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As the deadline for a congressional compromise that would prevent the automatic expiration of the Bush-era tax cuts and other stimulus benefits approaches, your clients are likely asking themselves one seemingly simple question—how will this affect me? The deadline for reaching a compromise that would avoid sending the United States over the "fiscal cliff" is less than 20 days away and, in the eyes of some observers, the prospect of reaching a compromise is becoming less likely by the day.
So we present a case study below, excerpted from Tax Facts Online, of how going over the cliff will affect your clients.
The Clients: Jack and Marilyn
Your clients, Jack and Marilyn, have scheduled an appointment to discuss how the expiring provisions will affect them. Jack and Marilyn are a relatively typically couple—they're in their mid-50s, live in New Jersey and have three children—two in college and one in high school. Jack works in advertising and Marilyn is a high school teacher and, together, they earn approximately $300,000 annually. They each contributed the maximum $17,000 to their employer-sponsored 401(k) plans in 2012 (though they were unable to manage the additional $5,500 catch-up contributions), to reduce their taxable income to $266,000.
They have invested during the years, and tend to sell stocks, bonds, and mutual funds each year as the college tuition payments become due; to help offset college expenses, they need to bring in approximately $25,000 from these sales each year. Additionally, they will recognize about $5,000 in dividend income in 2012, which is what they have typically seen each year and what they anticipate recognizing in 2013.
They own their primary residence—they purchased it for $200,000 twenty years ago—but took out a second mortgage to expand their small home as their family grew, and are still paying off their mortgages. Further, they own a beach house in Florida where they intend to retire after all of the kids have finished school. The beach house is rented to vacationing families much of the year to help cover expenses, but upon retirement, Jack and Marilyn plan to sell their home in New Jersey and retire to the beach permanently. In today's market, they hope to sell their primary home for approximately $750,000, though the future is, of course, uncertain.
Jack and Marilyn have done plenty of reading on the potential impact of the expiring tax provisions, but are really concerned with how a plunge over the fiscal cliff would impact them on a more personal level. How do you advise?
Jack and Marilyn are in the same situation as thousands of taxpayers today—they're relatively comfortable after years of planning and responsible investing, but they've become accustomed to the current tax system and have no idea what to expect concerning their financial future if negotiations that would prevent a fiscal cliff crisis fail. Right now, they're interested in the "worst case scenario" that could play out if all of the current expiring tax provisions are permitted to expire.
Impact No. 1: Higher Income Taxes
If the fiscal cliff negotiations fail, the most noticeable impact for Jack and Marilyn will be a substantial increase in their marginal income tax rates—in other words, they will see an obvious decrease in their take-home pay. The current income tax rate brackets were agreed upon in 2001, with rate reductions accelerated in 2003 that brought today's rates into play.
Jack and Marilyn's current income would place them in the 33% tax bracket for 2012. Though they were able to reduce their taxable income through retirement savings contributions, they were not able to defer enough to drop them into the lower 28% bracket. The marginal income tax brackets will increase if we fall off the fiscal cliff—meaning that in 2013, Jack and Marilyn will be taxed at 36% on their ordinary income from wages.
Under the Patient Protection and Affordable Care Act (also known as the PPACA, or Obamacare), an additional 0.9% Medicare tax on Jack and Marilyn's income that exceeds $250,000 ($200,000 for single taxpayers) is scheduled to take effect regardless of the outcome of fiscal cliff negotiations. Further, the 2% Social Security payroll tax cuts that have been in place for the past few years will expire at the end of 2012. Assuming this happens, we can assume Jack and Marilyn's income tax rate on their first $250,000 will effectively rise by 5%, and by 5.9% on their income that exceeds the $250,000 mark. State, local and property taxes, while not directly affected, only steepen the slope of the fiscal cliff.
Impact No. 2: Higher Capital Gains and Dividends Taxes
While the income tax ramifications will affect Jack and Marilyn greatly if Congress fails to reach a compromise, this is far from the end of their story. This is because they have begun to sell investments to fund their children's education, and this income is taxed under a different system.
Today, Jack and Marilyn's long-term capital gains are taxed at 15% because they fall within one of the higher income tax brackets (capital gains rates for taxpayers in the lowest tax brackets were reduced to zero through 2012). However, if this reduced rate is allowed to expire, their capital gains rate will increase to 20%—resulting in about $1,250 more in capital gains taxes each year. Effectively, they will be required to sell more investments each year to fund their children's college expenses.
Their dividend income requires consideration, as well. Today, dividend income is treated as income from capital gains—so Jack and Marilyn have been paying tax at the reduced 15% rate. Prior to 2003, however, dividend income was taxed as ordinary income—reverting to those rates in 2013 will mean that the taxes Jack and Marilyn pay on their dividends would more than double—from the 15% they're paying today to the 36% income tax rate that would become effective in 2013.
Impact No. 3: New Obamacare Tax
As outlined above, taxes on investment income will increase (dramatically, in the case of dividends) if fiscal cliff negotiations fail, but because of Jack and Marilyn's income level, they must also consider the new tax on investment income that will come into play January 1. Under the PPACA, a 3.8% tax on "unearned income" will apply to taxpayers with adjusted gross income (AGI) of more than $200,000 for single filers, or $250,000 for married couples filing jointly.
This 3.8% will be added to the 2013 tax rates regardless of whether Congress extends the current rates, increasing the capital gains rate from 15% to 18.8% in 2013 if the current rates are extended. However, if the Bush-era tax cuts are allowed to expire at the end of 2012, the extra 3.8% tax will push Jack and Marilyn's capital gains rates to 23.8% in 2013 and will effectively increase the taxes they pay on dividends to nearly 39.8%.
Essentially, the tax will apply to any "net investment income" that Jack and Marilyn recognize. Net investment income means income that is "unearned"—for example, income received from investments such as stocks, bonds and mutual funds. Net investment income obviously includes dividends and interest received through investment in these vehicles, but can also apply to income derived from a trust or, in some cases, the sale of a primary residence. It won't include their Social Security benefits (when they begin claiming them) or their eventual 401(k) withdrawals, though these amounts can be used to push them above the threshold $250,000 per year mark.
Impact No. 3A—Higher Capital Gains Taxes on an Appreciated Home
The new investment income tax can further complicate Jack and Marilyn's financial picture because they are beginning to envision the day when they will sell their home, which has appreciated substantially in their 20 years of ownership. The rules are complicated and will depend heavily upon when Jack and Marilyn choose to sell their home. To explain how the tax could affect them, assume they sell the house in 2013 at their hoped-for $750,000 figure.
A married couple is permitted to exclude the first $500,000 of gain from their AGI. So if Jack and Marilyn purchased their home for $200,000 and sell it for $750,000 next year, their capital gain is $550,000. They would then subtract the $500,000 exclusion and add the $50,000 excess to their AGI for 2013. Note that there is no exclusion for a secondary residence. Hopefully, this exclusion will continue after the fiscal cliff compromise.
Impact No. 4: More Limited Tax Deductions and Exemptions
Under current law, Jack and Marilyn are not limited in the value of the tax deductions they can claim each year (for example, their mortgage interest is currently deductible, along with any charitable contributions they make in any given year). The marital standard deduction they are entitled to claim each year is twice the deduction allowed for single filers in 2012, and Jack and Marilyn are each entitled to exempt a certain inflation indexed "personal exemption" amount (in 2012, $3,800).
If the current provisions are allowed to expire, Jack and Marilyn's annual deductions will be limited—by 3% of AGI over a threshold amount set annually. This would reduce the mortgage interest deduction they are entitled to claim each year. Their personal exemptions would be similarly limited—by 2% for each $2,500 that their AGI exceeds the threshold amounts. Jack and Marilyn would most likely itemize their deductions, but if they claim the standard deduction, it will be reduced from $11,900 to $10,150 (re-implementing the so-called "marriage penalty"). Effectively, reducing or limiting the deductions available to Jack and Marilyn will increase their income tax rates even though it isn't as obvious as an increase to the rate levels.
Beyond Jack and Marilyn: The Impact on the U.S. Economy
Even though every client wants to know how, exactly, the expiring tax provisions will impact him or her personally, it's also important to take a look at the bigger picture—because that bigger economic picture will affect clients such as Jack and Marilyn on an individual level as well. The Tax Policy Center estimates that if all tax increases take effect in 2013, the overall tax liability of American taxpayers will increase by approximately $536 billion over 2012 levels.
Removing this massive sum from the economy will reduce the disposable income of millions of families and cause a dramatic decrease in consumer spending. This, in turn, will cause serious economic consequences—or even another recession—as businesses struggle and are forced to eliminate jobs and reduce salaries.
As an added consequence, because dividend and capital gains rates are set to increase dramatically, many investments will become less appealing for upper-class investors who fuel economic growth and development by pouring capital into corporations and related investments. Reducing the availability of investment funds limits the ability of companies to expand and will, in many cases, necessitate contraction—meaning more cuts in jobs and salaries as businesses scramble to reduce expenses.
Expiration of many tax credits that benefit taxpayers with lower AGI levels will further exacerbate the picture, making it more difficult for families to afford higher education and childcare expenses. The picture isn't pretty, but clients should be prepared and understand that they, just like Jack and Marilyn, will be affected on a personal level if the worst-case scenario comes to pass.
We invite you to visit the AdvisorOne Fiscal Cliff landing page for up-to-date coverage on the fiscal cliff negotiations and the implications of going over the cliff.
For additional coverage of this issue and similar ones, we invite you to sign up with AdvisorOne's Summit Business Media partner, National Underwriter Advanced Markets, for a free trial.
You may also be interested in signing up for a free trial with another Summit Business Media partner, Tax Facts Online.


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I love this page.
Rosita April 10, 2015
I also think of the families that don't get to do a happy reunion because they have lost their loved ones overseas fighting for freedom so that everyone can live in a country with freedom.
Donna April 10, 2015
I really enjoy these videos!
Karen April 10, 2015
I think everyone should watch one of these videos at the start of their day, EVERY day. : )
Casida April 10, 2015
I love watching the surprise coming home videos on WelcomeHomeBlog.com Always makes me cry happy tears... Especially when the soldiers surprise their dogs...
Tina April 10, 2015
This is my absolute favorite site!!!
Crystal April 10, 2015
I absolutely love your site. Yes, I do cry at the end of most of the videos. #MilitaryFamily#AirForceSister
Tiffany April 10, 2015
I cut onions everyday i look at this blog. Oh I am at work, no onions here.
Barbara April 10, 2015
I sat here and watched these videos for over 2 hours it never gets old thank you for making this available to every one. god bless.
Deacon Tom April 10, 2015
To the lovely people at WelcomeHomeBlog.com, Thank you for the wonderful videos you put on this site. They held so much hope and meaning for our two sons, (myself included), while my husband was away in Afghanistan. Oceans may divide us, but we military families are more alike than we are different.
Jo-Anna April 10, 2015
Great watching these welcome home blogs ☺
Alan April 10, 2015
God bless you all for taking this noble cause. God bless our troops.
All American Music April 10, 2015
So touching...
connie April 10, 2015
Can I just permanently like every post from you guys? Tears of joy everyday thank you.
Steve April 10, 2015
Hi there even being from South Africa I one day stumbled on your Facebook page and lots of times check if there is new surprises. I still get teary when watching this. Heads up for all of the families who must live for long times without their loved ones. Take care and keep up the good and hard work.
Jolandy April 10, 2015
I was having a bad day today but what always cheers me up is seeing our brave soldiers coming home from deployment. You have given me a smile today thank you for making this blog it helps me out a lot when I have a bad day.
Harley April 10, 2015
I love this site, I spent one tour in the US Air Force and I watch this blog several times a day. Most of the blogs I have seen several times, And still enjoy them and even cry each time. Thanks
James April 10, 2015
Watching military homecoming videos on Welcomehomeblog.com never gets old… always a great pick-me-up when I need it.
Brian April 10, 2015
I've been watching many of the videos your site has posted, for the last two hours, and it hasn't gotten boring... The downside is that I haven't touched my homework either, but that's ok. Thanks for what you folks are doing, keep it up... ☺
Victor April 10, 2015
Welcome Home Blog gets me every time. #cantstopcrying #perfection
Katherine April 10, 2015
I can't get enough of your blog!!!! ☺
Leslie April 10, 2015
Hello, I just want to say thank you for sharing my homecoming video! It means so much! Im not sure who submitted it but thank you!! ☺
Megan April 10, 2015
It's been a lay in bed and watch WelcomeHomeBlog.com kinda night!!!
Cassie April 10, 2015
Best website in the world.
Jana April 10, 2015
OK, this is too much... I am a grown up (dare I say old?) man, been to the army, and seen some things in my life. I see the videos on your site I sob like a little girl.
Yaniv April 10, 2015
What's not to LIKE about this page. Love it. Thank You
Kathy April 10, 2015
Thank you for sharing these beautiful homecomings! This is just amazing to see these men and women go overseas to fight for us and then complete the mission and come home!! They make me cry every time especially the pet ones!
Michelle April 10, 2015
I just wanted to say thank you for doing what you do! You actually posted a video of my son returning home. I look at every one of your videos and love them all. Thanks again for allowing us and others to share in the joy of something so special!
Tracie April 10, 2015
Thank you for all you do here. It means a lot to all of us ☺
Supporting the Troops without the Politics of War. ARI April 10, 2015
Tag lifetimetv
Soldier Surprises Daughter During Preschool Class
After returning from his second tour of duty in Iraq, Shane surprised his daughter, Mylee, during her preschool class!
Three Girls Welcome Home Their Daddy, Home After Months of Deployment
Army Sergeant, Home From Iraq, Surprises His Sister at Her College Graduation
Home from Afghanistan, an Airman Wakes His Brother
Bill, home from Afghanistan, wakes his brother Brian who hasn't seen him in 9 months.
Two Dogs Welcome Home Their Daddy, A U.S. Soldier
This extremely cute video was filmed and sent in by Sarah Milo. Thanks for sending it in Sarah! This is a video of our two boys, Major and Sammy, and my soldier reuniting after 8 months apart. We adopted Sammy a coup...


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Greenpeace went into the field two weeks ago to investigate how the haze wave was affecting communities in Sumatra and to get an insight into how the forest fires had turned people's lives upside down. 30 year old Laskar Harianja, is a single father with three children (11, 8, and 7). To feed his family, he is has to rely on his 1 hectare pineapple plantation. To build his farm, he paid about IDR 10 million for the seeds and the maintenance. When the fruit is ready for harvesting (which would have been early next year) he would have got approximately IDR 20 million. The recent forest fires destroyed all his farm. He criticized the illegal forest burning practices, but he stated to us that he is not angry, or frustrated. He is replanting his farm but to fund it and of course to feed the children, he is now working everyday with any work he can find.
30 year old Laskar Harianja, sits with his children, Masri (L), and Josua (C), at their house in Simpang Bangko, Rokan Hilir, Riau Province, Indonesia.
© Ulet Ifansasti / Greenpeace
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Lewis Geyer/Longmont Times-Call
LONGMONT — Oil and gas wells don't belong in a residential neighborhood. That's a familiar position for the Longmont City Council in 2012.
And apparently, also in 1995.
That's when the city condemned a gas well to help create the Ute Creek Golf Course. In the process, it declared that not only that well, but any well, had no business being near homes.
"The potential fire hazard of wells on and next to a residential community," reads ordinance O-95-47, "and the danger to residents and golfers from additional truck and service vehicle traffic and other perils associated with oil and gas development are contrary to the health, safety and welfare of present and future citizens, residents and golfers."
An attempt to place that idea in the city's zoning laws — with, admittedly, no direct reference to golfers — currently has Longmont in the middle of a lawsuit. In July, the Colorado Oil and Gas Conservation Commission sued the city over its newly adopted oil and gas regulations. The eight items the COGCC has disputed include a restriction on surface drilling in residential areas and a requirement to disclose any hazardous materials transported on the city's roadways.
The Ute Creek action predated both those 2012 regulations and the city's last set of oil and gas rules, adopted in 2000. It also predates the common use of multi-well pads — drilling multiple wells that reach in multiple directions from a single site — and the modern controversy over hydraulic fracturing, or "fracking," in which high-pressure fluid is used to crack rock deep underground to get at hard-to-reach oil and gas deposits.
The well condemnation was adopted in June 1995 and signed by then-Mayor Leona Stoecker. A court approved the action and granted the city possession that October, though the city did not post a bond with the COGCC until later, drawing a protest from the well's previous owner, TOP Operating.
"We have grave concerns that the Colorado Oil and Gas Conservation Commission will, by inaction, abrogate its authority to govern oil and gas operations in this state," TOP President Rodney K. Herring wrote to the COGCC. "The circumstances surrounding the condemnation of the subject oil and gas lease set a precedent that threatens your ability to govern and imperils all mineral properties in the Wattenburg gas field."
The well since has been plugged and abandoned.
"That particular well would have been pretty close to a platted lot, at least within 150 to 200 feet of a home," said city planner Brien Schumacher, one of the most involved in developing the city's new drilling rules. "It wasn't on the fairway, but it was on the fringe of the planned golf course, and there was concern about having the well that close to people's homes."
In urban areas, COGCC regulations call for a 350 foot "setback" distance between a well and an existing occupied building. That would not have applied in this case, since the well was on the site first.
"It was recognized that they're not good neighbors in a residential area," said then-city manager Gordon Pedrow, who since his retirement in April has been active in calling for stronger local control on oil and gas issues. "It was recognized even back then that it was an industrial use."
On hearing the 1995 language, Mayor Dennis Coombs' reaction was immediate: "Wow!"
"I can just tell Leona I'm following her lead," Coombs said, laughing. "She's on my side on this one!"
Stoecker has not taken a public position on the city's new oil and gas regulations, though she is one of seven former mayors — along with Bryan Baum, Bob Askey, Roger Lange, Julia Pirnack, Al Sweney and Bill Swenson — to publicly oppose Ballot Question 300, a citizen-initiated ballot issue to ban fracking from the city.
Stoecker could not be reached for comment Wednesday afternoon.
The new oil and gas rules passed by a 5-2 vote, following a 4-3 vote to keep the residential restrictions in. Councilwoman Katie Witt, a "nay" vote on both measures, said she wasn't surprised that the issue had been a concern 17 years ago as well.
"I don't think anyone has any question about wells right next to someone's home," said Witt, who has argued that, because of the city's growth pattern, few if any Longmont residential areas are in danger of having a well nearby. "People have made it very clear they have no interest in that."
Meanwhile, Coombs said he didn't mind surrendering some of his "groundbreaker" status on the issue to Stoecker and the 1995 council.
"I think that's great that she had the foresight to think of these things back in 1995," Coombs teased. "I don't mind being second on this. I don't have to be first."
Scott Rochat can be reached at 303-684-5220 or email@example.com.


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How are top advisory firms handling the present-day challenges of constructing retirement income portfolios? During the Think Retirement Income Top RIA Roundtable in Boston on Thursday, three advisor experts sounded off in a discussion moderated by Investment Advisor Editor-in-Chief John Sullivan.
Wellesley Investment Advisors recommends convertible bonds to clients shell-shocked by loss of principal in fixed-income investments, said Michael Miller, the firm's co-chief investment officer. He noted that these hybrid bonds, which can be converted into equity, tend to perform well in a rising-rate environment.
"If the goal is retirement income, we think making big bets is risky," contended Bob Glovsky, vice chair of The Colony Group. "Instead of getting in and out, we would rather our clients stay well diversified. Our advice would be, 'Yes, we're going through a rough time, but bonds always come back. We're planning for steady, consistent performance over the long term.'"
Managing for Income vs. Accumulation
Managing a portfolio for income comes down to a more conservative asset allocation, Glovsky said. "There aren't many people who can get enough retirement income totally from interest, so they need to keep some in equities with the focus on total return." Along with portfolio returns, the key factors are inflation and the client's rate of spending. "What does the client want to have in retirement, and what are they willing to let go of?" he said. "The wild card for baby boomers is health care."
Miller noted that the normal focus is on maintaining principal while drawing down funds needed for college, etc. Glovsky added that a sustainable withdrawal rate of 3% to 4% has increasingly replaced 4% as a rule of thumb.
The Bucket Approach
Chief Investment Officer Justin McNamara of McNamara Financial Services, delayed earlier by Boston traffic, jumped in to report that his firm keeps two to three years' worth of retirement income in a cash bucket with the remainder in investments. "It reassures clients that they won't have to sell if the market is down 10% or 15%," he said. The client's needs and available cash are reviewed periodically to see if the bucket needs replenishing.
"The bucket approach is a technique that clients feel most comfortable with," Glovsky agreed. If some clients want to be more aggressive or conservative than average with their cash bucket, "it's not going to make a big difference in returns." However, Colony advisors do fight when clients call with what Glovsky calls "headline concerns." "We say, 'That's short term.' Clients 'get it' intellectually, even though it's hard for them to change their behavior."
Duration and Active vs. Passive
At the Colony Group, Glovsky reported, "Our managers are shortening their durations." Wellesley's bond duration is now "just shy of two years," Miller said. McNamara commented that his firm "chose to diversify our bonds instead of focusing on duration targets."
Acknowledging Charles Ellis's argument for indexing during the previous session of the Think Retirement Income conference, which continues Friday, Glovsky observed, "We tell our clients indexing is great. But they still need financial planning; they need asset allocation and diversification." Colony measures results with a "blended benchmark" formulated in the same ratio as the client's portfolio.
Although about 75% of McNamara Financial Services' investments are in ETFs, "we consider ourselves active managers in the sense that we deliver asset allocation," Justin McNamara said. With a nod to Ellis's point about high active management fees, he said, "We're also focusing a lot on cost," anticipating future returns in the low single digits.
Convertible bonds allow advisors to bring in yield without worrying about interest-rate risk or equity risk, Miller said. Praising convertibles for higher earning potential with less risk, he said they exemplify a key benefit of active management.
The Search for Alternatives
"It's hard to find investments that don't correlate" in developing a diversified portfolio, Glovsky noted. "But we can't know who's going to be the next winner or loser."
"We've had a high bar for alternative investments," McNamara added. "We buy only when we see value."
Clients are more aware of the correlation problem since the market crash, Miller said. In his view, "alternative investments are a crucial edge in avoiding bear market losses."
"Clients need education," Glovsky emphasized. "They don't get what a 'long-short fund' is. It's a leap of faith. How do we earn that faith? With education." Instead of hiding an alternative investment in a traditional category, he said, "we break it out and explain it."
"We see clients aware of correlation issues," McNamara agreed. "We've spent a lot more time on education minutiae in recent months" while diversifying bond investments.
About Your Fees…
Commenting on Justin McNamara's report that his firm has stopped billing on cash because of its low returns, Glovsky argued, "Once you charge different fees, clients begin to work against their own best interests" by picking and choosing on price.
He foresees fee compression as Baby Boomers continue to withdraw their assets: "Our AUM is going to come down, and there aren't enough Gen X and Gen Y assets to replace them." Not only will Boomers' wealth end up divided among their children, he went on, "but it's unlikely that the kids will stay with you. The decumulation of baby boomers is going to be a time bomb for our industry."
Motivated by a perception that the next generation is more fee-sensitive, McNamara said, his firm is moving to the retainer model with younger clients.
That may be the wave of the future. Glovsky pointed out, "As a planning technique, annuitization is a good way to replace a defined benefit plan. But this isn't a great environment to annuitize." It also doesn't make sense for a fee-only advisor paid on assets under management — an indication that payment structure could be one of the most important changes for advisors intent on meeting the challenges of retirement income.
Check out Charles Ellis: The 'Glory Days' of Performance Investing Are Over on ThinkAdvisor.


text: Tuesday, February 12, 2013 Physical Therapy Provides Short-term Benefits for Unilateral Lateral Epicondylalgia An article* published this month in JAMA reports that in patients with unilateral lateral epicondylalgia, corticosteroid injections were associated with poorer long-term outcomes and higher recurrence rates than other interventions 1 year after receiving the injection. Patients in the same study who participated in 8 weeks of multimodal physical therapy did not achieve long-term outcomes. However, physical therapy was beneficial in the short term in the absence of corticosteroid injection. In addition, significantly fewer patients receiving physical therapy consumed an analgesic or anti-inflammatory medication. This randomized, injection-blinded, placebo-controlled trial was conducted in Australia at a single university research center and 16 primary care settings. A total of 165 patients aged 18 years or older with unilateral lateral epicondylalgia of longer than 6 weeks' duration were enrolled between July 2008 and May 2010; 1-year follow-up was completed in May 2011. Of the 165 patients, 43 received corticosteroid injection, 41 received placebo injection, 40 received corticosteroid injection plus physical therapy, and 41 received placebo injection plus physical therapy. The physical therapy intervention was standardized, based on current evidence, and primarily included manual therapy and exercise. The exercise program included twice daily sensorimotor retraining of gripping and concentric and eccentric exercise to progressively load the wrist extensors using resistive elastic latex bands. The patients' home program and exercise diaries were monitored to facilitate program adherence. The 2 primary outcomes were 1-year global rating of change scores for complete recovery or "much improvement" and 1-year recurrence (defined as complete recovery or much improvement at 4 or 8 weeks but not later) analyzed on an intention-to-treat basis. Secondary outcomes included complete recovery or much improvement at 4 and 26 weeks. At 1 year, corticosteroid injection demonstrated lower complete recovery or much improvement and greater recurrence compared with placebo injection. There were no differences between physical therapy and no physical therapy for complete recovery or much improvement or recurrence. In their analysis of secondary outcomes, the authors found that at 4 weeks there was a significant interaction between corticosteroid injection and physical therapy for complete recovery or much improvement. In particular, patients who received the placebo injection plus physical therapy had greater complete recovery or much improvement compared with patients who did not receive physical therapy, and medium-sized benefits for worst pain, resting pain, and pain and disability. Despite their finding that physical therapy did not provide a statistically significant long-term effect on complete recovery compared with the other groups, the authors say that physical therapy "should not be dismissed altogether," because in the absence of corticosteroid it provided short-term benefit across all outcomes and had the highest percentage of participants reporting a complete recovery or improvement at 1 year. The results of this study were widely reported in the mainstream media, including articles by USA Today, The New York Times, ABC News, NPR, and CBS News. * The full text of this study is available by subscription or purchase only. Copyright protections prohibit APTA from disseminating the information. For suggestions about obtaining literature, visit APTA's Finding Information in Physical Therapy Literature webpage. Comments Thanks for correctly highlighting that this study does in fact suggest a net benefit to using physiotherapy in treating tennis elbow. I have seen a number of erroneous health headlines in reference to this paper that suggest physiotherapy is no better than doing nothing to treat this condition - a conclusion which is not supported by the data presented in the study. It's important to note that not only did patients receiving physiotherapy exhibit significant improvement earlier than those that did not (the physiotherapy group demonstrated statistically significant improvements at 4 weeks of treatment)and had the most ideal outcomes, they also had the lowest rate of recurrence. Perhaps even more important to note, the authors of this study narrowly define 'physiotherapy' as "manual elbow therapy and exercise", and provided ALL participants in the study with education on pain avoidance, analgesics and anti inflammatories, braces, use of heat/cold, etc. Such education is obviously a central component of any physiotherapy program, and as such it is not surprising to me that patients in the "no-physiotherapy" group eventually got better on their own. If you're interested, I wrote my own review of this clinical study here: http://www.torontophysiotherapy.ca/rehab-science-blog/physiotherapy-for-tennis-elbow/ Best, Ryan Posted by Ryan Davey on 2/13/2013 9:54 AM Thanks for posting and I agree with what Ryan has posted. The other important aspect to note is that it is very difficult to standardize a manual therapy, hands-on soft tissue technique because each patient has an individualized problem that is not best solved by a protocol or cook book method, which unfortunately is what has to be used in a RCT. Posted by Aaron LeBauer on 2/15/2013 6:11 PM


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text:
World's Largest Country Goes for KDE
As reported at CNet Asia, China has announced a new policy mandating homegrown software solutions throughout government agencies. Redflag Linux, a Linux distribution backed by the Chinese government, seems to be well situated to to fill their OS needs. And along with Redflag Linux Desktop 3.2 comes none other than our favorite desktop.
From the product sheet for their latest desktop offering: "Redflag Linux Desktop 3.2 introduces the latest and stable KDE desktop environment. The interface, beautiful and decent, is similar to that of [the] Windows operating system, enabling convenient operation for a green hand."
While I'm not sure about the "green hand" bit -- it sounds like they're happy with their KDE desktops. Hopefully we'll see more of the public sector following suit and embracing regional Open Source / Free Software solution providers.
This should enumerate the couple of Spanish GNOME computers. :-)
By Anonymous at Tue, 2003/08/19 - 5:00am
Re: Nice
KDE has a dictionary too, you know ;)
By Lee at Tue, 2003/08/19 - 5:00am
Re: Nice
He/she says that, because of LinEx, a Debian based distribution, which uses GNOME as a basis:
Linex is the basis OS for Extremadura, an autonomous community in Spain.
By Alex at Tue, 2003/08/19 - 5:00am
special tool to enter chinese characters
It seems like they are using a special tool to enter chinese characters...
By thomas at Tue, 2003/08/19 - 5:00am
Re: special tool to enter chinese characters
XIM (x input method) clients have been around for years. There are at least dozens of them for many languages.
KDE *still* has some i18n issues left though, Many of these are on the QT side. Maybe this much exposure might nudge QT to do something about it.
By Ken at Tue, 2003/08/19 - 5:00am
Re: special tool to enter chinese characters
Yes but XIM really sucks for inputting Chinese. I've used redflag 3.2 and they have their own front end to XIM which works better than the other free ones available; but still it is a long way behind entering Chinese on Windows.
By JSC at Thu, 2003/08/21 - 5:00am
Re: special tool to enter chinese characters
Just out of curiosity:
By thomas at Fri, 2003/08/22 - 5:00am
Re: special tool to enter chinese characters
Its easier to do than it is to explain. I'll describe the most common method in mainland China but you first have to understand a little about the language.
The written Chinese language is entirely pictorial based (normally referred to as characters), no new news there, each syllable is represented by one character and each character has one or more meanings depending on the context. Some characters can represent more than one syllable. Whole words are either single characters or combinations of characters.
There are many dialects in Chinese and different dialects pronounce the same characters differently. But they all write the same way (there are some very small differences, for example Cantonese has lots of its own characters), for now we will also ignore the differences between the old form of chinese characters and the new form. The Chinese language is also tonal. That means that one sound such as 'ma' can be pronounced in 5 different ways.
How do you write a Chinese character on a standard qwerty keyboard? There are two approaches: pronunciation or by breaking down the character into its component parts and mapping these to key combinations.
The most common Chinese input method in mainland China is 'pinyin' which is based on romanising the sounds of the Chinese language. Using pinyin I can write an entire sentence using western characters: jiu zhe yang (just like this).
With the old simple pinyin systems you would enter these syllables one at a time and then the computer would pop open a little box and show you all the characters that have this sound. With all the different tones this can be a lot. I always dread having to look up characters for the sound 'ji' there are about 50 or so of them!
So when you have identified the correct character you select it (either with your mouse, or by pressing a number which appears above each option) and it is transferred to the document yu are writing in.
Modern systems are more intelligent and basically work in a similar way to writing on a mobile phone. As you type pinyin the computer tries to make sense of what you are writing and select the correct characters. As you write you can correct its wrong choices.
The microsoft Chinese input system is very good at getting out of your way and letting you just type - it is very good at guessing what you mean.
I switched to Linux on the desktop a few years ago and I have to admit there are times now when I have to write in Chinese and rather than send an e-mail and suffer the paignful Chinese input system I write a fax by hand.
I hope that gives you a rough idea of how it works.
By JSC at Fri, 2003/08/22 - 5:00am
Re: special tool to enter chinese characters
There is a mistake in my earlier post. When I said:
"Some characters can represent more than one syllable"
I meant that some characters can represent more than one sound.
Sometimes Chinese characters have to be thought of as representing concepts rather than specific words.
By JSC at Fri, 2003/08/22 - 5:00am
Re: special tool to enter chinese characters
Thanks for your detailed answer!
By thomas at Fri, 2003/08/22 - 5:00am
Re: special tool to enter chinese characters
Right... so what's the best way to input chinese chars in KDE? I want to write to friends in china and right now am writing pinyin....
By james at Sat, 2006/09/16 - 5:00am
The most popular...
This has a very interesting and entertaining aspect. Of course I'm very happy about this and I believe it will be a benefit for the people of China and for KDE. However it kind of tweaks me and it would be cool to know their numbers. Certainly China is by far the most populous nation on earth. Anyway when I tell people about open source it's fun to tell them I lead one of the most popular apps in open source and I think it's safe to say the most popular OSS web development tool on Linux... Now it appears that it's possible it could become the most popular web development tool in the world without me even knowing if it is. That's a bit of a mind bender... but really fun! ;-)
So now we can all say we use what could be the most popular desktop in the world (on some day that we don't know when). Perhaps it would be interesting to get some indication of hardware sales in China and extrapolate the estimated Red Flag installs? It would be entertaining to think of M$ as a US centric niche desktop. ;-) Even better would be to realize proportional contributions from China and India on development efforts. That could produce really exciting results!
By Eric Laffoon at Tue, 2003/08/19 - 5:00am
Re: The most popular...
> Now it appears that it's possible it could become the most popular web development tool in the world without me even knowing if it is..
Perhaps in ten years.. but right now, the combined computer usage of North America and Europe far outweighs any other continents combined. There is a great deal of development going on in places like China and India, but it's still, for the most part, hasn't reached the main part of the population.
By fault at Wed, 2003/08/20 - 5:00am
Re: The most popular...
Sorry to break it to you, but according to distrowatch, RedFlag doesn't come with quanta. It's only a 1 CD distro, so they obviously have to make some cuts.
By Damien Byrne at Thu, 2003/08/21 - 5:00am
Re: The most popular...
Don't think it matter to much if it's bundled or not. Quanta isn't a tool for the "regular guy" anyway. It's not like every guy out there develop web-pages. But for those who do, Quanta is easy to grab/install, and would probably be the program of choice for KDE-people.
And a little note to you Eric: Keep on the good work, I'm sure Quanta will become the most popular webdevelopment-package in China although it doesn't come bundled. I'm from Norway, and have used Quanta for many years now, and I find it to be the most excellent tool I've ever seen for web-development. No matter operation-system.
By Helge Øyvind Hoel at Sun, 2003/08/24 - 5:00am
To me its a little scarey about China picking it up. Ever notice how close of an ideology Open Source is to Communism?
By Anonymous at Tue, 2003/08/19 - 5:00am
Re: China?
Which just goes to show that when we get to the point where you can duplicate physical goods including skyscrapers, bridges, etc. as easily as you can duplicate software communism will finally be practical :).
By Ideology at Tue, 2003/08/19 - 5:00am
Re: China?
I just want to point out that China has not been truly communist for more than a decade. It has been embracing captialism very rapidly, which makes it *fascist*.
By Chris Bordeman at Wed, 2003/08/20 - 5:00am
Re: China?
Facism and communism are like fire and water. Communism + Capitalism != Facism!
Communism is both an economic and governing type. Capitalism is only an economic type. Fascism, in many respects, is an ideology of negativism: anti-liberal, *anti-Communist*, anti-democratic, anti-egalitarian, etc. As a political and economic system in Italy, it combined elements of corporatism, totalitarianism, nationalism, and anti-communism.
By Ac at Wed, 2003/08/20 - 5:00am
Re: China?
??? Communism is simply centralized control on both the political and economic sides, no matter what the underlying ideals are. Fascism is totalitarian on mostly just the political side. When a communist state abandons Socialist ideals and decentralizes on the economic side, they are moving toward fascism. It is absurd to say a communist country *cannot* evolve into a fascist one.
By Chris Bordeman at Wed, 2003/08/20 - 5:00am
Re: China?
Your definition of Communism is total nonsense.
Not only the fact of centralization is important but most important the underlying idea! Facism is the last state of Capitalism where in both ones 'big profit' is the underlying idea. Communism is an ideal society of Socialism where 'all equal, all free, no exploitation' is the main idea. You see, both ones are the opposite to each other.
P.S.: I hope the manpower of China will reflect itself in contributions/patches/fixes to the KDE sources
By [email protected] at Thu, 2003/08/21 - 5:00am
Re: China?
Your definition of fascism as only a *right wing* phenomenom is incorrect, and seems designed to hide the natural evolution of Marxism and Socialism to a form of Fascism as is now occuring in China.
For a quick explanation why, please read this:
http://www.mail-archive.com/[email protected]/msg01091.html
And for a more thorough study:
There tons of articles, research papers, books, studies, etc. documenting and exploring China's move to Fascism, just do a quick google search. This narrow "original intentmeans as much as the end results" response is a left-wing defense mechanism for their precious socialism and everyone should see through it.
By Chris Bordeman at Thu, 2003/08/21 - 5:00am
Re: China?
I'm no expert, but I would say that China is a (primitively) socialist state, with a communist government.
The fact that the government is using some capitalist economic policies to increase the living standard and level of development of the country needn't be a bad thing, although people may well disagree as to how far the adoption of these policies will go.
I also believe that for a government to be fascist, it must see complete control as the preferred means of operation. However, it could be argued that the government in China only exercises its control enough to maintain stability in the country. For instance, China does have non-communist political parties with which the government works closely.
Addressing the original point, though, I think it is sad that some Open Source enthusiasts (who realise the ability of humans to work cooperatively rather than selfishly) feel the need to post uninformed political condemnations of other countries which share these ideals.
By NoNeed at Fri, 2003/08/22 - 5:00am
Re: China?
The Open Source ideology is: develop in the most efficient, bug-free manner, which happens to be by opening the source code to encourage more eyes to look at the code and develop it.
You're thinking of the Free Software ideology...
Anywho, Free Software emphasises the important of the freedom of the individual user, and by extension the "society" of users, over the individual programmer(s) who write the code. As RMS recently commented, proprietary software tends to promote division and control. Marx wrote about similar themes, so in a sense they're close, even though what you see in China is about as far from Marxism as any "communist" state has managed.
By Tom at Tue, 2003/08/19 - 5:00am
Re: China?
While it must be convenient to pigeon-hole communism as being a system which goes against freedom, that it is not really what communism is about. If I may paraphrase the Communist Manifesto:
'The only freedom communism deprives people of is the power to subjugate the labor of others'.
To put that in practical terms, under communism people would not be able to make money from owning something. Under capitalism, someone can own a factory and pay the workers there a fraction of the profits. Thus the owner makes money not from working, but by subjugating the labour of others, i.e. simply by owning something.
This is similar to the principle behind closed source code. Someone owns a software patent, or a proprietary but widespread file type, or a near monopoly on desktop OSes, and then they can make money not from producing good products or services, but by abusing their position of control.
Of course, you may be talking about freedom in the sense of civil rights, but I think the universal truth is that all governments will infringe the rights of their citizens if the alternative is the country breaking down. Look at how the American government has put forward the Patriot Act and uses Guantanemo Bay to protect itself from terrorists. Previously America used similar laws and strategies to oppose the rise of communism in its own country and abroad, just as countries with communist governments have taken harsh steps to stop the rise of capitalism.
As for China, I would not call it a communist state, as it is closer to a socialist state with a communist party in government. As for its distance from the Marxist ideal for a state, I don't think anyone disagrees that it has a long way to go. I would say, though, that the government is applying Marxist theory in analysing the current state of the country and realising that the level of development is not yet right for the introduction of further socialist economic elements.
In summary, the political equivalent of the type of freedom in Free Software is the freedom offered by a system where the workers own the means of production.
By NoNeed at Fri, 2003/08/22 - 5:00am
Re: China?
>'The only freedom communism deprives people
Just goes to show you how dangerous left-wing idealism really is.
By Chris Bordeman at Sun, 2003/08/24 - 5:00am
Re: China?
Hey, there's nothing about capitalism or free enterprise that keeps good-hearted individuals, or even governments, from producing free software. If you're free to choose, you're free to choose not to charge. Anyway, congratulations KDE team for spreading your good work to China!
By MH Dixon at Tue, 2003/08/19 - 5:00am
Re: China?
how is it scary, exactly?
By Aaron J. Seigo at Tue, 2003/08/19 - 5:00am
Re: China?
Its scary that the Open Source phenomenon, the source code, is owned by the community. Everything under Communism is owned by the community. According to Marx, people are paid what they need. Then again I hear everyone has a job. Although splitting money equally amoung all classes is a horendous idea. I'm sure the lower class would love it, although people still do carry on different rankings in society.
Putting that into terms of this software initiative, there are people that will never spend their time dedicated working on an Open Source project. How does that help repay those few that do spend their time? People are doing very technical work with a low payoff? Only the Capitalism involved gives monies to the Open Source workers. Competition too is a capitalist attribute, being Open Source or X versus Microsoft. Think of this way, under Communism how many different types of competing government produced toliet paper will you find? How about just one, why compete, that's a capitalist idea!
By Anonymous at Tue, 2003/08/26 - 5:00am
Re: China?
There's nothing fundamentally wrong with communism. It's just a little tough to implement correctly. The same could be said for capitalism; there are many flaws in its implementation, too. Yet, if OSS shares the benefits of either of those systems, yet continues to work the way it does, then it's a good thing. Certainly not something to be afraid of :)
By Lee at Tue, 2003/08/19 - 5:00am
Re: China?
> There's nothing fundamentally wrong with communism. It's just a little tough to implement correctly.
You mean "theoretically" wrong with it. In theory it sounds wonderful. It is worth noting that by definition governments can't implement it because they always revert to socialism with a ruling class. I studied communal societies as a young man because of the idealisms. One could argue it had some degree of success in the first century Christian church. It failed the pilgrims and in a book on communes in America over several hundred years I was stunned to find that every single one of them failed. In fact it is safe to say that it is nearly impossible to implement because it restricts any reward incentive, is antithetical to individualism and tends to have an adverse impact on personal responsibility.
> The same could be said for capitalism; there are many flaws in its implementation, too.
One could argue it's chief flaw is it's inequitable distribution. Certainly the failing of either ideal centers on their practice by greedy and immoral people. Monopolies, government corruption and exactly where to balance the socialist elements of the common good create problems, but of the forms mentioned only capitalism has demonstrable proof of long term success.
> Yet, if OSS shares the benefits of either of those systems, yet continues to work the way it does, then it's a good thing.
The communist slur on OSS is very wrong. The truth is that it is agnostic to your political views and social ideals. If you believe in the worker's utopian paradise or you think the government has no business in insurance and retirement you will still have something to like in OSS. The only ones who can object are those who wish to run IP like a lottery and work once so they can collect forever... an ideal that is not really of either camp. (Those who want to be paid for what they don't produce because they once produced are lazy gamblers.)
OSS makes sense because:
> Certainly not something to be afraid of :)
Being afraid of this couldn't be more obtuse. By delivering open source software to China we in fact deliver our friendship and a message of the values of free software. We are saying "We want you to have these tools and we hope you will be enriched and they can help you make your life better." What could be better than that? This also means more Chinese are connected to the internet. I wish the North Koreans were all connected but they endure total information control. Do you know what they are told? Ask yourself if you think people will be more likely to march off to war with you if they only know they were told you are a murderous hoarde, or if they are using software you gave them freely to use and they have communicated with you by email.
We should all be very happy that China is moving to get people connected and to improve opportunity for their people. The only thing we should fear is ignorance, and being connected is where the cure lies.
By Eric Laffoon at Tue, 2003/08/19 - 5:00am
Re: China?
> The communist slur on OSS is very wrong.
Ehm. I think this statement is wrong :)
> The truth is that it is agnostic to your political views and social ideals.
While I agree with this.
To make a long story as short as possible (and henceforth wrong like all simplifications of an inherently complex matter) there are two "layers" of communism: a social level, and an economical level; and the two are somewhat distinct, even if related. Oversimplifying, at the economical level communism basically means (usually) a sharing of the tools and of the deriving products. Again oversimplifying, at the social level communism means "no ownership".
Translated into software terms, FLOSS *does* result in an essentially economically communistic environment; what it doesn't do is fit the "social" communistic point of view, which would rather become something akin to "no intellectual property (of software)".
If some social structure has to be found in the FLOSS, this would rather be, IMO, an anarchic (self-aggregating, self-ruling communities) one. But that's another matter.
By Giuseppe Bilotta at Wed, 2003/08/20 - 5:00am
Re: China?
China nowadays is less communist than you might think? Market driven policies are leaving a lot of people out to dry, as they can't rely on state-run companies anymore.
I think this has to do more with technological independence (and security to some extent) rather than communism.
By Ken at Tue, 2003/08/19 - 5:00am
Re: China?
The problem is China is a dictatorship with a more and more capitalistic system.
You're right, this decision is about independency and strengthening its own economy.
By CE at Tue, 2003/08/19 - 5:00am
Good Point
It is just like it. Lets see
oh wait, This does not sound like OSS, but sounds like .....
By a.c. at Wed, 2003/08/20 - 5:00am
Re: China? FOSS software, capitalism, free markets
Actually if you look at capitalism it is based on a free market economy(in theory)
With electronic duplication and internet distribution the marginal cost to produce one unit of software (an office suite for example) is close to zero. So the cost of for downloading software should be close to zero.
Worldwide internet distribution should be as close to free market economics as possible. As far as barriers to entry, you can produce software with a single PC.
By cmoss at Wed, 2003/08/20 - 5:00am
Re: China?
Have you seen Chinese economic theories since 1978? hardly communist (they never were, and neither was the soviet union)
By fault at Wed, 2003/08/20 - 5:00am
Re: China?
Interesting though, how OSS was invented inside capitalist societies...
By Chris Bordeman at Wed, 2003/08/20 - 5:00am
Re: Red, Red China?
>>To me its a little scarey about China picking it up. Ever notice how close of an ideology Open Source is to Communism?<<
Communism is rather state monopolies - one size fits it all: You have to buy that little, clunky, smelly two-stroke lawn mower engine powered Trabant car or walk because it's the only car you can buy.
If you want something special, say Banana or Mango fruits for dinner - you get probably laughted upon by the rough shop keeper in the government owned store. (if not they go after you for provokation ;-) )
Doesn't it rather match the business practices of a big software company from the North east of the United States? (let me see: one size has to fit, it's clunky, it will explode in a spectacular fire ball in the case of the slightest accident as its Trabant counterpart, you get ridiculed if you want something special ;-) )
Well the Chinese do what they want to do and their government is their business. If many of them choose Linux and KDE then they are our friends, aren't they;-)
By beccon at Wed, 2003/08/20 - 5:00am
Re: China?
Ever notice how far China is from being Free and Open?
By anonon at Wed, 2003/08/20 - 5:00am
Re: China?
> Ever notice how close of an ideology Open Source is to Communism?
Open source works.
How about that for close?
By Nobby Pseudonym at Sat, 2003/08/23 - 5:00am
China is not the largest country in the world ...
It is the third largest (after Russia and Canada). It does have the highest population, however.
By Sinuhe at Tue, 2003/08/19 - 5:00am
Re: China is not the largest country in the world
So some might say it has the largest population.
By Scyber at Tue, 2003/08/19 - 5:00am
Re: China is not the largest country in the world
china is actually the 4th largest after Russia, canada, USA and after china comes brazil
By Re: China is no... at Fri, 2004/01/30 - 6:00am
Re: China is not the largest country in the world
United States of America
By ggggggg at Fri, 2004/01/30 - 6:00am
Re: China is not the largest country in the world
I think you would find China is indeed the 3rd largest country in the world, it is larger than the U.S, not by much i grant you but it's big enough.
1 Russia 6.6 million mi2 (17 million km2)
By Rob at Sat, 2004/04/24 - 5:00am
Re: China is not the largest country in the world
Is this "Russia" figure from a *current* source?
I mean, back when it used to be the USSR it was like that. But nowadays big chunks of the former area have become states in their own rights: like Mongolia, Belorussia, Ukraine....
By anon coward at Sat, 2004/04/24 - 5:00am
Re: China is not the largest country in the world
Are you into CIA paraganda.
By Garabooo at Sun, 2005/08/21 - 5:00am


text:
The broker-dealer industry is going through a less-than-wonderful transition to a more automated and tech-connected world, according to many experts and insiders at TechLeaders 2013.
The annual conference, which ended Friday in the greater Dallas area and drew about 150 professionals, highlighted the multiple challenges faced by independent advisors and their broker-dealers in the face of rapidly changing technology, regulations and investor demands.
For one, there are generational issues at play.
Take social media. "As valuable as social media is for client relations and for keeping up with clients' families and milestones, it probably won't be fully embraced by financial advisors for another 20 years," said Peter Montoya, the event's executive producer, in an interview with AdvisorOne. "It's an age issue, and as the younger advisors age, you will see its use grow."
For some broker-dealers, social media seems to be little more than a headache. "Why do we have to make 'em do it?" asked one IT executive during a roundtable discussion on Friday.
The answer, judging from a variety of responses in the crowd, seems to be that there is little choice. Montoya agrees.
"At the heart of this business are the client relationships," said the Newport Beach, Calif.-based expert. "Some advisors say that, when they are selling their businesses, they are selling their client assets. But it really comes down to their relationships.
The use of social media can help strengthen relationships with long-term clients, he notes. Plus, it can help advisors find prospects and build business with new clients.
"The model is not about cold calling anymore," Montoya explained. "Now, it is social media. Again, it's all about relationships."
In terms of broker-dealers, "There was lots of pushback initially [to social media] because of compliance issues. But now we are seeing a shift as they come to grips with how to overcome these concerns, especially with webpages," said David Lawrence, president of EfficientPractice.com, a San Diego-based consulting firm, in an interview.
While there will always be exceptions, "I'm getting more latitude with the small guys, who are more nimble," explains Lawrence, who that works with small and large broker-dealers. "Also, I see the big guys coming around—over time."
Connecting the Dots
To improve the relationship between advisors and technology, staff members at broker-dealers need to sit down with advisors, according to the consultant, "and take them through the process of learning how to leverage social media in ways that will bring results."
The same is true for advisors' use of other IT tools, Lawrence adds, which can have a positive impact on advisors' practice management and results.
"We are confronting the fact that advisors feel they already have too much work," he noted. "And they don't equate having a social media presence with real results. I've heard them say the same thing about websites."
Sharing "hard" analysis (i.e., numbers) with advisors on how technology can improve their relationships and hence their business is critical.
"When we demonstrate the benefits [of technology tools like social media] and find ways for advisors to manage and maintain these entities, it's a win-win for them," Lawrence said.
Still, Montoya thinks it will be some time before social media and other technology is universally accepted.
"By and large, you can say that the tech-centric reps are doing more, while the balance of reps let their staff do it."


text:
This is not an offer for credit and should be used for estimation purposes only based on the information you provided. You should not base your decision on this estimate alone. Title, registration, tax and other fees, and personal circumstances such as employment status and personal credit history, were not considered in the calculations.
What parent doesn't want the best for his or her kids? You try to give them every advantage you can—a safe place to live, a good education. You try to be a good role model. You teach them that if they're going to try, they should try their hardest. And nothing delivers that lesson like competition.
Honda's CRF150R is designed to give your young Red Rider the biggest advantage ever on the motocross track. It's not just an off-road bike with a low seat height; it's a serious competition machine tailor-maid for young racers. Designed around a single-cylinder Honda Unicam engine, it offers all the performance your riders need to keep them at the front of the pack and get them on top of the podium. For 2018 we've updated the CRF150R's look with new graphics right in line with our open-class CRF450R's.
Plus, since the right-sized bike is critical, to fit a wider variety of riders, we also make the CRF150R available in a second version: the CRF150R Expert, featuring bigger wheels, a higher seat and longer swingarm.
Front - Single 220 mm disc
Rear Brake - Single 190 mm disc
Front Tire - 70/100-17 Dunlop MX51
Rear Tire - 90/100-14
Front - 37 mm fully adjustable leading-axle inverted Showa® cartridge fork; 10.8 in. travel
Rear - Pro-Link® fully adjustable Showa single shock; 10.7 in. travel
MSRP excludes destination charge. Visit powersports.honda.com to view applicable destination charge amount.
CRF250R IS INTENDED FOR CLOSED-COURSE OPERATION ONLY. ALWAYS WEAR A HELMET, EYE PROTECTION, AND PROTECTIVE CLOTHING, AND PLEASE RESPECT THE ENVIRONMENT. OBEY THE LAW AND READ THE OWNER'S MANUAL THOROUGHLY. CRF is a registered trademark of Honda Motor Co., Ltd.


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Bayou Classic Brass Control Valve NV108P
Product Info Guide
Frequently Bought Together
Key Features
This Bayou Classic Control Valve features 1/4 Inch FNPT (Female Pipe Thread) x 1/4 Inch MNPT (Male Pipe Thread).
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Product packaging, owners' manuals, installation instructions, and/or operating instructions may include more information than what is shown on our website. The content on our site is intended to be used for reference purposes only. Please fully read all included manuals and documentation before installing or using this product. WARNING for California residents: this product may contain chemical(s) known to the state of California to cause birth defects, cancer, or other reproductive harm.
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At BBQ.com we pride ourselves on being the grilling experts. From expert product reviews to free outdoor kitchen planning services, BBQ.com is dedicated to being your go-to resource for all things barbecue. Based in Baton Rouge with over 500,000 happy customers nationwide, we stand by our wide selection of grills, smokers, outdoor kitchen components and grilling accessories. Call us with any questions - we're here to help.


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The song appears on the Achtung Baby album. The version that appears on the single is more acoustic and in a lower key than the version on the album. U2 played the song live in concert on the ZOOTV tour opener on February 29, 1992 in Lakeland, Florida. The Temple Bar Edit version can be found on the Earthrise II compilation.
Artists to cover the track include : Dustin on Faith Of Our Fathers; the Royal Philharmonic on Pride:The RPO Plays U2; and Studio 99 on The Best of U2 - A Tribute.
15 September, 2012
Whose Gonna Ride Your Wild HorsesThis is the song that makes me dance no matter where I am or in what mood I'm in when I hear it. The song where I can't help but be happy. If I'm in the car I turn it on full blast and sing along with a smile on my face "hey hey sha la la hey hey sha la la" and the cheeky "baby, can we still be friends?" It was re-released as a b side on Achtung Baby and I honestly have to admit that it's hard to come up with the "favorite" version. I'd probably die if U2 ever played this live from the sheer joy of this little gem.


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All Access Pass - Central London Clubbing Pass
All Access Pass
Event Details
The ALL ACCESS PASS is the only way to party in London.
With just one ticket you get free entry to up to over 25 of London's best bars & nightclubs as well as exclusive drinks deals all night!
So you can find the venues you love, grab your friends and have a great night out without spending a fortune.
Champagne Lifestyle on a Prosecco Budget!
On average people save £30-£50 a night when using The All Access Pass
So get the ultimate London Nightlife pass, and own the night! Passes are available 365 days a year, and each pass is valid for one night for one person.
Don't know where to go? – Our AAP customer service agents are there to help you pick the best bars of Central London, to make sure you have a fabulous night!
When & Where
Zoo Too Bar
17 Bear Street
WC2H 7AQ London
United Kingdom
All Access Pass
1 Big Night Out, the company that brings you the legendary pub crawls in Central London & Shoreditch now lets you run your very own pub crawl with your friends!
The All Access Pass allows you to choose which bars to go to, how long you spend in each venue and how long you spend on your night out!
Complete freedom, with drink discounts and free entry as well!
The Perfect Night Out!


text: Wednesday, December 05, 2012 Roll Call Features APTA in Article on Potential Medicare Payment Cuts APTA is featured in an article in Roll Call about looming Medicare cuts, including the expiration of the Medicare therapy cap exceptions process. With negotiations on the fiscal cliff taking center stage, "It's our responsibility to make sure that some of these long-standing beneficiary-focused, rehabilitation-focused things aren't lost in all that static," says Justin Moore, PT, DPT, APTA vice president public policy, practice, and professional affairs. "We're doing a lot to try to put the patient face on the therapy cap issue specifically." On Monday, APTA and the Therapy Cap Coalition participated in an advocacy drive that brought together almost 50 associations, organizations, and patient groups to urge Congress to "Stop the Cap!" Roll Call posted the article online Tuesday evening; it is running in today's print issue of the paper. Roll Call is widely by members of Congress and their staff. Comments Thank you for your work once again. We love to see patients faces happy about their care. Posted by Heidi Harris on 2/27/2013 8:14 AM


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StubHub is an online ticket marketplace where anyone can buy or sell any ticket to any event nationwide. StubHub is the largest ticket marketplace in the world, based on sales, and the Official Fan to Fan Ticket Marketplace of marlins.com. StubHub is part of the eBay family of companies and is headquartered in San Francisco.
Sell tickets on StubHub from your season ticket account
You can still sell tickets on StubHub directly through stubhub.com
You can buy tickets on StubHub directly through stubhub.com
You can also visit StubHub's help center to ask a question or to read more about a particular topic.


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Phone – 888.424.3336
Email – firstname.lastname@example.com
701 Tecumseh Road
Clinton, Michigan 49236
Exceptionally satisfying spaghetti of high plains family organic Khorasan (kamut®) wheat, an ancient variety. Its large golden kernels make superior whole grain pasta with sweet flavor and a smooth texture. Many sensitive to modern wheat enjoy kamut. Made by the Eden Organic Pasta Company on vintage Italian equipment with brass dies and slowly air dried. Rich in thiamin B1, magnesium, zinc, copper, and manganese. A good source of protein, fiber, and iron. In a reclosable, recycled and recyclable box with a tasty recipe and its photo on the back.
* See Detailed Description for qualified FDA Health Claim
Eden Organic Kamut Spaghetti provides essential, 100 percent, whole grain nourishment from organic Khorasan wheat. Eden Khorasan is organically grown on the high plains of Montana and North Dakota on family farms by those committed to building vital soil, cleansing the environment, and producing the safest and most nutritious and delicious food.
Eden Organic Kamut Spaghetti is small batch hand crafted at the Eden Organic Pasta Company, a Detroit landmark employing traditional pasta making techniques and vintage Italian equipment since 1923, and the first food production facility in North America to be third party certified organic. Whole Khorasan wheat is milled into flour at our organic, AIB highly rated, Clinton, Michigan mill. The flour is blended and mixed with purified water and slow, thorough kneading prepares the dough. Using a traditional screw press, the dough is extruded through an artisan brass die, cut in long strands, and hung on drying racks. It goes through an initial hot air/steam dryer to reduce moisture slowly, and to the drying room where it spends about 48 hours, three times longer than our other pastas. Each step helps to create spaghetti of exceptional flavor, texture, and character. The pasta is packaged in a reclosable box, with a delicious recipe and photo from Eden's kitchen printed on the back.
All Eden Organic Pasta is packaged in boxes made from recycled and recyclable paperboard, one of the most environmentally friendly packages available. According to the 100 percent Recycled Paperboard Alliance (RPA100.com), "Fourteen trees are saved for each ton of paperboard converted to 100 percent recycled paperboard. Trees are critical to the sequestration of CO2 (a greenhouse gas) in North America. For each ton of paperboard converted to 100 percent recycled paperboard, an equal amount of recovered fiber has been diverted from municipal landfills. Production of 100 percent recycled paperboard uses 50 percent less energy compared to virgin grades of paperboard, thus significantly reducing the greenhouse gases released into the environment."
Khorasan Triticum turgidum spp. turanicum is one of the oldest cultivated varieties of wheat native to Asia Minor and Egypt. It is often referred to as 'King Tut's' wheat. It's related to the ancient grain spelt and is a distant relative of durum wheat. Its plump gold kernels called 'berries' are almost 3 times the size of modern wheat hybrids. Khorasan wheat is allergy friendly. Although it does contain gluten, it's highly water soluble gluten making it easier to digest than modern wheat. This is due to Khorasan's unique nutritional composition. Research by the International Food Allergy Association (IFAA) says, "For most wheat sensitive people, Khorasan wheat can be an excellent substitute for common wheat." Dr. Ellen Yoder, President of IFAA and a team of independent scientists and physicians arrived at this conclusion after studying two groups of wheat sensitive people - those with immediate immune system responses and those with a delayed immune system response. The delayed immune response group showed a remarkable 70 percent greater sensitivity to common wheat than to Kamut. With the immediate immune response group, those who were severely allergic, they found that 70 percent had no or minor reaction to Kamut. The Kamut Association of America and Europe calls kamut "the wheat you can eat." Khorasan wheat was introduced to America by an organic farmer in Montana in the 1940s. It is a rare non-hybridized wheat that offers the highest protein of any wheat.
Whole grain is the heart of a healthy diet providing the broadest spectrum of nutrients in the proportions that we need for good health and well being. Commercial pasta is made from highly refined chemically treated flour, processed in minutes through Teflon dies and ultra high heat or microwave drying, resulting in inferior flavor, diminished nutrition, poor cooking quality, and questionable value.
Scientists at the USDA Human Nutrition Research Center at Tufts University say, "Whole grains help regulate blood sugar by slowing down the conversion of complex carbohydrates into sugar. In fact, low-glycemic index foods such as whole grains reduce hunger and can help to control weight." Scientists at the Agriculture Research Service completed a study of more than 2,000 people concluding, "at least three or more servings of whole grain foods everyday could reduce the chances of developing metabolic syndrome - a condition marked by a combination of abdominal obesity, high blood pressure, poor blood sugar control, low HDL 'good' cholesterol and high blood fats."
According to the FDA, "Diets rich in whole grain foods and other plant foods and low in total fat, saturated fat, and cholesterol may reduce the risk of heart disease and some cancers." The FDA also states, "Low fat diets rich in fiber-containing grain products, fruits, and vegetables may reduce the risk of some types of cancer, a disease associated with many factors." Eden Organic Kamut Spaghetti is 100 percent whole grain, low in total fat, saturated fat and cholesterol free, and an good source of dietary fiber. Also, "Diets low in sodium may reduce the risk of hypertension or high blood pressure, a disease associated with many factors." Eden Organic Kamut Spaghetti is made without salt and is sodium free.
When you bite into properly cooked, al dente, Eden Organic Pasta the flavor and character of the grain is evident. Eden Organic Kamut Spaghetti is made from whole, fresh, unbleached, non enriched flour. It doesn't need to be enriched because the grain has not be stripped of its nutrients. Eden Organic Pasta enhances energy, balance, clarity, and well being.
Use Eden Organic Kamut Spaghetti in your favorite pasta recipes for real whole grain nourishment and delicious flavor. Great with Eden Organic Spaghetti Sauce, or simply tossed with Eden Extra Virgin Olive Oil and fresh herbs.
|Kamut® Spaghetti, 100% Whole Grain, Organic
|Item Number
|Organic Whole Grain Kamut Wheat
|Case Quantity
|Package Size
|14 oz
|Package Size Metric
|397 g
|UPC Code Each
|UPC Code Case
|Eligible for Flat Rate Shipping
|Sodium Free
|Yes, less than 5 mg per serving
|High Fiber
|Yes, 5 g or more per serving (20% or more DV)
|Heart Healthy
|Low Fat
|Yes, 3 g or less per serving
|Non GMO