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NEW YORK | It's a measure of how long ago President John F. Kennedy died that, at the time, television was described as a young medium. With the shooting in Dallas, TV grew up. Coverage that November weekend 50 years ago signaled, at last, that television could fulfill its grand promise. It could be "more than wires and lights in a box," in the words of newsman Edward R. Murrow, and not just the "vast wasteland" that Federal Communications Commission chairman Newton Minow had branded it just two years before.
NEW YORK | It's a measure of how long ago President John F. Kennedy died that, at the time, television was described as a young medium. With the shooting in Dallas, TV grew up.
Coverage that November weekend 50 years ago signaled, at last, that television could fulfill its grand promise. It could be "more than wires and lights in a box," in the words of newsman Edward R. Murrow, and not just the "vast wasteland" that Federal Communications Commission chairman Newton Minow had branded it just two years before.
Rising to an unprecedented challenge, television could perform an incalculable public service. It could hold the country together: Americans convened in a video vigil, gathering before an electronic hearth. Nonstop broadcasts by America's three networks provided a sense of unity, a chance to grieve together, a startling closeness to distant events.
And television, exhaustively chronicling the murder, memorial and burial, gave viewers the final scenes of a political career ushered in almost in tandem with the video age.
In life and especially in death, John F. Kennedy changed television forever.
TV in its infancy
Back in 1956, TV in its infancy had introduced many Americans to the young politician as he made an unsuccessful bid for the Democratic vice presidential nomination.
Four years later, he was running for the presidency, with TV joining him on the campaign trail.
His landmark televised debates with Republican nominee Richard Nixon helped seal the deal. Some 70 million Americans watched the first debate, with the telegenic Kennedy deemed the clear winner. Televised debates would become staples of future presidential campaigns.
Once in office, Kennedy and the growing medium of television (households owning a TV had soared to 46.9 million in 1960 from 9.8 million a decade earlier, according to Nielsen) created further indelible images.
His inaugural address in 1961 was seen by millions as he urged Americans to "ask not what your country can do for you...." He charmed viewers with his televised press conferences, which were candid, off-the-cuff and sometimes talk-show-host witty.
Once, a newsman asked Kennedy if, given the burdens of the presidency, he enjoyed the job — and would he recommend it to others?
"The answer to the first is yes, and the second is no," he quipped, his face crinkled in a grin. "I don't recommend it to others — at least, for a while."
Viewers loved his wife, Jackie, too. In February 1962, all three networks — CBS, NBC and ABC — aired her tour of the newly restored White House. More than 80 million Americans tuned in.
"Television brought John Kennedy and his family into America's living rooms as had been the case with no president before," sums up historian Robert Caro, whose books include a multi-volume biography of Kennedy successor Lyndon Johnson.
Then, on Nov. 22, 1963, and in the days that followed, TV devoted itself to an all-
consuming national tragedy.
"Television intensified all the emotions of those four days. It intensified the shock and horror of the murder, and then the murder of the murderer," Caro says, referring to Lee Harvey Oswald's slaying. "It intensified the grief and the mourning and the mystery. And it intensified the healing process of the funeral ceremonies."
But TV also assisted with a seldom-recognized part of the transition process, Caro adds: It reintroduced a man who for three years toiled in the margins — Johnson, Kennedy's vice president — as he was summoned to command at a crisis point of trauma and alarm.
Says Caro, "You have to recognize the relationship of television not only to the dead president, but also to the new president taking over — his reassuring, calming effect on the public because of his demeanor."
Johnson's demeanor was first on display just hours after the assassination as he arrived from Dallas at Andrews Air Force Base in Washington on Air Force One, accompanying the casket and Mrs. Kennedy, still in her bloodstained pink suit.
Clustered nearby were some 50 members of the media, including NBC News correspondent Robert Abernethy, whose primary memory is how "eerily quiet" it was as they waited.
"The reporters and crews, nobody said much — or could say much," recalls Abernethy, now 85 and still busy as the host of "Religion & Ethics Newsweekly" on PBS.
He and his counterparts from the other networks offered spare commentary on the sad scene as the newly sworn-in Johnson stepped to the forest of microphones and, striking just the right blend of resolve and humility, told the nation, "I will do my best. That is all I can do. I ask for your help, and God's."
This was one of so many unforgettable moments that had begun, for many viewers, with the stark on-screen message "CBS News Bulletin" as the voice of anchor Walter Cronkite had cut into the lunch-hour soap "As the World Turns."
"President Kennedy has been the victim of an assassin's bullet in Dallas, Texas," Cronkite reported. "It is not known as yet whether the president survived ..."
All too soon, Cronkite, by then on camera with his eyes moist and voice choking, made his memorable pronouncement that Kennedy had died.
"We began dispatching people in all directions," CBS News Washington bureau chief William Small says. "We sent one remote to the White House, one to the Hill. We didn't have a third, so we improvised: We took a Greenbrier station wagon and put the guts of a remote (a camera and other equipment) in it and headed it toward Lyndon Johnson's house."
Like many others in command roles, Small didn't leave the bureau for the next four days, "from the shooting to the burial."
"When I finally got home," he said, "I asked my wife, 'What was it like?' She said, 'There was no one on the streets. Everyone was watching television.' "
Never before had the public been privy to such a seismic event beyond their own experience delivered with such you-are-there thoroughness and immediacy.
The three networks threw out regular programming and suspended commercials for blanket coverage of unfolding events in Dallas, Washington and elsewhere from Friday through Monday, a span of consecutive TV coverage not exceeded until September 2001.
And the nation was transfixed. Following the White House confirmation of Kennedy's death, nearly half of all the country's TV homes were in use. A few hours later, nearly two-thirds of all TV homes were tuned in. And on Monday afternoon, during the funeral coverage, viewers in 81 percent of the nation's homes had their eyes glued to the screen, according to Nielsen.
A changing world
This upended a world where people still got most of their news from print, when newsreels still accompanied the features at movie theaters.
"It was the coming of age of television news," says Dan Rather, who was in Dallas to coordinate CBS' coverage of a political visit by the president that was expected to produce little actual news.
At the instant Kennedy was shot, Rather was standing nearby on what was meant to be the presidential motorcade route's last stop, where cameramen would hand off film for Rather to rush to the lab for processing.
Though he didn't witness the shooting, the future CBS anchor saw the president's limousine rush by and it "seemed to be heading in the wrong direction," Rather says. "When I got over the overpass to the grassy knoll, I knew what had happened was really bad. That scene of chaos, confusion and fear in front of the textbook depository is as vivid to me today as the day I experienced it."
ABC News' Bob Clark was riding in the press car of the motorcade as one of the pool reporters.
"Oswald was shooting directly over the press car. We heard the shots," Clark recalls. "Then our car raced off, following the president's car to the hospital, not having any idea what was going on."
At Parkland Memorial Hospital, it was immediately clear Kennedy had been gravely injured.
"The president was lying in the backseat of the limousine," Clark reported in his first phone dispatch, "his head cradled in the first lady's lap. At this stage there was no official word as to whether Mr. Kennedy was still alive. But he lay motionless on the backseat of the car for some two minutes while a stretcher was wheeled out from the hospital."
The visual that viewers saw during Clark's account wasn't Clark, but the seal of the president of the United States. This, of course, was an age before digital technology, portable video and all but the most cursory satellite transmission. The relative primitiveness of the available tools becomes a further testament to the networks' achievement.
For example, the cameras used for live transmission were full-size rigs, "and we only had a limited number of them," Small says. This posed a particular challenge in covering the funeral procession in Washington.
After the funeral at St. Matthew's Cathedral, Kennedy's flag-draped coffin was carried on a horse-drawn caisson the several miles to Arlington National Cemetery, where he would be buried. TV covered the somber passage every foot of the way.
"We enlisted every correspondent we had," Small recalls. And as the caisson moved past each camera position, that camera crew would leapfrog down the line beyond the next camera. "Some cameras were in four positions during the day," Small says.
TV's funeral coverage, even viewed today, seems perfectly suited to the occasion. It was meditative and dignified. Telecast in black-and-white (as most TV still was), the somber monochrome seems fitting as it captured Kennedy's flag-draped coffin in the Capitol Rotunda, the riderless horse, the veiled widow with her 3-year-old son in a salute, the eternal flame at the gravesite.
These sights gave the viewer a chance to absorb, and mourn, the enormity of what had taken place.
And yet, they came just a day after an awful counterpoint: Oswald's on-screen shooting.
It occurred during a photo op where the media could glimpse the accused assassin as he was transferred from city police custody to the county jail. NBC was on the air live when nightclub owner Jack Ruby lunged for Oswald, who, flanked by deputies, was cut down at point-blank range.
Never before had a real-life homicide aired live on TV.
"He's been shot, Lee Oswald has been shot!" NBC correspondent Tom Pettit erupted. "It's absolute panic here in the basement of Dallas Police headquarters."
The other two networks had missed airing the murder live, but CBS brought a pioneering dimension to the murder scene. Within two hours, it had engineered what was likely a first for TV news: a film playback of the shooting in slow motion and freeze-frame.
Kennedy's shooting two days earlier had not been aired live. But it was captured on film by a spectator, Abraham Zapruder, with his 8mm movie camera.
Then, amazingly, this unique visual record did not air for more than a decade. In 1963, the images seemed too disturbing for the public to behold — and 50 years later, the 486 frames continue to horrify, even as they have fueled conflicting theories of who, and how many, fired the shots.
Nowadays, the idea that the president's every public minute could evade documenting by professional media — not to mention scores of ordinary onlookers and self-styled citizen journalists — seems inconceivable.
"In today's world," says Rather, "you would have had cameras all over the place, and it would have been very difficult not to have pictures of the limousine with the president slumped over" — that is, video from every angle showing the killing in high-def detail, repeatedly broadcast and viewable on YouTube.
Rather draws a cautionary picture of such a murder covered in today's hopped-up media environment, with many rival channels digging for details while voicing on-the-fly theories of what had happened and who might be behind it.
The atmosphere of necessary restraint 50 years ago "may have worked to the country's advantage," Rather says. "The information the nation needed came in due course as it made its peaceful transition of power at the top."
To argue for restraint can be heresy in journalistic circles, but even that weekend traumatized Americans were conflicted about the information coming to them via TV.
"The viewing ordeal was almost uncannily strange," wrote The New York Times' TV writer Jack Gould, describing "a battle within one's self not to hear more and an uncontrollable hunger to obtain additional information." Meanwhile, viewers and broadcasters grappled with "an inclination to think about what the future may hold and an embarrassed realization that it was much too soon to do so."
A half-century later, this is a struggle that TV, along with its audience, still grapples with.

subset: commoncrawl


text:
海外网1月4日电 两名格鲁吉亚职业拳击手在巴黎大区塞纳-圣但尼省的罗尼丛林市和伊夫林省的韦利济市接连盗窃两家苹果手机专卖店(Apple Store),当地时间2日被判处6个月缓刑。
Overseas, Jan. 4 (Xinhua) - two Georgian professional boxers were sentenced to six months" probation on Tuesday for stealing two apple stores in Ronnie jungle, senna Saint Denis, and velizi, Evelyn, Paris.
On December 30 last year, two Georgian men, Ambrose and Belka, aged 31 and 32, came to the apple mobile phone store in the velizi shopping center. Belka was in charge of watching the wind. Ambrose secretly included Apple brand accessories such as touchpad, stylus and mouse into his coat pocket, the Parisian reported. The two people"s misdemeanor was found by the store"s security guard, and was intercepted and transferred to the traffic police on the spot.
Police investigators seized another batch of stolen items from an apple store in the city of Ronnie jungle, worth more than 1000 euros. When they were interrogated, they initially lied that they had bought the goods from Germany, but later confessed that they had been stolen. Belka said he didn"t know why his brother stole them. "Maybe he wanted to give them to the girls, maybe he wanted to use them for himself, but I shouldn"t drive him to those stores."
On 2 this month, two defendants were tried at the Versailles court in Evelyn province. Ambrose confessed to his shame in the dock. "This is the first time I"ve done this. I"m a professional athlete. I have to take part in the boxing match in Georgia at the end of the month. I often go to Europe to play. I"m very ashamed of this."
It is reported that Ambrose is a medium heavyweight boxer who has played 27 professional games; Belka has participated in 14 time trials in his 10-year career. Ambrose said he had a career contract but earned only $500 a month. Apart from their careers as boxers, they also run a car business in Georgia. This time, they visited the European market. Before coming to France, they also visited the Netherlands and Belgium.
Defence lawyers for the two defendants said that their clients were committed to boxing, that the two cases were not organized gang crimes, but rather accidents during travel. In view of the fact that the two defendants are not at the bottom of the case, the prosecutor"s office also hopes to deal with them more leniently. The judge finally sentenced the defendant to six months" probation. (overseas - Paris - Lujia)


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|General Information
|Other names
|Lórinand, Lindórinand, Dwimordene, Laurelindórenan, Hidden Land
|Bordering Misty Mountains centered between Gladden River and Fangorn Forest.[1]
|Golden wood with mallorn trees.
|People and History
|(Sindarin/Noldorin/Telerin leadership), Silvan.
|Battle of Lórien.
|Images of Lothlórien
- "O Lórien! The Winter comes, the bare and leafless Day;
The leaves are falling in the stream, the River flows away.
O Lórien! Too long I have dwelt upon this Hither Shore
And in a fading crown have twined the golden elanor."
- ― Galadriel, Farewell to Lórien
Lothlórien was a kingdom of Silvan Elves on the eastern side of the Hithaeglir. It was considered one of the most beautiful and "elvish" places in Middle-earth during the Third Age, and had the only mallorn-trees east of the sea.
First Settlers
The first inhabitants of the forested area later known as Lórien were a group of Nandor that refused to cross the Hithaeglir.[2] Lórien was probably one of their scattered settlements in the area. Later, however, as the power of the Longbeards of Moria grew, they relocated to the eastern side of the Anduin, across the Nimrodel. The land in which they dwelt (the forest east of the Hithaeglir, above Fangorn and below Mirkwood) became known in the Silvan tongue as Lórinand, or Laurelindórenan.
The Sindarin Dynasty
After the War of Wrath, Sindar came from the deluge of Beleriand in the West. Their migration was a great boost to the power and culture of the Nandor. Their language was replaced by Sindarin. The arrival of the Sinda Amdír affected the Nandor of Laurelindórenan. He took over as their King, while another Sinda, Oropher, became king of Greenwood the Great.[3]
Celeborn, a Sindarin elf, dwelt with his Noldorin wife Galadriel in Eregion. They made contact with the Nandor of Lórinand, and before long they passed through Moria and arrived in the woods. After the Fall of Eregion and the death of Celebrimbor, Nenya, one of the Three Rings of the Elves, was delivered to Galadriel.[4]
As Sauron's power grew over the Westlands, King Amdír marshaled the Elves of Lórinand to the War of the Last Alliance. His division was cut off from the main body during the Battle of Dagorlad and many of the Nandor went down into the Dead Marshes with their King.[3]
The survivors of the battle, which included Amdír's son Amroth, returned to Lórinand. Amroth was the new King, but he was tired of Middle-earth, and wished to go West and seek Valinor. When Moria fell to evil in T.A. 1981, many of the Lórinand elves fled south. Around that time Amroth departed to Edhellond with his beloved, Nimrodel. The Nandor never saw either of them again.[5]
The Lord and LadyLord and Lady of Galadhrim, the common Sindarin name for Lórinand.[4] With Nenya, the land was kept pure and alive, and evil was not permitted to penetrate it. They moved back to the western side of Anduin, and built Caras Galadhon, the great center of the woodland kingdom. There Galadriel planted the seeds of the mallorn trees that was given to her by Gil-galad when she lived in Lindon, where they couldn't grow. Lothlórien was filled with light and life, and became beautiful. By the power of the Elven Ring the trees did not die.
Under the Lord and Lady, Lothlórien prospered for more than a thousand years as time passed without decay under the golden boughs. Celeborn and Galadriel produced a daughter, Celebrían who married Elrond, and their granddaughter Arwen Undómiel was considered the fairest of the elven race at that time.
War of the Ring
But as the Third Age began to grope for its culmination, troubles at last began to touch the Valley of Singing Gold. As the shadow of Sauron lengthened, and the War of the Ring raged, Lórien received the remnant of the Fellowship of the Ring, a group of travelers on a quest of immeasurable importance. The border-wardens came across them. Among the company were Aragorn, a prince of the Dúnedain and a friend of the Lady, as well as Legolas of Mirkwood. The only reservation the border-wardens had about them was the dwarf, Gimli.[6] The Fellowship were led in blindfolded for a time, but at Galadriel's word they were taken to Caras Galadhon on 17 January, T.A. 3019, and their blindfolds were released.[7]
There the Elves learned of the death of Gandalf, and Galadriel knew what evil had been brought into the Golden Wood. She revealed her own ring to Frodo, and showed him her mirror.[8] Then the Fellowship was furnished with new supplies, and sent off down Anduin, bearing the gifts of the Lord and Lady.[9]
But the coming of the Ring of Power was only the beginning of their troubles. The very night the Fellowship arrived, a band of Orcs crossed the Nimrodel. A regiment or so of Nandor were sent out, and destroyed the Orcs. But they were only the heralds of greater conflicts that were to occur. Sauron unleashed his Rhovanion Campaign, which involved massive attacks on the Golden Wood.
On 11 March, Orcs from Dol Guldur swarmed into the forest in a full-scale assault. By the power of the Wood-elves and Galadriel's ring, they were repulsed. The second wave came on 15 March, at the same time as the invasion of Mirkwood. Again, the Orcs were forced out. The third and last attack was made seven days later, 22 March. They caused much destruction, but Celeborn led the Nandor in a great counterattack that routed them utterly. Boats were made, and the armies of Lórien crossed the Anduin. They stormed Dol Guldur (the Nazgûl being absent in the war to the south), and took it. Galadriel threw down its walls, and Mirkwood was cleansed. The southern part of Mirkwood fell into the dominion of Lothlórien, and it was called East Lórien.[7]
Only two-and-a-half years after the War of the Ring, Galadriel, the Lady of Lórien, took ship West to Valinor. Celeborn left to Rivendell several years later, and light departed from Lórien.[10]
The Eastern border of Lothlórien in the southern Eryn Lasgalen became the East Lórien. The Nandor of that land either merged into the Kingdom of Thranduil, or stayed in Lórien to fade and eventually pass away westward.
In the Fourth Age 121, a grief-filled Arwen Undómiel traveled to Lothlórien after Aragorn surrendered his life, surrendering her own life upon Cerin Amroth. "[T]here is her green grave, until the world is changed, and all the days of her life are utterly forgotten..."[11]
Lothlórien, said to mean "Lórien of the Blossom", is a compound of Sindarin loth + Quenya Lórien "?Dream Land"). Treebeard translates the name as "Dreamflower".[12]
Lothlórien was often shortened to Lórien, or the Golden Wood (referring to the golden mallorn trees that grew in that land).[12][13] Other names recorded for the region were:
- Laurelindórenan Q. ("Valley of Singing Gold")
- Lórinand ?N. ("valley of gold")[14]
- Laurenandë Q. "Valley of gold"[14]
- Glornan S. "Valley of gold"[14]
- Nan Laur S. "Valley of gold"[14]
- Lindórinand ?N. "Vale of the Land of the Singers"[14]
- Dwimordene. The name means "haunted valley" in Old English.[15]
Portrayal in Adaptions
1988: J.R.R. Tolkien's War in Middle Earth:
- Lórien is one of the several battlegrounds in this game. The trees are just normal trees.
2001: The Lord of the Rings: The Fellowship of the Ring:
- Lórien was portrayed more as a city of moonshine and soft candlelight, in stark contrast to its brilliant golden appearance (filled with sunshine) in the books.
2002: The Lord of the Rings: The Fellowship of the Ring (video game):
- After defeating the Balrog, the Fellowship enters Lothlórien. There are no missions; stepping towards a ladder triggers the Mirror of Galadriel-scene and continues the game.
2004: The Lord of the Rings: The Battle for Middle-earth:
- In the Good Campaign, Lothlórien (along with the Fellowship) is attacked by several waves of orcs and trolls. The area is full of treasures, which form the only income needed to make elven archers.
2004: The Lord of the Rings: War of the Ring:
- Similar to The Battle for Middle-earth, a skirmish takes place after Fellowship's arrival in Lothlorien. Player's goal during the mission is to protect two mallorn trees from attacks for a certain period of time.
2006: The Lord of the Rings: The Battle for Middle-earth II:
- Lothlorien makes appearance as a Battleground in both "Evil" campaign and skirmish model. The layout of the map drastically differs from the ones in the game-predecessor.
2007: The Lord of the Rings Online:
- Lothlorien is one of major regions of the game, added following the The Lord of the Rings Online: Mines of Moria expansion. It is inhabited by over a hundred of non-playable characters, who are involved in hundreds of various quests. The map shows the major landmarks of the area: The Mirrormere, rivers Anduin, Nimrodel and Celebrant, Cerin Amroth and Caras Galadhon.
- ↑ J.R.R. Tolkien, Christopher Tolkien (ed.), Unfinished Tales, "The West of Middle-earth at the End of the Third Age" [map]
- ↑ J.R.R. Tolkien, Christopher Tolkien (ed.), Unfinished Tales, "The History of Galadriel and Celeborn", "Appendix A: The Silvan Elves and their Speech"
- ↑ 3.0 3.1 J.R.R. Tolkien, Christopher Tolkien (ed.), Unfinished Tales, "The History of Galadriel and Celeborn", "Appendix B: The Sindarin Princes of the Silvan Elves"
- ↑ 4.0 4.1 J.R.R. Tolkien, Christopher Tolkien (ed.), Unfinished Tales, "The History of Galadriel and Celeborn", "Concerning Galadriel and Celeborn"
- ↑ J.R.R. Tolkien, Christopher Tolkien (ed.), Unfinished Tales, "The History of Galadriel and Celeborn", "Amroth and Nimrodel"
- ↑ J.R.R. Tolkien, The Lord of the Rings, The Fellowship of the Ring, "Lothlórien"
- ↑ 7.0 7.1 J.R.R. Tolkien, The Lord of the Rings, Appendix B, "The Great Years"
- ↑ J.R.R. Tolkien, The Lord of the Rings, The Fellowship of the Ring, "The Mirror of Galadriel"
- ↑ J.R.R. Tolkien, The Lord of the Rings, The Fellowship of the Ring, "Farewell to Lórien"
- ↑ J.R.R. Tolkien, The Lord of the Rings, Appendix B, "The Chief Days from the Fall of Barad-dûr to the End of the Third Age"
- ↑ J.R.R. Tolkien, The Lord of the Rings, Appendix A, "The Númenorean Kings", "The Tale of Aragorn and Arwen"
- ↑ 12.0 12.1 Wayne G. Hammond and Christina Scull (eds), The Lord of the Rings: A Reader's Companion, p. 300 (citing from the Unfinished index)
- ↑ J.R.R. Tolkien, "Words, Phrases and Passages in Various Tongues in The Lord of the Rings", in Parma Eldalamberon XVII (edited by Christopher Gilson), p. 48
- ↑ 14.0 14.1 14.2 14.3 14.4 J.R.R. Tolkien, Christopher Tolkien (ed.), Unfinished Tales, "The History of Galadriel and Celeborn", note 5
- ↑ Robert Foster, The Complete Guide to Middle-earth, entry "Dwimordene"


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Orchid Greenhouse Plans : This free downloadable workbench plan includes a materials list, cut list, diagrams, color photos, and lots of tips along the way.Learn how to build a door using the traditional cope and stick joint. This joint has been around for a long time and is easy to produce with hand or power tools. This download will teach you how to prepare the stock and machine the joinery, and show you how to build a door that will last.You'll be able to complete your workbench in one day with help from the workbench sketch, instructions, and tools and materials list.The truth is we've all found ourselves sitting on the living room floor and using our coffee table to do homework, pay bills, file taxes, and any other task you can think of that makes you say to yourself halfway through, "Man, I really need a desk." You may find yourself hesitating to get one for financial reasons or maybe it's because you simply don't know how to build a desk on your own. Well, think again.We'll always want to have as much radial edge facing our plane's sole as possible. This can create short grain but that helps add to the curl of the shaving.
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Basically, anyone who is interested in building with wood can learn it successfully with the help of free woodworking plans which are found on the net. The specific way each feature is presented and the material covered in these sites are the best reason for downloading Orchid Greenhouse Plans woodworking plans for your construction projects. Even though the plans provided in them are more suited to the needs of professional and advanced woodworkers, the suggestions and guidance offered can even make the most ignorant person successfully complete any Orchid Greenhouse Plans woodwork projects. Professionals find the free plans useful because it helps them save time in creating designs for their clients.
Benefits Of Orchid Greenhouse Plans
With the Orchid Greenhouse Plans free woodworking plans package, you will get help to build all kinds of projects, be it furniture, sheds, beds or wind generators. These plans are very user friendly which helps in making each woodworking project enjoyable and simple. These online plans offer more options to woodworkers than any other sources. You can find the perfect woodworking plan according to your level of expertise or desired need. There are plans for beginners, professional and weekend hobbyists. For newcomers, these plans are a must have package as they are very simple to use and contain colored images of the highest quality and detailed instructions stepwise for every woodworking projects.
Many of these Orchid Greenhouse Plans free woodworking plans online allow you to access thousands of ideas to assist you in building your project in a quick and professional way. You get blue prints, images and materials when you download these plans from the net. It does not matter whether you are skilled or not, these detailed instructions will assist you all through your project till you have completed it successfully. You will also get tips on how to start a woodwork business from some of the free woodwork plans online.
These Orchid Greenhouse Plans woodworking plans also have few limitations to speak of, though these are minor ones compared to the advantages you gain from them. One of the common complaints about free plan software is the time which is taken for it to get downloaded completely. These plans are quite vast and if the internet is slow, it might take you hours to download the whole Orchid Greenhouse Plans plan. The other disadvantage of free plan is that the measurement provided is of a specific kind even though both kinds of measurement systems are available. You lose time by making the effort to convert the measurements into your kind of measurement system.
On the whole, any of the free plan software are great and every woodworker can greatly benefit from the plan packages for building woodworking projects in a confident and successful way. The free woodworking plans are worthy of a trial. This is true, especially, when you need assistance in your woodworking skill, while working on a specific project. You can select from the vast amount of plans available in the free Orchid Greenhouse Plans woodworking plans online, which are offered by expert and experienced woodworkers.
If you are beginner and very interested in doing a DIY project for home then, Orchid Greenhouse Plans can be interesting. If you do not have the proper information, instruction, and skill, you may land up spending more money and time than you originally intended to spend. As a beginner woodworker, you need have the space, time and the correct tools. Having said, there are a few essential factors that you should keep in mind, before starting with any woodworking project.
1. If you are beginner, you should first need to be very interested in woodworking. Creating something new with your own hands is a special feeling. Do not start a project if you are not interested, as this may land you in a bad place.
2. Think of the main reason of creating this woodworking project. Decide on the uses of the item you are making.
3. Consider your skills and analyze the time you have, before you start with a project.
4. Start projects that you can finish. If you are in the middle of some work, then it is better not to start any project at all.
If you keep these essential points in mind before you begin a Orchid Greenhouse Plans woodworking project, it will become very easy for you to achieve success. Woodwork requires planning as much as it requires effort. So how do you get started?
Getting Started With Orchid Greenhouse Plans Woodworking Projects and Plans for Beginners
Before starting anything, it is very important to choose the woodworking projects that you want to start with. As a beginner, always select a project that has a very basic build up or a simple construction. Some easy to begin projects include, bird feeder, benches, shelves, etc. As soon as you get hold of the techniques, you can always move to the next level of woodworking projects, like cabinets, sheds and others. Beginning projects should always be less complicated and less frustrating so that you have a better knowledge of working with woods and their tools. Once the project is selected, start selecting your tools.Orchid Greenhouse Plans Beginners Woodworking Tools
Tools are the means through which you will win the battle of woodworking. Many people think that power tools are needs. However, for beginners basic hand tools can be very handy and more than helpful in completing a project. If woodworking is your hobby, then a few tools that you would require are:
1. Workbench - A workbench is required for precise cuts and measurements. The workbench when fixed with vises offer ample space to work. As a primary tool, workbench should be a part of your beginner's woodworking tools.
2. Hammer - Hammer is an essential tool for woodworks. It helps you to drive nails, pins, staples, etc. A small and lightweight hammer will make things much easy for you. When you buy a hammer, always check the balance between the weight and stand. Always select a sturdy, yet lightweight product.
3. Saw - A saw is another tool that you cannot live without while woodworking. This tool helps you to cut woods at different sizes. There are different types of saws available in the market. Choose a size that you can handle.
4. Screwdriver - Screwdrivers are available in different shapes and sizes. Mostly there are Canadian types and standard flat type. Having all of them will help you in advance woodworking. You can also buy power screwdrivers as they make the work much faster.
5. Measuring tape - It is another very important tool that you cannot work without. The measuring tape helps you to measure wood before they can be attached together.
6. Wrench - Some woodworking projects require fixing bolts and fixes. For such projects, you require wrench. However, this is not a tool for beginners, but having it would make work easier for you at a later stage.
7. Drill - Drill helps you make holes in wood. Power drills are more useful but they cost more. Low wattage power drills will make the task much easy.
8. Other small and basic tools - These include pencils, gum, staple gum, level, erase, first aid kit and shop vac.Orchid Greenhouse Plans Costing and Budget for the Project
There is no fixed cost on woodworking projects. Based on the type of project you want to complete, pricing can be determined. The simple the project, the less cost it involves. However, at the very beginning buying the tools will be a little hefty. Therefore, it is better to fix a budget first on the tools, then on the project. Buying the basic tools will ensure that you do not need to buy any more material other than the wood ply.Orchid Greenhouse Plans Time and Instructions
Instructions are one of the primary things that every beginner should follow. It is like the woodworking Bible. Instructions guide is a very easy to understand process, what to do and how to do it. It is a systematic guide for completing the project. Time also plays an important role in the building of woodworking projects. Woodworking projects require time and therefore it is necessary for a beginner to have ample amount of time every week.Orchid Greenhouse Plans Tips and Tricks for Beginners
There are no quick tips or tricks that would make the work easy. Nevertheless, the most essential thing that will help you to achieve success is proper planning. With proper planning and a strategy, it is possible to achieve success quickly. If you know the purpose of woodworking, the item you want to build, the tools you require to own and the average time you can give every day; then you are all set to go.Orchid Greenhouse Plans Conclusion
All these tips and instruction will make the woodworking projects and plans for beginners fast to complete. Always make sure that you have all the essential tools, materials, space ready. Keep the instructions of building an item handy. Proper strategy and planning will help you to make a great woodworking project for your home.
Plans for Wood Furniture, is a renowned woodworking expert. Plans for Wood Furniture recommends Plans for Wood Furniture for better knowledge on woodworking plans. According to Plans for Wood Furniture good woodworking plans for beginners can essentially help a newbie in learning techniques.
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A great deal of good can come of a home workshop. The craftsperson may build many useful and long-lasting artifacts for the house, and these are most certainly good; the real gains, however, come from the work itself: the process of working wood transforms the woodworker as much as it does the wood, and it is through the work that we come to know both ourselves, and the wood. But for this to be true, we must approach our task in the right way.
On Doing Things Properly[edit]
It is best not to set out thinking I will make a coffee table today, because this is probably not what you will do: more likely, you will be planing sticks of timber, trying to get them square and true, and then cutting joints and boring holes. So reduce your day's tasks to what you are actually going to do: I am going to make this board flat today, or, I will sharpen this plane blade now, for then you are focused on what you are doing. This is important. So much frustration and anguish comes from running down to the hardware shop, buying new tools and wood, and then feeling a fool when you can't produce the lovely smooth things you see in the woodworking magazines. So stop. It's not a new piece of wood you need, nor a new tool, but simply an awareness of what you're actually doing. After all, most woodworking tools have very sharp edges. A finished product does not look very good if it is being held with hands that are missing fingers! Pay attention to what you are doing, from all angles.
The Space[edit]
The space for your workshop is probably pre-determined by the design of your house; there may be no options. A garage is commonly turned to the purpose (as well as those of cars and storage and everything else!), a basement may be available, or even an attic. But wherever you fit your workshop, aim for a space that is dry, not too hot or cold, and in which you can make a bit of noise without annoying anyone. Size is important, but perhaps not as greatly so as you might think: in a small space, you will simply adapt your practice to fit the space.
If you can, it will help if you can have a space dedicated to your workshop. Although the home workshop is (by definition) not used full-time, by having a full-time workshop space you will be able to keep your tools and materials always ready and generally in better condition. Not sharing a woodworking workbench with the bicycle mechanic of your household, for instance, means that the cross-purposes of these tasks will not come into conflict. Equally, when it is time �those precious couple of hours on a Saturday morning, perhaps� to get to work on your current project, it can be a great deterrent if you first have to disengage the workshop from its other roles.
Organization is key to using those spare hours you have to work your craft. One of the hardest things to do, is straighten and clean up your area when you are short on time. Take the few minutes and do it anyway, your next session will start on the right foot!
The Workbench[edit]
A good strong workbench is essential, and probably the most troubling part of a new workshop. It is almost Catch-22: skills and cost aside (for it is not hard to build a cheap workbench), one finds that it is a great deal harder to build a workbench without a workbench on which to work! The answers to this are many, but for the home woodworker probably the best ones are: to purchase a complete bench (new or second-hand); or to progressively work up (from first principles as it were) to a bench by making other items first, such as saw-horses or saw-stools.
Saw-horses are the handyman's workbench out in the field.(someone else's house!) But when at home, he uses them as an extension of his workbench. Having your saw-horses at the same or slightly under the height of your workbench has benefits in your workshop, giving you the ability to build projects that are bigger than your workbench.
As mentioned above, saw horses are the "out in the field" workbench. The crudest form of workbench (actually a "workbench" to build your first workbench, and perhaps toolboxes) would be some manner of workbench top (perhaps built of plywood and 2x4 material or an old flat door) spanning two sawhorses. A possible commercial alternative to this is would be one or two Black and Decker "Workmate" benches, which are readily available at stores, or used.
When building a first workbench, follow the section above about "On Doing Things Properly" carefully. Look at workbenches on the Internet, or that others have built, and roughly sketch out what you want. It is probably wise to think about what you have drawn, and perhaps modify the design to make it better. Do this until your sketch is both something that you will be satisfied with, and can build. Take this step by step. Choose your materials, and consider the tools needed to build what you have drawn and assemble them.
Before you build the top, you will probably build a base. The base must be rock solid, even when subject to heavy work. To build a base, you need to build legs, (or better yet two sets of legs). To build the legs or a set of legs, you must build one leg, build a second leg, and join these in such a manner that they are rugged and stable. Suitable joints for building up simple legs and workbench bases include lap joints, rebate or rabbet joints, mortise and tenon joints, and etc. More advanced joints would include dovetails, mitered joints, or more advanced versions of simple joints. The choice of joinery is dependent on your skills, the tools and materials available to you, and your own aesthetics (You need to like what you make, it will be your's to use and display).
The top of the workbench must be flat, and the sides plumb, as this surface is a reference surface, from which you will gauge properties such as squareness and flatness of your work. You will also mount your vises to the sides and bottom of the bench, and the jaws must be plumb. The top of the bench should be sturdy. As stated previously your bench should not move as you work with it / on it. An old quote about workbench tops (when one split logs in order to build a bench top) was "He who a good workbench would win, must split thick and hew thin". This speaks to the weight and mass that a bench / bench top should have.
The dimensions of your workbench are personal taste, however, most workbenches range from 2 - 3 feet in depth / width, 4 - 6 feet (or more) in length, and 28 - 36 inches in height. The most critical of these, perhaps is height, as this must suit your physique. A rule of thumb is that the work surface should fall between the height of your wrist (when standing), and the height of your elbow. The more hand tools you use, the lower in this range your work surface should be (in order to gain leverage when planing, sawing, and etc.). If you tend towards more power tool use, the bench level can come up in the range. A bench at elbow height would be more a mechanics bench as opposed to a woodworkers bench.
First Tools[edit]
The most essential tools are:
A saw, a crosscut saw is the most generally handy, but a bow saw, coping saw, or backsaw can be used for a lot of the essentials.
A plane, the jack plane is the best choice, but a block plane will do.
A square, a try square is most convenient; it might be easier to find a combination square or framing square.
A chisel, 1 inch wide, with a solid handle made for striking with a mallet. A narrower chisel will do good work, but will take longer.
A hammer, a claw hammer is the most convenient choice.
A drill, brace and bit type is best, but a bit of a specialty item to find. Various egg-beater styles are handy for smaller holes, but hard to use for holes larger than 1/2 inch.
Whetstone, an inexpensive combination stone (coarse on one side, fine on the other) will help keep the edges sharp. If you're careful with your tools, you won't damage them badly enough to need a grinder for a long time. In the meantime, see if you can find one to borrow on those (hopefully rare) occasions when you chip or ding an edge.
There is an endless array of tools that can be handy for particular tasks, or pleasing to the eye and hand, but the particulars will depend on the kind of work you do, the methods you prefer, and your budget. You'll soon discover many of them, but the more experience you have with the basic tools, the wiser choices you'll make when selecting additional tools. You will also make additional tools, to get just the right tool for the job, to learn the techniques involved, to save money, or a bit of all three.
Initially, to conserve funds, consider learning how to recondition used tools: many good tools can be had at yard sales and thrift store, if you're willing to put in the time to salvage them from years of abuse and neglect. In most cases, no great knowledge is needed to carefully disassemble, clean, polish away, resharpen, and reassemble them and you'll gain an intimate knowledge of their internal parts.
Less expensive tools won't give as good of results, especially when aiming for fine cabinetry; they also don't do their best work as easily as a higher quality tool, so it's difficult for a beginning woodworker to tell when the problem is with technique, rather than with the tool. You must make the tradeoff between being frustrated by low-quality tools and wasting money on expensive tools that aren't really the best choice for your work. Try to get good quality tools for these basic, every day, tools and focus on learning to use these to complete straightforward projects, before investing in an expensive array of other tools.
You may be wondering when power tools are going to be covered: modern woodworking has become much cheaper (either in money or the time needed to complete a project) with the advent of a vast array of inexpensive power tools. However, there are many jobs that are accomplished more quickly or better with a muscle-powered tool. For the beginning woodworker, the most important thing is to understand the nature of wood and how it can be worked, this is more easily accomplished by feeling how edges cut through grain. Power tools get in the way of that feeling.
As you work, you will have inflicted upon you many thoughts about how such-and-such job could be accomplished more quickly with electricity. With the exception of adequate lighting, resist those temptations until you understand the costs that safe use of power tools imposes on your shop space and way of thinking about your projects.
For building a workbench and most fixtures for the workshop, softwoods like pine or fir are readily available and sufficient for the job.
For the top of the workbench, you may want to invest in a hardwood top; a benchtop of smooth hardwood will be much more durable and satisfying to work on, but it might be just as well to make one out of less expensive wood and plan on replacing it once it's worn out.


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U.S. consumer sentiment has leaped to its highest level in six years, with the Thomson Reuters/University of Michigan index released Friday showing a reading of 85.1 in July 2013, up a point versus June 2013 and 13 points higher than a year ago. But Americans aren't as upbeat as one might think, according to the Pew Research Center, even though U.S. unemployment is down, the stock market is up and inflation remains under wraps.
Indeed, most consumers are still feeling pretty lousy about the economy these days. Why? Because, according to Pew, macro factors such as tame inflation and modest GDP growth just aren't making up for what most people experience on a daily basis.
"At the level where most people actually live their lives, what improvement there's been hasn't erased the Great Recession's sting," says Drew DeSilver, a Pew senior writer, in "5 reasons Americans have the economic blahs," published on Thursday.
Pointing to a Pew Research survey of 1,480 adults conducted last week, DeSilver writes that 45% of Americans rate the national economy as "only fair" while 37% call its condition "poor" and only 17% are willing to say the economy is in "excellent" or "good" shape. (The survey also finds that President Barack Obama's overall job rating, which was more positive than negative in May and June, is now evenly divided, with 46% approving of his job performance while 46% disapprove. Congress, too, comes in for a beating, with only 21% of Americans giving lawmakers a favorable rating.)
Keep reading for Pew's look at what it calls the "real-world" economy and five sometimes overlooked but possibly more revealing indicators about why your clients and Americans in general might have such persistently glum attitudes.
Here are the five reasons why the Pew Research Center says Americans still feel "meh" about the U.S. economy:
1) Home Ownership.
The residential real estate market regained some strength this year, but here's what can be overlooked amid the excitement around rising home prices: home ownership is now down to levels not seen in almost 20 years.
"Home ownership was on the rise well before the mortgage mania of the mid-2000s, aided by falling interest rates and government policies designed to encourage it," DeSilver of the Pew Research Center writes. "But the bursting of the bubble and the wrenching recession that followed forced tens, if not hundreds, of thousands of families to lose their homes; home ownership now is down to levels not seen since the mid-1990s."
2) Employment to Population Ratio
This ratio, also called the employment rate, does a better job of measuring how many employed adults there are as a share of the total "civilian noninstitutional" population, and Pew breaks out just the 25- to 54-year-old cohort to gauge how many Americans are working full time, excluding most students and retirees.
When looking at that ratio as opposed to the unemployment rate, Pew senior writer Drew DeSilver finds that the news isn't good.
"Despite some recent improvement, the June employment rate of 75.9% is still well below pre-recession levels, which typically were close to or above 80%," he writes. "And the flatness in the rate indicates the economy isn't doing much more than adding enough jobs to keep up with population growth."
3) Early Retirement Account Withdrawals
Even before the Great Recession, people under the age of 55 were making a disturbingly large number of early withdrawals from their retirement accounts (see chart), researchers from the Federal Reserve and the Internal Revenue Service report.
So even though early withdrawals kept increasing after 2008, the difference was less than what one might have expected, DeSilver writes.
"The data suggest that many families were under financial stress even during the apparently prosperous years of the mid-2000s."
4) Bankruptcy Filings
Reviewing this indicator, Pew's DeSilver says that not only did individuals' bankruptcy filings surge during the Great Recession, but they remain well above pre-recession levels.
Data from the U.S. Courts shows that the number of Chapter 7 and Chapter 13 bankruptcy cases filed by individual debtors with predominantly consumer debt is now higher than it was in 2008, according to Pew.
5) Student Debt
Students, sadly, now are burdened with more debt than any other debtholders other than individuals who are paying off mortgages.
"Household debt is taking up less of people's disposable income, as mortgage balances and credit-card balances continue to fall," writes Pew Research Center's DeSilver.
"Student-loan balances, though, are on the rise—up $20 billion in the first quarter of 2013, to a total of $986 billion. Since the second quarter of 2010, student loans have constituted the second-biggest category of household debt, after mortgage debt."
For more about the U.S. consumer, read Clients Are an Advisor's Biggest Competition, Says Principal Survey at ThinkAdvisor.


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These Round Metallic Plated Beads come 310 beads to a package and are 8 mm in size. Metallic Beads can be used with Pony Beads, or Plastic Beads, or Clothing Designs, or any other beads, to create multiple beaded craft projects.
We also carry a complete line of beading accessories and findings, such as elastic cords, lanyards, split key rings, and many more beading items.


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Sol 99 Update on Curiosity from USGS Scientist Ken Herkenhoff: ChemCam Team Meeting15 November 2012
The ChemCam science team meeting went well, but we have a lot of work to do. Of course everyone knew this before the meeting, and now we are more focused on the most important tasks. We have a lot of excellent data, and the most important near-term goal is to broaden the range of rocks and minerals in the database that is used to match Mars spectra with known materials. We knew roughly what to expect before MSL delivered ChemCam to Mars, and built the database appropriately. But it is clear that expanding the database will improve the fidelity of the mineralogic modeling, so it must be done soon. I presented my work on RMI image compression testing, which is much less important but will allow us to significantly reduce the data volume of each image, in turn allowing us to acquire and return more images to Earth.


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Deformation and fracture mechanics of engineering materials
J. Wiley & Sons, 1996 - Science - 786 pages
Updated to reflect recent developments in our understanding of deformation and fracture processes in structural materials. This completely revised reference includes new sections on isostress analysis, modulus of rupture, creep fracture micromechanicsms, and many more.
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LibraryThing ReviewUser Review - all4metals - LibraryThing
This is one of the best textbooks on physical metallurgy. My preference is for Dieter's book, but that is because it was the textbook for my physical metallurgy course in graduate school. Hertzberg's book is more modern. Read full review
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addition alloy aluminum alloy applied stress associated ASTM atom behavior brittle Burgers vector ceramics Chapter component composite constant crack growth rate crack length crack propagation crack tip craze creep rate crystal crystalline curve cycles cyclic decrease depends elastic elastic modulus embrittlement engineering example failure fatigue crack fibers FIGURE flaw fracture mechanics fracture surface fracture toughness given grain boundary hardening increasing initial lattice load martensite material matrix maximum Metals Park microstructure modulus MPaVm notch Note occur oriented parameter particles phase plane-strain plastic deformation plastic zone plate polymer polymeric R. W. Hertzberg region relation relative Reprinted with permission response result rupture sample screw dislocation Section shear stress shown in Fig specimen stacking fault energy steel alloys strain rate strengthening stress concentration stress field stress intensity factor stress level stress-strain stress-strain curve superalloys thermal thickness Trans transition temperature twinning values yield strength
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Polymer Interface and Adhesion
Limited preview - 1982
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Fatigue of engineering plastics
Richard W. Hertzberg,John A. Manson
Snippet view - 1980


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All-Stars to be revealed on Selection Sunday
ESPN to host Taco Bell All-Star Game Selection Show at 7 p.m. ET
Happy Fourth of July Weekend.
Enjoy yourself with fireworks, picnics, barbecues, family reunions, carnivals, fairs, pool parties, concerts, boating, outings at the ballpark or whatever traditions you treasure the most.
This festive weekend will culminate in a big way at 7 p.m. ET Sunday with the much-anticipated announcement of the American and National League rosters. They will be revealed live on the Taco Bell All-Star Game Selection Show on ESPN, preceding the "Sunday Night Baseball" game. MLB Network will host, and MLB.com will simulcast, MLB Tonight's "All-Star Selection Recap Show" beginning at 8 p.m. ET and MLB.com will feature complete coverage with video and analysis of both rosters. The show will be broadcast on TSN2 in Canada.
Did Carlos Gomez, Aramis Ramirez and Jonathan Lucroy ride the wave of Milwaukee's first-half success into starting National League assignments at outfield, third base and catcher, respectively? Will Miami's Giancarlo Stanton get a start after leading the NL in home runs and RBIs? What about Andrew McCutchen of the Pirates and Yasiel Puig of the Dodgers?
In the American League, was that late charge by Oakland's Derek Norris enough to overtake Matt Wieters of the Orioles? The outfield picture was looking like Jose Bautista of Toronto, Mike Trout of the Angels and Yoenis Cespedes with 12 hours remaining, but as millions of votes still poured in, could it be that Adam Jones of the Orioles or Melky Cabrera of the Blue Jays got your starting nod? And does Derek Jeter go out in style with a 14th All-Star selection?
The AL team will have nine elected starters via the ongoing fan balloting program, while the NL squad will have eight fan-elected starters.
Behind the scenes, the rosters are coming together now. Pitchers and reserves for both squads -- totaling 25 for the NL and 24 for the AL -- will be determined through a combination of Player Ballot choices and selections made by All-Star managers Mike Matheny of the Cardinals and John Farrell of the Red Sox. If a player finishes first on the Player Ballot but is also selected as a starter by fans, then the second player on the Player Ballot becomes the automatic reserve selection. The two managers fill out the rest of the rosters after that.
Once both 33-man rosters are announced, which players will be revealed as your candidates for the 34th man? Yes, the wildest week of every summer is about to happen again and that's the other reason this weekend is going to end on such a high note. The 13th annual All-Star Game MLB.com Final Vote Sponsored by Experian launches after rosters are announced.
Farrell and Matheny, in conjunction with MLB, will each present you with five Final Vote candidates per league at that point. Steve Delabar of Toronto and Freddie Freeman of Atlanta were last year's winners. More than 430 million votes have been cast in the history of the Final Vote, which features unlimited voting on MLB.com, club sites and your mobile devices. The whole purpose of it is to end any "snub" talk in its tracks.
The final phase of All-Star Game voting will again have fans participating in the voting for the Ted Williams All-Star Game Most Valuable Player Award presented by Chevrolet. During the Midsummer Classic, you can vote exclusively online at MLB.com via the 2014 All-Star Game MLB.com MVP Vote Sponsored by Pepsi, and the fan voice will represent 20 percent of the overall vote that determines the recipient of the Arch Ward Trophy.
"The participation of our fans in the All-Star balloting process is a key part of their extraordinary bond with the Midsummer Classic," Commissioner Bud Selig said when voting began in Minnesota back on April 25. "The Twin Cities will be marvelous hosts for a celebration of the very best of our game."
More than 20 million Firestone All-Star ballots were distributed at MLB's 30 ballparks, each of which had 23 dates for balloting. The last in-stadium ballots were cast on June 26 at Wrigley Field, and after that it was exclusively online and via mobile with the All-Star Game MLB.com Ballot Sponsored by Experian. What happens when all those final paper ballots are lumped in with all those digital ballots of the final week? We'll find out Sunday.
All-Star selections are important not only to the individuals chosen, but also to the chances of a subsequent World Series home-field advantage. For the last five consecutive years, the league that has won the All-Star Game has capitalized on that edge in winning the Fall Classic.
MLB.com will provide extensive online coverage of the All-Star Week festivities.
The 85th All-Star Game will be televised nationally by FOX, in Canada by Rogers Sportsnet and RDS, and worldwide by partners in more than 200 countries via MLB International's independent feed. ESPN Radio and ESPN Radio Deportes will provide national radio coverage of the All-Star Game. MLB Network and SiriusXM will also provide comprehensive All-Star Week coverage. For more information, please visit allstargame.com.


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Your daily news briefing, with the video of the day, the top news and the quote of the day.
News to Know
CNN reported the death of 11 people and 30 injuries after suicide bombs exploded in a church inside the military barracks of Jaji, Nigeria. Armed Forces spokesman Lt. Col. Muhammad Dole said a suicide bomber drove a vehicle into the side of St. Andrew Military Protestant Church around noon on Sunday. Several minutes later, a second vehicle exploded just outside the church.
Quote of note
"I call them the silent victims of incarceration. They're not the victim who the crime was committed against, but they are feeling the ramifications of their parents doing time." said Sharon Content, founder of the Brooklyn, New York-based Children of Promise organiization, aimed at helping children cope with having a mother or father in prison. According to a 2010 study by The Pew Charitable Trusts, there are more than 2.7 million American children who have a parent in prison.
Hot video: Colts cheerleaders go bald to support coach who has leukemia
GateHouse News Service


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Brownie Batter Pancakes Recipe
Hi chocolate chips!
One exception: my blog is only desserts.
Just like Gina, I believe you shouldn't have to sacrifice good taste in order to be healthy. And today, Gina asked me to share one of my "does not taste healthy" recipes that can be a breakfast or dessert: brownie batter pancakes. This recipe is also vegan AND can easily be made gluten free with Bob's Red Mill Gluten Free flour mix!
Hope you enjoy!!
Brownie Batter Pancakes
Servings: 1 • Size: 6-8 silver-dollar pancakes • Old Points: 3 pts • Points+: 4 pts
Calories: 172 • Fat: 2.4 g • Carb: 32 g • Fiber: 6.7 g • Protein: 5.3 g • Sugar: 4.7
Sodium: 241.7 (without salt)
1/4 cup Bob's spelt flour (or all-purpose or for gluten free use Bob's gluten-free ap flour)
1/4 tsp baking powder
1 tbsp Hershey's Special Dark unsweetened cocoa powder (or dutch cocoa)
1 1/2 packets nunaturals stevia or 1 tbsp + 1 tsp sugar (you can use less if you're planning to top with syrup and don't want the actual pancakes to taste sweet)
pinch of salt (optional)
1 1/2 tbsp unsweetened applesauce
1 tsp pure vanilla extract
5 1/2 tbsp nondairy milk of your choice
Mix dry ingredients very well, then add wet. Make pancakes! There are only 130 calories in this entire recipe. If you want a more substantial breakfast, feel free to make a bigger serving and/or go crazy with the toppings!! And if you're feeling really crazy:
Cookie dough brownie batter pancakes… who knew such decadence could be healthy?!
Life is better with chocolate.
Keywords: Brownie Batter Pancakes


text:
FREEPORT — For an Auburn team that's lost so many close games this season, it was important to seize control when the opportunity was there.
The Knights (3-5) did that Friday as they ran away from the Pretzels (1-7) in the second half of a 54-33 victory, their first at the Pretzel Bowl since 1995.
"It's redemptive for kids to win a game after they've lost so many close ones and to win strongly," Auburn coach Dan Appino said. "They feel like now they've got a chance to finish the season on their terms instead of struggling at the end. I'm really proud that they played four quarters."
The second half couldn't have started much worse for the Knights, who turned the ball over on the opening kickoff and saw Freeport march in for the game-tying score seven plays later. Auburn turned the ball over again on its next possession when Christian Lopez was picked off by Tim Vandenburgh who set the Pretzels up at the Knights' 12 yard line after the return.
But after the Auburn defense held the the Pretzels to just one yard and zero points, the momentum swung back in the Knights' direction for good.
Auburn took the lead on the ensuing possession with a 10-play, 80-yard drive that ended with a Armon Bailey two-yard touchdown run that gave the Knights the lead again. And they wouldn't relinquish it.
Christian Life 35, Hiawatha 0: Brady Pond ran for one touchdown and threw for two more to lead Christian Life.
Pond scored on a 1-yard dive and then hit Isiah Jones on TD passes of 26 and 41 yards. Omeiza Suleman added a 4-yard TD run, and Adam Ambrogio scored on a 2-yard run.
Pond finished with 91 yards rushing on 7 carries and waws 9-for-12 passing for 142 more yards. Jones had four catches for 97 yards.
North Boone 21, Richmond Burton 13: Nathan Bodey ran 16 times for 108 yards and was 3 for 11 passing for 83 yards to help lead North Boone.
Chris Walker scored on a 10-yard run for the Vikings, Gus Eisele added a 17-yard TD run and Body hit Jon Lilly on a 57-yard pass to account for North Boone's final score.
Galena 47, West Carroll 20: Bruce Scharpf scored both on offense and defense to lift Galena in the NUIC showdown.
Scharpf scored on a 24-yard run, a 2-yard run and a 7-yard run and added a 59-yard interception return. He finished with 165 yards on 21 carries to pace the Pirates.
Austin Long connected with Tyler Willard on a 25-yard TD pass and Austin Swisher added a 57-yrd TD run.
Shawn Magill led the West Carroll attack with TD passes of 17 yards to Marshall Benters, 3 yards to Brandon Sturtevant and 21 ayrds to Trevor Jones. Sturtevant added a 3-yard TD run.
Sturtevant finished with 98 yards on 13 carries while Magill added 89 on 17 rushes.
Jeff Casey led the West Carroll defense with 12 tackles, while Devin Saunders added 10.
Forreston 48, Crossroads 6: Robert DeVries had a hand in three touchdowns, Spencer Cruthis scored twice and Max Barkalow rushed for 134 yards on just six carries as the Cardinals rolled in the nonconference game.
DeVries scored on a 55-yard interception return and connected with Barkalow on TD passes of 2 and 9 yards. Cruthis scored on runs of 2 and 1 yards. And Barkalow added an 83-yard TD run.
Logan Rogers added a 2-yard TD dive for Forreston.
Oregon 35, Mendota 20: Oregon's potent ground game produced 361 yards and touchdowns from five different players in the Big Northern win.
Ashton Rutherford struck first from 27 yards out and Garrett Rude added a 14-yarder to put the Hawks up 14-0. Nick Newman, who finished with 131 yards on 15 caries, then scored from five yards out for a 21-0 lead.
After a Mendota TD, Sayer Reynolds ran in from 8yards out and Tyler Blume scored from 5 yards to push the Oregon lead to 35-7 in the fourth.
Rude finished with 74 yards nad Rutherford added 65.
Winnebago 28, Byron 21: Byron put on a furious second half rally, but came up short in the Big Northern contest.
The Indians jumped out to a 14-0 lead in the first on Sean Ward's 1-yard dive and Nolan Peterson's 10-yard run.
But Byron cut the margin in half when Base Byers hit Austin Carlson with a 12-yard scoring strike.
Winnebago upped its lead to 21-7 at the half on Peterson's 61-yard run, but Byers countered with a 4-yard run to make it 21-14.
Ryan Swigart then hit Isiah Yanni for a 63-yard TD early in the fourth quarter to go up 28-14. Tyler Huddleston capped things with a 1-yard dive for Byron with two minutes left.
Warren 39, Ashton-Franklin Center 14: Brady Raab rushed 18 tiems for 141 ayrds and scored on runs of 11, 7 and 5 yards to pace Warren.
Austin Pax caught at 34-yard TD pass from Gavin Leverton, while Devin Pax returned an interception 65 yards for another score. Kendall Cox capped Warren's scoring with a 176-yard TD reception from Leverton.
Jake Chapman's 1-yard dive and David Zinke's 18-yard run accounted for AFC's scoring.
Prep Football: Auburn rallies past Freeport for 54-33 victory
FREEPORT — For an Auburn team that's lost so many close games this season, it was important to seize control when the opportunity was there.


text:
Friday, January 18, 2013
Photo: Cossy Orjiakor's Photo
67 comments:
- Anonymous18 January, 2013 21:09
yuck!!just ruined my dinnerReplyDelete
- Anonymous18 January, 2013 21:14
You bloggers are the fools. Why give this bitch the publicity she's desperately craving for?ReplyDeleteReplies
- Anonymous19 January, 2013 01:51
Shey?....where is boko haram when you need them?Delete
Thank you. And people generally like news about her that's why deez bloggers capitalize on it to get more hits. I usually do not comment on her photos but your comment made sense. If only ppl can stop commenting on her photos. Just look at it, if you want and pass so that she will know that nobody gives a hoot what she does.Delete
- Anonymous20 January, 2013 09:11
Like ur comment Anonymous, and yours JaydeDelete
Her pussy is looking clean. Before abusing her, look at ur own pussy. If it is cleaner dan urs, just SHUT THE FUCK UP!!!ReplyDelete
- Anonymous18 January, 2013 21:15
You call it Porn? Are you then a Porn Blog? Why is it on your blog then?ReplyDelete
- Anonymous18 January, 2013 21:15
You bloggers are the fools. Why give this bitch the publicity she's desperately craving for?ReplyDelete
- Anonymous18 January, 2013 21:18
Blog owner continue to stir up the tribal war on your blog. You are perpetuating it with your ignorant and tribalistic followers.ReplyDelete
- Anonymous18 January, 2013 21:20
How could she?This is totally outrageousReplyDelete
Inyanma!!! YuckReplyDelete
- Anonymous18 January, 2013 21:24
Sweet, i'm a girl but I really love this I feel like sucking her badlyReplyDeleteReplies
- Anonymous19 January, 2013 01:40
U well so?Delete
- Anonymous19 January, 2013 10:04
Suck me instead sista(winks)Delete
- Anonymous30 July, 2013 08:42
can u suck man's ownDelete
- Anonymous18 January, 2013 21:31
This girl needs to grow up,her booty is so damn disgustingReplyDeleteReplies
- Anonymous18 January, 2013 23:51
Its not. Stop lying!! Lol!Delete
- Anonymous19 January, 2013 01:40
- Anonymous18 January, 2013 21:39
Hia! Stella Dimoko....again? She's good at wat she does.ReplyDelete
- Anonymous18 January, 2013 21:39
- Anonymous18 January, 2013 21:42
Sure ds is porn Abeg ds lady should get a life jor mtscheeeeewwwww oshiscoReplyDelete
Can't jus understand dis gal...ReplyDelete
- Anonymous18 January, 2013 21:45
Dayum dis geh has totally lost it,I feel shez sufferin frm depression,after a failed attempt at acting,so she has decided to sell her talents in other ways,and ladun yu sure are helping her,heard her business is booming this days,as she now charges 100Gs for just one night,including clubin and drinks,me thinks yu can do better cossy,cus wit d kinda exposure yu av,and d kinda services yu offer(vis-a-vis,BJs,assf**kin,and til day break f**king of diffent styles)yu shud charge more...be a bit more expensive,c'mon its nt slavery na,except yu are nt in it for d money,mayb yu are a perv..cus some campus runs gehs gt same price for less work.and more pampering#justsaying#ReplyDelete
- Anonymous18 January, 2013 21:47
Wad is wrong wif dis lady 4 cryin out loud??May God mercy on herReplyDelete
i reserve my comment cos am human.........ReplyDelete
- Anonymous18 January, 2013 22:10
For real cossy should be sanctioned on so many levels!! This is just plain nasty and crude and this girl needs to have several seats.......ReplyDelete
- Anonymous18 January, 2013 22:11
Lol crazy girl u need deliveranceReplyDelete
- Anonymous18 January, 2013 22:11
GOD ,cossy dis is not yankee nah...ReplyDelete
- Anonymous18 January, 2013 22:12
Hmmmmmm! Kosisochukwu! Y nau? Kilode? Dis is going OTP 4 God's sake! Pls live a life n stop all ds show of disgrace 2 d woman race. Biko! Am not judgn but ds is definitely an eye sore. Wld u b hapi in d nxt 20yrs to show ds xrated pic 2 ur children? Pls hv a re think! May our LORD JESUS help u out IJN! Amen. Ann! LADUN POST MY COMMENT O!ReplyDelete
I totally giv e up on this girl!ReplyDelete
- Anonymous18 January, 2013 22:41
lips sealeddddddddddddddddReplyDelete
- Anonymous18 January, 2013 22:57
I no fit shout.....yinka florensReplyDelete
- Anonymous18 January, 2013 23:03
Her garters are everywhere could her jobless photographer(s) not at least straighten it biko. #OCDReplyDelete
peeps lets pray for this woman oh ! this thing has gotten out of hand oh!ReplyDelete
- Anonymous18 January, 2013 23:09
na waReplyDelete
- Anonymous18 January, 2013 23:11
- Anonymous18 January, 2013 23:13
This is an eye sourReplyDelete
- Anonymous18 January, 2013 23:17
What won't this girl doReplyDelete
- Anonymous18 January, 2013 23:19
Not againReplyDelete
- Anonymous18 January, 2013 23:22
Apo garriReplyDelete
Cossy there is a reaon these things are called private parts o. Obviously yours isn't. I can't tell you how to live your life sha, only stating the obvious.ReplyDelete
- Anonymous19 January, 2013 01:17
U put lime for eye?ReplyDelete
- Anonymous19 January, 2013 01:20
@eye sour!ReplyDelete
U put lime for eye?
- Anonymous19 January, 2013 02:38
What is she trying to achieve, by showing her ugly black spotty ass. She is also ugly and can't make it in porn world.ReplyDelete
- Anonymous19 January, 2013 06:33
Ladun dear, pls kindly take this pictures off your blog. Thank youReplyDelete
Ladun,I thought you were different from the rest. Even if all bloggers have this picture on their blog,not you. What traffic are you looking for that you can't get without displaying what you call "porn". I don't blame Cossy at all. Its the bloggers who give her the publicity she desperately craves I blame. But in the long run,its your blog so go ahead and do what you please.ReplyDelete
But really,its food for thought for you.
Make yourself stand out.....you don't need to be like everyone else.
Nuff Said!!!
Ladun,I thought you were different from the rest. Even if all bloggers have this picture on their blog,not you. What traffic are you looking for that you can't get without displaying what you call "porn". I don't blame Cossy at all. Its the bloggers who give her the publicity she desperately craves I blame. But in the long run,its your blog so go ahead and do what you please.ReplyDelete
But really,its food for thought for you.
Make yourself stand out.....you don't need to be like everyone else.
Nuff Said!!!
- Anonymous19 January, 2013 12:19
Very clean...PeridotReplyDelete
- happy Yoruba bunny19 January, 2013 12:26
These must be the pictures d London based singer Kas s raking about, he's paying $2000 for d missing camera that's not worth 100pounds, cause Gussy said d pics were taken in a friends hotel room and her own room is playboy or playgirl theme, omokomo, omo abipaReplyDelete
U need to see how touts disgrace this girl In public, I witnessed it one time, they practically wanted to pull her boobs, I felt sorry for her that day, am sure she has bouncers now
- Anonymous19 January, 2013 12:52
Who is that fucking commentator calling those that find this disgusting photo distasteful fags? It must be Cossy herself.ReplyDelete
- Anonymous20 January, 2013 00:26
Nigerians!This lady needs help,we can always organise a vigil for her.Letz fast and pray tomorrow 20th January plssssReplyDelete
- Anonymous20 January, 2013 00:30
Most of her pics have been on this bedsheet. It's either she doesn't wash her sheets for weeks or it's just a coincidenceReplyDelete
- Anonymous20 January, 2013 07:23
God will surely punish dis girl.This is a shame#actuallycrying#ReplyDelete
- Anonymous20 January, 2013 14:17
oloshi leleyi sha.... she's so dumb ...o my...ewwwReplyDelete
- Anonymous21 January, 2013 16:11
Cosy pls move your ass to Yaba left. Do you get paid for this shit? Alainironu ara Galatia.ReplyDelete
- Anonymous15 February, 2013 12:35
She has always craved attencion. I met her about 10 yrs ago thru a friend who bang her and passed her phone number to me and i bet she was the easiest bitch i ever had just because i just arrived from Overseas. She was good in bed though. Now i see her on the web, i´m like shit.ReplyDelete
nice boobs............ReplyDelete


text:
I've received a number of emails in response to my March Investment Advisor column: "High Flyin'" about Chicago-based HighTower Advisors' formula for acquiring advisory firms. Most of these comments challenge the idea of valuing independent firms based on their revenues, rather than on their profitability. While I don't completely disagree with these sentiments, I do suspect that the bottom line in an acquired firm is less important than some folks seem to believe.
Here's how one advisor put his objection: "As a buyer, it is very important to use the seller's profile of profitability, analyze their business model against the buyer's, and derive a number for anticipated operational margins. Added expenses will be greater than zero. AUM is not a good place to start for valuation; neither is revenue. Asset quality derives from net income per client and net income per account. Ultimately true value is in the cash flow derived from the acquisition over an extended period."
Another writer put it more succinctly: "Cash flow has to support the purchase price or it is a bad deal unless you are making a strategic move to create a platform that you can build upon."
It seems to me that if one were to simply buy an independent advisory firm, with the intention to continue to run it as a standalone business (as a junior advisor within the firm, or an advisor new to the business might do), then, certainly, the operating margins of the firm would be an essential element in the purchase price and deal structure. That is, after one factored out any understatement of profits or additional "benefits" that the former owner of a small business might have factored into the expenses. However, if the buyer is an advisor with an existing firm, the margins of the acquired firm become less important.
For one thing, buying firms often have existing excess capacity to handle more clients than they currently have (which is why they are making the acquisition): therefore, the additional costs to service new clients can be quite low. In many of the FP Transitions deals, for instance, buyers acquire firms that would add, say, 20% more assets to their existing AUM, and that from new clients who are very similar to their existing clients. In these cases, "increased" operating costs are minimal.
Secondly, buying firms are often very secure in their own successful cost structures for servicing their clients. Consequently, they're not terribly concerned with how efficiently the selling firm (which they will essentially be shutting down) has been operated. In fact, "sophisticated" buying firms actually look to acquire inefficiently run firms, in the hope that the selling advisor will undervalue their firm.
But whether the buyer is looking to integrate additional clients into his or her own firm, or intending to operate the purchased firm as a standalone business, he or she has to play particular attention to the quality of the clients—and their assets—being acquired.
That "quality" would include clients' age, their degree of loyalty and whether there is anything about the new client base that is more expensive to service than the existing clients. That is why most deals are done between firms with very similar client bases, in terms of AUM/client and investment needs. And most deals—whether they are revenue or profit based—include incentives for the seller based on the transfer and retention of the clients and their assets.


text: Monday, February 11, 2013 Preparing for Successful Accreditation in Medical Rehabilitation Register today for CARF International's 2-day training session to gain valuable insight into the accreditation process, and learn how to avoid the pitfalls some organizations may experience on their accreditation survey. This comprehensive and interactive training session provides an appropriate forum to assimilate the ASPIRE to Excellence® quality framework. In addition, the session will highlight practical examples of demonstrating conformance to the standards and effective business management and service delivery practice. All areas in the 2013 Medical Rehabilitation Standards Manual will be covered. Session topics include: the CARF accreditation process and what happens during a survey helpful tips in preparing for your CARF survey a review of the 2013 standards, including the ASPIRE to Excellence quality framework, designed to provide a logical, action-oriented approach to quality improvement a review of program standards for medical rehabilitation programs frequently cited standards This session is recommended for first-time organizations preparing for the accreditation survey process, organizational contacts new to the CARF accreditation process, or those who need a quick update and refresher course. APTA is a member of CARF's International Advisory Council.


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On Tuesday, Corporate Insight released a preview of research expected to be published in October that examines the effect of online financial advice startups on the industry.
Corporate Insight studied more than 100 online financial advice startups for almost two years for the report. Tuesday's release examined algorithm-based advice and what it does for consumers.
"This kind of effort is to understand what's next," Grant Easterbrook, senior research analyst for Corporate Insight, told ThinkAdvisor on Thursday. "I've done a lot of interviews with the entrepreneurs who lead these firms. The goal is not exactly to pitch 'Startup X will win, Startup Y will fail.' It's more to understand the broader trends here."
Algorithm-based advice relies on the consumer entering information about their investment accounts. The service then provides advice based on that data. Corporate Insight noted that the best of these firms provides specific recommendations for funds the consumer holds. The report found these automated advisors also typically provide general guidance on the overall asset allocation, risk, diversification and tax efficiency of the consumer's portfolio.
Easterbrook noted that an automated service "doesn't really compare" to working with a traditional advisor, but added that they're not trying to.
"These services are not necessarily trying to replicate the traditional advisor relationship," Easterbrook said. "In fact, one of the criticisms I've heard across the board of some of these firms is that they overemphasize investor questionnaires, or they don't ask enough questions. The reality is if you ask someone, 'If the market went down 10% in the next month, what would you do?' they have no idea. The average person doesn't understand these things. The entrepreneurs tell me the flip side of that is to find the optimal number of questions that people will actually complete. The more questions you ask, the less likely someone is to finish the questionnaire and sign up."
The report found various pay models among automated financial services. Some provide all of their services for free. Some use a "freemium" model where basic services are provided at no cost while the service tries to upsell consumers on more advanced services.
The amount of data required and the sophistication of the advice provided was higher among paid services, according to the report, although some have found ways to differentiate themselves. Financial Guard detects whether consumers prefer passive or active investments, and Quovo has developed a PDF statement reader that analyzes consumers' past statements to study their investing history and behavior.
"Free services tend to grab your attention by pulling out how much you're paying in fees, versus the paid services, which sort of want to be your advisor," Easterbrook said. "They're pulling out ways to trade, but the headline item isn't going to be 'You paid this much in fees.' It's going to more about what you need to do to bring your portfolio in line with your goals."
One drawback to these services is that they don't collect information on consumers' overall financial situation or their goals, Corporate Insight found. "While there's value in receiving investment recommendations, it would be better if the analysis were based on a truly comprehensive understanding of the client's financial situation," according to the report. Better advice could be provided if the services collected data on "everything from the current value of their spouse's 401(k) to expected life events, such as sending children off to college."
The report found some services allowed consumers to assign goals to individual investment accounts, but these features were limited and frequently only available for retirement goals.
"To be fair, this is a new technology, but right now the emphasis tends to be on retirement," Easterbrook (left) said. "The only real goal you can set these up for is retirement. What about saving for college? What about saving for your home? What about your spouse's 401(k)? It's pretty limited at this point, but it's still very useful."
Another drawback is how comfortable consumers themselves will be with acting on the advice provided. The report noted that consumers who use paid services put themselves at a special disadvantage if they don't follow through with the recommendations: "Imagine paying for an advisor but only placing a quarter of the trades he or she recommends; eventually, the value of this advice would be called into question."
Despite the drawbacks, for consumers these services are still better than nothing. "The problem is the average industry planning tool doesn't give you actual advice," Easterbrook said. "It may tell you if you have a 60/40 portfolio or if you have to retire a couple of years later. That's not telling you what to actually invest in. What these services do is they lay it out for you. Using aggregation they tell you, 'You need to buy these funds, you need to sell these funds, hold these and here's why.'"
Corporate Insight suggested one way consumers might use algorithm-based advice services is as a "second opinion" to their own financial advisor. Clients who already pay for an advisor can use one of the free services to compare the fees they've paid their advisor to what they might pay if they chose different funds. Easterbrook noted that free services were especially useful in that regard. "For some of the free services, they emphasize fees," he said. "You can grumble about how much you pay your advisor, but when you can actually see in front of you how much you spent on load fees this year, it's a whole other ball game. It helps people wrap their head around things."
Do-it-yourself investors with multiple accounts also stand to benefit from these types of services. Corporate Insight suggested automated services could serve as a way to highlight problems that aren't obvious in investments spread between various accounts and financial institutions.
"This technology is here to stay, whether or not some of these free services succeed or even paid ones," Easterbrook said. "I don't think every one of these firms is going to succeed. Why it's one of the most interesting groups is a lot of these firms have B2B partnerships, or B2B partnerships are soon to be announced. That makes them a lot more stable in the long term. If there's a major correction they still have the revenues from their contracts. If it's just B2C, that's very hard. If trading goes down, people panic: then what happens to the firm?"
Check out Technology and the Successful Advisory Firm of the Future (and Now) by Michael Kitces on ThinkAdvisor.


text:
LIMRA and LOMA are launching the Secure Retirement Institute to encourage education and research on improving retirement readiness. Robert Kerzner, president and CEO, announced the effort at the 2013 LIMRA Annual Conference in October.
"Retirement is top of mind for most Americans, but our research shows that many consumers have not saved or planned enough to achieve a financially secure retirement," Kerzner said in a statement. "While there has been much debate on what is causing this lack of preparedness, I think we can all agree that getting a better understanding of the fundamental issues undermining Americans' financial security in the hands of decisions makers is critical and would help certainly move us in the right direction."
The course focuses not on advisors, however, but on back-office staff at firms in the retirement industry, even those who may not necessarily interact with clients.
"There are a lot of programs for advisors, but we know that people in the back office can be siloed. They don't always see the broader picture. Research has shown that employees with a better idea of where they fit in the company are more productive and more creative," Catherine Theroux, director of public relations, told ThinkAdvisor on Friday.
The program is divided into three parts. The first course will be available on Monday and will provide a basic understanding of the retirement industry, Theroux said: "what's going on the industry, different products, challenges consumers are facing."
Employees who complete the courses in the first portion of the course will earn a Certificate in Retirement Essentials.
The second and third portions of the program will be available in the beginning of 2014. The second portion will introduce more strategy and research, with more information about product development and marketing. Employees who complete those courses will earn an Associate, Secure Retirement Institute (ASRI) designation. The third portion focuses more on back-of-house issues than sales, Theroux said. It includes more interactive sessions on the regulatory, legislative and economic challenges to the industry. Employees who complete those courses will earn a Fellow, Secure Retirement Institute (FSRI) designation.
Theroux pointed out that "retirement is a universal challenge. Whether you're in the business or not, everyone wants to retire."
Employees at LOMA member companies can pay $220 per course for the initial portion of the program. The price for non-member employees is $330. The Associate and Fellow portions will be priced higher.
The Secure Retirement Institute's board is made up of executives from several major firms in the industry.
- Gumer Alvero, Executive Vice President and General Manager, RiverSource Annuities, Ameriprise
- William Anderson, Senior Vice President, American Funds Distributors Inc.
- Maliz Beams, CEO of Retirement Solutions, ING U.S.
- Gregory Burrows, Senior Vice President of Retirement and Investor Services, Principal Financial Group
- Dewey Bushaw, Executive Vice President of Retirement Solutions Division, Pacific Life Insurance Company
- Kent Callahan, President and CEO of Employer Solutions and Pensions Division, Transamerica
- Chip Castille, Managing Director, BlackRock Inc.
- William Chetney, Executive Vice President, LPL Financial Services
- Charles Cornelio, President of Retirement Plan Services, Lincoln Financial Group
- Aimee DeCamillo, Vice President of T. Rowe Price Group, Inc. and Co-Lead of Retirement Plan Services
- Peter Gordon, President and General Manager, John Hancock Retirement Plan Services
- John Grogan, Jr., Senior Vice President of Planning and Sales, Northwestern Mutual
- Eric Henderson, Senior Vice President of Life Insurance and Annuities, Nationwide Financial
- David Levenson, Principal, Retirement, Insurance and Banking, Edward D. Jones & Co., L.P.
- Drew Lawton, Senior Managing Director of Retirement Solutions and Third Party Distribution, New York Life Investments Group
- Bill L. Lowe, President, Sammons Retirement Solutions
- Julia McCarthy, Executive Vice President of Workplace Marketing, Solutions and Experience, Fidelity
- James McCool, Executive Vice President of Client Solutions, Charles Schwab & Co., Inc.
- Edmund Murphy III, Head of Defined Contribution, Putnam Investments
- Charlie Nelson, President of Retirement Services, Great-West Financial Service
- Robert O'Donnell, President, Prudential Annuities
- Joseph Ready, Executive Vice President and Director of Wells Fargo Institutional Retirement and Trust, Wells Fargo
- Katherine Roy, Executive Director of Individual Retirement, JP Morgan Asset Management
- Elaine Sarsynski, Executive Vice President of MassMutual's Retirement Services Division; Chairman of MassMutual International
- Jon Stenberg, Executive Vice President and General Manager, RiverSource Insurance, Ameriprise
- Eric Thomes, Senior Vice President of Sales, Allianz Life Insurance Company of North America
Check out How Gen X Learned to Start Worrying and Love Retirement Planning on ThinkAdvisor.