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All of my priestly life I have reflected, taught, and written on the question: What kind of morality and moral theology are needed for the church? My view of the moral quest was always influenced by, and understood within, the larger framework of another fundamental question: What kind of church is needed in our present and future world? Inseparable from these two fundamental queries was a third question: What kind of minister is needed for our church and world?
Because I have been happily and wholeheartedly a priest for 56 years and because, for most of that time, I have taught priests and seminarians, I was morally driven to address the kind of priest Jesus might have envisioned for the church in her mission to embody and proclaim the saving power of God in our world.
In a very real and substantial way, I had to face and undergo major changes in priestly formation over the years at the same time that I was assisting others to do the same. In the process, it was imperative that I rethink the image of priesthood for our times. Thus, as I near the end of my life, it seems appropriate that I attempt to give witness to, and share my life experience with, my priestly peers and future priests, as well as with all Christians who minister to the church and the world.
During the Second Vatican Council, bishops--and their advisors, who were mostly priests--were very much aware that priests expected a clear and meaningful word on their life and ministry in the midst of a changing world and a changing church. Only at the very end, on Dec. 7, 1965, after a period of serious gestational stress, did the council Fathers approve such a decree on the ministry and the life of priests.
Initial Efforts
Earlier in October of 1964, the 17th project on the priesthood was proposed to the general assembly and had received heavy criticism. On behalf of West German bishops, Cardinal Julius Dopfner of Munich offered the most serious objection. The text was judged to be thoroughly outside the historical experience of priests and lay people, reflecting as it did a typical unhistorical (timeless) theology and spirituality. The immediate reaction of the great majority of bishops made it perfectly clear that this was the documents most vulnerable point.
In haste, a completely new text was drawn up. Truthfully, the commission made every effort to encompass the joys, hopes, sorrows, and anxieties of todays world which priests had shared with them. However, 30 years after the council, it must be acknowledged that those who drafted and approved the text were not fully aware of how deep the crisis was, and of the degree of change that would impact on cultures and societies today, as well as those of the future. A realistic prognosis was still lacking, and the churchs sensitivity still needed to grow, even under the duress of much pain and turmoil.
Despite this, it is worthwhile to give considerable attention to this important decree, for in it are found these several significant and relevant points: Priests cannot really serve people unless they are totally familiar with their life conditions, which as a consequence means that priests are meant to live amid the people entrusted to them (Par. 3). Great emphasis is given to the task of helping people grow toward fuller maturity (Par. 6). And could we not explicitly say that this point implies the acknowledgment and fostering of the virtue of critique? Another important focus is that priests should give particular preference to the suffering, sick and poor. Nor should it be overlooked that the decree clearly emphasized the building up of Christian community around the centrality of the Eucharist (Par. 8).
Even though the council did not neglect to point out the phenomenon of rapid acceleration of historical processes, how could the council Fathers not have anticipated the most pressing consequences of this phenomenon--for example, the problems surrounding pluralism and reconciliation--in full acknowledgment of cultural diversity? The decree rightly underlines the importance of a spirit of poverty among priests, but why, then, was it not said that bishops should themselves be moving examples of poverty and simplicity of life? The text also offered rich inspiration for a priestly spirituality as an expression of fraternal solidarity. Last but not least, an explicit appeal was made to priests to conscientiously assess themselves in the light of those adaptations required for living close to people (par. 22).
Was the Council Responsible for the Serious Crisis Facing the Priesthood?
First of all, what exactly do we mean by the word "crisis"? A distinction must be made between crisis as a manifestation of decadence, and crisis as a sign of growth (or an opportunity that allows for new growth).
Ten years after the Second Vatican Council, a Spanish-born priest who had served in Latin America wrote, under my direction, a doctoral dissertation on the undeniable crisis in priestly life. He concluded that this crisis could very well turn out to be a crisis of growth, if priestly formation and spirituality are understood and developed within the framework of the councils "Pastoral Constitution on the Church in the Modem World." He also concluded that one of the major reasons for the seriousness of the crisis was precisely that this form of spiritual renewal was frequently neglected, if not explicitly rejected.
The dynamic acceleration of history in our age is unquestionably enormous and unique. Most church authorities are ill-prepared spiritually and theologically to fully realize the depth and strength of this challenge facing the church today. It is especially those promoters of the "restoration" movement, forever harking back to antiquity and blaming the council for this crisis and unrest, who are unable, if not unwilling, to realize and address the threat and opportunity presented in our rapidly changing history. They remain impregnated with, and ossified by, a timeless, classicist philosophy and theology that render all things changeless. They appear unable or unwilling to shift from a moralistic paradigm of obedience to an ethic of responsibility and co-responsibility. This lack of preparedness is even more visible in their clinging to centralism that overdoses on control in direct opposition to a genuine and more humane collegiality and subsidiarity. In an age of accelerated historical development and change, the trend and temptation to restore centralism and all systems of control may well be a major cause for completely missing or blocking opportunities to respond to ecumenism and global diversity through inculturation.
Those who should be giving an encouraging green light to promoting the shift to this new paradigm are instead putting the brakes on it. An obvious symbol of this aspect of the crisis is the cruel reality that even moderately dynamic bishops are regularly and punctually replaced when they have reached the age of retirement, while vigorous "brakemen" remain in office much longer. Bishops pioneering a contemporary outlook run the risk of being removed, while those lagging behind remain entrenched. While nostalgia for "the good old days" was far less dangerous in a more static era, todays yearning to turn the clock back may ultimately lead stragglers to suffer the fate of Lots wife and risk becoming pillars of salt.
Focusing on Encouraging Examples
Given the present state of the church, like Galileo, we can trustfully say, E pur si muove (Yet there is movement). I could very easily write a well-documented book in support of my findings. As a German priest, I have chosen to refer to the letter of the German bishops to priests entitled "On the Priestly Ministry" (Sept. 24, 1992). The document is a superb example of the paradigm shift taking place in our age.
With astonishing frankness and newness, the German bishops addressed the present crisis in the priesthood and invited its members as brothers, first and foremost, to open their eyes to positive opportunities, rather than wasting their best energies on useless moaning and groaning about how bad things are. Implied, of course, was that the darker sides of the priesthood--and the real dangers to it--should be neither minimized nor overlooked. Above all, it is a matter of priority, since the Christian spirit never points to the victory of evil first, and then only grudgingly turns to acceptance of the fact that God plays a role in sometimes granting victory to the good.
As bishops of the universal church, the German leaders invited their fellow priests to develop a worldwide outlook, since the present crisis (hopefully a crisis of growth) is related to the deep transformation of cultures, societies, the sciences and, not least, the vision of the cosmos--the entire created world. Consequently, the relationship between church and world can never again be the same. The era of Christendom has unequivocally and irretrievably passed away.
Priests stand uniquely in the midst of this crisis that for many is a crisis of faith. What does it really mean to abide in faith? In life and ministry, priests in particular (though vowed religious men and women and the whole people of God as well) are confronted with many paralyzing forms of polarization in the church. On this point, the German bishops, with unwavering honesty, spoke about problems caused by current official Roman teachings on several aspects of sexual morality and marriage: teachings that are either simply overlooked or explicitly rejected by a great number of believers. As a consequence, two loyalties are in conflict. On the one hand, most priests have deep feelings of loyalty for the magisterium and the pope; and on the other hand, they intend to be faithful to the whole people of God. How are we to reconcile these opposites in terms of consciences and in pastoral teaching and practice? Who in this case suffers more than priests and pastoral associates?
This polarization is particularly painful for older priests whose formation has been substantially pre-conciliar. Not infrequently, the depth of this crisis even approaches the level of an identity crisis.
The German bishops letter offers these challenging words, in full realization of the problem: "The pastor bears with great suffering the final responsibility for the parish. But often he comes to see that many times lay people are more competent." The process of learning cooperation with lay people and younger priests is indeed not easy for all involved.
In confronting the problem of celibacy, the bishops are equally forthright when they ask: "Is the lifestyle marked by celibacy so important as to allow postponing what belongs to the very heart of pastoral ministry, at least as it has been conceived up until now?"
The bishops touch upon a number of problems in facing the question as to how the present crisis in the priesthood "coincides with the future image of the church." In pondering the dynamics of our most recent history, the bishops conclude that now and in the future, even more than in the past, priestly vocations need to be understood and fostered in a dynamic way: "In the course of the years we have to truly become what we already are." Implied in this axiom is a challenging truth. A static vision of the priestly calling is deadly. They add further: "In this regard as in many others, we have to learn to accept and develop an approximate and gradual maturation." The dynamics of growth must increasingly characterize and be evident in priestly life, coupled with the courage to live a fully transparent life in face of the community--regardless of personal shortcomings.
Conscientiously accepting our human imperfections and limitations can become an act of praise for Gods generosity and patience. Simultaneously, this acceptance can be a remedy against the temptation to take ourselves too seriously.
In the vision of the German bishops, the present situation is both an invitation and a timely opportunity for priests, in solidarity with each other, to get on the road and place themselves in the midst of human need and affliction. In my opinion, this new tone and spirit is poignantly revealed in their compassionate and timely directive: "At this point, we remind ourselves of our solidarity with those of our peers who, frequently under tragic circumstances, have left the ministry. In no way may we abandon them" (p. 30). Indeed the entire letter glows with the spirit of the Gospel and strengthens our hope for the future of the church and the future of her priesthood.
The same pastoral tone of frankness and openness shines forth in the pastoral letter of Bishops Lehman of Mainz, Saier of Freiburg, and Kasper of Rottenburg-Stuttgart on pastoral care for divorced and remarried Catholics--including the admission of these Catholics to the Eucharist in accordance with wise principles of discernment. Even after the disappointing response from the Vatican congregation on doctrine, these three bishops, in a spirit of nonviolence, maintain their spirit of candor and sincerity.
Only in mutual solidarity and trust between bishops and priests can the present and undeniable crisis be overcome, for what unites them is their shared love and pastoral care.


text:
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This chart shows the forwarding expenses and the forwarding weight. Please consider: The package weight is additionally to the product weight. Product specific there can be variations at the forwarding expenses, because the forwarding provider (e.g. GLS) transports smaller packages at a reduced rate.
The forwarding options "German Logistics Systems (GLS)", "Forwarding expenses according to packageweight / best price" only refer onto the forwarding within Germany. Forwarding into other european countries always causes upper forwarding expenses.
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The Contact_Vcard classes for PHP allow you to parse and build vCards that match the IMC standards.
A vCard is a plain text file that contains an "electronic business card" of contact information suitable for including in an address book. The vCard format is a standardized way of trading personal and organizational contact information.
For a full overview of the vCard 3.0 specification, refer to Internet Engineering Task Force RFC 2426.
For a full overview of the vCard 2.1 specification (version 2.1), refer to the Internet Mail Consortium Product Developer Information web page.


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Inserting the insect-resistant trait event DAS-81419-2 into soybeans to provide a novel insect resistance by soybean plants has received approval or "nonregulated status from the Animal and Plant Health Inspection Service of the U.S. Department of Agriculture.
The deregulation during late April paves the way for the two Bt protein event or trait to be included in soybeans through gene engineering methods and the soybeans sold in the U.S.
The Bt combination is reportedly excellent against lepidopteran pests. The company last October announced, "Extensive research has shown that the company's trait provides broad in-plant protection against lepidopteran pests such as fall army (Spodoptera frugiperda), soybean looper (Pseudoplusia includes), velvetbean caterpillar (Anticarsia gemmatalis), soybean podworm (Helicoverpa gelotopoeon) and tobacco budworm (Heliothis virescens) as well as Rachiplusia nu.
In that same news releases, Dow AgroSciences said the trait had a place for inclusion in Enlist soybeans, that are mainly noted as being soybeans resistant to postemerge application of the company's proprietary 2,4-D choline herbicide. Enlist soybeans are going through the USDA deregulation process at the moment.
"Upon regulatory approvals, the soybean insect-resistant trait will be offered as a stack with the company's innovative Enlist soybean traits in elite and high-yielding varieties. This integrated solution will provide much-needed insect control as well as tolerance to multiple herbicides for improved weed management, allowing crops to maximize yield in a highly efficient and sustainable manner, Dow AgroSciences noted.
The U.S. is only one of a few countries where the Bt trait has been submitted for regulatory approval. Dow AgroSciences has said the trait would initially be targeted for commercialization in soybeans for South America where lepidopteran insect pressure can be quite high. Brazil and Argentina are specifically noted as countries that could greatly benefit from new Bt-traited soybeans. The company said it plans to broadly license the technology to regional seed companies in those two countries but wasn't expecting it to be in South American soybean seed for three to five years.
There has been no timeline for the trait to be incorporated into U.S. Enlist soybeans, but the first Enlist soybeans, possibly approved by the USDA and commercially available as soon as 2015, will not have the DAS-81419-2 event included.


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Early indications out of Denver were that the Broncos weren't too concerned about the Super Bowl availability of either running back Knowshon Moreno or cornerback Tony Carter after they were forced out of the AFC Championship Game with injuries.
The latest update does nothing to change that outlook. Broncos coach John Fox said Monday, via the Denver Post, that Moreno, who injured his ribs when getting tackled by Patriots linebacker Jamie Collins in the fourth quarter, was day-to-day after x-rays showed no serious damage.
Moreno led the team with 59 rushing yards on Sunday and had 1,038 rushing yards and 10 rushing touchdowns in an excellent season. Assuming Moreno makes it back in time for the Super Bowl, the New Jersey native will get a chance to play in his home state come February 2.
Carter's injury was originally announced as a concussion, but Fox backtracked from that today. The coach said Carter is fine after suffering a pinched nerve while trying to make a tackle in the fourth quarter.


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The weekly judges & guest judge Maureen Seaton all agreed that there is a clear winner for Week 8: Villanelle. Congratulations, W.F.
While the decision for the winner was easy, Kristen and Kathi, the decision for the bottom two was not easy. In fact, the decision for the bottom two was quite difficult, and the decision as to who goes on permanent caesura was extremely difficult.
Kristen and Kathi, the weekly judges feel that for most of the competition the two of you have been neck and neck. Both of you have had your ups and downs-- we've thought you've been great at times; we've questioned what you were doing at times. We see it all coming down to the week 8 assignment.
Kristen, you revised your poem correcting the AAB rhyme scheme error to the proper ABA rhyme scheme of the villanelle. However, the judges feel your original poem was stronger than the revision.
Kathi, the judges won't deny that you made great choices with your revisions; however, you didn't address the issue of slant rhyme.
Who stays? Who goes on permanent caesura? The poet who took the chance to revise and took two steps back, or the poet who wrote a good poem in spite of the rules....
Kristen, you are on permanent caesura.


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World's largest rocket contest launches next generation of aerospace leaders
February 19, 2014
Challenging competition engages students' STEM-focused skill sets
Arlington, Va. – More than 700 student teams representing 48 states, the District of Columbia and the U.S. Virgin Islands are preparing for the 2014 Team America Rocketry Challenge, the world's largest student rocket contest and a key piece of the aerospace and defense industry's strategy to build a stronger U.S. workforce in science, technology, engineering and math (STEM).
The competition challenges each team to design and build a model rocket that can travel to a height of 825 feet and back within 48 to 50 seconds. Each rocket must also deploy two identical parachutes carrying precious cargo — two raw eggs that must return safely to the ground undamaged. Scores are determined by how close they come to the required height and time; damaged eggs disqualify the flight. TARC poses a different challenge each year, and 2014's dual-parachute requirement combined with the tight timing window and other structural criteria make this contest the most difficult in the competition's 12-year history.
Sponsored by the Aerospace Industries Association, the National Association of Rocketry and more than 20 industry partners, the contest aims to bolster U.S. student engagement with STEM. In a 2010 survey among TARC alumni, approximately 80 percent of respondents said they planned to pursue a STEM-focused college major.
"We are proud and grateful for the influx of talent TARC has injected into the aerospace and defense industry's workforce development pipeline since the program's inception," said AIA President and CEO Marion C. Blakey. "During a time when America struggles to match our international counterparts in producing sufficient graduates in STEM education fields, TARC has helped thousands of skillful and knowledgeable young people get started on challenging career paths."
This year's diverse cohort includes several teams that are utilizing 3-D printers to develop rocket components; a team from Hawaii that hopes to be the first from their state to qualify for the national finals; and a team from Alaska that will spend the winter launching test flights in sub-zero temperatures. The program has also experienced a two percent growth in female participation over the past year and a number of all-girls teams are vying for the chance to compete in the national finals.
Teams have until March 31 to launch and submit their qualifying flight scores. Those within the top 100 will advance to the National Finals on May 10 at Great Meadow in The Plains, Va.
Participants compete for scholarships and prizes totaling $60,000 as well as bragging rights for winning the world's largest student rocketry competition. The winning team will travel to the Farnborough International Air Show in July courtesy of the Raytheon Company to compete in the International Rocketry Challenge. The American team will face off against teams from the UK and France in hopes of defending the international championship won by Georgetown, Texas 4H last year in Paris. For more information about TARC 2014, please visit www.rocketcontest.org.


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The ticket fairy at Stonehaven Folk Festival dropped the hotline in the toilet on Friday morning!
But, thankfully, it was the only disaster in what proved to be the best event in its 27 year history.
For the first time ever, all of the tickets for the main concerts were sold out three weeks in advance.
So the ticket fairy's disaster was not the end of the world as the festival, in the words of chairman Charlie West, went "swimmingly".
"It was a great festival," he said. "It's the first time we sold out fully weeks before the actual event.
"We had a very strong line up and the north east night, featuring acts from all over the north east of Scotland, was a big hit.
"The highlight for me though was the Canadian folk band Le Vent du Nord; they usually only play the likes of Celtic Connections so to have then playing at the Town Hall was a bit of a coup for us.
"And the fact that they got three encores and a standing ovation, from a north east audience, speaks volumes to how well they went down with the crowd!"
The Sunday night headliners Treacherous Orchestra brought the festival bang up to date and arguably introduced a younger audience to the joy of folk music.
Charlie (61) said: "They're quite a modern folk band – it let the audience see what young people are doing with folk music.
"They play a lot of intricate tunes which are a wee bit different from the traditional jigs and reels. But they went down a storm too!"
Of course, the folk festival wouldn't be complete now without its fun side – and there was plenty of that during the four day event.
Only in Stonehaven would be an apt way to describe the aqua ceilidh, featuring the Splashing White Sergeant and Drip the Willow in the town's open air pool.
And, of course, the World Paper and Comb Championships, which aim to safeguard the instrument's use for future generations, is also uniquely Stonehaven.
"The paper and comb used to be played in every home," said Charlie. "But we noticed it was sadly in decline so we organised the championships to ensure its survival and revival."
Arguably, though, the talk of the steamie at this year's festival was an unfortunate accident with the telephone hotline.
Taking up the story, Charlie said: "I got a call from the lady who mans all our telephone ticket sales on Friday morning.
"She was almost in tears as she told me that she'd dropped the phone down the loo!
"So most of the weekend the ticket hotline wasn't working – but there was very little we could do about it.
"Everyone, of course, heard about it so we ended up having a very embarrassed ticket fairy – it was the joke of the festival!
"It really wasn't the end of the world because most of the tickets had been snapped up. But we are expecting to get a few frustrated calls from people who couldn't get through. All we can do is apologise – accidents will happen."
Happily, the rest of the festival, according to its chairman, went swimmingly well, attracting around 2000 visitors from as far afield as America, Canada, Germany, Denmark and Norawy.
And, after a year of planning and hard work, there are lots of people to thank for the event's success.
Charlie added: "I'd like to thank all the local businesses and Creative Scotland for their continued support. Thanks also to Dunnottar Castle for sponsoring the Friday night concert this year.
"But my biggest thanks goes to our ten strong committee and army of 90 volunteers, who rolled up their sleeves to ensure the festival was a success.
"We really couldn't pull off 60 events over the four days of the festival without their hard work, which is greatly appreciated."
Planning is already underway for next year's festival and Charlie has his eye on headliners already – so watch this space for more details!
Freelance photographer Andy Thompson was on hand to capture the action and his pictures are featured in our slideshow, created by Johnston Press Scotland communities hub deputy editor Julie Currie. Plunge in – and enjoy!


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Monday, December 05, 2011
Gingerbread muffins
Gingerbread muffins, anno 2011
This recipe was originally posted in December 2008. It's been fully updated, and new photos are included.
Everyone likes a good muffin, and during Christmas time, this should be a Christmas muffin :)
There are endless variations on the theme. You could bake small cupcakes and garnish them with something Christmassy. Or you could simply add your favourite Christmas spices (say ginger, nutmeg, cinnamon, cloves, cardamom) into your regular plain muffin recipe (and still glaze them afterwards). Or you could throw in a generous handful of red berries (lingonberries or cranberries) into your muffin batter to give them the festive feel.
Here's a recipe for very simple muffins - made special by the use of dark muscovado sugar and a mixture of gingerbread spices.
Note I've measured the dry ingredients both in grams and in volume. A standard American cup is 240 ml, so 100 ml of muscovado sugar would be a half a cup minus a heaped Tablespoon etc.
Gingerbread muffins
Makes 12 medium-sized muffins
Gingerbread muffins, anno 2008
2 large eggs
85 g dark muscovado sugar (100 ml)
50 g butter, melted and slightly cooled
100 g sour cream or creme fraiche
120 g plain/all-purpose flour (200 ml)
1.5 tsp baking powder
25 g ground hazelnuts or almonds (50 ml)
2 tsp gingerbread spice or mixed spice or pumpkin pie spice
icing sugar, for dusting
Whisk eggs with sugar. Add the melted butter and sour cream. Mix the dry ingredients in a separate bowl, fold into the egg-sugar-butter-sour cream batter.
Spoon into muffin cups and bake in the middle of 200 C/400 F oven for 10-12 minutes, until muffins are cooked.
Let cool a little, then dust with icing sugar.
Gingerbread muffins, anno 2011
Jõulud kodus ("Christmas at Home"), published in Estonian in November 2011.
9 comments:
- Lydia (The Perfect Pantry) said...
I love gingerbread but never too much at one time. The muffins are great -- you can eat one (or two?) and put the rest in the freezer.
- 5:42 am, December 13, 2008
- Victor Chisholm said...
This is the kind of recipe I like: Should I use butter? Should I use sour cream? Why choose, I'll use both, and I'll throw in some ground hazelnuts for good measure!
- 6:30 am, December 13, 2008
- ChichaJo said...
This is making me feel very Christmassy Pille, thank you :)
- 4:53 pm, December 13, 2008
- ~~louise~~ said...
Mmm...these gingerbread muffins sound heavenly. I hope you don't mind if I borrow your link, I recently posted for Gingerbread House Day and these muffins are just the addition I need. Thanks so much for sharing...
- 1:31 am, December 14, 2008
- molly said...
i love your suggestion of adding christmas spices. you can do this with some cookie recipes too. yum!
- 1:19 am, December 15, 2008
- Trailing Mira said...
Yum! Thank you for this recipe.
- 9:27 pm, December 16, 2008
- Jeanne said...
Gingerbread spices just give everything a little extra lift - I love them. Great looking muffins!
- 7:57 pm, January 06, 2009
- Pille said...
Lydia - I've never had to resort to freezing muffins, but yes, it'd work well :)
Victor Chisholm - ehee :)
ChichaJo - making you feel Christmassy was the very point of this recipe. Glad it worked!
Louise - of course not..
Molly - adding Christmas spices to regular desserts is a great way of making them more Christmassy without much effort..
Trailing Mira - you're welcome!
Jeanne - thank you, thank you!
- 11:12 pm, January 13, 2009
- Annie said...
Wow, cool!! I will make these for my parents tonight. I also want to know if I can use margarine instead of butter? Do you think the taste will be comprised?
- 11:33 pm, December 11, 2011


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0 Members and 1 Lonely Barbarian are spying on this topic.
The rough approach. Never occurred to me actually. I try diplomacy whatever the cost. I'm european, see
Er, he sounds like a drug to you AG. His lows make the highs seem more high. Sounds like the average is less then 0 though.
Has he ever ran a campaign? Maybe a day break from the monster campaign with a sidetrek that he has to control. Does he really understand the difficulties of balanced play?
I agree with Strolen. Let him run a campaign or if he doesn't want to then just a stand alone dungeon. If your feeling rather frustrated or angry at him, be a player and mimic his game play.
He sounds like an asset to your game, but he needs to let go a bit. In your shoes, I would consider running some sort of special one-shot game, perhaps for Halloween. Ask him to make two characters, an "expendable" character intended to die in the first act, and one to be his "real" character. Emphasize that this game is a one-shot because you don't expect all the PCs to make it through. I'd also ask him to run a game ("I'd like to play for a change"), then I'd run the sort of character who gets himself killed. Your example may remind him that dying isn't such a big deal.
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Organizing a Group Cruiseby Paul Motter | January 12, 2009
Organizing a group cruise means price cuts and other perks, including a free cruise for the group leader.
Anyone can put a group cruise together if they know enough people ready to sail. The goal is to fill the number of cabins needed to qualify as a "group cruise" by the cruise line. The reward is lower cruise fares and other perks the cruise lines offer only to group cruises.
How many cruisers do you need to qualify as a group? The basic rule of thumb is 15 individuals and the group earns the equivalent of one free ticket (berth is the official term) for the group leader. One berth equals one cruise fare in a double occupancy cabin. In order to get the entire cabin you need to sell 30 berths, equal to 15 cabins at double occupancy. These free berths are called "Tour Conductor" berths, abbreviated as "TCs" or "TC cabins".
Once the qualifying number of cruisers for a group is met the cruise lines' group sales department will offer added incentives, which can vary depending on the cruise line, ship and even sail date. The amenities might include a group cocktail party, a bottle of champagne for each cabin, a tote bag, discount coupon book, shipboard credit or a slight price reduction. There may be other choices as well.
You choose from the above amenities by using the cruise line's system of assigning "amenity points" to each group. The number of points you earn depends on the size of the group. You use the points to choose from a menu of amenities each "costing" a certain number of points. The number of points assigned to a 16-cabin group cruise is generally enough to "purchase" one, or at the most, two of the amenities listed above.
Each cruise line has different rules for group cruises and they can change at any time. This is why a travel agent can be so valuable to you when it comes to forming and managing your group.
Steps to Forming a Group Cruise The first thing to do is to contact a travel agent, or the cruise line directly, and tell them what kind of group cruise you are planning. We recommend going to a travel agent because they will handle all of the ticketing and other details for you. They also know which questions to ask that you may not have thought about.
Plan Your Cruise
- Seek out a competent and reputable travel agent that specializes in group cruises.
- Research a variety of cruise lines, ships and itineraries to find the one most likely to suit the preferences of most of your group members.
- Find out what kinds of amenities the cruise line will offer your group. These include the things mentioned above like upgraded accommodations, a complimentary bottle of wine or champagne, special stateroom gifts, on-board credits, a complimentary cocktail party or a free shore excursion.
- Compare the individual pricing to the group cruise pricing from the cruise line. You might find a big difference in rates just by picking a ship that sails a day later or earlier than the one you are researching.
- All cruise lines will offer you free berths (i.e., beds) depending on how many are sailing in your party. It can be as little as one free for every eight, but the average tends to be one for 15. This means that to get a free cabin (two berths), you'd probably have to assemble a group of 30 people.
- Don't forget that other companies also will offer discounts to your group. For example, if many of your guests are flying in the day before the cruise you can ask the local hotels if they offer group rates. Transportation to the ship can also be arranged at special prices. Tours in your port destinations will offer group discounts as well. Just keep in mind that the more you try to coordinate the harder your job as a group leader becomes.
Ironing Out the Details
- Get everything in writing from the travel agent, including the allocation of free berths and their values. Obtain a copy of the group cruise contract that the cruise line provided to your travel agent, and demand a recap of all bookings from the travel agent on the cruise line's stationary. Don't accept a recap that comes directly from the travel agent.
- If shore excursions have been pre-arranged get all the details in writing: number of buses, times, duration of tour and whether gratuities for the drivers and guide are included.
- Find out what types of proof of citizenship are required.
- Make sure all passengers have their preferred dining time and table size and that all reservations are cross-referenced for dining preference if you wish to dine together.
- If it's a large group, ask if the cruise line can provide an onboard Hospitality Desk for your use. This could be as simple as setting up shop in the library/card room or in a corner of one of the smaller lounges. This makes it easier for members of your group to iron out any problems once they're on board.
- Have your travel agent include a "checklist" in each set of documents; this should include the list of documents enclosed, along with helpful hints on what to do or whom to contact onboard if a problem arises.
- Maintain a list of everyone's stateroom assignments.
- Make sure the duties of any group leaders or escort are defined in writing and agreed to by the leaders themselves and your travel agent.
Once On Board
- The group cruise leader should make contact with the ship's Guest Relations Staff immediately, building a rapport that makes it easier to iron out any problems that may arise.
- The group cruise leader/host should confirm all included services such as cocktail parties, amenities or pre-arranged group activities directly with the Guest Relations Staff immediately upon arrival.
- If no tours have been pre-arranged, try to arrange for any group excursions or activities as early in the cruise as possible.
- Contact the ship's photographer and arrange for a group photo shoot sometime during the cruise. This can be anything from a portrait on formal night to a group shot on deck. It makes a great memento!
Leading a group cruise can be fun and rewarding. The more experienced your cruisers are the easier it will be for you. If they are not experienced cruisers be prepared to answer a lot of basic questions about cruising. Be especially vigilant in relaying passport requirements long before the sail date arrives.
In the long run, once you have cabin and dining table assignments for the entire group, it isn't necessary to organize much more than possibly two or three times and places for everyone to meet onboard. If you want to do a special activity, like Karaoke, you must coordinate with the ship's group cruise coordinator either before you arrive or once you get onboard. People do not need constant supervision, they appreciate having free time to do as they please.
The main thing is to have patience and a good attitude. Don't try to be a perfectionist or let the little things get you down. It's a cruise; enjoy it!


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Tripod ball head - Benro, Triopo, etc.
Discussion in 'Hardware' started by Pawel D., Oct 9, 2014.


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Former Lipscomb softball standout Kellie Sirus was back on campus over the weekend for an alumni game. Sirus, back in her home of Sarasota, Fla., where she works as a cardiology nurse, was an All-Atlantic Sun Conference performer in 2010, 2009 and 2008 and a member of the All-Freshman Team in 2007. She was a member of the A-Sun All-Tournament team in 2010 and 2009 and was the tournament MVP In 2010. She also excelled in the classroom where she majored in psychology. She was twice named a CoSIDA First Team All-American in 2009 and 2010 and was a member each year of the A-Sun Scholar-Athlete list. She took some time out from visiting with her former teammates to talk with Lipscombsports.com.
What sport did you play at Lipscomb? What years? Who were your coaches?
"I played softball from 2006-2010 for coach Kristin Ryman."
What is your fondest athletic memory at Lipscomb?
"My senior year when we won the Atlantic Sun Conference Tournament and finally got to go to the NCAA Regionals. Being MVP of the tournament was a cool thing to end my senior year with.
"It was very exciting to go to the regional, especially at the University of Alabama which was the best team in the nation. We had been working four years to get there and our senior year we made it happen."
Who had the biggest influence on you during your athletic career at Lipscomb? How?
"My teammates. Coaches are always influential in your athletic career, but really I think it was the people I played and interacted with every day.
"On the field and off the field we were best friends. They were the ones who picked me up when I was having tough times. They would pick me up and help me out and give me the confidence back that I needed. They were always there for me."
What is your fondest non-athletic memory from your time at Lipscomb?
"It seems like everything was sports related. But it was great to be in Nashville for four years and to meet all of the new people here at school.
"It's a great school. It is fun being in Nashville. Seeing the city and being a student-athlete here were great experiences. There was country music and the idea that I could bump into a country star at any time. I ran into Taylor Swift at Kroger's. That was pretty awesome. I had my picture taken with her."
What is the most valuable thing you gained or learned from your time at Lipscomb?
"I had grown up in the church and have always been around church and Christians. I had a good bringing up from my parents. So coming here to Lipscomb reinforced it all.
"I was able to go to college, get a good education, learn, play sports and have the college life, but also still remember where you came from and what to focus on. God gave us this gift of being an athlete. In the end it all goes back to Him.
"Being here at Lipscomb helped me to remember that even more than being at a big school. The atmosphere here is very different from any other university. It was kind of nice to be here and give all the glory to Him. That is what they focus on here."
Who was your favorite professor? Why?
"I liked Ben May who was a Bible professor. He always remembered me every time he saw me which was weird because our Bible classes were really big.
"Dr. Paul Turner in psychology was another teacher I liked a lot. He was really calm. He was kind of quiet, but he was very knowledgeable. He was easy-going and understanding with my softball schedule."
Sydney Clayton was my anatomy teacher. I loved her. She was always helpful and worked around my schedule. She made anatomy a little more tolerable."
Where do you live now?
Sarasota, Fla.
Who is your employer? What is your occupation? What does your position entail?
"I am a cardiac nurse at Sarasota Memorial Hospital. I have my bachelor's in nursing. I got that degree in December of 2011 at the University of South Florida in Tampa. I graduated and got a job in March.
"We get a lot of patients with all kinds of problems. It is just routine nursing. My twin sister, Kristie, is a medical surgical nurse at Vanderbilt Medical Center."


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Local business holding youth rally / kid fair
Children of all ages are invited to participate in a kids fair / youth rally Saturday Aug. 11 from 2 p.m. until 10 p.m. at the Strike A-Lot bowling alley in Poteau. The event is free to the public and will include inflatable slides and mazes along with free bowling and lazer tag. There will also be live music provided by eight local christian bands. A percent of a proceeds from the sale of food and drinks will benefit the Women's Crisis Services of LeFlore County. Parents must be present with children.


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by Lois
(Pittsburgh, PA)
My mother died 26 years ago. My father took care of her until he hooked up with the cleaning lady arranged by my older sister.
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Well, currently taking care of 2 bitter, manipulative, lying women who love to play victim. One of them is my 66 year old alcoholic mother with Alzheimer's.
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I resented my dad having to go into a facility as it is only me to care for him which I did until his second stroke. He doesn't want to participate in


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A lot of media attention focused on the heroics of the fire and rescue crews searching through the rubble at the WTC attack site—and for good reason. But at the same time, the local electric utility, Con Edison, should be commended, as it marshaled some 850 workers to restore electric service to nearly all of its 12,000 commercial and residential customers in the area within eight days. To accomplish this task, the utility cut and isolated the distribution circuits around the WTC and a pair of destroyed substations as well as strung almost 36 miles of cable for temporary use on the streets.
According to Con Edison, it will replace the "36 miles of extension cords" with 100 miles of 5-in duct by April 2002 to encase medium-voltage, oil-filled power cables, and other types of circuits to serve the first of the two destroyed substations. Con Edison expects to rebuild the second substation in time for the peak summer power demand of 2003.
Representatives of three major area electrical contractors, including Fischbach & Moore Electric, Inc., Forest Electric Corp., and E-J Electric Installation Co., sit on the energy subcommittee of the New York Building Congress. The NYC Rebuild Task Force has specifically asked this subcommittee to review the impacts of NYC's energy needs as a result of the WTC attack. Members of this team will review system capability, reliability, and redundancy as well as the system's ability to meet immediate and future peak energy demands.


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Bulldogs Set to Make Fourth NCAA Appearance in Last Nine Years
- Complete Bracket: Interactive | PDF
NEW HAVEN -- Yale will face Bowling Green in the opening round of the NCAA Women's Volleyball Tournament this Friday night at 5 p.m. in University Park, Pa.
The Bulldogs and Falcons will play in the first match of the evening at Penn State's Rec Hall, while the tournament's overall No. 1 seed Penn State will play Binghamton at 7:30 p.m. as part of the West Lafayette Region.
The two winners will play in a second-round match on Saturday, Dec. 1 at 7:30 p.m. at the same location.
"We're thrilled to be playing in the NCAA Tournament," Yale head coach Erin Appleman said. "This is another great honor for the Yale volleyball program and we're excited to be playing such high-level competition on the national stage."
Appleman served eight years as an assistant coach at Penn State and won a national title with the Nittany Lions in 1999 along with five NCAA Final Four appearances.
The Bulldogs, who will be making its fourth-ever NCAA appearance, became the second Ivy League team to finish the conference regular season at 14-0.
"We are so excited about our NCAA seeding and it will be a great adventure in Happy Valley," Yale senior team captain Haley Wessels said. "After a long season, we are looking forward to some good competition on the East Coast. With only a few practices left before the match, we are focused on the goal of representing the Yale volleyball program well on the national level. It will be an exciting experience."
The Bulldogs had an overall record of 18-5 and featured five All-Ivy selections.
Yale junior Kendall Polan won Ivy League Player of the Year, while freshman Kelly Johnson earned conference rookie of the year. Junior Mollie Rogers was named to the All-Ivy First Team along with Polan and Johnson, while Wessels and sophomore Maddie Rudnick were awarded All-Ivy Second Team honors.
Bowling Green finished 21-10 overall and won the Mid-American Confernence post-season tournament. The Bulldogs and Falcons will be meeting for the first time.
Report filed by Ernie Bertothy, Yale Sports Publicity


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- Spectacular Gulf Coast sunset in old-Florida Franklin County.
Wild about FL's Franklin County
Seafood and wildlife haven on the Florida panhandle.
There's a place in Florida where wildlife abounds, where you can snorkel, scuba dive, bird watch, canoe, kayak and hike in relative isolation in Mother Nature's sanctuary. This same place is a haven for seafood: oysters, shrimp, clams, scallops, and a variety of fish like snapper, amberjack, tarpon and sheepshead.
No surprise it's where watermen make a living – though that might be changing. This is wild Franklin County in Florida's panhandle, a place that has yet to succumb to high rises and high density living, with few stop lights and little traffic.
Where the wild things are
As a place-setter, Franklin County is located along the Gulf of Mexico in the Florida panhandle, south of the Alabama border and southwest of Tallahassee. It's sometimes dubbed the "Forgotten Coast" because of its uncrowded beaches and miles of relative solitude; this might be partially due to the fact that 87% of Franklin County is either state- or federally protected parkland or nature preserve.
Because of this, Apalachicola Bay in Franklin County continues to be an extremely productive estuary. And it is home to boundless wildlife and pristine reserves. Some of my favorite wild places in Franklin County are:
Apalachicola National Estuarine Research Reserve. This crown jewel is considered a "biological hotspot" owing to its over 1,300 species of plants, 131 species of fish and 50 species of mammals within 246,000 acres in Apalachicola Bay. This makes it the second-largest estuarine research reserve system in the United States. Signs are posted to beware of black bears, though I didn't see one. Come here to find manatees in their natural habitat.
Alligator Point. Situated at the easternmost end of Franklin County between the Gulf of Mexico and Alligator Harbor, this place is perfect for birding and wildlife. It's also known for its clam harvesting and fishing. You can't help but feel like you have the whole place to yourself, as its remoteness almost guarantees solitude.
Bald Point State Park. Located at the junction of the Apalachee and Ochlockonee Bays, this secluded 5,000-acre park is considered the best spot for sighting black bears. It's also a favorite with birders, since it is a bi-annual stopover for migrating birds and butterflies.
Tate's Hell State Forest. With such an evocative name and 131,256 acres of diverse natural communities, Tate's Hell is a great place for hiking and discovering hydric communities such as wet prairie, wet flatwoods, strand swamp, bottomland forest, baygall and floodplain swamp. The High Bluff Coastal Trail hits the hot spots and the Deep Creek Birding Trail…well, it's known for the birds. It's also home to 150-year-old cypress trees. And for those whose life lists include spotting threatened or endangered species, this is a place with bald eagle, Florida black bear, gopher tortoise and red-cockaded woodpecker sightings.
Town and country
A diamond in the rough, Franklin County still has the charm of "Old Florida," with scenic countryside drives, family-owned shops, great culinary traditions and a huge dose of Southern hospitality to charm any visitor.
Within the county's 545 square miles, there are several quaint towns that offer respite and variety: Apalachicola, Carrabelle, and St. George Island. Each offers a variety of accommodations that range from camping, beach cottages and historic B&Bs to waterfront hotels and luxurious beachfront rental properties.
During my stay on St. George Island, I stayed at a fully furnished, 4-bedroom beach house with a private swimming pool, spa and three decks of living space. Called SGI Plantation, it's managed by Collins Vacation Rentals.
Apalachicola. This is a seat of seafood – a fishing town where oysters, timber and fishing are part of the history and culture. Some say that the town exudes more Cape Cod than Deep South charm, likely because Apalachicola has attracted so many Northerners who take up residence.
Besides offering a wonderful array of local restaurants that specialize in seafood, the town is where the Apalachicola Maritime Museum is located. Founded to "celebrate and preserve the rich maritime history of Apalachicola in a hands-on learning environment with active sailing and adventure programs, boat building and restoration, and educational programs," the museum is your place to sign up for eco-tours, sailing trips, kayak trips, sunset cruises and specialized trips to barrier islands.
The most popular is the three-hour estuary cruise that explores the Apalachicola River and estuary while showcasing the immense diversity within.
Carrabelle. Only a 25-minute drive east of Apalachicola is the historic community of Carrabelle. Located at the mouth of the Carrabelle River on the Gulf of Mexico, it offers full-service marinas and is the place to charter a captain and boat to find the best fishing spots. Of note is that the Carrabelle River is the only spot in the county that offers deepwater port access to the Intercoastal Waterway.
One of those quirky claims: Carrabelle is home to the smallest police station in the world, a phone booth on the corner of US 98 and CR 67. Featured on many late night shows, you really have to see it to believe it.
St. George Island. While St. George Island is the place to go for miles of pristine beaches as well as beach cottage and home rentals, it is also home to Cape St. George Light (left). Besides the opportunity to ascend 92 stairs to the top of the lighthouse, there's a worthwhile museum on its history and tragic collapse in 2005.
Whether seeking wildlife, waterways, or small town charm, I found it all in Franklin County. To say the least, it was wildly wonderful.


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When the 55 delegates from the 13 states met in Philadelphia during the summer of 1787, they envisioned three separate branches of government — the legislature, executive, and judicial — each empowered to check and balance the others, a form of government in which sovereignty resides with the people, who elect agents to represent them in the political decision-making process.
Where does sovereignty really reside? According to the late Nobel Prize winner Dr. James M. Buchanan, with politicians and government officials who are motivated by self-interest. He further postulated the pursuit of self-interest by modern politicians has led to harmful public results, often courting voters at election time by approving tax cuts and spending increases for projects and entitlements favored by the electorate. This combination leads to ever-rising deficits, public burdens and increasingly large governments to conduct the public's business.
Since he won the Nobel, much of what he predicted has played out on almost all level of government. The City of Detroit has served as the poster child for what Professor Buchanan envisioned. Over 40 years of economic, fiscal and social turmoil witnessed (if not in part orchestrated) by administrators and self-serving (if not corrupt) politicians who feasted on what was left of the largesse of this once-great city at the expense of its residents, debt holders and workers.
Governor Andrew M. Cuomo has also mastered the art of fulfilling his responsibilities with self-interest in play. Last July, he activated a Moreland Commission to investigate and prosecute wrongdoing in New York State politics. He disbanded said commission on April 24 as part of a political deal with lawmakers to enact new corruption laws, which they did unsuccessfully back in 2011. In doing so, he caved on the need to require legislators to report income primarily earned from their law practices, and according to a commission member, put aside the likely prosecution of yet another dozen state lawmakers. When asked why, he responded, "it's my commission. My subpoena power, I can appoint it, I can disband it as I see fit." So much for representative government!
On the Legislative level, consider the following. Three bills were approved that would amend the state constitution. One limits the amount of money the governor would spend in any given fiscal year, the second requires a two-thirds vote of the legislature in order to increase any state taxes or fees, and the last denies pension rights or retirement benefits upon conviction of a felony related to public employment. End of story. Bi-partisan support hardly mattered, intent was lost in the abyss of legal and other considerations without any further explanation by those involved and no one seems the least bit concerned. I am! You should be! We are being gamed and we have no idea why. So much for what the founding fathers had in mind.
To learn more about the specific state constitution amendments' cited, please review posting titled "Lost in transition."


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2017-03-21 - Designed specifically for parents who live life on the go, the Bugaboo Bee 5 presents new upgrades and features that inspire an even greater freedom of movement. Our newest urban stroller is the most comfortable and stylish compact stroller to date.
The Bugaboo Bee 5 showcases a combination of new engineering features and impeccable styling options. Since 2007, the compact, light stroller has been a smart choice for urban adventurers with a newborn or toddler. Its lovable and tried-and-tested features are upgraded, offering even more comfort and options for customization.
Discover the ins and outs of what makes the Bugaboo Bee 5 the ultimate urban stroller:The smoothest ride ever
Thanks to innovative engineering solutions, the Bugaboo Bee 5 is even easier to maneuver and offers a smoother ride than ever before. The front wheel suspension has undergone a series of improvements resulting in a more comfortable and easier ride for both parents and children. Lead engineer Jos Joffers explains that by examining the physics of the suspension system and making technical developments based on their findings, the team was able to improve the performance of the Bugaboo Bee 5 suspension. This new design also reduces the amount of dust which can make its way into the system, meaning a smoother drive over time. The front wheels have also been designed in an entirely new way, not only making the wheels more stable, but also delivering a better swivel performance.All-new padded seat system
Our engineers did not stop there to improve the stroller's comfort factor. Another new feature of the Bugaboo Bee 5 is the padded seat fabric: we've added an extra layer of foam, and the 'pillowtop' seat fabric lining offers extra protection around the head and is more comfortable for sleeping. The seat fabric can now be separated from the seat hardware, making it easier than ever to update the look of the stroller. In this way, parents can easily extend the life cycle of the product. Aside from the all-new padded seat design, the engineers also improved the harness of the seat to make the shoulder straps stand out even more on their own. This means it's easier to buckle your child in and out of the stroller.Over 100 new parts
The Bugaboo Bee 5 boasts over 100 new parts, some not visible from the outside, like the inner suspension system. The stroller redesign includes small adjustments to details that make life for parents even easier. For example, the integrated attachment points for accessories means there's no need to use adapters to attach things like the Bugaboo Cup Holder, Bugaboo Parasol or the Bugaboo Comfort Wheeled Board. Just click them directly onto the stroller and head out to explore. There's also a handy pocket in the under-seat basket to easily stow your rain cover or other small items.Show your style
The Bugaboo Bee 5 is not just brains, but beauty as well. With fifteen new colors, parents have even more options to create the stroller that shows their style. Choose any combination of colors for the seat, bassinet and/or sun canopy from the Core Collection of solid colors, the Premium Collection of muted mélange colors or from the newly introduced Signature Collection with (for the first time) prints.Patterns and colors that inspire
Senior product developer Sietske Sinnema developed the new color palette to include prints with butterflies and geometric waves, as well as warm colors like ruby red and olive green. "My inspiration for these new colors and prints came from looking at all the things that are happening on the catwalks, trend books, and of course, our own feeling of what fits Bugaboo."
New season, new baby, new look
Sietske adds that being able to mix-and-match increases the longevity of the stroller: "When you have a stroller for four years, your personal style or tastes may change." In addition to the new colors for the sun canopy and seat, the Bugaboo Bee 5 offers extra customization options with changeable wheel caps and several options for leather-look grips. You can easily refresh the look of your stroller, for a new season, a new baby or just for a change!Want to create your own Bugaboo Bee 5? Mix, match, play and discover here.
Show your style on social media with the hashtags #beeinthecity and #mybugaboostyle


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What was the most significant finding from the survey?
Across many parts of the survey, the results find interesting differences in the replies from "younger" (less than 10 years of experience) and "older" advisors (10+ years of experience). Younger advisors are more likely than older advisors to:
Have clients question their fees (40 percent versus 23 percent)
Be asked for information about investing strategies in use, including ways for clients to invest on their own (57 percent versus 37 percent)
Be asked to provide advanced digital tools their firm doesn't have (52 percent versus 20 percent)
Use social media with their clients (74 percent versus 59 percent)
See online investment managers as a threat to their business (29 percent versus 15 percent)
How are digital tools and channels changing the game?
More than three-quarters of the advisors we surveyed say that investor demand for digital is increasing and 75 percent say this trend will be stronger in the next five years.
The use of social media has become mainstream, with nearly two-thirds (64 percent) of respondents agreeing that social media has become a significant and/or acceptable way of interacting with clients, and 62 percent saying that they themselves use social media to communicate with clients.
Here's where the generation gap comes into play though: among those who have tenure of 10 years or less, 74 percent use social media with clients, with 81 percent of those using Facebook and 61 percent using LinkedIn. However, among those with 10 or more years of tenure, only 59 percent use social media with clients. Interestingly, the older advisors are more likely to use LinkedIn than Facebook (78 percent to 61 percent).
How is the client experience changing?
Clients are becoming more knowledgeable and more confident as investors, with 88 percent of advisors saying clients are better informed and 54 percent saying they have become more active in decision-making.
With questions about advice come questions about fees; 32 percent of advisors overall, and 40 percent of those with less than 10 years' tenure, said investors question their fees.
Investors are also asking advisors for information and research the advisor or the firm does not routinely provide, with nearly half of advisors receiving such requests.
We believe this trend toward greater client engagement and requests for more research and information will continue and may accelerate.
Did the survey reveal anything about financial planning?
Of the advisors we surveyed, 54 percent say they have developed financial plans with their clients, and, of these, 64 percent are monitored for performance to plan. Performance-to-plan tracking is more common among longer-tenured financial advisors, with 71 percent reporting such monitoring.
It's important to note, clients are beginning to ask advisors for digital tools. In many cases, their firms do not provide these tools. The most successful advisors, that is those with the highest AUM, also identify themselves as being most in need of these tools, particularly financial planning tools.
How do advisors grade their performance?
Financial advisors' performance is measured primarily on AUM or net new assets, but some new criteria for performance measurement are being introduced. Fully 60 percent of advisors and 70 percent at large firms consider themselves to be top performers, but only 56 percent feel that their firms measure their performance effectively. Similarly, 57 percent feel their firm provides appropriate incentives for performance.
How can wealth management firms respond?
Wealth management firms have the opportunity to attract extensive new assets through intergenerational wealth transfer and the shifts of funds that follow inheritances. To retain and grow existing assets while gaining a larger share of assets that are "up for grabs," firms should consider five key principles:
Recognize that not all clients are alike. There are major differences between older and younger clients.
Equip advisors with the full digital toolkit. Firms should ensure that advisors have access to the digital tools that clients have come to expect, including communication via social media.
Advisors and clients should plan together. Advisors should be equipped with the latest innovations in performance monitoring and analytics for performance improvement.
Provide proactive, structured succession and inheritance training programs.
Evaluate the skills, talent and training needed to be a good financial advisor.


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By Robert Dixon
Annuity sales declined 8 percent in 2012, according to LIMRA's fourth quarter "2012 U.S. Individual Annuities Sales" survey, which represents data from 95 percent of the market. Fourth quarter sales were also down 8 percent, suggesting the downward trend continues.
Total annuity sales were $52.6 billion in the fourth quarter. For the full year, annuity sales were $219.4 billion.
Despite those declining figures, the industry marketing group identified two bright spots and says there is reason to expect the annuities market will rebound.
Although it's still just a tiny slice of the market, deferred income annuity (DIA) sales topped $1 billion and fixed indexed annuity sales hit a record high in 2012, LIMRA reported.
"As an emerging market, DIAs experienced significant growth in 2012," said Joe Montminy, assistant vice president and director of LIMRA annuity research, in a release. "We see new companies entering this market and existing players launching new products, targeting younger boomers looking to create an income stream when they retire.
"LIMRA estimates that collectively consumers age 45-59 have almost $10 trillion in financial assets, so we anticipate these products will to continue to have remarkable growth." About two-thirds of all annuities are purchased by consumers in their 50s and 60s, Montminy said in an interview with InsuranceNewsNet.
Fourth quarter DIA sales reached $390 million, nearly 150 percent higher than the $160 million achieved in the first quarter of the year. DIAs represent less than 1 percent of all annuity sales, LIMRA reported.
Variable annuity (VA) sales decreased 8 percent in the fourth quarter, to $35 billion. VA sales totaled $147.4 billion in 2012, which was 7 percent lower than in 2011.
"Unlike historical trends, VA sales did not follow equity market growth, which increased 13 percent in 2012," noted Montminy. "VA sales performance in 2012 was clearly influenced by companies' strategic management of their books of business – removing some products from the market, limiting additional contributions into existing contracts, and revising features and pricing on guaranteed living benefits (GLB) riders."
The annuity products most in demand by consumers today are "those that offer lifetime income, typically a variable with a rider for guaranteed lifetime income," according to Montminy. Variable annuities account for about two-thirds of all annuity sales, he said.
Total fixed annuity sales were $17.6 billion in the fourth quarter, falling 7 percent compared with the fourth quarter of 2011. For the year, fixed annuity sales dropped 11 percent, hitting a 12-year low of $72 billion.
In 2012, indexed annuity sales achieved a record high $33.9 billion — a 5 percent increase compared to sales in 2011. Indexed annuity sales grew by 2 percent in the fourth quarter to $8.5 billion, an increase of 2 percent over one year ago. That figure was 2 percent lower than the prior quarter.
Guaranteed lifetime withdrawal benefit (GLWB) riders for indexed annuities continue to propel sales. A record 73 percent of consumers elected a GLWB rider, when available. LIMRA estimates that 87 percent of indexed annuities sold offer GLWB.
Fixed-rate deferred annuity sales (book value- and market value-adjusted) experienced another quarter of steep declines, down 20 percent in the fourth quarter and 27 percent for the year. Annual fixed-rate deferred product sales were $25.7 billion in 2012, the lowest level since 1998.
Single-premium immediate annuities (SPIAs) grew 5 percent in the fourth quarter to $2 billion. However, SPIA sales declined 5 percent in 2012 to $7.7 billion.
© Entire contents copyright 2013 by InsuranceNewsNet.com, Inc. All rights reserved. No part of this article may be reprinted without the expressed written consent from InsuranceNewsNet.com. Contact the editor at [email protected] with any comments or questions.


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The 83rd edition of the Texas Legislature opened in Austin with enough palace intrigue afoot to stock a fistful of Shakespeare plays. Gov. Rick Perry sees threats all around to his Texas crown even as he eyes another run for the White House in 2016, despite his embarrassing flop last year that restored "Oops!" to the national lexicon.
Comptroller Susan Combs, who announced a rosy revenue projection for state coffers, aspires to some higher office – probably lieutenant governor – and has already raised a big pile of money to fund her next campaign. The current occupant of that office, Lt. Gov. David Dewhurst, would like to run for re-election after being handed his head by Tea Party newcomer Ted Cruz in the race for U.S. Senate in November, despite spending millions of dollars of his own money. Don't forget Attorney General Greg Abbott, who has also raised a lot of campaign cash. To be sure, he holds an elected office, but Abbott is the most political AG we can remember and seems to file lawsuits against the federal government at the drop of a hat.
That is the backdrop against which this legislative session will unfold, and once again the people's business might take a back seat to the political ambitions of the state's top officials, most notably Perry. Recall the 2011 session when his legislative "emergencies" included voter I.D. – part of a nationwide GOP effort to suppress likely Democratic voters – and an abortion sonogram bill. Roe v. Wade might still be the law of the land, but conservative legislators around the country are attempting a de facto reversal with increasingly restrictive measures. Already introduced are bills to ban the procedure after 20 weeks because of fetal pain and another that requires doctors who perform them to have admitting privileges at a hospital. Presumably passing this legislation will allow Perry to burnish his conservative credentials to Tea Party types in Iowa and South Carolina but does little to address the real problems of real people in Texas.
Over in the Senate, the new chair of the Education Committee is Sen. Dan Patrick. A former TV sportscaster who once painted himself blue on the air to promote the playoff hopes of the Houston Oilers (remember them?), years ago Patrick purchased a small radio station and put a then-unknown Rush Limbaugh on the air. His fortunes soared and whatever his political leanings were before, Patrick became a hard-right conservative and a perfect match for the Tea Party. Now he wants to give vouchers to permit public education funds to go to private and religious schools. An adherent of Grover Norquist, Patrick supports his desire to shrink government to the point it is small enough to be drowned in a bathtub.
Meanwhile, the $5.4 billion cut from public education in the last session? Perry doesn't want to restore that funding but use it for tax cuts, no matter what the needs of the students of Texas.
We urge the citizens of this state to be vigilant and make sure their elected representatives do not allow the people of Texas to be sacrificed on the altar of Rick Perry's ambitions — or those of anyone else.
[1] http://theexaminer.com/users/examiner-staff-report
[2] http://theexaminer.com/features/commentary
[3] http://theexaminer.com/tags/examiner-editorial


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Custom e-commerce solutions are a vital part of any business that sells products online. If your e-Commerce web design isn't secure and user-friendly, you'll lose business and turn away customers. At Design Junction, we specialize in creating custom e-commerce solutions in Melbourne and for companies around the world.
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Dark Skies in Kintyre: Astronomy Tourism and Protecting the Sky
Sunday 30th June The Putechan @ 5pm
Astronomer, author, and dark skies consultant Steve Owens presents an astronomy talk giving insights into dark sky astrotourism, and how that might benefit rural communities. Steve is a professional science communicator, was manager of the Glasgow planetarium, the UK manager for the International Year of Astronomy 2009, and is now a freelancer helping communities set up internationally accredited dark sky parks all around the world. He was instrumental in gaining dark sky status for Galloway Forest Park in the SW of Scotland, Sark in the Channel Islands, and Exmoor National Park in England, and is currently working with ten other sites around the UK and overseas on their dark sky applications. He is chair of the International Dark-sky Association's Development Committee, and the author of the newly-released "Stargazing for Dummies"
Door Fees
Members £2.50
Non members £5.00
Buffet(additional) £5.00
More info:


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Bangor, Maine - Husson football improved to 3-0 in Eastern Collegiate Football Conference play Saturday with a thrilling win at the Winkin Complex. Husson scored 13 unanswered points in the first quarter matched and bested by Becker's 18 fourth-quarter points to set up the winning drive for the Eagles at home.
Husson took the opening kickoff and marched downfield on their first drive of the game starting at their own 45-yard line. Seccareccia handed off to Byron Jackson five times on the opening drive for a total of 12 yards, while Seccareccia ran three times for 42 yards and the game's first score, the longest of which for 38.
The Eagles forced Becker to punt on the next drive and took over again on their own 20 after a fair catch by Dom Mowrer. Husson marched 80 yards on 14 plays in over six minutes to put their second touchdown on the board. Byron Jackson punched in the score from seven yards out to make 13-0 after the missed extra point.
The remaining action in the first half consisted mainly of punts and turnovers on downs as the two teams entered the locker room at the half with the score 13-0.
Things remained scoreless all the way into the fourth quarter, with Becker finally getting onto the board at the 12:42 mark. Bobby Baker (Monroe, Conn.) hooked up with Shaun Llewellyn (Bloomfield, Conn.) for four yards and a missed extra point to make it 13-6
Later in the fourth the Hawks' Josh Lawrence (Manhattan, N.Y.) recovered a Seccareccia fumble at the Husson 44 which led to a Baker pass to Brandon Mulling (Naples, Fla.) for 31 yards and Becker's second TD. The Hawks went for two after the score but failed, keeping the game at 13-12 in favor of Husson.
Reece Attard came in to punt on Husson's next drive and had his kick blocked in the endzone. Romario Vincent (Brooklyn, N.Y.) covered the loose ball for the second Becker touchdown to make it 18-13. After penalties on both sides of the ball the Hawks tried for two for a third time and failed to get into the endzone.
Husson took over with 4:03 left in the game and proceeded to mount their game-winning drive. The Eagles managed 31 yards on their first eight plays of the drive and were faced with a fourth and three with just over a minute left. Seccareccia dropped back and found Ryan Stroud who juke his defender and was wide open at the goal line for the game-winning touchdown.
Husson recorded the second most sacks in a game in program history on the day, taking down Becker quarterbacks eight total times for losses of 50 yards. The Eagles also totaled 13 tackles for losses of 66 overall yards. Ernest Wiggins led the defensive charge for Husson, totaling 12 tackles with two sacks.
The Eagles will be on the road next weekend on the 26th at Gallaudet while Becker plays host to Mt. Ida.


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|Sept. 21, 2012, 2:07 p.m. bengali.boy created a blog: ICC T20 World Cup 2012: New Zealand vs Bangladesh- Preview and gained 5 points View
ICC T20 World Cup 2012: New Zealand vs Bangladesh- Preview
Posted by bengali.boy
on on Sept. 21, 2012, 2:07 p.m.
Two giant-killers who have a reputation of disturbing set calculations will be up against each other when New Zealand and Bangladesh clash in their opening Group D match of the World Twenty20 today.
Both Bangladesh and New Zealand are known to raise the bar when it comes to performing at major ICC events and it would be interesting to see which of the two manages to go a notch higher in the one-on-one battle.
New Zealand`s build up to the event has been far from ideal as three of their key players, including inspirational former skipper Daniel Vettori and pacer Tim Southee, have been laid low by gastroenteritis.
The Kiwis` warm-up campaign was also disappointing as they lost both their matches. It has been a far from ideal stay in the island nation so far for them but New Zealand`s cricketers are well known for fighting through the odds and put up creditable performances.
Led by an in-form and explosive Ross Taylor, the Kiwis seem a decent Twenty20 side with hard-hitting stars such Brendon McCullum and veteran all-rounder Jacob Oram.
In Kane Williamson, they have discovered a top-order batsman who can provide steady starts. But their major problem remains inconsistency and the failure to click as a unit.
Despite a seemingly balanced line-up on paper, the Kiwis have more often than not been guilty of throwing it away from strong positions.
Their bowling department is faced with similar problems but Vettori could prove to be their trump card on the turning tracks here.
Bangladesh, on the other hand, are a sprightly mix which lost one and won one practice game heading into the big event.
Most of the team`s players are in their early 20s and what could work to their advantage is the comfort of the playing in home-like conditions.
The likes of Tamim Iqbal, Shakib Al Hasan and skipper Mushfiqur Rahim hold the key to their batting fortunes while Mashrafe Mortaza and Abdur Razzak will be leading the bowling department.
What the Tigers would be banking on is the element of surprise they bring in. Diminutive they might be in physical appearance but their lion-hearted approach to the game has won Bangladesh`s cricketers many an applause.
Given their similar fearless approach, it seems to be an interesting clash of the underdogs.
Teams (from):
Bangladesh: Abdur Razzak, Abul Hasan, Al-Amin Hossain, Alauddin Babu, Alok Kapali, Anamul Haque, Elias Sunny, Enamul Haque Jnr, Farhad Reza, Imrul Kayes, Jahurul Islam, Junaid Siddique, Kazi Kamrul Islam, Mahmudullah, Mashrafe Mortaza, Mohammad Ashraful, Mominul Haque, Mushfiqur Rahim (c), Naeem Islam, Nasir Hossain, Nazmul Hossain, Raqibul Hasan, Sabbir Rahman, Shafiul Islam, Shahadat Hossain, Shakib Al Hasan, Shuvagata Hom, Sohag Gazi, Tamim Iqbal, Ziaur Rahman.
New Zealand: Ross Taylor (c), Doug Bracewell, James Franklin, Martin Guptill, Ronnie Hira, Brendon McCullum, Nathan McCullum, Kyle Mills, Adam Milne, Rob Nicol, Jacob Oram, Tim Southee, Daniel Vettori, BJ Watling, Kane Williamson.
Taken from Zee News.
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20th Custom Woodworking Business Design Portfolio
People's Choice Winner:
Zongkers Custom Woods Inc.
Omaha, NE • zongkers.com
Project: Traditional Jewelry Box
Description: This traditional style jewelry box is made with walnut burl veneer with bird's eye maple for the trim. The veneers used in the marquetry were purpleheart for the roses, popular veneer for the leaves, with ebony and myrtle burl veneers for the scrolls. It is 20" wide x12" tall x 10 ½" deep.
My goals were to use veneer on the inside and outside with a matching grain pattern. Also by matching the veneer from straight sides to radius doors and adding marquetry to the top and all three radius doors with a rose theme pattern with scrolls mixed into the top.
The side and front doors have two different radiuses. I made two radius forms for veneering the marquetry and veneer onto the face and inside door at the same time in a vacuum press bag. I cut the marquetry using a packet method on a delta scroll saw and shaded some of the pieces in a hot silica sand to create shadow and depth.
I choose walnut burl for the main veneer for a natural rich background color, mixed with purpleheart veneer for the roses which is a great color to match up to the walnut burl without either wood being too over dominate of each other.
(See all Design Portfolio winners here.)
Construction Process: For the leaves a green popular was used to represent the natural color of the leaves of a rose bush. For the decorative pattern on the top dyed black maple was used for overlapping the scrolls and leaves for a mix and design balance. The scrolls on the top and stems on the radius doors have myrtle burl, which is a darker greenish brown, for the stems and scrolls to have a natural blending color. The trim on the box is a solid Birdseye maple, which was a great mix with the walnut burl. The Birdseye has a marble look to it and this helps lead your eyes first to the veneered walnut burl background and marquetry.
It has two side doors with a single rose done in marquetry and when opened it has two rotating necklace carousels to display necklaces. The front door has marquetry of three roses and when you open it there are three hidden drawers for more storage for the larger pieces of jewelry. When you open the top lid it has dividers that are made out of birds-eye maple.
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We're a group of ladies in and around Peterborough that meet on a fortnightly basis to chat, share latest information & experiences on IVF, adoption & fostering
We meet in the city centre in a lovely heated, confidential space with plenty of parking on alternate Saturdays from 10am - 12 noon
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We invite specialists to come and support /advise us: nutritionalists, stress busting yoga, hypnosis for fertility, relaxing Reiki, Chinese Herbs & Acupuncture. Some specialists run courses, others provide taster sessions or are our guest for a session
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