plus view of underlying value; extremely difficult to get right consistently |
Master trust |
Fund allowing many unconnected companies and/or individuals to operate through same fund; generally operated by banks, life insurance companies and specialist superannuation administrators |
Maximum Benefit Limit (MBL) |
Set in MilitarySuper rules as upper limit on benefits which can be paid; contributions stop once total MilitarySuper benefit ( member benefit and employer benefit) reaches this limit; MBLs apply mainly to longer serving members; MilitarySuper will notify you if close to your MBL |
Maximum Concessional Contribution |
Maximum amount per annum contributed into super for which a tax deduction is allowed; dependent on person's age and tax deduction is available to employers and the substantially self-employed only |
MBL member |
Member who ceased to pay contributions in accordance with rule 5 |
Medium term |
Investment reference to period of one to five years |
Member |
Member of scheme in accordance with section 6 of the Act |
Member benefit |
For a person, means: (a) before 1 July 2002 – an amount calculated in accordance with Schedule 9;and (b) on or after 1 July 2002 – the sum of the value of units in the person's Member funded account and Member unfunded account |
Member benefit protection |
Legal requirement where a fund cannot charge administration fees in excess of interest credited unless fund's total investment income is less than total expenses for accounts with a balance below $1000; means small inactive accounts are not eroded by fees; does not apply to tax on employer contributions or any insurance premiums; all administration charges in MilitarySuper met by the employer |
Member contribution |
Money contributed by employee from after-tax salary; not taxed when deposited into fund provided the member has not claimed a tax deduction for the contribution; amounts contributed from 1 July 1999 cannot be taken on exit until you reach your preservation age or retire permanently from the workforce |
Member funded account |
Account established under paragraph 11M (1) (a) |
Member spouse |
Spouse with superannuation interest in fund with superannuation entitlement from split under family law splitting order or superannuation agreement under Part VIIIB of the Family Law Act 1975 |
Member unfunded account |
Account established under paragraph 11M (2) (a) |
Membership |
Membership of MilitarySuper |
MilitarySuper |
Military Superannuation and Benefits Scheme |
Month |
Calendar month |
Military Superannuation and Benefits |
Military Superannuation and Benefits Scheme (MilitarySuper) |
Military Superannuation Communication Committee |
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Net asset backing |
Total shareholder funds in a company divided by issued shares |
Net asset value |
Total assets less total liabilities |
Non-preserved amount |
Part of member benefit not subject to preservation; can be withdrawn before member reaches their preservation age; are all contributions in MilitarySuper made before 1 July 1999 |
Non-concessional contributions |
After-tax money invested in a super fund such as additional personal contributions |
Non-member spouse |
Spouse, not member spouse, with interest in super entitlement subject to a family law splitting order or superannuation agreement |
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Operative time |
Date split takes effect, specified in a court order; or four business days after a superannuation agreement is served on the trustee; non-member spouse becomes an associate scheme member |
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Parliamentary Candidates Act |
Defence (Parliamentary Candidates) Act 1969 |
Participating employer |
Employer who makes superannuation contributions to fund on behalf of their employees; Department of Defence for MilitarySuper |
Passive |
Investment approach with objective to achieve market or index returns; no judgments made on future market movements |
'Pay as you go'; taxation procedure for wage and salary earners under which income tax is deducted in installments from periodic payments |
Payment phase |
Interest not in growth phase at time of split; for example, member spouse in receipt of pension |
Payment split |
Splitting order/agreement |
Product Disclosure Statement |
Pension |
Regular periodic payment, either by government or as super benefit |
Pension maximum benefit limit |
Amount calculated in relation to a person in accordance with paragraph 3 of Schedule 3 |
Percentage-only interest |
Superannuation interest where member interest is determined by reference to a percentage; Family Law (Superannuation) Regulations 2001 prescribe certain superannuation interests to be percentage-only interests; MilitarySuper does not have percentage-only interests |
Permanent Forces |
Same meaning as in Defence Act 1903 |
Physical exposure |
Actual cash amount invested in physical assets such as market sector or at total portfolio level; does not include amounts for future drawdown and investment (ie for private equity, infrastructure and opportunistic property), currency hedging positions or derivatives (investment products such as option to purchase shares derived from other securities or assets) to manage risk profile of fund and to implement investment positions |
Personal superannuation |
Arrangement between individual and a life office or bank where benefit is funded entirely from individual's own contributions, not their employer; members should seek professional investment advice before entering into such arrangements and should pay close attention to level of fees and commissions charged, especially penalties applied in the event of early termination of these arrangements |
Portability |
Ability to take your superannuation with you when you change jobs |
Portfolio |
Investor's range of investment holdings which generally references its composition (ie mix of different asset classes or mix of different sectors and stocks for single asset class) |
Post-30 June 1983 component |
Portion of your benefit relating to service after 30 June 1983; benefits concessionally taxed and depend on your age and amount involved |
Pre-1 July 1983 component |
Portion of your benefit relating to service before July 1983; only 5% is included as taxable income in the year you receive the benefit |
Preference shares |
Shares ranking before ordinary shares in the event of liquidation of the issuing company; usually receive a fixed rate of return on unfranked investment |
Prescribed fee |
Fee in regulations made in pursuance of section 52 of the Act |
Prescribed half-year |
Half-year commencing on 1 January 2002 or a subsequent half-year |
Prescribed year |
Year commencing on 1 July 1991 or a subsequent year |
Preservation |
Legal requirement for certain superannuation benefits to stay in super or a rollover fund until member retires after they reach their preservation age; released before preservation age only in very limited circumstances, including total and permanent disablement and extreme financial hardship |
Preservation age |
Age at which super fund member can access their preserved benefits, provided they permanently retire from the workforce |
Preserved amount |
Part of member's benefit subject to preservation |
Preserved funds |
Funds in superannuation structure until retirement on reaching preservation age or other genuine retirement from the workforce; funds are 'preserved' and cannot generally be withdrawn until retirement |
Profit |
Amount earned upon selling an asset that increased in value beyond original purchase price |
Previous contributions |
Contributions made by person under previous legislation, other than: (a) any such contributions refunded to him or her under that legislation, and (b) in the case of a person who, immediately before he or she transferred from the 1973 Scheme, was rendering continuous full-time service (in this paragraph called the relevant service) and who, before he or she began to render the relevant service, was a 1973 Scheme retirement pensioner - any such contributions made in respect of service rendered by the Member before the Member began to render the relevant service, and (c) any such contributions in respect of which a transfer value was paid under section 82ZA of the 1948 Act or section 77 of the 1973 Act |
Previous legislation |
1948 Act and 1973 Act |
Private equity |
Equity interest in companies not listed on a recognised stock exchange; can include unlisted public companies or privately owned businesses operating under a proprietary limited arrangement |
Productivity component |
Amount, equal to 3% of salary paid into MilitarySuper by Department of Defence; introduced in 1988 after national wage case decision to grant Australian workers a 3% pay rise as contribution to superannuation by their employer; in MilitarySuper, it forms part of your total employer benefit which is calculated by multiplying your employer benefit multiple by your Final Average Salary (FAS) |
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Q & S Component |
Qualifications and skill component of an allowance |
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Reconsideration Committee |
Real interest rate |
Nominal (unadjusted) interest rate less current inflation rate |
Real rate of return |
Amount a rate of return exceeds inflation rate over a period; for example, fund aims to achieve a rate of return for members of 3% per annum above the inflation rate over any three-year period |
Reasonable Benefit Limit (RBL) |
Maximum super benefit an individual can receive over a lifetime on concessionally taxed basis; more generous if benefit is taken as a pension than as a lump sum |
Regulated superannuation fund |
Fund falls under regulation of SIS legislation; becomes 'regulated' when it elects to adopt a corporate trustee structure, or when its principal activity is provision of age pensions to members |
Reporting compliance |
Information super fund trustees must provide to their members, parties and to regulatory authorities such as the Australian Taxation Office and Insurance and Superannuation Commission, in order to comply (meet) with legislative requirements |
Reserves |
Fund assets not allocated to member accounts when interest is credited; used to 'smooth' fluctuations in returns from year to year |
Return |
Money received from investment, usually expressed as a percentage |
Regulation 72 notices |
Notice to trustee from associate member to set out relevant personal information required under regulation 72 of the Family Law (Superannuation) Regulations 2001 |
Regulated superannuation Fund |
Same meaning as in section 19 of Superannuation Industry (Supervision) Act 1993 |
Relevant date |
Relates to payment split under a superannuation agreement |
Relevant percentage |
Percentage applicable to spouse or child of deceased member in accordance with Schedule 4 |
Relevant provision |
Relates to Parliamentary Candidates Act 1969, subsection 10 (2), 11 (2) or 12 (2), as case requires |
Reserve Forces |
Same meaning as in Defence Act 1903 |
Retirement pensioner |
Former member paid a pension not including person paid a pension because they are spouse or child of a deceased member |
Risk budget |
Expression of level of risk a fund is prepared to accept to achieve target return for each investment option |
Risk |
Variability of returns from an investment; risk that returns achieved will be lower or higher than anticipated; more risk must equal higher expected returns if investors are to be attracted |
Rollover |
Transfer of a superannuation benefit or other superannuation rollover benefits payment within superannuation environment between funds, or from a fund to an income stream such as an allocated pension |
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Salary |
Meaning given by Part 10 of Rules Schedule; generally any periodical payment made to a person in return for work or services |
Salary sacrifice |
Agreed arrangement between an employer and an employee whereby the employee agrees to sacrifice part of their gross salary in exchange for a benefit, such extra employer contributions to super; these superannuation contributions are preserved |
Scheme specific factors and methods (SSFM) |
Refers to methods and factors prescribed for civilian and military schemes to enable a superannuation interest to be valued for family law splitting purposes; methods and factors took effect on 18 May 2004 but apply to all family law superannuation splits |
Scheme |
Military Superannuation and Benefits Scheme set by Trust Deed |
Scheme value |
Value of superannuation interest in Scheme for family law purposes using method set out in SSFM and factors set out in Ministerial orders (CSS), Trust Deed (PSS), or in attachment to actuary's document (DFRDB and MilitarySuper) |
Superannuation Complaints Tribunal |
Self-managed superannuation fund |
Fund where all administration and investment management is performed by trustee not external service providers |
Separation declaration |
Written declaration, signed by at least one spouse that must be served on trustee within 28 days of spouse(s) signature; only relevant to super agreements where parties are separated but are not yet divorced |
Service |
Service as member of the Australian Defence Force |
Service allowance |
Allowance established under Determination No. 11 of 1994 made under section 58H of the Defence Act 1903 |
Service offence |
Same meaning as in Defence Force Discipline Act 1982 |
Shares |
Part ownership of a company given to investor (shareholder); provides certain rights such as right to participate in profits through dividends, voting rights, and in the event company is dissolved, right to a claim against asset remaining after all debts are paid |
Short term |
Investment reference to period usually less than one year |
Superannuation Industry (Supervision) Act 1993 |
SIS preservation threshold amount |
Amount specified, in column 2, in item 104 of Schedule 1 to the Superannuation Industry (Supervision) Regulations |
SIS Regulations |
Superannuation Industry (Supervision) Regulations 1994 |
Special action forces allowance |
Allowance under Determination No. 11 of 2002, Special Action Forces Allowance, made under section 58H of the Defence Act 1903 |
Specialist operations allowance |
Allowance under Determination No. 19 of 2002, Specialist Operations Allowance, made under section 58H of the Defence Act 1903 |
Spouse contribution |
Contribution made by a person to their spouse's super fund; attractive taxation benefits may be available |
Spouse's pension |
Pension paid to spouse under Part 4 of these Rules |
SRC Act |
Superannuation (Resolution of Complaints) Act 1993 |
Statistician |
Australian Government Statistician |
Statutory Retiring Age (SRA) |
Age determined by Department of Defence at which you must retire from the Australian Defence Force |
Submarine service allowance |
Allowance established by Determination No. 9 of 1995, Submarine Service Allowance, made under section 58H of the Defence Act 1903 |
Superannuation |
Money saved during working life for retirement |
Superannuation Complaints Tribunal |
Tribunal established by Australian Government to deal with complaints about super fund trustee decisions; requires complaints to be fully addressed through fund's internal dispute resolution procedure first |
Superannuation Guarantee (SG) |
Minimum amount an employer must contribute to a complying superannuation fund on behalf of each qualifying employee; employers who fail to meet their SG obligations are liable to a substantial financial penalty, called the Superannuation Guarantee Charge (SGC) |
Superannuation Industry (Supervision) Act (SIS) 1993 |
Legislation governing operation of all complying superannuation funds |
Superannuation lump sum payment |
Payment from super fund, or employer, to a person upon resignation, retrenchment, disablement, death or retirement; payment can be rolled over to another fund or taken in cash in some instances |
Superannuation Surcharge |
Tax on super contributions made by employers (including salary sacrifice contributions) for high-income earners; may apply to members who have not provided their tax file number |
Surcharge |
Superannuation Contributions Tax (Assessment and Collection) Act 1997 is a tax on employer-financed superannuation contributions |
Surcharge debt account |
Maintained under section 16 of the Superannuation Contributions Tax (Assessment and Collection) Act 1997 |
Surcharge deduction amount |
In relation to scheme member or to whom benefits become payable under the Rules; specified in determination made by trustee, under Schedule 12, in relation to the member |
Switching fees |
A switching fee is a fee to recover the costs of switching all or part of a member's interest in the superannuation entity from one class of beneficial interest in the entity to another. |
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Tax file number |
Unique number issued to individuals and organisations by Australian Taxation Office to increase efficiency in administering tax and other government systems such as income support payments |
Taxable (untaxed) source |
Tax paid on taxable part when claiming your benefit; part of your benefit from an untaxed source is also made up of different components, most common of which is post-June 1983 taxed element |
Taxed sources |
Source where tax was previously paid including additional personal contributions, salary sacrifice contributions, transfer amounts and any earnings on these contributions; your benefit from a taxed source is divided into two parts – tax-free and taxable |
Today's dollars |
Projected amount discounted to take out effect of inflation |
Total and permanent disablement |
Definition may vary slightly, but generally requires that, for payment of an insurance benefit, the fund trustee must be satisfied that the member is unlikely to be able to work in any occupation they may be suited by reason of their training, education or experience; members may misunderstand that they would be covered if they are unable to return to the position they held before they became disabled, but the test is normally more strict; some funds provide different forms of disablement insurance cover, such as temporary disablement cover |
Total benefit |
Sum of a member benefit and employer benefit |
Transfer |
Of a unit in an Investment Division, has the meaning given by rule 11S |
Transfer amount/separation amount |
Starting amount of associate's interest in relevant scheme |
Transfer application |
Meaning given by rule 11U |
Transfer value |
In relation to a transferred person, amount calculated in accordance with Schedule 10 |
Transferred (former recipient) person |
Transferred person who, immediately before transferring from 1973 Scheme, was rendering continuous full-time service and who, immediately before beginning to render that service, was a 1973 Scheme retirement pensioner |
Transferred (refunded contributions) person |
Transferred person who, immediately before transferring from 1973 Scheme, was rendering continuous full-time service and who, before he or she began to render that service, had been an eligible defence force member within meaning of 1973 Act during an earlier period of such service rendered by him or her, in respect of which he or she: received, under section 56 of that Act, a refund of the amount of the contributions paid by him or her, and did not subsequently make an election under paragraph 63 (1) (d) or subsection 64 (1) of that Act |
Transferred person |
Person who became a member in consequence of having made an election to do so under section 132 of the 1973 Act |
Trust deed |
Legal document to set out rules governing operation of a super fund; members are entitled to view a copy of their fund's trust deed, although they may be charged a fee to be sent a copy |
Trustee |
Corporate body with legal responsibility for running of a fund in accordance with requirements laid out in trust deed; has fiduciary duty to act in good faith and best interests of members |
| |
Unit value |
Meaning given by rule 11I |
Unitisation |
Conversion of member interest-bearing accounts to unit-based accounts within MilitarySuper |
Unsplittable interest |
Super interest of member spouse with withdrawal benefit under $5000 |
| |
Value/valuation |
In relation to family law; higher of scheme value and family law value at operative time |
Volatility |
Degree of fluctuations in an investment such as share prices or exchange rates; one measure of risk |
Voluntary contributions |
Personal contributions made by members; additional to employer contributions |
| |
Withdrawal price |
Meaning given by rule 11K |


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Build your ideal itinerary by adding your favourite destination, tour, holiday extras and more to your very own Worldwide Cloud!
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A spontaneous idea of rotating camera clockwise and anti-clockwise, created a wonderful form of patterns around my legs. It looked mythical and I titled "Dreamâ€, all dreams are weird, some are powerful in the form of spiritual, some fearful and some breaks your head and makes you jump out of bed, I think, if I titled something like "drowning into abyssâ€, I feel any one will jump out of bed and scream and rush to a psychologist if the dream appears each and every night.
On the other side technically, I think it is Light Painting. It is a deliberate approach towards creativity.
3 responses
Sabrina Raymond (Deleted) gave props (7 Jul 2010):
This is a wonderful effect. What was the shutter speed? It does look like you're standing in water. Or should I say on water.
Rhian Syahzana (Deleted) gave props (8 Jul 2010):
Wow wow wow..... I don't know what to say.... just wow
Lyana Votey said (14 Jul 2010):
How creative. I absolutely love it.


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Tue Dec 18, 2012, 07:11 AM
xchrom (108,903 posts)
Why Do We Get Riled Up About Gun Rights, and Not Rights to Health Care and Education?
The suicide/mass-killing in Newtown has provoked Senator Dianne Feinstein to propose going back to the assault weapons ban that George W. Bush let lapse in 2004. Thats a nice start, but increasing numbers of Americans are calling for a ban on all guns, except for those carried by people who actually need them. And theres a strong argument to be made for it. The Charles Koch Foundation, which was founded in 1974 and then changed its name to the Cato Institute two years later, would like you to know something about gun control. In a commentary titled Gun Control, Myths and Realities , their director of publications, David Lampo, writes: he facts show that there is simply no correlation between gun control laws and murder or suicide rates across a wide spectrum of nations and cultures. In Israel and Switzerland, for example, a license to possess guns is available on demand to every law-abiding adult, and guns are easily obtainable in both nations. Both countries also allow widespread carrying of concealed firearms, and yet, admits Dr. Arthur Kellerman, one of the foremost medical advocates of gun control, Switzerland and Israel have rates of homicide that are low despite rates of home firearm ownership that are at least as high as those in the United States. Sounds pretty compelling, right?
7 replies, 1571 views
Always highlight: 10 newest replies | Replies posted after I mark a forum
Replies to this discussion thread
7 replies | Author | Time | Post |
Why Do We Get Riled Up About Gun Rights, and Not Rights to Health Care and Education? (Original post) |
xchrom | Dec 2012 | OP |
cantbeserious | Dec 2012 | #1 | |
Skittles | Dec 2012 | #2 | |
NYC_SKP | Dec 2012 | #3 | |
HiPointDem | Dec 2012 | #4 | |
WooWooWoo | Dec 2012 | #5 | |
Iggy | Dec 2012 | #6 | |
Indydem | Dec 2012 | #7 |
Response to xchrom (Original post)
Tue Dec 18, 2012, 07:13 AM
cantbeserious (13,039 posts)
1. Yes - Until One Realizes That The Death Merchants Have A Profit Motive
Response to xchrom (Original post)
Tue Dec 18, 2012, 07:13 AM
Skittles (112,056 posts)
2. that is the sick gun nut culture in which we live
we have coddled their twisted delusions for far too long and it HAS TO STOP
Response to xchrom (Original post)
Tue Dec 18, 2012, 07:16 AM
NYC_SKP (68,644 posts)
3. Yes, why not health care and education?
I heard Feinstein on the radio today.
I've never liked her very much. I think we get riled up because of the fetish factor, the guns in movies factor, the guns and violence associated with sex factor. And the fetish factor is by no means limited to gun enthusiasts. The fetish factor is shared, maybe to a greater degree, by those who get all riled up about them. K/R |
Response to xchrom (Original post)
Tue Dec 18, 2012, 07:21 AM
HiPointDem (20,729 posts)
4. people get riled up about whatever is put in front of their faces repetitiously. and nearly
everything that is put in front of their faces is put their by some faction of the ruling class, for its own purposes.
Response to xchrom (Original post)
Tue Dec 18, 2012, 07:22 AM
WooWooWoo (454 posts)
5. because, as conversatives have shown time and again
its easier and lazier to react to something and call for a ban of things than it is to fight for something new.
Response to xchrom (Original post)
Tue Dec 18, 2012, 07:38 AM
Iggy (1,418 posts)
6. BECAUSE: We Don't See
Twenty six or seven year old kids dying from lack of health care services.
Unfortunately, and this indicates just how weak congress and Obama are-- it took these kids getting shot multiple times in the head to FINALLY act on new gun legislation-- the horror at Aurora was not enough to move them. FAIL. |
Response to xchrom (Original post)
Tue Dec 18, 2012, 07:50 AM
Indydem (2,642 posts)
7. Which amendment to the constitution reads:
"The right to healthcare and education shall not be abridged"?
Furthermore, in what way are those services being denied? No one receives free firearms as a contingent of the 2A so while you argue healthcare is a right how it is paid for remains the issue. If we can manage to get single payer for all passed and ratified as an amendment then it will stand above the 2A. |


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Tropical Fish Keeping - Aquarium fish care and resources
- Freshwater and Tropical Fish
- - anyone know anything about a African bumble bee catfish
anyone know anything about a African bumble bee catfish I just looked up some slight info about an african bumblee bee catfish and was wondering if anyone has taken care of one before.. this is the african type that grows to about 3 in thanks jep |
Yes. They're cool little fish, lots of fun. What is it you'd like to know? |
how many are u able to have in a tank and are they aggressive? |
How many depends on the size of the tank and what else is in it. As for aggression... they are not aggressive really, but they are predatory, so if it fits into their mouths expect it to be food. They are a typical catfish in that way. They are a schooling fish, so a group of 3 - 5 minimum would help keep them active and healthy. Less than 3 of them and you'd be lucky to see them at night when they came out for food and they would stress much easier/quicker. I wouldn't keep them with anything small like neons or guppies, but in a tank with gouramis (standard), kribensis, some of the larger barbs such as the neon rosy barbs, larger tetras such as congo tetras, larger rainbows such as turquoise, etc. they would make for a fun and interesting mix. I would not mix them with dwarf cichlids, large aggressive and/or predatory cichlids such as convicts, oscars, etc. or African cichlids... and I would not mix them with other catfish (including corys), loaches, or small bottom feeding animals such as dwarf frogs, shrimp, etc. These guys need plenty of territory to call their own, caves and log overhangs will be their favorite spots. If given the proper environment and large enough tank they will spend a lot of time chasing each other around, stalking anything they perceive as prey, and poking around on the bottom of the tank. They stress easily, I would not list them as one of the heartiest of the catfishes, but if proper care is taken to transport and acclimate them, they settle in rather quickly. I hope this helps. If you have further questions please ask. |
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Horse Racing: Henry Schouten browse these categories for related items... All Items: Fine Art: Paintings: Oil: Europe: Dutch: Pre 1900: item # 444242 Please refer to our stock # 366 when inquiring.
King Art Milwaukee Wisconsin 414-276-6779 Guest Book "Sold" |
Henry Schouten, Dutch, 1864-1827. Schouten was born in Indonisia and died in Gand. He was known for his landscapes with animals as the dominant subject. This large oil on canvas is in a wonderful period frame and is in good condition. It is clearly signed. The canvas measures 32" X 40" and framed 44" X 53". Schouten's paintings sell for up to $30,000. |


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5th May 2006, 10:01 AM | #1 |
diyAudio Member
Join Date: Aug 2005
Location: NW UK
Phase plugs
OK, OK, I know this has been discussed several times in the past but it would be good to get feedback from the people who have used them.
I have a set of MK's MLTL's with 207E's and even after 100hrs the mid/high's are still a bit.....bright! I have the correction circuit in place and have changed it to give me what I see as the optimum setting (it really does work well) but that glare keeps coming back on certain albums. It doesn't help that I have a T-amp running them either! Unless there is something else I can do to inhibit the effect, do these phase plugs help? Maybe the Decware socket? Any tried and tested feedback would be much appreciated. As a footnote I would like to compliment Martin on a very simple (it needed to be with my abilities) but effective design that has introduced me to the world of high definition sound! Thanks Lee |
5th May 2006, 12:48 PM | #2 |
diyAudio Member
Join Date: Jul 2003
Location: SW London
Hi, I have some of Planet10's wooden phase plugs set into a pair of RS-401197s in my Buschhorns. They gave an instant improvement, smoothing the treble and I've never felt the need to change them.
"A squid eating dough in a polyethylene bag is fast and bulbous, got me?" |
5th May 2006, 03:02 PM | #3 |
diyAudio Member
Join Date: Dec 2004
Location: Toronto, ON
I have some plannet 10 phase plugs on my FE206e's which have the same cone as your 207's. It seemed to me that the addition of the plugs smoothed out the treble a bit. The character of the driver is still forward though.
You might also consider the $0.99 tweak....you damp the wizzer cone by wrapping a finger sized cylander of teased wool or polyester stuffing between the main cone and the back of the wizzer. Try it, as you have nothing to lose-if you don't like the result, take it off. |
5th May 2006, 06:12 PM | #4 | |
diyAudio Member
Join Date: Aug 2005
Location: NW UK
That sounds like a nice and easy one to try first! Cheers jeremy Lee |
5th May 2006, 08:12 PM | #5 |
diyAudio Member
Join Date: Jan 2006
Location: Genoa IL far west Chicago suburbs
I second JEREMYM`s recommendations. The phase plugs from Planet 10 accomplished exactly what I was hoping for, even exceeded my expectations. Testimonial from another satisfied customer.
5th May 2006, 08:38 PM | #6 |
diyAudio Member
Join Date: Nov 2003
Location: 1/2 way up Vancouver Island
Well I must chime in here and offer something.
I am the guy that cuts the wood and works the lathe, that spins the plugs, that dave sells. The comments from you guys make me feel happy. I am glad that I make a product that is appreciated and functional. It is motivating to read that others have had the same experience as me. I am glad you like the plugs I make.
5th May 2006, 09:03 PM | #7 | |
diyAudio Member
Join Date: Jul 2003
Location: SW London
Re: Plugs
"A squid eating dough in a polyethylene bag is fast and bulbous, got me?" |
5th May 2006, 10:35 PM | #8 | |
diyAudio Moderator
Re: Plugs
5th May 2006, 10:39 PM | #9 |
diyAudio Member
Join Date: Nov 2003
Location: 1/2 way up Vancouver Island
Cal, Cal, Cal,
You are a very funny guy. I am glad you picked up on my little joke. The world is a better place because of you and Jimmy Buffet. Say hi to Sonja for me
5th May 2006, 10:51 PM | #10 |
diyAudio Member
Join Date: Nov 2004
Location: Peachland, B.C.
I can hardly wait till you guys report on what changes they made on the B200. It's been so long since I heard them that I'm actually starting to like the Jordan's again.
"If you are wise, your wisdom will reward you" -Solomon 3rd King of Israel |
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The Viburnum Blue Jays girls basketball team lost Monday's home conference game against Cuba by a score of 55-38.
Game Details: Viburnum High School Gym
Viburnum's stats are presented by HoopStats Basketball Scoring for iPhone/iPadRare Software
Fans at Monday's league challenge between the Cuba Wildcats (Cuba, MO) and the host Viburnum Blue Jays (Viburnum, MO), saw Cuba's basketball squad knock off Viburnum by a score of 55-38.
With the victory, Cuba improves its record to 10-1 on the campaign. The Wildcats host Dixon (Dixon, MO) to battle the Bulldogs in a non-league challenge on Tuesday, January 25. The Bulldogs come into the challenge with a record of 8-3. Dixon won 74-43 in their recent non-league challenge against Plato (Plato, MO)
Next up, the Blue Jays battle the Bourbon War Hawks (Bourbon, MO) in a Gasconade Valley challenge, on Friday, January 28. Viburnum will attempt to improve on its 7-7 season record.
The Cuba Wildcats girls basketball team won Monday's away conference game against Viburnum by a score of 55-38.
The Viburnum Blue Jays girls basketball team lost Tuesday's away conference game against Cuba by a score of 59-43.


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by Sean O'Neill | Rental Cars | 24 |
Within the next six months, rental car companies Avis and Budget will deploy AT&T;'s new in-car live TV Cruisecast service, with 22 channels of satellite TV and 20 satellite radio channels. The cost will be $9 a day, or $63 a week.
The blogger Electronista gave the service a test-drive. The quality of the standard-definition signal depends on having line-of-sight with the satellite. In other words, if you go into a tunnel or underneath a skyscraper, your TV or radio signal may be interrupted. But the tester found that the signal was strong at other times.
Channels included are Disney, Disney XD, Discovery Kids, Animal Planet, Nickelodeon, Cartoon Network Mobile, USA, Comedy Central, MSNBC, CNN Mobile Live, and CNBC.
Get Inspired with more from BudgetTravel.com
Note:This story was accurate when it was published. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.


text:
Despite another new try with another confusing format, Saturday's NASCAR Sprint Showdown turned out to be another in a long line of less than dramatic or exciting All-Star events.
Turn to any form of NASCAR covering media over the past three days and the theme has been the same: How can NASCAR fix its All-Star event?
Contrived efforts to somehow take action-sapped racing and turn it interesting through formatted segments, field inversions, mandatory pit stops or even confusing mathematics involving average finishes has only served to turn uninteresting into uninteresting and complicated.
And lost in all the talk of quick fix gimmicks to return a once proud event to glory is the question of how much damage has been done by the continued push of disingenuous marketing?
Promoting the NASCAR All-Star event as no holds barred shootout is like the WNBA promoting itself as an above the rim slam dunk fest. NASCAR is guilty, the track ownership is guilty, the broadcasting partners are guilty and even the drivers are guilty.
Pushed on fans annually in the weeks leading up to the All-Star event is a story of the astonishing dramatics that's in store at Charlotte Motor Speedway.
Listen to drivers talk when asked about the All-Star event in the weeks leading up to it and one would think upcoming was theater on par to rival the Gladiators vs. the Lions.
Talk is about letting it all hang out, doing anything to win because no points and big money are on the line. Offered are overhyped predictions of beating, banging, gouging and rooting for every position on the track.
And they know it won't happen because they know they're the ones that won't do it. Maybe 20 years ago, not today.
Beating, banging, pushing, shoving, going for it all on the track with no regard for the consequences? Sure, that's a pretty picture painted of the days of old when it comes to stock racing and the early days of the All-Star event, but it's hardly representative of what fans are going to see these days at speed on most 1.5-mile cookie cutter ovals like Charlotte Motor Speedway.
And yet it's a myth still pushed and pushed and pushed every year.
And when people get sold a bill of goods over and over they most likely are going to stop buying into whatever they're being sold going forward. Ultimately the ticket-buying consumer will decide if the All-Star event needs to remain. Selling them annually on a blockbuster that will never really happen is only going to serve to hurt the product more and more each year no matter the format. RaceDayCT.com
Copyright 1999-2016 | AutoRacing1 is an independent internet online publication and is not affiliated with, sponsored by, or endorsed by IndyCar, NASCAR, FIA, Sprint, or any other series sponsor. This material may not be published, broadcast, or redistributed without permission.


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Fenton retires
The Herald reports:
Labour MP Darien Fenton will leave Parliament at the next election.
The list MP announced today she would not seek re-election at the September election.
"I'm grateful for the opportunity to have served in Parliament as a Labour MP for nearly nine years," she said.
I wish Darien well. She always stood up for her views, and is a very approachable MP.
The retirement makes sense. It helps Labour rejuvenate, and even in the unlikely chance of a Labour-led Government she was unlikely to be a Minister (not close to Cunliffe).
This brings the number of retirements to four – Ross Robertson, Shane Jones, Rajen Prasad and now Darien Fenton.


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ETF spotlight on the PIMCO Investment Grade Corporate Bond Index Fund (NYSEArca: CORP), part of an ongoing series.
Assets: $274.0 million
Objective: The Investment Grade Corporate Bond Index Fund tries to reflect the performance of the BofA Merrill Lynch U.S. Corporate Index, which holds investment grade corporate debt.
Holdings: Top holdings include: Repo 4.0%, Repo 1.6%, JPMorgan Chase & Co. SR Unsec 1.5%, AT&T Inc. Glbl NT 1.2% and Verizon Comm Glbl SR Unsec 1.2%.
What You Should Know:
- Pacific Investment Management Company sponsors the fund.
- CORP has an expense ratio of 0.20%.
- The fund has 245 holdings and the top 10 make up 14.2% of the overall portfolio.
- Maturity distributions include: 0-1 years 3%, 1-3 years 18%, 3-5 years 12%, 5-10 years 47%, 10-20 years 1% and 20+ years 19%.
- Bond holdings have an average effective maturity of 9.79 years and an average effective duration of 6.51 years.
- Country allocations include: U.S. 73.6%, U.k. 5.5%, Canada 3.2%, Australia 2.1%, Netherlands 1.7%, Switzerland 1.6%, Japan 1.5%, Brazil 1.4%, Germany 1.3%, Mexico 1.2%, Russia 1.0%, Belgium 0.9%, France 0.7%, Hong Kong 0.7%, Sweden 0.6%, Luxembourg 0.6%, Peru 0.3%, Spain 0.2%, Italy 0.1% and Norway 0.1%.
- S&P credit ratings include: AAA 0.7%, AA+ 1.8%, AA 4.1%, AA- 5.5%, A+ 9.5%, A 14.6%, A- 20.5%, BBB+ 12.1%, BBB 15%, BBB- 5.4% and BB+ 2.6%.
- CORP has 30-day SEC yield of 2.61%.
- The fund is up 2.5% over the past month, up 4.2% over the three months and up 9.2% year-to-date.
- The ETF is 2.1% above its 200-day exponential moving average.
- "Investors holding this fund are generally looking for a relatively safe and consistent income stream," according to Morningstar analyst Timothy Strauts. "The other reason to own this fund is that you think that the medium-term corporate-bond market is generally underpriced and that you expect bonds to appreciate in value."
- "Like all bond funds in general, this ETF is subject to inflation and interest-rate risk," Strauts added. "As inflation rises, the value of the underlying bonds will most likely decline. The same is true if the real risk-free rate of return demanded by investors increases."
The Latest News:
- BlackRock, Glenmede and four other firms that collectively managed over $4 trillion in assets are fueling the rally in bonds as they move more money into corporate bonds, Bloomberg reports.
- The Bank of America Merrill Lynch Global Broad Market Corporate Index is set to gain 3.6% in July, the highest increase since the index's inception in 1997.
- "People are saying the economy is sluggish, but it's not so bad that companies are going to start defaulting left and right and getting downgraded severely because they've got a lot of cash and have funded out their debt maturities," Martin Fridson, a global credit strategist at BNP Paribas Investment Partners, said in the article.
PIMCO Investment Grade Corporate Bond Index Fund
For past stories in this series, visit our ETF Spotlight category.
Max Chen contributed to this article.


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Should You Kegel?
Introduced in 1948 to strengthen the pelvic floor, Kegel exercises have recently experienced a surge of controversy. The discussion on how and when Kegels (an exercise designed to improve core strength and support the internal organs) are appropriate for women requires examining how the pelvic floor functions and what keeps it in shape.
This article discusses the function of the pelvic floor, how to properly incorporate Kegels into your lifestyle and alternatives if Kegels are inappropriate for you.
The function and purpose of the pelvic floor.
The pelvic floor consists of a group of muscles that sit between your pubic bone in front and your coccyx, tailbone, in the back. Ideally, the pelvic floor acts like a trampoline - flexible to weight when needed, but strong enough to hold up what is placed on it. The pelvic floor has four main functions:
- It acts as a sphincter, which means it closes the openings of the urethra and the vagina.
- It is supportive. In particular, it supports the pelvic organs (uterus, bladder, etc.).
- It has a sexual function. An orgasm is a rhythmic contraction of the pelvic floor muscles.
- It is a stabilizer. The muscles of the pelvic floor stabilize the pelvis during movement. When functioning properly, the pelvic floor can help prevent or decrease pain in the low back, pelvic region, hip, and even the knees. Think of the pelvis as the foundation of a house and your spine as the house. If the foundation is weak, then the house won't stand properly. Your pelvic strength is important to your spinal health and thus the health of the entire body.
The pelvic floor muscles do not exist alone. They work together with your transverse abdominals and multifidus (deep back) muscles to support your pelvis and spine. Your glutes are also very important to the stability of your body- specifically your gluteus medius.
In addition to the everyday necessity of a strong pelvic floor for prevention of problems like urine leakage, a strong pelvic floor is specifically important during pregnancy and childbirth. Most every pregnant woman has noticed increased pressure and, sometimes, trouble with leaking urine as the baby gets bigger and presses down more and more on the bladder. A strong pelvic floor can help with this and is important to proper positioning of the baby at the time of birth.
The ideal position for a baby to be born is with the face towards the mother's tailbone with the chin tucked to the chest. This ensures that the smallest presenting part (that "cone head†sometimes noticeable in the hours after birth) is presenting. A strong pelvic floor applies appropriate pressure to the top of the baby's head, causing the chin to tuck and encouraging this birthing position for the baby. A face or military presentation (where the face of the baby is the presenting part) is much bigger, can cause more pain, and can, in fact, be impossible to deliver vaginally.
A properly functioning pelvic floor will help prevent embarrassment, discomfort, and even difficult labors.
What are Kegels?
Arnold Kegel was a gynecologist in the 1940s who worked with women suffering from "genital relaxation†or a weak pelvic floor. He used an instrument that could measure the strength of the pelvic floor muscles to determine the severity of the condition. Dr. Kegel saw women of all ages who struggled with various problems (incontinence, sexual dysfunction, etc.) due to a weak pelvic floor. His intention was to find a way to help people who struggled with urinary incontinence without resorting to surgery. (You can read Arnold Kegel's published paper on the pelvic floor here.) He sought to help women learn to identify and strengthen the pelvic floor through resistance exercise, ie, muscle contraction. His findings indicated that in all but the most severe cases of pelvic floor damage, women could return to a normal, functional lifestyle through these exercises. The strengthening of the pelvic floor muscles, pioneered by Dr. Arnold Kegel, are known today as Kegel exercises.
Researchers are still finding great benefits to women who are doing proper pelvic floor exercises. Today, rather than using the instrument used by Dr Kegel, physical therapists and others specializing in female pelvic floor health use biofeedback machines to measure the strength of the pelvic floor and to help women learn how to properly contract and relax these muscles.
Proper Kegeling
While Kegel exercises for the pelvic floor are currently very accepted and widely done, it is apparent that just doing Kegels, without proper instruction, is simply not enough. A Kegel exercise program should be done properly and should be individually geared for each woman and her needs. The Kegel program taught in Birth Boot Camp classes is based on the work of Pamela Jones, PT. This individualized program helps each woman assess her pelvic floor needs and adjust her exercise program.
It is important that women struggling with severe or specific problems or pelvic pain consult with their care provider or seek out a physical therapist specializing in women's health. The following are general tips for properly strengthening the pelvic floor.
A proper Kegel requires FULL relaxation and then FULL contraction and then back to FULL relaxation. Remember, proper Kegels don't just involve contractions. Relaxation is a very important component to your pelvic floor health. If a woman cannot achieve full pelvic floor relaxation then stretching and relaxation techniques should be used first.
To begin Kegeling, you must first recognize the muscle that you will be strengthening. This is often done by stopping the flow of urine mid-stream. The muscle that you tighten in order to do this will be the same one you strengthen doing Kegels. (Don't do this frequently, only to initially identify the correct muscle.) Noting how easy this is for you and how quickly it can be done can give you some indication of your pelvic floor strength. Another way to identify strength of the pelvic floor is by tightening your pelvic floor during intercourse and getting feedback from your partner. Note how long you can hold this contraction and how many times you can repeat it. As you begin a pelvic floor strengthening program, continually ask for feedback from your partner.
Once your pelvic floor strength has been determined, you can tailor your Kegel program to fit your needs. A weaker pelvic floor will require just three to five repetitions five times per day in a position where gravity can assist you. For example, with your hips propped up with pillows. A woman with a stronger pelvic floor will be able to Kegel in an upright position, even while walking or running and will be capable of doing more contractions.
Remember to tighten and then FULLY relax the muscle. A proper Kegel will develop both strength and awareness of the muscle. We don't just want a "tight†pelvic floor; we want a strong pelvic floor which we are able to fully relax. Also, be aware of the surrounding muscles. The point of a Kegel is not to tighten the gluts or bottom.  Those should stay relaxed. Focus on muscles in the front. It will feel like you are tightening the vaginal opening rather than the rectum.
No more Kegels?
It seems clear that the scientific literature and popular opinion recognize the importance of both the strength of the pelvic floor and the importance of Kegels in this strength. Despite this, Kegels have fallen out of favor in some circles and this sentiment has made its way into the birthing world.
Often those who believe Kegels should not be done recommend squatting instead. Any comprehensive birthing class will encourage and focus on squats. They are a very important exercise for many reasons - flexibility, strength, and opening up the pelvic outlet. They are also effective in strengthening the pelvic floor without the use of Kegels. Our childbirth instructors encourage their students to appropriately squat AND Kegel as part of their comprehensive physical preparation for childbirth. Many other exercises are also encouraged which help strengthen the body for birth. Ideally, these two exercises (squats and Kegels) will both be employed by women for a fully functional, flexible, and strong pelvic floor.
Is there a time when Kegels are not appropriate? Some women will find that their pelvic floor is excessively tight. Tight is different than strong. In fact, a woman can have a weak pelvic floor that is very tight. This is usually accompanied by pelvic floor pain. Women describe this pain as feeling like a headache in the pelvis. For those women whose pelvic floor is very tight, doing excessive Kegels would not be appropriate and could make the problem worse. Diagnosis and treatment from a physical therapist specializing in pelvic floor problems may be appropriate. Your physical therapist would be able to prescribe an individualized program that could help.
In addition to exercise, we recommend that pregnant women seek chiropractic care from a Webster certified chiropractor. Chiropractic care during pregnancy can also help with some of the pain associated with pregnancy and, like a strong pelvic floor, can help ensure proper positioning of the baby. As mentioned earlier, the pelvic floor, spine and pelvis all work together for a functioning, healthy, and pain free body. If the pelvis is badly misaligned causing torque on the pelvic floor muscles and thus excessive tightness and an inability to fully relax, it can not only cause pain but make it nearly impossible to properly Kegel and strengthen the pelvic floor muscles. A chiropractic adjustment by a Webster certified chiropractor can remove the misalignment in the pelvic bones allowing full relaxation of the pelvic floor and relieving pain. Once the bones are properly positioned and the muscles are allowed to fully relax, a complete Kegel exercise program may be implemented to strengthen the muscles that were once weak and hypertonic (tight), allowing it to be both supple and strong.
In conclusion
Without a doubt, a strong and healthy pelvic floor is important to every pregnant woman. A comprehensive childbirth class should include various ways to strengthen the pelvic floor, including Kegels, squats, and other core strengthening exercises. It is important for women to evaluate their own individual needs and adapt, as necessary. Your childbirth educator will also go over many of the ways you can protect both the pelvic floor and the perineum (tissues between the rectum and the vagina) during birth.
Additional information and resources-
Dr Kegel's Research: http://journals.lww.com/greenjournal/Citation/1956/11000/Early_Genital_Relaxation__New_technic_of_diagnosis.4.aspx  Study finds Kegel exercises more effective than cone or electric treatment: http://www.bmj.com/content/318/7182/487.abstract  Cochrane Library meta analysis finds that doing Kegel exercises improves lifestyle and in particular, stress incontinence: http://onlinelibrary.wiley.com/doi/10.1002/14651858.CD005654.pub2/abstract;jsessionid=ECFB884EB2A0D1D252E134351F9B8AA4.d03t01  Website for Pamela Jones, Physical Therapist specializing in women's issues: http://physicaltherapy-northtexas.com/  To find a chiropractor certified to work work with pregnant women, check out: http://icpa4kids.org/Find-a-Chiropractor/  Thanks to Sara Bogner, Physical Therapist and Nathan Clark, DC for lending their professional opinions on this subject.    Sarah Clark has been a birth instructor since 2008 and now helps train future birthing instructors for Birth Boot Camp. A mother of four, she also blogs about natural birth and motherhood at www.mamabirth.com.


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From | "email@example.com (JIRA)" <xalan-...@xml.apache.org> |
Subject | [jira] Created: (XALANC-593) Poor performance with a complex XSL stylesheet and large XML file |
Date | Thu, 22 Dec 2005 11:55:30 GMT |
Poor performance with a complex XSL stylesheet and large XML file ----------------------------------------------------------------- Key: XALANC-593 URL: http://issues.apache.org/jira/browse/XALANC-593 Project: XalanC Type: Bug Components: XalanC Versions: 1.9, 1.10 Environment: Platform: Windows XP Professional Processor: 2GHz RAM: 1Gb Reporter: email@example.com Xalan is performing poorly for a complex XSL transform on a large XML file. I have the details below, and I am attaching files for XML input and the XSL files. There are 2 problems - one is that a 1.5MB XML file takes about 2 minutes to be transformed. This could be solved by changing the XSL? - any suggestions welcome! The second problem is that the performance does not 'scale' with the size of the XML input - I took the same XML file and halved the size, and the performance more than doubled. So it looks like performance worsens with the size of the XML input. Performance in 1_10 is slightly worse than 1_9. =============================== Xalan-C_1_9_0-win32-msvc_60 Xalan -t: 1.5MB XML: Source tree parsing time: 340.398336 milliseconds. Stylesheet compilation time: 133.1826288 milliseconds. Transformation time: 119932.1820512 milliseconds. 733Kb XML: Source tree parsing time: 158.737142 milliseconds. Stylesheet compilation time: 67.1794638 milliseconds. Transformation time: 36380.30150 milliseconds. =============================== 1.5MB XML: Xalan-C_1_10_0-win32-msvc_60 Xalan -t: Source tree parsing time: 255.852040 milliseconds. Stylesheet compilation time: 68.236948 milliseconds. Transformation time: 134556.299906 milliseconds. 733Kb XML: Source tree parsing time: 142.380952 milliseconds. Stylesheet compilation time: 68.1692120 milliseconds. Transformation time: 41232.867330 milliseconds. =============================== -- This message is automatically generated by JIRA. - If you think it was sent incorrectly contact one of the administrators: http://issues.apache.org/jira/secure/Administrators.jspa - For more information on JIRA, see: http://www.atlassian.com/software/jira --------------------------------------------------------------------- To unsubscribe, e-mail: firstname.lastname@example.com For additional commands, e-mail: firstname.lastname@example.com | |
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Rated : 3.62 based on 8 votes.
Keyhacks: Press [1] - for Nitro [2] - To Win
Compete in the SpongeBob cup against 3 other racers. Race round Bikini Bottoms 4 race tracks to become the champ.
If you have any problems viewing this game please fill out the details below. Before reporting a broken link / game please make sure of the following:


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SickKids offers primary and secondary care for the population in metropolitan Toronto, as well as tertiary and quaternary care for patients from all communities in Ontario, and for children throughout the world.
As an innovator in child health, SickKids' mission is to lead and partner to improve the health of children through the integration of care, education and research. This is achieved by providing the best in complex and specialized health care for children; creating ground-breaking scientific and clinical advancements; sharing knowledge and expertise worldwide; and championing the development of an accessible, comprehensive and sustainable child health care system.
2009-2010 2008-2009Inpatient ActivityAverage number of patients a day 275 275Admissions 14,187 13,808Patient Days 100,342 100,332Average Length of Stay (days) 7.1 7.3
Operating Room CasesInpatient 6,248 6,238Day Surgery 5,092 5,146Total 11,340 11,384
Ambulatory VisitsEmergency 57,710 54,580Ambulatory clinics 215,213 202,878Total 272,923 257,458
Surgical: Cardiovascular surgery, dental/oral surgery, general surgery, gynecology, neurosurgery, ophthalmology, orthopedic surgery, otolaryngology, plastic surgery, solid organ transplantation, urology.
Medical: Allergy and immunology, adolescent medicine, cardiology, dermatology, developmental paediatrics, general paediatrics, emergency medicine, endocrinology, gastroenterology, genetics / metabolics, haematology/oncology, infectious diseases, neonatology, nephrology, neurology, nutrition, oncology, pharmacology, physical medicine & rehabilitation, respirology, rheumatology.
Also: Mental health services, anaesthesiology, critical care medicine, palliative care, burns, clinical genetics, and trauma.


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Who was the Electric Pencil?
Monday, March 19, 2012
Wild West Shows and Baseball
Discover more about the Electric Pencil.
(click the image)
Civil War Traces
There are some Civil War references to ponder about....
(click the image)
Monday, March 12, 2012
The Mystery of the Electric Pencil
Check out our Kickstarter Video!
Our documentary tells the story of an extraordinary artist who
in 1925,
at the tender age of 17, was committed for
, to State Lunatic Asylum #3 in Missouri.
Although we've discovered the identity of the artist, that discovery has revealed many mysteries yet to be resolved. With your help, using Edward's life history as a starting point and these amazing drawings as a backdrop, we plan to not only profile an amazing artist – but we'll also tell the
under-told story
about how mental illness affects families and society...
A story
with great relevance today.
We're off and running!... We launched our Kickstarter Fundraising campaign to help us get this tragic, yet inspiring story out.
, as you may know, is an exciting new form of grassroots fundraising and marketing for creative projects. How does it work? A pledge of
any amount
officially makes you a
of the project. Pledges will only be processed if we make our
goal within 30 days...so time is of the essence! Check out our REWARDS! It would be great to have you part of this important unfolding story!
Five years ago, New York based artist and art dealer, Harris Diamant, discovered an extraordinary hand made album containing 283 drawings done on ledger sheets from State Lunatic Asylum No. 3, in Nevada MO. The unknown artist was given the name THE ELECTRIC PENCIL, based on the title of a single drawing.
The album and drawings look like artifacts from a distant time; arresting portraits of people with startling eyes wearing 19
century clothing, Civil War soldiers, antique cars, fantastic boats and trains, country landscapes with roaming animals, and other drawings that seem fanciful and bizarre. Who was this artist? The artwork is a treasure-trove of clues… a diary that tells a story in the artist's own personal symbolic language.
Our documentary will tell the story of how this treasure was lost and then found. It's a tale of mystery and detective work that led to the discovery of the artist's family, confirmed the artist's identity, and unearthed parts of his tragic, yet uplifting life story. Although we've discovered the identity of the artist, that discovery has revealed many mysteries yet to be resolved.
The ledger sheets, each imprinted with the name of the hospital, are another important clue...one that opens a door to a story of historic significance, the under-told and nearly forgotten saga of the beginnings of our mental health care system.
Our documentary project grew out of our increasing fascination with what we were uncovering. Our 18-minute documentary,
The Electric Pencil
-- introduces the story we've uncovered so far. Your support will help solve the unanswered mysteries and questions
surrounding The Electric Pencil... helping us to produce a feature-length documentary for a national audience that tells the full story of the artist's troubled life and his extraordinary art.
Check out our Kickstarter video to see what we've done so far and come along with us on this journey of discovery...Thank you for considering our project!
Wednesday, January 18, 2012
THE ELECTRIC PENCIL, The Artist's Identity has been discovered!
Our new VIDEO
tells the story of Outsider Artist James Edward Deeds Jr. Committed for Life at the tender age of 17 to Lunatic Asylum No.3, Nevada, MO in 1925 after a stormy adolescence and chronic abuse at the hands of his father
Heavily subjected to psychotropic drugs and electric shock treatment, his is a tale of the need to create, even in the most adverse conditions. Deeds executed an extraordinary album of drawings, acknowledged as masterpieces of Outsider Art. The incarcerated artist created a world of formal beauty and calm in a life that could only be described as hellish. His story is a journey through changing times and the beginnings of our modern mental healthcare system.
Tuesday, May 3, 2011
Art & Antiques
See what Art & Antiques had to say about the Electric Pencil!
Wednesday, April 13, 2011
NY Journal of Books Review...
In 1970, a young boy rifled through a large trash container in Springfield, Missouri. He reached in his hand and pulled out a handmade album knit together with fabric and leather. Opening it, he saw drawings, 283 in all, that had been somewhat lovely sewn together into the old album, each hand numbered, and each drawn on ledger pages from the State Lunatic Asylum No. 3, located in Nevada, Missouri...
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"cp /tmp/driftnet/* /anydir" Should be: cp /tmp/driftnet* /anydir
I know you'd have worked it out - thought I would save you the trouble http://www.backtrack-linux.org/forum...lies/smile.png
It rings a bell, I'll see if it's included or not. Thanks for the suggestion !Regarding saving the images, I had more success with 'tcpxtract', however am not
sure whether this is included in the stock BT5 ..
Might be an option to look into though.
I thought about that... And was thinking that before "killall driftnet" I should add something like "cp /tmp/driftnet/* /anydir".comaX, why not grep through the /tmp files and pull out drift-........ or whatever? copy them all into [pwd]/driftnet/ if the users says so? Like the other options...
Also, even thoug I love ascii art, maybe you should update the current header?..
That should do the trick right ?
And it's funny you should mention the header, I feel like changing too !
I'll give it one then !Xplico is worth a look too.
Thank you guys !
I'll probably push an update today
Running both KDE and GNOME BT5 flawlessly. Thank you !
"cp /tmp/driftnet/* /anydir" Should be: cp /tmp/driftnet* /anydir
I know you'd have worked it out - thought I would save you the trouble http://www.backtrack-linux.org/forum...lies/smile.png
Last edited by VulpiArgenti; 02-02-2012 at 07:39 AM.
It wasn't a mistake, I planned on saving temp files to /tmp/driftnet/ so I could just select everything in the folder. But you are right, since the names all begin with "driftnet", it's simpler your way, and it makes it useless to create another folder.
Since both are valid, I decided to use driftnet *and* tcpxtract (that is way better imho, segmentation faults apart). The user can choose !
I hardcoded the destination folder as /root/capture_$(date +%d%m%y). What do you think about that ?
I also changed the ASCII
Edit : oh, by the way, Xplico doesn't seem to be present for me (xplico: command not found), so I didn't dig much...
Last edited by comaX; 02-02-2012 at 08:07 AM.
Running both KDE and GNOME BT5 flawlessly. Thank you !
AFAIK, Xplico needs to be installed first.
It's in fact already installed under /opt/xplico/bin/xplico, but there are no symlinks for it. I however don't understand what it does nor what is should do... And there is no man entry for it. If someone could give me a little explanation, I'd be glad !
(Yeah I googled it... but a simple user-point-of-view and how it could be used would be nice ! )
Running both KDE and GNOME BT5 flawlessly. Thank you !
Thanks for the pointer. Then it's a question of creating a symlink inside the /bin folder. From what I remember from 1/2 years ago (when I first/last used the app), it extracts data from a capture file (maybe also from a real-time capture, not sure). Data can be images, http contents, e-mails, sound files,...
Xplico seems to be completely stand-alone. I'm not sure how you would allow for the automation that the rest of the script thrives on...
World Domination is such an ugly phrase. I prefer the term World Optimization.
Yeahp, from what I read on the internet about it, it's nice to have it to analyse further packets captures but I don't see how it would be relevant here. Anyway, it's always nice to have propositions of some tool.
What's your take on urlsnarf ? I don't quite see the point of having a list of GET HTTP blah blah www.mywebsite.com/folder/ressource.ext
Running both KDE and GNOME BT5 flawlessly. Thank you !
Xplico is an interesting (and powerful) tool. It's best run on a dump (live capture mode is not as useful). It's easiest used through its web GUI so I agree wouldn't integrate well with yamas - just mentioned it while we were discussing image extraction.


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left hip pain
left hip pain
Radiograph of the pelvis and hips of a 10 year old girl, demonstrates a lucency in the region of the greater trochanter on the left, with no convincing soft tissue mass or periosteal reaction. There is however diffuse surrounding sclerosis.
Loading images...
The lesion and sclerosis are confirmed on CT which demonstrates a sharply demarcated oval lesion, with a central focus of sclerosis.
Loading images...
Bone scan demonstrates a double density sign, with a focal region of intense uptake, superimposed on a larger area of generalised increase activity.
Findings are characteristic of an osteoid osteoma which was subsequently histologically confirmed.


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The Seahawks had other options when it came time to make the 25th pick in the first round of the NFL Draft on Thursday night, but none were more attractive than Alabama tackle James Carpenter.
James Carpenter wasn't the sexiest pick the Seahawks could have made with the 25th pick in the first round of the NFL Draft on Thursday night. He wasn't the most obvious, either.
But the physical and aggressive tackle from Alabama was the right choice, and the one the Seahawks were hoping to make to acquire a player who is their likely starter at right tackle – opposite Russell Okung, the left tackle who was the team's top draft choice last year. Carpenter also has versatility, as he played left tackle, left guard and right tackle during the Senior Bowl practices in January.
James Carpenter, OT, Alabama
Pick: 25th overall Pertinent numbers: 6-4, 321; started all 27 games at left tackle the past two seasons for the Crimson Tide after playing at Coffeyville (Kan.) Community College his first two seasons. What he brings: Another big body for an injury-ravaged offensive line that used 10 starting combinations last season. Long-limbed and light on his feet, he also was extremely durable while not missing a game at Alabama or Coffeyville. He played left tackle, left guard and right tackle at the Senior Bowl practices in January. Where he fits: At right tackle, where incumbent starter Sean Locklear is scheduled to become an unrestricted free agent. Paired with left tackle Russell Okung, last year's top draft choice, Carpenter could provide new O-line coach Tom Cable with bookend tackles for seasons to come. What they're saying: "I liked him right from the very beginning. I didn't see anything that deterred me along the way. The more we looked at his background and really did your research on the guy, it just kept coming up that this is the right guy for what we're going to try and do." – offensive line coach Tom Cable What he's saying: "It was crazy. I was so shocked. I thought I was going to go in the second (round). But somebody had faith in me. I'm glad. I'm glad to be a Seattle Seahawk." – Carpenter, on his Draft Day experience |
"It's such a great pick for us to get right now," second-year coach Pete Carroll said. "It's not as exciting as the flashy receiver or something like that. But at this stage of our program we think it's really important to get hardnosed, tough guys that can come in here and really help us out.
"So we're thrilled about this pick."
While Carroll was thrilled, Carpenter was somewhat shocked because even he was expecting to be taken in the second round on Friday.
Despite his second-day expectations, Carpenter was watching the draft on TV at home in Georgia and anticipating seeing the name of former teammate and Heisman Trophy winning running back Mark Ingram called. But it was Carpenter who went ahead of Ingram, who was drafted three spots later by the New Orleans Saints at No. 28.
"I was watching, because I wanted to support my teammates," Carpenter said. "Mark is a real great player. I'm good myself. But I was surprised wasn't taken before that, because he's a real good player."
Marcell Dareus, the Crimson Tide's defensive tackle, was the third pick in the first round by the Buffalo Bills.
Ingram was just one of the players the Seahawks passed on to select Carpenter. Also still on the board were Colorado cornerback Jimmy Smith, Clemson defensive end DaQuan Bowers, Wisconsin tackle Gabe Carimi and TCU quarterback Andy Dalton.
But Carpenter was the choice, because he fills a need and was the Seahawks' top-rated player when it came time to make the 25th pick.
General manager John Schneider had been very blunt about wanting to trade back and possibly recoup the third-round pick the Seahawks sent to the San Diego Chargers last year in the deal for quarterback Charlie Whitehurst
Schneider had conversations with teams, as the Seahawks used their entire 10-minute allotment before turning in Carpenter's name.
"We got close on two things, quite frankly," he said. "And we had one to make a decision on."
In the end, however, "It just wasn't anything that was worthy of making a move," as Carroll put it. Especially because Carpenter was available.
"We're really fired up that this worked out the way it did," he added.
Asked to provide a scouting report on himself, Carpenter offered these strengths, "I think it's being tough and being able to move my feet quicker. I think I'm both finesse and aggressive. I'm very aggressive."
Carroll augmented that self-assessment, offering, "This guy is a road-grader. He's a guy who comes off the football with great leverage, his feet are flying, he wants to bury you, he wants to demonstrate the attitude and the toughness in the style he plays.
"He fits the way we want to bring our program along. … This kid is a kid that can come in here and be a big-time starter for us."
Tom Cable, the team's first-year line coach, balked when someone suggested that Carpenter is a finesse player.
"I wouldn't have drafted him if he was finesse. That's not my style," Cable said. "He's a big, massive guy with a lot of length and a lot of power. So we upgraded ourselves in terms of toughness and getting some mass on the offensive line.
"It just kept coming up that this was the right guy for what we're going to try and do."
Carpenter originally signed with Iowa State out of Hephzibah (Ga.) High School. But he went to Coffeyville (Kan.) Community College because he was academically ineligible.
So what made him pick Alabama? "Because of winning," he said. "I wanted to win. And I knew coach (Nick) Saban and (line coach Joe) Pendry were going to get me to be the best I can. Obviously, that's what they did."
No one was happier about that Thursday night than Carroll, and Cable, and Schneider.


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Finished this guy - pretty deep storyline for a coaster... We're all in control of our lives. Throw out religion and superstition - we determine whether our life has been worth living - so drink up (or not) - Live Good & Die Happy. The final coasters will be much cooler all letterpressed - but I made a 3D comp for fun, see the attached. Cheers!
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Can We Believe the Simulation Results?
Henry Z. Kister
Be careful of these key issues that may generate differences between a distillation-tower simulation and its actual performance. Simulations do not always square with nuts-and-bolts reality.
We're not talking about heat transfer here. If you're the parent of an adolescent, you know that expression means "relax"- as in "Chill out, Mom, this purple hair dye will fade."...
Would you like to reuse content from CEP Magazine? It's easy to request permission to reuse content. Simply click here to connect instantly to licensing services, where you can choose from a list of options regarding how you would like to reuse the desired content and complete the transaction.


text: Take-Two Boss Claims GTA IV Is Glitch FreeMichael McWhertor5/07/08 2:00amFiled to: Strauss Zelnickgrand theft auto IVGta IvTop1031EditPromoteShare to KinjaToggle Conversation toolsGo to permalink Strauss Zelnick, Take-Two Interactive Chairman, may have enviable cheekbones and impressive compensation, but what he does not have is a grasp on the software issues surrounding Grand Theft Auto IV. With Xbox 360s and PlayStation 3s locking up during GTA IV play sessions, a twelve step "fix" from Rockstar Games support and a host of anecdotal solutions that aren't yet a cure-all, you might wonder where Strauss has been this past week. He answers CNBC's Michelle Caruso Cabrera's question about any post release GTA IV glitches very confidently—and incorrectly—saying "No, you know, no, none whatsoever. I'd say the only issue is that someone came up to me yesterday in a restaurant and said my thumbs were hurting from the weekend!" Advertisement Advertisement Tee hee! Oh, Strauss! Are you the chairman of fun, too? At least I'm not the only one suffering from stabbing thumb pain born of constant sprinting.We're not sure if Strauss is being shielded from technical issues or doesn't want the CNBC viewership to know about GTA IV's mysterious freezing problem, but with multi-thousand post forum threads continuing without an official working solution it's hard to swallow this from senior management. GTA IV's performance problems may be limited to a small minority of its owners, but to claim that it's free totally free from technical issues makes you either dishonest or woefully uninformed.Take Two's Grand Theft Auto IV [CNBC via MaxConsole]Reply103 repliesLeave a reply


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Battling cheap crap from day one.
Aug 7, 2008
Everyone should get one...
I just got this performance enhancing attachment. It's easy to find. Throw yourself down some steps. If the emergency room says it's only a severe sprain, demand your right to a second opinion (I recommend Temple Orthopedics) to get what you need... A diagnosis of a compression fracture. Unfortunately it's only good for about 4-6 weeks, then you have to do it all over again. Yes that is a symbolic anchor.
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