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Republic Day 2015 Greetings Whatsapp Messages Wallpaper SMS Quotes Quotes India Facebook
Wish you all Indians a Happy Republic Day
Hon'ble President of India Shri pranab mukherjee address to the Nation on the eve of 66th Republic Day of India on 25th Jan 2015 at 7:00 PM IST. Click here for LIVE Video
India got its freedom on 15 August 1947 as a sacred government with George VI as head of state and the Earl Mountbatten as representative general. The nation, however, did not yet have a perpetual constitution; rather its laws were focused around the changed pioneer Government of India Act 1935. On 28 August 1947, the Drafting Committee was selected to draft a changeless constitution, with Dr.b. R. Ambedkar as executive.
This Republic Day, our Prime Minister Mr. Narendra Modi invited US President Mr. Obama to be the 1st US President to grace the occasion as Chief Guest.
A salute of 21 guns and the unfurling of the Indian National Flag by Dr. Rajendra Prasad heralded the historic birth of the Indian Republic on that day. Thereafter 26th of January was decreed a national holiday and was recognised as the Republic Day of India.
The Constitution gave the citizens of India the power to choose their own government and paved the way for democracy. Dr. Rajendra Prasad took oath as the first President of India at the Durbar Hall in Government House and this was followed by the Presidential drive along a five-mile route to the Irwin Stadium, where he unfurled the National Flag.
Republic Day 2015 Speech for Students in EnglishToday we are all assembled to celebrate our 66th Republic Day. A day when we remember all our great leaders who have fought for independence of our country. For our independence. It's because of them we are able to enjoy a free life today ruled by no one. Leaders have proved that we can win war without using guns and machines. By maintaining values, practicing ethics India has won a war over British. India before Independence, celebrated 26th January as Republic day. But we got our independence on 15th August 1947. What happens to 26th Jan ? So on 26th January 1950, constitution of India was formed and thereafter we have celebrated this day every year as Republic day. Our country is a symbol of great diversity in every form. I wish the feeling of oneness remains in the heart of every Indian in our movement to glorious future. May god bless you all. More
First I want every Indian citizen in India and abroad wishes on the auspicious day of the Day of the Republic of India (January 26). As we all know, on January 26, 1950. India declared as a republican country, and the Constitution of India was put into effect.
After the constitution is made, entered into force on 26 January 1950. Since that day, January 26 reminds us this auspicious day and we celebrate it every year as our Republic Day. As India Republic was this day, so it is called as Republic Day. After making the Constitution, to change things and our country began to become a very strong and established republic. Many activities, such as elections, industrialization, agriculture etc staged in our country.More. Republic Day SMS Republic Day Quotes
Mera Rangde Basanti Chola Mae Rangde Basanti Chola!!!
Aazadi ko chli behane diwanon ki tolliyan...
India is my country,
All Indians are my brothers and sister,
I will always respect my country,
And I am proud of it..
Jai Hind!!!!
Greetings for Republic day
"One Nation, One Vision, One Identity
"No Nation is Perfect, it needs to be made perfect."
Our Best Nation, India
Happy Republic Day."
happy republic day Image
Greeting message
"Abbreviation of INDIA
I - INDIAN N - NOT D - DELAY I - IN A - ACTION Happy Republic Day"
republic day greeting image
Republic day Greeting
"We the youth of India should take the pledge that till our last breath we will fight terrorism, we will protect our mother INDIA with all we have got
"31 states
1618 languages
6400 castes
6 ethnic groups
29 festivals
"Constitution Gave us Faith, freedom , Peace an Pride. So Let's Value the Day it was created And Wish Happy Republic day with a smile."
"On this Republic day.
Here I am wishing,
Our dreams of a new tomorrow come true,
For all of us… Now And Always!
Let's make our country Prosperous
Happy Republic Day! "
Let us move Let Every citizen of India WakeUp, From The East Where Sun Rises, The West Where It Sets, North And South Where It Has No Footprints Come Together And Pay A Heartful Tribute To Our National Heroes.
Republic Day Videos
Maa Tujhe Salaam AR Rahman
Vande Matharam
Aisa Desh Hai Mera a lovely Patriotic song with full of positivity and joy, The song is sung by Udit Narayan and Gurdas Maan. Based on Madan Mohan's composition. Lyrics are penned by Javed Akhtar.
Republic Day Whatsapp Messages
United we stand, Divided we fall, Let's renew our pledge to unitedly protect our country from foreign invaders. Let's Celebrate 26 January. Happy Republic Day!
On this day think of our past and Try to built better future for all of us.. It is a duty of all of us!! I am proud to be an Indian. Happy Republic Day
Its 26 January today, The historical day to remember our national heros & freedom fighters Who suffered to give us a republic nation. Happy 26 January, Happy Republic Day!
republic day speech for students, republic day speech for kids, republic day speech for kids, republic day speech for children, 26 Janaury republic day speeches, republic day English speech. Happy Republic Day 2015 FB cover photos, FB status, FB messages Best Republic Day SMS, WhatsApp & Facebook Messages to send Happy Republic Day greetings
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This past Sunday, I took the morning off to visit Margaret Roach's garden , head guru of A Way to Garden. She had a Garden Conservancy Open Day.
I took my camera along to inspire me in my own garden. I took over 100 pictures, of flowers, trees, Frogboys, Jack the cat, chipmunks and architectural elements around her home.
She was busy answering questions from the hundreds of people that came to see her creation.
When I got back to my studio and downloaded my pictures, I was so inspired by my visit,that I made a Memory Box of the occasion.
I had a hard time picking which pictures, but these are my favorites. All have different elements, textures and color. Vintage iron fencing leaning on a tree, a rusty headboard for a gate. Buddha among foliage. A purple chair with alliums next to it and anyone who knows me, purple is the best. Topping the box off are a group of Pansies smiling at you. As I was making this, there was a smile on my face the entire time, remembering my walk through her garden.
Enjoy my memories of that morning.
Click on the first thumbnail to start your tour of my Memory Box.
[nggallery id=5]

subset: commoncrawl


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Performance Dates Announced For 'Hamilton' In BostonThe Tony Award-winning music and cultural sensation "Hamilton" is coming to town. . . eventually.
Many Broadway Shows To Offer Kids' Tickets Free On Feb. 28Great deals on Broadway are few and far between but in February — for one day only — kids get to go for free.
Lin-Manuel Miranda To Leave 'Hamilton' On July 9The news that no die-hard "Hamilton" fan — or anyone who hasn't seen the Broadway smash yet — wants to hear has arrived: Lin-Manuel Miranda, its creator and star, is leaving the show.
'Hamilton' Star Lin-Manuel Miranda To Join James Corden On 'Carpool Karaoke'James Corden's "Carpool Karaoke" is going to Broadway.
Meet David Korins, The Man Behind The Look Of 'Hamilton'Korins' work in opera, film, concerts, theater and TV ranges from sleek, hyper-minimalist to homey and crafty. People tend to call him when the job is going to be hard, as in lots of locations and items that will defy physics.
Why Hamilton The Musical Is Important To Our History"Hamilton" just received 16 Tony nominations, but it's a big deal for more reasons than that. Here is a quick look at why this new musical is important to know.
Lin-Manuel Miranda On 'Hamilton,' Success, Weird RequestsThe last year has proven to be an incredible journey for "Hamilton" creator Lin-Manuel Miranda, culminating with a record-breaking 16 Tony nominations.
Theater Trips: 5 Critically-Acclaimed Broadway Shows Everyone's Talking About & Everyone In Your Group Will LoveA list of must-see Broadway shows that will make the perfect destination for your next big group trip.
Cast Of 'Hamilton' To Perform At The GRAMMYsThis will be the first live musical theater performance in 5 years.
James Corden To Host 2016 Tony AwardsThe Tony winner and host of "The Late Late Show" is set to host "The 70th Annual Tony Awards"
CBS Drama 'Code Black' Welcomes Cast From 'The Lion King'The medical drama CBS' "Code Black" gets a dose of Broadway magic this week when cast members from "The Lion King" — and one memorable Mufasa — end up in the emergency room.
Police: Cambridge Woman Finds Stranger Hiding In Her ShowerThe woman said she was about to take a bath when she discovered the unfamiliar man hiding in the corner of her shower.
Performances Announced For The 2015 Tony AwardsPerformances for the 2015 Tony Awards were announced, revealing a list of performers that is sure to entertain even the most untheatrical of viewers.
First Tony Awards Performers AnnouncedThe first group of performers have been announced for "The 69th Annual Tony Awards"
How To Save On Sightseeing In New York CityMany of New York's top attractions can be visited for free or at a discount.


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Listening to the audio version of this book got me through a rainy day of curtain sewing, and I must say it was a great way to read this book–the time flew by. With candor and wit, Kelly Corrigan talks about parenting, marriage, mothering, career, family, friendship, illness, aging, and mortality. Some of her language is a bit jarring, but I appreciated her deeply honest vulnerability and her willingness to share her own stories in order to give us (and herself) permission to not have all of the answers, but still have something simple yet meaningful to say in tough situations. And of course sometimes the best thing is to say nothing at all!
So what are some of the hardest things to say? Here's a sample few to give you the idea, and note, these are said without nattering on and including our own stories, excuses, reasons, or explanations: "Tell me more." "I know (but only if you actually do)." "I was wrong." "I don't know." And of course the one we all struggle with, "No."


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After a week of calls for tighter gun restrictions, the National Rifle Association called for putting more armed security officers in the nation's schools and expressed concerns about violence portrayed in video games, movies and music. NBC's Pete Williams reports.
National Rifle Association executive vice president Wayne LaPierre blamed Hollywood, video games music, the courts and more on Friday for creating a culture of violence in the United States.
"The only thing that stops a bad guy with a gun is a good guy with a gun," he said at a Washington press event, adding, "With all the money in the federal budget can't we afford to put a police officer in every single school?"
LaPierre made his lengthy statement to the press one week after the shooting that killed 20 children and six adults at a school in Newtown, Conn.
Protesters twice interrupted LaPierre, who will appear this Sunday exclusively on NBC's "Meet the Press," holding signs reading "NRA KILLING OUR KIDS," and screaming that the gun rights group has "blood on its hands."
He said that elected officials had no authority to deny Americans the right and the ability to protect themselves and their families from harm.
And he noted that there are millions of active and retired police officers, military veterans, and private security guards – "an extraordinary corps of patriotic, trained, qualified citizens" – who should devise a protection plan for every school.
"I call on Congress today to act immediately to appropriate whatever is necessary to put armed police officers in every single school in this nation," he said.
Disbelief in some quarters after NRA urges armed guards in schools
He said that laws that established gun-free school zones have had the effect of telling "every insane killer in America that schools are the safest place to inflict maximum mayhem with minimum risk."
LaPierre said America has left its schoolchildren "utterly defenseless -- and the monsters and the predators of the world know it and exploit it."
He criticized Congress for not creating a national database of the mentally ill and called for increased federal prosecution of those who illegally possess guns.
LaPierre did not indicate that the NRA would support any additional restrictions on the sale or possession of guns. He ridiculed the idea that "one more gun ban or one more law imposed on peaceful, lawful people will protect us where 20,000 other laws have failed."
Meet the Press moderator David Gregory says he will ask the NRA's Wayne LaPierre whether or not he's open to having a broader discussion about gun violence with President Obama.
He assailed the news media which he said had "demonized gun owners."
And he said "the next Adam Lanza" is "waiting in the wings" and argued that copycat killers are encouraged by "a national media machine that rewards them with wall-to-wall attention and a sense of identity that they crave."
He also criticized the video game industry and Hollywood movie studios for films such as "American Psycho" and "Natural Born Killers."
Do you agree with the NRA's Wayne LaPierre? Sound off on the MTP Facebook page.
On Wednesday President Barack Obama asked Vice President Joe Biden to lead an effort that includes members of the Cabinet and outside organizations to devise concrete legislative gun restriction proposals by next month, "proposals that I then intend to push without delay," Obama said.
He said he would "use all the powers of this office to help advance efforts aimed at preventing more tragedies" such as the shootings in Connecticut.
House Speaker John Boehner on Thursday said, "When the vice president's recommendations come forward, we'll certainly take them into consideration."
Sen. Dianne Feinstein, D-Calif., the author of the 1994 ban on certain types of semiautomatic firearms which expired in 2004, announced this week that she will introduce new legislation early next year.
Semiautomatic firearms, including semiautomatic weapons sometimes called "assault weapons," fire one round per pull of the trigger.
Her bill would outlaw the sale, transfer, importation and manufacture of more than 100 specifically-named firearms as well as certain semiautomatic rifles, handguns and shotguns that can accept a detachable magazine and semiautomatic rifles and handguns with a fixed magazine that can accept more than 10 rounds.
Feinstein would also outlaw large-capacity ammunition magazines capable of accepting more than 10 rounds.
Her measure would also "grandfather" weapons legally possessed on the date of enactment and exempt more than 900 specifically-named weapons used for hunting and sporting purposes, according to a statement from her office on Monday.
The number of murders committed with guns has declined sharply in the past 20 years.
The rate of firearms-related murders in 2011 was 3.2 per 100,000 people. In 1993 the rate of firearms-related murders was 6.6 per 100,000 people. The number of firearms-related murder victims dropped from more than 17,000 in 1993 to 9,903 in 2011.
Yet the shootings in Connecticut have raised the possibility that Congress might enact restrictive legislation that would incorporate the 1994 ban as well as measures to increase funding for treatment of mentally ill people.
It is not yet clear what specific legislation, in addition to Feinstein's bill, will be proposed in Congress and which measures Obama would throw his weight behind.
He did say during the second debate with his Republican opponent Mitt Romney that he wanted to see "if we can get an assault weapons ban reintroduced. But part of it is also looking at other sources of the violence. Because frankly, in my home town of Chicago, there's an awful lot of violence and they're not using AK-47s. They're using cheap hand guns."
He added, "What I want is a comprehensive strategy. Part of it is seeing if we can get automatic weapons that kill folks in amazing numbers out of the hands of criminals and the mentally ill. But part of it is also going deeper and seeing if we can get into these communities and making sure we catch violent impulses before they occur."
The outcome of legislative efforts in the Senate may well be determined by Democratic senators from states where there's strong support for the rights of gun owners.
Following the school shooting tragedy in Newtown, Conn., Wayne LaPierre, Executive Vice President of the National Rifle Association, says "vicious, violent video games" like "Mortal Combat" and "GTA," along with "blood-soaked films" like "Natural Born Killers," "bring criminal cruelty into our homes each and every day."
Sen. Joe Manchin, D- W.W., who was just re-elected in November, has given mixed signals on his readiness to support restrictions on semiautomatic weapons.
Manchin said on MSNBC's "Morning Joe" Monday that, "I'm a proud NRA member and always have been. But we need to sit down and move this dialogue to a sensible, reasonable approach…. I don`t know anyone in the sporting or hunting arena that goes out with an assault rifle. I don`t know anybody that needs 30 rounds in a clip to go hunting."
But two days later in an interview with West Virginia talk radio host Hoppy Kercheval, Manchin seemed to edge away from his statement on Monday. Manchin said he was "not supporting a ban on anything. I'm supporting a conversation on everything."
When Kercheval asked Manchin if he regretted what he'd said on Morning Joe. "I'm saying it more articulate today," Manchin replied.
In addition to Manchin and another centrist Democrat, senator-elect Joe Donnelly of Indiana who has received NRA backing in past elections, there are half dozen Democratic senators up for re-election in 2014 who represent states that are more protective of gun owners' rights, for example, Sen. Kay Hagan of North Carolina, Sen. Mark Pryor of Arkansas, and Sen. Mark Begich of Alaska.
A long-dormant national conversation about guns has reignited: some are calling for an assault weapons ban while other feel guns themselves aren't the root of the problem. So far the shootings have sparked several gun buy-back programs and even an anti-gun video organized by big-city mayors – but the NRA says it's the entertainment industry that is partly to blame. NBC's John Yang reports.


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The Central Connecticut men's track and field team competed on Saturday at the Scarlet & White Invitational hosted by Boston University. Juniors Jamal Fruster and Brian Biekert raced for the Blue Devils.
Fruster notched the gold on Saturday, finishing first overall and setting a new CCSU record of 48.31. Fruster's time surpasses the 24-year old record of 48.39 set by Dave Rusnock in 1990.
His 400m time marks Fruster's second appearance in the CCSU indoor record book as he also holds 4x400m relay record, along with teammate Ryan Budd, and former teammates Dan Hopper and Nick Lindblom (3:17.15, 2013).
Biekert raced the one mile on Saturday, crossing the finish line in 4:11.56 for the bronze. Biekert also holds a CCSU record. Earlier this season, he posted a time of 4:06.05 in the mile.
The Blue Devils return to action on Saturday, February 22 at the USA Track & Field (USATF) Championships in Albuquerque, NM.


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Yaquina Bay Lighthouse
This was an early lighthouse, now part of Yaquina Bay State Park. It was found not to be adequate for maritime safety, so the Yaquina Head Lighthouse was built just up the coast.
Cape Meares Lighthouse
A cute little lighthouse at Cape Meares, a few miles from Oceanside, Oregon. The first visit to this place was so fog-shrouded that we could barely see the lighthouse from a few feet away. Fortunately the following day it was sunny and beautiful. (Thank you to arctangent and Terry Allen for correcting my location from Cape Lookout to Cape Meares.)
Yaquina Head Lighthouse
It took three trips to the Yaquina Head to get good views of this lighthouse, due to heavy fogs and extreme winds. Third time was a charm, with the fog bank waiting...
North Head Lighthouse
This lighthouse was at North Head or Cape Disappointment, Washington.
Tillamook Rock Lighthouse
This lighthouse operated from 1881 to 1957. It is often fog shrouded, but can be seen on clear days from Tillamook Head, Ecola State Park. I didn't get this shot until my third stop at this location.
Pt. Wilson Lighthouse
Lighthouse on Fort Worden, Port Townsend, Washington.
Lighthouse on Tatoosh Island
Tatoosh Island is about a half mile off Cape Flattery, the most northwest point of the contiguous 48 states. This image emphasizes the lighthouse and the pretty colors in the sun.
Point Wilson Lighthouse
This lighthouse is on old Fort Worden, no longer a military base, and which is now a park in Port Townsend, WA. The lighthouse was built in 1919.
Lime Kiln Lighthouse
This lighthouse on San Juan Island was built in 1919. This site is one of the best places to see Orcas Whales swim by. Alas, none while I was there this time.
Cape Florida Lighthouse & Palms
~ A view of the lighthouse at Bill Baggs State Park, south of Miami, Florida
Cape Florida Lighthose ~ This historic lighthouse from 1884 is in Bill Baggs State Park on Key Biscayne south of Miami. It has a stately look surrounded by gardens and dunes.
Old Point Loma Lighthouse ~ This lighthouse was build high on the cliffs above Point Loma in San Diego. It proved to be too high above the ocean, as it was often obscured by fog and clouds. The new light, built in 1891, is down the cliff at sea level. This lighthouse is part of Cabrillo National Monument.
Lighthouse With a Picket Fence ~ This is a view of the Old Point Loma Lighthouse in San Diego, CA. It is part of Cabrillo National Monument.
The New Point Loma Lighthouse ~ This working light guards the San Diego Harbor and coastline of Point Loma. It is called the "new" lighthouse, built in 1891, to replace the "old" 1855 lighthouse located 400 feet up the cliffs, and often obscured by fog and clouds. It is all part of Cabrillo National Monument.
Battery Point Lighthouse
~ Crescent City, California
Pigeon Point Lighthouse ~ 50 miles south of San Francisco, near the small town of Pescadero, this lighthouse has been warning mariners since 1872. The tower is 115 feet high, one of the tallest lighthouses on the West Coast. The fog muted the colors of this beautiful spot.
Point Reyes Lighthouse
~ Built in 1890, on the foggiest and windiest area in California, on a cliff close down by the water, to be visible to seamen navigating through the fog and along the coast in a rough storm. It is in Marin County, north of San Francisco. To reach the lighthouse, one must climb a steep descent down 315 steps (and back up!).
Judith Sparhawk
Trinidad Memorial Light ~ In Trinidad, California, built in 1949, in memory of sailors lost at sea.
~ Crescent City, California. This lighthouse was built in 1856, reactivated in 1982. It is one of only three surviving from the original series of California lighthouses.
Trinidad Memorial Light, Trinidad, California ~ This light was built in 1949 as a memorial to sailors lost at sea; their names are shown at the site. It is a replica of the active Trinidad Head Light, which was built in 1879. The original fog bell from the Trinidad Head Light is hung beside the tower, and is rung at noon every day
Point Pinos Lighthouse, Pacific Grove, Monterey Peninsula, CA
~ This lighthouse was built in 1855, and is now surrounded by a golf course. It is not uncommon to see deer grazing on the grass and among the cypresses.
Incidentally, I got yelled at by some golfers, trying to get this shot!
Old Point Loma Lighthouse, San Diego, California
~ This was the first Cape Cod style lighthouse built in California, in 1855. It was high on a hill, and thought to be an ideal site, but was so often obscured by low cloud banks and fog, it was replaced by the "new" Point Loma Lighthouse, down nearer the sea, in 1891.
Marblehead Lighthouse ~ This lighthouse is on the edge of Lake Eirie, at Marblehead, Ohio.
Point Cabrillo Lighthouse, Mendocino Coast ~ This victorian lighthouse is located a few miles north of the Village of Mendocino, on the northern California coast. It was built in 1909 and remains active.
Point Cabrillo Lighthouse, Mendocino Coast ~ This victorian lighthouse sits on the Mendocino Coast, just north of the Village of Mendocino. It was built in 1909 and remains active. It is open for visitors.


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Closed Down: Why Business Leaders Should Close Down Brothels
Those who attend business seminars and talk about business management of the brothels or a brothel usually come up with the view that brothels are now viewed as a victim of human trafficking. This belief was due to the increasing number of young people who have entered into the world of prostitution.
The number of young people entering into the sex industry is alarming and the sex industry is therefore viewed in a negative light. Some businessmen and corporate heads think that it would be best to close down all brothels which are doing harm to the society. It is common knowledge that they are great sources of livelihood for some families and they provide livelihoods for a large number of families who are forced to work in brothels.
You may ask why it is considered necessary to close down the brothels? Many think that it is about the welfare of the society as it is being viewed as a victim of human trafficking and most of the customers are actually trafficked people. It is not just about the welfare of the society, but it is also about the welfare of the people who would earn money from brothels.
There is a big emphasis on human rights in the United States. One can only appreciate that the state has created laws that can protect the person and their welfare is paramount. This is not an excuse however, as there are no laws that can protect the welfare of the customers who are earning their livelihood.
The business leaders who are against the brothel operators often say that they do not want to get involved with brothels as they feel that these people are not able to manage the brothels well. The operators of the brothels can always take advantage of this. If the business heads of the society were able to see the truth behind the perception of what is happening in the society, they would be able to bring the right attitude in managing.
If the business fraternity will also understand the cause of the closure of brothels, they can support the fight against the brothels. The business fraternity can make it a point to adopt an open stance towards the brothels and promote better social conditions for the people who are trying to earn livelihoods from brothels. It is true that people who run brothels should be accountable for their actions.
But not every person who has got involved in brothels will be able to care for the welfare of the women who are working in brothels. It is not easy to make these people make changes in their ways. All the same, it is possible for everyone to make changes and strive for better social conditions.
The brothel operators too have to understand the problem better. The operators should be willing to make changes in their methods and they should also make efforts to ensure the welfare of the people who are earning livelihoods from brothels. There are many instances where the operators of brothels have been successfully fighting for the welfare of the women.
The brothel operators should never forget that they are the same people who should be looked after as the people who do earn their livelihoods from their brothels. They should be willing to make changes in their ways and help in making the society a better place to live in.
It is not very easy to convince people to change their ways. People may think that it is not their right to be angry about the problems they have experienced as they have no time to waste and they should learn to accept the changes that occur in their life.
It is often found that people do not get angry when they have experienced discrimination. They do not get angry when they have experienced being harassed and they do not get angry when they have been abused. It is the same for people who have to earn livelihoods from brothels.
People who are working in brothels should be considered as human beings as well as they should be given the dignity and respect as workers need to be treated better than animals. There is no need to create any kind of stigma against the people who work in brothels.


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16 February 2020
16 February 2020
God Save The Queen – Katrina Darling – Playboy Plus
GOD SAVE THE QUEEN: British burlesque sensation Katrina Darling-whose second cousin is Kate Middleton, Prince William's wife, is preparing to take the stage for a special private dance right here on Playboy.com and on newsstands across North America and Britain. "The more into it the audience is," says Katrina, "the more into it I am." Ready? The curtain is about to rise. The September issue of PLAYBOY magazine goes on sale Friday, August 17, 2012.


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Graphic Products, Inc. has released an illustrated, easy-to-understand 12-page whitepaper, "Introduction to Photoluminescent Labels, Signs & Path Markings" for facility managers and contractors. According to the company:
- Created to help keep facilities safe and compliant with local, state, national and international regulations, this guide is available for free.
- Photoluminescent technology provides a way to clearly mark exit pathways and provide emergency information that will be visible in smoky conditions and when lights fail.
- Since no power is required, photoluminescent labels and signs provide a reliable and safe approach to identify hazards, provide directions and display critical information during an emergency.
- The technology involves mixing light-storing crystals into labeling materials.
- Strontium oxide aluminate crystals provide a stronger light and last longer than zinc sulfide crystals, which are used in glow-in-the-dark toys.
- The guide also includes codes and standards from the International Building Code, the National Fire Protection Agency (NFPA), the American Society for Testing and Materials (ASTM), Underwriters Laboratories, the California Building Code, New York City (post 9/11) and Connecticut codes.


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Karen J. Fleetwood to Christopher M. Harris, 714 Levy Avenue, $214,000.
Douglas C. Carter and Margaret P. Smith to Ken and Betty Jane Mori, 118 Goodman Street, $131,000.
Robert C. Price and Diane D. Beaudois-Price to Thomson Road Corporation, parcel on Thomson Road, $389,000.
Joshua A. Goldschmidt and James B. Spence III to Church Hill Development Company LLC, parcel on the east side of 11th Street NE, parcel on Valley Road Extended, parcel on the west side of 10-l/2 Street, parcel on North Avenue, parcel at Avon Street and Bolling Avenue, and parcel at 1105 Avon Street, no price given.
Esther P. Porter and Sarah Powell Wright to Stephen P. and Elizabeth Anne Janoschka, condominium at 602 Cabell Avenue, $96,900.
Charles B. and Kennon G. White to Kirsten E. Franke, 911 Old Farm Road, $402,000.
Frank A. Cramblitt to Thomas E. Bailey and Caroline C. Bertrand, 121 A&B Westerly Avenue, $195,000.
John C. Hines to Dana R. Blythe, 212 Douglas Avenue, pursuant to separation agreement.
Development Management LLC to Anne K. and Lane L. Bonner III, 119 Washington Avenue and 1414 Gordon Avenue, no price given.
Eleanor Lee Barnes to Patricia Ann Greway, 1218 Smith Street, $118,000.
Regina M. and Edward F. Smith Jr. to Ravindra S. Kharl, 103 A&B Westerly Avenue, $252,000.
Anne K. and Lane L. Bonner III to Development Management LLC, parcels on Wilder Drive, Crestmont Street, Gordon Avenue, and Washington Avenue, no price given.
Marietta B. Hatcher to James S. Ferguson, 1018 Holmes Avenue, $163,000.
Christopher J. and Wendy L. Jones to Digs Inc., 1032 Linden Avenue, $144,000.
Henry W. Maclin Jr. and James E. Skeen, Trustees, to Lawrence E. Howard, condominium unit at 408 East Market Street, $92,000.
William D. and Frederika S. Hill to Martin Yates, condominium unit at the Corner Village, 1215 Wertland Street, $60,000.
John C. and Jennifer A. Morgan to Clyde A. and Jessica N. Simmons, 227 Monte Vista Avenue, $189,500.
Glenn T. and Lesley M. Forloines to Gregory A. Arone and Marja K. Kankaanrinta, 1416 Oxford Road, $243,500.
Rinehart Construction Ltd. to Emma P. Green, 605 Fendall Terrace, $660,000.
Jeffrey T. and Polly R. Stricker to Jonathan G. Rice, 300 13th Street NE, $140,000.
Jean W. Shipp to Thomas H. Connaughton, 1412 Cherry Avenue, $124,900.
Sherri E. Barrow to Stuart T. and Kent A. Smack, 1004 Rugby Road, $325,000.
Frances B. Wirthlin to Christopher N. and Jodie M. Vaughn, 1455 Rutledge Avenue, $155,500.
Phyllis C. and John J. Strittar III to Michael A. and Janet E. Webb, 919 Henry Avenue, $225,000.
Charles D. and Mary E. Kardos to Rosemary S. and William E. Shaw Jr., 111 Altamont Circle, $405,000.
Garth L. and Kelly J. Ottman to Hunter B. Shriner, 813 Altavista Avenue, $147,500.
Oliver Lohr et al., Trustees of Oak Shade United Methodist Church, and Allen F. Ellett, to Thomas P. and Kristen E. Martin, 2113 Tarleton Drive, $196,500.
Stonnell F. and Kathleen L. Bradley to Michael C. and Marlaine M. Hall, 613 Druid Avenue, $90,500.
Robert L. Pace Jr. and Faye Norford-Pace to John W. and Elaine E. Salmon, 1211 Little High Street, $180,000.
Peter E. and Kerry A. Biondo to Guian A. McKee and Joanna R. Vondrasek, 1108 Montrose Avenue, $162,000.
Neighborhood Investments LLC to Keith S. Halford, 182 Blackborn Lane, $122,9000.
William P. and Elizabeth M. Peyton to Gregory S. Okin, 805 Belmont Avenue, $216,000.
Barbara Jean Vest-Stinnie to Double J Development LLC, 599 Dice Street, $68,000.
William D. Tucker III and Yvonne T. Griffin to Victoria L. Scott, 118 A7B Longwood Drive, $148,000.
Gayle S. Lux, Trustee, to Ceclia E. McQuale, 235 MonteVista Avenue, $160,000.
Zachary and Emma Spielman to Gerald P. Shea and Gail H. Raymaker, condominium in Lewis & Clark Square, $235,000.
Robert L. and Sharon R. Green to City of Charlottesville, 138 sq. ft. at the corner of Ridge Street and Hartman's Mill Road, $225.
Neighborhood Investments LLC to Harry N. Lewis and Ralph E. Main Jr., parcel in Jordan Subdivision, $40,000, parcel on Little High Street, $150,000.
Michelle A. Hughes to Jonathan Strohl, 1134 Locust Avenue, $150,000.
Joseph Y. and Margaret H. Gray to Paul S. and Ashley P. Doherty, 908 Martin Street, $200,000.
Debra Gillin to Brian A. and Joan T. Day, 1917 Greenbrier Drive, $195,000.
George B. Bauserman and Linda L. Mitchell to William C. and Frank Dubec, 1205 St. George Avenue, $140,000.
M. R. Builders LLC to Leigh Sullivan, 703 Watson Avenue, $340,000.
Anthony W. and Robin P. Waterfield to Edward L. and Katherine S. Davies, 717 Watson Avenue, $192,000.
Van and Janet M. Johnson to Barbara and Philip E. Brown Jr., 598 Dice Street, $34,000.
Donald E. and Jean V. Taylor to David E. and Anne H. Bear, 656 Evergreen Avenue, $361,000.
Ruby Ahmed to John N. Hunter Jr. and Martha L. Saunders, 707 Cynthianna Avenue, $72,000.
Derek VanDerLinde to Neighborhood Investments LLC, 105 A&B Longwood Avenue, $115,000.
Jonathan S. and Laura H. Einbinder to William A. Knaus, 1929 Lewis Mountain Road, $505,000.
Michael K. Nichols and Reba A. Peck to Clement Tingley and Deborah Lawrence, 525 Grove Avenue, $575,000.
Eugene P. and Rachel K. Pollard to Z. Peter and Margaret Lazar, 702 Gillespie Avenue, $185,000.
Virginia D. Yarboro to Pangean Properties LLC, parcel on St. Charles Avenue, $60,000.
William B. and Lorene B. Downer to Mary John Smith, Trustee, four condominium units in the Venable, $248,000.
William B. and Lorene B. Downer to Mary John Smith, Trustee, one condominium unit in the Venable, $62,000.
Richard P. Garrett to Joseph H. Korber, 1623 Concord Drive, $180,000.
James H. and Edith M. Baber to Xing Jian Wang, 117 Stratford Court, $163,750.
Howard K. and Mildred D. Trail, Trustees, to Musicians United to Serve Youth of Charlottesville, 1108 Forest Street, $390,000.
Harry Lee and Sally F. Marshall to Deborah J Lothman, 106 Holly Court, $270,000.
Ursula A. Goadhouse to Christopher B. Krentz, 917 Elliott Avenue, $142,000.
W. Carter and Gail M. Hoerr to Sherif and Kirsten Nahas, 1508 Rutledge Avenue, $429,000.
Dorothy A. Sturgill to Gaynell S. Lowry, 803 Altavista Avenue, gift.
Howard and Janet E. Evergreen to Jeffrey S. Sprouse, 2322 Fontaine Avenue, $148,000.
Janet Ann Adams to Jody Lynn Kassell, 1400 Glenside Green, RiverRun, $157,500.
William E. and Delma W. Jones to Daniel William and Susan Grace Woodford, 1003 Highlands Drive, $156,000.
Michael B. Coughlin and Pamela Cho to Ronald S. and Sherry B. Cimo, 3784 Skyline Crest Drive, $210,000.
Mary Elizabeth Herring to Anthony and Sonya M. Houchens, 3.14 acres at 3503 Sacre Meadow Lane, $124,019.
Steven C. Veach to Clyde R. and Carol A. Browne, 335 Westfield Road, $156,457.
J. Daniel and Lynda S. Patterson to March Mountain LLC, .39 acres on Jarman's Gap Road, $88,500.
Ralph S. and Hilary L. Richardson to James L. and Anne M. Rucker, 2992 Piedmont Place, $133,500.
Malinda L. Ashburn to Thomas R. and Lisa W. Moore, 1615 Maiden Lane, Hollymead, $175,000.
Dana A. Jones to Gerald L. Schlesinger, Trustee, 15 Spring Court, Four Seasons condominiums, $67,000.
Barry Meade Homes LLC to Eric H. Tachau, 834 Filly Run, Cory Farm, $224,950.
Chris C. and Rosemarie Colasunno to Christopher A. Beverage, condominium unit at 1238 Chatham Ridge, $65,900.
Charles Leroy and Julia F. Jones to Vincent L. and Stephanie J. Jones, 2583 North Garden Lane, North Garden, $125,000.
Kevin J. and Christine P. Martin to Kurt R. and Lisa C. Illig, 1235 Copperstone Drive, Mill Creek, $185,000.
Donna and John V. Ostrowski Sr. to John H. and Michelle M. Goodrich, 2350 Cinnamon Ridge Road, Harmony, $565,000.
Debra D.D. Coyner, Executor, to Deborah D.D. Coyner, Trustee, 48.28 acres in Cismont, $4,950,000.
Cismont Manor Farm Corporation to Debra D.D. Coyner, Trustee, 130.22 acres, $2,800,000.
Robert Hauser Homes Inc. to John F. and Montana K. Gaffney, 1029 Bristlecone Lane, Forest Lakes South, $213,900.
J. Thomas and Sarah J. Parsons to Robert J. and Stephanie A. E. Haschart, 2818 Millington Road, $505,000.
David M. Kahler and Victoria F. Norwood to A. G. Williams Construction Company, lot in Peacock Hill, $41,000.
James and Cathy Crosby to Donna M. Blackmon and Veronika Urben, 6001 Cling Lane, Crozet, $129,000.
Jen Chun and Fay-May Hwang to Sandra Love, 7326 Merion Greene, RiverRun, $116,000.
Bybe LLC to Justin VanDerLinde, condominium unit in Turtle Creek, $82,500.
Bybe LLC to Craig VanDerLinde, condominium unit in Turtle Creek, $82,500.
Bybe LLC to CVDL Inc., condominium unit in Turtle Creek, $82,500.
Woodbriar Associates Limited to Jigar A. and Jesika J. Patel, 4731 Bluejay Way, Briarwood, $185,175.
Gloria Grindheim D'Alessandro, Trustee, to Robert F. Stockhausen Jr., 2.17 acres at 915 Owensville Road, 410,850.
Ivey L. and Claudia G. Cockman to Alfred J. and Patricia A.L. Byrne, 3 North Dogwood Lane, $825,000.
Jacqueline M. Doherty to Jason and Robyn Walker, 5.077 acres at 3213 Doctor's Crossing, $240,000.
Carol W. Buckner to Thomas J. and Julie C. Lanahan, 395 Wildwood Court, $182,300.
Russell H. and Jean Yost to Al and Lil Lester, Trustees, 5032 Clearfields Court, Western Ridge, $245,500.
Tamara Harris Golding to Patricia M. Cobb, 300 Starcrest Road, Mill Creek, $227,900.
Robert W. and Jeanne M. Hicks to Michael C. and Julieanne B. Brown, 2.454 acres, $305,000.
Harvey H. and Penny J. Tapscott to Seth W. and Erin B. Clabough, 1.18 acres at 149 Irish Road, Scottsville, $110,000.
Angelo and Farrell W. Vangeolopoulos to Kelly Cordoro and Hiliary Copp, 225 Larkspur Way, Lake Reynovia, $162,500.
Redfields Development Corporation to R.D. Wade Builder Inc., lot in Redfields, $57,500.
Michael K. and Joseph W. Wright III, Trustees, to Hurt Runkle LLC, 6.65 acres, $650,000.
Charles W. Hurt and Shirley Fisher, Trustees, to Robert B. and Caryol W. Hunter, 22.360 acres in Ivy Vista, $185,000.
Redfields Development Corporation to Wendell W. Gibson Inc., lot in Redfields, $59,500.
Lynwood Page Phillips to Stephen P. and Mary F. Schmitz, 5.44 acres at 1979 Old Lynchburg Road, $175,000.
James W. and Rosamond G. Rogers to William and Hester Kelley, 2674 English Oaks Circle, Forest Lakes South, $239,000.
Joe H. Gieck to Susan and Erik R. Dorf, 21 acres at 2199 Crestview Lane, $170,000.
Earl H. Sipe to Marsha J. and Donald W. Lawhorn Jr., .69 acres at 4816 Doyle River Crossing, Crozet, $65,000.
Mary Ann and Kermit Boschert V to Joshua and Elaine May Attridge, 1750 Winterberry Court, $264,500.
Betty Jean and Clarence W. Clayton Jr. to J. Daniel and Lynda S. Patterson, 5620 Three Notch'd Road, Crozet, $95,000.
John H. and Karen Robinson to Kali D. and Chandra U. Brown, 2.44 acres on Route 502, Schuyler.
Althea M. Anderson to Scott E. Thomas and Kelley Kassay-Thomas, 1936 Arlington Boulevard, $21,000.
Edwin E. and Ruby D. Wade to Eurohomes USA Construction LLC, 37.48 acres on State Route 231, $255,000.
Howard M. and Diane J. Carr to Raymond A. Mirra Jr. and 6/6
Howard M. and Diane J. Carr to Raymond A. Mirra Jr. and Gigi Jordan, 60.75 acres on State Route 710, "4 Reasons," $1,800,000.
Lorraine J. Grehawick to David J. Oppelt, parcel in Lake Hills subdivision, $276,500.
Richard J. and Deanna H. Robertson to Audra M. and George Jackson III, 2373 North Chesterfield Court, $245,000.
Sam Enterprises LLC to James B. Spence, III, Trustee, parcel in Cory Farm, $50,000.
Claude F. Lowe to Lawrence W. Barnett, 2.387 acres on Dennis Road, $23,000.
Sean M. and Danielle M. Harris to Charles and Jia Lin, 171 Buttercup Lane, Lake Reynovia, $158,000.
Holly W. and Edward P. Allen, Jr. to Kevin J. and Christine P. Martin, 2476 Thrush Road, Whipporwhill Hollow, $281,000.
R. D. Wade Builder Inc. to Elaine N. Ellwood, 3558 Glasgow Lane, Glenmore, $672,960.
Marlene L. Clay and David W. Rogers Jr. to Abhinav and Sandhya Chabra, 3417 Cesford Grange, Glenmore, $381,875.
Deal(s) of the Week:
Robert L. and Sharon R. Green to City of Charlottesville, 138 sq. ft. at the corner of Ridge Street and Hartman's Mill Road, $225.


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Named Best Dinner Theatre by Gold Coast magazine and The New Times, and a recipient of the 2013 Certificate of Excellence Award from TripAdvisor, Laffing Matterz returns to the Broward Center for another hilarious season. Enjoy a delicious meal that surpasses any dinner theater fare you've tasted before, and a performance of original satirical songs and creative skits. Laffing Matterz' With A Vengeance plucks topics from the today's headlines and lampoons everything from celebrity misfortune and pop culture to the latest political scandals.
Subscribe below to our monthly eNewsletters to discover new and exciting things happening right here in the Riverwalk Arts & Entertainment District.
The Riverwalk Arts & Entertainment Consortium is supported by the Broward County Board of County Commissioners as recommended by the Broward Cultural Council and the Greater Fort Lauderdale Convention and Visitors Bureau. For additional cultural events happening throughout Broward County please visit ArtsCalendar.com Copyright 2020 ® Riverwalk a&e. All Rights Reserved.
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Listings in Fine Dining, Barber Shop, Automotive and Gluten-Free
Landry's Seafood
in Steak, Seafood/Fish, Gluten-Free, Fine Dining
Landry's Seafood has brought the great taste of the Gulf Coast to one of the nation's premier entertainment destinations.
2900 W 76 Country Blvd
Branson 65616
Level 2 Steakhouse
in Steak, Seafood/Fish, Fine Dining, American
Located at the Hilton Branson Convention Center Hotel. Level 2 Steakhouse is the prime location in Branson for outstanding steaks.
200 East Main Street
Branson 65616
Fat Donny's Barber Shop
in Barber Shop
Fat Donny's Barber shop, an old school barber shop with a new school feel.
206 E Long Street
Branson 65616
Dobyn's Dining Room
in Fine Dining
"Dobyn's Dining Room" at College of the Ozarks brings you fine dining in Branson with a difference...every aspect of your dining experience involves students!
1 Opportunity Avenue
Point Lookout 65726
Devil's Pool Restaurant
in Fine Dining, Barbecue, American
"Devil's Pool Restaurant," located at one of the Branson area's most beautiful resorts, Big Cedar Lodge, combines casual dining with rustic elegance and southern, homestyle fare.
612 Devil's Pool Road
Ridgedale 65739
Panera Bread
in Bakery, American, Gluten-Free, Fast Food/Fast Casual, Soups/Salads
"Panera Bread" in Branson, where you can always count on sensational bread, baked fresh daily from fresh dough.
2407 Green Mountain Drive
Branson 65616
Pie Five Pizza
in Vegetarian/Vegan, Soups/Salads, Pizza, Gluten-Free
Handcrafted personal pizzas ready in about five minutes
482 Branson Landing Blvd #103
Branson 65616
Kaffee Haus at Branson's Center Stage
in Gluten-Free, Dessert, Coffee House/Tea Room/Donut Shop, Bakery
Enjoy handcrafted coffee, teas, lemonade, and also entice your taste buds with a little something sweet!
1810 W 76 Country Blvd
Branson 65616
Randy's Mobile RV Repair
174 Old Southern Road
Branson 65616
Branson Motor Coach Specialists
2652 Shepherd of the HIlls Exp
Branson 65616


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When you need a 2004 model use forklift in Brisbane, call us at Eureka Forklifts. Our team of experts will have something perfect. Call 07 3865 1205
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F3477: TOYOTA 7FB18 – 1.8 TON ELECTRIC – CONTAINER MASTTOYOTA 7FB18 CONTAINER MAST FORKLIFT.LOW HOURS ONLY 8...$10,500.00 Excl. GST
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- Forklift SalesSometimes, buying brand new equipment isn't the ideal investment for a business. To start with, there's the higher purchase cost for new against second hand/quality used, tying up more capital and the fact that the vehicle depreciates as soon as you purchase it. Then, there are the insurance costs, which are higher with a brand new model, higher purchase cost, hence higher replacement cost for the insurance company. Second hand machinery makes sense in a lot of ways; after all, if it's in good working order, will last for several years to come, and it gets the job done, what more do you really need? Extensive Range Are you looking to buy a used forklift at a great value for money? Then you've come to the right page! We're proud to offer businesses a range of good quality second hand models that are perfect for a wide range of applications. If you're not sure what you need for your operations, feel free to give us a call and we'll help you identify one that's suitable. With our depot located in North East Brisbane suburb of Geebung, we list an extensive range of quality, second-hand used forklifts in Brisbane, from leading…
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Glaus exits game again
On Thursday, Jays slugger Troy Glaus was pulled from the game in the third inning, when John McDonald took over at third base. Toronto said that Glaus left the game for precautionary reasons related to soreness in his left heel and he was listed as day-to-day.
It's the second time in a week that Glaus has left a game with the same issue. He also left Saturday's contest against Tampa Bay with pain in his left heel. Toronto manager John Gibbons said Monday that Glaus was playing with a bone spur in his left foot — something the infielder dealt with off and on last year as well.
It's not clear how exactly Toronto is going to deal with the situation, but it doesn't seem good to have Glaus coming and going in games this often this early. One problem is the Jays don't have a legit backup for third base.
Then again, playing through pain is nothing new for the 6-foot-5 Glaus. He played through leg problems last year and led the Jays with 38 homers. In '05, he had a strained tendon behind his left knee and still appeared in around 150 games. Still, we'll see how the current issue continues to play out.
5 Comments
It would be nice if we had the money to keep Eric Hinske for situations like this, but now we have to fill in for Troy with Smith or McDonald. I think in Reed Johnson's absence, I would have Hill batting leadoff, with Overbay/Rios in the 2/5 holes, depending.
With all respect to Matt Stairs, it looks as if he's a bit slow for patrolling the outfield, and there is a good case for promoting Adam Lind and just making sure he gets enough playing time and at bats to develop well.
Hill, Johnson, and Rios should be at the top of the order every game. Depending on who is hitting the ball well at the time.
I really dont understand the logic of having Overbay bat second when we have players who can hit the ball just as well, with better speed. You need guys who can score from first on a solid double, and the Jays have had trouble doing that already.
Hopefully the injury to Glaus isnt serious, its going to be tough to replace his numbers with a Smith/McDonald platoon
Overbay is at the top of the order because of his .372 OBP last year. Also, it separates the left-side bats. The only other way to do that would be to hit Zaun 9th, and during spring training it looked like that would be silly. Of course, right now Hill/Clayton would be a good 1/2, considering that Clayton's hitting .500 vs. righties. Ah, the wonders of small sample size.
It's true that Rios has more speed then Overbay, and he was considered for the #2 slot. He also can't use his speed to great advantage if Glaus or Thomas are on base ahead of him. The reason Overbay is batting second is because, with Johnson on first, and the first baseman holding him on, there is a huge hole on the right side for a left hand bat to pull the ball through. I think over the season we will see Rios and Overbay switch positions, depending on who is pitching.
UPDATE ON GLAUS: On Friday, the team still said Glaus was day to day. They'll wait a few days to see how he feels before deciding if he should go on the DL.


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Thanks Danielle! I fixed it and gave you some extra DC.
You are hereForums › Site Meta › Community Support › Help Me Find Grouped Templates, Earn Bonus DC
Help Me Find Grouped Templates, Earn Bonus DC
Hi Marisa,
I downloaded a paper template that opens just as a jpg. image so I cannot open the layers to colour the different rows of stars which is what I wanted to do.
(Stars 15b Paper template) Also
psd zip file (half inch diagonal gingham paper template) opens just as a flattened image, no layers, also
psd zip file (half inch gingham paper template) opens as a flattened image, again no layers.
Thanks Linda! I've fixed those and sent you some extra download credits.
I'm not sure if this counts but layout 128 is a collage of 9 photos but all the photos are in one layer so I would only be able to clip one photo broken into 9 pieces, instead of 9 separate photos. It doesn't have the little icon, though, it just looks like it's a flattened layer.
@Lady: Thanks for pointing that out. When I made the layer, I just resized my photos to fit in the spaces, but I've gone ahead and separated the layers to make it easier.
Yay, thanks! I would never be able to resize them quite so nicely as clipping them.
Hi Marisa,
I'm not sure if this one applies, but within the PSD file for medium-ribbon-polka-dots-01 #4066, I find that the polka dot layer can be viewed only but not change the color of the dots. Only the background color and texture layers can be changed. Thanks!
@Cathy: That's strange. Are you using Photoshop, or something else?
I know it's weird, but that layer is locked when I try to make a color change. All it wants to do is recolor or texturize the background but not the dots. I don't understand it, unless there's something I'm not seeing that should be obvious. I'm using Photoshop Elements 11. Any ideas would be most helpful.
@Cathy: I sent you an email with a modified ribbon to see if that works.
Definitely. Thank you, Marisa. I really like this one and was unsure if it was going to work for the ideas I had in mind. I appreciate the revised version and look forward to using it now! Have a blessed day
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A furious Chris McDaniel refused to concede the Republican nomination for U.S. Senate to incumbent Sen. Thad Cochran on Tuesday night, casting a pall of illegitimacy on Cochran's win in a heated runoff battle.
In an approximately nine-minute long speech after multiple news outlets had handed victory to Cochran, McDaniel accused his intra-party opponents of "abandoning the conservative movement" to win — without ever mentioning Cochran by name.
"There's something strange about a Republican primary that's decided by liberal Democrats," McDaniel said, after he was introduced by a supporter as "the Republican nominee" for Senate.
"It's our job to make sure the sanctity of the vote is upheld."
The possible next steps for the McDaniel campaign are unclear, but spokesman for McDaniel said to "stay tuned."
McDaniel said in his speech there were "dozens of irregularities" reported at polls.
"You've heard the stories," he said, when supporters began shouting, "Tell us!"
The final three weeks of the nasty campaign the race featured a back-and-forth, racially charged battle over the state's voting laws.
Cochran had sought to save his Senate seat by expanding the electorate, particularly by turning out non-traditional GOP primary voters including black Democrats. Mailers supporting Cochran accused the Tea Party of trying to suppress the black vote on Tuesday by, among other things, sending so-called poll watchers to election spots.
"Before this race ends, we have to be certain that the Republican primary was won by Republican voters," McDaniel said.
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- Brett Favre Endorses In Mississippi Senate Race


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With nearly 1,000 years of shocking stories and gruesome tales contained within its ancient stone walls, the Tower of London offers a fascinating insight into London's rich and complex heritage.
Over the course of its existence, this world-famous castle has served as a royal palace, prison, execution chamber, armoury, and even a zoo. Today, the Tower of London is a dedicated UNESCO World Heritage Site and one of the city's premier attractions.
This product is sold by VisitBritain and is provided by our supplier, Historic Royal Palaces.
Founded in 1066 by William the Conqueror, the Tower of London is one of the world's most famous fortresses and an imposing landmark on the banks of the River Thames.
For nearly 1,000 years, this infamous castle has been the setting for stories of royalty and tragedy, and its centuries-old myths and traditions still live on today.
The Tower of London welcomes visitors all year round, so book your ticket in advance and immerse yourself in London's rich history.
Marvel at the Crown Jewels, which have been stored and displayed in the Tower of London since the 1600s. This remarkable collection contains some of the world's most exceptional diamonds, along with the finest treasures of the British Monarchy.
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Learn about the myths, legends, and surprising events that took place at the Bloody Tower – one of the most infamous prisons on the castle grounds.
Explore the area that once housed the Royal Menagerie – a collection of hundreds of exotic animals. From lions to elephants, alligators and kangaroos, you'll be shocked to learn just how many species were kept within the Tower of London.
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Disabled tickets
There are discounted tickets for disabled visitors. One carer can accompany a disabled visitor for free. You will need to collect the free carer ticket from the ticket booth at the Tower of London on the day of your visit. Disabled ticket holders must be able to prove their disability.
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Once you have purchased this product you will recieve an E-Voucher, print this off and take it to the GROUPS WINDOW on Tower Hill outside the Tower of London. Here you will be able to exchange this voucher for your ticket(s).
Tower of London, London, EC3N 4AB.
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e-Golf SE 85KW 115HP Electric Pacific Blue FRESH TRADE-IN 40K COMPLETED, Heated Seats, Rear-View Back-Up Camera, Power Windows & Locks w/Remote Keyless Entry, Power Reclining Seats, Alloy Wheels, 8 Speakers, ABS brakes, CD player, Compass, Front dual zone A/C, Fully automatic headlights, Illuminated entry, MP3 decoder, Outside temperature display, Radio: Composition Media w/6.5" Touchscreen, Rear window defroster, Rear window wiper, Split folding rear seat, Telescoping steering wheel, Tilt steering wheel, Variably intermittent wipers. CARFAX One-Owner. Clean CARFAX. Priced below KBB Fair Purchase Price! 126/105 City/Highway MPG
Buy with confidence at Eich Motor Company. A Locally Owned dealership serving Central Minnesota since 1898. We keep your driving needs and budget in mind by providing a large inventory of New, Used, and Certified Pre-Owned vehicles. We offer upfront competitive pricing whether you are buying or leasing. Eich Motor Company – Love the experience!
New vehicle pricing includes all offers and incentives. Tax, Title and Tags not included in vehicle prices shown and must be paid by the purchaser. While great effort is made to ensure the accuracy of the information on this site, errors do occur so please verify information with a customer service rep. This is easily done by calling us at 320-251-1737 or by visiting us at the dealership.
**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term, 5.9% interest and 20% downpayment.
*Number of views in last 30 days
† Based on 2016 EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary depending on how you drive and maintain your vehicle.


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All the horsepower in the world won't help your car go fast unless it can be efficiently transmitted to the ground. With the rapid advancement in today's tire technology, it's no wonder that more needs to be done to keep the tires from spinning on their rims.
Screws have been used effectively to help prevent tires from rotating on the rim for years. Installing rim screws only takes a few minutes, but must be done properly to avoid potential disaster and ruining a perfectly good set of wheels. But don't run down to the corner hardware store and pick up a handful of sheet metal screws just yet. The first step to properly installing rim screws is getting the right screw for the job.
We like to use rim screws from Moroso because they come plated to resist corrosion and are stronger than an ordinary hardware store screw of the same size. Moroso's rim screw kit comes with 32 screws and installation instructions. What the instructions don't tell you is how to evenly space the screws around the wheels, but we've figured out a slick method to ensure good looks and positively secured tires. Our method does not involve complicated math equations and can be done with only a tape measure, masking tape (2-inch wide is best), a marking pen, a 3/8-inch ratchet and socket, a file, and a drill with a 13/64th bit.
After you're done drilling for rim screws, take your wheels, tires, and rim screws down to a tire shop and have them professionally mounted. Install the screws after the tire beads have been seated using no more than 40-psi air and then balance the tires. The screws will naturally hold themselves in place, but it's a good idea to periodically check them to be sure that they're tight. If one falls out, replace it as soon as possible, otherwise it'll mess up your wheel/tire balance. Rim screws are a reusable, maintenance-free traction adder that will help you hook off the line and get down the 1/4-mile safely. We installed a set of screws into a pair of 15x10 Center Line "Warrior" wheels which will see abuse hooking up a super-heavy 9-second Chevelle.
Carefully remove the masking tape and stick it down either on the ground or on a big workbench. Measure the distance between both marks (if it's a 15-inch wheel, it should measure around 51 1/4-inches as shown). Divide your measurement by eight, which is the number of screws you'll be installing per side. This worked out to 6.40625 (6 13/32) in our case, which we rounded down to 6 3/8-inches.


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odybuilding.com Brand Dietary Supplements - Sold on Internet
Audience: Consumers
Bodybuilding.com and FDA notified healthcare professionals and patients of a nationwide and international recall of all lots and expiration dates of 65 dietary supplement products that were sold through the Company's website, www.bodybuilding.com.
FDA believes that the recalled products contain the following ingredients that are currently classified, or the FDA believes should be classified, as steroids: "Superdrol," "Madol," "Tren," "Androstenedione," and/or "Turinabol." Acute liver injury is known to be a possible harmful effect of using steroid-containing products. In addition, steroids may cause other serious long-term adverse health consequences in men, women, and children. These include shrinkage of the testes and male infertility, masculinization of women, breast enlargement in males, short stature in children, a higher predilection to misuse other drugs and alcohol, adverse effects on blood lipid levels, and increased risk of heart attack, stroke, and death.
Customers who have any of the products in their possession should stop using them immediately and contact their physician if they have experienced any problems that may be related to taking one or more of the ingredients listed above. Any adverse events that may be related to use should be reported to the FDA's MedWatch Safety Information and Adverse Event Reporting Program online [at www.fda.gov/MedWatch/report.htm], by phone 1-800-332-1088, or by returning the postage-paid FDA form 3500 [which may be downloaded from the MedWatch "Download Forms" page] by mail [to address on the pre-addressed form] or fax [1-800-FDA-0178].
Read the complete MedWatch 2009 Safety summary, including a link to the firm press release, at:
持有任何此類藥品的消費者應該立即停止使用,且如有因服用上述成分而發生任何相關不適之問題,應與醫師聯繫。任何與使用這些藥品相關的不良反應事件可以電話、傳真或線上通報(網址為www.fda.gov/MedWatch/report.htm)至FDA's MedWatch Safety Information和Adverse Event Reporting Program,也可下載FDA不良反應通報表回郵寄回。


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Mission StatementAMLE's mission is to contribute to management learning and education by publishing theory, empirical research, reviews, critiques, and resources that address the processes of management teaching and the learning that results from it. Additionally, AMLE publishes work that addresses important issues in the institutional environment and administration of business schools and their stakeholders. The journal's emphasis is on the study of management learning and education in all types of settings—schools and universities as well as businesses and public and non-profit organizations.
AMLE is quarterly in March, June, September, and December.
>> Learn More
Current IssueVolume 18, Issue 4, December 2019Past Issues Historical archives starting from Volume 1, Issue 1In-Press Peer-reviewed, accepted articles published online prior to copyeditingVirtual Themed CollectionsArticles which collectively illustrate the breadth of domains related to curriculum content and deliverySearch Articles
AOM members have access to all publications at no extra charge. For information on becoming a member, click here
Subscription rates can be found here. Subscription orders should be directed to:Academy of ManagementSubscription OfficeP.O. Box 361Birmingham, AL 35201-0361Toll-Free Number: 1-(800)-633-4931Telephone: (205)-995-1567 (Outside the U.S. and Canada)E-Mail: email@example.com
Please contact the subscription office for the following:
AMLE author resources includes articles and editorials on making a contribution, publishing laboratory or qualitative research in the journal, the review process, and journal trends. Dozens of articles and examples may be found here.
Information for Contributors as well as detailed instructions on Submitting a Manuscript is also available.
Reviewer resources offer guidelines for reviewers, sample reviews written by editors, extended guidelines, and instructions on how to submit your review to the journal. These resources may be found here.


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Digital First Media Chauncey Billups is a Detroit Piston once more.
Nearly 10 years after leading Detroit to the 2004 NBA championship, Billups agreed to a two-year with the Pistons.
Yahoo! Sports first reported the deal and is reporting the deal will be worth $5 million-plus.
Billups averaged 8.4 points, 2.2 assists and 1.5 rebounds in 22 games for the Clippers last season.
Many speculated Billups career might be over after he tore his Achilles' in February of 2012, but he was able to return last season.
Billups will likely come off the bench, playing both point and shooting guard. The five-time All-Star will also provide leadership for a young Pistons squad.
Billups played six seasons with the Pistons from 2002-2009, leading them to six straight Eastern Conference finals and the NBA championship in 2004. He was named NBA Finals MVP in 2004.
He was traded two games into the 2008-09 season to his hometown Denver Nuggets in exchange for Allen Iverson.
Billups would help lead the Nuggets to the Western Conference finals in 2009, while the Pistons struggled to make the playoffs before falling in the first round.
Detroit has missed the playoffs every year since.
Billups was traded to New York during the 2010-11 season before being amnestied after the 2011 lockout.
He was picked up by the Clippers, but played just 42 games in two seasons due to the Achillies' injury.
Billups is the second member of the 2004 championship team to return late in his career. Ben Wallace returned in 2009 and played three seasons in Detroit before retiring following the 2011-12 season.
Rasheed Wallace, another member of the 2004 team, will be an assistant coach for the Pistons this season.


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This clever notebook is a collection of pictures of walls and doors, designed with the express purpose of being written or drawn on. It makes a perfect gift for kids of all ages (with accompanying markers, depending on the child's age), as well as for grownups. Sometimes a little backdrop—versus a daunting blank white canvas—is just what one needs to get inspired.
We saw it at our friend Hillary's toy store, The Big Eddy Toy Co, where you can order it by phone from (845) 798-7650 . You can also get it from Amazon.


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Any place, be it residential or commercial requires furniture. The furniture for any particular space is chosen keeping in mind the requirements and the purpose it is supposed to serve as well as the quality of the furniture. However, another important criterion which affects the choice of furniture at the time of purchase is the design. Just as people work to improve their impression on others by grooming themselves and looking presentable. In the same manner, the beauty of a place is enhanced by the furniture used there.
Stockroom is a company that provides furniture that is designed by seeking inspiration from modern classics and contemporary designs. The pieces that serve as inspirations are popular works of art that have been recognized and accredited for being crafted and designed to perfection. Stockroom pays added attention to the material used in the making of the originals that inspire their furniture line so that its beauty may be preserved. This is done so that the customer gets the best products at the most reasonable prices.
Stockroom is a furniture outlet in Hong Kong. The products and services offered by the company has been inspired by Jojoba L and Roy M. The company deals directly with manufacturers and suppliers of raw materials so that the quality of the product remains high. The quality of raw materials and the manufacturing process is checked constantly to ensure that it meets the quality standards set by the company for all its products.
The company offers Solid Wood Office Tables. The company caters to the demand for furniture for residential, official and recreational purposes. Its wide range of office tables include warren planter style glass table, Eero sarrinen tulip table, stockroom solid oak wood console table, Escaso solid oak wood table, azure slim rustic recycled solid elm wood table, Jean Prouve Gueridon style round table, Jacob solid oak wood console table, etc.
Stockroom also caters to the demand of table lamps. These are also available in a variety of unique designs to suit the varied tastes and preferences of the customers. The range of products include tripod wooden base table lamp, gras style table lamp, industrial chrome jointed table lamp, green bamboo table lamp, Sebastian style wrong spun table lamp, ice style table lamp, tronconi style easy mechanic table lamp, etc.
The details and descriptions of all the products sold by the company are available on the company's official website. Customers can also contact the company's representatives in case of any doubts.
About Stockroom:
Stockroom is a company based in Hong Kong that offers a wide range of furniture for various purposes to its customers through its online portal. To know more please visit their official website.
Media Contact
Company Name: STOCKROOM
Contact Person: Jojoba
Email: email@example.com
Phone: +852 2817 0999
Country: HongKong
Website: http://www.stockroom.com.hk/


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We do not offer a guarantee on the products themselves since improper use can break a product very quickly. That's why you should read the instructions carefully before using your product. Should you find damage or problems with your purchase, please contact us within 24 hours for immediate action.
If an agreement has been reached for you to return any damaged or malfunctioning goods, You, Yourself are required to bear all shipping fees for all shipments incurred by any returns to RedWolf Airsoft.
Please note that we do not recognize technicians outside of our in-house staff, so items that have taken to 3rd party Airsoft technicians, or you yourself to disassemble or repair will not be covered by RedWolf Airsoft.
We cannot offer warranty periods beyond that since we cannot control how the gun or accessories are used.
Any problem reports made after 24 hours will not be honored by RedWolf Airsoft.


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Walking in the Black Forest, exploring Lake Constance, unwinding in Baden-Baden and soaking up the history in Heidelberg. There are many good reasons to travel to Baden-Württemberg – the region of Germany with the most star-rated restaurants and the most hours of sunshine. Welcome to southwest Germany!
Choosing the perfect place to dine is an important decision. Balmy summer evenings in palatial surroundings, a terrace table overlooking the vineyards or simply a pleasant view can enhance your enjoyment of the finer things in life. Sip a pinot gris in the Kaiserstuhl hills, order a freshly caught whitefish in a country inn by Lake Constance or dine at a gourmet restaurant in the valleys of the Black Forest. Throughout southwest Germany, you'll find a perfect fusion of great food, regional character, natural beauty and countryside charm.
You'll need every one of your senses for a holiday here. Fill your nose with the scent of flowers as you stroll around Mainau Island. Cycle along the shores of Lake Constance and gaze across the water to the Swiss Alps. Listen to the sound of birdsong on a walk through the Black Forest, and feel the dampness of the air in the caves of the Swabian Alb.
It was the Romans who first fell in love with Baden-Baden
Enjoying the great outdoors can be as beneficial for your well-being as good food, a mud bath or a massage. In the spa resorts, thermal baths and wellness hotels you can switch off, unwind and draw on the healing powers of nature. It was the Romans who first discovered the hot springs in Baden-Baden. Famous intellectuals followed in later centuries. From Friedrich Schiller to Hermann Hesse, many poets and philosophers have left their mark in this region. Going in search of their legacy takes you to big cities characterised by modern architecture and pretty little medieval villages. Castles, palaces and gardens tell of days long past, as do a host of museums – including those of Daimler and Porsche in Stuttgart. Baden-Württemberg is the birthplace of the motor car. And the home of many other icons whose fame has since spread around the world. The cuckoo clock, for example, Hugo Boss suits and Black Forest ham. From Heidelberg to Lake Constance, from Karlsruhe to Ulm, you can buy these things, learn about them in a museum, or enjoy them on your plate. Welcome to southwest Germany!
© Tourismus Marketing GmbH Baden-Württemberg (TMBW)


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Posts Tagged 'Union Pacific Railroad Museum'
On General Grenville M. Dodge
One of my readers is researching General Grenville M. Dodge and asked for information. I, of course, turned promptly to my buddy Peter A. Hansen who knows more about rail history than anyone I know. Pete writes for most of the major rail history magazines, consults with museums and rail companies, speaks regularly on rail history, and is currently editor of Railroad History, the scholarly journal of the Railway and Locomotive Historical Society. Pete has also been an on-camera source for CBS News and NBC News. More about Pete here.
Fun Fact: It's an indisputable fact that Railroad History is the oldest (and still the most scholarly) rail history journal, but it is also believed to be the oldest industrial heritage journal of any kind in the U.S.
The information below is all Pete's.
"You've seen Dodge many times, though you may not have known it. He appears at the center of what's arguably the most famous photograph in American history (below). Two men on the ground are shaking hands; Dodge is the one on the right.
Dodge was born in Danvers, Mass. in 1831, and educated at New Hampshire's Durham Academy and Vermont's Norwich University. Upon receiving his engineering degree, he did what many ambitious young engineers did in the 1850s: He went to work for a railroad. He started with the Illinois Central, and later went to the Chicago & Rock Island and the Mississippi & Missouri. It was during his service to the latter two roads that he met Thomas C. Durant, who would later become the driving force behind the Union Pacific, the eastern half of the nation's first transcontinental railroad.
Dodge's relationship with Lincoln stemmed from a chance 1859 encounter on the front porch of the Pacific House hotel in Council Bluffs, Iowa. Lincoln was in town to inspect some real estate that had been offered as collateral for a loan requested by a friend, and he was also due to make a speech there. (He wasn't yet an officially-declared candidate for the Republican presidential nomination, but he was at least considering it.) Dodge had just returned from a surveying expedition in Nebraska's Platte Valley, seeking a route for an eventual Pacific railroad. Lincoln, a frontiersman by birth, was intensely interested in the subject of internal improvements, and particularly in a line to California. During their two-hour meeting, Lincoln did most of the listening, and Dodge, the talking. "By his kindly ways," Dodge would recall, "[he] soon drew from me all I knew of the country west, and the results of my reconnoisances. [sic] As the saying is, he completely 'shelled my woods,' getting all the secrets that were later to go to my employers."
A few years later, when President Lincoln needed impartial advice on the Pacific Railroad, the greatest non-military undertaking of his administration (or indeed, in all of American history, up to that point), he turned to Dodge. Apart from his unquestioned abilities, it may have been Dodge's relationship with Lincoln that made him a favorite of Sherman and Grant.
Dodge began the war inauspiciously enough, as colonel of the Fourth Iowa infantry regiment. He was to make his mark at Pea Ridge in early 1862, where he sustained multiple minor wounds and had three horses shot from under him. He was promoted to brigadier general in April of that year, and was commanded to rebuild the Mobile & Ohio Railroad between Corinth, Miss., and Columbus, Ky. Despite continual harassment by Nathan Bedford Forrest, he got the job done by October.
His performance did not go unnoticed. Grant's chief of staff, John Rawlins, sent for him that month, and he was given a divisional command with the Army of Tennessee. He became something of a spymaster during the Vicksburg campaign, where he also covered Grant's left during the final stages.
It's also worth noting that Lincoln sent for Dodge during the Vicksburg siege, seeking his advice on several matters related to the Pacific Railroad Act. In particular, the Act had authorized the president to name the eastern terminus of the line, and Lincoln wanted to hear more about Council Bluffs. Also, certain provisions of the 1862 Act had scared private investors away from the project: Lincoln sought Dodge's advice on how to redress them, but ultimately rejected Dodge's advice on the finance question. Dodge thought the government should simply build the railroad itself; Lincoln favored a revised Pacific Railroad Act in which government bonds would take second position to private issues – a reversal from the original Act. Lincoln's view prevailed in Congress, and a second Pacific Railroad Act was passed in 1864. Lincoln did follow Dodge's advice about Council Bluffs, however, and to this day, the city is Milepost 0 on the Union Pacific's line west from the Missouri River.
Dodge went on leave after Vicksburg, and Durant lobbied him vigorously to resign his commission and return to railroading. Durant saw an opportunity in the young engineer for unparalleled Washington influence, and offered him the generous salary of $5,000. Nonetheless, Dodge remained in uniform for the rest of the war, though he would never again attain the distinction of the early campaigns. He served under Sherman during the siege of Atlanta, where a bullet fractured his skull, after which he was effectively out of the war.
Incidentally, Dodge's papers can be found at the Iowa State Department of History and Archives in Des Moines. Do take his writings with a grain of salt: Dodge was not above embellishing his record. His home in Council Bluffs is now a museum, and it's well worth a visit. While you're in town, you might also check out the Union Pacific Railroad Museum, which tells the story of the first transcontinental railroad, and of Dodge's role in it.
Two additional footnotes:
- One of the perks of being a railroad construction engineer, especially in virgin territory, was the ability to name places. Thus, the highest point on the first transcontinental line was at Sherman, Wyo., 8013 feet above sea level. Some 120 miles west, another Wyoming town bears the name of Rawlins.
- Some of Dodge's history with Lincoln is recounted in my February 2009 Trains magazine feature, 'The Rail Splitter and the Railroads.'"
Many thanks to Pete for the information above!
For more on Grenville Dodge, I recommend:
- Iowa Public Televisions Series on Dodge here.
- Dodge's book, How we built the Union Pacific railway: and other railway papers and addresses thanks to Google Books.


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For retirement planners, two of the most common concerns among clients involve annuities and Social Security. Our partner site LifeHealthPro recently spoke with three top producers about how they handle both topics. Here's their advice.
Q. Consumers continue to hear and read strong criticism of annuities, often criticism centered on their complexity. How do you combat that criticism in your own retirement planning discussions?
Curtis V. Cloke, CLTC, LUTCF, financial advisor and retirement income expert, trainer and speaker: I often espouse a strategy that follows what I call a "divide and conquer" approach. This involves separating the retirement income a client requires into two sub-categories: (1) an inflation-adjusted income floor and (2) everything else. The inflation-adjusted income floor is the money a client needs to cover expenses in retirement to live the lifestyle he or she wants. The "everything else" category covers assets that are left over to achieve legacy, growth and liquidity goals.
What I find is clients are more willing to allow a higher level of risk for assets that are intended to achieve goals that fall under the "everything else" category more than for those that will fund the income floor. Once they have come to that inevitable conclusion, I begin educating them about annuities.
I talk to them about how an annuity, being an insurance product, is a guaranteed source of income that is not subject to the caprice of the markets, an especially important benefit for those people who do not have pension plans. I explain how mortality credits add an extra source of investment return — Retirement Alpha — over what can be realized from traditional investments of comparable risk. I also explain that certain single premium immediate annuity — SPIA — and deferred income annuity — DIA — contracts come with optional riders that can provide valuable benefits, such as inflation protection. It all has to do with framing the problem and its solution correctly and clearly.
Randy L. Scritchfield, CFP, LUTCF, president of Montgomery Financial Group in Damascus, Md.: Something that will always provide job security for us advisors is the inherent complexity of products. The ability to translate complex products into simple — but still complete and accurate — terms will ensure that such an advisor will flourish. The sayings that we learned early in the business still apply: "People want to know what time it is; they do not want to know how the watch works."
Of course, our new disclosure requirements and forms facilitate our explaining the products fully to clients, but we must still convey what it does for them, and that is provide a lifetime income.
I also tell clients, "When you were young, you needed life insurance in case you died too soon. Now, as part of retirement planning, an annuity — with living benefits — is what you need to insure against your living too long." Paul S. Carpenter, CPA, CFP. Carpenter Financial Services: Knowledge is always the foremost way of overcoming ignorance. I educate my clients to better understand the differences between sequence of returns and a simple average rate of return. Nobody can accurately predict the sequence of returns of any given portfolio, other than a fixed account. Negative returns in the early years of the spending phase of a portfolio will sink an income plan beyond the point of recovery. An example goes a long way in helping clients understand this concept. Longevity is also an unknowable variable. An annuity solves this by promising lifetime cash flow of a certain amount, regardless of the sequence of returns experienced. This is a rather simple concept to understand, because it is similar to a defined benefit pension.
Usually, it is not complexity but cost that is a pressure point for an annuity. To me, this is a value proposition; all economics involve costs. When the cost is worth the value, I believe you have a fair trade. Annuities are never the entire solution. In a world where the defined benefit plan has gone the way of the leisure suit, I do not think you can ignore the fact that there is a need for a steady dependable core of predictable cash flow.
The underlying mechanics of an annuity can be complex, but you don't have to know the physics of an internal combustion engine to safely drive a car, just the rules of the road and how to operate the vehicle. I think the average person can understand the rules of the road on what to expect from a particular annuity. I absolutely believe in full disclosure of costs, surrender tables, and limits to how cash will ultimately be disbursed. A client needs to know how to read the dashboard of their annuity — the quarterly and annual statements. I explain each of the gauges and what reading it shows — cash value, surrender value, benefit base, anniversary date, etc. We provide drivers ed and some refresher courses — periodic account reviews — along the way, so clients can safely navigate their annuity through retirement without crashing.
Q. Some advisors these days have begun to integrate Social Security planning into their retirement planning discussions. How do you handle the whole issue of Social Security benefits in your retirement planning discussions, and do you use specific tools to assist in that regard?
Scritchfield: I never tell clients that Social Security will not be there, per se, but rather, I tell them to minimize it for planning purposes. It has been interesting that, in recent years, the Social Security payment has been a pleasant surprise to many of my clients, as they were not counting on it and were otherwise adequately prepared.
Carpenter: We absolutely consider Social Security in our retirement plans. At my practice, we point out to clients that there is now a trust fund disclosure made by the Social Security Administration stating 100 percent funding only extends through 2034 or so. We believe some changes will occur before then, but we cannot ignore Social Security entirely, so we attempt to give it the proper weight and place in our plans.
Most boomers are convinced they need to begin Social Security income at age 62. We attempt to educate clients on the pros and cons of such an arbitrary decision, using Social Security calculators available from various sources as well as information available from SSA directly. We ask clients to bring any recent Social Security statements showing estimated benefits at full retirement age and early retirement age. We also have clients inquire about possible benefits available from former spouses to integrate those figures into our plans. There can be a lot of dynamics at play when trying to optimize Social Security benefits.
Cloke: I consider Social Security optimization to be of pivotal importance in my retirement planning solutions. The extra dollars you can squeeze out of those monthly checks by delaying benefits can mean a big difference in the lifestyle you can afford in your retirement years. For example, at age 62, a client can receive a maximum monthly benefit of $1,855. If he or she were to delay receiving those benefits until age 70, that maximum monthly benefit would be $3,266!
There are other valuable strategies to look into as well, such as filing and suspending, cashing in on spousal benefits, or taking advantage of certain divorce-related rules in statutes.
A full retirement income plan, however, needs to address shortfalls that can result from a Social Security optimization strategy. Clients will need to know how to bridge the income gap in between years they are eligible for Social Security and wish to receive benefits, or in between the years they receive reduced spousal benefits until they begin full benefits. A good advisor is going to address these questions with a holistic retirement plan.
I use a combination of online Social Security optimization software and specialized in-house analysis to arrive at my final conclusions. Sometimes I recommend annuities, and, other times, it is best to recommend they work an extra couple of years.
- Claiming Social Security at 70 Can Cost You: T. Rowe Study
- Should Americans Be Required to Save for Retirement?
- Milevsky Warns: Beware of Annuity Ignorance
- Annuity Puzzle Solved: Don't Buy Them


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Frankly I don't get it.
Folks requesting organ donations have had greater success than today's blogger seeking comments on their blog posts.
And I say this with affection: I'm amused but confused.
In my mind, reading an enjoyable (or minimally interesting) blog and not leaving a comment is like dining at a restaurant and not leaving a tip. And isn't "food for thought†just as gratifying?
Ask any blogger and they'll tell you that comments left on a blog by visiting readers are the equivalent of finding a 20 dollar bill in a back pocket of some old jeans, or receiving extra chicken nuggets in your value meal package that you didn't have to pay for.
Or getting a date with Keanu Reeves.
Okay, well maybe that's just me. 🙂
But anyhow…
Consider this a public service message: We wanna hear from you.
Or it kind of defeats the point of taking our "journals†public.
I don't say this to be crass or crazy. Really…
We know you're out there.
The electronic "click counters†confirm it.
Whether you're reading our blogs because you accidentally landed on our spot, were referred, got bored, or actually dig our style and our platform, we welcome you!
Now stand up and be counted. Your 'two cents' is valuable.
I admit that until I started on a regular basis, I too didn't realize all the work that goes into building and sustaining a blog. There's the design and set up, the content, formatting, the marketing, and many hours of solitude sitting in front of a computer until your back and your eyes hurt.
Now, of course I'm not suggesting that we don't get something out of it too. But, I've always believed that successful communication is a two-way street. Bloggers don't want to always talk "at you†we want to "talk with youâ€.
And although I think it's neat when I get a "tweet,†I dig a little intellectual online exchange every now and then. Then again, maybe it's a chick thing; women hate the "silent treatmentâ€, unless we're giving it.
I kid you not, on some days it's so quiet, we'd welcome hecklers! 🙂
Let's Look At The Problem And Solutions
If perhaps you're not shy, but instead time constraints are a factor, I can certainly understand. Everybody is hugely busy these days. Consider this.
A comment doesn't have to be of epic proportions. A simple, "I enjoyed your post†would suffice and potentially qualify you for B.F.F. status. Or even something like "I give this post 4 grunts."
Also adding insult to injury are fellow bloggers who refrain from giving comments on your post for fear that you'll have more responses than them in what they perceive to be an online popularity contest. Go figure.
The Payoff
If you still need some gentle convincing, here are 5 reasons to leave comments on your favorite Blogs.
- Because it's free. That's right; it won't cost a dime and just a few minutes of your time. And think about it, how often is your opinion really sought? Probably not as much as you'd like. 🙂
- Because it helps us decide the future direction of our blogs.
- Because it helps to build a cohesive community in the Blogosphere.
- Because it leaves a "virtual paper trail†that leads readers to your joint, and potentially increases your Blog traffic.
- Because it promotes good karma. You don't owe us anything, but it sure would be nice. 🙂
Well, I'm off my "soap box†for now. It's Tuesday ni and I anxiously await the "comments†of Simon Cowell on American Idol. Cheerio!
Author: Jennifer Brown Banks
Jennifer Brown Banks is a veteran freelance writer, popular relationship columnist, and Pro Blogger. When she's not immersed in the world of words, she digs simple pleasures like cooking, Jazz music, Karaoke and a good cup of tea. She is the former Senior Editor of Mahogany Magazine.