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Karen Consalus Price, a 1975 graduate of the University of Missouri, has been elected President of Pi Beta Phi Foundation's Board of Trustees, effective July 1, 2013.
Karen Consalus Price, a 1975 graduate of the University of Missouri, has been elected President of Pi Beta Phi Foundation's Board of Trustees, effective July 1, 2013. As President, Price will lead an 11-member board, volunteers and staff to achieve the Foundation's strategic priorities and mission. Price has held many leadership positions for both Pi Beta Phi Fraternity and Pi Beta Phi Foundation.
"Karen has a depth and breadth of Pi Phi knowledge and experience that will serve the Foundation well," President Kathy Nevill said. "She and the board will continue to work together to ensure the Foundation strengthens and maximizes its support for the Fraternity and its members."
Price joined the Foundation's Board of Trustees in 2011 and currently serves as Vice President Finance, where she chairs the Investment and Audit Committee as well as the Emma Harper Turner Committee, which grants financial aid to members in need.
Prior to volunteering for the Foundation, Price served the Fraternity in a variety of leadership positions, including Director Finance, Grand Vice President Philanthropy, Grand Vice President Finance and as an Ex-Officio Foundation Trustee. She also currently serves on the Alumnae Advisory Committee for the Missouri Alpha Chapter at the University of Missouri.
"Our Fraternity leaders recognized the need to establish Pi Beta Phi Foundation in 1990 to expand the existing support for our members and the communities they serve," Price said. "In the last 23 years, the Foundation's support has grown substantially for scholarships, leadership development, literacy programs and Emma Harper Turner grants. It is an honor and privilege for me to be able to serve as President and be a part of the Foundation's continued growth as we carry out our mission to help ensure the future of our sisterhood."
Price is currently Business Administrator for Ozark Chapel United Methodist Church in Laurie, Missouri.


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Ebstein's anomaly is a rare heart defect. In a normal heart, the blood flows in from the body to the right atrium. It then goes into the right ventricle. Next, the blood travels to the lungs through the pulmonary valve. Here, it picks up fresh oxygen. The blood returns to the left atrium and goes into the left ventricle. The blood moves out to the rest of the body.
This defect occurs when the tricuspid valve develops lower than normal in the right ventricle. Also, the valve does not open and close normally. This allows blood to leak in the wrong direction. Ebstein's anomaly can be mild to severe.
Ebstein's anomaly is present at birth. It is not known exactly why the heart does not develop normally.
Risk Factors
Specific risk factors for Ebstein's anomaly are not clear. 2 possible risk factors include:
- Chromosomal abnormalities
- Environmental exposure
- Certain medications taken by the mother during pregnancy
Symptoms vary depending on how severe the defect is. In some cases, there may not be any symptoms. In other cases, symptoms may include:
- Swelling in the abdomen and legs
- Blue or pale skin color
- Rapid heart beat or skipped heart beats
- Decreased energy
- Failure-to-thrive or gain weight as normal
- Shortness of breath
You will be asked about your child's symptoms and medical history. A physical exam will be done. During the exam, the doctor may detect a heart murmur.
Images may be taken of your child's chest. This can be done with:
An electrocardiogram may also be done to measure the electrical activity of the heart.
Talk with the doctor about the best treatment plan for your child. Often, surgery is needed right away. Treatment options include:
Medications may be prescribed to:
- Help restore normal heart rhythms
- Reduce fluid in the body
- Improve cardiac function
Depending on your child's condition, the doctor may recommend:
- Surgery—Surgery may be needed to repair or replace the tricuspid valve. This will reduce leaking.
- Ablation procedure—This procedure may be done if your child is having abnormal heart rhythms. A catheter is threaded up to the heart. Abnormal tissue is destroyed to stop the abnormal rhythms.
Lifelong Monitoring
Your child will have regular exams from a heart specialist. In some cases, your child may need antibiotics before some dental or medical procedures. This is to prevent infections.
There are no current guidelines to prevent Ebstein's anomaly because the cause is unknown. Getting appropriate prenatal care is always important.
Revision Information
- Reviewer: Kari Kassir, MD
- Review Date: 06/2016 -
- Update Date: 05/30/2014 -

subset: commoncrawl


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Former NH state trooper gets new state job after 2010 convictionStaff Report
March 05. 2014 8:14PM
A New Hampshire State Police trooper forced to give up his law enforcer career following a 2010 conviction for tampering with vehicle examination reports made a soft landing in the state corrections department, where he works as a civilian collecting court-ordered fees.
Lawrence A. Fredette III of Meredith was hired in May 2012 as a case technician level 2, state Department of Corrections spokesman Jeffrey J. Lyons said this week.
Fredette, who earns $29,094 annually, is responsible for collecting any restitution, fines or fees the court orders a convicted defendant to pay, then ensuring the money is distributed to the designated party, Lyons said.
Fredette, who was forced to surrender his law enforcement certification and resign from the New Hampshire State Police following his 2010 conviction, works as a civilian at the division of field services, which is located at the state Corrections Commissioner's administrative office at 105 Pleasant St., Lyons said.
"He never goes to the prison. There is no reason for him to. It is basically a desk job. They send out bills and make phone calls to people who owe money," Lyons said.
Fredette was convicted and sentenced June 10, 2010, in Concord District Court on three counts of tempering with public records while he inspected commercial licenses at New Hampshire State Police Troop G Barracks - Commercial Vehicle Enforcement.
A state police investigation revealed he submitted 15 fictitious driver-vehicle examination reports.
Fredette was sentenced to 90 days at Merrimack County House of Corrections, all suspended for six months. In addition, he had to complete 20 hours of community service and pay $260 in restitution to the state.
Fredette applied for one of three case technician positions available with the state corrections department in 2011, Lyons said. He was one of three applicants who applied and was hired, Lyons said.
Lyons said the hiring process included a review of Fredette's prior criminal history to determine if it would affect his ability to perform the job.
"It was our conclusion that he would be an appropriate candidate for this position," Lyons wrote in a statement.
"We followed all of our hiring policies and practices and it is our belief that Mr. Fredette has already proven to us that he is a dedicated hard-working corrections employee and will continue to be so," Lyons said.
Fredette did not return a call Wednesday.
Fredette's wife, Ella M. Fredette, also is a state corrections department employee who earns an annual salary of $41,710.50 as a human resources coordinator level 2, Lyons said.
Ella Fredette worked for the department from about 1993 until the mid-2000s, Lyons said. She left for a period of time and returned about three years ago, Lyons said.
Crime, law and justice Public Safety Transportation Meredith Concord Top Section Stories Business Headlines


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Bank of Canada Governor Mark Carney was unexpectedly appointed as the next head of the Bank of England, succeeding Mervyn King.
Carney, 47, takes the helm of a 318-year-old institution that's preparing to become the most powerful central bank in the world as it absorbs broad new powers to oversee the financial system and prevent another crisis. He'll also have to guide the Monetary Policy Committee as it implements unconventional tools to stoke a recovery and battles to protect the inflation- fighting credibility earned since it won independence in 1997.
Carney is currently head of the Group of 20's Financial Stability Board. He worked at Goldman Sachs Group Inc. for more than a decade before becoming a policy maker in 2003, and took over as chief of Canada's central bank in 2008. He has pushed for tougher regulations for global lenders and clashed with banking executives over new rules requiring them to hold more capital. His appointment was announced by Chancellor of the Exchequer George Osborne in a statement to Parliament today.
"His CV looks terrific," said Shamik Dhar, a former Bank of England economist and head of investment strategy at Aviva Investors, which oversees $409 billion in London. "He's obviously an extremely good experienced leader of a central bank and is a very credible appointment. Given his background with BIS it makes it internationally credible. He'll have quite a big upfront job getting familiar with the circumstances in the UK. But he's not going to do badly."
Surprise Decision
The pound erased its decline against the dollar after the announcement. It was trading at $1.6026 as of 3:47 p.m. in London, unchanged from yesterday. Government bonds stayed higher, with the yield on the 10-year gilt at 1.84 percent.
Carney, who has previously signalled he wasn't a candidate for the job, defeated bids from contenders including Paul Tucker, the central bank's deputy governor for financial stability, and Adair Turner, head of the Financial Services Authority. The appointment follows the U.K.'s first use of an application process for the position at the top of the central bank.
He'll face an approval hearing at U.K. Parliament's Treasury Committee before the new job commences on July 1, the day after King steps down. Carney plans to serve for five years, Osborne said.
"He quite simple is the best and most experienced person in the world to be the next governor to the Bank of England," the chancellor said. "Mr. Carney will bring the fresh perspective needed."
Copyright 2014 Bloomberg. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
Copyright 2014 Bloomberg. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.


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This interview was originally broadcast on June 25, 2012.
For seven seasons, Alec Baldwin has starred as the TV executive Jack Donaghy on the NBC hit sitcom 30 Rock, which will have its final episode on January 31. Jack Donaghy is a far cry from Baldwin's more dramatic roles in the '80s, '90s and 2000s, when he starred in movies like The Hunt for Red October, Glengarry Glen Ross, The Departed and The Cooler.
He tells Fresh Air's Dave Davies that he decided to make the switch from movies to TV a decade ago, mainly because it better suited his schedule as a father.
"Often in films, you have no idea where you're going to be six months from now," he says. "And I grew very weary of that. And television, although it wasn't necessarily as creatively diverse as filmmaking can be, it was the lifestyle choice that I needed to make."
Playing Jack Donaghy in the series has established Baldwin as a tour de force in the comedy world. He based the character, he says, on several already-existing GE and NBC executives — and SNL creator Lorne Michaels.
"Professionally, he's a prototype of several GE executives, but in his personal life, he's [SNL creator] Lorne Michaels. As I always say, 'Lorne is someone who has a tuxedo in the glove compartment of his car.' And Lorne is a friend, and I adore Lorne. But we do stick it to Lorne a lot," says Baldwin.
He says he also thinks of Donaghy as a guy who's always in a hurry — a guy who likes to get things done.
"I never think, 'Oh, how can I make this guy more arrogant or bombastic?' " he says. "I think to myself, 'There's something he wants, and he wants to get it done.' You have to think, 'What does he want? And how does he go about getting it?' "
Interview Highlights
On public scrutiny
"I've had these difficulties lately with the press. This guy almost hit me in the face with a camera in New York the other day. And I find that it's very, very difficult now to navigate those waters. Everybody I've ever worked with — 99.9 percent of the time, I've had a successful or very agreeable experience with. And there are these legit press opportunities that you do, and then there's what I call the illegitimate press, and in the age of the Internet, they're very strong and they're very omnipresent, and dealing with them becomes — and what I'm learning in this last go-round is that my desire to live a normal life — to have an apartment in New York and to walk out the door like any other New Yorker does, and just live my life — it sometimes, it's not possible. I know some people who live this much more insulated life in Los Angeles, where their feet never touch public ground. They walk out of their bathroom, their living room, they get into their garage, their car, and the next thing you know, they're at the valet parking of the restaurant or the store or the office. They're in a bubble the whole time. It's very hermetic. And I never wanted to live that kind of life. I hated that idea. But I'm beginning to see now it really does become necessary. It's sad. It makes me sad."
On working with Woody Allen
"You don't really need [a backstory] with Woody. With Woody, it's all there. There's a lot of times, if the film is not as well-written, you end up hungering for things that aren't there. As an actor, you get very proppy. I've done films where it's been like, 'Let's talk about my character's luggage.' You go crazy because you're struggling to fill in these holes because there's not enough on the page for you to play. I think if it's well written and you have a clear understanding of what everybody wants, you just say the words to the best of your ability and it pretty much takes care of itself."
On location-based shoots
"There are some times when you make films and you travel places, and the take that people in the business have is that the worst way to see a city is to shoot there, because you work these long 12-, 13- and 14-hour days, and you go home to the hotel, you eat and you pass out. And you don't have a chance to explore, unless you have a lot of days off. But Woody shoots very civil days. You work 10 or 11 hours, and they're never long, long days. He likes to work at a very moderate pace. He wants to work hard and he wants everyone to know their lines and get to a better take. We can't luxuriate. But this was an opportunity to relax and see Rome. Every night my girlfriend and I would walk around Rome. And I just love Rome. It really does cast a spell on you."
On his musical interests
"I turned popular music on the radio, and I never listened to it again after that, in about 1985. That's when I switched over to classical music, and I pretty much stayed with that since then. There's almost no popular music I listen to now. I'll hear it because it's everywhere. ... Music is ubiquitous now."
This is FRESH AIR. On "30 Rock," Alec Baldwin plays a ruthless, conservative, manipulative and endlessly ambitious NBC network executive named Jack Donaghy. As "30 Rock" approaches its final episode next week, Jack has gotten the promotion of his dreams and now runs the entire corporation for the parent company.
Baldwin won Emmy Awards in 2008 and 2009 for his role on "30 Rock," and he's one of the all-time best guest hosts on "Saturday Night Live." In addition to that and other TV work, Alec Baldwin also has a lengthy resume in films. FRESH AIR contributor Dave Davies interviewed Alec Baldwin in 2012.
In the '80s and '90s, you did so many dramatic roles that got a lot of attention, you know, "Working Girl," "Glengarry Glen Ross," "Hunt for Red October." And I know that you started in TV, you know, you did a daytime soap and then "Knots Landing." Did you ever imagine that you'd be working in a TV sitcom?
ALEC BALDWIN: I didn't really think about it. I had put my toe in the water to do a television show, and most of it had to do with lifestyle. I was divorced and my daughter lived in Los Angeles, and I needed to have a regular schedule. And in the film business very often you have no idea where you're going to be six months from now, you know, you wake up one day and someone says we're going to go to Australia.
And there may be a creative opportunity there or even a commercial opportunity there, but I grew very weary of that, and television to me was - although it wasn't necessarily as creatively diverse as filmmaking can be, it was the lifestyle choice that I needed to make.
And then Lorne Michaels, who's been a friend of mine for years, came to me and said do you want to do this show. And I thought, well, it shoots in New York, Tina's the writer, and Tina's obviously an incredibly talented woman. And...
DAVIES: Tina Fey, yeah.
BALDWIN: Tina Fey. And the schedule was such where it really was easy for me to have time off to go see my daughter, who lives in Los Angeles. So I was commuting there a lot. I would go there every other weekend when she was much younger. And I did that show, and then the miracle was that it was creatively as successful as it was.
I mean, the ratings for "30 Rock" have never been big, but creatively it was a big, big bonanza. You know, there was a - like, after the second year, that second, third and fourth year, we won all these prizes again and again and again. And everybody was very gratified by that. And plus, there was the thing where we were up against Sorkin's show.
Sorkin wrote "Studio 60," and we thought, you know, they're going to win and we're going to lose, they're going to get rid of one of us. And we thought it was definitely going to be us because of Sorkin and Matthew Perry and Brad Whitford, and there was all these people who had these legacy relationships with NBC.
But we survived, and we were kind of blown away by that. So we did the show, and now this coming fall we have 13 episodes in a shortened seventh season, and then we're done, we're off the air, the show is over.
DAVIES: Let's listen to a clip. Your scene is Jack Donaghy, he's a, you know, a TV executive, and of course Tina Fey plays Liz Lemon, who I guess is the head writer of a show, kind of like herself. And the relationship between the two is fascinating. This is a scene from season six, where Jack Donaghy has seen Tina Fey kissing a man on the street and tries to find out who she's seeing.
And usually she confides a lot of her life to him. She suspects he won't approve of this new guy. Anyway, let's listen.
BALDWIN: (as Jack Donaghy) Lemon.
TINA FEY: (as Liz Lemon) I'm on top of the Tracy thing. I just spoke to him.
BALDWIN: (as Jack) Actually, I want to talk to you about something else. Because of my unfortunate situation with Avery, I'm alone. And I know of course that you're not seeing anyone. Therefore, I've decided that you and I should become friends with benefits.
FEY: (as Liz) No, thank you, please.
BALDWIN: (as Jack) A-ha, the only reason you would reject that offer is if you had a secret boyfriend.
FEY: (as Liz) Right, that's the only reason.
BALDWIN: (as Jack) I saw you, Lemon, at the movies last night with your mouth on a man. Why would you keep this from me after all of our time together? This is hurtful, Elizabeth. What's his name?
FEY: (as Liz) I don't want to tell you.
BALDWIN: (as Jack) Why? Is it a stupid name like Dakota or Barack?
FEY: (as Liz) His name is Criss, and I'm sorry, but for my own reasons...
BALDWIN: (as Jack) And Criss is spelled?
FEY: (as Liz) No H and two S's. That - right there, that's why I didn't want to tell you, because I knew you wouldn't approve of him.
BALDWIN: (as Jack) Why? What does he do for a living?
FEY: (as Liz) Criss is trying to...
BALDWIN: (as Jack) You can stop right there.
FEY: (as Liz) He's an entrepreneur. He is currently meeting with investors in the hopes of starting an organic gourmet hotdog truck.
BALDWIN: (as Jack) Lemon, I have said good God to you before, but I don't think I've ever meant it until now. Good God! Where does this person live?
FEY: (as Liz) Don't worry about it.
BALDWIN: (as Jack) How bad can it be, Jersey City? His parents' apartment? It's not a walkup, is it?
DAVIES: And that's our guest, Alec Baldwin, and Tina Fey on "30 Rock." You've known a lot of entertainment executives in your days. Did you draw on any of them in creating Jack Donaghy?
BALDWIN: When the show first started, GE owned NBC, or they had the controlling interest in NBC. And so we spent many years sending up the GE culture, but I mean in a very funny way, and the GE people would laugh. Jeff Immelt would come to the set like once or twice a year and say, you know, you guys are funny.
And the character was kind of a prototype of a GE executive, and in his personal life, in his personal ethic, he's Lorne Michaels. He's going to live a certain lifestyle in terms of comfort and creature comforts. And as I always say, Lorne is someone who has a tuxedo in the glove compartment of his car.
You know, he goes to events, and he's very much in the - he's very much a pillar of the social network and the power structure of New York media and so forth. And so - and Lorne is a friend, and I adore Lorne. But we do stick it to Lorne a lot.
And I just think of it as a guy who's in a hurry, and he has no apologies. You know, he's someone who - I mean there's a lot of people today who you go into rooms with people, and you're trying to convince people to do what you want them to do, you're trying to get permission from them to do what you want to do, and this guy is much more of a, you know, from the Patton school. You know, you don't ask, you tell.
You don't wait to see how people feel about it. You know, we don't sit down and hold hands in some human resources meeting to make sure everybody's OK with the orders I'm giving. This guy is very old-school in that you just tell people what to do and you're just much more direct.
And I never think of it, never do I think oh, how can I make this guy more arrogant, bombastic. I think to myself, there's something he wants, there's something he wants to get done and there's a way that he does it.
DAVIES: For him, life is simply more efficient if everyone recognizes that the way he sees things is the way they are.
BALDWIN: If everyone would just do what I tell them to do, when I tell them to do it, the way I tell them to do it, everything would be fine.
BALDWIN: And you would benefit, too. All of you would benefit from it, too, if you would just listen to me, everything would be great. That's kind of - he's from that school.
DAVIES: I want to play one more clip. This is a clip from the third season of "30 Rock," in which Liz Lemon, Tina Fey's character, has been dating a guy, Drew, who's played by Jon Hamm, who is very handsome. And she has come back from lunch with a doggie bag from this very exclusive restaurant called "Plunder," and she's just amazed at the way life is when you're with someone who is this attractive.
And your character, Jack Donaghy, explains about the bubble. Let's listen.
BALDWIN: (as Jack) You went to Plunder for lunch? How did you get a table?
FEY: (as Liz) I don't know. It was packed, but they just gave Drew a table. It is ridiculous how people treat him. The chef sent over food. Ladies sent drinks. Mayor Bloomberg asked him to dance.
BALDWIN: (as Jack) Well, beautiful people are treated differently from moderately pleasant-looking people.
FEY: (as Liz) It's true.
BALDWIN: (as Jack) They live in a bubble - a bubble of free drinks, kindness and outdoor sex.
FEY: (as Liz) How did Drew turn out as well as he did going through life like that?
BALDWIN: (as Jack) The bubble isn't always a bad thing. Look at me. I turned out OK, didn't I?
FEY: (as Liz) Jack, I want you to pay close attention to the following over-the-top eye roll: Oh, brother.
BALDWIN: (as Jack) Lemon, I don't share this often but this is a photo of me when I was 25 years old.
FEY: (as Liz) What the what? You have a Superman chest.
BALDWIN: (as Jack) I know.
FEY: (as Liz) Oh my God. The lady will have two tickets to the gun show. And your eyes were so much bluer. What happened to your eyes?
BALDWIN: (as Jack) My point is, Lemon, the bubble doesn't last forever, so get in there with Drew and enjoy those perks while you can.
FEY: (as Liz) Can I keep that?
BALDWIN: (as Jack) No. It's my only copy.
How awful.
DAVIES: Our guest Alec Baldwin with Tina Fey in a season three scene from "30 Rock." When you got that script, did you think about your days, I don't know, in a different kind of bubble when you were like that - in your 20s and a hunk of Hollywood?
BALDWIN: When I made films, I really didn't kind of understand what I had gotten myself into. You know, and that's another thing I love about Tom, when we did "Rock of Ages," was Tom was someone who - he had a better understanding of what he had gotten himself into, you know, like and how to ride that wave, and because moviemaking is a very unique thing, and making movies on that level is a very unique thing.
And I did that for a few years, and I realized that you really do need to make it the most important thing in your life, which I guess I wasn't willing to do. You know, starring in films for studios, in those kind of big-ticket films, you get a period of time, especially when you're younger, and when that doesn't work out, your career evolves into something else. You go do independent films, and there's less money at stake, and it's more - I think it's less risky, the investment for people, obviously.
And then you turn around, and you're 40, and then you turn around, and you're 50. I think the thing to try to do along the way is just to try to learn more about acting and how to do it better, you know, whatever that means, to economize and to commit and to be more honest and to try to vary it and not duplicate what you've done before.
That's the one thing about the TV show that is tough is that you do play in the same key all the time. And even though the writing itself is clever, when the show ends - I guess it is ending at a good time because I do find myself very, very ready to stop playing in that key because it has been seven years.
BIANCULLI: Alec Baldwin, speaking to FRESH AIR contributor Dave Davies last year. "30 Rock" concludes its seven-year run on NBC next week. We'll continue our salute to "30 Rock" in the second half of the show. I'm David Bianculli, and this is FRESH AIR. Transcript provided by NPR, Copyright NPR.


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Report | San Francisco Office Highlights - Q3 2012
The Office Highlights report provides a detailed look at activity levels across the office market spectrum spanning the leasing, sales and development environment. The quarterly report, produced across all the metro areas we cover, details specific lease transactions, new construction projects and sales transactions, among other topics.
To access the report, simply complete the form.


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Stony Brook creates unrefined vegetable oils made from roasted squash seeds. While this process sounds simple. Stony Brook goes the extra mile to make sure everything is done right. The oils are expeller pressed, which means that the oil is mechanically pressed from the squash seed without added heat or chemicals. Unlike most other commercially available cooking oils (like canola and grapeseed), Stony Brook does not chemically alter the oil as part of the production process. No other oils are added or blended in--each bottle is 100% pure varietal seed oil from local farms.
Seeds are roasted, pressed, lightly filtered, and the oil goes right into the bottle--simple as that. The seeds yield relatively little oil (compared to olive or grapeseed) so the seeds of many squash are needed to produce a single bottle. As a plant-derived oil, Stony Brook Squash Seed Oil is high in unsaturated fat, particularly unrefined omega 6 fatty acid (linoleic acid) and a moderate amount of monounsaturated fat (oleic acid). It has slightly more saturated fat than other seed oils, approximately the same amount as peanut oil-or one-third the saturated fat of butter. The oil is shelf-stable and has a smoke point of approximately 250 F. Also unique to this oil is the high amount of vitamins A and E relative to other vegetable oils. Stored in a cool dark place, the oils will retain optimal flavor up to six months after opening, or up to one year unopened. So take a break from everyday olive oil and treat your self and your health to Stony Brook's exceptional squash oils.


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The world of wealth management—whether for RIAs, IBDs or wirehouses—changes constantly to keep up with market forces, Washington policy, technological innovation and client demand. Every year brings its own challenges, but 2013 is likely to be an exceptionally dynamic year for change.
Whether the change comes internally due to industry growth or externally due to economic and other pressures, wealth managers in 2013 are watching events closely to understand how they might affect their high-net-worth clients, say analysts for the Aite Group in their "Top 10 Trends in Wealth Management, 2013" report published this month.
"Regulations, business and servicing models, and operating models are all still adjusting to the post-crisis business environment, and the main goal for many firms is to finally be able to kick their wealth management business into gear and once more accelerate growth in this line of business," the analysts write.
Aite concludes that "a heavy dose of change" will dominate the sixth year following the start of the financial crisis. Although Aite believes that wealth management profitability will continue a flat growth trajectory in 2013, it also predicts that firms will seek to grow either by providing differentiating and revenue-enhancing services to clients or by reducing the cost of serving clients.
1) Operating and Growth Strategies: Acquisitions vs. Partnerships
In 2012, several of the largest U.S. wealth management firms completed acquisition deals, says Aite analyst Sophie Schmitt. For example: Raymond James completed its acquisition of Morgan Keegan, Morgan Stanley finalized a purchase agreement with Citigroup to acquire the 49% of Smith Barney it does not already own, and Cetera Financial completed its acquisition of Genworth Financial Investment Services.
This year, the largest wealth management firms will continue to pursue growth strategies that involve acquiring or building internally, Schmitt predicts, while small and midsize wealth management firms will choose to expand or update their wealth management capabilities through partnerships with their service providers.
"Clearing firms such as National Financial and Pershing, and third-party broker-dealers such as Cetera Financial Institutions, LPL Financial Institution Services and Raymond James' Financial Institutions Division, will continue to see strong business growth in 2013," she writes.
2) Investment Advice Regs Drive Business Model Changes
The most significant change to the global financial advice industry will take place this year not in the United States but in the United Kingdom and Australia, Schmitt predicts.
As of Jan. 1 in the U.K. and July in Australia, all licensed advisors must move to a fee-for-service model. "Commissions and inducements from product providers will be banned, and advisors can only charge clients an ongoing fee if they provide an ongoing service," writes Schmitt, who adds that wealth management firms in those countries will concentrate technology and services spending on tools to automate and track service.
In the United States, the proposed uniform fiduciary standard for all financial advisors has a better chance of becoming law now that President Barack Obama has won re-election and pro-investor politicians such as Sen. Elizabeth Warren have been nominated to key financial services regulatory roles, Schmitt believes.
"We expect the Securities and Exchange Commission to draft a proposed fiduciary standard rule by the end of 2013," she writes. "This effort will accompany (though not necessarily mimic) a Department of Labor proposal to extend the scope of ERISA's fiduciary standard to all financial advisors when they give advice on 401(k) plans to their own clients or to employees through worksite visits. Implementation of both the SEC standard and the DOL enhanced standard is likely to take place in 2014 or 2015."
3) RIAs Reach for Greater Efficiency
"The registered investment advisor market has been one of the big success stories in the U.S. wealth management industry since the start of the 2008 financial crisis," write Aite analysts Bill Butterfield and Alois Pirker in the report. "RIAs have been able to take between 0.5% and 1% of market share annually from other wealth management industry segments over the last five years."
However, RIAs' small size means challenging operational efficiencies, Butterfield and Pirker say. "Two-thirds of independent RIAs estimated the level of technology integration across their business applications to be 50% or less," they write.
On a positive note, Butterfield and Pirker predict that RIAs' technology and operations disadvantages could soon be a thing of the past due to web-based technologies and software-as-a-service practices.
"A diverse set of firmsranging from custodians like Fidelity Investments, Charles Schwab and Pershing to broker-dealer firms like LPL, Raymond James and National Financial Partners (NFP) to technology players like Advent Software and Morningstarhave all been investing in technology platforms targeted at RIAs," they write.
4) More Intergenerational Wealth Management and Advisor Succession Planning
Advisor succession planning will be a top issue for the foreseeable future, say Pirker and Schmitt.
"Advisors are likely aware that many of their wealthy clients scrambled in the last few months of 2012 to transition a significant amount of their wealth to heirs to take advantage of the generous estate tax exemption that was expected to disappear in 2013," Pirker and Schmitt write. "This transition may trigger the wake-up call that financial advisors need to focus on their own succession planning."
Aite expects that advisors in 2013 will get more serious about finding their ideal successor and connecting them to their clients' children—"the key to their practice's longevity." A 2012 Aite survey of advisors found that 40% of practice owners surveyed wish to transition their practice to another party within 10 years, yet of advisors who are within two years of transitioning their practice to a successor, more than 40% lack a succession plan.
"Advisors who fail to plan for this transition run the risk of seeing a substantial portion of their clients leave the practice following the transition," warn Pirker and Schmitt. To avoid such a fate, advisors should start planning early for a transition, the analysts say, noting that mergers-and-acquisitions consultants suggest starting to plan for an internal succession at least 10 years before the transition.
5) International Firms Reassess Global Operations
The good old days of asking a wealth management firm's real estate department to find some office space in the financial district of a city abroad is essentially over for advisors, asserts Aite analyst Chris Thrappas.
"On the retreat internationally are wealth management firms with home markets in countries that had a difficult time during financial crisis, like the United States and United Kingdom," Thrappas writes. "On the offensive internationally are firms with home markets in countries that have weathered the crisis reasonably well, like Canada, or must do so to survive in the new era of financial services, like Switzerland."
6) Family Offices Move Down-Market to HNWIs From Ultra-HNWIs
External asset managers, who sometimes bill themselves as financial intermediaries or independent wealth managers, have traditionally served ultrahigh-net-worth clients with more than $30 million in investable assets through a family office investment vehicle. Now, Thrappas says, this investment management model is moving down-market toward the high-net-worth client segment of $1 million or more in investable assets.
"While some of the ancillary services associated with family offices may not be provided for clients below this level of assets, this investment management model has been moving down-market … and it is expected to grow further globally in 2013," he predicts.
7) Engaging the Active Trader
With stock trading volume and net retail deposits into stocks expected to continue their decline, the holy grail for online brokerage firms is engaging the active trader who places at least three trades a month, according to Aite analyst Javier Paz.
Such traders "are a diverse bunch of mostly younger-than-40 urbanites with the common denominator that they are not afraid to push the 'eject' button when an investment firm is unable to meet their needs," Paz writes. "For 2013, we predict that online brokerage firms searching for these holy grail traders will expand their asset class offering to include foreign exchange and options trading."
Online brokerage firms including Charles Schwab, E-Trade, TD Ameritrade, and Fidelity have traditionally focused on the casual stock trader who trades less than 36 times per year and have largely disregarded the views of active traders, says Paz. But he believes that the tide is shifting, and large online brokerage firms have little choice but to compete for the active-trader business in 2013.
8) Cloud-Based Trading
During Superstorm Sandy, Knight Capital had to ask its clients to temporarily route trades to other destinations, and this dilemma lends insight into the questionable practice of housing "mission-critical" trading operations internally rather than in the cloud, Aite's Paz argues.
In 2013, he says, trading ops will start moving to the cloud at a faster pace. Already, more than $200 billion of notional FX volume transacts collectively at cloud-based solutions from large brokerage technology firms such as Integral and Currenex, Paz notes.
"Firms like Equinix, Savvis and Interxion, in turn, hope to make their data centers the most complete ecosystem of capital market participants (exchanges, bank trading engines, broker-dealers, buy-side players, software vendors and market data providers), all in close-enough physical proximity to be cost-effectively cross-connected on an on-demand, bespoke basis," Paz writes.
9) U.S. Politics Still Matter
After Obama's re-election, Congress averted the worst potential effects of the fiscal cliff due to last-minute negotiations between Vice President Joe Biden and Senate Minority Leader Mitch McConnell. Obama's second term will translate to a continuation of Dodd-Frank Act policies and less regulatory uncertainty, says Aite analyst Paz.
The choice of Jacob Lew as the next Treasury secretary is "a safe choice," Paz writes, while change at the helm of the Commodity Futures Trading Commission could take place, "though it is more likely that Obama will ask the combative (and much disliked by the industry) Gary Gensler to serve a second term." As for who becomes the next head of the Federal Reserve, Paz picks incumbent Ben Bernanke.
Looking at the IRS and taxes, Paz writes: "The partial bargain contained in the American Taxpayer Relief Act of 2012 has introduced a strong theme for wealth managers to engage their client base this year: tax policy changes. With these changes impacting income tax rates, estate taxes, capital gains rates and exemptions, investors will seek to understand the changes, evaluate their portfolios and take steps to minimize the tax impact. More likely than not, the capital markets industry will spend a good part of Q1 2013 analyzing the changes and of the next two to three quarters issuing recommendations that should lead to substantial portfolio realignment and hefty levels of securities trading."
10) Growing Popularity of Technology
Advisors may have shunned technology in the past when conversing with clients, but that practice is giving way as financial planning tools have become easier to use and more accessible across a number of devices and networks, says Schmitt.
"At several of the largest wealth management firms, advisors have recently begun to benefit from new advisor financial planning tools, which can be used in collaboration with clients and accessed by clients online through their client sites for 'always-on' connectivity to their financial plan," Schmitt writes.
Raymond James, for example, has actively promoted its recent deployment of Goal Planning and Monitoring, powered by MoneyGuidePro, to allow advisors and their clients multiple levels of planning via the customer relationship management, or CRM, platform.
Check out more Top 10 lists at AdvisorOne, including:


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Many of us have routines or even superstitions that are part of our athletic make-up. For me, it's the power of the Friday night video game.
I'm not who you would call a superstitious person. I don't believe in the evils of black cats, broken mirrors or the 13th floor. There are no lucky socks in my closet to wear when I watch my favorite sports teams and no special dances, drinks or dining locations either. But I do believe in the power of the Friday night video game.
In college, every Friday night before a cross country or track meet, my teammates and I would go to Luigi's for pizza. Luigi made the best pizza and stromboli around! Well, not really. What Luigi did have was "the game." It was the old-fashioned retro Track & Field game. You can keep your Pacman, Asteroids and Centipede. We played hard-core Track & Field – and a Friday night without it meant a Saturday meet with no win and no personal bests. The power of the Friday night video game was honest and true, especially when you managed to knock the bird out of the air with the javelin.
Many of us have routines or even superstitions that are part of our athletic make-up. Football and baseball team players who touch the stone mascot before every game, soccer players who sleep in their uniforms the night after a victory (yeah, I knew a guy who did that) and the usual runner's lucky shirt – all part of the power of routine and positive reinforcement.
I have never poo-pooed anyone's need for one of these gimmicks or routines or psych-ups. Actually, these routines and beliefs are quite healthy and good. A runner needs a steady routine of preparation before a race. Stretching, warm-up runs, food and drink, mental visualization and more can sometimes make or break a great performance.
My very first road race was the 1979 Harrisburg Marathon. Since then, I have worn the shirt from that race to every marathon I've ever run… except one. In December 1986, I traveled to Maryland for the Baltimore Marathon. When I got to my hotel room and unpacked, I discovered I had not brought "the shirt!" Needless to say, I stressed enough to end up DNFing the next day (DNF = did not finish).
Sometimes, routine borders on obsessive and damaging, as in my experience from 1986. But a solid routine, and even small dose of Friday night video game night at Luigi's, helps put you in the right frame of mind to compete. My college friends and I used our Friday night video games to relax, talk race strategy, and pump up each other. We didn't obsess but we did realize the power of those gatherings.
Cross country and track teams all across the country regularly host team dinners, picnics and other gatherings as the season begins or even mid-season, as a way to bond with each other. These routines are a part of their chemistry and can lead to break-out performances. And how many of us have gone to the pre-marathon pasta dinner the night before race day? I personally prefer pancakes and bacon.
Mmmmmm, bacon.
The key to any routine, gimmick or psych-up is to make it your own. You may have one already and not even realize it. And ALWAYS know that, unless it is part and parcel to the chore at hand (like a good warm-up or the right calorie intake) a lucky shirt didn't run those late fall work-outs for you – YOU did that – and no lack-of-shirt is going to ruin your effort. Kinda wish I had that one over again.
So whether you play football for the Fighting Irish and "touch the sign" or you sing "feet don't fail me now" like the Padua Pandas do before every meet, know that you are not alone in these pre-race mechanics. But please wash your race outfit before bedtime, and if you happen to own the retro Track & Field video game, I'll see you Friday night.
Former Lock Haven University stand-out runner Andrew Shearer is the Middletown Athletic Club secretary/treasurer. Shearer has been running since 1978.


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Beaumont/Port Arthur
The Master's Men Annual Winter Celebration, which brings the best artists in Southern Gospel to Southeast Texas every February is scheduled for Feb. 23 at Silsbee High School Auditorium, located at 5 p.m., with doors opening at 4 p.m.
This year's guests include Triumphant Quartet, Jeff and Sheri Easter and 11th hour.
While we harbor no disrespect for the Wall Street Journal who called us "that scrappy little paper from Southeast Texas," we prefer to think of ourselves as simple seekers of the truth. We're of the opinion that headlines and sound bites never tell the whole story. Our readers demand all the facts, facets and flavors of every story or event. And, they expect to be informed, educated and stirred to action.
For this week's New York Times crossword puzzle, pick up a copy of this week's The Examiner on newsstands now.


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MBO Brokers are experienced, professionally trained licensed real estate agents. We are dedicated to understanding and handling the special requirements and needs of both buyer and seller. MBO is not a franchise - You will be working with a Principal, not an employee.
Kris Muradian, President and Principal Broker received his real estate licen
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Muradian Business Opportunities
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The first few years of life are the most crucial in an individual's development. It is at this stage that proper foundations for later development are laid, skills are learnt, and values and attitudes are formed. KinderCare devises innovative and interesting ways of learning. They provide the toddlers with a world scaled to his/her level. Ample companionship of his/her age. Their schools are modeled as support structures for nuclear families with Day Care and Creche facilities.
|Play- based
|mostly teacher led
|not formally in curriculum
|conducive environment
|Oral language
|Nursery rhymes, poems, songs
|Storybook reading
|Emerging literacy skills
|Cognitive development
|Math & number sense
|Time & space
|Sci. reasoning/physical world
|Visual arts
|Physical activity
|Other subjects taught
|"We want to help you give your child every advantage. That's why we've created p.e.t.a.l. - programs for enrichment tutoring and accelerated learning - optional programs with specialized instructors and personal attention in small group settings. All within the trusted environment of KinderCare. Hooked on Phonics Hooked on Math Music." Extracted from www.kindercare.com
"We Promise
...to honor your role as a parent and to partner with you in the care and development of your child.
...you will feel completely confident and reassured when you leave your child with us.
...you will know that we value your child as a unique individual to be nurtured, protected, and respected at all times.
...you will know that committed, dedicated educators are caring for your child.
...you will watch your child develop a love of learning and a rich imagination.
...you will see your child develop strong bonds with our teachers and other children.
...you will share in the joy of your child's experiences in our center through regular communication.
...you will be treated as an important member of our family.
...you can expect us to listen carefully and respond quickly to any questions or concerns.
...you will know that it is our privilege to serve your family."
Excerpted from Preschools Website
Each day, KinderCare provides a balanced approach to learning, giving parents the peace of mind that children will have fun as they develop socially, emotionally, physically, and intellectually. KinderCare gives your child the tools to become confident and self-aware. In a caring and stimulating atmosphere, passionate and engaging teachers give your child endless opportunities to grow, learn, and imagine -- whether building a spaceship to blast off to Mars or inviting a new friend to share a story during group time. While academics play a role in development, we believe there are many other opportunities for enhancing the whole child.
The anxieties a child may feel at drop-off time are completely normal -- and so are the parents'! It's encouraging for parents to know that there are many positive (and peaceful) ways to say goodbye at school that will help build a child's confidence.


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Puzzle Levels
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Traiphum's Dinomorphix - Black Body
Product Information
|mix up and put back to start
|Level 8 - Demanding
|Calvin's Puzzles
|Other Rotational Puzzles
|3.4 in x 3.4 in x 2.6 in / 8.5 cm x 8.5 cm x 6.5 cm
Product Description
This puzzle, designed by Traiphum Prungtaengkit, is a hybrid of face-turning and vertex-turning tetrahedron.
We have been prepared this cube for more than half year. This long waiting cube turns smooth, in pillow shape with 8-armed ball core. The goal is to scramble the puzzle and then restore each face to it's original colour. Thanks for the brilliant design of Traiphum.
PS: the 8-armed ball core also fits for modifying the mosaic cube.
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API management platform company 3scale has launched APItools, a free service for developers as a tool to track and monitor all of an application's API traffic.
The product also includes the capability to transform and modify inbound and outbound traffic, as well as analyze flows to detect peaks and problems.
By helping application developers interact with APIs, the firm aims to remove barriers to API adoption and unlock their value. APItools saves developers time in terms of learning how an API works, allowing them to test and debug their app, and provide simpler way to transform traffic, and use middleware keys and headers.
Operations teams are also said to benefit from APItools' ability to monitor their API endpoint/methods, control all traffic for different apps in one place, and set up tests/alerts for errors.
"As the API industry continues to evolve, developers increasingly depend on APIs for applications to function, but managing the dependencies this creates can be extremely time consuming. Over time we've built internal tools to help do this and APItools makes these accessible to others for use," said Steve Willmott, CEO of 3scale. "The launch of APITools is our latest effort to bring APIs to the mainstream and help both API providers and developers realize their value without the friction that exists today."
"I've been using APItools internally to track API Traffic and at hackathons for projects and it's great to have this visibility and control," said Nicolas Grenie, one of 3scale's developer evangelists. "Although there are a lot of tools out there to manage APIs as a provider, if you're a developer using those APIs there is little available, so it's great that we can release this for wider use."


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TUSCALOOSA | Not long after his daughter was killed, Leon White sat in a room with the man now accused of killing her. Mike Hayes was a suspect in the 1978 strangulation death of Teresa White, 18, but was not charged until Monday, after new evidence led to a grand jury indictment.
TUSCALOOSA | Not long after his daughter was killed, Leon White sat in a room with the man now accused of killing her.
Mike Hayes was a suspect in the 1978 strangulation death of Teresa White, 18, but was not charged until Monday, after new evidence led to a grand jury indictment.
White had an opportunity to sit in an attorney's office with Hayes and ask some questions while his daughter's death was under investigation. At one point, White said, the young man began laughing.
"I told him to shut up because this was not funny," White said Tuesday. "I said, 'I'll tell you what. I don't know if you did this or not, but if I ever know without a shadow of a doubt that you did, I'm going to kill you.'"
The Whites watched as Hayes was charged and convicted of killing Regina Quarles four months after their daughter was killed. He pleaded guilty to choking and attempting to kill two other young women. Like police, the family came to suspect that Hayes was the killer.
"I wanted him dead, I really did," White said. "For many years, I lived that way. I had so much hate and bitterness in my heart. He was constantly in my mind. It was constantly eating at me, and I knew it was wrong."
White, a pastor who now preaches at Praise Baptist Church on Clements Road, said that his feelings changed after about 20 years.
"One day, the good Lord gave me the grace to not continue in that direction. I knew I couldn't continue to live like that," he said. "You can't change what happens. You learn to live with it, but it always leaves a mark on your mind."
The Whites learned that Homicide Investigator Marty Sellers had been reviewing evidence in the case and had interviewed Hayes again. They knew that a grand jury recently examined the case and decided that there was enough evidence to charge Hayes with capital murder. He is now serving a life sentence with the possibility of parole in Quarles' death, but could receive the death penalty if found guilty of killing White.
"We're glad that it's finally come down to this," White said of the arrest. "We'll never have closure, there's no such thing. We're not going to push for anything, either way. Whatever the courts decide is what we'll live with."
Hayes was transported from Draper Correctional Facility on Monday to the Tuscaloosa County Jail, where he was charged with White's murder.
White said that he appreciated all of the homicide investigators who had worked the case through the years, including Sellers, who he said attended his church as a child.
Teresa was the oldest of the White children. She had two younger brothers. White said that she called home daily with her typical greeting of "Hey, Daddy, what are you doing?"
Leon White, now 73, and his wife Nancy, 69, knew something was wrong when she didn't call the Saturday morning of April 15, 1978. They searched for her day and night for the next several days, only taking breaks for Sunday and Wednesday church services.
Then on Thursday morning after her disappearance, former Tuscaloosa Police Chief Ken Swindle, a TPD investigator at the time, showed up at the door. A woman's body had been found by the Lake Nicol spillway.
"I realized that God's grace is sufficient, that's the first thing that came to my mind," he said. "We were dying inside. We have never hurt so bad in our lives."
Like those first moments, White has relied on Scripture and his faith during the last 35 years.
"If God hadn't been on our side, we'd have been in a mess," he said. "I know that one day, all this will come to an end and it will all be over with."
Swindle had been searching for White since she was missing. He had attended Ruhama Baptist in Peterson, where Leon White was pastor, and had known Teresa White at Northside High School.
"Anytime you work a case like this you become attached to the family. You get to know them, they get to know you and you have that bond," Swindle said. "That bond was already built with the Whites, so we took it a little more personal to start with."
Swindle and his partner Billy Bigham identified White's body. Swindle served as a pall bearer when she was buried. He, too, said that he suspected Hayes for years.
"I think we could have tried the case and gotten a conviction at that time, but I think it's good now that they have stronger evidence that can get him convicted," Swindle said. "I'm proud of the officers who have stayed on this case and worked diligently on it through the years. It shows that the agencies don't close cases. If there are cases that need to be worked, they will be worked on."
Part of the frustration that officers felt with suspecting but not being able to charge Hayes was balanced by his conviction in Quarles' case.
"It's not like he was out there walking around in society. There was some peace of mind," Swindle said.
Although they have learned to live with what happened to their daughter, White said that he'll never understand why it happened.
"It was a foolish act on his part and something that never should have happened. There was no justifiable reason for it," he said. "I'd like to know what's been going on in his mind all these years. Is he remorseful?
"I can't understand why people do things like this. It's just mean and cruel. Especially when a man attacks a woman. Some people will stop at nothing to do what they want."
Reach Stephanie Taylor at firstname.lastname@example.com or 205-722-0210.


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Rent: $2,860 /month
Terms: 0 - 12 Months
Available: Immediately
Type: Rental
Size: Studio
Rooms: 2
Beds: 0
Baths: 1
Doorman: Yes
Approx Sqft: 629
Fitness Center
Pet Friendly
Type: Mid-rise
Floors: 22
Apts: 237
Built: 1897
Renovated: 1997
Age: New
Access: Elevator
Service: Full Time Doorman
Web Id: 63783
Office 212-627-7800
Fax 212-627-8150
City Connected, the official blog of City Connections Realty. We keep real estate — and living in NYC — real.»
Bringing a better real estate experience™ to some of New York City's top developers is becoming an exciting new field for us. »
|City Connections Realty, Inc. supports Equal Housing Opportunity. The federal Fair Housing Act makes it illegal to advertise "any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make such preference, limitation or discrimination." We will not knowingly accept or permit any advertisement for real estate that is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.


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Holiday Gift Guide 2 (and too!)
Produced by Rebecca Christian
Our Holiday Gift Guide proved so popular that we've created a second one, with 29 all-new items—gizmos, accessories, candy, jewelry, home accents, electronics, toys, and items from designers such as Jonathan Adler. To see our first Holiday Gift Guide, click here.
Our editor-in-chief, an animal lover, is crazy for this "barkitecture"—that is, blueprint-like art of cats and dogs for the holidays. The artwork features a distressed finish to give it the look and feel of a working blueprint used by architects, engineers and construction supervisors in mid-20th century. Prices start at $110, with framing and matting available. Click here.
Give your favorite blogger Sony's Bloggie Duo HD Camera, which has a full-color two-inch screen and makes self-recording almost foolproof. It's easy to record on the run and upload to sites like YouTube, plus great for recording and sharing memorable moments with kids and grandkids, too. $139 from Sony. Click here.
This Reversible Silk Fleece Throw, $94.95 from Soft Surroundings in four yummy color combinations, is so appealing you might just have to get one for yourself. Click here.
Mmm. Try Dark Chocolate, Cinnamon Glazed, and Roasted Salted Pecans from Schermer Pecan Co., and they may well become a holiday tradition. $33 for 2 bags of any flavor combination, including shipping, from Schermer Pecan Company. Click here.
Even the technically adept still have times when there's nothing for it but to write something down. These colorful notebooks are small enough to tuck in a bag and have whimsical titles, like "Politicians I Met and Liked." At $11 from Jasper + Black, they make a nice stocking stuffer. Click here.
Help her add the wow factor to her quiet jacket with this German Patchwork Scarf, made of cashmere and lambs wool, $95 from European Market. Click here.
Silhouettes are a classic motif in decorating. That's why we like this firescreen from The Well Appointed House, $413. Click here.
Hot coffee, warm milk and pralines are a winning combination in these Swiss Café Macchiato Pralines, $13.50 for six, from European Market. Click here.
If someone who loves listening to music has been very, very good, consider the Geneva Sound System Model M, $649.95, from Crate and Barrel. State of the art sound looks as good as it sounds with its white lacquer finish and sleek shape. Speakers project rich sound from a shelf or other flat surface but only use one-fifth the energy of a traditional hi-fi. Click here.
A bottle of red + a bottle of white + a handsome box = one very nice hostess gift from Pasanella and Son Vintners. For the Bella Figura Wine Gift Set, $33.99, Click here.
He'll be in good, if rakish company, with the Letterpress Correspondence System, with paper stock of 100% cotton from the same 15th century Italian paper mill used by Napoleon and Picasso. It's packaged in a laser-engraved, velvet-lined hard wood cigar box, $75, from The Forgetful Gentleman, Click here.
Awww. What a cute Swiss Baby Book ($19) for toddlers learning to identify animals—while cuddling on your lap. And young dog lovers will have fun with the Dog House Play Set, $35, both from European Market. Click here.
Confer a little wisdom with these "Snowy Owl Earrings," created by Dawn Estrin, in sterling silver with a color photomontage. $100 from Artful Home. Click here.
Yes, we know, at $7,900 this Director's Chair (Number 0222) made from solid cast aluminum with leather seat and backrest, is far too extravagant for most of us. But isn't it gorgeous? The seat and back material can be customized. For more information, contact out of email@example.com or call 212-965-1238.
We like the clean, simple look of the Vintage Apothecary line from Barr-Co. For Bath Salts made of oatmeal, milk powder and mineral salts, $32. Click here.
Organic bedding is coming into its own style-wise. The Stone Hearth Collection, one of several handsome ones from Coyuchi, will warm hearts (and cold feet) with cotton linen sheets and densely woven wool blankets. Prices range from $99 for the accent pillow to $400 for the lattice coverlet in a king size. Click here.
Stuff your favorite baseball's fan stocking with a DVD of Ed Randall talking baseball with his favorite team. Talking Baseball with Ed Randall is a collection of collectors' DVDs of classic interviews with the icons of the sport from 13 different teams, from Mickey Mantle to Ernie Banks. Each DVD is $14.99. Click here.
One of our editors test drove this Mr. Coffee Latte Maker and loved it. She reports it's easy to use, has a powerful automatic frother that makes wonderfully frothy drinks, and comes with recipes for fun dessert lattes like Raspberry Chocolate and Crème Caramel. $99 from Mr. Coffee Café Latte. Click here.
For carnivores, consider The Brisket Book by Stephanie Pierson (Andrews McMeel Publishing) devoted to all things brisket—braised or barbecued, from recipes handed down in families like heirlooms and used in everything from Korean Chile to Scandinavian Aquavit Brisket. $18. Click here.
Designed by Otomi craftswomen in Mexico and made by their families, Mexican coverlets made of unbleached muslin add a bright, Boho touch to the home, $295 from The Loaded Trunk. Click here.
Is there a frequent flyer on your list? Keep her comfy with this DreamSacks Airline Comfort Set, $59, in soft silk in green, blue, and lilac. The blanket has a pocket for the feet. It also comes with a pillowcase that is airline pillow size and eyeshades. Everything rolls into a 12-inch bag from Yala Designs. Click here.
Almost anything designed by Jonathan Adler is destined to become a future classic, and this Peacock Letter Opener in polished brass, $98, is no exception. (Maybe it will inspire you to write the recipient a newsy letter.) Click here.
The epitome of fine materials and workmanship, this Architect Tote in handwoven calfskin with nickel hardware and marine grade canvas from Sunbrella will always be in style. $395 for a small tote, $595 for a large, from Lance Wovens. Click here.
A-tisket, a-tasket, we really like this wonderfully simple and durable basket Iringa basket used all around the world. From The Loaded Trunk for $59, it's made in Tanzania from swamp grass. Click here.
What's the holiday without one racket-making toy? Kids will love this Old-Time Train Whistle from Duluth Trading Co. that sounds like the real thing, only not (quite) as loud. Click here.
Now you can do good—and make someone feel good—at the same time. Charity Pot Hand and Body Cream, $21.95, is made with fair-trade cocoa butter and with geranium and other luscious fragrances. Every penny of the retail price goes to causes like animal rights, environmental protection and humanitarian concerns. Click here.
Love to give, but hate to wrap? Consider ellaWrap, beautiful, reusable package wrapping that eliminates cutting and taping—slip your gift in a bag, sack or envelope (different sizes and many patterns and collections available), tie the gorgeous ribbon, and you're done. From $10.99 for a jewelry bag to $39.99 for a large sack. Click here.
Cure canine boredom with clever Swedish-designed solid wood games, $69, from Orvis, that hide treats under blocks until your pooch figures it out and slides the blocks with nose or paw. Click here.
Also from Orvis are dog ornaments in pug, Jack Russell, German shepherd, beagle, Lab (black, yellow and chocolate) and golden retriever, $19. Click here.
Our tech editor likes these desktop speakers by Harman that are small but deliver big sound and are easy to use. Plus you can pair them with multiple devices—computer, digital music players, smartphones and gaming consoles. A separate headphone jack provides private listening. JBL Jembe Speakers, $59.95. Click here.


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Finally! In his 27th year as a head wrestling coach, Gene Hildebrandt gets his first win for the St. James Area Saints.
Of course, that Saints win last week against Worthington gets added to his 457 career wins as the head coach of the St. James Saints.
Finally! In his 27th year as a head wrestling coach, Gene Hildebrandt gets his first win for the St. James Area Saints.
Of course, that Saints win last week against Worthington gets added to his 457 career wins as the head coach of the St. James Saints.
By the numbers, Coach Hildebrandt now has 458 career wins and the SJA Saints opened their season with a convincing 46-24 win against the visiting Trojans.
More numbers - the Saints got seven pins and senior Isaac Carreon got his 75th career win as a Saint with one of the pins.
Worthington held an early lead through the lower weights. The Trojans led 15-12 through the 132 lbs. weight class.
In these lower weights the Saints gave up some points late in periods and that affected the scoring in some of the matches.
The visitors got a pin at 106 over the Saints Mario Garcia and the Saints Cody Hanson was pinned at 120 lbs. Hanson was wrestling Anthony Luft, who is ranked fourth in 2A wrestling, while Hanson is ranked seventh in smaller class A.
Angel Zamarripa got a pin at 113 to knot the team score at 6-6 before Hanson's loss gave Worthington a 12-6 edge.
Richy Soto came right back for the Saints, with a pin at 1:59 of the first period in the 126 lbs class.
The Saints lost a close decision at 132 lbs. when Sammy Guzman lost to his Worthington foe 7-3.
Then the Saints got going by winning the next four matches. Carreon got his pin at 3:09 of the second period to put SJA ahead for good by a team score of 18-15.
Kody Curry won by a 10-2 decision and pushed the team lead to 22-15. Conner Engel got his first win as a Saint when he pinned his Trojan competitor at 5:20 of the third period.
At 160 lbs. Zack Gleiter kicked off his senior year with a pin at 2:45 of the second period.
The Saints Ryan Westman lost a very close match at 170 lbs. by an 8-7 score.
SJA won three of the next four matches. Devin Wolle won a 5-1 decision at 182 lbs. SJA's Colin Hoppe was pinned at 195 lbs.
The Torres brothers closed it out for the Saints. At 220 lbs. Adrian Torres pinned his foe at 3:48 of the second period. Adrian was taken down and put on his back with no time at the end of the first period. What could have been a disaster turned out just to be a takedown for Worthington.
Senior Victor Torres won a 6-0 decision pushing the final score to 46-24.
Saints go 2-1 Saturday in a quadrangular meet at Mankato West
The Saints wrestled three teams on Saturday at a quadrangular meet hosted by Mankato West. The Saints blasted the host school 59-9 and beat a good Byron team 40-30, but SJA fell to Wabasso/Red Rock Central 46-19. Wabasso is the fourth ranked team in Minnesota Class A.
Against Mankato West the Saints collected five pins and padded the team score with four forfeits.
Angel Zamarripa got a forfeit and Cody Hanson got a pin for the Saints at 113 and 120 lbs respectively.
Richy Soto, Sammy Guzman and Isaac Carreon squeezed out decisions. Kody Curry and Connor Engle picked up forfeits.
Zack Gleiter lost a decision at 160, but then the Saints closed out the Scarlets with four pins and another forfeit.
Ryan Westman got a pin at 170. Colin Hoppe planted his foe right at the end of the first period.
The forfeit went to Devin Wolle at 195. The Torres brothers each got first period pins. Adrian got a pin at 220 lbs in 1:28. Big brother Victor was faster getting his HWT pin at 1:03.
The wrestlers picked up their second win against Byron. It was a high scoring match and the outcome was not decided until Victor Torres pinned his opponent in just 39 seconds of the first period to pick up six team points and securing a 40-30 win.
Mario Garcia lost a decision at 106, Zamarripa won a decision and Hanson won a major decision.
Soto and Guzman got pins. Richy collected his at 1:20 and Sammy got the pin right near the end of the match, at 5:54.
Isaac Carreon got a close win at 138 when he won 4-3. At that time, the Saints led 22-3. Then Byron got back to back pins on Curry and Engel. Gleiter lost a decision so the Saints were up by four 22-18.
Wrestling to keep the team lead, Ryan Westman got a pin at 2:48 of the second period. The Saints were up 28-18. At 182, Colin Hoppe got pinned and the lead closed 28-24.
Devin Wolle came back and pinned his foe in 1:20 of the first period for a 34-24 team lead.
The pattern remained in place as Adrian Torres got pinned. That's when Victor Torres secured the match with a pin.
The marquee match of the day was the Saints against Wabasso/Red Rock Central. Wabasso is fourth ranked and has six ranked wrestlers compared to the Saints having five ranked wrestlers.
In two weight classes ranked wrestlers went head to head against each other.
At 120 lbs. Cody Hanson is ranked seventh and Wabasso's Spencer Jenniges is ranked eighth. Hanson was in a close match, but was injured and was forced to default.
At HWT, Victor Torres lost to second ranked Alex Schroepfer. Torres was pinned in the first period.
Wabasso jumped out to a 6-0 team lead when Garcia was pinned. Zamarripa got half that back with a decision.
After Hanson's default, Soto closed the gap to a 12-7 Wabasso lead with a major decision. Guzman got pinned by a ranked wrestler and at 138 Carreon lost his first match of the young season by a 10-4 decision. This put Wabasso up 22-7.
Curry got a decision to make the team score 22-10, but Wabasso smacked the Saints down with four pins in a row.
Simon Beck, Engel, Westman and Hoppe were all pinned. Wolle broke the string at 195 with a 3-0 decision.
Adrian Torres won by a pin at 220 in the first minute of the match, but lost when he was pinned at 41 seconds.
That made the final team score 46-19. The Saints will get a second shot against Wabasso this year as they come a calling on Jan. 15, as part of a three team match. Madelia will also be paying the Saints a visit that night.
The Saints wrestle at Fulda on Thursday night and host five other teams in a tournament on Saturday. Matches get underway at 9 am.


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Walt Whitman: Poet and Printer with Timothy Donnelly
Readings @ the South Street Seaport
Date and Time:
July 22, 2005 - 7:00PM
Event Location:
Bowne & Co. Stationers South Street Seaport Museum 211 Water St (between Beekman and Fulton)
Join Poets House and the South Street Seaport Museum for a Whitmanesque extravaganza.
Hear his work and that of poets influenced by him. Try your hand at a letterpress printer like the one he used
Event Sponsored By:
Poets House
Event Type:
Readings and Conversations
Poetry in the World


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Perigon is a brand new board game that falls into the category of two-player abstract strategy games. This means that like Chess, it is a game of 'perfect information' and therefore the 'purest' of games.
There is no luck involved whatsoever (as opposed to Backgammon) and there are no non-deterministic elements: no dice or lucky hand can save you from your fate when it comes to Perigon. Only the clever and cunning will place the Flag on the opposing goal line and win the game.
The broad appeal of Perigon, which is suitable for adults and children aged eight +, lies in the initial simplicity of its rules. However its Perigons strategic depth that gives it lasting interest: whilst it takes minutes to pick up, Perigon has in fact been proven to have a higher branching factor than Chess. Players may continue to learn how to improve their game for the rest of their life.
It is this strategy aspect that ensures that as well as gaining intellectual and competitive pleasure from Perigon, players will also be inadvertently improving their brains capacity for logical thought. Perigon has been proven to help foster all the basic aspects of psychological learning: concentration, pattern recognition, decision-making, and reinforcement.
The famous psychologist Dr. Joseph Langen Ph.D. could have been describing Perigon when he stated Contexts are familiar, themes repeat, but game positions never do. This makes abstract strategy games such as Perigon good grist for the problem-solving mill. In other words, dedicated play of Perigon and other abstract theory games will improve players day to day general mental alertness.
The diagram above displays the hierarchy of a Perigon decision tree. Because Perigon is so easy to learn, players are able to quickly foresee numerous levels of the hierarchy below the current situation. As such, whether experienced in abstract strategy or new to the field, children and adults alike quickly get engaged in and addicted to Perigon.


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Everyone with asthma should have a plan, an asthma action plan. This plan will help you manage your asthma when you're feeling great or when you're having problems. Learn about how your plan is coded with the colors of the traffic light.
This video is an excerpt from the DVD Living With Asthma: A Guide to Controlling Your Asthma produced by St. Louis Children's Hospital.


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In this lesson students will investigate nitrogen dioxide levels in the atmosphere over a one-year period. The students will have to look at several regions from around the world to draw conclusions regarding NO2 amounts. From the plots, students... (View More) will have to brainstorm the reasons behind the variability in NO2 concentrations. Detailed procedures, materials, vocabulary linked to an online glossary, and teachers notes are provided. This lesson is from the MY NASA DATA project, which has created microsets from large scientific data sets, and wrapped them with tools, lesson plans, and supporting documentation so that a teacher, or anyone in the interested public, can use authentic NASA Earth system science data. (View Less)
Materials Cost: Free


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Lei NgAlumni, Class of 2014
Lei has always been intrigued by the dynamics of audience/performer interaction and is constantly exploring possibilities that combine the performing experience in theatre with ubiquitous computing. She wants to push the potential of responsive environments and objects to blur boundaries between the audience and performer. She also hopes to create a sensorial theatrical experience that provides a paradoxical twist to our perceptions of everyday lives.


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CANDO, N.D. — The rematch was anything but what North Star had envisioned when the 2012-13 schedule was drawn up
Journal Staff Report CANDO, N.D. — The rematch was anything but what North Star had envisioned when the 2012-13 schedule was drawn up. Eight months after Beulah ended North Star's bid for a second state championship in as many years with a triumph in the state championship game, the Miners were back to their old tricks as Beulah, the No. 2 team in the state, assured itself of moving to the top of the heap with a 68-63 win over the top-ranked Bearcats on Friday in Cando. Beulah used a 21-15 spurt in the second quarter to grab a 35-33 lead at the intermission and then padded its lead by outscoring the Bearcats 16-10 in the third period to lead 51-43 heading into the final eight minutes of play. North Star managed to pull within one point with just under three minutes to play, but the Miners went on a 6-0 burst to virtually seal the win before a packed house at the Cando gym. Trevor Zacher led three Miners in double figures with a team-high 25 points while Cody Nelson and Jesse Hettich added 14 and 13 points, respectively. North Star's Jacob Hagler led all scorers with 29 points. Alex Weston chipped in with 12 points. North Star rebounded the following night by getting past Rugby 59-51 in a matchup of ranked teams in Rugby. No other details of that game were made available. North Star will play in a showcase on Thursday in Aberdeen (S.D.) and will return to play at Harvey-Wells County on Saturday. Beulah 14 21 16 17 — 68 North Star 18 15 10 20 — 63 Beulah (68): Trevor Zacher 25, Cody Nelson 14, Jesse Hettich 13, Noah Iverson 6, Karson. Hintz 4, C. Walcker 4, Randi Julson 2. North Star (63): Jacob Hagler 29, Alex Weston 12, Daniel Grande 9, Christian Kvilvang 6, Brooks Larson 4, Jayden Komrosky 2, Johnny Heisler 1.


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NEW YORK (AP) — Last year Sam Smith says he was a spectator at the iTunes Festival. This year, his view will be much improved — he'll be onstage.
The soulful newcomer is among those set to perform at the eighth annual event, held every night in September at The Roundhouse in London. Other acts announced Monday include Pharrell Williams, Maroon 5, Calvin Harris, David Guetta, Robert Plant, Blondie and Chrissie Hynde.
The iTunes festival is free for contest winners, and people worldwide can watch live or on demand via various Apple devices and iTunes. Past performers include Adele, Kanye West, Elton John, Katy Perry, Lady Gaga and Paul McCartney.
Earlier this year, the iTunes Festival branched out to the United States for the first time with concerts in Austin, Texas, during the South by Southwest music festival.


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1 review for The Top Shop.
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- About PERC
- Mission & Vision
- PERC Staff
- PERC Fellows
- PERC Board
- PERC History
- Free Market Environmentalism
- PERC Financials
- Career Opportunities
Founded 30 years ago in Bozeman, Montana, PERC—the Property and Environment Research Center—is the nation's oldest and largest institute dedicated to improving environmental quality through property rights and markets.
- Praise for PERC
- Publications
- PERC Reports
- PERColator Blog
- Policy Series
- Case Studies
- Articles
- Books
- Guides
- Curriculum
- Other Publications
PERC's publications, each designed to resonate with specific groups, move ideas generated at PERC to broader audiences.
- Academic Papers
- Research
- Free Market Environmentalism
- Energy
- Fisheries
- Forestry
- Indians & Tribal Lands
- Parks & Public Lands
- Public Policy
- Recycling
- Water
- Wildlife
Research is at the heart of PERC's work, with a focus on the question: What is the link between economic growth and environmental quality?
- Programs
- Applied Programs
- PERC Enviropreneur Institute
The goal of PERC's programs is to fully realize the vision of establishing "PERC University," where scholars, students, policy makers, and others convene to expand the applications of free market environmentalism.
- Student Colloquium
- Workshop Series
- Lone Mountain Forums
- Liberty Fund Colloquia
- Events
- Fellowships
- Julian Simon Fellows
PERC's fellowships share a common goal of exposing new scholars, students, journalists, and policy makers to free market environmentalism, as well as enable scholars already familiar with FME to explore new applications.
- Lone Mountain Fellows
- Graduate Fellows
- PERC Enviropreneur Institute
- Impact Fellows
- Storytellers in Residence
- Multimedia
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PERC continues to publish and present a broad range of research and discussion through podcasts, videos, and other multimedia channels.
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Multiple volunteer fire departments are busy this afternoon pumping home basements and closing some roads after heavy rains quickly inundated roads in the northeast section of the county.
The fast-moving water flooded Route 268, forcing firefighters to shut down the road. Other, smaller roads were underwater and, in some cases, were in jeopardy of being washed out.
The municipalities affected by the high water are Chicora, Karns City, Petrolia, Bruin and Buffalo Township.


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This funky PUMP! Midnight brief combines an black body with Navy accent stitching and leg trims.
The body of the Midnight brief is a black micro-mesh material. This has tiny holes which ventilate you, allowing the material to breathe, keeping you cooler and dryer for longer.
The cotton pouch is contoured, providing a small level of additional support and a better definition to the pouch.
The Midnight brief has an elasticated waistband which is wider than average, at 45mm. It has PUMP! branding and it is low rise for a modern and comfortable fit.
FREE: 3 to 4 working days, Royal Mail 48, delivery Mon to Sat
FASTER: £1, 1 to 2 working days, Royal Mail 24, delivery Mon to Sat
TRACKED: Orders up to £85: £2.50. Orders over £85: Free. 2 to 3 working days, Royal Mail Tracked 48, delivery Mon to Sat, SMS and e-mail tracking numbers provided on day of delivery
FASTER TRACKED: Orders up to £85: £3.50. Orders over £85: £1. 1 to 2 working days, Royal Mail Tracked 24, delivery Mon to Sat, SMS and e-mail tracking numbers provided on day of delivery
EXPRESS: £6.50, next working day after dispatch, delivery before 1pm, Royal Mail Special Delivery. Delivery Mon to Fri.
SATURDAY: £10. Guaranteed delivery the following Saturday before 1pm. Royal Mail Saturday Special Delivery.
TRACKED: €7.00, 2 to 6 working days, Royal Mail International Tracked service. We will provide a tracking number by e-mail
SIGNED: €7.00, 3 to 6 working days, Royal Mail International Signed service. We will provide a tracking number by e-mail.
TRACKED: $10, 6 to 8 working days, Royal Mail International Tracked service to: Australia, Brazil, Canada, Hong Kong, Japan, Malaysia, New Zealand, Singapore, Thailand, USA.
SIGNED: $10, 6 to 8 working days, Royal Mail International Signed service to all other countries.
We provide tracking numbers by e-mail for both services.
Please note that delivery timescales are estimates provided by the postal operators and are not guaranteed, except the UK Express Special Delivery.
If you use a different currency to pay, the delivery charge will be the equivalent of the above charges in that currency.
VOCLA cannot post to International PO Box addresses or drop boxes.
If your goods are being delivered outside the EU, you or the recipient may be charged import duties/taxes by local Customs authorities.
VOCLA™ has a fair and simple returns policy. You can easily return an item. All we ask for is the following:
If you would like to try underwear or swimwear on for size or fit, the best option is to do this over other clean underwear. For hygiene reasons, please do not try underwear or swimwear on against naked flesh as it would then be considered as worn. We are unable to accept returns of worn items unless the only way to discover a fault is by wearing or washing them. All returns are checked.
If you would like to return items please complete the form on the back of your invoice or download the Returns Form on our website.
If your item is faulty, was miss-described or the wrong items have been delivered, VOCLA™ is at fault. Please e-mail email@example.com for us to arrange the return. If VOCLA™ is not at fault and you wish to return items, you will be responsible for returning them to VOCLA™ at your cost. You must take reasonable care to ensure that the goods are not damaged in the meantime or in transit. Please remember to obtain a certificate of posting.
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Lucky Dip products cannot be returned or exchanged unless they are faulty.


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After 4 years and 1264 picks, I am at 675-589. Although it is 86 games over .500, it is still just 53.4%. To the guy who thinks he can hit 80% by being selective....that, Sir is utterly delusional.
No offense, but as far as your statement that nobody should be below 60%, you'd probably be best served on another site because you certainly don't know much about this stuff.


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A vehicle struck two people after a disturbance Friday evening, leaving�both with serious injuries.
Independence Police Sgt. Darrell Schmidli says the incident happened around 7 p.m. on Friday in the 1200 block of North Main Street in Independence. That area is north of U.S. 24.
Although he says the exact details are still unclear, the disturbance involved three people and started with a knife. One of the people involved left the scene in a vehicle. That person subsequently went to another address and called police. However, the person returned to the scene of the incident and struck the other two parties involved with the vehicle.
The two people were taken to area hospitals with serious injuries, according to Schmidli.
The incident is under investigation.


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Model B992P
The B992PG features the same pitch stability, tonal quality and mechanical sophistication as the B991 but the Bronze body fully plated in pink gold - a mix of 80% gold and 20% silver creates a stunning finish. This plating and the lack of lacquer enhances a wonderful tonal clarity which we have found especially popular with classical players. The pink gold horns only have a limited run each year. They are handmade in Japan by specialized artisan craftsmen. The Yanagisawa saxophone is the epitome of perfection on intonation, ergonomics & build quality. Yanagisawa specializes in only manufacturing handmade professional saxophones. They offer some of the best values on the planet for a professional sax. With resonance and a refined sound the 992 series has outstanding evenness of intonation over its entire range at all dynamic levels. The 992 series has various upgrades over the 902 series: The double arm support on the low keys ensures better pad seating and a stronger low end sound. The posts that hold the keys in place are mounted onto strong support straps that run the length of the instrument; this adds weight and support to the body and influences the carrying power of the tone.
Octave system - Both ends of the octave key axis rotate in a receptacle that is coated to ensure a smooth operation every time. Rocking table mechanism - The C# and Bb keys have a rocking table mechanism that allows for optimal speed and fludity. Double connected table key - Not only are the C# and Bb keys connected with the oscillating table mechanism, but the C# and B have also adopted this same motion. F-auxiliary key mechanism - Ensures a proper seal of the pads when playing in the low range of the saxophone. "Indented" white shell keys provide comfort for the player. Ribbed construction - The posts are connected to a single metal rib that is soldered to the body of the saxophone - adding durablility and longevity to the horn. Metal thumb rests - Both thumb rests are metal to match with the style of the horn. The right hand thumb hook is adjustable. The pivot screws are pointed to allow an accurate center and precise action. The pads are air-tight and waterproof to extend their life. Blue steel springs provide a quick response and greater durability than stainless steel. Double braced arm - Two separate arms connect to the pad cup to ensure proper seating of the pad and improve the durability of the instrument. The tri-point balanced bell brace firmly connects the bell and the body of the horn. Hand made in Japan. Hand Engraved. Bronze body plated in pink gold. High F# key. Low A key. Comes with woodshell case with quality ebonite mouthpiece.
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