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PepsiCo beats the Street's forecast
PepsiCo is selling more its snacks and drinks around the world, even as the maker of Frito-Lay, Tropicana and Quaker Oats tries to figure out how to sell more soda in the United States.
The company on Thursday reported a first-quarter profit that beat Wall Street expectations as it saw strong growth in emerging markets and benefited from a lower tax rate.
PepsiCo's North American snacks unit also saw gains, with premium offerings such as Stacy's pita chips and Sabra hummus performing particularly well. The popularity of its Doritos and Lay's also helped pick off market share from competitors. As such, PepsiCo said it is confident it can raise prices in the year ahead without scaring off customers.
Bradenton-based Tropicana Products Inc. is beginning to gain share in the chilled juice category through "just a lot of great advertising, incredible execution focus in all of our traditional strongholds," PepsiCo CEO Indra Nooyi noted in a conference call with analysts.
"We are seeing impressive performance gains in Tropicana. And just look for us to grow the Naked franchise -- it's continued to bring innovation into the Tropicana franchise and the launch of Tropicana Farmstand, which is our fruit and vegetable product is also doing very, very well," Nyooi said. "So, continue to look for innovation from Tropicana, we feel good about tailwinds of those categories, because they are more in the nutrition space coupled with the fact that our brands are very strong," she said.
Soft drink market
But for its beverage unit in the Americas overall, revenue was flat as price hikes offset a drop in volume. Soft drink volume declined in the mid-single digits.
"The cola category continues to be a challenge," Nooyi said.
Over the past year, PepsiCo has significantly stepped up marketing for its namesake drink, including an endorsement deal with the pop star Beyonce.
But it is struggling to win back market share from Coca-Cola Co. at a time when Americans are continuing to cut back on soda in favor of water, sports drinks and bottled teas.
PepsiCo offers a variety of drinks in all those categories, including Aquafina, Gatorade and Lipton. But Nooyi noted that the company has to be careful about investing more heavily in one brand at the expense of another.
Soda, for example, is generally more profitable than bottled water and still makes up the bulk of its beverage sales.
"Any growth we achieve in one area takes from another area where we compete," Nooyi said, noting that the company is still working on the "reinvention" of its carbonated soft drinks.
The remark was in part a reference to work on a natural sweetener mix for sodas that PepsiCo hopes will let it reduce sugar content without sacrificing taste. The company has declined to provide specifics, but Nooyi has said the innovation could "potentially alter the trajectory of our cola business in a meaningful way."
With growth sluggish in the U.S., PepsiCo and rival Coca-Cola Co. are trying to improve profit margins by reducing costs wherever they can. Earlier this week, for example, Coca-Cola announced preliminary deals to start refranchising its U.S. business. By handing over distribution responsibilities to its independent bottlers, the Atlanta company would lower its own expenses by exchanging direct revenue from beverage sales in favor of franchising fees.
Restructuring at home
PepsiCo also is reviewing a restructuring of its North American beverage business but a more radical change may be in the cards.
Analysts have speculated that activist investors, including Ralph Whitworth, who disclosed a stake last year, could pressure for the split if results do not improve.
Chief Financial Officer Hugh Johnston declined to rule out the possibility of a spinoff but emphasized that the company would not provide an update on the matter until early next year.
Separately, PepsiCo noted that it expects to continue improving profit margins, with about $900 million in cost savings this year.
Despite its better-than-expected results, PepsiCo stood by its forecast that core profit would grow 7 percent, noting that the global economy remains volatile and that it could opt to reinvest any savings.
For the quarter, the company earned $1.08 billion, or 69 cents per share. That is down from $1.13 billion, or 71 cents per share, a year earlier. Revenue rose 1 percent to $12.58 billion, beating analysts' prediction of $12.54 billion.
Shares were up $2.40, or 3 percent, at $81.25 by the close of regular trading on Thursday.


text: A Capstone Project is an assignment designed specifically to apply and showcase the skills you learned in the Specialization. To this end, the Business Strategy Capstone Project, a comprehensive Strategic Analysis, provides an opportunity for you to synthesize concepts and knowledge from the four prerequisite courses in the specialization. You may continue with the organization you selected for previous assignments or select a new organization for this project. You will analyze the current state of the organization, strategic issues facing the organization, strategic paths the organization might pursue, make a recommendation of the best path for the organization to pursue, and write an Executive Summary. Your finished project will serve as an artifact showcasing your ability to conduct research on/within an organization, select and apply the most appropriate analytical tools, build a well-supported case for a specific position, and effectively communicate key points with executive leadership.

subset: commoncrawl


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I realized that Sacred Duty has been without an update for a very long time. I have nothing really of note to report, but I'll go ahead and lay down some thoughts about MOP now that we're a few weeks in.
Things I want to do with my time:
- Raid my nice, limited 12 hours a week.
- Tank challenge modes!!
- Cloud Serpent dailies
Things I actually have to do with my time:
Golden Lotus dailies(thank god, I'm done) Klaxxi dailies(thank god, I'm done)
- Shado Pan dailies
- August Celestial dailies (2 locations, since it's bugged)
- Tiller dailies
- Galleon spawns, as many as possible (he's handing off loot to everyone on every kill these days).
- Sha of Anger once a week
- LFR once a week
- Spend 2 hours wandering around Jade Forest trying to fish up Giant Mantis Shrimp for my food
- Give up, buy Mantis shrimp at 20g / pop
- Fuck farming Mushan, buying that at 15g / pop as well
- Buy herbs, lots and lots of herbs, for flasks, pots, and Darkmoon cards
- Use 2x Scribe cooldowns
- Use 1x Alchemist Living Steel cooldown
Mists of Pandaria is driving me a little bit crazy.
I've never, ever had to do this much out of raid work. My guild is feeling it too, since we have always historically been on that line between "low time investment" and "high performance." There is nothing low about the time investment that raiding in a serious manner requires right now. Absolutely nothing. When I'm spending as much time raid-prepping as I am raiding, something is seriously fucking wrong.
There is an appropriate amount of farming that I feel I should do because I am a pretty hardcore raider in a pretty seriousface guild– yes, I should make sacrifices. But this is well above the level of what I feel is appropriate. I thought the devs had decided that this much farming for raid wasn't fun? I thought that they've been moving away from that since Vanilla? I could find a blue post or two, but I'm just too tired from farming for Shrimp well into the night last night to put forth the effort.
I've a couple raiders in my guild who really did raid back in Vanilla and I'm told this is far and away the most grindy expansion launch they've ever seen.
I'm sure it'll chill out as soon as I finish my rep dailies, but for now it's still quite a bit of work.
"What the FUCK is this shitty food?!"
Oh, let's get into the food argument again!
300 stat food is a nonzero DPS contribution. It's just as simple as that. If you consider 625 rating across the raid being estimated about 2000 raid DPS, that's 1-2 million worth of damage. Sure, less than 1% of a current boss health pool, but all you have to do is sit down and eat the food to get it. Yes, it's well within your mistake range. Yes, it's within the margin of error on sims. Yes, a breath of hesitation on one ability will make the same difference. I don't care. It's a (tiny, tiny) flat increase that you gain by sitting down and clicking some shit in your bags, and that's all that matters.
My favorite argument against the food was the No True Scotsman argument at the end of this blog post. It argues that hardcore raiders should prioritize some, chosen stat increases and discard some others (instead of, you know, going for all of them), which is crazy to me. It also, hilariously, compares 275 vs 300 food to the choice between boot enchants – stats or runspeed. Because, you know, trading 25 rating for ZERO is the same as trading rating for a runspeed increase. The best is the end, with a couple condescending platitudes about how real raiders optimize. Here's my favorite: "To put it bluntly: posturing about how you're the kind of player who needs to farm this food because you pursue every possible avenue of optimization does not impress anybody. It makes you look clueless."
You know, I'm happy to keep on being clueless with my little band of 2/6 25M heroic raiders. We are just too stupid to understand how optimization works.
Actual Good arguments against the food include:
- "The gain is so minuscule that it's not worth the incredibly huge time/money investment"
- "It's not fun"
- "All our raiders will go insane if we keep using it."
This is probably the road my guild will go down soon.
I agree that the effort it requires is not, anywhere near, worth the output. We are in the end a low-hour guild with a limit to the time most of us can or want to invest in WOW. We're still using it, only on the very, very serious pulls. I'm fairly certain that if the mats required don't change, we'll start using it less and less. The reward may not be worth the investment – except on tight enrage timers.
But "the gain isn't worth the cost because we will go crazy" is definitely a different argument from "Using the food is wrong, you're bad to use it and you should feel bad."
I don't hate all farming. Really. I really like the Tillers. I secretly love my Spirits of Harmony farm! I also have a burning desire to have a Cloud Serpent, not for the basic ones but because the raid drop mounts are jawdroppingly beautiful. One day I will update that twitter icon of mine…
However. Fuck the rest. Seriously. Fuck them. I was never happier than the day that I realized I didn't have to do those goddamn Klaxxi quests anymore because the rewards were all at Revered. Thank god. I was happier on that day than on the day I finished off Golden Lotus. Those were more bearable than the Kill 200 Bugs quest in the Slow Ass Mount That Kills Nothing in One Hit.
I'm trying to determine which I hate more: Flying around for 2 hours looking for Shrimp spawns to fish up mats for my food, or Klaxxi dailies. I'm thinking I hate Klaxxi more.
Please feel free to comment with your least favorite set of dailies to convince me there are worse ones in the game.
Valor Points
So…. dailies for valor points. Worst idea ever or worst idea ever?
Dungeons provide very little VP. Raids provide very little VP. LFR provides (in some hilarious twist of math) more VP currently than do raids. So there is no possible way that any raider will skip LFR, even if we didn't need the gear out of it (and we do).
I'm capping my VP now because I have to do all these dailies for raid. But one day, I'll have finished all my raid-relevant reps and I'll find myself uncapped with 50 dailies to do. I can't imagine being less excited about anything.
Challenge Modes
I'd love to tank some. Someday. When I have time.
The Raids: Mogushan Vaults is Awesome
Fortunately the raids are so very amazing that they make up for all this farming.
MSV is fabulous. I honestly can't remember the last instance I loved so much. I'm mentally comparing it to T11 while telling myself that I've only seen 3 heroic modes so far with some work on #3, and I suppose I should reserve judgement until I've seen more. But the whole place is just so well designed– even the normal modes were beautiful, compelling and pretty damn challenging in 463 gear.
Something Wicked has been powering through MSV, downing all 6 bosses on Normal in Week 1 (with a big time sacrifice to make it happen!) and then getting both Stone Guard Heroic and Feng Heroic to our great happiness in Week 2. The Feng kill was US 38 and World top 100, and I was just about floored. It's not like the kill was a surprise, we worked damn hard on both bosses in our usual efficient manner and the kill was clean, but I was really tickled pink to see our hard work pay off. Feng is also a very straightforward boss, and if you pull each phase with the intention of working on them and learning them, putting all the pieces together then seems quite easy. Well-designed.
I love bosses with a lot of pieces that just fall into place once you've learned them all. This describes a large part of MSV, and the whole instance has me quite happy. I feel as though Blizz's encounter designers have really outdone themselves.
We needed MSV.
We really, really did. The spring and summer were really scary for all guilds, I think. The last nine months were just… so bad, so terribly bad, from February until September, a lull where all we had to do was a raid instance that was absolutely atrocious at launch and just got worse and worse as it was buffed more and more. But we survived, and so did many other raiding teams, waiting anxiously for Blizzard to convince us that we've a reason to raid. Finally they have given us a raid instance that feels worthy of our time, and I couldn't be happier.
I love raiding again, and that's not something I've really felt since Firelands.
I just hope at some point all this daily stuff will calm down so I can focus on the stuff I really want to do.


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City of GlendoraHome Menu
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Employment applications are accepted only for currently open positions. Applicants must submit an online application at www.calopps.org. However, if you do not have access to the internet, kiosks are available at the following locations:
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Listings of all job openings with links to the job flyers and the Calopps website are available below. Please note that some recruitments may require a Supplemental Questionnaire. If required, the Supplemental Questionnaire will be included during the application process.


text: Wednesday, February 20, 2013 Some Skiers Can Avoid Surgery for ACL Tears About a quarter of recreational skiers who tear their anterior cruciate ligament (ACL) on the slopes can be successfully treated without surgery, according researchers at Hospital for Special Surgery in New York City. Their article appears online ahead of print in the journal Knee Surgery, Sports Traumatology, Arthroscopy. The study found that at 6 to 12 weeks post-ACL tear, results from 2 tests that involve only the physical manipulation of a knee can identify skiers with a torn ACL who will recover without surgery. The researchers examined records of patients treated between 2003 and 2008 to identify recreational alpine skiers who were seen within 6 weeks of a first-time ACL tear. To be included, skiers had to have ACL rupture documented on an MRI after the injury and a minimum of 2 years follow-up. Patients were excluded if they had injured ligaments in both knees. They identified 63 acute, first-time skiing ACL tears; 29 of these patients did not undergo an ACL operation. The researchers then separated the 29 patients into 2 groups, those that had low-grade Lachman scores and negative pivot shift tests, indicating a potentially healed ACL, and those that had Lachman scores of 2+ and a positive pivot shift test indicating a damaged ACL. Six to 12 weeks after injury, 17 of the 29 skiers who did not have surgery had a Lachman score of 0 to 1 and a negative pivot shift test. Six of these patients were lost to follow-up, but 11 returned for a study-specific follow-up evaluation at more than 2 years post-injury. These patients completed questionnaires that gauged how well the knee was functioning and how their ski accident had occurred. They also underwent Lachman and pivot shift tests and a KT-1000 test to measure motions of the shin bone relative to the thigh bone. Skiers described injuring their ACL in tumbles where the ski had rotated too far. Physical exams revealed that 10 of the 11 patients still had Lachman scores of 0-1 and negative pivot shifts tests, and only 1 patient's scores had deteriorated to a Lachman Grade 2+. None of the patients, however, complained about knee instability. Eight had returned to skiing without the use of a brace; 3 no longer skied. KT-1000 test results also were positive. APTA member Greg Fives, PT, coauthored the article. Comments Probably should be a bit more clear to say: "in alpine skiiers over the age of 30 who sustained a skiing injury to their ACL- ..." Some folks will not catch that these were 30+ olds 29-58 mean 43 and injury was skiing related- These may represent a different set of patients - not similar to the traditional non-contact valgus collapse. Posted by Terry Malone on 2/22/2013 4:00 PM Confused by your comment Terry. That is is the entire premise of the article that it is a different mechanism from noncontact ACL injuries. The fact that these are skiing related is in the title of the research paper. Sincerely, Greg Fives PT Posted by Greg Fives on 6/19/2013 12:54 PM Dear sir, I had been to ice mall on oct 18 2013.I skided while i lifted my daughter 6 years old.My MRI shows high grade partial thickness tear at midsegment of ACL.Grade II longitudinal tear at anterior horn of lateral meniscus.But I had the instability of my leg on the day of the accident,but now i am able to walk with no instability.Whether i have to wait for 6 to 12 weeks for my ACL recovery.Please suggest me in this regard. Posted by VASUDEVAN on 11/3/2013 9:32 PM


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As we enter the digital age, technology has been a driving force in putting pressure on many industries, taking any goods or services that could possibly be commoditized and driving their profit margins down to a sliver. In recent years, many have wondered whether financial planning may soon be impacted in a similar manner, especially given how software like TurboTax devastated the profitability of tax preparation services. After all, the commoditization has arguably already begun for some parts of the financial services industry, as costs have plummeted for trade execution and index investing and many software packages offer the ability to perform relatively sophisticated financial planning projections entirely for free.
Yet the reality is that financial planning itself may remain remarkably resistant to commoditization for the foreseeable future, for the simple reason that financial planning is incredibly customized and unique to the needs and complex circumstances of the client, and outcomes can still vary greatly depending on the expertise and the skillset of the planner (unlike tax preparation, where ultimately the outcomes are exactly the same because all clients and their preparers both have to follow the same IRS guidelines).
In fact, arguably the greatest challenge in financial planning is not that services are so nearly identical from one planning firm to the next that the only competitive factor is price (as occurs in commoditized markets), but instead that the planning experience is still so different among firms that consumers struggle to determine which planner would be the best fit in the first place.
Nonetheless, the caveat is that for advisors who have linked the profitability and success of their businesses to a commoditized service, such as charging a fee to gather data and do financial planning software projections, or charge an assets-under-management fee just to provide strategic passive asset allocation using index funds, the "robo-advisors" are a threat and the pressure is on to step up and deliver greater value.
Ironically, in the end that means not only is financial planning not being commoditized in a manner that makes financial planners irrelevant, but the reality may be that it's about to get even more competitive with more financial planners than ever, as an increasing number of advisors realize the components of what they provide have become commoditized and that they must step up to provide a deeper, higher quality of financial planning advice and services for their businesses to survive and thrive.
What Does It Mean to Be Commoditized?
Although it's a term that's often thrown around lightly, the true process of "commoditization" occurs when a particular series of goods become indistinguishable and undifferentiated from one another, such that they are viewed as being perfectly interchangeable with one another. By contrast, goods that have not been commoditized may have several points of distinction, from particular features and benefits to even more ephemeral qualities like brand. This is important because differentiation not only allows businesses to compete based on these qualities, rather than price alone, but also because it allows for a richer and more varied marketplace where there can be multiple companies that survive and thrive, each with their own particular version of the product and each with their own target audience of consumers who buy it.
By contrast, when goods are viewed as entirely undifferentiated and interchangeable, the only way to survive is to compete on price by trying to be less expensive than the competition… if possible. In practice, this can quickly topple businesses, as not every company can drive down its costs of production to provide the good on a cheaper and cheaper basis to undercut the competition. Only the cheapest producer survives in a fully commoditized marketplace. As a result, most goods and services are not completely commoditized, in large part because the businesses that provide them try hard to avoid this outcome, maintaining differentiation by any means possible.
Nonetheless, a great deal of commoditization does exist in many industries. For instance, many types of technology goods have been commoditized; while computer processors may remain competitive because of various processing speeds, more "mundane" parts like keyboards or power supplies or hard drives are often viewed as undifferentiated and interchangeable, where it's easiest to just purchase the cheapest solution.
This is similarly true for many other products as well, from auto parts to construction materials to cleaning supplies. And of course, the term is commonly used for a number of financial markets goods that are similarly viewed as interchangeable "commodities" such as gold, silver, orange juice, cocoa beans, heating oil, and more. Notably, the concept of commoditization can apply in the service industries as well; for instance, internet and cable service has been largely commoditized (although the companies try to differentiate themselves with offerings like premium channels), and commoditization has also struck much of the airline industry, and even annual services like tax preparation.
What Is Being Commoditized in Financial Services?
In the broad financial services industry, many parts of the business have become largely commoditized in recent years, as evidenced by the strong downward pressure on prices for certain services. On the plus side, this allows consumers to get many services cheaper than ever; the downside, however, is that it's a very dangerous environment for companies that risk being made irrelevant if they cannot find a way to cut their own prices enough to compete.
For instance, the execution of investment trades has become almost entirely commoditized over the past two decades, driven heavily by the automation of technology and the rise of online brokers like Charles Schwab and E-Trade; as a result, executing a stock trade a few decades ago might have required the services of a bona fide stockbroker and cost $100-$200 or more, while in today's marketplace if can be done using digital tools for no more than 5% – 10% of that cost from a few decades ago… and in some cases, less, or even entirely free.
Similarly, the world of indexing has also been largely commoditized in recent years, a trend that began with Vanguard but has accelerated with the rise of Exchange-Traded Funds (ETFs). As a result, the investment expenses that must be undertaken to gain raw exposure to the markets just continue to fall lower and lower, as consumers simply buy whatever commoditized indexing vehicle is available at the lowest cost – since, by definition, the actual investments in the index would/should be identical.
Of course, the forces of commoditization have been playing out in other industries related to financial services as well. For instance, the rise of companies like TurboTax and H&R Block have drastically cut the pricing for tax return preparation (which posed a significant challenge to many established accounting firms); arguably, though, tax preparation was especially prone to commoditization risk, since the process is dictated by adhered to IRS rules and therefore everyone should ultimately end out with the same tax return results. Similarly, the rise of online services like LegalZoom has begun to put pressure on the cost for basic legal documents of all sorts, which again are typically identical or substantially similar for at least the majority of consumers (until the needs and situation become more complex for a select few).
In the second part of this post, we'll finally answer the question—is financial planning becoming commoditized?


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UPDATE: The finalists for Fourth Annual Delete Key Awards for bad writing in books will be announced on Thursday, Feb. 25. Please nominate your candidates by Feb. 15, 2010.
One-Minute Book Reviews will announce the finalists for the Third Annual Delete Key Awards for the year's worst writing in books tomorrow, Feb. 26. The first book to make the shortlist will be named at about 10 a.m. Eastern Time with other titles released throughout the day. The full list of finalists will be posted by 5 p.m.
Here are some questions and answers about the awards:
Why do we need the Delete Key Awards?
When you go bed with a book, you should be able to respect yourself in the morning. Unfortunately, too many publishers don't realize this.
Who is eligible for a Delete Key Award?
Any book for children or adults published in hardcover or paperback in the U.S. in 2008, including reprints and books in translation.
Why are the awards for "the worst writing in books" instead of "the worst books"?
The overall quality of a book involves subjective issues such as taste and judgment. The Delete Key Awards recognize more clear-cut sins. They call attention to such things as clichés, bad grammar or writing at a statistically verifiable third-grade level. The listing for each finalist will give an example of the bad writing in the book and comment on what's wrong with it.
What kind of bad writing qualifies for an award?
Anything that would make an intelligent reader cringe. The sins that may qualify a passage in a book for a Delete Key Award include clichés, bad grammar, dumbing down, psychobabble, stereotypes, mispunctuation, stilted dialogue, unintentionally comic sex scenes, and overall tastelessness (the "that's just sick" factor).
This is the third year Delete Key Awards have been given. What's new in 2009?
First, visitors to One-Minute Book Reviews are choosing one of the finalists through a poll posted on Feb. 21 oneminutebookreviews.wordpress.com/2009/02/21/. The poll remains open until 5 p.m. Eastern Time Feb. 25. Second, for the first time a special posthumous Delete Key Award will be given out before the shortlist appears.
Who are some past winners of the Delete Key Awards? Where can I read the bad writing that won them their awars?
The 2007 winners were Danielle Steel's Toxic Bachelors, grand prize; Mitch Albom's For One More Day, first runner-up; and Claire Messud's The Emperor's Children, second runner-up, all of whose winning passages were posted on March 15, 2007. The 2008 winners were Eckhart Tolle's A New Earth, grand prize; Alice Sebold's The Almost Moon, first runner-up; and Rhonda Byrne's The Secret, second runner-up, all of whose winning passages were posted on March 14, 2008.
How do you select the finalists?
At the end of each review on One-Minute Book Reviews, you'll find the best and worst lines in the book. The finalists usually come from the "worst" lines. But all of the selected examples of bad writing are typical of what you'll find in the book that made the shortlist. No author became a finalist because of one or two bad lines.
Why are you picking on struggling authors?
First, "struggling authors" is a cliché. Strike it from your vocabulary. Second, I'm not picking on those people. Most of the Delete Key Awards finalists are rich. Those who aren't rich are generally influential or representative of a strong trend in publishing.
When will you announce the winners of the Delete Key Awards?
Visitors to One-Minute Book Reviews will be able to comment on the finalists for two weeks, and the winners will be named on March 16. The winners are usually named on the Ides of March because Julius Caesar was assassinated then, and at least in spots, these books assassinate the English language. But March 15 falls on Sunday this year, so the awards are being announced on March 16.
Why are you announcing the finalists one at a time instead of all at once?
It will provide more entertainment for people who are bored at work. And there are so many bad writers published in the U.S., my site might crash if they all rushed over at once to see if I'd recognized their contributions to literature.
Why are you qualified to pick the winner of the Delete Key Awards?
One-Minute Book Reviews doesn't accept free books or other promotional materials from editors, publishers, literary agents or authors whose books may be reviewed on the site. So the reviews aren't affected by the marketing considerations that sometimes affect the decisions of others.
I also received more than 400 books a week during my 11 years as the book editor of the Plain Dealer, Ohio's largest newspaper. These included Knitting With Dog Hair, which is still in print. Critics laughed when the book was published. But Knitting With Dog Hair looks like Madame Bovary compared with some Delete Key Awards fianlsits.
One-Minute Book Reviews is for people who like to read but dislike hype and review inflation. It was created by Janice Harayda, a novelist and award-winning journalist who has been the book columnist for Glamour, the book editor and critic for the Plain Dealer and a vice-president of the National Book Critics Circle.
Thanks so much for visiting One-Minute Book Reviews.
© 2009 Janice Harayda. All rights reserved.


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How do you get a bird's-eye-view of a penguin colony? Give a bird the camera.
A documentary filmmaker made a camera that looks like a penguin egg and stuck it in the colony. The result is some uniquely close-up footage of the birds.
In the clip, a caracara bird finds the egg-cam, thinking it's an easy meal. When he takes off with the camera in talon, he captures the first bird-shot footage of a penguin colony.
But then the bird drops the hidden camera mid-flight, and two turkey vultures roll it back to the the penguin's area.
The video is taken from 'Penguins - Spy in the Huddle,' a documentary that was shot using 50 disguised cameras in penguin colonies in Antarctica, Peru and the Falkland Islands, among other locations.


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Blog Archives
Former Manchester chancellor received $170k a year after leaving diocese
Former Manchester chancellor received $170k a year after leaving diocese
By MARK HAYWARD
New Hampshire Union Leader
From the link: http://www.unionleader.com/article/20130508/NEWS/130509311
MANCHESTER – The former high-ranking Catholic Church official now under investigation for improper use of church funds earned a $169,900 salary at his job at a Maryland treatment facility, where he abruptly resigned last week.
The Rev. Msgr. Edward Arsenault earned the salary as president and chief executive officer of St. Luke Institute, residential and out-patient clinic for clergy, priests, nuns and brothers in need of mental health and spiritual treatment, wellness and educational programs.
On Monday, the Diocese of Manchester announced that it had suspended the priestly privileges of Arsenault while investigations proceed into possible illegal use of church funds and an inappropriate adult relationship on his part.
Just days before the announcement, Arsenault resigned the job at St. Luke, which he had held since October 2009. Arsenault has also resigned as chairman of the board of St. Luke Centre, a sister institution in Manchester, England.
The New Hampshire Union Leader accessed St. Luke's financial statements through Guidestar.org, a website that tracks financial reports of tax-exempt institutions. The salary was for the 12-month period that ended June 30, 2011.
"Priests who hold executive positions in fields such as health care and academia typically are paid a salary commensurate with that field during their service," said Susan Gibbs, a spokesman for St. Luke.
In its latest filing with the IRS, the organization reported annual revenues of $6.4 million. The non-profit organization describes itself as Catholic, run by a priest and a lay board. It treated about 500 patients in its last fiscal year, Gibbs said.
Gibbs said Arsenault maintains a home in the greater Washington, D.C., area.
Given the allegations against Arsenault, Gibbs said St. Luke's has hired an outside firm to conduct a forensic audit of the organization. Annually, an outside firm audits St. Luke's books and has found nothing amiss, Gibbs said.
"Just out of good stewardship, we are going to have another audit done," Gibbs said.
The salary at St. Luke pales in comparison to what Arsenault earned as a New Hampshire priest. Even though Arsenault had extensive administrative responsibilities in the Diocese, his salary was $19,652 when he left New Hampshire for St. Luke, according to information provided by the Diocese.
Diocesan clergy take vows of chastity and obedience. Only priests who join orders, such as the Benedictines or the Franciscans, take vows of poverty.
The diocesan salary applies to priests working inside the Diocese, Donovan said. New Hampshire has two other priests who earn an outside salary; both are military chaplains and earn a salary based on their rank, he said.
"Priests don't make a lot of money as priests, but if you're the head of an institution – Boston College, Notre Dame – they make more than $20,000, $25,000," Donovan said.
The previous president/chief executive at St. Luke, Msgr. Stephen Rossetti, earned $211,000 in the year before Arsenault's arrival. He is taking the job of interim president.


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Mon 27 Apr 2020.
Wed 07 Nov 2018Unexpected letting fees and high deposits can cause a significant affordability problem for tenants.
Fri 31 Aug 2018.
Wed 23 May 2018Confidence is returning to the housing market, says Zoopla.
Tue 22 May 2018Abolition of tenancy fees charged by agents gets another step closer: But can ban get more draconian?.
Tue 01 May 2018Government launching another review of Carbon Monoxide regulations.
Tue 24 Apr 2018The Property Ombudsman offers free membership to redress rival's agents.
Fri 20 Apr 2018Some landlords struggling with 'complex' BTL legislation.
Wed 18 Apr 2018Government must 'support, rather than attack', private landlords, says RLA.
Tue 17 Apr 2018Rents remain unchanged across much of the UK.
Fri 13 Apr 2018Build To Rent total 'built and planned' surges to 180,000.
Tue 20 Mar 2018New scheme will help renters take 'first step on to the property ladder'.
Thu 15 Mar 2018Just 4% of tenants and landlords up to speed on MEES - claim.
Wed 07 Mar 2018Call for tax reform and 'new business model' for lettings sector.
Mon 05 Mar 2018Court case shows agents must be scrupulous in issuing paperwork to tenants.
Thu 15 Feb 2018Investors should be 'pouring' money into the buy-to-let sector, says expert.
Mon 12 Feb 2018Don't force longer tenancies on rental sector, government told.
Wed 07 Feb 2018Average rents climbing in every UK region for first time in two years - claim.
Wed 31 Jan 201820% slump in demand for housing last month, reports NAEA.
Thu 25 Jan 2018Landmark Court of Appeal ruling is �devastating outcome� for leaseholders, claim.
Thu 18 Jan 2018RLA supports new measures to improve the safety of tenants.
Wed 17 Jan 2018Official figures show rents rising at slowest rate for six years.
Fri 12 Jan 2018Fees Ban 2019 deadline shouldn't lull industry into complacency.
Wed 10 Jan 2018Lettings agency tells MPs to go for fees cap but not outright ban.
Thu 04 Jan 2018New 'national economic crime centre' to tackle money laundering.
Southern Valley - Landlord Evening
Confidence is returning to the housing market, says Zoopla
Abolition of tenancy fees charged by agents gets another step closer: But can ban get more draconian?
Government launching another review of Carbon Monoxide regulations
The Property Ombudsman offers free membership to redress rival's agents
Some landlords struggling with 'complex' BTL legislation
Government must 'support, rather than attack', private landlords, says RLA
Rents remain unchanged across much of the UK
Build To Rent total 'built and planned' surges to 180,000
New scheme will help renters take 'first step on to the property ladder'
Just 4% of tenants and landlords up to speed on MEES - claim
Call for tax reform and 'new business model' for lettings sector
Court case shows agents must be scrupulous in issuing paperwork to tenants
Investors should be 'pouring' money into the buy-to-let sector, says expert
Don't force longer tenancies on rental sector, government told
Average rents climbing in every UK region for first time in two years - claim
20% slump in demand for housing last month, reports NAEA
Landmark Court of Appeal ruling is �devastating outcome� for leaseholders, claim
RLA supports new measures to improve the safety of tenants
Official figures show rents rising at slowest rate for six years
Fees Ban 2019 deadline shouldn't lull industry into complacency
Lettings agency tells MPs to go for fees cap but not outright ban
New 'national economic crime centre' to tackle money laundering
Property investment decisions need to be made with a 'long-term view'
New survey shows rents stable but some landlords selling up
Seismic changes for lettings industry in 2018, predicts ARLA chief
ARLA comes out against government-controlled Client Money Protection
Mystery surrounds 'longer tenancies' consultation announced in Budget
Client Money Protection could make lettings 'most transparent ever'
Agents asked to give their views to government committee on fees ban
BTL mortgage market strong despite recent regulation changes
House prices hit new record high as supply stays weak
Fees ban Bill brings industry to a �fork in the road�, says ARLA Propertymark
Lettings fee ban unlikely by next April but legislation coming �very shortly�
Make CMP mandatory on agents 'at the earliest opportunity' government told
MPs today debate whether rent should contribute to credit scores
Industry welcomes government call for greater lettings regulation
'Deposit Passports' won't change key rental problems, warns agent
RICS says lettings market looks subdued in the near-term
New blacklist will be a 'valuable tool in protecting tenants'
Stamp duty reform at heart of NAEA's ideas for next month's Budget
UK government urged to follow Scotland's lead to reduce rent arrears
Minimise conflicts by educating landlords and tenants, says expert
Letting agents welcome government's pledge to 'regulate' the PRS
Treasury told: 'Reform Capital Gains Tax to help lettings sector'
Agents urged to get behind Gas Safety Week and check appliances
Parliament sets date to consider popular petition on using rent payments for mortgage affordability
Funding available to help landlords install 'vital' energy efficiency improvements
MPs wary of 'unintended consequences' of fees ban
Proposed ban on letting agent fees will drive up rents, says ARLA
Letting fees: MP Kevin Hollinrake initiates Parliamentary debate on ban
Paying rent 'in full and on time' should boost a tenant's credit score, says RLA
Rising rents becoming unaffordable to people on average pay, says trade union
Market being hurt by low stock, political uncertainty and tax - RICS
New Data Protection Bill �could be death knell for smaller businesses�, warning
Renting becomes cheaper than buying, particularly in the South East
How to protect your home while your tenants are on holiday
Another lender tightens rules for investors with four or more buy to lets
Government tells trade body - new EPC rules will come in next April
One month tenancy deposit cap is 'just the first step'
Plans to cap tenancy deposits will have major implications for tenants
Industry reacts as Queen�s Speech reveals lettings fee ban beyond original proposals
Right to Rent could impact British citizens without passports
Propertymark chiefs say there should be a 'radical' new Housing Bill in Queen's Speech
Industry reacts to appointment of new housing minister
Quarter of households to be private renters by 2021
Amax are shortlisted for two ARMA ACE Awards!!!
Research reveals exactly why tenants lose all or part of their deposits
Over a quarter of landlords experienced rent arrears in last 12 months
Most tenants want an 'engaged and empowered landlord', says online agent
Credit agencies have revealed exactly how a tenant check affects a credit report.
A well-served BTL market is needed to 'support' those unable to buy property
Stamp duty reform can win over voters, says UK's largest independent
Praise for Nationwide's crackdown on leasehold mortgage conditions
Lender announces crackdown on mortgages for leaseholds
Another council demands every HMO in its patch be licensed
Fair Fees Forum calls for compulsory registration of all letting agents
New Money Laundering Regulations: First the bad news � more red tape
Sellers �could sue online agents for breach of fiduciary care�, says barrister
It�s mortgage war: Lender launches cheapest loan on record in the UK
Consultation of letting fees ban in disarray after election called
�Missed generation� of first-time buyers still hopeful of getting on the property ladder
Snap! Politics put property market on hold for third summer in a row
Henry Pryor in dramatic Twitter bust-up over 'Tenant Tax'
Agents beware: new campaign to catch those ignoring law on fees
Landlords told: 'Use letting agents, don't rely on listings websites'
Can you afford to ignore the Affordable Warmth Scheme?
Chancellor fails to deliver for buy-to-let landlords
*FREE* Landlord Seminar - Property Legislation
New guide to leaseholds is published to help consumers
Survey reveals tenants' shocking lack of knowledge about renting
Can commercial mortgages help sidestep buy to let tax changes?
Spike in demand for rental accommodation says ARLA
Why buy-to-let is still going strong
Fees ban 'highlights need for professional inventories' - claim
Property prices ended 2016 at �219,544, according to Land Registry figures.
TPO spells out when pre-contract deposits may be acceptable
Rightmove to give NAEA and ARLA market info and regulatory news
Budget 2017: The NLA issues its wish list for Philip Hammond
Letting agents� fees ban: Industry bodies continue their fight
What does 2017 have in store for the BTL mortgage market?
Housing crisis being fuelled by Stamp Duty, claims property firm boss
Good news - cheap mortgage deals likely to remain in place
Fees ban - timetable suggests it won't be in place until 2018
First-ever apprenticeship in property management takes shape
Housing minister Barwell to face questions from estate agents
More landlords opt for higher yielding HMO conversions
Agents' call for stamp duty reform backed by business chiefs
Renting may be financially more worthwhile than previously thought
Buy-to-let: hotspots for 2017 revealed
Another big rise in company applications for buy to let mortgages
Planning approvals at a ten-year high, say house builders
Landlords are 'continuing to see strong yield levels and rents are increasing'
A good relationship with tenants is a must
Expert advice to agents and landlords over carbon monoxide alarms
Refurbishing a property – the dos and don'ts
Right To Rent criminal sanctions come into effect from today
Good lettings news at last - buy to let mortgages are cheaper
Minimum energy efficiency standards for rented properties – are you prepared?
Market confidence high in southern England but less so elsewhere
Sharp rise in British expats seeking to invest in UK property
Twitter debate tomorrow to inform agents on S21 regulations
Vote of confidence for buy to let despite Brexit uncertainties
**Newsflash** Amax Estates Acquire Home From Home
Most landlords want to see compulsory CMP for letting agents
Buy-to-let 'remains resilient' despite tax changes
Rental market records regional growth
ARLA slams �secret� database of rogue letting agents and landlords
Surge in buy to let mortgages despite stamp duty turmoil
"We need another 1.8m homes to rent by 2025" claims RICS
Government pledges "substantial" house building ideas by Christmas
The Property Ombudsman scheme (TPO) has announced that it will be issuing updated versions of all its Codes of Practice on October 1.
Landlords benefit from favourable buy-to-let mortgage deals
Developer welcomes housing minister's call for greater investment in PRS
Record rise of over 10% in deposits protected in England and Wales
Lender will consider mortgage applications from 80-year-olds
Landlords say that referencing tenants tops their list when choosing letting agent
Fixflo to join Mayor of London on trade mission to America
Rental market in good shape, say ARLA agents
Momentum for mandatory Client Money Protection - now ARLA says yes
Industry groups firmly behind call for mandatory Client Money Protection
Buyers now have over 23,000 mortgage products to choose from
Build To Rent sector beating Brexit uncertainty says Legal & General chief
ARLA calls for Government to provide certainty that housing is priority
Mortgage deals for buyers "substantially better" than earlier this year
ARLA wants housing minister to make Client Money Protection mandatory
Industry group welcomes House of Lords' swipe at Build To Rent
Post referendum property market in line with usual seasonal trends, says Rightmove
All eyes on Bank of England as it considers base rate move today
No change - Bank of England base rate stays at 0.5% for now
Almost half of buyers decide to go ahead within five minutes
New presidents at helms of NAEA and ARLA
Reasons NOT to use an online agent
On a knife�s edge � how landlords view next week�s EU poll
House movers stay surprisingly close to home
Time to head for Brexit: Let�s stop the scaremongering says Spicerhaart boss
A landmark court ruling against the West Bromwich building society has come down in favour of buy to let investors.
The Property Ombudsman sees 14 per cent surge in lettings agent members
Call for urgent judicial review into leasehold extensions after tribunal decision
Part 2: Essential guide to the new Immigration Act
Essential legal update for agents: Right to Rent checks
Massive increase in mortgage loans - and not only for buy to let
Quarter of young people unaware of government schemes to help first-time buyers
NAEA welcomes anti-money laundering 'beneficial ownership' clampdown
Property licensing debate to be held on Twitter today
Government considering making gazumping illegal
Are developers 'downsizing' flats to appeal to buy to let investors?
Rise in private rental stock more than triples increase in owner-occupier homes
Mortgage lending up 64% in a year, say banks
Sales to first-time buyers bounce up, says NAEA
Suspended sentence, curfew, tags and costs for ignoring gas safety
House prices rising at their fastest rate for 12 years
Right To Rent guidance: government set to announce changes says trade body
When some children went on their very own viewing
Rightmove reports 1.3% leap in new asking prices over last month
Private rents will rise to pay for Osborne tax changes, trade body warns
Annual house price inflation dips to 7.6% according to government figures
Buy-to-let mortgage rates fall to record lows
More rental properties flood market as landlords start letting new purchases
Always use agents, says tenant scammed by fake landlord
Buyer demand at a 12-year high, says NAEA
New scheme will use rent payments to contribute to tenants' credit scores
Average house prices spike at record high in England
Zoopla introduces 'running costs' tool to emphasise consumer focus.
Budget: Further tax details expected as stamp duty takes centre stage
Third of landlords still unaware of industry tax changes
Largest Auctioneer Issues Record Results
England's Happiest Places for Tenants
Training Tailored for Landlords
Tenants more confident about buying their own homes
Third of landlords stressed by 'troublesome tenants'
Current buy to let changes won't help first time buyer


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- All
- God
- The Nature of God
- God's Wrath
- The Providence of God
- Miracles
- Jesus Christ
- The Person of Christ
- The Work of Christ
- The Nature of the Atonement
- The Resurrection of Christ
- The Ascension and Exaltation of Christ
- Revelation
- Creation
- Sin
- Salvation
- The Gospel
- Regeneration
- Faith and Repentance
- Justification
- Sanctification
- Reformed Theology
- Total Depravity
- Unconditional Election
- Irresistible Grace
- Perseverance of the Saints
- Covenant Theology
- Theological Views
- Roman Catholicism
- Ethics
- Christianity and Culture
- Law and Gospel
- The New Testament
- New Testament Books
- The Gospels
- Practical Theology
- Spiritual Growth
- Endurance
- Fellowship
- Knowing God's Will
- Prayer
- Godliness
- Hope
- Suffering
- Marriage and Family
- The Church
- Practical Controversies
- Politics
- Spiritual Gifts
Bread from Heaven
Dr. Sproul starts this section expounding on Jesus' walking on the water with an investigation into the phrase "I am" in Greek ego eimi. When Jesus is found on the other side of the sea a discussion starts concerning why they seek Him. Dr. Sproul starts the discussion concerning food … Listen
Bread of Life
Dr. Sproul continues unpacking the meaning behind Jesus' statements with a detailed discussion of the Son's relationship with the Father and how the Father honors the Son. Verse 44 becomes the focal point of this message with a discussion of the exclusivity of the phrase "no one can come to … Listen
Hard Sayings
Jesus' description of Himself as the bread of life causes arguments among the Jews. Jesus continues and now discusses His flesh as food and His blood as drink and as a requirement for eternal life. After Dr. Sproul comments on that section he brings up the subject of the Spirit … Listen
Dr. Sproul points out in this section that John's parenthetical comment that "even His brothers did not believe Him" shows that living with Jesus, they had not come to faith yet. This text obviously mitigates against the perpetual virginity of Mary. We find out that His brothers were looking for … Listen
Christ - The Scholar
Jesus starts teaching in the temple midway through the feast and the Jews are asking for His credentials much as we would ask for a Dr. to present his credentials. Jesus responds indicating His doctrine was not His invention, but that it came from another source. Dr. Sproul discusses what … Listen
Who Is This Man?
At the start of this section the priests send officers to arrest Jesus for a trial. Jesus responds cryptically of where He goes, but then the scene jumps to the last day of the feast where Jesus spoke to the masses of an offer of "living water." Dr. Sproul then … Listen
The Woman Caught in Adultery
Dr. Sproul discusses this section of scripture since its validity has been questioned. He discusses textual criticism and how it is applied to the text. Dr. Sproul then proceeds to review the story of the woman caught in adultery. When Jesus was challenged with this issue, Dr Sproul points out … Listen
Jesus' Self-Witness
Jesus starts this section with another "I am" statement by declaring "I am the light of the world", which the Pharisees responded that He bears witness of Himself and therefore His witness is not true. Dr. Sproul investigates Jesus response that has several reasons why His witness is true and … Listen
Abraham & Freedom
Dr. Sproul explains that there is enough material to write a book packed into Jesus' statement that "If you abide in My word, you are my Disciples indeed. And you shall know the truth and the truth shall make you free." After investigating this statement, Dr. Sproul considers the complaint … Listen
Man Born Blind (Part 1)
We tend to think or believe suffering being is caused by sin and Jesus disciples are no different when they asked about the man being born blind was due to the sin of the man or his parents. This is the lead in to a significant section by Dr. Sproul … Listen
Man Born Blind (Part 2)
The man that had been blind is brought before the Pharisees and the issue of Jesus doing work is brought up and a disagreement ensues on how can a sinner do such signs and further the man says that Jesus is a prophet. Dr. Sproul discusses these issues and follows … Listen
The Good Shepherd Discourse
When Jesus spoke about thieves and robbers breaking into the sheepfold, people start to associate this with false messiahs or the Devil. Dr. Sproul indicates who these people are in context of what the shepherd is to do. In this section we have another "I am" saying in which He … Listen
The Son of God
The Jewish leaders ask for a plain answer from Jesus and He responds that they do not believe because His sheep hear is voice, they follow and He gives them eternal life and no one can snatch them away and claiming that He and the Father are one. Dr. Sproul … Listen
The Death of Lazarus
In this section Jesus' friend Lazarus is sick and He is asked to come and heal Lazarus, but Jesus delays leaving and Lazarus dies. Jesus goes to the tomb where Lazarus has been in for four days. Dr. Sproul discusses Jesus delay and the ensuing conversation Jesus has with Martha … Listen
The Raising of Lazarus
Dr. Sproul discusses the anger and grief that we go through when a loved on dies and how we start to second guess events and blame others not realizing that God was fully in control. Jesus asked for the stone to be removed and proceeds to command Lazarus to come … Listen
‹ Previous 1 2 3 4 Next ››


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The public-sector pension crisis could help boost the profile of the only other retirement savings vehicle that governments, schools and public hospitals can rely on to help employees save for retirement: the 403(b) defined contribution plan.
Most in the industry, however, will tell you it's a challenge to serve the 403(b) market, particularly that slice of plans that are not subject to the Employee Retirement Income Security Act. On the flip side, they'll also tell you that the market is ripe with potential.
Participation rates in 401(k) plans hover around 70%, while participation rates for 403(b) plans is about 30%, said Chris DeGrassi, executive director of the National Tax Sheltered Accounts Association, a professional association that focuses on the non-ERISA market and small governmental and not-for-profit retirement plans.
"We've certainly seen, with the pressure placed on public employees from the pension side, a need to increase both participation rates and contribution rates [in 403(b) plans]. The way we see it, the demand for investment professionals to engage in and assist in this market has never been higher," he said.
Total 403(b) assets reached a record $750 billion in 2010. Cerulli Associates of Boston predicted that aggregate 403(b) assets would grow steadily to $1.1 trillion by 2016.
The biggest problem with the 403(b) market, insiders say, is that it still isn't the 401(k) market.
Specifically, the 403(b) market is, by its nature, focused on individuals because it is a voluntary, supplemental savings program, DeGrassi said.
Plan sponsors will generally give employees access to numerous 403(b) retirement plan providers, but they don't offer automatic enrollment, auto-escalation or employer matches. Instead, they just manage an employee's pre-tax contributions into their selected 403(b) retirement plan.
Because it is up to employees to choose their own investments and investment provider and because their employers offer no incentive for them to set additional money aside, advisors pursuing the 403(b) market have to be comfortable working "belly-to-belly" with plan participants, he said. In the 401(k) model, of course, advisors give advice at the plan level rather than on a personal level.
"The challenge for an advisor is really finding ways to work with the employer to get access to participants to provide the education and professional services (they need) to get them to participate," DeGrassi said.
That's not only challenge, though. Additionally, advisors in this niche need to determine whether a potential client is covered by ERISA.
According to the Plan Sponsor Council of America's 2013 403(b) Plan Survey, more than 76.3% of respondent plans were ERISA plans; 16.4% were non-ERISA and 7.3% were unsure of their plan's ERISA status.
"There has been an attempt to 'levelize' the services and the way plans are run between the 401(k) and 403(b) marketplace, but I'm not so sure that levelization has been that effective," said Lee Topley, managing director of the retirement plan consulting group at Unified Trust Co.
In most scenarios, school systems and hospitals have multiple providers offering 403(b) plans. Participants pick the provider they want their deferrals to go through. At that point, the plan sponsor wipes its hands of the matter. The relationship is between the service provider and the participant, Topley said.
The Department of Labor would like to see 403(b) plan sponsors held more accountable to their retirement plans.
Non-ERISA plans do not have to file a Form 5500 with the Department of Labor. They are not subject to testing, fiduciary or fee disclosure rules, said Sarah Simoneaux, president of Simoneaux & Stroud Consulting Services in Mandeville, La., a retirement services industry consultant who works with both for-profit and non-profit organizations.
Bruce Ashton, a partner in Drinker Biddle's Employee Benefits & Executive Compensation Practice Group, believes advisors should treat all plans as if they are ERISA plans because it is a "good idea anyway from a good practice standpoint."
That would mean providing plan sponsors with 408(b)2 fee disclosure notices, assisting them with getting providers and helping them with 404(a)5 participant disclosures.
"Even if those disclosures aren't required, in some respects it may be easier for an advisor to help a client do that," Ashton said.
Simoneaux recommends advisors who want to work within the 403(b) space partner with a third-party administrator that knows the market well.
""Fees are higher and there is a lot more work involved with multiple providers and giving financial advice," she said. "(But) if this is what you really want to do, if this is the market you want to be in and you want to tackle the documentation on the non-ERISA side, work with a TPA record-keeper."
As any seasoned advisor knows, if the employer is involved in the 403(b) plan, he or should could be dealing with an ERISA plan. If the plan sponsor can administer loans, certify hardship withdrawals, monitor investments or designates a single provider, there's no question ERISA applies. Colleges fall into this category a lot, Simoneaux said.
Other typical ERISA 403(b) plans include hospitals, nonprofit entities like museums and foundations and private higher-education institutions.
Typical non-ERISA 403(b) plans include K-12 schools, public higher education, governmental 457 plans and churches.
Simoneaux believes that colleges and universities are a good target for advisors wanting to enter the 403(b) marketplace because many haven't shopped their plans in more than a decade.
"Offer to do an ERISA audit with them," she suggested.
Tim Maher, senior vice president and national sales manager for Natixis Global Asset Management, works closely with ERISA 403(b) plans, which he said are beginning to look, smell and act like corporate 401(k) plans.
Advisors in both spaces work with plan sponsors to provide education to participants, put plans in place and structure investment committees. They also are getting more creative in the types of investments available to both plans. Alternatives are becoming more popular, so financial advisors are helping plan sponsors put together more custom portfolios.
The bottom line? As many public-sector and nonprofit organizations look to move away from defined benefit pension plans, "there could be significant opportunities in the 403(b) space for advisors because of the sizable pool of assets – if they are willing to put the effort and time commitment to get those rollover dollars into the plan," Unified Trust's Topley said.
Also read:
Investment in 403(b) plans jumped in 2012
LIMRA study explores higher education, health care 403(b) plans


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AboutWebsite | Facebook Page | Email: [email protected]
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The court has made every effort to ensure the accuracy of the information on the Court Calendar,
but certain circumstances may prevent the timely entry of information into the calendar.
A court hearing may still be scheduled even though a search returns no results. For the most
accurate information about court hearings, the public may contact the clerk's office at
(866-220-4381) Omaha or (866-220-4379) Lincoln or https://www.ned.uscourts.gov/email-the-court
This page was last updated 05/31/2020 at 02:43
|United States District Court
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|Brian C. Buescher


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I have a pan made for East coast style hotdog buns. It's like a flat bread with bumps in it the shape of Twinkies. You cut through for individual hotdog buns, like cakes. So each pan makes about 10 hotdog buns.There's also a Chicago hot dog bun pan, which seems like it might be easier.
Then squish a filling inside using a pastry bag. You poke a hole in it and like a surgeon deposit the filling by squeezing the bag while simultaneously withdrawing the fill tip through the puncture with machine like precision.Now that I'm poking around over at Amazon, I'm seeing the Kaiser Bakeware Basic Tinplate Eclair/Lady Finger Pan and this Eclair Baking Pan and realizing that Twinkies are eclairs (with the chocolate frosting). And check out the Norpro 3964 Cream Canoe Pan With Bonus 9 Piece Decorating Set:
But the chocolate cupcakes are better. With the white curly frosting on top of thin chocolate ganache. Those can be improved too.
The filling. It's like a whipped cream foam. Lemon custard would be better, or banana. But if you're stuck on white foam then real whipped cream. Or you could jab the can of spray whipped cream in there but then you couldn't control the flavor of it.
Old fashioned cream canoes and traditional French eclairs are simple to make with Norpro's Cream Canoe Pan. Featuring durable heavy gauge construction, the pan has 8 elongated cups that are the perfect shape for baking eclairs or cream filled sponge cakes - homemade Twinkies, anyone?Cream canoes! I Google that term and come up with a recipe for "twinkling good vanilla snack cakes" made in your "a filled cake pan (aka cream canoe pan)." The fall of Hostess is a wake-up call: Get twinkling!
ADDED: You can still buy Tastykake Butterscotch Krimpets, which is what we ate in Delaware in the 1950s and 60s. And here are the Tastykake cream-filled cupcakes, which I think you might find similar to the Hostess cupcakes. No white curlicue on top, but I think you might find they taste better.


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© 2020 Billings Association of REALTORS(r), Inc. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes from Billings Association of REALTORS(r), Inc. and the Broker Reciprocity Program.sm. Real estate listings held by brokerage firms other than Heavenly Homes, Inc. are marked with the BR logo and detailed information about them includes the name of the listing brokers. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. Information last updated on 2020-05-29 17:30:08.


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The Dolores School Board of Education voted unanimously Tuesday night to spend $8,000 on a school resource officer who will be stationed at the schools.
The officer will likely start as early as next week and is part of a partnership with the Montezuma County Sheriff's Office.
The partnership, which included a matching $8,000 from the Montezuma County Sheriff's Office will put a full-time school resource officer on the school campus, which includes the elementary, middle and high schools, for the rest of the year.
Dolores School District Superintendent Scott Cooper told the board that they would revisit the idea of the school resource officer before the beginning of the next school year and decide if the officer's presence will continue.
"It's an incredible deal," Cooper told the school board Tuesday night in front of a standing room only crowd at the district office.
School safety has been on everyone's mind following the shootings at Sandy Hook Elementary School late last year.
"We want them on campus as much as possible," Cooper said. "My hope is to have a great sense of security."
The Dolores schools have had a school resource officer before, a position that was eliminated shortly after Montezuma County Sheriff Dennis Spruell took office in 2011.
Board president Allan Thayer said he was in favor of an officer's return.
"I like the idea myself," he said. "A presence of an officer makes them not afraid."
In addition to providing security, the school resource officer, could teach safety classes to students.
The officer is not known yet, Cooper said, but Spruell indicated that someone could be placed at the schools very soon.
Also on the school safety front, Cooper told the Star that the Montezuma County Sheriff's Office donated four bullet-proof vests to the school district. Every five years, officers retire their vests, so they were donated to the school district.
Cooper said he will keep a vest in his office, in addition to vests being kept in the principals' offices.
"If we go into a critical situation, we can put them on," Cooper said. "The idea is as a principal, they can try to take a shooter down and in the meantime could get shot."
Cooper said the vests were offered to the school district by the sheriff's office.
"It is a no-cost safety tool," he said. "I don't know if we will remember to put them on in case of emergency, but we are glad to have them."


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WASHINGTON — Yo-Yo Ma played his 300-year-old cello for eight of the nine Supreme Court justices.
Ma entertained Wednesday at the court's annual spring musical concert in an ornate conference room beneath portraits of Chief Justices Warren Burger and William Rehnquist.
Ma played pieces by Bach and John Williams, as well as a Catalan folk song that he said was a favorite of famed Spanish cellist Pablo Casals. Ma performed on a 1712 Davidoff Stradivarius cello.
The current chief justice and Ma were classmates at Harvard in the 1970s. Chief Justice John Roberts jokingly said they had much in common, including that neither took Music 101 in college.
Clarence Thomas was the only justice absent.


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Western Front Forum
Dedicated to Australia's metal music scene
Welcome to the Western Front message board
Currently ironing out some bugs with the links being sent from the board in emails.
If you need your password reset the url in the email will not work, but you can contact me directly via the Contact Us menu above.
Thanks for bearing with us.
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Brenner Children's pediatric emergency department has moved back to its original location. Learn more
In order to help protect patients, family members and health care workers from the spread of COVID-19, no visitors are allowed at any of Wake Forest Baptist Health's outpatient or inpatient facilities, except in certain situations.Learn moreMore COVID-19 Updates
Turner syndrome, a medical disorder that affects about 1 in every 2,500 girls, is a genetic condition in which a female does not have the usual pair of two X chromosomes. Girls who have this condition usually are shorter than average and infertile due to early loss of ovarian function.
Turner syndrome (TS) was first described in 1938 by Dr. Henry Turner, an endocrinologist, who noted a set of common physical features in some of his female patients. It is the result of a chromosomal abnormality in which a female infant is born with only one X chromosome (instead of two) or is missing part of one X chromosome.
In most cases, untreated females with this disorder are short in stature (average final adult height is 4 feet 7 inches) and may have a variety of related physical features and medical problems.
Because females with TS don't have proper ovarian development, they usually don't develop all of the secondary sexual characteristics (the physical changes or features that usually develop at puberty) during adolescence and are infertile (the inability to become pregnant) as adults. However, advances in medical technology, including hormonal therapy and in vitro fertilization, can help women with this condition.
Other health problems that may happen with TS include kidney and heart abnormalities, high blood pressure, obesity, diabetes mellitus, vision problems, thyroid problems, and abnormal bone development.
Girls with TS usually have normal intelligence, but some may experience learning difficulties, particularly in mathematics. Many also have a problem with tasks requiring spatial skills, such as map reading or visual organization. Hearing problems are also more common in girls with Turner syndrome.
Although they aren't at increased risk for psychological problems, some girls do have problems with body image or self-esteem and some also might be hyperactive.
Despite these physical differences and other problems, with appropriate medical care, early intervention, and ongoing support, a girl with Turner syndrome can lead a normal, healthy, and productive life.
During a physical examination, a doctor may look for certain physical features of Turner syndrome, which can include:
Girls with TS can vary widely in their characteristics or symptoms. Some have many features or symptoms; others have only a few.
A special blood test that looks at chromosomes — a karyotype — is used to diagnose Turner syndrome. Several physical characteristics may be noted at birth, which can alert a doctor to the possibility of TS and prompt him or her to order a karyotype. Results that indicate Turner syndrome show 45 chromosomes instead of the normal 46. In some girls with TS, two X chromosomes are present, but one is misshapen or missing a piece.
Because TS is a chromosomal disorder, there's no cure for the condition. However, a number of treatments can help:
Most girls with Turner syndrome have normal intelligence. However, some have learning problems, and early consultation with a developmental pediatrician may help them.
Girls with TS can be screened to determine whether cognitive problems may affect their education. Also, a special set of tests (called psychoeducational evaluation) can identify specific problems. A girl's doctor can help determine whether this testing is appropriate for her.
The Turner Syndrome Society of the United States stresses the importance of assessing a girl's intellectual, learning, motor skills, and social maturity before enrolling her in kindergarten. If learning problems are identified, early preventive and intervention strategies, if needed, can help.
Although your daughter may have specific medical problems and different physical characteristics due to Turner syndrome, you can do many things to help her develop daily living skills and cope with new or challenging situations. Note: height-related issues may be less important to girls who have improved growth with growth hormone treatment.
Remember that although Turner syndrome can affect your daughter in many ways, it's only a small part of her total physical, emotional, and intellectual being.
Don't hesitate to enlist the help of her doctor, developmental pediatrician, or other medical specialists and mental health professionals. And don't let your daughter's diagnosis or medical problems define who she is.
Reviewed by: Elana Pearl Ben-Joseph, MD
Date reviewed: October 2014
Originally reviewed by: Judith Ross, MD
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