text:
Labor reveals tax on superannuation earnings over $100K a year
- From: News Corp Australia Network
- April 05, 2013
DUMPED cabinet minister Simon Crean has welcomed the governments planned changes to superannuation, after issuing stern warnings to his party against any retrospective reforms.
Labor will raid Australia's superannuation accounts to plug its revenue hole, with earnings over $100,000 to be taxed under a plan unveiled today.
Treasury estimates around 16,000 Australians will be affected by the measure in 2014-15 which represents 0.4 per cent of Australia's projected 4.1 million retirees in that year.
Mr Crean, who was sacked by Julia Gillard from his Regional Australia portfolio after calling for a leadership spill between her and Kevin Rudd last month, said today the reforms were "fair" and "reasonable".
"The package of measures today involving no retrospectivity, and addressing adequacy and sustainability, I welcome," Mr Crean said.
"They are fair, they are reasonable, but they are also building on the great legacy of making superannuation available to all members of the work force," he said of the measures.
"I am very pleased the announcement today clarified and we can get on with a sensible debate and not speculation."
Mr Crean did a series of media interviews in the past week urging the government not to touch the money people had already put into their superannuation savings and said any reforms needed to be about the long term sustainability of the system, not about finding money to plug the government's revenue hole.
While he was happy with the reforms -- the headline of which was a tax grab on the earnings of superannuation assets over $100,000 -- Mr Crean said reform of the sector needed to go further.
"I think in the longer term we should be moving from 12 to 15 per cent," he said of compulsory employer contributions.
Mr Crean also urged the government to put the measures to parliament as soon as possible.
"The sooner they can go to the parliament they should go to parliament," he said.
"But the real question is can they be passed? I urge the opposition to get behind these measures and for once give bipartisan support."
Super reforms to hit top earners
Superannuation Minister Bill Shorten and Treasurer Wayne Swan this morning revealed Labor would cap the exemption for earnings on superannuation assets supporting income streams at $100,000 with a concessional tax rate of 15 per cent to apply after that.
Tony Abbott immediately hit out at the planned reforms describing them as "another broken promise" that would result in less money in the pockets of Australians.
Assuming an annual rate of return of 5 per cent, the changes - set to take effect from July 1 next year - would affect individuals with around $2 million of savings in superannuation.
"We want to make it better, we want to make it fairer and we want to make it stronger," Mr Swan said of the superannuation system.
The measures - which will also hit politicians - will bring in around $900 million in savings for the federal budget over the forward estimates.
Mr Swan said there was "something wrong" with the system that everyday working Australians weren't getting the best deal from superannuation.
Mr Shorten said "we want to take superannuation above politics".
"We believe the system should be targeted at everyday earning Australians," he said.
"We all know that concessions can't be open ended.
"Once you've achieved a comfortable level in retirement savings, you probably don't need as much as those who haven't gotten to that point."
He said the changes "were not retrospective".
"Vigilance dictates that we must make these hard changes," Mr Shorten said.
Click on this link for the full announcement details.
People aged 50 and over will also get a boost to the tax free additional contributions they can make from $25,000 to $35,000.
However the measures may not even go to the parliament before the next election.
"We will do what we can in the time available before the next election," Mr Shorten said.
Abbott slams 'raid on retirement savings'
Tony Abbott today said the new measures were"yet another hit on Australian people".
The Opposition Leader said people would ultimately have less money as a result of the flagged changes.
"This is a government that is incompetent and untrustworthy," Mr Abbott said.
"This is a government which is prepared to tax the people to fund own spending.
" On balance this is a $1 billion hit on people's retirement savings. It is a $1 billion hit on savings that belong to the people, not the government."
He said if re-elected there was no guarantee Labor would stop at the measures announced.
"If they get three more years they will go further – it wont stop here," Mr Abbott said, maintaining there would be no adverse, unexpected changes to superannuation under a first term of a Coalition government.
The Liberal National Party's candidate in Kevin Rudd's Brisbane electorate of Griffith, Bill Glasson, today urged the former prime minister to fight against the government's announced superannuation changes.
"We can't allow this financially incompetent Labor government to raid retirement savings as a way of trying to cover up their ever-growing budget black hole," Dr Glasson said.
"The danger is - if Labor can get away with this once, they will try it again after the election. We can't let Labor destroy public confidence in super."
Greens Leader Christine Milne said Labor needed to step up and act on the mining tax after its retreat on superannuation.
"The Government has disconcerted the whole country with their on and off again super reforms. And now they are still failing to say how Australia's revenue hole will be fixed," Senator Milne said.
"Labor is clearly not serious about facing the revenue challenge Australia confronts. Unless that revenue challenge is addressed we will rush headlong into a less caring Australia where the majority will miss out on the public schooling, health care such as Denticare and the public transport infrastructure they deserve.
"The government should focus on those who can afford to pay: the wealthy mining companies who have short changed Australia of up to $100 billion in revenue."
Keating welcomes balancing reforms
Former prime minister Paul Keating welcomed the changes, saying they had struck the right balance.
Mr Keating said the changes corrected what he called unsustainably generous tax changes under Peter Costello which he said dismantled the former Reasonable Benefit Limit's structure in favour of an open ended tax free regime.
He added they also had the effect of modestly limiting the otherwise open concessionality on fund earnings while leaving accumulations untouched, moderating the concessionality without returning to the rigidity of the former RBL structure.
"The changes seemed designed to return to the notion of 'reasonable benefits' for Superannuation without altering the tax treatment of lump sums themselves," Mr Keating said.
"The former Labor Government's Superannuation system was designed as a retirement income system broadly to augment the age pension – it was never designed to make possible the shelter of income for those able to contribute increasing levels of precautionary savings and their associated compound earnings.
"The sustainability of the retirement income system demands that that balance be maintained. The Government, by these changes, appears to be striking a reasonable balance."
Under current arrangements on superannuation, all earnings on assets supporting income streams are tax free in contrast to earnings in the accumulation phase of superannuation which are taxed at 15 per cent.
As part of other changes today Labor will also establish a special Council of Superannuation Custodians to ensure any future changes to the sector are consistent with the agreed Charter of Superannuation Adequacy and Sustainability.
It will work to simplify the design and administration of the higher concessional contributions cap, reform the treatment of concessional contributions in excess of the annual cap, extend normal deeming rules to superannuation account-based income streams, extend concessional tax treatment to deferred lifetime annuities and further reform the arrangements for lost superannuation.
Asked if the changes would help fund the Gonski education reforms and the National Disability Insurance Scheme Mr Swan said it was one of many savings that would help bring back revenue.
"You do create room in the longer term for policy proposals," Mr Swan said.
"There is no magic wand or one area of savings that will instantly change the fact that revenues have come off dramatically."
Speculation over the government's planned raid on superannuation hit fever pitch this week.
The reforms were due to be part of next month's federal budget.
Interest groups split on super reforms
The Association of Superannuation Funds of Australia today welcomed the government's announcement.
The organisation's CEO Pauline Vamos said it would help stop the panic in the community and allow people to better plan for their retirement in an environment of stability and certainty.
"We have been calling on the government to put a stop to the hysteria and consider policies which take a long-term approach to the future sustainability of Australia's superannuation system," Ms Vamos said.
She said there was a lot of complexity in the changes which needed to be considered carefully.
"We will examine these proposed changes in detail to ensure they deliver the best outcomes for the sustainability of the system and a comfortable retirement for all Australians."
The Australian Council of Social Service today expressed disappointment over the announced reforms.
"Whilst we obviously welcome these improvements, the reality is the changes announced today by the federal government amount to a mere tinkering at the edges of a system that is grossly skewed in favour of people on the highest incomes," CEO Cassandra Goldie said.
"Capping tax exemptions on superannuation earnings supporting pensions and annuities at $100,000 will only affect people with super assets of more than $2 million. They will still only pay a rate of 15 per cent tax on their super savings, making savings of just $350 million over the next four years.
"This is a drop in the ocean of unfair super tax arrangements that are expected to be valued at $44.8 billion by 2014-15. It is less than half the money the government took away from single parents in the last Budget, who are likely to have little hope of securing adequate retirement savings."
- with Patrick Lion, Angus Livingston
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The Word of Canberra Posted at 1:29 PM April 05, 2013
Old Swanny is going out to be out of a job come September anyway. I don't think his IQ is very high and the way he sits there with a smug look on is face is going to get wiped off once his electorate dumps. Possibly a change in career for him after politics? Maybe an undergrad degree in economics? Something with a bit of number crunching so he can gain some experience? His is a numpty politician who will forever be remembered as a neville nobody who did nothing for Australia.
Comment 51 of 314
Alex of Sydney Posted at 1:29 PM April 05, 2013
I can guarantee none of you on here would be one of the 16000 earning that much lol
Comment 52 of 314
panda of perth Posted at 1:29 PM April 05, 2013
I only started working full time last year and have totally lost faith in the superannuation system. You should ALL be worried about the precedent set if these changes go through. Retirement age lifted to 67, superannuation changes every year from this government... what next?? Who knows what else will happen in the 40+ years before retirement! Government should just leave superannuation alone, otherwise they will just keep raiding our savings for their waste!
Comment 53 of 314
Gerry Posted at 1:27 PM April 05, 2013
It is all pretty clear. Labor proudly claim they introduced superannuation (a lie) which in reality is just a system to make people pay their own pension so the government can remove it from their budget. Now the savings from not paying pensions are not enough so they have to start taxing the self funded pensions. So now they are taxing something the government once provided out of tax revenue.
Comment 54 of 314
Bigfella of Melbourne Posted at 1:27 PM April 05, 2013
LAst yr they reduced contributions to super from people able to contribute up to $50k without penalty down to $25k when tax will kick in. Some people I work with had been putting high amounts of their salary into super as they only plan on working another year or two and as their partner works they are living off one wage, so please don't tell me these changes only effect the super rich!
Comment 55 of 314
Allan of Gold Coast Posted at 1:27 PM April 05, 2013
To Barry of Nambucca Posted at 10:52 AM Today and others who think this is only a tax on the rich. In better times, it is common for Super funds to return 20% or greater per annum which would mean that anyone with $500K or more in Super at retirement will be eligible for this tax. This covers a huge part of the population and not just the "Fabulously Wealthy". Also, there is no mention of indexing the $100K to inflation, so in ten years time, $100K is not going to be out of reach of many on an average wage let alone earnings from Super especially with super contributions raising to 12% over the next few years. We need a government that governs for all Australians but this mob seem to want to alienate anyone who has been successful or even moderately successful.
Comment 56 of 314
random of SEQ Posted at 1:26 PM April 05, 2013
The only thing we didn't hear was the truth - We want to make money to make up for our complete ineptitude and waste in government....
Comment 57 of 314
David M of Perth Posted at 1:25 PM April 05, 2013
You have worked hard all your life and now have $2 mill in Super when you retire. In year 1 the Stock market does well and the VALUE of your Super goes up by 10%. So on the $200K earnings you pay 15% tax ie $30K which is deducted from your Super and handed over to the Government. In year 2, there is GFC No 2 and your Super fund falls by $500K. Any refund there? Probably not. Then in Year 3 it goes back up by $200K and the Government now takes another $30K. So your balance now stands at $1,840,000. You are now worse off by $160K of which $60K was taken by this Government. Is this FAIR??
Comment 58 of 314
Rupert Ashford of Honfleur Posted at 1:25 PM April 05, 2013
If you have more to contribute towards your retirement, do it via other means than super. Don't trust politicians with more than the absolute minimum required by law - you need to show faith in too many different regimes - the current bunch may be OK, the mob following them could be OK, the mob thereafter who knows?
Comment 59 of 314
tom Posted at 1:25 PM April 05, 2013
Thats it Wayne. Tax the country into prosperity...
Comment 60 of 314
scraecrow1980 of NSW Posted at 1:24 PM April 05, 2013
Tax on money earned over 100K is still money that individuals have earned and has already been taxed! This is what happens when someone with an arts degree is given the treasury portfolio with no knowledge or experience in the area. Why on earth did the Labor strategists allow them to green light this idiotic decision given the low standing in consecutive polls? This really is the last nail in the coffin of the Labor party most likely for a generation if not two...September can't come quick enough to vote this completely incompetent, and shameful government out and renedered to the history books.
Comment 61 of 314
Scott of canberra Posted at 1:23 PM April 05, 2013
Paul of adel you are the one that needs to get a clue. It affects anyone that earns above 100k on their super savings. for example if you had $600k in super and this year being a good year got a 20% return you will be slugged. 600k is not a lot to have in super, especially for older people, this is a extremely mean and nasty step backwards, especially for those that have struggled to get some savings in super.
Comment 62 of 314
Informed Voter Posted at 1:23 PM April 05, 2013
People saying their super will be affected have either not read the announcement properly, or engaging in what the Liberal party has been aiming to get from the community, a fear-mongering campaign. Not all of you will be affected this is only for super accounts that earn $100k p/a, and if you're earning that much just on super than you have more than enough to get by when you retire. No one talks about Abbott removing compulsory super for low-income earners and yet he accuses Gillard of engaging in class-warfare. Pathetic hipocrasy from an Opposition leader who can barely run unscripted media conferences without avoiding questions, and making claims such as Gillard not going to Indonesia to talk with the President to work out a solution to boat people, when they are both in New York at a conference. Straighten up your facts before you make some ridiculous claims about your super being affected if you've already got $2M in said account and losing only about $30,000 a year.
Comment 63 of 314
jessP Posted at 1:21 PM April 05, 2013
Joes Hildebrand is a dick
Comment 64 of 314
Mark of NSW of Australia Posted at 1:21 PM April 05, 2013
"Paul of adel Posted at 1:09 PM Today All you misguided idiots need a clue. It wont even affect majority of you. Get the facts before going off about something you clearly have no idea about. This is on $ EARNED AFTER 100K. Stop bagging the governement when you have no idea." Your hypocriscy is sickening Paul. The public do not want the wealthy to be taxed any further. They realise they are taxed very highly (as indeed is the working man in toto) but they aspire to be wealthy. Maybe they are worried about Shorten changing thresholds or not indexing this dog of a policy? The real travesty is Shorten calling the non imposition of tax a "subsidy". He's from USSR casting central. The Government DOES NOT have a sovereign claim to your earnings, the Government is merely our agent - to which is very unpopular and will NOT last in its current form!
Comment 65 of 314
JT of Mount Annan Posted at 1:20 PM April 05, 2013
It will affect the majority Paul of adel as he is making superannuation pensions subject to standard centrelink deeming rules. This hidden change is going to affect a lot of people and its going to hurt them.
Comment 66 of 314
Andrew of Brisbane Posted at 1:18 PM April 05, 2013
Labor must think we are all idiots - it is very clear that the trade unions are now running this country as Gillard has obviously done a deal with them to remain in power. I used to be a labor voter but i will never vote for them again if the leader has strong links with Unions (that includes you Bill Shorten). I find the Unions are only about self interest and not about the workers as they should be.
Comment 67 of 314
Mark of NSW of Australia Posted at 1:18 PM April 05, 2013
"Will of Nth QLD Posted at 10:49 AM Today Good God, stupid really has a home here. Can't anyone understand that it is a tax on EARNINGS. Not the capital...not salaries. EARNINGS. Thats interest on superannuation." No Sir, it is you whom is "incredibly dumb". This is just a scam to spruik industry super funds (union run, ALP donors) over SMSFs which the union run industry super funds HATE. Furthermore you have the temerity and audacious stupidity to call the tax "not a tax on capital" because it "only" taxes interest. I suggest you buy the Palgrave dictionary of economics before you start pontificating again around here,
Comment 68 of 314
Mitch of Australia Posted at 1:17 PM April 05, 2013
Only those with more than $2mil in super will be affected? Cry me a freakin river.
Comment 69 of 314
JJ of Australia Posted at 1:16 PM April 05, 2013
This assumes a 5% return. My fund is currently returning 26% which means that anyone with more than $423000 in their account will pay this tax. I'd love to know what percentage of accounts have this amount?
Comment 70 of 314
ranton2 Posted at 1:15 PM April 05, 2013
And Abbott will tax the lower wage earners more and the richer less on there superannuation the will be COALITIONS reform.
Comment 71 of 314
Mark of NSW of Australia Posted at 1:15 PM April 05, 2013
"MK Posted at 10:28 AM Today @J.D of Bundaberg - Are you aware that Ayn Rand died alone, poor, and on government welfare?" NO she didn't you lying scumbag.
Comment 72 of 314
CSidney of Sydney Posted at 1:13 PM April 05, 2013
The biggest news story of today shouldn't be this new tax, it should be the poor state of reading and arithmetic in our country. Judging by the majority of comments above we have either failed in both or our country is just becoming more ignorant. This tax is half closing a tax dodge loophole people!!! Also if you honestly think that people earning this sort of money are relying on their super to retire on then you are obviously misguided. Super is just another tax break for them. I guarantee you the majority of their wealth would be invested elsewhere.
Comment 73 of 314
kat Posted at 1:11 PM April 05, 2013
K of GC Wow are you really having that much trouble distinguishing earnings from balance. They are not going to tax you on the balance of your super rather if your super earns over $100,000 per annum they will tax you 15% on anything above the earnings. An example would be if your super earns you $110,000 per year you would be required to pay $1500 in tax for that year.
Comment 74 of 314
Thomas the Tank of Wollongong Posted at 1:10 PM April 05, 2013
Without having studied the announcment, how will this be applied? From 1 July of each year, your Super balance is $X then @ 30 June next year, if your Super total is, without any additional contributions, $X + $100k ie, additional earnings, then, do you pay 15% on the $100k or,$15k extra tax?
Comment 75 of 314
Paul of adel Posted at 1:09 PM April 05, 2013
All you misguided idiots need a clue. It wont even affect majority of you. Get the facts before going off about something you clearly have no idea about. This is on $ EARNED AFTER 100K. Stop bagging the governement when you have no idea.
Comment 76 of 314
Superannuation sucks Posted at 1:08 PM April 05, 2013
Superannuation for single mothers - where they take money you desparately need for your kids now and send you a letter every year telling you how much of that money they have lost for you.
Comment 77 of 314
Corey MacDonald of South OZ Posted at 1:08 PM April 05, 2013
I guess their making up from the lost mining tax revenue that didnt work.
Comment 78 of 314
Paula Posted at 1:08 PM April 05, 2013
Another cash grab by a government that can't balance it's books. Tax concessions are not costing the government - the money was never theirs to start with! It belongs to the people who work long and hard to earn it. We're not in Cyprus Wayne - you can't just go in take our personal savings. Can't wait until Sept 14 when we can get rid of Labour and the Greens!
Comment 79 of 314
Scott of Vic Posted at 1:07 PM April 05, 2013
Bring back Howard and Costello & Kennett
Comment 80 of 314
Kate of Qld Posted at 1:06 PM April 05, 2013
Dale of Melbourne either you are filthy rich having $2 million in your super that would give you earnings of maybe $100,000 a year and in this case surely you would want to help the 99% less fortunate. Otherwise you have misunderstood thinking that if you have $100,000 in super you will be taxed. This is definitely not the case. The Lliberal Party dragged the chain for 20 years before Labor under Hawke and Keating introduced superannuation for everyone in the 80's and with union activism all funds will increase from the present 9% to 12% so that in the future most people will be able to retire with dignity and be self-funded retires. Hopefully you can appreciate that the population is aging and there will not be enough workers to create tax to pay pensions. Stop listening to the scaremongering of the LNP or those who simply do not understand.
Comment 81 of 314
Sandy of Bne Posted at 1:06 PM April 05, 2013
Let's see the politians sign off that they won't give themselves a payrise to cover their shortfall. They are the only ones I can see having that option available.
Comment 82 of 314
Scott of Melbourne Posted at 1:04 PM April 05, 2013
What give? This is money I am putting away for when I retire. The same retirement that governments keep telling us cannot be funded by pensions. Can I have the logic please, other than covering a budget deficit? The top of the food chain is not as big as many people think it is, more taxes on super is just like tax bracket creep that was engineered to grab more of our money. Capital gains tax on retirement savings â what a joke. Why stop at super? There is still some change in the kids piggy banks Wayne.
Comment 83 of 314
Saile of Sydney Posted at 1:03 PM April 05, 2013
I thought the last Straw was the Carbon Tax, now there is nothing left of the Straw to help Labor.
Comment 84 of 314
Jason of Sydney Posted at 1:03 PM April 05, 2013
The government should be encouraging people to save for their retirement as this reduces the governments future liabilities. I have previously done the right thing and contributed 12 per cent, rather than 9 per cent. Because the government is changing the game, I am no longer confident that my retirement savings will be protected. I will be changing my contributions to the minimum going forward. I think there will be many others who will do the same. This government needs to stop it's class warfare. As someone who fit's in the governments supposedly 'wealthy' category, I will find more tax effective ways to invest my money in the future. The government will not get the forecast revenue increase from people like myself.
Comment 85 of 314
Tony of Brisbane Posted at 1:02 PM April 05, 2013
Rob, (comment 256) are you referring to the Government that has maintained the best economy in the world in the current climate when you say 'More bad policy from the worst government we've ever had'?
Comment 86 of 314
Lemo Posted at 1:01 PM April 05, 2013
To Dale of Melbourne, Tony Abbott has already said he won't be repealing these changes if/when the Libs get in. He thinks this is just as good an idea as Labor do but just doesn't want to say so. Talk about having your cake and eating it too!
Comment 87 of 314
Sickofit Posted at 1:00 PM April 05, 2013
What this government steal from hard workers, may just be enough to cover polies and polies staff super, maybe. Why can't this government stop spending and wasting money? I bet it won't stop here, they keep raiding, Australia Post, Medibank Private and now super, I really hope they are voted out in September.
Comment 88 of 314
The Realist of Perth Posted at 1:00 PM April 05, 2013
Shorten and Swan talking about a fairer system! Do you know what fair is? Working your ass off your whole life, investing in you superannuation to ensure that you can retire in comfort without being a burden on the Australian public by needing to live of the wear system. That is what is fair. A fair days pay for a fair days work = a fair go for superannuation after a fair life's work. I am so sorry that I show drive and ambition and manage to save for my future, once again these fools show that we should be striving for mediocrity so as not to become the cash cow for lazy. Had enough!!!
Comment 89 of 314
Peter of Brisbane Posted at 12:59 PM April 05, 2013
I planned on maxing out my super contribution each year until i retire. Thats 25k added, meaning 21250 in money a year. At 3% real growth i would have 1.7 million at retirement when i retire at 65. (if someone starts at age of 20 they would have 2.05million) Early on in my career, saving 25k out of my pay is a HUGE percentage and is a struggle. Compare that to someone who wastes their money on new gadgets (tablets, smart phones), cars and holidays and doesn't save at all. At retirement they are treated as a battler who has gotten unlucky. While i am treated as a rich person. There is just no incentive to bother saving.
Comment 90 of 314
Just saying Posted at 12:58 PM April 05, 2013
Earning money on super? What a concept.
Comment 91 of 314
antman of freo Posted at 12:58 PM April 05, 2013
Judging by the comments here, there is an epidemic of stupidity in Australia. A tax of 15% on super funds that generate an income stream (not on contributions, which can in no way be classified as earnings as one idiot claimed, not on capital growth as many seem to be assuming) over $100,000 per annum during the retirement phase. And it may even only apply to the portion of income stream that is over that limit, not on the whole lot. It's incredible that so many are unable to read (or just can't be botheres to read past the headline) and don't understand the difference between contributions, growth and income.
Comment 92 of 314
tk of Sydney Posted at 12:57 PM April 05, 2013
Now I've got a headache. Need to go to doctor and waste more taxpayers money. Thanks Swan
Comment 93 of 314
cyc0tic of Caberra Posted at 12:55 PM April 05, 2013
Mr Swan clutching at straws much? I hope this cash grab is as useless as the resource tax
Comment 94 of 314
Scott of Melbourne Posted at 12:55 PM April 05, 2013
How many free kicks are the ALP giving out? Bye bye at election time.
Comment 95 of 314
CHris of Adelaide Posted at 12:55 PM April 05, 2013
Yet more proof they can't manage money. still from the present to affect the future. Seems like the labour way. will they be paying this tax on their over sized wadges. I doubt it. supers been hurt enough with the GFC. time these clowns were sent to the queue at centerlink rather than being left to run our county into the ground.
Comment 96 of 314
former banker of Australia Posted at 12:55 PM April 05, 2013
A few points: $100k pa of EARNINGS WITHIN the super fund, means the balance has to be $1m to $2million approx. Defined benefits schemes ARE affected = pollies are caught in the net too. Affects 16,000 wealthy Australians. I'm an above average income earner plus have my own business. Can't see this EVER affecting me. More than 5% pa earnings in a recession? LOL If you're getting more then 5% then check you're not in a ponzi scheme.
Comment 97 of 314
Shannon of QLD Posted at 12:54 PM April 05, 2013
I don't earn 100k... I'm not even close yet... but I'm trying to get there... I have to ask... does this government want to get booted in september? Me, I only want nbn... but the cons are beginning to outweigh the pros
Comment 98 of 314
super sucks for the poor who need the money now Posted at 12:54 PM April 05, 2013
I don't earn much and my super doesn't seem to earn money, more costs money in their fees. If I had 100,000 in there earning income that would be good. As it is it's like being forced into a stupid investment where the fees are more than the income. Not worth it.
Comment 99 of 314
Settle Pettle of Adelaide Posted at 12:53 PM April 05, 2013
When did we start living in a country where so many people care so much about the super rich! This change affects less than ONE PERCENT of Australians...the richest of the rich for crying out loud. Most of the haters commenting on this site are extremely ignorant of the changes just announced. Don't forget that Tony Abbott and his colleagues tried to prevent you having super in the first place but you are all rushing to vote him into government. Abbott's only policy announcement on super is that he is going to REMOVE TAX BREAKS for low income earners.
Comment 100 of 314


text:
By setting a timetable for your working week. It doesn't have to be the same routine every week, but plan the following week's schedule so that personal and business commitments are separated and you allow sufficient, uninterrupted working hours each day. This ensures that when meetings are arranged, professionally or socially, you won't let anyone down. More importantly, it also means that you can relax, knowing you have an effective schedule, can take proper breaks and end your working day at a reasonable time. If you live with a partner or family scheduling is particularly important if you are to maintain a balance between your personal and work lives.
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Building meetings outside of your home into your working week means you actually get out and speak to people. It also means that you are engaged in building your professional network and promoting your business. A great way to do this is to use a co-working space. These are open-plan, shared workspaces where you can hire a desk by the day or half day. They often have social cafeterias and business events that you can attend to learn new things and make new connections.
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A good mentor can help you succeed. They're usually someone who has been in business, having started from exactly your position; someone who has overcome similar challenges. They may have specialist knowledge or networks you can tap into and will ask you questions to test your thinking. It's good to be challenged in this way. A good mentor will help you see things from an external, impartial perspective, which can be incredibly valuable when you're working from home, mostly by yourself. Equally important, a good business mentor also brings compassion and empathy and cares about your long-term success.
Copyright © 2014 Zoe Brown. Zoe Brown is a business manager at Bright Ideas Trust, a charity that helps young people in London who aren't in employment, education or training or "who haven't had the same chances as the rest of society to start their own companies and learn business skills that will stay with them for life".
Cheers for this post. I am myself in Network Marketing and I am helping a few with it. They think i'm nuts when i say what you are, they forget that at home they need MORE discipline and less distraction. I find its not only the home based business owner but their families also need to adapt and need to know that when they are sat at the computer they are working, not just playing games online and can nip to the shops at any time.Thanks again for your articleJames

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February 27, 2013 - Products
The IPA Mobile Tire Pressure Equalizer introduces a new, fast and efficient method to accurately read and inflate tire pressure on multiple tires (up to five) at the same time. IPA has launched the Equalizer to help fleets ensure they are realizing the greatest fuel economy and tire life possible to help reduce costs.
Minute discrepancies in tire inflation can have profound effects on both tread wear and fuel economy as even a 1/4-inch variance in tire size will cause the larger tire to support extra weight.
The Mobile Tire Pressure Equalizer is designed to quickly inflate or deflate up to five tires at a time. It is equipped with two integrated high-capacity air regulators, and two accurate, high-resolution, glycerin-fill
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What Alice Forgot
by Liane Moriarty
Books Read in 2015 (114)
Top Five Books of 2013 (1,357)
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Liane Moriarty writes stories mixed with humor and irony. I have read two of her novels and I thoroughly enjoyed Big Little Lies. What Alice Forgot does not provide the laugh found in Big Little Lies, but the light-heartedness remains. Alice bumps her head and loses the memory of ten years of her life. The journey to regain those ten years provides Alice with a bitter look at the current Alice and gives Alice an opportunity to rectify her mistakes. What a wonderful chance, but the story drags in many chapters. The chapters alternate between Alice, her sister, and her adopted grandmother. The sister, writes painfully to her therapist about her inability to have a child and the grandmother writes a blog about Alice. In a sense, the sister's and grandmother's voices follow an epistolary novel format reminding me of Samuel Richardson's Pamela. They might also be used as a Greek chorus to explain the events of the story. The novel ends abruptly with many years elapsed in which the reader misses the "rest of the story".
I am on page 106, and yet feel compelled to write a review now.
The book starts out well, but you get the feeling as you read further that the author is clutching at sentences to pad this book out, as the plot thins. The amount of body shaming in it is mortifying. For example:
(while Alice is looking at her sister Elizabeth)
"Alice caught a glimpse of her skirt pulling unflatteringly across her stomach and quickly looked away; it made her want to cry."
"It was something you were meant to say to your girlfriends at regular intervals to show you were a proper woman: 'Oh God, I'm so fat!' "
REALLY? Is that what a proper woman does?!
The whole book is littered with references to Alice's formerly perky breasts (after 3 children) and flabby body.
I really enjoyed Little Big Lies, so I'm assuming the author has honed her craft in 4 years, but I'm not sure how much of this book I'm going to read. The only thing keeping me going is wanting to find out about the big incident in her life she can't remember.
Probably not the wisest choice after "before I go to sleep" as they are a bit similar. Also not the best choice when I read "the husbands secret" by the same author recently as well. However I did enjoy it. I do think she is a talented writer and I am reading another book by the same author so count me a keen fan.
Miroslav Volf raises the idea of intentional forgetting as a part of reconciliation. This story explores that idea as well; how might relationship be reconciled if we could forget that which created separation? I also liked the exploration of how life proceeds in ways we do not imagine. What would our 30 year old selves think of our 40 or 50 year old selves? What might the ages have to share with each other?
My neighbor invited me to join a new book club, and while I'm skeptical of book clubs I really like my neighbor and would like to spend more time with her and other women readers. The first book chosen was this one by Liane Moriarty, whose name I've seen often in my twitter stream and blog wanderings, but whom I've never read.
I've seen Moriarty's books variously described as mysteries or contemporaries with a twist. They usually focus on a group of women (sisters or friends) and their domestic lives: marriage, children, running a household, etc., from what I understand. It's not my usual choice but I was more than willing to read it if that was the book club book.
This is an amnesia plot. Alice, our main POV character, knocks herself out during a spinning class and when she comes to, she thinks she's a 29 year old pregnant woman who is happily married to Nick. She's shy, a bit scattered, and unfashionable. But she soon discovers that it's ten years later in her life and she's a thin, Type-A Yummy Mummy about to turn 40. Oh, and she has three children and is involved in nasty divorce proceedings with the now-horrible Nick.
Alice struggles to make sense of the way she feels v. the way she seems to live now. She remembers nothing of her current life and she can't understand why she's estranged from her sister Elisabeth, why she and Nick apparently hate each other, and why she is so good at wearing lovely clothes and perfect makeup. And what happened to their fixer-upper house which is now a showplace with a pool?
This is a great setup. I often enjoy amnesia plots and Alice has a chance for a do-over, if she can get a handle on what happened. And she eventually does. Much of the disconnect revolves around Gina, who was as important to her as her family, but whose name everyone tiptoes around in conversation.
But while the book started out strongly, it faded fast for me.
The first problem was the writing style. Moriarty has this breezy, stream of consciousness style, which got old fast. So many words for so little action or introspection. Alice is going through major emotional upheaval, but it doesn't really come through in the writing. Think Lifetime Movies. And Moriarty reverts to the time-honored epistolary technique to convey information through not one but two POV characters. But these letters aren't seen by anyone else, let alone responded to, during the book. So they serve more as infodumps that break up Alice's narrative.
The second problem was that there's not much in the way of story, whether you're looking for plot or characterization. Alice is confused; young Alice is more appealing than middle-aged Alice but we don't know what happened to middle-aged Alice until the very end. Nick is sweet in the past and a workaholic, disengaged father now, but in neither period do we have a sense of what makes him tick. Gina is pivotal but the big reveal is a damp squib. The children have the potential to be interesting but only the eldest gets much complexity and even that is predictable.
The third problem is partly a Me Problem and partly a Book Problem. The women and community Moriarty write about are the Affluent Mom world, one which I have no interest in, and she's not a good enough writer to bridge that gap and make the characters and context resonate for me. The novel is centrally concerned with infertility and motherhood, with a secondary interest in the marital and household problems of privileged white women. All these things are described in far more detail than the interior lives or other external aspects of any of the characters. The adults have careers, but we barely understand what they are. The children have talent, we're told that, but it doesn't help us understand them as people. Everything is just very superficial. I've read plenty of books about people I don't understand or relate to but who become very real to me. That didn't happen here.
There is an epilogue which adds more icing to the confectionery cake, with maybe one surprise in it. HEAs all around. I was just relieved it was over.
Twenty-nine-year-old Alice Love is pregnant with her first child, adores her husband, Nick, and has never set foot inside a spinning studio. Thirty-nine-year-old Alice Love suffers a sudden fall in her Friday spin class, wakes up with a splitting headache, and finds out she has three children and is in the middle of custody proceedings. Without any concrete memories of the past 10 years, Alice tries to figure out how her free-spirited 29-year-old self became a volunteer-coordinating, spin-class-attending 39-year-old woman. What Alice Forgot is an often funny, sometimes heartrending, deeply personal portrait of a woman attempting to unravel her own mystery.
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Suffering an accident that causes her to forget the last ten years of her life, Alice is astonished to discover that she is thirty-nine years old, a mother of three children, and in the midst of an acrimonious divorce from a man she dearly loves.
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Grimes, Patricia Ann
Birth: Monday, June 25, 1934
Residence: La Plata, Maryland
Death: Saturday, November 22, 2014 at the age of 80
Condolences: Click to View or Post
Patricia Ann Grimes, 80, of La Plata, MD died on November 22, 2014 at the University of MD Charles Regional Medical Center in La Plata, MD.
Gathering on Monday, December 8, 2014 from 6PM until time of the Funeral Service beginning at 7PM at the Raymond Funeral Service Chapel, 5635 Washington Avenue, La Plata, MD 20646. Interment will be private.
Memorial contributions are asked to the American Legion Post #82, PO Box 441, La Plata, MD 20646. Arrangements provided by Raymond Funeral Service.
Allen, Agnes Lucretia
Birth: Sunday, January 18, 1931 in Washington, D.C.
Residence: Hollywood, Maryland
Death: Saturday, November 22, 2014 at the age of 83
Condolences: Click to View or Post
Agnes Lucretia "Cricket" Allen, 83, of Hollywood, MD, formerly of Forestville, MD, died November 22, 2014 at Hospice House of St. Mary's
She was born January 18, 1931 in Washington, DC, to the late Albert Farr and Helen Armiger Farr. She grew up in Anacostia, an historic neighborhood in D.C. I May of 1947 she married her beloved husband, Philip Jackson Allen and eventually settled in Forestville, MD to raise their family. Together they celebrated 26 wonderful years of marriage before his death on February 19, 1973.
Cricket never met anyone without offering a warm smile or a loving hug. She loved people and people loved her from the moment they met her. She lovingly dedicated her life to motherhood, devoting her time to raising her three children and being a wonderful homemaker. She took great pleasure in helping others in her neighborhood. She cherished spending time with her family and grandchildren. She had an enormous, kind, giving heart to not only her family but to everyone. She touched the lives of all that knew her.
She is survived by her children, John P. Allen (Rose) of Waldorf, MD, Dr. David C. Allen (Margie) of Hollywood, MD and Linda J. Church (Jeff) of Friendship, MD, 6 grandchildren and 4 great grandchildren.
Family will receive friends for Cricket's Life Celebration on Sunday, January 18, 2015 from 2 p.m. till 4 p.m. at First Saints Community Church, St. Paul's Leonardtown Campus 22550 Point Lookout Road, Leonardtown, MD. A prayer service will be held at 3 p.m.
In lieu of flowers, contributions may be sent to The Cystic Fibrosis Foundation, 10626 York Rd., Suite A, Cockeysville, MD 21030 or to Hospice House of St. Mary's, Post Office Box 625, Leonardtown, Maryland 20650. Arrangements by the Brinsfield Funeral Home, P.A., Leonardtown, MD.
Cather, Valerie Gay
Birth: Wednesday, December 22, 1965
Residence: Coltons Point, Maryland
Death: Saturday, November 22, 2014 at the age of 48
Condolences: Click to View or Post
Valerie Gay Cather, 48, of Colton's Point, MD died Saturday, November 22, 2014. Born on December 22, 1965 to the late Lawrence Bowen and the living Cynthia Oden.
Family was the most important aspect of Valerie's life. She was a loving wife and mother. She loved her dogs and enjoyed boating. She was always happy and full of life. She was very much loved by her family. She will be missed everyday by all who knew her.
Growing up Valerie spent a great deal of time with her grandparents whom she admired the late Norman Stanley Oden and the living Ruth Elizabeth Oden and an Uncle Stephen Oden who was her best friend.
In addition to her mother, grandmother and uncle she is survived by her husband of 4 years Andrew Leroy Cather, Sr., one son Brenton Scott Underwood, two daughters; Heather Dawn Underwood and Whitney Page Underwood, one step-son Andrew Cather, Jr, two sisters; Pamela Sue Burns and Jennifer Wise, one half-sister Christine Petras and many cousins.
Memorial contributions are requested to Alzheimer's Foundation of America, 322 Eighth Ave, 7th floor, New York, NY 10001. A gathering and time of remembrance will be on Saturday, November 29, 2014 from 2 Â 4 PM at Raymond Funeral Service, P.A. 5635 Washington Ave, La Plata, MD 20646.
Wayland, Kimberly Ann
Birth: Friday, September 06, 1957
Death: Saturday, November 22, 2014 at the age of 57
Condolences: Click to View or Post
A Funeral Service will be held on Saturday, December 6, 2014 at 11:00 AM in the Mattingley-Gardiner Funeral Home Chapel with Rev. Paul Goodwin officiating. Interment will be private.
The family will receive friends on Saturday, December 6, 2014 from 10:00AM Â 11:00 AM in the Mattingley-Gardiner Funeral Home Leonardtown, MD.
McLaughlin, Richard Gardner
Birth: Wednesday, February 25, 1925
Death: Saturday, November 22, 2014 at the age of 89
Laid to Rest: Thursday, December 04, 2014 in the Mt. Zion United Methodist Church Cemetery, Mechanicsville, Maryland
Condolences: Click to View or Post
Richard Gardner McLaughlin passed away on November 22, 2014 at the age of 89.
He was the loving first-born son of the late Mary Ernell McLaughlin. He served in the United States Navy Pacific Theater, World War II. He graduated from Georgetown University School of Foreign Service and University of Baltimore Law School.
He is survived by his four younger brothers, Robert, Eugene, Donald and Alan, and by sisters-in-law, Evelyn Patricia McLaughlin, Annette McLaughlin and Gabriele McLaughlin. Richard served his family and inspired his brothers by his positive example.
A Funeral Service will be held on Thursday, December 4, 2014 at 11:00 AM in Mt. Zion United Methodist Church of Laurel Grove, Mechanicsville, MD, with Rev. Susan Carns officiating. Interment will follow in the church cemetery.
Arrangements provided by Mattingley-Gardiner Funeral Home.


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Goodnight Moon Big Book Paperback – Jul 3 2007
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Perhaps the perfect children's bedtime book, Goodnight Moon is a short poem of goodnight wishes from a young rabbit preparing for--or attempting to postpone--his own slumber. He says goodnight to every object in sight and within earshot, including the "quiet old lady whispering hush." Clement Hurd's illustrations are simple and effective, alternating between small ink drawings and wide, brightly colored views of the little rabbit's room.
Finding all of the items mentioned throughout the book within the pictures is a good bedtime activity--a reappearing little mouse is particularly pesky. By the end of the little rabbit's goodnight poem, the story has quieted to a whisper, and the drawings have darkened with nightfall. As you turn the last page, you can expect a sleepy smile and at least a yawn or two. (Picture book) --This text refers to the School & Library Binding edition.
From Publishers Weekly
Just in time for gift-giving season, the two hardcover staples for every nursery Goodnight Moon and The Runaway Bunny by Margaret Wise Brown, illus. by Clement Hurd are now available in a handsome fabric-covered shrink-wrapped cardboard sleeve as A Margaret Wise Brown Gift Set. In addition, an oversize board book edition of Goodnight Moon makes the great green room larger than ever, allowing readers to trace with ease the tiny mouse that appears in each spread. (Sept.)
Copyright 2001 Reed Business Information, Inc. --This text refers to the School & Library Binding edition.
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I think what makes this book so special, among many things, is that it's short, full of contrasting, bright colors, and the fact that "Mommy" is reading it. I cuddle up with her and have the lights dimmed and she's dressed and ready for bed with her favorite blanket, relaxed and ready to look and listen.
The part after, "Goodnight comb, And goodnight brush," where it next says, "Goodnight nobody," I have placed a baby picture of my daughter and we say together, "Goodnight________,"(her name.) She enjoys seeing herself in the book and I think it's great for her to basically tell herself to go to sleep!
The last full-page spread (which by the way, every colored page is a full-page spread) is particularly pleasant; the lights are dimmed in the baby bunny's room, he's in in his pajamas in his bed under the covers and the only things that are dominant and glowing are the moon and night stars, the fire in the fireplace, and the toyhouse's lights. Looking at that, what else would a child want to do but follow the bunny's lead and go to sleep? Goodnight Moon! (Big yawn...)
Suggestion: If your child doesn't want to let you leave after reading the book, you can make up your own "Goodnight ROOM" story and help him/her say goodnight to objects in his/her room. This in addition to the book, should do the trick!
"Goodnight Moon" is the quintessential bedtime book. It is worded perfectly for a relaxed pace and soothing tone from the reader, as well as a nice poetic rhythm. The little bunny in the story says goodnight to objects in the room as he goes to bed; you can continue from this book to say goodnight to objects in your child's own room. As you read, watch the moon rise and the time change on the clocks, and remember to look around the room for the mouse!
I am perplexed by the reasons given by some reviewers as to why they don't like this book. As for boredom, any adult can become bored with a children's book of this level when it's read over and over and over (and over), as children of this age require of you. "Goodnight Moon" is not aimed at adults. That obvious fact being said, I have *never* been bored with this long-memorized book in four years of reading it (over and over and over), because it is so well written.
One current reviewer claims there is no lyricism or poetry to the words, which left me agape -- anyone who can speak English decently well could feel the rhythm and lyricism in the text, and read it accordingly. Was she reading a different book?
To the reviewer who noted the "tired catalogue of meaningless objects," remember that small children need repetition to learn -- "Read it, Papa, read it (over and over and over)!" -- and no objects are meaningless to them. They are curious about everything; it is we adults who often narrow our curiosity too much, teaching our children to do likewise. And of course, the worth of artwork is always a matter of opinion -- he is obviously a "modern art" person from his other reviews, so he knows this very well.Read more ›
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Good book, my baby girl at one year old is very interested in.Published 1 month ago by Amazon Customer
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Looking for someone to work with a team of developers to complete a website for a start-up jewelry company. Must be proficient in using CSS to design the layout of the site as well as incorporating PHP and AJAX frameworks such as Spry and API's such as Google Checkout. Knowledge of XML and the ability to parse XML are also important.
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Mark 1 Deluxe Stopwatch PINK
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Collective Investment Trusts as Retirement Plan Investment Options: Important Tax and ERISA Considerations
Correcting Problems With Your Retirement Plan
The landscape for the retirement plan business has radically changed since when I first started in 1998. Normal courses of business such as revenue sharing and non-transparency of fees were the order of the day. No one cared...more
When I was a kid in the 1970's, disco was the biggest thing. By 1980, disco was dead thanks to a backlash. People didn't know it at the time, but disco died the night of July 12, 1979, thanks to the riot during a White Sox...more
How Retirement Plan Providers Can Deal With The Fiduciary Rule Change.
Adapt to this change.
At its prime, Blockbuster Video had 9,000 stores and was actually bought by Viacom in 1994 for $8.4 billion. Then some...more
The Future Is Now For 401(k) Plan Sponsors.
The future is here.
When I was the head ERISA attorney at a New York based third party administrator (TPA), I left because I saw the future of the retirement plan...more
In life, giving people a wide variety of choices is a good thing. However, when it comes to daily valued 401(k) plans, too many choices isn't a good thing. It sounds counter-intuitive, but too many choices offered to plan...more
How to Communicate and Understand Retirement Plan Sponsors.
There is a method to it.
Being a retirement plan provider isn't just about selling services, it's really about selling yourself and you can't sell yourself...more
In the last several months, plaintiffs have filed multiple class action lawsuits against plan sponsors, plan fiduciaries and stable value fund providers. These lawsuits, which have involved 401(k) plans sponsored by large...more
The New Fiduciary Rule: What It Means To Plan Sponsors -
Bottom line: what does it mean?
More than a dozen years ago, there was a medical report that dental plaque could cause heart disease. I thought it was some...more
There was a new 401(k) plan sponsor survey on which providers are associated with being a "good value for the money".
Providers Most Associated with "Good Value for the Money" -
Among all plan sponsors...more
Background -
Sponsors of preapproved defined contribution retirement plans were generally required to sign new plan documents on or before April 30, 2016 that incorporated changes required by the Pension Protection Act...more
The Struggles Of Being A Retirement Plan Provider And How To Manage It.
What you have to deal with.
Any good retirement plan financial advisor will tell you that relationships in the retirement plan business mean...more
The New Fiduciary Rule: What It Means To Plan Sponsors -
Bottom line: what does it mean?
If you're a retirement plan sponsor and, unless you've been living under a rock, you've probably heard about the Department...more
Editor's Overview -
This month we feature three key developments. First, we review the U.S. Supreme Court's decision in Gobeille v. Liberty Mut. Ins. Co., 136 S. Ct. 936, 947 (2016) wherein the Supreme Court held that a...more
I had a few advisors who asked me about offering investment education as it pertained to the fiduciary rule, but it's clear that the Department of Labor wants it offered when it made a carve out to the final rule to allow for...more
The Struggles Of Being A Retirement Plan Provider And How To Manage It.
What you have to deal with.
Being a retirement plan provider is like any other business in the sense that it has to be managed in a way...more
Things About Plan Providers That Shouldn't Impress Plan Sponsors.
Don't get bamboozled.
There are certain things in life we really should be impressed by, but we always end up being impressed by the wrong...more
When I worked at that law firm, I always felt I was Al Czervik, the Rodney Dangerfield character from Caddyshack while the Managing Attorney was like Judge Elihu Smails or maybe Smails' wife since the Managing Attorney was...more
The Internal Revenue Service (IRS) recently issued Notice 2016-16, which provides safe harbor 401(k) plan sponsors with increased flexibility to make mid-year plan changes. Notice 2016-16 sets forth new rules for when and...more
Prior to the Internal Revenue Services' (IRS) recent issuance of Notice 2016-16 (the Notice), employers that sponsored safe harbor 401(k) retirement plans were uncertain about whether any mid-year changes to their plans would...more
What A Retirement Plan Financial Advisor Needs And Where To Get It.
Stuff you need and where you can find it.
A checklist is an informational aid that is used to reduce failure by compensating for the lack of...more
At last . . . the Internal Revenue Service (IRS) finally provides mid-year safe harbor guidance. Etta James's legendary cover of that song is fitting considering the many years that employers have waited to receive this...more
I always talk about how plan sponsors need to work with experienced financial advisors, third party administration (TPA) firms, and ERISA attorneys on their plan needs.
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Orange Cinnamon Tea Blend
Total Time
Prep 5 mins
Cook 0 mins
My family always gets homemade gifts from me and they're always expecting new things from me.So I'm on the look for new stuff to make.
Ingredients Nutrition
- 1⁄4 lb ceylon tea
- 4 tablespoons diced dried orange peel
- 1 tablespoon ground cinnamon
- Mix all ingredients together.
- Put in your tin or jar and label with instructions if giving as a gift.
- Use 1 teaspoon per cup of boiling water and steep 4 to 5 minutes.
- Garnish with orange peel.
Most Helpful
Review updated...please read in it all. I was a bit disappointed in this recipe initially. At least in the quantities given per cup...it is too weak. Not much flavor. The only reason I didn't rate it lower is that I will agree that I prefer a more bold flavor in tea. I decided today to make an amendment to this review. I didn't want to just throw this out so left the orange zest in the container for several hours last night. Just before going to bed I strained the tea to remove the zest and put it into the refrigerator. The orange zest sitting in the tea for several hours did improve the taste considerably. I will probably try making this again in the future but will let the tea bags steep for about an hour for better flavor. I find that when making Iced Tea you have to let the tea steep much longer than when making a pot of hot tea. It probably has to do with the fact that the Iced Tea is going to be much more diluted with the addition of more water and ice. Made for ZWT #6 - 2010.
What a lovely treat little. My dear friend Annacia told me that I had to try this. She was so right, I loved it. It was absolutely wonderful. I really enjoyed the bold rich flavors. It was quick and easy to throw together and was very impressive looking. Thank you so much for sharing this treat. Made for May Pool party/10 :)
Little, I was expecting this to be good but it ha really exceeded my expectations. This is nothing short of a gourmet experience. I used dried blood orange peel, the ground cinnamon and I added a cinnamon stick to the jar just for looks. I still have big 4 ounce tea bags left from the cafe and they are just the perfect thing for this, just open a bag and mix in the orange and cinnamon. How easy can you get? The reward for this small effort is so much more than worth it! It's very cinnamon rich and sultry tasting with a light essence of orange.


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WWE Superstar John Cena is on the April cover of Muscle & Fitness magazine. He tweeted the following today: "10yrs…
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Morgan Lewis provides comprehensive transactional, litigation, labor and employment, and intellectual property legal services to clients of all sizes-from global Fortune 100 companies to just-conceived startups-across all major industries. Its internation... more
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Yes. You are right. But the article also explain another problem and that is that you cannot prop up your stock by filling your larder with services that garner a P/E ratio that is a fraction of yours. Unless you think that you can cross sell it for drastically less cost and/or charge much more.
In fact, and Zacks does not know the field well enough to think of this, you cannot charge as much for the peripheral services if they are offered under the imprimatur of a single company as you can if offered by a third party. Reason is that the client forgets the scope of the value proposition and simply compares sticker prices of different companies. Doctors are not rocket scientists. Or imaginative. They memorize. Or should I say memorized. They are not people who figure things out. They were taught everything they know. The ones with vivid imaginations flunked out.
Cheap is good. Expensive is bad. Except for ego gratification. And having multiple vendors plays into their propensity to see a narrow scope and to find fault with the penultimate vendor.
Epocrates is just another business. It has been around for years. I would bet but do not know for sure that they have ten times or more the number if clients as Athena. And they pay pennies for the service compared to Athena. And the idea that you are going to cross sell Athena to Epocrates clients is laughable.
Acquisitions of this type are raging indications of desperation.
This close to reporting of audited numbers I think it makes sense to wait to short again. I got 30 points at max on the first short and gave away about ten. So I will wait until I see some broad awareness. Also I want to see whether the institutions have unloaded during the last quarter. The SEC allows them to report by paper and take 45 days so that the retail investor is handicapped. It is a system for the rich, by the rich and of the rich.
It matters not which party is in power.
Sentiment: Strong Sell
Hey G-orgy
In an earlier post of yours (dated Nov 26) you were convinced institutions were unloading for window dressing. Now you say you'll wait to see if they unloaded during last quarter. Which is it Forest? Can't have it both ways loser. You've been exposed for the fraud that you are. Go ahead and read that post. Complete garbage by a disgruntled ex-employee. On a lighter note, it was about time you covered and saved your @##. But you are still talking #$#$. Give it up Forest.
""Institutions are not like kids with etrade accounts in one way only. They face reality at the end if each year because they have to answer to their investors. Which is not to say that they are dissimilar to children at the beginning of the year. But now is when they will look at the $40 collapse and look at the future prospects as against their other investments and they will sell their Athena gains (they rode it up and still account for more stock than is in the float) to shelter their losses.
They have one more month to do that.
If I am right this stock will plummet below $40 by end if year. If I am wrong it will drop below $40 at some other proximal point in the future. Either way this stock will never ever again see $75 unless something happens that dramatically changes its fundamentals."
The above is you talking from your Nov 26 post. Before you post anymore garbage take responsibility and admit you are A PAID BASHER. You are so......pathetic. Jack#$$


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Billings Farm features Estonian filmDecember 29,2012WOODSTOCK The Billings Farm and Museum will show the 2009 documentary Disco and the Atomic War today at 3 p.m.
The documentary takes place in Soviet-occupied Estonia where the Soviet Union waged an information war against Western pop culture and lost. The film shows how Finnish television influenced Estonians even when the Soviet authorities blocked it.
Estonians did not care about Vladimir Ilyich Lenin or Karl Marx. Instead, Estonians wanted to know who shot J.R. Ewing from the hit TV series Dallas and the latest disco moves.
The movie is subtitled in English and runs 80 minutes. For tickets, call 457-2355 or visit www.billingsfarm.org/filmfest.
The Billings Farm and Museum is at Route 12 and River Road in Woodstock.MORE IN This Just InMore than 26,000 people were without power when severe thunderstorms rolled through the state in... Full Story
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text: Brazil digs in Michael Reis June 1, 2008 No Comments Ever since the Vitória Stone Fair began taking place in the stoneworking region of Vitória, Brazil, in 2002, the show's growth and energy has mirrored the explosive growth of Brazil's stone industry. This past edition, however, took place at a time when the nation's industry is facing its first real challenges since becoming a major player in the international stone industry. Because Brazil relies heavily on the U.S. as an importer of its finished stone products - particularly granite slabs - the downturn in the U.S. housing market has had a noticeable impact on the Brazilian stone industry. Read More


text: .S. home construction posted solid gain in June Posted on July 20, 2016 - 11:27 AM by bruce naylor WASHINGTON (AP) – July 19, 2016 – Construction of new homes posted a solid increase in June, led by a surge of building in the Northeast and the West. The Commerce Department said Tuesday that housing starts rose 4.8 percent to a seasonally a... Read more


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Welcome to the Rotary Club of Stratford-Upon-Avon
Featured pages:
The highly regarded Shakespeare Marathon and Half Marathon, organised by our Club for over 30 years, takes place on Sunday 24 April 2016.
Entry now open. Raising money for charity.
/upimages/clubfiles/392/Shakespeare Marathon and Half Marathon 2016 website.htm
Meeting Information...
We meet on Mondays at 12.45 Check Weekly Meetings
The Falcon Hotel, Chapel Street, Stratford upon Avon
Note: We also have a satellite group meeting on the 2nd and 4th Monday evenings at the Bear (Swans Nest Hotel 7:30pm) but anyone planning to come along should Contact Us first as the venue may vary.


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Meet the Plastic Surgery Staff Washington DC
Administrative and Specialized Personnel
- Victor Lowe – Practice Administrator
- Crystal Zorn – Aesthetician BS, LE
- Marcia Scorpio – RN/Laser Specialist
- Kelly McLaughlin – RN, BSN
- Bridget Nicholson – RN, BSN
- Nicole Meyer – Medical Assistant
- Gilit James – Surgical Coordinator
- Jenny Woodfield – Surgical Coordinator
- Karen Higgins – Surgical Coordinator
- Camilla S. – Front Desk
- Kim S. – Front Desk
- Christy Peer – Aesthetician BS, LE
- Christy has been a licensed esthetician since 2008 after graduating as valedictorian from the Laurel Business Institute School of Esthetics and Professional and Corrective Makeup outside her native Pittsburgh, PA. Upon graduation, Christy gained additional medical esthetics knowledge through assisting physicians in a medical spa setting. Christy is trained in chemical peels, microdermabrasions, dermaplaning, and non-invasive body contouring treatments, and is well-regarded in her ability to apply professional and corrective makeup. Additionally, Christy received her Bachelor of Science in Business Administration and Marketing.


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Here you can download all old versions of the Rapid Typing Tutor and additions.
Edition of 15 December 2009
RapidTyping Setup (1.97 MB)
RapidTyping Setup in zip archive (1.8 MB)
RapidTyping Portable (3.2 MB)
Themes Add-on Setup (1.9 MB)
Touch Typing Lessons Add-on Setup (0.1 MB)
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19 Unforgettable Simple Cake Recipes
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Irish Black Ginger Cake
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This unique ginger cake is loaded with flavor from molasses, coffee and spices like cinnamon, cloves and ginger. This cake is so tasty it doesn't even need frosting, but if you're craving a sweet topping, try a coffee icing.
Cooking Time: 1 hr
- 1/2 cup (1 stick) butter, softened
- 1/2 cup sugar
- 1 egg
- 1 cup blackstrap molasses
- 2 1/2 cups flour
- 1 1/2 teaspoon cinnamon
- 1 teaspoon ground cloves
- 1 teaspoon ground ginger (or 1/2 teaspoon freshly grated ginger root)
- 1/2 teaspoon salt
- 1 1/2 teaspoon baking soda
- 1 cup hot strong freshly brewed coffee
- Preheat oven to 350 degrees F. Butter an 8-inch square of 9-inch round cake pan and set aside.
- Cream together the butter and sugar until smooth. In a large bowl, beat the egg into the molasses, then add to the butter mixture. Sift together the flour, spices, and salt, then fold into the butter mixture.
- Dissolve the baking soda in the hot coffee, then add it to the batter. Beat vigorously until well blended.
- Scrape the batter into the prepared pan. Bake for 45 to 60 minutes, or until a tester inserted into the center of the cake comes out clean.
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Jun 09, 2010
This cake was excellent! Had lots of blackstrap molasses left over from another recipe and discovered this one. Very moist and not too sweet. Used a Cardamom coffee icing from another recipe and was perfect. Will definitely make again.
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1 Bedroom Properties for Sale in Marwood, Barnstaple EX31
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1 bed mobile/park home for salePark View Way, Barnstaple EX32
Located on a establishment of similar style properties, a 1 bedroom UPVC double glazed park home with occupancy restricted to those persons in excess of 50 years of age. Sorry no dogs. Entrance Lobby UPVC double glazed door off, down lighting, vinyl ...
Note: Distances are straight line measurements
- Barnstaple (0.9 miles)
- Chapelton (Devon) (5.0 miles)
1 bed flat for saleGrosvenor Street, Barnstaple EX32
1 bedroom mews style property with lounge, modern fitted kitchen and shower room with 3 piece white suite. Well presented with laminate flooring throughout and UPVC double glazing. Lounge/Kitchen (13'6 x 9'2 (4.11m x 2.79m)) UPVC double glazed door ...
Note: Distances are straight line measurements
- Barnstaple (0.7 miles)
- Chapelton (Devon) (4.8 miles)
Latest Marwood, Barnstaple EX31 1 bedroom property for sale
Zoopla is one of the UK's leading property portals, helping you to find property for sale and to rent and make smarter decisions when buying and renting homes in the UK. Discover information on homes in Marwood, Barnstaple EX31 by researching Marwood, Barnstaple EX31 property values, Marwood, Barnstaple EX31 house prices paid, our Marwood, Barnstaple EX31 property market overview and find Marwood, Barnstaple EX31 agents.