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Probate and Planning
What Is a Will?
A will is a legal document that allows you to transfer your property at your death.
A will is a simple way to ensure that your money, property and personal belongings will be distributed as you wish after your death. A will also allows you to have full use of your property while you are alive.
Does Everyone Need a Will?
The law does not require that you have a will. However, a will is a useful tool that provides you with the ability to control how your estate will be divided.
If you die without a will, Minnesota's inheritance laws will control how your estate will be divided. Your property will go to your closest relatives. If you have a spouse and children, the property will go to them by a set formula. If not, the property will descend in the following order: grandchildren, parents, brothers and sisters, or more distant relatives if there are no closer ones. A table of Minnesota Heirship is available here.
You may not need a will if you have made provisions so that your assets will pass without one, for example, by establishing trusts, life insurance policies with named beneficiaries, or joint property interests such as real estate or bank accounts.
A will is necessary if you want to leave property to a friend or a charity, to give certain items to certain people, or to leave someone out who would otherwise inherit from you. You may also wish to appoint a specific person to handle your estate. Thus, often it is best to write a will so your intentions can be met.
What Rules Apply to Wills?
In Minnesota, the following rules apply to wills:
- You must be at least 18 years old and of sound mind to make a will;
- The will must be in writing;
- The will must be signed by you, by another person at your direction and in your presence, or by your conservator pursuant to a court order;
- The will must be witnessed by at least two people, both of whom must also sign the will; and
- You must intend for the document to operate as a will.
What Is a Self-Proved Will?
A will is self-proved when you and witnesses acknowledge in affidavits that you signed and executed the will voluntarily, within the presence of at least two witnesses, that you are over 18 years old, not under undue influence, and of sound mind. A will may be made self-proved at the time it is executed or at any time thereafter. You may want to consider this procedure as it helps establish that your will was properly executed, should it be contested in court.
What Is in a Will?
Generally, the following basic elements are included in a will:
- Your name and place of residence;
- A description of any assets you wish to give to a specific person;
- Names of spouse, children, and other beneficiaries, such as charities or friends;
- Alternative beneficiaries, in the event a beneficiary dies before you do;
- Establishment of trusts, if desired;
- Cancellation of debts owed to you, if desired;
- Name of a trustee for any trusts created;
- Name of a personal representative to manage the estate;
- Name of a guardian for minor children;
- Name of an alternative guardian, in the event your first choice is unable or unwilling to act;
- Your signature; and
- Witnesses' signatures.
Your will should clearly state who will get your property upon your death. You should also indicate, in an itemized and organized manner, how much each person will receive. You should be sure to name a guardian for your minor children and name a personal representative for your will.
Can I Leave My Spouse or My Children Out of My Will?
In Minnesota, your spouse may claim up to one half of the estate, even if he or she is left out of the will. The amount of money your spouse would get depends on how long you and your spouse were married. Your spouse has an option of whether or not to take this amount. Unlike a spouse, you may disinherit a child in your will.
What Is a Personal Representative?
A personal representative (also known as an executor or administrator) is the person who oversees payment of your debts and distribution of your assets according to your will. A personal representative is considered a fiduciary. This means that he or she must observe a high standard of care when dealing with the estate. You should identify a personal representative by name in your will. Most people choose their spouse, an adult child, a relative, a friend, a trust company or an attorney to fulfill this duty, but anyone can be named personal representative in a will. Since your personal representative will handle your assets, you should always pick someone you trust.
You may also appoint more than one personal representative. When there is more than one personal representative, all representatives must agree on any decision regarding the estate unless the will provides otherwise.
If no personal representative is named in a will, a judge will appoint one for you to oversee the distribution of your assets.
Responsibilities usually undertaken by a personal representative include:
- Filing your will, an inventory of your assets, and other documents with the court;
- Paying valid creditors;
- Paying taxes;
- Notifying Social Security and other agencies and companies of the death;
- Canceling credit cards, magazine subscriptions, and similar consumer items; and
- Distributing assets according to your will.
What Is a Guardian?
In most cases, a surviving parent assumes the role of sole guardian of your minor children. However, if neither spouse survives or if neither is willing and able to act, it is very important to name a guardian in your will. The guardian you choose should be over 18 and willing to assume the responsibility. Talk to the potential guardian about what you are asking before naming that person in your will. You can name a couple as co-guardians, but that may not be advisable. It is always possible the guardians may choose to separate at some later date; if so, a custody battle could ensue. If you do not name a guardian to care for your children, a judge will appoint one.
How Do I Prepare a Will?
You should outline your objectives, inventory your assets, estimate your outstanding debts and prepare a list of family members and other beneficiaries. You should then use this information to consider how you want to distribute your assets. Some questions you should ask yourself include the following:
- Is it important to pass my property to my heirs in the most tax-efficient manner?
- Should I establish a trust to provide for my spouse or other beneficiaries?
- How much money will my grandchild need for college?
- Do I need to provide for a child who has a disability?
Assets that you do not specifically address in your will may fall into a "catch-all" clause in your will. This catch-all provision is often called a "residuary clause" since it generally states, "I give the residue of my estate to …" Without this clause, the items you do not specifically mention will be distributed in accordance with state law. When it comes to actually writing your will, you may find it helpful to contact an attorney. In the Referral Guide section, phone numbers are available for various attorney referral and legal aid services.
How Do I Change or Update a Will?
You may want to update or change your will if:
- Your marital status changes;
- A child or grandchild is born;
- There is a death in the family;
- You move to a new state;
- The value and kind of property you own changes substantially;
- Your personal representative moves away or dies; or
- Tax laws change.
Wills can be changed either by writing and executing a new one or by adding a "codicil," which is an amendment to a will. The codicil must be written, signed and witnessed the same way as the will and should be kept with the original will.
Do not try to change your will by simply crossing out language or writing in new provisions. Crossing out language raises the question of whether you intended to revoke your whole will or just a part of it. Writing new provisions will be ineffective unless the provisions are signed by you and two witnesses.
The only part of your will that can be changed without being rewritten and executed is a separate personal property distribution list. If your will specifically states that you are distributing personal property by a separate document, you may simply write out a statement describing how you want to distribute your personal property. The statement can be written after the will is signed and it can be changed without revising the will itself. If you use such a statement, always be sure to date and sign it and clarify whether you wish to revoke any prior statements. If an item is disposed of to different persons in different writings, the last statement controls the disposition of the property, and all statements may be ineffective if their order cannot be determined.
A will is effective until you change, revoke, or cancel it, so it is a good idea to periodically review your will.
Where Do I Keep a Will?
Your will should be kept in a safe place. The original will should be placed where it can easily be found after your death. Make sure your personal representative, a close friend or relative knows where to find it and can access it, particularly if you are considering a safe deposit box.
In Minnesota, the probate court or court administrator's office will accept wills for safekeeping at no charge or for a nominal fee. You have the right to get your will back at any time. If an attorney prepares your will, he or she may be willing to hold it for safekeeping. If you do this, be sure to tell your family that the attorney has it.
What Is Probate?
Probate is the legal process of settling your estate in court after you die. Your property is gathered and inventoried, your debts are paid, and everything left over is divided among your heirs. Your personal representative is responsible for "probating" your will. If you have no will or did not name a personal representative, the court will appoint one for you.
Probating a will begins by filing an application with the probate court. Probate ends when all debts and taxes are paid and all assets are distributed. If there is disagreement over your will, a probate judge will resolve the differences.
When Is Probate Necessary?
Probate laws in Minnesota apply to the estates of people who were residents of Minnesota at the time of their death. Probate also applies to other states' residents who own real property in Minnesota.
Having a will does not avoid probate. The need for probate depends on what property you own and whether you own it alone or with others.
Real Estate.
Unless real estate is owned in joint tenancy with right of survivorship or placed into a trust, it must be probated. Joint tenancy means that the property is owned by two or more people who have an undivided interest in the property and that interest continues in the survivor after other owners die. If you are a resident of Minnesota and own real estate in another state at the time of your death, the probate laws of that state will apply to that real estate. In other words, real estate is probated in the state where it is located.
Personal Property.
If your estate is worth less than $50,000, your heirs may be able to collect the property without going to court by using an Affidavit for Collection of Personal Property. Your personal representative should notify all of the heirs of the property that they can collect. Heirs may not take your personal property until 30 days after your death. If your personal property exceeds $50,000 or you own real estate in your name alone, your estate must be probated.
What Items Are Not Subject to Probate?
Some kinds of property and assets do not need to be probated. These include property owned as joint tenants, jointly held bank accounts, payable-on-death accounts, life insurance proceeds to a specific beneficiary, and pension benefits with a designated beneficiary in the event you die.
Joint Tenancy Property.
As discussed previously, holding title to property in joint tenancy means that you and another person each have an undivided interest in the property and a right to own it after the other person dies. In the case of real property, this fact would be stated in your title documents. When a co-owner dies, the surviving property owner must file a certified copy of the death certificate of the deceased property owner and an affidavit of survivorship with the county recorder or registrar.
Jointly Held Bank Accounts.
As in joint tenancy of real property, you and one or more people may be listed as account holders of the same account. If one of the joint account holders dies, the other joint account holders own the money in the shared bank account.
Payable-On-Death Accounts (PODs).
A payable-on-death account is an individually owned account in which you choose someone else to receive the funds in your account upon your death. The beneficiary, or person getting the money upon your death, has no right to these funds until your death. You may set up a POD by contacting your financial institution. You may change the beneficiary by completing a new signature card at any time.
Life Insurance Proceeds.
Your life insurance policy can indicate a specific person, called a "beneficiary," who will receive your insurance proceeds when you die. Call your insurance agent or company if you are interested in naming a specific person or persons to receive your life insurance money.
How Is an Estate Probated?
Your personal representative starts a probate proceeding by filing an application or petition with the probate court in the county where you lived at the time of your death. Probate proceedings in Minnesota may be either formal or informal and generally must be initiated within three years after the decedent's death. The services of an attorney may be needed in order to correctly probate an estate.
The informal probate process is initiated by filing an application with the probate court. In some counties, you must file the application in person. If the probate registrar determines the application is complete, the registrar will issue a statement of probate and appoint a personal representative. In the informal process, the personal representative may pay debts and inheritances and may otherwise administer the estate without the court's supervision.
Applications for informal probate should include the following:
- The applicant's interest in the proceeding (i.e. spouse, child, attorney, personal representative, etc.);
- The decedent's name, dates of birth and death, and the county and state of residence at the time of death;
- The names and addresses of the decedent's spouse, children, heirs, and any others named in the will if there is one, and the age of any minors in this list;
- Statement showing venue if decedent was not domiciled in Minnesota at time of death;
- The name and address of the person who is, or should be, named personal representative; and
- Statement of applicant's knowledge of any probate or appointment proceeding concerning decedent filed in Minnesota or elsewhere.
If there is a will, the following also must be included in the application:
- A statement that the original will is in the court's possession, accompanies the application, or an authenticated copy of a will probated in another jurisdiction is attached to the application;
- A statement that the will has been validly executed;
- A statement that the applicant is not, upon investigation, aware that the will has been revoked; and
- A statement that the time for beginning informal probate proceedings has not expired, which is generally three years after the decedent's death.
The probate registrar has discretion to either accept or reject the application. It is not a final determination if the registrar rejects an application for informal probate and any such rejection does not prevent the will from undergoing formal probate proceedings.
Formal probate typically involves complex estates where a judge is needed to make determinations. Formal probate proceedings are commenced by filing a petition for formal probate with the court. The petitioner then must appear before a court at a hearing. Formal probate matters can be either supervised or unsupervised by the court. Because most people lack experience in formal probate proceedings, it is best to consult an attorney if an informal probate proceeding cannot resolve the estate. If the court finds that the petition is complete, the court will issue an order for probate and appointment of the personal representative.
How Will the Estate Be Distributed to Heirs?
If there is a will, the personal representative should distribute the estate property according to the will. If there is no will, the estate property will be distributed according to state intestate succession laws. A table of Minnesota's Heirship is available here.
The law generally provides that, without a will, your estate will pass to your spouse, if still alive, but in situations where either spouse has children from other marriages, the share of the spouse may be less than the entire estate. If your spouse is not alive, your estate will pass to your children in equal shares. You should consult an attorney to determine exactly how your estate will be divided if you do not have a will.
Sometimes, relatives cannot be located or traced. In this case, assets of the estate that cannot be distributed are deposited with the county treasurer until claimed.
Determination of Descent:
If a person has been deceased for more than three years, and the estate was not probated, an interested party must petition the Court for Determination of Descent in order to transfer the decedent's probate property either in accordance with the deceased's will or, if there is no will, Minnesota's inheritance laws.
What Taxes Must Be Paid?
Federal law provides that an individual can transfer up to a certain threshold amount to someone other than a spouse before incurring estate tax. As this amount varies year to year, visit the Internal Revenue Service's website at www.irs.gov for the most current federal estate tax exclusion amount. If you are married, you can transfer any amount of property to a spouse during your lifetime or after your death without incurring federal estate tax. Individual state tax laws may vary, however, and you should review the tax laws of the states where you have property. The Minnesota estate tax is separate from the federal estate tax and applies to estates over $1,200,000. As of 2018, only estates with over $2,000,000 will be subject to the tax. There are various programs and deductions that can reduce an estate's liability for the tax. For example, transfers between spouses are generally not taxable. Additionally, the State exempts certain types of farm property from the tax. An experienced attorney or accountant can help you plan for the impact of estate tax, and can help develop a plan to minimize the tax as much as possible.
Living Trusts
What Is a Trust?
A trust manages the distribution of your assets. A trust is created by the transfer of property by the owner (sometimes called the "grantor," "donor," or "settlor") to another person (the trustee). A trustee can be a professional with financial knowledge, a relative or friend, or a professional trust company. The trustee holds the title to the property and manages the property for the benefit of the beneficiaries who may be a specific person, a group of people, or an organization.
What Are the Basic Types of Trusts?
There are two basic types of trusts. A "testamentary" or "after-death trust" is created by the settlor's will which transfers property to the trust. A "living" or "inter vivos" trust is created during the lifetime of the grantor when all or part of the grantor's property is transferred into the trust.
Testamentary or After-Death Trusts.
An after-death trust will be created by a will after a person's death. The assets to fund these trusts must usually go through the probate process and may be supervised by the court even after the estate is closed. An example of an after-death trust would be one created by a parent leaving land to a trust to benefit a minor child in his or her will. The will establishes the trust to which the land is transferred, to be administered by a trustee until the child reaches a stated age, at which point title to the land is transferred to the child outright.
Living Trusts.
A living trust is a trust made while the person establishing the trust is still alive. In this case, a parent could establish a trust for a child during his or her lifetime, designating himself or herself as trustee and the child as beneficiary. As the beneficiary, the child does not own the property, but instead receives income derived from it. Living trusts can be revocable or irrevocable.
The most popular type of trust is the revocable living trust, which allows the settlor to make changes to the trust during his or her lifetime. A revocable trust usually directs the trustee to pay all income to the settlor for life and to pay the trust assets to named persons after the settlor's death. Revocable living trusts avoid the often lengthy probate process but, by themselves, don't provide shelter for assets from federal or state taxes. These trusts are often considered tax-neutral as the tax consequences for the grantor are usually the same whether or not the property is placed in a trust.
An irrevocable living trust is usually set up to reduce estate or income taxes. For tax purposes, the trust becomes a separate entity; the assets cannot be removed nor can changes be made by the settlor. In most cases, the settlor cannot be sole trustee of an irrevocable trust without losing the intended tax benefits.
Specific-Use Trusts.
Trusts can be tailored to fit your goals. An attorney can help you evaluate your particular needs in light of your overall estate planning objectives. Here are a few special uses for trusts:
- A charitable trust is used to make donations and realize tax savings for an estate. Typically, you transfer property, such as art or real estate, to a trust. The trust holds the asset until it is transferred to a charity, usually after your death. The donor may continue to enjoy the use of the property and also realize estate tax savings by donating it to a charity.
- A bypass trust allows a married couple, in certain cases, to shelter more of their estate from estate taxes. The first spouse to die can leave assets in a trust which provide income to the surviving spouse. Upon the death of the second spouse, the assets in the trust belong to the children or other beneficiaries, without being taxed at the second spouse's death.
- A spendthrift trust can be a good idea if the beneficiary is too young or does not have the mental capacity to handle money. The trust can be established so that the beneficiary receives small amounts of money at specified intervals. It is designed to prevent the young person from squandering money or losing the principal in a bad investment. Further, creditors will not be able to take a beneficiary's income from this trust.
- A life insurance trust is often used to give an estate liquidity. In this case, the trustee of the trust is named as the beneficiary of the life insurance policy. The trust then receives the life insurance proceeds upon the death of the insured.
What Are the Pros and Cons of a Revocable Living Trust?
Revocable trusts offer some advantages. First, a revocable living trust enables you to have a trustee with financial expertise manage your assets during your lifetime. The trustee with financial experience might charge a fee of around 1% of the total amount of the property in the trust. This arrangement is particularly useful if you are having difficulty managing your financial affairs. A trustee could invest your assets, arrange for payment of bills and debts, and file your tax returns. If you wish, you can establish yourself as a co-trustee.
Second, a revocable living trust can protect your privacy regarding the distribution of your assets. With a will, the probate laws require that an inventory of the estate's assets be filed with the court. The will and the inventory are public information. With a revocable living trust, generally only the beneficiaries of the trust will be informed of the nature and the value of the assets. The important thing is to make sure that all of your property is in the trust.
Third, by placing your assets in a revocable living trust instead of a will, you can avoid the time delays that are typical of probating a will. Trust assets, in most situations, can be distributed to beneficiaries almost immediately after the death of the grantor.
Fourth, if you own land in another state, a revocable living trust might help you avoid a probate proceeding in the other state for that property. For example, if you have a cabin in Wisconsin and place it in a revocable living trust, you may be able to avoid a Wisconsin probate proceeding.
There are some potential drawbacks to a revocable living trust. First, transferring property into a revocable living trust may make you ineligible for Medical Assistance. Second, when the grantor is also the trustee, the grantor has a fiduciary obligation to the beneficiaries for both present and future income. A fiduciary duty is a high standard that requires the trustee to follow the terms of the trust and the law in good faith and with loyalty, confidence and candor to the beneficiaries.
How Do I Establish a Trust?
Establishing a trust requires a document that specifies your wishes, lists beneficiaries, names a trustee or trustees to manage the assets and describes what the trustee or trustees may do. For a living trust, you can name yourself as trustee but, if you do, you should also name a successor trustee to take over if you should become disabled or die. Once the document is completed, you must transfer the assets to the trust. Keep in mind that, in the case of certain assets, such as real estate, you may incur fees and transfer taxes.
If the living trust contains all of your property, a will may be unnecessary and you can avoid probate. If the trust contains only part of your property, you need a will for the rest of it. If you want your property to go into the trust after your death, your will should include a "pour-over" provision to put the remaining property into the trust upon your death. Also, a will can be used to distribute personal belongings, identify guardians for your children, and provide for a personal representative to handle any unfinished business. If assets are not put into a trust and are disposed of by a will, they will have to be probated, which negates the advantage of the living trust.
Prepared forms or kits used to establish living trusts are currently marketed through magazines, brochures and door-to-door salespeople. Review these forms carefully; they may be too generic to suit you and your situation.
Watch out for investment scams advocating unrealistic benefits of a trust. Also beware of workshops conducted by people with the intent to sell you something rather than to provide objective information. If you want to set up a trust, be sure to talk with people who are credible and trustworthy.
You may want to consider contacting an attorney if you would like to set up a trust. An attorney can help you evaluate the need and uses of a trust in light of your overall estate planning objectives.
What Is the Role of the Trustee?
The trustee is considered a fiduciary and therefore must adhere to a high standard of care with respect to the trust. Included in this standard is the duty to protect trust property, to manage trust investments prudently, to refrain from engaging in self-dealing or receiving improper benefits from the trust, and to not mingle trust assets with the trustee's own assets. The trustee has a duty to manage the trust's assets in the best interests of the beneficiary or beneficiaries. This might include managing rental properties, investing funds, or paying income to the beneficiary.
Trusts differ in how a trustee can distribute trust income. A simple or mandatory trust requires the trustee to distribute income to the beneficiary. A complex or discretionary trust may afford the trustee discretion over the principal and income to be distributed. The requirements imposed on the trustee should be specified in the trust.
If you want to name someone as a trustee, talk with that individual or entity about the trust. Be sure the person not only agrees to serve as trustee but can comply with the terms of the trust. Because the fiduciary standard imposes such a high standard of duty and corresponding potential liability, the trustee cannot be forced into becoming a trustee just because he or she is named in a trust document or will. If your designated trustee is unable or unwilling to perform, the court will appoint a trustee for you, unless a successor trustee, such as a corporate trustee, is designated.


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Armenian FM to launch Genocide commemoration events at National Press Club
The centennial of the Armenian Genocide will be the subject of a Newsmaker news conference at the National Press Club's Broadcast Center on Thursday, May 7.
Armenian Foreign Minister Edward Nalbandyan, Chief of Staff to the President of Armenia Vigen Sargsyan, and Chairman of the National Commemoration of the Armenian Genocide Centennial (NCAGC) Chairman and 100 LIVES Co-Founder Noubar Afeyan, will discuss the events of 100 years ago and also will highlight memorial events being held in Washington and across the globe during the week by the Armenian community, a PR Newswire press release reports.
Thousands of Armenians, along with policymakers, religious leaders from the U.S., Canada and around the world will be gathering on May 7-9 in Washington, D.C., to remember the 1.5 million men, women and children who perished a century ago. Commemoration events also will honor individuals and organizations that worked to save Armenians in 1915.
This Newsmakers news conference is scheduled for Thursday, May 7 in the NPC Broadcast Operations Center.


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Welcome to ReachOut Parents
When a parent recognises a teenager needs help, they're more likely to get it. That's why we've introduced a service to help parents help teenagers. On this site you'll find information, stories, practical tips and tools, including anonymous parent forums that cover a range of topics, issues and experiences relevant to teenagers aged 12–18 years. W


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Salesforce Introduces Lightning Customer Communities
Salesforce, in an effort to help its customers improve their customers' experiences, has made robust changes to its Community Cloud offering.The most critical brand differentiator today isn't price or even product but customer experience. Indeed, researcher firm Gartner has called customer experience the "new competitive battlefield." With that in mind, Salesforce.com has updated its Community Cloud offering with Lightning Customer Communities'."" Lightning Customer Communities builds on the Community Cloud Salesforce introduced in 2013 to enable companies to create online spaces where customers can ask questions, find answers and engage with a like-minded community. Salesforce makes it possible for a company to add a tab or a link to its Website that leads to a page which feels like part of the site, but actually is hosted by Salesforce. "Customers always want to go faster. They always want a richer, more engaging experience. So we wanted to lower the technical barrier for them," Michael Stone, Salesforce senior vice president 'of marketing for its Community Cloud, told eWEEK.
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Is Micropublishing the Death of Publishing—or Its Salvation?
Self-publishers are putting out thousands of books that almost nobody will read, and making money at it
Self-publishers are putting out thousands of books that almost nobody will read, and making money at it
A Techwise Conversation with Nina Tandon, EE and tissue engineer
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Using new technologies, researchers are creating smart fabrics that could protect us from disease and make our lives better
In a key step toward going fossil fuel-free, Bornholm is building the power grid of the future.
Smart vehicles could make the roads safer and ease congestion.
The idea of solar panels circling Earth and beaming down power is gaining traction
Nanotechnology will shape society, but scientists and the public have a say in just how much.


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The La Quinta Inn Oceanside is located in sunny Oceanside, CA near several area beaches, museums, and other attractions. This hotel offers a complimentary deluxe continental breakfast and business center. Free high-speed Internet access and microwave in all rooms.
Pet Policy
Pets stay FREE at La Quinta! Domestic pets, like cats and dogs, are welcome to stay at La Quinta. While rooms are spacious, no more than two (2) domestic pets are allowed per room. Be sure to keep your pets on a leash or in a carrier if they're outside your room. Pets may remain alone in a guestroom so long as the pet is well-behaved. With the exception of authorized service animals, pets are not allowed in the breakfast area, the fitness center and the laundry room or at the pool. If your cat is staying with you, you'll need to provide a litter box.
Features and Amenities
- Free Internet Access
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ReservationsBook Online or call 760-450-0730
Address & Contact:
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text:
Folktales of the Jews
Tales from the Sephardic Dispersion Tales from the Sephardic Dispersion v. 1
Edited by Dan Ben-Amos Dov Noy
Format: Hardback
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Folktales of the Jews by Dan Ben-Amos
Book DescriptionThanks to these generous donors for making the publication of the books in this series possible: Lloyd E. Cotsen; The Maurice Amado Foundation; the National Endowment for the Humanities; and the National Foundation for Jewish Culture. Tales from the Sephardic Dispersion begins the most important collection of Jewish folktales ever published. It is the first volume in Folktales of the Jews, the five-volume series to be released over the next several years, in the tradition of Louis Ginzberg's classic, Legends of the Jews. The 71 tales here and the others in this series have been selected from the Israel Folktale Archives (IFA), named in Honor of Dov Noy, at The University of Haifa, a treasure house of Jewish lore that has remained largely unavailable to the entire world until now. Since the creation of the State of Israel, the IFA has collected more than 20,000 tales from newly arrived immigrants, long-lost stories shared by their families from around the world. The tales come from the major ethno-linguistic communities of the Jewish world and are representative of a wide variety of subjects and motifs, especially rich in Jewish content and context. Each of the tales is accompanied by in-depth commentary that explains the tale's cultural, historical, and literary background and its similarity to other tales in the IFA collection, and extensive scholarly notes. There is also an introduction that describes the Sephardic culture and its folk narrative tradition, a world map of the areas covered, illustrations, biographies of the collectors and narrators, tale type and motif indexes, a subject index, and a comprehensive bibliography. Until the establishment of the IFA, we had had only limited access to the wide range of Jewish folk narratives. Even in Israel, the gathering place of the most wide-ranging cross-section of world Jewry, these folktales have remained largely unknown. Many of the communities no longer exist as cohesive societies in their representative lands; the Holocaust, migration, and changes in living styles have made the continuation of these tales impossible. This volume and the others to come will be monuments to a rich but vanishing oral tradition.
Buy Folktales of the Jews book by Dan Ben-Amos from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9780827608290
(229mm x 152mm x 55mm)
Pages: 600
Imprint: Jewish Publication Society
Publisher: Jewish Publication Society
Publish Date: 25-Oct-2006
Country of Publication: United States
Other Editions...
Books By Author Dan Ben-Amos
Folktales of the Jews, Hardback (April 2011)View all books by Dan Ben-Amos
Presents tales from North Africa, Yemen, Lebanon, Syria, and Iraq in the latest volume of the most important collection of Jewish folktales ever published. This is the third book in the multi-volume series in the tradition of Louis Ginzberg's timeless classic, Legends of the Jews.
» Have you read this book? We'd like to know what you think about it - write a review about Folktales of the Jews book by Dan Ben-Amos and you'll earn 50c in Boomerang Bucks loyalty dollars (you must be a member - it's free to sign up!)
Author Biography - Dan Ben-Amos
Dan Ben-Amos, Ph.D., is a professor of folklore at the University of Pennsylvania, the general ditor of Indiana University Press's Folklore Series, and the senior editor of Mimekor Yisrael: Folktales of Israel. Dov Noy, Ph.D., is the Max and Margarethe Grunwald Professor of Hebrew Literature at the Hebrew University, the director of Hebrew University Folklore Center, professor of Yiddish folklore at Bar Ilan University, the 1988 recipient of the Jerusalem Prize, and the founder of the Israel Folktale Archive.
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Talk:Bété syllabary
From Wikipedia, the free encyclopedia
|WikiProject Africa / Ivory Coast
|(Rated Stub-class, Low-importance)
|WikiProject Writing systems
|(Rated Stub-class, Mid-importance)
Just a quick and inadequate stub to fill a gap. Not sure if there is any official name for this alphabet, or whether it should be called here a syllabary - despite all the references to it as an alphabet. Also some information from the bio article on Frédéric Bruly Bouabré should probably go in this article.--A12n 03:05, 28 October 2007 (UTC)


text:
Sunday - Saturday
09.00 - 17.00Contact Details
Phra Padhone Chedi Phra Padhone Chedi
Tambon Phra Prathon, Amphoe Mueang, Nakhon Pathom
66 34 212 011, 66 34 212 313, 66 34 242 440
Phra Padhone Chedi was formerly in an upside-down bell shape similarly to other Chedi built in Dvaravati period. Due to its location in the middle of the ancient city of Nakhon Chaisi, several artefacts were discovered during excavations, ranging from Buddha images, heads of Buddha images and Buddha images in terracotta, as well as a bronze figure of a garuda gripping naga under its claws, which is an official symbol of King Rama VI.
Getting there: Two kilometers further from the east of Phra Pathom Chedi down on Petchakasem Road.
Opening hours: Daily 9am-5pm
Contact: Phra Padhone Chedi, Tambon Phra Prathon, Amphoe Mueang, Nakhon Pathom Tel. 66 34 212 011, 66 34 212 313, 66 34 242 440


text:
All recipes serve six.
Grilled polenta with creamy onions and cheese
Before anyone complains, I have tried instant polenta - it is, with the best will in the world, really dull. The little extra effort required to cook the real McCoy, though time-consuming, is paid back in abundance - using the coarse-grained polenta renders a light texture with a good bite.
For the polenta
1.5 litres water
300g coarse polenta
30g Parmesan, grated (optional)
For the sauce
Olive oil, for frying
500g sliced onions
1 tsp white-wine vinegar
Sea salt and black pepper
50g unsalted butter
60ml whipping cream
30ml chicken stock (or water)
6 x 25g slices Taleggio, Gorgonzola or grated Parmesan
First, make the polenta. Put the water into a stainless-steel pan, add a little salt, and bring to a boil. Whisking the water constantly, pour in the polenta in a fine shower - this way, you can ensure that no lumps will form in the hot liquid. Once all the polenta flour has been mixed into the water, reduce the heat and cook gently for 40 minutes, stirring all the while. If you have to leave the pan unattended for a minute or so, ensure that you give it a good stir along the bottom and sides beforehand. Once cooked, spread the polenta out on a lightly-oiled baking tray, cover and set aside to cool.
Now make the sauce. In a heavy-based pan, heat the oil, then tip in the onions. Stir for a few minutes, making sure that the onions do not take on any colour, then reduce the heat and leave to sweat down for half an hour, by which time they should be softened and pale. Turn up the heat and add the vinegar, stirring until it has evaporated, then add the salt, pepper, butter, stock (or water) and cream. Leave to simmer for a further 10 minutes, to allow the liquid to reduce and adhere to the onions. Remove from the heat, and keep warm. (This part of the dish can be prepared in advance and reheated gently prior to serving, if needs be.)
Preheat the oven to 200C/400F/ gas mark 6. Cut the polenta into 12 slices, sprinkle lightly with oil, then lay them under a low-medium-heat grill (or, if you prefer, on a griddle pan) until a dark crust has formed on one side. Turn over the slices, and cook the other side in the same way.
Lay six of the slices on a lightly-oiled baking tray, spoon over a little of the creamy-onion sauce, lay on a slice of cheese, then top with another slice of polenta. Bake for four to five minutes, and serve at once, with a little grated Parmesan, if you wish.
Grilled rabbit with trevisse
The wonderful, deep red of Trevisse and radicchio lettuces is gorgeous and the flavour is quite bitter. Out of season, that bitterness is even more pronounced, so you can only tell by tasting a leaf if it's suitable for grilling, which intensifies the bitter flavour, or for roasting, which makes it milder. These are prized vegetables, and so need treating with respect - they are most definitely not to be used as a pretty salad leaf. Also, please don't use that cheap balsamic condiment that dominates the supermarket shelves, as it seems more related to vanilla essence than to true balsamic. The good stuff is expensive, sure, but then you need use only a couple of drops at a time.
750g trevisse or radicchio
6 rabbit legs, unboned
120g pancetta (or smoked streaky bacon)
12-18 fresh sage leaves
1 clove garlic, peeled and crushed
Top-quality balsamic vinegar
Olive oil
Milled black pepper
Cut the trevisse lengthways into quarters and wash well, discarding any blemished leaves. Heat up the grill (or a griddle pan). Brush the rabbit with a little oil, then lay them under the grill - keep the heat at a medium level, to avoid any unnecessary charring: blackened foods cause indigestion, not pleasure.
Remove the rind from the bacon, cut the meat into little strips and fry gently in a heavy pan. Add the sage and a pinch of pepper, stir and put to one side. Once the rabbit is marked and coloured all over, and quite cooked within (about 10-15 minutes), put the legs into the bacon pan, along with the garlic and three or four drops of the vinegar. Roll the rabbit pieces around in the pan until they are thoroughly dressed in the bacon, sage and balsamic.
Wipe the grill pan clean, lay on the prepared pieces of trevisse, and place under the hot grill. After five or so minutes, turn the pieces over and drizzle over a little olive oil. Cook until the leaves are soft and tender (they will lose most of their colour). Once done, serve the trevisse on to plates and place the rabbit on top. Spoon over any liquor from the frying pan.
A curd made from seville oranges
A very good dinner recently at the Cow - the current culinary home of the great Juliet Peston and Weekend's very own Kitchen Doctor, Rosie Sykes - was finished with an elegant pastry crust filled with a Seville orange curd. It was splendid. The only time I have ever cooked in a microwave was a very long time ago, when I was working for a catering company: the only good use I found for it was for making a batch of lemon curd, as it meant that you did not have to stand there stirring the mix constantly. It is not revolutionary, I know, but curious none the less.
4 Seville oranges
130g unsalted butter
180g caster sugar
4 eggs
Finely grate the zest from the oranges, taking great care to leave all the pith behind. Juice the oranges and pass it through a fine-mesh sieve. Place the zest, juice, sugar, butter and eggs in a Pyrex bowl and place in the microwave.
I used to cook this at two- to three-minute intervals, then give the curd a whisk, and repeat the whole process until the curd was done. However, as I said, it was an awfully long time ago, and I have no real recollection of just how powerful that particular machine was. As such, it would be best in this instance if you followed the cooking instructions for your own machine. Whatever interval you cook at, each time the pinger goes off, give the curd a good whisk. Continue thus until the curd has thickened and is fully cooked.
Curd must not be in the least bit thin, and even though there are eggs within there is little chance of it splitting. To make a tart, simply roll out a tart case and bake. When the pastry is cool, fill with the curd and refrigerate for half an hour or so. This is very good with lightly-whipped double cream
Jeremy Lee is chef at Blue Print Cafe, London SE1.
Thanks to guardian.co.uk who have provided this article. View the original here.


text:
Before we dive into the expansive, oddly touching and hugely successful series finale for American Horror Story: Asylum, let me just say that it's been an honor sharing a hydrotherapy tub with y'all for the past 13 weeks. This season has been totally batguano insane, and it's been a riot navigating the murky corridors of Briarcliff Manor with you.
I'd also like to thank the folks behind this season's unhinged sprawl for delivering, in this finale, an homage to one of my most favorite horror subgenres: the "Matron in Peril" film, or as I like to call them, "Final Nana" movies. You know them well and love them better: horror films that pass over hot teens in short-shorts in favor of slightly more seasoned leading ladies. Eyes of Laura Mars, The Fan, Whatever Happened to Baby Jane, and Visiting Hours are a few of my favorite examples, and Miss Lana Winters would have fit right in with their septigenerian survivors.
NOW: Let's finish what that abortionist started back in 1965, shall we?
We start in modern day, where Johnny Face (Dylan McDermott) is breaking into the ruins of Briarcliff, popping in his earbuds and listening to his mother read from her book Tales from Briarcliff. He also very nearly lops his right ear off with the machete that he brought along:
That boy sure knows how to pack for a picnic!
He wanders the halls, and imagines running into Miss Lana Winters (Sarah Paulson) herself in the tub room:
She calls him an abomination and says that he was conceived out of hatred, not love. And also, someone who's not his mother dresses him funny.
Johnny Face continues on, watching ghosts of the past dart back and forth like characters at Disney's Haunted Mansion. It's delightful. Eventually Lana's audiobook turns to Oliver Thredson (Zachary Quinto), and Johnny sees his papa enter.
Oliver tells Johnny that he loved him even before he was born, and he touches his face. Aww. Just then, Johnny hears voices that aren't coming from his earbuds or from somewhere in his own twisted skull: it's Adam Levine and Jenna Dewan Tatum! Okay, so it's "Four Months Ago" and we're back at the opening of the first episode. Well done.
Adam and Jenna go about their naughty business, and Johnny hides out in a cell smoking crack. As you do. When Adam sticks his cameraphone through the slot in the door, Johnny pulls on his Bloody Face mask, hauls out his machete, and chops off his arm:
Okay, well… mystery solved. Although, considering we already knew he was in there it's really not a big surprise – was anyone else hoping that there was some leftover from the Dr. Arden Collection still hanging out in the ruins? Ah, well – at least they didn't just leave it dangling, and we get to see Maroon 5 bite it again.
We then move to the impeccably-appointed, tomato-red sitting room of an elderly (yet still badass) Lana Winters, who is welcoming a camera crew into her home for an interview to be used when she receives a Kennedy Center Honor. Well la-di-dah, Lana Banana! Lana spars gently with the interviewer, a young woman preposterously named April Mayfield (Camille Chen), until from out of nowhere the LUMINOUS former supermodel and erotic thriller goddess Joan Severance (The Love Boat: The Next Wave) emerges with a glass of chardonnay for her lady love:
April tries to get Maria to appear on camera, but these ladies are too clever for that. She's a famous opera singer, from the sounds of it, and before she pops off to her fabulous appointment, she plants a kiss on Lana and reminds her that they have "that Sondheim thing" that evening:
If I had eggs, I think I would have just released them. All of them. At once, like a broken gumball machine.
So Lana's made quite a name for herself as a tough-as-nails television reporter and interviewer. Good for her. Unfortunately, she won't talk on camera about Bloody Face, because she's tired of him being famous because of her. She won't give him another minute of air time.
Oh, before we move on, I want to point out that Joan Severance isn't the only special guest star this episode. There's also a fantastic supporting performance by a fish-eye lens:
Seriously, it must be the hardest working lens in Massachusetts. Stay tuned for lots more.
Anyway, Lana and her plastic surgeon-curated face take us back in time to her big break: the expose that shut down Briarcliff. Now that's more like it – this is the Lana Winters that we came to know and love. I don't know who that chick barking about almonds and Tab was last week, but it's good to have ol' Bananas back.
We get a peek at Lana's first television "Special Report", which looks awesome:
Totally feeling the iron-on letters. Actually, that title sounds a bit like a porno, doesn't it?
Oh – well here we go:
Okay, okay – technically that man is suffering horribly from mistreatment and lack of proper psychiatric care and we shouldn't be ogling his farter.
But let's face it, this probably qualifies as porn to someone, somewhere:
Anyway, Lana managed to get back in to Briarcliff with a film crew using the death chute. Which is the way she got in to begin with – actually, why didn't she try that earlier? Sigh. Anyway, she tells the guys to keep filming no matter what – "I wanna put America IN the asylum." They find that the asylum is, predictably, a complete mess – patients flail about in their own crap everywhere and there is no supervision to be had – it's basically a few two-way mirrors short of the Big Brother house.
It's really just a disgusting, sad sight. Lana is SUPER happy to be back, though:
They eventually find an employee, which isn't easy. So Briarcliff became a Bed Bath and Beyond? [SHUDDER]
Lana demands to see Judy Martin, and the beleaguered yet handsome orderly takes her to the solitary cells. He confesses on the way that there's just not enough staff to keep anything in order anymore.
Lana goes into the cell and finds Judy Martin (Jessica Lange), who is by now a shaking, wild-eyed mess. It's really tragic. Lana tells Judy in her "I am serious reporter" voice that she is Lana Winters and she is there to get her out.
Jude barely manages to get to her feet and shuffle with Lana out of the cell.
Back in the present, August Moon notes that she doesn't remember that scene from the report. Lana says that it's because it didn't actually happen – when she got back into Briarcliff, Jude was long gone. She asks for a break, and they call for a PA to grab her a sparkling water. A man hands Lana her drink and she looks up and gives him a dry "thank you."
Yup, it's Johnny Face, your crack-smoking unaborted serial killer son who wants to kill you and then treat your bosom like a couple of chardonnay-filled Caprii Suns. Enjoy the seltzer.
We jump back to the 1970s to see Lana visiting Kit (Evan Peters) at his house. He's happy to see her but not happy that she has a camera crew with her – what gives? She wants to know who Betty Drake is, and whether or not she's at his house. We flash back to Briarcliff, as Lana rifles through the piles of patient files that are lying all over the place (accidentally uncovering a man underneath them, giving us the only true scare of the episode) and finds a form showing that Kit Walker signed for the release of this Betty Drake. Lana knows it's Jude.
Kit says that after Alma died in Briarcliff he continued to visit Jude, mostly to play checkers and keep her company. Eventually he was able to get her released, and he brought her home to live with him and his kids. Hey – who the hell is this lady, by the way?
Seriously, who was that in Kit's kitchen? She gets a close-up and then vanishes into thin air. Who does she think she is, Sunshine Corazon?
Kit helps Jude to detox from all the horse tranquilizers and for a while she seems to be doing well. But every now and then she snaps, thinking that she's still in Briarcliff (and still Sister Jude). One such episode finds her swatting a broom at Kit's alien spawn, thinking that they're the murderous little brat from earlier in the season. Little Julia and Thomas aren't afraid:
In fact, even though Kit tells them to go outside and play, they tell him that it's okay, and each of them takes one of Jude's hands:
She calms down and walks with them outside, into the woods:
It's gorgeous.
Kit tells Lana that he never found out what happened out there, but when they came back Jude was different. She seemed alive again – she taught them all how to swing dance and cuss like sailors:
She also encouraged the kids to defy ascribed gender roles – she taught Thomas to sew and gave Julia trucks to play with. For six months, she was vibrant, alive, and happy.
Lana is happy to hear the news, and she nods approvingly above the most godawful bowtied getup I've ever seen. Oh – by the way, from this point on the episode basically turns into a nonstop fashion show for Lana. It's like a rack of McCalls patterns became sentient and went on to win a Peabody. It is amazing.
Eventually, though, Jude's new lease on life ran out. She knew it was coming, so she left the kids with some final words of wisdom ("Don't ever let a man tell you who you are;" "Find something that you love") and turned away Kit's mushroom barley soup (which, to her credit, sounds vile). Kit tells her that he's there for her and she's not alone, but Jude tells him that she knows – "She's here for me.'
Jude looks past Kit at Jafar, the Angel of Death (Frances Conroy), and in a beautiful bit of dreamery her bed floats across the room towards her. Jafar reminds Jude that they've done this dance for years now, but Jude insists that she's ready. In a rapturos, spiraling push-in, we see the two of them suspended in the inky beyond, and Jafar gives her a final kiss.
It's an incredible sendoff. Did Judy Martin deserve it? We'll get to that later.
In the present, January Jonquil presses on, asking Lana about her next big expose, in which she took down Cardinal Timothy Howard (Joseph Feinnes), blowing the lid off his involvement in Dr. Arden's human testing scandal. They found the bones of Mr. Spivey (tiny, sparrow-like bones) in the woods and they want answers! Lana – in her proto-TMZ style – ambushes the Cardinal in a parking garage (what, the Cardinal of New York has no security? or at least underage attendants?) and apparently the exposure is enough to drive our dear, power-hungry Shelley-murderer to do this:
Is this episode a Staples? Because that was easy.
April mentions that people still blame Lana for the Cardinal's suicide. Lana replies that "lies are like scars on your soul – they destroy you."
You know what's like a scar on my soul, Lana? That necklace:
Seriously, what the hell is that thing? Did she gold-plate part of Oliver's skull and throw it on a laniard? CREEPY.
Speaking of lies, Lana decides to come clean about one thing: she didn't abort that baby that she was pregnant with after Oliver raped her. She gave him up for adoption but then she became obsessed with him and managed to use her "sleuthing skills" and best fur coat to track him down:
Turns out little Johnny was a bookish kid who got beaten up by bullies, who called him "fag" and made untoward overtures about dinosaur dongs. He also looked a bit like a tiny Joseph Gordon Levitt:
Lana stands up for the kid and leans in to touch his little face. She's serving some serious Lee Remick in The Omen realness here:
Not that that's deliberate or anything, I'M SURE.
Anyway, as she rhapsodizes about the little angel that she gave away, we cut to what might be my favorite shot of the entire season: Johnny Face eating a chocolate-frosted Long John in the other room:
I don't think that you necessarily need to share my personal passion for donuts to understand just how delicious that moment is: it's equal parts menace and banality, and it cracks me the hell up. Serial killers: they're just like us! Plus, Dylan McDermott looks really hot with a Long John in his mouth. No, that's not a euphemism.
Lana changes outfits for the '80s, this time throwing on a Dynasty-ready number to fill us in on what became of dear, sweet, dumb Kit Walker. Turns out he got married (Yaaay!) and then got pancreatic cancer at age 40 and became very ill. (Aww!) That's sad. Lana visited him:
Then something strange happened: that fish-eye lens came back!
Oh, and also the aliens.
Yes, the aliens took Kit back. His kids said that his disappearance was nothing to be sad about. Speaking of the kids, they grew up to be a Harvard professor and a neurosurgeon at Johns Hopkins. Are we supposed to be comforted by the fact that alien babies are infiltrating the halls of our higher learning institutions?
At last, the interview is over and Lana sends the crew packing. After they're gone, she pads over to the bar cart and takes out two glasses. She asks the room, "Can I fix you a drink?" Ooooooh SNAP, Baby Face – you got BUSTED!
Johnny comes out from hiding. She could probably just smell the chocolate icing. She tells him, "Let's get this over with, shall we?"
Lana gives Johnny his drink and tells him she always knew this would happen. She asks how he got on the camera crew and he tells her that he waited outside and killed the first guy to arrive – the guy with the donuts. Okay, you know what? I don't like you any more.
Johnny asks how she knew it was him and she coos, "How could I not recognize my own baby boy?"
Touche, Mother Courage.
Turns out she's playing him – she knows his face because earlier she was visited by the crotches of several detectives who brought with them Johnny's photo and resume:
Yes, that shot was upside-down. No, I didn't do it.
Lana asks how he found out that she was his mother, and he says that she gave it away on the playground that day. After he saw her on TV and recognized her he did his research – even finding Oliver's taped confession (on eBay!) in which she goaded Oliver into admitting his crimes by threatening to abort the baby in front of him. Not exactly the best first impression, I gotta admit.
Johnny stands and approaches Lana and she looks up, asking, "What's it gonna be, Johnny?"
He sits across from her and pulls out a gun, which he points at her head:
It's the moment of truth: can the woman who could get any man to open up on camera talk her own, not-aborted serial-killer-wannabe crackhead son out of shooting her in the head? Can the woman who survived a serial killer, electroshock, conversion therapy, warm Tab and Lois the predatory lesbian possibly survive her biggest regret with a loaded firearm?
The answer right after this word from our sponsor, Dolly Madison!
Okay, yes:
In their final exchange, Johnny cries about not being able to live up to his father. Lana insists he was a monster – and he can't live up to him because he has part of her in him, too. He relinquishes the gun and confesses to his mommy that he's done bad things. She tells him that it's okay – it's not his fault: "It's mine."
So that's that then, eh?
We then revisit the first meeting between plucky Lana Winters and Sister Jude, way back when Lana tried to gain an audience with the man that they thought was Bloody Face and they all had equal access to hair and makeup. Jude warned Lana that a life centered around ambition would be a lonely life indeed, and Lana seemed okay with that.
Jude's final advice: "When you stare evil in the face, it'll stare right back at you."
She smiles and sends Lana on her way, noting that she doesn't think they'll have the pleasure of one another's company again. Jude turns at admires the still-intact statue of the Blessed Virgin Mary as "Dominique" swells on the soundtrack.
Wow. That was … exhausting.
But also pretty damned good, I have to say, and a satisfying end to a season that seemed impossible to resolve. Sure, some of the plotlines were DOA (Dr. Arden's experiments), some of the characters were seriously underdeveloped and underused (Monsignor Howard, Shelley), but for the most part I feel very satisfied with the outcome of this particular Horror Story. I think that Jude – a woman whose own guilt and desperation turned her into a monster – paid dearly for her actions, and that she deserved the tiny sliver of happiness and rest that she enjoyed, thanks to Kit's unflagging charity. While Kit may have been one of the least interesting characters, he was in the end one of the purest and most dependable. Lana's nightmare journey would have broken pretty much anyone else, and it nearly broke her – it felt right to see her find her even ground after last week's WTF personality quick-change.
Which leaves us with poor Johnny. So is this story an argument in favor of abortion? Is it a parable about aliens being the true higher power? Is there meaning to be found in any of these fates?
I haven't decided yet. But the fact that I'm even still thinking about it tells me that the folks running this here Asylum did their jobs, and well.
I'm going to stop there, other than to give the finale a solid nine out of ten Nutses:
So what did you loonies think of the finale? The season as a whole? Lana's runway collection? Johnny's Long John?


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Your Investment Portfolio: Are You Protected in an Economic Crisis?
By Martin Brown
During this panic in the financial markets, one nightmare scenario that keeps waking investors out of a sound sleep is the thought their money will suddenly vanish if their brokerage house fails. Not long ago, you may recall, the Federal Reserve and the Treasury stepped in to save the investment house of Bears Sterns, which was forced into the arms of its competitor, J.P. Morgan Chase. But in September, when Lehman Brothers failed, the Fed took no such rescue action. Lehman was broken apart into various pieces and dissolved.
That leaves the average investor to wonder, "What would happen to my investment portfolio if my brokerage house was to fail?"
Enter a Federal program called the SIPC.
A lot of people are hearing about now for the first time, but it has been in business since 1970. Most of us have heard of the FDIC, the Federal Deposit Insurance Corporation. The SIPC—the Securities Investor Protection Corporation—guarantees the safety of your invested assets up to $500,000. And if you were invested with two brokerage houses, that protection would double.
Now, keep in mind that up until this financial crisis, in its 38-year history the SIPC has had to spend a tiny sum, $508 million, to recover customer's assets, as opposed to the trillions of dollars that has been invested by Americans in various brokerage houses. That does not mean serious concerns are not legitimate. It only illustrates the relative rarity of a brokerage house failure that involves fraudulent behavior.
Two important points that you should keep in mind:
1. The losses in your portfolio are not covered.
All that means is if you bought Google at $550 a share and today it's worth $325 a share, that's your loss. You made a bet the stock would go up and just like any bet you have to accept the outcome of the risk.
2. Brokers as a general rule, follow what you might think of as "the dry cleaner's code of ethics."
In other words they handle your money, but you won't find them wearing your favorite dress to a wedding reception. If the dry cleaner goes out of business, your garments should still be there. A broker handles your investment portfolio, they don't use it for their own purposes unless, of course, they have acted fraudulently.
This is why that, in the event your brokerage house does fail, your investments should be transferred into another house. It's not your money that has gone away, but your investment house. The stocks and bonds you purchased should remain at whatever there value was prior to your brokerage house closing.
As a general rule ,the protection of the SIPC only becomes a factor when fraud has been committed: for example, if the investment you thought you made in the XYZ Equity Fund only existed on paper and is not really there.
And this happens with the same frequency as if you were to go to a reception, only to see the fabulous dress you bought being worn by the drycleaner's daughter.
If you're wondering exactly what coverage is provided by the SIPC, you can get the full details by going to http://www.sipc.org/.
Don't forget that financial panics are driven more by myth and ignorance than hard facts. What we have all been seeing in the past few weeks is just that. It's time to arm yourself with knowledge. It won't necessarily turn your investments around overnight, but it will help you sleep much better.
More SMW Investment Articles
Market Jitters: How to Keep Calm in a Down Market
Investing in the Global Village
Investment No-Brainers: Make Money, Sleep Easy


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Album Playing for My Life
Label Universal Distribution
Released December 27, 2011
This site contains content from artists, fans, and writers from around the internet in it's natural form. Such content is not representative of Viacom Media Networks.
©2017 Viacom International Inc. All Rights Reserved. MTV and all related titles and logos are trademarks of Viacom International Inc.


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Join us Thursday, May 1st, at 4:00 PM in the Children's Activity Room for the next "Ology" program! We will be learning about Nurse-ology, the study of nurses. Come learn about being a nurse from an actual Registered Nurse! Learn all the ways nurses help us and make a cute craft!
Kingwood Teens – stop by the Teen Area Saturday, May 3rd anytime to pick up a FREE COMIC BOOK and participate in a special one day only Button Battle: Marvel vs.
Come join us for a lively discussion of "A Lesson In Murder", the third episode of Foyle's War, a popular mystery series set in England during World War II. We meet on Monday, April 28 at 2:30 PM in the library Conference Room. Be looking for us again on Monday, May 12 to discuss "Eagle Day", the fourth episode in the series. For more information, contact the library @ 281-360-6804 and ask for Adult Services.
Join us this Wednesday, April 30th, at 4:00 PM in the Children's Activity Room for a special program! In celebration of El día de los niños/El día de los libros (Children's Day/Book Day), Crossing Borders will be here to share some games and songs both in English and Spanish. Come join in on the fun and celebrate Diversity in Action (Día)!
Click here for more information about this program!
Kingwood Branch Library is continuing its partnership with Harris County Precinct 4's Senior Adult Program to offer Fun4Seniors Excursion Trips for library customers in May 2014.
Participating is simple. Participants must be 50 years and better and must register for trips by calling 281-893-3726. All trips depart from and return to Kingwood Branch Library located at 4400 Bens View Lane, Kingwood TX 77339. Transportation is free and lunch is on your own. Some destinations require an admission fee. Please note trips may be cancelled due to low registration so be sure to register immediately!
The following trips will depart from and return to Kingwood Branch Library:
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This season, bathe your skin in the blissful softness of this red coloured sweater from the house of Monte Carlo. Weaved with finest yarns, this wool blend sweater will be soft against your skin and will give an edge to your personality. With a macho edge to it, this regular-fit sweater can be layered over a classic tee and jeans combo.
- FabricBlended
- SleevesSleeveless
- NeckV Neck
- FitRegular
- Wash CareHand Wash 40 C. Wash using wool mark approved bleach.
- ColorRed
- Fabric DetailsWool Blend
- StyleSolid
- Model StatsThis model has height 6'2",Chest 39",Waist 33"and is Wearing Size 40.
- REVIEWSREVIEWS FOR Red Solid V Neck Sweater
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Date of Stay: July, 2015
We stayed two nights in a deluxe RV site (we needed a 65' big-rig site due to towing a car trailer). We were very impressed with the site we were in, as it had a large shade tree in our patio area and an artificial turf lawn (natural grass probably wouldn't grow underneath the large shade tree). From what I could see, only the deluxe sites had lawns in the patio area; the other sites had colored rock/gravel that looked clean and neat. We were very happy with the amenities and cleanliness of the park. The office building was very nice, with a sitting area downstairs and a game room in an upstairs loft. The game room has a pool table (that needed re-felting) and a couple of other games. The RV park shares a driveway with an auto museum that was well worth touring. Overall, we were quite happy with our stay here and wouldn't hesitate to stay again.
Date of Stay: June, 2013
Loved this campground! The grounds are beautiful, and it is on the shores of a fishing lake (we're not into fishing, but we enjoyed the scenery). The owner was very helpful and friendly. This park is generally a "stop-over" point when traveling, but we would definitely enjoy a stay of several days here. The road leading into the park was in need of repair, as it was very bumpy (only about a quarter of a mile or so, but it gets your attention). A definite must-see park if you are in need of a resting spot when travelling.
Date of Stay: June, 2013
We have stayed in several RV parks in New Mexico along interstate highways 10 and 40, and this is by far the nicest one we have found. It is family owned and operated, and they keep it in excellent shape. The free wi-fi worked fantastic, even at night when the park had filled up (our experience has been that wi-fi nearly stops working at night due to all of the usage by park customers). Some shade trees would be nice, but the weather was pleasant so we didn't need them. We would definitely recommend this RV stop to travelers.
Date of Stay: July, 2011
We loved this park! It was not crowded when we stayed, and the pull-through site that we had was easy in/easy out. Our site was among pine trees and was beautiful. The only facility we used was the laundry room. The owners are very friendly and keep the place in great shape. We have no problem in recommending this park if you are going to stay during a non-busy time.
Date of Stay: May, 2010
This park has long pull-through sites available that are of dirt/gravel composition. The park was very quiet on the two nights of our stay. I would gladly stay here again.


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Escort Trailer Brake Control
Husky's economical Escort Brake Control has a 6-brake capacity and an innovative vertical slide for manual braking. Its multi-color LED display changes color with braking power, to help you set the right braking power. Use appropriate Custom Wiring Harness for quick brake control installation.
- Mount the Escort Digital in any position vertically or horizontally
- 6-brake capacity, short-proof protected
- Activates upon depression of the tow vehicle brake pedal
- Limited Lifetime Warranty


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Full profile →'">
The author is a Forbes contributor. The opinions expressed are those of the writer.
The men and women who have served and are serving this nation today have faced a decade of armed conflict. On this Veterans Day week, let us honor that service.
Now, as we draw operations to a close in Iraq and as budgetary pressures on our military increase, more and more service members will be leaving the armed forces and trying to enter the civilian workforce. This influx of new talent represents a tremendous opportunity for business today.
Many of these transitioning veterans are already beginning their civilian job searches, and businesses should take notice. Veterans bring unique skill sets and an outstanding work ethic to any career.
They are motivated individuals accustomed to fulfilling objectives no matter the circumstances and are proven leaders ready to attack any challenge creatively and decisively.
That said, there exists a significant disconnect between employers and these talented veterans. Many veterans find it difficult to translate their military skills into the civilian equivalent jobs. The reverse is equally true.
Many employers don't understand that these young military trained men and women bring unique skills and attributes that add significant value to any organization. Many have considerable training and experience in IT, logistics, program management, finance, HR and food service, electronics, aviation and facilities management. Additionally, many who have served have built upon their leadership and management skills while in the service.
Companies should recognize that hiring veterans doesn't just help the economy; it helps their businesses thrive. By hiring more uniquely qualified employees, businesses will increase the quality of their output. And by recognizing the strength of veterans in areas like math, science, and technology, companies can continue to be globally viable and competitive.
In Monster's Veteran Talent Index, an innovative new semi-annual survey designed to provide a regular snapshot of the veteran hiring environment, we found that employers who hire veterans are incredibly satisfied with their experience, and in fact, 69% of employer respondents felt that veteran workers perform their jobs "much better" compared to non-veterans.
Companies must take the appropriate steps to leverage the employment opportunity at hand. There are significant tools for companies to find the best veteran talent. The Department of Defense, the Veterans Administration and the Department of Labor all have partnerships with a number of private corporations, encouraging and educating those interested in finding and hiring the appropriate veteran employees.
Military.com has a skills translator that will take military occupational specialties and match them with available jobs from companies interested in hiring veterans. The US Chamber of Commerce's Hiring Our Heroes program links up companies with jobs with Veterans looking for work. Surveys like our Veterans Talent Index provide analysis on the skills employers and veterans seek and posses, helping facilitate suitable and long-lasting matches.


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Approved landing page :) Uploaded a slightly incorrect shot, the attachment is correct with orange text instead of grey for "Crowdfunding Cafe".
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Polychlorinated biphenyls (PCBs) are metabolized in humans and other mammals to hydroxylated derivatives (OHPCBs) that are increasingly recognized as having significant roles in the retention of, and toxic responses to, these environmental contaminants. OHPCBs interact with cytosolic sulfotransferases (SULTs) as substrates and inhibitors, and the effects of these interactions on the toxicities of these molecules depend upon the structure of the OHPCB and the isoform(s) of SULT involved. The long term goal of Project 3 is to better understand relationships between the regulation of catalytic function of SULTs and the biological activities of OHPCBs derived from semi-volatile PCBs. The primary objectives of the work proposed for the next project period are to address gaps in our knowledge related to structure-activity relationships of OHPCBs with the family 2 (also known as hydroxysteroid or alcohol) SULTs, to elucidate how the oxidative environments of both family 1 and family 2 SULTs regulate their interactions with OHPCBs, and to understand the properties of the sulfuric acid esters of OHPCBs formed in SULT-catalyzed reactions. The central hypothesis for Project 3 is that OHPCBs serve as substrates and inhibitors of both family 1 and family 2 SULTs, and that the interactions of individual OHPCBs with these enzymes are significantly altered in a predictable manner by oxidation of thiols in these enzymes. Moreover, a corollary hypothesis is that the sulfated OHPCB-metabolites have toxicologically important chemical and biochemical properties.
The specific aims to be investigated during the next five-year period are: 1) to study the structure-activity relationships for OHPCBs as inhibitors and substrates of human hydroxysteroid sulfotransferase hSULT2A1;2) to explore the roles that the oxidation of thiols in SULTs play in regulation of their specificity for OHPCBs as inhibitors and substrates;and 3) to understand the properties of the sulfuric acid esters derived from sulfation of OHPCBs. This research will yield significant new fundamental insight into the interactions of OHPCBs with SULTs, and the potential consequences of these interactions for sulfation of endogenous molecules as well as xenobiotics.
|Liang, Yi; Meggo, Richard; Hu, Dingfei et al. (2014) Enhanced Polychlorinated Biphenyl Removal in a Switchgrass Rhizosphere by Bioaugmentation with Burkholderia xenovorans LB400. Ecol Eng 71:215-222
|Yang, Shupeng; Shi, Weimin; Hu, Dingfei et al. (2014) In vitro and in vivo metabolite profiling of valnemulin using ultraperformance liquid chromatography-quadrupole/time-of-flight hybrid mass spectrometry. J Agric Food Chem 62:9201-10
|Salman, Kadhim N; Stuart, Mary A; Schmidt, Jack et al. (2014) The effects of 3,3',4,4'-tetrabromobiphenyl on rats fed diets containing a constant level of copper and varying levels of molybdenum. Environ Sci Pollut Res Int 21:6400-9
|Tehrani, Rouzbeh; Lyv, Monica M; Van Aken, Benoit (2014) Transformation of hydroxylated derivatives of 2,5-dichlorobiphenyl and 2,4,6-trichlorobiphenyl by Burkholderia xenovorans LB400. Environ Sci Pollut Res Int 21:6346-53
|Vorrink, Sabine U; Severson, Paul L; Kulak, Mikhail V et al. (2014) Hypoxia perturbs aryl hydrocarbon receptor signaling and CYP1A1 expression induced by PCB 126 in human skin and liver-derived cell lines. Toxicol Appl Pharmacol 274:408-16
|Ekuase, Edugie J; Lehmler, Hans-Joachim; Robertson, Larry W et al. (2014) Binding interactions of hydroxylated polychlorinated biphenyls (OHPCBs) with human hydroxysteroid sulfotransferase hSULT2A1. Chem Biol Interact 212:56-64
|Wu, Xianai; Kammerer, Austin; Lehmler, Hans-Joachim (2014) Microsomal oxidation of 2,2',3,3',6,6'-hexachlorobiphenyl (PCB 136) results in species-dependent chiral signatures of the hydroxylated metabolites. Environ Sci Technol 48:2436-44
|Shen, Hua; Li, Miao; Wang, Bingxuan et al. (2014) Dietary antioxidants (selenium and N-acetylcysteine) modulate paraoxonase 1 (PON1) in PCB 126-exposed rats. Environ Sci Pollut Res Int 21:6384-99
|Hu, Xin; Adamcakova-Dodd, Andrea; Thorne, Peter S (2014) The fate of inhaled (14)C-labeled PCB11 and its metabolites in vivo. Environ Int 63:92-100
|Sueyoshi, Tatsuya; Li, Linhao; Wang, Hongbing et al. (2014) Flame retardant BDE-47 effectively activates nuclear receptor CAR in human primary hepatocytes. Toxicol Sci 137:292-302
Showing the most recent 10 out of 171 publications


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If you want your energy statement charges to be about the same amount each month, or want to budget for energy costs and stay within range all year, check out the Balanced Payment Plan. The plan evens your monthly payments to avoid big spikes on your energy statements, even when your energy usage changes from one season to another.
Following are Balanced Payment Plan details:
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Estimate your payments on the Balanced Payment Plan. Find out how. Visit Your Account.
"It's great for budgeting. We have been using the Balanced Payment Plan billing option for 10 years now and enjoy the consistency."
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Australian Unity has a long and proud history dating back to 1840.
Australian Unity as an entity was formed by the merger of the Australian Natives' Association Friendly Society (ANA) and the Manchester Unity Independent Order of Oddfellows (Manchester Unity) in Victoria in 1993. We expanded further in March 2005 through a merger with Grand United Friendly Society Limited, and in August 2009 with Lifeplan Australia Friendly Society. On the 1st March 2012, Big Sky Credit Union, with 34,000 customers, joined the Australian Unity group.
Manchester Unity
As its name suggests, Manchester Unity Independent Order of Oddfellows (MUIOOF) had its origins in Manchester, England. It was established in Melbourne in 1840 when Augustus Greeves, a member of the MUIOOF in England, migrated to Australia.
By the late nineteenth century, MU had an extensive network of lodges in metropolitan and country Victoria. A key feature of the governance of MU was the Annual Moveable Conference which met each year in a different centre and elected the organisation's directors for the coming year. MU merged with the ANA in 1993 to form Australian Unity.
The Australian Natives' Association (ANA) was established in Melbourne in 1871, as a membership organisation for people born in Australia at a time when most of the administrative jobs in the Australian colonies were exclusively held by the British born.
When it was formed it had two aims—to act as a friendly society offering financial support to its members in need, and to promote the moral, social and intellectual improvement of its members. It shunned traditional friendly society practices of ritual and regalia and set its sights on influencing public thinking and government policy on a range of issues related to Australian nationalism, including Federation and the establishment of Australia Day.
The ANA provided services such as sick pay and funeral benefits. It was also an important presence in many communities through its debates, concerts and other social activities.
Grand United
Grand United was established in England in the late 1700s, when groups of independent lodges became part of this larger organisation. The Order began in Australia during the mid 1800s.
During the First and Second World Wars, many Grand United members enlisted for Active Service, and as with many other friendly societies, funds were created to provide for the medical benefits of serving members and their families.
Grand United merged with Australian Unity in 2005.
Lifeplan Funds Management is a South Australian friendly society made up of an amalgamation of many other friendly societies including Manchester Unity IOOF, Mutual Community, Australian Natives' Association, Druids, Foresters, Rechabites – District 81, Hibernians, Protestant Alliance, Free Gardeners, Investment Action, Stateguard, Norwich Union Friendly Society and Savings and Loans Friendly Society. Lifeplan's earliest antecedent company was Manchester Unity, established in South Australia in 1840.
From humble, yet important beginnings, Lifeplan has grown steadily to be a leading Australian specialist fund manager and provider of investment products, with total assets and funds under management in excess of $1.57 billion at 30 September 2009.
In August 2009, Lifeplan merged with Australian Unity to create an even stronger mutual organisation.
Big Sky
Big Sky began life back in 1971 as two individual employee credit unions – BP Credit Union and BHP Employee's Credit Co-operative (BHPECC). It was initially based in the mining communities of Western Australia – Hedland, Mount Newman, and Kwinana before expanding to Queensland and South Australia. In 1995 BHPECC added Lysaght Credit Union to its business and in 2002 the business adopted the name Big Sky Credit Union. Further mergers followed - with BP Credit Union (2003), RACV Credit Union (2005), GMH Credit Union (2009) and Westwide Financial Services (2010).
In March 2012 Australian Unity joined with Big Sky Credit Union to form Big Sky Building Society.


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