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Monday's article in the Wall Street Journal highlights the pros and cons of tactical funds at Ivy, PIMCO, and Vanguard.
- Tactical funds are great for investors who understand the limits of the approach.
- It's important to note that investors have to do a lot of homework, so one might be tempted to just use ETFs.
- Target-date funds offer a cautionary tale for tactical funds: Both are prone to unrealistic expectations and suitability issues.
- Vanguard's exit confirms my opinion that tactical funds are like drugs: powerful when used correctly, but hard to control and dangerous when used off-label.
Ivy vs. PIMCO
There is a variety of opinions as to what constitutes a tactical fund, but they typically have a flexible, "go-anywhere" mandate to invest in the major asset classes across the globe. Tactical funds offer insights about capital markets, and the tilts in a fund are a valuable signal about how to execute a bullish or bearish stance. And who doesn't enjoy reading commentaries from PIMCO?
In any case, Monday's WSJ article by Karen Damato focused on two of the largest tactical funds with the best 5-year track records: Ivy Asset Strategy C (WASCX) and Pimco All Asset Inst'l (PAAIX). Both funds have returned between 5% and 6% over the last five years, though Ivy has an expense ratio of 1.74% versus 0.88% at Pimco. More importantly, Ivy has a risk profile that is both concentrated (13% in gold as of 9/30/11), and bullish (82% in global stocks), while Pimco is more defensive (bonds, TIPs, real estate, and commodities) and diversified (its largest holding last September was a 9% position in a bond fund). PAAIX owns a variety of PIMCO mutual funds, so there is some layering of fees that makes costs difficult to calculate. Personally, I'm not a fan of this approach, but PAAIX gets 5 stars from Morningstar.
The bottom line: Ivy and PIMCO both have solid track records despite radically different approaches. This can be confusing.
Apples and Oranges
Ivy and PIMCO not only take different roads to diversification, these funds have taken very different bets about the future. This type of variation makes it impossible to generalize about tactical funds. Therefore, Damato advises investors to ask a lot of questions, and take an active role in the evaluation of any tactical fund they consider. Tactical funds are best left to investors and advisors who understand their complexity, and I believe should be used as a satellite holding in retirement portfolios. Otherwise, an investor could be stuck with an asset allocation that is unsuitable for their goals, or completely out of whack when they need liquidity. For these reasons, tactical funds require special oversight.
Who Is NOT Suitable for Tactical Funds?
All of this oversight creates a lot of homework, and it is not always suitable for average investors. In fact, after reading the article, I identified two categories of investors who are not suitable for tactical funds:
1. Unsophisticated individual investors. These investors are unsuitable because they lack the expertise to evaluate tactical funds.
2. Sophisticated AND self-directed investors. These investors are unsuitable because since a self-directed investor could make their own asset allocation decisions using ETFs.
You could argue about the second category self-directed investors, since they might want to delegate asset allocation, just as some investors delegate stock selection. But evaluating tactical funds requires a quantum leap in sophistication. Moreover, there are well-established tools and benchmarks available to the average investor to evaluate a standard mutual fund. These same tools do not exist for tactical funds. What is the benchmark? What is the goal? Absolute returns or relative returns? What is the process by which to evaluate the fund manager? There are no answers yet to these questions, making this dangerous territory for the average investor.
I believe that these challenges make it incredibly challenging for self-directed investors to evaluate tactical funds. In addition, a self-directed investor would need their own view of asset allocation in order to disagree with the fund manager's asset allocation. And if a self-directed investor has their own view of asset allocation, why wouldn't they just execute their strategy themselves with ETFs and low-cost funds? This would be simpler, cheaper, more transparent, and more tax efficient. (In fact, I believe that ETFs will continue to revolutionize the wealth management industry, as I wrote on Seeking Alpha back in 2009.) All told, this seems like a lot of homework for a mutual fund.
Who Are Suitable Investors for Tactical Funds?
1. Sophisticated individual investors who are not self-directed
2. Investment advisors
A sophisticated individual investor may not be self-directed, and may wish to delegate asset allocation to a third-party portfolio manager (either a mutual fund or an investment advisor). A sophisticated investor may also want to bet on a given fund manager, simply because they like the manager's thinking. This investor could buy a tactical fund for either purpose, though I wouldn't recommend a tactical fund as a person's core retirement vehicle.
Alternatively, tactical funds also make sense for an investment advisor with a wide range of clients. Advisors are also more likely to have fund screening and monitoring tools, and they are likely to be familiar with bullish and bearish scenarios (and how to execute them). For advisors, tactical funds are another tool in the toolbox.
The Role of an Advisor
As a registered investment advisor, I have to admit that I'm prone to see the benefits of professional advice: I believe that customization and direct interaction with clients are valuable services. Don't get me wrong: I have no bone to pick with self-directed investors or DIY investing. But I do not think that individuals should delegate their core asset allocation decision to a mutual fund. Tactical funds tempt investors to do this, and they tempt investors to put primary emphasis on tactical allocation, and secondary emphasis on strategic allocation. By definition, a mutual fund does not customize, and it lacks interaction with the client to determine suitability. Granted, a mutual fund firm may offer screening when a fund is bought. But I am not aware of any process that evaluates the suitability of a mutual fund after purchase. Thus, the fund cannot monitor the goals of an investor, the outlook for capital markets, or the evolving state of financial product solutions.
The Misuse of Tactical Funds
As noted in the previous paragraph, I believe tactical funds tempt investors to neglect strategic asset allocation. Tactical funds are also prone to misuse for other reasons, beginning with investor expectations. Target-date funds offer a cautionary tale about unrealistic expectations.
When target-date funds (or life-cycle funds) were introduced to investors, the marketing materials emphasized how diversification could reduce risk. Target-date funds offered low-cost diversification based on Modern Portfolio Theory, and this was an improvement for many retirement portfolios.
Then came the bear market of 2008-2009, and investors were bitterly disappointed with performance. The funds did not say that they eliminated risk, they just said that they reduced risk. The problem was not one of execution, but of perception: Investor expectations were unreasonable.
Likewise, tactical funds today are marketed in ways that may lead to great expectations. If anything, tactical funds are even more prone to unreasonable expectations, since they give portfolio managers even more freedom to operate.
In addition, because tactical funds are so complex, they are also likely to ensnare investors who are unsuitable. The issue of suitability is always tricky, since mutual funds aggregate the risk tolerance and time horizons of thousands of investors. But when it comes to tactical funds, the potential for error is much greater, since the manager has much greater freedom than in traditional mutual fund categories. Investors may want such exotic fare when the manager is doing well, but the suitability of investors will truly be tested when a large tactical fund has a sustained period of terrible performance. This could occur due to either market conditions or manager decisions, but weak performance will spur investors to reconsider risk (see end notes for a discussion about how risk tolerance evolves).
Why Did Vanguard Abandon Tactical Funds?
The Wall Street Journal reported in Monday's article that Vanguard is exiting tactical funds not just because of disappointing returns, but because of doubts about the strategy itself:
Francis Kinniry, a principal in Vanguard's investment-strategy group, says that when fund managers have very wide discretion on how to invest, "all you are doing there is increasing the distribution" of results—from big gains at the funds whose managers make astute shifts to big losses at those who blow it. That potential for wide variations relative to a benchmark is, "to us, much more risk for the average investor," he says.
In other words, Vanguard does not believe that tactical funds are in the best interests of the average client. Vanguard has historically been strongly committed to low costs and diversification, and tactical funds put less emphasis on these, and less emphasis on strategic asset allocation. Thus, tactical funds may encourage investors to take excessive risks in the quest for alpha, and to neglect the fundamentals of portfolio management.
I am speculating, but I believe Vanguard is also abandoning tactical funds because the product is not consistent with its core values. Vanguard realizes that tactical funds are like drugs: They are great when you use them according to the instructions, but they can be terrible when you go off-label. The average investor cannot tell when their use of a tactical fund is "off-label," and they may be tempted to sue the mutual fund company if their expectations are not met. Thus, I believe that concerns about both suitability and investor expectations contributed to Vanguard's decision.
Conclusion: Is Risk Tolerance Static?
Both target-date funds and tactical funds assume a certain risk level for their aggregate investor base. Target-date funds reduce risk over an investor's lifetime by adding bonds, providing a "glide path" to retirement. (Unfortunately, it's easier to see a crash landing instead of a glide path, given today's low yields, rising inflation, and looming sovereign risk. But a higher allocation to bonds is inevitable for most target-date funds.)
As for tactical funds, there is a more subtle risk at work. Most investment models assume that risk tolerance is a static variable. In reality, an investor's risk tolerance varies not only with age (becoming more conservative), but also with market volatility. As markets become more volatile, investors become more conservative. This presents a tricky proposition for tactical funds: When markets decline, investors want less risk, even though this might be the best time to buy.
My thanks to Armin Holzer for these insights.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.
Additional disclosure: All written content is for information purposes only. Opinions expressed herein are solely those of Right Blend Investing and our editorial staff. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. The presence of this article shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of New Jersey or where otherwise legally permitted. This is not a complete discussion of the information needed to make a decision to open an account with Right Blend Investing, LLC. There are always risks in making investments, including the investment strategies described.


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Alistair Overeem talks to Fighters Only about his win Over Fabricio Werdum in the Strikeforce GP. Alistair also says that fabricio Werdum should be ashamed of his performance. watch video >>
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At the Strikeforce Heavyweight GP in Dallas, TC Inside MMA correspondent Ron Kruck caught up with Alistair Overeem and Antonio Silva. The Reem spoke about his victory over Fabricio Werdum and the cha watch video >>

subset: commoncrawl


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Report: Spencer Pratt Arrested in Costa Rica
Could Spencer Pratt be headed to the slammer?
The former MTV reality star was arrested in Costa Rica Saturday for illegal possession of a firearm on his way back to the U.S., according to TMZ.com. The site reports Pratt, 27, was booked at a local jail and then released.
"Costa Rican jail smells like children's tears. And soup. Delicious soup," Pratt Twittered after the news broke Saturday afternoon. "If I knew the gov't was Team Jacob, I would've kept my mouth shut."
The reality star, who spent time in the Central American country with his ex, Heidi Montag, in 2009 as part of NBC's "I'm a Celebrity ... Get Me Out of Here," offered a bizarre statement to TMZ with additional details surrounding his arrest.
"As part of my spiritual cleansing I've spent the last week living alone in the jungle, reflecting on my past transgressions, and working to become a better person. I had to live off the land, and hunt to survive," Pratt is quoted as saying.
"As I departed the country this morning to continue my spiritual journey, I mistakenly brought my hunting weapons to the airport. It was an honest mistake, and they sent me on my way," he adds. "On an unrelated note, I'm not allowed in the country anymore -- but that's because of the chicken incident."
Pratt's arrest comes on the heels of a public apology made to wife Montag, who recently filed for divorce after a year of marriage.
In an email to the Associated Press, Pratt says his behavior in the wake of their alleged breakup -- including his threat to release a sex tape -- was "outrageous and infantile."
More on Wonderwall:
What's Spencer's spirit animal?
Unsolicited advice for the "Hills" cast
Speidi's second wedding scrapbook
More from UsWeekly:
VIDEO: The week's top celeb headlines
VIDEO: Is the Speidi split just for show?


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Product Code: 7790
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Product Details
This collection has been dedicated to Alice for her achievements in and out of the pool. Alice is a kind, gentle and passionate person; and as a founding ambassador of Zealous Swimwear, she has played a integral role in our success as a brand. For that we would like to take this time to thank her.
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Below the content (mobile page), you will find a link to a PC Page where you will find a blue UPDATE button and a Update This Information text link.
Use one of the two links and go to the UPDATE page and follow the instructions
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Amphoe Sawi, Chumphon
The Tham Thip Prida are caves carved into a limestone mountain, fronted by a flowing stream. The mountain has about 40 beautiful caves, some of which contain fresh-water pools.
These caves are in Mu 2 of Tambon Khao Khai, about 70 kilometers from Chumphon town and can be reached by taking the Chumphon-Sawi Route up to the Khao Beep intersection in Thung Tako District. Continue along Khao Beep- Khao Thalu Route for about 16 kilometers, turn left into a brick road and travel for 4 kilometers more until you arrive at the Huai Kaew intersection. Then, turn left into a village road and travel for 6 kilometers more to reach Tham Thip Prida.


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Escalating Doses of Torisel in Combination With Three Chemotherapies Regimens: R-CHOP, R-FC or R-DHA for Patients With Relapsed/Refractory Mantle Cell Lymphoma (MCL). (T³)
This study is ongoing, but not recruiting participants.
The Lymphoma Academic Research Organisation
French Innovative Leukemia Organisation
Information provided by (Responsible Party):
The Lymphoma Academic Research Organisation
ClinicalTrials.gov Identifier:
First received: July 4, 2011
Last updated: April 13, 2016
Last verified: April 2016
- Full Text View
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- Disclaimer
- How to Read a Study Record
No Study Results Posted on ClinicalTrials.gov for this Study
|Study Status:
|This study is ongoing, but not recruiting participants.
|Estimated Study Completion Date:
|October 2016
|Primary Completion Date:
|May 2015 (Final data collection date for primary outcome measure)


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Darn... I knew I should have mentioned that one first ;) How about a "Go
ask Alice" or "white rabbit"
Is anyone going to name one "Survivor"? Kate
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Item# 48-20266
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Sayulita, Nayarit
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Dear everyone who asks me why I am not currently developing games, or why I am currently in-active you need to understand I have been on Roblox for 10 years now, my life has changed a lot during that time. I am now a father, I have a beautiful little baby girl, my daughter and my work take up almost all my time. Previously known as SimpleSanta,DrunkAustralian and BundabergRum. "If you think a game sucks, don't say it sucks. Say why it sucks" - SirGelatina Read More
Promotion requirements: Trooper: 1200 ELO Veteran Trooper: 1400 Elo Commando: 1700 Elo Sith/Jedi: 2250 Elo If you would like a promotion in the group and in-game, take a screenshot and send it to Ptochocracy Please "Thumbs up" the game if you haven't already done so. Game: http://www.roblox.com/games/21113/
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This game is %100 free, all classes are now free!. You need a GOOD internet connection to play this. Alpha testing: This is alpha so there will be a lot of bugs! READ BEFORE PLAYING: To win the game, you need to capture and hold the control points, make that your main goal! Join the fan group here: http://www.roblox.com/My/Groups.aspx?gid=2646572 Joining the group shows your rank in-game. To get promoted your ELO needs to reach a certain amount. Once you reach the requirements, send a screenshot to a general+ in the group. Please thumbs up the game as it will help me a lot on release! This is still very early release, probably a lot of bugs, and a lot of features to come still!. Your ELO increases for winnings rounds, so focus on objectives! Controls: Tab = view leaderboard ALT = Change class E = Play character sound Cantina made by Chalmun
INSTEAD OF THUMBS DOWN, please PM me your concerns with the game! I would love to make it better with your feedback This is a strategy game! read the tutorial or you will be lost. Buy Super Vip here: http://www.roblox.com/Super-Vip-item?id=185848751 Buy the steampunk Race in-game or here http://www.roblox.com/Steampunk-item?id=184797896 Basics guide: http://www.roblox.com/Forum/ShowPost.aspx?PostID=148633256 Join the Kingdoms Fangroup for news on updates.: http://www.roblox.com/groups/group.aspx?gid=1196767 Want to make a map for this game? go to this place, open it in studio and play it, once you are done group the model, make the model public and send me a link. http://www.roblox.com/Kingdoms-Map-Editor-place?id=184134252 Have a suggestion? post it here: http://www.roblox.com/Forum/ShowPost.aspx?PostID=147669017 Credit to SirGelatina,check out his games.
Dodge the balls to pass the round! Highscore: Round 17
Delayed this game due to my starwars game.


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Pro Bono Declaration Finalised
Friday, June 15, 2007
- Organization: Latin Lawyer Online
Latin Lawyer Online
Release: June 12, 2007
Pro bono declaration finalised
The final draft of the 'Pro Bono Declaration for the Americas', a regional initiative to support and promote the practice of pro bono, has now been completed.
After a lengthy process of almost two years and across seven countries, the final document is designed to cover the particular challenges faced by pro bono practitioners in each country in the region. It has been posted online today.
"I and the whole drafting committee feel very pleased that the first part is now completed," says Horacio Bernardes, part of the drafting committee and partner of Xavier, Bernardes, Bragança, Sociedade de Advogados. "Now comes the time-consuming stage - gathering signatures and promoting the declaration. Nonetheless we are very confident it will be well received by legal professionals across the region."
The declaration is designed to be "both a statement of principle and a plan of action for expanding the commitment of lawyers to provide legal services to the poor and underprivileged in the Americas". In particular, the declaration asks signatories to commit to a minimum numbers of pro bono hours a year.
"We are very pleased, after a two year effort, to have a definitive version of the Declaration," agrees Todd Crider, chair of the Cyrus Vance Center of the New York City Bar, which is coordinating the initiative, and partner at Simpson Thacher & Bartlett LLP. "Now, it is our hope that it will find support across the hemisphere to become an expression of the will and commitment of our profession in the Americas."
The first draft was vetted in conferences and consultations in seven countries. Members of the drafting committee fed back comments and concerns from these meetings, and the final version has some key differences.
The new declaration asks lawyers to commit to 20 hours (or three days) of pro bono work a year, down from 25 hours in the first draft. It also gives signatories three years to reach this target from the date of signing.
"The new figures are more feasible," says Crider. "Asking people to sign up to a declaration which is not achievable creates a culture of failure from the very start. The project needs to be something firms are able to undertake with the expectation and goal of achieving their commitments."
The concept of 'access to justice' has also been widened, to accommodate the needs of larger law firms. Paula Samper of Gómez Pinzón Abogados, the Colombian member of the drafting committee, explains. "The concept of 'access to justice' was sometimes seen as restricted to just court representation," she says. "It was felt the concept should also extend to legal advice and public interest issues."
Bernardes also notes that the new draft also meets the particular challenges faced by pro bono practitioners in Brazil. "The amendments meet both the needs of public attorneys and the position of the bar association," he says. "We are confident the bar association representatives see the declaration as necessary and useful."
Now that the final draft has been reached, the process of gaining signatories can go into full swing. Each committee member is in the process of putting together a steering committee in their own country to assist in this process.
The 'Pro Bono Declaration for the Americas' initiative is coordinated by the Cyrus Vance Center of the New York City Bar. It promotes the concept of a lawyer's social responsibility to help the poor and marginalised and invites legal professions throughout the Americas to promote pro bono work as a way for lawyers to meet their social responsibility. For more information, see here: http://www.abcny.org/VanceCenter/Projects/PBDA.htm.
For a full examination of the final draft of the declaration and of the practice of pro bono in Latin America, see the next edition of the magazine, in which we focus on pro bono work.
To view article on Latin Lawyer Online:


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Special Needs
If your cat has itchy or flaky skin, fur balls, bad breath, or suffers from rapid weight gain or inactivity, it could be directly related to a nutritional imbalance. The most common nutritional imbalance amongst cats is obesity due to the common practice of leaving food in the bowl for cats to eat any time. Regulate your cat's eating in the same way you would your own, with regular meal times. In addition to their food needs, it's also important for cats to receive proper dental care. Whether you are brushing your cat's teeth yourself or giving it special food for dental cleaning, this aspect of your cat's health is just as important as diet.


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Drivetime Monday 25 February 2013
Mary Wilson presents an information packed evening news magazine with all the stories of the day
Drivetime's Fergal Keane outlines what is known about the agreement
Dr Tim Hastings Industrial relations consultant and Dr. Michael Doherty law lecturer at DCU, specialising in employment law and industrial relations.
The INMO left the talks before a deal was struck. Their Deputy General Secretary Dave Hughes spoke to Drivetime.
SIPTU General President Jack O'Connor says the proposals for a new public sector pay deal are the best that could have been achieved by negotiation.
Olivia O'Leary asks will he stay or will he go?
Presenter: Mary Wilson


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Organic vs. Simply Green
What's the Difference?
Mattresses can be Eco-Friendly too! Many of our mattresses have an Eco-Friendly message to them, and there are even organic options in our Sleep Labs. We label our online product with the icons below for easy recognition.
In order to help our customers differentiate Earth-friendly Sleep Lab products from other merchandise, we affix our own green leaf icons to them. There are two different Sleep Lab product icons you'll see on this Web site:
applied to Earth-friendly products.
products that are truly organic.
Certified organic materials have no synthetic fertilizers, pesticides, or hormones involved in the "raising of the product" from raw form to production ready. No harsh chemicals may be used in processing of those materials either—that means the cleaners or dyes that are used must also be certified organic.
Organic is different than natural. Unlike certified organic products, natural products are permitted to employ pesticides, synthetic fertilizers, and/or hormones during the growing and raising of raw materials.
Certified organic materials utilized in our selection are:
- Cotton
- Wool
- Latex
Many of the products featured at Jordan's Furniture are considered green. These products use components designed to minimize the impact on our environment. Jordan's Sleep Lab refers to these products as Simply Green. Simply Green may mean using less petro chemicals, or making use of recycled materials, or using natural components in the finished product. All good considerations for the environment.
If you are looking to support products that fit ecology into their manufacturing, look for the Simply Green leaf symbol outlined above.
Visit a Sleep Lab location near you, and ask one of our Sleep Lab technicians to explain more about our organic and simply green options.
Also, be sure to explore all of our natural and/or organic accessories, too.


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36 Reviews
The green is the giveaway.
Look at photos of most races, and you'll see a sea of all-black tires. Look at Roubaix, Flanders, or any of the other cobbled classics, and you'll see a lot more earth tones popping up. There are a few tire manufacturers capable of producing tires for one of the most difficult sporting events on the planet, and Vittoria is one of them. The Open Pave EVO CG III is the latest in a long line of ultra-supple tires designed to take the edge off the cobblestones.
- The clincher version of the ultimate classics tire
- 320 TPI cotton may be the most supple casing in cycling
- Compound and tread pattern conspire for maximum traction
- Vittoria produces the most sought-after classics tires this side of homemade tubulars
- Item #VIT0088
Tech Specs
Tech Specs
- Reviews
What do you think about this product?
Have questions about this product?
Classic Late Fall and Winter tire
- Familiarity: I've put it through the wringer
This is a great tire for late Fall and Winter. Enough volume and TPI so it feels supple and responsive. Resistant to puncture, but it will flat (this IS a performance tire, after all). Wears well, similar to other CX models. If you want a bullet proof tire that won't flat easily, move on; if you want a tire that feels like something, even in gross conditions, this is your tire.
My tire for Spring and Fall
- Familiarity: I've put it through the wringer
This tire has worked out great for me the past few seasons. I use it primarily during early season and late season rides. The ride quality is amazing, and they are durable enough to keep me from changing out flat tubes. Get a pair, you won't regret it!
Yes, these are by the best I have ridden
- Familiarity: I've put it through the wringer
Having tried a variety of tires over the last ten years, from Vittoria (Rubino), Conti, Michelin, Specialized, and I am sure I am missing one, these are by far my favorite. I stepped up to the wider version about four or five years ago realizing the 23s were just to harsh, especially with carbon fiber wheels. I was able to run a reduced pressure which, as all the articles will tell you, improves traction especially when wet. Yes, they do not last as long as some harder tires but with the riding I do it is worth it. They last a season at best but I have not experienced any flats in the last two seasons of riding on these. Roads are fairly clean where I am at so that helps. For the record, my second favorite is the Michelin Pro4 Service Course but unless I have major issues with Vittoria I am not going back. I do not race but participate in some very aggressive group rides one to two times per week aside from solo riding. I ride five to seven days per week, wracking up about 5,000 miles (outside) per year - the rear is definitely ready to be replaced. Turbo trainer work is done on a different bike with last years tires - makes sure I get the most use out of them. Just ordered the Vittoria with Graphene for next season and look forward to riding on them once spring hits.
- Familiarity: I've put it through the wringer
1. Aesthetics: The green ones look OG PRO on a set of H Plus Son TB14 box section rims. Get the black if you're not all about that pave #classicsclash.
2. Ride Feel: OMG ACTUAL BEST. Like even the 25s (and they're small 25s) feel so damn good. Supple is the word. Very Supple. As in "I can't believe I'm riding an alu road bike on this ridiculously rough road with 25c clinchers" supple. Makes you at least question why gravel bikes exist.
3. Traction: Compared to Pro4 (SC or endurance) or GP 4 Seasons, or most other "training" tires, these are the best. You can drop your friends on descents laughing while yelling "CRITLYFE" all winter long. Usually feels like the grip has no limit, unless they're worn out, then it can be bad. Ask me how I know.
4. Flat protection. I destroyed a sidewall on my 3rd ride, on a sketchy gravel descent. Gatorskin miiiight have survived. Whatever. Otherwise that tire's replacement only had 1-2 flats and minimal visible cuts in its lifespan.
5. Durability: The start that shines the brightest burns half as long, or whatever. They made it maybe 1500 miles. They're not gators. However, see #6.
6. Price: Wait, really? $29.99?? My team is about to buy ALL OF THEM. They may be discontinued or something. Worth buying in bulk.
Seriously. Go buy them while they're still available.
Great tires for those bumpy rides!
- Familiarity: I've put it through the wringer
I enjoy the the best tires for racing but also for riding with our club, so I value a tire I can use for both long rides and races. Roads in my town aren't the best and I have been using 25mm for quite a long time now and I found the tires I ended up buying the most are the GP4000's, Vittoria Open Corsa Evo's, and the Open Pave's. I loved the GP4000's but unfortunately they bloom to a width that is a little too wide for my Giant Propel and rocks and grit scratch the cutout on the seat tube. The Corsa's were great but ultimately I chose the Pave's because they're a little more durable and there are better deals on them. They corner great, soak up the road vibrations, and most importantly they fit very well if you want to run 25mm tires but have little tire clearance.
Ditto everything Benjamin S. said!
- Familiarity: I've put it through the wringer
Ditto everything Benjamin said! I have used these tires year around for years. I run the 27's (Sometimes I'll put the 24/25mm up front) at around 80psi on wide profile wheels (Flo 45's), and get my yearly milage out of them (up to 6000 mi), then stick them on my other wheels for use on my rollers for the winter. I never see anyone else using these (other than friends that were turned on to them), and it's a shame because there is a HUGH difference between the ride quality of these supple, high TPI tires and GatorSkins...and run them at the right psi, there is no increase in flats (YMMV)! If you're not pleased with the ride quality of your bike, tryout a pair of these and you'll be very pleased...25mm or 27mm, both are good but the 27's have a bit better ride.
BY THE WAY...I looked at some reviews that said these tires cut easily. I will say that I do get some surface "cuts" if you want to call them that, but they have never caused any problems for me...just the price you pay for a softer tire and a great ride.
Very smooth ride!
Heard these tires offered a smooth ride and truth be told they are. Jury still out on the wear as I haven't had them long enough.
Why aren't you buying these?
- Familiarity: I've put it through the wringer
You don't have a good reason not to grab two and give them a try.
Every schmo that has issues with flats runs the same setup. Low TPI, inflexible tires (but they're thick and have Kevlar in them!), with thick butyl tubes, and PSI's above 110. Join the revolution. Get a flexible, comfortable, supple tire and pair it with latex tubes. Pump them to 90psi or so. I promise you'll have a better bike to road interface with less reliability issues.
This tire specifically is just another great high TPI Italian tire that makes cycling more fun. Except it costs half of what it's brothers and sisters from the same company cost. And it has slightly better traction in wet conditions. And the red label on black sidewall looks boss. And did I mention it's cheap?
It's winter, get the 27's. Put some of Vittoria's universally loved pink latex wonder-tubes inside these skins and enjoy awesomeness.
Great Tire!
- Familiarity: I've put it through the wringer
I have had these tires on for about 650 miles and have never had a flat. I live in Florida so during the summer we get wet conditions, this tire had no problem with handling in the rain and never once slipped out. I noticed the back tire started to wear around mile 600, but that can be due to city riding traffic with frequent skids.
Fantastic Tire!
- Familiarity: I've put it through the wringer
I put a pair of the 27mm in my Giant Defy 5. They're amazing! They have great traction, even in the wet, outrageously low rolling resistance, and are extremely resistant to punctures. I have not had a single flat, even riding through the glass & hole-littered roads of Boston. They are also extremely compliant, and make it a pleasure to ride on bumpy roads (well... by road bike standards).
I've only had them for about 700km, and the rear tire already shows very small cuts and a bit of wear. The front tire looks better. These are not exactly high-mileage tires, but given their performance - that's about what I expect. Also, the green strip is a real attention catcher. Everyone looks at you, as if though you were Queen Elizabeth riding a unicycle.
It seems Vittoria doesn't plan on making them anymore, so get these while you can!
Great tire
- Familiarity: I've put it through the wringer
Only bought one 25mm for my rear wheel and it lasted me almost all summer. Over 3000km when I hit a sharp hazzard that slashed the tire open.
Very supple and comfortable smooth ride.
Finestre last 9 K gravel without a flat!
This is the only tire I use. 25's. Just rode 400+ miles/over 40K gain in Italy. No flats! And the last day was a climb up Finestre, the last 9 K gravel. I forgot to let a bit of air out, but no problem. No flats, my bike handled well with these things on my enve 3.4's.
terrific packed dirt/gravel road tire
- Familiarity: I've put it through the wringer
picked up a set of these in the 27mm width in the early spring to use on my X bike during the summer months to ride on paved road, dirt, and occasional gravel. ran pressure from 75-85 psi and got excellent road feel, grip, and traction when needed. only 1 flat from a goathead last week. now that X season is almost here I'll take them off and use them again for the same purpose next year.
Corsa pavès for wet cobble racing
- Familiarity: I've put it through the wringer
Or wet commutes in Seattle area they are a very consistent ride all year I run them 90-95psi to last longer and used the 24mm's for Seattle-to-Portland at 105-110psi a 206-miler this year in 16-hours.
The rain section has a diamond pattern when new and it does work so I switch front-rear and wear them out betweem 3.5k-5k miles a pair, almost a year.
Good Tire
Good over all feel and road grip, but they do wear out quickly
love 'em
- Familiarity: I've used it once or twice and have initial impressions
finally made switch from 23 to 25. very happy - feels like riding tubeless - smooth ride w/o giving up speed. also no problem w/ fit with brake clearance. have run them at 100psi, 115psi, and soon i will try 125-130psi. great quality tire - not sure about durability and if fewer flats, but so far so good. highly recommend.
just curious why you are running them at increasingly higher pressure which hampers the ride quality?
Ok but wear and cut easy after 1000 mile
- Familiarity: I've put it through the wringer
So these tires were great for about 1000-1200m, after which point they are pretty much done. Great for the first 1000m, tho. Excellent for rain and crappy roads with potholes, grit and whatnot from the winter. Just not worth the $ IMHO in comparison to Conti GP4000s which I easily get 5000+ miles in and similar performance.
27mm so much better than 25mm
- Familiarity: I've used it several times
These tires fits narrower than my previous Conti Gran Prix 4000S II. The 25mm were not even 24.5 on same fairly wide rims (26mm external). Not to mention that the 25mm are soo tight to install. So tight that I sold them on eBay. Then i bought the 27mm on sale and I love them. They measure 26.5 on a 26mm rim. The ride like a dream and are a breeze to install. I have read they will be discontinued so I am stacking up before shops run out...
Awesome Tyre
- Familiarity: I've used it several times
This tyre is superb. The rolling friction is really nice and feels really clean and in tact with the roadway. I've gone through grass, gravel, and even a busted beer bottle with no problems. I am really enjoying this tyre and will be using it to ride 300 + miles to the beach later this month. I'm not anticipating any issues as I have done several training rides with none. I will update after my trip. Overall great tyre.
Fantastic Tire for everything
My weapon of choice for rough rock-chipped roads, gravel grinding, and epic rides.
Reliability on the road is exceptional, durability is a cut above any other high TPI tire I've been on. A lot of bang for your buck here for the amount of miles it takes to wear these puppies down.
Surprisingly supple feel for an ultra comfortable ride, but sturdy and quick enough for a road race or a few practice crits here and there.
Great all around, any condition tire!
Are these tires tubeless ready?
No they are not.
Definitely not. But on a positive note they feel more supple than tubeless road, even with a standard tube.
These tires look like the ticket. Does anyone know how wide the 700x25c is when mounted on a 700 x 17c rim? I've got some tight clearance with front mech. Thanks!
what size tubes for 27C ?
I just use the usual 23C tubes.


text: No recent wiki edits to this page. Hellboy: Asylum Seeker is about the comic book hero Hellboy and his partner Sarah as they are sent to Czechoslovakia to find a missing colleague. An error in the mission sends them to an insane asylum where one of the inmates is attempting to open a door to allow the forces of darkness into our world.


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PROS / As a broker, LendingTree connects you with multiple choices in lenders and loan offers.
CONS / After you find a lender, you no longer work with LendingTree, so it cannot explain the entire underwriting process as it varies from lender to lender.
VERDICT / LendingTree connects you with lenders from its network so that you can compare and choose the best loan rates, fees and terms that fit your specific financial situation.
When choosing a lender for your mortgage or refinance loans, you want to find the lowest rates and fees along with a term that works with your borrowing goals. You can take the time to shop around, but LendingTree is a broker, so it takes the time for you to find the best loan options. When you apply for a loan with LendingTree, it collects from its network of lenders to provide competitive loan offers from top lenders in the country. Because LendingTree does the legwork for you and provides a range of quotes, we award LendingTree our Top Ten Reviews Gold Award for mortgage and refinancing companies.
Rates & Fees
While a direct lender offers you the best rate you qualify for, all lenders have their own process of choosing your loan amount, rates and fees. LendingTree is a broker, not a direct lender. When you prequalify for a loan with LendingTree, it connects with multiple lenders that are all able to offer you a loan. You can then compare mortgage offers side by side for a quick idea of which mortgage companies will offer you the best rates.
When we contacted the company, it provided us with averages from its lenders for their rates, fees and additional costs. In a best-case scenario, LendingTree lenders can provide fixed interest rates that beat most of the competition, ranging from around 4% up to around 4.25%. Variable interest rates also start lower than with most other companies at around 3.6%. The average bank fees, including closing costs, depends on the lender you choose. Some lenders may not have additional fees while others may charge up to around $1,200, which is more than with many direct lenders. But again, fees and rates vary with each lender.
Eligibility & Requirements
With this broker offering you multiple offers, you also have a better chance of qualifying due to wide range of accepted requirements. For example, the preferred credit score for most lenders is between 660 and over 700, but LendingTree has lenders who accept credit scores as low as 580. The preferred down payment in the industry is around 20%, but if you do not have a full 20%, you can apply for an FHA loan with LendingTree, which only requires 3.5% down.
Customer Experience
When we contacted the company, we had positive experience with its customer service. The agents were willing to answer the questions they could; however, they were not able to answer specifics about individual lenders. LendingTree takes your information and connects you with lenders, but it does not handle your loan after that point.
The process consists of taking your basic information, including desired loan amount, available down payment, credit and employment history, DTI, and other personal information. After LendingTree enters your information into its system, it provides you with lenders and loan offers. This process is instant, so you can quickly find a loan. After LendingTree's part in your loan, you will work with the specific lender, most of which complete the underwriting and processing steps in under a month.
If you want to know more about LendingTree, you can view its website. It provides education on different loan types and offers financial advice. A valuable resource it offers is a database of reviews from real customers for the lenders it works with. The reviews provide a star rating along with customer reviews; some companies have hundreds or thousands of reviews.
Loan Types Offered
If this is your first mortgage, you have a few choices in loan types. Which loan type you can receive depends on a number of factors. If you have excellent credit and a low DTI ratio, you will likely be able to get a traditional 30-year mortgage loan. These come with either fixed or adjustable rates, depending on your preference and current market trends. The other first-time borrower option, as touched upon above, is an FHA loan. These federally insured loans help those with low credit scores and low down payments qualify for a loan without receiving exorbitant interest rates, though the borrower must pay extra for the insurance.
For refinancing options, LendingTree works with lenders who offer refinancing and equity loans. Basic refinancing loans allow you to rework your current loan to lower the interest rate. A cash-out refinance loan allows you to borrow more than what you owe in your home and keep the difference. With a traditional home equity loan, you borrow one lump sum with your home put up as collateral. A home equity line of credit also borrows against the value of your home but works more like a credit card that you pay off monthly and borrow up to your limit. While not all of LendingTree's lenders offer all loan types, LendingTree can connect you with a lender who does.
LendingTree stands out among the competition because it offers choices. Rather than receiving one offer that you can take or leave, LendingTree connects you with multiple lenders and offers so you can compare what rates are available to you, and then choose the best mortgage and refinancing company.


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to apply to Otterbein University.
Apply online today!
Forbes magazine has named Westerville the 5th friendliest town in the U.S.
Otterbein University, 1 South Grove Street, Westerville, OH 43081 614.890.3000
Otterbein University is a private, non-profit, United Methodist affiliated, regionally-accredited institution.
© 2016 Otterbein University. Otterbein University is an affirmative-action, equal-opportunity employer


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[PHOTO] RE: Setosa seedling-petals | Mon, 1 Jul 2002 21:37:25" />
Here is a group shot showing foliage and bloomstalk. also closeup of fall petal, top and bottom.
Chuck Chapman, Guelph, Ontario, Canada. Zone 4/5
Your favorite stores, helpful shopping tools and great gift ideas. Experience the convenience of buying online with Shop@Netscape! http://shopnow.netscape.com/
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This review, the first of its kind conducted by the OECD in the United States, assesses the region's capacity to contribute effectively to regional and national economic performance and quality of life.
Green and Growth can go together, provided that the appropriate framework and the right economic and regulatory incentives are in place to encourage sustainable use of our resources and the environment, said Angel Gurría.
Openness is one of the key values that guide the OECD vision for a stronger, cleaner, fairer world. This is why the OECD welcomes the launch of the Open Government Partnership today and the efforts led by Presidents Obama and Rousseff to promote government transparency, fight corruption, empower citizens and maximise the potential of new technologies to strengthen accountability and foster participation in public affairs.
The United States faces challenging budgetary prospects, as do most other OECD countries. The federal budget deficit widened considerably during the recession, reaching about 10% of GDP in both 2009 and 2010, reflecting the operation of automatic stabilizers and the policy response to the crisis
This book sheds light on the use of tax expenditures, mainly through a study of ten OECD countries: Canada, France, Germany, Japan, Korea, Netherlands, Spain, Sweden, the United Kingdom and the United States. It highlights key trends and successful practices.
This Working Paper provides a comparative perspective on the application of quality regulation principles to financial sector regulators, in the US, Canada, Australia, the UK and France.
English, , 212kb
The Government Performance and Results Act of 1993 (GPRA, the Results Act) established a performance management framework for federal departments and agencies. The framework consists of agency Strategic Plans, Annual Performance Plans and Annual Performance Reports. Additionally, the Director of the Office of Management and Budget (OMB) annually prepares a Government-wide Performance Plan. Approximately 100 Cabinet departments,
English, , 153kb
Federal budget procedures in the United States require forecasts and projections over several distinct periods of time: short term (18-24 months ahead), medium term (both 5- and 10-year horizons), and long term (as much as 75 years in the future). In the United States, the intermediate estimates have taken on increased significance with many press accounts referring to 10-year estimates. In addition to various time periods, the
English, , 192kb
Accountability is now acknowledged as an important element in good governance in the public sector. The term itself is complex, covering many aspects including: the move from accounting to accountability; the need to increase transparency; the importance of the political interface; the distinction between internal and external accountability; the use of accountability information; the interaction of accountability systems with other
English, , 198kb
This article describes the history of performance management in the United States government, including the Budget and Performance Integration initiative (BPI), the Program Assessment Rating Tool (PART), and the dedicated Internet site www.ExpectMore.gov.


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MES-SDS running buffer (20X) is used for high resolution of proteins on neutral pH. It finds application in the separation of small to medium-sized proteins.
Costaa, J.; Ansaria, P.; Mafrab, I.; Oliveirab, M. B. P.P.; Baumgartner, S. Development of a sandwich ELISA-type system for the detection and quantification of hazelnut in model chocolates. Food Chem. 2015, 173, 257-265.
Juvonen, K. R.; Macierzanka, A.; Lille, M. E.; Laaksonen, D. E.; Mykkänen, H. M.; Niskanen, L. K.; Pihlajamäki, J.; Mäkeläa, K. A.; Millsa, C. E. N.; Mackiea, A. R.; Malcolma, P.; Herziga, K. H.; Poutanena, K. S.; Karhunena, L. J. Cross-linking of sodium caseinate-structured emulsion with transglutaminase alters postprandial metabolic and appetite responses in healthy young individuals. Br. J. Nutr. 2015, 114 (03), 418-429.
Hazard Statements: H315-H319-H335
Causes skin irritation. Causes serious eye irritation. May cause respiratory irritation.
Precautionary Statements: P261-P280-P305+P351+P338-P304+P340-P362-P312-P321-P405-P403+P233-P501a
Avoid breathing dust/fume/gas/mist/vapours/spray. Wear protective gloves/protective clothing/eye protection/face protection. IF IN EYES: Rinse cautiously with water for several minutes. Remove contact lenses, if present and easy to do. Continue rinsing. IF INHALED: Remove to fresh air and keep at rest in a position comfortable for breathing. Take off contaminated clothing and wash before reuse. Call a POISON CENTER or doctor/physician if you feel unwell. Specific treatment (see label). Store locked up. Store in a well-ventilated place. Keep container tightly closed. Dispose of contents/container in accordance with local/regional/national/international regulations.


text: Image gallery (0) Add an image Contribute fixes Rate 1 2 3 4 5 Total votes: 24 100 January 21, 2010 - 11:44am PCBeefcake backup CD Ultima 9: Ascension v1.18 Download Ultima 9 Ascension More Ultima IX: Ascension Fixes Ultima 9: Ascension v1.07f US Ultima 9: Ascension v1.07f US Ultima 9: Ascension v1.0 GER Ultima 9: Ascension v1.0 US Ultima 9: Ascension v1.18 Add new comment Add new comment Your name (Login to post using username) Your name Subject Comment * CAPTCHAThis question is for testing whether you are a human visitor and to prevent automated spam submissions. (2) This is bogus This doesn't work. It just changes the way it asks for the CD. Not a crack at all. 0 yes no 0 reply report  excellent! excellent! 1 yes no 1 reply report  Add new comment


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Register to participate in the greatest Information and Communication Technologies (ICT) event in Europe here.
Accommodation with special rates for participants.
Book your accommodation here.
From 20-22 October Lisbon will host the biggest Information and Communication Technologies event (ICT) in Europe. ICT 2015 - Innovate, Connect, Transform is an initiative of the European Commission and in 2015 is co-organised with the Fundação para Ciência e Tecnologia (FCT).
Within its remit as the coordinator in Portugal for public policies on the Information Society, FCT played a pivotal role in bringing the largest biennial ICT conference to Lisbon.
With over 5 000 participants, ICT 2015 will gather high level speakers, networking sessions for the creation of European consortia, an exhibition dedicated to successful European ICT projects and several activities for the general public, at Praça do Comércio.
For three days Lisbon will be the European hub of ICT, bringing together politicians, national and European decision-makers, researchers and entrepreneurs, to debate the latest policies and initiatives of the European Commission on ICT.
The ICT 2015 event will comprise a number of parallel activities:
Registrations are now open.
To receive updates, check this page regularly or subscribe to the ICT 2015 newsletter
ICT 2015 conference will provide you information about the new Commission policies and initiatives with regard to Research & Innovation in ICT.
The interactive exhibition will showcase the results and impact of most recent EU ICT Research & Innovation projects.Conference:
The three conference days are organised around:• plenary sessions with the participation of EC Commissioners, MEPs, industry leaders and visionaries in the field of ICT;
The topics are structured around the three main themes of the event: Innovate, Connect, Transform.Exhibition:
Organized around the same three main themes - Innovate, Connect, Transform the ICT 2015 exhibition will offer the possibility to see:• the best results, tests and prototypes of European ICT Research & Innovation projects;
Are you willing to debate on a particular policy, research, technological or innovation theme, in a constructive dialogue? Interested in meeting participants with common or similar topical interests with whom you could develop collaborative relationships in the future? Then networking is the place for you!
The networking sessions are informal discussion groups organized by stakeholders participating in ICT 2015, and are open to everyone attending the event.
ICT 2015 offers many other formal and informal networking opportunities: Face2Face meetings, networking booths and "cosy corners" to sit and meet. If you wish to find a business partner, ICT 2015 is where you need to be!Startups and Innovation
Are you interested in startups and entrepreneurship and want to find out more about measures for supporting innovative firms in Horizon 2020?
Join us at the Startups and Innovation Forum, a village mixing thematic sessions and networking actions aiming to provide information and services to conference attendees specifically interested in this area. We will have dedicated sessions on women and entrepreneurship, EU entrepreneurship hubs, EU support for access to finance and much more.Students, Young researchers and innovators
40 outstanding students, young researchers and innovators students, young researchers and innovators will have the chance to represent their peers and take an active part in the ICT 2015 event. Connect with them also!
The ICT 2015 event will take place at the Centro de Congressos de Lisboa (CCL) in Lisbon, Portugal on 20-22 October 2015.
The conference centre is located near the Tagus river and the historic buildings of the Belém quarter.
Centro de Congressos de Lisboa (CCL)
Praça Indústrias,
PT-1300-307 Lisboa


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Altamont presents its fall "Bedouin Burnouts" collection with this home video-style lookbook. Directed by Caroline Snow, the video depicts the collection that draws its inspirations from the wandering Bedouin people native to the Sahara desert. These inspirations can be seen in the form of two woven patterns, the Hanif and Adahn, and complement the remainder of the collection, which includes updated jacket cuts and new colorways for the denim Altamont is known for. You can check out the new Altamont collection in its entirety here.


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Keewatin Air Charters specialize in Arctic operations for tour groups, corporate travel and freight movements, to name just a few. The Pilatus PC-12 is our sole charter aircraft which is available from our base of operations in Iqaluit, NU. The Pilatus PC-12 is known for its reliability, operational flexibility and outstanding versatility, and is very popular amongst our clientele.
Please complete our charter request form below to obtain further information on how we can help you with your charter plans.


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Aryan Brotherhood
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|Welcome to .~:FireWave:~.
How to use standard tibia client.
We know about bug when you trying using standard tibia client. We still working on it!
If you want use standard tibia client with ipchanger you need login two times then login into game should success!
Be sure this bug will be corrected a fast as possible!
Move to Client 10.50
Change time 10.50 client is out today! Please report all bugs on forum.
Hope you like it!
You can use our FireOTClient. All links is available on our DOWNLOAD.
IMPORTANT! Only Open Tibia Client work property on our server!
Enjoy ingame!
HIGH EXP! OLD style Fieots EVO 4FUN!
We are back to old experience stages and Old rates!
Only 4you and 4Fun.
No more explain and comments. Would you play then join us!
.~:FireWave:~. presents:
The Mad Pumpkin attack Fire!
Be on this event today, it's your chance to do TASK with a good prizes!
Good luck!
Happy Helloween!
Client downloading.
We just added client without IP-changer.
You can find it under DOWNLOAD
or directly download from this link: http://fireots.pl/public/uploads/fireclient.exe
Now is time 10.10 client!
Then we back to update client player!
As you know two years ago we was on client 9.8. I dont know, you liked it?
Never mind we update us server again. Now starting with 10.10 client and will update it success after way to newest client.
Now is time when we rebuild again us 6 years old server. We began just now with scripts, monsters etc. after it want to update a much of map with new locations and renewing of old caves.
See on us website to progress but just now you can try us with playing online and observe changes as is!
All suggest please post on our forum.
Here is some screen:
Some videos to you!
Spalam Blanta
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Added: 1 year ago
Promocja OTS
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Added: 8 minutes ago
Author: Bog Creager
By Sheboy
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Added: 7 minutes ago
Author: Bog Creager
By Bloodziak
Views: 1
Added: 6 minutes ago
Author: Bog Creager
By Nasteniak
Views: 1
Added: 5 minutes ago
Author: Bog Creager
By Smokey
Views: 1
Added: 3 seconds ago
Author: Bog Creager
Nowy start nowe mozliwosci!
Nieudany start w marcu spowodowal ze musielismy sie wstrzymac i udoskonalic server. Pracowalismy nad ulepszeniem grywalnosci i balansacji! mamy nadzieje ze wam sie spodoba!
Glowne zmiany sie nie zmieniaja a sa nimi:
Niestety w zwiazku z tym zostana tez usuniete domi, premium punkty, itemy.
Start przewidziany zostal na sobote o godzinie 18.00!


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Filter by:
Content type:
Stage 1&2
Stage 2&3
Stage 3&4
Stage 4&5
Challenge level:
Move from the START to the FINISH by moving across or down to the
next square. Can you find a route to make these totals?
Using the statements, can you work out how many of each type of
rabbit there are in these pens?
In how many ways could Mrs Beeswax put ten coins into her three
puddings so that each pudding ended up with at least two coins?
Can you put plus signs in so this is true? 1 2 3 4 5 6 7 8 9 = 99
How many ways can you do it?
This magic square has operations written in it, to make it into a
maze. Start wherever you like, go through every cell and go out a
total of 15!
Zumf makes spectacles for the residents of the planet Zargon, who
have either 3 eyes or 4 eyes. How many lenses will Zumf need to
make all the different orders for 9 families?
Arrange eight of the numbers between 1 and 9 in the Polo Square
below so that each side adds to the same total.
Using the cards 2, 4, 6, 8, +, - and =, what number statements can
you make?
Cherri, Saxon, Mel and Paul are friends. They are all different
ages. Can you find out the age of each friend using the
You have 5 darts and your target score is 44. How many different
ways could you score 44?
Winifred Wytsh bought a box each of jelly babies, milk jelly bears,
yellow jelly bees and jelly belly beans. In how many different ways
could she make a jolly jelly feast with 32 legs?
This problem is based on the story of the Pied Piper of Hamelin. Investigate the different numbers of people and rats there could have been if you know how many legs there are altogether!
There are 4 jugs which hold 9 litres, 7 litres, 4 litres and 2
litres. Find a way to pour 9 litres of drink from one jug to
another until you are left with exactly 3 litres in three of the
Use these head, body and leg pieces to make Robot Monsters which are different heights.
This task, written for the National Young Mathematicians' Award 2016, invites you to explore the different combinations of scores that you might get on these dart boards.
This challenge focuses on finding the sum and difference of pairs of two-digit numbers.
This challenge is about finding the difference between numbers which have the same tens digit.
Find the sum and difference between a pair of two-digit numbers. Now find the sum and difference between the sum and difference! What happens?
This task follows on from Build it Up and takes the ideas into three dimensions!
Can you find all the ways to get 15 at the top of this triangle of numbers?
In this calculation, the box represents a missing digit. What could the digit be? What would the solution be in each case?
Try this matching game which will help you recognise different ways of saying the same time interval.
There are 78 prisoners in a square cell block of twelve cells. The
clever prison warder arranged them so there were 25 along each wall
of the prison block. How did he do it?
You have two egg timers. One takes 4 minutes exactly to empty and
the other takes 7 minutes. What times in whole minutes can you
measure and how?
Two children made up a game as they walked along the garden paths. Can you find out their scores? Can you find some paths of your own?
In this problem it is not the squares that jump, you do the jumping! The idea is to go round the track in as few jumps as possible.
Sweets are given out to party-goers in a particular way. Investigate the total number of sweets received by people sitting in different positions.
Can you arrange 5 different digits (from 0 - 9) in the cross in the
way described?
There are 44 people coming to a dinner party. There are 15 square
tables that seat 4 people. Find a way to seat the 44 people using
all 15 tables, with no empty places.
There are to be 6 homes built on a new development site. They could
be semi-detached, detached or terraced houses. How many different
combinations of these can you find?
Place this "worm" on the 100 square and find the total of the four
squares it covers. Keeping its head in the same place, what other
totals can you make?
In Sam and Jill's garden there are two sorts of ladybirds with 7 spots or 4 spots. What numbers of total spots can you make?
My briefcase has a three-number combination lock, but I have
forgotten the combination. I remember that there's a 3, a 5 and an
8. How many possible combinations are there to try?
Explore the different snakes that can be made using 5 cubes.
Chandra, Jane, Terry and Harry ordered their lunches from the
sandwich shop. Use the information below to find out who ordered
each sandwich.
Lolla bought a balloon at the circus. She gave the clown six coins
to pay for it. What could Lolla have paid for the balloon?
What is the date in February 2002 where the 8 digits are
palindromic if the date is written in the British way?
Find your way through the grid starting at 2 and following these
operations. What number do you end on?
What do the digits in the number fifteen add up to? How many other
numbers have digits with the same total but no zeros?
Write the numbers up to 64 in an interesting way so that the shape they make at the end is interesting, different, more exciting ... than just a square.
Frances and Rishi were given a bag of lollies. They shared them out evenly and had one left over. How many lollies could there have been in the bag?
Tim had nine cards each with a different number from 1 to 9 on it. How could he have put them into three piles so that the total in each pile was 15?
In this maze of hexagons, you start in the centre at 0. The next
hexagon must be a multiple of 2 and the next a multiple of 5. What
are the possible paths you could take?
Suppose there is a train with 24 carriages which are going to be put together to make up some new trains. Can you find all the ways that this can be done?
If you hang two weights on one side of this balance, in how many different ways can you hang three weights on the other side for it to be balanced?
Use your logical-thinking skills to deduce how much Dan's crisps and ice-cream cost altogether.
Look carefully at the numbers. What do you notice? Can you make
another square using the numbers 1 to 16, that displays the same
El Crico the cricket has to cross a square patio to get home. He
can jump the length of one tile, two tiles and three tiles. Can you
find a path that would get El Crico home in three jumps?
This train line has two tracks which cross at different points. Can
you find all the routes that end at Cheston?
This problem is based on a code using two different prime numbers
less than 10. You'll need to multiply them together and shift the
alphabet forwards by the result. Can you decipher the code?


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Ebony Sonshine's energetic puppet show really brought the house down at Springhill Lake Elementary School! The educational show focused on the importance literacy plays in our lives and really drew in the attention of the K-3 audience! Thanks again for the awesome performances!!
We were part of the literacy Showcase Event at Greenbelt Middle School and we really enjoyed the puppets. They had a lot to offer to the students. Hope they will be able to expand into other schools with this great and unique educational performance.
Attached is a video of Ebony Sonshine Puppets performing their contemporary hip-hop rendition of the alphabet recital at our 2nd Annual Literacy Day Kickoff Evening Showcase Thursday, October 22nd at Greenbelt Middle School.
As the liaison for the promotion and celebration of literacy at Greenbelt Middle School, our goal has been to engage the community in motivating our students to promote and celebrate literacy. Ebony Sonshine Puppets has committed to partnering with Greenbelt Middle School to help us take our message and mission to the community of Greenbelt Elementary schools that feed into our middle school community. This initiative and partnership began in October 2015 (22nd) with our 2nd Annual Literacy Day Kickoff Evening Showcase 6:30pm-8:30pm in our multi-purpose room. Their contemporary hip-hop version of reciting the alphabet had our middle school students swaying and bopping to the rhythm of the music. I am excited with enthusiastic expectancy of continuing this partnership with plans to visit Springhill Lake Elementary during the school day for a literacy pep-rally that will include engaging the K-3 students with a puppet performance by Ebony Sonshine Puppets.
Great organization to be a apart of. This organization does great things in the community which we need more of.
Previous Stories
Well for the time that I was with Ebony Sonshine Inc it was pretty good and informative and helpful.
I met Ebony Sonshine, Inc. at an event in August of 2014 and I was very impressed with the puppet show they performed. After a lengthy conversation with one of the directors, I was very excited about being a part of ESI. I am an Educator, so when I was asked to be a part of their Life Development Division, I did not hesitate. It has been over a year now and working with the organization has been very fulfilling.
I have two teen-aged children of my own, so it feels good to be a part of something that is helping in the development of our youth.
I attended a couple of their fundraising functions and have seen serval of their ministry shows, reaching out to people of all ages...great organization!
I have been with Ebony Sonshine Inc (ESI) for over 15 years. It has been a delight in serving and performing for the community, church, and others. It is my prayer that ESI will receive resources and funding to continue their mission. They have touched many lives and have many great ideas to reach more young people in their unique and creativity way. However, they do need more serious volunteers (both adults and youth), which are willing to commit to the vision and mission of the organization. All the best to ESI.
If you have not invited Ebony Sonshine Puppets to participate during one of your events, you don't know what you're missing!!! They bring excitement and fun to everyone. We really enjoyed everything. We did a workshop with them and it was great. The children learned a little about puppetry and they allowed them to do a short song.


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In honour of the anniversary of 65 years on the throne; Tea Palace have created...
Launched to celebrate Tea Palace's birthday, the new Royal London Blend is a blend of...
Tea Palace Organic Da Hong Pao (or Big Red Robe) Oolong is one of the...
Dragon Phoenix Pearls is a light jasmine green tea and one of our most precious...
Tea Palace is pleased to present our new and exciting organic olive leaf infusion. Our...
Our finest Organic Chinese Matcha is carefully cultivated from shade-grown tea plants which are stone-ground...
Pure burdock root "tea" or Gobo Cha is commonly served in Japan for its many...
Organic Lavender Grey is Earl Grey blended with organic lavender from Provence, for a soothing,...
Black teas get their characteristic flavour and colour from a natural oxidation process, which follows initial drying and rolling of the leaves after they have been picked. Tea Palace offers a wide range of single estate black teas including world famous Assams, Darjeelings and Ceylons and a range of bespoke Black Blends.
Green tea is made from unoxidized leaves which are simply heated after picking to destroy the enzymes that cause oxidation. They are then rolled to release their flavour. Green teas are sweet and contain many of the vitamins and antioxidant properties of the fresh green tea leaf, making them highly regarded as a healthy, fragrant and delicious drink.
Oolong, meaning Black Dragon, is usually from China and Taiwan (often called Formosa, its old Portuguese name). It is a semi-fermented tea, a cross between green and black teas, which is widely prized for its digestive benefits.
White tea is the world's rarest tea as it can only be picked for a few weeks in any one year. Authentic white tea is only grown in the Fujian province in China where the exact method of processing is kept secret. What we do know is that white tea is made from a specific tea plant variety, as well as a particular processing method which raises small silvery hairs on the leaves and buds
Flowering teas (or blooming teas) are an exquisite and delightful experience, both in terms of taste and stunning visuals. Formed into a bulb by hand; the crafter begins by selecting the freshest whole green tea leaves and binding them carefully to a beautiful selection of flowers and flower petals, this is then left to dry and set into a delicate bundle.
Our stunning range of loose leaf tea blends with scintillating floral notes & flashes of colour thanks to the real blossoms they contain.
All our fruit infusions are made with only real visible pieces of fruit, whole berries and flowers. They contain no artificial colours or flavourings and are sugar-free.
Our herbal infusions are all blended using real herbs, flowers and seeds and contain no artificial flavourings or colourings.
House of Dorchester makes a range of scrumptious chocolate products for some of the UK's leading hotels, restaurants, and now available from Tea Palace.
Scrumptiously buttery shortbread made by Shortbread House of Edinburgh Founded 1989 Shortbread House is a family run bakery based in Edinburgh.
Our Mission
Tea Palace was founded in 2005 and continues to grow from strength to strength. As a nation of tea drinkers most of us know very little about where our tea comes and the different types of tea that are available to us. Our goal is to pioneer a world of the highest quality teas and infusions while helping our customers understand the origins, health benefits and flavours behind our finest selection of loose leaf teas.


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CENTRAL TAN LIVING! NEAR ALL TRANSPORTATION! This luxurious post-war doorman building is located between first and Second in the best Midtown East neighborhood. The building features a full time concierge, viewing atrium garden, a complementary fitness center, laundry room, Housekeeping service available, high speed internet access, pet- friendly, bike room, → Read More
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Save Big with This 3-pack Bundle!
D'Adarrio's XL Electric Guitar strings are favored by artists like Mark Tremonti, John Scofield, Pat Metheny, and Brad Delson. They are wound with nickel-plated steel, which gives them a bight and glossy edge, and they are known by many guitar players for their excellent intonation.
This 3-pack of EXL115 Blues/Jazz-gauge nickel-wound electric guitar strings runs from .011 to .049. What's more, it comes with a FREE universal string winder.
Behind every set of D'Addario strings are over three centuries of fine craftsmanship. The D'Addario family tradition began in the tiny town of Salle, Italy in 1680 where they made assorted instrument strings for over two hundred years before relocating to New York in 1905. As the modern string making industry began to develop, the D'Addario family emerged as innovators by designing the winding machine most string makers still use today. And while their techniques have modernized, the pride that goes into each set of strings dates back to the D'Addario family's earliest roots.D'Addario Nickel 6-String Guitar Strings 3 Pack Features at a Glance:
- Blues/Jazz Rock Gauge
- .011, .014, .018, .028, .038, .049
- Bright tone
- Round wound


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British Gas has sent out a clear warning that energy prices are likely to rise again later this year, unless wholesale energy prices start to fall back again and quickly.
The wholesale markets are where energy suppliers buy the gas and electricity that they then resell on to us.
Wholesale gas prices have risen particularly strongly, driven by the higher price of oil and by concerns over supply disruptions as a result of violence in Libya and the earthquake and tsunami in Japan. The latter has led to a diversion of LNG (liquefied natural gas) cargoes to Japan in response to a shutdown of nuclear generation capacity. Wholesale gas prices have risen by 78 per cent since their bombed-out levels of early 2010.
On a positive note, it is worth highlighting that we are not going to see a rerun of 2008 where some energy suppliers hiked gas prices by 50 per cent. That is because wholesale energy prices are still nowhere near their peak levels of 2008 yet retail energy prices are 20 per cent higher than were in April 2008 (the last time wholesale prices were at similar levels to today).
Wholesale markets are very volatile, which means that prices can move up or down very quickly. In fact, oil prices have fallen by 10 per cent just in the last week. Further prices hikes are not yet a certainty as wholesale prices could yet fall from current levels.
That is the good news. The bad news is that if wholesale prices don't fall from here, then we will see further energy bill hikes, and those hikes will likely take prices to new record levels.
In this environment, the best thing to do is to fix the rates that you pay for your energy, so protecting you from the potential increase for a period of a year or so. There are still several fixed rate energy deals available which are cheaper than standard bills, and which will look like great value when energy bills start rising again.
The important thing is that you don't delay. Once energy bills start pushing up again these rates will have long disappeared and it will be too late.
Joe Malinowski is the founder of the energy price comparison website theenergyshop.com.
- More about:
- Consumer Prices
- Energy
- Fuel Prices
- Libya


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Universal App – Optimized for iPhone and iPad.>
App Details
- Version 1.8.5
- Release date Jul 6, 2012
- Size 95.67 MB
- Age 9+
- Genre Action
- User Ratings 0.00 (5 votes)
App Store Description
With humans on the brink to discover the secret of eternal life, angels and demons make a pact to proclaim the apocalypse to be able to materialize into the real world, fight the humans and keep the circle of life intact. SoulCraft lets you play as an angel, demon or human – it is up to you who will win this fight.
SoulCraft is a free2play Action RPG being developed by the small indie game studio MobileBits. We will constantly add lots of stuff (locations, character, spells, items and more) and we will use your feedback to decide what to do next.
Play the game right now and tell us what you think on our feedback page at http://SoulCraftgame.com/feedback.html. And please like us on http://facebook.com/Soulcraftgame
- free2play Action RPG
- play in real locations such as Venice, Rome & Hamburg, New York & Cambodia. More locations coming soon!
- play as an Angel now with more races including Demon and Human coming soon
- five different game modes including time run, arena, hellgate, crystal defense and boss fights
- lots of different and diversified enemies, weapons and spells
Need help? Use our SoulCraft Walkthrough or sign up and make your contribution today.
What's new in version 1.8.5
- new locations and content (e.g. egypt and new venice) - reduce RAM requirements - improve loading times - make more accessible (easier at the beginning, give more unlocks earlier..) - lots of other bug fixes
SoulCraft is a universal iOS app available in the App Store for free with in-app purchases. The game is compatible with all devices running iOS or later, including the new iPhone 5. To download the SoulCraft app click the button below to go to the app's download page.
Developer site: SoulCraft support
If you've enjoyed the game, please rate and review it on the App store and in the comments section below.
iPhone Screenshots
Recent Reviews
Awesome. Fantastic - Gameplay. Graphics. Soundtrack on ipad3Freemium - quite expensive
Fun and.. Fun and by the way can you add online were you can build stuff like lighting tower and other stuff thank you
Black screen. Keep getting the black screen and crash when i open up the app . Keeping the game cus is looks nice and looks like its worth
having . I updated the app earlier today but the crash keeps happening . Pl
Black screen bug. Still not fixed.EDIT: Eventually working after trying 6 times.
Feeling the euphoria. This is an amazing game. Downloaded it a week ago and have minimum black screens and such. Great story too. For those who complain
all the time about crushes as the description says they are working o
Share This App
Download SoulCraft App Latest Version on Android and iOS. You can get it directly on your device or download the app to your PC or Mac computer then install the app on your tablet or smart phone.
Similar Apps
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The Dawn Galveston Beach Condominiums, where land, sea, sky and sun meet. The Dawn offers a unique combination of luxury and value. Set behind Galveston's protective Seawall Boulevard, The Dawn Condominiums are an excellent solution for a Galveston vacation. Conveniently located within minutes of Schlitterbahn Water Park and Moody Gardens, → Read More
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