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In our effort to reduce community spread of COVID-19, we are asking all patients to PLEASE CALL AHEAD before visiting a clinic. Click Learn More to find out how to make an informed choice about where to go for care during the COVID-19 pandemic.
101 Cedar River PkwySuite 101Waverly, Iowa 50677
Updated 2:31 PMJul. 11
Information posted is an estimate.
Your personal experience may vary.
2134 Logan Ave.Suite AWaterloo, Iowa 50703
Updated 2:30 PMJul. 11
5100 Prairie ParkwaySuite 101Cedar Falls, Iowa 50613
1655 E San Marnan Dr.Suite HWaterloo, Iowa 50702
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To monitor an abnormally beating heart, either one that beats too fast (Tachycardia), too slow (Bradycardia) or irregularly (Atrial Fibrillation). These abnormal heart beats are referred to as arrhythmias.
An AICD is a device that monitors a person's heart rate. They are generally implanted into heart failure patients. The device is programmed to perform the following tasks: speed up or slow down your heart, depending upon the heart rate. The AICD gives your heart a shock if you start having life threatening arrhythmias or an abnormally high heart rate. Arrhythmias occur when your heart does not beat normally. Some arrhythmias can cause the heart to completely stop beating. The shock given by the AICD can make the heart start beating normally again. An AICD can also make your heart beat faster if your heart is not beating fast enough.
There are different kinds of AICDs, but they all have 2 parts: electrodes (thin flexible wires) and a generator. The electrodes or "leads" sense or watch the heart's electrical activity. The generator is the battery power source and the "brains" of the AICD. It is a small metal can about the size of a deck of cards. The generator stores information about any arrhythmias you have. The generator also keeps track of how often it needs to give your heart a shock. Some AICDs also function as pacemakers for heart rates that are too slow or too fast.
Your doctor has recommended you for an AICD system for one or more of the following reasons:
Prior to implantation of an AICD, an Electrophysiological study (EP study) may be performed. An EP study is used to help decide whether to use an AICD or whether to use drugs for treatment.
The newer AICD units can be implanted without major surgery. The procedure is performed under local anesthesia, but sometimes it is done under general anesthesia. You will be hooked up to an intravenous (IV) line and will receive sedation. Before the doctor makes an incision, your upper chest will be cleaned and your torso draped. Your arms may be loosely strapped to prevent movement during the testing of the AICD.
The doctor will make an incision in your upper chest area below the collarbone. A wire will be inserted through a vein into your heart. Sometimes more than one wire is used. The doctor will create a "pocket" in your chest, where the AICD is inserted. The AICD is connected to the wires. The doctor will test the AICD by creating an arrhythmia and then observing whether the AICD delivers the required therapy. Later that day, or the next day, your AICD system will be checked and tested again with a computer called a "programmer." This procedure is called "noninvasive programmed stimulation" or "pre-discharge testing." You will receive sedation. The doctor will provoke an arrhythmia to see if the device works. The AICD will deliver a shock (defibrillation). The staff will fine-tune the equipment.
Recovery time after implantation of newer AICD units is quite short. Hospital stays are rarely longer than 3 or 4 days and there is quick return to prior activity levels. People with AICDs must continue to follow their doctor's recommendations regarding medication, diet, and exercise.
Prior to discharge, you will be shown how to examine your incision site. You should look for signs of infection each day such as increased redness, increased tenderness, swelling around the incision, drainage from the incision. You should also report a fever over 100°F that lasts longer than 24 hours. You will also receive instructions on your AICD.
The AICD pulse generator runs on a battery. The battery provides the energy needed to monitor your heart rhythm, pace the heart or deliver electrical therapy. Just like a battery you use with your electronic equipment, the battery can wear down over time. How long the AICD pulse generator will last is dependent on what settings are programmed into the system. It is also affected by how much therapy you receive.
Your doctor will open the pocket of skin where the pulse generator is located to replace your AICD pulse generator. The old pulse generator will be unplugged from the leads. The leads are checked to make sure they are still working properly. Then they are connected to the new AICD pulse generator. A test is preformed to make sure the new system is working properly.
Once the doctor knows the AICD is working properly, he/she will stitch the pocket of skin closed. The entire procedure takes about an hour. It is considered a minor operation, and you should be able to return to normal activities soon.
In a Cardiac Catheterization Lab.
Typically the procedure takes 1-2 hours to perform.


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A NASA video explains why "The World Didn't End Yesterday" ... more than a week before the date that's been hyped as a purported doomsday.
NASA's latest video debunking doomsday hype comes from the future — to be precise, from Dec. 22, one day after the expected peak for worries that the end of an ancient Maya calendar cycle will signal the end of the world as well. Some might think that the video, titled "The World Didn't End Yesterday," was prematurely released. But it wasn't: The advance word about the non-apocalypse is a key part of the space agency's plan.
"The teaser for the video explains everything: 'NASA is so confident that the world is not coming to an end on Dec. 21, that they have already released a video for the day after,'" Tony Phillips, the writer and editor behind the NASA Science website as well as SpaceWeather.com, told NBC News in an email.
Phillips says the "day after" angle was his idea.
"I felt it was a lighter and more creative way to approach the topic than some of the other treatments we've seen," he wrote. "Some people have been confused by it, but not all. The unorthodox approach is definitely a conversation-starter, which was our goal all along."
Bashing the bunkum
As the 12-21-12 date approaches, NASA has been taking the lead in telling people that the connection between the Maya calendar and doomsday fears is pure bunkum. By some accounts, a grand 5,125-year cycle comes to an end on Dec. 21, but this year, archaeologists found that the Maya calendar counting system goes beyond 2012, just as our own calendar recycles itself after Dec. 31. For what it's worth, there's even some question whether Dec. 21 is the right date for the Maya calendar turnover.
The Maya "Long Count" calendar and its connection to 2012 has long been a topic of controversy.
Along the way, the Maya hype has gotten mixed up with other end-of-the-world memes, ranging from monster solar storms to the onset of a threatening Planet X. There's a germ of truth behind some of the memes. For example, the sun really is heading toward the peak of its 11-year activity cycle, but solar maximum won't cause the end of the world. In fact, Phillips has said the upcoming solar max could be "the weakest of the Space Age." Meanwhile, our planet is indeed heading toward a rough alignment with the sun and the galactic center on Dec. 21 — but that alignment happens every year at this time, due to the winter solstice.
NASA has been spending a lot of time lately separating the scientific fact from the scary fiction. Last month, the space agency put together a Web page that addresses the frequently asked questions about the 2012 hype, with links to even more information about topics ranging from polar shifts to supernovae and super volcanoes. This may sound like overkill, but it's not: Earlier this year, an international opinion survey conducted by Ipsos for Reuters found that 14 percent of the respondents believe the world will come to an end during their lifetime — and 10 percent said they were worried that the Maya calendar change-over would mark the end of the world.
What to tell your kids
All this doomsday hype can be particularly troubling for kids, who tend to look to the grown-ups for a reality check. Do your children need some reassurance? These tips from Kids.gov, the U.S. government's Web portal for the younger set, could come in handy:
- Take their fears seriously. Dismissing a fear with a quick "don't be silly comment" or brushing it aside by telling them not to worry is not going to help. If your children express a fear, take time to sit down and discuss it. This sends the message that you are really listening and that your kids can always come to you and they will be taken seriously.
- Educate yourself about the topic of their fears. This allows you to speak confidently about the subject and give you the facts when discussing a rumor.
- Help your child research the rumor. If your child heard the rumor at school or saw something scary on the Internet, sit down with him at the computer and help him to conduct his own research. Discuss the importance of finding credible sources for information and guide him to legitimate, authoritative resources.
- Take the fear off their plate. For younger children, sit down to discuss the child's fear and then tell them, "OK, from now on I will worry about this for you. You don't have to worry about this anymore. I'll look into it and I will let you know what I find out." Make sure to check back with your child once you have researched the topic. Anticipate any questions he may have and plan your responses.
Do you still have concerns about Dec. 21? Are you hearing the Maya hype from your friends? How are you handling all this? Feel free to weigh in with your comments below, and check back next week for our continuing coverage of the doomsday buzz. In the meantime, review our coverage of last year's Rapture rigmarole to get an advance look at how this is all likely to go down.
More about 2012:
- Stressed by storms? Don't panic
- Countdown to a non-doomsday
- 2012 and the Maya: What were they thinking?
- Serbian mountain draws the doomsday crowd
- Video: End of the world? Head to France
Alan Boyle is NBCNews.com's science editor. Connect with the Cosmic Log community by "liking" the log's Facebook page, following @b0yle on Twitter and adding the Cosmic Log page to your Google+ presence. To keep up with Cosmic Log as well as NBCNews.com's other stories about science and space, sign up for the Tech & Science newsletter, delivered to your email in-box every weekday. You can also check out "The Case for Pluto," my book about the controversial dwarf planet and the search for new worlds.

subset: commoncrawl


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The Somersert Cider Brandy L'Ortolan
Our latest addition on the bar list - The Somerset Cider Brandy
It has long been recognised that for growing apples for fermenting, England has three "vintage" areas where the soil conditions and climate are deemed best for growing cider apples, known as "terroir". All of these areas are in Somerset, Burrow Hill, Kingsbury Episcopi, is right in the middle of one while the others being around Wedmore and Baltonsborough.
At Burrow Hill it is considered vital to know the origins of apples, which are starting point for both cider and Somerset Cider Brandy. All the apples come from Somerset, the majority from estates own orchards but also from small local growers. Burrow Hill grow more than 40 varieties of vintage cider apples with names such as Brown Snout, Stoke Red, Harry Masters and the legendary - Kingston Black.
Last records for distilling Cider Brandy in England date back to 1678. The Somerset Cider Brandy Company revived the tradition in 1987 when they obtained the first commercial distilling license in English recorded history.
Much like their French cousins, Calvados, they also have a protected name ( Protected Geographical Indication ) that will forever be tied to Somerset. Since winning a PGI in 2010, Somerset Cider Brandy was re-instated as a legal term, giving them an "appellation controlee".
The process is very straight forward, yet it most certainly requires a lot of precision and experience in order to maintain the standard and achieve desired quality. Apple Eau de Vie is pumped into oak casks in the bonded warehouse. The barrels are carefully selected for the qualities and flavours they impart while giving the wonderful golden colour to the brandy. As it mellows, it grows richer with age taking on the complex flavours from the wood.
The art of distilling is in the blending, not just of the apples but the selection of barrels used to mature the Somerset Cider Brandy. Burrow Hill takes greats care looking after their barrels and nurturing the brandy over the years. According to their distillers, the desired product reaches its zenith at 20 years and that's when they stop the maturation process.


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Newsplex gets Comcast boost
Comcast's takeover of Adelphia Cable is proving a boon for the local Gray Television stations as they land prime spots lower on the dial, while their fiercest competitors get the boot– or the less desirable spots Newsplex stations now hold.
"It's huge," says Newsplex general manager Roger Burchett. "It'll make a huge difference immediately." Starting December 28, WCAV CBS19 moves from the wastelands of cable channel 18 to primo channel 6, a spot now held by WTVR in Richmond– which is being dropped from Comcast cable. WAHU FOX27 takes WTTG's channel 9, but the Washington Fox station will still be available on channel 18 for those who like "If it bleeds, it leads" for their 10 o'clock news. And the Newsplex scores cable channel 2 for its newest station, My C'Ville, which will debut classic, Hawaii Five-0-style television on or before December 28.
Richmond stations aren't all being shown the door: WWVT NBC 12 and WRIC, the ABC channel 8 station, remain where they are. And NBC29's newest offering, CW29, continues on cable 17.
casualty beneficiary of the Comcast shake-up: TBN, the Trinity Broadcast Network, is demoted from channel 20 to 98. Oops, TBN is promoted to 20 from the bottom of the dial, putting the religious station closer to the mainstream.
And one more harbinger of change in the new world of Comcast: Richmond cable TV subscribers are looking at a price increase the beginning of the year, according to the Richmond Times-Dispatch.
9 comments
Maybe NBC 29 will now have to start covering CHARLOTTESVILLE news instead of all the Shenandoah Valley stuff. I've already converted to CBS 19 and know a lot of other people who have done so as well. NBC 29 has let us down, so I think this is great news for the new guys!!!
I agree with your assessment, except I scratch Laura French and Dana Hackett. You're right, the only one even interesting covering the Valley is Matt T. One girl named Melinda looks like a deer in headlights. The new girl with the CW could be a good add to my Fantasy news team. The new gitl on the weekend of 19 isn't bad either.
Will the stations really be broadcasting in HD within 90 days? Can this biblical-type event really happen? I guess we'll find out by March 1st.
My preference is NBC29. Their coverage of Charlottesville and the Shenandoah Valley area are is preferred to the "Charlottesville only" preference of the Charlottesville Newsplex.
The new guys are great! They deserve their due. They continue to get involved in the community and cover local news that's important to Charlottesville.
You can start to tell a real difference in the quality of newscast now and that only helps the local abc, cbs and fox stations grow in popularity.
Our family loves the commitment to local high school sports!
I agree. NBC 29 is not MY preferred station. I can barely find out what's going on in Charlottesville because some Tamera girl is sitting in some Waynesboro newspaper room talking about cows. Come on, give me CHARLOTTESVILLE news! Thanks CBS 19, you have converted me to your news! Stephanie is great and the rest of the news team is solid. NBC 29 needs to take some notes!
So let me ask you this: who's the best of the best? I mean, the few times I do watch local news, I saw good things and bad about 19 and 29. But if you were to create, say, and independent news station (whatever happened to those plans in Cville, by the way?) and could cherry-pick from what's here, what would you choose? For me, I'd start with 19's studio at the Ix building. I'd try a 3 anchor newscast with Stephanie Hockridge, Laura French, and Mark Obrien. Weather with Norm Sprouse and Sports with Dave Strumpf. Reporters would be Lisa Ferrari, Dana Hackett, Phillip Stewart, and Matt Talhelm. And like many of you say, let's stick with what's happening in Charlottesville, Albemarle, and Fluvanna. Maybe Greene.
I guess looks are somewhat important but what I want is news that pertains to my comminuty - Charlottesville.
Thanks God we now have that choice!
My Dish TV rarely leaves 16 or 19. Good news, good programs.
I agree, townie. You have to remember, though, that good journalists will find the community stories. I suppose that's what I was suggesting by developing an "all-star" team. Who are the people (here now) that will find the news that matters to us. I mean, if all news was fed to the TV stations, there's no reason why any of them would be different in content.


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How To Find A Plant-Based Doctor #Jeff Novick, MS,RD #Esselstyn, MD
How To Find a Plant-Based Doctor
Caldwell Esselstyn, Jr., MD
Jeff Novick, MS, RD
Jeff Novick, MS, RD
Over the last few years, I have been honored and privileged to work with and speak to literally 10's of 1000's of people who were looking to change to a plant based diet and lifestyle. As a result of this work, one of the questions that comes up very frequently is how does someone find a plant based doctor to work with.
While there are several ways to respond to this question, one of the greatest responses I ever heard was from Dr Caldwell Esselstyn during our Q & A sessions at an immersion. After hearing it, I asked him if we could work together on expanding and drafting his response into a formal article. What follows is our first draft, which we may update and amend over time, but because of the importance of this, we wanted to put it out now.
Here we go…
How To Find a Plant-Based Doctor
Caldwell Esselstyn, Jr., MD
Jeff Novick, MS, RD
People often despair that they lack a local physician with a plant based focus. It is a common concern we hear often. While ideally it would be best if there were a plant based doctor for everyone who wants one,this is rarely the case.
However, do not despair. Working together we can bring you and your current doctor fully up to speed with knowledge about plant based nutrition. Therefore the first thing that will be important for you to do is to get yourself up to speed on the basics of plant-based nutrition.
One way to do this is by visiting one of the residential or immersion programs** run by one of the recommend doctors. Other ways that can also be of value include reading the recommended books**, watching the recommended DVD's** or taking the E-Cornell plant based nutrition course**. Of course, nothing can take the place of a live interaction with a knowledgeable plant based doctor.
It is important to continue to work with your doctor and let them realize we are not taking away his/her patient; we are merely focusing on a very important dimension of care -the causation of their illness, which local physicians 1. don't have the time for 2. don't have the passion for or 3. lack the training or skill set for.
Also, in the beginning, you do not have to get into the specific details of your diet. Just let them know you have decided to start eating better and going to make some changes (eat a few more fruits, veggies, whole grains and beans and less junk food and fried foods) and see how things go and that you would like them to keep an eye on your numbers. Even ask them if they have any recommendations.
Then, just keeping following the program. This way, working together with your local physician, he/she will be able to reduce 1. blood pressure meds as the patient's hypertension resolves 2. reduce cholesterol meds as cholesterol lowers 3. reduce diabetic meds as glucose is reduced.
In addition, once you being to have success and your doctor sees these positive changes, he/she may initiate the conversation with you about what you have done and be far more willing to have the conversation from a more open perspective having witnessed the improvements. And, by doing it this way, you will have helped to educate your doctor about the power of plant based, no oil way of living without having any confrontational interactions.
When we approach it this way, the local MD's will recognize that those of us in lifestyle medicine are working synergistically in the spirit of cooperative endeavor to have their patients have the full benefit of plant based nutrition to halt and reverse their disease.
**Here is the beginning of the recommended resource list in alphabetical order by last name.
(It will be updated over time with live links to the resources.)
Neal Barnard MD
– Dr. Neal Barnard's Program for Reversing Diabetes
– Breaking the Food Seduction
– 21 Day Weight-loss Kick start
Colin Campbell
– The China Study
Caldwell Esselstyn
– Prevent & Reverse Heart Disease
Rip Esselstyn
– The Engine 2 Diet
Doug Lisle
– The Pleasure Trap
John McDougall MD
– Dr. McDougall's Digestive Tune‐Up
– The McDougall Quick & Easy Cookbook
– Dr. McDougall's Total Health Solution for the 21st Century DVD
– The McDougall Program: Twelve Days to Dynamic Health
– The McDougall Program for Maximum Weight Loss
– The New McDougall Cookbook
– The Starch Solution
Neal Barnard MD
– Tackling Diabetes DVD
– Kick Start Your Health DVD
Caldwell Esselstyn
– Prevent & Reverse Heart Disease
Rip Esselstyn
– Forks Over Knives Presents The Engine 2 Kitchen Rescue
Michael Klaper
- -Digestion Made Easy
Douglas Lisle
– The Continuum of Evil
– Losing weight without losing your mind
– The Pleasure Trap
John McDougall MD
– Dr. McDougall's Total Health Solution for the 21st Century DVD
– McDougall Made Easy & Irresistible
– Dr. McDougall's Money-Saving Medical Advice
– Dr. McDougall's Common Sense Nutrition
– McDougall Made Irresistible
– Dr. McDougall Disputes Major Medical Treatments
– McDougall Made Easy
– McDougall's Medicine
Jeff Novick
– Lighten Up
– Calorie Density
– Should I Eat That
– From Oil To Nuts
– Nuts & Health
– Fast Food Vol 1 The Basics
– Fast Food Vol 2 Burgers & Fries
– Forks Over Knives
– Processed People
Immersions and Programs
– The McDougall 3, 5 & 10 Day Programs
– Dr Esselstyn – 5-hour intensive counseling seminar at the Cleveland Clinic Wellness Institute
– Farms To Forks Weekend Immersions
Online Course
– E Cornel Plant Based Nutrition Course
Additional Material
John Abramson MD
– Overdosed America
Gilbert H. Welch MD
– Should I be tested for Cancer?
– Overdiagnosed: Making People Sick in the Pursuit of Health
– Know Your Chances: Understanding Health Statistics
Nortin Hadler MD
– Worried Sick: A Prescription for Health in an Overtreated America,
Thursday, August 2, 2012


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Close your eyes and picture a fresh-veggie snack. What did you see? Celery? Carrots? Maybe some broccoli florets and cherry tomatoes? It's time to branch out! Here are some unexpected veggies that ROCK eaten raw, plus a fantastic new dip recipe...
PER SERVING (4 oz., about 1 cup sliced): 43 calories, <0.5g fat, 5mg sodium, 10g carbs, 5.5g fiber, 2g sugars, 0.5g protein -- PointsPlus® value 0* If you've never tried jicama before, DO IT, and do it now. It tastes amazing -- kind of like a mild crispy apple. The jicama itself looks sort of like a big round potato with a taproot, but don't be put off by its less-than-attractive exterior. Just peel it and cut it into sticks -- great dipped in salsa or chomped on solo. Crunchy!
PER SERVING (4 oz., about 1 cup sliced): 18 calories, <0.5g fat, 11mg sodium, 4g carbs, 1g fiber, 2g sugars, 1.5g protein -- PointsPlus® value 0* No need to cook these veggies if you need a snack. They're delicious raw, and you don't even have to peel them. (Just wash 'em well and hack off the ends!) Cut your squash into spears or slices (like you'd do with a cucumber), and you're ready to go! Smear on some low-fat hummus (courtesy of yours truly)... YUM!
PER SERVING (4 oz., about 1 cup sliced): 18 calories, <0.5g fat, 44mg sodium, 4g carbs, 1.5g fiber, 2.5g sugars, 0.5g protein -- PointsPlus® value 0* If most raw veggies are a little dull for your taste buds, the crunchy zing of radishes could be exactly what you need. If your radishes are on the small side, serve them whole -- leave on a bit of the green end to use as a handle! If they're large, cut 'em into quarters... or coins... or roses, if you're feeling fancy. Your call.
PER SERVING (4 oz., about 1 medium pepper): 29 calories, <0.5g fat, 2mg sodium, 7g carbs, 2g fiber, 4g sugars, 1g protein -- PointsPlus® value 0* Alright, these aren't TOO unconventional, but they sure beat the heck out of celery sticks. Look for sweet yellow and orange bell peppers in addition to red and green. One of the best ways to snack on bells? Cut them into short chunks -- ideal for scooping! Serve with salsa or HG's Holy Moly Guacamole for a chips-n-dip-like snack!
PER SERVING (4 oz., about 1 1/2 cups sliced): 25 calories, <0.5g fat, 6mg sodium, 4.5g carbs, 1g fiber, 2g sugars, 3g protein -- PointsPlus® value 0* Some people don't dig the slightly spongy texture of raw mushrooms, but we kind of enjoy it. And the flavor of mushrooms is nice and mellow, so it works well with nearly any type of dip. If you want to dress your mushrooms up a bit, you can toss 'em with a bit of light vinaigrette -- then spear them with toothpicks for serving... unless you enjoy having your hands smell like salad dressing, that is.
PER SERVING (4 oz., about 1 cup): 35 calories, <0.5g fat, 7mg sodium, 8g carbs, 4g fiber, 1.5g sugars, 2g protein -- PointsPlus® value 0*
Snap peas are sweeter, but regular string beans are still super-tasty. Look for ones that are nice and firm. Then trim the ends before you chow down. SO GOOD. And if you see a bagged mix of the green and yellow beans, grab it -- yellow beans rock too! Our dip of choice for these? This stuff!
Veggied-Up Veggie Dip
PER SERVING (1/8th of recipe, about 1/4 cup): 42 calories, <0.5g fat, 322mg sodium, 6g carbs, 0.5g fiber, 2.5g sugars, 3.5g protein -- PointsPlus® value 1*
That's right -- it's a dip that's full OF veggies and tastes good ON veggies! (Full disclosure: It's also good on pretzels, light bagels, and more.)
1 cup fat-free plain Greek yogurt (like the kind by Fage or Chobani)
1/4 cup fat-free mayonnaise
Half a 1-oz. packet (about 3 tbsp.) dry veggie soup mix
One 10-oz. package frozen chopped spinach, thawed and squeezed dry
1/2 cup roasted red peppers packed in water, drained and chopped
1 tbsp. dried minced onions
In a medium bowl, combine yogurt, mayo, and soup mix. Stir well.
Add remaining ingredients and mix until uniform.
Refrigerate for at least 2 hours, to allow soup mix to rehydrate and flavors to develop. (It's even better chilled overnight.) SO EASY!
Who doesn't need more veggies in their life? Click "Send to a Friend" to pass the vegetables!
Happy National Fresh Fruit and Vegetable Month! We've got your veggies covered here in this email. For a fruit salad to balance things out, try our Ginormous Fruit Salad Surprise or Creamy Dreamy Fruit Fandango!
SmartPoints® value not what you expected? Click here for more info on how the values are calculated, plus more FAQs about PointsPlus® and SmartPoints® values on our website.


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Portland (cities, United States)
Portland:1 City (1990 pop. 64,358), seat of Cumberland co., SW Maine, situated on a small peninsula and adjacent land, with a large, deepwater harbor on Casco Bay; settled c.1632, set off from Falmouth and inc. 1786. The largest city in Maine, it (together with neighboring South Portland) is a port of entry, the commercial center of the state, and the rail, highway, shipping, and processing center for a vast farming, lumbering, and resort area. The Port of Portland is a major receiving port for goods destined for Montreal. Portland has shipyards, canneries (especially for fish), printing and publishing firms, foundries, and important lumbering, paper-milling, computer-chip, fishing, chemical, and textile industries. There is an international airport (located in both Portland and South Portland) and ferry service to Yarmouth, N.S. The Univ. of Southern Maine and the Westbrook College campus of the Univ. of New England are in the city, as are numerous museums and a planetarium. The restored Old Port district is a tourist center.
George Cleeve settled in what is now the Portland area to trade c.1632. His post grew in importance, and the settlement known as Falmouth developed; in the late 17th cent. it became a commercial center. It was almost completely destroyed by the British in 1775. Maine's first newspaper, the Falmouth Gazette, was issued in Portland in 1785, and the old lighthouse, established in 1791, is still in use. The city served as state capital from 1820 to 1832. In 1866 a great fire destroyed much of Portland. Henry Wadsworth Longfellow (whose house is a landmark) and Robert E. Peary lived here.
2 City (1990 pop. 437,319), seat of Multnomah co., NW Oreg., on the Willamette River near its junction with the Columbia; inc. 1851. The state's largest city, it is a port of entry, a leading financial and industrial center, and an important deepwater port, with shipyards and international trade. Manufactures include lumber, wood products, paper, metals, machinery, computer hardware and software, food items, textiles, clothing, and furniture. Near the city are an international airport and a U.S. air force base.
Portland is the seat of Concordia Univ., Lewis and Clark College, the Oregon Health & Science Univ., Portland State Univ., Reed College, the Univ. of Portland, Warner Pacific College, and several theological schools. Portland has museums of art, science and industry, and advertising, a planetarium, a forestry center, a zoo, Japanese and classical Chinese gardens, a symphony orchestra, and a ballet company. The state historical society is there, and the city's rose festival is an important annual event. The city is home to the Trail Blazers (National Basketball Association). The area is noted for its beautiful scenery, and the Columbia River Gorge, Mt. Hood, and Mt. St. Helens are nearby.
Founded in 1845, it was named for Portland, Maine. Its growth was rapid after 1850, when it served as a supply point for the California gold fields, and continued with the coming of the railroad (1883), the Alaska gold rush (1897–1900), and the Lewis and Clark Centennial Exposition (1905). Unlike many growing western U.S. cities, Portland sharply resisted urban sprawl by drawing a line around the metropolitan area and preserving open space outside it.
See C. Abbott, Portland: Planning, Politics, and Growth in a 20th-Century City (1983).


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- Ultralight MDF moulding (this is what we used - CHEAP) customized to your own measurements or an open stock frame will work fine too
- Peg Board
- Fabric (enough to cover your board)
- Peg Board Hooks and baskets found in the hardware section of your lumber company
- Screen Clips
- Staple Gun
- Craft Knife
Friday, January 6, 2012
A Closet Organizer for Him
47 comments:
Became a recent follower! This looks so great! Motivates me to do this for my husband... and then I realize that he will probably still keep things on the floor. :) Great work! Would love for you to stop by my blog @ toddlindsey.comReplyDelete
This is great. My husband is very particular about his closet so when we finally finish renovating the master bedroom he will be getting one of these.ReplyDelete
What a great idea! My husband needs one!!ReplyDelete
Wow!!! I am so bookmarking this! My poor husband has all of his ties and "accessories" stuffed in the back of the closet right now. Great idea and wonderful tutorial! I found you at TT&J's link party!ReplyDelete
This is brilliant, I'm sooo impressed!!!ReplyDelete
This is awesome! What hubby wouldn't love one of them. Thanks for stopping by my blog. =)ReplyDelete
Wow! Such a great idea! Everything is so organized! I love it! You did such a great job! Thank you for sharing!ReplyDelete
Wow that is soooo awesome!!! That sure beats, "hunny, wake up...do you know where my blue striped tie is?" Are you going to be adding a Feedblitz email subscriber thing? I would love to see you in my email =) Thanks for sharing a great idea!!!!ReplyDelete
Absolutely BRILLIANT!ReplyDelete
OMG! I love it! My hubs need this in our closet. You have inspired me to get onto this project right away.ReplyDelete
oh my gosh, that's fabulous! i'm sure he loves it (what's not to love!) the black and blue sock separating is key-my boyfriend gets ready in the morning while i'm still sleeping, so he goes back and forth to the other room with the light on to see the color of things! i'm sure he'd like this better.ReplyDelete
I love that it came out so gorgeous I love the look of it.ReplyDelete
You need to make these & sell them! Would sell like hot cakes! Great idea. Love.ReplyDelete
This is great! I've featured it at Grits and Giggles. Come grab a featured button!ReplyDelete
what a great idea...hubby needs to make himself one of these ...;)ReplyDelete
love it! You're so talented! I'm actually working on two picture frame projects. So many ideas and not enough time.ReplyDelete
CLEVER! You have been featured on COM. xo, jenReplyDelete
This comment has been removed by the author.ReplyDelete
Hi! I pinned this on Pinterest, posted on fb, and featured at Creative DIYers Club. Please feel free to grab the feature button.ReplyDelete
You've been featured!ReplyDelete
Thanks for joining the party! Hope to see you again, this Thursday.
Congrats on your feature! I love this project. It made my heart go pitter-patter with all the color coordinating!ReplyDelete
I got a kick out of the black sock basket and the blue sock basket-are all men color blind-everymorning I get asked "Is this black or blue?"ReplyDelete
My hubby is super organized, so I don't need this for him. BUT, this will be PERFECT for my boys...their ties and hats are everywhere and they can never find their belts.ReplyDelete
I love this! Your frame is beautiful! I do have one question though. What did you use to join the corners of the frame together and where can I find them? The metal rectangular thingy?ReplyDelete
Thank you so much!
Ana Rodriguez
Love this! I found it linked on Pinterest- Could you post a picture of where you have it hanging in your bedroom/home? I would love to see how it looks in the overall space.ReplyDelete
Beautiful! Thanks so much for the inspiration, this is exactly what I have been looking for.ReplyDelete
Great idea! I was browsing ideas on pintrest to organize my belts, I am going to have to do this! Thank u so much for sharing and your blog looks great! I am new to blogging, please feel free to visit my new blog! :) i-heart-vintage.blogspot.comReplyDelete
Thank you for sharing this. This is just incredible. Well I guess my wife will be so glad if I made one or more closets Bergen for her. She really has lots of stuffs and is very particular about her close but I guess she will really love this project. Thank you for the idea and for the steps.ReplyDelete
What a great idea! I found this pinned on Pinterest and I was so happy to see your detailed how-to photos, thank you! Off to get organized....ReplyDelete
I just became a follower. Great idea and nicely done!ReplyDelete
Hi! I love this! I have question, where did you hang this? In the closet or on the wall? I believe I read you hung this on the wall but I wanted to make sure. Thanks,ReplyDelete
Very nice and helpful information has been given in this post. I like the way you explain the things. Keep posting. Thanks!ReplyDelete
Closet Organizer
Can you design one for women? This is fantastic!ReplyDelete
These are beautiful! Lovely finished look with the fabric back, less hectic look than peg board with all the holes showing. You make clever organizing functional and beautiful. I just found your site and am delighted! The directions and pictures are awesome....can your Mom and Dad come visit me in Calif?????? :) short list ...really :)ReplyDelete
Online shopping pegboard hardware workshop your home and garage automotive tool storage Provide buy peghooks-pegboardhooks.com . it can be helpful to you for Pegboard hardware ,according to your requirementReplyDelete
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I freakin' love this..exactly what my hubby needs and I think I will try & make it for his birthday next month. AWESOME...thanks so much for sharing!ReplyDelete
PS--glad I'm not the only one that has to clean up dry-cleaner tags from shirts...all over my floor and drives me nuts..luv the container for them ;)ReplyDelete
could you tell me the dimensions you used for this?ReplyDelete
this is amazing! ... great job!ReplyDelete
Would you consider making and selling these? I am not handy at all and find this to be the perfect solution. There is nothing like this out there!ReplyDelete
- AnonymousJune 11, 2015 at 2:00 AM
There are many ways to go about organizing your closet. Different methods make more sense depending on your space and what you're storing. No matter which method you choose, these closet storage solutions definitely helps you to reduce the space usage. Once again great post man! Cheers!ReplyDelete
A Perfect Closet & Cabinets offers a full line of cabinetry and built-in furniture ... Sanford, Orlando, Mt. Dora, Clermont, The Villages and surrounding areas closet organization systems Orlando.ReplyDelete
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text:
What do you get when you mix fractals, 3D printers, robotics, open source, high-powered lasers, and non-orientable surfaces with wood, plastic, textiles, steel, cloth… and lots of coffee? A completely new range of geek fabricated items and appliances. It's hacking in real life.
In the past, techy projects like rapid prototyping, hobbyist robotics, and do-it-yourself crafting have been difficult to break into without access to specialized equipment, skills, and knowledge. However, recently, affordable and easily accessible technologies combined with a surge of hackerspace availability have brought such avocations into the hands of common geeks everywhere.
Geek projects are significantly easier with the help of high-tech tools and a community for collaboration, suggestions, and ideas. For example, creating a quilt based on the fractal Sierpinski carpet pattern is much easier when a laser is used to cut the fabric squares, and RepRaps can print parts and items that would be difficult to find otherwise, like custom fittings and 3D geometrical models. The abundance of free and open source plans, software, and hardware lowers the resource barrier so that people without tons of money and years of engineering experience can experiment and create.
Hackerspaces are great places to find the tools, information, and people you need for your projects, and they're popping up like DHTML windows lately!
This talk will cover
Mary Jane (or mj) is a computer security consultant responsible for data analytics and anti-fraud strategies at Casaba Security. She has a background in programming, consulting, and statistics with experience in the security space. Mary Jane is active in tech community events, founding the Seattle chapter of Girls In Tech, organizing the 2007 Northwest Security Symposium, volunteering in educational security events, and participating in local tech meetups. She also loves working on robotics and geek art.
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Nice to see some art- and physical media-based presentations at OSCON. Would like to see more.
Informative and entertaining!
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text:
Welcome Back
Today I'd like to share a couple of very different photos with you. On friday I shared a tutorial with you for how to create this first one.
I liked the effect so much I decided to make a tied cover for my loose sketches. I bound some mat board, embossed some cardstock and made the error of trying to copy what I'd done before. For my mixed media art, it tends to be much more organic, more a case of throw things on the paper and see if I like the results. I'm still very new to acrylic paints, so although I'm used to creating texture and aged effects with ink, it's all very new with paint. So far I've been replicating the techniques I use with inks with paint, following my nose you might say. It's all very experimental, which is fun but often unpredictable.
It doesn't always go to plan though, when I have a plan, an agenda I have a tendency to 'try' rather than just letting things happen. On this new piece, I put too much texture paste on, and lost some of the embossing detail, then over did some of the colours and didn't have the skills to hide or alter it. Refusing to give up and having recently learnt the power of a unifying wash (see my dark wood book & video) I decided to put a wash of colour over the whole piece and 'save it'. It was going fine, until I tried adding some gold to try to lift the colour a bit, then didn't like it and 'tried' to scrub it off BUT the blue wash wasn't totally dry and I lost the last of the white background and it looks dark again 😦
The card was saying 'Just let me be, stop 'helping'! so I did and this is what I have
I didn't love it, but I didn't hate it either. Sometimes when you are working on the edge of your comfort zone and things go a bit off plan, you have to just put them away for a few days, and look at them again. Or just leave them on your desk and see how they look in different lights. I couldn't decide if I had made mud or a master piece. OK a master piece is a bit optimistic, but it was a new level of layers and grunge and it was kinda good but new!
I let the piece dry, then had it sitting on the desk next to me. In the morning sun the blues really shine, later in the lower light of the afternoon the colour changes and the browns come out. I think I like it, I like things that you find new things each time you look at it. I have toyed with adding more metallic or white areas to lift the piece, but I think its time to let it be 🙂 I can make another, another day and change the colours and patterns and I'll get a totally new piece. I like art that takes you on a bit of a journey, when a piece shows you more the more time you spend with it, rather than a bright brash piece that is in your face. Personal taste and all that.
Mud or Masterpiece?
How about you, what do you do when you get a Mud or Masterpiece moment? Do you battle on and keep 'bothering' it till it looks the way you hoped? Or accept whats there and start a new piece with what the first one taught you.
Each book I bind teaches me something, that I need to cut more thread next time, how to join extra thread so I can finish a project, how to measure how much thread a book took to make so I'll know next time. Instead of seeing things that go 'off route' as failures I try to see them as the projects teaching me things, that will help me for next time. Its only failed if you give up and never create again.
Would love to hear what you do when faced with a mud or master piece moment, do leave me a comment and let me know. I still prefer the clean design at the top as the texture is easier to see, but I love the depth and tone with the second one. What do you think?
Best wishes and thanks for reading, see you soon
Billie 🙂


text:
Hmmm. MacOS X 10.2 rocks. Only 2 problems:
- The machine I have to play with it is too slow.
- It's not mine, and I dont get to keep it.
Oh, And it's not Debian. :)
So, I havent looked at and/or posted on Advogato for eons. I look back at my first few diary entries and shudder. How Naive was I? Wow, over 2 years.. Anyway, I guess it shows that something as innovative and original as Advogato is a winner.
If anyone has played with/installed/administered Remedy ARS, please let me know where I can contact the support group. No, not the Remedy Support group, the People-who-are-scarred-for-life-from-ARS support group. What an absolutely HIDEOUS piece of software. Oracle underneath doesnt help much either.
Up late tonight, performing some long needed OS patching on a few core Solaris and Tru64 machines. Fun, Fun. I'd better go download the patches soon.
daniels: I'm surprised that squid(?) on the proxy doesnt use LDAP auth.. *shrug*


text:
Amr Moussa, the secretary-general of the Arab League, has called for a no-fly zone over Libya, and has said the bloc wants a role in imposing it.
The comments comes as the organisation meets in the Egyptian capital Cairo on Friday for talks on the ongoing crisis.
"I do not know how nor who will impose this zone, that remains to be seen. The Arab League can also play a role, that is what I will recommend," Mussa said in an interview with a German magazine.
"I am talking about a humanitarian action. It consists, with a no-fly zone, of supporting the Libyan people in their fight for freedom against a regime that is more and more disdainful."
Support from the West for a no-fly zone appears to hinge on the outcome of the meeting as consensus is sought for such an action.
"The European Union and the [UN] Security Council are not going to do anything unless they get support from the Arab League," Qatar University's Youcef Bouandel told Al Jazeera.
via Libya tops Arab League agenda – Africa – Al Jazeera English.
Please, please Arab League…agree to a no-fly zone.
The Gulf Cooperation Council, with Saudi Arabia a key member, has already agreed that Gaddafi's government is illegitimate and support's a no-fly zone. If Saudi Arabia can convince Egypt to join in, then two of the best equipped air forces in the Arab/North African world could ground Gaddafi's fearsome air-force.
The Arab community must be the one to front and support any foreign intervention in Libya, or else the neocolonial arguments will just fracture the country more and send waving nationalists over to Gaddafi's side.


text:
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text: Australia's Ben Hilfenhaus made an important breakthrough for Australia when he had captain Graeme Smith out in the first over for a duck [Reuters]A fired-up Australia attack skittled South Africa's top order late on the fourth day to march to the brink of victory in the second Test on Sunday. Set a mammoth target of 430 for victory, the tourists' chase began disastrously, captain Graeme Smith out for a duck with the sixth ball of the innings and three more wickets tumbling quickly in the afternoon heat at Adelaide Oval. Wicketkeeper batsman AB de Villiers and Faf du Plessis dug in for more than an hour and a half, but South Africa staggered to 77-4 at the close, 353 runs adrift of their target. De Villiers was on 12 and Du Plessis on 19, with injured Jacques Kallis the last specialist batsman in the Proteas' dressing room. Draw likely South Africa assistant coach Russell Domingo conceded a draw was the best they could hope for. Fourth day scorecard Australia first innings 550 South Africa first innings 388Australia second innings (o'night 111-5)D Warner c du Plessis b Kleinveldt 41 E Cowan b Kleinveldt 29 R Quiney c de Villiers b Kleinveldt 0R Ponting b Steyn 16 M Clarke lbw Steyn 38P Siddle c de Villiers b Morkel 1M Hussey c Steyn b Morkel 54M Wade c De Villiers b Morkel 18J Pattinson not out 29B Hilfenhaus not out 18Extras 23 Total (for 8 wickets decl, 70 overs) 267 Fall of wickets: 1-77 2-77 3-91 4-98 5-103 6-173 7-206 8-220South Africa second inningsG Smith c Ponting b Hilfenhaus 0 A Petersen b Siddle 24 H Amla c Clarke b Lyon 17J Rudolph c Cowan b Lyon 3AB De Villiers not out 11F Du Plessis not out 18 Extras: 2Total (for four wickets, 50 overs) 77Fall of wickets: 1-3 2-36 3-45 4-45 "Definitely, yeah ... We know that 370 on the last day, four wickets down is probably out of the window," he told reporters. "The target is far away, but they're still out there. "There's every possibility that something special could happen, so there's an opportunity for someone to make a major play for his country." South Africa's hopes may again rest on all-rounder Kallis, who battled a hamstring strain to score a half-century in the first innings and help the tourists avoid the follow-on. With Smith and number three Hashim Amla out before tea, Jacques Rudolph and opener Alviro Petersen resumed at 40-2 but their partnership lasted only five more runs before spinner Nathan Lyon claimed his second wicket of the innings. Lyon, who two years ago worked as a groundsman at Adelaide Oval, had Rudolph poke the ball to Ed Cowan, who lunged low and to his left to take a sharp catch at short leg. Out for three, Rudolph's dismissal was his fourth at the hands of the 25-year-old offspinner from four innings in the series. Petersen's celebrations for his 32nd birthday were tempered an over later, when he was out for 24, dragging a delivery from fellow birthday boy Peter Siddle onto his stumps to leave his team reeling at 45-4. "Obviously I guess I can have a bit of a happier one than him tonight, so that's always nice," Siddle told reporters. Slow rate Charged with steering South Africa to safety, De Villiers and Du Plessis slowed their scoring to a crawl, with all thought of victory banished. The pair added only 10 runs in little more than an hour after the last session's drinks break, with every score drawing ironic cheers from sections of the crowd of 16,000. Any wafer-thin South African hopes may lie with the Australians running out of steam on the final day, with paceman James Pattinson ruled out for the rest of the series with a rib injury and Australia's bowlers forced to shoulder a greater workload. "Obviously we're in a good position but there's still a lot of work tomorrow morning to be done," said Siddle. "I think if we can stick to the same stuff we did this afternoon we can finish on a good note. "We'll keep charging in tomorrow, keep banging that wicket and we'll keep having a crack at getting those six wickets." Pattinson's injury soured a dominant day for the hosts, who resumed on 111-5 and declared after lunch at 267-8 following a feisty ninth-wicket stand of 47 from the bowler and Ben Hilfenhaus. Smith, who anchored the tourists' first innings with a defiant century, was out for a duck when he sent a thick edge to Ricky Ponting at second slip. Amla and Petersen added 33 runs for the second wicket before Lyon struck to remove the number three for 17 off 36 balls, caught behind by Australia captain Michael Clarke at slip. South Africa had torn through Australia's batsmen with five wickets after tea on the day three, but their faint hopes dimmed when Clarke and Hussey dug in for 62 runs in the morning. Clarke, on a pair of double-centuries, was eventually trapped in front by Dale Steyn for 38, while Hussey added a 54 to his first innings 103 before he skied a simple catch to the paceman just before lunch. Following the drawn first Test in Brisbane, South Africa could lose their top Test ranking if they lose the series, with the final match starting in Perth on Saturday. SOURCE: Reuters Sport Cricket


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The symbol of elegance and femininity, boots are the undisputable protagonists of the Liu Jo shoes collection that features soft and trendy designs. To be worn with short dresses, the popular high-heeled over-the-knee boots will enhance your appearance. The comfortable and glamorous booties are a passe-partout for your daily outfits. Booties in matt or patent leather and soft suede are expression of elegance and femininity. They perfectly match with all pieces from the Liu Jo womenswear collection.
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Posted by R. Berg on February 06, 2003
In Reply to: Phrase origin posted by Bob on February 06, 2003
: : : : I know what "ass end over a tea kettle" means, but can anyone tell me its origin?
: : : To me it's most likely just one of those made up sayings developed in a misguided way in an attempt to shock or be really 'cool', as the modern vernacular has it. Not so long ago that would have read 'to be really with it'. All examples of ephemeral catch phrases. I await correction.
: : I'd heard it as "tail over tea kettle". I'm guessing that this was the original British version and was vulgarized when it came to the US. But why is it "tea kettle"?
: Many variations exist. I've heard a number of them, including "ass over tin cups," and the well-worn "head over heels." It would be easy enough to adapt for any purpose: just invent new variations: "buns over briefcase," for instance.
I have nothing to say about this phrase. I'm posting only to tack a more specific title than "Phrase origin" on the discussion. That way I'll know not to recheck it tomorrow thinking it might be something I missed.
- Arse over t i t s Lewis 02/07/03


text:
Need for Speed Rivals: Complete Edition (pc game)
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There are 2 shops proposing this game for download at an average price of $ 24.99. We found the best promotion ongoing with a discount of 50%.
There is 1 classic boxed game available for sale. Check shipping price and condition directly on shop page.


text:
Train Zurich → Prague
Duration 14h49 - From שח134
- Departure station : Zuerich hb (Bahnhofplatz 7 8001 Zurich)
- Arrival station : Praha hlavni nadr (Wilsonova 120 00 Prague)
Zurich, an elegant Swiss metropolis
Zürich, the largest city of Switzerland Zürich is a major financial centre and one of the most preferred Swiss destinations. In 2012, it was voted as the best city to live in Europe. It is an elegant metropolis on the lake bearing its name, with views over the snow-covered Alps, home to over 50 museums, 100 galleries, top hotels, shops and restaurants. Obviously it has to be Zürich! With its excellent public transport connections, this prime Swiss destination is ideal for excursions to the rest of the country. 5 days there, and you will get to know all about Zürich and neighbouring towns. Learn more about Zurich
Have a Pra-ha moment in the city of spires
Prague, the capital of Czech Republic Prague is the most important city and the capital of Czech Republic. The city has a mysterious feel where the past is mixed with modernity. Prague has been host to several artists and important personalities such as Arcimboldo, Mozart, Copernicus, Galileo, and Tycho de Brahe. A walk in the city will allow you to feel the magic of its past. Discover the city's monuments, museums, galleries and other landmarks. For fabulous views over Prague, climb up to the monk's vineyards near the fabulous St Vitus Cathedral. While here visit the unique Toy Museum and you'll see the relics and playthings which previous generations enjoyed. Learn more about Prague
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Bunny Ears OverviewBunny EarsBe the envy of your peers. Pick up some blinking bunny ears. Soon its going to be a habit to wear our flashing ears of a rabbit. To buy some is the right decision, but they won't tune your television.Height: Approx. 11.0 in. , 27.94 cm. Width: Approx. 11.0 in. , 27.94 cm. LED Colors: 2 Blue, 2 Jade, 2 Red Batteries: Batteries for this item are NOT replaceable.Disclaimer: This product is not suitable for children under 5 years of age.
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text:
DGS Publications
|Publication Date
|OFR51 Groundwater Monitoring Procedures Part 1: Equipment and Procedures for Manual and Automated Field Measurement of Groundwater Levels in Dedicated Monitoring Wells
|Andres, A.S., He, C., McKenna, T.E.
|RI81 Characterization of Tidal Wetland Inundation in the Murderkill Estuary
|McKenna, T.E.
|B21A Evaluation of Wastewater Treatment Options Used in Rapid Infiltration Basin Systems (RIBS)
|Türkmen, M., Walther, E.F., Andres, A.S., Chirnside, A.E.M., Ritter, W.F.
|OFR47 Digital Watershed and Bay Boundaries for Rehoboth Bay, Indian River Bay, and Indian River
|McKenna, T.E., Andres, A.S., Lepp, K.P.


text:
Proposed Partial Master Fee Schedule Update June 2020
Adopted Administrative Rulings regarding Utility User Tax
State and federal surcharges are subject to the City of Richmond's Utility User Tax.
Revenue Measure Polling Report
Godbe Research was commissioned to conduct a survey to assess potential voter support for a bond measure within the City of Richmond. The survey was also designed to:
(a) gauge satisfaction with City services and financial management of public funds
(b) identify the tax type and amount at which voters will support the measure
(c) prioritize projects and programs to be funded with the proceeds
(d) test the influence of supporting and opposing arguments on potential voter support


text:
Can long-term care annuities supplement or expand the LTC portion of your practice? LTC insurance is a powerful wealth preserver for individuals who qualify and families that can afford it, but despite its value, LTC insurance can be a tough sell.
Insurability issues can put LTC insurance out of reach for clients with health problems, and resistance to paying for an insurance product that may never pay off may keep your clients away from the table.
Enter LTC annuities—also referred to as hybrid annuities. As the name implies, the product functions like a deferred annuity, but offers an increased payout, typically equal to 200 or 300 percent of the face value of the annuity, if the annuitant needs LTC. Payments may continue for a fixed period, or, if an optional rider is purchased, payments for LTC can continue for the rest of the annuitant's life. LTC annuities are purchased as are any deferred annuity, usually with a lump-sum premium of at least $50,000.
As more carriers pull back from the LTC insurance market, decreasing competition and increasing rates, the availability of these annuities are a boon for advisors and clients who seek more LTC options. They are especially valuable for those who understand the value of LTC planning, yet may be unable to qualify for LTC insurance because of health problems or age.
The underwriting for LTC annuities often is far less stringent than for LTC insurance, opening the product to a broader range of clients. The application for a LTC annuity may ask whether the applicant has been diagnosed with cancer or another serious disease. But beware that it may take some shopping around to find the right product, because underwriting standards differ from carrier to carrier, and may even diverge between products.
LTC annuities also may be the perfect antidote for clients who qualify for LTC insurance but don't like the idea of paying into a policy that may never pay a benefit and won't leave anything for their beneficiaries. One key selling point of LTC annuities over their insurance cousins is that, unlike most LTC insurance, if the annuitant doesn't need LTC, the annuity will grow in value and pass to the annuitant's beneficiaries.
For clients who don't want to commit significant capital to a product that leaves nothing for their beneficiaries, LTC annuities offer a generous death benefit equal to the accumulated value of the annuity. Or, if the annuitant requires LTC, the amount of the premium paid into the annuity, less the LTC benefit paid during the annuitant's life.
One disadvantage of LTC annuities over traditional annuities is that their payout can be significantly smaller. But LTC annuities have a tremendous tax advantage over standard deferred annuities. The Pension Protection Act of 2006 changed the taxation of LTC products, and as of 2010, payments received from a LTC annuity will not be taxed if they are used to pay for LTC expenses. Considering the income tax savings of an LTC annuity, the lower crediting rate starts to look a lot more enticing.
For couples, there's a relatively new option in LTC planning, joint LTC annuities. Certified LTC specialist Randy Gallas, of the long-term Care Insurance Agency, says that "a joint annuity can be a great way to leverage dollars allocated by a couple for LTC expenses." Joint LTC annuities allow both spouses to pay LTC expenses from this product.
For example, using one carrier's illustrations, a couple that wants to self-insure their LTC risk can exchange an existing annuity (1035 exchange) for a hybrid LTC annuity that will pay long-term care expenses tax free.
For instance, a 65-year-old couple that repositions $200,000 from an existing non-qualified annuity can leverage over $500,000 of long-term care benefits. If both spouses pass away and neither uses the hybrid annuity, their beneficiaries or estate can receive all or most of the original investment (age dependent) back.
"For those planning to self-insure, why not do that with a product that can give them their principal back?" asks Gallas. Currently, only a small number of carriers offer joint LTC annuities.
LTC annuities can supplement your book of business by overcoming resistance to other LTC products and giving otherwise uninsurable clients the LTC protection they need. Here are some key points to remember:
Payments received from a hybrid annuity for LTC expenses are received tax free.
A 1035 exchange is a great way to move funds from a standard deferred annuity to an LTC annuity if the standard annuity isn't needed for retirement income purposes.
On average, men don't need LTC as often as women. Consider a joint LTC annuity for couples.
Unlike LTC insurance, LTC annuities offer a death benefit for loved ones. The benefit will be much higher if the annuitant does not use the contract's LTC benefit.
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text:
The surgeons, pediatric nephrologists and other caregivers in Children's Hospital of Georgia Kidney Transplant Program in Augusta, Georgia have given scores of children with end stage renal disease a new lease on life since the program was founded in 1969.
Working closely with pediatric nephrologists, caregivers guide children with end stage renal disease through transplantation and help them return to normal lives as quickly as possible. Care is delivered in a child-friendly environment.
The program has a 100% success rate, defined as transplanted kidney survival and function at both the one-year and three-year marks over the last six years as reported by the Scientific Registry of Transplant Recipients.
Request an online appointment now or call 706-721-KIDS (5437) or toll free at 888-721-KIDS (5437) to speak to a member of our pediatric kidney transplant team.
For more information, view Pediatric Transplant Program Questions and Answers.


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"Big" premiere takes place Feb. 10 and runs through May 25. 'Dream Big' narrated by Academy Award winner Jeff Bridges is the first film for giant-screen theatres to answer the call of the STEM (Science, Technology, Engineering, Math) initiative.
Film offers a fresh perspective on engineering and aims to inspire kids of diverse backgrounds to work towards improving the lives of our entire planet throughout the 21st century.
Visit http://www.memphismuseums.org for more information.


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Las Vegas the tourist mecca of the World is set to begin development of the World's first vertical farm. The $200 million dollar project is designed to be a functional and profitable working farm growing enough food to feed 72,000 people for a year and provide another tourist attraction to the city that does everything in a larger than life way.
The World currently uses about 80% of the available farm land and 60% of the earth's population lives near or in an urban environment so the logical choice for farming is to go up for land where the environment can be controlled and where distribution is local. Las Vegas is seen as the perfect location for this project by Nevada State officials who would like to demonstrate their sustainability and environmental awareness instead of projecting an image of waste and excess.
Although the project initial cost is high at $200 million, with annual revenue of $25 million from produce and another $15 million from tourists the 30 story vertical farm would be about as profitable as a casino with operating expenses only being about $6 million a year.
There would be about 100 different crops grown ranging from strawberries to lettuce even miniature banana trees could be grown from each floors specially controlled environment. The products would go straight to the casinos and hotel properties and be a very visible and desirable addition to the overall Las Vegas experience. Design details should be worked out in 2008 and the project could open its doors by the middle of 2010.
Tags: building, ENVIRONMENT, farm, las vegas


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Sheeesh, Trees For Days: Wake & Bake Tour Pt. 2 With Wiz Khalifa & Berner! (Choking Up On Some Smoke)[Fixed]
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Ty Smith and Brian Griffey
Tuesday, May 14, 2013 from 8:00 PM to 10:00 PM (PDT)
Event Details
What the... Meat?
Meatup is a dinner for Android developers and designers held during Google I/O. Come eat, drink and be merry with your favorite Android dev. Tickets are on sale now! For more info or questions, check out @meatupio or +Meatup.IO. If you would like to sponsor the event, contact @tylersmithnet or @briangriffey. Visit us at Meatup.IO for more info.
Meatup will be hosted at Espetus Churrascaria Brazilian Steak House in San Francisco on May 14th, 2013 at 8:00pm. The event will be cocktail style to encourage networking. An assortment of Brazilian Tapas, grilled meats, and bar options will be available. Vegetarian options will be available.
When & Where
Espetus Churrascaria Brazilian Steak House
1686 Market St
San Francisco,
Tuesday, May 14, 2013 from 8:00 PM to 10:00 PM (PDT)
Add to my calendar


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If I didn't know this was a trailer for a game coming to iPhone, iPad and Android this fall, I would have complained about how we already have too many modern combat games on consoles. This is just gorgeous.
The Modern Combat gets prettier and prettier with each new installment. Gameloft might be making copies of existing games, but they make damn fine copies. Hopefully I'll have a good mobile gamepad available to me before this hits the app stores.


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When you are already using cloth diapers, adding cloth baby wipes to your system is sensible and practical.
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- Single-layer wipes, our lightest weight diaper wipes, work well when you only need to wipe the baby dry. 100% organic cotton.


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This week DiS welcomed Black Lips' Cole Alexander and Jared Swilley into our meeting room to assess a selection of the week's new single releases. Check out the video for their forthcoming single 'Bad Kids' and their UK tour dates HERE. Over to them, then, for their verdicts on what we had to play them…
Scarlett Johansson – 'Falling Down' (Warner)
Famous acting sort covers Tom Waits by mumbling something over the top of ethereal dream-pop backing drones...
Jared: First, it's totally strange that Scarlett Johansson is doing an album of Tom Waits covers. It's not the most typical of musical ventures, but no doubt it's way better than, say, Steven Segal or Keanu Reeves. I think it's cool – it sounds kinda like Beach House.
Cole: The production is really good.
Jared: And it was already a really good song, so with the production sounding good too…
Cole: I think if she wasn't Scarlett Johansson this would still get attention.
Jared: Her name will sell it though, and those of the others involved. I just think it's a weird thing to do, but it's cool. With the people she's worked with though – Dave Sitek, David Bowie – she has an unfair advantage.
After assessing all the singles…
Cole: I think that this and Lightspeed Champion are my favourites. But I'm not Jared.
Jared: I think the Scarlett Johansson one is my favourite.
Cole: I'm a firm believer that a good producer can make a great record…
Jared: …And she had the best production of all the songs. The Lightspeed Champion one would have been better for me if it wasn't so, so clean. But the Scarlett one was really dreamy, and it was a good song to start with, the Tom Waits original. I don't think this decision has much to do with it being Scarlett Johansson – she's just had the resources at her disposal to make a good record.
Cole: He voice isn't that great but, by the same token, my voice isn't that great. Bob Dylan doesn't have a good voice either, though.
- - -
Attic Lights – 'God' (Island)
Teenage Fanclub-ish jangle indie-pop from Scotland…
Jared: (Turns it off after 40 seconds) Just the vocals here, and the way the guitar's done, it's so…
Cole: It's the industry standard, where the drums have to be mic'ed this certain way.
Jared: It's the kind of music that cowards make.
Cole: I'd reach for their balls if they had any. God would be pissed at them using His name in vain.
Operahouse – 'Diane' (Marrakesh)
By-numbers Razorlight-lite fodder from London…
Jared: Where was its chorus? It had no chorus!
Cole: It's better than Attic Lights, but that's not saying much.
Jared: It's way, way better than Attic Lights!
White Denim – 'Let's Talk About It' (Full Time Hobby)
Scratchy indie-rawk noise pop from across the Atlantic, boisterous fun…
Jared: It didn't offend me, but I wouldn't listen to it in my car.
Cole: I liked the music. There were cool, good drums. We like garage-rock bands who fuck things up a bit, who aren't complete purists. We just got off tour with The Black Keys, and we're not big into them. I like The White Stripes though – they've got a similar thing going on, but it's less wanky blues.
Video: 'Let's Talk About It'
- - -
James Pants – 'We're Through' (Stones Throw)
Slick pop-funk from a stable most associated with hip-hop releases, close in spirit to Chromeo…
Cole: It's alright – people can dance to this in a posh disco. It's for snooty dancers with cocktails. Is this from the UK?
Jared: (Looking at PR blurb) It's from Texas. (MySpace says Washington – Ed)
Cole: This is the last music you expect to come from Texas.
Chromeo – 'Fancy Footwork' (Back Yard)
Essential dancefloor-filler material from Dave 1 and P-Thugg…
Jared: I like it. I've seen them live and they get people dancing. It's not my thing, but it is kinda fun.
Cole: It's certainly danceable.
Jared: I like how they use vocoders, too. And like I said, their live show is really fun.
Video: 'L.E.S. Artistes'
- - -
Santogold – 'L.E.S. Artistes' (Atlantic)
Pristine pop from mate-of-M.I.A. who has ditched the dirt for this chart-climbing single…
Cole: She's got way better songs than this single. I think this is an okay song, but I prefer her more dubby stuff. This reminds me of Yeah Yeah Yeahs, but even more mainstream. I saw her at a party not so long ago, and I think she's already written for some other pop stars. I give this a 50/50.
Jared: I'd like to hear more.
Lightspeed Champion – 'Galaxy Of The Lost' (Domino)
Dev Hynes sings about throwing up in mouths in the company of freaky puppets, as produced in Omaha with the Saddle Creek team…
Cole: I met him at a party once, he was a nice guy. I like this song, it's okay. It's not something I'd listen to much, but you can hear that he's got a good craft to his songwriting. I like the line about throwing up in the girl's mouth, because usually indie like this is too polite. It goes up a notch because of that lyric.
Jared: It's a good song, yeah. We like that one.
Cole: One time in high school, we were playing spin the bottle, and dudes had to kiss too, and we were really drunk and Jared threw up in my mouth.
Jared: I threw up everywhere.
Video: 'Galaxy Of The Lost'
- - -


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"Sometimes we live no particular way but our own"
Stella Blue's Band(Facebook)
Finders Keepers (Facebook)
Thanks Ronster - Singing has never been my string suit - duh. You're right and as much as I try to keep it upermost in my mind - belting it out - I have moments when I trail off. That's one of the reasons I'm doing this. Unless I'm jamming with someone, so much of my time is devoted to everything but playing and singing a tune end to end. I know that probably sounds weird but much time is devoted to scales and approach. It's about time I focus more on the finished product.ronster wrote:Nice job Bill. Not an easy song by any means to sing play and remember. If your looking for comments I'd go with try to keep belting tune out with feeling all the way through. A few moments where you kinda run outa air or not ready for the vocals and it goes a little weak. I would also add more runs between your chord changes to give it more of that Jerry feel. If you want me to tab a few examples I would be happy to. Excellent lead, fit in very well with the tune. Are you playing that in G all the way through are following chord patterns? If you want to tab that out for public consumption I would be grateful. Are you using a webcam with built in mic or do you use a digital camcorder and seperate mic? Looking to get set up and would appreciate any advise on cameras, mic, and editing software.
I knew it was just a matter of time before someone commented on that.shakedown_04092 wrote:Well, it WOULD be a great video, minus that UGLY shirt your wearing!
Thanks steve, I'll check it out.steve wrote:good job bill! i really like the video
everything sounds good. if you end up not tabbing out the solo, hmm, could you say the what you did around the -1:10 part. i really like that riff there.
The sox and their fans are having their place in the sun right now. More power to 'em. They've got a tremendous squad.shakedown_04092 wrote:Haha...I had to, sorry. Great work on the Dire Wolf though. I've always had trouble w/ the Intro to it, and that alone has kept me away from this song, but now that I have you to watch, I'm gonna pick it up. Thanks very much for that!! Not the first time you've inspired me into a song!
And regarding the Yankees....not sure what to make of that team now. I think hiring Girardi was a good move - I don't think Pena or Mattingly were the men for the job. But now - no A-Rod (probably a good thing in the long run for you), and so many other questions - Posada, Rivera, Clemens, Mussina, Damon, Giambi....the team is in shambles, really. But you do have some decent young talent to work around, so not all is lost. As for the Sox, well, 2008 is looky mighty tasty, I'd say. Full line-up rearing to go and prospects knocking on the door. Wonder who we'll get in free agency? Hopefully they'll resign Lowell. I don't want A-Rod on our team. Especially after that incident in '04 when he knocked the ball out of Arroyo's glove. What a queer.
Yes although the site tab doesn't note the chords at the end which are a little different, I think.GratefulPat wrote:bill, is that the chords that are tabbed in the dire wolf section here?


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UK-based security appliance firm Syphan aims to shake up telecoms security from an unlikely base in Skipton, North Yorkshire.
Syphan is developing a range of 10G (Gigabit) deep packet inspection security appliances, capable of allowing telecoms firms and managed security providers to offer functions such as intrusion prevention and firewall functions to their clients as a service. The technology, currently being trialled, provides a platform for cloud security, allowing providers to provide tailoured security policies for different customers. Syphan describes this approach as "multi-tenant security".
Syphan's base in Silicon Dale
The firm was started in 2006 by Pravin Mirchandani, a 20-year networking industry veteran who previously worked with Bay and Nortel in management and technical positions. Mirchandani, who was based in France at the time of starting Syphan, started the business with a grant from Yorkshire Forward, matched with his own personal investment in the start-up.
"I tried other parts of the UK," Mirchandani told El Reg. "The first two engineers were based in Yorkshire but we could potentially have located anywhere. Wales was a strong possibility for a time."
In April 2009, Syphan secured additional investment of £250K each from Partnership Investment Finance and the Yorkshire and Humber Equity Fund, its two original investors. The two regional development funds have invested a combined toal of £1m in Syphan. The firm has yet to secure any funding from commercial venture capitalists, a factor that has impeded its growth.
"Commercial VCs are not interested in anything that smells of technological risk," Mirchandani explained. "They are comfortable with providing finances to grow a business or providing management support. However they are very uncomfortable in getting involved in the early stage of a technology business, especially if it's hardware focused. Until a [hardware] firm has product they [British venture capitalists] won't invest, and even after you have product it's difficult."
Soldering on: Inside Syphan's labs
Despite the funding difficulties Syphan has grown to employ 12 people. Recruitment remains a challenge, especially finding the right engineers who need a combination of skills in security and telecoms equipment development. "It's tough getting that combination, but Yorkshire is no better or worse than elsewhere in the UK," Mirchandani said.
Syphan has supplied the University of Bradford with a test-bed 10G nework. In return the firm gains valuable intelligence from the attempts of research students to "take down" its technology.
Cultural divide
Mirchandani describes US business practices as "more market focused" and "pragmatic" than those in the UK where there's a greater focus on preserving a firm's original vision and the workplace is "more political".
The firm's founder and chief exec reckons Syphan would be a least a year further on in its development if it were located in the US. As things stand the firm's technology is on trial with potential customers, the majority of whom (60 per cent) are located in North America.
Mirchandani describes the firm as being in an advanced pre-revenue stage. Syphan hopes to raise around £2.5m in a B-round of fund-raising from local funds between Q4 this year and Q1 2010.
"European VCs are scared of early stage telecoms equipment firms," Mirchandani explained. "They are more geared to mobile software guys not hardware and much more interested in bio-tech firms. By contrast, US venture capitalists understand and commit to risk. They appreciate that hardware developers have up-front costs."
Nokia in Finland, Alcatel-Lucent in France and Siemens in Germany have all established telecoms equipment businesses and were less affected by the dot-com crash than GEC-Marconi in the UK. Rebuilding the UK's telecoms equipment business ought to involve focusing on research and designer rather than manufacturing, Mirchandani argues.
"Manufacturing is moving east to Asia across the whole information technology industry. But there's still value in design and architecture. There are fewer jobs in this initially but they are sustainable. Europe is not doing as well at this as either the US or Israel."
A mini-cluster of hi-tech businesses in Yorkshire have already created a proto-Silicon Dale, a smaller-scale version of Scotland's more celebrated Silicon Glen. Alongside Syphan there's Pace Technologies, a maker of set-top boxes; Europlus Direct, an advanced hi-speed optical components firm; and Filtronics, which makes military components.
Syphan is targeting the 10G high-end of the market with high-performance kit based around FPGA technology rather than the more mainstream 1G market which is "very crowded".
In the IPS market, Syphan competes with established players including TippingPoint and Sourcefire. Mirchandani describes the DDoS mitigation market as more fragmented and potentially easier to crack.
"We want to create a UK success story in the telecomms sector, based on hardware," Mirchandani explained. "We're developing technology that service providers can make a buck from, which integrates well with their environment." ®