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Young Drivers Admit to Nodding Off Behind the Wheel
16-24 year olds more likely to be involved in drowsy driving crashes finds AAA Foundation study
Washington, D.C., (November 8, 2012) Younger drivers are more likely to drive while drowsy according to new data presented by AAA. Based on a recent survey conducted by the AAA Foundation for Traffic Safety, one in seven licensed drivers ages 16-24 admitted to having nodded off at least once while driving in the past year as compared to one in ten of all licensed drivers who confessed to falling asleep during the same period.
Additional Resources
These new findings echo data from a 2010 AAA Foundation study of National Highway Traffic Safety Administration (NHTSA) crash data that estimates that young drivers age 16-24 were more likely, by some 78 percent, to be drowsy at the time of the crash as drivers age 40-59. This earlier analysis also revealed that one in six deadly crashes involve a drowsy driver, making it one of the leading contributors to traffic crashes.
"Research shows that fatigue impairs safe driving, with many symptoms causing drivers to behave in ways similar to those who are intoxicated," said AAA President & CEO Robert Darbelnet. "In preparation for the holiday driving season and with many young drivers heading home for Thanksgiving break, AAA is drawing attention to this often overlooked crash risk that is a serious threat to everyone's safety on the road."
The recent analysis also found that while eight out of ten people view drowsy drivers as a serious threat to their own personal safety, many admit to driving while extremely drowsy themselves. In fact, 30 percent of licensed drivers reported having driven in the past 30 days when they were so tired that they struggled to keep their eyes open.
"Unfortunately, most drivers underestimate the risks associated with drowsy driving and overestimate their ability to deal with it—that's a dangerous combination," said AAA Foundation President & CEO Peter Kissinger.
Driving while sleepy or fatigued can significantly impact driving ability, causing slower reaction time, vision impairment and lapses in judgment. While there is no guarantee that drivers will recognize when they are becoming tired behind the wheel, signs of drowsy driving can include:
- Trouble remembering the last miles driven or missing exits and traffic signs
- Difficulty keeping your eyes open and focused
- Yawning frequently or rubbing your eyes repeatedly
- Drifting from your lane or off the road
- Daydreaming or having wandering, disconnected thoughts
AAA urges all motorists to stop driving and find a safe place to pull over if experiencing any of the drowsy driving symptoms. To remain alert and be safer behind the wheel, AAA suggests:
- Get plenty of sleep (at least seven hours) the night before a long trip
- Avoid travelling at times you would normally be sleeping
- Schedule a break every two hours or every 100 miles
- Avoid heavy foods
- Travel with a companion and take turns driving
- Avoid medications that cause drowsiness or other impairment
AAA is also highlighting the risks of drowsy driving in support of the National Sleep Foundation's Drowsy Driving Prevention Week® which runs November 12-18. This annual campaign provides public education about the under-reported risks of driving while drowsy and countermeasures to improve safety on the road. For more information about drowsy driving, visit the National Sleep Foundation's drowsy driving website at www.DrowsyDriving.org.
As North America's largest motoring and leisure travel organization, AAA provides more than 53 million members with travel, insurance, financial and automotive-related services. Since its founding in 1902, the not-for-profit, fully tax-paying AAA has been a leader and advocate for the safety and security of all travelers. AAA clubs can be visited on the Internet at AAA.com.
Established in 1947 by AAA, the AAA Foundation for Traffic Safety is an independent, publicly funded, 501(c)(3) charitable research and educational organization. The AAA Foundation's mission is to prevent traffic deaths and injuries by conducting research into their causes and by educating the public about strategies to prevent crashes and reduce injuries when they do occur. Visit www.aaafoundation.org or www.facebook.com/AAAFTS for more information on how you can join our cause.


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Last week, I heard from Lynsay Spratlen, a Macedonia native and Ashland University graduate who is currently working at a tech firm in Summit County. Like many recent college graduates who see most of their income going to pay off high-interest private student loans, Lynsay lives with her parents. Even though new graduates are entering into a better economic climate and better job prospects, their heavy debt burden means that fewer of them can afford to buy a home, start a business, or continue on to graduate school.
Historically, higher education leads to higher wages. Today, however, higher education also means higher levels of debt. Student loan debt now exceeds $1 trillion – more than credit card debt and more than auto loans. In fact, student loans are second only to mortgage debt in this country.
According to the Wall Street Journal, the average borrower earning a bachelor's degree in 2013 has $30,000 in student loan debt.
Last month, I discussed the importance of subsidized Federal Direct Stafford Loans for families making less than $40,000 a year. And today, we must act to stop those loans from doubling – from 3.4 percent to 6.8 percent. That's why I introduced the Student Loan Affordability Act, which would keep college affordable for more middle-class and low-income students.
However, while the Student Loan Affordability Act bill is critical for current and future borrowers, it doesn't address the private loans that students turn to because federal loan limits too often don't cover the full cost of books, room and board, fees, and tuition.
Keeping Stafford loan rates low won't help relieve the burden facing current borrowers. Today, there are 2.9 million students with more than $150 billion in private student loan debt. More than 80 percent of undergraduates with high student debt – those with more than $40,000 in debt – have private loans.
Private loans typically have higher interest rates – that can top 18 percent. While federal student loans offer repayment plans based on a borrower's income and allow borrowers to defer payments if they are facing difficult times – private student loans give borrowers very few options.
That's why I introduced legislation last week to help stop the fleecing of college graduates who are stuck under a mountain of private student loan debt. My Refinancing Education Funding to Invest for the Future Act addresses this problem by authorizing the Treasury Department to make the private student loan market more efficient.
After all, why should our students and graduates be the last to benefit from historically low interest rates? By refinancing homes, homeowners have been able to free up money for other, more productive uses than simply servicing their debt. My bill would allow borrowers with private student loans to refinance their costly private loans into more affordable loans. These borrowers could see their interest rates cut in half, lowering their payments at no cost to taxpayers.
By passing this legislation, we can help students, like Lynsay, pay down their debt and start making plans for the future.

subset: commoncrawl


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Shobha Kalantri brings to you an Abstract painting party.
Abstraction indicates a departure from reality in depiction of imagery in art. If you haven't tried this, well we are giving you a chance to create your own masterpiece.
Join with us and paint this amazing painting using a palette knife.
Take home your own made painting. Rejuvenate yourself, paint with fun and do something different.
Painting for you can become a great way to reduce stress and make you relax. You only need to try! You will see how amazing it is if you let yourself to unleash your creative abilities. It works as a stress buster from exam's pressure, Office load & Business target.
What you will learn:
Anyone above 14 years can join.
Note: All the material will be provided.
Special offer if you have attended before. So, grab your seat now.
Never miss a great event & get weekly updates of great events.


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Jessica Vergeer
French River Provincial Park Islands, Signed Limited Edition Print
Regular price $60.00
This print is a limited edition reproduction of Jessica Vergeer's French River Provincial Park Islands painting. Each print size offered is limited to a maximum of 30 prints; the 11x14 size will arrived numbered and signed by Jessica.
The smaller 11x14 edition is printed on high quality textured art paper using archival inks and ships in a flat-pack envelope. The larger editions are printed on gallery-style 1.5" stretched canvases using archival inks and ship bubble wrapped in an appropriate box. All of our canvas prints can also be framed, please contact us by email for pricing.


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Memories of the past are a priceless commodity in today's modern society. Fortunately, there are a few places in California that allow people to relive those past experiences and History Park is one of them. Located in San Jose, California, History Park at Kelley Park is a museum that is designed and arranged to appear like a small town would have looked liked in the early 1900s. Historic buildings and landmarks from San Jose have either been relocated from their original locations to the park, or have had replicas built in their likenesses. Walking around the park gives attendees a glimpse into what life was like in the earlier part of the 20th century. Naturally, this makes History Park the ideal place to throw a pre-'54 only car show. The old-fashioned gas station, hotel, and fire station replicas within the park set the stage for an event that is sure to become a staple within the community.
This year's event was not the first Bomb show, as Bomb aficionados united to throw the first show at the park four years ago, with a total of seven Bomb clubs from San Jose and the surrounding areas collaborating on the show. After the first event, the clubs had their own agendas to deal with, so George Bouldt, of Classic Image Bombs, and Jimmy Gustamantes of the Viejitos channeled their efforts into keeping the show going. They wanted to form an event that really stuck to the time period and tradition of the very cars they wanted to pay homage to. "We wanted to do an event like they did back in the '70s, with no rap music or scantily-clad models," says George Bouldt. They craved an event that really provided a family atmosphere and focused on the cars themselves. The overall goal for the show was to unite Bomb clubs from all over the state for a day without all the bells and whistles that usually come with hosting the larger events. "It's not a car show, it's a picnic," insists George.
The show got a lot of support from different Bomb clubs including Viejitos, Classic Image Bombs, Blvd Bombs, Old Illusions, Compadres, Royal Cruisers, Bay Bombs, Pachucos, Modesto Classics, Old Memories, Skanless, Oldies, Patrones, Firme Classics, Dukes, Antiguos, Classic Dreams, Hefitos and a few solo riders. Two spectators from Australia flew in for the show, as did Kiyo Nishikawa, a member of Viejitos Japan chapter.
Next year's Bomb United show is set to happen on April 12th, 2012 in San Jose, CA. We at Lowrider Magazine would like to wish George and Jimmy the best of luck in their efforts to put together a family picnic atmosphere that will have Bomb fans coming back year after year.


text: Welcome to my galleryHello! My name is Chris Stuart Black, i come from Denmark and im 24 years old. I've been drawing most of my life and 3 years back i started working with spraypaint and acylic colors. Most of paintings are dreamy landscapes with trippy effects and colors. Most of my paintings originals are a2 and some a3 karton papir, that ensure a high pixel print. I hope you guys enjoy my work as much as i do. Have in mind im learning constantly, and hopefully with each of my pictures it will get betterIf you want to buy some of my original paintings, contact me on facebook.https://www.facebook.com/chris.s.black.10


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I am running Merge Replication on Microsoft SQL Server 2012 through web sync.
Is there a way to recognize when regenerating a new snapshot and applying it would be more efficient than running a merge?
For instance my system has a way that a user can change settings to determine which data each subscriber receives. This won't happen often, but if it does then millions of
INSERTs could be sent to the subscriber representing the new data.
Is there a way to say "hey, I have over a million updates, actually recreate a new snapshot and apply it instead"?


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•Tottenham Court Road
•Leon Wilkinson
•Leon Wilkinson
Design Leon Wilkinson.
Taking influence from the London Underground signage system. Each location on the Tube map is represented by using the colours of the interconnecting lines, creating simple yet elegant pieces of art.
All stations are available in this series, please enquire if your required station name is not shown.


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Direct contact? +31 297 233 999
We, Fred and Anne-Marie Hoppenbrouwer, are the owners of Kwekerij Zevenhoven VOF. At our nursery we grow 5 ha of Ilex verticillata (the 'red berry' or 'winter berry'). Ilex verticillata is a deciduous holly shrub. Its bare branches with bright red berries can be applied in a vase as well as in flower arrangements. Ilex verticillata is fully suitable for outdoor cultivation. The shrubs are harvested biennially; all branches are cut in autumn after which the shrubs develop new branches the next spring. The female shrubs produce berries. The male shrubs do not produce berries. They only bear flowers, which are necessary for pollination.
Insect pollination is essential for proper fructification. For this purpose bees and drones are used as an extra help. During the second year the crop sprouts in spring, developing side shoots on which the flowers will grow. Moist soil is absolutely essential for proper berry growth. Outdoor cultivation means that there are varying weather influences including hail and wind, and when the berries grow red they need to be protected from feeding birds and mice.
A good biological balance during the flowering stage is essential and that is why we restrict the use of products to a minimum, allowing nature to do its thing. This also appears from our MPS-A qualification.
Ilex verticillata is available from October to January with a peak during the weeks before Christmas. In order to be able to supply Ilex from October the leaves are forced off so only the bare branches bearing beautiful berries remain. The leaves have no ornamental value and are not long-lasting. However, the branches bearing berries are very long-lasting!
Sign up


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Scary Stories to Tell In The Dark PG-13
Play Trailer
It's 1968 in America. Change is blowing in the wind...but seemingly far removed from the unrest in the cities is the small town of Mill Valley where for generations, the shadow of the Bellows family has loomed large. It is in their mansion on the edge of town that Sarah, a young girl with horrible secrets, turned her tortured life into a series of scary stories, written in a book that has transcended time - stories that have a way of becoming all too real for a group of teenagers who discover Sarah's terrifying home.
1 hr. 51 min.
Opened August 9th, 2019
Rated PG-13 for terror/violence, disturbing images, thematic elements, language including racial epithets, and brief sexual referencesCastZoe Colletti, Michael Garza, Austin Abrams, Gabriel Rush, Austin ZajurDirectorAndre OvredalWriterGuillermo Del Toro
Patrick Melton
Marcus Dunstan
Dan Hageman and Kevin Hageman


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33 CFR Appendix C to Part 230 - Notice of Intent To Prepare a Draft EIS
1. Purpose. This appendix provides guidance on the preparation and processing of a notice of intent to prepare a draft EIS for publication in the Federal Register. A notice of intent to prepare a draft EIS or a draft supplement is discussed in 40 CFR 1508.22.
2. Procedure. District commanders shall publish a notice of intent in the Federal Register as soon as practicable after a decision is made to prepare a draft EIS or draft supplement. See 40 CFR 1507.3(e) for timing of notice of intent for Corps feasibility studies. Guidance on the format and content of the notice in the form of a sample notice of intent is contained in paragraph 4 of this appendix. District commanders shall also follow this guidance when publishing a notice of intent to withdraw a notice of intent when a decision has been made to terminate the EIS process.
3. Publishing Documents in the Federal Register. The following information is furnished for preparation and publication of notices of intent in the Federal Register:
a. A brief transmittal letter inclosing three (3) signed copies of the notice of intent should be processed through local Chief, Information Management channels to: HQDA, SFIS-APP, ATTN: Department of the Army Liaison Officer with the Office of the Federal Register, Alexandria, VA 22331-0302. This office will review and correct (if needed) all documents prior to publication in the Federal Register.
b. The notice must be signed by the official issuing the document along with the signer's typed name, rank and position title for military officials or name and position title for civilian officials. A signer cannot sign "as acting" or "for" if another name is shown in the signature block. All three copies sent forward must be signed in ink. A xerox copy of the signature is not allowed.
c. A six-digit billing code number must be typed or handwritten in ink at the top of the first page on all three copies of a notice. This billing code number can be found on GPO bills, GPO Form 400, in the upper left corner opposite the address. The billing code number will be indicated as 3710-XX. FOAs must submit an open-end printing and binding requisition, Standard Form 1, each fiscal year to cover Federal Register printing costs (reference 3(n)). Completed requisitions (SF-1) must be forwarded to reach HQUSACE (CEIM-SP) WASH DC 20314-1000 by 1 June of each year. Consult the local chief, Information Management for Assistance.
4. Sample Notice of Intent. The following is a sample notice of intent to be used by district commanders:
Intent To Prepare A Draft Environment Impact Statement (DEIS) For a Proposed (Name and location of project, permit or activity).
Agency: U.S. Army Corps of Engineers, DoD.
Action: Notice of Intent.
Summary: The summary should briefly state in simple language what action is being taken, why the action is necessary, and the intended effect of the action. Extensive discussion belongs under the Supplementary Information caption.
For Further Information Contact: Questions about the proposed action and DEIS can be answered by: (Provide name, telephone number, and address of the person in the district or division who can answer questions about the proposed action and the DEIS).
Supplementary Information: The Supplementary Information should contain the remainder of the necessary information of the document. It should contain any authority citation, Federal Register citation to a previously published document, or CFR citation when appropriate and include a discussion of the following topics:
1. Briefly describe the proposed action.
2. Briefly describe reasonable alternatives.
3. Briefly describe the Corps' scoping process which is reasonably foreseeable for the DEIS under consideration. The description:
a. Shall discuss the proposed public involvement program and invite the participation of affected Federal, state and local agencies, affected Indian tribes, and other interested private organizations and parties.
b. Shall identify significant issues to be analyzed in depth in the DEIS.
c. May discuss possible assignments for input into the EIS under consideration among the lead and cooperating agencies.
d. Shall identify other environmental review and consultation requirements.
4. Indicate whether or not a scoping meeting will be held. Indicate time, date and location if a meeting is scheduled.
5. Provide an estimated date when the DEIS will be made available to the public.
• Text to be double-spaced. Use block format.
• Place local billing code number at the top of the first page on all three copies.
• Margins - one inch on top, bottom and right side; and one and one-half inches on the left side.
• Pages must be numbered consecutively.
• Text should be typed on one side only.
• Use 8 1/2 by 11 inch bond paper or photocopy paper.


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Base4 Clock On Kickstarter
September 29, 2017
September 21, 2017
My new Base4 Clock in a trendy Montréal Co-Working!
January 11, 2016
Many people write me asking if it would be possible to add/modify the clock color palettes or change the lamp mode display. Of course it is possible, it's open source! OK but, what does it mean for a clock to be open source? Why would you care? The short answer is, being open source gives […]
December 31, 2015
I am giving away two walnut and one maple hardwood Fibonacci Clock from my initial Kickstarter campaign! To get a chance to win one of the clocks simply register to my new blog mailing list. I'll draw a winners from all my subscribers on January 31st 2016! Good luck!
May 29, 2015
Here is an awesome story from England involving my Fibonacci Clock project. A few days ago I received a message from Mr. Elliot Malkin, a mathematics teacher at Churchill Academy & Sixth Form in Bristol UK . He decided to offer his 13 years old students some questions regarding the clock. They had to watch the videos, read about it […]
May 4, 2015
UPDATE: The Fibonacci Clock is now live on Kickstarter! I have 30 days to fund this project … head up to Kickstarter to support me! I present to you the Fibonacci Clock, a clock for nerds with style. Beautiful and fun at the same time, the clock uses the famous Fibonacci sequence to display time […]


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Student Conservation & Rebuilding Together to work in South Side Slopes
Presentations on the Student Conservation Association (SCA) and Rebuilding Together Pittsburgh were the focus of the February 12 meeting of the South Side Slopes Neighborhood Association.
The meeting began with President Brian Oswald introducing city controller Michael Lamb. He said last year, the city assisted individuals with property assessment appeals, and joined in a lawsuit charging that assessment appeals were unfairly denied.
Mr. Lamb said anyone whose certified appraisals were denied by the county's Board of Property Assessment Appeals and Review -- whether the individual received city assistance or not in their appeals -- should contact his office at 412-255-2051.
Next, Mr. Oswald said the public safety enforcement blitz of the South Side entertainment district that past weekend yielded these results: 63 inspections, 207 traffic citations, 19 non-traffic citations, two arrests, and 85 towed vehicles.
The four-week blitz total is: 181 inspections, 819 traffic citations, 53 arrests, and 250 towed vehicles.
Mr. Oswald also announced news of recent break-ins in the area.
In the last couple of weeks, two houses on Eleanor St. and one house on Mission St. were burglarized. Two houses on Cobden St. were burglarized a month ago.
Residents should not hesitate to call 911 to report suspicious activity in the neighborhood.
In his brief remarks, new board member Jamin Bogi said the Outreach Committee hopes to engage more Slopes residents in becoming active on the various SSSNA committees.
The plan is to map the Slopes into five or six zones, with active groups in each zone. A paper was then circulated for attendees to sign if they are interested in becoming a volunteer.
Mr. Oswald concluded the announcements by saying Carnegie Mellon University students would be doing clean-up in the area on April 6.
It is part of the school's "1000plus" day of service program for the greater Pittsburgh community which, this year, is April 6.
In the first presentation, Josh Nard of the Pittsburgh office of the SCA discussed the organization's spring program for 12 Hilltop youngsters to perform conservation service in South Side Park.
The youths will work Saturdays on trails, signage, clean-up, and more under the supervision of trained, experienced crew leaders. On Thursdays, they will attend workshops in the SCA's downtown office.
Mr. Nard said residents may join in with the students on Saturdays, but must sign waiver forms in case they are injured while working. Residents may also volunteer to speak with students.
He would like to celebrate Earth Day in South Side Park.
An attendee commented the more the word gets out about the desirability of living on the Slopes, the higher properties values will go. So, the work of SCA is much appreciated, he concluded.
Mr. Nard asked attendees inform him of any possible funding avenues.
In the next presentation, project manager Lindsay Ruprecht said Rebuilding Together Pittsburgh's focus is providing free home repair assistance to low-income seniors, veterans, and the disabled.
Applicants must own their homes for at least three years, and be current on all taxes.
Besides improving the lives of the homeowner, the program aims to revitalize and stabilize vulnerable neighborhoods, such as working on five to ten homes in a two-block area to make a visible difference.
Rebuilding Together Pittsburgh has two main programs: Operation Urgent Care, which addresses time-sensitive health and safety related issues with paid professionals, and Core Repair.
The latter utilizes volunteers, skilled trades, and funding partners. To that end, volunteers are being sought.
Ms. Ruprecht said she would be going door-to-door that week informing those in need of the program.
City Councilman Bruce Kraus said he has worked with the organization, and it is a very good group. He offered to provide a letter staying it is legitimate, and not a scam, when members approach residents.
Rebuilding Together Pittsburgh is part of a national network, and is also a local non-profit with 501(c)(3) status.
The meeting concluded with brief remarks by Candice Gonzalez of the Mayor's office, and by Mr. Kraus.
Ms. Gonzalez, who lives on the Slopes, said she participated in her first StepTrek in 2012. As the city's Neighborhood Initiatives coordinator, she will attend SSSNA meetings on a regular basis.
Chuck Half of the Mayor's Office, who attended various South Side meetings, has been reassigned, she said.
In his remarks, Mr. Kraus said the city is no longer collecting televisions, computers, and other electronic devices in trash pick-up, as mandated by a new state law.
The items must be taken to an electronics retail store or collection location where they will be recycled.
He said stores like Best Buy, HH Gregg, and Goodwill offer recycle programs at no charge to the consumer.
The next SSSNA meeting will be at 7 p.m. on April 9, which is tentatively planned as a mayoral candidates' night.


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Updated at 8:53 p.m. ET
Prosecutors in Paul Manafort's bank and tax fraud trial did not rest their case on Friday as had been expected earlier.
Instead, they called a witness to the stand who highlighted the sometimes murky line for Manafort between the personal and the political, and they said they expected to call one or two more witnesses on Monday before resting then.
The ninth day of Manafort's fraud trial began with an unexplained five-hour delay. During much of that time, Judge T.S. Ellis III was in conferences with prosecutors and the defense.
White noise is played in the courtroom during such conferences so the public and reporters cannot hear what was being said.
Some 90 minutes after the expected start to the day's testimony, the judge briefly called in the jury. Ellis issued a warning reminding jurors to keep an open mind and not discuss the case with anyone, including each other. He then announced a break for an early lunch.
The banker's evidence
After another 45 minute delay to kick off the afternoon, Dennis Raico, a former vice president of Federal Savings Bank, finally took the witness stand for the prosecution.
Raico talked about the unusual and winding process that Manafort used in qualifying for two loans from the bank in 2016 and early 2017. Manafort ultimately borrowed $16 million. Raico discussed the role the bank's CEO, Steve Calk, played in that process.
Manafort met with several of the bank's executives, including Calk, for dinner in Manhattan in May of 2016. Calk wanted to meet Manafort, Raico said, after hearing he was involved in politics. Raico testified that Calk said that he'd be interested in serving in a Trump administration.
Raico said that a few days after Trump was elected, Calk called him to say he hadn't spoken with Manafort in a few days. Calk asked Raico to speak with Manafort to see whether Calk was up for nomination to become secretary of the Treasury or secretary of Housing and Urban Development in the incoming Trump administration.
Jurors already have heard testimony that Manafort reached out to the Trump transition team to discuss choosing Calk for secretary of the Army. Ultimately, Army Secretary Mark Esper was nominated and confirmed for that position.
Raico also testified on Friday that in the fall of 2016, a loan-approval committee Calk led signed off on Manafort's loan within a day. The committee did so, Raico said, even though there were questions about significant discrepancies between the income figure on his tax return and the figure in other financial documents.
"A plus B didn't equal C all the time," Raico said. He also said the political nature of Calk's involvement in the loans made him "very uncomfortable."
Andrew Chojnowski, also of Federal Savings Bank, was the final witness of the day on Friday. He testified that Manafort had signed loan papers confirming that he understood that it's illegal to make false statements during the applications process.
Speed bump
As recently as Thursday, prosecutors had said they expected to rest their case on Friday after two weeks of detailed testimony from accountants, bookkeepers, luxury vendors and Manafort's former business partner.
That timeline has now shifted.
Now prosecutors are expected to rest Monday, sometime after court resumes at 1 p.m. ET. They've spent the past two weeks working to illustrate how they say Manafort evaded taxes on millions of dollars by hiding money in shell companies and bank accounts based mainly in Cyprus.
They also allege that when Manafort's income dried up — after his most important political consulting client in Ukraine was ousted from power — Manafort lied to banks to qualify for loans to sustain his luxurious lifestyle.
Once prosecutors rest their case, the defense will have an opportunity to call witnesses to the stand. It's unclear whether Manafort's team will have any witnesses testify, but the trial still seems on track to conclude next week.
Manafort has pleaded not guilty and his defense attorneys have blamed any financial wrongdoing in the case on his former partner Rick Gates, who has pleaded guilty to related charges as part of an agreement with the Justice Department.
Prosecutors present a paper trail
Rick Gates may have been the prosecution's most exciting witness — as well as the centerpiece of Manafort's defense — but he was only one of many who have appeared in the trial.
Gates testified early in the week for parts of three days, but the rest of the trial has been consumed on both ends of his testimony by accountants and bankers who worked on Manafort's taxes and processed his bank loan applications, as well as vendors who sold him numerous high-priced items like luxury cars and custom suits.
Throughout the trial, prosecutors also have relied on emails sent to and from Manafort about his properties, as well as the accountants who worked with his finances.
That may have been a countermeasure against one of the defense's arguments, which was that Manafort was not intimately enough involved in his own finances to have deliberately committed financial crimes.
On Friday, the jury was shown an email Manafort sent Calk regarding the loan he was seeking, saying "I look to your cleverness in how to manage the underwriting."
Prosecutors must prove to jurors that if Manafort did evade taxes or misguide banks, he did so intentionally and not by mistake.
The New York property
To that end, prosecutors on Thursday questioned Melinda James, a loan assistant at Citizens Bank, and Peggy Miceli, a vice president at Citzens Bank.
Manafort received a $3.4 million refinancing loan from Citizens Bank in 2016 on a property he owned in New York. Prosecutors allege that in applying for that loan, Manafort lied by classifying it as his second home instead of an investment or rental property. Actually, they said, he was renting it out.
Miceli testified that Manafort would not have been eligible for a loan that large against the property had the bank known it was being rented. Earlier in the day, a representative from Airbnb testified that the property had been listed as available for rent for much of 2015 and 2016.
During James' testimony, prosecutors showed the jury an email from Manafort to his son-in-law notifying him that the bank was sending an appraiser to assess the property.
"Remember, he believes that you and Jessica are living there," Manafort wrote. Prosecutors said that showed Manafort knew he was misrepresenting how the home was being used.
The judge ... apologizes?
Ellis has had a massive effect on the quick pace of Manafort's trial, but he has had an even larger impact on the tone of the courtroom.
He has admonished prosecutors almost daily. Last week, he took them to task because he said they were sowing resentment in the jury over Manafort's wealth. The judge growled at them this week to "get to the heart of the matter."
On Thursday, however, Ellis offered something different: an apology — or close to it. And on Friday, prosecutors requested another one.
Ellis upbraided the government's lawyers on Wednesday for allowing an IRS expert witness into the courtroom to watch trial proceedings before he testified. But as prosecutors noted in a motion filed after court on Wednesday night, the judge had previously said the IRS witness could stay in the courtroom.
Prosecutors argued in the motion that Ellis' criticism on Wednesday could imply that the government was trying to skirt rules in its trial tactics and gain an unfair advantage, when in fact Ellis had explicitly given prosecutors permission for the expert witness to stay in the room.
"This prejudice should be cured," prosecutors wrote.
Ellis opened court on Thursday by admitting he "may have been wrong" and that he sometimes makes mistakes "like any human — and this robe doesn't make me any more than a human."
"Any criticism of counsel should be put aside," the judge said. "It doesn't have anything to do with this case."
He made statements during witness testimony Thursday related to bank fraud that again made prosecutors unhappy. While the government's lawyers were questioning a bank witness about a $5.5 million loan that Manafort applied for but didn't get, the judge said: "You might want to spend time on a loan that was granted."
Prosecutors filed a motion Friday arguing the judge's comment "misrepresents the law regarding bank fraud conspiracy, improperly conveys the Court's opinion of the facts, and is likely to confuse and mislead the jury."
Prosecutors asked the judge to provide a clarifying statement, but Ellis did not reference the motion in court on Friday. He did, however, share a lighthearted moment with prosecutor Greg Andres, a sometime antagonist inside the courtroom.
Andres admitted that he'd forgotten to submit something into evidence, and Ellis remarked that "confession is good for the soul."
"I think my soul's in a pretty good place," Andres piped back, as the jury laughed. "Or it should be after this process."
Prosecutors thought they could wrap up today in the trial of Donald Trump's former campaign chairman Paul Manafort. But things did not go as expected. Manafort is facing 18 counts of tax and bank fraud in federal court in Virginia. NPR Justice correspondent Ryan Lucas has been covering this trial all week. And he joins me now from near the courthouse in Alexandria, Va., for the latest update. Hey, Ryan.
RYAN LUCAS, BYLINE: Hi there.
CHANG: So at this time yesterday, we thought the prosecution would rest its case by now, which did not happen. Why not?
LUCAS: Well, it was a weird morning here in Alexandria, frankly. There were a number of bench conferences - so discussions between the judge and lawyers for both sides. The public can't hear what's being discussed because they pipe white noise into the room during these discussions. And this happened a number of times this morning.
There were a series of breaks and conferences. And then the judge finally called the jury in after about 90 minutes, 90 minutes late, issued a warning of sorts to them. He reminded the jury not to discuss the case amongst themselves or with anyone at all, told them to keep an open mind. And then we broke for lunch.
So there were no witnesses this morning, which means the government was not able to proceed with more of its case. There was another delay in the afternoon before we began the afternoon session. We still don't have an explanation for what's happened, what the reason was, not precisely clear. Bottom line is the delay pushes the government's case into next week.
CHANG: Very mysterious. OK. So once things did finally get underway, what did we hear today?
LUCAS: Well, we heard from a former bank executive at a - at Federal Savings Bank, man by the name of Dennis Raico. He was testifying under an immunity deal. And he talked about $16 million in loans that the bank provided to Manafort in late 2016 and early 2017. And he said they were pushed through by the bank's chairman, Steve Calk.
And it was unusual, Raico said, for Calk to be so involved in approving loans. That made Raico very uncomfortable, that Calk was so involved. And he said that Calk asked him to call Paul Manafort days after Trump's election win to see if Calk was up for secretary of the Treasury or secretary of Housing and Urban Development.
Now, the jury has already seen evidence that Manafort asked about a possible job for Calk as secretary of the Army. The bottom line here is that prosecutors say Calk pushed through the loan because he wanted a job in the Trump administration. Now, the defense effort was - tried to present the loans as aboveboard because they say that there was adequate collateral to secure them.
CHANG: OK. So when the prosecution does finish its case, Manafort's attorneys will have a chance to present their evidence. Do you expect them to call any witnesses of their own?
LUCAS: Well, the big question is whether Manafort himself will testify. We don't expect Manafort to do so. Beyond that, we don't know at this point. The defense doesn't have to provide that information until after the government rests its case.
The bulk of the defense's case at this point - of its argument appears to largely rest on its cross-examination of Rick Gates. That's Manafort's former business partner. And they put Gates through a pretty brutal cross-examination earlier this week. And part of why Gates was likely in the middle of the trial is so that the jury hears from other witnesses, sees other evidence before they retire to make their decision.
CHANG: Now, this judge has made a point of moving as efficiently, as quickly as possible through this whole trial. But business did not go as quickly as expected today. Do you think this trial is on track to conclude sometime next week?
LUCAS: Yes. The judge actually said today that he still expects for this to be wrapped up by sometime next week. Prosecutors said they have another couple of witnesses this afternoon, a couple more maybe next week when the trial reconvenes Monday afternoon. And then we'll have closing arguments and jury instructions.
CHANG: All right. That's NPR's Ryan Lucas from outside the courthouse in Alexandria, Va. Thank you, Ryan.
LUCAS: Thank you. Transcript provided by NPR, Copyright NPR.


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September 05, 2012
Windermere Kids at the Y program update
Posted in Grant recipients by Tara Sharp
The Windermere Foundation has dedicated over 1.2 million dollars to this important cause—helping hundreds of kids through our first network-wide program. This unique partnership provides the YMCA with much-needed funds, as well as support from Windermere agents, who volunteer their time to assist with the summer camps and other kids' activities.
Read More >
August 23, 2012
Helping our kids start the school year right
Posted in Collections and drives by Tara Sharp
Summer has flown by and it is hard to believe school will be starting for most students in the next few weeks. For many of us, we have special memories associated with the start of a new school year. From seeing our friends for the first time all season, to a new fall wardrobe and all new school supplies to start the year. Unfortunately, many of the kids will not be so lucky this year.
Read More >
March 19, 2012
Together, we are making a difference
Posted in Uncategorized by Tara Sharp
According to the latest national census, more than 46.2 million people in the United States live in poverty. For the past 23 years, the Windermere Foundation has been dedicated to helping these low-income and homeless families, but in these tough times, the organizations and families we support need more help.
Read More >
February 02, 2012
Announcing the winners of the Foundation video contest
Posted in Video Contest by Tara Sharp
Read More >
December 15, 2011
Greater Seattle Offices Give $122,000 to Local Organizations
Posted in Grant recipients and News from the Foundation by Tara Sharp
If you have purchased or sold your home through Windermere, you are a part of the Windermere Foundation. Each of our offices raises funds through transaction donations, fundraising efforts, and personal contributions. The funds they raise go back to their communities, to benefit local nonprofit organizations and programs that support low-income and homeless families. We are starting a new serie...
Read More >
November 18, 2011
Milepost 40—The Journey Continues; Second Annual Windermere Foundation Video Contest
Posted in Video Contest by Tara Sharp
Read More >
October 05, 2011
We did it! Building Better Communities Event Highlights
Posted in Events and Foundation in the news by Tara Sharp
This year, the Windermere Foundation is doing more for our communities, in neighborhoods where there are a lot of kids but not a lot of resources. To nominate a project or learn more about what is happening in your area, go to www.windermereandyou.org.
Read More >
September 07, 2011
Building Better Communities: Puget Sound Park Update
Posted in Uncategorized by Tara Sharp
Read More >
July 20, 2011
Building Better Communities, One Home Sale at a Time
Posted in Foundation in the news by Tara Sharp
The Windermere Foundation has been active in our communities for more than 22 years, but this year we decided we could do more: building parks and recreational facilities in communities with a lot of kids, but not a lot of resources. Learn more at www.windermere.com
Read More >
March 02, 2011
Read Across America Day, with a side of Green Eggs & Ham
Posted in Inspiration and ideas by Tara Sharp
Today is a great day to share your favorite books with a child you know. What is your favorite book from childhood? What are your favorite books to share with your children or grandchildren?
Read More >


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A variety of activities have been scheduled for the annual Homecoming Weekend at Hope College, running Friday-Sunday, Oct. 5-7.
Highlights include the 30th annual Run-Walk, a Homecoming parade, a tailgate picnic for alumni, a home football game with AlmaCollege, a worship service, and reunions for the classes of 1987, 1992, 1997 and 2002. The weekend is expected to bring hundreds of alumni back to campus.
Many of the Homecoming events are open to the public.
On Friday, Oct. 5, at 4 p.m., Dr. Jeremy Edwards, who is an assistant professor in the Department of Molecular Genetics and Microbiology at the University of New Mexico at Albuquerque, will discuss efforts to sequence DNA molecules quickly and cost-effectively. He will be speaking in room 102 of VanderWerf Hall through the college's Gentile Interdisciplinary Lectureship, a divisional seminar in the natural sciences named in honor of Dr. James Gentile, a former dean for the natural sciences who is now president of Research Corporation.
The college's Symphonette will perform on Friday, Oct. 5, at 7:30 p.m. in Dimnent Memorial Chapel.
Hope College Theatre is presenting the play "The Nina Variations" by Steven Dietz on Friday-Saturday, Oct. 5-6, and Wednesday-Saturday, Oct. 10-13, at 8 p.m. in the DeWitt Center studio theatre. Tickets are $7 for regular admission and $4 for senior citizens and students, and are available in the ticket office in the front lobby of the DeVos Fieldhouse. The ticket office is open weekdays from 10 a.m. to 5 p.m. and can be called at (616) 395-7890. Tickets will also be sold at the door on performance nights.
The exhibition "Artist/Designer" featuring work by E. McKnight Kauffer and Don Shepherd continues in the gallery of the De Pree Art Center through Friday, Oct. 5. The gallery is open Mondays through Saturdays from 10 a.m. to 5 p.m. and Sundays from 1 p.m. to 5 p.m.
An orchid show is being featured in the greenhouse of the A. Paul Schaap Science Center from Wednesday, Oct. 3, through Monday, Oct. 15. The show will be open from 8 a.m. to dusk daily.
The 30th Run-Walk will take place on Saturday, Oct. 6, with registration starting at 8 a.m. at the west entrance of the DeVos Fieldhouse. Events will include a health fair in the fieldhouse from 8:30 a.m. to 10:30 a.m., a two-mile prediction walk at 10 a.m. and a five-kilometer run at 10 a.m. Registration information may be obtained by calling the department of kinesiology in the fieldhouse at (616) 395-7070.
There will be two-hour tours of the college's biological field station west of Holland near the lakeshore on Saturday, Oct. 6, starting at both 9 a.m. and 1:15 p.m. The tours will begin at the A. Paul Schaap Science Center.
The Hope-Geneva Bookstore in the DeWitt Center will be open on Saturday, Oct. 6, from 10 a.m. to 3 p.m. The bookstore will also sponsor a tent staffed by members of the college's Alumni Board and featuring selected Hope merchandise, primarily clothing, at Holland Municipal Stadium on Saturday from 1:30 p.m. through the end of the college's game with Alma College.
Alumni of lacrosse at Hope will play a game on Saturday, Oct. 6, at 10 a.m. on the east lawn of the DeVos Fieldhouse. Alumni of the men's soccer program will play a game on Saturday, Oct. 6, at 11 a.m. at Buys Athletic Fields.
There will be a tailgate picnic for alumni and their families on Saturday, Oct. 6, from noon to 2 p.m. on the lawn of the DeWitt TennisCenter. Tickets for the third annual picnic may be ordered in advance for $5 for children age five through adults, with admission free for children under five, by sending a check to: Hope College; Alumni Relations; PO Box 9000; Holland, MI 49422-9000 or by credit card by calling (616) 395-7339. Tickets will also be sold on-site.
The Alumni H-Club's annual Homecoming luncheon will begin on Saturday, Oct., 6, at 11:30 a.m. at the DeVos Fieldhouse. The club will recognize female Hope athletes from the era before the passage of the national Title IX legislation in 1972, presenting them with varsity letters retroactively in honor of their role as pioneers in women's sport at the college, and will present its "Hope for Humanity Award" to Russ DeVette, a Hope graduate who spent 37 years at Hope as a member of the faculty and coach.
At 1 p.m. on Saturday, Oct. 6, the Homecoming parade will leave campus at 13th Street and College Avenue and wind its way to Holland Municipal Stadium. The parade will travel north on College Avenue from 13th Street to 10th Street, east on 10th Street to Columbia Avenue, south on Columbia Avenue to 13th Street, and then east on 13th Street to the stadium.
The men's soccer team will host Alma College on Saturday, Oct. 6, at 2 p.m. at Buys Athletic Fields.
The Flying Dutchmen will host Alma College in football at Holland Municipal Stadium on Saturday, Oct. 6, at 2 p.m. The pre-game show, which begins at 1:30 p.m., will feature the Schoolcraft High School band, which will also be marching in the parade. Halftime will feature the band; the presentation of the 12th annual "Favorite Faculty/Staff Member Award," as chosen by the student body; the introduction of the Homecoming Court; and the crowning of the Homecoming king and queen. In addition, the college's chapter of Mortar Board will be holding a children's book drive at the stadium beginning at 2 p.m. on Saturday.
A Homecoming worship service will be held on Sunday, Oct. 7, at 10 a.m. in Dimnent Memorial Chapel. The service will feature the college's Chapel Choir and Alumni Chapel Choir under the direction of Dr. Brad Richmond of the Hope faculty. The guest preacher will be the Rev. Trygve Johnson, who is the Hinga-Boersma Dean of the Chapel at Hope. Dr. Huw Lewis, professor of music, will be organist.
Events for the reunion classes include parties for each on either Friday evening or Saturday evening, and a celebration brunch at the Haworth Inn and Conference Center on Saturday. There will also be a reunion for cheerleading alumni on Saturday at 11 a.m. at the Dow Center, and a gathering for international students and alumni on Saturday from 4:30 p.m. to 6 p.m. in the rotunda of the Martha Miller Center for Global Communication.
The soccer fields at Buys Athletic Fields are located on Fairbanks Avenue at 12th Street. The De Pree Art Center is located on Columbia Avenue at 12th Street. The DeVos Fieldhouse is located facing Fairbanks Avenue between Ninth and 11th streets. The DeWitt Center is located on Columbia Avenue at 12th Street. The DeWitt Tennis Center is located on Fairbanks Avenue near Holland Municipal Stadium. Dimnent Memorial Chapel is located on College Avenue at 12th Street. The Haworth Inn and Conference Center is located on College Avenue between Ninth and 10th streets. The Martha Miller Center for Global Communication is located on Columbia Avenue at 10th Street. The A. Paul Schaap Science Center is located on 12th Street at College Avenue. VanderWerf Hall is located along the south side of 10th Street between Central and College avenues.
A full schedule of Homecoming activities is available online at www.hope.edu/alumni/homecoming


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I just ran across an interesting photograph:
Note the (toppled) stack of what appears to be portable railway track in a fairly narrow gauge (24" or less?) near the foot of the weir.
The site is the irrigation flumes/ditches of the McBryde Sugar Company on Kauai circa 1910.
I have also run across a photo showing the remains of some portable track used in the construction of the levadas on Madeira. I had run across irrigation flume or pipeline construction railways before (in Canada, Puerto Rico, the USA, Argentina and more) but not many using portable track panels of such narrow gauge.


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Latest News
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We constantly insist on the separation between editorial and advertising. Some advertisers had asked for preferential treatment from us before. However, they were all turned down right on the spot. It has been made clear that one doesn't have to be an advertiser in order to get a review (however, one does have to have a good product in order to receive positive coverage). In fact, our editors are authorized to freely try out and praise (or criticize) whatever they see as important to the areas of coverage. The editorial processes are never influenced by any outside party (including the manufacturer of the product under review).


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Greens, Ivory & Whites, Rugs, Transitional by Loloi Rugs
Breathe casual elegance and flirty fun into any room of your house with the hand-hooked Juliana Collection. Handmade in China of 100-percent polyester, the intricate, high/low texture of these unique rugs is achieved with a mix of petit-point and bolder hooks. Juliana's eye-catching designs feature a selection of transitional florals and stripe patterns that wear a decidedly happy palette. With texture this bold and colors this fun, you will smile every time you walk into your home.
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Do we still need film critics?
Anyone who cares about film has been watching as mainstream criticism of the medium has been disappearing in recent years. Salt Lake Tribune critic Sean Means has been documenting the ranks of critics laid off from major newspapers and magazines since 2007, a sorry tally that had been increasingly indicating that full-time, paid work as a film critic is a relic of another time. Last week, venerable Hollywood trade publication Variety dismissed its highly respected critic, Todd McCarthy. That news set off a firestorm in the Net movie community -- some, like me, wondered, if Variety doesn't see any future in film criticism, maybe there isn't any.
Indeed, when Variety editor Tim Gray announced the dismissal of McCarthy (as well as other staffers), in a memo to employees, he said that the "changes [to the publication] won't be noticed by readers." Won't be noticed? And Gawker posted a legal deposition from a lawsuit against Variety (in a mostly unrelated matter) revealing that the pub doesn't think anyone takes its reviews seriously!
Maybe that's true. Maybe Variety is a relic of another, pre-Internet time, before the days when anyone could tweet to the world how much that new Michael Bay movie rocks and amateur critics could rant on for 70 minutes on YouTube about the failings of George Lucas. Hell, there are even some very good critics writing -- for love and a little money, at least -- online.
Maybe the world doesn't need film critics at all. Maybe 14-year-old boys of all ages only want to hear which 1970s Saturday morning cartoon is being adapted for 3-D IMAX next, and don't care what it means that the only Hollywood movies aimed at ostensible grown-ups these days seem to eschew all grown-up sensibility. Maybe 14-year-old girls of all ages only want to coo over moody, sparkly vampires, and don't care why the traditionally overtly sexual mythological bloodsucker has been neutered by modern pop culture.
Those people don't need film criticism, and have never appreciated film critics anyway. Those of us who do need it -- and those of us who feel compelled to make it -- will become a new underground, meeting in virtual speakeasies where the analysis and the assessment and the commentary flows freely. Just say the password at the door -- it's "Ebert" this week -- or tell them you're a friend of Pauline's.
MaryAnn Johanson is compelled to make criticism at FlickFilosopher.com. (email me)
View the original article on film.com


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Roman Baker's Easter Cakes Commemorate Vatican Basilica
His special 'cupolone' treat, shaped in the form of a dove, is intended to recall Catholicism and the Holy Spirit.
ROME — Italians are known for their food, and at Easter time one Roman baker is putting his craft on display by making cakes to commemorate St. Peter's Basilica and remind people of the Holy Spirit.
"We call it 'Cupolone' [dome] to recall Catholicism and the Holy Spirit," said Angelo Colapicchioni, an Italian baker who grew up next to the Vatican.
The big sweet cakes have a similar texture to bread, but with a faint taste of orange, and are topped with almonds and thick grains of flaky sugar.
"We make them with flour, fresh eggs, butter, candied orange and citrus peels and almonds from Sicily," said Colapicchioni.
They are traditionally made each year at Easter time in Italy and are better known as "Colomba," or doves, since they come in the shape of a dove.
"We are particularly tied to this area [the Vatican] with affection," Colapicchioni told Catholic News Agency on March 27.
The 77-year-old Roman grew up on Borgo Pio, a street that ends at one of the entrances to the Vatican, and he used to see Pope John XXIII walking in the area.
The baker compared him to Pope Francis, whom he described as "very human" and someone who "breathes trust."
"Like John Paul II, they are people who are very loved by the people because they are close to the people," said Colapicchioni.
His father opened the Colapicchioni Bakery in 1934, and the business now has two stores with around 23 employees. The original location is on Via Tacito near Castel Sant'Angelo, and it specializes in local artisan products like jams and wine from the Lazio region.
The second store, on Via Properzio near the Vatican Museums, is where six bakers dedicate themselves to creating the delicious Italian cakes and desserts that are traditionally eaten at Easter.
His bakery, which is known simply as "Colapicchioni," is nearly 80 years old and sells hundreds of the handmade cakes each Easter.
Romans also eat "pastiera" during Easter, a cheesecake traditionally made in Naples.
"We use ricotta cheese from Roman sheep and some flavoring, but it's very delicious because it's a very delicate sweet," Colapicchioni said.
"The 'pizza romana' is another Easter sweet that we make as well as the 'casatiello' and Easter chocolate eggs," he added.
The casatiello is a dish eaten on Easter morning and is composed of cold cuts topped with eggs inside their shells.
"Italians remain tied to certain traditions because even in times of crisis they may eat less, but they still buy these typical Easter products," said Colapicchioni.
They also buy "pizza di Pasqua," a salty yellow bread with cheese, and "salami di felino," a specific type of salami from the Parma region.
"They may buy less. but they are never missing on Italian tables on Easter Day," he added.
According to the baker, Italians used to go out on picnics on the Monday after Easter.
"But we are losing this tradition, because now there are people who go to the taverns or stay home," said Colapicchioni.


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Darcy St. James is an adventure journalist and she boarded the Destiny Cruise Line's Bering in order to assist her investigative report friend, Abby. When Darcy arrived in Alaska, she discovered that Abby has disappeared and there was a man overboard warning and at first she believed Abby might have fell overboard. Darcy also run back into Gage McKenna. Darcy and Gage were very close until life struggles torn them apart. Gage lost his infant son and he is very bitter and heartbroken and he withdraws because of his terrible pain. He is also hurt by his ex-wife actions and he has lost his faith in God. By the end of the book, the truth will be revealed about where Abby is and if she is even alive?
I would recommend this amazing book to anyone who loves mystery mixed with a little romance. I strongly liked how the author conveyed the struggles that Darcy and Gage went through in their lives and these characters were very relatable. I especially adored the Christian interwoven into the pages of this suspense filled novel. Their journey back to faith will inspire readers to never give on God even when life goes unexpectedly. I immensely liked the vivid details portraying the Alaska theme and I felt like I was sailing on the cruise ship along with the characters. If you're seeking a great mystery book with a Christian background, then read this one!
If you would like to purchase a copy of Stranded, check it out on Amazon.com:
"I received this book free from the publisher through the Bethany House Publishers/ Chosen book review bloggers program."


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Patron Saint's Day of the church of St. Alexander Nevsky in Belgrade
His Holiness Irinej, Serbian Patriarch served on the occasion of the church slava the Hierarchal Divine Liturgy in the Belgrade church of St. Alexander Nevsky.
Serbian Patriarch was served by protopresbyter-staurophor Professor Dr. Vladimir Vukasinovic, protopresbyter-staurophor Radivoj Panic, presbyter Arsenije Arsenijevic, presbyter Vladimir Markovic, protodeacon Momir Lekic, protodeacon Stevan Rapajic, deacon Dragana Tanasijevic and deacon Aleksandar Sekulic.
The transfer of the relics of St. Alexander Nevsky
From an early age turned to God. The prince of Novgorod became in 1236. Even though he had a weaker army, with the help of God, he managed to defeat the Swedes on the Neva River in 1240. In 1250 he became Grande Prince of Vladimir. In Tatar Golden Horde he refused to worship idols. Because of his wisdom, courage, physical strength and beauty, he was also respected by Tatar Khan. Feeling that his end is near, he took monastic vows and was given the religious name of Alexis, partook the Holy Communion and - died. It was in 1263 when he was 43 years old. At the funeral, as alive, he opened his hand and took farewell charter from the Metropolitan. By order of Peter the Great, Nevsky's relics were transported from Vladimir to the Alexander Nevsky Lavra in St. Petersburg where they remain to this day.


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NEW YORK, Aug. 20 (UPI) -- Television personality and cardiologist Dr. Mehmet Oz was among the people who rushed to the aid of a woman injured by a taxi cab in New York Tuesday.
The New York Post said the vehicle jumped the curb outside Manhattan's Rockefeller Center, hitting a 22-year-old British tourist, severing her left leg below the knee.
A pizza-truck owner grabbed the limb and put it in a bucket, then collected ice from street vendors to preserve it until medical personnel arrived.
He and other passers-by used a dog leash as a tourniquet to stop the bleeding on the left leg, while a plumber used his belt to try to staunch the bleeding from the woman's right leg, the Post said.
Oz told the newspaper he was at his nearby office when he heard the crash and ran down to the street to offer assistance. He told the newspaper everything appeared to be under control when he arrived.
"These guys saved her life," Oz told the Post of the Good Samaritans.
The woman was taken to Bellevue Hospital where her condition was not immediately known.
The Post did not say if the cab driver, who remained at the scene, was cited for the incident.


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Brother Said Ozdemir who is one of the 12 assignees of His Highness Bediuzzaman says;"At this time, the Islamic Union is the religious obligation."
Presenter: I would also like to learn the following from you; what kind of importance and significance did Islamic Union have in our Master's daily life? I mean there are many things that are told about our Master. They have been saying our Master liked this, did this, etc. but how much of the Master's day was spent on the idea, the notion of Islamic Union..
Said Ozdemir:Now for instance, let me give you an example. Now Master has a letter about the Wahabis in the book of Letters. I mean it was about some of their over doings. While we were publishing the Letters he said; "brother Said, Do not put it in the book of Letters." We asked "Why?" He said; "Now it is the time of the Union of Islam. There shouldn't be a separation, a conflict in between us. Until the (time of) Islamic Union. But," he said "after the Union of Islam the scholars can sit down and tell themselves." Did you understand? "The intention here is," he said "for all the Muslims to enter directly into the Islamic union there and then and they need to embrace each other with the love of brotherhood." And his highness the Master says in the Damascus Sermon; "At this time the Islamic Union is the religious obligation. Everyone should work for that; for the unity and togetherness of Muslims. At that time," he says, "the banner of Islam will fly all over the world and it would be amazingly powerful. Even Europe and America would have to kneel in front of that Islam."
Related Works


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Job Information
Anthem, Inc. Manager, Business Information in West Covina, California
SHIFT: Day Job
SCHEDULE: Full-time
Your Talent. Our Vision. At Anthem, Inc., it's a powerful combination, and the foundation upon which we're creating greater access to care for our members, greater value for our customers, and greater health for our communities. Join us and together we will drive the future of health care.
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The Manager, Business Information is responsible for managing a team of associates who analyze medical cost and utilization data. The team supports Anthem's California commercial HMO products with the primary objective of identifying opportunities for contracted capitated providers to improve cost and utilization performance.
The manager must be able to collaborate with all internal stakeholders involved in managing capitated provider performance within the market. Employs high-level critical thinking skills, superior interpersonal communications skills, as well as a record of generating insights that support improving provider performance.
Primary duties may include, but are not limited to:
Hires, train, coach, counsel, and evaluate performance of direct reports.
Lead team analysis of cost and utilization performance of capitated medical groups; identify areas of potential improvement.
Designs and oversee the development of reporting and data visualization methods as required to communicate provider performance.
Partner with provider network and clinical teams to identify anomalies in performance and develop remediation plans.
Assure quality and integrity of data collected, analysis performed, and reports generated.
Develop methods for improving internal techniques and processes.
Maintain awareness of market and industry trends.
Requires BA/BS and 5-7 years related experience; or any combination of education and experience, which would provide an equivalent background.
Previous experience as a supervisor of direct reports.
Experience in managed care, the healthcare delivery system, provider networks, and associated data analysis approaches required.
Excellent analytical, organizational, planning, oral and written communication skills required.
Ability to present information internally and externally in a virtual setting.
Preferred Skills and Experience:
Managed Care experience with emphasis on capitated provider performance
Familiarity with contracting models, provider reimbursement strategies and renewal modeling
Demonstrates effective situational leadership, quick and continuous learning style and high impact communication skills
Communicates effectively with all levels in the organization including executives and Medical Directors
Displays excellent leadership, problem solving, organizational, planning, presentation and interpersonal skills
Influences and collaborates across functional lines with variety of matrix partners and levels
Anthem, Inc. is ranked as one of America's Most Admired Companies among health insurers by Fortune magazine and is a 2018 DiversityInc magazine Top 50 Company for Diversity. To learn more about our company and apply, please visit us at careers.antheminc.com. An Equal Opportunity Employer/Disability/Veteran.
REQNUMBER: PS39049-California


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925 Sterling Silver Plated Women Cross Necklace Crystal Chain Jewelry
Gender: Women
Shape: Cross
Material: Copper, Silver Plated
Chain Length: About 46cm/18inch
Color: Silver
Weight: About 6 g
Package Includes:
1 x Women Cross Necklace
- Please allow 1-3CM differs due to manual measurement.
- Due to different producing batches, product details might be a little different. If you minding the difference, please buy it carefully.


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What is The Union Leadership Institute?
The New York State AFL-CIO/Cornell Union Leadership Institute is an intensive, one-year leadership development training and education program for current and emerging union and alt. labor leaders and experienced staff. Institute participants share ideas and common concerns, acquire new tools, sharpen skills, and connect with other New York labor leaders from across the New York State. The purpose of the Union Leadership Institute (ULI) is to develop effective, knowledgeable, and strategic-minded leaders who will carry out their responsibilities guided by clear ethical standards, and transcendent labor values such as fairness, dignity, equality, safety, and health. The Institute prepares leaders to think and act boldly to strengthen the ability of the labor movement to achieve economic and social justice for all working people.
What is the Program?
The Institute's one-year program has three components: seminars, individual projects, and elective courses. Participants enter the Institute during the first weeklong seminar in July on Cornell's Ithaca campus. They complete a series of four two-day seminars during the year, and then graduate at the conclusion of the second weeklong seminar the following July.


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Vancouver, WA – May 18, 2017 –
Rêve Exteriors of Vancouver, Washington, has received the most prestigious contractor award GAF offers: The GAF President's Club Award. This highly coveted award recognizes Rêve Exteriors as one of the "elite of the elite" residential roofing contractors in the United States.
GAF is North America's largest roofing manufacturer, and only GAF Master Elite(R) Contractors can compete for its residential President's Club Award. To qualify for this award, a residential roofing contractor must demonstrate an exceptional level of excellence in their business, especially in the areas of Installation Excellence, Consumer Protection, and Installer Training.
Rêve Exteriors has been a GAF Master Elite(R) Contractor since 2012; the company received the President's Club Award due to its excellent performance in 2016. To become a Master Elite(R) Contractor–a status that less than 2% of roofing contractors nationwide are able to achieve–a candidate must meet specific criteria in at least one out of three different pathways: the Performance pathway, where contractors focus on giving their property owners the best possible service, quality, and protection; the Reliability pathway, where the contractor has a long history of offering their customers the best quality and protection; and the Service pathway, where contractors consistently offer their customers the best protection available in the marketplace.
Since opening its doors in 2012, Rêve Exteriors has held a commitment to build and run its business around five core principles: the best American-made, eco-friendly products, unbeatable lifetime manufacturer product warranties, great customer service, factory-trained installers, and highly trained staff. "We bring home that dream," says president Donnie R. McMillan, Jr. "Helping customers to renovate their homes to 'stunning' is our role and our highest purpose."
Capitalizing on decades of general contracting experience, Rêve Exteriors improves customers' homes with time-tested, trusted products. "The exterior home-improvement market is filled with competitors who can put on a roof, a set of doors, or a window," states McMillan. "That's not enough for us. We've conducted extensive research and interviewed manufacturers to select the right partners, ones who share our foundational principles."
Whether a homeowner wants a new roof for aesthetic reasons or needs one, due to a roofing problem that can no longer be ignored, Rêve Exteriors has a solution. "Whatever the reason for the re-roof, we don't want homeowners to make costly mistakes," explains McMillan. "Often, the primary cause of roof failure is the absence of proper maintenance and inspection. We recommend, as a minimum, an annual inspection for every roof system. Those periodic inspections are key to increasing the long-term service life of a roof. Our qualified inspectors check the entire roof area, documenting and photographing all deficiencies. We can then present recommended maintenance actions to the homeowner."
The company has been recognized for its exceptional performance. Rêve Exteriors has received Alside's Award of Excellence and the Angie's List Super Service Award, as well as HomeAdvisor's Seal of Approval, Elite Service Award, and Best of 2015 Award. It also holds an A+ accreditation with the Better Business Bureau.
With periodic special offers to deliver greater value, Rêve makes it simple and budget-friendly for homeowners to make repairs or improvements to roofing, siding, windows, gutters, and skylights. "Whether a home needs a new lifetime roofing system, weather-tight doors, bright picture windows, skylights, siding, or baths, we can do the job," concludes McMillan. "Our product selections are meant to 'wow' homeowners, and we can fit their desired styles, performance, and budget needs. Rêve Exteriors knows about building dreams!"
About Rêve Exteriors
Since 2012, Rêve Exteriors has provided quality exterior renovation services to homeowners in the greater Vancouver area, Spokane, Kent, and southern Idaho. Backed by years of general contracting experience, Rêve has revolutionized the home-improvement industry. By working around its five core principles, selecting the right industry partners, and using only time-tested, trusted materials, Rêve Exteriors offers quality products, solid warranty protection, impeccable installation, and brag-worthy customer service.
Rêve Exteriors LLC
4613 NE St. Johns Road
Vancouver, WA 98661
(360) 859-9982
Facebook: https://www.facebook.com/Reveexteriors
Twitter: https://twitter.com/ReveExteriors
YouTube channel: https://www.youtube.com/channel/UCwFdvUDfPB8S3eQ4aBScRLg
About GAF:
Founded in 1886, GAF is the largest roofing manufacturer in North America. The Company is an operating subsidiary of Standard Industries.
GAF products include a comprehensive portfolio of roofing systems for residential and commercial properties, which are supported by an extensive national network of factory-certified contractors. Its success is driven by its commitment to Advanced Quality, Industry Expertise, and Solutions Made Simple. GAF was the first roofing manufacturer to offer a Lifetime limited warranty on all of its laminated shingles, which then evolved with the introduction of the GAF Lifetime Roofing System by extending the Lifetime coverage beyond just the roofing shingles.
With a focus on social responsibility, GAF developed Advanced Protection(R) Shingle Technology, providing excellent durability and wind resistance while reducing the use of natural resources. The Company has also developed single-ply and asphaltic roofing membranes with excellent durability and high reflectivity to meet the most rigorous industry standards while helping commercial property owners and designers reduce energy consumption.
GAF also supports the roofing industry through CARE, the Center for the Advancement of Roofing Excellence(TM), which has provided education to over 230,000 professionals. CARE's mission is to help professional contractors and distributors build their businesses through sales and management education, and to provide product and installation training to contractors, distributors, architects, property owners, and related industry personnel.
For more information about GAF, visit gaf.com
About Standard Industries:
Standard Industries is a privately-held, global, diversified holding company with interests in building materials, aggregates, and related investment businesses in public equities and real estate. With over 7,500 employees and operations in more than 80 countries, Standard maintains a team-oriented culture of meritocracy and operational excellence, and a passionate focus on investing in its people.
Media Contact
Company Name: Rêve Exteriors LLC
Contact Person: Donnie McMillan
Email: firstname.lastname@example.com
Phone: (360) 859-9982
Country: United States
Website: http://www.reveexteriors.com/


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The Charterhouse Collection Aged Brass 10A 4 Gang 2 Way Switch with Black Insert
£41.98 Inc VAT
This Antique Brass 10A 4 Gang 2 Way Switch with Black Insert is plated, brushed and aged to create the warmest of our finishes and a perfect complement for many period styles.
The Charterhouse collection's timeless appearance and stylish screwless finish provides a warmer tone than the Savoy collection and naturally conceals fingerprints and small blemishes, making it a great choice for high traffic use and young families.
Socket and switch finishes are an important consideration for interior design and styling and should be chosen to match their surroundings. If you have aged/antique brass finishes in your home, this Antique Brass 4 Gang Switch will provide the perfect complement.
- 15 Year Guarantee
- Conforms to BS EN 60669-1


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Splash Car Wash Gives to The Den for Grieving Kids, Stamford CT
Every year, Splash Car Wash teams with local organizations to help bring relief
to those in our own communities who need it the most. While we respect the
work of national organizations, we feel that we can help effect real change by
giving to those close to home.
As Splash Car Wash continues to celebrate it's 30th anniversary year, we can't
help but reflect that our charitable attitudes started with donations to the local
Greenwich ARC. We were so blown away by the positive response that we
made such donations a company policy every since. In every new town we
opened in we would look for a great local organization to partner with.
Every Holiday season when you purchase a Splash Gift Card from our
Stamford, CT location you are helping Splash Car Wash prepare a gift for
Stamford's own center for The Den for Grieving Kids . From every gift car
purchase a percentage is set aside as a donation. We are proud to announce that
all combined we have just given a total of $1,158 to the very worthy cause.
The Den for Grieving Kids is a program of Family Centers, and provides a
safe, caring place for children, teens and families to explore their feelings about
the loss of a family member or friend and begin the journey toward healing.
Children and their families participate in groups led by professionals and
trained volunteer facilitators.
For more in center for hope visit www.familycenters.org
For more on Splash Car Wash visit http://www.splashcarwashes.com/


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There are two different types of measles (rubella and rubeola). Rubella also know as "German Measles" is generally a mild, three-day infection that has the potential to cause birth defects in babies born to mothers who are infected with it during pregnancy.
Rubeola typically referred to as just "measles" is a more serious disease and is sometimes called "hard", "red", or "seven day measles". Individuals infected with measles frequently suffer from ear infections and/or pneumonia.
Measles cases in the U.S. are surging. The viruses that cause both rubeola and rubella are highly contagious. The Centers for Disease Control & Prevention reports the biggest outbreak since 1996.
According to the CDC, about 30% of measles cases develop one or more of the following complications:
- Pneumonia, which is the complication that is most often the cause of death in young children.
- Ear infections occur in about 1 in 10 measles cases and permanent loss of hearing can result.
- Diarrhea is reported in about 8% of cases.
These complications are more common among children under 5 years of age and adults over 20 years old.
The ones who suffer the most from the rubella virus are those yet to be born. Between 1964 and 1965, there was a worldwide epidemic of rubella. Pregnant women who contracted rubella in the first trimester of their pregnancy could pass the rubella virus to their developing fetus, causing the child to be born deaf, blind, with cardiac problems, developmental delays and other medical conditions. In the United States alone, approximately 20,000 children were born during this epidemic with two or more of these symptoms. This constellation of symptoms is known as congenital rubella syndrome, or CRS.
It is also possible for children & adults to develop complications following a bout with rubella. In adults, those complications can include the following:
- Encephalitis (brain infection) occurs in one in 6,000 cases, usually in adults.
- Temporary blood problems, including low platelet levels and hemorrhage occurs but is rare.
- Up to 70% of adult women with rubella have pain and/or swelling of the joints, which is usually temporary.
And in some cases rubella infection in an adult can lead to permanent hearing loss.
If you suspect you've been exposed to the either virus and have not been vaccinated against the disease and have noticed a change in your ability to hear contact your physician as soon as possible. There is no specific treatment for rubeola or rubella. Management is a matter of responding to symptoms to diminish discomfort and that includes addressing any changes in your ability to hear.


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Boone hotel pool heater manual 'strongly' recommended carbon monoxide detectors
3 die from poisoning in same room
The owner's manual for the pool heater at a Boone motel where three people died from carbon monoxide poisoning this year warns detectors for the odorless gas should be put in when the heater is installed.
The Charlotte Observer obtained the owner's manual from the company that supplied the heated by using the device's model number.
The front page of the manual has a warning strongly recommending carbon monoxide detectors. Inside, there is another warning saying improperly installing the heater could cause death from carbon monoxide gas.
Authorities say the motel didn't install the detectors and didn't get a permit before installing the used heater in 2011. A married couple died one night, and an 11-year-old boy died a month later in the room above the heater.
Police are still investigating the deaths.


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Reading this book felt like an invasion of privacy. I don't know Bill Strickland- I've never met him and I don't even know anyone who has. But I read his articles and blogs, I've read his books and I've heard him interviewed, so I feel like so know him. This meant reading his memoir Ten Points didn't feel just like reading any other book- it felt like reading his diary. After finishing his book, I feel like I've been shown all the life changing events of a person I've only just met. I felt like a peeping Tom reading this book, but it was absolutely worth it, as it was an amazing read.
Strickland was consumed by demons left over from an abusive father. For the most part, through his life, he was able to keep the demons in check. But once he became a husband and a father, he became fearful that his demons will ruin everything he helped build. He feels sure the curse of his childhood will cause him to turn into his father. Even when he discovered that cycling helped keep the demons in check, he was still afraid that they signified a curse which doomed him to failure. Which is why when his daughter innocently asks if he can score 10 points in his crit season, he says yes, hoping it will help banish the demons and break the curse. So we follow Strickland as he turns himself inside out to score 10 points and save himself from the curse.
I love reading, but I prefer simple fare- I'm not interested in flowery writing or pages of descriptions or in deciphering clues hidden in words. There are a few exceptions and Strickland is one of them. His writing seems effortless and the beauty with which he describes even the simplest of actions amazes me. He finds ways to put words to emotions and feelings and internal experiences that can't be put into words. I wanted to put an example here, but I realized that each sentence and paragraph is part of the whole. You know how they say the whole is the sum of its parts? To take a part out of context would, first, lessen the impact it would would have as part of the whole, and second, deny a new reader the joy of discovery how it all fit together.
Strickland also has a way of weaving a story together that makes me envious. Whenever I write, I obsess over organization and flow. Strickland's stories of his past and present are woven together seamlessly, with the introduction of each past event flowing into the present event it mirrors and influenced. In this way, we are allowed to discover alongside Strickland how what he experienced in the past shaped who he becomes in the present.
As someone who loves cycling, I thoroughly enjoyed how he described the racing. I've never raced, and probably never will, and it was fascinating to get a glimpse into the middle of the pack. It is in these sections where his descriptive abilities really come out. The jostling, the shouts, the fighting for position, the reading of the pack, the way breaks get away, the recovery after sprints- the narration of the races made me feel like I had actually been in a race. It is during these races where Strickland discovers new things about himself and using his skill with words, his self realizations are put onto paper.
I will admit that the parts I enjoyed most were not the racing bits- it was his interactions with his daughter and wife that drew me in the most. The presence of his family around him as he fights his demons and as he looks back into his past made his journey into himself all that more moving.
While this is a book about bike racing, it isn't just about bike racing. In fact, it's mostly about how a family needs all its members to survive. It's about how the weakness of one can destroy it and the strength of another can save it. The bike just happens to be where discoveries himself and tries to rid himself of the curse of his childhood. Through his book we are allowed a glimpse into his life. We get to see how he is a good father, even though he thinks he's not. We see how the childhood events of his wife's life shape her family decisions. We are allowed a brief look into a marriage that has gone through fire and emerged even stronger. We see how the wisdom and innocence of a child can inspire and motivate the adults that surround them.
This is not an easy book to read- books that deal with child abuse never are. There were many times I had to put the book down and compose myself. But I had to finish it. I had to know how (if) he conquers his demons. This book is a moving look into how what doesn't kill you really can make you stronger, but only if you're willing to face it head on.


text: Oh. Wow. Hey! Thanks for reading and reviewing my stories, it really means a lot to me! My life now is a little crazier than I expected and its hard for me to find time to write so I sincerely apologize. I'll update and write more as soon as possible! I promise. I just don't know when that'll be.


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my nose is raw
I have a cold
not a bad cold
I have a cold
my head is stuffed up
my nose is running
I am not feeling one hundred percent
I have a cold
the one thing greater than the risk of flats in a cross season
is getting a cold in cross season
life, work, and the world are against me trying to train
there is life which includes a wife, a dog, and two kids...
and all that goes with it
there is work... showing up early and staying late
okay... trying to be on time and frequently having to stay late
then the change of season with shorter days
it is tough to get out and ride
long rides have never been my thing
short attention span and short rides
that is my style
those are my options
as it turns out my short commute with a short extension is usually all that I have time for
trying to make the best of my short time and short rides
no I am not so intense to train hard
but... I do try to get something out of the riding that I enjoy
some people do wind sprints others do hill climbs
okay... it is more analytical than that in this day and age
but I am not that analytical
I am just riding
but I know that the various types of riding may offer different types of training
so I rode through the city
did what I call... urban wind sprints....
that is riding around town and going with the flow
stopping and slowing when traffic allows
then sprinting to speed only to have to stop or slow in a block, two, or four.....
then to take the speed from nothing to something
then.... shortly after the guy yelling, "there is a sidewalk" I took it to the sidewalk
well, actually I took it to the singletrack path beated into the earth on this small urban park on Capitol Hill
did several loops around the park
aware and cautious of dogs, runners, people headed home, and whatever
then did a few variations of this short loop with greater confidence
trying to see how the bike feels
never doing anything that would qualify as "cornering"
after a few loops I glanced at my watch and took it back to the streets
more trying to get a groove with traffic and the lights
a good exercise for getting in touch with my almost new Specialized Tri Cross bike
good to get in touch with my cross bike before my first cyclocross race of the season this weekend in baltimore
very excited about fighting the desire to quit
currently wondering if this Jagermeister is going to help my cold
it tastes like cough medicine
will it help my cold?
enough on this rant
I am lost
not sure if this came full circle
"that's enough now
I an tired of singing"
where is that quote from?
someone other than my brother
okay... I will settle on my brother
anyone? anyone? ferris? ferris bueller?
2 comments:
- Zoo said...
take the week off!! Biggest mistake I ever made this year was training through a cold, went from being sick for a few days to being sick for 3 weeks, sucks.
- 9/21/2006
- gewilli said...
just lay off the booze - up the Vitamin C
and what ever ya do...
don't stop commuting...
(and Don't listen to Dave)
- 9/21/2006
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Although it has become much easier for individual investors to adjust their retirement accounts as often as they wish, human nature is such that most people are still inclined toward just leaving their allocations be, even if they know it's probably not in their best interest to do so.
In fact, many people don't even adjust their portfolios on an annual basis, says Victor Ricciardi, a professor of finance at Goucher College in Baltimore, Md., despite the fact that an increasing number of companies allow investors to automatically set up an annual rebalancing online.
Ricciardi—who has done extensive research in the fields of behavioral finance and the psychology of risk—attributes this lack of proactive investment behavior to what he calls "the anchoring effect." The anchoring effect causes individuals to cling to a belief that may or may not be true, and to base their decisions for the future on that belief. The inertia and inattention that this leads to can have detrimental effects on their retirement accounts.
"In the late 1990s, for example, the stock market was going up and people simply followed suit and kept buying more and more shares," Ricciardi says. "Even though that resulted in a bubble situation, investors' general tendency was to just let things be without bothering to take any timely decisions with respect to asset allocation and risk—decisions that could have helped them fare better in the future, when the markets turned."
If people anchor themselves to the idea that the stock market will keep going up, they not only will suffer from inertia, but will inevitably find themselves in a risk category that isn't the right fit for them, and they'll be putting themselves at a far greater risk when that market turns, Ricciardi says. Conversely, in a period of protracted market downturn, people tend to anchor themselves to the idea that stock prices are just going to keep going down. This then leads to a complete disregard for investing in the equity market (in fact, people start to shun stocks, Ricciardi says), and results in a situation where individuals end up in a risk category that's well below what would benefit them in the future.
"What we're seeing now is negative anchoring, a period in time where people are framing their investments in the context of the most recent financial crisis and all the negative news that they're constantly getting about the economy, unemployment and so on," Ricciardi says.
Human nature is such that people just don't like to change, and that's even more the case when it comes to money and investing, which are governed by a deep-set fear of loss.
"The idea of just letting things be, of not making timely decisions are common to most people in both positive and negative markets," he says.
But the only way to counter the very common "status quo bias" that this results in, Ricciardi says, is to make sure that people are rebalancing their retirement portfolios on a regular basis, or at the very least once a year.
"This is the only way to counter the status quo bias and investor inertia, and to make sure that people are not in a risk category that doesn't fit them or invested in something that doesn't benefit them," he says.
And the only way that people are going to actually rebalance annually is by working with a financial advisor, whose job it is to make them rebalance and to take both the subjective and objective sides of saving and investing into account and help their clients become better financial decision makers, Ricciardi says.
"Financial advisors have to monitor their clients and make sure they rebalance on an annual basis," he says. "People go to a doctor every year, they do their taxes every year. They should also be looking at their retirement portfolios every year and it's their advisor who has to get them to do this."
An advisor also needs to determine what kinds of mental biases are affecting their clients' investing behavior and understand how to counter these, if necessary, for more efficient financial planning, Ricciardi says. And then, advisors need to figure out what are the best products suited to their clients' risk profile and ensure they're properly diversified between asset classes and not staying away from any particular product.
"The whole idea is that people should not have an emotional attachment to their investments," Ricciardi says. "Advisors need to help their clients with their mental biases and then try and implement a non-emotional investment strategy."