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Tom Cruise and his crazy eyes were on the red carpet yesterday, ostensibly to support wife Katie Holmes at the premiere of The Kennedys. The made-for-TV movie was dropped by The History Channel, then picked up by Reelz Channel, and those folks threw a maybe-you-didn't-care-about-us-before-but-we-bet-you-do-now party last night in Beverly Hills. Though Katie is the star of the project — she does play Jackie Kennedy, after all! — Tom made sure to nudge himself into most of the photographs. What follows is some imagined dialogue between Tom and Katie on the red carpet. Any resemblance to actual dialogue is completely coincidental. Let's take a look! »
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Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. Reports from Chile have highlighted that the seismic activity in the area of the Copahue volcano has levelled up, thus causing Copahue volcano to reach the highest alert level possible. An ash cloud nearly a mile high has billowed from the volcano. More gas than normal has been detected coming from the volcano. The black, ash-filled gas has soared as 1.5 kilometers above Copahue and extended 13 kilometers out from it, toward the southeast. The seismic activity suggested a minor eruption, but the agency decided to raise the alert level because it could not rule out a major eruption. It also warned about potentially dangerous mudslides within a 15- kilometer radius of the crater. Yet, the red alert has raised much panic but authorities have not ordered any evacuation! It is essential to note that officials issued a yellow and orange alert at first. Further reports have shown that the 2,965-metre volcano straddles the two countries' border – Chile and Argentina and leans mostly towards the Argentine side...

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How to Body Surf At Home
I've got a brand-new illustrated sex position for you today.
Now, I know some of you will just scroll down to check it out… but first I want to tell you the true story of how it came to be.
A few years ago, my girlfriend and I were on vacation in the Outer Banks — the string of barrier islands off the coast of North Carolina.
The beaches are spectacular, and there's a lot of really cool history in the area, too.
For instance, Blackbeard the pirate was killed there in 1718.
And in 1903, the Wright Brothers made their historic flight in the sand dunes at Kill Devil Hill, near Kitty Hawk.
We used to visit the Outer Banks when I was a kid. And I always thought it was pretty awesome to stand on the same sand where Blackbeard and the Wright Brothers may have walked.
But Jennie and I were there for the sun, the sand, the water — and some vacation sex, of course.
Within an hour of arriving, we were at the beach and getting into some serious body surfing. For me, body surfing blurs the line between man and nature — I feel like I become part of the ocean's energy.
Well, for the next four hours we rode one awesome wave after another, and sunbathed on the beach. When the air started turning cool, we packed up our towels and headed back to town.
By the time we reached our hotel, we were ready to crash. We took a quick shower together, then plopped down on the bed side by side — exhausted and naked.
But there's something irresistible about a beautiful, naked woman in bed beside me, no matter how tired I am.
So I made a tentative move, to see how she'd respond.
Jennie responded with, "I'm sorry, babe, but I'm not up for anything right now. I've barely got enough energy to pass out!"
"Don't worry, you won't have to move a muscle, I promise."
She turned and gave me that wicked smile of hers. "Well, I might have to move a few muscles…."
So I came up with this awesome position on the spot, just by following my instincts. It's called The Body Surfer.
How To Try The Body Surfer:
Have your woman lie face-down on the bed or floor, with her legs slightly parted and her upper body resting on her forearms.
Position yourself between her legs, with your upper body supported by your arms, then slide inside her. You'll be hitting her clit and her G-spot with every thrust, so you can go at a slower, more relaxed pace and still get a great response.
Or you can drive her crazy with a variety of surprise thrusts — shallow, deep, stop-and-go, or steady jackhammer. She can't see your face, so she can't tell what your next move will be.
Wanna turn up the heat a little more? Have her close her legs, with you straddling her as you enter.
This not only increases friction and intensifies the stimulation — it also lets you increase that incredible flesh-on-flesh contact.
Why You'll BOTH Love The Body Surfer:
For starters, it doesn't require superhuman strength or the ability to contort yourselves into pretzels.
And all that flesh-on-flesh contact stimulates tons of sensitive nerve endings on her back, her inner thighs, and her ass. And you're getting that same jolt, from your chest to your toes.
Since she's lying on her stomach, she can easily position herself so the underside of your shaft glides along her clit — just the way she wants it.
And with that special rear-entry angle, every thrust ends with a direct hit on her G-spot.
As for you, a lot of your body weight is resting on her. That saves your energy for as much hard, steady drilling as she needs.
You also get excellent blood flow down there, to keep you good and hard.
So, surf's up! Come on, try The Body Surfer for yourself — tonight. You'll understand what it really means to become "one" with your woman.
Then post your comments here to let me know what you think about it. I know you're gonna love it, man.
P.S. I wanna do another informal survey because I'm dying to know the answer to this question: "What's your favorite 'finishing' position?" You can reply with a one-word answer (e.g., doggy-style, girl-on-top) – that's all it takes. I want some data from the field!!!!
Santa Is One Dirty Old Man (depraved XXXmas card!)
If you want a high-resolution, poster-size image of this XXX-mas card, email me at: email@example.com and I'll send it to you!
Merry Christmas,
P.S. Make sure to leave some comments below! And send this link to your buddies who might appreciate such stimulating and high-brow artwork!
How About a Little Vampire Sex?
Since it's almost Halloween, I thought I'd show you how to cum like Count Dracula!
Seriously, vampires are freakin' sexy, right? In fact, they're pretty much the ultimate super-sexual supernatural beings.
The hypnotic control they have over beautiful young women, the sensual biting of the neck, the sexy clothing, the act of complete submission — the whole vampire mythos is pure, hot sex!
Well, as you probably know, Dracula is based on a real person: Vlad III — also known as Vlad Dracula and Vlad the Impaler. He was ruler of a country called Wallachia, which was next to — I'm totally serious — Transylvania.
And Vlad was one bad dude! In fact, he was such a ruthless leader and killed so many of his enemies — often by impaling them — that some of them started the rumor that he drank human blood.
Well, thanks to hundreds of books, movies, and television shows, the brutal Vlad the Impaler has gradually morphed into the irresistible neck-biter he is today — who always seems to have a bunch of hot babes in see-through nightgowns under his spell.
Yeah, vampires are cool!
And that brings me to another one of my favorite go-to positions — one that really lets me get maximum penetration. And in honor of the inspiration for Count Dracula, I call it Vlad the Impaler.
The main advantage of this position for you is that it gives you TOTAL dominance and control over your woman. And it gives you maximum penetration power.
And she'll love it because it gives her clit a good workout — as you slide in and out, AND when you penetrate her to the hilt.
Here's how to try the Vlad the Impaler position:
Position your "virgin" about 2 feet from a wall. Stand behind her, then bend her over forward until she can brace herself with her hands against the wall.
Next, grab one of her legs and pull it back toward you, then raise it up as high as you can — if she's limber enough, you can rest her leg on your shoulder.
Now, drive in and out of her HARD until you hear her screams of orgasm!
I know you're gonna love this one. And there's no reason to wait until October 31 to try Vlad the Impaler. In fact, I want you to try it out tonight and then leave a comment to tell me how much you liked it.
And as usual, please use the "Comments" section to leave me any of your thoughts, ideas, or suggestions.
Happy Halloween!
P.S. You can also use the comments section to ask me any questions related to men's sexuality, men's health, or anything else that's on your mind.
How many calories do you burn during sex?
Today I thought I'd send you another quick sex quiz. And I think the answer's gonna surprise you.
Q: How many calories do men burn in an average sex session?
- 100
- 200
- 350
- 500
A: 100 calories. It's true: Your best sexual performance will only burn off about 100 calories, according to researchers at the University of Quebec at Montreal.
That's based on a guy of average weight, using missionary position sex for 30 minutes, including foreplay.
Now, sex is all about pleasure, right? But if you want 'burning calories' to be a side benefit of great sex, there are a few things you can do to make it more of a workout.
The obvious first thing is ENDURANCE. The longer you go, the more you'll burn. For example, if you last just 15 minutes, you'll only burn about 75 calories. But if you're into marathon sex, you can expect to easily beat that 100 calorie mark.
And the position you choose can make a huge difference. For example, switching from missionary to reverse cowgirl cuts your calorie burn-off to a measly 56 calories!
But if you like your sex standing up: you'll use 112 calories!
It's pretty simple: You'll burn more calories using standing, squatting, or bending positions than you will lying on your back, or resting most of your weight on top of your woman.
Now, if you REALLY want a workout, choose a position where you've gotta either move or lift all or most of her weight. For instance, stand by the edge of the bed, then have her lie on her back and raise her legs onto your shoulders.
But instead of using your basic pelvic thrusting, take her hips in your hands. Then lift her hips and pull her onto you, moving her back and forth. You'll get a great upper-body workout. In fact, you might have to alternate pumping with sliding, because this is harder than it sounds.
If you've got great upper body strength, try the one that always looks so easy in the movies (but really makes sex a workout):
Standing, with her legs are wrapped around you while you support all her weight. That one'll burn some calories! It's okay to use the wall to support her back if you need to.
And whenever I get the chance, I love to screw in the water on a secluded beach (if I've brought a good lubricant that won't wash off in the water). You get the thrill of semi-public sex, but it's also a hell of a workout trying to maintain your balance, even in gentle waves.
Now, your level of 'enthusiasm' also determines how many calories you shed.
If your preferred pace is a slow and gentle 'love me tender,' you'll use up less than 75 calories. But if you're more of a 'drill master,' you'll easily hit 100.
Here's one last thing, which may or may not surprise you: The more you weigh, the more calories you'll burn.
That's right, if you're in good shape and on the slim side, a round of intense, pull-out-all-the-stops sex isn't much of a workout at all — and burns less than 80 calories.
But if you need to lose some poundage, try for a 30-minute, standing, full-speed-ahead sex workout — you'll burn off an amazing 160 calories!
You know that I always stress the importance of having a healthy body so you can have a kick-ass sex life. Well, you can flip that around — and let incredible sex help you have a healthier and more fit body.
Please do me a favor and post your comments below. Do you like to make sex a workout? Or do you prefer the gain without the pain? Tell me what you think.
Top 3 Elements of the BEST Sex Positions
When I think about my favorite sex positions, they all have three things in common:
1) First, they allow total eye contact. It's a huge boner-booster to look into your woman's eyes during sex! It intensifies everything — the emotions, the energy, the spiritual connection — and best of all, the orgasm.
2) Next, I've gotta have easy access to her pussy and clit… Because as far as her pleasure goes, my hands and fingers are the next best thing to having my tongue down there.
3) And finally, I want to able to reach her breasts, so I can give her nipples a nice stimulating workout.
Give me those three "bonus features" — dude, I'm in heaven!
[Spoiler alert: I've included a new, super-hot position and picture for you below.]
Now, I also really like positions that let you easily 'flow' into other positions.
If you're like me, sometimes you wanna switch it up in the heat of the moment and try something different — especially if what you're trying isn't working.
Well, The Horny Crab has got it all…
It gives you total clit-and-tit access… you're looking right into each others' eyes… it gives you flexibility to vary the action…
And you'll cum like gangbusters!
Now, to try the Horny Crab, start by sitting on the bed with your legs facing each other. Lean back slightly, using your arms for support.
Bend your knees, then move toward each other until you're able to enter her.
You should both be in the same position: knees bent, legs slightly spread, with your feet alongside your partner's body.
Now, start rockin' 'n' rollin'! Think of ocean waves, dragging you back and forth. With both of you moving, a little action goes a long way.
If you wanna hit that clit, just lean forward a little and massage it with your fingers or thumb. And don't forget to give her nipples the attention they need.
Between the rocking, pumping, massaging, and tweaking, you'll be exploding in no time!
But if you decide to move into full-steam-ahead raw sex mode, you just take her arms, lie back, pull her up — and voila, you're in The Cowgirl position!
Now she's in total control…so she can grind and pump and ride her way to an explosive orgasm.
Or if you wanna be in the driver's seat — maybe go into jackhammer mode — just reposition your legs so you're on your knees…throw her legs over your shoulders…and start drilling!
I think you get the point: The Horny Crab is great as an appetizer or as a main course!
Trust me, you've gotta try it out for yourself. It'll knock your socks off!
Be sure to let me know what you think of The Horny Crab in the comments section below…
Or tell me about an unusual position that you've discovered — I might share it in an upcoming blog or newsletter.
Seriously, leave a comment below and tell me what you think!
P.P.S. I'm working on some surprises that you don't want to miss. I'll tell you about them in the next couple of weeks, so keep an eye out for my upcoming newsletters and blog posts.


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Mango trees originated in Asia but today you can find them in many warm places in the US. According to the University of Hawaii, mango trees can produce fruit for 40 years and even more if cared for properly. The fruit of this tree can vary in color from red, orange, green to yellow. The ripe inner fruit is bright yellow and juicy. Mangoes have a healthy harvest season, most cultivars produce fruit between June and September. Get your calendars out! Once flowers appear, you'll have fruit three to four months later.
it's important to mention that this tropical fruit is weighty and needs to be picked before it ripens. If left to ripen on the tree, the fruit could fall to the ground and bruise. It is advised that after harvesting, mangoes should be stored at room temperature. Once they ripen, you can refrigerate them at a temperature of 50 F. Harvesting mangoes isn't difficult but timing is important.
Harvesting the Perfect Fruit
Place a check mark on the calendar when you first spot flowers on the tree. From flower to fruit, it takes approximately 100 days. Resist the urge to harvest this tropical delicacy early.
Squeeze the fruit before you pluck it from the tree.A ripe mango will feel slightly flexible but firm. This fruit's density is comparable to a peach or an avocado. If you can squeeze the fruit, it is ready for harvesting.
Protect your hands from pests, sap and sharp twigs by wearing gloves. Grasp the mango with one hand to expose the twig that connects it to the tree. With a sharp knife, cut the mango off the tree with the other hand. The safest method is to make the cutting motion toward the tree, not toward yourself.
Remember that mango sap can irritate your skin and lead to serious allergic reactions. If you do accidentally come in contact with mango sap, wash it away immediately with soap and water.
Read more from Monica Bullock:
Is My Pineapple Ripe?
Growing the Perfect Strawberry
Best Way to Pick Roses


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Dairy women urged to step up leadership
In tough times people need to look to leaders, says Jo Finer, Fonterra's general manager of New Zealand industry affairs.
There's a real revival of interest in "growing your own", knowing where your food comes from and what it contains. For those picking up on this trend, late summer is the season for squirreling away goodies grown in the garden or picked up at farmers' markets, so they can be enjoyed long after the harvest is over.
The just released book, A Good Harvest – Recipes from the Gardens of Rural Women New Zealand, is packed with information that'll help you make the most of seasonal abundance, and explains how to grow a bumper crop in the first place.
It includes more than 300 favourite recipes collected from country kitchens across New Zealand for jams, chutneys, sauces, relishes, pestos, marinades, cakes and more.
But this is more than a recipe book. A Good Harvest takes readers from planting to plate and all the steps in between. It is arranged in chapters based on the individual fruit and vegetable, with planting and growing tips and variety choices. The book also includes step by step instructions on bottling, jam making and other preserving methods.
A Good Harvest – Recipes from the Gardens of Rural Women New Zealand is published by Random House, and is a companion volume to A Good Spread - Recipes from the Kitchens of Rural Women New Zealand (2010).
A Good Harvest, published by Random House, is available in book stores, and online from www.ruralwomen.org.nz.
Your canine crusader often hears claims that South Island's West Coast is a backwater and behind the times.
Your old mate has no time for the multinational, tax dodging, political activist group Greenpeace, which spends most of its…
The 4700 bales on offer saw a 74% clearance with mixed results, however all prices paid locally are still above…
The 7250 bales of North Island wool on offer saw a 72% clearance with most types easing further.


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BACKGROUND: Velvet is the last kitten born to a feral mother. Brought in with her sister and two brothers by a kind neighbor, she shared a small cottage where her foster dad worked really, really hard to introduce all of them to the best things in life...consistent food, toys, and a loving environment. She and her brother Jumper moved into their current foster home where they have blossomed into beautiful young cats.
PERSONALITY: Velvet is a little shy, but has turned into a beautiful curious kittie who loves to play with the kittie wire toy. She will play tag with you if you're not paying attention, but she's just letting you know she's still there and ready to play. She's fascinated by the pigeons who coo just outside her window.


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Situated in Greater Manchester and Prestwich, Private Investigator Prestwich is really a complete services investigative agency carrying out a comprehensive selection of expert, private solutions, such as anything from procedure company to surveillance to asset queries and business intellect for customers through the entire Prestwich region, the country, and round the planet. Private Investigator Prestwich is a premier investigation agency that relentlessly strives to exceed client expectations on every case we take. In many cases that practical experience arises from police, research and military qualification.
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From From Marshall White, re: Hot Diggity Dog
I enjoyed your article and have a question for you. Is there any producer of turkey franks (preferably fat-free or close to it) that uses natural casings?
[Reply]: In reference to your question about turkey dogs, I found some information at Sara Lee Food Service; more about natural casings at Fraboni's although turkey franks are not included; Dietz & Watson sells turkey franks but there is no mention of natural casings; and if you're interested in the natural casings themselves, try Nature's Best Natural Sausage Casings. I'm glad you enjoyed my article about hot dogs, and good luck in your search!
From Kyle Harvey, re: Hot Diggity Dog
Hay: Great page about hot dogs. My family and I have been in the hot dog biz over 45 years; I loved your site!!! It tells it like it is.
[Reply]: Thank you for the kind words!
From Marty, re: Hot Diggity Dog or Southern Chili?, re: Hot Diggity Dog
Southern Chili recipe?
[Reply]: Were you looking for a recipe for southern chili, or making a remark in regards to the article Hot Diggity Dog? If you were looking for a recipe, try Serendipity's Southern Chili at Recipe Source. Happy eats!
More Reader's Mail Topics:
^Back to top^
HOME | Recipes | News & Updates | About Food Fare | Contact | Site Map


text: Next Story > The Experts Joanne Chang: Help Executives Pursue Their Passions Aug 22, 2013 12:56 pm ET How do you keep nonfamily, top executives of family-owned companies motivated, if they know they will never run the company? We offer a lot of freedom to our top managers in terms of schedule and ability to make changes and goals. To Read the Full Story, Subscribe or Sign In Previous John Jordan: Create a Sense of Ownership Next James Schrager: You May Not Be the Boss, But You'll Have Power


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Allora by GARD Trumpet BagsBackPack Style Bag with WheelsThe Backpack features a shoulder strap that can be used when you are not using the backpack ...Click To Read More About This Product
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The Strawhouse Sleeps 8
The Strawhouse is a beautiful 2 storey barn which has been furnished with luxury and comfort in mind.
The open plan living area, Kitchen and Bathrooms all have Italian marble floors whilst the stairs and bedrooms have been fitted with thick wool carpets all controlled by zoned under-floor heating.
• King size bedroom
• Double bedroom
• 2 Twin bedrooms
• 1 interconnecting to king size bedroom downstairs and hallway.
• 1 shower room off the galleried landing
• 1 bathroom off the galleried landing
Living Area
Downstairs the open plan living area is accessed off the hallway by a single step.
The room is equipped with a Wood-burner, 32" Flatscreen TV, Hi-Fi, DVD player and iPod docking station.
Upstairs the galleried landing provides the perfect hangout for children and sofa bed for two additional guests
The kitchen is brilliantly equipped to cover all your needs and being open to the living area everyone can chat whilst preparing meals.
Nestled in the beautiful Norfolk countryside just 8 miles from the ever popular Burnham Market and beautiful wide sandy coastline is Manor Mews, a family run, sympathetically converted complex providing modern luxurious comfort whilst retaining the character of traditional brick and flint Norfolk farm buildings. Manor M comprises properties offering everything from a selection of converted barns for up to 10 or the original Manor House for a maximum of 22 where friends or family can enjoy time together. In addition, Manor Mews is the perfect venue for celebrations such as weddings, birthdays and anniversaries where guests can all stay together.
About the Owner
Available Rentals
Booking Notes:
Bookings can be made direct via our web site. A deposit of 25% is required to secure your booking with the remainder due 8 weeks before arrival.
Changeover Day:
Change over days are Mondays & Fridays. Arrival is from 4pm. Departure by 10am.
Notes on prices:
Please refer to our web site for special offers and late availability deals.
0 Reviews
Activity and Interests
The North Norfolk coast is just 30 minutes away. With everything from the huge sandy expanse of Holkham for the children to the salt marshes and nature reserves.
The X8 bus passes nearly every hour during the day connecting to Kings Lynn, Norwich and the Coast Hopper.
A car is recommended but not essential.
Property Type
- barn
- Away From It All
- Family
- Holiday Complex
- Romantic
- Tourist Attractions
- Hair Dryer
- Heating ...
- Internet
- Iron & Board
- Linens Provided ...
- Living Room
- Parking
- Towels Provided ...
- Tumble Dryer ...
- Washing Machine ...
- Wood Stove
- Coffee Maker
- Dishes & Utensils
- Dishwasher
- Kitchen
- Microwave
- Oven
- Refrigerator
- Hob
- Toaster
- Child's Highchair
- Dining
- Dining Area
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Onsite Services
- Massage
Location Type
- rural
- village
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Leisure Activities
- bird watching
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- sight seeing
- walking
Local Services & Businesses
- ATM/bank
- Babysitter
- fitness centre
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Sports & Adventure Activities
- cycling
- equestrian events
- fishing
- hiking
- Bathroom 1 - Toilet, Bath (no shower), Shower Enclosure
- Shower room 1 - Shower Enclosure
- Shower room 2 - Shower Enclosure
- 4 Bedrooms, Sleeps 10
- Bedroom 1 - 1 Large Double Bed
- Bedroom 2 - 2 Single Bed
- Bedroom 3 - 1 Double Bed
- Bedroom 4 - 2 Single Bed
- Golf ...
- Garden
- Barbecue ...
- Self-catering
House Rules
- Max. occupancy: 10
- non smoking only
- pets not allowed
- Events Allowed
- children welcome
- Notes on accommodation: All of our barns have ample parking, private gardens with outside furniture and BBQ.


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Too Little to Not Fail Why the ORP (and probably the TRSL) Doesn't Work Robert Turner, Ph.D. LSU Health Sciences Center firstname.lastname@example.com
Robert Turner Louisiana Retirement Plans The Teacher Retirement System of Louisiana (TRSL) is a defined benefits retirement program. As shown in the next figure, the benefit is based on a Benefit Factor (BF), length of service, and salary. It is not impacted by market performance. Faculty hired more than 10 years ago vest at 10 years and have a BF of 2.0% up to 20 years where it goes to 2.5% (age 65). Faculty hired less than 10 years ago vest at 5 years and have a BF of 2.5%. The Optional Retirement Plan (ORP) was created about 20 years ago and is a defined contribution plan. The employee and institution contribute to an investment account controlled by the individual. Vesting is immediate and the funds are portable. The retirement benefit is determined by the amount of money in the account. There is nothing fundamentally wrong with either type of plan if they are properly designed.
Robert Turner Retirement Benefits PLANVESTING (YoS/age) BENEFIT TRSL defined benefit new old (7/1999) YoS: years of service 5 yrs/60 10 yrs/60 % Factor x YoS x Salary Factor % Factor: Salary Factor: 2 1 / 2 % Average of 3 2% < 20 YoS highest years 2 1 / 2 % at 20 YoS of salary ORP defined contribution 1 day/NAWhat ever you have
Robert Turner The Problem Many faculty on the ORP have realized that the potential retirement benefit provided by their ORP is a fraction of the benefit they would have received if they were on TRSL. Many have expressed the need to significantly delay retirement because of the sad state of their ORP accounts. What is the cause of this situation? There are several possibilities: The individual faculty member has made poor investment decisions The market has performed poorly There is a fundamental problem with the ORP program This presentation will examine these possibilities and determine the primary factor
Robert Turner Is the Problem Poor Investments? The next figure addresses the first possibility: Is the fundamental problem poor investments by the employee? This can be tested by asking how would ORP benefits compare to TRSL benefits if an ORP member's investment return had been equal to TRSL or the S&P500 in the past? The TRSL website provides the average annual return in % (AAR) for TRSL investments for the past 17 years and the contribution (%) each year to ORP. The contribution is the percent of salary (employee + institution) that goes into the ORP account. A reasonable salary profile is assumed. The benefit is the income provided when the accumulated funds are used to purchase an annuity (6.8%) at age 60. The green bars indicate the annual dollar benefit provided by TRSL for the 2% and 2.5% benefit. When ORP performance equals TRSL (red bar), the benefit is about half compared to 2% and even less when compared to 2.5%. When ORP performance equals S&P500, benefit is even less. The benefit provided by ORP is far from comparable to TRSL. Poor investment performance is not the fundamental problem.
Robert Turner Urban Myth: You Made Bad Investments compare
Robert Turner Is the Poor Market the Problem? The following figure addresses this question: How would ORP benefits compare to TRSL benefits if market performance was "average and normal" and the ORP member's return was consistent with the market. We can examine this question by assuming an average annual investment return equal to 8.25%/year. This is the percentage assumed by the TRSL actuaries for investment returns when calculating future revenue and liabilities. It is also about the AAR of the S&P 500 the past 20 years through 2009. The other assumptions are the same as the previous figure. With normal market performance, the ORP benefit (red bar) is better, but still significantly less that TRSL and only a little more than half of that provided by the 2.5% TRSL benefit (dark green). Obviously, poor market performance reduces ORP benefit, but it is not the fundamental problem.
Robert Turner Don't Blame a Poor Market
Robert Turner What Does ORP Need? The next figure addresses this question: Since 8.25% isn't enough, what investment average annual return (AAR) is needed so that ORP performance is comparable TRSL? The TRSL benefit (black line) was based on the 5yrs, 2.5% vesting requirement and the same salary profile used in previous figures. The ORP contribution (13.6%) for next fiscal year is used. ORP benefit was again calculated for investment AARs of 9%, 12%, 15%, and 20%, as indicated by the colored lines. To equal TRSL, you need an investment AAR greater than 20% at 10 yrs. Going back 40 years for the S&P 500, no ten year period has had an AAR greater than 20%. At 15 yrs, you need an AAR greater than 15%. Only eight times (20%) in the past 40 years has the 15 year AAR exceeded 15%. At 20 yrs, you need an AAR greater than 12%. Only 13 times (33%) in the past 40 years has the 20 year AAR exceeded 12%. At 25 and 30 years, you would need a smaller AAR; however, as one approaches retirement there is a need to be more conservative so earlier years would need to be a little greater. ORP needs an unrealistically high return to provide comparable benefits.
Robert Turner Not Good Odds 15%/yr 12%/yr 9%/yr 20%/yr 12+% 13/40 15+% 8/40 20+% 0/40
Robert Turner Designed to Fail The previous figures have shown that the ORP is designed to "FAIL" because it does not provide benefits comparable to TRSL when 1. market performance is reasonable and typical. 2. Investment performance is reasonable relative to market performance. What is the problem? Is there a solution?
Robert Turner How the Contribution is Calculated The next figure explains how the contributions to TRSL and ORP are determined. The top boxes show a 20 year average; the bottom boxes the amounts for next fiscal year. The employee contributes 8% of salary. The institutional contribution is divided into a smaller part called "Normal" and a larger part called "Unfunded Liability". TRSL gets all three pieces for a 20 year average total of 23.6% of the employee's salary. Only the employee contribution and the Normal part (6.7%) goes to the ORP account. This has averaged 14.6%. The Unfunded Liability (8.9%) piece paid by the institution for the ORP employee goes to TRSL. The ORP participant pays TRSL a 0.1% management fee. In FY 2010-2011, the percentage for TRSL is increased to 28.2%, the highest in history. For ORP, the percentage is decreased to 13.6%, the smallest in history.
Robert Turner Contributions for Employees on TRSL vs ORP PlanYou LSUHSC Normal LSUHSC Unfunded Total TRSL Total ORP 20 yr Average TRSL 8.0%6.7%8.9%23.6%0.0% ORP 8.0%6.7%8.9%9.0%14.6% 2010 - 2011 FY TRSL 8.0%5.7%14.5 % 28.2%0.0% ORP 8.0%5.7%14.5 % 14.6%13.6% +0.1%
Robert Turner History of TRSL and ORP The next figure shows the history of contributions to TRSL and ORP. In the 39 years prior to 1989, the contribution to TRSL averaged more than 16% of salary. From 1973 to 1988, the actuary recommended an increased contribution of about 21% but the contribution stayed under 18%. By the end of the 1980's, TRSL had an unfunded liability of about $4 Billion. Some unfunded liability was due to TRSL taking over two other retirement programs, but much resulted from mandated increases in benefits provided by TRSL. In 1989, the TRLS contribution significantly increased and has averaged 23.6%. The ORP began in 1990 and has had an average contribution of 14.6%. It seems strange that a contribution of 14%-15% was specified for the ORP when decades of 16%-17% for the TRSL didn't seem to be enough.
Robert Turner ORP Was Born Why This much?
Robert Turner A Little Conspiracy Theory When the ORP was created, the institutional contribution was divided into two parts: Normal and Unfunded Liability. TRSL has always received the Unfunded Liability contribution for all employees. Given the terminology and actions, what follows is a best-guess at the (not necessarily correct) rationale for the programs. This is illustrated in the next figure. The increased contribution (>20%) was more than enough to cover benefits provided by TRSL. In fact, the historic 16%-17% was more than was needed. Only 14%-15% was required by ORP and TRSL to cover benefits. The difference, the Unfunded Liability (9%) would be used to pay down the TRSL unfunded liability. Since there was no unfunded liability on ORP, that 9% could go to TRSL. Or, maybe, ORP was created to bail out TRSL. Entice TRSL members to transfer to ORP which eliminates future liability, and take most of the institutional contribution for ORP members.
Robert Turner Born to Lose?
Robert Turner Is 14+% Enough for TRSL? Is 14+% sufficient to provided adequate benefits? This is tested in the next figure. There are two measures of TRSL unfunded liability: UAL and UAAL. They give almost identical values. If 14+% was adequate to pay for benefits, then during periods of normal market performance, the 9% Unfunded Liability component could be used to pay down the UAL/UAAL. During the first half of the 1990's, the S&P 500 returned 9%/year, a reasonable performance. During this time, the total contribution to TRSL was 24+%. One would expect a significant drop in UAL/UAAL. In fact, it remained constant indicating that 14+% was grossly inadequate and that the whole 24+% contribution was needed just to cover benefits and expenses. Only during the late 1990's with the expanding tech bubble could the TRSL pay down UAL/UAAL. With the two subsequent "crashes", the UAL/UAAL have spiraled up to about $10 Billion.
Robert Turner No, 14+% Is Not Enough 9%/yr29%/yr It took the full 24+% contribution just to cover benefits when market performance was "average". No significant pay- down in liability
Robert Turner More Is Better Clearly, 14+% is not enough to support the benefits guaranteed by TRSL or to provide adequate benefits on ORP. What would have happened if ORP participants had received the full contribution provided to TRSL instead of the reduced 14+%. The next figure is the same as the first figure except that the contribution to ORP equals exactly that of TRSL (avg. 23.6%) the past 17 years. Market performance for ORP equals that for TRSL and the S&P 500. The ORP benefit is significantly better than with the actual 14+% ORP contribution, but still less than TRSL for the 2% and 2.5% benefit. Of course, actual market performance during these years was not good.
Robert Turner With a Contribution Equal to TRSL compare (23.6%)
Robert Turner To Small to Not Fail In the next figure, ORP benefit was calculated using the actual TRSL contribution (23.6% avg.) instead of the actual ORP contribution, and "normal" market performance of 8.25%/year. Under the conditions of normal market performance/reasonable investment return and increased contribution, ORP benefit was almost equal to the TRSL benefit. With a contribution of about 25%, the ORP benefit would be comparable to the TRSL benefit. The fundamental problem with the ORP is that the actual contribution is too small and virtually guarantees that the ORP will FAIL.
Robert Turner With an Adequate Contribution, the ORP Does Not "FAIL" (23.6%)
Robert Turner Other ORP Programs Many state universities have ORP-type retirement programs. The employee/institution contributions are shown in the next figure. Note that the LSU employee contribution is higher than most others and the institutional contribution is smaller. Still, the total contribution is about the same (14%-15%) for most states, with the exception of Ohio State which is significantly higher. If 14+% is too small of a contribution, then why is that the level for most universities?
Robert Turner How Does Our ORP Compare to Other ORPs?
Robert Turner One Minor Difference There is one important difference, as illustrated in the next figure. At all universities except LSU and Ohio State, the ORP program is designed to provided retirement income that supplements Social Security. They are not intended to be the only, complete, stand- alone retirement program. LSU and Ohio State do not participate in Social Security. Thus, these programs are complete, stand- alone programs. This explains why the Ohio Contribution to the ORP program is 20+%.
Robert Turner Only a Piece of Retirement stand- alone supplemental
Robert Turner The Magic Number is ~25% The next figure shows the total contribution to retirement programs. When Social Security is included, the total contribution is about 25%. A notable exception is LSU where the total contribution is slightly more than half the other universities and the State contribution is a fraction of the other states. These data support the conclusion that a contribution of about 25% is needed to turn the ORP into a viable stand-alone retirement program.
Robert Turner Total Contribution Including Social Security
Robert Turner Summary The fundamental problem with the ORP is not poor investment decisions or a poor market; although both add to the problem. The fundamental problem is a percent contribution that is much too small for the ORP to function as a "stand-alone" retirement plan. Our ORP is designed to fail as a "stand-alone" retirement program in that the benefits will never be comparable to TRSL without unrealistically high investment returns. Essentially, our ORP is a "supplemental" retirement plan that is presented as an alternative to TRSL which is a "stand-alone" plan. A faculty member contributes the same amount (8%) to ORP as TRSL but receives much less in university contributions and retirement benefit.
Robert Turner Summary Both TRSL and ORP are "failing" because of underfunding. That is, the contribution percentage is too small. In FY 2010-2011, the percentage for TRSL is increased to 28%, the highest in history. For ORP, the percentage is decreased to 13.6%, the smallest in history. The logic must be - the market has been poor, TRSL needs more money - the market has been poor, ORP needs less money When TRSL fails, the burden is spread across all citizens of Louisiana. When ORP fails, the burden falls on the individual faculty member.
Robert Turner What Needs to be Done If the ORP is going to be a "stand-alone" plan and a viable alternative to TRSL, it needs to be fixed by increasing the contribution to about 25% of salary. The other option is to let it continue as a "supplemental" plan with the addition of another plan, e.g., Social Security. For many current ORP participants, any fix to the ORP is too- little, to-late. There should be a one-time opportunity to switch to TRSL.
Robert Turner The End
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5th October 2002 - A must read article
Without notice Pat just sent me an article today. The article itself was a great article on "Misdirecting Management" by Ackoff et al. It will be a good reference tool for critical judgment whenever I'm using guru-literature; in other words all the well known management gurus.
Simply a great surprise on a good day...
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Having the studio in the house can sometimes be challenging.
I'l l glance over at my table and think about all the projects that are due and paintings that need to get done. But not today, I'm only doing this post on the blog and that's it! Today I want to just send out a big "count your blessings everyone" tell all your amazing family and friends how much they are LOVED!
Family will always come "FIRST" for me!
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Daniil Kvyat: "As a rookie with so much to learn, this week in Jerez has not been the start I would have wanted."
Having been in Jerez since Monday, taking a keen interest in all the work the team was doing, Daniil Kvyat finally got his first taste of track action ahead of the 2014 season.
Clearly, the team has had a difficult time over the past four days, even if this was always a possibility given the rule changes. However, the Toro Rosso engineers and its partners now have two weeks to study the situation and be much better prepared for the next four days of testing that get underway at the Sakhir circuit in Bahrain on 19 February.
Daniil Kvyat: "As a rookie with so much to learn, this week in Jerez has not been the start I would have wanted. However, I trust my team and I trust Renault, so with some hard work, I am sure we can be in better shape and start to catch up at the next test. There have been a few positives, because we have acquired some useful data, even with limited running. Some questions have therefore already been answered and I was able to get a feel for the car in wet conditions."
Scuderia Toro Rosso


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Confer Speakers
Professor Ann Buchanan
Past and present Confer events
Intergenerational Trauma Conference
Thursday 10 - Sunday 13 September 2009
Professor Ann Buchanan
Professor Ann Buchanan Ph.D, CQSW, AcSS, is Director of the Centre for Research into Parenting and Children at University of Oxford. For the last fifteen years her research at Oxford has focused on children at risk of social exclusion, including those at risk of child maltreatment. Much of her work has informed social policy and she is on the Council of the ESRC.
Apart from many peer-reviewed journal papers and research reports, her books include Children's Emotional Well-Being (Ed. With Barbara L Hudson, (2000, Oxford University press), Children Who Soil: Assessment and Treatment (John Wiley & Sons, 1992), Cycles of Child Maltreatment: Facts, Fallacies and Interventions (1996: John Wiley & sons), Parenting, Schooling and Children's Behaviour (1998, Ashgate), Partnership in Practice: the Children's Act of 1989 (Ashgate 1996).
Past and present Confer events
Thursday 10 - Sunday 13 September 2009
|Book of the Month
Grief Works by Julia Samuel
Death affects us all. Yet it is still the last taboo in our society, and grief is still profoundly misunderstood...
In Grief Works we hear stories from those who have experienced great love and great loss - and survived. Stories that explain how grief unmasks our greatest fears, strips away our layers of protection and reveals our innermost selves...
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Helen Fisher: The brain in love
Why do we crave love so much, even to the point that we would die for it? To learn more about our very real, very physical need for romantic love, Helen Fisher and her research team took MRIs of people in love and people who had just been dumped... view...
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The Latest Neuroimaging Findings in Borderline Personality Disorder
Altered function in neurotransmitter systems including the serotonin, glutamate, and GABA systems was observed in patients with BPD... read more...


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|Oz the Great and Powerful (2013)
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Runtime: 130 min
Rated: PG
Genre: Adventure, Family, Fantasy
Released: 08 Mar 2013
|Plot: A small-time magician is swept away to an enchanted land and is forced into a power struggle between three witches.


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Jason Bourne (2016)
Aug 5, 6 & 7
The plot is unknown. Director: Paul Greengrass Writers: Matt Damon (screenplay), Paul Greengrass (screenplay) | 2 more credits » Stars: Alicia Vikander, Matt Damon, Julia Stiles | See full cast & crew »Continue
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The BFG
A girl named Sophie encounters the Big Friendly Giant who, despite his intimidating appearance, turns out to be a kindhearted soul who is considered an outcast by the other giants because unlike his peers refuses more »Continue
Dog Days of Summer
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Finding Dory
The friendly-but-forgetful blue tang fish reunites with her loved ones, and everyone learns a few things about the real meaning of family along the way. Directors: Andrew Stanton, Angus MacLane Writers: Andrew Stanton (screenplay), Andrew more »Continue
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Alice returns to the whimsical world of Wonderland and travels back in time to help the Mad Hatter. Director: James Bobin Writers: Linda Woolverton (screenplay), Lewis Carroll(books) Stars: Mia Wasikowska, Johnny Depp, Helena Bonham Carter | See full cast and more »Continue
Teenage Mutant Ninja Turtles: Out of the Shadows
The Turtles return to save the city from a dangerous threat. Director: Dave Green Writers: Josh Appelbaum, André Nemec | 2 more credits » Stars: Megan Fox, Stephen Amell, Alessandra Ambrosio | See full cast & crew »Continue
X-Men: Apocalypse
With the emergence of the world's first mutant, Apocalypse, the X-Men must unite to defeat his extinction level plan. Director: Bryan Singer Writers: Simon Kinberg (screenplay), Bryan Singer (story) | 3 more credits » Stars: Olivia Munn, Jennifer Lawrence, Michael Fassbender | See full more »Continue
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Fearing the actions of Superman are left unchecked, Batman takes on Superman, while the world wrestles with what kind of a hero it really needs. With Batman and Superman fighting each other, a new threat, more »Continue
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Socialite Paris Hilton's brother Barron may take Lindsay Lohan to court for allegedly planning a physical attack on him.
He has decided to take legal action against the actress depite Ray Lemoine, who allegedly assaulted him, saying that Lindsay had nothing to do with the attack.
Sources close to the Hiltons said that Paris met with a lawyer Saturday afternoon before threatening Lindsay on Instagram.
Ray claims Lindsay is innocent and he only punched Barron after the latter got physical first.


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Published on
http://ow.ly/hsc9k, Your customers use your products and services every day. They're a great resource your company can leverage for product innovation and development prioritization. You can also turn to them to provide social support and word-of-mouth marketing content by connecting them to other customers and prospects.
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The Wellness Centre of Baton Rouge
The staff of The Wellness Centre of Baton Rouge believes in a variety of approaches when it comes to feeling good and looking beautiful. Led by Karin Nielsen, practitioners perform lymphatic-drainage therapy, which can help eradicate toxins and expel unwanted bad vibes. With the aim of bringing bodies into balance with holistic approaches, The Wellness Centre offers a variety of detoxifying therapies, such as infrared sauna and ionic footbaths.
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Bears lose Cutler to groin injury in 45-41 loss
Credit: The Associated Press
LANDOVER, Md. — As the closing minutes of the Chicago Bears' latest loss ticked away, Jay Cutler was long gone, having missed most of the final three quarters with a groin injury.
Linebacker Lance Briggs and cornerback Charles Tillman stood shoulder-to-shoulder on the sideline, arms crossed and helmets off. Also hurt, they were able only to watch — and not help — as teammates tried to stop Robert Griffin III and the rest of the Washington Redskins' offense.
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7 RV Parks near Castle Hayne, North Carolina
Skippers Corner, North Carolina 0.69 miles SW
Wrightsboro, North Carolina 4.79 miles SW
Murraysville, North Carolina 5.11 miles SE
Rocky Point, North Carolina 5.52 miles N
Kings Grant, North Carolina 6.72 miles SE
We did however find 7 campgrounds within 25 miles of Castle Hayne. You can also find a list of cities with campgrounds or RV Parks near Castle Hayne in the left hand column.
Wilmington, North Carolina (map) | (910) 686-7705
Sites: 95 | Latest Rate: $63.00 | 109 Reviews
|Clean Restrooms:
|Clean Showers:
Apr 2017 - $63.00
We stayed at this park for three nights. The park is a typical KOA with RV sites, cabins and tent sites. It was very clean and well maintained. Our RV site was grass with a gravel area to park our car. We had a picnic table and plenty of room. Nice pool and lots of activities for kids. Overall a pleasant park. - thyde
Sep 2016 - $68.00
This RV park is outstanding, we had a Deluxe site that came with table and chairs, fire ring, and its own gas grill. The site was level, well drained and had excellent exposure to the southern sky for Directv. The staff was very friendly help us locate area attraction and were just a pleasure to work with. This was our third time staying at this RV Park and all 3 times the experience were the same, Wilmington KOA is our chose when we visit Wilmington. - BarnesCJ
Sep 2016 - $82.00
Definitely one of the top KOA's that we have stayed at over the last several years. Stayed for 3 days on a patio site. We prefer the pull through sites. However, there really isn't a bad site in the campground. WIFI adequate for picking up emails and general internet use. Satellite access on many of the sites. Campground is well maintained. Staff was courteous and accommodating. Great location for visiting the Wilmington area. Note: Entrance to campground comes up very fast as you travel down US17 Business and is tucked between a Speedway and a car wash. Will definitely return when in the area. - DavidO
440 Crooked Creek Rd Hampstead, North Carolina 28443 (map) | (910) 329-4648
Sites: 20 | 2 Reviews
|Clean Restrooms:
|Clean Showers:
Jun 2010 - $0.00
Attempted to make reservation June 9, 2010 and was informed that they don't do temporary stays only permanent. - echomandan
Jun 2008 - $30.00
Park is nice, people are friendly. Reserved a site with full hook up, arrived and no FHU site available. Were offered discount to take site with no sewer-there is no dump site in park. - H & E
Surf City, North Carolina (map) | (910) 328-9431
Sites: 365 | Latest Rate: $45.00 | 13 Reviews
|Clean Restrooms:
|Clean Showers:
Aug 2014 - $45.00
I am so sorry I booked this place over the campground down the road. It's 90% permanent and of those it's about as hick as it gets. The sites aren't even sites really, grassy areas with hookups. And it's LOUD. Shame being right on the water. If you like mullets, old trailers decorated with various patchwork tarps in a CG with sites that are lumpy slots in the grass, and enjoy things like the Saturday night cruising the circuit in golf carts making enough noise so it's hard to sleep, then this is the place for you. If you have ever dreamed of living in a run down trailer park, with all the horrible clichés come to life that come with it, then this is your place. Otherwise book elsewhere. We actually left here and went to the other campground. Easily the worst placed we have ever camped. - Way2Roll
Dec 2012 - $27.00
Camp sites: We stayed in site W1. We arrived after hours and were told to use site W1B. We were unable to do so because W1B had dirt stockpiled in the site and was within feet of the large maintenance shed. We had to relocate ourselves and W1 was close and nicer. W1 is a fairly level, but small site. I parked my tent trailer within two feet of the shore connection and the awning on the door side reached clear to the neighboring site shore connection. A larger unit in this site would not fit. I would estimate the campground is three quarters filled with permanent units, but these have seasonal residents. The campground seems to cater to these residents. The sites available to those of us that are not permanent are clustered amidst the permanent units. Staff: The staff did not go out of their way to be helpful. The couple checking in before us did not have a reservation and they were given a phone number for another employee who was on vacation and told to call them to figure out which site they could use. When I wanted to top my propane tank with fuel, I was told that I would be charged for a full tank fill up even though I had about a half a tank remaining. I went elsewhere to fill it up after leaving the campground. Bath House: The bathrooms did not appear to be cleaned daily even though the sign said they are cleaned daily. The toilet paper ran out and was not refilled the last three days we stayed. The men restroom was locked and was not open for our entire stay. I used the family restroom. Amenities: The park playground was interesting, but nestled between the two busiest campground streets with no real barriers to keep kids in or cars out. The laundry was locked and I had to ask for a the staff to open it. They do have a boat ramp, but I did not look at this. They do have a pool, but this was closed for the season. The park is gated and key cards with a $15 refundable deposit are provided for access. Internet Wi-Fi is available within 50 feet of the office. General Comments: Dogs are welcome and lots of people walk them frequently, it was very much a dog parade up and down the park streets. Cats are welcome as well and they run freely throughout the park. Some sites have views of the waterfront, but not all do. The land is graded so that in a rainstorm, standing water up to six inches or more puddles in many of the sites. We do not plan to return to this campground and actually cut our trip two nights short because of our dissatisfaction with the campground. A refund was not available. The reason given was listed on a sign at the desk and reiterated by the staff. It said that camping is an outdoor experience and refunds are not available because of effects of nature. - JPCannon
Apr 2011 - $30.00
Very convenient to fishing piers and golf courses in the area- well kept campground- we recommend you stay here when you're in the area. - AreV
9641 River Rd Wilmington, North Carolina 28412 (map) | (910) 392-3322
Sites: 100 | Latest Rate: $31.00 | 7 Reviews
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Aug 2016 - $31.00
These are nice people and the campground is convenient to Carolina Beach. It was available and inexpensive. Now for the real review. I was lucky. I have family on the island so I spent most of my time there, not in the campground. The sign says established in 1963 and there haven't been any improvements since. The driveway was potholes with some dirt mixed in. We found our spot which was supposed to be a pull thru. It probably could have been had it not been for the tree on one side and the power pole on the other. I got backed in though from the other side. A bit tight but I made it. Got everything hooked up and of course one of my boys has to use the bathroom almost immediately. He went to wash his hands and the smell of rotten eggs permeated the camper. The water smelled horrible. I talked to another camper there and he was running two charcoal water filters inline with each other to make it bearable. The pool was similar in color to the Olympic Diving pool in Rio, a nice greenish hue. The WiFi was available almost everywhere. I connected to four different access points and got mind blowing speeds just short of 1Mbps. That's more than double what dial-up can provide. The campground is more suited to the permanent residents as there are many on site. If you have somewhere else to shower and brush your teeth, then thus is a good place to hook up and lay your head at night. If you need the campground facilities, go somewhere else. - archerspoon
Apr 2016 - $34.00
It is easy to confuse this campground with the Carolina Beach State Park. There is indeed Wi-Fi over this entire campground. We received a map when checking in which clearly shows 16 hotspots. This is also indicated on their website. The sites are actually quite large and none of them are un-level or sandy. People should really pay closer attention to at least the correct name of the business! Overall it's not a bad place. Very shady, quiet, and close to the water. - Splizz
Jun 2014 - $33.00
We did not actually stay here. We had a site reserved for 3 nights, pulled in, and pulled right back out. The website pictures are absolutely NOTHING like the actual campground. The sites are extremely small, and are awning to awning. The office was very dark inside (there were lights that were burned out and different colored bulbs), I sent several emails to them and never got a response, and the lady in the office was not very friendly. The pool looks like a concrete bowl, the sites are not level, It is really run-down and not easily accessible with anything other than a pop up or a tent!! - jennablair
1010 State Park Road Carolina Beach, North Carolina 28428 (map) | (910) 458-8206
Sites: 83 | Latest Rate: $23.00 | 13 Reviews
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Apr 2017 - $23.00
We stayed for four nights. It was $23/night plus a $12 one-time "transaction fee". This is a lovely state park with lots of space. The park has several trails and interior roads for walking and bicycling plus it boasts a nice marina and boat launch. There are many trash cans and recycle bins so there's always one nearby. Our site offered full hook-ups (50amp/water/sewer). The park does not offer wifi. We received Verizon cell and Sprint Mifi signals. We could not get DirecTV from our roof-mounted dish. I suspect you could find a sat signal with a remote dish and a little bit of effort. Our site was very long with good distance between neighbors. Three things to mention: 1. Check-in is at the marina office which means you drive through the entire park to the very end. At the end (marina area) is a good size parking lot which is primarily used for empty boat trailers. The idea is that you'll park (although no area is designated for campers), check-in, continue circling the parking lot and drive back to the campground (which you passed on the way in). Here's the catch - if the parking lot is full and if you have a big rig, you might have a hard time circling it. The lot wasn't full when we were there so we didn't have a problem but I can see drama ensuing on a busy day. I don't know why they don't check-in campers at the Visitor Center which is near the park entrance. 2. The front gate locks at 9pm - no key and no code - not our preference. If there's an emergency, it's nice to know you can get out. 3. Water pressure was intermittently low or very low. It's was never quite right but not a big issue for us. Historic Downtown Wilmington is approx 13 miles but the drive is surface streets so it takes longer than you might expect. We found the park to be very pretty and peaceful. It was easy to relax and difficult to leave. We would definitely stay here again if in the area. - GottaGoNow
Apr 2017 - $20.00
Great State park not far from the ocean. We had one of the full hookup sites that are very nice. This particular site is odd shaped however. Rangers coming through frequently. Nice trails. - cincychic
Apr 2017 - $30.00
First time staying here since full hookup sites have been added. Had to make our reservations months in advance to get a FH site. Site was large with utilities at an appropriate location. Campground was full for Easter weekend but it was still quiet at night. The bath house was mostly clean except for one morning, I'm sure due to just a few slobs. Access to the bath house is confusing as most sites on the inner side of the loop all have trails to it but in order to avoid walking thru campsites, you may have to walk around most of the loop to find the one access trail. Lots of good seafood in the area. - jrackley
601 N Lake Park Blvd Carolina Beach, North Carolina 28428 (map) | (910) 458-1098
Sites: 25 | Latest Rate: $40.00 | 6 Reviews
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Oct 2013 - $40.00
Grass parking lot in typical, mid-level beach resort area. Full hookups, including cable, work well, but there's a fee for Wi-Fi. No restrooms or showers. Spaces are close together, but I've been in tighter parks. Sites are mostly sand and somewhat level. About 3/4 of the spaces are occupied by permanent or seasonal guests. Those we met are friendly. Good location for beach activities, restaurants and grocery shopping. Park is clean, but basic. Not much else in the Wilmington area with hook ups except the KOA which was full. - DrLewie
May 2011 - $35.00
This campground is not much more than a parking lot. It is very conveniently located. The beach and all shopping is easily walkable. However, the campground itself is a grass sites. Bumper to bumper. No trees. You can get Wi-Fi but you pay either by the day or by the week and you pay for each computer that you need access for. If you don't want to spend much time sitting outside your camper, it's fine. It's VERY convenient to the beach and boardwalk. - kvfreeman
Nov 2010 - $30.00
As my husband says, this was just a place to park. We would not have stayed here except our son lives nearby. Tiny sites (communal dining, anyone?) that resulted in our slideout nearly touching another RV's, and sewage smell everywhere. Would not stay here again! Not sure what we paid; $30 is an estimate -- but whatever, it was too much for this place! - lbeaudry
2460 Island Dr North Topsail Beach, North Carolina 28460 (map) | (910) 328-4281
Sites: 40 | Latest Rate: $45.00 | 8 Reviews
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Sep 2016 - $45.00
As others have said, if you're looking for a resort-style experience, this is not the campground for you. If you're opposed to seeing other RVs that have some age to them, this is not the campground for you.
However, if you're looking for a quaint, clean park with direct access to the beach, then look no further. What this park lacks in amenities it more than makes up for in charm and relaxation. Fishing poles and flip flops are the order of the day here.
The park itself is relatively small and they do pack folks in tight. Our particular site had a picnic table and room for our awning and that was about it. It's no tighter than your average KOA, but the thing to remember here is that you're here to go to the beach, visit the local tourist traps, eat seafood and generally enjoy everything except your RV. We had ample room to grill and eat, sit outside and chat with neighbors while listening to the waves in the evenings.
The park is primarily flat and sandy but fairly well maintained. Our site was not paved but level and solid enough. There is a game room that contains a few pool tables and an air hockey table. The office contains a small store that has the basic stuff one might expect to see at a campground store. The people here are super friendly, helpful and love nothing more than to sit on the porch and BS for hours. If you need ideas on where to go eat or what to go see, the office is probably the best place to start.
I do realize that $45 per night may not seem like a value to some, especially when one realizes that there's no pool, no dog park, and no playground, but if you've ever spent a week on Topsail Island in an oceanside rental house, you'll immediately realize that $45 per night is a steal. Again, you're here for the beach, not the playground. The real playground is just over the dunes and it's the best playground I could imagine for kids and their parents alike.
Oh, Verizon cell service works just fine here. - PirateMonkey
May 2016 - $50.00
This campground is on the ocean side which is nice. We were there in the off-season so it was not crowded. Full service and the WI FI worked very well which is not always the case. Our site was sand/grass, sunny/open, and had a picnic table. - sue2
Jul 2013 - $40.00
We spent six days here, and selected this campground due to the close proximity to the ocean. We were very pleased. This is not a luxury campground, nor does it advertise itself as one. The "9" rating is comparing this campground to how it is advertised. It you are expecting a resort, this isn't for you. If you want friendly folks, relaxing atmosphere, with the Atlantic Ocean is just a few hundred yards from your camper...this is for you. The owners are very friendly, as are the fellow campers. We are new at the camping lifestyle, so I was surprised to see someone "camping" in his car, but to each his own, I guess. There are quite a few "seasonal" sites here, which I found to be a bonus...since these folks were very knowledgable about the area. The camp store provided us with a few staples that we ran out of, which was very nice, at reasonable prices. Parking is tight, but doable. The staff will help park the trailers if spaces are too tight, which I did not realize until after we had parked. Topsail Island is a great place. Not over populated like so many others. And, it's dog friendly all hours, 365 days of the year. - LMNC


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Kochhar & Co. has hired Gautam Bhatikar as a Senior Partner and co-head of the firm's Mumbai office.
Gautam, who has over 15 years' experience in maritime, shipping, insurance and dispute resolution, will also be spending time at Kochhar's Dubai office to develop the international commercial arbitration practice of the firm.
A graduate of Ramnath Damodar Kare College of Law, Gautam is also qualified as a Solicitor in England and Wales. Prior to joining Kochhar, he was a Partner at ALMT Legal. He has also worked for Paras Kuhad & Associates and Mulla & Mulla.
Commenting on the development, Gautam said in a press release,
"I am privileged to be a part of the Kochhar & Co. family. This is an exciting role and I look forward to leveraging the Kochhar brand and its multi-jurisdictional presence to complement the growth of the maritime, arbitration and insurance practice."
Kochhar has been on a hiring spree of sorts lately. The firm recently hired Nikhat Sardar Khan as a Partner in its Dubai office. Last month, Sarika Raichur joined the firm as a Partner.
The firm also announced the hire of Zoeb Cutlerywala as a Senior Associate in its Mumbai office.


text:
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Phone Number:
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Price Range (Based on Average Rates): $
Hotel Class:2 star — Baymont Inn & Suites Grand Rapids Airport 2*
Number of rooms: 99
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text:
University of San Diego School of Law
weekly newsletter October 10, 2016
Volume 6, Number 8
important deadlines →
upcoming events →
Monday, October 10
Office for Graduate and International Programs: Summer Study Abroad Information Session
12 p.m. - 12:50 p.m.; Warren Hall Room 2B
It is not too early to start thinking about summer 2017! Join Professor Michael Devitt to learn more about USD's Summer Study Abroad Programs in Paris and London. Learn how to take advantage of USD law's study abroad opportunities and gain valuable international education, experience, and connections. Current USD law students who participated in the 2016 summer programs will share their experiences. This is a great opportunity to hear first hand from your fellow students about summer study abroad. Sandwiches will be served.
Contact: Lori Mossuto, email@example.com
Student Bar Association (SBA): General Meeting
12 p.m. - 12:50 p.m.; Warren Hall Room 131
The SBA General Meetings are held every other Monday in Warren Hall room 131 and any USD law student may attend. For information regarding recent General Meetings, please check the SBA TWEN page. Student organizations that are receiving funding from SBA must send a representative to each General Meeting.
Contact: SBA Secretary David Nauss, email@example.com
USD Law Republicans (USDLR): General Meeting
12 p.m. - 12:50 p.m.; Warren Hall Room 133
Please join USDLR for its first general meeting of the year. Lunch will be provided.
Contact: USDLR President Justin Kizy, email@example.com
Coffee Drop-In for Part-Time Students
5 p.m. - 6 p.m.; Warren Hall Room 200
Please join Associate Dean Margaret Dalton for a very informal "drop in" at her office as you head to class. This is an opportunity for part-time students to share their thoughts in a relaxed atmosphere. RSVP appreciated but not required. Please email Kit Brawner (email@example.com) to RSVP.
Contact: Kit Brawner, firstname.lastname@example.com
Tuesday, October 11
Business Law Society (BLS): General Meeting
12 p.m. - 12:50 p.m.; Warren Hall Grace Courtroom
Join us for our first general meeting. Learn how to become a member, hear about our upcoming panels, and meet the BLS board. Pita Pit served for lunch.
Contact: BLS President Christopher Thien, email@example.com
JD/MBA Concurrent Degree Information Session
12 p.m. - 12:50 p.m.; Warren Hall Room 2B
Learn about USD's JD/MBA concurrent degree program, in which you can earn your JD and MBA degrees in four years. Lunch will be served. Please email your RSVP to email@example.com.
Contact: Office for Law Student Affairs, firstname.lastname@example.com
Student Wellness: Question, Persuade, Refer (QPR) Training
12:30 p.m. - 1:30 p.m.; Hahn University Center Room 107
Did you know that suicide is the second-leading cause of death among people aged 25-34? Question, Persuade, Refer (QPR) Suicide Training is designed to help identify the warning signs of suicide and reduce suicide behavior. In this one-hour training, you will learn how to recognize suicide-warning signs, ask someone you are concerned about whether they may be considering suicide, and help refer someone who may be struggling to professional help. Please register for this training and learn how to be a life-saving resource.
Contact: USD Student Wellness, firstname.lastname@example.com
Graduate Student Life: Yoga on the Rooftop
4 p.m. - 5 p.m.; Student Life Pavilion Rooftop (5th Floor)
Please join us for our monthly Yoga on the Rooftop. Bring a yoga mat or towel. All graduate and law students are welcome to attend.
Contact: Graduate Assistant for Graduate Student Life Ariela Canizal, email@example.com
Wednesday, October 12
Graduate Student Life: Bagel Breakfast
9 a.m.; Student Life Pavilion Grad/Law Commons Room 401
Enjoy bagels, coffee, and juice. All graduate and law students are welcome to attend this event. Come early; the event ends when the food runs out. Like us on Facebook to keep up with our events.
Contact: Mariann Sanchez , email@example.com
Christian Legal Society (CLS): First General Meeting
12 p.m. - 12:50 p.m.; Warren Hall Room 2B
Join CLS for its first general meeting. We will have a panel of attorneys speak about how they integrate their faith into their legal practice. Our panelists are Licia Vaughn (DLA Piper), Erin Bosman (Morrison Foerster), and Kirk Carson (Realty Income Corporation). Guests will also learn more about the discipleship groups and mentorship opportunities CLS has to offer. Lunch provided.
Contact: CLS Co-President Evan Critchlow, firstname.lastname@example.com
Intellectual Property Law Association (IPLA): Introduction to Intellectual Property
12 p.m. - 12:50 p.m.; Warren Hall Room 2A
Join IPLA and Professor Lisa Ramsey for a discussion about what is intellectual property and its importance in our society. We will talk about patents, trademarks, copyrights, and trade secrets. Professor Ramsey will be available to answer your questions afterwards. Non-pizza lunch provided.
Contact: IPLA President Michael Hsieh, firstname.lastname@example.com
Thursday, October 13
Dean's October Mixer
4 p.m. - 6 p.m.; Warren Hall Back Patio (Flu Shots in The Writs)
Dean Ferruolo invites you to the October Mixer. Come mingle with the dean, faculty, and students while enjoying some festive Oktoberfest fare. The Student Health Center will be providing flu shots in The Writs for students, faculty and staff during the Mixer. Flu shots are free for students and $20 for faculty and staff (payment will be accepted in cash, check, campus cash).
Contact: Office for Law Student Affairs, email@example.com
Saturday, October 15
Advocates for Children and Education (ACE): SMART Program
12 p.m. - 4 p.m.; First United Methodist Church 119 E. 4th St. Escondido, CA 92025
This is a fun and rewarding pro bono opportunity. The SMART Program is aimed at teenagers who have committed one misdemeanor offense and are going through the Youth Court Diversion Program to keep the charge off of their record. The goal is to get these teens to think about their future, set goals, and make better decisions. We run one-on-one activities and group discussion.
Contact: ACE SMART Program Cooddinator Rachel Pence, email@example.com
Sunday, October 16
Graduate Student Council (GSC): Family Day at the Bay
11 a.m. - 3 p.m.; Crown Point Park, Mission Bay
Join GSC for a family fund day at Mission Bay. We are partnering with Outdoor Adventures to offer graduate and law students, and their families, the opportunity to explore kayaking, paddle boarding, water games, and more at Crown Point. We invite you to bring a picnic lunch and enjoy the sun. The event is $10 per person. Please RSVP online and submit your payment (cash or check) to the Grad/Law Commons (Student Life Pavilion room 401) by Thursday, October 13 at 5:00 p.m. Transportation is not provided.
Contact: GSC Vice President Geralyn Williams, firstname.lastname@example.com
Monday, October 17
Criminal Law Society: General Meeting
12 p.m. - 12:50 p.m.; Warren Hall Room 133
Join the Criminal Law Society for its first general meeting of the year. We will discuss our upcoming events and take a poll for ideas for spring semester events. Lunch will be provided.
Contact: Criminal Law Society President Susan McClay, firstname.lastname@example.com
Student Bar Association (SBA): Budget Committee Meeting
12 p.m. - 12:50 p.m.; Warren Hall Room 315
Registered student organizations can request funding from SBA. To request funding, fill out and submit a Budget Request Form, available on the SBA TWEN page, then sign up to present your request to the Budget Committee for funding. SBA Budget Committee Meetings will occur every other Monday in Warren Hall room 315.
Contact: SBA Treasurer Ashley Foote, email@example.com
Tuesday, October 18
International Law Society (ILS): General Meeting
12 p.m. - 12:50 p.m.; Warren Hall Room 2A
Join ILS for our first general meeting of the year. We will introduce the board and discuss upcoming events. Thai food served for lunch.
Contact: ILS President Jamie Santos, firstname.lastname@example.com
Office for Graduate and International Programs: JD/LLM in Taxation Information Session
12 p.m. - 12:50 p.m.; Warren Hall Room 2B
Are you interested in exploring the benefits of an LLM in Taxation degree? Did you know that you can earn an LLM in USD's highly-regarded program in just one semester? Join the Office of Graduate and International Programs for this information session to learn about the faculty, courses, application process, and more. Lunch will be provided.
Contact: Graduate and International Programs, email@example.com
Wednesday, October 19
La Raza Law Students Association: Government Attorney Panel
12 p.m. - 12:50 p.m.; Warren Hall Room 3B
Join La Raza for a panel discussion featuring three government attorneys. Our panel includes Jose Castillo (United States Attorney's Office, Southern District of California), Adrian Contreras (California Department of Justice, Office of the Attorney General), and Augustin Pena (San Diego District Attorney). This event is open to all student. Lunch will be provided.
Contact: La Raza Events Coordinator Emilio Cazares, email@example.com
Office for Graduate and International Programs: JD/General LLM with IP Concentration Information Session
12 p.m. - 12:50 p.m.; Warren Hall Room 2A
USD JD students may be eligible to earn an LLM in just one semester. Come to this information session to learn about the General LLM with Intellectual Property concentration and the application requirements. Meet USD's renowned IP faculty, who will explain the curriculum and the unique benefits of this program. Lunch will be provided.
Contact: Graduate and International Programs, email@example.com
USD Law Republicans (USDLR): My Journey from USD Law to City Attorney Candidate
12 p.m. - 12:50 p.m.; Warren Hall Room 2B
Join USDLR in welcoming City Attorney Candidate and Deputy District Attorney Robert Hickey. He will give a presentation on his experiences as a USD law alumnus, working as a Deputy District Attorney, and running his City Attorney campaign. In-N-Out provided for lunch.
Contact: USDLR President Justin Kizy, firstname.lastname@example.com
Women's Law Caucus (WLC) and American Constitution Society (ACS): Presidential Debate Watching Party
5:30 p.m. - 8 p.m.;
Join WLC and ACS to watch the third presidential debate in a fun atmosphere with your friends. There will be appetizers, graduate level beverages, and dessert. Drop by for a few minutes or stay the entire time. Your RSVP guarantees you two drink tickets. Space is limited, so submit your RSVP online as soon as possible.
Contact: WLC President Audrey Wood, firstname.lastname@example.com
Thursday, October 20
Employment and Labor Law Society (EALLS): Grab 'em by the What?! A Panel on Sexual Harassment
12 p.m. - 12:50 p.m.; Warren Hall Room 2B
EALLS invites you to this lively discussion of sexual harassment in the workplace and its impact on employers, workers, and society. Three San Diego attorneys will share their knowledge, experiences, and answer your questions. Our panelists include Kristin Rizzo, '06 (Rizzo Law PC), Jerrilyn Malana (San Diego County District Attorney's Office), Maria Tapia-Hernandez (USD Law Workers' Rights Clinic), and David Greco, '14 (Nicholas & Tomasevic). Tio Leo's will be served for lunch.
Contact: EALLS President Desi Kalcheva, firstname.lastname@example.com
Students for Sensible Drug Policy (SSDP) and Federalist Society: Incarcerating US
5 p.m. - 8 p.m.; Pardee Legal Research Center Room 132
SSDP and the Federalist Society invite you for a special screening of "Incarcerating US," a newly released documentary film that tackles the important issue of prison reform. We will have a happy hour reception at O'Toole's at 5:00 p.m., followed by a showing of the film in LRC room 132 at 6:00 p.m. The first 20 students to RSVP online will receive a free drink ticket and the next 20 RSVPs will receive a $1 off coupon for a graduate level beverage. Popcorn and soft drinks will be provided at the movie screening. USD Votes will also be on hand to register new voters.
Contact: SSDP President Daniel Bremer, firstname.lastname@example.com
Friday, October 21
Legal Writing and Research Program: LWR in Practice—What Bosses Want
12 p.m. - 12:50 p.m.; Warren Hall Room 131
Join us for lunch and a panel discussion with current practitioners as we discuss what supervisors want and expect from their law clerks' legal writing. Get an inside look at what kinds of legal writing partners find most effective, and learn tips of the trade from attorneys in a wide range of legal practice areas. Our panelists include Peter Adams (Cooley LLP), Dante Pride (The Pride Law Firm), and Patrick Bumatay (U.S. Attorney's Office, Southern District of California). Please RSVP to Alisha Stine (firstname.lastname@example.com) by Monday, October 17 at 5:00 p.m. to be included in the lunch order. Otherwise, everyone is welcome.
Contact: Legal Writing and Research Program Executive Assistant Alisa Stine, email@example.com
Phi Alpha Delta (PAD): New Member Initiation
5 p.m. - 7 p.m.; Warren Hall Grace Courtroom
PAD will hold its new member initiation followed by a social with current active members. All JD and LLM students are welcome and encouraged to join PAD and become a new member. To become a member, you must submit an application and pay the dues. Please contact PAD Justice Megan Thiels for more information.
Contact: PAD Justice Megan Thiels, firstname.lastname@example.com
announcements →
Student Bar Association (SBA): It's Time for Change!
The SBA wants to consolidate your information resources. Please join the USD Law SBA Facebook group to see all SBA-sponsored event updates. From this point forward, all event postings will be on this group's page rather than on the individual class Facebook pages. Please contact SBA President Lauren Stockunas if you have any questions.
Student Writing Competitions
Looking for a way to get published? Maybe earn some extra cash? Maybe even a trip to the GRAMMY Awards? Then consider entering a writing competition. Visit the Writing Competitions web page for current opportunities. There are a variety of topics that you can write an essay on. Deadlines vary and new competitions are added periodically, so check them out today! For some inspiration, you can read about other USD law students who have won these competitions here and here.
Legal Clinics: Spring Applications
Do an internship right here on campus. Join our on-site law office and gain skills working with actual clients on real legal cases. This is an experience that can boost your resume and prepare you for legal practice. We are accepting applications for the spring 2017 semester. Apply online today. Please contact Legal Clinics Administrative Director Eric Austin at email@example.com or (619) 260-7640 with any questions about registration. Visit the Legal Clinics web page for more information about our clinic offerings.
Animals on University Property
Please be advised that USD has a policy regarding animals on university property to which all members of the USD community are expected to adhere, including the School of Law community. The university prohibits the presence of pets and other animals (excluding approved service animals) in all university buildings. Pets and other animals are also not permitted at university events. Please read the entire policy to ensure that you are aware of the rules, exceptions, and consequences.
Legal Research Center (LRC): October Library Trivia
Test your legal trivia skills each month with the LRC's monthly trivia contest. Visit the LRC homepage or Facebook page to submit your answer for October, and enter to win a drink card for Doug's Coffee Cart.
Legal Research Center (LRC): Student Organization Highlight of the Month
The LRC is highlighting La Raza Law Students Association for the month of October. Please view the October highlight flyer on our Student Resources web page for more information.
sidebar is a weekly enewsletter prepared by the Office for Law Student Affairs and is emailed to all USD law students every Monday morning. It contains important deadlines, announcements and upcoming events for the following two weeks. Past issues of sidebar can be found online.
Submit your listing request online by noon on the Thursday before you wish the listing to run. Listing requests may be edited. Listings will not be posted for more than two weeks. No images or attachments will be included, but URLs are welcome.


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It looks like you're new here. If you want to get involved, click one of these buttons!
Sects - I don't know if that has the same kind of connotation as Factions, but I like Sects better than Societies
I'm also ok with Guilds - a name is what you make of it.
Not sure which I like, and the issue isn't a big deal for myself, so don't treat this as a recommendation. But I do agree with Syn's point. Also, one can even type out SPARwho. Also for those who have trained themselves to reflexively use SWHO you can alias the new command whatever it is.Synkarin said:
If you're looking to spar, you can type an extra letter, let SWHO be secttells
I'm totally shipping @Eliron and @Everiine now.
Daraius said:You gotta risk it for the biscuit.
That would be nice and easy but I am betting good money that it is some sort of coding nightmare.Ushaara said:Am fine with guild, but for another option, could just go with the existing 'clan' system and set it to a CLAN 0 slot, on top of the 10 free clan slots players get already?
I'm totally shipping @Eliron and @Everiine now.
Daraius said:You gotta risk it for the biscuit.
Fyler said:Sylandra has a very signature (and somewhat twisted) sense of humor