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Access Hollywood: Detailing A Hollywood Mogul's Connections To The White House
from the modern-politics deptThere's been plenty of talk about how the Democratic Party is strongly supported by Hollywood -- and MPAA boss Chris Dodd famously threatened politicians that Hollywood might not fund their campaigns if they didn't support SOPA. So it's quite interesting to see Mother Jones' detailed analysis of Hollywood mogul Jeffrey Katzenberg's strong support of President Obama's last campaign. There's a lot of nuance in there, so this is not just a case of clear tit-for-tat political funding in exchange for political favors. The article states multiple times that Katzenberg doesn't really seem that focused on getting anything back for his efforts and money.
Katzenberg has said he wants nothing, personally or professionally, in exchange for his support of the president, and DreamWorks' DC agenda is hard to glean: The studio has no lobbyists and is not part of the Motion Picture Association of America (MPAA).Later in the article, it notes that Chris Dodd asked Katzenberg to speak to Obama to find out his stance on SOPA in January of 2012, which was "mortifying" for Dodd, since Dreamworks is not a member of the MPAA. Katzenberg, who did support SOPA, still refused Dodd's request, but then did help to "soothe the egos" of other studio heads after Obama came out against SOPA, to make sure they kept funding him. As the article notes: "In the end, Katzenberg chose to help Obama win over his industry rather than helping his industry win over Obama."
Obama officials say they respect Katzenberg not only for his fundraising, but also because he has no specific "ask"—no ambassadorship to Switzerland, no regulatory tweak, no nights in the Lincoln Bedroom.While that's good, the article does make clear two things: (1) even if he's not asking for anything specifically, he does have incredible clout, (2) the administration seems to want to keep wider Hollywood happy anyway, knowing that it will keep Katzenberg happy. In other words, even if Katzenberg's own motives are entirely pure, the possibility of policy pandering to him and his friends is high.
Obama takes Katzenberg's calls, and he and his political adviser, Andy Spahn, visited the White House almost 50 times between them during Obama's first term. (Not all of Spahn's visits had to do with Katzenberg.) It has also left him well positioned to advocate for his industry's and his company's interests in China's booming film market.And, of course, lots of Democratic politicians now want to curry favor with Katzenberg and his friends, whether or not he asks for it.
Adds Paul Begala: "Every Democrat who has presidential ambitions is now going to beat a path straight for Jeffrey's door. Or they're too dumb to be president."The end result, of course, are favorable deals even if they don't ask directly.
Yet it is hard to deny that he—along with Hollywood as a whole—has benefited from his connections. In the 2012 fiscal-cliff fight, for instance, the White House insisted Congress preserve a $430 million tax break for film studios that keep production jobs in the United States.But, the much bigger deal, as the article explains, is how the administration, led by Joe Biden (of course), has helped clear the way for the Chinese market.
In July 2011, ahead of a trade visit to China, Vice President Joe Biden met with industry leaders who asked him to press their case. Biden, too, returned empty-handed. Seven months later, Xi Jinping, then China's leader-in-waiting, made his first official visit to America. On hand to greet him was Katzenberg, who scored a seat next to Xi at a State Department luncheon.Having the VP of the US personally negotiate a huge deal like that for you is certainly a nice side benefit.
Later that week, Xi and Biden traveled to Los Angeles, and Katzenberg joined them for lunch with Gov. Brown. Biden spent the day pushing Xi on the film quota and profit sharing disputes. The White House wanted to bump the studios' portion from 13 percent to 27 percent, but as the negotiations intensified, Biden asked Katzenberg and Disney CEO Bob Iger what they could live with. Then Biden made Xi a new offer: 25 percent. Xi agreed, and he also said China would let in 14 more foreign-made 3-D and IMAX movies each year.
Katzenberg was simultaneously working on a $350 million deal to open Oriental DreamWorks, a new animation studio in Shanghai—and it couldn't happen without Xi's approval. That same day, at a US-China economic forum held at a downtown LA hotel, Katzenberg officially unveiled the project—and proudly announced that it now bore Xi's personal endorsement.
There's a lot more in the profile, which is really worth reading in full. It seems pretty clear that, unlike some who donate heavily, it really doesn't seem like Katzenberg is funding Obama because he wants something back directly, but rather because he believes in Obama himself. But what's most interesting to me is that, even if that's the case, the end results are almost still the same thing. Even without specific policy desires or asks, because of the money on the line, politicians (especially those vying for that money in the future) often feel they need to heed the general desires of the industry in order to keep that money flowing. That, alone, at least gives the appearance of corruption. Or, as Larry Lessig has called it repeatedly, "soft corruption." It's not the out and out bribery that many people think, but rather the overall set up that generally incentivizes behavior in the direction that favors the funders, even if it's at the expense of the public.
Of course, in the end what this comes down to, as always, is the issue of money and politics, and how it turns a democratic process into one in which those with more dollars have a lot more power and say. And that's still a big problem.
Filed Under: china, corruption, democrats, funding, hollywood, influence peddling, jeffrey katzenberg, lobbying, money in politics, politics, president obama, soft corruption, sopa
Companies: dreamworks, mpaa


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Neuberger Berman was knocked around more than most asset managers in the treacherous seas of the 2008 financial crisis. The 73-year-old firm had only recently been lashed to Lehman Brothers when the investment bank foundered and ultimately failed. Buyout firms proposed a lifeline, but they fell short as the financial crisis deepened, leaving Neuberger's leaders to improvise an employee buyout during the most punishing financing environment in memory.
Yet, four years later, Neuberger is freshly invigorated and focused on the essentials in the way disaster survivors tend to be. Its business is in sturdy condition, its fund performance is outpacing most peers and its strong investment culture has been affirmed.
If the new Neuberger is in some ways "a $200 billion start-up," as one executive characterizes it, it is also one of the country's premier and most deeply rooted asset managers. Roy Neuberger, a founding partner and guiding force of the firm, died just two years ago, at the age of 107. Until he was nearly 100, he came into the office every day.
For all the drama Neuberger has undergone in the past 15 years -- going public in 1999 after 60 years as a partnership, being absorbed by Lehman in 2003 and then set adrift five years later -- Neuberger is in some ways now much closer to the firm that Roy Neuberger ran than it has been in years, with its focus squarely on its client base, and not on the demands of a parent company or public shareholders.
"Our mission is totally different as part of an employee-controlled partnership," than it was as a subsidiary of a bulge-bracket investment bank, says Neuberger Chief Executive George Walker. The 43-year-old Walker, a former Goldman Sachs partner, was hired by Lehman in 2006 and soon found himself steering Neuberger through Lehman's chaotic demise. His thoughtfulness -- as he listens to a question, he often closes his eyes tightly before coming up with a careful and articulate answer -- has served the firm and its customers well. "Now, unlike most competitors, we measure success by how clients, partners and employees feel about the place," he says. "It changes the pressures if you're in my seat." Rather than gunning for growth for its own sake, he can focus the firm on "being a good steward of client capital and the franchise."
The stability that has long characterized the firm is still in place. More than 95% of its 400 investment professionals from before the 2008 disruption are still with the firm; 80% have been with the firm for more than 10 years. That continuity is present in the firm's post-Lehman headquarters: Located in an unfashionable part of Manhattan, just south of Grand Central Terminal, the offices are nondescript save for pictures and sculptures from Roy Neuberger's world-class art collection around nearly every turn.
MOST IMPORTANTLY, THAT commitment shows in Neuberger's performance. More than 90% of its equity and fixed-income assets have outperformed their benchmarks over the past 10 years (as of June 30). Its mutual funds are a relatively small, though notable, part of its business; Neuberger has just $29 billion in 31 funds, though that's up about 50% since 2000. Its addition of a global asset allocation fund in 2010 made this the first year Neuberger qualified for the Barron's Lipper ranking of the best fund families: The firm finished third overall out of 58 families ("Worth the Risk," Feb. 6).
NEUBERGER'S STORIED PAST has finally found some resolution this year. In a bid to shore up capital, Lehman had negotiated a deal for more than $2 billion to sell the firm to Bain Capital and Hellman & Friedman in the summer of 2008. But the deal, which was in part contingent on the level of the S&P 500 index, fell apart when the market collapsed.
Neuberger's management quickly scrambled to put together an employee buyout, financed by a preferred stock issue with a dividend set to rise over time. The deal valued the company at $920 million. Employees garnered 51% of the firm; the Lehman estate, controlled by creditors, owns the rest.
Earlier this year, Neuberger completed a debt offering to redeem the preferred and help employees acquire increasing portions of the firm in agreed-upon phases, reaching 64% by the end of this year on the way to 100% by early 2016. A system has been created to share firm equity in a way meant to retain senior professionals and create incentives for younger generations of employees.
Neuberger is now one of the largest employee-owned asset managers, and likes to compare itself to Wellington Management, the venerable Boston firm that has nurtured an impressive investment culture while passing ownership seamlessly from one generation to the next. Based on the firm's assets and asset mix, it's probably worth at least $3 billion today.
Neuberger's time with Lehman was culturally challenging but provided it with the engines for growth it's using today. Following its founding in 1939, Neuberger was mainly a manager of private family wealth and later keeper of a smallish equity mutual fund array. In terms of cohesion, though, it was little more than an amalgam of small, semiautonomous teams of wealth advisors and portfolio managers.
The firm is now more balanced and more global, in large part thanks to the (once-) deep-pocketed and internationally oriented Lehman. Lehman acquired Lincoln Capital, a long-tenured Chicago-based institutional bond manager, and merged the firms, later adding to private-equity shop Crossroads, all the while distributing products through Lehman's far-flung global sales network.
As a result, Neuberger's $200 billion in assets breaks down as 45% equities, 45% fixed income and about 10% alternative categories such as hedge funds and private equity. By distribution channel, 55% is institutional, 25% is mutual funds sold through third-party investment advisors, and 20% is in direct private-client accounts.
NO MATTER HOW THE CAPITAL is conveyed to Neuberger, the money is managed the same, by distinct investment teams known by name rather than style-box category. A hallmark of the firm's early years, there are 40 teams, each with its own process and penchant for lively debate. Now, though, they're watched over by a central risk committee and by President and Chief Investment Officer Joe Amato, a longtime sell-side research veteran who took on his role during the Lehman interregnum.
The teams are known internally by such neighborly shorthand monikers as "The Straus Group," rather than "large-cap value" (longtime investor Marvin Schwartz's area), or even more simply, "Ann and Tom," for high-yield bond, run by Ann Benjamin and Tom O'Reilly, who have been plying speculative-grade debt management together for nearly two decades.
Neuberger's Biggest Funds
Neuberger Berman has $29 billion in 31 funds, but the lion's share—nearly 40%—of those assets are in Genesis, its biggest fund. Its roster may be small, but its funds consistently outperform.
|Fund name
|Assets ( bil)
|Neuberger Genesis
|Small-Cap Growth
|Neuberger Hi Inc Bd
|High Yield
|Neuberger Eqty Inc
|Neuberger Soc Resp
|Multi-Cap Core
|Neuberger LC Value
|Large-Cap Core
*Performance figures as of 9/30/12.
|Source: Lipper
Though the teams have often come from elsewhere or were taken on via acquisition under Lehman, they tend to share certain unifying tendencies: a true, bottom-up security-selection process, a priority on protecting principal first, and a healthy disdain for hewing strictly to benchmarks or rigid, marketing-driven style silos. Amato points out that Neuberger's heritage as a private manager for wealthy families has bequeathed an absolute-return mind-set.
The firm's most notable fund is the $11.7 billion Neuberger Berman Genesis fund (ticker: NBGNX). Run by Robert D'Alelio and Judy Vale (or "Bob and Judy") for the past 16 years, Genesis comprises nearly 40% of the firm's $29 billion in mutual fund assets. With an average annual return of 11.5%, Genesis has beaten the Russell 2000 Value index by about three percentage points a year over the past decade.
D'Alelio and Vale, who also run $2.8 billion in institutional money and separate accounts, hunt for smaller, cheaply valued stocks with a safety-first approach, privileging self-financing companies with strong free cash flow that can weather all sorts of economic environments. Once they find them, they rarely sell, which means these small-cap buyers end up holding some large companies, and their fund is currently classified by Morningstar as a mid-cap growth vehicle. They simply don't care. Nor are they shy about closing the fund to new investors when they see a scarcity of names that meet their criteria.
VALE DESCRIBES COMING TO meet Neuberger folks in 1992, while considering taking a job there. To her surprise, the group ended up "fighting and arguing" over investment ideas, relishing principled disagreement. "Everyone here is a stock junkie, and there's pride of authorship of ideas."
Neuberger hosted 1,400 meetings with public-company management teams last year, gatherings that tend to be well attended and spawn vigorous debates among Neuberger analysts and portfolio managers about the investment merits. While there is a centralized research effort, there is no "house view" on a stock that must be adopted by the individual portfolio managers.
Benjamin and O'Reilly, co-managers of $23 billion in high-yield bond assets -- including the Neuberger Berman High-Income Bond fund (NHINX) -- arrived via the Lincoln Capital acquisition, but similarly try to insulate clients from risky market environments and tack away from their benchmark when necessary. "We're a disciplined credit shop," says Benjamin. "We protect on the downside when default rates are rising and participate on the upside" as the market fundamentals improve. Like Vale and D'Alelio, the high-yield team likes to tell clients that if their funds are outperforming in a risk-on, momentum-type market phase, then they're doing something wrong and should be fired. The fund has outperformed its benchmark over the past five years by dialing down risk ahead of the '07-'08 crisis.
"A diversity of opinion makes us better investors, helps us attract talent, and makes us a more stable firm," contends Benjamin Segal, who runs Neuberger's global equity group.
Such a legacy is hardly foolproof in averting over concentrated, ill-timed bets on certain sectors, even if the various teams making those bets came to them by separate processes. Its heavy tilt toward large-cap value teams left the firm freighted with too many energy and financial stocks ahead of the 2008-'09 bear market, after which asset levels and flows suffered.
Still, Walker says that while the firm was part of Lehman, "it used to be the hot committee to be on was new products. Now it's the risk committee, which is populated by senior, skeptical people, who thinks if it's saleable it's probably not a good idea."
The firm, for example, has resisted requests to launch a thematic sector product, such as a green energy fund. Neuberger also exited the money-fund business in 2010.
Of course, the firm as a whole doesn't mind selling something new, especially when the product draws on its internal strengths and serves an evident client need. Witness Neuberger's determined push into the burgeoning "liquid alternatives" segment, where institutional-caliber hedge-fund-style strategies are wrapped in a mutual-fund package offering low minimum investments and daily liquidity.
David Kupperman, a longtime overseer of funds of hedge funds and private-equity vehicles, runs a newly launched Neuberger Berman Absolute Return Multi-Manager fund (NABCX). And Charles Kantor, a go-anywhere manager of a team, now runs Neuberger Berman Long Short fund (NLSAX), a hedged mutual fund. Year-to-date, the fund is up 11%, while taking less than half of the market risk of the S&P 500.
IT'S TEMPTING TO ASK WHETHER the evident vogue for volatility-damping absolute-return funds built to hold up in down markets but lag strongly rising ones is a matter of fighting the last war by exploiting investors' risk aversion. Yet Neuberger executives make the case that with "safe" bond investments yielding near zero, an aging investor population and squeezed pension funds, predictable return streams without major principal declines will serve an enduring purpose in portfolios.
It's also true that Neuberger leaders are not above expressing concern that some of their products might be too popular, or popular for the wrong reasons. Brad Tank, the firm's fixed-income chief, says, "The thing that's most troubling about the fixed-income environment, aside from the diminished yields and prospective returns, is the way retail [investors have] chased the market to the exclusion of everything else."
Neuberger's balance across asset classes, sales channels and regions allows it to be agnostic about where client needs and preferences drive growth, and what markets present the best growth opportunities in years to come.
Neuberger's independence and employee-ownership structure presents is a sort of test of industry's conventional wisdom, which holds that the mature, increasingly global business will come to be dominated by a handful of gargantuan firms plumbing $1 trillion or more in assets on one side, and tightly focused boutiques on the other.
And with a reported $1.1 billion in revenue last year and $261 million in profit, it has the wherewithal to continue to expand. Walker is adamant that he's not looking to go public or sell the firm.
In any case, it will no doubt remain independent until at least 2016, when employee ownership is scheduled to reach 100%.
Among the rare opportunities that being revived following a brush with extinction affords is the chance to assess a company's heritage and capabilities to formulate a fitting creed and credo. With the close guidance of Gerald Kaminsky of Neuberger's Kaminsky group, an investment advisor for nearly 50 years, management took as its mission statement, "To partner with our clients to achieve their unique investment objectives."
Not all that catchy, and bordering on bland fiduciary piety, perhaps. But Neuberger is the rare firm structured and positioned to profit only to the extent their clients thrive, free of growth-obsessed corporate masters or temporary public shareholders with other priorities.
E-mail: email@example.com

subset: commoncrawl


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We're waiting for you in Budapest. From all nationalities and backgrounds people come to experience and discover Jewish Heritage Tour and get the inside story.
First, we will visit the Dohány Street Synagogue (interior visit), which is the largest in Europe and the second largest in the world.
You also get a local guided tour in the Jewish Museum, where you see the Hungarian Jewish heritage through a unique collection of art pieces from Hungary and Eastern Europe, and the rich tradition of Judaism, its holidays and everyday life. A separate room commemorates the Hungarian Holocaust.
Beside these we visit the Martyrs' Cemetery, the Raoul Wallenberg Memorial Park with the Tree of Life and the Heroes' Temple (outside visit). After the tour it is possible to visit the Jewish Quarter Exhibition in the Goldmark Hall and the Family Research Center.
Those guests who are short of time can take the 2 hour Jewish Heritage Essential Tour. The tour includes an interior visit to the Dohány synagogue, which is the largest in Europe. With the help of English-speaking guides you will be acquainted with the most important chapters of the history and culture of the Hungarian Jewry.
Meeting time: 15 minutes before the program
The dates of the Jewish Heritage Essential Tour in English language:
From May 1st to November 30th 2017: Every day at 10 am except on Saturday
Main Stops:
Jewish Museum with local guiding
Interior visit of the Dohány Street Synagogue
Martyrs' Cemetery - Holocaust Memorial Park
Raoul Wallenberg Park
Tree of Life
Heroes' Temple – (outside visit)
Jewish Centre
We don't have tours on jewish holidays, when the great Synagogue is closed for guiding
professional guiding during the whole tour
entrance fee to the Jewish Museum
entrance fee to the Dohány Street Synagogue
entrance fee to the Raoul Wallenberg Memorial Park
entrance fee to the Jewish Centre, where you can visit the Hungarian Jewish Archiv and an audio-visual exhibition about the past of the Jewish Quarter in Budapest


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At the risk of being controversial, I'll just say it: grilling is grilling — no matter what fuel source you use.
Both involve the radiant transfer of heat from the fuel source to the food resting on a cooking grid. Drippings come off of the food, land on the heat source and sizzle and smoke. The smoke rising into your food creates barbecue flavor.
So, really, it just depends on what you like.
I like quick, convenient and fool-proof. So I like gas grilling.
Gas grills offer more control over temperature and often have options for high-temperature searing and low-temperature, indirect cooking. Many gas grills have small shrouds that shield the burners from incoming drippings to minimize flare-ups and control temperatures.
See? It's convenient, and it's quick. So gas grilling gets my personal vote. (Please feel free to battle me in the comments.)
But grilling purists swear charcoal's the only way to roll (nice rhyme, eh?). The smoky, barbecue flavor created by the drippings sizzling and smoking off the charcoal can't happen in a gas grill, they say.
And they are more simple in their essence. Charcoal grills lack the mechanical sophistication (i.e. stuff that breaks) of gas grills, such as burners, shields and igniters. They require only charcoal, meaning no mid-party trips to the store for another propane tank.
And did I mention the flavor? Apparently, charcoal grills lend a distinct flavor to their foods — especially meats.
I'm going to check out this weekend's BBQ Expo at our Edina store (across from the Galleria) Saturday. Maybe I'll be convinced that charcoal is doable. Maybe I'll just eat.
We'll be having live grilling demos 10-4 Saturday and 12-4 Sunday at all of our 7 Warners' Stellian store locations. All grills (except UMRP, like Wolf) are on sale starting Saturday. And we'll assemble it, deliver it and take an old one if you have it for free with purchase of a grill $499 and up.
You'll get $50 to Von Hanson's Meats if you buy a grill priced $599 and higher. Von Hanson's is this cool, old-fashioned meat market with expert cuts of the best quality meats. And it's local joint, so you know I love 'em already.
My friend Stu "King of the Barbecue" (he'll stop feeding me if I don't add that part) Glock says most expo-goers already have their mind made up on their fuel preference. But he also says, "You have two cars, why not two grills?" He advocates for a workhorse Holland Grill gas grill and a charcoal grill, maybe a Big Green Egg smoker grill, for when you really have some time to spend outdoors.
So comment away: I'd love to hear about why others like gas grills and I suppose I'd entertain some hating from barbecue purists as well 😉


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Color: Moonstone Metallic
Interior: Leather
Drive Train: AWD
Transmission: Automatic
Vin: 1G6KF5RS4GU156024
Engine: 3.6L V6 DOHC 24V TURBO
Mileage: 20,641
Stock #: M19-207
Martin Auto Gallery
Sales Dept.
1130 castle Shannon blvd
I hereby consent to receive text messages from or on behalf of dealer at the mobile phone number I provided above. I understand that I am opting in to receive text messages from dealer or their employees. I include consent to receive phone calls at the mobile phone number I provided. I understand that message and data rates may apply.
My daughter was interested in a 08 mini cooper that they had... Made a
call and talked to Greg about it... We had a 2 hr drive one way and Greg
made sure that the car was all ready for us when we got there. Took it
for a test drive did the paperwork and away we went!! Fastest I was
ever in and out of a dealership... No run around on the price or
anything and even had a full tank of gas that we didn't have to beg
for... I wouldn't hesitate to buy there again!! Thanks so much for a
great "first car" purchase for my daughter!!
Greg was a great salesman. They are very professional. The deal
was made and it went thru quickly.
Working with Greg at Martins auto gallery to close the deal on my
2005 Corvette was a pleasurable experience. Much thanks to all
employees at Martins to help me work through the necessary
paperwork. Also the first time experience of Gary and his partner for
driving my Corvette to my home. No other dealership
has offered to do that for me when I purchased a vehicle from them.
These guys are GREAT ... Greg our salesman was super... had vette ready
for us to test drive.... and within an hour we were heading back up
north with our new car!!! Was a challenge to find location but we
did!!!! Yes I would buy from them again... 5 STARS from me
Greg did an excellent job to do anything he could to make the deal work
for me. He was genuine, honest, and informative with all of his
responses to any questions that I chose to ask. Everyone at Martin Auto
Gallery are welcoming, making my experience pleasant and worthwhile.
Purchased a vehicle from Greg at Martin Auto Gallery 4 years ago and returned for our next one today !! Would not even consider dealing with anyone else. Quality cars, excellent service. If you want a zero pressure, educated car-buying experience, this is your destination. He gave us the price we expected for our trade-in, took care of every small detail and tied up the financing in a neat little bow. Boom. Out the door. Thanks for another great car, Greg !!


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Red Sox announce roster moves
BOSTON, MA - The Boston Red Sox announced the following roster moves after the first game of today's doubleheader against the Rays:
BOSTON, MA - The Boston Red Sox announced the following roster moves after the first game of today's doubleheader against the Rays:
- Right-hander Clay Buchholz was placed on the 15-day disabled list (retroactive to June 9) with a neck strain. To fill his spot on the 25-man roster, catcher Ryan Lavarnway was recalled from Triple-A Pawtucket.
- Catcher David Ross was placed on the seven-day concussion disabled list. To fill his spot on the roster, right-hander Alex Wilson was recalled from Pawtucket.
Both Lavarnway and Wilson are expected to be available for the second game of today's doubleheader against the Rays at Fenway Park at 8:05 p.m.
Executive Vice President/General Manager Ben Cherington made the announcement.
Buchholz, 28, has gone 9-0 with an American League-leading 1.71 ERA (16 ER/84.1 IP) in 12 starts for Boston this season. The Red Sox have an 11-1 record in his starts in 2013. Buchholz last pitched on June 8 against the Los Angeles Angels of Anaheim.
Lavarnway, 25, returns to the Red Sox for his third major league stint of the season. In three games for Boston this season, he has hit .250 (2-for-8) with 2 RBI. In 38 games for Pawtucket this season, he has hit .261 (36-for-138) with nine doubles, three home runs and 21 RBI.
Ross, 36, was also on the seven-day concussion disabled list from, May 12-24. He originally experienced concussion symptoms after taking a pair of foul balls off his catcher's mask on May 11 against Toronto. In 23 games for the Red Sox this season, he has hit .185 (12-for-65) with two doubles, four home runs and six RBI.
Wilson, 26, will begin his third stint with Boston this season. In 17 appearances out of the bullpen for the Red Sox in 2013, he has gone 1-1 with a 2.61 ERA (6 ER/20.2 IP). His last major league appearance was last Thursday at Baltimore. In eight games for Pawtucket, he is 1-1 with a 4.22 ERA (5 ER/10.2 IP) with three walks and 12 strikeouts.


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Royal Navy with Carrier
Royal Navy with Carrier
Gigi is a good girl. Born out of classic Southern European design, she is all class on the streets.
Dressed from top to bottom in detailed accessories, Gigi is fitted with chrome capped leather grips, branded leather saddle, LED lighting (front & back) and comes with optional upgrades including custom wooden carrier crates & walnut barrel bags.
Size (Your Height):
Add To Cart


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Cask ales
We are 100% Cask Marque accredited and serve a regular rotation of guest ales, ranging from famous nationals to regional and local ales.
We are also proud to serve a range of Greene King cask ales including Greene King IPA and other seasonal ales.
Ask a member of the team what we are pouring today.
10% off for CAMRA members
The Campaign for Real Ale (CAMRA) was formed in 1971 and now has over 190,000 members. By joining, you can help promote the joys of real ale and protect the great British pub
Craft beer
Craft beers offer a wide variety of interesting and complex flavours for you to enjoy. Which will you try first?
Blue Moon | 330ml 5.4%
BrewDog Punk IPA | 330ml 5.6%
Brooklyn Lager | 355ml 5.2%
Meantime Yakima Red | 330ml 4.1%
Hop House 13 | 330ml 5.0%
Craft Academy Over Easy IPA | 330ml 3.8%
We serve a wide range of both draught lager and bottled beers for you to enjoy. From firm favourites like Carling and Foster's, our draught range also includes:
Peroni | 5.1%
Stella Artois | 4.8%
San Miguel | 5.0%
Pravha | 4.0%
Ask one of our team for our availability.
We have a whole host of new refreshing flavours available.
Kopparberg | 500ml 4%
Ask a member of our team for our full range of Kopparberg flavours.
Orchard Pig Reveller | 500ml 4.5%
Thatchers Haze | 500ml 4.5%
Brothers Rhubarb & Custard | 330ml 4%
Low or no-alcohol
Designated driver or just fancy something a bit different? Never miss out on great tasting tipples with our extended range of low and no alcoholic beverages.
Kopparberg Mixed Fruits Cider | 500ml 0%
Beck's Blue Lager | 275ml 0%
Heineken 0.0 Lager | 330ml 0%
Peroni Libera 0.0 | 330ml 0%
Old Speckled Hen Low-Alcohol
Crafted by the master brewer of 'Old Speckled Hen', this refreshing low-alcohol beer is evocative of the nation's favourite premium ale but with 54% fewer calories 500ml 0.5%
White Wine
Sauvignon Blanc, Viña Albali Low-Alcohol, Spain
Fresh and zesty Sauvignon full of ripe citrus fruits 0.5% 187ml Bottle £3.49
Red Wine
Cabernet Tempranillo, Viña Albali Low-Alcohol, Spain
A fruity blend of Cabernet Sauvignon and Tempranillo, full of red berry flavours 0.5% 187ml Bottle £3.49


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I want to share a folder of private videos with another group of viewers. Two schools are twinned with each other, and want to send and view data back and forth.
To allow every child to see every video, is hosting it in my Dropbox folder the best method?
I had considered:
YouTube 'non-public' videos (only those with the link can view them; disadvantage is one link needed for every single film)
E-mailing the videos (silly idea, each is too big)
Burning a CD and posting it (drawback only one copy of lots of copies needed)
Any other sensible and zero-cost suggestions?


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Black Footballs Pattern
Sale price
$ 19.99
Regular price
- The Chrome Series is designed for everyday use.
- Made of a thermoplastic polyurethane (TPU) which makes it both light and durable.
- The borders are finished with one of three chrome trims: Silver; Rose Gold; Titanium Black.
- The 3D printed design appears handcrafted.


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The website visitor can quickly sort all listings of condos and homes for sale in Mesa AZ in 85210 zip code based upon:
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Eldrick Tont "Tiger" Woods (born December 30, 1975) is an American professional golfer whose achievements to date rank him among the most successful golfers of all time. Currently the World No. 1, he is the highest-paid professional athlete in the world, having earned an estimated $90.5 million from winnings and endorsements in 2010.
Woods has won 14 professional major golf championships, the second highest of any male player (Jack Nicklaus leads with 18), and 71 PGA Tour events, third all time. He has more career major wins and career PGA Tour wins than any other active golfer. He is the youngest player to achieve the career Grand Slam, and the youngest and fastest to win 50 tournaments on tour. Additionally, Woods is only the second golfer, after Jack Nicklaus, to have achieved a career Grand Slam three times. Woods has won 16 World Golf Championships, and has won at least one of those events each of the 11 years they have been in existence.
Woods has held the number one position in the world rankings for the most consecutive weeks and for the greatest total number of weeks. He has been awarded PGA Player of the Year a record ten times, the Byron Nelson Award for lowest adjusted scoring average a record eight times, and has the record of leading the money list in nine different seasons.


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Derek Lovitch, author of How to Be a Better Birder and blogger for Maine Birding Field Notes, has been spending all Migration Season birding and keeping track of his results. While he's always avidly posting on his Facebook page, he also recently posted to his blog to report some of his more recent findings at the Sabattus Pond.
Sabattus Pond Season-in-Review
Sabattus Pond was frozen on Monday morning, as I expected, thanks to this recent bout of unseasonably cold weather. While 35 Mallards, 3 Hooded Mergansers, 2 American Black Ducks, and 1 Mallard x black duck hybrid were present in the outlet stream, this likely brings my Sabattus birding season to a close.
But it is just after Sabattus's freeze-up that LakeAuburn is its most productive. Today, 117 Canada Geese, 58 Greater Scaup, 46 Lesser Scaup, 41 Ruddy Ducks, 22 Common Goldeneyes, 8 Hooded Mergansers, 1 Bufflehead, and 1 continuing hen Black Scoter were tallied in a less-than-exhaustive search of the large lake. The Black Scoter is a great bird inland, and she's been present for at least five weeks now. Meanwhile, among the Canada Geese, there was this funky mutt – apparently a hybrid with some sort of domestic thing.
Between visiting the two lakes, I scoured Upper Street in Turner for Snowy Owls (none) or other raptors (just one Red-tailed Hawk), but I did happen upon a small flock of 35 Horned Larks that contained two Lapland Longspurs. They were feeding at the edge of Pearl Road, taking advantage of where the plow had scraped the sides of ice and snow. I got this lucky shot of one of the Lapland Longspurs in flight with the Horned Larks. Unfortunately, the light mist and heavy cloud cover prevented a really great shot.
But back to waterfowl…
Sabattus Pond is one of my favorite birding locations from mid-October through freeze-up. The diversity of ducks is rarely matched in this part of Maine, and the proximity and ability to study birds (such as Lesser vs. Greater Scaup) is unsurpassed. Each fall I tell myself I needed to visit Sabattus more often, so this fall I committed to visiting once a week, beginning on 10/30 – I would have started a little earlier in the month, but the weather at the time had been so warm that waterfowl were not yet arriving en masse prior to the end of the month.
I tallied all waterbirds (except for Herring and Ring-billed gulls) on each visit.
On each visit, I also visited LakeAuburn, which is a much different body of water (deeper, sandier, and apparently without the invasive Chinese Mystery Snail that provides the sustenance for most of the birds on Sabattus). Note, however, that as the numbers of ducks decrease on Sabattus, they begin to increase on LakeAuburn – the last lake to freeze in the region.
I can't help but wonder if some of the birds on the lake on Monday would return to Sabattus if a warm spell opens the pond back up, and if it does, I am sure birds from points north might drop in as well as they are frozen out of lakes and rivers. In other words, the duck-watching season on Sabattus may not be over yet, but I think I will be turning my attention elsewhere unless it warms up dramatically.
Meanwhile, on all of my visits to the two lakes, I added at least a few other stops in between in the hopes of finally finding a really "good" bird in Androscoggin County (away from Sabattus, that is). Uh…nope. My only real highlights away from the two lakes were the two Lapland Longspurs on Monday. My rarity drought in AndroscogginCounty might continue, but the waterbird watching is certainly exceptional.
By the way, in a series of spring visits, I have found very, very few ducks on Sabattus Pond, for reasons unknown. Therefore, other than my annual check on Maine Maple Sunday, I'll have to anxiously await next October!
click here to see the rest of this post, including Lovitch's birding tallies for his trips
And to check out the free downloads we're currently offering, check out the links below:
Crossley ID Guide Raptors : A sampler raptor guide in PDF format including photos and real text from the guide
Quick Finders from The Warbler Guide : A 'quick finder' designed to help you identify over 50 warblers faster with targeted color photos


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According to Abortionfacts.com "All condoms have flaws or holes. These aren't poked into them intentionally by someone. They occur naturally in all latex condoms. The average hole size is 5 microns. A sperm is only 2.5 microns. An HIV virus that causes AIDS is only .1 micron. In one test, 33% (1/3) of the latex condoms leaked HIV sized particles! The diagram at the left top shows these sizes to scale.
The groups claiming to be the most knowledgeable about AIDS, but yet preside over climbing AIDS infection rates, are simply lining their pocket$ by criticizing any government effort that doesn't meet their approval. Us Helping Us, a black AIDS "education and awareness" group in DC are complaining about the an ad (left) aired by the National Institutes on Drug Abuse. Ron Simmons, UHU president, told the Southern Voice, "It implies that drug use and HIV came together." "It sounds as though if you get high you get HIV. If you protect yourself, you can avoid HIV." The CDC (a government agency) funds Simmons' group. Simmons must not have taken the time to check the statistics published by the group who gives him money to spout the type of drivel he does.
The Blame-for-Fame Game
This is why death and disease continue to stalk young black gay men. It also explains why, after millions of dollars of
extorted grant money the government has poured into AIDS "education", some people in the US are still too dumb to know there is no protection in condoms.
Of course, idiotic pied pipers like Colin Robinson thinks that AIDS is caused by "homophobia". With that kind of escapist mentality harbored by supposed gay AIDS educators, its no wonder why young black homosexual men continue contracting the disease at record numbers. Robinson and other boneheads at the Black AIDS Institute are positive that everybody except black homosexual men are the cause for them getting AIDS.
What is clear is that the groups touting "safe sex" and "protection" know they are peddling lies. None of it works. How could it when so many people are still getting the disease? How long and how many people will die because groups like Black AIDS Institute and US Helping Us continue to advocate and disseminate information which kills?
Dr. Theresa Crenshaw, a past president of the American Association of Sex Education, Counselors and Therapists speaking to a group of sex educators said, "I asked them (800 people) if they had available the partner of their dreams and knew that person carried the (AIDS) virus, would they have sex, depending on a condom for protection? No one raised their hand!" Take note that these are the people telling you condoms protect you from the deadly HIV virus - yet they wouldn't risk it themselves!
The government doesn't need to spend another dollar upholding this farce. The current AIDS education needs to be completely overhauled and while they're at it, arrest its "leaders" as accessories to murder.


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Dental ImagingFor an appointment call our office today at 918-715-3266 or Make an Appointment
Dental Imaging
During your visit to My Dentist, you can expect your oral exam to be accompanied by x-rays or other dental imaging techniques. Dentists use imaging to find cavities, hidden dental structures, bone loss or malignant or benign masses. Take a closer look at the various dental imaging tools used at our McAlester, Oklahoma, dental office, below.
Digital X-rays
Among the most commonly used dental imaging techniques, digital x-rays do not expose you to as much radiation as film x-rays (up to 90% less). The imaging results help your dentist identify any abnormalities in the gums, teeth and enamel. Unlike film x-rays, digital x-rays yield high quality images almost instantaneously, resulting in shorter dental visits!
Intraoral Camera
An intraoral camera is a small video camera that takes an image of the outside of the gum or tooth. The intraoral camera resembles an oversized pen. While simultaneously viewing a monitor, the dentist inserts the camera into a patient's mouth and gently shifts it about so that images can be taken from a variety of angles.
The intraoral camera is extremely helpful in diagnosing dental conditions such as tooth decay and cracked teeth and in educating the patient. Since the intraoral camera is used in tandem with a computer screen or television monitor, your dentist can easily show you, in real-time, if you have a fractured tooth or need gum disease treatment. A picture is worth a thousand words!
Time-savings that come with the intraoral camera are especially noticeable when your dentist needs to take several images at one time. Intraoral camera images are easy to re-take, print and duplicate. Printouts can be sent to dental insurance companies to strengthen claims. In fact, these images are so useful that some insurance companies now accept images via e-mail; the reduced paper trail cuts down on claim-processing time and is an environmentally friendly option as well.
For more information on the intraoral camera at My Dentist, call us at 918-715-3266 today!
iTero Dental ImpressionsRead more about iTero Dental Impressions
Dental imaging helps your dentist make a well-informed diagnosis and treatment plan catered to your unique needs. There are various types of x-rays available for dental imaging. Depending on your symptoms, some x-ray procedures will be more suitable than others.
If you have any questions regarding our dental imaging services or would like to come in for a consultation, contact us at 918-715-3266.


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« Recipes Home
Cheddar Butter
Combine the ingredients in a small bowl and mix with a spatula until well combined.
To store the butter in a ramekin, simply place it in the ramekin and store it in the freezer for about 10 minutes, until the butter sets.
To roll and store the butter, place it on a 12 x 6-inch rectangle of plastic wrap on a clean surface. Gently fold over the short end to line up the corners. Pick up the plastic wrap holding the corners together and gently shake until the butter smoothes out in the center. Lay the plastic wrap back down on the surface and then roll it up to create a long tube. Twist the ends in opposite directions and place the butter in the freezer for 10 minutes to set.


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Get your free, Virginia real estate education today!
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N3243A Designing Wireless LANs Using Advanced Design System
3 日 | トレーニング
Audience: Technical staff working in the communications industry, seeking in-depth understanding of the 802.11a WLAN technology and its implementation in ADS.
This 3-day course provides a detailed presentation of WLAN 802.11a technology and its implementation in ADS. Orthogonal Frequency Division Multiplex is described, as the enabling technology for WLAN applications. The 802.11a-compliant signal source implementation in ADS is then presented. System level measurements are also covered for both transmitters and receivers, like Tx EVM and Rx BER measurements. Connected solutions applications for WLAN systems are part of the hands-on labs. WLAN signals are downloaded into the ESG signal generator and read back into ADS using the 89600 VSA.
What you will Learn
- OFDM technology
- 802.11a signal source implementation in ADS
- EVM measurements
- BER measurements
- Interfacing ADS with ESG (downloading signals into ESG)
- Interfacing ADS with 89600 VSA (reading signals from VSA into ADS)
- Signal Processing Using ADS (N3206A/B) - required
- Using ADS Communications System Designer (N3202A/B/W) - recommended
- OFDM Technology and its implementation in ADS, presentation and hand-on lab
- 802.11a Signal Source in ADS, presentation
- 802.11a Signal Source, hands-on lab
- Tx EVM, presentation and hands-on lab
- Rx BER and Sensitivity Measurements, presentation and hands-on lab


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Oakleaf Hydrangea
Simple, native charm and heat tolerant beauty.
The rustic beauty of the Oakleaf Hydrangea is remarkable. Its stunning white bloom clusters seem to appear when the summer months are at their hottest, and unlike other hydrangea varieties, the Oakleaf Hydrangea tends to prefer a drier soil. In fact, they will struggle in the same damp soil that makes other hydrangeas flourish.
A can't miss for landscape borders and woodland-style gardens, the Oakleaf Hydrangea is hardy in zones 5 – 9 with average to dry soil. The average height at maturity is 5 – 6 feet while some varieties can get as tall as 10 feet.
Gatsby's Gal™
Starting at: $17.99
Gatsby's Moon™
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Gatsby's Star™
Starting at: $17.99


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Knack Trailer: Co-op Construction
Just a week before launch, Sony has delivered a new trailer for the PlayStation 4 exclusive Knack, detailing the co-op features.
We already knew Knack would allow you to play using Remote Play on the Vita, but Knack will also support local co-op if you have a friend over who wants to play, too. The second player can join at anytime with drop-in, drop-out functionality, and will take on the role of Robo Knack. This metallic counterpart plays almost identically to Knack, however Robo Knack can donate parts and heal the regular hero on a whim. As you can see in the footage above, Knack and Robo Knack work pretty well together.
Knack will be out on Nov. 15 at launch alongside the PlayStation 4.


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Add your event to this site. Click here.
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Network Opportunity to Join the Cape Coral MOB Networking Group!
March 22 @ 11:30 am - 1:00 pm
This is the largest and we think, most Fun, Rewarding Group out there!
Please join us! Lunch from 11:30-12:00
Meeting from 12:00-1:00
Come Check Us Out!
Your sponsor is Terry Records, look for me there! Please contact Terry at 239-887-2163 or [email protected]


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DigitalMarket needed a new logo design and created a contest on 99designs.
2 winners were selected from 22 designs submitted by 14 freelance designers.
I want to create a monthly 2-4 page mortgage newsletter for my clients that will be called "The Mortgage Minute." I need a template created so that I can easily insert my articles and pictures each month. I prefer this to be in Word or Photoshop format.
I also need a great looking logo for the "The Mortgage Minute"
The Mortgage Minute
Desired Style:
I want something that looks very professional. I would like a vertical marging that runs along the left side of the page (about 2 inches in) that will always be there where I can list current mortgage rates, and the list of main articles that will be in the newsletter.
 I prefer not to use super bright colors.
 Also, if you can think of a great name that is different than "The Mortgage Minute" than I am open to that.
 Thanks, and good luck!
This contest was originally listed in multiple categories:
- Logo Design
- Stationery Design
Find out how a design contest works or learn more about our logo design services.


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Monthly Archives: July 2017
Why Should One Go For Professional Disability Insurance?
How does it feel when a person is employed, is working and all is going well? They might be tempted to think that they will remain in such states for a very long time. The most important thing an individual … Continue reading
Posted in Uncategorized Comments Off


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Sunday Sweets: Super Bowl
You may remember from last year's Super Bowl Sweets that we the CW team know almost as much about sports as we do about weasel neutering.
(The Super Bowl IS football, right? Oh, good.)
I watch the Super Bowl every year - despite my lack of sports knowledge - just because I get to eat glorious piles of delicious junk food:
Mmmm...Oooonion riiings...
I love the Seussian details; it looks like it's straight out of Green Eggs and Junk Food!
It's a fact that Super Bowl parties are the only place where it's entirely acceptable, nay, expected!, to eat a whole bag of potato chips by yourself.
Submitted by Linday S. and made by La-Di-Da Cakes
RRRRuffles have RRRidges made out of fondant, and they're amazing.
The only way I know this isn't a real bag of chips is how full it is. Usually when I open a bag, it's 75% air, 15% chip crumbs, and 10% greasy-fingered shame.
Of course, no Super Bowl party would be complete without a heaping stack o' wings:
Now, I know what you're thinking: those are real wings on cake, which is disgusting. I thought the same thing. So we called the baker in Tempe, AZ and asked her. Turns out they're made of fondant! Un-Be-Freakin'-Lievable.
I just remembered that this is supposed to be a football post.
Fine. Here.
Seriously, Mike. Did you steal a piping bag from Warehouse 13?
[Ok, so we *might* have just given you a clue why we know nothing about football.]
Hey, you know what goes great with sports for which you care nothing? Pizza!
Submitted by Hilary B. and made by Pink Cake Box
It's pretty rare to see a pizza box cake. I love it. And check out the little mushrooms!
Now I know what you're thinking: what am I gonna drink with all this junkfood, water? What do I look like, a health nut? What am I, a fish?!
No! You're an American!
By Piece of Cake - Custom Cakes by Mark
You drink BEER!
Unless, of course, you're NOT an American. In which case:
Submitted by Lisa L. and made by Cakes by No More Tiers
You drink LAGER!
The bottles and ice on both cakes are made of sugar. Total homerun!
Ok, I know what you're all waiting for. After all, you can't have the Super Bowl without some bone-crunching, cheerleading, touch-downing, grass-staining, FOOTBALL.
Personally, the commercials are my favorite part of the Super Bowl. Like the Mighty Anheuser-Busch Clydesdales!
By CakeCentral user mmmcake0072
D'awww. Who's a mighty widdle clydesdale?! It's you, it's you!
Okay, okay, we probably need to talk about football or... something.
So, the New England Patriots are playing.
By Chocmo Cakes
And I'm pretty sure they'll win because this cake is very tall and majestic.
Also, the New York Giants are playing:
Although I hear blue balls are hard to run with.
[innocent smile]
And so, it is with a heavy heart and a full stomach that we bring this post to an end, with one final, majestic nod to the ol' pig skin:
Have a great Super Bowl Sunday everybody!
Or, ya know, just a Sunday.
Have a Sweet for us? Then send it to SundaySweets (at) cakewrecks (dot) com.


text: dboeren1 294 Posted January 11, 2012 Fantasy Flight may have the rights to the "LCG" name, but they do not have exclusive rights to the concept of selling customized-deck games in a non-collectible format with regular releases. As far as I can tell, the concept is a good one. It's been well-received by the gaming community, has revitalized their games that were doing poorly as CCG's and given them a second life, and is making enough money that they can afford to acquire some rather prestigious licenses and are coming out with more LCG games based on those. In short, it seems quite successful. Successful things tend to breed competition, and yet this hasn't. I cannot name another company that is putting out a game following an LCG-like model. I've heard *talk*, but nobody's actually put it into practice. Why is that? In this part of the forum we stand around talking about what other games we'd like to see redone as LCG's. We talk about the problems of FF getting the licenses from the companies that control those games. So why don't they do it themselves? Why doesn't someone else? Why doesn't someone make up new ones? If the model works (and it seems to), where are the imitators? Quote Share this post Link to post Share on other sites


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A 12 Year Old Domain! First Registered On February 2004! Available Now, Don't Miss Out!
Built around the city of "Claremont" and the premium keyword "For Sale". The name indicates an expert in the industry of the area. This comprehensive domain is perfect for businesses looking to convey attention to details, responsibility and prosperity.
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Note: Keep in mind that there are extremely limited "business" location (e.g. agency, company, firm) and "real estate" (e.g. home, for sale, realtor) related keyword domains available for sale. Due to their high demand, domain investors are no longer placing them for sale on the market because of their rapid growth value. Most related "business" and "real estate" quality domains you find now are being leased not sold. Finding and acquiring premium domains relating to "business" and "real estate" is considered an excellent investment and great opportunity. Don't wait and invest in yourself now!
Claremont For Sale


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(CNN) -- "Batman v Superman: Dawn of Justice" takes Henry Cavill's Superman to new places, but one thing remains the same: the hero's iconic suit.
On Thursday, Warner Bros. shared the first image of Cavill suited up as Superman, with the "S" on his chest firmly in place as he stares through a grim-looking rain.
First look at Henry Cavill as #Superman in #BatmanvSuperman. pic.twitter.com/2P0lWyGdJU— Batman v Superman (@BatmanvSuperman) July 3, 2014
The photo comes just a few days after Cavill was spotted on the set of "Batman v Superman" dressed as Superman's alter-ego, Clark Kent.
"The more time I spend with Henry, the more he's Superman to me," director Zack Snyder told USA Today of the British actor, who made his debut as the high-flying hero in 2013's "Man of Steel."
Now, with the "Man of Steel" sequel "Batman v Superman: Dawn of Justice," Cavill and Snyder are eager to stretch the Kryptonian's identity, examining who he is as a protector of Metropolis and as an everyday gent. He'll still be working with Lois Lane (Amy Adams) and Perry White (Laurence Fishburne) at the Daily Planet, but he'll also find himself moving into Gotham City, where Lex Luthor (Jesse Eisenberg) presents a threat.
"We've both created this guy, and we can push him around a little bit," Snyder said.
But will it be Ben Affleck's Batman doing the pushing? After all, this will be the first time that Batman and Superman are on the big screen together.
Snyder wouldn't say, but he did point out that the movie title's spelling is intentional. Using a "v" instead of a "vs" was "to keep it from being a straight 'versus' movie, even in the most subtle way," he told the paper. "It's never really been done and it's kinda cool."
"Dawn of Justice" also brings in a number of other characters, including Wonder Woman (Gal Gadot) and Cyborg (Ray Fisher). As for Affleck's Batman, Snyder told the paper fans should expect a weary, seasoned take on the character. "It's cooler to see a crusty old Batman beating the snot out of guys," Snyder said.
"Batman v Superman: Dawn of Justice" is currently in production, and scheduled for a May 6, 2016 release.


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Panthers GM Gettleman: Draft needs are OT, WR, CB
CHARLOTTE, N.C. (AP) General manager Dave Gettleman said the Panthers want a left tackle to protect Cam Newton's blindside and a young wide receiver for the Pro Bowl quarterback to throw to this season.
Gettleman also pointed to cornerback as an area of need as Carolina prepares for the May 8-10 NFL draft.
But the second-year GM insisted Tuesday in a pre-draft press conference the Panthers won't stretch to fill any of those needs if the right player isn't available.
"When you make up your mind to take a position because of need, more often than not you're going to make a mistake," Gettleman said.
The Panthers have the 28th pick in this year's draft.
Gettleman subscribes to the age-old theory of drafting the best player available on the draft board. That blueprint worked last year when the Panthers selected defensive tackle Kawaan Short from Purdue in the second round even after taking another defensive tackle, Utah's Star Lotulelei, in the first.
Both turned out to be solid contributors for the league's second-ranked defense last season, helping the Panthers go 12-4 and win the NFC South.
"You can look at me like I'm nuts, but if there is a blue goose pass rusher there or a blue goose defensive tackle sitting there I'm not going to be afraid" to draft him, Gettleman said.
But Carolina's biggest needs are at offensive tackle and wide receiver, where they need to replace wide receiver Steve Smith and offensive tackle Jordan Gross, a pair of co-captains considered to be two of the franchise's best players over the last decade.
Smith was released in a salary cap move, while Gross retired. Considered iconic figures in the Carolinas, Smith was with the Panthers for 13 seasons and Gross 11.
Gettleman said combined there are about 10 offensive tackles and wide receivers who deserve to be drafted in the first round.
It appears the Panthers value an offensive tackle more than a receiver.
Panthers coach Ron Rivera said protecting Newton and giving him weapons are both important, but said if he had to choose one he'd lean toward finding him a blocker.
"I think protecting him," is more important, Rivera said. "You have so many opportunities to get playmakers on the field. Other than the quarterback there are five other guys who can make plays for you. I think right now what we've done is bring in guys who have the ability to make plays for us. I feel very comfortable with that."
The Panthers transitioned into more of a running team last season, rushing for at least 100 yards in 15 of the team's 16 regular season games while placing less emphasis on their wide receivers.
As a group Carolina's wide receivers averaged less than 10 receptions per game in 2013.
That may be one of the reasons that along with releasing Smith, the Panthers let free agent wide receivers Brandon LaFell, Ted Ginn Jr. and Domenik Hixon sign with other teams – a decision that left fans complaining about the direction of the offense.
Carolina replaced that group with free agent wide receivers Jerricho Cotchery from Pittsburgh, Tiquan Underwood from Tampa Bay and Jason Avant from Philadelphia. Gettleman and Rivera also remain high on two Marvin McNutt and Tavarres King, a pair of young wide receivers that were on last year's roster but mostly inactive on game day.
Cornerback has been another area of need for years.
This past offseason the Panthers allowed cornerback Captain Munnerlyn, a five-year starter, to walk in free agency. They replaced him with free agent Antione Cason, but it's still expected to be another position they'll address in the draft.
AP NFL website: www.pro32.ap.org and http://twitter.com/AP-NFL


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Display all acronyms
The acronyms file (gzipped for download) lists all expansions currently known to the wtf(1) utility, which is core to MirBSD and has been extended by many contributors, including "wtfubar"; Natureshadow made a Free Android äpp (available in F-Droid for Jolla/SailfishOS and Blackberry Z10 uers) and Eugen an iOS äpp, both of which also understand the extended format of the MirBSD acronyms database compared to other BSDs. As of database CVS revision 1.707 (2019-09-14T23:01:55Z), 132105 expansions for 103585 unique acronyms are known.
For the regular MirBSD online documentation, we also have a manual page search page.
Results for KISS
- keep it safe and simple
- keep it safe and sound
- keep it short and simple
- keep it simple and safe
- keep it simple and smart
- keep it simple and straightforward
- keep it simple and stupid
- keep it simple, stupid
- keep it small and simple
- keep it strictly simple
- keep it sweet and simple
- kopfgelenkinduzierte Symmetriestörung
DuckDuckGo is a search engine with more privacy and lots of features. This search is external content, not part of MirBSD.


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Compartments in the top pocket hold pencils, rules or small tools. The two bottom pockets can hold a variety of tools or just be a comfortable resting spot for hands. They have side ports for easy access and to help keep out dust and chips, and their angled inside corners don't trap small objects.
Our small apron measures about 26" long by 21" wide, with 9" x 5-1/2" lower pockets, while the large measures about 34" long by 28" wide, with 14" x 8" lower pockets.
Made in Canada.


text: Hey! Want junk you never knew you needed just in time for the holiday season? Well, you're in luck because there's a Woot Off going on right now. Head over to Woot and bid your little recession-proof heart out! I'm sure there's someone in your family who could use that random whatchamacallit you spent your hard earned money on. [Woot]


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PRK™ Products Inc.
Description: Tame the chaos in kitchen cabinets, fridge and freezer with efficient baby food and beverage container organizers from PRK™ Products. The organizers are adjustable to grow with your child (from bottle to sippy cup) and are compatible with over 30 brands beverage and food containers. Organizers are stackable to take up less space and actually increase surface space in your kitchen. Organizers are dishwasher safe, BPA and phthalate free and can be stored in the pantry, fridge or freezer (great for store bought or homemade baby food).
Price: $24.95


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It's a huge honor to win the Grand Championship at the Safeway Barbecue Battle.
Washington, DC (PRWEB) June 27, 2011
The Pork Barrel BBQ Competition BBQ Team has been named the Grand Champion of the 2011 Safeway National Capital Barbecue Battle. As winner of the only barbecue championship in Washington, DC sanctioned by the Kansas City Barbeque Society, the team receives an automatic invitation to two of the top prestigious contests on the professional barbecue competition circuit – the American Royal World Series of Barbecue Invitational Contest in Kansas City, Missouri and the Jack Daniels World Championship Invitational in Lynchburg, Tennessee.
"It's a huge honor to win the Grand Championship at the Safeway Barbecue Battle, said Brett Thompson, co-founder and CEO of Pork Barrel BBQ. "This is especially meaningful to win this in our hometown where we founded our barbecue sauce company and will soon be home to our first Pork Barrel BBQ restaurant."
"It is the thrill of a lifetime to win our first Grand Championship at the Safeway National Capital Barbecue Battle, a contest in our hometown and the very first contest Pork Barrel BBQ ever competed in just two years ago, said Heath Hall", co-founder and President of Pork Barrel BBQ. "Having the chance to compete against the best barbecue teams in the world and walk away with a victory is truly an honor."
Over 150,000 people attended the 19th annual Safeway National Barbecue Battle in Washington, DC during the two-day competition on June 25th and 26th. The Pork Barrel BBQ Competition BBQ Team competed against several current and former world champion barbecue teams in this years contest. In addition to being awarded the Grand Champion title, trophy and prize money, the team also won the Perdue Sizzlin Chicken National Chicken Championship and the Kingsford Points Chase.
This is the third consecutive year the Pork Barrel BBQ Competition BBQ Team has competed in this nationally recognized barbeque event. It is a meaningful competition for Thompson and Hall who entered their favorite homemade barbecue sauce in the 2009 Safeway National Capital Barbecue Battle's "Nations Best BBQ Sauce Contest" and won Second Place in their first ever barbecue competition. Last year, the team won the event's "Chinet Peoples Choice" award for best BBQ sauce.
Hall and Thompson, the sauce company's co-founders, are recognized as two of the most creative and entrepreneurial minds in barbeque. The company recently released Que Cologne – the world's first Eau de Barbecue. Since their appearance on ABC's hit reality TV show Shark Tank in 2009, they have expanded their business from creating BBQ sauces and spice rubs in their home kitchens to selling award-winning BBQ products at over 1,300 stores across America including Safeway, Whole Foods, and Costco. Their inaugural cookbook, the free Pork Barrel BBQ Guide to Tailgating, received praise from food and sports fans across America, and their sauce was recently named Best Sauce in America and one of "The 125 Best Foods for Men" by Men's Health Magazine.
Entrepreneurs Hall and Thompson recently launched the world's first social network dedicated exclusively to barbecue, http://www.BBQBackyard.com, and the company will soon open its first restaurant in Alexandria, Virginia this summer. They continue to earn support from avid barbecue fans with their top-ranked Pork Barrel BBQ Blog and as the number one most followed BBQ company on twitter (http://www.twitter.com/porkbarrelbbq).
For more information, visit the Pork Barrel BBQ website http://www.porkbarrelbbq.com and read about their latest updates and adventures on Facebook, Twitter and the company's blog.
About Pork Barrel BBQ
Pork Barrel BBQ was founded in December 2008 during the peak of the economic crisis to prove that a company not owned or operated by the federal government could succeed, and that if you had a good idea, it was still possible to grab a piece of the American Dream. Pork Barrel BBQ founders, Heath Hall and Brett Thompson, ran the company out of the basement of their houses, selling their award winning BBQ products one bottle at a time. In less than one year, their Pork Barrel BBQ Sauces and Spice Rub were carried in over 1,000 stores in 40 states. Throughout their journey, they have stayed true to their mission – to unite the nation through the great tradition of BBQ, and bring bipartisan flavor to your next meal. The Pork Barrel BBQ Competition BBQ Team entered its first contest, The Safeway National Capital Barbecue Battle, in June 2009, and walked away with two trophies – Second Place in the "Nations Best BBQ Sauce Contest" and Fourth Place for their pulled pork in the Memphis In May portion of the contest. Since then, the team has won multiple awards, including the "Chinet People's Choice" award for best BBQ sauce in 2010 and other notable Memphis in May and Kansas City Barbecue Society BBQ competition accolades as well as having their Pork Barrel BBQ Original BBQ Sauce named Best Sauce in America and one of "The 125 Best Foods for Men" by Men's Health Magazine in November 2010. For more information, visit http://www.PorkBarrelBBQ.com or follow Pork Barrel BBQ on Facebook (http://www.facebook.com/porkbarrelbbq) and Twitter (@porkbarrelbbq).


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2020 Around The World Cruise
Circumnavigate the globe on a journey of a lifetime. With the debut of our 2020 new world itineraries we are offering more flexibility with convenient departures from Miami or San Francisco. Embark on our exciting 2020 Around The World voyages and feel immediately welcomed by the casually elegant atmosphere, richly appointed spaces and exceptional personalized service from our dedicated staff. Reserve this journey and enjoy 2 for 1 Cruise Fares, First Class Roundtrip Airfare*, Savings of up to 70% and a selection of OLife Choice amenities featuring your choice of up to 78 shore excursions, a Beverage Package or up to a $7,800 Shipboard Credit, certain to make your journey even more memorable.
Guests aboard our Around The World Voyages will also enjoy the Exclusive Prestige Package* which includes:
- Free Pre-Paid Gratuities - a value up to $8,200 (for 180 day)
- Free Onboard Medical Care*
- Free Internet
- Free Laundry Services
- Free Exclusive Shoreside Events
- Free Visa Package
- Free Luggage Delivery
- Free 1-Night Pre-Cruise Luxury Hotel Stay
- Free Roundtrip Transfers
Please contact us for sailings included in this promotion.
Terms & Conditions
*Standard terms apply. View complete terms and conditions. In addition: *Fares are in U.S. dollars and subject to increase on 10/1/18. All fares are per person in U.S. dollars, valid for residents of United States and Canada, based on double occupancy (unless otherwise noted), for new bookings only and may be withdrawn at any time. 2 for 1 and Around The World Special Offer Fares are based on published Full Brochure Fares; such fares may not have resulted in actual sales in all cabin categories and do not include optional charges as detailed in the Guest Ticket Contract. "Airfare" promotion includes ground transfers and applies to first class, roundtrip flights only from the following Oceania Cruises Primary Air Gateways: ATL, BOS, CLT, DCA, DEN, DFW, DTW, EWR, IAH, IAD, JFK, LAX, LGA, MCO, MDW, MIA, ORD, PHL, PHX, SAN, SAV, SEA, SFO, TPA, YOW, YUL, YVR, YYZ. Oceania Cruises reserves the right to assign gateways based on availability for JFK, LGA and MIA. Airfare is available from all other U.S. and Canada gateways at an additional charge. Gateways are subject to change. First class roundtrip airfare is for U.S. and Canada gateways only. Roundtrip transfers are restricted to guests utilizing pre-cruise hotel stay in Miami or San Francisco & residents within 50 miles from the cruise port in Miami, San Francisco or New York. Any advertised fares that include the "Airfare" promotion include all airline fees, surcharges and all government taxes. Airline-imposed personal charges such as baggage fees may apply. Additional terms and conditions may apply. Free luggage delivery is only available for guests from the U.S. and Canada and is restricted to two 50-pound bags per guest. Free Internet amenity is one per stateroom; Owner's and Vista Suites receive access for two devices per suite. Visit OceaniaCruises.com/Internet for more details. Free Medical Care restrictions apply. Medical Services included in the Exclusive Prestige Package: Any visits and admissions to the onboard Medical Center, any medical services typically provided by our onboard medical staff for which we normally charge a fee, any medical tests administered onboard (i.e. x-rays, ECG, labs, etc.) and any medications from our onboard pharmacy prescribed by the onboard doctor. Medical Services that are not included: Refills on any prescription drugs not prescribed by the onboard doctor, any and all costs associated with transferring a guest to land based facility for treatment, emergency medical evacuations charges (i.e. medical escort, transport, etc.) and any other costs incurred off the ship or by an outside provider (i.e. consults with Cleveland Clinic, shoreside referral, etc.). OLife Choice free shore excursions vary by voyage and exclude Oceania Select, Oceania Exclusive, Executive Collection, Food & Wine Trails, Wellness and Culinary Discovery Tours. If shore excursion amenity is selected, all excursions must be chosen at least 14 days prior to sailing. OLife Choice beverage package amenity is House Select. Guests in the same stateroom must choose the same OLife Choice amenity and amenity must be chosen by final payment. Optional Overland Tours are available for an additional cost; dates/tours subject to change. Complete Terms and Conditions may be found in the Guest Ticket Contract. Oceania Cruises voyages calling on Cuba fully comply with the existing U.S. Federal Regulations and the most recent pronouncements from the Office of Foreign Assets Control ("OFAC") of the U.S. Department of the Treasury. Please see our website for additional visa and documentation requirements. Oceania Cruises reserves the right to correct errors or omissions and to change any and all fares, fees and surcharges at any time. Ships' Registry: Marshall Islands.
Contact an Oceania Cruises Specialist
For detailed information regarding an Oceania Cruises itinerary and pricing, please contact our Personal Vacation Planners today!
You may also e-mail us through our online contact form »


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"White Coral On Blue Pattern" Tote Bag by Julie Derice. Poly-poplin fabric type. Just imagine yourself with this bag you'll know if this is for you.
Tote bags are fashionable but practical for day to day use. You have a large space to keep your phone, an iPad or a laptop and so on. There is also space to carry all your makeup kit. It is made for all weather fashion but in summer it becomes the biggest fashion accessory you can carry. Tote bags are high on the fashion list for women so buy as many as possible to suit all your days.
This product delivery takes about 5 to 15 days depending on where you are located. Add it to your closet now.


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Using one of the standard cutters or one that you custom shape, you can put fine detail in furniture quickly and accurately. The center post grips a cutter for work next to the head or inches away from it. The integral fence is slotted so that a cutter can be partly recessed if necessary. The rock maple body has all-brass fittings.
Designed for cutting on either the push or pull stroke, it can be used with the grain on any wood as well as across the grain on woods like cherry or maple. Cutters are 5/8" wide and made of hardened spring steel.
Item A includes the Veritas® Beader, a 3/32" radius single-point cutter and five blank cutters. Since both ends of each cutter can be used, this gives you a dozen possibilities. Standard shapes are also available.
Patented. Made in Canada.


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Traditional maritime construction and the harsh climate of Canada's Atlantic coast influenced the architecture studio Atelier Pierre Thibault's design of this house, which is raised on pilotis above a sandy site. Read more
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When Joe Cocker's raspy rendition of a Beatles' song talked about getting by with some help from his friends, speculation was rampant about what those "friends" really were. In the case of many hot rodders, however, those friends are your buddies that turn wrenches with you, stay vigilant for the parts you need, and provide moral support when things aren't going well. It's all a part of being active in the hot rodding community—and that is just the case with David Reustle and his street-driven Chevrolet.
As with many pitside participants at Super Chevy shows, we found David with a cluster of others working under the hood of his '57. With a carburetor in his hand while getting ready for True Street qualifying cruise, David told us the story of his car that, in many ways, is the story of us all.
"It all started during my teenage years," David began. "We all used to hang out at the local Burger King and everybody was into muscle cars and hot rods. I had a friend named Roger Slate who had an Army green 1957 Chevy that we cruised in all the time. It had a 283 in it with a tunnel ram, dual Holleys, and a Muncie four-speed.
"I used to tell him all the time that I was going to buy his car someday and all he'd say was 'I hear ya,'" David laughed. "Years passed and he went on to buy a 1969 Camaro Z/28 that I helped him with while the '57 stayed parked in the garage. When I was 24, I finally called him one day and announced that I was ready to buy his car. He was buying a new house at the time and the garage only had space for one car, so I knew that the Camaro would be the one going in there. We talked a bit and I was able to take the car home for $1,500, less engine and transmission."
After storing the car for about a year, David and his friends built a 327 together, bolted in another four-speed, and got the big Chevy back on the road. It wasn't long, however, before everyone realized that the Army green color had to go. David and Paul Coswell worked together on replacing the rocker panels and massaging the rest of the bodywork before Coswell sprayed the car. After careful reassembly and final detailing, the car debuted at a local show where it won a first place award. It was a day to remember for all.
Leaving things as they are, however, is a virtue that hot rodders rarely possess. A 331-cid small-block found its way into the car with a steel crank and Manley rods making up the bottom end. Double-hump heads, a Lunati cam, and a Scorpion intake with a Holley double-pumper followed. With that done, David soon found himself making regular trips to the local dragstrip with his friends.
"I broke an axle while racing up in Princeton, West Virginia, and had to put the car up for a while," David recalled. "My friend Tim Terry actually sold the engine and tranny out of the car without my knowledge. I thought I'd kill him—until I saw how much money he'd gotten for everything."
Once David overcame the shock, he began to realize what those funds could mean in terms of upgrades for the Shoebox. A mini-tubbed rear for larger tires, ladder bar rear suspension, an NHRA legal rollcage, a 358-cid roller motor, front wheel disc brakes, and an automatic tranny all put David's Bel Air in another league. David and his friends began racing throughout at Super Chevy and other drag events throughout the mid-Atlantic.
As the price of gas skyrocketed, however, David listened to some good advice and changed engines once again. Out came the 358 race engine and in went a milder 400 pump gas motor. This allowed his venerable heavy Chevy to return to the street world while still being potent enough to produce some mid-12-second timeslips. Super Chevy's True Street class began to seem like a perfect fit for David's car.
As it is today, David's Tri-Five runs with an essentially stock front suspension that uses components from Moroso, Chassis Engineering, and others to provide a full 3-inch drop. The rear still uses a three-link suspension with a braced 12-bolt rear with Carerra shocks. Monocoque race wheels mount 315/60R15 Mickey Thompson drag radials to provide plenty of traction on both the street and strip.
Under the hood sits a 406-cid pump gas motor that was built by fellow True Street racer Phillip DeLong. Goodies include a Dart Iron Eagle crank and I-beam rods with Speed Pro 10.5 flat-top pistons, an Edelbrock Air-Gap intake, and a Holley 750. Other classic upgrades include an MSD 6AL ignition box, ceramic-coated headers, and Flowmaster 40-series mufflers. Inside the transmission tunnel is a Turbo 400 with an ATI 3,600-stall converter.
Although the Amber Flint paint is approaching 30 years old, it still holds a shine and garners compliments. A Danchuk gold grille, N.O.S. GM front/rear bumpers, and a 4-inch scoop molded onto the stock steel hood provide just the right look and bling. Vinyl clad RCI seats, Ultra-Lite liquid filled gauges, and a Turbo Action shifter provide all the evidence necessary that there's more to this Chevy than meets the eye.
Despite some flaws and imperfections, people are quick to appreciate that David's car is one of the very few '57 Chevys competing in True Street today under any sanction. (Its best run in its current guise is 12.31 at 108.9 mph.) What's also appreciated are the many friends such as Jimmy Moore, Ross Jackson, Gary Richards, Gary Beckner, Dicky Wilson, Eddy Kirk, Eddie Farris, and sons Brad and Kevin that all had a hand in this car.


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José Mourinho expects Ashley Cole to prove his pedigree over the second half of the season and earn himself a new contract with Chelsea, though the Portuguese has admitted he is not certain the veteran left-back will ever again be guaranteed a first-team place at the club.
Cole will make his first appearance for the team since the defeat at Newcastle on 2 November against Steaua Bucharest on Wednesday and, like John Terry and Frank Lampard, is out of contract at the end of the season. The England defender had suffered a rib injury in the victory at Norwich in the first week of October and has played and trained in discomfort since, with César Azpilicueta, more normally a right-back, seizing the opportunity presented by his team-mate's dip in form to claim a place in the side.
The lack of involvement for a player who turns 33 later this month had appeared to cast doubt on Cole's long-term future at the club. "But I think, even if you're not playing every game and are not first-choice, like he has always been, it does not mean you are not in well condition or deserving of a new contract," said Mourinho. "I feel he's fine and I think, against Steaua, he's going to show he's fine.
"Naturally, with the evolution of the season, he will play matches. Can he recover or not 100% his position? I don't know. But play? He will always play. And he will always be a good player. Naturally he will get his contract because he's a valuable player for us. I know him well. It's easy to feel he's not happy, not comfortable with the situation.
"But the way he behaves and trains? Super professional. As always. A fantastic trainer and professional. When he's on the bench behind me, I can feel he's there to win even if he's not on the pitch. Fantastic guy, full of respect from me and all the players."
Chelsea qualified for the knockout phase even in defeat by Basel last month but still require a victory over the Romanians to win Group E. Their visitors have not won in this competition for 22 matches, stretching back to 2006, but have twice held Basel in the group and will seek to exploit Chelsea's recent defensive frailties.
Mourinho has made much play of his forwards' deficiencies – he claimed his trio of strikers shared his frustration at their paltry tally of four league goals combined this term – but at the other end he has seen his team claim a solitary clean sheet in six matches in all competitions, with three goals shipped to both Sunderland and Stoke City last week.
The management staff had scrutinised last Wednesday's 4-3 win on Wearside, picking apart each of Sunderland's goals against them, but failed to determine culpability. "Maybe you laugh but, if we trained defensive corners against the dummies at the moment, maybe one time (a dummy) would score," said Mourinho, who is expected to rest Terry and may recall David Luiz to the starting line-up after a recent knee injury.
"All the rebounds are going to the opponents, so I think the rebounds will go to the dummies, too. I didn't see defensive mistakes against Sunderland. I was analysing the game for an hour, slow motion, going over every incident, seeing what we had done wrong but we did nothing wrong. The ball was just going here or there. So I didn't want to train against the dummies.
"We are creating a lot of chances but we have to kill [off] opponents. We have to score more goals. If we don't do that, we have to be very safe in the back. But am I going to change the style and play more defensive style? No. Am I going to play David Luiz in front of the centre-halves? No.
"We go in the same direction. We will make three or four changes to our side for this game because, in certain positions, we have a very strong squad. But we need to win this game, not just to finish first but to have a good feeling with a home win and 12 points. If you told me now we'd get a point against Steaua which would see us finish first because of the other result [between Schalke and FC Basel], I don't want it. I want the feeling of winning the game."
Chelsea (4-2-3-1; probable): Cech; Ivanovic, Cahill, David Luiz, Cole; Mikel, Lampard; Mata, Oscar, Schürrle; Eto'o.
Rest of squad: Schwarzer, Blackman, Terry, Azpilicueta, Ramires, Hazard, Willian, De Bruyne, Torres, Ba.
Injured: Van Ginkel (knee).
Steaua Bucharest (4-1-4-1): Tatarusanu; Varela, Szukala, Gardos, Latovlevici; Prepelita; A Popa, Chipciu, Stanciu, Tanase; Piovaccari.
Rest of squad: Nita, Georgievski, Pintilii, Neagu, Iancu, Leandro Tatu, Kapetanos.
One booking from a suspension: Szukala, Piovaccari.
Suspended: Bourceanu.
Injured: Filip (broken leg).
Referee: G Rocchi (Italy).


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Tax Strategies
Paying too much tax hurts.
As an advisor, an important part of your value proposition is to identify strategies that will help your clients' minimize the amount of tax they pay.
That's where we can help.
The Tax & Retirement Services (TRS) team identifies tax challenges that your clients may face and provides easy-to-understand solutions, which you and your clients can understand.
Tax Managed Investing Strategies are ideas that you can introduce to your clients in one-on-one meetings, seminars, websites, and newsletters.
The following provides a selection of available topics from which you can choose.
Tax Managed Investing – Strategy #1
Capitalizing on Capital Losses
If you or your spouse have realized capital gains in the last three years, consider selling an investment that has dropped in value to recover the taxes paid on those gains
Tax Managed Investing – Strategy #2
Fighting the Clawbacks –Reduce Line 234
Clawback Calculator
Dividend income is the least "income friendly" to retirees because the grossed-up amount is reported on their tax return. Although the dividend tax credit provides preferential tax treatment, the grossed-up amount exaggerates the total income on line 234.
Tax Managed Investing – Strategy #3
Maximizing Discretionary RRIF Income by Borrowing To Invest
If you are an investor with discretionary RRIF income, you can put that income to good use. By borrowing to invest, you not only achieve tax savings each year, but gain the potential to significantly increase the value of your non-registered investment portfolio over the long term.
Tax Managed Investing – Strategy #4
Final RRSP Contributions at Age 71
The clawback of government benefits can have a significant impact on an individual's retirement income. Some careful RRSP planning as age 71 approaches, however, can reduce taxable earnings in retirement – and reduce the clawback of government benefits.
Client Insight video with John Natale and Dan Richards – Using an Over Contribution Strategy
Client Insight video with John Natale and Dan Richards – Making a Final RRSP Contribution at age 71
Tax Managed Investing – Strategy #5
Unlocking Locked-In Funds
While pension assets represent an important source of retirement income, locking-in restrictions can hamper retirement income planning flexibility. By making full use of maximum withdrawal limits, thousands of dollars of pension savings can be unlocked while remaining tax-sheltered.
Tax Managed Investing – Strategy #6
Lower the Family Tax Bill – Income Splitting Using Loans
Demand Promissory Note
People often consider tax saving strategies on an individual basis, but overlook family strategies that can save significant tax dollars. The use of intra-family loans to split income and save taxes is a good example.
Tax Managed Investing – Strategy #7
Cross-Border Investment Planning
There are significant investment tax-saving opportunities for Canadians who take up residence in the United States. In order to benefit, it's important for individuals to properly structure their investment portfolios before they leave.
Tax Managed Investing – Strategy #8
Little Known Facts About the Canada/Quebec Pension Plan (CPP/QPP)
For Canadians at or nearing retirement, the Canada/Quebec Pension Plan (CPP/QPP) remains a bit of a mystery. Many people realize they've been contributing to it for a good portion of their lives, but may not be sure how much they will receive at retirement.
Tax Managed Investing – Strategy #9
RESPS no longer just for kids
When most people think of Registered Education Savings Plans (RESPs), they think of an educational savings plan for children. Did you know that RESPs are a great savings plan for adults too?
Tax Managed Investing – Strategy #10
Giving more for less – maximize donations to charities
Not only do charitable donations provide individuals with the satisfaction of giving back to their communities, Canadian tax laws ensure that there has never been a more tax-advantaged time to give.
Tax Managed Investing – Strategy #11
Put your retained earnings to work
Many business owners have built up significant retained earnings in their corporation and are looking for ways to pull that money out. Well, there's a simple strategy available that moves retained earnings out of the company and puts them to work generating investment returns – in a tax efficient way.
Tax Managed Investing – Strategy #12
Individual Pension Plans - and the family business
Because of increases to pension limits and the ability to include an Individual Pension Plan (IPP) in a succession plan, IPPs have become the RRSP alternative for many business owners.
IPPs at a glance
Tax Managed Investing – Strategy #13
Alter Ego Trusts: the answer to probate fees?
Alter ego and joint partner trusts have been gaining in popularity as a way to avoid probate, but are there alternatives? This strategy looks at alternatives to Alter Ego trusts and the advantages of and disadvantages to both.
View the Quebec Edition, ALTER EGO TRUSTS: an answer to enhance creditor protection
Tax Managed Investing – Strategy #14
The Pension Income Tax Credit using an Insurance Company GIC
If you or your spouse are 65 or older and do not have income from a RRIF or private pension plan there is another alternative to take advantage of, the pension income tax credit.
Tax Managed Investing – Strategy #15
Opportunities For Pension Income Splitting
If you have a spouse (or common law partner) who is in a lower tax bracket, you and your spouse will be able to elect to have up to 50 per cent of eligible income transferred to the lower income spouse. Eligible income is defined as income eligible for the pension income tax credit.
Client Insight video with John Natale and Dan Richards
Tax Managed Investing – Strategy #16
Tax planning in a volatile market
Stock market volatility may cause investors to worry about their investments and to make matters worse, the taxable amounts reported at year end may not relate to the value of their portfolio.
Tax Managed Investing – Strategy #17
Making the most of your TFSA dollars
Now that we have a new savings vehicle, Tax-Free Savings Accounts (TFSAs), it's time to consider who can best benefit from using them as well as why and how you could use them.
View our client-friendly video on Tax Free Savings Accounts (TFSAs).
Tax Managed Investing – Strategy #18
RESP Savings Strategies – Lump Sum or Periodic?
It's no secret that the cost of post-secondary education in Canada is on the rise. And for that reason, you may be wondering about the best savings strategy when it comes to contributing to a Registered Education Savings Plan (RESP) for a child.
Tax Managed Investing - Strategy #19
Making the most of your maturity guarantee
Many individuals have segregated fund contracts that are approaching their maturity date. If the market value has declined you may be entitled to a maturity top-up. What are the implications of this and what can be done to minimize the taxes?
Tax Managed Investing – Strategy #20
Using Series T for income now and charitable donations later
Many Canadians may be looking for ways to increase the tax efficiency of their retirement investments. Additionally, they may want to give back while taking advantage of the tax benefits of donating investment funds to charity. Did you know that there is an investment option that can allow you to combine both of these objectives? An investment in a Series T fund can provide tax-efficient income now and a tax effective way to donate in the future.
Tax Managed Investing – Strategy #21
Ideal Candidates for Mutual Fund Corporations
A Mutual Fund Corporation is a single taxable entity consisting of several classes of shares, with each class representing a different mutual fund. This allows Mutual Fund Corporations to offer several tax benefits to those investors with non-registered funds.
Consider using a Mutual Fund Corporation structure to both help reduce taxes and find corporate funds that appropriately fit investment objectives and risk tolerance.
Tax Managed Investing - Strategy #22
If you are an investor who makes regular contributions to your non-registered investment accounts, there is a strategy available that may allow you to increase your net worth over the long term and make your regular contributions tax deductible.
Tax Managed Investing - Strategy #23
Spousal RRSPs
Now that we have pension income splitting, are spousal* RRSPs a thing of the past?
At first glance, it would appear that spousal Registered Retirement Savings Plans (RRSPs) are no longer needed because the pension income splitting rules allow couples to split their income once their RRSPs become Registered Retirement Income Funds (RRIFs). Nevertheless, there are situations in which spousal RRSPs can offer some advantages.
* The terms spouse and spousal includes a spouse or common-law partner as defined by the Income Tax Act (Canada).
Tax Managed Investing - Strategy #24
The bigger bang RRSP strategy
For many Canadians, as the calendar year winds down, the time comes to think about making your annual contribution to your Registered Retirement Savings Plan ("RRSP"). Whether you contribute regularly to your RRSP throughout the year, or if you make a single lump-sum payment or additional "top-up" payment closer to the RRSP deadline, there is a strategy you need to consider.
Bigger Bang RRSP Strategy PPT TMS#24
Tax Managed Investing - Strategy #25
Corporate In-Kind Donating
As more and more corporations invest their retained earnings directly in various investment vehicles such as mutual funds and publicly traded securities, the value of their portfolio continues to grow. And as business owners build their corporation's portfolio, they may also want to give back while taking advantage of the tax benefits of donating investment funds to charity. However, what many business owners may not know is that where corporate investments have increased in value, a corporate donation in-kind results in a more favourable tax consequence than selling the investment and donating the cash.
Case study – Corporate Class Mutual Funds: Corporate Donation (login required)
Tax Managed Investing – Strategy #26
Using corporate money to fund your retirement
Many individuals have built up significant cash or liquid assets within their corporation but the tax cost of withdrawing those funds is often prohibitive, resulting in the corporation itself looking to purchase the investments directly.