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Wednesday, March 10
Celebrate St. Patrick's Day with a Beer Ice Cream Float
St. Patrick's Day. It's all about meat, 'taters, cabbage, and leprechauns. No wonder this Italian girl from New England has never gotten excited about it. Fortunately, it's also about beer, and that does get me excited.
I'm a late-comer to beer, but I love it; since I live in San Diego, that's a good thing. With a whopping 33 breweries producing craft beer, San Diego was recently crowned the top beer city in the country by Men's Journal.
I just discovered an amazing seasonal beer called Pipeline Porter. It's brewed by Kona Brewing Company in Hawaii but distributed to only a handful of markets including San Diego. It may just be the perfect beer for a Beer Ice Cream Float.
Made with rich, freshly roasted 100% Hawaiin Kona coffee, Pipeline Porter is a smooth, dark, complex beer with a distinctive espresso flavor. It's delicious on its own, but it's downright decadent when paired with premium coffee ice cream for an authentic Beer Ice Cream Float. If you can't get Pipeline Porter, then substitute another porter or stout with chocolate or espresso notes. Then celebrate St. Patrick's Day, with or without the leprechauns.
Beer Ice Cream Float
Makes 1
Print recipe only here.
2-3 scoops premium coffee ice cream
1 bottle Pipeline Porter (for San Diegans) or other rich, dark, coffee flavored porter or stout
1. Fill a tall chilled glass with ice cream, and slowly pour beer over it. Enjoy!
You might also enjoy these recipes featuring beer from Food Blogga:
Dill and Beer Quick Bread
Chocolate Stout Pudding (for adults only!)
Roasted Sweet Potatoes with Maple Smoked Bacon and Beer (made with San Diego Arrogant Bastard Ale)
You might also enjoy these beer cocktails:
5 Beer Cocktails for St. Patrick's Day at YumSugar
Michelada (a beer cocktail) recipe at Serious Eats
Beer Margarita recipe from The Kitchn
28 comments:
- Jessica said...
This would be an undeniable hit here in Pittsburgh, but the beer would be dyed green. ;)
- March 10, 2010 at 5:40 AM
- T.W. Barritt at Culinary Types said...
You're insane. And, I love it.
- March 10, 2010 at 5:49 AM
- Kathleen said...
As crazy as a beer float seems. I think I would like this. Rootbeer floats have always been too sweet for me so this version might be the ticket.
- March 10, 2010 at 5:49 AM
- Valerie Harrison (bellini) said...
Now there's a new way to enjoy Chocolate Beer that I love.
- March 10, 2010 at 6:17 AM
- Unknown said...
Your favored brew is unavailable to us here in South Mississippi, but we DO have something that fits perfectly into your recipe: Lazy Magnolia Brewery's Southern Pecan brown ale. Makes a fantastic float, not unlike your fave, I'll wager.
- March 10, 2010 at 7:24 AM
- Unplanned Cooking said...
That is a great idea! My husband is obsessed with root beer floats. I bet this would be right up his ally, too.
- March 10, 2010 at 7:48 AM
- Kara said...
Now THIS is a part of St. Patty's Day I can get behind... dark (coffee-y, chocolate-y) beer and coffee ice cream? I'll take two. (such a great idea, Susan!)
- March 10, 2010 at 1:19 PM
- Sari @ Cook Your Dream said...
Wow, that's really interesting! I still can't decide if I like it or not :) I might rather indulge beer and ice cream separately. But I must confess that it looks very intriguing! ;)
- March 10, 2010 at 2:59 PM
- We Are Not Martha said...
This is SO simple but such an awesome idea!
- March 10, 2010 at 3:07 PM
- Rocquie said...
I want one!
- March 10, 2010 at 6:22 PM
- przepisy said...
and i cannot drink so i'd like to coke float;)
- March 11, 2010 at 12:55 AM
- lisaiscooking said...
I've heard of Kona Brewing Company, but haven't tried the Pipeline Porter yet. Sounds fantastic with the coffee ice cream!
- March 11, 2010 at 7:10 AM
- Cookie baker Lynn said...
That's only a short step away from beer milkshakes. Is that really a path we want to go down?
- March 11, 2010 at 9:13 AM
- The Teacher Cooks said...
This is quite interesting.
- March 11, 2010 at 10:23 AM
- Patty said...
I'm so excited for St. Patrick's Day and a beer ice cream float sounds like the perfect way to celebrate!
- March 11, 2010 at 10:33 AM
- Rambling Tart said...
Ohhh, I can't wait to track some of this down! YUM! :-)
- March 11, 2010 at 1:34 PM
- The Food Hunter said...
Now that's an interesting idea.
- March 11, 2010 at 1:54 PM
- tamilyn said...
Not an ice cream fan, but it looks interesting. Not sure who I can try this out on.....
- March 12, 2010 at 12:21 AM
- Susan from Food Blogga said...
tw-Crazy is good. ;)
kathleen-These beer floats are seriously good. I swear.
cal-Hell, yeah!
jean-Oh, I had a pecan ale when I was in RI and absolutely loved it. Sounds perfect for a float!
unplannedcooking-Then he'll really love these!
kara-That 'a girl! ;)
sari-You may be surprised at how much you like it!
sues-Thanks SO much! :)
przepisy-Coke floats are good too!
sagetrifle-Coming right up!
lisaiscooking-If you even find it, I highly recommend trying it.
patty-It makes you feel festive. That's for sure!
lynn-Perhaps, yes. ;)
- March 12, 2010 at 7:37 AM
- Susan from Food Blogga said...
ramblingtart-I hope you find it!
foodhunter-It's great!
tamilyn-It shouldn't be too hard to find a guinea pig!
- March 12, 2010 at 7:39 AM
Check out these guys and their float recipe WWW.guinnessicecream.com
- March 12, 2010 at 11:13 PM
- Kitchen Butterfly said...
Love..........this float. Hmmm
- March 13, 2010 at 1:57 AM
- Kelsey B. said...
This looks fabulous. In fact, now that the kid's asleep...
- March 16, 2010 at 6:02 PM
- Maria said...
Great way to celebrate!
- March 17, 2010 at 8:19 AM
My husband and I made a drink like this from a recipe found in the seat back magazine on Southwest Airline. It made a milk shake with guiness and vanilla ice cream. It tasted great. The beer taste cut the sweetness of the ice cream.
- March 17, 2010 at 11:00 AM
- Cindy said...
Beer Ice Cream Float-oh my, haven't heard of the like. I am going to try it.
- March 24, 2010 at 5:49 PM
- Moon Cat said...
Love love love, Brooklyn brewing black chocolate stout over vanilla ice cream!
- February 3, 2011 at 9:09 AM
- James said...
A few weeks ago, we'd picked up a bottle of Black Boss Porter, which had since been languishing in my fridge. A big, dark, roasty beer that coats the tongue with a wash of coffee, caramel, malt, molasses, and maple syrup, it's delicious—but not exactly a prime dinner companion. So it waited, and I wondered. And then I got thirsty, as I've been known to do—for dessert. Running with a vague recollection of something strange I'd once read in a restaurant review, I took down a drinking glass and my trusty spring-loaded ice cream scoop. I stacked three golf-ball-size scoops of vanilla bean ice cream in the glass, popped open the porter, and poured.
- June 29, 2011 at 2:42 AM


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Colorados prison population is diminishing so quickly that the state in the coming 18 months could close two to 10 prisons, depending on which facilities are chosen for closure.
It looks like the whole system should be shrinking, said state Sen. Kent Lambert, R-Colorado Springs, at a recent legislative hearing.
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We think that is a really, really big deal, said Roxane White, chief of staff to Gov. John Hickenlooper.
Reasons for the drop in prison populations are simple: The state felony crime rate dropped by a third from 2002 to 2011, said Department of Corrections Director Tom Clements. Prosecutors filed a quarter fewer felony charges in the same period.
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The decline in prisoners is good news for the state, which saves tens of millions of dollars in the cost of housing them. But closing prisons can be very bad news for the small towns that rely on them for jobs. Olney Springs in southeastern Colorado, for example, has a population of less than 400. A private prison there has room for 1,700 inmates.
Douglas Wilson, the states chief public defender, says the result is going to be prison work-related job losses for small communities.
Unfortunately, a lot of those smaller communities were sold a bill of goods about, this is going to be good for your community and it did create an economic boom for them, Wilson said. But now, with the populations going down, I think the Legislatures going to have to make some tough decisions about if they close, and if so, where do they close the prisons.
Lambert, the senator from Colorado Springs, compared the economic effect of closing prisons on small towns to a military base closure.
Shutting down prisons even can affect local school districts, he said. The choice is so tough that the state has hired a consultant to sort out the issues and recommend closures and other changes, with a report due by June 30.
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The savings to Colorado taxpayers will vary dramatically with the states choices about what to cut. Not sending an inmate to a private prison saves the state about $20,000 a year. Closing the Fort Lyon prison in Las Animas saved nearly $27,000 per inmate. Shutting down just one wing at the Trinidad prison has saved only $5,800 per prisoner.
White, Hickenloopers chief of staff, told a health conference six weeks ago in Denver that the governor hopes to move the prison savings into health care, including better care in prisons.
That might reduce prison population further, as a third of Colorados inmates have mental illnesses. Many ended up in prison because the state closed mental-health institutions over a period of decades and didnt fund care elsewhere. Some mentally ill people self-medicate with illegal drugs, and end up in trouble with the law. That often creates a classic revolving door that rotates them in and out of prisons.
We are working very hard to get our people out of jail who have mental-health challenges and provide them with care, White said. We all know if we can get those mental-health services in place, we can see cost savings in our jail systems.


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Dr. Matt J. Duffy serves as an assistant professor in the School of Communication and Media at Kennesaw State University in Georgia, USA. He enjoys teaching the art of good journalism, a noble profession and powerful tool for social change. Duffy worked as a journalist for several news outlets including the Boston Herald and the Marietta Daily Journal. He now teaches journalism and media law.
Duffy's research focuses on international approaches to media law. Wolters Kluwer will publish the second edition of his"Media Laws in the United Arab Emirates" in 2017. He has published more than a dozen academic articles and writes occasionally for niche publications. Duffy enjoyed a visit to Pakistan in May 2016 as part of the Fulbright Scholar program from the US State Department. Since 2012, Duffy has served on the board of the Arab-United States Association for Communication Educators, an organization that aims to improve journalism in the Middle East. He also owns Oxford Editing that he started in 2007.


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3 NBA DraftKings Studs to Target on 11/12/18
While building a daily fantasy basketball lineup, it's important to make sure you find the right studs to anchor your team. As the most expensive players in your lineup, they need big-time production to match.
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KDE Image Database 1.0 Released
After exactly one year of coding, several months of bothering people with
When I got my first digital camera a year ago, several image managers
Taking my ignorance to the limit, I decided to develop the desired
Modifying meta info on multiple files in konqueror
I tend to dislike using dot.kde.org as a bug.kde.org but this seems just so relevant...
In konqueror, you can right click on an image, and add meta info for description. This is really cool to use to store info about the picture.
By JohnFlux at Wed, 2003/12/03 - 6:00am
Re: Modifying meta info on multiple files in konqueror
Reply to my own post... just wanted to clarify that this was in response to:
>>It's easy to index your images -- "Label these 10 images as pictures of my girlfriend."
Another quick point:
>>Within a few seconds you can find a given image you have in mind -- "Locate that image of my girlfriend from the holiday on Mallorca in 1998", or "Get me that photo with both my girlfriend and my father."
This seems again like something konqueror (or friends) should be able to do.
The gnome storage stuff seems perfect for this kind of thing..
P.s. I'm not knocking the app - it looks cool :)
By JohnFlux at Wed, 2003/12/03 - 6:00am
Re: Modifying meta info on multiple files in konqueror
fire up the Find File util (or go under the Tools menu in Konqueror) and on the Contents tabs there is a metainfo search option. it works rather well. for images, I select All Images from the file type drop down menu and then go crazy with the metainfo search =) this may be new in 3.2, i don't remember what it looked like in 3.1 anymore
By Aaron J. Seigo at Wed, 2003/12/03 - 6:00am
Re: Modifying meta info on multiple files in konqueror
But not for PNG-images. They don't have a meta-field...
By Andreas Pietzowski at Wed, 2003/12/03 - 6:00am
It does not support EXIF information and so it is useless for me. :(
As a hobbyist photographer, *what I need to switch my photo db on Linux* is something like this:
Version 2.0 comes with its new cross-platform Catalog Reader for free distribution. Share iView catalogs and slide shows with clients, colleagues, friends and families who do not own an iView program.
Organizing your media into catalogs allows you to instantly search, annotate and classify media with unlimited criteria across large volumes of mounted or unmounted media files using the drag-and-drop organizer. MediaPro supports IPTC, EXIF and QuickTime annotation standards, user defined annotations and128 file formats, including popular image, audio/video, and digital camera raw formats. It also converts media into a variety of formats and supports AppleScript.
Creates media catalogs containing thumbnails and annotations that can be viewed even when the original files are no longer on a mounted drive. iView MediaPro allows you to import photos direct from a digital camera and burn media onto a CD-ROM or backup media to a removable volume."
And of course, I need 16bit per channel support on Gimp. And then I can switch on Unix/Linux with all my gear. But such support ain't there yet for pros or for serious hobbyists.
Re: EXIF?
That's a good point. There is an "exif" command line utility for Linux/Unix so it should be *very* easy for Jesper to add this to KimDaBa in the next release. Stay tuned!
Re: EXIF?
And indeed the next version will have EXIF support.
I've already started working on what will be version 1.1 (no 1-year development period again).
1.1 will likely be out just after next holiday - which will be XMas ;-)
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
Re: EXIF?
> As a hobbyist photographer, *what I need to switch my photo db on Linux* is something like this:
Wow! That's a lot of "hobbyist" features. What do you bet they had more than one guy working on it for a year? ;-) Let poor Jesper have a little glory before pointing out all that is not in his initial release. ;-) Actually I looked at a previous version of KimDaBa and it is very cool, though it's obvious it doesn't have some features that could be useful at this time. It is a very slick application that will be useful to me.
> And of course, I need 16bit per channel support on Gimp. And then I can switch on Unix/Linux with all my gear. But such support ain't there yet for pros or for serious hobbyists.
Why don't you have a look at Cinipaint? It's good enough for films like "2 Fast 2 Furious", "Scooby-Doo", "Harry Potter", "Stuart Little" and more. It's also GPL'd and of Gimp heritage. While you're at it if you don't mind shelling out the bucks and want to produce movies there's other cool software like Maya, but it's about the same price as a new car to set up that Linux gear. ;-)
Clearly adding a lot of other features like you mentioned would take some work but there are image gallery creation programs like Kallery by Andras Mantia and other programs that do tasks similar to things you mentioned. To actually make them useful in an integrated set up would take some work and use of DCOP, perhaps kparts and could even be made to interact with programs like Kommander or KJSEmbed. So while it may not be an easy rival to the software you mentioned it's closer than you may think. One important factor is it doesn't have to all live in one application if the various programs can interact well.
By Eric Laffoon at Wed, 2003/12/03 - 6:00am
Re: EXIF?
>Why don't you have a look at Cineipaint?
Cinepaint does have 16bit support but is not as good as the new Gimp 1.3.x for photo retouching and editing. But the Gimp again, doesn't have 16bit. It is a bad cycle.
Re: EXIF?--Cinepaint was FILM GIMP
Film Gimp has 16 bit support.
"..The extended dynamic range of CinePaint appeals not just to 35mm cinematographers, but to 35mm still photographers as well. Still photographers can think of CinePaint as having many more F-stops of range, of being capable of capturing much more subtle nuances of color in a vast blue sky for instance. CinePaint handles 8-bit, 16-bit linear, and 16-bit float images."
I must be missing by what support it doesn't have that you need.
By Marc J. Driftmeyer at Wed, 2003/12/03 - 6:00am
Re: EXIF?--Cinepaint was FILM GIMP
You did not read my reply before you reply!
I said that CinePaint DOES have 16bit support, but is not suitable for photo work as much as Gimp 1.3x is. They have removed a number of Gimp features in order to make it more suitable for movies instead. Gimp 1.3x is way better for photography work, but it does not have 16bit support.
Re: EXIF?--Cinepaint was FILM GIMP
1. If you really care for your pictures you would never, ever, use jpeg, so exif should be an non-issue...
By LaNcom at Wed, 2003/12/03 - 6:00am
Re: EXIF?--Cinepaint was FILM GIMP
Do you know how to get Nikon Coolpix 2100/2500/3100 to take pictures without saving them in JPG format?
By anon at Fri, 2003/12/05 - 6:00am
Re: EXIF?--Cinepaint was FILM GIMP
EXIF can be used with TIFF images as well as JPEG. (But anyhow I disagree with the assertion that if one cares "never, ever" use JPEG. One may care, but there sometimes have to be trade-offs between file size and quality).
By Tim Middleton at Mon, 2004/10/04 - 5:00am
I've always wondered what this bugger did. Hope to see more apps here :)
By Ian Reinhart Geiser at Wed, 2003/12/03 - 6:00am
Re: Coolness
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
Fixed Properties
> KimDaba offers to describe images with a number of properties. These includes date, persons on image, location of image, plus a keyword field
This sounds only useful for people taking photographs of persons at locations with no need for more than one own property. Why not make this full configurable or possible to add/search for unlimited property|content pairs?
Re: Fixed Properties
Hey mate, did you expect me to include a complete feature description in this short announcement?
Of course you can configure the categories to your hearts content. So you may include categories for pet, things, buildings, sex toys, you name it ;-)
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
This sounds great
After Mosfet's PixiePlus ended up dying with him, I thought I would never have a good image manager again, this sounds like it will fill its role for me =)
By Mario at Wed, 2003/12/03 - 6:00am
Re: This sounds great
Mosfet died?
By Khtml bug #1 at Wed, 2003/12/03 - 6:00am
Really, where is Mosfet??
btw this app looks nice. Maybe some functionality could also be in Konqueror, and maybe even using the underlying filesystem's extended attributes (like reiser 4). Then you could burn your collections on CD and browse and search them just as easy.
By wilbert at Wed, 2003/12/03 - 6:00am
Re: Mosfet?
Mosfet comes and goes, for this is his way. He'll be back at some point. There are a lot of "disappearing hackers" in Open Source. KDE has a number of guys that show up for a while and then mysteriously disappear again to later resurface. I think Mosfet is just a bit louder about it. :-)
By Scott Wheeler at Wed, 2003/12/03 - 6:00am
>>It's easy to index your images -- "Label these 10 images..." etc
This is exactly what I've been looking for! Kewl!
By cypherz at Wed, 2003/12/03 - 6:00am
F-Spot comparison?
How is this app compares to GTK#'s upcoming F-SPOT, feature-wise?
Its been dotkded
Downloading at about 2 kilobyte/sec, just like in the bad old days. I'm off to bed now, I'll mirror it on my university space when I get up.
From the screen shots, it looks interesting. Currently I have all my photos in chronological order in folders based on when I downloaded them. I imagine thats just going to get more unwieldy the longer I own the digital camera though.
By Ian Monroe at Wed, 2003/12/03 - 6:00am
Re: Its been dotkded
Indeed it has ;-)
All please be patient, I'm moving as we speak, so things so be much better in less than an hour ;-)
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
Re: Its been dotkded
By Ian Monroe at Wed, 2003/12/03 - 6:00am
Re: Its been dotkded
Its at ktown now, os there should be more enought bandwidth now ;-)
Thanks though.
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
Looks very cool !
Can't wait to try it !
By quarus at Wed, 2003/12/03 - 6:00am
Just about 4 weeks ago I discussed with a friend about such an app and our needs.
By Dani at Wed, 2003/12/03 - 6:00am
Re: GREAT!
So please get in contact with me once you have started using KimDaBa, so we can profile any bottlenecks that might be left.
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
Re: GREAT!
I think a db(mysql) backend could be good.
And if the data's in a db, it would be possible
I'll get in contact with you when KimDaBa is up and running..
are wishlist and buglist on the web accessible?
By Dani at Wed, 2003/12/03 - 6:00am
Re: GREAT!
I did consider putting it into a db from the beginning, but decided to see how a plain file would do, so far the loading time of the 3500 images is not significant. If it should turn out to get to slow I'll consider write db support.
As long as its fast enough a plain XML file is much easier to maintain than a db.
You may still write php code that access the XML file.
wishlist, buglist: see bugs.kde.org.
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
Re: GREAT!
For projects where it's just a little bit too big for a file, and too small for a database, it might be worth having a look at sqlite.
btw, it's not entirely clear. Do you use the meta information in the actual images at all?
By sqlite at Wed, 2003/12/03 - 6:00am
Re: GREAT!
Are you referring to the EXIF info? No I dont use that currently, but next version will include support for it.
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
Re: GREAT!
/me checks in konqueror..
Ah yeah it is exif - that makes other comments make more sense now.. thanks.
Btw when I right click on a png, it doesn't offer me a chance to add a comment or anything about the image. But I thought png allowed arbitrary key-value pairs?
By sqlite at Wed, 2003/12/03 - 6:00am
PNG doesn't have EXIF (its a standard limited to JPEG I think). Konqueror shows comments on the PNG on the Meta-Info tab but doesn't have a way to add any.
By Ian Monroe at Thu, 2003/12/04 - 6:00am
Seems very good so...
What about adding this app to the future KDE 3.3 ?
By LC at Wed, 2003/12/03 - 6:00am
Re: Seems very good so...
Getting applications into the KDE release doesn't seem to be that easy, and I'm for sure no politician (Dont use this agains me if I ever choose to go into politics ;-)
I did ask some people at Kastle if there was interest in getting KimDaBa in there, but people wasn't exactly exited, so lets see.
Feel free to add presure whereever you find it appropriate if you want it in there. I'd be happy to support whatever actions technically needed to get it in there.
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
Re: Seems very good so...
Personaly I don't see any compelling reasons why KimDaBa should go into the main release of KDE. But it's a perfect app to put under the extragear umbrella. And with some planning there are no problems to time your releases to the main KDE ones. And then you don't have to play with politics, just bribe the release dude to add a couple of lines and a link in the release anoncement.
By Morty at Wed, 2003/12/03 - 6:00am
Re: Seems very good so...
Of course, you already know that it *is* under the extragear umbrella, right?! ;-)
If you add some imgSeek.sf.net search features, I will be happy. ;-)
By Tobias at Wed, 2003/12/03 - 6:00am
Re: imgSeek
I'm wondering if you are capable of drawing your girlfriend so well that it finds her rather than your mother ;-)
Nice idea, and I've put it on my wish list, but not exactly at the top.
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
Re: imgSeek
By J. And at Thu, 2003/12/04 - 6:00am
Brings order into chaos
Wow! This thingy is cool!
I'm currently hooked on Windoze but am planning to convert to Linux on XMas. One of the several pieces of data that i will have to "convert" is a moderately large collection of digicam images, which i previously looked at with a horribly stupid digicam browsing tool plus a simple folder structure. KimDaBa gives me categories and free associations to introduce some order into the chaos ;-))
I will *definitely* use it around christmas, expect feedback from me then
By Robert at Wed, 2003/12/03 - 6:00am
Gallery Remote Protocol support??
By Sander at Wed, 2003/12/03 - 6:00am
Re: Gallery Remote Protocol support??
The next release (for January) is already stuffed with other features I want in, so no - not unless someone else joins the project and implements it (hint hint)
I've bookmarked your page, so maybe someday. If the database you refer to is capable of storing all the data KimDaBa has, then it sounds like a good idea to me.
By Jesper Pedersen at Wed, 2003/12/03 - 6:00am
KDE already has Kmrml
There is an application included in KDE since a long time (however I never had luck to get it work) called Kmrml. Is a client for GIFT, a image indexing server with manages to clasificate images similar to an example proposed by the user; it uses an xml based protocol so it can be used in a distributed way over internet. I think it would be interesting to make both applications work together (a possible backend for KimDaBa??). However I have no the time to work on this :-(
By John the anonymous at Wed, 2003/12/03 - 6:00am
digikam and KimDaBa
I have tested both programs and digikam 0.6.0pre is sooo sweet especially with its plugin mechanism. But KimDaBa has the far better features to organize my pictures.
KimDaBa as a digikam-plugin!
Working with a good digicam (EOS300d) and Linux is quite ok. When somebody wants to work on a kde imaging program _please_ use 16bit RGB and colormanagement. You need this today! Scanner and RAW formats use more than 8 bit per channel. There is only CinePaint today for Linux so there is a deep need for a good (=KDE) image manipulation program.
And don't underestimate the size of a picture.
Oh, and a kde-tool (like PTassembler or better than Hugin) for the panotools would also a nice addon ;-)
By Thorsten Schnebeck at Wed, 2003/12/03 - 6:00am
Re: digikam and KimDaBa
Warning: this post contains shameless self-promotion :->
> Kuickshow can't show
Gwenview can view it.
By Aurélien Gâteau at Fri, 2003/12/05 - 6:00am


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I was pleasantly surprised to see that one of my favorite political and economic writers, P.J. O'Rourke, had penned an Op-Ed piece in the Dec. 27, Wall Street Journal on one of my favorite popular misconceptions—the zero-sum game—titled: "Dear Mr. President, Zero-Sum Doesn't Add Up." Politics aside, Mr. O'Rourke's typically lucid deconstruction of this pervasively held notion is just as important to the advisory world as it is to macroeconomics.
Simply put, Game Theory creates mathematical models to capture what most folks have realized for eons, but which seems to have escaped academicians: namely, that successful strategies cannot be based on logic alone, but must consider other people's responses to one's moves. (I know, this seems painfully obvious to most of us, but consider Congress' continual failure to consider changes in taxpayer behavior when it projects future revenues from new taxes, and is then "shocked, shocked" to find the actual revenues from said taxes to be far less than expected.)
One of the most popular ideas to come out of Game Theory is the notion of "zero-sum" games; that is, games in which when one side wins, the other side has to lose. Chess, for instance, or football, such as last Sunday night's Cowboys-Redskins Game (is it just me, or is there something wrong here somewhere?), after which Washington gets to go to the playoffs, while Dallas gets to watch them on TV.
But in other games, the notion of a winner and loser isn't so clear-cut: If Tiger Woods gets into a playoff with Rory McIlroy in this year's Masters Tournament, in which, for playing four days of golf, one of them will take home $1.5 million while the other gets $1 million, it seems a bit of a stretch to call one "the winner" and the other "the loser." Of course, life is full of these non-zero-sum, win/win situations.
In his WSJ column, O'Rourke calls out the current notion that our national (and global) economics is a zero-sum game in which "rich" people are the winners, at the expense of "not so rich" people, who are the losers. "The message is that we live in a zero-sum universe," he wrote. "[That] There is a fixed amount of good things. Life is a pizza. If some people have too many slices, other people have to eat the pizza box. You had no answer to [the] argument for more pizza parlors baking more pizzas. The solution to our problems is redistribution of the pizzas we've got. In this zero-sum universe there is only so much happiness. The idea is that if we wipe the smile off the faces of people with prosperous businesses and successful careers, that will make the rest of us grin."
This zero-sum thinking, of course, is based on a misunderstanding of how our economy works: it assumes that there is a fixed amount of money and goods, which couldn't be further from reality.
One of the main jobs of the Federal Reserve is to monitor how much goods are produced and bought (GDP), and then to vary the supply of money (as measured by M1 and M2) to match it. In robust economies, the Fed simply prints up more money, to facilitate the increased buying and selling; in not so robust economies, like the one we have today, it takes money out of circulation so as to prevent inflation. (As we've seen, artificial attempts to "stimulate" the economy despite the fact that people aren't buying much, as in QE 1, 2, 3, and now 4, don't really work, and will eventually prove inflationary.)
But I digress. The point is that despite our current public discourse that attempts to pit rich people against poor people, people with jobs against people without jobs, business owners against workers, we are in fact all in this together—both nationally and globally. When more of us are working, producing more stuff, we all get more stuff, at lower costs.
I know, one could argue that most of us have a lot of stuff we don't really need, but isn't that a decision for each of us? More important, we also have a lot of stuff we really do need, like food, shelter, clean water, medicine, education and healthcare. Not only is our economy not zero-sum, it is, in fact, win/win/win.
Finally, I hope the zero-sum vs. win/win analysis is not lost on our policy makers at the SEC, DOL and Congress as they continue to reshape the regulation of financial advisors. Wall Street seems to want to categorize retail advice as a zero-sum game: that acting in investors' best interests will cost brokerage firms money. Independent advisors know better: putting the clients' best interest first is simply good business—as the changing economics of financial services clearly show.


text:
Diablo 3 - Most Awesome Video Spoiler Ever. Blue Posts, Giveaway
Breath of the Black Prince
To go along with the new The Black Prince faction there are some quests that end with the reward of a legendary item, the Breath of the Black Prince! This item is likely used to upgrade your gear in some way. Before helping Wrathion, you first share a drink with him while talking about the future of Azeroth.
The first quest in the series requires an honored reputation level, which is earned by killing the mogu and mantid in the Townlong Steppes and the Dread Wastes, as well as any raid creatures.
You must also collect Sigil of Wisdom x 10 and Sigil of Power x 10 from Mogu'shan Vaults, Heart of Fear, or Terrace of Endless Spring. While you are raiding, you need to defeat the Sha of Fear in Terrace of Endless Spring to obtain a Chimera of Fear.
At some point after this he will reward you with a Breath of the Black Prince, but the quests are not chained yet, so we can't be certain as to what the requirements are.
According to the quest descriptions he seems heavily invested in the fate of Pandaria, even hinting towards the oncoming Horde and Alliance war fleets that will turn the beach of Krasarang Wilds into a battlezone in Patch 5.1.
Last Chance to Sign Up: Level-90 Arena Pass
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Inferno Skeleton King Cleared
Method has taken on Inferno Skeleton King and defeated him!
Diablo Blue Posts
We have only selected a few of the blue posts, see the full news at Diablofans or check out their Blue Tracker for all of the Blue Posts!
Originally Posted by Blizzard Entertainment
Diablo III - Race to the Finish Contests
If you haven't yet, make sure to check out the three contests at Diablofans for Diablo III, where they will be giving away a total of three Alienware X51 computers.
Diablo III Giveaway
The "Race to the Finish" is not the only Diablo III contest Curse is holding. Curse is also giving away some Diablo III SteelSeries gear such as the Diablo III Headset, Mouse and Limited Edition Mousepad. Head over to the official content page to enter!
The Daily Blink - The 37th Circle of Hell
The Daily Blink gives us an overview of the Diablo Launch!


text:
How to maintain your sanity during holidays
Cut down on your stress with these tips
By Kelly Herdrich, Contributing writer
Balancing the things you have and want to do over the holidays is no easy task. Thankfully, by making "less is more" your holiday mantra, the holiday season can be managed and your sanity saved.
Between the decorations, the parties, the presents, and day-to-day life, the holiday season has changed over the years.
No longer filled with joy, togetherness and meditation, the holidays have become a string of stressful days and nights. Balancing the things you have and want to do over this time is no easy task. Thankfully, by making "less is more" your holiday mantra, the season can be managed and your sanity saved.
Rethink Gift Giving
One of the most stressful components of the holiday season is the shopping. Holiday shopping is plagued with long lines, pushy customers, and short supply of the must-have items on the Christmas shopping list.
Rather than waste precious holiday hours in stores, consider rethinking holiday gift giving. Do the bulk of holiday shopping online when possible.
Cut down on giving gifts to extended family and friends, and focus on immediate family. Involve the kids in a handmade craft rather than something anyone could purchase at the store.
Rethinking holiday gift giving has the potential to save money, as well as help you maintain your sanity.
Avoid Hosting Holiday Gatherings
The holidays are filled with parties. Between work, family and friends, weekends during the holidays are often bursting with activity.
By choosing to be a guest instead of a host, you can save time and money on party planning. Go to parties to enjoy time with friends and family instead of cooking and cleaning to prepare for one.
Cutting back on hosting responsibilities can reduce stress over the holidays. If you do decide to host, try nontraditional ideas such as ice-skating, as a way to reduce your load.
Don't Stretch Yourself Too Thin
Over scheduling often is one of the most common problems during the holiday season. Even if you've managed to avoid hosting a party yourself, open house and work invitations start arriving earlier and earlier each year.
Avoid stretching yourself too thin this holiday season in order to save your sanity. Be selective when accepting invitations. Allow some downtime every weekend leading up to the holidays, or you will experience holiday burnout before the celebrations have even taken place.
The American Psychological Association reminds people to take care of themselves over the holiday season.
Accept Help, Cut Corners
Don't take it upon yourself to handle everything that needs to get done this holiday season.
Delegate some shopping to your spouse. Have the children wrap presents. Let the entire family decorate.
If guests are coming to you, don't decline their offers to bring food or drink. Or consider cutting out the turkey and ham for dinner, and sticking with just one. Use a store-bought pie instead of a homemade one.
Maintaining your sanity this holiday season can be accomplished by sharing the workload and cutting corners.
The holidays don't have to be filled with stress and anxiety. Realize that less is more and look for ways to include the entire family in what needs to be accomplished. By cutting back instead of running yourself ragged, you'll be able to maintain your sanity this holiday season.
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Barley Grass
This fragrance oil is so beautifully upscale and it behaves very well in cold process soap making. If you are looking to do intricate swirls, this is the perfect fragrance for that, as it slows trace.
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Nov 15, 2019
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Amazing scent! Even my husband thought it smelled fantastic. Very slight tan discoloration, no acceleration. I will be buying this frequently!
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I placed an order on Wednesday March 4th. That same day I received an e-mail confirmation to let me know my shipment would have arrived on Friday March 6th. Well because of the storm, I received my order on Monday March 9th. I am very pleased with the shipping and I absolutely love all of the fragrances that I chose! To top that they also throw in freebies! Thank you !!!!! So go ahead place your order NOW! Fast shipping n wonderful smelling products!
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Available ebook formats: epub mobi pdf lrf pdb html
Kenneth Guthrie is the author of hundreds of short stories and novels. He has currently finished the Neo-Tokyo Death Battle Series and is working on the second book in the Wilson Jack Series, which sees the big man closing in on Cathedral while facing danger on all sides.
Other recent novels are Tank Unimaginable (Sci-Fi), Bowl of Beasts (Dark Fantasy), Gamer 2: Dragon Land Expansion (Sci-Fi), Fighter (Ninja), Wilson (Thriller) and the Drac Ula Series (Dark Fantasy).
The three books in the Neo-Tokyo Death Battle Series are Survivor, Hunted and Finalist.
Cover image credit: Fernando Cortés at Fotolia.com


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Version-control specialist Codice Software has launched a language-aware source code merge tool called Semantic Merge. Billed as a world first, the tool uses "merge technology" built into the firm's Plastic SCM core product to consolidate files that are heavily refactored in parallel by different developers, regardless of the code programming language.
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- Thinking Like an Attacker: Strategies for Defense
It will be first available for developers using C# and Visual Basic .NET as part of the tool's beta launch release, with plans to extend use of the tool for developers using Java and C++. Semantic Merge is not limited to developers using Plastic SCM and can be configured to work with Git, Subversion, Perforce, ClearCase, Team Foundation Server, Mercurial, and many others.
Modern Agile software development is based on a shared working pattern typified by "modify then merge" (then repeat) working practices. Coders work in parallel on the same codebase performing concurrent changes, potentially inside the same files that need to be reconciled back together (merged in version control terms).
In order to perform these code merges, developers rely on merge tools.
As readers may know, merge systems today use text-based algorithms. But these tools won't actually consider the programming language the code is written in just the modifications on the text so existing merge tools are language agnostic and have a wide operation range.
However, not being able to act based on the specific programming language structures means the merge tools are heavily dependent on the position of the texts being modified, which strongly restricts developers' ability to perform changes concurrently and improve code quality and readability by refactoring.
In light of this situation, Codice says that coders can use Semantic Merge to track and preserve all changes performed concurrently, i.e. making sure that all code is assembled back together precisely.
The new three-way merge tool understands code structure. It doesn't use a textual comparison method to compare its three contributors. Instead, it uses a new approach to merge, which stems from the work Codice Software performed to develop the Plastic SCM merge system and Xmerge technology, and adds language-dependent parsing to create a source code merging machine. Using this language-aware source code tool, software developers can restructure existing bodies of code much more quickly and improve overall code quality and reliability.
Every day, millions of lines of code are written, modified, moved, and reorganized as developers update and create new features in games, devices, and applications. In order to improve code quality and readability throughout the software lifecycle, developers engage in refactoring, a software practice that requires frequent structure changes.
Software developers often work on the same codebase performing concurrent changes, potentially inside the same files, that eventually need to be merged in version control terms. However, merging code becomes a difficult process because existing tools use text-based algorithms, which are heavily dependent on the position of the texts being modified and don't consider the programming language the code is written on.
"We noticed that there were a large number of merge scenarios that could not be managed by current text-based, language agnostic merge tools" said Francisco Monteverde, CEO of Codice Software. "We set out to create an innately smart, language-aware tool. Our Semantic Merge tool is able to combine files that are heavily refactored in parallel by different developers and rapidly incorporate changes that no other merge tool on the market can achieve based on text-comparison algorithms alone. We are committed to offering superior technology in the distributed versioning control system, and now with the release of Semantic Merge, our merging technology is second to none in the industry."


text: . . . highlights include Johann Strauss's "Zampa" polka, with its vaguely Balkan twists, the extraordinary delicacy of the "Alexandrinen" polka, and Josef Strauss's gorgeous, expansive, and rarely heard "Music of the Spheres" waltz (a work of almost Wagnerian, atmosphere, in a "Lohengrin" sense). Barenboim's readings of "The Blue Danube" and "Radetzky March". . . are invested with a warmth and vitality, and, in the case of the march, a striking, dignity that render them among the most memorable in the entire series of New Year's concert recordings. Decca's acoustics are clear, spacious, and immediate. As warmly recommended as these works are played.


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Lush, green hills and tranquil beaches with gorgeous views of the sea may not be the first images to spring to mind when thinking about Hong Kong.
But this well-known mecca for endless shopping, glitzy nightlife and towering skyscrapers that seem to defy architectural logic is also an outdoor enthusiast's dream. Hong Kong offers a myriad of options for hiking, sunbathing or just about any leisurely paced outdoor activity. Best of all, it's all within just a short ferry ride from the frenzied pace of Hong Kong's central business district.
What makes this all the more delightful for many visitors is it's so unexpected. Few people realize that more than 80% of Hong Kong consists of lands where urbanization has yet to make a mark. Most of this untouched splendour is in the so-called New Territories, which were leased to Britain in 1898, nearly half a century after Hong Kong Island itself.
There are 235 islands that make up the Hong Kong territory, several dotted with quaint villages and rugged terrain that can be awe-inspiringly beautiful, especially on days when air pollution is light and the sun makes an appearance.
Two of the most popular island destinations, both within an inexpensive one-hour or less ferry ride from Hong Kong Island, are Lamma and Lantau.
Ferries departing from the main pier in Central will whisk you away to your choice of two villages on Lamma -- Yung Shue Wan and Sok Kwu Wan. Yung Shue Wan, in the north of Lamma Island, is the most modern and populated of the two, with about 6,000 people calling it home.
A number of artists, former city dwellers and expatriates live here, seeking refuge from the hustle and bustle (not to mention high rents) of Hong Kong Island, and there are a number of small, privately run hotels for those who want a longer stay.
The harbour is a lovely backdrop to the town, a former farming and fishing village now sustained by tourism. Handicraft, clothing and souvenir shops and a variety of restaurants and pubs line the main street.
Sok Kwu Wan is a smaller, less tourist-oriented town, but not without its own rustic charms. A visit should include dining at one of the many seafood restaurants that border the ferry pier.
Lantau is a much larger island (at 146 square kilometres, twice the size of Hong Kong island) and you could spend days walking its hilly trails, sun tanning at its numerous beaches and visiting renowned tourist sites.
Its highest peak is nearly a kilo-metre above sea level, with spectacular vistas to be discovered throughout the island.
The most relaxing way to get to Lantau is by ferry. The main arrival point for ferries is Mui Wo, and you can connect here to other parts of the island by bus or taxi. Among the beaches -- reachable by bus or taxi --is Cheung Sha, a relatively clean, 1.6 kilometre-long beach that's perfect for swimming, windsurfing or kayaking.


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White compound is medium, great for practice and all-around use.
Blue compound is firm for high-bite tracks.
Please note: foam inserts not included.


text:
Speaking with Jeff from DoubleLine Capital quickly gets intense. No, not CEO and CIO Jeff Gundlach (although he's intense in his own right), rather Jeff Sherman, portfolio manager for the firm's commodities-based strategies.
The first question is obvious—DoubleLine has a commodity play? The fixed-income powerhouse and star manager status of Gundlach make it easy to overlook. But Sherman's laid back appearance and California attitude quickly fades when he gets talking, and it's clear his expertise is there.
"We jumped on the Japan trade early," Sherman begins. "We extrapolated that to the United States, but of course that means shorting the yen. We also shorted silver when it hit about $40, and we also shorted copper because we believe a global slowdown is expressed through copper."
Taking specific aim at those that mention commodities as if it were a "monolithic asset class" that expresses the same level of volatility at any given time, he adds that in order to be successful, a manager has to dig deeper, and yes, time the market.
"It's what we get paid to do," Sherman (left) argues. "Each is subject to its own supply-and-demand characteristics. Therefore a long/short strategy like we run is necessary."
He mentions and dismisses Goldman Sachs' notion of a commodity super cycle, a term widely discussed lately.
"They talked about a super cycle and diversification in the same breath," he scoffs, before adding he doesn't want to pick on Goldman specifically. "They are antithetical terms. Either you have a super cycle where all commodities move together, or they move independently and are diverse. You can't have both."
Calling it an "outright industrial metal revolution," rather than a super cycle, he notes everyone is now flocking to agriculture due to "adverse weather extremes brought on by global warming, for lack of a better term."
"You have to be opportunistic, therefore, with commodities," before reiterating, "they must be timed."
The long/short strategy to which he referred is dollar neutral, but not market neutral, because "we don't know what 'the market' is, but the commodities performed exactly to what we expected with zero correlation."
Ultimately, the goal of commodity-based investing is the same as anything else; to find different sources of return.
"Over the long term, do commodities provide a premium? No," he concludes. "Long/short is the way to do it. Everyone now says they're backing out of their long-only positions. With commodities, we don't know what that means. We're on the other side of those trades. It's what we do."


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1dreaminc.Net - Info
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text: STMX is a high-performance Common Lisp library for composable Transactional Memory (TM), a concurrency control mechanism aimed at making concurrent programming easier to write and understand. Instead of traditional lock-based programming, one programs with atomic memory transactions: if a memory transaction returns normally it is committed. If it signals an error, it is rolled back. Transactions can safely run in parallel in different threads, are re-executed from the beginning in case of conflicts or if consistent reads cannot be guaranteed, and effects of a transaction are not visible from other threads until committed. This gives freedom from deadlocks, automatic rollback on failure, and aims to resolve the tension between granularity and concurrency.


text:
Beach houses are often perceived as the pinnacle of achievement for a high-net-worth family. Like the Bush or Kennedy family compounds in New England, they evoke thoughts of multigenerational ties and shared values, songs by the campfire and touch football on the lawn.
And then there's the reality.
When Stacy Allred, a director in the wealth structuring unit of Merrill Lynch's Private Banking and Investment Group, sat down to work with a West Coast family on preserving their cherished gathering spot along with a sense of multigenerational harmony, she quickly found herself dealing with a challenge that has cropped up for many baby boomers and their children. While a beach house, mountain retreat or European villa may be just a vacation home, it is also charged with emotions and family history that must be considered when the time comes for the next generation to take possession of that beloved second home.
A Small Cabin Becomes a Large House
In the case of Allred's clients, a young couple living in San Francisco back in the 1960s bought a small cabin on a large piece of land on the coast, two hours from the city. What was at first a getaway for the young couple and their four small children became a place that the whole extended family enjoyed, including aunts, uncles and cousins. A series of renovations and additions turned the small cabin into a large house, and those four children now have adult children of their own.
"The original matriarch and patriarch have died, and the trust they left for upkeep and maintenance is dwindling," recounts a Merrill viewpoint, "Who Gets the Beach House?," published this August, just as many families were enjoying their final summer days on the shore. "After years of exposure to the elements, the home needs a new roof, new siding and other major repairs. Yet those physical upgrades, while significant, are merely symbolic of much larger challenges facing a family that longed for the home to be as meaningful for subsequent generations as it had been for them. Who pays the bills? Who oversees the upkeep? Who gets to use the house, and when?"
For the Northern California family, one son had done particularly well financially. While it might seem that his good fortune solved the family's beach house preservation issues, it was only the beginning of a process that involved a meeting of siblings and their spouses plus nieces and nephews, featuring Allred as mediator.
"They didn't want to come in as 'deep pockets,'" Allred recalls of the son and his wife, who had asked her to help organize and run the meeting. "They wanted it to be collaborative. The biggest priority was maintaining family unity. They didn't expect preferential weeks in the home, or an extra vote on matters pertaining to the house."
For advisors who need to help their own clients resolve beach house estate planning issues, read on for a how-to from Merrill Lynch's Private Banking and Investment Group.
Working with the northern California couple's certified public accountant and estate attorney, Stacy Allred of Merrill Lynch's Private Banking and Investment Group helped coordinate a strategy to create a trust to cover major capital improvements, ongoing maintenance and taxes for the family beach house.
The technicalities of the transaction look like this: The trust was structured to receive gifts as "current" gifts, meaning that the recipients had the right to withdraw the gifts from the trust within a limited window and use them for their own purposes. Thus, the couple was able to use their annual gift tax exclusion to fund the trust without having to cut into their lifetime gift tax exemption limit. This is because the government allows each spouse annual tax-exempt gifts of up to $14,000 per individual recipient, so the brother and his wife together were able to give a total of $28,000 to each of 18 relatives, for a total of $500,000. The couple can repeat this process each year until the trust has reached a level capable of maintaining the home for decades to come.
While every family situation is unique, the case of the California compound highlights "a universal point about the intergenerational issues surrounding the family vacation home," according to the Merrill publication. "They should be handled with the same attention to detail you'd bestow on the succession of a family business."
The Essential Master Plan
Michael Liersch, director of behavioral finance for Bank of America Merrill Lynch, acknowledges that such a view may seem counterintuitive, since a family retreat is supposed to be about feeling good and letting go. "People tend to think that a place of relaxation and fun is a place without rules," Liersch says. "But a place of anxiety and uncertainty isn't fun, and that's what having no rules creates."
Liersch advises creating a "master plan" that includes an online calendar that extended family members spread across the country or around the world can access through a file-sharing application. "That way people can request times for the home, and everyone knows who's using the place and when," he says. "The calendar can include maintenance schedules and track routine expenses."
Wendy Goffe, a Seattle-based estate attorney, lays out the concept of the master plan in "From NASCAR Condominiums to Private Mausoleums: Keeping the Home in the Family," noting that the first step in creating a master plan is to have a facilitator interview each family member.
To be sure, the master plan's arguably most vital function is a clear directive on how the property will transfer from one generation to the next.
"The facilitator's report provides sufficient information so that family members can make meaningful decisions with respect to the property jointly," Goffe writes. "If the family is unable to reach an agreement, one or more family meetings guided by the facilitator could follow to resolve areas of dispute, further define areas of agreement, and continue building a consensus. The development of a master plan with the assistance of a trained neutral third party is especially useful when the senior generation has already ceded control of the property to the next generation and questions and issues concerning actual management have arisen."
How to Hand a House Down
The most efficient way to hand the house down is through an outright gift while the owners are still alive, according to Merrill Lynch's Private Banking and Investment Group. "It's relatively easy, inexpensive and can require minimal paperwork," the viewpoint asserts.
Potential tax benefits also make this an attractive option. While 22 states impose estate and/or inheritance taxes, only Connecticut and Minnesota have a gift tax. At the federal level, gift and estate taxes stand at 40% for amounts greater than $5.25 million as of 2013, adjusted annually for inflation.
"There is, however, an advantage to giving the gift during your lifetime," the viewpoint adds. "It's analogous to being able to invest pre-tax versus post-tax dollars into a retirement account: When you write a check to cover gift taxes, you can simply pay the amount out of whatever available resources you have. But if you leave the home in your estate and wish to have your estate cover the tax bill, you may be drawing on funds that have already been nearly halved by the wealth-transfer rate as part of your taxable estate."
Ways to ease the tax burden of a vacation house include:
1) A qualified personal residence trust (QPRT). A QPRT with a term of 10 years, for example, the house is given to the trust, thus removing it from a taxable estate. During the term of the trust, the original owner continues to use the home and pay taxes and other regular expenses. Once the 10-year term expires, the beneficiaries become the owners of the property, and from then on, whenever the original owner uses the property, he or she must pay fair market rent.
There are drawbacks to a QPRT, however. If the grantor dies before the trust term expires, the home reverts to his or her taxable estate. And then, says the Merrill viewpoint, there's the potential emotional drawback: "The former owner may find it irksome to pay fair market rent topping $15,000 a week for a Martha's Vineyard or Sun Valley retreat that still psychologically feels like home."
2) To retain greater control and protect against hurt feelings, families can instead transfer ownership of the home to a family limited liability company. The grantors then gift shares in the LLC to transfer ownership. There is a tax benefit to this method, as well. While distributed shares are subject to gift taxes, because multiple people have shares, individual recipients don't control the property and can't sell it, so the value of their gifts can be discounted for tax purposes.
"Unlike a QPRT, an LLC offers the flexibility to maintain or share decision-making responsibility as you see fit," the viewpoint notes. "As with a family-owned business, you might, for example, decide to distribute nonvoting shares to the kids, giving them a financial stake in the house while withholding their vote in major decisions until you feel the time is right."
Read Americans, and Their Money, Flee High-Tax States at ThinkAdvisor.


text: Our Peach freeze dried rose petals are very pretty and can be used in so many romantic ways. You can place them inside the wedding invitation, you can throw them, you can sprinkle them on the table, or use them in your runner aisle. The freeze dried petals are biodegradable and are welcome to the churches and many other places. These freeze-dried rose petals are truly versatile as they can be used as confetti, table decorations, to sprinkle on the path to the church or reception, as part of the cake table decorations. These beautiful freeze dried rose petals can be placed into baskets and cones for your guests to throw. We offer a sample service so that you can see for yourself the quality, the color and the size of the petals.


text:
Who should be on your diabetes team?
Your Primary Doctor
One of the most important people to have on your team when you have diabetes is your primary doctor. He or she may be the first person to recommend you be tested for diabetes. Once you are a confirmed diabetic, you have to undergo a series of tests. First, you must have your blood pressure tested, then your cholesterol. If needed, your primary doctor can refer you to other resources such as a diabetes specialist or a dietician.
An endocrinologist is a doctor that specializes in treating disorders within the endocrine system, which includes diabetes. Often referred to as the "diabetes doctor," endocrinologists are a great resource for both Type 1 and Type 2 diabetics. According to the Hormone Health Network, endocrinologists help diabetics who are in need of medications or insulin. Without it, diabetics are at risk of developing problems with their liver, kidneys and nerves.
Maintaining a healthy diet is crucial to a diabetic. In order to stay healthy, a diabetic must include foods rich in calcium, potassium, magnesium and vitamins A, C and E in each of their meals. For many, it is a challenge to find foods and prepare meals that include all of these supplements. As a result, it is recommended that diabetics seek the assistance of a dietician. Once diagnosed with diabetes, your eating habits may have to drastically change. A dietician can help you prepare and serve nutritious food.
Since exercise is extremely important for diabetics to stay healthy, some doctors may recommend you get a gym pass or a personal trainer. Trainers will design a custom workout just for you. As your fitness progresses, they may alter or boost your program. Working out will keep you in shape and healthy.


text:
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text: Monday, November 26, 2012 New Podcast: Measuring Physical Activity Physical activity and physical fitness are closely linked—that is, a measure of an individual's habitual level of physical activity including exercise is closely correlated to his or her level of physical fitness. A new APTA podcast focuses on screening for inactivity. The podcast distinguishes between physical activity and physical fitness, explains the use of physical activity to screen for issues of impaired physical fitness, and provides information on what to do with the results of the screen. It also gives examples illustrating various types of patients and the role that physical activity plays in their overall health. This new podcast is part of a web presence titled "Vital Signs and Other Patient Screenings" and is included in a series of podcasts titled "Extracting Hidden Gems from Simple Clinical Measures." This podcast combined with part 1 and part 2 of the podcast series "Inactivity: An Epidemic," available at www.apta.org/PreventionWellness, explains why information about physical activity is valuable, how to gather the data, and what to do with the data based on the different results obtained. APTA podcasts are prerecorded discussions and interviews, not live events. Members can listen to podcasts at their convenience by clicking on the links provided in News Now articles, visiting www.apta.org/podcasts/, or subscribing to APTA podcasts on iTunes.


text:
Variable annuities with guaranteed lifetime benefits have become increasingly popular among clients planning for retirement income in recent years. However, like any other valuable product, these annuities come with a price tag that may make them impractical or undesirable for clients because of high fees that can easily exceed 3.5% of assets annually.
These clients are not alone: insurance carriers are also feeling the financial strain that comes from offering these costly products. As a result, many companies have begun to offer simplified versions of the traditional variable annuity with a lifetime income guarantee, with reduced fee structures. While clients may be relieved to see these lower sticker prices, it will often be up to the financial advisor to navigate the product features—and possible benefit tradeoffs—in this new sea of lower-cost annuity options.
The Problem with Today's Variable Annuities
The market turbulence of the past half-decade caused many clients who previously rejected the idea of tying their assets into low-risk annuity products to reevaluate their positions. The popularity of variable annuity products has soared in the intervening years. This has prompted many insurance carriers to develop highly specialized—and equally complicated—variable annuity products geared toward increasing the marketability of these products.
In today's annuity world, the options are almost limitless: clients can include riders to provide for long-term care, inflation protection, or life insurance-type death benefits, among others. This array of possibilities can make for a market in which many—if not most—clients have a difficult time understanding the benefits they are actually purchasing.
One of the more desirable annuity product features is the guaranteed lifetime income benefit. For many clients, these products represent a tradeoff because they offer relatively low returns in exchange for the promise of a guaranteed income stream for life. Importantly for some, these products allow the client to participate in the stock market without the same level of risk because the lifetime income stream is guaranteed.
This guarantee comes with a price tag that can increase the total annual annuity fee by over 1%, however, bringing the total annual fee to around 3.5% of the assets in the client's account. Since the annual guaranteed returns on a variable annuity are low to begin with (at maybe 5% or 6%), it may be difficult for some clients to justify these fees. Further, even with these fees, today's low interest rate environment has made it difficult for the insurance company to profit from products offering guaranteed living benefits.
A Cost-Effective Simplification
In response to consumer confusion and reduced profitability, many major insurance carriers have begun to offer simplified versions of the variable annuity with lifetime income guarantee with annual lower fees closer to 2% of account asset value in some cases.
These products continue to guarantee an income payout each year for life, which is all that many clients really want in the first place. The company guarantees that the percentage payout will be based on the value of the assets that the client initially invests in the account, and no less. If the market performs well, the percentage may be based on the higher value of the appreciated assets.
This is where the underlying asset allocation becomes important—some insurance carriers allow the client to invest primarily in stocks (up to 80% in some cases), while others require closer to a 50-50 mix between stocks and bonds. Other carriers limit the client to a choice of several portfolio options—for example, the client must select one of three different portfolios of stocks and bonds chosen and managed by the carrier. While this professional guidance and simplification may be invaluable for some clients, others may prefer to exercise more control over their investment choice.
Some of these products also offer a deferral option that can allow the client to increase the eventual payout rate, meaning that the insurance company guarantees that the value upon which the payout is eventually based will rise by a certain amount in the years that the client waits before beginning the lifetime income stream.
In many cases, the only reason that a client is willing to consider an annuity product is because of one or more of the specific benefit choices that are now available. For many other clients, however, the maze of benefit options—and associated higher fees—deters them from entering the market at all. For these clients, a product with a guaranteed lifetime income stream at lower cost can be a perfect match.
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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