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Raymond James' independent advisor conference is off to a "big" start Monday, as they say in the Lone Star State. About half of the independent reps in the group—roughly 1,600 advisors—are in the greater Dallas area for the four-day event.
The total number of guests, including sponsors, is about 3,400—making it the broker-dealer's largest of the past 38 years. For many guests, the highlight of the event will be a talk by former President George W. Bush, who lives in the area and is opening his presidential library on Thursday.
"Unlike many other firms that seem obsessed with the number of advisors affiliated with their firm, we're much more focused on the quality of advisors and helping those advisors, like you, increase their client assets," said Scott Curtis (left), president of Raymond James Financial Services in his opening remarks.
Still, Curtis acknowledged the presence of 65 prospective advisors who are attending the event to check out the broker-dealer.
He also pointed out that in 2008 RJFS included 3,150 affiliated advisors with nearly $110 billion in client assets. As of April 19, it had 3,240 advisors with close to $175 billion in client assets. "So in five years, the advisor count is up roughly 3%, while client assets have increased 60%," Curtis said.
The executive went on to highlight the firm's latest technology-focused initiatives and other steps it is taking to assist its independent and other reps.
"In a nutshell, our primary focus is supporting you and your teams," he said. "So yes, we're focused on growth–which includes affiliating other high-quality advisors–but not to the extent it distracts us from supporting the advisors who are already part of this organization."
Part of the broker-dealer's focus this year, he says, is succession planning. In 2012, the firm expanded the practice planning and acquisitions team to four employees.
"We're pleased to report that close to 50% of Independent Contractor Division branch owners have a plan on file, and over 70% of Leaders and Chairman's Council members [do]," he said. "But that still means there are too many of you who don't."
Over the past 18 months, this group has helped Raymond James' independent reps complete 70 practice acquisitions, 63 of which have been of other RJFS' books of business. These deals entailed total client assets of over $2.5 billion.
IT Issues
As Raymond James has ramped up its technology and platforms, advisors have adjusted their IT goals. In 2012, advisors said their "must haves" concerned client reporting, advisor access and integration, goal planning/monitoring (GPM) and proposal/model-portfolio trading. This year, the reps are still focused on client reporting and integration (including advanced search functions). But they say their other IT priorities are associated with the opening of new client accounts/e-signatures, money movement, and an enhanced portfolio management center for proposals, discretionary trading and rebalancing.
Vin Campagnoli, chief information officer for RJFS' parent firm (RJF), says that the high level of investments it is making—both financially and otherwise—is resulting in big improvements. The firm spends over $200 million a year on technology. (It will report earnings late Wednesday.)
"We have increased our spending 30% over the past two years," Campagnoli said early Monday. "No one else [in the industry] can say that."
He acknowledged that IT "stability" in recent months had not been steady but pledged to improve that situation along with overall innovation. "I recognize that technology is worthless if it's not available," he said.
Still, Raymond James has sharply improved its IT performance in the four areas identified as priorities by reps in 2012. Plus, the firm has helped advisors complete nearly 19,000 plans with its GPM technology; the plans affect more than $7 billion in assets held by clients in non-Raymond James accounts.
"As a firm, we have to recognize innovation and be in front of it—not behind," Campagnoli noted.
At the conference, close to half of the 3,400 attendees—some 1,500– have downloaded the conference application onto their mobile devices. Also, one-third of advisors have installed the Mobile Iron security program on their phones and tablets.
"Technology is the reason I came" to Raymond James, said Jason Blount, an independent advisor in Richmond, Va., who affiliated with the broker-dealer two months ago. "They're head and shoulders above what I've seen elsewhere. It's easy to use. It's refreshing."
As the broker-dealer pushes its reps to embrace more technology and assets, the firm is more committed than ever to giving them the support they need, its leaders say. "Our success as a business depends on your growth and success," Curtis said. "That's well understood by everyone at the firm."
Advisors attending the annual conference appreciate the approach.
"I'm here for the community and camaraderie," said Flora Avers of Ashland, Ore. "The support is incredible, and I really appreciate what they're doing in areas like succession planning."
Read Raymond James-Morgan Keegan Fully Integrated on AdvisorOne.


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Enjoying Hot air balloon trips is something the entire family can $do, but it is also a great way to celebrate a birthday! When you speak with the company you are considering riding with, always to ask how many other passengers will be flying with you.
When it is time for your flight, your pilot will offer to let you help with the assembly and inflation of the balloon. Go ahead and do it - it adds to the experience!
What is it like flying in a balloon?
You'll be amazed the first time you go for a balloon ride! The feeling is unlike anything else. It is very calm and serene, and not frightening at all. The view is spectacular, and depending on the location of your balloon flight, you're likely to see local wildlife as never before. It is very quiet except for the occasional WHOOOSH of the burner, and you can talk to people on the ground!
The 360 degree view is spectacular as you drift silently above the world. You may brush gently through the treetops or soar thousands of feet above the earth; either way you'll be thrilled at the peace and serenity of your adventure.
Famous Balloon Quote:

subset: commoncrawl


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Hi Everyone!
I have added the March 2020 Schaumburg Township District Library Genealogy Newsletter as a PDF file into the NEWSLETTER Category on the right sidebar of the blog.
Here is a direct link to the March 2020 Newsletter for your convenience:
March 2020 Schaumburg Township District Library Genealogy Newsletter
Take a look at it if you choose to browse through it in advance of our Genealogy Program that will take place on Tuesday evening, March 10, 2020 at 7:30 PM at our main library location at 130 S. Roselle Road in Schaumburg, IL.
You can read the newsletter online or you can save it as a PDF file to your own computer for reading offline and more detailed searching through all of the contents.
Please note that the Newsletter has Bookmarks and Hyperlinks within the document to make for fast navigation from within the Table of Contents. You can quickly get to the spots that interest you from the Table of Contents.
Enjoy the newsletter.
Tony Kierna
Genealogy Coordinator
Schaumburg Township District Library


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It took only a couple of years for Joseph Gordon-Levitt to start auditioning for parts, then break into the acting career that�s made him one of the busiest guys on the screen today. That�s no big deal except for the fact that he started those auditions, driven to them by his mom, when he was 6. Now 32, he�s built up quite an impressive r�sum�. He was already something of a veteran TV actor when he landed the part of Tommy, the wise old alien in a human child�s body on �3rd Rock from the Sun,� and has gone on to star in films including �(500) Days of Summer,� �Inception,� �The Dark Knight Rises� and �Looper.� But Gordon-Levitt, who also sings and plays guitar, is now complementing his acting chops by stepping behind the camera. He�s written and directed � and co-stars with Scarlett Johansson and Julianne Moore � in the new sex-porn-addiction comedy �Don Jon.� He recently spoke about breaking in, developing the new film and figuring out how to direct.
What got you interested in acting at such a young age?
I was born and raised in Los Angeles, and it was just one of the things I did. I played baseball and took piano and was in a choir. The music teacher who taught the choir started doing musical theater, and some of the kids in those classes were going on auditions. So I started going on auditions and really loved it.
You�ve been acting for a couple of decades. When did you first consider directing?
I think it always interested me. From the very first time I was on a set, it fascinated me to see so many people doing so many different, very specific things, all working together.
But wasn�t the idea of being the guy in charge a little daunting?
No, I didn�t think of it that way. An actor�s performance in a movie is not just made by the actor. So when I came up with the story for �Don Jon,� I didn�t want to just act in it. I had ideas for what I wanted the camera to do, what I wanted to do with the editing, what I wanted to do with the music. That�s why I wanted to direct the movie, so all those things could come together.
How did you learn to direct? Have you been taking notes on sets all these years?
I don�t know if I actually wrote down notes, but I was certainly paying a lot of attention. In 2011, the year leading up to shooting �Don Jon,� I got to work for three excellent directors: Rian Johnson on �Looper,� Christopher Nolan on �The Dark Knight Rises� and Steven Spielberg on �Lincoln.� They�re certainly all different filmmakers, but one thing I noticed that they had in common was they all have a really good balance between having a thorough plan but also being open to new ideas and spontaneity. That�s a balance that I think is right at the crux of being a director, because the decision you have to make all day long is �Do we stick to the plan or do we try this new thing?�
How did �Don Jon� actually come to be?
My earliest notes on it were from 2008. So in one form or another, I had this idea of a relationship between a young man who watches too much pornography and a young woman who watches too many romantic Hollywood movies. I obviously wasn�t writing it full time, but I�d always have new ideas about it. But in 2010, when I was in the middle of shooting �50/50,� I first conceived of it as a comedy. Once that clicked in, and I started picturing this version of a Don Juan character, and it started making me laugh, that�s when I really couldn�t stay away from it. So whenever I had a few spare hours, I would go back to it, write more notes, outline the story and think about how it would work.
A director really has to see the whole picture, and know what all the characters are thinking. Did you have to stop being the director while you were acting in the movie?
Sure, but I think what was really important was that I was so familiar with the material, because I had written it. I was way more familiar with this material than I was on any other acting job I�d ever done. Typically you spend a few months with a script, but this was for years. And I found that being in front of the camera, being in the scene, was the vantage point from which I could direct the best. That�s how I could gauge how it was going.
�Don Jon� opens on Sept. 27.
Ed Symkus covers movies for More Content Now.


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By Jay Reeves / AP
Wildlife lovers are protesting a new state rule in Alabama they say is a death sentence for helpless baby raccoons, skunks and other wild animals there.The Alabama Department of Conservation and Natural Resources said Thursday that it will no longer issue permits for the rehabilitation of certain orphaned or injured raccoons, skunks, opossums, foxes, coyotes, feral pigs or bats.
Anyone who finds an orphaned or hurt animal should leave it in the wild, the agency said, and humane organizations should euthanize any of the animals they receive.
"Animals die every day. Every animal has to eat, and every animal has its place in the food chain," he said. "This may be a cruel way to put it, but it's survival of fittest. It really is."
The decision has sparked outrage among wildlife workers like John Russ, who takes in 30 or so of the affected species at the Shamballa Wildlife Rescue site he runs in northeast Alabama.
State rule or not, Russ said he will neither turn away animals to die nor euthanize orphans brought to his shelter in Scottsboro.
"It's immoral. How could I sleep if I did?" he said.
Countless animals die after being hit by vehicles and in other accidents every year. Some leave behind their young. Alabama doesn't keep statistics on how many wild animals are rescued annually so it's impossible to say how many might be affected by the rule.
State law includes possible fines for illegal possession of wild animals in some cases.
Kim Robinson of Huntsville, a volunteer with North Alabama Wildlife Rehabilitators, said she is leaving the organization rather than abide by a rule she calls "irresponsible and reckless."
She said she expects few people would be willing to leave an orphaned animal to die in the wild or turn it over to be euthanized. Furthermore, she said, people will try to raise wild animals on their own rather than turning them over to trained rehabilitators, creating a greater risk of disease for both humans and domestic animals like dogs and cats.
"People are not going to kill these cute little animals after they see their mamas killed on the street or something," she said.
Follow AP writer Jay Reeves on Twitter at —http://twitter.com/Jay_Reeves
Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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"In recent years, monetary and fiscal stimuli across the world have led to the assumption that serious inflation, if not hyperinflation, is on its way. I believe chronic deflation is more likely."
So begins AdvisorOne contributor and perma-bear A. Gary Shilling in a piece for Bloomberg Thursday, one that flies in the face of conventional inflation wisdom.
"The expectation of rising prices is reasonable," Shilling concedes. "Most people have only experienced inflation. The last meaningful episode of deflation was in the 1930s. That's also the last time the U.S. was truly at peace. Deflation is a peacetime phenomenon."
Yet he argues that even though deflation has been forestalled in the past decade, disinflation—declining rates of inflation—has prevailed since the early 1980s. Indeed, the consumer price index fell in November and December and was unchanged in January, he writes. For February, the cost of living in the U.S. was up 0.7%, the first increase in four months and the biggest since June 2009. Nonetheless, expectations for inflation over the next 10 years are for a continued drop.
So what are some of the factors he says will contribute to deflation?
Deleveraging: "In a normal economy, chronic deflation would already be well established. Our global economy, however, is dominated by deleveraging in the private sector and financial institutions, and is highly deflationary. These actions are overpowering the effects of stimulus programs since 2007 …The liquidity created by central banks is tiny compared with the destruction wrought by deleveraging financial sectors. The decline in securitizations is just one aspect of this contraction. Banks are eliminating or writing down off-balance-sheet vehicles substantially. Governments are increasing capital requirements even as banks dump assets to raise capital ratios."
Increased Saving: The U.S. household savings rate fell to 1% in 2005 from 12% in the early 1980s, he explains. This decline of about one-half a percentage point per year meant that consumer spending rose on average around a half percentage point faster than GDP, adding about the same growth to total economic activity once multiplier effects were included. U.S. imports drove growth in Asian and other export-led economies.
Savings Rate: "In the years ahead, I expect the half-percentage-point annual drop in the savings rate to be replaced by a one- percentage-point annual gain. This would slice 1.5 percentage points off consumer-spending gains as well as GDP growth, after multiplier effects are accounted for. That alone would drop aggregate growth to 2.2% from the 3.7% annual increases in the period from 1982 to 2000."
Other Deflationary Forces: "Fertility rates are below the replacement level of 2.1 in most industrialized countries, and populations around the world are aging. As a result, the ratio of working-age people to total population will shrink, retarding economic growth. Substandard education systems, especially in the U.S., restrain productivity growth, employment gains and economic advances. Instead of investments in education, research and productivity-enhancing capital equipment, the emphasis has been on consumer spending, housing and financial assets, which do little to enhance productivity and can curtail growth."


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Promotional video for Madrid. An aerial tour of the Plaza Mayor and its surrounding areas.
Cibeles Fountain
Royal Palace
Puerta de Alcalá arch
Prado Museum
Puerta del Sol
- Autonomous region: Madrid Region
- Province/Island: Madrid
Madrid, the capital of Spain, is a cosmopolitan city that combines the most modern infrastructures and the status as an economic, financial, administrative and service centre, with a large cultural and artistic heritage, a legacy of centuries of exciting history.
Strategically located in the geographic centre of the Iberian Peninsula at an altitude of 646 m above sea level, Madrid has one of the most important historic centres of all the great European cities. This heritage merges seamlessly with the city's modern and convenient infrastructures, a wide-ranging offer of accommodation and services, and all the latest state-of-the-art technologies in audiovisual and communications media. These conditions, together with all the drive of a dynamic and open society –as well as high-spirited and friendly– have made this metropolis one of the great capitals of the Western world.
It has been populated since the Lower Palaeolithic era, although it was not until 1561 that King Philip II made Madrid the capital city of his vast empire. The historic centre, also known as the "Madrid of Los Austrias" (in reference to the Hapsburg monarchs), and the spectacular Plaza Mayor square –inaugurated in 1620 and one of the most popular and typical sites in Spain– are a living example of the nascent splendour of the city in the 16th and 17th centuries.
Near the Plaza Mayor is the area known as the "aristocratic centre" where the jewel in the crown is the Royal Palace, an imposing building dating from the 17th century featuring a mixture of Baroque and classicist styles. Beside it is the Plaza de Oriente square, the Teatro Real opera house, and the modern cathedral of La Almudena which was consecrated in 1993 by Pope John Paul II. The Puerta del Sol square is surrounded by a varied and select area of shops and businesses, and the "Paseo del Arte" art route –whose name derives from its world-class museums, palaces and gardens– are further elements in an array of monuments which includes particularly the Bank of Spain building, the Palace of Telecommunications, and the fountains of Cibeles and Neptune.
Art and culture play a key role in Madrid's cultural life. The capital has over 60 museums which cover every field of human knowledge. Highlights include the Prado Museum, one of the world's most important art galleries; the Thyssen-Bornemisza Museum, with over 800 paintings ranging from primitive Flemish artists through to the avant-garde movements. And the Reina Sofía National Art Centre, dedicated to contemporary Spanish art and containing works by Picasso, Joan Miró, Salvador Dalí and Juan Gris, among others.
Madrid's extensive and beautifully maintained parks and gardens –like the Retiro park, formerly the recreational estate to the Spanish monarchs, the Casa de Campo and the Juan Carlos I park– offer inhabitants and visitors the chance to enjoy the sunshine, stroll, row on its lakes or feed the squirrels, in one of the greenest capitals in Europe. The importance of its international airport, which every week receives over 1,000 flights from all over the world, its two Conference Centres, the modern trade fair ground in the Campo de las Naciones, and over 80,000 places in other meeting centres make Madrid one of Europe's most attractive business hubs.
But if there's one thing that sets Madrid apart, it must be its deep and infectious passion for life that finds its outlet in the friendly and open character of its inhabitants. Concerts, exhibitions, ballets, a select theatrical offering, the latest film releases, the opportunity to enjoy a wide range of the best Spanish and international gastronomy, to savour the charms of its bars and taverns... all these are just a few of the leisure options on offer in Madrid. There is also a tempting array of shops and businesses featuring both traditional establishments and leading stores offering top brands and international labels.
Madrid's lively nightlife is another key attraction of Spain's capital, due to its variety and the exciting atmosphere to be found in its bars, pubs, clubs and flamenco halls. Other daytime entertainment options include traditional outdoor dances, popular festivities and the San Isidro bullfighting festival, regarded as being the most important in the world.
- See all the information on the destination at: www.esmadrid.com/en
Must see views in: Madrid
Museo Nacional Centro de Arte Reina Sofía
Pablo Casares
Turismo de Madrid
In the following map you'll find the locations of all the incredible views that we have recommended. Don't miss a thing!
Madrid For you
An attractive blend of tradition and modernity
Madrid has many artistic attractions, thanks to the different styles that have left their imprint in the city over the centuries.
From the remains of the old Arab wall, to small Gothic churches and early Renaissance works, Madrid boasts a multitude of rich and varied works of art. Madrid comes from the Arabic word Magerit ("mother of waters"), which was the name that was given to the fortress built on the banks of the Manzanares River by the Umayyad of Cordoba, Muhammed (823-886). Although the city grew under the Arabs for two hundred years, the only remains still standing from that period are the wall and a few towers, which were turned into bell towers. The arrival of Los Austrias –as the Hapsburg dynasty was known– in the 16th century, and at the period of maximum splendour in the 17th century, brought about the monuments that today make up one of the most famous parts of the city –the area of "Los Austrias"–, along with the Plaza Mayor square, and a number of beautiful sites churches and convents. The austere Baroque façades contrast with the luxurious interiors of the palaces. The 18th century left a Neoclassical imprint, with the Royal Palace, Sabatini Gardens, and Campo del Moro gardens, which are in the city centre. The church of San Francisco El Grande, the fountains in the Paseo del Prado, the Puente de Toledo bridge, the Prado Museum and the Puerta de Alcalá arch are also in the Neoclassical style. Madrid's more modern and avant-garde areas are the two avenues in the new urban expansion area –the Gran Vía and Paseo de la Castellana. The Gran Vía, which was built at the beginning of the 20th century, is a place for shopping, leisure and hotels. The Paseo de La Castellana crosses the city from north to south, and has some of the most elegant hotels in the city, as well as corporate offices in modern and avant-garde buildings. And although Madrid is home to a truly outstanding architectural heritage, there is no question that its greatest artistic wealth is to be found in its art galleries.
Three nearby museums, located a stone's throw away from each other, make what is known as the Paseo del Arte art route. These are the Prado, the Thyssen-Bornemisza, and the Reina Sofía National Art Centre. The Prado Museum is considered by many experts to be the world's most important art gallery, thanks to its vast and comprehensive collection of 16th-, 17th- and 18th-century art featuring some of the greatest works of the Italian, Flemish and Spanish schools. The Prado is home to works by artists such as Hieronymus Bosch, Rubens, Goya, Velazquez, Murillo, Fra Angelico, Botticelli, Titian, Raphael, Watteau, Tintoretto, El Greco, Ribera, Zurbarán, and a very long etcetera, in addition to a magnificent collection of classical sculpture. The Prado Museum offers private guided tours for groups, outside opening hours, to make this encounter with art an unforgettable experience. The Thyssen Bornemisza Museum is home to a private collection that was definitively bequeathed to the capital in 1993. It is regarded as outstanding because it contains a highly representative selection of art from a broad period of time, featuring primitive works of 13th-century painting through to the 20th-century avant-garde movements. Dürer, Tintoretto, Degas, Kandinsky, Goya, Cezanne, Matisse, Dalí, Miró, Picasso and Renoir are just some of the artists in this collection. The Paseo del Arte ends at the Reina Sofía National Art Centre, famous for housing Picasso's Guernica and for its collection of mainly Spanish contemporary painting. The importance of these three great art museums has unjustly eclipsed all the wealth and variety of the other museums to be found in Madrid. If time allows, visitors can choose from dozens of options, including such worthwhile art galleries as the San Fernando Royal Academy, through to the municipal museums and museums dedicated to particular themes such as the Romantic Museum, the Railway Museum, the Naval Museum, the Army Museum, the Museum of the Americas, the National Archaeological Museum, the National Museum of Natural Sciences, etc. Madrid is also the site of a series of palaces and monuments that together comprise one of the most important heritages in Western history. The National Heritage organisation is responsible for safeguarding these national assets subject to the use and service of the Crown, in addition to the administration of the convents and monasteries founded by the monarchs over the centuries. These institutions contain a great wealth of artworks, and for centuries served as a driving force for Spain's culture. This group of monuments, open to the public, includes the Royal Palace in Madrid, the Pantheon of Illustrious Men, the Descalzas Reales Monastery, the Royal Monastery of La Encarnación, the El Pardo Royal Palace, the Aranjuez Royal Palace, the Royal Monastery of El Escorial, the Casita del Príncipe in El Escorial, the Casita del Infante in El Escorial and the Benedictine abbey of Santa Cruz del Valle de los Caídos. One of the simplest and most convenient ways to discover the broad range of cultural attractions on offer in the Spanish capital is using the Madrid Card. It includes entrance to emblematic monuments and to more than 40 museums in Madrid and the surrounding area. It also offers the chance to take all the guided visits in the "Discover Madrid" programme offered by the City Tourist Board. It is on sale at tourist offices or online at www.madridcard.com.
Museo Nacional Centro de Arte Reina Sofía
Pablo Casares
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Natural surroundings to be discovered
In Madrid there are many natural spaces with varied landscapes - from the Sierra de Madrid mountains, which is full of beautiful locations for practising snow and mountain sports, to the Aranjuez plain or the landscape of La Mancha in the area surrounding Alcalá de Henares.
Golf, sailing, windsurfing, horse riding, hot-air balloon trips and hiking are some of the possible activities. The people from Madrid also like to look after their many urban parks and gardens, some of them well-known historically like the Royal Residence of Aranjuez gardens, the Retiro Park in Madrid or the Casa de Campo park. Others were created recently, like the Juan Carlos I Park or the Tierno Galván Park. They can be found in different urban areas and are very beautiful green spaces.
Turismo de Madrid
Turismo Madrid
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Madrid, a showcase for Spanish cuisine
Madrid's tapas represent almost all the Spanish gastronomy.
Thanks to the excellent seafood, Iberian ham and cold meat, a variety of pickled vegetables, typical dishes such as prawns in batter, tripe or snails, excellent cheese, "pinchos" and casseroles, and all types of wine from all over the country, Madrid is the capital of tapas.
For young people
Leisure and enjoyment, day and night
Madrid is a city where young people will find leisure and enjoyment, day and night.
There is a host of possibilities. The Dos de Mayo fiestas, the Veranos de la Villa festival or the Autumn Festival are some of the examples of an agenda full of cultural and leisure attractions all year round, and that includes many activities for young people, such as concerts, cinema, theatre or dancing. Coming to a large city always has its privileges, such as being able to go to gigs by international artists, or to watch Real Madrid play in the stadium. Madrid comes alive at night, especially at the weekend. Discos, bars, cafés and fashionable clubs in different leisure areas and districts offer the best nightlife. And when the weather starts to get hot, the best thing is to have fun and hang out until the early hours of the morning in one of the many summer terraces that appear on the streets and avenues. Malasaña and the area surrounding Dos de Mayo square are the main places to hang out at night in Madrid. The university atmosphere is in Argüelles and Moncloa, and there are many fashionable clubs in Paseo de la Castellana and the streets around it. There is also a series of public initiatives that offer an alternative plan for the night, with a whole range of free activities that take place in several centres: sports, Internet, games, theatre workshops, music, dancing, etc. Sports lovers will find magnificent facilities to practise their favourite sport professionally. And if they prefer open-air sports, the outskirts of the city provide an ideal environment for hiking, horse riding, cycling, mountaineering, and any of the winter sports, including skiing and snowboarding.
To those who prefer cultural activities, Madrid offers museums and exhibitions, with special prices for young visitors. Holders of an International Student Identification Card - ISIC card, or a student ID will get significant discounts at the doors of most museums and exhibitions. Visitors under 18 can get into important museums like the Prado and Queen Sofía museums free of charge, showing proof of age. Travelling around the city, youngsters also have it easy, as there is a monthly public transport pass with a special price for people under 23.
With children
Fun all year round
Madrid has a wide variety of leisure activities for children. Animal and nature lovers will be able to enjoy memorable moments in the Casa de Campo Zoo Aquarium and at Faunia, a "bio-amusement" theme park, which offers a fun approach to nature. Those who like more action will love Madrid's Amusement Park and the Warner Bros Madrid theme park, one of the most spectacular in the world.
In Madrid, museums are not only for adults. The Planetarium, with its 3D cinema screen; the Pérez the Mouse Cottage Museum centred on the character who it's said gives a present to the children for every tooth they lose; or Micrópolix, a centre located in San Sebastián de los Reyes (half an hour from Madrid) that simulates a city where the kids learn the various adult professions, are good examples. But there are also numerous other museums and exhibitions that organise specialised guided tours for school trips and children in general.
Madrid con niños
Madrid's calendar of cultural events also takes into consideration the needs of the youngsters, including in its theatre performances intended for children, special seasonal activities such as the Cabalgata de Reyes (the Twelfth Night procession), and Juvenalia, the Annual Children's and Youth Fair, that takes place in the Juan Carlos I Trade Fair Complex. In addition, most cinemas in the city have weekend morning sessions for children. During the summer, children can enjoy the wonderful facilities available in Madrid, such as public swimming pools, or water parks , like the ones in Villanueva de la Cañada and San Fernando de Henares. Madrid's mountains, situated to the north of the city, are a great choice for playing in the snow with youngsters during the winter months.
© Parque Warner
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A whole range of options to please everybody
Everything from fabulous antiques to the very latest designs: the window displays with furniture, top fashion labels, gifts, souvenirs and speciality foods will delight visitors strolling through the city's streets. There's a whole world of shopping possibilities in Madrid's shops, shopping centres and street markets.
Madrid has numerous shops and shopping centres to entice visitors of all ages out on a shopping trip… and many of them, both in the centre and in the suburban areas, are open all day. There are five main shopping areas in Madrid: Salamanca, Chueca, Centro, Princesa and Cuatro Caminos.
Other useful information
Opening times: most of the shops and shopping centres are open from 10am to 8.30 or 9.30 in the evening. Traditional shops open from 10.00 to 14.00 hours and from 16.30 to 20.30 hours. Sales: the winter sales generally begin in the second week of January and go on until the end of February, and the summer sales begin on 1 July and run until the end of August. How to pay: most people pay in cash or with a credit card, when you must show your passport or identity card. Tax free: residents from outside the European Union are entitled to have Value Added Tax (IVA) refunded on purchases of more than €90.15. Madrid Shopping Tour: this is a guided minibus tour of Madrid's main shopping areas, and includes discounts in several different establishments. Another option is the Shopping Vip-Pack, which offers exclusive services such as delivery of your purchases to your hotel, and discounts and free gifts in participating shops. Las Rozas Village Shopping Tour: just 30 minutes outside Madrid, this option offers a day of fashion in over 95 cut-price outlet shops with goods by major Spanish and international labels, with a range of exclusive advantages. More information on www.lasrozasvillage.com.
A strategic point devoted to service
Madrid is exceptionally well equipped for trade fairs, conferences, and exhibitions, with two convention centres, and two trade fair complexes. Equipped with the most modern service facilities, the city's capacity and high standards attract more than five million professionals each year, who attend a variety of events.
Lavish palaces and castles mingle with modern buildings in Madrid, giving rise to a varied selection of venues for holding conferences, meetings, and all kinds of receptions. Here, each event will find a suitable venue, depending on the particular atmosphere it requires. All this makes of Madrid a rising travel destination, one of the world's favourites for holding business conferences and conventions. Fully aware of this, the city's range of accommodation is constantly growing and improving. Madrid's hotels are of exceptional quality, and the city has more than sixty-five thousand beds, half of which are in four and five star hotels. The premises, way above the European average, combine comfort with outstandingly professional, friendly, and personalised service. The accommodation, geared to conference, incentive, business, and cultural travel, is equipped with all the facilities necessary for holding meetings.
Madrid comes alive at night, especially at the weekend. Discos, bars, cafés and fashionable clubs in different leisure areas and districts offer the best nightlife. And when the weather starts to get hot, the best thing is to hang out at one of the numerous and lively summer terraces that appear in such profusion on the streets and avenues. Here are a few ideas to guide you when you set out to enjoy a night out on the town, from the early evening until the sun come up.
Early evening (between about 8 and 11 pm) Musicals and theatre: Madrid offers the chance to spend an unforgettable evening in the theatre with a whole range of musical shows every season. Some are completely original, and you'll only find them in Spain. Others are adapted classics not to be missed, and which in Madrid can be enjoyed in unique style. To get an idea of the wide offer of musicals you'll find, just take a stroll down the Gran Vía avenue and see the theatres on both sides of the streets. Going out for tapas: Madrid is the ideal city for enjoying the popular custom of "going out for tapas": moving from one bar to another with your friends and enjoying delicious bite-sized portions of typical local specialities (potato omelette, spicy fried potatoes in sauce, croquettes, squid, cod, bull's tail…) accompanied by a refreshing glass of beer or a good wine, and interesting conversation. In the historic centre (mainly in the neighbourhoods of Huertas and La Latina, near the Plaza Mayor) you'll find classic taverns (with their unmistakeable tile-covered façades) and modern venues where in addition to tapas you can order "raciones" (more plentiful dishes to share).
You'll also have the chance to sample the typical gastronomy from each of the regions in Spain, as well as cuisine from all the five continents. You won't need to go far to find all the best-known dishes from any of the world's countries, as there are numerous international and regional restaurants to choose from. Many of these are located in the Huertas area, near the squares of Jacinto Benavente and Tirso de Molina, and in the streets around Fuencarral and the Plaza de España.
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Relocation Solutions
Looking for a new community to call home, a new place to live, work and play, or a new neighborhood that brings you closer to family and friends? Ebby Halliday is ready to help you relocate … in town, across the country or around the globe. For over seven decades, we have provided buyers, sellers and renters with superior market knowledge, expertise and innovative practices. With Ebby Halliday, your move will be tailor-made for you.


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Originally known as Vans Deck Shoe 44, the Authentic is a timeless classic and has always been the face of the Vans brand. Originating in Anaheim, Cal...ifornia in 1966, this staple for the Vans brand features a canvas upper, vulcanized outsole and signature Waffle grip bottom. They are currently available in a nice array of colors and designs. Read More
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Dog Backgrounds is in high resolution and free to download. Get Super Dog and make this wallpaper for your desktop screen, tablet or smartphone device. For best results, you can choose full size to be easily customized to your screen.
To set Dog Backgrounds as background on your desktop, click on DOWNLOAD button, to save Super Dog on your computer. Then right click on the image/wallpaper you have saved and select the option "Save image as" or "Set As Background". Download picture of a white cute dog image is provided only for personal use, such as wallpaper on computers, smartphones or other display devices. If you found any wallpaper/image copyrighted to yours, please contact us and we will remove it. We don't intend to display any copyright protected wallpaper/image.
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The Finger Lakes region in central New York State is made up of a group of eleven long, narrow lakes. This area is the perfect and rare mix of good geology and geography. After the receding glaciers carved the immense troughs that are now their gorgeous lakes, they left long, sloping hillsides above the waterlines increasing "air drainage," providing optimum grape-cultivating conditions. Combine that with latitude, maturity of the vineyards (many generations old), and the expertise of some of the world's best wine-makers, and you have magnificent wines.
Yancey's Fancy Aged Cheddar with Finger Lakes Champagne is a fusion of great New York State products. Rich, local milk is used to create their classic aged cheddar, combined with Finger Lakes Champagne, you get a wonderfully moist, dense cheddar with a hint of champagne in both flavor and scent. An unusual combination that tastes great!


text: Tuesday, July 31, 2012 NQMC Launches Personalization Feature Users now can personalize the Agency for Healthcare Research and Quality's National Quality Measures Clearinghouse (NQMC) to accommodate specific interests and receive alerts on new and updated content. Through "My NQMC" recently searched terms and measure summaries will appear on the home page directly below the main search box. Users who save favorite measure summaries and organizations have the option to receive weekly e-mail alerts when favorite summaries have been updated or withdrawn from the site, or summaries associated with a favorite organization have been published, updated, or withdrawn from the site. Instructions on personalizing NQMC and setting up e-mail alerts are available on this FAQ page. Comments I'm interested in quality measurement tools for Phyiscal Therapy Posted by joan Wolf on 8/7/2012 9:09 AM


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There once was a wealthy man who married and divorced his wife six times because he loved to throw lavish parties and travel to exotic locales — and because the family trust that named him as beneficiary didn't stipulate against multiple marriages, says Tom Rogerson, Boston-based senior managing director and family wealth strategist with Wilmington Trust.
The moral of the story is that parents may very well devise strategies to motivate their children, but those strategies can backfire if they fail to communicate across the generational divide. That helps explain why family governance has become an increasingly popular tool for high-net-worth grandparents, parents and children to work together to set rules on their wealth, Rogerson says.
"Years ago, it started with this concept called incentive trusts," Rogerson told AdvisorOne in a recent interview. "Families would say things like, 'If you earn a dollar, we'll pay you a dollar out of the trust, or if you get married, we'll pay for the wedding and the honeymoon.' The problem was that there were tremendous unintended consequences, like the guy who remarried the same woman six times and had all these wonderful weddings and honeymoons paid for because the trust simply didn't stipulate anything different."
Manipulative parents, conditional love and hostile children create the conditions for incentive trusts that don't work, as the case of the six-marriage man makes clear. But as the field of family estate planning has developed, wealth managers are learning that well-designed plans aren't only about wills, taxes and property. Now they are looking to the field of family governance, which involves regular intergenerational meetings to agree on a written set of values and shared goals. And yes, behavior and psychology figure into the equation.
'You never would have been good enough'
Rogerson (right), a big advocate of family governance, joined Wilmington Trust in 2011 after serving BNY Mellon Wealth Management as managing director of family wealth services. He credits Harvard University's former senior philanthropic advisor Charles Collier for teaching him the importance of asking high-net-worth people the essential questions about what they want to preserve beyond wealth and for introducing him to "the grandfather" of family governance, James Hughes, an attorney and author of Family Wealth: Keeping It in the Family, who recommends that families write a mission statement and mentor one another through peer review.
In addition, Rogerson participates in the attorney John Warnick's Purposeful Planning Institute national conferences and twice-monthly conference calls to share best practices for legacy families and families in business. For example, while Warnick's "Seven Secrets of a Purposeful Legacy" says that trusts are usually named after their tax identity, such as a marital or dynasty trust, clients should be encouraged to give their trust a symbolic name with emotional content to promote family harmony, such as "unity trust," according to Investment Advisor contributor Olivia Mellan.
"Remember," Rogerson says, "high-net-worth parents are often Type A entrepreneurs who are very successful financially, and they hear about trusts and think, 'Great, I'll put this all together and then tell my children what they are going to do.' That's more a symptom of the problem than the solution. If you are the beneficiary of a trust that was set up by your parents, who have now been dead for 10 or 20 years, and you're still living under these rules and regulations, doesn't it seem as if they're saying, 'I've had to take care of you even though I'm dead. You would never have been good enough'?"
The grandson who preserved his family's trust
Rogerson then points to a story with a happy ending involving a three-generation meeting he attended with an ultra high-net-worth family from the Midwest whose grandfather wanted to set up a long-term, generation-skipping dynasty trust. Prior to the meeting, Rogerson had encouraged the entire family to read Hughes' family wealth book.
As Rogerson recalls, the grandfather told his family, "Look, I want to set up a trust. How should I design it so that instead of distributing to you, it would invest in you? The reason I'm concerned about this is because my parents set up a trust for my family when I was young, and I think the reason my younger brother is so demotivated and entitled and never did anything with his life is because this trust did it to him, and I'm really concerned about setting up anything in my will that would do the same thing to you."
The man's grandson, a philanthropically minded young man in his early 20s, listened and thought about his grandfather's wishes and what Hughes wrote, and said: "Why don't we set up this particular trust as an endowment, and if somebody wants money from this trust, why don't they apply for it?"
All three generations agreed, and now the family's $50 million-plus trust requires that a family member who seeks funds must apply for the money based on an application that considers one of four criteria:
1) How is this an investment in my human capital?
2) How is this an investment in my intellectual capital?
3) How is this an investment in my social capital?
4) How is this an investment in my financial capital?
"Originally, they started off with the grandparents reviewing the applications, but within a year or two, the grandparents said, 'Since this trust is going to be around after we're gone, it really makes sense for you guys to come up with a process as a family,'" Rogerson recalls. "So they came up with a family council, and from that, they've gotten into all kinds of things. They plan family vacations, family meetings, but what started this whole thing off was this particular conversation around how to set up this trust."
See also: Boomer-plus clients talk about their finances
Many families continue to set up trusts in the traditional way, Rogerson says, but he believes that conventional wisdom is unhealthy for unconventional levels of wealth.
"If you have $50 million or $100 million, there's enough there that you can really damage people," he concludes. "If you've got a child with a problem — psychological, emotional, drugs, spousal abuse — would dumping $2 million in their laps solve the problem? It might not only not solve it, but make it 10 times worse."
For more on estate planning, see:
5 March Madness estate planning tips
Adding flexibility to estate plans


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Former FDIC chairwoman Sheila Bair is the latest high-profile official to voice concern over the Federal Reserve's low-interest-rate policy.
In an interview on Wednesday with The Daily Ticker, Bair, now a senior advisor to the Pew Charitable Trusts, specifically said that the low interest rate strategy promoted by the Fed to goose the economy is "backfiring."
"The Fed has got the best of intentions…but it's counterintuitive," she told the website. "Low rates dampen the incentives to invest."
The Fed's monetary policies have made it more difficult for banks to generate revenue, forcing them to seek profits in other ways, she noted.
"It's very difficult to make a loan of a multiyear duration because you have this very low interest rate on your balance sheet," Bair said. "That's not good for business lending. Banks can make money in other ways—trading profits, investment banking fees, deposit accounts—other ways…that don't necessarily help the economy."
Business lending, not home refinancing, holds the key to the economic recovery, according to Bair. The U.S. needs to shift its economic priorities if a full recovery is to happen, Bair added.
"Our economic policies are too much aligned with trying to revitalize the economy we had pre-2007," she said. "To have a sustainable growth model for everybody, including banks, we need to get more jobs and we need to get real wages going up again."
As the Daily Ticker noted, Bair would like to see the Fed increase rates but in a gradual and methodical manner so the market can adjust. The Fed has reiterated that it will not reverse its strategy until unemployment falls to 6.5%, it added. The jobless rate in March dropped to 7.6% from 7.7% in February.
Some Fed members have become more vocal about ending the central bank's aggressive monetary easing while others such as Federal Reserve Vice Chairwoman Janet Yellen and Chicago Fed Governor Charles Evans have argued that the bank needs to do more to stimulate the economy and boost hiring, the website concludes.
Read Fed Minutes Show Eagerness to Slow Bond Buys on AdvisorOne.


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Improve Your Teaching Skills This Summer
At TeachHUB it is our mission to improve the quality of education by making available the most current, complete and affordable resources for all K-12 Educators.
Built by Teachers, for Teachers, we offer free lesson plans, the latest in education news, professional development and real teacher blogs plus the tools and applications modern Educators need to maintain a level of excellence in their classrooms.
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What: Beeswax (Cera Alba) is a natural wax produced in the bee hive of honey bees of the genus Apis. It is mainly esters of fatty acids and various long chain alcohols. Typically, for a honey bee keeper, 10 pounds of honey yields 1 pound of wax (Wiki).
This ingredient is listed in the PETA's Caring Consumer guide as a substance of animal origin (PETA: What's Wrong with Beeswax).
As a skin care product, a German study found beeswax to be superior to similar "barrier creams" (usually mineral oil based creams, such as petroleum jelly), when used according to its protocol (Peter J. Frosch, Detlef Peiler, Veit Grunert, Beate Grunenberg (July 2003)).
Products Found In: Beeswax is typically used in: lip balms, mascara, moisturizers, lip glosses, treatments, hand creams, concealers, anti-aging and many other cosmetic and skin care products.
Alternate Names: Beeswax absolute, beeswax concrete, beeswax, white (Apis Mellifera L.), bleached beeswas, cera alba, white beeswax, white wax, yellow wax, white (Apis Mellifera L.), beeswax
Toxicity: Beeswax is generally classified as non-toxic or harmful (EWG). The Cosmetic Ingredient Review Assessments has deemed it safe as used in cosmetics according to industry panel (Cosmetic Ingredient Review, CIR). Beeswas was NOT flagged by CEPA for further attention.


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Enroll for ITIL V3 Foundation Certification training course in Lithuania from Invensis Learning. ITIL V3 Foundation is an entry-level IT Service Management course that is ideal for professionals who are looking to gain fundamental understanding of the globally-recognized IT Service Management framework in ITIL, and offers participants an overview of the key elements, concepts and terminology used in the ITIL® service lifecycle.
This ITIL Foundation boot camp course is ideal for business managers, business process owners, team leaders, service designers, IT architects, CTOs, CIOs, IT professionals who require fundamental understanding of the ITIL framework, and professionals working in an organization that as adopted ITIL. Participants attending this training will receive a copy of the course material and 16 PDUs certificate. Upon successfully clearing the ITIL Foundation exam, a participant receives 2 Credits.
We deliver ITIL V3 Foundation Certification Training in both classroom and live online virtual modes.
This ITIL V3 Foundation Training is available across multiple states in Lithuania.
I would like to thank Invensis Learning for helping me in achieving my learning goals. The trainer was highly-qualified and helped me to understand the subject in a holistic manner. It was a seamless training experience and I highly recommend Invensis Learning for their expertise in the training and certification domain.
Note: The ITIL Foundation exam will be either paper-based / web-based / web proctored exam. For web proctored exam additional charges applicable.
It is of paramount importance that enterprises address service management practices that cater the greater demand of providing holistic IT services in a changing economic climate and market place. Information Technology Infrastructure Library (ITIL)® is a globally-recognised service management framework that transforms IT services that are oriented to achieve high levels of business performance.
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Googles - Hydra
Cressi Swim goggles with one-piece skirt in soft silicone and separate housing for each lens, perfect for all types of water sports, for the pool and triathlon.
Excellent sealing on the face and extreme comfort, shatterproof lenses with external anti-scratch treatment, UV protection and internal, durable, anti-fog treatment.
Instantly interchangeable strap with patented, immediate, micrometrically adjustable buckles just like those on the Cressi-sub diving masks.


text: Wednesday, August 03, 2011 New COPD Guidance Addresses Pulmonary Rehabilitation New clinical guidelines on the diagnosis and management of stable chronic obstructive pulmonary disease (COPD) make recommendations for pulmonary rehabilitation for patients who are symptomatic and those who have exercise limitations. The guidance, developed by the American College of Physicians (ACP), American College of Chest Physicians, American Thoracic Society, and European Respiratory Society, updates the 2007 ACP clinical practice guideline. Recommendations address other COPD management strategies, such as evaluation of various inhaled therapies and supplemental oxygen therapy, the value of history and physical examination for predicting airflow obstruction, and the significance of spirometry for screening or diagnosis of COPD. Comments The text is really helpful.... Posted by Amrita Desai on 11/20/2016 11:41 PM


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THE MISSION of RENEW INTERNATIONALTo renew personal faith and parish life—
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Shelley Shusterman says that installing a solar electricity system and selling what you generate to the provincial grid is about as good as it gets.
"It's like your house has a tenant but you don't have the hassle of being a landlord."
Last August, Shusterman and her husband, Allan, installed a 9.2-kilowatt, roof-mounted system consisting of 40 photovoltaic (PV) panels. They contracted Ottawa Solar Power (ottawasolarpower.com) to do the work, and have a 20-year contract to sell all the electricity they produce to the grid at 80.2 cents per kilowatt hour. The contract is through Ontario's microFIT program, introduced in 2009 to encourage renewable energy projects under 10 kilowatts. Ontario Power Authority administers the program.
The hope is that microFIT will reduce the province's dependence on traditional power sources. Renewable energy is potentially valuable, especially in the summer when heavy air conditioning use can put a severe strain on power supplies, forcing the expensive importation of energy.
The Shustermans spent $66,000 to have the system installed at their three-year-old home in McKellar Park. Over the past 10 months, they have produced about 7,200 kWh for which they're being paid $5,775. Because March to the end of July is the period of greatest solar electricity generation, thanks to long days, they should hit their projected annual output of roughly 11,000 kWh. That will mean about $9,500 in revenue, giving them a seven- to eight-year payback on the system.
After that, it's all money in the bank. By setting up a limited partnership to sell the electricity to Hydro Ottawa, they can write off the interest on the credit line money they used to finance the installation. They also charge HST to Hydro Ottawa and consequently got a substantial HST input credit, reducing their cost for the system to about $60,000.
Like most of us, they buy the electricity they use from Hydro Ottawa at the going rate of 5.9 cents to 10.7 cents per kWh.
"It's the best investment we've got," says Shusterman. "Better than my stock portfolio, and the risk is nil."
Got your attention? Here's some of what you need to know before slapping PV panels all over your roof.
The background
Residential solar electricity systems typically consist of PV panels (also called modules) that use solar cells to convert the energy of sunlight into electrical current, and inverters that transform the direct current from the panels into the alternating current used in households.
A second type of system called solar thermal energy uses mirrors or lenses to generate electricity from the sun's heat. This system is used in large, commercial installations.
Solar cells were invented in the late 19th century, but the ready availability of fossil fuels meant there was no pressure to develop solar electricity applications until the oil embargo and energy crisis of the 1970s. That's when countries like Germany, Japan and the United States started seriously researching solar technology.
The return of cheap oil stalled solar power again in the 1980s. But since the mid-1990s there's been a resurgence of interest thanks to escalating fossil fuel prices and uncertainty about long-term oil supplies, climate change worries, and the plummeting cost of solar technology, especially PV panels.
At present, solar accounts for only 0.5 to one per cent of global electricity generation. In the United States, solar-based electricity still costs more than twice as much to produce as nuclear or coal-based power, according to a 2009 report from banking giant HSBC.
Nonetheless, solar electricity generation worldwide has been growing at up to 40 per cent annually for the past few years. In the United States, Bloomberg New Energy Finance recently forecast explosive growth in the solar market because of federal government support and shrinking equipment costs. Provided the industry can attract $1 billion in investment, says Bloomberg, solar-based electricity could grow 42 per cent annually over the next decade, accounting for 4.3 per cent of the nation's power capacity by 2020.
The Canadian federal government is somewhat less than committed to anything other than traditional energy generation. However, thanks in large part to Ontario's Feed-In Tariff program, of which microFIT is part, and the province's Green Energy Act, the Canadian Solar Industries Association (CanSIA) expects continued solar growth in this country as well.
"We're far behind Germany, which has had a program similar to microFIT for almost 20 years," says Wesley Johnston, CanSIA's director of policy and research. "But we're moving up fairly quickly now."
Canada's total installed PV power capacity, for example, tripled in 2009 compared to the end of 2008. About 3,000 solar-related full-time jobs have been created to date, and the association forecasts a total of 35,000 jobs by 2025.
Where are residential systems being installed?
Most solar electricity installations in Ottawa are going on the roofs of existing homes, say suppliers. Apparently new home buyers would rather spend any extra cash they have on granite countertops and other frills than investing in what could net them a tidy profit in the long run.
As well, first-time homebuyers may simply not have enough income to pay the extra for solar power.
Ottawa builders are "generally cautious about solar and other technology," says Jeff Armstrong, architect and owner of Ottawa's DAC International, which specializes in pre-engineered homes for export. Armstrong has equipped his own LEED platinum home with a 3.5-kilowatt array of PV panels. He sells enough power to the grid to more than pay for all energy use in his totally electric home.
To make solar power worthwhile, you need a south-facing roof with no shade-casting trees or other obstacles between it and the sun. Even dormers and chimneys can throw long shadows, reducing the output of PV panels.
The roof must also be sound enough to support the weight of the PV panel array.
A free assessment by an installer will determine if your house is a good candidate for solar power.
Incidentally, a study by Natural Resources Canada ranks Ottawa fifth among 17 major Canadian cities and capitals in terms of yearly PV potential.
What it costs & what you'll earn
Like Ottawa Solar Power, Picton, Ont.-based Cleave Energy (cleave-energy.com), which installs residential systems across the province, charges about $66,000 for a roof-mounted array that will generate the maximum 10 kilowatts permitted under the microFIT program.
Cleave charges $78,000 for an equivalent-sized, ground-based tilt system. The system requires occasional manual adjustment to follow the sun's changing trajectory through the seasons but generates about seven per cent more electricity annually than a fixed rooftop array, says company sales manager Nancy Cleave.
A ground-based tracking system from Cleave that automatically follows the sun through the day and seasons will set you back $83,000 but pumps even more electricity into the grid because the panels are always at the best angle to absorb the sun's rays.
Tilt and tracking systems need a large ground area and are generally found only on rural properties. As well, owners of ground-based systems are paid only 64.2 cents per kWh. The rate was originally the same as rooftop systems but was slashed last summer, fomenting fury among suppliers and microFIT applicants whose applications were still pending approval.
The price of PV panels has fallen about 10 per cent annually over the past decade and is expected to continue declining over the next five or so years. However, labour costs have not fallen.
Estimates of annual return on investment vary.
"The unspoken target is 11 per cent," says Peter Glover, sales and marketing director at Ottawa Solar Power. However, "panels degrade a bit, so over 20 years you should average about 10,800 kWh per year." In the case of the Shustermans, that means a 20-year revenue of over $173,000 and a profit of more than $112,000, or roughly nine per cent a year minus financing costs.
There's no guarantee that the current rate of 80.2 cents per kilowatt will continue beyond October of this year. While anyone with a signed contract should be safe, the rate will be reviewed in the fall and could be reduced, especially if the opposition provincial Conservatives continue their attack on what they perceive as wasteful public sector spending.
System installers say they're busy.
"We're fully deployed," reports Graham Findlay, general manager of Ottawa-based 3G Energy Corp. (3g-energy.com), which installs residential and institutional systems around the province. "We've got 50 (microFIT) projects booked through to August, and the phone is still ringing."
For more on microFIT, visit microfit.powerauthority.on.ca.
Buying a solar electricity system: What's involved
The microFIT website mentioned above is your best source on everything from how to sign up for the program to questions you should ask installers and the income tax implications of selling power to the grid.
CanSIA has also developed a microFIT Buyer Guide available online.
Remember to get quotes from more than one installer, and follow up on references.
You'll need a building permit from the City of Ottawa and electrical permits, which your installer can help with.
You also need approval from your hydro company along with approval of your microFIT application before installation can proceed. Again, the microFIT website will walk you through that process.
Advise your insurance company of your plans.
Installation of a rooftop array usually takes two or three days. The power is shut off for several hours during connection.
Other considerations
Homeowner maintenance of solar PV systems is minimal, although you may have to deal with snow build up. Solar Power suggests an annual $150 service call to clean off bird droppings, check for squirrel nests under the panels (they like the warmth) and vacuum the inverter.
Warranties average 25 years on the panels and 10 on inverters. A new inverter costs $3,300, says Glover, but prices are dropping.
Bank financing is available, often through suppliers.
Under Ontario's Assessment Act, the value of a residential solar system is exempt from property tax.
When it comes to home value, a recent study by California's Lawrence Berkeley National Laboratory found that homes in that state sold for a premium if they included a PV system. The average premium for homes with a 3.1 kilowatt system was $17,000.
Some homeowners complain about slow payments for the electricity they produce. Bill Eggertson, who lives near Munster Hamlet, was the first person in Ontario with a rooftop solar system to sign on to the microFIT program. Ten months after installing the system in March 2010, he was still waiting for his first cheque, worth over $8,000, from Hydro Ottawa. The utility blamed startup glitches and Eggertson has since been paid. However, he says that because each cheque covers two months' worth of generated power and payment is still slow in arriving, he's so far received only about $10,000 for the $13,000 to $15,000 worth of electricity he's produced in the past 14 months.
Fortunately, "credit is still cheap, because you've laid out a lot of borrowed cash. If interest rates go up, it could be tricky."
Shusterman, meanwhile, says she's being "nickel and dimed to death" by Hydro Ottawa. For example, she was charged $30 by Hydro to set up an account that would pay her for the electricity she sells to the utility.
She is also charged for the electricity required to run a second, separate meter that measures how much power she sends to the grid. The charge is small — pennies a month — but she's also been dinged $10 to $15 on each bill for electricity delivery. Seems there's a minimum charge.
"The audacity of them, to split that off from my other electricity use and then add the charges," she says. "In the grand scheme, it's not that much money, but it's the principle."
Beefs aside, is she still sold on small-scale electricity generation?
"It's win-win: our investment is safe, and as homeowners we're contributing to the greater good."
Online resources for solar electricity
Ontario Power Authority's site tells all you need to know about microFIT including application procedures.
Canadian Solar Industries Association site includes a primer on solar electricity and a microFIT buyer's guide.
Go to the Clean Energy page (link is on the home page) for information on installing solar electricity systems. The bottom of the Clean Energy page includes a link to Ottawa-area solar systems installers.
The Events link on the site's main page includes upcoming Home Solar Power workshops.
The website of this public education group includes a solar case studies and resources.
The co-op offers residents who don't have the space or inclination to put up their own solar array to invest in a proposed community solar project over 10 kilowatts that will feed power to the grid. The co-op expects to be paid 71.3 cents per kWh under the provincial Feed-In Tariff system. It costs $100 to join the co-op, and investors then buy shares in multiples of $5,000 to a maximum of $100,000. The co-op may also invest in wind, biomass and other renewable energy sources eligible under the Feed-In Tariff structure.
Earlier attempts by the co-op to set up a similar scheme for arrays under 10 kilowatts fell through when microFIT rules were changed last summer so that only homeowners were eligible for the program. That same rule change scotched attempts by some solar companies to lease land from homeowners for small arrays.


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text: Is Linesja an Untrustworthy Online Store? Save Comments: 0 Views: 5 Updated: September 26, 2019 2019-09-26T12:38:24 Date: September 26, 2019 2019-09-26T12:37:50 Online Threat Alerts (OTA) + Would you share this Article with others? Yes (0) No (0) Linesja located at linesja.com is an untrustworthy online store. Online users are advised to stay away from the untrustworthy website because those who shop from it run the risk of receiving counterfeit goods or nothing at all. Unsatisfied online users who have shopped on the untrustworthy website are asked to contact their bank or financial institution to have their transactions canceled and money refunded. They should also have their banks help them prevent the cybercriminals who are operating the website from continuously charging their credit cards. About Linesja at www.linesja.com Email: firstname.lastname@example.com Phone Number: +8615296908989 Company: Yiwu zhouqiao e-commerce co., LTD Address: 4th floor, 490 Chengdian road, Choujiang street, Yiwu city, Zhejiang province (self-declaration) Email:email@example.com Telephone: 13083327715 Note: Some of the names, addresses, email addresses, telephone numbers or other information in samples on this website may have been impersonated or spoofed. Please share what you know or ask a question about this article by leaving a comment below. Check the comment section below for additional information, if there is any. Remember to forward suspicious, malicious, or phishing email messages to us at the following email address: firstname.lastname@example.com. And, report missing persons, scams, untrustworthy, or fraudulent websites to us. Tell us why you consider the websites untrustworthy or fraudulent. Also, to quickly find answers to your questions, use our search engine. You can help maintain Online Threat Alerts (OTA) by paying a service fee. Click here to make payment. Comments, Questions, Answers, or Reviews There are no comments as yet, please leave one below or revisit. To help protect your privacy, please do not post or remove, your full name, telephone number, email address, username, password, account number, credit card information, home address or other sensitive information in or from your comments, questions, or reviews. Also, remember to keep comments, reviews, answers respectful. Write Your Comment, Question, Answer, or Review Write your comment, question, answer, or review in the box below to share what you know or to get answers. NB: We will use your IP address to display your approximate location to other users. Your comment, question, answer, or review will be posted as an anonymous user because you are not signed in. Anonymous posts cannot be edited or deleted. Sign-in.


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Online gallery for signs and symbols for everything! Get free downloadable signs, logos, line drawings in full size resolutions.
Importance of Using Signs in the Retail Market:
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TheForgivenOne wrote:ask me2 wrote:I have I problem with the name of the organization, SOS Africa? Save Our Ship Africa? That doesn't make any sense, as Africa is not a ship.
I always thought it was, you know, Save Our Souls.
why are we asking Africa to save our souls and ships ?


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FORRESTON — It's only a couple of games into the girls basketball season, but the first two performances by Eastland have been dominant ones.
After blowing out Winnebago by 35 in their season opener this week, the Cougars (2-0) pounced on Christian Life early in the first game of the Forreston Thanksgiving Tournament on Friday and rolled to another lopsided victory, 63-24 over the Eagles.
Eastland outscored Christian Life 21-5 in the first quarter and led by a commanding 21 points by half.
"There was a stretch where the ball didn't get across half court for (Christian Life) and we played with so much fire and intensity at the beginning," Eastland coach Colleen Henze said. "You always worry about that because sometimes when you do that, it's downhill from there. They lost their intensity for a little bit but I felt like they got it back by the end of the first half."
For the second straight game, it was Lexi Macomber leading the Cougars in the rout. The six-foot junior scored a game-high 20 points against the Eagles. She scored 22 in the season opener.
"And that's without playing the fourth quarter in both games," Henze said. "She's doing a nice job getting herself in position. She loves to score. She's getting down the floor and getting herself there and they do a good job of getting her the ball too."
Henze credits her team's unselfish play as a big reason why the Cougars have been able to score 135 points in their first two contests.
"They've been unselfish and gotten the extra pass to get people good shots," Henze said. "We still missed a ton of shots tonight but we have played unselfish and made the extra the pass and gotten people higher percentage shots."
Stockton 37, Rochelle 36
Sluggish play is no surprise in the early part of the season, and that was what took place between the Blackhawks and Hubs. Fortunately for Stockton, it did just enough to squeak out a one-point victory.
The Blackhawks (1-0) didn't make their first -- and only -- field goal of the final quarter until 37 seconds were left when Kelsey Wright tied the game at 36-36. Wright then had four shots from the charity stripe in the last 27 seconds. She made only made one, but that was all the Blackhawks needed to escape with a victory.
"She was tired," Stockton coach Denny Young said of Wright. "She's not in basketball shape. None of them are. When we get them there she'll go up there and she'll knock those down. A win's a win. I knew coming in that we'd probably struggle shooting the ball, which we did. But that'll come. They're getting their legs. It's early."
Forreston 45, Winnebago 26
A great all-around game by senior point guard Maggie Curry helped the host Cardinals blow out the Indians. Curry scored a game-high 17 points, pulled down 9 rebounds, dished 5 assists and also nabbed a pair of steals all in the first three quarters.
"She's playing big as of right now," Forreston coach Tim Bukoski said. "She's a coach on the floor. She's been playing basketball a long time and now she's showing her experience. It's her senior year and she's leading the team."
The Cardinals (1-1) held a comfortable 27-7 lead at halftime and never allowed Winnebago to draw closer than 17 in the second half.
"I thought we had some good unselfish play tonight," Bukoski said. "We had good ball movement. I thought we got the ball down low and crashed the boards extremely hard. I thought defensively when we did an excellent job when we went to the zone."


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This is just one of the today's clues of NewsDay Crossword. You can find the rest in the previous link. The authors of the daily crosswords relies heavily on clues that pertain to music, books, TV shows, the military, many from around the time of WWII, as well as popular shows, celebrities, politicians, authors and animals.
Variety of pear crossword clue
Answer: BOSC
Each day many newspapers provide crossword puzzles online; with one tap you can download and solve them, get hints, view clues, and track how quickly you're improving! The only negative side is that you can get stuck quickly. You get to learn all sorts of new things by searching for the answers on Wikipedia or in a dictionary or use our website to get the clues. In alternative you can use goldanswers.com to get all the answers.
Thank you for the visit, feel free to leave a comment if there is any problem with the answer to the clue Variety of pear.


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Export 2 results:Author [ Title] Type Year
Filters: Author is Dario Prandi [Clear All Filters]
A cortical-inspired model for orientation-dependent contrast perception: a link with Wilson-Cowan equations. Scale Space and Variational Methods in Computer Vision (SSVM2019). ContrastPerception.pdf (669.04 KB). 2019.
Visual illusions via neural dynamics: Wilson-Cowan-type models and the efficient representation principle. Journal of Neurophysiology. Cowan.pdf (1.31 MB). 2020.


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Welcome to EricsonYachts.org - the starting place for information on Ericson Yachts!
On this site you will find thousands of posts on all features of the Ericson Yacht line, and documentation on nearly every model of boat. EricsonYachts also maintains a community of more than 5,000 Ericson owners from all over the United States and elsewhere in the world.
To access our site's features, you must register for a free account and then login. Without creating an account, you will be able to browse the Information Exchange forums for only a limited amount of time and will then be required to create a free account by registering via the link above. Non-members are also not permitted to download any of the documents or images from the archives.