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If Chattanooga was a last minute, impulsive decision, the decision to go to Philly to watch the newly rechristened Parx Casino Philly International was one I made a while ago. Philly is only two and a half hours from DC and I was really interested to see how the race course change would affect the race. In addition, I wanted to ride the Bicycling Open, which is basically just an opportunity to pre-ride the course the day of the race. I was terrified of "the Wall", but was excited about the challenge!
"The Wall" is the Manayunk Wall, named after the Philly suburb it runs through. It's a climb that is only .5 miles long, but it has sections of 17% gradient and it is BRUTAL! This year, instead of a start/finish downtown in front of the Art Museum, and a mix of short circuits and long circuits (which include the Manayunk Wall), the Philly Classic started and ended at the top of the Wall. It also cut out the downtown short laps, opting instead for 10 laps straight up. While this meant the overall lap length was shorter, it also meant the racers had to ride up the Wall 10 times!! In addition, because the start/finish was now at the top of the Wall, the race wouldn't end in a sprint but would most likely reward a solo move made within the last few laps, if not the last lap, and maybe even the last climb. So it was shaping up to be an awesome race!
I was staying with a friend of friend in Manayunk. When I told him I was driving up (I rented a car), he said "Well, parking can be a bit difficult around here, so call me when you've found a spot." And, damn, he wasn't joking. The lower half of Manayunk is a maze of narrow streets, made narrower by all the cars parked on one side. They should all be one ways, but only half of them were, so I just prayed no would come up as I was going down. I drove around for about a half hour before I found a spot that wouldn't require me to parallel park- those skills are pretty rusty!
My original intention was to ride down to the art museum and spend time there before I met up with my Twitter friend, Heidi (@heidimo6). They have a great bike trail that follows the Schuylkill River on either side. But I got a late start and it was fucking HOT and HUMID. I got not even halfway there and it was clear I was not going to make it downtown! So I backtracked a bit, rode over to the other side of the river that had a trail next to a closed road (similar to Beach Drive in DC), rode for a bit, then laid down to take a nap. It was glorious! I did have someone shout at me to make sure I was still alive, and I appreciated that. Eventually I got up to meet Heidi at her hotel. The trip there was all uphill and it was still disgustingly hot. So that was fun.
After dinner with Heidi and a few drinks with my hosts, I crashed, ready for an early morning.
The ride started at 7:15 and I was glad we got our ride out of the way before the sun got too high. Our ride started a little bit before the Wall, instead of on top of the Wall, like the real race did. So, after biking through the town, we started up the Wall. I think the Wall can be divided into 3 sections. The first section is the longest, steep-ish, but pretty steady. I was feeling pretty strung out by the time i reached the end of that section. Even though as I think back on it, I don't have an exact memory being so wiped that it justified stopping for a rest, but I did. I don't remember feeling like my legs were burning or I was hyperventilating, so I'm not sure why stopped for a breather. But I did, and then I started up the 2nd section.
That section was A LOT steeper, though not as long. I was able to ride most of the first section seated, but that was not an option for the 2nd section! As I was riding, I kept my gaze focused on the 200m to go sign- I was telling myself, just make it to the sign, then it flattens out! Because it definitely looked like it flattened out! However, once I got to the 200 meters to go sign, hyperventilating, wheezing, and burning, it was clear it did NOT flatten out! I was so demoralized, I had to stop again.
Once I caught my breath and helped a girl fix her chain, I started up the last section. It was medium steep and pretty short. I felt pretty good going up it, because of my nice break.
Once you make it to the top of the Wall, there is a LOVELY downhill! It just goes on and on. And because it was on a closed course, we could just buzz through all the stop signs and lights!
The rest of the course is pretty flat, except for a little bump we thought was Lemon Hill and the climb that was actually Lemon Hill! Lemon Hill is pretty steep, but not long. I was pretty wheezy at the top, but my legs didn't feel too bad.
After the ride, I took a shower, and then watched most of the women's race from a Mexican restaurant. Heidi was supposed to join me, but she got lost. So I made friends with the mom and her daughter next to me, drank lots of margarita's and did jello shots with them.
Eventually I made my way to the finish line on top of the Wall where Heidi was. It was wicked watching the guys come over the top of the hill. With 7 laps left, they pulled about half of the guys out of the race (they often do that if they've been dropped so far, there's no chance of catching up). The guys were just SHATTERED- total death ride faces on them. However, many of them still had enough energy to slap the hands of those of lining the barriers, hand off water bottles, or pull a wheelie. The crowd went crazy every time a rider came over the top. I suspect the enthusiasm had something to do with the fact that it was about 25 minutes between laps, and maybe we were a bit bored.
Like Chattanooga, I really had no idea what was going on with the race. I didn't even realized who had won until they announced him on the podium. Turns out it was Kiel Reijnen, who had come in 3rd in Chattanooga! He had a disappointing race with a mechanical right at the end, so it was super exciting to see him win.
It was another fun weekend of race watching. I'll definitely be back to ride the course again next year, and hopefully I can make it up the Wall without stopping! Plus, I really wish I had tried to ride the Wall a second time. Hopefully next year I can make that happen!


text:
Santoni Renato (27789)
Is a ankle boot of leather and has various color shades.
- Width: standard to spacious
- Closing: elastic
- Detail: loop at the back and colored by hand
- Upper material: leather
- Inside: leather
- Sole construction: leather in Blake
- Standard size
- Matching belt possible
- These Santoni shoes are handmade in Italy
Supplied in the original Santoni box, with matching dust bags.
- in stock
- money back guarantee
- delivery within 2 working days world wide
EU 21% VAT | USA 8% sales tax | Hong Kong no tax
€ 730,00
International size guide

subset: commoncrawl


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It Chapter Two
3 out of 5 Stars
Director: Andy Muschietti
Writers: Gary Dauberman, Stephen King (novel)
Starring: Jessica Chastain, James McAvoy, Bill Hader
Genre: Horror
Rated: R for disturbing violent content and bloody images throughout, pervasive language, and some crude sexual material.
SALT LAKE CITY (KUTV) – Synopsis: Twenty-seven years after Pennywise tormented the members of the Losers Club, the friends are brought back together to try and defeat the murderous clown for good.
Review: I loved "It." It wasn't hard to relate to the Losers Club, I too was a teen growing up in the eighties and never quite fit into the popular societal norms. I wasn't tormented by clowns, but there was a lot of truth in the writing and performances.
The second half of "It" is dominated by familiar characters in their older, adult form, but there are still plenty of flashbacks to keep the younger versions throughout the narrative.
The film begins with an act of violence that, unlike the rest of the film, is firmly grounded in real-world hate and serves as a reminder that there are horrors within contemporary culture that are as disturbing as a malevolent creature with a white-painted face.
What follows is a hallucinatory experience set in a nightmare world where the line between real and illusion is blurred beyond recognition. The characters are sent down the rabbit hole of exploring repressed or otherwise forgotten memories. Somethings are hard to live with; it's easier to just forget. Remembering is to reexperience the anxiety, fear and pain of being young and vulnerable.
The film runs nearly three hours, but feels incomplete. The main story gets told, but there are details missing. The filmmakers apparently flirted with the idea of splitting this film into to movies. Doing so might have angered some audiences, but ultimately the story might have been better told. I'd be very interested in seeing what ended up on the cutting room floor. There has been talk of a "super cut" that would combine the first and the second films. Maybe they could work in additional material (assuming they shot the scenes).
The original cast is as charming as they were in the first film and their older selves are quite good. A lot of attention has been thrown at Bill Hader's performance and there's good reason for that. He's the loudest and most brash of the group, but don't sleep on the work that Jessica Chastain and James McAvoy are doing here.
"It Chapter Two" isn't as good as its predecessor. It might not even be in the same league, but it does provide some needed closure for the characters. Not nearly the film I wanted, but recommended to those who started the journey. You'll want to see it through to the end.


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Despite Strong HANA Launch, SAP Sales Come Up Short
Days after a significant product launch that included events on three continents, German software company SAP reported preliminary results showing sales that fell short of the expectations of analysts.
SAP shares fell more than 4 percent as the company reported revenue came in at €5.02 billion ($6.7 billion), constituting an increase of about 9 percent year-on-year. Operating profits were €1.59 billion. Since the results were preliminary, the company didn't report net profits. That disclosure will come on Jan 23.
The sales results missed the mark that analysts had been expecting: Sales of €5.13 billion and an operating profit of €1.95 billion.
The new HANA product that was the focus of the big launch last week moves business data into memory chips and off spinning hard drives, thus making access to that data more immediate. The company has been working on a transition from its existing suite of on-premise software applications for businesses for several years and announced the completion of the process last week. And while sales of HANA were stronger than expected at €194 million, they still make up a relatively small slice of SAP's overall revenue pie.
Also, last week co-CEO Jim Hagemann Snabe said without elaborating that the company's medium-term guidance will be revised upward. Currently the company expects to report annual sales of €20 billion by 2015.
SAP competes closely with software giant Oracle as well as with certain cloud-based software companies including Netsuite, Salesforce.com and Workday.


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Of all the rooms in our homes, compact bathrooms often appear as though they'll be the most difficult design projects. A real challenge due to their minuscule size, small wash spaces are commonly neglected in the process of a home renovation or refurbishment. However, your little bathroom needn't suffer in the design stakes, but rather impart practicality, purpose and versatility.
Here at homify we love a tricky or challenging test, and there is often no greater a task than attempting to update a cloistered, cluttered and neglected small bathroom. To provide you with some ideas and inspiration before you begin your remodel or refresh, we've collated and gathered 10 of our favourite small bathrooms. From industrial-esque wash spaces to neat storage solutions, check out the images below and get a few neat ideas for your new bathroom today!
When you're working with a small space, the last thing you need to be worrying about are walls! This bathroom is waterproof, and works with a barrier-free aesthetic. Industrial in its appeal, the concrete textured walls provide a wash 'bunker' that is both stylish and surprisingly spacious in its ambience. Better yet, the extra room has allowed a large vanity along the wall, with gorgeous twin sinks.
If you have little space to work with, choose a feature as a standout and work with it. A bathtub is often the largest item in a room; however, it can impart luxury and style effortlessly. Look for small freestanding bathtubs that will fit your space, but still allow the room a sense of airiness.
The bath/shower combination is a tried and tested staple of the small bathroom. No need to forego comfort, simply add your shower above the tub! This chalet-style example is a beautiful compact space that still evokes a sense of comfort and relaxation.
If your utility room is within your bathroom, check out some smart joinery options. Neat cupboards will allow you to hide your washer and dryer stylishly and efficiently.
If you need assistance with cupboards and joinery, speak to a professional via the homify website today!
Neutral is always a fabulous colour scheme for a compact space, and this wash space proves it! Check out the statement contrasting vanity that imparts interest and an eye-catching feature to the bathroom.
When you are lacking space in your bathroom, the walls provide the ideal area to incorporate storage. Take some cues from these examples, and ensure your room is well equipped.
If you are unable to undertake a full-blown renovation, simple changes can help your space feel stylish and updated. This laundry basket and shower curtain combination is gorgeously bright and helps bring to life the small bathroom.
Choose your accessories wisely! More often than not, less is more, and you won't require too much to make your space feel renewed and unique. Pick quality over quantity.
Plants have a wonderful ability to bring spaces to life, as well as purifying the air around them. Look for indoor plants that require a small amount of light, and add to a dull or dreary corner of your compact bathroom.
For the last bathroom on our list we are taking a look at this compact yet highly luxurious space. Effortlessly chic, the rain shower head and stone wall panelling look sophisticated and sleek.
We hope our Ideabook provided you with some handy tips and tricks to get you on the path to bathroom harmony! If you would like some more domestic inspiration, check out: Bathroom fittings and fixtures


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We're flipping over to our new commenting/discussion regime on Monday. It's called Kinja, and having dicked around with it a little, I can report that it is not at all like playing underwater blindfold three-dimensional chess. On an architectural level, it's just the current Deadspin system, only now lying beckoningly on its side. Substantively, you'll see the site orient itself a little more around the discussion at the bottom of a post—more chats, more writer participation, etc. Read this if you want to know more about why we're making the switch.
What I said back in April applies: Smart and insightful are given primacy over boorish and fatheaded; funny is still paramount. There's no reason our comments section has to turn into the Superfund site that passes for Gawker's section now. Stars are gone, but there will still be plenty of quality control. Make funny jokes. Reply funnily to funny jokes. Say smart things. Reply smartly to smart things. Be not dumb and respond not to dumb and all will be well. (If you're wondering: The Comment Ninjas will still be around, only now d/b/a as the Comment Faerie.)
Here's what things'll look like on Monday (click to enlarge):
For comparison's sake, here's what that exchange looks like now.
We'll have some sort of FAQ on Monday. And hang around for a live-chat at noon EDT or thereabouts. It'll be fun. Please come.


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Wolf Blitzer delivers the most important breaking news and political, international, and national security stories of the day. Tune to The Situation Room weekdays 5-7pm ET on CNN.
Dana Bash reports on the last-minute drama the freshman Texas Republican caused over the Senate's vote to raise the debt limit.
You must be logged in to post a comment.


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Fast Food Mashups Make Eating Even More of an Adventure
Wendy's or Taco Bell? Can't choose? Maybe you don't have to.
This video shows fast food mashups, finally putting a Frosty on the same plate as a churro or a Pizza Hut pizza together with Chicken McNuggets. It's double the taste and double the cholesterol-jumping fun.
Don't mash up too many foods, though, or you'll may have to try a different kind -- Pepto-Bismol and Metamucil.


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Article content
This Sunday Dec. 4 is National Cookie Day - but, seriously, do we need just one day to celebrate this awesome event? And, coming right before the holidays, when cookie exchanges are part of the fabric of the season - we say, just bring it on!
Research from Daysoftheyear.com shows the day was actually created back in 1987 by a man named Matt Nader of the San Francisco-based Blue Chip Cookie Co., and later championed by none other than The Cookie Monster of Sesame Street fame. Today, it's celebrated all over the world, with people gathering to bake, create and just have fun while filling the kitchen with aroma of freshly-baked yum.
Here's a few recipes to get you into a baking state of mind this weekend:
Courtesy of Lindt (Lindttheseason.ca)
1 cup (250mL) unsalted butter, room perature
1/2 cup (125mL) packed brown sugar
1/2tsp. (2mL) vanilla extract
2 1/2 cups (625mL) all-purpose flour
3 bars (100g each) 70% dark chocolate, broken into squares
Sea salt (Maldon suggested)
Preheat oven to 325F (160C). Line 2 baking sheets with parchment paper. Using electric mixer,cream togetehr butter, sugar and vanilla until light and fluffy. Stir in flour, 1/2 cup at a time; mix until all flour is incorporated and dough forms a ball. Cover with plastic wrap refrigerate for 10 minutes.
Working on lightly floured surface, roll dough out until about 1/2 inch (1 cm) thick; cut into 24 rectangles. using a spatula, transfer cookies to prepared baking sheets, place 1-inch (2.5cm) apart. Top each cookie with a square of chocolate. Bake in batches for 12-15 minutes or just until cookies begin to brown. Cool for 2 minutes; sprinkle lightly with sea salt. Cool completely on baking sheets before transferring to storage containers.
Makes about 2 dozen cookies.
NOTE: You can melt down your favourite chocolate and drizzle tops of cookies.
If Christmas had a taste, it would be gingerbread. This is a favourite recipe I've adapted from a Dairy Farmers of Canada one that I've used before with much success.
3/4 cup (175 mL) unsalted butter at room temperature
1/2 cup (125 mL) packed brown sugar
1/2 cup (125mL) white sugar
3/4 cup (175mL) fancy molasses
1 large egg
2 Tbsp. (30 mL) milk
1/2 tsp. (2 mL) vanilla
2 cups (500mL) all-purpose flour
3/4 tsp. (3 mL) ground cinnamon
1 tsp. (5mL) EACH ground nutmeg, ground ginger, ground cloves
1/2. (2mL) ground allspice
1 tsp. (5 mL) baking soda
Decorations: prepared Royal Icing, candies, sprinkles, etc.
In a large bowl, cream together butter and sugars, then add molasses and egg and blend thoroughly. Stir together milk and vanilla. Add to butter mixture.
In a separate bowl, combine flour, spices and baking soda. Sift into butter mixture. Stir with a wooden spoon until well combined. Gather dough into a ball, wrap tightly in plastic wrap and refrigerate for at least 30 to 60 minutes.
Prepare two rimless baking sheets with parchment paper. Preheat oven to 375F (190C). On a floured surface, roll out dough 1/4 -inch thick and cut with your choice of cookie cutters. Place on an ungreased baking sheet and bake for 8-12 minutes or until golden. Cool on a wire rack. Decorate with colourful icing and sprinkles. Store cookies in a sealed container in a dry place.
Makes about 24 cookies.
tap here to see other videos from our team.


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23 May, 2012 | (01 hr)
Sign In to access this Webcast
Watch one of the most highly rated sessions from the last Customer Experience Leadership Conference and engage in some lively Q&A with the speaker who is joining us live. There is rapidly growing evidence that classic measures of customer loyalty are weak predictors of business outcomes. Learn from an expert how to improve measurement systems. Tim will introduce his award winning Harvard Business Review published thought leadership, in this practical "tools you can use" session.
Audience: If you are exploring how to elevate your organization's customer experience, you should participate in this webcast.
Tim Keiningham, Ph.D.
Dr. Keiningham is one of the world's most highly acclaimed loyalty experts. Dr. Keiningham is global chief strategy officer at Ipsos Loyalty, the largest customer satisfaction and loyalty measurement firm in the world. Dr. Keiningham is the co-creator of the Wallet Allocation Rule, a powerf...Full Bio
Robert Reiss
Robert Reiss is founder and host of The CEO Show, nationally syndicated to more than 600,000 listeners on AM/FM radio. His company publishes The CEO Forum, a quarterly magazine whose subscription base is exclusively 10,000 CEOs. Reiss is a frequent keynote speaker on lessons from CEOs.
Re...Full Bio


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2011 through the Facebook Status- part 1
January 1st:
I think Obama should use an executive order to get rid of the BCS. I think that is a cause we can all get behind.
January 5th:
why are the Kardashians famous?
January 7th:
a conversation about whether bridges of madison county is a meryl streep movie or a clint eastwood movie shouldn't end in a shouting match but in my family it was inevitable. the follow up argument about whether we were watching the movie on the Oprah Winfrey Network took the argument to a ridiculous level.
January 16th:
my mom felt the need to leave me a 5 part voicemail. the last four parts started with, "Hi Carol I'm not done yet."
January 18th:
I turned and looked into the window of a local Mexican restaurant at exactly the wrong time. Right when I looked in I saw an older man (60ish) literally feeding a younger man (early 20s) a banana. Now I have to ask… why did he have a banana in a Mexican restaurant?
February 6th (my first time at Urban Village Church- Tim Kim preached)
at church today the minister was a total 20 something hipster. he had to keep telling us the things he said are ironic.
February 10th:
note to the 'band' I just saw, being strung out on drugs does not make you an artist! and yelling 'fuck capitalism' at the end doesn't make you an anarchist.
February 14th (my first time at Mongays):
I got 'outed' as being straight at an LGBT Faith meeting. ah, well what can ya do God loves people of all sorts :)
February 19th:
So... year 26 was definitely not my year. I'm really gonna NEED year 27 to be my year.
February 25th:
My approach to relationships is like Gaddafi's, "If they don't love me. They don't deserve to live!"
February 25th:
apparently dancing down the street pretending I'm Doris Day in my head will garner quit a few looks! too bad life isn't a Doris Day movie cuz it would get me some looks from James Garner
February 28th:
oh my goodness! Second City just did a Lady Gaga song about Bontekoe Dairy Farms! my face hurts from laughing so hard :)
March 3rd:
I LOVE walking around N. Halsted in Chicago. I think cuz it reminds me of Amsterdam.
March 4th:
I like contemporary art museums they make me believe if I did drugs I too could be an artist.
March 6th:
Chicago Moment. Tourist: what happened? Chicago Cop: Well there are 30 fucking fire tucks what do you think? Tourist: I don't that why I asked you. Chicago Cop: Do not make me me explain why there are 30 GOD DAMNED FIRE TRUCKS HERE, and this whole area smells like FUCKING SMOKE! Tourist turns back to friends: I guess there was a fire or something."
March 12th:
me dancing at the EL a woman gets out of her car to yell, "you don't know how to dance!" my response, "why thank you! and a fine evening to you too." That shut the bitch up.
March 14th:
I like that at a gay bar karaoke doesn't start till after Rupaul's Drag Show
March 15th:
Attending my first Drag Show tonight. It's like Drag Open Mic night! How exciting. As Mandy said I can say in the future, "Oh, I knew her when she was just a Drag Princess
March 16th:
I just want to say I am the master of being abandoned in gay bars and making new BFFs!
March 24th:
I found once I started thinking of crazies on the train as performance artists I didn't find them so annoying. now I'm pleased that I get a show, for FREE!
March 27th:
going to church on 1.5 hours of sleep after a very fun late night out. It's like Senior year of college all over again. however, I know I have grown up because now I am mature and smart enough to wipe of last night's make up before putting on today's face :D
March 28th:
IN YOUR FACE CHICAGO!!!!!!! Just when I was going to give up on ya I get a job at the Museum of Science and Industry!!! Woohoo! :D


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My husband was in a wreck on 4/27/16 and went to the ER. He had a CT scan and was sent home with the ER stating all was well. I pushed for him to go to a chiropractor and went to get his records two weeks later. To my amazement, the impression states a 7mm colloid cyst was found and an MRI recommended.
HE followed up with the GP and she was hesitant to refer him for an MRI, but this also confirmed the cyst. He was basically told that these are not uncommon and he doesn't need to be concerned since no hydrocephalus was noted.
With all this said, I am frustrated and have been urging the GP to refer us to a neurologist for follow up. She basically told him it was fatty tissue and benign. I have done several hours of research and learned that this in fact is inaccurate. I am awaiting a call from his GP to find out which neurologist he will have an appt. with, but I am very frustrated overall with the complacency of the medical community about this so I dont feel encouraged much will be resolved at this appointment'
He has thrown up a few times weekly for twenty years and went several years ago to get tests run on his digestive system which were negative. He has complained of having occasional headaches and his vision continues to get worse. He is 43, and works at a nuclear plant where he has to climb to high locations and has other dangerous duties. I even worry about his driving and wonder if the wreck is a result to the cyst or not? No one seems to think this is serious including most of my friends, family, and doctors.
Any suggestions are welcome. I live in Georgia and have heard Emory has a chief neurosurgeon by the name of Costas Hidjapanyis with expertise. Does anyone know of a him or good places to seek treatment?


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Women's Chorus
We are an all-female vocal ensemble at Middlebury College.
The Women's Chorus is on temporary hiatus.
Please email Professor Buettner with any questions!
We enjoy singing a variety of music styles from quintessentially choral to contemporary, including music in foreign languages and different styles.
We perform at various locations on and off campus.
We are a close-knit and fun group looking for anyone who enjoys singing as much as we do!
Contact us: email@example.com


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After two seasons as defensive coordinator, the Eagles have fired Sean McDermott, the team confirmed.
A replacement has not yet been named, according to an Eagles source.
McDermott's firing comes just five days after head coach Andy Reid said that McDermott would be back next season. The 36-year-old's defense had regressed in nearly every statistical category this past season. Despite such alarming numbers Reid gave McDermott, who had worked his way up from the bottom, a vote of confidence on Monday.
"You're dealing with a guy that's a tremendous worker and is a very smart individual," Reid said a day after the Eagles' season came to an end with a 21-16 playoff loss to the Packers. "And so I look at it a little bit different than what you do in that I've seen him work with young guys, I've seen him work through injuries, I've seen him stay positive through those situations and still put us in a position to win football games."
Apparently, that was not enough to keep his job. Reid actually told McDermott that he was going in another direction on Thursday, a league source said.
Reid is away this weekend and will not have a comment, a team spokesman said.
Attempts to reach McDermott have been unsuccessful.
"I'm really surprised because I didn't expect that to happen," Eagles safety Quintin Mikell said in a text message. "I don't know how to take it."
Defensive backs coach Dick Jauron, who the Eagles granted permission to the Browns to interview for their vacant defensive coordinator position, is a candidate, according to a team source. The Eagles are expected, though, to interview a number of other possible replacements.
There are a number of former defensive coordinators looking for jobs, including ex-Browns coach Rob Ryan and former 49ers head coach Mike Singletary.
McDermott, of course, now joins that group. The Eagles promoted him in July, 2009, just days before his predecessor, Jim Johnson, died from cancer. McDermott worked under Johnson for most of his time with the Eagles. He used his aggressive style of blitzing, but his approach was different in many other ways.
McDermott liked to tinker with his defense and substitute players in and out during a series. He dealt with his share of significant injuries in two seasons, but the defense was a major crutch for the Eagles this season. It allowed a franchise-worst 31 passing touchdowns and had the worst red zone efficiency in the NFL since 1998.
"That's business," Eagles defensive end Darryl Tapp said when contacted. "Honestly, the last I heard he was coming back. Yeah, I'm disappointed. You work with a guy all year long you get to like him. But this is the business we work in."


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Thank you for visiting our website! Below you will be able to find the answer to Church celebration crossword clue which was last seen on NZ Herald Crossword, January 1 2020. Our site contains over 2.8 million crossword clues in which you can find whatever clue you are looking for. Since you landed on this page then you would like to know the answer to Church celebration. Without losing anymore time here is the answer for the above mentioned crossword clue:
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|Callous opportunist
|Looked up & down
|Printing error
|Steamship fuel
|Church celebration
|Tiny mark
|Cereal grass
|Piece of turf
|Hearing organ
|Garden tool
|Auction offers
|Pneumatic wheel
|Ring (of bells)
|Speed of sound unit
|Squid fluid
|Coronation regalia, ... & sceptre
|Rested in chair
|Business transaction
|Complex network
|Commend (for bravery)
|Sets up
|Canvas shelter
|Clarify, ... light on
|Turn upside down
|Perform again
|Australian gem
|Fast planes
|Arduous journey
|Knight's blade
|House cooler, ... conditioning
|Remains of a fire
|Colorado ski resort
|Alternate, every ...
|Rowing aid
|Adam's partner
|City inhabitant
|Closest relative, next of ...
|Raw mineral
|Await with horror
|Hornet home
|Male deer
|Prescribed amount
|High cards
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OUP Blogs Lincoln as Part of Bicentennial Celebration
I'm a fan of university presses so I'm sharing some information forwarded to me by the good folks at Oxford University Press about books and stories they are featuring on their Oxford University Press USA Blog as part of the Lincoln Bicentennial celebration. Check it out.
- An excerpt from James McPherson's ABRAHAM LINCOLN
- A series of FAQ's with Allen Guelzo author of LINCOLN: A Very Short Introduction
- A look at how Lincoln almost failed by Jennifer Weber author of COPPERHEADS: The Rise and Fall of Lincoln's Opponents in the North
- A post by Lincoln Prize Winner Craig L. Symonds comparing Lincoln and Obama which you can view here.


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Apple mobile devices are among the most popular gadgets today. In fact, Apple reports that 250 million iOS devices have been sold and 18 million apps downloaded. I often find that, while the popularity of these devices increases, many don't understand the basic security features that Apple makes available to them. Some of you may not even realize that these features exist and how easy they are to use. Let's walk through the top five security settings for these devices:
The Passcode
This is the most important security feature of your device. It's also one of the least configured settings. While it may be a pain to "unlock" your device when you want to use it, it's also your first line of defense if your device is ever lost or stolen. The key to the passcode is to ensure its complex and greater than 4 characters or digits. Never use simple passcodes like "1234" or your ATM PIN number. The two other settings that you need to set are to "Require Passcode Immediately" and set "Simple Passcode" to OFF. You can find these settings under the "Settings" icon then "Passcode Lock".
Erase Data
The erase data functionality adds another layer of security to your device. This function will erase all data after 10 failed passcode attempts. What this means is that if someone steals your device and tries to brute force your passcode, if they enter it incorrectly, the device is erased and returned to the factory default settings. Turn "Erase Data" to ON in the Passcode Lock screen.
Find My iPhone/iPad
If you ever lose or misplace your iPhone or iPad, "Find My iPhone/iPad" is a very important feature to enable. Simply download the application on your device or access it through iCloud (icloud.com). If your device is iOS 4 or below you will need to use the "MobileMe" (me.com) feature instead of iCloud. Either way, you will need to login with your Apple ID to set it up. You can then send the device a message or alert, locate the device on Google Maps, remotely set a passcode, and remotely erase the device. This feature is invaluable if your device is lost or stolen.
Backup Encryption
One of the more obscure settings that many users don't set is the "Encrypt Backup" setting, which is found in iTunes. This setting even applies to the new iCloud service in iOS 5. This setting ensures that the backup of your device is encrypted. It goes without saying, if you can access this backup, the data on your device can be accessed and harvested. For example, earlier this year there was a "feature" in which Geolocation data could be easily harvested from the backup file. This has since been remediated, but just think how much information could be harvested about you through an unencrypted backup file.
Keep iOS Updated
Making sure that you always have the latest version of Apple iOS on your device is important because Apple is always releasing security updates and implementing new security controls. Simply plug your device into iTunes and you will get prompted to update your phone to the latest version. As a side note, don't Jailbreak your device! Jailbreaking makes many of the built in security features useless and allows your device to be an easy target for data theft.
Ensuring that you have enabled and configured these security settings on your Apple iOS device is more important than ever. Devices like these are lost or stolen all the time and without taking the proper precautions, your data could be vulnerable. Having conducted Apple iOS device penetration testing assessments at SecureState for our clients, I can tell you how easy it is to break into these devices. It's easy because the proper basic precautions were not taken. Take five minutes now and enable these settings; you'll be glad you did.
This story, "iPhone and iPad Security: 5 Often-Overlooked Settings" was originally published by ITworld.


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Suskind's book on policy disputes within the Obama administration has garnered mixed, but overall positive reviews. Economics of Contempt suggests the book has been given something of a pass, perhaps by reviewers who do not understand the topic. The excerpts noted by EC are more than disturbing -- if they are not misquotations then Susskind (and his editor) have feeble grasp of the basic economics. Suskind conflates equity holders with secured creditors. They rather different categories, with very different risks. The quotes may (or may not) be selective, but the effect is still devastating. The book is a mistake.
The Economics of Contempt blog is good. I have forgotten how I came to it, but dorecommend it.


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7.00pm Wed 9 Sep 2020
Artist, musician & painter.
TNT Show - John Drummond interviewing Eddi Reader. #TNTShow Eddi Reader is an artist, musician & painter. Twitter: @eddireader https://eddireader.com Send questions for guest to [email protected], 07507 248856 or https://discord.gg/YyErKBe WATCH LIVE & POST QUESTIONS: https://youtube.com/IndependenceLive https://facebook.com/IndyLiveStream https://pscp.tv/IndyLiveStream https://twitter.com/IndyLiveStream https://twitch.tv/IndyLive ALSO LIVE on our partners Facebook pages. For more details on becoming a partner email [email protected] *** YOUR SUPPORT: Help keep Independence Live & IndyLive Radio LIVE and support our crucial crowdfunder: https://tvl.ink/crowdfunder *** ABOUT TNT SHOW: The TNT Show is an Independence Live production. It is streamed to the Independence Live social media network plus our partners (50+) Facebook pages/groups. Become a Yes group partner to help expand our streaming network and get this production and others streamed to your Facebook page/group: [email protected] FOLLOW US: https://independencelive.net https://youtube.com/IndependenceLive https://livestream.com/IndependenceLive https://twitter.com/IndyLiveStream https://pscp.tv/IndyLiveStream https://facebook.com/IndyLiveStream https://twitch.tv/IndyLive https://instagram.com/independencelive https://linkedin.com/company/IndependenceLive https://discord.gg/YyErKBe Independence Live 1000s of streams since 2013 Neo-Eisimeileachd Beò - Na Mìltean de Bheò-Shruthaidhean bho 2013 https://independencelive.net [email protected] IndyLive Radio News, music and indy since 2019. Naidheachdan, ceòl & cabadaich Rèidio IndyLive, bho 2019 https://indylive.radio [email protected] #BeTheMedia join our grassroots team. DONT HATE THE MEDIA, BECOME THE MEDIA Be-A-Volunteer/Contact: [email protected] [email protected] NEWS YOU DONT HEAR NEW VOICES FOR A NEW SCOTLAND/GUTHAN ÙRA AIRSON ALBA ÙIRE
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Views expressed on our broadcasts do not necessarily reflect the views of the Independence Live collective nor should our coverage of any event, individual or organisation be taken as an endorsement.
11.00am Sat 24 Oct
Beyond Nuclear - Helensburgh CND & SCND Conference CND Conference Glasgow
All day coverage from the Conference in Glasgow. Morning Session: No to Nuclear Power 11:00-12:00 Linking Nuclear Power to Nuclear Weapons: Professor Lynn Jamieson (Chair, SCND); CND Campaign - No to Nuclear Power: Rae Street (CNDUK) Chair: Arthur West 12:00-13:00 Hunterston: Dr Ian Fairlie (Independent Radiation Consultant); Lack of Readiness for a Nuclear Incident: Cllr Audrey Doig (Nuclear Free Local Authorities) Chair: Lynn Jamieson 13:00-13:30 Morning Panel Q&A Chair: Arthur West 13:30-14:30: Lunch break Afternoon Session: Renewables 14:30-15:30 Scottish Renewables – an Overview: Professor Mike Danson (Heriot-Watt University); Scotland's Renewable Energy Capability: Dr David Toke (Aberdeen University) Chair: Ian Fairlie 15:30-16:30 Just Transition: Pete Roche (No2 Nuclear); Renewables and Climate Change: Mark Ruskell MSP (Green Spokesperson, Climate and Energy) Chair: Mike Danson 16:30-17:00 Afternoon Panel Q&A Chair: Lynn Jamieson Tickets: £12/£8 including lunch https://www.eventbrite.co.uk/e/beyond-nuclear-tickets-93937709217 Livestream production by Independence Live https://www.independencelive.net https://www.facebook.com/ScottishIndependenceLiveEvents https://twitter.com/liveIndyScot https://www.youtube.com/independencelive 1000+ livestreams since 2013 DON'T HATE THE MEDIA, BECOME THE MEDIA!
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Starts at: 11.00am Sat 24 Oct 2020 Beyond Nuclear - Helensburgh CND & SCND Conference


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|Up a level
"Polarforschung"Dumoulin, J. A. , Harris, A. G. , Bradley, D. C. and de Freitas, T. A. (2000)
Facies Patterns and Conodont Biogeography in Arctic Alaska and the Canadian Arctic Islands: Evidence against Juxtaposition of These Areas during Early Paleozoic Time ,
Polarforschung, Bremerhaven, Alfred Wegener Institute for Polar and Marine Research & German Society of Polar Research, 68 , pp. 257-266 .hdl:10013/epic.29815


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HOUSTON – The Susan G. Komen Race for the Cure is Saturday, and it has special meaning for one Houston woman.
Amber Gillespie, 27, was diagnosed with breast cancer at the age of 26. She is young, successful, full of life and in a battle for her life.
"I was very surprised because I'm a very active, healthy individual," Gillespie said. "Out of all my family members, I was least likely to have some kind of major illness."
She has stage-two cancer. She dealt with the diagnosis head-on and held an informational session for her family and friends because her diagnosis and treatment were quick.
Gillespie began chemotherapy eight days after she was diagnosed.
"During chemotherapy I experienced a lot of depression being away from my friends," she said.
She lost her hair and ended up having a mastectomy.
Her family has been going on the journey to beating the cancer with her.
"My parents were very strong," Gillespie said. "I'm sure behind the scene they weren't as strong, but for me they were very strong. My sister has been my go-to gal. She's been my chauffer. She brought me food. She's my historian. She's scrapbooking everything for me."
Gillespie said she hopes her story can help others.
"There's really no explanation why I got breast cancer," she said. "It's really been a blessing in disguise because now I can be an advocate for young women."
Gillespie is back at work and feeling better, but her journey isn't over. She will soon have a full body scan to make sure the chemotherapy and radiation did its job. She'll have reconstructive surgery in about six months.


text: IDAS - Integrated Defensive Aids Suite Self-defence for airborne platforms Contact Anton Kieck Marketing & Sales Email Phone +27829230498 Self-defence for airborne platforms means knowing whether anyone is observing me or making me a target. That requires keeping track of every type of signal out there. Saab's IDAS is an EW system designed to provide self-defence in sophisticated, diverse and dense threat environments. IDAS can be configured to become the high-end system with laser-warning, missile-approach-warning, as well as full multi-spectral detection capability for radar. The system is fully integrated with the BOP-L countermeasures dispenser. Your integration effort will be minimised: IDAS systems are already a fully integrated Defensive Aids System, DAS. Choosing IDAS therefore reduces the substantial integration non-recurring engineering effort required by federated DAS systems. With Saab's EW systems you become independent – you perform your own EW library maintenance. EWOS, EW Operation Support, is our tool for that. For further information, see downloads. Last updated: 13 July 2015 • 10:12


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Ga. — In a tournament loaded with talented teams, Team Georgia 17u
is a diamond in the rough. Through four games at the PG/WWBA 18u
National Championship, they sit atop the Pool C standings with a
perfect 4-0 record, having outscored their opponents 43-3.
been a combination of good pitching and really good team defense,"
Team Georgia Coach, Chris McRaney, said. "When we have gotten in
trouble, either the defense has made a big play or the pitcher has
gotten a big strikeout or ground ball. And it's been this way all
year. We've allowed four runs or less in 40 of our last 41 games."
Georgia's starting pitching has been lights-out in this tournament
specifically, allowing just one earned run on nine hits and two walks
in 19 innings, striking out 20. Right-handed pitchers Logan Elliott
(2013, Dunwoody HS, Ga.), Matthew Gorst (2013, Johns Creek HS, Ga.)
and Dustin Beggs (2012, Centennial HS, Ga.) have contributed to the
team's starting pitching success.
Left handed pitcher Mitch Stallings (2014, The Lovett School, Ga.) pitched Sunday,
allowing just one hit while striking out five in as many innings. He
showed good command and fired 70 percent of his pitches for strikes.
felt good when I started stretching and I just carried it out onto
the mound," Stallings said after the game. "My fastball felt
really good and I located it well. My curveball started a little
rough but came around throughout the game."
McRaney was pleased with Stallings' performance as well, but wants
others to know that he's worked very hard to achieve this success.
say that Mitch has improved would be a serious understatement," he
said. "Being a lefty obviously gives him an advantage. But if you
look at his frame and the projectability down the road, he's going
to be really special. And he's a competitor in every sense of the
word. He's a fine young man and he's going to have a lot of
options down the road."
Harrington (2013, Central Hardin HS, Ky.) will try to extend Team
Georgia's fantastic pitching streak on Monday against the Cape
Coral Cannons at the East Cobb Complex.
just trying to get myself mentally prepared because I've heard they
are a pretty good team," Harrington said of the Cannons. "Hopefully
my fastball is on, my curveball is working well and I'll mix in a
few change-ups, too."
made his Perfect Game tournament debut earlier this spring at the PG
17/18u East Cobb Invitational and also pitched in the PG National
Showcase in June.
was awesome playing in the Metrodome," Harrington said. "I got to
match up against some of the best players in the nation from my
class. I performed pretty well too, so I was pleased with it."
limited action against high-level competition, Harrington has done
nothing but impress.
been really good this summer and he's learning," Coach McRaney
said. He progressively gets stronger as the game goes. I'd be
surprised if we see anything but his best tomorrow."
is a Louisville commit, even though he has a close connection to one
of their most competitive rivals.
whole family went to Kentucky and we're all huge Kentucky fans, but
I'm going to Louisville," Harrington said. "Coach (Dan)
McDonald is great. The first time I walked into his office I felt
like that is the place I need to be."
Team Georgia's pitching has been outstanding, they have some good
hitters, too. They lit up the scoreboard with 21 runs Saturday,
thanks in large part to Brock Maxwell (2013, Lambert HS, Ga.), who
hit a double and a grand slam from the left side of the plate.
four games, Maxwell is 6-for-11 with three doubles, a home run and
seven RBI. He attributes his success at the PG/ WWBA 17u National
Championship to a wait-for-your-pitch approach, something his coaches
recently instilled in him. He's also hitting the ball to the
opposite field, something he didn't do in the past.
has offers to play at Georgia Tech, Auburn, Florida State and Oregon.
While he's not yet ready to make a decision on his future, his
experience at Perfect Game events has helped prepare him for the next
level of competition.
Perfect Game events have helped a lot," Maxwell said. "Last year
was my first time seeing anything above 85 mph, and now I'm seeing
above 90 mph here sometimes. So it's helped me a lot and hopefully
it'll prepare me for college.
Team Georgia might have up to a dozen future Division-I players,
Coach McRaney is focused on teaching them the right way to play.
is a great game," he said. I'm teaching them if they play hard
and with class, great things will happen to them."


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Brooks: Buffs Hit A Very Rare Olympic Double
BOULDER - It's a rare and wonderful thing for a school to produce an Olympian. It's even rarer and more wonderful for a school to produce a pair. But it gets even better.
The University of Colorado has placed two student-athletes in the London Olympics - and in the same event no less.
How does veteran CU track and field coach Mark Wetmore explain it? Before that, hear this: "I've never seen it before," Wetmore said Monday over the noon hour at a press conference for CU steeplechasers Emma Coburn and Shalaya Kipp. "There were maybe five collegians on the 2008 Beijing team; I've never seen two from the same event."
Now he has - and from his team, to boot. As for Wetmore's explanation of why Coburn and Kipp are bound for London Town later this month as first-time members of Team USA: "It's a confluence of luck, talent and environment . . . a lot of things came together to make it happen. Two people - I won't say equally talented because talent packages can vary greatly - but in the end it adds up to Olympic level talent."
Coburn, of Crested Butte, and Kipp, of Salt Lake City, qualified for the 2012 Summer Games by finishing first and third, respectively, last month in the U.S. Olympic Trials in Eugene, Ore. Coburn might be an Olympic newbie, but she's not new to the international stage. Kipp, on the other hand, is a first-timer in practically all areas of international competition.
But the common denominator here is that both are Olympians - Buffs Olympians - and both couldn't be prouder about putting their patriotism on display in what will be the trip of an athletic lifetime.
The sheer red, white and blue magnitude of it all, said Kipp, registered during her victory lap at Eugene's historic Hayward Field: "You have the American flag and you realize you're going overseas and represent your country. That was pretty cool. In the airport little kids ask you for your autographs. That's kind of when it started to sink in, that you're going to do something really special."
Many steeplechasers evolve, and Kipp can be counted in this group. Believe it or don't, but she says she arrived at CU believing the steeplechase "was a horse event." Wetmore approached her about trying this non-horse event, she complied and now calls the torturous 3,000-meter race "a pretty good fit . . . it's different than any other race but it's been really fun."
The real fun comes in winning, and both Coburn and Kipp are NCAA steeplechase champions - Coburn in 2011, Kipp in 2012. They are different strains of steeplers, Coburn nearly flawless in her form while Kipp could be classified as a power runner, maybe even a grinder.
Wetmore might or might not be a gear-head, but when I asked him what each of his steeplers needed to tune up before they answer the boarding call for Heathrow, here's how he answered:
"Despite the fact that they are both Olympians, and at the trials they ran within three seconds of each other, every athlete is a unique talent package and each has to be developed uniquely. Emma has her strengths in the event which are different from Shalaya's. While they do have some similar workouts, they will also have some different workouts, they will have different focuses to each workout. More importantly, different focuses in the workout. I've been quoted as comparing them to different generations of Formula One racing cars. In the early '90's, Formula One cars had 12 cylinders and at least 1,000 horsepower engines. Safety regulations and cost-cutting regulations have dialed that back to V8s and 750 horsepower, but the cars are just as fast with aerodynamic changes. So, Emma's impeccable technically and Shalaya has a 1,200 horsepower engine. There's a difference, they come in different talent packages and they need different workouts. While we're working on Shalaya's aerodynamics, we're working on Emma's horsepower."
Vroom, vroom . . .
While Coburn redshirted the past indoor and outdoor seasons to train for an Olympic run, Kipp has been running full tilt. Over the past two months, she has competed in eight races - a full load by any standard in such a grueling event.
But she smiled and didn't hesitate Monday when asked if the tank was still full. "The tank is still full," she said. "The coaches have been very careful with me; they've made sure I've recovered after the races. I trust them to know what they're doing. I think we're going to be fine with two more steeples coming up."
Kipp didn't grow up with the Summer Games racing through her dreams. Rather, it was the Winter Games. She was a grade-schooler when Salt Lake City hosted the Winter Olympiad in 2002 and could see herself as a ski racer in some future Olympiad.
"But slowly as I morphed into a runner and started running in college, the Summer Olympics looked a little more appealing," she said. "The dream to go represent your country is probably the same in every sport in every season."
Coburn's exposure to the international track scene might give her a hint of what to expect on her sport's grandest stage, but she isn't convinced that the spotlight will necessarily find her. Which is fine with her. Her success last summer in the IAFF World Championships in Daegu, South Korea offered a taste, but truth be told it's a taste she doesn't crave.
"To be very honest, I'm a very small fish in a big pond, even with the USA athletes," Coburn said. "I'm not an Allyson Felix (U.S. sprinter), I'm not someone who's favored to win gold. To be honest, I think I'm just going to skate by under the radar. I think the Colorado community cares about me; I think USATF cares about me. I'm fine . . .
"Eventually I'd like to be favored for a medal, but this time around I'm fine being under the radar, being the little fish in the big pond and having my other buddy fish with me to swim along. I'm fine with that."
Kipp is a junior and will return to CU for her final season under Wetmore and Burroughs. There has been speculation about Coburn's future, but she said Monday she plans to be running alongside her "buddy fish" next season.
"What I want and what would make the most happy is if I come back and compete in the 2013 indoor season and then the 2013 outdoor track season - and that's the plan now," Coburn said. "I'm looking forward to that. I want to have this Colorado on my chest (she's standing in a Dal Ward hallway conveniently in front of a picture of her running) as long as I can. That's the plan now."
Coburn took a couple days last weekend to return to Crested Butte and decompress from all that's happened since the Olympic Trials. But she didn't escape training; Friday featured a long run (seven miles) up Slate River Road, Saturday was a shorter jaunt around a loop on Crested Butte's west side.
It might happen on the flight to Great Britain or it might not happen until the return flight has landed, but Coburn and Kipp haven't talked about what it's taken to get them both this far and what it might mean to their futures.
"I think we're still so involved in it that we can't take ourselves away from it to look at it from the outside," Coburn said. "We haven't talked much; we've chit-chatted about our races, our practices, how our weekends have gone, boyfriends - normal, boring life things.
"But we haven't talked about the importance of being an Olympian. We're still very focused on what we're doing tomorrow for practice. We haven't had a chance to step back and really talk about it - which we might not get a chance to do until afterward."
Both Coburn's and Kipp's parents are London-bound, and Coburn also will have her three siblings in attendance. After Kipp rumbled into third place in Eugene, reaching the Olympic gold standard and qualifying for Team USA, she said her parents were "like OK, 'I think we can do this.'"
Of course, you would expect them to do it if at all possible. This isn't something that happens every summer for parents - or a university for that matter. As Wetmore said, it's among the rarest of rarities. And it's a genuine feel-good time for CU.
Contact: email@example.com


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9/28/20 COVID 19 Announcement. Great News! We've received and fully shipped our first substantial order (nearly 14,000 lbs) from Body Solid, which has allowed us to fulfill a small number of April, May and even some June orders. We have more than 100,000 lbs of weights ordered and expect shipments to be received periodically. Please note that new Body Solid, Schwinn, Nautilus and BowFlex orders may have a 3 or more month lead time. These delays remain the result of increased demand combined with a reduction in production. Please order with confidence in knowing that if the wait ever gets too long, we offer no-hassle cancellation for a full refund. To find out more, see the "Blog" link below.


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Flavor pairing revisitedTuesday, March 8th, 2011
Foamy strawberries with coriander (cilantro) from TGRWT #3 turned out to be a delicious combination. Could it possibly be a category 2d predicted aroma similarity?
As mentioned in my previous post about the flavor pairing presentation given by Wender Bredie as part of the Copenhagen seminar on molecular gastronomy I'm really happy that the topic has been brought into the scientific community. At the same time is has also become very clear to me that the term flavor pairing needs some clarification. First of all I have come to realize that the the term flavor pairing is slightly misleadning, and I wonder if aroma similarity perhaps is a more precise term. As I see it, today the term flavor pairing is used in a range of different ways: (more…)


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text:
Just as it is very easy to have an opinion about art without knowing how to draw, it's very, very simple to talk knowledgeably about 'digital' without knowing anything about coding – the logic underlying every website and digital product we've ever used, tweeted about and, often, criticised.
So as part of Internet Week Europe and with Google Creative Labs we held a Coding for Dummies workshop which was an opportunity for 40 or so people to learn at the feet of some true coding ninjas and take their first, shaky steps along the path of geek enlightenment.
We started from the basics, quickly learning that 40 people cannot transfer a file to the same server simultaneously. We covered basic html, the fundamentals of server-side and client-side interactions moving smoothly onto CSS and javascript embeds before Googler @monocubed wowed us with some experimental HTML5 projects that might, right now, be a little beyond our abilities.
The afternoon didn't finish with the class able to recreate We Feel Fine or launch an alternative blogging platform. But what it did was give everyone the confidence to go and have a look at a webpage's source code and the beginnings of understanding why things on the web look and behave the way they do. A bunch of people can now go and play with code, launch a page onto the internet, tweak it, break it and maybe even fix it again.
Below are @tomux's slides and at the end of them we've added a few of the pages that some of the dummies-no-longer created. We enjoyed ourselves so much (and still have so much to learn!) that we hope to do this again some time – keep an eye on our twitter for details.
Huge thanks to everyone who came along and special thanks to Googler's @tomux, @monocubed and @potatolondon and BBHers @mrjonandrews and @jimhunt_ for patient teaching and technical prowess.
We know code-fu.


text:
1st Birthday Cakes
Home›Cakes for Children›1st Birthday Cakes
Two things mark a Birthday, opening your presents and blowing out the candles on your Birthday Cake. We know how important a Cake is for any occasion. Check out our Cake Designs or create your own design using our Cake Wizard. Get in touch if you need any help, we would love to hear from you!
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Bill Kauffman, Senior Manager of Communications, Phone: 719-228-6800, Email: email@example.com
USAV Facebook - @USA_Volleyball
COLORADO SPRINGS, Colo. (updated June 18, 2013) – USA Volleyball has announced its 47-player roster for the U.S. Women's National Volleyball Senior A2 Program that will train and compete this summer in Dallas.
The U.S. Women's National Volleyball Senior A2 program is available to athletes with collegiate eligibility remaining for the 2013 season. This program is scheduled to take place in Dallas from June 25 to July 4 in conjunction with the USA Volleyball Girls' Junior National Championships.
The program roster has athlete representation from 29 different universities with 12 schools having multiple selections. Purdue University has four players selected for the program, while Iowa State University, University of Wisconsin, Michigan State University, University of Louisville and Loyola Marymount University have three athletes each in the program.
Five athletes are repeat selections from 2012. Purdue University middle blocker Kierra Jones and opposite/setter Valerie Nichol competed in the A2 program last year, as did Michigan State University middle blocker Alexis Mathews and outside hitter Lauren Wicinski. University of New Mexico opposite Chantale Riddle is in her second tour in the A2 program. Mathews also competed in the 2011 edition and is a three-time selection.
The A2 program coaching staff will include Andy Banachowski, Mike Hebert, Ruth Nelson and Bill Neville who will serve as team head coaches. Assistant coaches with the A2 program are Ashley Allen, Terry Condon, Linda Hampton and Marci Sanders. Technical coordinators/assistant coaches for the A2 program are Kevin Hitt, Nicki Holmes, Eugene Tichenor and Jay Van Vark.
During the six-day training period from June 25-30, the 47 athletes will be divided into four equal teams that will compete in pool play against the other A2 program teams.
The athletes were selected via the U.S. Women's National Volleyball Team Open Tryouts held Feb. 22-24 at the U.S. Olympic Training Center in Colorado Springs, Colo. The tryout attracted a record 240 participants, 33 more than the previous best mark set in 2012. Athletes selected to both the A2 program and the U.S. Women's Junior National Volleyball Team (WJNT) could only participate in the WJNT program with the 2013 FIVB Volleyball Women's Junior World Championship as the priority event.
Name (Position, School, Hometown, 2013 College Eligibility Remaining)
Carly Cramer (L/DS, Purdue University, Martinsville, Ind., 1)
Kristen Hahn (L/DS, Iowa State University, Cedar Rapids, Iowa, 1)
Annemarie Hickey (L/DS, University of Wisconsin, Oswego, Ill., 1)
Veronica Lewis (L/DS, University of Arizona, San Jose, Calif., 2)
Kori Moster (L/DS, Michigan State University, Cincinnati, Ohio, 2)
Ellen Mullins (L/DS, University of Tennessee, Nashville, Tenn., 1)
Caitlin Welch (L/DS, University of Louisville, Louisville, Ky., 1)
Middle Blockers
Name (Position, School, Hometown, 2013 College Eligibility Remaining)
Simone Antwi (MB, University of Florida, Fairfax Station, Va., 3)
Adreene Elliott (MB, University of Maryland, Winston-Salem, N.C., 2)
Casey Hinger (MB, Cal State Northridge, Fullerton, Calif., 2)
Kierra Jones (MB, Purdue University, Fishers, Ind., 2)
Litara Keil (MB, Loyola Marymount University, Long Beach, Calif., 2)
Kathryn LeCheminant (MB, Brigham Young University, Layton, Utah, 1)
Alexis Mathews (MB, Michigan State University, Detroit, Mich., 1)
Brooke Mattingly (MB, University of Louisville, St. Henry, Ohio, 1)
Zoe Nightingale (MB, UCLA, Sacramento, Calif., 2)
DeLaina Sarden (MB, University of Central Florida, Lawrenceville, Ga., 2)
Ariana Williams (MB, University of Oregon, Riverside, Calif., 1)
Courtney Windham (MB, University of North Texas, Houston, Texas, 1)
Outside Hitters
Name (Position, School, Hometown, 2013 College Eligibility Remaining)
Ellen Chapman (OH, University of Wisconsin, Glenview, Ill., 2)
Kimberly Dahl (OH, Brigham Young University, Pleasant Grove, Utah, 3)
Victoria Hurtt (OH, Iowa State University, Kansas City, Mo., 2)
Maddy Klineman (OH, UCLA, Manhattan Beach, Calif., 3)
Kaitlyn Leary (OH, Ohio State University, Parma, Ohio, 1)
Kathleen Luft (OH, Loyola Marymount University, Thousand Oaks, Calif., 1)
Shar Manu-Olevao (OH, University of Hawaii, Honolulu, Hawaii, 3)
Morgan Odale (OH, University of Utah, Star, Idaho, 1)
Chelsey Schofield (OH, University of Utah, Provo, Utah, 2)
Taylor Simpson (OH, University of Colorado, Colorado Springs, Colo., 2)
Nicole Walch (OH, Florida State University, Stuart, Fla., 3)
Lauren Wicinski (OH, Michigan State University, Geneva, Ill., 1)
Ashley Wittman (OH, University of Minnesota, Shakopee, Minn., 1)
Name (Position, School, Hometown, 2013 College Eligibility Remaining)
Ashley Battle (Opp, Virginia Tech, Apex, N.C., 4)
Mackenzie Bigbee (Opp, Iowa State University, Williamsburg, Iowa, 3)
Whitney Billings (Opp, University of Kentucky, Helena, Ala., 1)
Annie Drews (Opp, Purdue University, Elkhart, Ind., 3)
Moneshia Simmons (Opp, Clemson University, Buford, Ga., 1)
Valerie Nichol (Opp/S, Purdue University, Normal, Ill, 2)
Chantale Riddle (Opp, University of New Mexico, Roswell, N.M., 2)
Name (Position, School, Hometown, 2013 College Eligibility Remaining)
Deedra Foss (S, Colorado State University, McKenna, Wash., 2)
Hannah Johnson (S, University of New Mexico, Longview, Wash., 3)
Elizabeth Koberstein (S, Marquette University, Madison, Wis., 1)
Hannah Kvitle (S, University of Louisville, Quincy, Ill., 2)
Mackenzie Dagostino (S, University of Maryland, Tampa, Fla., 3)
Hannah Tedrow (S, Loyola Marymount University, Foothill Ranch, Calif., 3)
Courtney Thomas (S, University of Wisconsin, DeKalb, Ill., 2)
Rainette Uiato (S, University of Hawaii, Long Beach, Calif., 1)


text:
This time of year, a young person's thoughts naturally turn toward heading back to school. At DRC, all of our dolphins, including our youngsters, enjoy learning new behaviors and games all year long. Cayo, Ras, Jax, Gypsi and her mother, Tursi, wish you an interesting, successful year in your studies. Remember -- you're never too young, or too old, to have fun learning!
Thursday, August 28, 2008
Back to School
This time of year, a young person's thoughts naturally turn toward heading back to school. At DRC, all of our dolphins, including our youngsters, enjoy learning new behaviors and games all year long. Cayo, Ras, Jax, Gypsi and her mother, Tursi, wish you an interesting, successful year in your studies. Remember -- you're never too young, or too old, to have fun learning!
Posted by The DRC Family at 3:14 PM 0 comments
Labels: dolphin babies, dolphin research center
Friday, August 22, 2008
DRC Survived Tropical Storm Fay!
We're happy to report that everyone at DRC -- whether they live in water or on land -- survived Tropical Storm Fay.
Winds at DRC hit gusts of up to 70 MPH with rainfall that reached 7" with an expected 2" to 4" additional over the next day or so. We got lucky with Fay and the structural damage was minimal - this time. The damage to our facilities included many downed tree limbs and damage to plants and bushes. As the clean up efforts move forward more structural and ground damage may become apparent.
The bad news is that though our expenses continued, we lost all income for two days from admissions, gift shop sales, swims and other interactive programs. Our visitors' safety is of paramount importance to us. Therefore, when Monroe County called a mandatory visitor evacuation, DRC closed our doors. Past evacuations have always resulted in a loss from both those who left the Keys and from those who will now cancel their upcoming plans.
On behalf of everyone at DRC we would like to thank the caring individuals who know how this impacts us and have already contacted with concern and financial help to get us through this period.
If you'd like to assist, how about becoming a virtual visitor to DRC today? Just click here and enjoy a virtual visit along with the great feeling that you are helping to keep DRC going despite Tropical Storm Fay's attempt to keep us closed.
Regardless of losses the most important thing is everyone is safe! Thank you for your thoughts, your concerns and the financial help you've provided DRC. Once again, you have all shown that the DRC family is an extremely caring and thoughtful group of people!
Posted by The DRC Family at 8:36 AM 0 comments
Labels: dolphin research center, dolphins, Tropical Storm Fay
Tuesday, August 19, 2008
Life's a Game & Everything's a Toy!
Recently, a coconut rolled into the front lagoon and shortly afterward drew the attention of the three youngsters living there -- Ras, Gypsi and Jax.
Although it sure was different than any of the balls they've played with before, the "kids" quickly got their game on. Gypsi swam around on her back, holding it in her pectoral flippers. Ras decided to jump over it a few times. Jax observed the antics, carefully inspecting the new object.
What fun to be a young dolphin!
Posted by The DRC Family at 11:56 AM 0 comments
Labels: dolphin babies, dolphin research center, dolphins, florida keys
Thursday, August 14, 2008
DRC Connections Around the World
One of the current Research interns recently applied for an intern position to assist with a humpback whale study in Australia. As it turns out, the person to whom she applied, and who eventually accepted her for the position, is a former DRC Research intern from 2004 who is a PhD candidate at the University of Queensland!
This reminded us that DRC might be located in the Florida Keys, but we have connections with people around the world. DolphinLab students continue to pursue their studies. Numerous interns who spent months at DRC gaining valuable knowledge and experience have gone on to work within the fields of marine mammal care, training and research. Many of our trainers explored new avenues in their careers by taking jobs at other facilities, or in related fields, around the country. We're fortunate that many of them keep in touch so we know how they're progressing with their individual careers.
Let's not forget our family of members and donors who live in every state, and numerous foreign countries.
Then, of course, there are the daily visitors to Dolphin Research Center. On any given day, you can stroll the grounds and hear families excitedly greeting the dolphins in German, French, Spanish, Dutch, Japanese, or other languages. Even the ones who speak English might sound a little different to the dolphins, with their British, Irish, Scottish, Welsh or Australian accents.
It's like DRC is our own little United Nations – People from nations around the world united in their love of, and fascination with, dolphins!
Posted by The DRC Family at 11:53 AM 1 comments
Labels: dolphin research center, florida keys, travel
Thursday, August 7, 2008
DRC Gets Corny!
DRC's Gift Shop constantly looks for products that are good for the environment. We recently began carrying a line of goods that are made from corn! Corn is a terrific natural, biodegradeable, and renewable resource. This usage does not take a valuable product away from the country's food supply. The type of corn used is field maize, and would not have been used for human consumption. Many farmers are adding this to the crops they grow in order to generate additional income.
The number of products made from corn plastic is amazing. Up above are pictures of a few that you'll see in our Gift Shop, or online!
The commuter cup is solid and keeps your morning coffee or tea warm for your trip to work.
When you're ready to begin shopping for school supplies, slip a pen and ruler made from corn plastic into your backpack – and spread the environmental joy with your fellow students.
Interested? Click here to visit our online Gift Shop.
Posted by The DRC Family at 10:35 AM 0 comments
Labels: corn plastic, dolphin research center, dolphins, environmental products


text:
Imposing a Narrative StructureBy CIOinsight
Expert Voice: David Gelernter on Knowledge Management
It's an old story: Researchers at Xerox Corp.'s Palo Alto Research Center developed the basic elements of the personal computer graphical user interfacethe desktop analogy, the mouse, multiple windows and moreback in the 1970s.
It was first commercialized in 1984 by Apple Computer Inc. in the form of the Macintosh, on which Microsoft Corp. based the desktop analogy for its now ubiquitous Windows operating system. The upshot: Computer users are still heavily dependent on a 30-year-old technology. Aren't there alternatives?
One technologist who believes fervently in alternatives is David Gelernter, a professor of computer science at Yale University and a cofounder and chief technologist at Mirror Worlds Technologies Inc. Gelernter and his team have developed a software program intended to revolutionize how personal computers save and display information.
The goal: to present all informationword-processing documents, e-mail, pictures, music, everythingas a stream of time-ordered files that can be reorganized instantly into substreams by topic.
Executive Editor Edward H. Baker recently chatted with Gelernter about the technological and philosophical basis for his software, and his belief that the computing public is being shortchanged by the myopic views of today's post-Internet IT industry.
CIO Insight: The software your company has developedradical as it isis usually lumped into the category of knowledge management. Why does knowledge management need to be revamped?
Gelernter: I think the field of knowledge management is struggling to express the fact that it wants to move up an entire conceptual level from where conventional software has pegged it. It doesn't want to deal with traditional operating system ideas of files or even applications or dataor for that matter, information. All this is irrelevant. People want to connect directly at a higher level to the knowledge or the information that defines their lives, and they don't want to be boxed in by an operating system or any particular machine.
In thinking about the term "knowledge management," how do you distinguish between information and knowledge?
Well, it's really an artificial distinction. I think information and knowledge were seized on as an alternative to data and the data processing view of things. But if there is a distinction between information and knowledge, knowledge is supposed to be something at a higher level. Knowledge implies context. You can't have an isolated little tidbit of knowledge. You've got to understand what it's part of, you've got to have some idea of the big picture.
If I'm researching some topic and I come up with 147 isolated tidbits or news stories on Nexis or in e-mails or whatever, in no particular order, I have a bag of random information. But if I take those 147 bits of information and arrange them into a big picture so I understand that first this happened and then that happened and this led to this and then this happened in consequence and in the future we're expecting that, if I arrange those 147 bits and pieces into a narrative or a story that gives me some context, some feel for the big picture, then I've graduated to knowledge.
And yet no one's proposing to call this the Knowledge Age.
No, they sure aren't, and it's a striking fact. If you read the newspapers and see the unfolding story of U.S. intelligence agencies, for example, we are supposedly in the Information Age, and in some ways we are fantastically badly informed. And the reason we're badly informed is that we keep failing to put two plus two together. We keep failing to see the big picture. That's the story of Sept. 11 that emerges as we hear more and more tidbits of information that the FBI had or the CIA had, and the catastrophic tragic failure to put these pieces together and to see the big picture.
These are big issues, but I think many people have this kind of experience on a daily level as we get hit by stuff all the time at a higher and higher rate. We're like asteroids getting showered by little space fragments. I think lots of people have the feeling that it's no gain to them to be hit by more little tidbits and fragments and jagged packages of information if they don't know the big picture, if they can't add it up, if they don't see where it's leading, if they don't understand the story line.
Yet ironically, we have the wrong information structures, the wrong knowledge structures, so increasing the amount of data makes us worse and not better informed, because we're buried under more and more stuff and we have less time to put the pieces together, we have less time to think about it, we have less time to mull over the big picture and let it emerge.
Yes, no one is calling this the Knowledge Age. I think the nation does not feel well informed. I think businesses don't feel well informed. I know individuals don't feel well informed. And it's remarkable that more people aren't asking themselves, "Why is it that in this day and age, when we have access to more data by orders of magnitude than we've ever had before, why don't we feel better informed?"
CIO Insight recently interviewed Etienne Wenger (May 2002), who believes that corporate knowledge arises out of what he calls communities of practice. How does that fit into your view of the knowledge crisis?
I think communities of practice is one way of saying what we've all said repeatedly, which is that the idea of corporate memory or communal memorya community's joint experience or narrative or history or storyneeds to be accessible. We want to take communal memory or corporate memory away from being a sort of vague, poorly defined idea. We want software to support that idea directly.
There's a lot of informationor in a broader sense, a lot of wisdomin any company's experience or university's experience or department's experience. Mirror Worlds Technologies is a company that's done a bunch of things and learned things and built things and so forth. That's true of the Yale Department of Computer Science and a million other communities and organizations.
Yet we still treat that collective experience and wisdom as a kind of footnote, a negligible commodity that you can use to the extent you can remember it, that new people don't have any access to, that comes and goes as staff come and go. Instead, we should be able to treat it as a fundamental resource and maybe the most important asset that any organization has. And we want to see it. I want to see it as a tangible thing. I want to see it as a narrative on screen, and I want to be able to follow it, and I want to be able to find out what this organization was doing last year at this time, and I want to know what this organization is planning to do next month.
Imposing a Narrative Structure
Imposing a Narrative Structure
Why is a narrative structure so important to this process?
We were looking for the bottom layer, the fundamental organizing principle, and we wondered: Should it be a tree, like in a standard file system hierarchy? Should it be hypertext, that is, a random network? Should it be a bag with no particular order at all? All those seemed wrong. Instead, it seemed that the fundamental structure of life was a good basis for building any kind of knowledge or information system.
We wanted information to be arranged the way life is arranged, and life is a narrative. There's no way to live except moment by moment. Every human being has the experience of going from one moment to the next to the next, living a timeline with a past, present and future. That's the universal skeleton key to how experience is organized and how memory is organized.
If your information is stream structured, you've got to at least consider the possibility of treating the past as something you can deal with rather than unknown territory. You've got to consider the possibility of history. You've got to consider the possibility that time passes, things change, the world evolves. You've got to consider the possibility that this is not a static world. We aren't fixed in the present, it's not always going to be this way, it didn't always used to be this way. Things change, things happen, things evolve.
Yet user interfaces have always been thought of in spatial terms, using the computer monitor to represent information.
Absolutely. Yeah, that's exactly the way they're thought of. The idea of the desktop interface with its windows and icons and so forth is, of course, an electronic version of a physical desk, which is a little piece of space, and I put stuff here and stuff there. And people think of a tree of files, I mean, a tree is an object in space, and they think of a file tree or hierarchy as a kind of quasi-spatial structure.
And as far as we're concerned, that was the inevitable way to get started in information management. It's like when people began thinking about flying: The natural way to fly was to build an artificial bird, just as the natural way to organize information on a computer was to build an electronic office with a file cabinet and a desktop. But it turned out that an artificial bird was the wrong way to make to an airplane, and that airplanes have their own rules.
And we believe that an artificial office and artificial file cabinet and artificial garbage can and desktop and so forth was an obvious first guess but not the right way for information to be organized on a computer, and that a narrative or a time stream, which makes perfect sense intellectually or cognitively, may not work in a paper office, but it does work when we have the software to make it happen.
Applying a Narrative Sequence
to Healthcare">
Applying a Narrative Sequence to Healthcare
Can you think of a thorny problem that might logically be reduced to narrative sequence?
Surehealthcare. Here's how the vast majority of people deal with a doctor: The doctor sits down and he's got a folder, and that folder is a heterogeneous bunch of notes and X-ray images and copies of prescription forms and lab test results. It's absolutely clear that the first step in putting medical records online has got to be based on that folder.
I've got to be able to open that folder up andworking from the bottom because it's arranged chronologically, like a streamtake the oldest document and scan it in, take the second oldest document and scan it in, and so forth. Just feed each item in the folder into software.
And what do I want to have happen to it? I want it to turn into a stream because this is a chronological record of my encounters with this particular doctor, and it's heterogeneous. I've got to be able to deal with handwritten stuff, so I'll look at that in the form of images. And I've got to deal with X-ray images as well, and so forth. Anything more complicatedsay, translating everything in that folder into a certain database formatis never going to be launched because it's just too expensive. It's too hard, and it's too massive an issue.
If I deal with three doctors, or whatever my medical world consists of, I have access to three streams. I can shuffle them together, and that's a medical record. That's a first step, and in many ways I think it'll be a very useful step toward ending the discussion about formats and saying we'll use the current format and put it online in the obvious, natural, intuitive, neutral way.
But then there are questions about controlling access to this and how to make parts of it available. I may want one doctor to see the whole thing, but the insurance company may only need access to certain parts of it, and so forth. I can do that automatically by saying, "Permission all documents of this sort to the insurance company."
And that way, instead of preparing a separate database or a separate presentation for the insurance company, the insurance company just looks at my stream when it needs to deal with my case. The insurance company has access to everyone's stream, but only a limited view, only the parts I've chosen to permission to it.
So, ultimately, I control my medical records. That's another aspect of medical records that the online effort hasn't really grasped: Ultimately, my medical records belong to me. They're not the private property of the hospital or the insurance company. They're my records and control ultimately needs to be in my hands.
Changing Traditions
Changing Traditions
Why are we still stuck in the old ways?
What I see in the technology world is more continuation of the habit of going back to old solutions and making them more complicated and adding new features and squeezing them harder rather than considering the possibility of what can we do differently now that computers are so much more powerful than they used to be. Do we still have to do what we were doing in 1984 [when the Macintosh was introduced], or can we do things differently?
Technologists are by and large wedded to different varieties of spatial organizations. Whether it is flogging the hypertext model, or going back to the distributed object file system model that we heard so much about in the late 1980s and early 1990s, or talking about search engines and search engine technology, which has been a big issue throughout the 1990s. Or working in the conventional hierarchical file system in desktop GUI environments. Or asking questions like: "What has Apple been doing in the online context? What interesting new gimmicks can we add? How can we accommodate audio stuff, how can we accommodate video material? What new categories, what new special applications, what new gadgets and gizmos and features can we add to the new release?"
The problem is that nothing ever changes. Instead of reorganizing, instead of simplifying, instead of streamlining what we've got, we just add more paper to the pile and the pile totters higher and higher. I think the trends and currents that technologists seem to hit on today are retreads.
And there are more and more separate, hermetically sealed technical communities within the technology world, and it leaves the nontechnical user increasingly badly served. My desktop computer has all kinds of power that no one is doing anything with because the software hasn't changed in any basic way for almost two decades. And we get more and more elaborations and fancy features and technical details in applications that really don't do what I need to have done.
You can see this in the bad relationship between the public and technology. I think people are intimidated by technology, but they don't want to say it. I think there's very little enthusiasm or excitement out there in the world of users of new computer technology, and that's very different from what it was like five years ago.
The industry has managed to kill off a tremendous wave of excitement and enthusiasm and interest by its complacency and its unwillingness to broaden its focus and think about what actual users need from their computers as opposed to what great new features can be added to this already grossly overfeatured software package.
There are certainly some technologists who are interested in a design approach, who care about making things simpler and more powerful and better rather than just revisiting golden oldies again and again. But I think they're still a small minority, and I think it's too bad. I know it will change, but I don't think it's changed a lot yet. Desktop computers are still new, and we still don't know what role they're really going to play. They're like the airplane in the late 1920s, years before anything like a modern airplane design had emerged. That's where we're at in the evolution of desktop computing.
David Gelernter is chief scientist at Mirror Worlds Technologies Inc. and a professor of computer science at Yale University. He has written numerous books and textbooks on computer science, aesthetics and cultural history, and his articles have appeared in The Wall Street Journal, The New York Times, The Washington Post, Commentary, ARTNews, National Review, Time magazine and others.


text:
The median retirement account balance for all working-age households is just $3,000, according to a research report from The National Institute for Retirement Security. For households near retirement, the median balance is just $12,000.
That includes all households, including those who haven't saved anything. The median balance among working-age households who do have a retirement account is $40,000, while those closer to retirement have a median balance of $100,000.
NIRS hosted a webinar on Thursday detailing the results of its report, "The Retirement Savings Crisis: Is It Worse Than We Think?" The report used data from the Federal Reserve's 2010 Survey of Consumer Finance to determine how well Americans are saving for retirement and what still needs to be done.
"Retirement anxiety is running high and retirement confidence is running low," Diana Oakley, executive director for NIRS, said on the webinar. According to opinion research gathered this year by NIRS, 85% of respondents are concerned about retirement, and 55% are very concerned.
Oakley noted that with the defined contribution system, it's hard for participants to identify how they're doing in terms of saving for retirement, and few think it will get easier. Only 2% of respondents said preparing for retirement would be easier in the future, Oakley said.
Consequently, "there's been an emphasis on rules of thumb," she said. "Participants want easy advice."
Access to workplace retirement plans is at its lowest level since 1979, Oakley said. The report found 48% of Americans have no job-based plan. Furthermore, while fewer people have access to a retirement plan, the "retirement income security provided by such plans has also diminished," according to the report. In 1998, 27% of workers had a DC plan only, rising to 58% in 2010. In fact, the 55-to-64-year-old cohort is the last to have a defined benefit plan in significant numbers, Oakley noted.
More than 38 million Americans, or 45%, have no retirement assets, NIRS found. Among those near retirement, more than 40% have saved nothing.
The report found those who do have retirement accounts tend to be better off. Median income for households with retirement accounts was over $76,000, compared to $30,000 for households without accounts. Nine out of 10 households in the top income quartile have retirement accounts, compared with about a quarter of those in the lowest quartile.
About 80% of all households have saved a total smaller than their annual income for retirement. More than 60% of those near retirement have less than a year's income, including 31% who have saved nothing. Less than 3% of all households have saved four times their income or more.
The report referred to benchmarks from Fidelity and Aon Hewitt that recommend Americans save between eight and 11 times their income for retirement. Fidelity recommended workers increase their multiple by one every five years—a 35-year-old should have a year's income, while a 65-year-old should have saved seven times their income. Aon Hewitt recommended savers reach 11 times their income by age 65.
NIRS studied savings data to find how many households met these benchmarks based on several measures. When looking at just the retirement assets of a household, including workplace plans, IRAs and pensions, 90% did not meet the recommended benchmark. Looking at total financial assets, which includes retirement assets as well as checking and savings accounts, stocks and bonds, and life insurance policies, 84% of households fall short of the benchmark. Even with the most generous measure of total net worth, which adds home equity to the count, 65% of households fall short. Furthermore, the report noted that some factors that contribute to net worth, like college funds or medical savings, aren't intended to serve as retirement income.
"The current retirement saving system is not working for most households," Nari Rhee, manager of research for NIRS and author of the report, said on the webinar. "The truth is, many will work longer, but the gap is so big, families won't be able to fill it on their own."
To help improve retirement outcomes for Americans, Rhee recommended three strategies: strengthen Social Security; improve access to retirement plans, especially among low- and middle-wage workers; and help low-wage workers save.
"Despite the tenor of policy debates in D.C., surveys have found public support" for protecting Social Security, Rhee said. NIRS referred to a report by the National Academy of Social Insurance found "strong public support" for expanding Social Security benefits and increasing revenues in order to continue the system. Pew Research Center found in April that more than half of Americans said keeping Social Security and Medicare benefits at their current levels was more important than cutting the deficit.
To improve access to retirement plans, especially among low- and middle-wage workers and small business employees where access is lowest, Rhee suggested looking at products like automatic IRAs and hybrid models like those suggested by Sen. Tom Harkin.
With automatic IRAs, employers who do not provide a retirement plan would automatically enroll their workers in an IRA with a default contribution rate. Individuals could opt-out, and investment risk and funding the IRA would be their own responsibility, although some proposals feature risk sharing and other pension-like benefits, according to the report. The proposal put forth by Sen. Harkin for USA Retirement Funds combines DC and DB features like risk sharing, pooled investments and lifetime income that could bridge the gap in the current workplace retirement saving system.
There's also some state-level action to increase retirement security, Rhee said, like a bill passed in California last year that would create an automatic IRA with some hybrid features.
Finally, Americans simply need to save more. "The majority of American households will not be able to maintain their standard of income" when they retire, Rhee said. Low-income households are in particular need of help saving. Because they have low marginal income tax rates, they're less likely to take advantage of tax deductions for contributions to retirement plans, according to the report.
The Saver's Credit, which was enacted in 2001, reduces the income tax liability on the first $2,000 of contributions to a qualified account by between 10% and 50%. Those with the lowest incomes can take a higher credit. However, the Saver's Credit phases out for incomes higher than $29,500. NIRS found the average credit in 2006 was just $172. Rhee suggested expanding the Saver's Credit to give low-income households more incentive to save.
"You don't know you're in a hole until you start to measure," Oakley concluded. "These are estimates—blunt measurements—but when you look at what we need, we're about $11 trillion short. Publicly held debt is roughly the same size as what we as individuals need to save for retirement."
Check out Americans Would Pay Higher Taxes to Preserve Social Security on AdvisorOne.


text:
I have the following games for sale to anyone interested. Preferably the lot all together and happy to take offers.
World of Warcraft - original
WoW - Burning Crusade
WoW - Lich King
WoW - Cataclysm
Neverwinter Nights - original
NWN - Shadows of Undrentide
NWN - Hordes of Undrentide
The Sims Complete Collection - original
The Sims 3
The Sims 3 - Dragon Valley
Diablo 11 - original
Diablo 11 Expansion - Lord of Destruction
Icewind Dale
Space Colony
Terry Pratchet's Disc World
Myst - Riven
Journeyman Project 3 - Legacy of Time
The X Files
Vampire The Masquerade - Redemption
Wrath of the Gods
Old Mac games
Started by Dread Damsel, Mar 26 2019 11:52 PMmac games
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