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The post Fourth Quarter, 2016 Investment Review appeared first on Regency Wealth Management.]]>
"Everything you've always wanted is on the other side of fear."
– George Addair
Stocks rose and bonds fell after Donald Trump's November 8th presidential victory. What seemed like a fear trade as results were announced turned into a stock melt up as hope for growth was embraced. Republican control of the Federal government may increase the odds of business friendly legislation that should lift the economy. Fiscal stimulus may expand both the economy and inflation; consequently bond yields rose significantly (and bond prices fell) after the election.
The S&P 500 index rose 9.5% in 2016 but had to climb out of a deep hole early in the year. Recall that the index dropped 9% in the first three weeks of 2016! China was the worry then, followed by Brexit in June, and pre-election jitters in October (-1.94%), before the Trump bump to record highs in November (+3.4%) and December (+1.8%).
Figure One: S&P 500, 12/31/2015-12/30/2016
Stocks in developed markets rallied while emerging markets weakened in the fourth quarter as the US Dollar strengthened and investors worried that a Trump regime might impede free trade. Bond investors felt the burn as markets worried that higher fiscal deficits under a Trump administration could spur inflation higher. While the yield on the ten year U.S. treasury was only up 0.17% for the year, they rose dramatically from their mid-year lows of 1.36% ending the year at 2.44% (after peaking at 2.62%). West Texas Intermediate oil rallied 45% in 2016 to end at $53.72/barrel. Gold rose 8.2% for the year ending at $1,151.70 an ounce (but well off its mid-year highs).
US investment grade bonds, as measured by the Barclays Aggregate U.S. Bond Index, dropped 3.4% in the fourth quarter giving up more than half of their nine month gains. For the year, this index rose 2.4% and now yields 2.65%; 65 basis points more than three months ago! International sovereign bond rates remain unattractive and have also seen higher volatility. German ten year Bund yields rose 44 basis points in the fourth quarter to end the year at 0.32%, up from September 30th's minus 0.12%. As expected, the Federal Reserve raised its Fed Funds rate by 0.25% in December, a year after its last raise.
Figure Two: U.S. Treasury 2 and 10 year yields, US Fed
Yields rose but the curve "slope" remains steep as shown in Figure two above. Typically, yield curves are upward trending with longer term yields being higher than shorter term ones. They tend to flatten during early stages of recession.
Economic Fundamentals
Growth rebounded strongly in the third quarter (GDP +3.4%) from a very weak 1% first half rate. Domestically, employment and housing remain steady. Unemployment dropped to 4.6% while average home prices rose 5%+ this year.
Figure Three: U.S. ISM Manufacturing PMI
Manufacturing and service sectors are both reflecting economic optimism. Manufacturing production rebounded in the fall, exceeding expectations with its 54.7 December tally but may slow in early 2017 reflecting the US dollar's strength. Non-manufacturing (service sector) is also doing well recording its 82nd consecutive monthly advance in November. Overseas, it is a mixed picture with Western Europe struggling (GDP +1.7%), Asia stabilizing (+5.95% GDP growth, Ex-Japan; Japan +0.3%), India is expanding @ 7%+ but Argentina is contracting: oil producing countries are rebounding. Forthcoming elections that could shift eco-politics inward: Netherlands has a General election in March, France holds a Presidential election in April/May and Germany has a General election in September. A wave of right wing, protectionist sentiment, if it transpires, could be anti-growth.
Stock and Bond Valuations are high
Price/earnings multiples for the S&P 500 Index are 21 times (x) trailing earnings and 17.6x next twelve months' estimated earnings –above long term averages but not yet egregious. Bond yields are up but remain relatively low posing risk to investors that reach for yield.
U.S. Government issues
Clouds remain on the horizon even as optimists party on. The cost of U.S. regulation is strangling small and mid-sized businesses. We spend upwards of 38% of GDP on (big) government, almost twice pre-WWII rates. Entitlements (Social Security and Medicaid) need to be amended as their current benefits are unsustainable. Our fiscal deficit is growing and its debt is myopically short funded (over half is due within five years). As seen in Figure Four, the Federal government has twice as much debt to refinance in the next five years than we had in 2009 (bottom panel)!
Figure Four: U.S. Government Debt Maturities 2016 vs. 2008
The incoming Trump administration has been relatively silent on these issues but has extolled its preferences for simpler and lower corporate and individual taxes, allowing overseas corporate cash to be repatriated at lower tax rates, less red-tape and more efficient government programs. It has also suggested taxing interest and dividend income at lower rates. While many details and negotiations lay ahead, many of these moves, if enacted, would likely be constructive to employment, productivity, and investment activity.
How much of these domestic pro-growth expectations are already captured in the capital markets is impossible to ascertain as we begin 2017. The transition to higher interest rates has begun but yields should, in our opinion, gradually drift upwards for the next couple of years.
Thank you for allowing us, your Regency team, the privilege of helping you achieve your financial goals. Please call us with any questions.
Happy New Year!
Andrew M. Aran, CFA
Mark D. Reitsma, CFP®, CMFC
Timothy G. Parker, CFA
Bryan D. Kabot, CFP®, AAMS®
Click here to download a printable version of this newsletter
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The post Do You Know Your Beneficiaries? appeared first on Regency Wealth Management.]]>
Years ago, the client had been named as a beneficiary on a 401K plan by a former girlfriend. Unbeknownst to him, she had not changed the designation when their relationship ended. The two went their separate ways. But, when the girlfriend recently passed away, her family was left with a retirement plan that named the old boyfriend, not her husband as the beneficiary. The husband had to call the old boyfriend and ask for help in recovering the money since it had not been his wife's intent. The situation was resolved amicably, but it was uncomfortable and time-consuming.
In another case, a family was left with a larger than necessary tax bill because an IRA lacked a secondary beneficiary. When the account holder passed away, the family discovered that the primary beneficiary had been the spouse who predeceased her husband. Because they weren't listed as secondary beneficiaries, the account holder's children could not rollover the proceeds to an inherited IRA and stretch out the payments. The money went into the estate, where it was taxed at a higher rate.
The confusion and heartache could have been avoided by an annual review of account beneficiaries. Few people remember from year to year how the beneficiaries of their retirement plans, annuities, and insurance policies are designated. But with a simple phone call to the account provider or investment institution, the owner can get a current list of beneficiaries and make any desired changes, typically with a simple form submission.
Mark Reitsma, partner at Regency Wealth, noted each client's beneficiaries are checked during standard periodic reviews. "Reviewing the beneficiaries on accounts only takes a second, and it can avoid a lot of messiness in the long run," Mr. Reitsma said. For example during a new financial plan relationship, Reitsma found that the client who had remarried after a divorce did not designate his new wife as the beneficiary of his 401k. The 401k was not part of the divorce settlement, so his client was free to designate his new wife. "If we hadn't identified this issue for our client, it would have meant a lot of additional heartache for his new wife if her husband passed away. We were glad to be able to help and include this as part of our process" said Mr. Reitsma.
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The Federal Deposit Insurance Corporation insures cash deposits at individual banks up to $250,000. This limit leaves those with more than the maximum deposit exposed to risk if their bank fails. When security is the investor's primary goal, that level of uncertainty is unacceptable.
With ICS, an investor deals only with one participating local banker who sets the rate. The banker in turn works through the ICS Network to place deposits of no more than $250,000 at participating institutions, so that the investor's total deposited amount remains secured by FDIC guarantees.
In this case, Regency looked for and found a local bank paying one percent interest on a savings account. The rate will allow their client to earn a total of $15,000 (based on the time invested and current rate) which can be used to help pay taxes that will be owed on the profitable sale of the business.
The ICS solution was a win for the client who was able to get the sought after security with an added bonus in interest earnings.
Timothy Parker, Partner at Regency, noted that the arrangement resulted in no commission from the bank or the client for the wealth management firm. "We are happy to facilitate this deposit and to provide additional value for our client," Parker said. "It's just part of what we do."
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The post Third Quarter, 2016 Investment Review appeared first on Regency Wealth Management.]]>
The best thing about the future is that it comes one day at a time.
– Abraham Lincoln
Change is in the air. If you live in the Northern states, change is in the air with cooler temperatures and changing foliage heralding fall's imminent arrival. Change is also evident in financial markets. After five consecutive positive months, the S&P 500 index finally stalled in August and September, down 0.12% each month. Volatility returned in September (down 2.5% on 9/9 alone).
Figure One: S&P 500, 6/30-9/30/2016
Bond yields are also changing. Having bottomed at 1.36% in early July, the U.S. 10 year note's yield rose to 1.60% at 9/30/2016 and reached 1.76% on 10/11/2016. The U.S. yield curve has flattened from where it was the last couple of years, as shown below:
Figure Two: U.S. Yield Curve, 2014-10/11/2016
US investment grade bonds rose 0.46% in the third quarter and 6% year-to-date as measured by the Barclays US Aggregate Bond Index. The index is yielding 2%, less than the S&P 500's 2.2% dividend yield. Although international rates remain even less attractive, their volatility has also risen with rates off their lows. German ten year Bunds vacillated in and out of negative territory in September ending at -0.12%. Even the ten year Japanese bond yield approached zero, yielding -0.007% at 9/12 and closed the quarter at -0.09%, well off their -0.30% in late July.
Stocks rose around the globe last quarter:
all major global stock indices were up with the Hang Seng +12% and Germany's DAX +8.6% in local currency terms and 4% more when measured in U.S. dollars. The S&P 500 was up 3.3% bringing its year-to-date (YTD) gain to 6.1%; not bad considering it was down 9% in the first three weeks of 2016.
Domestically, employment and housing remain steady. Unemployment remains at 5% while average home prices are rising 5%+ a year. Manufacturing continues to show weakness with Industrial Production down 0.4% for August and is down 1.1% over the past year. Retail sales also remain weak and capital spending uninspiring
Price/earnings multiples for the S&P 500 Index are over 20 times (x) trailing earnings and 16x next twelve months' estimated earnings – a bit above long term averages but not egregious. We sense there is a lot of cash on the sidelines that could be invested if economic growth and earnings accelerate, but outflows from the stock market could escalate if economic weakness worsens. Investors are also aware of the high likelihood of the US Federal Reserve Bank raising rates in December of 2016 and beyond. The trend in unemployment, inflation, and aggregate demand will likely dictate the timing and slope of rate hikes in the U.S.
Regency's investment philosophy is anchored on history, experience, and common sense. Generally, we prefer to be fully invested believing that time in the market has proven to be more effective than timing the market. Our experience recognizes that at times investors can be overly optimistic or pessimistic generating episodic investment opportunities. We look to tilt portfolios accordingly when we are convinced that these opportunities are present. Experience and common sense helps us to see through the noise of headlines and one-off events as we analyze markets objectively.
In this currently unusual world of low to negative yields, we suspect that the transition to a more normal investment environment will be a challenging one. We also recognize that our clients are human and care for more than just maximizing long-term wealth which is evidenced in a recent study by Cambridge University.1 According to the study, people express that a large cash balance in the bank makes them happy – regardless of its prudence or lack thereof. In this sense, cash is "king." But we need to remember that holding cash for any long period of time guarantees us a loss of purchasing power as long as inflation persists. Currently, inflation is low (1-2%) but cash yields almost nothing. This gap, over time, can be material to making our money last in retirement.
Rates will likely remain low, even if the Fed raises its discount rate later this year and treasury yields rise a bit from here. How bond and stock markets transition into higher, but still low rates will likely depend on economic progress domestically and internationally. Uncertainty may continue to feed higher volatility possibly near term ahead of U.S. elections in early November but also into 2017 and beyond. As always, we will interpret events and trends and look for conviction as we strive to protect your hard earned investments entrusted to our care.
As President Lincoln said, "…the future will come one day at a time" but as it does, it will bring change. Change is best dealt with by regularly re-examining our mutual perspectives and expectations and discussing them with you collaboratively. Your customized financial plan reflects your investment risk tolerance and is expressed in a diversified portfolio. We look forward, as always, to discussing any substantive changes in your situation during our regular investment reviews. Thank you for your continued confidence in your Regency team.
Call us with any questions.
Happy Fall!
Andrew M. Aran, CFA
Mark D. Reitsma, CFP®, CMFC
Timothy G. Parker, CFA
Bryan D. Kabot, CFP®, AAMS®
Click here to download a pdf version.
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The post Second Quarter, 2016 Investment Review appeared first on Regency Wealth Management.]]>
"Goodness is the only investment that never fails."
– Henry David Thoreau
Geopolitics can sometimes present a complex mirror of societal challenges and pressures. The June 23rd referendum vote in the United Kingdom to Leave the European Union (EU) reflects that country's collective concern that liberal immigration was no longer desired. Growing nationalistic sentiment is not limited to the UK and if unchecked may further hinder travel, trade, and investment flows. Together, they could dampen already low global economic growth. One of the classic constants in the markets are that investors dislike uncertainty. Good thing that U.S. politics are without controversy!
Markets immediately reacted strongly to Brexit as they wrestled to ascertain if it marked the begin of a systemic wave or if it was one time event: Asian exchanges fell 1-3%, European stock markets dropped 6-7%, and U.S. stocks dropped 3-4% on June 24th. The US Dollar rose 11% vs. the British Pound Sterling, 3% vs. the Euro, and 4% vs. the Yen. Financial companies and banks, especially those in Europe, were hardest hit with some down 25% or more. After further weakness in Europe and the U.S. on Monday, June 27th, stock markets rebounded through month end. The S&P 500 index rose 1.9% in the second quarter and is up 2.7% year to date through June 30th. European stock markets dropped 5.9% or more in US dollar terms and 8% or more in Euros, over the six months ended June 30th. Gold spiked higher closing June 30th at $1,322/oz; up 24.6% in the first half of 2016. Consensus opinion indicates a wary view that the U.K. will likely (but not definitively) move to leave the EU within 2 to 2 ½ years without dour consequences to itself or the EU.
Our missive to clients on June 27th referenced details of the Brexit vote highlighting the near term uncertainty and possible ramifications to the U.K. and the Eurozone.
"In the intermediate-term, much work is ahead for the British. Trade agreements, treaties, and many regulations must be renegotiated and reworked. The U.K. economy and markets should experience significant volatility as the government seeks to reestablish its global relationships…
Long-term, the future of the EU is much more in doubt than it was a few days ago. Whether the British know it or not, they are being watched very closely by other members of the EU to see how they weather the coming months and years…, they could be paving the way for other countries to leave as well. Importantly, those countries sharing the Euro currency would have a much harder time of leaving the EU."
Minimal short term economic activity in the U.K. makes a recession highly likely there and could reduce 2016's European growth by 0.1 – 0.3% (PIMCO's estimate).
Domestically, employment and housing remain steady. Unemployment remains low at 4.7%. Average home prices rose 5.4% year over year in April as seen in Figure One.
Figure One: U.S. Housing Index
Rental markets remain strong and household demand is building as the pace of new construction has lagged new household formations. The latent purchasing power of Millennials (ages 18-36) will eventually kick in. This group, 77 million strong, is 40% larger than the baby boomers. When they start to buy homes to a greater extent, economic growth could increase meaningfully.
Perhaps the most likely impact from all of this is lower nominal and real (net of inflation) yields in developed markets for longer than anticipated. U.S. ten year yields dropped from 1.75% June 23rd to close at 1.47% on June 30. German 10 year Bunds closed the quarter at -0.13%. Figure Two highlights the yield advance that investors can get from U.S. ten year notes compared to Germany's.
Figure Two: German 10 year Bund Yield vs. US 10 year Note, 2016
Last quarter we noted how savers and retirees faced negative real rates of return in domestic government bonds. We now think that this will continue in the near term and bond returns over the intermediate term could likely be anemic. The possibility of the next recession is now higher though still low in our opinion. The next FED rate hike is now forecast by some to be delayed until December, 2018!
Nevertheless, we continue to be wary of chasing (modest) yields. At current prices, owners could lose 18% on 10 year US Treasuries if yields rise 100 basis points (1.0%) in a year and 24% if yields rise 2%. Much has to occur (sustained economic growth, higher inflation, lower political uncertainty, etc.) before this scenario transpires but we dislike the skew in possible returns when we can make 1.5% or a little more if things go right (stable to lower rates) or lose 18% or more if they don't.
Price/earnings multiples for the S&P 500 Index closed June at 17.3 times (x) current earnings and 15.8x next twelve months' estimated earnings – in line with long term averages but not cheap. Any earnings growth acceleration from higher demand along with low long-term interest rates could yet lead to a rebound in stock prices. Conversely, meaningful economic deceleration and more investment outflows could pressure equities further. The S&P 500 Index's 2.18% dividend yield continues to be attractive relative to short-term and intermediate-term bonds yields.
Volatility will remain elevated as we get closer to U.S. elections. Rates will stay low, even if the Fed surprises markets in raising its discount rate later this year. Having just celebrated our country's independence, let's hope the British don't regret their path towards eco-political independence.
Call us with any questions.
Happy Summer!
Andrew M. Aran, CFA
Mark D. Reitsma, CFP®, CMFC
Timothy G. Parker, CFA
Bryan D. Kabot, CFP®, AAMS®
Click here to download this newsletter
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The post Careful planning defuses ticking tax time bomb appeared first on Regency Wealth Management.]]>
"After the passing of her spouse, a Regency client had made the decision to enter a continuing care retirement community," explains Mark Reitsma, who has advised the widow about her finances for several years. "She chose a facility with an up-front, non-refundable fee, which partially qualified as an itemized medical expense on her income tax return."
Since the entrance fee was larger than the amount that could be tax effected in one year and the client was set for a January move in date, Mr. Reitsma advised the client to split the fee into two payments–one in December 2015 and one in January 2016. This strategy allowed for a portion of the fee to be deducted in each tax year, for a considerable tax savings.
Unlike investments in stock and real estate, when annuities gain value the increase is considered ordinary income, not capital gain, making the amount subject to a higher tax rate. Considering this, Mr. Reitsma advised his client to take distributions from her annuities to pay the fee, rather than tapping into other investments which had significant unrealized gains. For his client, this income increase was offset by deducting the entrance fee to the assisted living facility.
The annuity, if left untouched by his client and passed to her beneficiaries as part of an estate, would not be subject to a step up in basis like other investments. Thus, her children would inherit an income tax liability along with the monetary value of the annuity.
"Annuities can be ticking tax time bombs," Mr. Reitsma said. "I'm happy my client was able to make the best use of her annuities for quality medical care and protect her family from a burdensome tax liability."
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The post Tim Parker, CFA quoted in Barron's appeared first on Regency Wealth Management.]]>
By Lewis Braham
May 7, 2016
The Securities and Exchange Commission is the regulatory body for the biggest, most powerful financial markets in the world. So why does its Website, SEC.gov, function like it was designed in the Pong era?
The answer isn't readily apparent, but the problems are. Just try searching the site's algorithm-driven database for an exchange-traded fund's prospectus or a mutual fund's annual report. Click here to read the full article.
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The post Andy Aran quoted in Financial Advisor IQ – FAs Worry SEC's New Derivative Restrictions Are Overkill appeared first on Regency Wealth Management.]]>
Wealth managers are also bracing for guidelines that would require funds to restrict their use of derivatives to an exposure-based limit of 150% of net assets. Alternatively, some funds might be allowed to follow a risk-based limit of 300% of total assets, reports FA-IQ's sister publication, Ignites.
Click here to read the Financial Advisor IQ article
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The post Proper financial planning for the passing of a spouse can save a huge tax liability appeared first on Regency Wealth Management.]]>
When the husband's health began to decline, the couple needed help gathering and organizing their financial holdings. They wanted to optimize their assets to provide for the wife should she outlive her partner, and they wanted to provide for their children and minimize taxation.
Regency's Mark Reitsma worked closely with the family's attorney to take stock of the couple's combined total assets and explore their options. Their portfolio included a mix of liquid and illiquid investments, some of which had appreciated significantly. Regency and the family attorney suggested an asset reorganization plan.
The illiquid assets were transferred to the ailing spouse in expectation that the basis would be stepped up at the date of death, voiding any capital gain. Additionally, the husband established a trust to benefit his wife and children, enabling him to avoid estate and gift taxes on those assets.
The couple was a long time client with Regency, and Reitsma worked with them on these changes for a year before the husband's death. Now the wife owns the illiquid assets with virtually no capital gain tax liability, and the trust is providing her income without being included in her estate.
"No one wants to contemplate the death of their significant other, but this is an important situation to prepare for, and even more so if one's health is failing. It is standard procedure at Regency to look at these issues and create strategies for unforeseen events," Reitsma says.
"For example, the New Jersey estate tax allows for $675,000 to pass tax-free from a deceased person to their non-spouse beneficiaries. If a couple holds more than that amount in the name of one spouse, a trust could maximize the exemption and still provide for the survivor. That's a contingency that should be taken into account for everyone, regardless of health."
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Spring Lake Park High School sophomore An Trinh qualified for the individual state math competition on Monday, March 13.
Westwood Middle School eighth grader Emily Johnson will play flute in the Minnesota Band Directors Association 6-8 Grade Honor Band.
Join friends and neighbors for a community conversation, helping to form a plan that creates equity, integration and excellence in education for students in Spring Lake Park Schools and across the state.
The Spring Lake Park School Board held a regular meeting on Tuesday, February 14.
The site and design for the district's new preK-4 elementary school was unveiled at the February 14 school board meeting by Superintendent Jeff Ronneberg and members of the Elementary Core Design Team
After winning the Section 3AAA championship in both jazz and high kick, the Spring Lake Park Pantherettes will advance to the state dance tournament for the 13th consecutive year.
Spring Lake Park Schools will hold parent conferences starting Thursday, February 16. There will be no school for students on Thursday, February 16, Friday, February 17 and Monday, February 20.
The Spring Lake Park High School Science Olympiad team placed fifth in this year's regional competition.
Senior Xavier Mansfield, member of the SLPHS boys' Nordic ski team, won section 5AA championships in both the Classic Race and Skate competitions.

subset: commoncrawl


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17 Parks near Benton City, Washington
West Richland, Washington 5.85 miles NE
Richland, Washington 8.79 miles NE
West Pasco, Washington 13.86 miles E
Prosser, Washington 14.6 miles SW
Kennewick, Washington 15.1 miles SE
113 Abby Ave Benton City, Washington 99320 (map) | (509) 588-5959
Sites: 100 | Latest Rate: $37.00 | 15 Reviews
|Clean Restrooms:
|Clean Showers:
Oct 2016 - $37.00
We stay at this park twice a year or more on our way from OR to AK. We are able to walk our dog in the tent camping park, which is a large grassy area and we also cross the street to a recreation area on the Yakima River. There is great water pressure in the showers and have always been clean. We also use the laundry, which is a lot less than in town. The managers make sure all residents and visitors keep their sites picked up and clean and all dog waste, too. Every site has a grassy area between them with a picnic table and a light on a post for safety. They have many different size sites available, too. There is a grocery store in Benton just a mile or so away. We have tried a couple of other RV parks in the Tri-Cities and have settled for Beach RV, because it is the best! - The Larsons
May 2016 - $34.00
Very strange park. 95% of the park are permanent residents, some sites very sketchy. Some scary with ugly dogs. They had only four sites for overnighters. The overnight sites were lovely with decent spacing, nice flowers, beautiful grass and level paved parking. These sites are together in a nice location. Included Wi-Fi was excellent. Great water pressure. Nice office staff. - rjallred
Apr 2016 - $18.00
This is a nice clean park. Most of the sites are pull through with concrete pads and grass between sites. The sites are nicely spaced.
The restrooms were very clean with private shower and toilet area.
The park has a deck overlooking the Yakama River, nice place to site and read.
The staff was very friendly and helpful. - lovingit
2640 Kingsgate Way Richland, Washington 99354 (map) | (509) 375-9913
Sites: 225 | Latest Rate: $40.00 | 80 Reviews
|Clean Restrooms:
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Feb 2017 - $40.00
Over night slots are fairly close, no awning space, but very clean, well placed utility access. Great staff. - Trekking
Aug 2016 - $40.00
We stayed at Horn Rapids RV Resort because we wanted to do some shopping in Kennewick and visit White Bluffs Brewing. It was early spring so the resort was fairly empty, except for long term tenants who probably commute weekly to work in the area. The park was OK, but I wouldn't want to be here in the summer, or when the place is full. - RnBRV
Aug 2016 - $42.00
We were pleased with the park based on other reviews here. The management was friendly and helpful. Lots of permanent campers but the park keeps everything tidy. On-site store was handy for last minute items. Good Verizon and AT&T LTE. No recycling. - Phil Hyde
1963 Saint St Richland, Washington 99354 (map) | (509) 392-7127
Sites: 221 | Latest Rate: $18.00 | 10 Reviews
|Clean Restrooms:
|Clean Showers:
Oct 2015 - $18.00
Park is clean and safe with speed bumps to keep drivers from driving too fast. I needed two tanks of propane filled, left them at the filling station and went back to my rig. Half hour later when I went outside, there they were filled and delivered to my doorstep and added to my bill in the office. They have a great pool and hot tub but they were closed for the season.
All lawns were cut and looked great. They have water electric sewer cable and HIGH speed internet at every site.
Our stay was extended so we got the monthly rate plus electricity. We were buying a home and needed internet and theirs is the BEST. - Kuntry Kuzin
May 2015 - $25.00
Stayed 11 weeks while working at at Columbia NGS. Different layout with RV/Trailers parallel to streets, giving private fenced grassy yard. Well kept, yards trimmed and mowed every week, nice shade tree in each space. Street orientation allows for good satellite reception. Quiet, lots of working class people, several full timers. Manager is a heavy internet use savvy and all sites have hard-wired high speed internet. Bring your wireless router. Stream movies to your TV. Had to buy a connecting Cat 5 cable long enough to go from the RV to the Utility box ($10.00 from manager). Nice clubhouse with a big pool (summer only). Small BBQ/grassed park area. Not in a pedestrian friendly area, No easy foot access to a corner store. No sidewalks along the busy road, which is the only reason I rated it a 9. Local bus access is about a 10 minute walk from the park along busy road with no sidewalks. A little daytime noise from a nearby rail spur, almost no traffic noise. Extremely nice manager and family. Only been there for a couple of years and working very hard to have a 1st class park. Would definitely stop there anytime in the area. - starsekr
Sep 2014 - $12.00
Rate reflects monthly rate, we stayed here in our 39ft fifth wheel. This is a true big rig friendly park, plenty of room to navigate and the private fenced yards are the best idea I've ever seen in an RV park! Host was great and even set us in, helped us hook up and the electric Rv mover they use is really cool! The internet is hard wired so each site has it's own connection, bring a router and you can stream movies right to your trailer! We stayed for a little over 2 months and will be back in the spring, we highly recommend Moon River, it is the best park that we have stayed in! - fusion34
103907 Wiser Pkwy Kennewick, Washington 99338 (map) | (855) 833-3886
Sites: 145 | Latest Rate: $55.00 | 89 Reviews
|Clean Restrooms:
|Clean Showers:
Oct 2016 - $55.00
We will stay at this park whenever we are in transit from Idaho to Washington. Sites are spacious and very well maintained, and resort is very quiet, with a lot of amenities. - IdahoRVr
Sep 2016 - $51.00
Very nice rv resort with long sites, plenty of room for our 45' coach and tow. Our paved pull-through site was slightly sloped, but we were able to air-level our coach with no trouble. Wide grassy areas between sites, so you never felt you were on top of your neighbors. Resort amenities included swimming pool, hot tub, laundry, restrooms, and general store with rv supplies, grocery necessities, and gift shop. Resort is very convenient for touring all of Tri-Cities. - HRTravelers
Sep 2016 - $40.00
Stayed here in 2014 & found this park & staff to be excellent so chose to stay again in 2016. Everything was as we remembered & staff as pleasant & helpful. We were greeted as we drove in & after registering were escorted to our site. Sites are side by side with grass between them, level, wide & long. Bathrooms are individual rooms with shower, large & clean. Had problem logging onto internet, either the name of the park didn't come up as a choice when trying to sign in or the password didn't work. Could hear some freeway noise. - Islandrvers
Richland, Washington (map) | (509) 627-1000
Sites: 89 | Latest Rate: $30.00 | 7 Reviews
|Clean Restrooms:
|Clean Showers:
Feb 2017 - $30.00
Very friendly staff. Easy to park, fairly level site. Ready access. Very small grass play park. Great for quick overnight stay. Lots are all paved. Plenty of shade trees. - Trekking
Apr 2016 - $30.00
nice park but tight parking; good location, highway noise but not bad inside coach; 12 hrs of wi-fi service included & works good; full hook-ups. - Buck44
May 2012 - $27.00
Easy access from the highways. Park was built in the 50's and spaces are TIGHT. Our 40' Class A fit in one spot but our lawn chairs and awnings had to be in the adjacent spot. The park was not full and this was not a problem. Our site required that we put one set of duals on 1" blocks so that we didn't lift the tires off the ground while levelling. Parking areas are asphalt but there are some trees. Attendant had to do some trimming before we could put out our slides and I climbed onto the roof and did some more trimming to keep branches from rubbing on the roof. No major branches that were going to damage anything. Attendant was friendly. There appear to be a lot of permanent guests. Washers and dryers worked great and laundry area was clean. We stayed two nights. The park was a good value for our needs. We would stay there again, if there was room to use two spots. We were in what they probably called a pull-thru but it was easier to back into the spot. - BertD
40 Spring St Richland, WA, USA Richland, Washington 99354 (map) |
Sites: 1 | Latest Rate: $1.00 | 3 Reviews
|Clean Restrooms:
|Clean Showers:
Jun 2016 - $1.00
No services at this primitive island park but lots of wildlife. great location. - Astrid
Jun 2016 - $20.00
Another great visit to this little island park. We kayaked out and spent the night on beach Lovely although a passing barge woke us up in the wee hours, swamping the beach with it's wake. - clecogirl
Oct 2015 - $1.00
We kayaked out and spent the night. Beautiful and peaceful. Lots of waterfowl and wildlife. Bring bug juice - lots of skeeters here. - clecogirl
7322 W Bonnie Ave Kennewick, Washington 99336 (map) | (509) 783-2513
Sites: 140 | Latest Rate: $25.00 | 10 Reviews
|Clean Restrooms:
|Clean Showers:
Sep 2014 - $25.00
For one thing, we pulled into this "campground" and could not find any signs pointing to the office. We stopped and asked a guy and he said "Oh, it's up there but it's closed. The manager is in space 99." So we stopped there and got a site. She told us to park and that she would collect the money in the morning. I was appalled at the conditions at site 43. There was trash ALL over. Empty candy wrappers and soda bottles. The dumpster was across from us. There was dog poop everywhere! In our site and there were 3 large piles right in front of the women's bathrooms. Speaking of the bathrooms, they were disgusting. I was so longing for a shower and we didn't want to hook up sewer and water since we were leaving early in he morning. Needless to say, I did not take one. The cable is scrambled and they did give us a box, but it did not work. The rest of the trailers in the park seemed to be full time and the were old and run down and trashy. I would never stay here again and I would suggest no one stay here! - Coastalgma
Jul 2014 - $25.00
We stayed here one night and were glad to get away. When entering there were no signs of where office was at so we just kept driving till we found it. I asked for a pull-thru so I wouldn't have to unhook but the site was much too small so I had to go back and ask permission to use a vacant longer site. But I had a terrible time maneuvering, some very tight turns and once I got into a spot and had to back truck and trailer out (not fun). Entire park is in poor condition with mostly resident (long term) people. Entire park very dirty. WiFi was OK but could not get any signal at all on two different cable connections, finally had to use antenna and got several English-speaking channels. Avoid staying here if possible, there are several nicer parks nearby. I would not stay here again. - rdkeith
May 2014 - $35.00
This is a nice park with paved roads and nice level sites. All hook ups work well. It is convenient on and off the freeway. Not much to do in the surrounding area. A plus is the fact that it is next door to a large RV dealer so if you need any parts, supplies, or repairs, you don't have to go very far. - Mike 9843
8801 St. Thomas Drive Pasco, Washington 99301 (map) | (509) 542-1357
Sites: 185 | Latest Rate: $35.00 | 42 Reviews
|Clean Restrooms:
|Clean Showers:
Jul 2016 - $35.00
Stayed here ten days, because of holiday other campgrounds were full. Sites are pretty crowded but at least it was a concrete pad and nice paved roads. A lot of full-timers living in park. For such a large campground the temporary sites are very few considering. We spoke with one guy who has lived there ten years, wow. Good water pressure and very nice laundry. Staff was friendly, easy checkin. Location nice for shopping and restaurants. - Dedra C
Jul 2016 - $35.00
We stayed here only one night. We should have driven through to check it out before signing up for 3 nights but it seems nice upon first impressions. Staff helpful. However, they put us in the back with the people who live here and they are a very rough looking group. We decided to stay 1 night and eat the rest of the money we paid. Wouldn't feel comfortable leaving rig unattended. Would probably be OK in front of park, just not near the back. - Nana Montana
Nov 2014 - $38.00
The sites are extremely uneven (we tried 2), and the freeway noise is horrendous and does not let up around the clock - you cannot hardly converse outside trailer. It was raining when we were here so the trailer stayed closed up or we would not have been able to sleep at all. KOAs are proving too pricey for what you get. Amazingly KOAs seem to be staffed by wonderful people - yet that does not change the shoddy tired outdated facilities being offered at most KOAs. We were card members for a year but have been unimpressed and unsatisfied with every KOA we have stayed at - this is the last one we will ever stay in. - livin4RV
6333 Homerun Rd Pasco, Washington 99310 (map) | (509) 542-5982
Sites: 59 | Latest Rate: $24.00 | 10 Reviews
|Clean Restrooms:
|Clean Showers:
Nov 2014 - $24.00
Very close to interstate and event center but very handy as you are at the event center. Campground was very busy (with event goers to TRAC) when we were there and for our purpose handy but not a lovely setting. - clecogirl
Jun 2014 - $15.00
Rate shown is our monthly rate divided by 31 days. Very nice small park behind convention center, is as shown on website. It is clean, a park host is within the park, but office hours are limited to mornings. Most full-time residents are very friendly and helpful. Landscape work done on a regular basis, therefore asked to not leave chairs on lawn overnight, and automatic sprinklers do come on regularly. We have returned for several years, and will continue to return regularly staying either weekly or monthly. This park is within walking distance of restaurants, grocers and shopping facilities. - Travelers3
Jul 2013 - $33.00
We totally enjoyed this immaculate park. The excellent WiFi, which is a rare, and cable, as well as the meticulous landscaping made this an excellent choice. The cement spaces are roomy with a separate spot on the side for your car and are separated by lush grass and small shade trees. The park host is pleasant and very accommodating. We would definitely return: who wouldn't? - quineey
330 Merlot Dr Prosser, Washington 99350 (map) | (509) 786-5192
Sites: 126 | Latest Rate: $40.00 | 79 Reviews
|Clean Restrooms:
|Clean Showers:
Sep 2016 - $40.00
Very nice, well-kept park with level concrete pad with grass in between sites - some sites are gravel. No shade trees except some on the perimeter. Utilities all work well - cable is good - wifi very hard to connect to - wasn't really able to use. Key cards for the restrooms don't always work - be sure to get at least 2 just in case. The restrooms are very nice and clean - individual restrooms include shower, sink, toilet. Showers are .25 for 5 minutes - plenty long enough. While it is actually close to the freeway (I-82) you really don't hear it as there are buildings and trees as a buffer. The management is very nice and very helpful. We just stayed one night but would be comfortable to stay longer if we were sight-seeing in the area (wine country.) - NiMo
Sep 2016 - $40.00
Nice park, friendly staff. Some road noise from I-82 but not bad. The turn onto Merlot drive comes up quickly after exiting the freeway. Easy to miss. Take the first left turn lane. Hard to see the street sign. - Norv Orbus
Sep 2016 - $29.00
Nice well kept park and facilities. The office personal are very nice and friendly. They also accepted our mail shipment and packages from Amazon. We stayed an extended time and got the monthly rate. The campground is very busy and lots of sites fill up every afternoon and empty out in the morning. The WiFi was in and out but towards the end of our stay was working very well. The sides are paved and level. Some are quite narrow and be careful to measure before you put out your slides on the utility side. - houseonwheels


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Lettice and Lovage: Trouble for Guide Telling Tall Tales on Historical Home Tour
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Full Price
Originally written as a tour de force for British treasure, Dame Maggie Smith, Peter Shaffer's Lettice and Lovage follows an eccentric Elizabethan enthusiast as she tries to spice things up -- by exaggerating a few stories -- as the tour guide for England's most boring historical home. When her boss hears about her wild embellishments, a battle begins between the need for authenticity versus entertainment. This charming comedy won two, and was nominated for four, Tony Awards for its 1990 Broadway run.
* Additional fees apply. No coupon or promo codes necessary to enjoy the displayed discount price.
All offers for Lettice and Lovage have expired.
The last date listed for Lettice and Lovage was Saturday November 9, 2013 / 8:00pm.
Currently at Village Theatre and Art Gallery
Escape Artists and Bubble Ladies Featured in Interactive Children's Performance Series
- Full Price:
- $5
- Our Price:
From ventriloquists to jugglers and even a bubble lady, the town of Danville knows how to keep… More
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Directed by Phoebe E. Moyer
Featuring: Sylvia Burboeck, Beth Chastain, John Blytt and Elinor Bell


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Welcome Friends Counted Cross Stitch KitDimensions Kits
10" x 14" - 14 Count - Aida Cloth - Cotton Thread - Thread Palette - Needle - Instructions - View Complete Details
Product Number: NOTM316296
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Welcome Friends Counted Cross Stitch Kit - DIMENSIONS-Welcome Friends. Counted Cross Stitch. Sweet clusters of grapes are the focal point of this charming welcome sign. Kit contains: cotton thread, 14-count beige Aida, thread palette, needle and easy instructions. Finished size: 10x14 inches. (mat/frame not included).View Product Specs
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text:
(this is his dominant personality type)
(he also shows elements of this type)
Looking for something new and exciting at a new and exciting stage of life.
He is interested in the big picture and likes to examine large, ambiguous issues and ideas.
In relating to others, he can be well-adjusted, trusting, compassionate, intuitive and interested in people.
He is a die-hard romantic, and must have depth and meaning in his relationships.
A few excerpts from his personality test:
- I consider (and reconsider) every option thoroughly before making a plan
- I get bored when I have to do the same familiar things
- I am intrigued by rules and patterns that govern systems
His 11 interests
in his own words...
I am a professional writer who excels at writing about others but struggles to write about the one subject about which I am most familiar, that being me. I am many different things, depending on the day. I am gregarious and a people person at some times, introverted and introspective at others. I love new things, but some new things more than others (traveling to new places, absolutely; trying new foods, a little less). What am I looking for? Well, there isn't a list to check off. Compatibility is important, but I also don't want someone who is exactly like me. In short, I have no preconceived notions for what I'm seeking. But when I find it, I'm pretty sure I'll know. I have an unusual job with unusual hours and an unusual lifestyle, but it never bores me, either in the day-to-day routine of it or in the ever-changing scenery that it offers. I am ambitious, but with most of my lifelong ambitions having already been met, I am always on the lookout for new ones. I have lived in many places, all of them in the U.S. (so far). I love to travel and do so frequently, mostly within the U.S. but occasionally to other countries. The only thing I don't love about traveling is doing it alone -- perhaps that is where you come in. I have an offbeat sense of humor. I love a girl who can make me laugh, but even more, I love a girl who can laugh with me, and occasionally even at me. I love to work out, even though I don't always have time to do it as often as I wish I could. I have been happily divorced for almost 20 years, I am the proud father of a U.S. Navy sailor who has reached that wonderful age of adulthood and independence, this exciting new stage of her life ushering in an exciting new stage of mine, as well, a stage in which I am ready to find my soulmate. The one I am looking for is the one who, after I say goodnight to her at the end of the first date, I can't wait for the second date, and the one for whom that feeling never goes away even after 10
About him:
Living situation:
- Live alone
Religious affiliation:
- Christian / Protestant
Relationship history:
- Divorced
- $50,001 to $100,000
Eye color:
- Hazel
Hair color:
- Dark brown
Ethnic background:
- American Indian or Alaska Native
- White/Caucasian
What he's looking for:
Age Range:
- 35 - 45
relationship history:
- Any
- Any
Ethnic background:
- Any
Religious affiliation:
- Agnostic
- Atheist
- Christian / Catholic
- Christian / Protestant
- Christian / Other
- Jewish
- Spiritual but not religious
- High school
- Some college
- Associates / Technical degree
- Bachelors degree
- Graduate or professional degree
- PhD / Post Doctoral


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|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|"William A. Rowe, Jr." <wr...@rowe-clan.net>
|Re: cvs commit: httpd-2.0/server/mpm/winnt mpm_winnt.c mpm_winnt.h service.c
|Thu, 14 Mar 2002 21:28:49 GMT
At 12:07 PM 3/14/2002, you wrote: >Bill, does this resolve the Win32 showstoppers? Specifically... > > * Address popular PRs > * Win32 doesn't install as service correctly [9863, 9914, 9961] > * Don't be stupid and cd to a blank directory when doing installs > [PR 9993] > >I'll not be too keen on Win32 holding up a beta. No, this doesn't fix those showstoppers. They actually don't belong in httpd-2.0/STATUS in the first place. They are part of the installer, not core, and belong in httpd-win32-msi/STATUS. And they can be fixed even after a 2.0.x is made beta-ready, since the tag on httpd-win32-msi is independent of httpd-2.0/apr/apr-util. Bill
|View raw message


text:
NBA Finals 'Endings' Commercial Will Give You Chills
Warriors. Rockets. Cavaliers. Hawks. It sounds odd to say, but one of those teams will be the NBA champions.
Warriors. Rockets. Cavaliers. Hawks. It sounds odd to say, but one of those teams will be the NBA champions.
I think the highlight of the All-Star game every year is probably the "Slam Dunk" Contestant. I know everyone wants to see their favorite players, but what if they opened it up to normal everyday people and they competed against the pros...
A good dunk can shift momentum, get the crowd on its feet and let everyone know you've got serious game.
This weekend, the 2015 NBA playoffs get started. We're going to miss Russell Westbrook and the Thunder, but other than that, the league's biggest stars will take the league's biggest stage on Saturday and Sunday, with all eight first-round series kicking off either Saturday or Sunday.
Russell Westbrook is an amazing player on the court. He's an even more amazing person off of it.
Charles Barkley usually gets attention for what he says, not for what he wears. Or, more precisely, for what he doesn't wear.
They say that about 99% of people's March Madness Brackets are busted and this is why...
Georgia State, the underdog, managed do bump off Baylor when RJ Hunter sunk this shot from way downtown...
This kid dreams as big as he plays.
The UB Bulls Men's Basketball Team made history over the weekend. First they went on to beat Akron and win the MAC Championship on Friday night. Which helped them secure a spot in the NCAA Tournament. Watch as they heard it announced live:
If you're going to get good seats to a basketball game, you'd better do your part to show you deserve it.
Stephen Putnam enjoys dancing, so he decided to celebrate UNF's victory with some highly amusing dance moves.
"Winning isn't everything. It's the only thing." This quote, often attributed to Vince Lombardi, has fallen on deaf ears among two high school girls basketball teams.


text:
Email this article from PlasticsNews.com
Sytrama robot integrates in-mold labeling
Sacmi Group's Sytrama robot unit showed the new 811G high-speed, side-entry robot running at NPE2012 on a Negri Bossi Janus injection molding press. The robot was integrated into a demonstration of in-mold labeling, making a two-cavity thin-wall container with a five-sided label. Cycle time was 4.9 seconds.
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About Aidaknow
- Birthday
Aidaknow replied to Fiery's topic in BrainstormingWindows 10 has a multiple desktops feature and I'd like to dedicate a desktop to system monitoring. When I have for example Riva Tuner opened on a desktop and I switch to another desktop Riva Tuner does not show and that's what I want. This is not the case with Sensor Panel it stays showing across all desktops. I have checked and unchecked the various Sensor Panel options under preferences but I don't think it's possible to achieve what I need. Hoping Sensor panel can be made Windows 10 multiple desktop aware? Thank you.
Aidaknow replied to Fiery's topic in BrainstormingThanks a lot Fiery, works great as usual, makes sensor panel usage more friendly now :-)
Aidaknow replied to Fiery's topic in BrainstormingThanks Fiery, yes I have AIDA64 loading at start up and with the main window hidden and if show sensor panel is checked it shows automatically which is fine, but I don't always want to have the sensor panel showing, so at the moment, if it's not showing I need to open main window again and run through the steps to make it show/not show. So I just thought it might be good to have a toggle from the system tray AIDA64 icon popup menu or the ability to make a shortcut operable from the tray or desktop. Still sensor panel is a great way to monitor the system from the desktop, so thanks a lot.
Aidaknow replied to Fiery's topic in BrainstormingAt the moment , unless I'm wrong, in order to display the sensor panel on the desktop you need to 1. open AIDA64 2. go to the file menu 3. select preferences 4. select the sensor panel 5. check show sensor 6. hit apply 7. hit ok 8. close AIDA64 window. Just wonder if it might be possible to have a creatable short cut to the sensor panel?
Aidaknow started following What does your SensorPanel Look Like?
Aidaknow replied to strife1013's topic in General DiscussionThis is what I have made up, just used a part of my wallpaper as an image and moved it to the top of the list in SensorPanel Manager so it looks like the panel is suspended over the desktop. This latest release of AIDA64 is the biz, because now I can monitor on the desktop as I test new overclocks and bench as well as monitor all system stats while in game. Just a fantastic piece of software :-). Thanks to Fiery and team ! An UPDATE to give an idea how this can look on a desktop, here is a link to a new sensor panel I made up in use. http://browse.deviantart.com/customization/screenshots/windows/#/d3z90yz
Aidaknow replied to NightCrawlerâ"¢'s topic in BrainstormingThe ability to monitor relevant in game [3D] system readouts via a software implementation like RivaTuner offered or offers on screen would, I'm sure, see the take-up and usage of this already outstanding application increase significantly. Maybe we could see a team-up temporary or otherwise with Unwinder to achieve this end result? Plugins already exist for various hardware etc. etc.


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Another stormy night had turned the lanes of north Devon into fast-running streams yesterday but the niche training regime of Nick and Jane Williams proceeded regardless. Their stable sits twelfth in the trainers' championship despite running only 28 horses. Now, more than half of them are aimed at the Cheltenham Festival.
For a pair of chartered accountants who came late to racing, this husband-and-wife team has achieved remarkable results, yet a maiden Festival winner still eludes them. While Jane supervises the individual training programmes, Nick is an assiduous planner of races.
"I'm hoping we might have 15 runners at Cheltenham,"


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NASA's Extreme Environment Missions Operations (NEEMO) 18 spend a lot of time 19 meters underwater. They are part of a test that attempts to simulate the conditions of a manned asteroid landing. The testing grounds are 5 kilometers from Key Largo.
"We'll be testing out those tools if we did go to an asteroid," says Jeanette Epps, one of the astronauts on the NEEMO 18 crew. The test is centered around a 10 minute communication delay, which simulates the delay of the crew being farther from the Earth than the Earth is from the sun. Each astrona...
Also read: NASA, heeding Trump, may add astronauts to a test flight moon mission
Read more


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Bug Bust Ball IIFree
The bugs are pouring into the village and they laid pearls everywhere,e.g. lawn,railway,garage,empty room.If we don't clear those pearls,they will eventually occupy the whole village and no one would survive the disaster.We must clear those pearls before they reach the destination and maintain a clean environment.Your task is to clear those pearls as soon as possible. Marble Blast - Bug Crisis is a popular zuma style game and features great UI.It's easy to operate and different scenery gives you special feelings while you are wandering in zuma game land. HOW TO PLAY: 1. TAP to insert balls. 2. Connect balls with same color. 3. Create combos as much as possible.
Downloads: 328+ (for Android)Report app for spam or abuse!
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You are able to log in as anyone. Be careful!
n49 2000-2015 | N49 is proudly made in toronto
Services: Wedding Caterering, Corporate Catering, Event Catering Payment Types: Cash, Check Business Hours: Monday-Sunday: 09:00 AM - 05:00 PM
Deli City Café and Catering is a family run catering business located in Kelowna on the corner of Springfield and Spall. The current owners, Danny and Nicky Manson, took over the business from family members ... Read more
Check out our website
Check out our website


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Red River New Mexico Golf Courses
|Red Eagle Golf Course
Featured Golf Course Review:
|Red Eagle Golf Course -- Awesome high country golf!!
|Review by: Jweathers
|Will challenge even the most seasoned veteran.
|From Roswell, NM
Golf Courses: Additional Golf Course Reviews:
|Santa Teresa Country Club - Yucca Course -- Error in previous review
|Review by: Bob
|The Santa Teresa course was NOT designed by Lee Trevino. He was the club pro there when the club house was a mobile home. The course is fairly challenging, but not much to look at.
|From Santa Teresa, NM USA


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Here is Dale's reply to this issue. For the information of others on
the list, Dale is a native plant and organic gardner who does volunteer
his limited weekend time in various gardening efforts around town. His
issue is not because he supports pesticides, genetically modified
plants and other such "stuff."
Bonnie Bowman
Begin forwarded message:
> From: Dale Denton <firstname.lastname@example.com>
> Date: Fri Jan 28, 2005 7:37:26 AM US/Central
> Yes, though my question is and was about the non-protected varieties
> that they've been using for centuries. These don't seem to be
> outlawed. That was my question. Are there any reports of non-patented
> wheat, barley, rice, cotton or date seeds or other plant materials
> being confiscated or otherwise disallowed?
> This is what the subject of the email says is happening, and what is
> implied with no backing in the GRAIN op-ed piece.
> I will agree that this seems to be what's been continuing throughout
> the US and the world since the 1950s with the "Better Living Through
> Chemistry" that first sent the artificial fertilizers, pesticides and
> herbicides througout the world and later the GMO and other patented
> plant materials.
> I do have an issue with such a headline as "US Outlaws." What is being
> outlawed is already outlawed here, for better or worse.
> Dale
The American Community Gardening Association listserve is only one of ACGA's services to community gardeners. To learn more about the ACGA and to find out how to join, please go to http://www.communitygarden.org
To post an e-mail to the list: firstname.lastname@example.com
To subscribe, unsubscribe or change your subscription: https://secure.mallorn.com/mailman/listinfo/community_garden


text:
On Monday, March 22, VIDA shipped its first container carrying $1 million in medical supplies to Chile in response to the devastating 8.0 earthquake that destroyed the country's southern region. VIDA is working with our long-time partner Fundacion FEDES, a Chilean NGO to distribute the supplies and equipment to hospitals and clinics operating in the city of Curicó and the Region of Maule.
Reports from Steven Colon, founder of FEDES are dire. "We traveled to the Region of Maule, where several of the larger public hospitals are uninhabitable. On our first trip we visited the city of Curicó. 90% of the downtown area of the city is in shambles, with shops, churches and over 2,500 houses destroyed. Population in this city is 136,000. The Curicó public hospital was also completely devastated (we weren't able to go near it because it's under military protection due to the danger of collapse). At the time of the quake, the hospital had 350 beds taken up and all of the patients had to be evacuated."
VIDA is making a long-term commitment to the people of southern Chile to help rebuild their medical infrastructure. VIDA needs your help and is seeking to raise $250,000 to send 25 containers carrying $37.5 million in medical supplies and equipment over the next three years.
Once this project is fully funded we will launch a new Global Giving project describing the entire 3 year plan.
Project Reports on GlobalGiving are posted directly to globalgiving.org by Project Leaders as they are completed, generally every 3-4 months. To protect the integrity of these documents, GlobalGiving does not alter them; therefore you may find some language or formatting issues.
If you donate to this project or have donated to this project, you will get an e-mail when this project posts a report. You can also subscribe for reports via e-mail without donating.
We'll only email you new reports and updates about this project.


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Heli Strike game description is updating, now.
action flying helicopter shoot 'em up
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Small, quiet building located in the heart of downtown London offers beautifully renovated suites with updated carpeting and tiled flooring. At 435 Grey you're close to parks, schools, shopping and public transit.
*Prices, incentives, availability, and specifications are subject to change. Images may not reflect actual suite finishes. E. & O.E
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Incoming PSU Berks students help those in need
READING, Pa. - Incoming freshmen at Penn State University's Berks campus in Spring Township are giving back to the community.
Students prepared and served lunch Thursdsay afternoon at the Opportunity House on North 2nd Street in Reading.
Incoming students are doing all kinds of other projects, as well.
It's part of the "Building for Tomorrow" program, which helps first-year students transition to college life.
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Hotels in Lappersdorf
Hotel reservation
Hotel rooms in Lappersdorf
There are not so many hotel rooms in Lappersdorf, just 2, still everyone can find an offer to suit his choice. The most common offers in this city are hotels, they count 1 out of 2, and their prevalent location is central district. According to our practice, it is the most profitable to book a hotel in the east of Lappersdorf, as it is the location of the hotels with optimal cost and quality offers along with the cheap hotels. Taking into account the small size of the city, there is no need to dwell hotel reservation on the location: the road to the city center would take less then half an hour, so one can book a hotel in any district of Lappersdorf. The most populated with hotels district of Lappersdorf is the north, 100% of cheap hotel rooms are concentrated here. Lappersdorf is an ideal place for family and couple, such travellers rate hotels there 6.8 out of 10 on average. Apart from all these, hotels in Lappersdorf offer their customers pets allowed, restaurant/cafe and parking. The most appreciated amenities in Lappersdorf hotels are service and location. According to the visitors reviews, hotels in Lappersdorf has great location and fantastic service. Take a look at our selection of the cheap hotel rooms in Lappersdorf to make a well-informed choice for your reservation!
Best hotels in Lappersdorf
Hotels in Lappersdorf are spread around the city within the distance of 3.6 kilometers. The most popular accommodations in Lappersdorf is
Hotel Papillon
located in a 3.6 kilometers from the city center.
The best hotels are here and now. Try them!
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Spiritual Education classes are available for children 4 - 18 years old,
Board meetings are open for anyone to attend.
SA Anonymous Meets each Tuesday at 6:00 p.m.
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408 Gruene RoadNew Braunfels, TX 78130Ph: 830.608.9515
Board | Policies
© 2015 Unity of New Braunfels. All Rights Reserved.
Provided by: OneEach Technologies


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iCheck inn Nana, Bangkok
- Free WiFi
Main amenities
- 47 smoke-free guestrooms
- Restaurant and bar/lounge
- Breakfast available
- 24-hour front desk
- Coffee/tea in a common area
- Air conditioning
- Front desk safe
- Laundry service
- Concierge services
- Tour/ticket assistance
For families
- Rollaway/extra beds (surcharge)
- Refrigerator
- Private bathroom
- Elevator/lift
- Minibar
- Cable TV service
What's around
- In Sukhumvit
- Siam Paragon Mall (1.5 mi / 2.5 km)
- Pratunam Market (1.6 mi / 2.5 km)
- Siam Square (1.8 mi / 3 km)
- MBK Center (1.9 mi / 3 km)
- Lumpini Park (2.1 mi / 3.5 km)
iCheck inn Nana, Bangkok
Hotel Info: (02) 8228 1927from A$59
- Superior Room, 1 Queen Bed
- Deluxe Room
- Superior Single Room, 1 Extra large Double Bed
- Deluxe Single Room
- Superior Single Room
- Deluxe Double Room Single Use, 1 King Bed
More great choices
At a glance
Key facts
Hotel size
- This hotel has 47 rooms
- 24-hour check-in
- Check-out time is noon
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
- Minimum check-in age is 18
Travelling with others
- No cribs (infant beds)
- No pets or service animals allowed
- Free WiFi in public areas
- Free WiFi in rooms
- No parking
Other information
- Smoke-free property
Nearby Three Star Bangkok hotels
In the hotel
- Continental breakfast daily (surcharge)
- Restaurant
- Bar/lounge
- Coffee/tea in a common area
- 24-hour front desk
- Concierge services
- Tours/ticket assistance
- Dry cleaning/laundry service
- Elevator/lift
- Safe-deposit box at front desk
In the room
- Air conditioning
- Minibar
- Private bathroom
- Shower only
- Cable TV channels
- Free WiFi
- Refrigerator
- Free bottled water
- In-room safe
Top Bangkok hotels
Recently reviewed hotels in Bangkok
- Hotel Indigo Bangkok Wireless RoadFrom
"The hotel was one of the best I've stayed at in BKK (I've been 35+ times) Engaging and welcoming staff, quirky and tasteful decor, good size rooms, plenty of space, amazing…"Jan 14, 2017
- iSanook ResidenceFrom
"Very clean and modern rooms and facilities. The staff were very good. The pool was excellent. The spa takes a while to get going but is very clean and has a great view. The bed…"Jan 14, 2017
- Banyan Tree BangkokFrom
"My friend and I decided to splurge on a nice hotel for one night and the Banyan Tree hotel did not disappoint. I stayed there four years ago and it still holds its charm."Jan 13, 2017
- Patumwan HouseFrom
"This is a great hotel due to its location. It's right near the MBK centre yet it is tranquil and peaceful. The employees were great. The laundry and food was very affordable. I…"Jan 13, 2017
Recommended hotels
Special features
DiningChill in Bar & Restaurant - This restaurant specializes in international cuisine and serves breakfast, lunch, and dinner. Open daily.
iCheck inn Nana, Bangkok's small print
Also known as
- iCheck Inn
- iCheck Inn Nana
- iCheck Inn Nana Bangkok
- iCheck Nana
- iCheck Nana Bangkok
Optional extras
Rollaway beds are available for THB 1000 per night
Continental breakfast is offered for an extra charge of THB 250 for adults and THB 100 for children (approximately)
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Recent reviews
Good 3.8 /5 from 140 reviews
Excellent, very clean, good staff. We know the area well so no problem for us with bars & clubs nearby etc. Noise at niht was minimal as windows & walls very thick - I didn't notice it; I only mention it b/c others commented on it. The only problem is that the cabel TV had problems and even when working properly it had a poor selection of English channels (eg: no BBQ Word CNN etc - channels that are everywhere in Thailand). For kids bear in mind there is no pool at this hotel.
This hotel is good and near Nana Station. But is not good for girls to stay in the hotel. Many massage shop and bar nearby.
The room and staff were very good. The only thing lacking was a jug to boil water for a coffee.
THIS HOTEL IT WAS PRFECT FOR ME !!!! VERY NICE LOCATION NEAR TO BTS . VERY CLEAN.... THE ROOM IT WAS VERY GOOD !!! I HAD DELUXE ROOM BUT NOT BIG DIFFERENT FOR THE NORMAL... STAFF IT WAS GREAT !!! OF COURSE I STAY Check in NANA HOTEL...Easy !!!!!!!
After a big day of travels my late check in was met by warm and friendly staff was handled with efficiency and a much needed good nights slumber. Neighbouring restaurants and bars more than compensate for the absence of kitchen room service. I will certainly consider the iCheck Inn Nana for future visits to Bangkok.
Is the description of this hotel not correct? Tell us


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Which Joe gave his name to 'sloppy joes'? We look at five interesting sandwiches and their lexical origins.
Each of a number of flattened sacs inside a chloroplast, bounded by pigmented membranes on which the light reactions of photosynthesis take place, and arranged in stacks or grana.as modifier 'thylakoid membranes'
- 'The pigment proteolipids of thylakoids have both a photosynthetic function and a role in membrane structure.'
- 'Affected leaf tissue is white and the plastids lack thylakoids and chlorophyll.'
- 'Chloroplasts at the proximal end of the cell also have grana, but with up to nine thylakoids per stack.'
- 'Chloroplast envelopes, stacked grana and unstacked stroma thylakoids were well-defined.'
- 'This organelle contains a complex membrane system, the thylakoids, in which the photosynthetic machinery is located.'
1960s: from German Thylakoid, from Greek thulakoidēs 'pouch-like', from thulakos 'pouch'.
Further reading
6 punctuation marks you might be using incorrectlyRead more
We take a look at several popular, though confusing, punctuation marks.
An A-Z of country name originsRead more
From Afghanistan to Zimbabwe, discover surprising and intriguing language facts from around the globe.
How brothers became buddies and brosRead more
The definitions of 'buddy' and 'bro' in the OED have recently been revised. We explore their history and increase in popularity.


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Cooking School
Finding local foods at Toronto's oldest market: The St. Lawrence Market
The historic St. Lawrence Market Image by: The historic St. Lawrence Market
Cooking School
Finding local foods at Toronto's oldest market: The St. Lawrence Market
Specialty local meats
A number of butcher shops can be found on the main floor of in the St. Lawrence Market place that specialize in all types of meats and specialty cuts. Buying directly from a butcher affords you the ability to ask the butcher about, how and where the meat you're buying was raised. A butcher will guide you to the most economical cuts and let you know when to buy to get a deal – he might even give you a discount if he recognizes you!
Bob Stoyanovski of Upper Cut Meats, along with his wife, Anica, have spent 27 years servicing the community the old fashioned way. These butchers pick carcasses themselves and dry age their beef in their own cooler to customers' specifications. Bob and his butchers are artisan rail butchers, cutting right in their facility in an age when most retail meat is factory butchered. Ground meats are made from their own trim, and Bob will cut and package any meats to order. To our readers' delight, Bob showcased fantastic Ontario lamb, and wonderfully product that is largely produced on family farm operations. The lamb is mild in flavour, low in fat, deliciously tender and available all year round.
Fresh fish and seafood
The three fish markets on the St. Lawrence premises each have their own particular selections that cater to their clientele's needs. Mike's Fish Market has been selling fish in the market in the same location for over 40 years. Mike himself has retired and the location has since been operated by a partnership of three owners under the name Allseas Fisheries. Allseas Fisheries operates five stores around the city and is one of the largest distributors of fish and seafood to restaurants and grocery chains in the area. The knowledgeable staff at Mike's are well trained and always ready to answer questions about the sometimes confusing world of aquaculture. We met with George Vasiliades, who has worked at Mike's for the past 10 years. George offered samples of smoked fish, while sharing information about Ontario lake trout from Lake Huron. Ontario is the leading producer of farmed rainbow trout; this represents approximately 80 per cent of the total production in Canada. There are two growing regions in Ontario, southwestern Ontario, where most of the fish hatcheries are located, and the Lake Huron area, where the deep, cold, clean waters provide the ideal environment for raising rainbow trout efficiently and deliciously.
Page 1 of 2: Find out where to get Parma prosciutto and Toronto's freshest produce on page 2 >>
Handmade cured meats
Heading over to Scheffler's Deli, one of the many cheese-and-prepared-meat emporiums on the periphery of the main floor, we meet with Odysseus Gounalakis. Odysseus took over the Scheffler location in 1992, but by no means is a newbie to the market scene. He has worked in the market since 1982, when he was just 17 years old. Odysseus came to Canada to go to university, fell in love with the market (and his wife, whom he met there) and ended up making it his career, Odysseus tells us "the market left a mark on my life and I never left." Scheffler's specialize in cured meats boasting the best selection of prosciutto in town with 11 different varieties. You can recognize the location by the fire-engine red slicer out front, in operation every Saturday slicing the delicately succulent flesh of Iberico hams and Parma prosciutto. Odysseus walked our group through a tasting of Niagara-made prosciutto and four different types of Ontario-produced artisanal cheeses.
Fresh produce downstairs
Descending to the market basement, directly at the bottom of the stairs is Phil's Place Produce, a long-standing market feature. The original Phil is no longer running the show: eight years ago, the Kim family, led by dad Mike, took over and have built a reputation of great selection and quality produce. We spoke with son Jonathan Kim, who told us about the personal relationships he has with many of the farmers that supply his produce market. Phil's gets fresh deliveries daily, and everything that they sell is hand picked by Jonathan. They have a fantastic selection of fresh herbs and are know for their root vegetable selection of exotic varieties like colourful purple potatoes, pink and gold beets and Ontario grown celeriac, available all year round. Luckily our visit coincided with the first crop of Ontario strawberries, available for a much shorter length of time, which Jonathan shared with us.
Farmers markets are open now: Find one this weekend, and explore your own local fare!
St. Lawrence Market photo gallery
Click here to see photos of the stalls and vendors mentioned in this article.
Page 2 of 2


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No Longer Vulnerable, Tool Gives Patients Power Over Money & Health
CHICAGO, March 30 Severe injuries, be it from an auto or work accident, are damaging enough. Adding to the difficulty of such circumstances is the mandated Medicare Set Aside process for some injured parties. Rising Financial Solutions (Rising), a wholly-owned subsidiary of medical cost containment and care management company Rising Medical Solutions, developed a tool that puts the power back into the patient's hands. The Company's new web portal finally lets an injured person manage their own health and money with as little or as much expert support as they want.
(Logo: http://www.newscom.com/cgi-bin/prnh/20080206/AQW030LOGO-b)
Right now this technology is needed more than ever. Recently, the Centers for Medicare and Medicaid Services (CMS) have cracked down on patients for inappropriately managing their Medicare Set Aside (MSA) fund - a portion of their settlement funds, typically equaling tens of thousands of dollars to treat an injured person after settling their claim. Now every party to a settlement involving an MSA fund - the plaintiff attorney, defense attorney, insurer, medical provider and patient - faces the potential of litigation with the US government if an MSA is mismanaged. Patients also have the additional risk of losing their Medicare benefits if mismanagement occurs.
Unfair, certainly; costly, absolutely; solvable, entirely, thanks to Rising's newly released technology. Now patients can save up to 75% off medical bills covered by their MSA. Reducing these bills helps patients stay in compliance with Medicare's rigorous guidelines and extends the life of their MSA funds.
"We see more and more cases of the Federal Government pursuing various parties due to the misappropriation of MSA funds," says Hany Abdelsayed, Rising Director of Business Development.
"Medical costs are increasing at least twice the rate of general price inflation. This volatile economic environment increases pressure to control claim costs, so carriers are having an even harder time settling cases. The need for knowledge and transparency is there. Patients shouldn't be kept in the dark and then punished for just not knowing any better," says Rising Director of Financial Operations, Christie Luke.
Often times, parties involved in settling the claim, including the plaintiff attorney, are not experts in Medicare compliance issues, so they're unable to advise the patient on how to properly administer an MSA fund. Additionally, settlement parties aren't able to follow the patient for the many years that come after the settlement to ensure continued compliance. It's stressful and nearly impossible for even a highly educated person to navigate the complexities of administering an MSA fund. Rising's bilingual web portal makes MSA administration as easy as using a check book. It records, manages and tracks every detail of the patient's medical bill and payment history through the life of the MSA fund. It also has repricing tools that reduce medical bills to the appropriate state's rates, per Medicare guidelines. If an authority questions a patient's use of the money, necessary proof is at their fingertips to help safeguard them from litigation and keep funds intact.
About Rising Medical Solutions Inc.
Rising Medical Solutions is a national medical-financial solutions firm that provides leading medical cost containment, care management and financial management services to the group health, auto, workers' compensation, and liability markets. Inc. magazine and the Private Company Index (PCI) rank the Chicago-based company as one of the fastest growing private enterprises in America.
Available Topic Expert(s): For information on the listed expert(s), click appropriate link. Jason Beans https://profnet.prnewswire.com/Subscriber/ExpertProfile.aspx?ei=73105
SOURCE Rising Medical Solutions Inc.
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Teenage Mutant Ninja Turtles Out of The Shadows 2016 Dual Audio Hindi 480p
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IMDB Ratings: 6.5/10
Genres: Action, Adventure, Comedy
Language: Hindi + English (Original Audios)
Quality: 480p BRRip
Size: 349mb
Director: Dave Green
Writers: Josh Appelbaum, André Nemec
Stars: Megan Fox, Will Arnett, Tyler Perry
Description:The Turtles continue to live in the shadows and no one knows they were the ones who took down Shredder. And Vernon is the one everyone thinks is the one who took Shredder down. April O'Neill does some snooping and learns a scientist named,Teenage Mutant Ninja Turtles Out of The Shadows 2016 Dual Audio Hindi 480p Baxter Stockman is working for Shredder. He plans to break him out while he's being transported. April tells the turtles who try to stop it but can't. Stockman tries to teleport Shredder but he some how ends up in another dimension and meets a warlord named Krang who instructs Shredder to assemble a teleportation device he sent to Earth a long time ago.
He gives Shredder some mutagen which he uses to transform two criminals who were also in the transport with him, Rock Steady and Bebop into mutants. And they set out to find the device. April saw the transformation while investigating Stockman, She would take the mutagen and she would be chased by Shredder's minions, the Foot Clan. He is saved by a man named Casey Jones who was the one who transporting Shredder. The Turtles show up and they try to work together. In the melee the mutagen ends up with the police.
Knowing Shredder will try and get it back, April tries to get it first she asks Vern to help. Eventually she and Casey are arrested.Teenage Mutant Ninja Turtles Out of The Shadows 2016 Dual Audio Hindi 480p The Turtles get the mutagen and Donatello analyzes it learns it could make them human, which he tells Leonardo who tells him to forget it and not to tell the others. But Michelangelo tells Raphael who feels that Leonardo doesn't respect them.
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Macon is located in Bibb county and has a population of 97,255.
For Georgia residents, the average tuition for all Macon healthcare management schools for the 2009 - 2010 school year was $12,323.00. For non-residents, the average tuition for Macon healthcare management schools was $13,878.00.
The cost, on average, for books and supplies needed for healthcare management schools in Macon is $1,157.00. Students who live on campus while attending a healthcare management school in Macon, can expect to pay an average of $8,394.00 for room and board. Students who live at home can expect average costs to be $2,983.00. Students have a choice of one healthcare management college in Macon to attend. In the 2008 - 2009 school year, reportedly 48 students completed healthcare management programs in Macon.
|Average Salary
|Number Employed in City
|Medical and Health Services Managers
|Medical Secretaries


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at DotNetNuke.Framework.DefaultPage.OnLoad(EventArgs e) in e:\websites\tvtechnology.com\public_html\Default.aspx.cs:line 791
TiVo and Netflix last week announced they would work together to give Netflix and TiVo Series3, TiVo HD, and TiVo HD XL subscribers access to movie and TV downloads streamed from the Netflix Web site.
The companies launched a test of the capability Oct. 30 in several thousand U.S. households and expect it to be broadly available in early December. The ability to watch content from Netflix instantly on the TV via TiVo DVRs will be offered at no additional charge to customers who subscribe to both services.
Integrating the Netflix streaming function into the TiVo will result in quick, easy access to a library of 12,000 movies and TV episodes. Movies are streamed from Netflix via the TiVo DVRs through a wired or wireless broadband connection and a Netflix Queue-based user interface.
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Subject: I have found a DVD that I think you would enjoy
|Saving the Titanic
Actors: David Wilmot, Ciarán McMenamin
Director: .
NR 2012 1hr 30min
Over the last 100 years, there have been countless stories about the Titanic s last hours, but little has been said about the shipbuilders and engineers who worked tirelessly below as the water rushed in and made the ultim... more »
Larger Image
|Actors: David Wilmot, Ciarán McMenamin
Director: .
Studio: Pbs (Direct)
Format: DVD - Color
DVD Release Date: 04/24/2012
Release Year: 2012
Run Time: 1hr 30min
Screens: Color
Number of Discs: 1
SwapaDVD Credits: 1
Total Copies: 0
Members Wishing: 1
MPAA Rating: NR (Not Rated)
Languages: English
Subtitles: English
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Director: n/a
NR 2012 1hr 15min
|Titanic at 100 Mystery Solved
Director: The History Channel
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|Curse of the Titanic Sisters
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Xgenplus is Most Advanced Enterprise Email Server
Communication by email still remains mission critical for business. If you run any mid/large organization, you have plenty of things in your mind like human resources, budgets, purchase, customers and deadlines.
Xgenplus keeps eye on email by E-Governance . It consists of UNIQUELY designed modules for Organizations, enabling them with features to improved productivity, security, user accountability and automated communication tasks through simple steps.
It's a powerful communication solution, which provides fast, secure and reliable unified communication i.e email, transactional emails, group emails, SMS and faxing all at one place.
Xgenplus is Ideal For: ISP / Hosting Companies / Larger Enterprise / SMB / BPO / Colleges and Schools / Government.
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We have a huge list of Unique features embedded in Xgenplus making it a Pioneer Product in it's domain…
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Here is a List of Features incorporated in Xgenplus which makes our Clients Kings of their Business…
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