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Parody, satire, and verbal wit characterize S. J. Perelman's (February 1, 1904 – October 17, 1979) works. Most of them are very short and tend to begin as conversational essays that develop into narrative or mock dramatic episodes and sometimes return to essay. Perelman called them feuilletons (little leaves), "comic essays of a particular type." They seem formally related to the earliest American forms of short story, Benjamin Franklin's bagatelles and early American humor. Norris Yates best summarizes the worldview reflected in Perelman's work: Perelman values normal life, "integrity, sincerity, skepticism, taste, a respect for competence, a striving after the golden mean, and a longing for better communication and understanding among men." Yates sees Perelman's typical persona (the "I" of the pieces) as a Little Man resisting the forces of American cultural life that would "invade and corrupt his personality and impel him toward neuroses," the forces which seem determined to destroy the values Perelman holds. According to Yates, these forces manifest themselves for Perelman most decisively in "the mass media, which are, on the whole, the offspring of technology's unconsecrated marriage with Big Business."
Perelman's "autobiographical" work reveals his version of the Little Man. A favorite type of The New Yorker humorists, the Little Man is a caricature of a typical middleclass, early twentieth century American male, usually represented as helpless before the complexities of technological society, cowed by its crass commercialism, dominated by desperate, unfulfilled women, sustaining himself on heroic fantasies of a bygone or imaginary era. James Thurber's Walter Mitty has become the classic presentation of this character type. Perelman's personae seem related to the type, but vary in several significant ways.
Acres and Pains
In Acres and Pains, the major collection of his adventures on his farm, he makes his persona into a city dweller who has naïvely tried to realize a romantic agrarian dream on his country estate but who has come to see the error of his ways. Perelman uses this reversal of the rube in the city to debunk a sentimental picture of country life by exaggerating his trials. Many episodes show good country people betraying the ideal with which they are associated. Contractors, antique dealers, and barn painters rob him of purse and peace. "Perelman" differs from the Little Man type in that, although he may at any time fall victim to another illusion, he knows and admits that country life is no romance. In these sketches, he also differs from the Little Man type in his relationship to wife and family. He is not dominated by a frustrated woman. He and his wife are usually mutual victims of pastoral illusion, although often she suffers more than he.
This "Perelman" is most like the typical Little Man when he deals with machines. For example, when his water pump goes berserk during a dinner party, he handles the problem with successful incompetence: "By exerting a slight leverage, I succeeded in prying off the gasket or outer jacket of the pump, exactly as you would a baked potato. . . . This gave me room to poke around the innards with a sharp stick. I cleaned the pump thoroughly . . . and, as a final precaution, opened the windows to allow the water to drain down the slope." The major difference between this persona and Walter Mitty is that the former is competent; he escapes neurosis and resists with some success his crazy world. By splitting the narrator into a present sophisticate (a mask that often slips) and a former fool, he tends to shift the butt of humor away from the present narrator and toward the man who believes in romantic ideals and toward the people who so completely fail to live up to any admirable ideals. The latter are typified by the contractor who digs "Perelman's" pool in a bad place although he knows the best place for it. Asked why he offered his advice when the pool was dynamited rather than before it was begun, he virtuously replies. "It don't pay to poke your nose in other people's business." Implied in these tall tales of mock pastoral life are criticisms of the values which oppose those Yates lists: dishonesty, hypocrisy, greed, naïveté, incompetence, overenthusiasm, deliberately created confusion, and lying.
Looking over the full range of Perelman's first-person sketches, one sees significant variation in the presentation of the persona. In Acres and Pains, the narrator is much more concrete than in many other sketches in which the "I" is virtually an empty mind waiting to take shape under the power of some absurd mass-media language. Perelman is acutely sensitive to this language as a kind of oppression. Many of his sketches explore "sub-dialects" of American English in order to expose and ridicule the values that underlie them. "Tomorrow—Fairly Cloudy" is a typical example of the author's probing of a sample of American language.
Tomorrow—Fairly Cloudy
In "Tomorrow—Fairly Cloudy," Perelman notices a new advertisement for a toothpaste which promises its users rescue from humdrum ordinary life and elevation into romance and success. In his introduction, Perelman emphasizes the absurdity of taking such ads seriously, describes the ad in detail, then introduces a dramatic scenario by observing that this ad heralds the coming demise of a desperate industry: "So all the old tactics have finally broken down—wheedling, abuse, snobbery and terror. I look forward to the last great era in advertising, a period packed with gloom, defeatism, and frustration." In the following spectacle, the children bubble excited "adese" while father despairs over his drab life:
Bobby—Oh, Moms, I'm so glad you and Dads decided to install a Genfeedco automatic oil burner and air conditioner with the new self-ventilating screen flaps plus finger control! It is noiseless, cuts down heating bills, and makes the air we breathe richer in vita-ray particles. . . .
Mr. Bradley (tonelessly)—Well, I suppose anything is better than a heap of slag at this end of the cellar.
Soon the Fletchers arrive to sneer at their towels and to make the Bradleys aware of all the products they do not have. The sketch ends in apocalypse as their inferior plumbing gives way, and they all drown in their combination cellar and playroom. It remains unclear throughout whether this episode forecasts the forms of future advertising or its effects on the public.
Perelman exposes the absurdity of this language of conspicuous consumption by imagining its literal acceptance. In the world this language implies, happiness is possessing the right gadgets. If sales are to continue, it must be impossible for most people ever to have all the right things, and so impossible ever to be happy. The Bradleys have the right oil burner, but their towels disintegrate in two days, and they failed to use Sumwenco Super-Annealed Brass Pipe. This last omission costs them their lives. Not only their happiness but also their very survival depend on their ability to possess the right new product.
Entered as Second-Class Matter" • Perelman's many sketches of this type culminate perhaps in "Entered as Second-Class Matter," which is apparently a montage of fragments lifted (and, one hopes, sometimes fabricated) from magazine fiction and advertising. The resulting silliness may be intended as a portrait of the mass feminine mind as perceived by American magazines, 1930-1944. It ends:
We have scoured the fiction market to set before you Three Million Tiny Sweat Glands Functioning in that vibrant panorama of tomorrow so that Your Sensitive Bowel Muscles Can react to the almost inevitable realization that only by enrichment and guidance plus a soothing depilatory can America face its problems confidently, unafraid, well-groomed mouth-happy, breaking hair off at the roots without undue stench. Okay, Miss America!
In such pieces, Perelman's values are clearly those Yates names. Especially important in these works is the humorous attempt to clear away the garbage of American language culture through ridicule. This aim is central to the series "Cloudland Revisited," in which he reexamines the popular literature of his youth. Perelman varies this formula with attacks on absurd fashion and the language of fashion, one of the best of which is "Farewell, My Lovely Appetizer."
Verbal Wit
Perelman is deservedly most admired for his faculty of verbal wit. In several of his more conventional stories which seem less restrained by satiric ends, his playfulness dazzles. Among the best of these are "The Idol's Eye," "Seedlings of Desire," and "The Love Decoy." Based on the sensational plots of teen-romance, "The Love Decoy" is narrated by a coed who seeks revenge on an instructor who once failed to make a pass and who later humiliated her before her classmates by accusing her of "galvanizing around nights." Her plan is to lure him to her room after hours, then expose him as a corrupter of undergraduates. This plan backfires in a non sequitur when a lecherous dean arrives to assault her. The reader expects the plot to complicate, but instead it is transformed when the dean is unmasked as Jim the Penman who framed the girl's father and sent him to the pen. Other identities are revealed, and the reader arrives at the end of a detective thriller. Although there is parody here of sentimental language and plot, the story seems more intent on fun than ridicule. It contains a number of Perelman's most celebrated witticisms. For example:
He caught my armin a vice-like grip and drewmeto him, but with a blow I sent him groveling. In ten minutes he was back with a basket of appetizing fresh picked grovels. We squeezed them and drank the piquant juice thirstily.
At the center of this wit is the double entendre. Multiple meanings of words suggest the multiple contexts in which they may apply. Perelman juxtaposes these contexts, makes rapid shifts between them, and sometimes uses a suggestion to imagine a new context. The effects are sometimes surreal. The double meaning of "sent" suggests a transformation from a blow to the groin to an activity such as berrying. "Groveling" gathers an imaginary context which generates a new noun, "grovels." Although this reading seems most plausible, in another reading there are no transformations, and gathering grovels becomes a euphemistic way to describe the amorous instructor's reaction to her literal attack or to her unusually expressed affection.
Perelman creates this slipperiness of meaning and encourages it to reverberate in this passage and in the language and structure of the whole work. One result is a heightened alertness in the reader to the ambiguity of language and the elusiveness of meaning, a first but important step on the way to the sort of respect for language Perelman implies in his many critiques of its abuses. This concern connects Perelman most closely with James Joyce, whom he considered the greatest modern comic writer, with a number of his contemporaries, including William Faulkner and James Thurber. Although Perelman has not the stature of these great writers, he shares with them a consciousness of the peculiar problems of modern life and a belief that how one uses language is important to recognizing and dealing with those problems. Among The New Yorker humorists with whom S. J. Perelman is associated, he is probably one of the lesser lights, showing neither the versatility, the variety, nor the universality of Dorothy Parker or of Thurber. Although critical estimates of his achievement vary, there is general agreement that his best work, done mostly before 1950, shows a marvelous gift for verbal wit.
Major Works
Plays: The Night Before Christmas, pr. 1941 (with Laura Perelman); One Touch of Venus, pr. 1943 (with Ogden Nash); The Beauty Part, pr. 1961.
Miscellaneous: That Old Gang o' Mine: The Early and Essential S. J. Perelman, 1984 (Richard Marschall, editor).
Nonfiction: The Last Laugh, 1981; Don't Tread on Me: Selected Letters of S. J. Perelman, 1987; Conversations with S. J. Perelman, 1995 (Tom Teicholz, editor).
Screenplays: Monkey Business, 1931; Horse Feathers, 1932; Around theWorld in Eighty Days, 1956.
Adams, Michael. "A Critical Introduction to The Best of S. J. Perelman by Sidney Namlerep." In Masterplots II: Short Story Series, edited by Charles E. May. Rev. ed. Vol. 2. Pasadena, Calif.: Salem Press, 2004.
Epstein, Joseph. "Sid, You Made the Prose Too Thin." Commentary 84 (September, 1987): 53-60.Fowler, Douglas. S. J. Perelman. Boston: Twayne, 1983.
Gale, Steven. S. J. Perelman: A Critical Study. New York: Greenwood Press, 1987.
____________. S. J. Perelman: An Annotated Bibliography. New York: Garland, 1985.Gale, Steven H., ed. S. J. Perelman: Critical Essays. New York: Garland, 1992.
Herrmann, Dorothy. S. J. Perelman: A Life. New York: Putnam, 1986.
Katona, Cynthia Lee. "The Love Decoy." In Masterplots II: Short Story Series, edited by Charles E. May. Rev. ed. Vol. 5. Pasadena, Calif.: Salem Press, 2004.
Perelman, S. J. Conversations with S. J. Perelman. Edited by TomTeicholz. Jackson: University Press of Mississippi, 1995.
Plimpton, George, ed. Writers at Work: The Paris Review Interviews, Second Series. New York: Viking Press, 1963.
Yates, Norris Wilson. "The Sane Psychoses of S. J. Perelman." In The American Humorist: Conscience of the Twentieth Century. Ames: Iowa State University Press, 1964.
Categories: Short Story


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Save Georgian Bay's Lighthouses
The iconic lighthouses that have defined the Georgian Bay landscape for over a hundred years are under threat. The Canadian Coast Guard has deemed them as being 'surplus' to their needs, so most of the major lights on the Bay have either demolition or death by neglect in their future.
Above: twilight settles over the Bustard Islands lighthouse and twin ranges, possibly for the last time.
Wait, what are you talking about? Are you serious?
We're deadly serious. Interpreting the letter of the Heritage Lighthouse Protection Act, the Coast Guard has ignored the spirit of the Act and declared almost 1000 lighthouses across Canada as being surplus to their needs.
|Bustard Rocks
|Gereaux Island
|Pointe au Baril
|Red Rock
|Snug Harbour
|Jones Island
|Christian Island
You've got to be kidding. Why?
The Coast Guard, to put it simply, doesn't want to maintain the buildings any more. Most of the Georgian Bay lights are wooden structures, in remote hard-to-get-to locations. They would much rather erect simple steel towers that require minimal maintenance than be in the business of, shall we say, property management. The HLPA was supposed to protect these historical structures, but instead could see the majority of them destroyed.
Above: the light at Pointe au Baril begins to glow as night settles over the Bay.
There must be something we can do.
In order to be saved, a lighthouse has to be nominated for heritage status by May 29 2012 with two things: a list of no less than 25 signed names, and a party willing to take over the structure and maintain it to heritage standards. This is a financial burden that individuals and many smaller municipalities will be unable to take on.
The Heritage Canada Foundation is organizing a petition to the federal government to provide funds to local groups and communities to save Canada's lighthouses for future generations. Without that assistance, we fear that most of the lighthouses on the Bay will be lost. To date, only the Killarney light has been nominated for heritage status.
Click here to sign the petition and help save Canada's lighthouses.
For well over a hundred years the lights of Georgian Bay have guided us safely home. Help spread the word, and maybe we can save some of these guardians of the night.
Additional Resources:
- List of heritage-nominated lights
- List of active lights declared surplus
- Coast Guard list of lights, buoys, and fog signals in Georigan Bay
- Heritage Lighthouse Protection Act (WikiPedia)
Additional Media:

subset: commoncrawl


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Just How It Seams LLC was founded by Matt Gentry in 2003 he built the small business cause he love working with home owner and save them money and doing what he love to do is construction work. Matt inquiry his first gutter machine in 2003 he started seamless gutters and gutter cleaning. In 2005 he added fascia/soffit and siding to his company. His love and passion for customer service and the bond with customers for life
As a Just How It Seams LLC customer , you will benefit by having a small local business owner doing the work I have the best warranty on the market even with the biggest company's. Cause I'm doing the work and I stand behind my work. My company will always be 100% drug free (not something lots company can say) Our warranty is the best lifetime materials warranty and 10 years installed warranty (most company's are only two years. I take pride and passion on every job I do I treat your home like it my own home no cutting corners and I also work with customers even with payments and discounts. I will go above and beyond for my customers that why I stand out in this industry.
Just How
It Seams LLC
Professional Gutter Company


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Did you know elevated cholesterol contributes to nearly half a million heart attacks annually? That is a staggering number. For most of us, heart attacks and stroke can be prevented and our overall quality of life improved and lengthened with a balance of diet, exercise and treatments. Prevention starts with knowing your number and your risk.
For the most accurate results, work with your primary care provider to get a cholesterol, or lipid panel, test done in a lab. This will allow for you to know the total cholesterol and break down of good and bad cholesterol, as well as triglycerides (fats). After getting your cholesterol/lipids lab, your doctor should discuss your results with you.
When getting ready for lipid testing, avoid all food and drink (except water) for 10-12 hours prior to the testing. You'll also want to avoid overly strenuous exercise prior to testing since this can cause a falsely elevated HDL (good cholesterol).
Based on your numbers, your doctor also will want to discuss your heart disease and stroke risk factors. Your risk can be low, moderate or high depending on several factors. Some of the common risks are smoking, lack of exercise and poor diet. Another risk factor could be your family history. For example, if your father, mother, brother or sister had a heart attack or stroke, your risk can be high. Additional risks include your age and gender.
The good news is you can change a few of your risks by adopting healthier behaviors:
- Exercise
- Eat right
- Maintain a healthy weight
- Quit smoking
- Reduce stress
- Take medication as prescribed
In the past, some of my patients were curious about home cholesterol testing kits. My recommendation is to not bother with home testing for cholesterol because you really need to know the overall cardiovascular risk. Cholesterol is not like blood sugar; it does not fluctuate that much and does not need monitored like blood sugar in people with diabetes. The home cholesterol tests don't provide enough detail to glean health risks.
Cholesterol has been linked to heart attack and stroke risk for many years. We used to talk more about raising HDL as a way to improve your risk. While this is still important, more recent evidence shows it is just as important to lower LDL (bad cholesterol), and to do this aggressively in higher risk patients. Patients with diabetes, hypertension, family history and/or prior known heart attacks or strokes will be higher risk and likely need more aggressive treatment.
Remember: Know your number. Know your risk. Knowledge is power!
- Total cholesterol: Less than 200 is desirable
- Triglycerides: Aim for less than 150
- LDL: Less than 100 is optimal
- HDL: Men should aim for above 40 mg/dl, Females should aim for above 50 mg/dl
Reliable resources to obtain additional information about this and similar topics can be found at Consumer Reports, the American Heart Association, and the National Heart, Lung and Blood Institute.
Daryl Callahan, D.O., joined BCBSKS in 2017 with 28 years of experience in the medical profession. He is board certified in family practice, and served as a family physician at the Phillips County Hospital and physician partner of HealthCare Associates Medical Center in Phillipsburg. Dr. Callahan served 30 years in the National Guard. He retired as a colonel and was the state surgeon for the Kansas Army National Guard.


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Once upon a time, in a land not so far away, two dynamic entrepreneurs – Bakra and Bakri got together and started up an amazing e-commerce business to sell sheep wool online!
Within a few months their business was rocking; orders were pouring in from all over the world, page views & comScore numbers were soaring and the servers and the site were happily crashing. This was indeed a great start up.
One day, on a midsummer night, they heard a knock on their cottage door, and when they opened it, a dark skinned man in a black suit, black shoes and black umbrella, with gelled black hair, holding a black satchel greeted them.
'Hi' he said, 'My name is VC, and I am here to fund you'.
Over the next few days, VC patiently explained how he would invest his humongous dollars into Bakra and Bakri's start up, so as to scale it and make it profitable and 'Nasdaq'able'.
On the final day, VC didn't meet them, but sent them a terse mail that read 'Term Sheet attached. Sign and Return'.
Bakra and Bakri were innocent entrepreneurs and decided to forward the same mail to Rodinhood – the Prince of Entrepreneurs who lived in the Forest of Enterprise.
When Rodinhood read the term sheet, he found the same 3 deadly weapons he had suspected – well concealed and embedded inside the document. These, if not disengaged, could kill or at least severely damage Bakra and Bakri's economic progress.
This is what he identified:
1. The Shot Gun: The ESOP carve out Clause
In the clause of 'ESOP' or employee stock option plan, the term sheet stated that the entrepreneurs (B&B) would carve out 10% of the share of the Company PRIOR to the funding. The weapon was the word PRIOR. It meant that B&B would have to further dilute 10% of their OWN stocks to make way for future employees, (who would work for the Company and actually benefit all the owners).
In his explanation Rodinhood wrote to B&B that the carve out of ESOP's PRIOR to the funding was unfair on two counts:
a) It should come from the share of every owner of the company's share and hence POST not PRIOR to the funding since the benefit accrues to all owners as the company grows
b) In case of non-allotment of the complete 10%, the Investors would share the residual shares as well! Hence this was an indirect ploy to get more shares of the promoters under the guise of an ESOP plan.
Rodinhood's final advise was – Try and negotiate esop dilution after funding and limit the commitment to 5% to begin with, since no one knows at the start of a business what really the esop pool requirement will be.
2. The Samurai Sword – The Liquidation Preference Multiple Clause
The term sheet stated that on liquidation of the Company, the VC would receive 2x of the money invested.
This meant that upon Liquidation (and this interpretation could include an exit), the VC would first take home not just the amount invested in the Business but DOUBLE of the same – so 2x of the investment!
Hence, no matter what the outcome, the VC would enjoy a 100% return on his investment; Bakra and Bakri would be left with what remained if anything at all.
Rodinhood's comment was that if VC means Venture Capital, it should remain Venture Capital and not Vampire Capital. Hence, the fair multiple was 1x of the principal back and NOT 2x or 3x etc, etc, in favor of the VCs. 1x ensured return of Capital and nothing more if the Company was sold in extraneous circumstances.
3. The Nuclear Bomb – the Preferred and Participating Clause
In this Term Sheet, the clause 'Preferred and Participating' made Rodinhood's Marwari blood boil. This was the classic nuclear bomb aimed at the entrepreneurs.
It meant that in case of a sale, FIRST the VC would take home 2x of his investment. Then, on the remainder, the VC would take his legitimate %.
So, assume that Bakra and Bakri's Company raised Rs 100 from VC at a 30% dilution.
Also let's assume that after 4 years, the business would sell at Rs 800.
Logically, VC would take home 30% of Rs 800 or Rs 240? Correct?
Under the preferred and participating this is what would happen:As per the 'Preferred' clause, VC would first take home 2*100 (2x liquidation preference) = Rs 200.
As per the 'Participating' clause, OF THE MONEY THAT REMAINED – Rs 600, VC would take home 30% or Rs 180.
Hence the total money that the VC would take home would be 200+180 = 380 instead of 240!
In other words, the Equity of VC just became 47.5% rather than the original 30% only because of this Draconian Clause.
Rodinhood sent his comments back to Bakra and Bakri with the above explanations and the final advise – 'no matter what anyone tells you, including myself – do what's right for yourself and your business. Just try and remove or disengage these weapons as best as you can. Always remember –when you have a good thing going, capital chases entrepreneurs and you must negotiate justly and hard'.
[Guest article by Alok Kejriwa, Founder of Games2Win. Article reproduced from his blog


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After the success of Sam & Max Season 1, Telltale Games announced they received $6,000,000 from a group of venture capital firms in series B funding. What is this money going to do?
Telltale will use the financing to drive growth in existing and new episodic series, allowing the company to continue defining and refining new models for interactive entertainment and digital distribution. Multi-platform development and new staff additions are key elements in these strategic plans.
If Telltale is going to bring anything multi-platform it is going to be Sam & Max. Perhaps Season 1 will be an Xbox Live Arcade downloadable title or find a home on the Wii.


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#Ouroboros The Ouroboros is a Greek word meaning 'tail devourer,' and is one of the oldest mystical symbols in the world. It can be perceived as enveloping itself, where the past (the tail) appears to disappear but really moves into an inner domain or reality, vanishing from view but still existing. The ouroboros has several meanings interwoven into it. Foremost is the symbolism of the serpent biting, devouring, or eating its own tail. This symbolizes the cyclic Nature of the Universe: creation out of destruction, Life out of Death. The ouroboros eats its own tail to sustain its life, in an eternal cycle of renewal. It is sometimes depicted in a #lemniscate shape (figure eight) as well.
&neo 2013-08-25 00:25:01


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There's plenty of excitement surrounding the 2017 New Orleans Saints backfield. Adding a player such as Adrian Peterson and a prospect such as Alvin Kamara is very exciting. The guy who has been in the Big Easy his entire career isn't exactly chopped liver.
Mark Ingram is coming off of his first ever 1,000-yard season. He averaged over five yards a carry and almost seven yards a reception while scoring 10 touchdowns. Yet still, he's seen as an afterthough. Well, not to those players who attempt to tackle him. Ingram is actually one of the league's best when it comes to gaining yards after being hit, per Pro Football Focus.Buy Saints Tickets
On almost 88% of his carries, Ingram is able to gain positive yardage after contact. That's basically on 9 out of every 10 carries where he's able to gain at least an extra yard or two.
It wasn't just on the big gains, either. On short-yardage plays, Ingram proved his worth more, ranking fifth in avoiding being knocked backwards on initial contact.
For the last few years, Ingram has been one of the most elusive running backs in the league, forcing missed and broken tackles.
While the focus is always on the passing game, Ingram and his new friends are well prepared to compliment it with the best running game the Saints have had in years.


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In the late sixties, Martha Rosler became known for a so-so series of collages titled "Bringing the War Home: House Beautiful." She juxtaposed images of models, home décor, and the Vietnam War: A Vietnamese woman carried a bleeding baby in an unsullied American home, housewives dutifully cleaned battlefields, and so on. Although on a formal level Rosler simply mixed the harshness of John Heartfield's thirties photomontages of the Third Reich with the pop-surreal sensibility of Richard Hamilton's famous 1956 collage of a muscleman and a pinup girl in a contemporary living room, she did spice it with something new—an ironic, media-savvy attitude that changed the look of much art.
Four decades later, Rosler turns out not to have changed the look of her own work at all. In "Great Power," her current skin-deep effort at Mitchell-Innes & Nash, Rosler tries to turn back the clock to her glory days, essentially remaking the Vietnam series. Only now she's inserting images of models into pictures of the Iraq War. Clearly, there are parallels between the two wars, and activist art is valid. But Rosler lapses into simplistic nostalgia and undermines her older work while basically making pretty war porn. The only thing her work says is that fashion designers and women who like to shop caused two wars.
Rosler also includes news clippings about Iraq. Most of the articles are from reliably liberal sources (The Village Voice, The Nation, The New Yorker, etc.), so Rosler is merely filtering the already filtered. Worse, there's an air of self-serving, pedantic preaching. She basically asserts that, while you may be concerned with current events, she's so concerned she clipped these items and put them in binders. She turns President Bush's "Go shopping" into "Start clipping." To gain entry to "Great Power," visitors must drop a quarter into a turnstile. The show's press release states that this forces us to make "conscious decisions about how to engage with the work." This is critique art putting a gun to its own temple. A sign at the door assures us that Rosler will donate all the quarters to antiwar groups. Anyone who thinks any of this is good art, effective activism, or even slightly radical needs to get a grip.
Rosler's show is simply mediocre. What it points to, however, is far worse and more widespread. Too many younger artists, critics, and curators are fetishizing the sixties, transforming the period into a deformed cult, a fantasy religion, a hip brand, and a crippling disease. A generation is caught in a Freudian death spiral and seems unable to escape the ridiculous idea that in order for art to be political it has to hark back to the talismanic hippie era—that it must create a revolution. It is sophistry to think that everything relates to Europe and America in 1968. The very paradigm of revolution, of right versus wrong, good versus bad, is a relic with no bearing on the present. Yet artists, exhibitions, and curators valorize the sixties. People who wrote about these artists 30 years ago still write about them in the same ways, often for the same magazines. Their students and imitators are doing the same—writing about artists, sometimes the same ones, in the same ways their teachers did. Often for the same magazines.
It's a trap set by a previous generation in order to preserve its legacy a little longer, or at least until its members relinquish their positions in academe, museums, and media. Many things happened in the sixties, but the period is no more significant, better, or more "political" than today. It's time to turn the page.
Great Power
Martha Rosler
Mitchell-Innes & Nash. Through October 11.
E-mail: email@example.com.


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Buy & Sell
Extra Services
Last Update: September 7, 2012
Chubby's BBQ debuts Friday in new locationChubbys BBQ, a mainstay for barbeque aficionados who love their chicken and ribs dipped in homemade sauce and grilled only over a charcoal fire, is staging a Grand Re-opening tomorrow at its new Chatan location close to Camp Foster. Owners Reed Leinster and his wife, Chizuru Leinster, have relocated the barbeque restaurant to a more central location close to Camp Foster and Kadena Air Base on Highway 58. Read More!
Spices and fresh ingredients perfect at Jai ThaiThai ingredients and spices, to include lemon grass, coriander and baimakuru transform simple dishes into award-winning cuisine at Mihamas Jai Thai restaurant. Jai Thai, the first restaurant in Japan to win the Thai Prime Ministers Award, works its culinary magic under the guiding hand of a leading Thai chef, preparing authentic Thai dishes that capture the essence of the southeast Asian flavors. Read More!
Blossoms in full bloom in Okinawa northThe cherry blossoms are in full bloom in the Nago area, and the weatherman is promising to cooperate with this weekends opening of the 47th Nago Cherry Blossom Festival. Good timing, too, as the Nago Cherry Blossom Festival, and a second at nearby Nakijin Castle are not-to-be-missed events. Read More!
Itoman rings in Year of the OxBells rang, incense and prayers offered at altars, and fireworks lighted up the night sky as Lunar New Year was celebrated Monday by thousands across Okinawa, including at Itoman City, where fishermen are particularly close to the ancient holiday. While Okinawan customs and life styles have descended from China, much of the island has adopted the Gregorian system of New Years celebrations January 1st, but Itoman City has stayed faithful to ancient traditions. Read More!


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Magnetizing Abundance
I Hope You Enjoy My Free Audio Download
This special, 17-minute intro audio is a lesson on one of the most requested subjects I receive: ABUNDANCE.
Just by taking the time to listen, you can learn how to calm down, and focus on what it is you truly want to attract, magnetize, and then materialize into your life! Like anything else worth doing, it takes time, but if you commit, you will reap the rewards!
You can either download or listen to your free "Magnetizing Abundance" audio, by clicking on the Button below. If you want you can "Save File As" (or "Download Linked File" on a Mac) to a convenient location on your computer:


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Tina graduated from St. Clare's Mercy
Hospital School of Nursing in 1993. She was a General Surgery staff nurse until 2000.
She has been a research nurse since 2001 in the areas of dermatology, general practice and rheumatology.
In 2005 she became Manager of Clinical Research, Dermatology for Nexus Clinical Research.
Completed training sessions for acne assessment, psoriasis assessment, standardized joint assessment
and dangerous goods training. She has been a member of the Dermatology Nurses Association since 2004.
Tina brings with her vast experience in clinical trials in the areas of psoriasis, atopic dermatitis,
acne, molluscum contagiosum, hyperhidrosis, osteoarthritis, diabetes, chronic bronchitis, hypertension,
rheumatoid arthritis and psoriatic arthritis.


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Functional wheat starches are offered by Manildra Group USA to improve the stability of baked foods, dry mixes, batters and breadings, fruit fillings, confectionery products and puddings and fillings. The GemStar line includes unmodified, specially designed (modified) and pregelatinized forms. Viscosities range from low to high, depending on the gelling, emulsification and binding properties needed. Some are also available as certified organic.
Phone (800) 323-8435; Web www.manildrausa.com


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The Speculative Fiction Cantina: your weekly hypodermic injection of science fiction, fantasy, horror, alternate history, steampunk, cyberpunk, and things weird and wonderful in the world of books and writers. We ask authors the hard questions. You'll hear from writers who bend the rules and drive the narrative. Join S. Evan Townsend on this journey over the rainbow and through the looking glass. And remember to take the red pill.
Today's guests are Rebecca Besser and S.F. Edwards.
Rebecca Besser
Zombies Inside
Nurse Blood
S.F. Edwards
Spiral War: On The Cusp
Spiral War: On Dagger's Wings
Spiral War: In Death's Shadow
More information on these authors and links to their novels is at blog.sevantownsend.com.


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Limerence: A Twisted Adult Fairytale About Obsessive Love!
Filmmakers Ilze Millere and Carl Bradshaw of Elementi Media are producing their first feature film Limerence; a twisted adult fairytale about obsessive love starring Roe Haven, Emilie Sofie Johannesen and Madeleine Lloyd-Jones – and they would love to have your support!
Limerence represents many issues around mental state, including anxiety, obsessiveness, and post-traumatic stress. The film's story is centered around fear of abandonment and how the characters use their imagination and creativity to fight this insidious fear. The main character, Gilda, battles anxiety, loneliness, panic attacks and her own overactive mind.
As well as transmitting a bold mental health message, the film's director, Ilze Millere, is passionate about the importance of a zero-waste lifestyle. This includes ensuring the film's set is as sustainable as possible (ZeroSet).
Led by a female director and 1st AD, with women leading all the artistic departments and strong female characters at the core of the story, Limerence supports female empowerment in the film industry. Of the top-grossing 100 films in 2018, only 4% of directors were women and only 31% of protagonists were female characters.
6 Short Love Stories, ExperiMENTAL Films, Featured Filmmaker, Film Festival, Films, Media, RTHK


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The detailed specifications, photos and introductory video of the Starmobile Play Dash (PLDA). The list of the competitors most often compared to the Starmobile Play Dash smartphone.
The Starmobile Play Dash runs on Android OS v6.0 (Marshmallow) out of the box, but the Play Dashs firmware can be upgraded to a newer version of OS.
Screen size is measured in inches, diagonally from corner to corner. The 4.5 inches IPS capacitive touch screen with 480 x 854 px resolution is multitouch capable.
The Li-Ion 1700 mAh battery gives the smartphone a good battery backup. This is a low maintenance battery. No periodic discharge is needed and charging can be done at random.
The smartphone sensors measure physical quantities and transmit them to the application processor. The phoness accelerometer is a built-in electronic component that measures tilt and motion. The Play Dash has Dual SIM capability, which means that you can insert two different SIM cards and use them both from one phone.
The specifications above are based on the official data published by the manufacturer, but we also take user reviews into consideration. If you found an error or something lacking in the specifications above for the Starmobile Play Dash, then dont hesitate and signal the problem to us.
If theres information about the Starmobile Play Dash that you would like to see on this site, then write to our address.
The Starmobile Play Dash runs on Android OS v6.0 (Marshmallow) out of the box. It comes with a Li-Ion 1700 mAh battery. It features a 4.5 inches IPS display with 480 x 854 px resolution. The IPS technology is one of the most leading LCD technologies in the world.
The smartphones memory (1 GB) cannot be expanded, but the storage (8 GB) can be expanded with a microSD card.
The camera of the Starmobile Play Dash is equipped with autofocus. Autofocus is a camera feature that fine-tunes the focus of the camera, it is a nice feature of this smartphone.
The Starmobile Play Dash (PLDA) smartphone released in 2017. It is powered by Spreadtrum SC7731C chipset, 1 GB of RAM and 8 GB of internal storage.
This smartphone has a built-in GPS receiver. GPS is a satellite based navigation system that allows the determination of the exact geographical location on Earth. This Starmobile smartphone has FM radio receiver.
According to our statistics, the Starmobile Play Dash smartphone was most often compared on our site with the following smartphones.


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Saturday, February 21, 2015
Rules are made to be broken, and noone knows that better than our state legislators.
February 19 was the deadline for introducing new legislation this session. So what did 30 of our esteemed senators and representatives do? They introduced fake bills, of course.
Titled "Public Peace, Health, Safety, and Welfare", these bills have no content. That is right, these are blank bills. There's no there there, as the saying goes.
I suppose these legislators are waiting for something really important to come up, so they can 'amend' the blank bills, creating something from nothing- something they forgot to address during the December 15- February 19 period when they are legally allowed to introduce bills.
It is not as though they might get bored in the next four weeks- there are already over 1300 real bills for them to consider, not to mention nearly 300 memorials and resolutions.
Nevertheless, one would not want to be caught unawares, and it can never hurt to keep an ace up one's sleeve.
Posted by Rick Lass at 3:17 PM
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Who says wagons are just grocery getters? Whoever says that has never driven a vehicle like this. We took this Audi Allroad on 20″ Vossen CVT wheels down by the bay for a little photoshoot and to better show what this vehicle can do. The Vossen wheels on this Allroad make a statement that this vehicle can ride well, look great and command the roads like a champ. This is a vehicle with more space, convenience and versatility than the average sedan. You could be sitting in traffic next to one and be blown away by the performance it gives after take off. Unsuspecting given it's looks…but you should never judge a book by it's cover. This is more than a wagon; it's a king of the road, slick, low riding ninja.
If you are interested in what you see, please contact us at (866) 271 – 5903 for any questions you may have! Feel free to leave any comments down below.


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It's been about a year now since I went to see my GP about fears about some varicose veins and she noticed that I seemed unusually fraught about something so harmless. She asked me how things were going generally and we had a long chat about health anxiety, and all things anxiety related in general. She prescribed me some anti depressants to help with my heart palpitations and to help me sleep (which I didn't take – too worried about their side effects – go figure!) and I was sent for a course of CBT (Cognitive Behavioural Therapy). While I didn't do this myself, I know many people also use CBD products to help them manage their mental health – if you want to learn more about this, CFAH has some good resources online that you could check out.
Without sounding all X-Factor, it does feel like I've been on a bit of a journey. I've always been one of life's worriers, but slowly overtime those little frets and worries became full blown anxiety attacks. Thankfully nowadays there are lots more products to help control your anxiety, like Calms or CDB related products. If this is something you're interested in the you can find the Best CBD gummies UK here.
Back then though it was concerning how quickly changes were happening to me, or perhaps it wasn't quick at all, perhaps it happened so slowly that I didn't notice what was happening. Either way, over the past year I've learnt a lot about the condition, how it affects me, how it affects other and how best to cope.
Here's somethings I've learnt so far:
You're not alone
It sounds so super cheesy but it is really reassuring to see how many people are affected by anxiety. My GP actually told me on that first appointment that she probably speaks to patients about depression and anxiety at least once a day and that I was the second person that day she'd referred to CBT. It's amazing how just knowing other people get down he same way you do makes you feel like less of a weirdo.
Booze can be your best friend and your worse enemy all at the same time. It can work as a great relaxation tool, help you get out of your own head for a bit and give you a bit of respite from what it is that's worrying you that day, problem is it's so fleeting. Whereas alcohol may be your friend, hangovers certainly are not and paranoia goes through the roof. Imagine that drunken regret feeling after a big night out where you wake up worried about what you may have done or said multiplied by a billion. There's many a Saturday or Sunday morning I've had to haul my hungover butt to the gym just to try and run off the paranoia.
Key Phrases
Now this really is going to make me sound like a fruit loop but I've found developing little phrases to say to myself really help when I'm feeling anxious. Different people will have different things that work for them but I find things like 'In the grand scheme of things, does it really matter?' or 'Is there anything you can do about it right now?' I find asking myself questions easier than sweeping statements, so I can get a dialogue going in my head and try and converse myself into thinking about something else.
Someone at work told me about all the mindfulness meditation apps you can get on your phone and they've really helped me distract./ my thoughts onto more positive things. Meditation can be a dirty word sometimes as people think it's sitting cross legged on the floor chanting. However I've found some great apps I've downloaded to listen to at different times. For example there's one you listen to just before you go to sleep which clears your mind of the inevitable worries that always tend to creep in the second you close your eyes, one that you listen to at lunchtime whilst going for a work which helps you refocus and ready to get back to work avoiding that post lunch slump and one I listened to a lot on holiday which teaches you to concentrate on what's going on in the here and now – great to learning how to live in the moment more.
Talking, like alcohol have be a double edged sword. Whilst it's nice to have someone to bounce your anxious thoughts and feelings off, to get that reassurance that it's just your anxiety talking and you've nothing substantial to worry about, it can also mean you're keeping the worry alive and fresh in your mind rather than handling it and moving on. I can be such an honest and open person sometimes Its like I have this need to tell everyone how i'm feeling every second of the day. Thing is, people have their own problems and things weighing on their mind, they don't necessarily want to hear all your micro worries all the time either. So I pick and choose what I say to people now, if it's something I think is a genuine concern that someone might be able to help with I'll mention it. If not i keep it to myself and try and think of something else. It's amazing how soon you forget about it if you're not constantly talking about it all the time!
So that's why this is going to be the last anxiety post I do for a while. It's something I've dwelled on and researched for a year now and I feel I've given it all the time and attention it deserves. It's time to move on from it and concentrate on all the fun things going on – the things really worth writing about.


text: Rudolph enjoys photography in his leisure time. He holds a licentiate (LPSSA) as a member of the Photographic Society of South Africa. He has an exceptional gift for looking at reality from a different angle; of seeing creatively. This imbues his work with a unique artistic simplicity. He is inspired by nature, creating images of its inherent beauty, which he enjoys sharing with others.


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A Phase III Study to Test the Benefit of a New Kind of Anti-cancer Treatment in Patients With Melanoma, After Surgical Removal of Their Tumor
Tracking Information
|Start Date ICMJE
|December 2008
|Estimated Primary Completion Date
|January 2014 (final data collection date for primary outcome measure)
|Current Primary Outcome Measures ICMJE
(submitted: November 21, 2008)
|Disease Free Survival [ Time Frame: Once the pre-defined number of events is reached ] [ Designated as safety issue: No ]
|Original Primary Outcome Measures ICMJE
|Same as current
|Change History
|Complete list of historical versions of study NCT00796445 on ClinicalTrials.gov Archive Site
|Current Secondary Outcome Measures ICMJE
(submitted: November 21, 2008)
|Original Secondary Outcome Measures ICMJE
|Same as current
Descriptive Information
|Brief Title ICMJE
|A Phase III Study to Test the Benefit of a New Kind of Anti-cancer Treatment in Patients With Melanoma, After Surgical Removal of Their Tumor.
|Official Title ICMJE
|GSK 2132231A Antigen-Specific Cancer Immunotherapeutic as Adjuvant Therapy in Patients With Resected Melanoma.
|Brief Summary
The purpose of this clinical trial is to evaluate the benefit of the immunotherapeutic product GSK 2132231A in preventing disease relapse when given to melanoma patients, after surgical removal of their tumor.
|Detailed Description
"http://www.immunotherapyforcancer.info provides information on the cancer immunotherapeutic approach in an easy-to-understand format" "http://www.ascitrials.com gives practical information on the MAGRIT clinical study"
|Study Phase
|Phase III
|Study Type ICMJE
|Study Design ICMJE
|Treatment, Randomized, Double Blind (Subject, Investigator, Outcomes Assessor), Parallel Assignment, Efficacy Study
|Condition ICMJE
|Resected Stage III Melanoma With Macroscopic Involvement
|Intervention ICMJE
|Study Arms / Comparison Groups
Recruitment Information
|Estimated Enrollment ICMJE
|Estimated Completion Date
|January 2014
|Estimated Primary Completion Date
|January 2014 (final data collection date for primary outcome measure)
|Eligibility Criteria ICMJE
Inclusion Criteria:
Exclusion Criteria:
|18 Years and older
|Accepts Healthy Volunteers
|Contacts ICMJE
|Location Countries ICMJE
|United States, Argentina, Australia, Austria, Belgium, Brazil, Czech Republic, Estonia, France, Germany, Greece, Ireland, Italy, Mexico, Netherlands, New Zealand, Norway, Poland, Russian Federation, Spain, Sweden
Administrative Information
|Responsible Party
|Study Director, GSK
|Study ID Numbers ICMJE
|Study Sponsor ICMJE
|Collaborators ICMJE
|Investigators ICMJE
|Information Provided By
Source: http://clinicaltrials.gov/


text:
Paul Sperry dropped a bomb on the Mainstream Media hinting at exposing the Mainstream Media's coordination with the Democrats to smear Kavanaugh.
It's coming into focus that the MSM (WaPo, NYT, CNN, New Yorker) have been coordinating anti-Kavanaugh smear strategy with Feinstein & the Democrat Minority Staff and the Accusers & their Democrat Activist-Lawyers
— Paul Sperry (@paulsperry_) September 25, 2018
New Yorker calls for GOP to dump Kavanaugh after Fake News Report https://t.co/H6K3NSECq5
— Jacob Palmieri (@jakepalmieri) September 26, 2018
This story is developing….
Embed from Getty Images


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The KRACK Wi-Fi Hack: Protect Yourself and Your Business
Over the past few weeks, Microsoft, Apple, Google and other technology companies have been rushing to address issues related to the KRACK Wi-Fi security vulnerability, which puts any person using wireless internet at risk of being hacked. Are you protected?
KRACK—which stands for Key Reinstallation Attack discovered by security researcher Mathy Vanhoef, could give attackers access to a user's credit card details, passwords, emails, messages, photos and other personal data. The security threat affects WPA2 Wi-Fi by getting users to reinstall a key already in use, allowing hackers to exploit the network, if they are within range.
October 31, Apple released iOS 11.1, the first major update to iOS 11 since its release in September, which along with updates and fixes, included a patch for the KRACK Wi-Fi hack vulnerability. As of November 6, all Google Nexus and Pixel devices now have patches for the WPA2 KRACK vulnerability. Google also announced it has fixed a "critical security vulnerability" that was found within the Media framework for Android.
This follows security updates released on October 19 by Microsoft. Customers who have their updates automatically enabled are already protected. If you haven't already updated your devices, now is a good time to do so.
Technology companies acknowledged problems with the WPA2 encryption used on all modern Wi-Fi routers. "This is not a new hack, it's always been a flaw that's been there, but people didn't know about it," says Joshua Alexander, Sprout's technical director. "Small businesses in particular are usually under-protected and look at security as a reactive rather than a proactive step."
Alexander explains that anytime there is an unprotected Wi-Fi network, which lacks strong passwords, opportunities for hacks are created. This includes hackers running up charges on your network and illegal activities, which will come back to your firm's IP address. "This particular security bug was a much more open vulnerability than what has existed in the past in regards to Wi-Fi security," says Alexander. "This one required very little skill by a hacker."
Security: Protect Your Business
Anyone who has installed updates for new patches, new releases and has increased their security and replaced access with strong passwords is better protected. Avoiding public Wi-Fi networks and websites that don't use the secure HTTPS protocol is also good start. Small businesses also need to manage their security with diligence including router patches and settings. Any available security updates should also be installed to devices and routers to best protect users from the KRACK security bug.
"Make sure your customers use a separate network from your business network which should be private, including your extranet," says Alexander. "Use strong passwords not your favourite sports teams or the word admin or password, which surprisingly is often used."
Alexander also cautions that all software and equipment should be up to date. "There's a lot of older equipment out there like outdated routers that don't have the same level of security of newer models and other related equipment. The same applies to mobile devices with outdated software."
The Threat of The Internet of Things – Security is An Issue
Any device connected to the Internet is also putting your network at risk. For example if your break room has a coffeemaker or a fridge that is connected to the Wi-Fi these are vulnerabilities that also have to be taken into consideration.
There is a website that is an Internet of Things search engine. Anyone can search anything that is connected to the Internet – ATMs, video games, coffee makers, fridges. "If it's connected to the Internet it has to have security. If you are connecting your office lights or coffee machine to the Internet then that can affect the web security in your office. Once on the Wi-Fi network anything can be tapped," warns Alexander.
For more information about protecting your devices, website and your business, please contact email@example.com


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As kids go back to school and summer starts to come to an end, there are still some meals we as dads just aren't willing to give up quite yet. Not until it starts snowing (and even then I'm sure some of you are out with your jacket standing over a hot charcoal grill!). Feast your eyes on the End of Summer BBQ Burger, surely to make a hit with your kids or family at a September BBQ.
This burger looks like one you've had before, but there are some secret ingredients packed in such as bacon drippings and red pepper flakes that makes this one killer burger any time of the year! Learn how to make this awesome burger from Dad Cooking Blogger, CookLikeADad.
Prep Time: 15 min. / Cook Time: 30 min.
Ingredients (for 2 Burgers):
- 6 Slices of Bacon
- 1 Tbsp. Bacon Drippings
- 1 lb. Ground Beef
- 1 Cup Dry Bread Crumbs
- 1 Tbsp. Red Pepper Flakes
- Pinch Ground Black Pepper
- 1/2 Cup Shredded Colby Jack Cheese
- 2 Slices Colby Jack Cheese
- 4 Thin Tomato Slices
- 4 Slices Avocado
- 2 Hamburger Buns
- Place bacon in a large skillet and cook over medium-high heat, turning until evenly browned but not totally crisp, about 8 minutes. Drain on paper towels. Retain 1 tablespoon bacon drippings.
- Mix ground beef, bread crumbs, red pepper flakes, black pepper, and retained bacon drippings in a bowl until thoroughly combined; divide meat mixture into 4 equal portions. Form each portion into a large patty, making them as thin as possible. Sprinkle shredded Colby-Jack cheese onto 2 of the patties, leaving an edge about 3/4 inch wide uncovered. Place second patty onto the cheese and press the edges of the patties together to create 2 cheese-stuffed burgers. Place stuffed patties into freezer to chill slightly, about 10 minutes.
- Preheat an outdoor grill for high heat.
- Spray the grill grate with cooking spray and place burgers onto grill; turn heat to low, place lid over grill, and cook until outsides of burgers are lightly charred and cheese has melted, about 10 minutes per side. Maintain grill temperature at about 300 degrees F (150 degrees C). Use a spray bottle of water to control flames; flames should just lightly contact the bottoms of the burgers to create a slight char. After the first flip, place 3 partially-cooked bacon slices onto each burger.
- About 2 minutes before burgers are done, place a Colby-Jack cheese slice onto each burger; top with tomato and avocado slices and transfer burgers to plate to rest for 1 or 2 minutes. Serve burgers on hamburger buns.
Watch your kids eyes widen as you serve them this killer burger with all the fixin's. Nothing seems to bring family together like BBQ and the all-American tradition of hamburgers. Serve with oven-baked French fries or potato salad. Enjoy those final warm nights eating outside with your kids! Winter's coming!
***Credit: www.allrecipes.com


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Think twice before you pour something down the drain. Just like fatty foods clog human arteries, fats, oils and grease build up inside our sewer lines. Warm fats, oils and grease washed down the drain will cool, harden and stick to the inside of sewer pipes. Over time, this can cause blockages and even sewer backups - which are unpleasant, messy and costly for property owners.
Some of the biggest contributors to sanitary sewer backups are things poured down your kitchen drain or garbage disposal.
Things you shouldn't pour down the drain or garbage disposal include:
Instead, here are some options for disposing of these items:


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Hey everybody, obviously by the title you can tell my name is Nick. When I was born I also had two club feet. My feet when I were born were completely turned and it was a shocker that I am actually able to walk today. They did the whole casting and breaking the bone thing when I was a baby in order to make my feet look at least a little normal.
Through my 20 years of living I have had probably at least 8 surgeries(some in which I don't remember). The ones I remember clearly are third grade. In third grade i got casts past my thighs. I think they gave me surgery again because my feet were starting to turn In when I ran. However in school I've never been bullied for my feet which is amazing. I remember I was friends with the most popular kids because everyone thought it was cool to be in a wheel chair for third grade. What they didn't know was that it was honestly the most painful thing. I still talk to my third grade helper who pushed me around all day. I want to thank her for being such a huge part of my growing as a child.
In high school I ended up getting surgery again for the who knows what time. This surgery, I had no clue what it was for but I did it. My parents said it would be beneficial so I did it. I think it was my sophomore or freshman year of high school. I was just on crutches which wasn't so bad and I actually got really good at using them. I could go faster than anyone with crutches lol. Anyway, after I recovered from that surgery, in my junior year I ended up fracturing my foot in gym class. I knew I didn't fully recover from my last surgery but no one listened. Only people with club feet would understand. Just like when I swim, I'm not the best swimmer because I can barely move my feet the way I should to swim. Does anyone else have issues swimming? So anyway after I fractured my foot they realized I needed another surgery, but at least it was junior year and not senior. So at least I could walk down to get my diploma and not crutch down. I have now graduated high school and I'm now in college and love every minute of it. People no longer say how small my feet are because they don't care which is awesome. That was the closest I was to bullying, people commenting on how small my feet are.
My feet hurt days when it rains, which sucks but nothing ibuprofen won't six. So far so good, I'm just scared for my future because I don't know if I'll need another surgery or not. Any feedback?? Older people please tell me how your feet are doing after several years of surgery and pain.
I have trouble doing the following things:
- Walking up hills
- Running
- Swimming
- Walking on slanted paths.
I look forward to responses. If you have any questions just ask.


text:
XP users feel no great rush to upgrade
If Microsoft expected XP users to desert the aging OS once support officially came to an end, the tech giant will no doubt have been sorely disappointed. Although XP's market share has fallen in the two months since it reached end of life, the 13 year old operating system remains hugely popular.
According to Net Applications, from March to May, XP lost just 2.42 percent market share, and is still to be found on over a quarter of all Windows systems. Windows 7 gained 1.29 percent in the same time period, to break the 50 percent barrier, and Windows 8.x increased its share by 1.34 percent for a not so grand total of 12.64 percent. Statista has put together a little graph showing how little end of support has changed XP's popularity.
You could look at the numbers and say if XP continues to fall at the rate it currently is, and Windows 8.x continues to gain market share at the same rate it has over the past two months, that by the end of the year new Windows could have overtaken old Windows, but in reality I think what will happen is XP will stabilize and migrations will slow once users stop worrying about the risks of running an OS without security support.
Last month's Internet Explorer vulnerability might have forced more users to move on from XP, had Microsoft not opted to issue an out-of-band security update covering the older OS (which was the right thing to do in my opinion). That action may be a one off, it may not -- it will depend on the seriousness of future flaws -- but it will certainly have comforted some XP users and maybe convinced them to hold off upgrading for just a while longer.
The truth is, if you're still using XP after all this time and haven't been tempted by Vista, Windows 7 or 8.x, you're probably not going to be rushed into upgrading by something like a lack of security updates. In fact, the two XP users I personally know don't usually bother to install any updates. One told me, "I think after thirteen years they've probably found all the really bad bugs by now anyway".
If you are still using XP, there's always this way of getting free security updates, although Microsoft would rather you didn't.


text:
Frequently Asked Questions about Postmodernism
This FAQ about Postmodern was compiled and written by Van Piercy firstname.lastname@example.com with numerous contributions by others.
Permission to copy and share this file without monetary profit is granted provided this statement and the author's name appear in the file. NONE OF THE PUBLISHED SOURCES QUOTED HERE UNDER FAIR USE HAVE GIVEN THEIR WRITTEN PERMISSION TO BE QUOTED IN A FAQ FILE APPEARING ON THE NET. Please distribute this file with due recognition of copyright laws and original authors' and publishers' rights and credits. The purpose of this file is purely educational.
Van Piercy
English Dept., Indiana University
Copyr. 1996. An alt.postmodern FAQ file, Version 1.05
Other places to find this file:
Anonymous ftp and web sites:


text:
Greenspan Cages Inflation Hawks
"Pull over, economy, you're going too fast."
Some economists say the Federal Reserve - America's monetary police officer - should write out a speeding ticket (higher interest rates) when it meets in Washington tomorrow.
"The Fed ought to tighten," says Cynthia Latta, an economist at Standard & Poor's DRI, a consulting firm in Lexington, Mass.
"I constantly worry they have been mistaken in the last year or so in not tempering things," echoes Robert DiClemente, an economist with Salomon Smith Barney, an investment bank in New York.
Most Fed watchers, though, assume the 12 voting members of the Fed's Open Market Committee (FOMC) will leave short-term interest rates alone and not attempt to slow the economy to prevent a revival in inflation.
At least for now.
Of course, the Fed could pull a surprise, as it has on occasion. But many Fed watchers assume the central bank will be wary of shocking financial markets, and will give some advance hints of a any change in policy.
In a democracy, Mr. DiClemente speculates, Fed officials may feel obligated to explain a policy step that would touch virtually all households with higher costs on mortgages, car loans, and credit-card balances.
A surprise hike in interest rates, though probably only 0.25 percentage point, could cause something near panic among investors in long-term bonds and corporate stocks. Prices would plunge sharply. Investors would assume the rate hike was first of several.
Financial markets in Asia, already on edge because of the violence in Indonesia, would be further troubled.
Members of Congress have been saying the International Monetary Fund should be more open, more public, in its demands on Asian nations facing an economic crisis. The Fed may sense a similar need for accountability. It does now announce its policy decisions immediately, rather than waiting for weeks to do so.
In any case, Fed Chairman Alan Greenspan did give plenty of warning before the Fed raised interest rates a tad in March 1997.
Some hawkish members of the FOMC have wrung their hands lately about the speeding economy, suggesting that restraint might be necessary "eventually." At its last session, the Fed reinstated a formal policy bias toward tightening.
But Mr. Greenspan has passed up opportunities to worry out loud that the Asian crisis has not slowed the American economy sufficiently to stave off inflation.
Greenspan has such a solid reputation in the business community and Congress that it would be awkward for the other Fed governors or the presidents of regional Fed banks to override his view. It is the chairman who meets with President Clinton, as occurred recently.
Maybe if 10 members of the FOMC thought it was time to slow the economy down, they might vote against the chairman and a supporter, suggests Ms. Latta.
But no such super-majority is in sight on the FOMC.
Another reason the Fed isn't likely to boost interest rates is that there is "no smoking gun." Inflation remains low.
True, last week the Bureau of Labor Statistics reported the first jump in wholesale prices in seven months, largely due to higher tobacco prices. And the next day, the BLS said the consumer prices rose 0.2 percent in April, the largest increase in six months. But for the first four months of the year, inflation ran at a modest 0.9 percent annual rate.
Most economists saw no reason in either inflation measure to sound an alarm bell. They expect that with oil prices likely to drift higher, the year may end with consumer prices up about the same as last year's 11-year low: 1.7 percent.
Economists' concerns are mostly longer term. Business can't find enough workers. As a result, employees can demand higher wages. That will push up labor costs and reduce profits, maybe hitting stock prices. Eventually business will raise prices to cover costs. Rising inflation will prompt the Fed to act.
But not yet.


text:
Introduction Description Schematic Instructions Software Vintages Differences with TEMP05 FAQ HomeSeer Setup References Ordering Information Download the Instruction Manual Here
Software Upgrade Policy
Midon Design strives to continue to add value to our products and, as result, we release new features to the software from time to time. Upgrading TEMP08 is easy.The processor used in TEMP08 is re-programmable. Note, however, that there there are two different processors used:
If you want to program your own processor, the S19 file for the most current version is available from the version number link for the product.
Last Updated March 11, 2022
Greer, SC 29651 USA
Please report any problems with this site to


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Tools and Integrations
Uptycs Unified CNAPP and XDR takes an API-first approach, giving you the ability to seamlessly integrate with existing security infrastructure. Here's what we can do for you.
Explore our most popular tools and integrations below:
Splunk Request Access
ServiceNow Learn More
Sumologic Request Access
USQL - Command Line Tool Install Now
Cortex XSOAR - Security Orchestration Learn More
Jira - Automated Incident Management Learn More
Pagerduty Learn More
Slack Learn More
Rocket.Chat Learn More
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text:
Siver Cartel is taking the action sportswear market by storm. What do you think is the reason for its success?
It's pretty simple. The ski industry shows minimal support for free ski and twin tips so kids are super stoked on a rider owned and operated brand. Plus we are offering a product that has never been offered before to skiers....streetwear.
Can you tell us about your affiliation with Orage?
I ride for orage outerwear...that is my affiliation with orage.
Any future plans to make outerwear?
Eventually, siver will make outerwear. Our plan is to attain a strong enough hold within the ski market from streetwear to justify expanding out into outerwear. But i guarantee we will within a few years.
What are you planning on occupying your time with this upcoming season?
Lots of siver expansion and shooting...no comps, just filming segments and shooting with mags. and hosting camps as well.
What do you find most challenging about being both a pro skier, and a business owner?
Time is sacred. And there's not enough of it. Plus i'm married and a dog owner...theres a lot going on.
How has the Line team progressed since you became a part of it?
I've been with Line since day one and all I have seen is progress with every rider that Line sponsors. We have a super innovative and original team. Easily one of the best teams on the planet. Line rules.
There is a lot of controversy surrounding ski boarding's future as a sport. What are your thoughts on this issue?
Personally, I think the sport is on the out. It never recieved any support from the bigger industry of skiing so it really never had a chance.


text:
Vacant room search
- Confirmation, change, or cancellation of reservation
- Login to My Page
- Corporate reservation login
- Please refer to this section for a FAQ on corporate logins.
Daiwa Roynet Hotel AOMORI
A good location, five minutes' walk from JR Aomori Station, where redevelopment in front of the station is progressing.
The appearance that makes you feel the tradition even though it is modern. Relax as a business and tourist hub in a functioning and comfortable room.
(Not found)
- 01/
- 04
Japanese and Western buffets UGUISU
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- 5
A number of dishes that showcase the morning. Enjoy a refreshing breakfast in Aomori
Enjoy UGUISU style hospitality with a modern, Japanese-style interior and some nostalgic dishes and delicious coffees.
|Opening hours
|6:30-10:00 (Last entrance 9:30)
|Service charge
| Adult: 1,400 yen (including tax)
Elementary school students: 850 yen (tax included)
Preschool Children: Free
※ Breakfast tickets are sold at 2F reception.
|First floor of this hotel
A well-balanced breakfast buffet style with plenty of Aomori ingredients in the morning.
At breakfast time, we offer delicious coffee, which is carefully brewed one bowl at a time along with a buffet.
Please enjoy the blissful time you can only enjoy here.
[Place] 1st floor
[Opening hours]
Breakfast: 6:30-10:00 (L/IN 9:30)
Lunch: 11:30-15:00 (L.O. 14:30)
Dinner: 18:00-23:00
Regular holidays: Tuesdays (Wednesday if Tuesday is a holiday) *Breakfast is open all year round
[Genre] Cafés, Japanese food (other), ramen
Parking lot+ー
Located on the 1st floor.
Reservations are not available.
Price:14:00~11:00 ¥700
【Vehicle restrictions】
Location:2nd floor
Price:Free (hotel guests only)
Opening Hours:6:00-23:00
Convenience store+ー
Location:1st floor
Opening Hours:24H
ATM service
Coin-operated laundry+ー
Location:9th floor
Business hours:24h
Number of machines:3
Reference fee:300 yen ~
Please use 100 yen coins only.
Vending machines, ice-making machines, and microwave ovens+ー
Vending Machine:5th・12th floor
Microwave:5th・12th floor
Ice Machine:5th・12th floor
Smoking area+ー
Smoking Area is located on the 2nd floor and can be used any time of the day.
Conference room+ー
There is a meeting room in the hotel. For any further information please contact our hotel directly.
Our hotel can keep your luggage for one day.
For more information please check our FAQ corner.
We accept domestic shipping only.
For more information please check our FAQ corner.
All the enterances are locked for security between 12am - 6am.
Please use your room key to enter the hotel.
※Some hotels also have security in the elevators.
(Not free) Please ask the front desk.
Our hotel provides folding manual wheelchairs available for use within the hotel only. If you would like to use one, please inform hotel in advance.
Free Wi-Fi+ー
Every room and the lobby have free Wi-Fi.
How to get here
Those who come by plane
・ Approximately 45 minutes from New Chitose Airport to Aomori Airport
・ Approximately 1 hour and 15 minutes from Haneda Airport to Aomori Airport
・ Approximately 1 hour and 20 minutes from Chubu International Airport to Aomori Airport
・ Approximately 1 hour 25 minutes from Itami Airport to Aomori Airport
・ Approximately 3 hours 20 minutes from Fukuoka Airport to Aomori Airport
Approximately 35 minutes by JR Bus Tohoku from the Aomori Airport bus stop
Approximately a three-minute walk from Shinmachi 1-chome bus stop
Those who come by train
Nearest station
・ Approximately 5 minutes on foot from Aomori Station on the JR Ou Main Line/Aoimori Railway
・ Approximately 6 minutes from Shin-Aomori Station on the Tohoku and Hokkaido Shinkansen lines to JR Aomori Station
Approximately 5 minutes walk from Aomori Station
・ Approximately 35 minutes by JR Bus Tohoku from the Aomori Airport bus stop
Approximately a three-minute walk from Shinmachi 1-chome bus stop
Those who come by car
There is a multilevel parking garage at the back of our hotel.
Aomori Nebuta Matsuri
Approximately 5 minutes walk from the hotel
QAre amenities in the room are free of charce?+ー
A Yes, feel free to use them.
QDoes you hotel have a public bath?+ー
A No.
QIs it possible to rent a car?+ー
A Our hotel does not provide rental car services. To find one, please ask the front desk.
QWhat is Check-In and Check-Out time?+ー
A Check in time is 2pm. Check out time is 11am.
QCan I request an early Check-In+ー
Earlier check-in is possible starting 12pm and costs extra one thousand yen per each hour.
Please understand that this may be subject to availability on your check-in date.
QCan I request a late check-out?+ー
A Late check out is possible but is a subject to availability on your check out date. The latest check out time is 2pm.
QDoes your hotel allow pets?+ー
A Unfortunaltely, no. (Sight challenged customers can stay with their service animals)
QDoes your hotel provide houskeeping daily?+ー
A Yes.
QIf i extend my stay, can I stay in the same room?+ー
A Depends on the room availability of that day. Please contact the front desk.
QCan I make room requests?+ー
A We accept room requests but may not be able to provide you with desired room depending on the room availabilitu of that day.
QCan I store my luggage at hotel before check in or after check out?+ー
A We can keep your luggage at the front desk on the day of your check in and the day of your check out.
QI have another reservation at your hotel. Can I store my luggage until my next check in?+ー
A Of course, once we confirmed your reservation.
QCan I check in later than the check in time I stated?+ー
If you are going to be later that your stated check in time please inform the hotel.
Due to security reasons the doors to the hotel are locked at night. In case of late arrival please use an interphone next to the door to contact front desk.
QCan I ask for a free upgrade?+ー
A Room upgrades are possible but not free. Please contact front desk for more details.
QWhat do you need to check in to the hotel?+ー
A Please show us your passport and reservation number.
QCan I invite a guest into my room?+ー
A Please meet with your guest at the public area of the hotel.
QCan I smoke in the room? Can I smoke electronic cigarettes?+ー
A If you would like to smoke in the room, please book a smoking room.
QDo I have to pay extra for my child?+ー
A Children under 12y.o can stay for free when sharing bed with their parents (amenities and breakfast are not included).
QDoes your hotel have a shuttle bus service?+ー
A No, but our front desk can help you to find one.
QIs there Wi-Fi in the hotel?+ー
A Yes, and it's free. For password, please contact the front desk.
QCan I make a copy or send a FAX from your hotel?+ー
Yes, at the front desk.
It would be 10JPY for black&white page or 50JPY for a colored one.
QCan I ship my luggage to your hotel?+ー
Yes, we can keep youe belongings at the front desk.
When shipping, please write your reservation name and check in date.
Please note, that we cannot keep luggages that require temperature control.
QCan you keep food or drinks?+ー
A Yes, as long it does not require temperature control.
QCan I send a parcel to your hotel by cash on delivery?+ー
A No. Please pay for delivery in advance.
QCan I send a parcel from the hotel?+ー
A Yes, but only domestically.
QCan you ship internationally?+ー
A No. Only domestically.
QCan I exchange currency at your hotel?+ー
A No. Please ask front desk for closest exchange offices.
QCan I borrow an iron?+ー
A Yes. Please contact the front desk.
QCan I make a phonecall from my room? Can I call overseas?+ー
A Yes, but you will be charged for each outcoming phonecall.
QDo you have an adapter or converter?+ー
A Yes, at the front desk.
QCan I send my luggage to the airport?+ー
A Yes. Please bring your luggage to the front desk in andance since it usually takes two to three daive for it to be delivered.
QAt the hotel, can I pay with a credit card? What kinds of credit card can I use?+ー
A We accept VISA, MasterCard, JCB, American Express, Diners and Union Pay.
QCan I pay with a QR code (AliPay, WECHAT PAY or KAKAOPAY)?+ー
A No.
QCan youissue a receipt for my stay?+ー
A Yes, but only for the payments made directly at the front desk.
QWhat's the hotel's cancellation fee policy?+ー
(Reservations made for 1 to 14 people)
Cancellation on the previous day: 20% of room charge.
Cancellation on the day: 80% of room charge.
No-show: 100% of room charge.
(Reservations made for 15 or more people)
Cancellation 9 days prior to check in day: 10% of room charge.
Cancellation on the previous day: 20% of room charge.
Cancellation on the day: 80% of room charge.
No-show: 100% of room charge.
QHow do I become a member?+ー
A Please inquire to the front desk.
QDo I have to pay to become a member?+ー
A No, it's totally free.
QWhat are the benefits of becoming a member?+ー
A To find out about Roynet Club benefits, please stop by the front desk.
QHow long are Roynet points valid for?+ー
A Points a valid for two years since the last stay.
QHow can I use my Roynet Points?+ー
A Points can be used at the front desk when you pay the room charge.
QI lost my membership card. What should I do?+ー
A Please inform the hotel for the new card.
QWhat is Roynet Club Members?+ー
A It's a point collecting system that can be used at any Daiwa Roynet hotel.
QI forgot something in the room. What should I do?+ー
A Please contact our hotel.TEL.81-17-732-7380
QCan you make a restaurant reservation for me?+ー
A Yes, but only for the period of your stay at out hotel.
QWhat is check-in time?+ー
A You can check in any time after 2 pm. In case of you arriving late please let the hotel know your arrival time in advance.
|Number of guest rooms
|Check-in / Check out
|Credit card
|VISA・JCB・AMEX・Diners Club・MasterCard・UC・UnionPay card
|Other Facilities
|Restaurant / Parking lot / Gym / Convenience store / Coin-operated laundry / Vending machines, ice-making machines, and microwave ovens / Smoking area / Conference room
|Other Services
|Left-luggage / Courier / Security / Copy/Fax / Wheelchair / Free Wi-Fi / Public PC / PCs for lend (charged)


text:
practical and light chair created by italo pertichini in 2009.
a chair with beautiful, fluid lines. the added, innovative benefit of stackability solves all space-related problems, increasing the products practicality and versatility. equally perfect for homes and public use, amélie blends comfort and a lightweight, practical design achieved through a masterly use of polyethylene worked with the rotational moulding technique.
dimensioni: 67 x 59 x H87cm


text:
Ways to Make a Gift
Whether you are making an annual gift supporting the College's operating needs or a major gift supporting an endowment or capital project, there are many ways to contribute to the College of Natural Science.
The NatSci Advancement Office staff will work with you to find the best way of giving that is beneficial to you. They have years of experience and are pleased to explore possibilities with donors or with donors' legal or financial advisors. You can contact the advancement staff at (517) 353-9855.
Gifts to the university may be:
- Outright gifts that will benefit the College at this time
- Planned gifts that will support the College in the future.
Either type of gift can be given for a specific purpose (restricted) or for general use (unrestricted).
Outright Gifts
The most common way to make a gift is by check. All checks should be made payable to "Michigan State University". To ensure that your gift is used as you wish, please include a note stating your designation. In making a gift to the University, you can use a credit card and call in the donation, use the online form, or specify that an automatic charge is to be made periodically.
Gifts of securities, such as stocks, bonds and mutual funds, can be a tax-advantaged way to support the College because they can be donated without paying any capital gains taxes. Moreover, if a donor has held such stocks for more than one year, he or she can claim a tax deduction based on the fair market value of the securities–even though they may have been purchased for only a fraction of that amount.
Securities held less than one year also can be donated, qualifying for a deduction typically based on what the donor paid for them. Gifts of securities typically involve publicly traded shares, such as those traded on the major exchanges, over-the-counter, and most common mutual funds. Gifts of privately held stock are also possible.
Real Estate
Real estate gifts can be another tax-advantaged way to support the College since they can also be donated without paying any capital gains taxes. Moreover, if a donor has held the property for more than one year, he or she can claim a tax deduction based on its fair market value–even though it may have been purchased for a fraction of that amount. Property held less than one year may also be donated, qualifying for a deduction typically based on what the donor paid for it.
There are a variety ways in which real estate can be donated. It can be used to make an outright gift, allowing an endowment, capital project, or other needs to be funded right away. Or through Planned Giving, it can be used to fund a life income gift, paying the donor, and perhaps others, an income stream for life with the remainder being used to support the College. Also through Planned Giving, donors can contribute a remainder interest in a residence or a farm, enabling them to make a gift to MSU today while still living in their house or on their farm for the rest of their lives.
While the requirements to make a real estate gift vary, depending on the type of gift being considered, at least three steps are typically required: an appraisal of the property's value; an assessment of any environmental risks posed by the property; and the preparation of a deed that actually transfers the property.
Gifts in Kind
Gifts of personal property can also provide valuable support to URI. Artwork, antiques, books, and any other form of property can be important donations to the University, which has a great need for a wide variety of items. Paintings, sculptures, and antiques beautify the campus and enhance students' artistic appreciation. Books and manuscripts add to the University Library collections. Equipment provides laboratories with the needed resources for students to test their knowledge.
The tax benefits for gifts-in-kind can be similar to gifts of money or securities. If the property is used for the University's educational mission, the donor can deduct the property's full fair market value, provided the donor has owned the property for more than a year. Otherwise, the donor can still deduct the property's cost basis, an amount that usually equals the price the donor paid for the property.
In choosing to make a gift to the College of Natural Science, donors may also want to consider the following:
Matching gifts Many employers sponsor matching gift programs that they make available to employees, employee spouses, retirees, and board members. By following your company's guidelines, the value of your gift may be doubled or tripled.
Memorial Gifts A gift made in memory or in honor of a teacher, student, relative or friend is a generous and thoughtful gesture recognizing an individual's life and accomplishments.
When an honorary or memorial gift is made, the Development Office notifies the honoree or next of kin. To make an honorary gift, please send a letter indicating the purpose of your gift as well as the name and address of the honoree. For memorial gifts, if a memorial fund has not previously been established, your check should include the name of the honoree and the name and address of his/her next of kin.
NatSci Advancement Office staff will work with you to find a creative way of giving that is beneficial to you, your family, and the College. They have years of experience and are pleased to explore possibilities with donors or with donors' legal or financial advisors. You can contact the staff at (517) 353-9855.
Planned Gifts
Planned gifts provide a way for donors to enjoy tax advantages, and sometimes income benefits, while contributing to the future of the College of Natural Science. Many people incorporate a planned gift into their estate and financial planning.
Since there is no "one size fits all" approach to making a planned gift, we will be happy to meet with you and your financial advisors to help determine which planned giving option is most advantageous to you.
Membership in the Landon Society is extended to alumni and friends who have made a provision in their estate plans to benefit the College of Natural Science.
Types of Planned Gifts
- Bequests in Your Will or Trust
- Retirement Plan Gifts
- Life Insurance Gifts
- Life Income Plans
- Retained Life Estates
- Charitable Lead Trusts
Bequests in Your Will or Trust
The simplest way to make a planned gift to MSU is to name the University as a beneficiary in your will or in a revocable trust. Doing so allows you to:
- direct your bequest be used in any manner you choose;
- choose any portion of your property to pass to MSU upon the occurrence of a variety of events, including your spouse's or children's deaths;
- retain complete control over your property until your death;
- change the amount you wish to leave at any time before you pass away;
- provide for the care of others before MSU receives any part of your estate.
Depending on the size of your estate and the amount of your charitable bequest, you may also avoid estate taxes on the bequest itself and may place the remainder of your estate in a lower tax bracket, thereby benefiting your other estate beneficiaries. A bequest provision can be incorporated into your will when you are revising it, or added to an existing will by means of a codicil. Bequests can be:
Specific: You can specify an amount of money or which particular assets, such as securities or tangible property, will be left to MSU. You can also designate that a specific percentage of your estate be given to MSU.
Residuary: A residuary bequest is that which remains after specific bequests to others, estate taxes, and estate settlement fees are paid.
Contingent: A bequest can be worded to take effect only if certain conditions occur. Typically, a contingent bequest specifies that the gift is made only in the event that your spouse predeceases you.
Retirement Plan Gifts
You may designate MSU as the first or second (after your spouse) beneficiary of your retirement plan, including any individual retirement accounts you may own. This enables you to avoid the taxes imposed upon retirement accounts, which can be considerable.
- First, your heirs will have to pay income taxes on the assets held in your retirement account.
- Second, assets held in a retirement plan, unlike other assets in your estate, will not pass to your heirs (other than your spouse) on a "stepped up" basis. This means that your heirs will likely have to pay capital gains taxes on the accumulated earnings in your retirement plan.
- Third, your retirement account may be subject to an estate tax and possibly a generation-skipping tax, if your heirs are your ultimate beneficiaries. Heirs other than your spouse may receive only a small fraction of your retirement plan.
These taxes can be avoided, however, if the assets from your retirement plan pass to MSU. In addition, because the assets grow tax-free until they are withdrawn, the ultimate gift to MSU may be more substantial than from other deferred gifts you are considering.
Life Insurance Gifts
Life Insurance may be used in a variety of ways to make a charitable gift to MSU. For policies that are paid up (where no more premiums are due), you may transfer ownership of the policy to MSU and name MSU the beneficiary. In most cases, you will receive a federal income tax deduction equal to the cash surrender value of the policy.
For policies with premiums remaining to be paid, when you give the policy to MSU and name the University as beneficiary, you will receive an income tax deduction roughly equal to the cash surrender value of the policy plus a portion of your last premium payment. You will also enjoy income tax deductions on your future premium payments that will be needed to keep the policy in force.
If your employer provides group term life insurance and pays the premiums, you can name MSU the beneficiary of that policy and avoid paying taxes on the premiums you would otherwise incur.
Finally, you can name the University the full beneficiary, or a percentage beneficiary, of any life insurance policy you own. You will not obtain a charitable tax deduction, however, without transferring ownership to MSU.
Life Income Plans
A life income gift is created when you irrevocably transfer property in exchange for which you (and/or others you designate) receive income, usually for life. While there are several different types of life income gifts, they all share the following advantages:
- immediate federal income tax deduction;
- attractive payment stream;
- avoidance of all or part of the capital gains taxes otherwise due upon the sale of appreciated assets;
- estate tax savings and reduced probate costs.
MSU offers two kinds of life income gifts: charitable gift annuities and charitable remainder trusts:
Charitable Gift Annuities: Under the terms of this type of gift, you irrevocably transfer cash or securities to the University. You receive an income tax deduction and will save capital gains tax. MSU will contract to pay a guaranteed fixed amount each year to you and/or someone you designate as a beneficiary. These payments are backed by the assets of MSU. The older you are at the time of the gift, the greater the fixed payment. Typically, a portion of each payment is also tax-free.
The annuity payment stream can begin as soon as the gift is made. However, if you don't currently need the income or want a larger income tax deduction, you may elect to defer the income until a future date. The contracted payment amount will also be greater. At the end of the designated lifetimes, the remainder will be used by the University according to your wishes.
Gift annuities can be funded with minimum gifts of $10,000. Because the payments are fixed, charitable gift annuities are appropriate for donors who want to make a significant gift to MSU, but are concerned with maintaining a life income stream that they can count on.
Charitable Remainder Trusts: If you choose this vehicle, you transfer cash, securities, or other types of property, on an irrevocable basis, to a trustee of your choosing. You receive an income tax deduction and pay no capital gains tax on the transfer. During the trust's term, the trustee invests the assets and pays you, or your designee, each year an income stream for your lifetime(s), a fixed term of not more than 20 years, or a combination of the two. You may choose to receive a fixed dollar amount (annuity trust) or a fixed percentage distribution (unitrust) based upon the trust's annual current market value. You may also make additional charitable contributions to a unitrust whenever you desire, as it is revalued annually for payout amounts. When the trust terminates, its remaining principal passes to MSU to be used for the purposes you designated.
Charitable remainder trusts are typically funded with higher dollar minimums as may be required by the trust manager you choose.
Retained Life Estates
Under a retained life estate plan, you irrevocably deed your home or farm to MSU while retaining the right to use the property for your benefit for the rest of your life, a term of years, or a combination of the two. While you retain this right, you continue to be responsible for routine expenses associated with maintaining the property–insurance, property taxes, repairs, etc. When your retained life estate ends, MSU can then use your property or the proceeds from its sale according to your wishes.
You are entitled to a present income tax deduction equal to the value of MSU's remainder interest in the property. The deduction amount is determined by the appraised value of the property and your age. If you have owned the property for more than one year, you may also avoid any capital gains taxes that could be assessed should you sell the property rather than donating it to MSU.
Charitable Lead Trusts
A charitable lead trust involves the irrevocable transfer of property to a trust that pays an income stream to MSU for a period of years, for the lifetime of named individuals, or for a combination of the two. Charitable lead trusts will provide a current income tax deduction and may be established to pay a fixed dollar amount annually to MSU (annuity trust) or a fixed percentage distribution (unitrust). When the trust terminates, its remainder interest passes to any non-charitable beneficiary you choose, usually younger family members.
Charitable lead trusts are often used to transfer significant assets to family members at a future date with the intent of avoiding large estate or gift tax consequences. Charitable lead trusts may also be appropriate for reducing income taxes in years that you have unusually high income that places you in a higher tax bracket.
Gifts by will, trust, or beneficiary designation to benefit MSU should be directed to the MSU Office of Planned Giving.
The NatSci Advancement Office staff will work with you to find the best way of giving that is beneficial to you. They have years of experience and are pleased to explore possibilities with donors or with donors' legal or financial advisors. You can contact the staff at (517) 353-9855.