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The fellow who sent me this is a farmer who had produced extraordinary regional effects with his gifting. I invited him to post reports but he declined but said I can post them. The grape crop was extraordinary, this year and I gather that the bounty was localized enough to show that his orgonite had done it. African farmers are generally quicker to pick up on orgonite's miraculous ability than Western farmers are but it will happen everywhere before long.
Very few of us are followed by the sewer rat agencies when we're gifting, any more, but he took good precautions, anyway, and was careful to take note of who was around him. I think the only gifters who are getting bothered by the $#!+birds, now, are a couple in Utah--one of the few remaining Draconian estates? All of their tires were destroyed one night, right after a gifting sortie, also all of the tires on a relative's car. I forgot to mention to them that they probably shouldn't look at it as vandalism, especially where they live.
Many years ago, a couple of the guys in Montreal (Steeve Debellefuille and I think Alexandre Emard) came out of a lecture hall after delivering a well-received presentation about orgonite and saw a guy in clean coveralls running away from their car after having just slashed the tires. They were evidently supposed to see him do that but of course that just spurred them on to do more good work and one of them posted about it on EW. I think the sewer rats are getting tired of seeing us post about their intimidation/surveillance chicanery. I know these 'government' agents fear and loathe having their photos included. ~Don
Dear Don,
As promissed I gifted the motorway (autoroute A61) from Narbonne to Toulouse. This is about 140 kilometer and I distributed about 50 TB's going there and 50 TB's on the way back. So 100 TB's in total. I did not stop to gift but just threw out every 5 kilometer a TB through the open right window of my car. When I saw a deathtower I did the same, as close to the deathtower as possible. When the tower was far away or very big with much antennes I gifted two TB's. As I did the same on my way back, every deathtower has been gifted by two Tb's and those far away or very big by four TB's.
The precautions I took was that I wore Carol's HP and two Ben Morton M17 pendants. Moreover I had my Succor Punch running in my car. Interestingly in the beginning my SP stopped running, (the light went out) and when I then turned the batteries a little bit it started running again (the light went on). This happened four or five times. I then put the battery pack with the switch and the light on a TB and the SP kept on running all the time.
I drove along at about 90 kilometer an hour and all passenger cars passed me with about 120 kilometer to 130 kilometer an hour. So if I was being followed it would have been apparent immediatly. I did not see any cars following me.
However most of the resting places along the A61 (Aires) were closed down and even a number of places were you could depart the road to other destinations (bretelles) were closed down. As there were many deathtowers located on resting places (Aires) I stopped there anyway and gifted the deathtower.
There was not one rectangular pond along this motorway that I have seen. So I think that along this highway there are no unground nuclear installations. Also the area and the motorway (A61) itself had a healthy, clean feeling. This was in sharp contrast with local roads near the coast which I drove along to get to Narbonne which had a dirty, grubby feeling. The same can be said for the motorway A9 from Narbonne to Beziers. It to felt dirty and grubby. The remarkable thing was that on this strech of motorway (A9) there were less (about halve) deathtowers per kilometer as along the A61 Narbonne - Toulouse.
On the local roads going to Narbonne I did gift one big deathtower. On the A9 going back from Narbonne to Beziers I gifted about 7 or 8 deathtowers.
All in all it was an gifting trip with no disturbances. However as I am writing this I got the news that the wife of my eldest brother living on the Cote d'Azur about 300 km away had a brainstroke.


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Yesterday | Peninsula Daily News
Ninety-six entries in Rhody Parade, mostly dry weather make it 'great'
It didn't rain on the Rhody Parade on Saturday. The highlight of the 78th annual Rhododendron Festival celebration finished with only a few drops getting in the way.
Boyd E. Shelby and Karen Shelby celebrated their 50th wedding anniversary with a party given by their children.
'Click it or Ticket' patrols target texters and talkers
Ever wonder why Washington has one of the highest seat-belt use rates in the country? According to the Washington Traffic Safety Commission, it's due, in large part, to the highly visible "Click It or Ticket" campaign which includes publicity, extra enforcement, and signage.
Bremerton teen arrested on gun charge
The boy's mother called police to her home in the 8100 block of Lariat Trail NW after discovering a gun in his backpack.
Anniversary: Radovich 40 Years
Fred and Mary Radovich of Port Orchard recently celebrated their 40th wedding anniversary.
2-car accident on Highway 3 injures 3, blocks traffic
A 40-year-old Allyn man driving a 1996 Mercury Mystique on Lake Flora Road failed to stop at a stop sign at Highway 3. A 29-year-old Port Orchard man in a 2004 Pontiac Grand Am traveling north on Highway 3 skidded across the road to avoid the Mercury but hit it in the southbound lane.
Employer spotlight: The Coffee Oasis
Pam VanOverbeke, the catering coordinator at The Coffee Oasis in Bremerton, cleans tables inside.
Kitsap-area art gallery calendar for the week of May 17-23, and beyond
CONTRIBUTED IMAGE Lee at work Lee Molenaar returns as the featured artist at Collective Visions Art Gallery, 331 Pacific Ave.
Lola L. Cummings, 93, of Bremerton passed away peacefully at home on May 1, 2013 at the Willows Retirement Apartments.
Dance for a Chance combats teen homelessness
Teens helping teens is the thought behind the upcoming Coffee Oasis benefit - the third annual National Dance Week Kitsap event.
An old compass, corroded at the edges, lies on the dashboard of my car. The arrow spins quickly, like arms lurching outward, as the car navigates bends.
District Court | Man takes front door off rental home, faces trespassing charges
A 55-year-old man, who removed the front door of his rental house, was charged with first-degree criminal trespassing in Kitsap County District Court on May 3. Charging papers stated that Robert D. Cullen, of Port Orchard, has a rental home on Victory Drive and the tenants were several months behind in paying rent.
Terry Mosher | Thomas left legacy on, off the field
Years ago, I was walking with Chuck Semancik as he was leaving Memorial Stadium after a West Bremerton football win.
Port Orchard Library slated for major renovation
The library will get new carpet, more nooks and crannies in which patrons can read or work on laptops, and repairs on downtrodden features, such as ceiling acoustical tile.
Intuitive Witnesses Blame Patient Death on Bad Heart
Witnesses for Intuitive Surgical Inc. testified that heart disease, not a failed robotic procedure, killed a patient whose widow is suing the company over claims that overly aggressive marketing caused surgical errors.
Dorothy died on Wednesday, May 1, 2013 at Retsil Veterans Home in Port Orchard. She was born in Swanville, Minn.
Warm, sunny Sunday draws families to Kitsap parks
Ed Friedrich / Kitsap Sun Kristin Kinas, of Port Orchard, search for critters Sunday at Manchester State Beach with daughter Sydney, 7, and friend Endrea Karraker, 6. Ed Friedrich / Kitsap Sun Braden Kimble, 3 of Bremerton, chases giant bubbles created by dad Jeff Kimble on Sunday at Manchester State Park.
Patrick the Giant, the new police bloodhound recently added to the new Kitsap County Sheriff's Office, played a key part in recovering a "missing" youngster in Port Orchard.
Failed robotic surgery focus of Kitsap trial
Has the company that manufactures a surgical robot involved in some 450,000 operations worldwide last year pushed doctors and hospitals to use the tool with inadequate training, putting patients at risk? That's one of the questions lawyers are debating before a Superior Court jury in Port Orchard, Kitsap County, in the nation's first trial against ... (more)
South Kitsap High students 'get real' in mock drill
Hundreds of seniors watching from the grass hill in front of South Kitsap High School as police, firefighters and emergency medical personnel attended to victims of a two-car crash on Mitchell Road.

subset: commoncrawl


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What started you writing and is it something you always wanted to do?
For me, writing has always gone hand in hand with reading, and I read voraciously from an early age. If you read, it just seems natural to want to write. What really kick-started things was a wet holiday in Yorkshire when I was 17: it rained just about every day, and so I ended up working through just about every trashy paperback they had in the village shop. It passed the time and, more importantly, it set me thinking seriously about writing: writing as a career, writing as a way of life.
Do you write full-time or do you have another career?
I've had periods of several years writing full-time, but pressures of mortgage and regular bills tend to make a day job a necessity for most writers, and I'm no exception. I currently work at a University, managing the website and learning technology teams, with a bit of creative writing lecturing on the side. I also run the infinity plus ebook imprint (www.infinityplus.co.uk/books), publishing the work of award-winning authors such as Eric Brown, John Grant and Iain Rowan.
Describe your typical writing day.
Ideally, I get up early, go for a run, have some breakfast and a good strong coffee. Then I try to get 1500 words in before lunch. I aim for another session of at least 1000 words in the afternoon, by which time I'm slowing down a little. Anything on top of that is a bonus.
In reality, even a day devoted to writing is broken up with the business of being a writer and publisher: keeping on top of correspondence, promoting books in various media, Facebooking and tweeting, various administrative tasks, etc. And a day entirely devoted to writing is a rare thing, so more typically I carve out slots of an hour or two from days when I'm at the day job or doing family things. One of the most useful things I've learnt over the years is how to take advantage of even a short opportunity to write: a couple of hundred words in a snatched hour on a train is far better than waiting for that perfect writing day to come along.
What inspired you to write 'The Accord'?
The idea first came to me as a fantasy short story. I was driving to work and out of nowhere I wondered what it must be like for a trusted advisor to be in love with the Emperor's wife. By the time I'd reached work, the trusted advisor had become a wizard and his solution was to conjure up a parallel world where copies of himself and the Emperor's wife could be free to have an affair. As the idea matured, I started to wonder how long this parallel world might exist - could they live there forever, if the wizard has created it? And what would the Emperor do when he found out? Gradually, the idea of a love triangle that spanned millennia, and the ensuing feud as the Emperor pursued his wife and her lover transformed into something more science-fictional: rather than wizards and magic, why not have a virtual reality heaven instead? Once I'd made that leap, I knew it was going to be a big novel rather than a fantasy short story, and there was no turning back.
What projects are you working on now?
I've just delivered two books. Strange Divisions and Alien Territories is a non-fiction book about science fiction, with chapters written by some of the top writers in the field, due from Palgrave Macmillan in early 2012. And alt.human is a science fiction novel, an extreme alternate history crammed full of aliens - both topics I've tended to steer clear of in my 20 years as a writer.
How do you publicise your work?
Websites (mine and one for infinity plus), my blog and guest-blogging elsewhere, Twitter, Facebook, Google Plus, LinkedIn, Academia.edu, interviews, mailing lists, readings and signings, appearances at conventions and other publishing events, by writing non-fiction for various publications... and probably lots of other ways that slip my mind. I hate to be brash and pushy about it, but I like to engage with people anyway, and I think it all adds up to raising awareness that, yes, I'm a writer and I have books available.
Do you have any advice for aspiring authors?
Be persistent. Finish what you write. Revise it until it's the best you can do. Submit it. When it's rejected, submit it elsewhere. When you think you've run out of markets, find somewhere else to try (my first novel sold to a publisher right at the bottom of my list; I so nearly didn't bother submitting it to them). Be very wary of self-publishing to start with, unless you're sure you can do it really well.
Other than your own, what's your favourite work of fiction?
I love writers like Graham Greene and Ian McEwan, and it's hard to pick out a single work. If forced, I'd be torn between Fitzgerald's The Great Gatsby and Silverberg's Dying Inside.
Which author had the greatest influence on you as a child?
Depends at which age. I was an obsessive Enid Blyton fan as a kid, but I'm not sure what influence that might have had! Later, John Christopher and John Wyndham figured large.
Finally, and most importantly, you've lost your wallet, who do you enlist to help you find it, Poirot or Miss Marple?
Probably Poirot: I love the cleverness and the way he plays people. Miss Marple plays people too, but she's just a little too creepy for my liking...
For more information about Keith and his work check out:


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Aug 14, 1958: Steal Power
Submitted by BTGrimes on Tue, 08/14/2012 - 9:00am |
Indian steals home twice! No American Leaguer had ever done that before, not even Ty Cobb. Even more amazing, Power's second pilferage was a walk-off theft of home in the tenth! It gave the Indians a 10-9 victory over the Detroit Tigers. This baseball history story is brought to you by TODAY in BASEBALL. Spread the word. Hyperlink www.todayinbaseball.com to your website. |


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AFF offers custom programs, leadership development, and organizational development to a broad range of leaders and industries. Companies, government ministries, agencies and non-governmental organizations have enjoyed the expertise and experience of our faculty for almost 60 years.
Ranked among the best programme
Our customers and participants rated AFF among the top custom executive and open enrolment program providers in the world each year since 2008 in the Financial Times Executive Education Ranking. Close to 5.000 participants have completed our executive, management, and mentoring programs.
Our reputation
As the best executive education provider in the Nordic region, our clients and partners recognize AFF as delivering value for money, high skills and learning, excellent course design and outstanding program facilities.
Our legend
AFF at the Norwegian School of Economics and Business Administration was founded in 1952 by Norwegian companies. Our founding father, Professor Rolf Waaler, was inspired by the course design and teaching methods of The Advanced Management Program at Harvard Business School and the Administrative Staff College at Henley. A professional enthusiast and driving force, the rector of NHH 1958-63, he lived to the age of 102.
Over the last twenty years, AFF has completed dozens of large-scale customized programs for multinational companies. Intensive training sessions have been organized in most European countries, as well as in Asia and North America. Selected industries have been telecommunication, petroleum, manufacturing, shipping, aquaculture, finance, and construction.
AFF partners
We work with highly specialized colleagues at NHH, The University of Bergen, Ashridge, London Business School, and ETH in Zürich. We have also completed cross-cultural and cross-disciplinary programs with global institutions like CCL and IMD.
Faculty and location
The AFF faculty counts more than 40 highly skilled professionals with management, research, and clinical background. Most of us have been working with global participants, and have international training and work experience. Our departments are located in Bergen, Oslo, and Stavanger offering services to the broadest range of clients in all types of business and services.
Contact us
We are ready to discuss any training needs that your company may have. Our staff members are prepared to get involved with you, investigate your needs, and design a customized program accordingly.
For more information contact:
Arne Selvik
Director of Communication and Public Relations
E email@example.com


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Janet Hubert, who played the original Aunt Vivian on The Fresh Prince of Bel-Air, says she wants to end her 20-year-old feud with star Will Smith and would not be opposed to a cast reunion.
Season 6, Episode 24 In the poignant series finale, the Banks family prepares to move away from California, and Will confronts his lack of achievements since he moved in with them.
Season 6, Episode 23 As the Banks children prepare to leave home, Will realizes that he has no plans for his future. Phil announces that he plans to sell the house.
The Banks family tries to act sweet. This lasts for about thirty seconds. The Banks family, a respectable Californian family, take in a relative - Will Smith, a street-smart teenager from Philadelphia. The idea is to make him respectable, responsible and mature, but Will got other plans...
Will runs a very effective scam in order to get the phone number of a beautiful young woman. The Banks family, a respectable Californian family, take in a relative - Will Smith, a street-smart teenager from Philadelphia. The idea is to make him respectable, responsible and mature. Will has different plans.
Alfonso Ribeiro — best known for playing Carlton on The Fresh Prince of Bel-Air — wed Angela Unkrich Saturday in California, People reports.
The cast of Fresh Prince of Bel-Air reunites!
This is the second marriage for Ribeiro, who... read more
Sherman Hemsley, best known for playing the vocal patriarch George Jefferson on The Jeffersons, died Tuesday, TMZ reports. He was 74.
He died at his El Paso, Texas, home, of natural causes, police told TMZ.
Remember other celebrities we lost this year
A theater actor in his early years, Hemsley originated the role of George Jefferson on... read more
Now doesn't this look like one big Berry happy family?
Two days after it was revealed that Jeff Goldblum and Brian Stokes Mitchell will play Rachel's dads on Glee, the two reported to set Thursday and took part in a family portrait with star Lea Michele.
"This is definitely going to be the best day ever," she tweeted Thursday. "Getting ready to shoot my first... read more
Bummed that Janet Hubert — the original Aunt Viv — wasn't at last week's Fresh Prince of Bel-Air reunion? Well, don't count on seeing her at any future ones either. The actress tells TMZ that she's still mad at NBC and Will Smith over her firing 18 years ago.The cast of Fresh Prince of Bel-Air reunites!"There will never be a reunion ... as I will never do anything with an a--hole like Will Smith," she tells the site. "He is still an ... read more
more The Fresh Prince of Bel-Air products
You might be also interested in the following websites:


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OTTAWA — Good news for lovers of opera in Ottawa.
After battling through some financial difficulties, Opera Lyra has announced a new season with two fully staged performances — Bizet's Carmen and Madama Butterfly by Puccini.
And, as an added bonus, the troupe will perform for families and students Gilbert and Sullivan's Pirates of Penzance in the Arts Court Theatre.
"After 11 years, Carmen finds her way back to Opera Lyra's stage and stars the vibrant and beautiful Alessandra Volpe who received international acclaim after her debut at Teatro alla Scala," said artistic director Tyrone Paterson in a news release. "Madama Butterfly features the return of Shu-Ying Li who broke hearts in our recent production of Turandot."
Reached by email, a tired but contented Paterson said Friday that he was encouraged by the success of the 2012-13 season.
"The past year has been challenging, but I am encouraged by how the community has rallied behind us. We definitely feel wanted and energized to continue to create high-quality opera productions for our audience.
"Live opera is an experience like no other and worth the effort to keep it alive in Ottawa," he said.
On the two main stage production, he said: "They are a great pairing and we expect these operas will have the power to fill the house to the rafters. Although very popular, we have not presented either of them for at least 10 years. It's perfect timing to bring them back."
For the recently appointed general director John Peter "Jeep" Jeffries, the announcement of the new season is a testament to hard work and being "frugal."
"We are doing well on the revenue front. It's a combination of reduction of expenses and good news on the revenue front."
Sales for La Boheme last fall started slower than hoped and built to a sellout, Jeffries said.
"When the show opened, there were folks here in Ottawa who weren't necessarily sure Opera Lyra was still around and second weren't sure we could do high-quality work. And I think we proved ourselves right on both counts." The success of the fall show was crucial to the future of the company, he said.
Doing La Traviata as a concert presentation was also a way to raise revenue and limit spending. And to date, Jefferies says, the company is poised to reach its sales target on this production.
The choices for next season are continuing this pragmatic path, Jeffries says.
"Given that we were absent from the stage of the National Arts Centre for a year, we feel that we need to rebuild our relationship with our existing patrons and also see if we can attract new ticket buyers to the opera. The two shows selected for the next season are aimed at doing that."
Bizet's Carmen is a story about a soldier with a past who is seduced by a beautiful gypsy who cares only for her own freedom. The opera is one of the most famous and recognizable.
It will be staged Sept. 7, 9, 11 and 14 at Southam Hall in the National Arts Centre.
Madama Butterfly is also a classic piece. Set in Japan in the late 1880s, it is the poignant story of a young Japanese woman who falls in love and marries an American naval officer. Tragedy ensues.
Look for this performance next April 19, 21, 23 and 26.
In the world of topsy turvy, Gilbert and Sullivan's Pirates of Penzance is also one of the most well known. The operetta will be abridged for families to enjoy.
The company will continue to offer pre-opera chats and surtitles in English and French. Subscription and ticket information is available through the NAC box office at 613-947-7000 ext. 620. Or check operalyra.ca.
The current season ends March 21 and 23 with Giuseppe Verdi's La Traviata in honour of the 200th anniversary of Verdi's birth. It will be performed in concert in Southam Hall at the NAC.


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Chicago Bears Address Their Least Valuable Players from 2012 With Big Upgrades
I was tasked to come up with the Chicago Bears' 2012 least valuable players. Where do I begin? Over the course of the season, the Bears have a myriad of players who specialize in making fans angry.…Read More
Tice, Bates Among Chicago Bears Assistants Let Go
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OK Bears fans, you can resume hating the Green Bay Packers. Those scumbags from north of the Cheddar Curtain failed to beat the Minnesota Vikings, leaving the Bears on the outside looking in of the…Read More
Chicago Bears Will Be Targeting Jared Allen
The Bears, and the offensive line in particular, will be targeting Jared Allen on Sunday. At least they'd better be. So says Matt Bowen, a former NFL player and one of the best up-and-coming…Read More
Chicago Bears Week 11 Milk Carton
After a humiliating loss, the list of candidates to appear on the Chicago Bears Week 11 Milk Carton is long and distinguished. If you're new to the site, the Milk Carton is reserved for the Chicago…Read More
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I've decided to flip-flop things a bit this week. Normally I just pick the Milk Carton and put…Read More
The Cover Stew: Jay Cutler Explains Real Problem with Mike Tice
During his post-game press conference, QB Jay Cutler answered questions about why he got up and walked…Read More
Mike Tice on the Monday Night Hot Seat
I'm not going to lie I was not very excited when Mike Tice was named offensive coordinator to…Read More
Top 5 Chicago Bears Who Need to Step Up vs Dallas Cowboys
The Bears head to Dallas to square off with the 2-1 Cowboys. Both teams boast winning records, but…Read More
Bears OC Mike Tice Has a Plan for Carimi
While we've all been distracted by the left side of the Chicago Bears' offensive line, the…Read More
Durkin: Bears Training Camp Notebook Friday July 27th, 2012
By Dan Durkin | @djdurkin I never anticipated my inaugural piece here at beargoggleson.com to be a collection…Read More
Fantasy Thought-Kellen Davis A Super Sleeper?
When the Fantasy Football magazine rankings come out each year the projections generally mirror the…Read More
Your Ndamukong Suh Headhunting Video of the Day
Kickoff is just days away. As the Bears prepare to take on the Lions to open the 2010 campaign, offensive…Read More
BREAKING NEWS: Frank Omiyale is Bad at Football
Frank Omiyale doesn't need training camp; he's already in midseason form. Yesterday, I…Read More
Lance Louis Gets What in Camp?
I was watching video of the first night practice from the voices of the Chicago Bears, Jeff Joniak and…Read More
Chudzinski is not coming, Bears head back to drawing board
The Chicago Tribune's Dan Pompei is reporting that Rob Chudzinski will not be joining the Bears…Read More
Bears Rolling Dice on Tice?
Warm up the party boat, Bears fans! Another name has surfaced in the Great Coordinator Search of 2010…Read More


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Genco Shipping & Trading Time Charter
Genco Shipping & Trading Limited (NYSE:GNK) announced that it has reached an agreement to sign a time charter for the Genco Predator, a 2005-built Supramax vessel, with Pacific Basin Chartering Ltd. for approximately 11 to 13.5 months at a rate of $22,500 per day, less a 5% third-party brokerage commission. The time charter is expected to commence on or about May 7, 2010 and is subject to the completion of definitive documentation. Currently, Genco has approximately 67% of its fleet's estimated available days secured on contracts for the remainder of 2010.
DryShips Announces Signing of Drilling Contract
DryShips Inc. (NASDAQ: DRYS) announced that its fully-owned subsidiary Ocean Rig UDW Inc has signed definitive documentation following the previously announced Letter of Award. The contract signed with Borders & Southern Petroleum plc is for a two well contract for exploration drilling offshore the Falkland Islands for a period of about 90 days, commencing in the fourth quarter of 2011, immediately after the completion of the current contract. The contract value is approximately $77m
Tidewater Signs Agreement Of Intent
Tidewater, Inc. has signed an agreement of intent to acquire six newbuild vessels from Hvide Marine Incorporated, for an aggregate price of $22 million. Closing, which is expected sometime during July 1999, is subject to customary due diligence matters, including executing a definitive agreement and satisfactory inspections of the vessels by Tidewater.
Ambassadors International Acquires merican West Cruises
Ambassadors International, Inc., announced that its wholly-owned subsidiary, Ambassadors Cruise Group, LLC has completed its acquisition of American West Steamboat Company LLC and related entities ("American West Cruises"), one of North America's premier river and coastal cruise companies. The signing of a definitive agreement was previously announced on December 27, 2005.
FastShip Signs With NASSCO For Construction Of Fleet
FastShip has signed a Memorandum of Understanding with National Steel and Shipbuilding Company (NASSCO), a subsidiary of General Dynamics, for the building of the first generation high-speed vessels comprised of the FastShip trans-Atlantic transportation fleet. Under the proposed agreement, NASSCO, designer and builder of new ships headquartered in San Diego, will construct four revolutionary vessels in the FastShip fleet
Genmar Sells Hatteras Yachts to Brunswick
Genmar Holdings, Inc. announces that it has signed a definitive agreement to sell Hatteras Yachts, Inc. to Brunswick Corporation for approximately $80 million in cash. The agreement contains provisions allowing for an additional payment of up to $20 million based on Hatteras achieving certain financial targets over the next 20 months. Consistent with its June 27, 2001announcement, Genmar's Board of Directors considered all appropriate alternatives with respect to Hatteras and concluded a
OMI to Be Acquired by Teekay and TORM
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Grandunion Signs LOI for Aries
Grandunion, Inc., a company controlled by Michael Zolotas and Nicholas Fistes, announced that it has entered into a letter of intent with Aries Maritime Transport Limited (NASDAQ:RAMS) that contemplates, among other things, the acquisition of three Capesize drybulk carriers with an approximate net asset value of $36m in exchange for 15,977,778 newly issued shares of Aries, and a change of control of the company's Board of Directors.
Genco Plans to Sign Time Charter
Genco Shipping & Trading Limited (NYSE:GNK) announced that it has reached an agreement to enter into a time charter for the Genco Vigour, a 1999-built Panamax vessel, with Global Maritime Investments Ltd. for approximately 10.5 to 13.5 months at a rate of $24,000 per day, less a 5% third-party brokerage commission. The time charter is expected to commence on or about January 8, 2010 following the expiration of the vessel's current time charter and is subject to the completion of definitive
Ocean Rig Announces Financing, Contract Developments
Ocean Rig UDW Inc., a global provider of offshore deepwater drilling services, has announced: $1.35 billion Bank Facility The Company announced that it has received firm commitments from lenders for a $1.35 billion syndicated secured term loan to partially finance the construction costs of the Ocean Rig Mylos, the Ocean Rig Skyros and the Ocean Rig Athena. This facility has a 5 year term, and approximately an 11 year repayment profile
Hecules Offshore Buy KS Energy Liftboat 'Titan 2'
Hercules Offshore executes a definitive agreement to acquire the liftboat 'Titan 2' from a subsidiary of KS Energy Ltd. The purchase price is $42 million in cash. The Titan 2 is a 280 foot class vessel, constructed in 2008, registered and flagged in Panama, and currently located in Limbe
Deepwater Driller Ocean Rig 2012 Financial Reports
Ocean Rig UDW Inc international contractor of offshore deepwater drilling services reports unaudited losses in Q4 & year-end 2912 financial results. Year Ended December 31, 2012 Financial Highlights For the year ended 2012, the Company reported a net loss of $132.3 million, or $1
CADC Publish Diver Delta P Guidelines
This guideline by the Canadian Association of Diving Contractors (CADC) provides a basic understanding of the forces and hazards associated with Delta P. The Canadian Association of Diving Contractors (CADC) recently published definitive guidance for divers working in differential pressure
China Development Bank Grants Paragon Credit Facility
Greece's Paragon Shipping Inc. obtains a $69-million credit facility with China Development Bank to partially finance its two 4,800 TEU containerships currently under construction. The two container ships on order are expected to be delivered in the second quarter of 2014
NOIA Supports House Alternative 5 Year Offshore Lease Plan
National Ocean Industries Association (NOIA) formally informs House Natural Resources Committee of its support of HR 6082 National Ocean Industries Association (NOIA) President Randall Luthi has sent the following letter to House Natural Resources Committee Chairman Doc Hastings in
CNOOC to Acquire Nexen Inc
CNOOC Limited (SEHK: 00883, NYSE: CEO) and Nexen Inc. (TSX: NXY, NYSE: NXY) announced today that they have entered into a definitive agreement under which CNOOC Limited will acquire all of the outstanding common shares of Nexen for $27.50 per share in cash.
OCENS Upgrades its 'WeatherNet' Weather on Demand Service
OCENS announces version 3 of its award-winning WeatherNet Weather-on-Demand service. The manufacturers explain that WeatherNet 3 transforms the product selection process by asking users for their general weather interests and then responding with definitive file suggestions for the given area of
Great Lakes Dredge & Dock Issues Major Vessel Contracts
Great Lakes Dredge & Dock Corp. contracts Signal International for construction of hopper barge & tugboat. Great Lakes Dredge & Dock Corporation the largest provider of dredging services in the United States and a major provider of commercial and industrial demolition and remediation
Keppel to Sign Golar LNG Conversion Contract
Keppel Shipyard enters into a term sheet agreement with Golar LNG regarding the conversion of three LNG vessels. Keppel Shipyard Ltd (Keppel Shipyard) has entered into a term sheet agreement with Golar LNG Ltd (Golar LNG), to work together on the conversion of up to three LNG vessels into
BAE Sytems Agrees to Acquire Marine Hydraulics Intl.
BAE Systems entered into a definitive agreement with American Maritime Holdings, Inc. to acquire Marine Hydraulics International, Inc. ("MHI"), a privately held company that operates a shipyard, pier and waterfront facilities in Norfolk, Va
Shipbuilding Recession? Megayacht Sector Booms
Large-sized superyacht orders show a huge increase according to a recent market report. If orders for superyachts are any indication of consumer confidence, statistics show a small but definitely measurable increase (3.9%) in global orders for yachts above 150 feet in length overall (LOA) and
Dubai Maritime City Development Gains Momentum
Dubai Maritime City infrastructure development speeds up as 35 percent companies agree to begin immediate plot development. Maritime World, the umbrella body constituting Dubai Maritime City (DMC) and other maritime entities, announce that the development of the Business District of Dubai
FPSO Arrives at Petrobas Offshore Brazil Site
Floating Production Storage & Offloading (FPSO) vessel 'Cidade de Itajaí' arrives at the Santos Basin. Petrobras announce the FPSO's arrival at its definitive location to be integrated to the Baúna and Piracaba field production system
Ocean Rig Announces Contract Signing
Ocean Rig UDW Inc., a global provider of offshore deepwater drilling services, has announced that it has signed definitive documentation, following the previously announced Letter of Intent, for one of its semi-submersible drilling rigs, the Eirik Raude, with an oil major.
Lugger Tug: Form, Function & Repeat Orders
Shaping a vessel's design and construction to the its function is the aim of most commercial boat building. Often, the demonstration of success is in how the boat does its job and makes money for the owner, and the definitive proof of good design and construction is defined by the


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Lowest Prices of the Summer - Plus FREE SHIPPING with $75 order!
Offer available online only. Gift cards not included. Items purchased from some categories are subject to shipping surcharges. Surcharges may apply due to size, weight or special handling required. If your item has a surcharge, it will appear on the product page. Offer valid for orders shipping within the 48 contiguous United States only and does not include 1-day or 2-day shipping and handling charges or previous orders.
Hi there mobile user,
Have you downloaded the Shopko app?
This adorable rattle has engaging features to keep baby focused, while the fun beads entertain, the bumpy surface gives baby a gripping texture for more fun at play!
prices & promotions may vary by store & online
your recent history


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Facebook to permanently delete 'deleted' photos, claims report
Whereas previously, deleted photos from users remained stored on Facebook's servers, now, according to the article, these photos will be deleted after a "reasonable amount of time."
According to Ars Technica, Facebook told the tech site that its "new photo storage systems are in place and are now deleting photos within a reasonable period of time"; as of the August 16 article, Ars was able to independently confirm these claims.
This report follows long debates between Facebook and its community of users over the social network's policy of removing deleted photos from its CDN (Content Delivery Network) and is one of many privacy concerns raised by users of the site over the past few years.
Facebook has yet to release a statement regarding the matter.
The full report from Ars can be read at: http://goo.gl/n2ds4


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12th September 2003 Archive
Browse by publication date, or search the site.
Sharp to ship 3D notebook
Wants to encourage content development
Sharp plans to release a notebook next month with a 15in display capable of showing stereoscopic 3D images. The 2.8GHz Pentium 4-based Mebius PC-RD3D release follows demand from content creators for a machine capable of displaying true 3D content rather than a 2D rendition of a 3D scene, the way almost all 3D imagery is handled …
Personal 12 Sep 2003, 08:59
Jury dismisses AMD religious prejudice claim
Plaintiff's career not harmed by 'I'm a Muslim' revelation
A US jury has sided with AMD against a former employee of the chip maker. The ex-staffer, Walid Maghribi, had alleged that obstacles were placed on his career path at the company after he admitted he was a Muslim - and not a Christian - to AMD chairman Jerry Sanders after the 11 September 2001 World Trade Centre attack. As …
Channel 12 Sep 2003, 09:20
Mobo makers ready Athlon 64 boards
Socket 754 and 940 parts coming soon
Gigabyte is preparing three motherboards to support AMD's upcoming Athlon 64, two based on Nvidia chipsets, the other on VIA technology. Details of Chaintech's Athlon 64 offering have also emerged. The VIA-based product, the GA-K8VNXP, uses the VIA K8T800 chipset and will support Socket 754 Athlon 64s. The board will support …
Personal 12 Sep 2003, 09:55
Hands-on: Nokia's N-Gage
Review Warts 'n' all
The road to being a platform holder in the games industry is never an easy one. Altogether too many times in the past, consumer electronics companies have entered this industry with plans of dominance, and then run off with their tail between their legs - Matsushita's M2 never saw the light of day, Philips' CD-I decks were an …
Mobile 12 Sep 2003, 10:35
Mobile phone rage rock Nigeria, the Turf
United we stand
Here's a curious one. What's the link between hacked off Nigerian consumers and mutinous jockeys from the UK? Give up? Okay, it's mobile phones. You see, Nigerian pressure group, The Consumer Rights Project, has called on punters to boycott their mobile phones on 19 September. They reckon running a mobile phone in Nigeria is …
Mobile 12 Sep 2003, 10:38
E-mail fraudsters target Barclays
Gone 'phishing'
Scam emails which attempts to fool Barclays Bank customers into handing over sensitive account information has been sent to thousands of Web users this week. The fake emails, which appear to have been spammed at users at random, purport to be part of a security check. Barclays customers receiving the emails are been encouraged …
Security 12 Sep 2003, 11:34
MPs to investigate 'Broadband Britain'
What is the state of the e-nation?
A group of MPs is to hold an inquiry into the state of "Broadband Britain". The Trade and Industry Committee, chaired by Labour MP Martin O'Neill, has set itself a broad remit for its investigation, which kicks off later in the autumn. Specific details are still sketchy, but among the issues to be discussed is the roll-out of …
Telecoms 12 Sep 2003, 11:39
SCO vs Linux – the arrows fly
Combat by open letter
Two open letters have been circulating in the email in respect of the dispute between SCO and the Open Source community, writes Robin Bloor of Bloor Research. They are worth printing in their entirety: The first is from Darl McBride of SCO The most controversial issue in the information technology industry today is the ongoing …
Software 12 Sep 2003, 11:45
Law seeks 'deposit' of web sites with UK libraries
'Hopeless mess'
For almost a century, publishers have been legally required to deposit books with the British Library. But a draft law will be debated in the House of Lords tomorrow that, perhaps bizarrely, seeks to extend this obligation to web site operators. Chris Mole, Labour MP for Ipswich, has laudable intentions for the Legal Deposit …
Music and Media 12 Sep 2003, 12:00
Beatles' label sues Apple – again
Three strikes and out?
It had to happen. The Beatles - or rather their record label - are once again suing Apple Computer, in the London High Court. As we've reported before, at the launch of the online iTunes Music Store, back in the early 1980s, Apple Corp. sued Apple Comp. for trading on its name. The case was settled out of court, with Apple Comp …
Mac Channel 12 Sep 2003, 12:08
Nokia handset supports DIY cover designs
Bring your own pics
Tired of spending 20 quid a time for phone covers? Well, Nokia has the answer: make your own. Its new handset, the 3200, provides room to insert your own pictures between the phone's innards and its transparent covers. Each handset will come with three cut-out designs - just snip them out and stick them underneath the covers. Or …
Mobile 12 Sep 2003, 13:22
Wi-Fi whistle blower faces criminal charges
Cracked a network to show how easy it was
A North Carolina man faces criminal charges after his attempt to expose the insecurity of his local medical facility's wireless network landed him in hot water with the authorities. Clayton Taylor Dillard, 29, an information security consultant, is accused of breaking into Wake Internal Medicine Consultants' computer system and …
Security 12 Sep 2003, 13:27
Oracle profits jump, new licence sales fall
Cash machine
The Oracle cash machine churned out a good first quarter, wringing an extra 28 per cent in net income to $440m on sales up just 2 per cent to $2.1bn, compared with last year's Q1. But the revenue bag was mixed with new software license sales falling seven per cent to $525m, while the post-sales business, software updates and …
Hardware 12 Sep 2003, 13:39
'I Married an Extropian' – reader
Letters DARPA's brains trust unravelled
Admiral Poindexter reappeared to defend the Pentagon's Terror Casino (PAM) this week. Our coverage provoked a few letters, and some corrections. Extropians aren't rich. A small footnote to history - the more famous of the two founders of Extropianism is from Britain; he is a friend of mine from university, and we tend to have a …
Letters 12 Sep 2003, 13:44
Telewest upgrades Birmingham
Someone has to...
Telewest is to bring broadband and digital TV services to punters in Birmingham, the cableco announced today. The upgrading of its existing analogue network in Birmingham is to begin next month and continue through to April next year. It will be done on a "street by street basis" with areas including Bourneville and Kings …
Telecoms 12 Sep 2003, 13:50
Show me the Terrorists
Letter Insurance Scam?
"As reported by Startups.co.uk, preparing for disasters is becoming increasingly important for small firms, who have had to deal with rising business vandalism and theft, various floods and the threat of terrorism over the past few years. " Disasters proving to be terminal for many small firms From Daren Nestor Now, I would …
Small Biz 12 Sep 2003, 14:17
Free IT training bonanza targets London SMEs
Grab it while you can
The London Development Agency and the European Social Fund have promised to cough up an undisclosed amount of funding to give free IT certification training to all London businesses with fewer than 250 employees. A representative of London Development Agency (LDA) - the Mayor's agency for business and jobs - told The Register …
Small Biz 12 Sep 2003, 14:23
Want 50Mb per second? Forget fibre
Ethernet To The Home
Think fibre to the home is the future? Think again. Finnish company Teleste, a European supplier of network kit for cable operators, has signed a co-operation agreement with the second biggest Dutch cable operator Essent Kabelcom to develop and deploy a fast IP-based data access technology called Ethernet to the Home (ETTH). …
Data Networking 12 Sep 2003, 14:45
WorldCom 'not guilty' on Oklahoma charges
The saga grinds on
MCI, WorldCom - call it what you will - has pleaded not guilty to 15 charges brought against it last month by Oklahoma Attorney General Drew Edmondson. Last month Oklahoma alleged the company and six named employees "executed a scheme to artificially inflate the value of WorldCom stock and bonds by intentionally falsifying …
Business 12 Sep 2003, 15:22
Linux on desktop not cost-effective for most, says Gartner
Next week: analysts do it in harmony...
The second of this week's 'Windows cheaper than Linux' studies comes from Gartner, which tells us that "Linux on the desktop is not a cost-effective alternative for most enterprises looking for savings." That, however, is what the accompanying press release says - the Gartner research Macnugget the release is publicising doesn't …
Software 12 Sep 2003, 15:27
TRAMS changes hands
TRAMS, the business computer dealership, has been sold to its management team for "easily a seven figure sum". Founders Hugo Kirby and Wendy Howland-Jackson are the leaving the company to make way for new co-owners and directors Warren Peel and Alex Page. The MBO team were advised by Kingswood Corporate Finance, which also …
Channel 12 Sep 2003, 15:47
Cabinet stalls on ID cards, Blunkett says he'll win anyway
And he's right - ignoring this one just feeds it
UK Home Secretary David Blunkett is pushing ahead with ID cards anyway, despite his failure to win the support of the cabinet, and despite having his plans spiked by Tony Blair in July. Reporting to the home affairs committee yesterday his faith both in the cards and in ultimate triumph ("I shall rely on me to persuade them in …
Music and Media 12 Sep 2003, 16:57
Streaming audio using water (and other radio hacks)
N5M And that Linux kernel broadcast in full
Filesharing by FM radio, and the viability of Wi-Fi for streaming broadcasts were hot topics on the first day of the Next 5 Minutes Festival of Tactical Media in Amsterdam. N5M brings together hundreds of artists, activists and critics from around the globe and it's knowingly over-programmed. Frustratingly so: the sheer …
Music and Media 12 Sep 2003, 17:46


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Child Vaccinations Explained
196Ideally, kids should have their jabs at the right age to protect them as early as possible and minimise the risk of infection.
Find out here which jabs your child needs, when they need them, and what the benefits of each jab are. One of the most important things that a parent can do for their child is to make sure that they have all their routine childhood vaccinations. It's the most effective way of keeping them protected against infectious diseases.
The vaccines for kids
All about the childhood vaccines that your child should get:
Routine vaccinations:
DTaP/IPV/Hib or 5-in-1 vaccine
Meningitis C
Hib/Men C
Pre-school booster
If you're not sure whether you or your child have had all your vaccinations, ask your practice nurse.
The checklist above is set out to give children the best chance of developing immunity against common diseases safely and effectively, and doing it early enough to minimise their risk of catching these diseases


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Invite a friend
HelpHOPELive Reunion Jam
41 W Blackwell St, Dover, NJ | Get Directions »
Do some good and enjoy good vibes at the 2012 Help HOPE Live Jam featuring the reunion of the legendary New Riders of the Purple Sage.
Also appearing: the Devon Allman Band, Bears Choice and the John Ginty Band
The event benefits the emergency grant program of HelpHOPELive, the National Transplant Assistance Fund Inc., which gives fundraising help to transplant and catastrophic injury patients.
Where: The Baker Theater, 41 Blackwell St. Dover, NJ 07801
When: Friday, Dec. 28, 6 p.m.-midnight
For info call Ray Williams at 973-349-8426.
Tickets are $45 for general admission and $60 for reserved seating. To purchase, go to the website.
Event Details
Where | 41 W Blackwell St, Dover, NJ 07801 (The Baker Theater) |
Next on | This event is over. |
Time | 6:00 pm–12:00 am |
Website | http://www.eventbee.com/v/HelpHOPELivejam2012 |
Phone | Ray Williams at 973-349-8426 |
Price | $45 general admission; $60 reserved seating |
Tickets | Buy Tickets |


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Most people are aware that "Vapour rub"or "gelled menthol" is a very popular topical over the counter medicine that is used to treat mild breathing ailments. However, most people do not know that this product has several more practical every day uses as well.
In fact, menthol can be used for a variety of different things including; healing insect bites and helping horses to focus. Yes it is true, before a race, riders often help the horse to focus by placing a tiny amount of it under the horse's nostril. Menthol has a strong scent that hides the odour of other horses and keeps the horse's mind on the race and not on the foxy beauty next to it. That is quite an interesting fact, don't you agree? Menthol has also been known to open sinus cavities and help people to breathe more easily. This is what it is most commonly used for.
Source: Uploaded by user via CareGifting Get Well Gifts on Pinterest
Growing up, I was a sickly child. Mum always had menthol lying around the house, because it was literally the only way I could breathe. She would place a spoonful of it near a steam humidifier and this helped considerably. If it were not for the many nights I spent with an open bottle of menthol in my room, I probably would not have survived my childhood. I can still remember her saying its perfectly fine to drink it, so long as you only use a little bit and you dilute it in water. This always made me feel uneasy since I knew that I had also taken a hot bath with the very same stuff, the night before. Mum was always coming up with new uses for it, however, mum's remedies were always the best.
What I know now, that I did not know then, was that mum did not invent these remedies, she just knew what ever other mum did, that there was a whole lot more to menthol than meets the eye.
Source: Uploaded by user via CareGifting Get Well Gifts on Pinterest
Here are some examples of what you can do with Menthol.
- Applying it to your feet provides night-time cough relief. Generously rub menthol all over your feet and cover your feet with socks, your cough will eventually subside because the heat from your socks will create vapours.
- Rubbing it on your chest allows you to breath more easily if you have sinus problems.
- Menthol not only opens your chest, it also helps to relieve sore aching muscles.
- If you suspect that you have nail fungus, rub it on your toenails, it will turn the nail black and eventually kill the fungus. As your toenail begins to grow, it will grow off and you will have fungus-free feet, if you continue this regiment.
- Cats and dogs do not like the smell of menthol, if you put it on places that you want to deter your pets from scratching or peeing on, this will help.
- Other known medical uses for menthol include, helping to remove splinters, easing headaches, healing minor cuts, burns and infections and it aids in preventing insect bites.
- Insects also dislike the smell and it is a natural insect repellent.
Epsom Salt Foot Rub:
While menthol is not a wonder drug, it can offer mild relief to someone suffering from colds, flu and other minor aches and pains. Menthol makes the perfect starting gift for a home-made get well gift basket. It is very expensive, therefore, if you want to make more than one basket, you may want to create smaller fancy decorative jars and place some of it into the jar instead.
Make the jars and gift basket complete with personalized printable labels from Boutique Printables. Printable labels like these add the perfect touch to any gift basket. You can simply modify them to say "Get Well."
If you want to make the basket even better, add jars or bags of Epsom Salts. Epsom salts go a long way to providing some of the same relief as menthol and can be used alongside it. There are a great deal of uses for Epsom Salts as well, but that is a story for another day.
Here are some other things you can add to a get well basket to make it perfect:
- Fruits and juice
- Vitamins
- Chicken Soup
- Over the counter pain reliever and cough medicine
- Lemon and Honey
- Special Teas
- Cough Drops
- Thermometer
- Mineral Water
- Books and Magazines
- Slippers and blankets
Nothing says love more than a remedy from mum and a personalized "Home Made Get well gift basket."


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- December 4, 2012
- 9:52 a.m.
- Suggest removal
- Reply to this post
MorganHill2 writes:
in response to Sanfu:
It's too bad that DesJarlais picked the wrong political party. He would have made the perfect Democrat.
Ah yes perhaps he would and I am not going to deny that. The point here, however is he is NOT a Democrat, he is a Republican and it is about time you Republicans got down off your sanctimonious high horses and admitted that there is scum in your perfect world as well.
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Letters of Marcus Tullius Cicero: with his Treatises on Friendship and Old Age, trans. E.S. Shuckburgh. And Letters of Gaius Plinius Caecilius Secundus, trans. William Melmoth, revised by F.C.T. Bosanquet (New York: P.F. Collier, 1909).
Liberty Fund, Inc. is a private, educational foundation established to encourage the study of the ideal of a society of free and responsible individuals.
The text is in the public domain.
This material is put online to further the educational goals of Liberty Fund, Inc. Unless otherwise stated in the Copyright Information section above, this material may be used freely for educational and academic purposes. It may not be used in any way for profit.
You might well be doubtful, my dearest Secundus, what reply to give to the censors, who consulted you concerning their right to elect into the senate foreign citizens, though of the same province. The authority of the law on one side, and long custom prevailing against it on the other, might justly occasion you to hesitate. The proper mean to observe in this case will be to make no change in what is past, but to allow those senators who are already elected, though contrary to law, to keep their seats, to whatever city they may belong; in all future elections, however, to pursue the directions of the Pompeian law: for to give it a retrospective operation would necessarily introduce great confusion.


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In this section you will find information about Fagor mentioned in the press. This includes newspaper, magazine, TV and online articles from both trade and consumer publications as well as television features sorted in chronological order.
To contact our Communications Manager directly, please call Khristina M. Westbrook at 201.549.8262 or via email at firstname.lastname@example.com.
Environmental Nutrition - March Rapida Pressure Cooker at Environmental Nutrition |
NorthJersery.com - March No Cause for Concern With Modern-Day Pressure Cookers |
New Living - February Chef Pressure Cooker at New Living |
Cuisin at Home - February Duo at Cuisine at Home |
Wall Street Journal - January Fagor Chef Pressure Cooker at WSJ |
Cook's Illustrated - January Duo and Futuro Pressure Cookers at Cook's Illustrated |
Custom Home - February Bonita Grey Induction Cooktop on Custom Home |
Kitchen & Bath Design News - February Bonita Grey Induction Cooktop on KBDN |
Everyday Food - August Rapid Express at Everyday Food |
Food & Wine - June Fagor Chef at Food and Wine 2012 Cookbook |
Indulge - May Michelle B Paring Knives on Indulge |
TrulyNet - April PIC on TrulyNet |
Daily Herald - March Duo on Daily Herald |
It's Overflowing - March Splendid on It's Overflowing |
K+BB - November Side by Side Refrigerator at Kitchen and Bath Business |
Interior Design - October Integrated Fridge on Interior Design |
Texas Home & Living - October Integrated Fridge on Texas Home & Living |
Home World - July Fagor Slow Juicer at Home World |
Appliancist - July 24-inch Integrated Refrigerator at Appliancist |
House Beautiful - July Torre Refrigerator on House Beautiful |
HFN - June Fagor Slow Juicer on HFN |
BuilderOnline.com - June Torre Refrigerator at BuilderOnline.com |
K+BB - June Fagor Torre Refrigerator at Kitchen and Bath Business |
10Rate - May Fagor Ovens on 10rate.com |
Kitchen & Bath - January side-opening ovens on KBDN |


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Disability Resource Center
About the DRC
The Mission of the Disability Resource Center (DRC) is to foster student inclusion into the Salt Lake Community College through processes which are accurate and understandable and which support the personal, educational and social growth of students with respect, optimism and caring. This is accomplished by:- Providing reasonable and appropriate and timely accommodations with the goal of insuring equal opportunity and access as required under the ADA.
- Supporting the Polices & Procedures and maintaining the academic standards of the College.
- Establishing ongoing partnerships with the student, administration, faculty and staff through a framework of mutual understanding and respect.
- Providing educational information and assistance to constituent groups and consumers.
Proper documentation of a disability establishing a physical or mental impairment which limits a major life activity as defined by the Americans with Disabilities Act (ADA) is required in order to receive services or accommodations. All authorizations for services must be reasonable in nature and are individually determined by a qualified advisor.
Reasonable accommodations are based on an evaluation of the specific requests of the student, an evaluation of individual needs, a review of previous accommodations, the recommendations of outside professionals, course requirements, specific classroom situations, and instructor input.
In order to receive accommodation under ADA, a student must apply for services through the DRC.
Contact DRC
Student Center Room 244
Phone: 801- 957-4659
Fax: 801- 957-4947
Email: firstname.lastname@example.com
South City Campus, W138
Phone/TTY: 801- 957-3258
Fax: 801- 957-3398


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Hi, I will be moving to Dublin for work in September 2013. Likely to be there for at least 2 years. My office will be located at Earlsfort Terrace, Dublin 2. Any good suggestions for reasonable accommodation with easy access to public transport and amenities like supermarkets, nightlife, etc? Safety of course is very much a priority also. Much appreciated!
We are also booking a bed-and-breakfast with hired car trip in July for 10 days. That means two Friday nights! We'd like to see the Causeway and visit family homesteads in Leitrim and Ballinskellings. Not sure how many Gathering events are go on during the week so thought we'd head to the Causeway in the beginning of the week. Any suggestions or are we trying to cover too much? Thanks
I have read the forums on travel in and around Dublin, as well as gone to the individual websites to try to get a grasp of the best in public transport options. I have to say that I am so overwhelmed so perhaps I can obtain suggestions on the best option based on my travel. Will be arriving in Dublin on Sept. 14th and staying one week. I don't 'do' rental car, am travelling alone, staying in Parnell Square area, would like to make a day trip to Belfast, North Ireland(bus or train?), and side trips to Howth and perhaps a few other places. my hotel is across a hop on,hop off stop so figured I would purchase a ticket on day of arrival to get a feel for the different areas. Since I am going to be relying on public transport for the week, what would be the most convenient option? I am not so much concerned with the least expensive option but would rather be able to have several options available where I am not purchasing a separate ticket for this trip, that transfer, etc. Is there a ticket that allows u to have the choice of bus, local tram, etc. all in one price? (such as the oyster card in London).
sorry if these appears to be quite a simpleton question but I just can't figure out the difference in all the options and I have read them ad nauseum.
thank you in advance.
Anyone tried using workaways service? Would like to know if it's good as I'm keen on volunteering in Ireland from July. Thanks!
Hi, I will be moving to Dublin for work in September 2013. Likely to be there for at least 2 years. My office will be located at Earlsfort Terrace, Dublin 2. Any good suggestions for reasonable accommodation with easy access to public transport and amenities like supermarkets, nightlife, etc? Much appreciated!
We are shortly to travel to Dublin and will arrive in the centre soon after 9.00am. The hotel doesn't allow check-in until 3pm and has no facilities for leaving luggage. Anyone know anywhere in the Grafton Street area where luggage can be left for a few hours at reasonable cost?
I will be in Dublin in Sept. and one of my favorite past times is shopping for all things tea and coffee. Can any tea and coffee connoisseurs point me into the right direction to find lovely and charming tea shops-u know the kind...the big jars or boxes of loose teas on the shelves where you can sniff and ask all kinds of questions to find the ones that suit your tastes. teas and coffees are one of my favorite things to bring back from any trip to sip and enjoy long after the trip is over. I do find 'yelp dublin' helpful with reviews, etc. One place I am interested in is Palais de Thes located on Wicklow street. I know it is a French co. that has shops in other cities worldwide. Interested in opinions on great places to sip a cuppa perhaps not so touristy such as Bewley's.
thank you in advance
Please can anyone advise the best car hire value in the Lake Garda area
Hello! I am excited for my next vacation - leaving on May 23rd for Ireland. We will be there for 11 days -we are taking the "Best of Ireland" which is an organized Tour. that is a first for me! But I am looking for packing suggestions. I checked the extended weather forecast and it looks like it is cold (considering i am from Florida :> ) What type of coats are used at this time of the year-- is it like a trench coat, sweater, a heavier coat..? Any suggestions about packing is greatly appreciated! Thank you!
Which two cities out of the five listed below are not to be missed.
Waterford, Cork, Kilarney, Limerick, Galway
Now that I have decided to visit Belfast, Dublin and will end up in Shannon, I am looking for some places where tourists will be far and few between. I have looked at Cork, Killarney, Galway and these places seem to be nothing but tourist oriented. I would like to find some small towns/cities/villages where I can spend a couple of days and hopefully not see tourists over running the area.
Hello everyone! I'm trying to make my way to Dingle in the best time possible. My plane doesn't arrive in Dublin until 13:20, so I know that I'm missing any plane I might catch to Kerry Airport, but is there any way to fly to Cork airport from Dublin and then take a bus (or train) to Dingle/Tralee? Or if not, is a bus or train faster when leaving from Dublin airport? I realize neither of those options are as fast as a plane--but I DO want to get there sooner rather than later. Thank you so much for anyone taking the time to answer this, I appreciate it a lot!
it's winter time in Youghal - any way to find out if the clock tower is open as a museum anytime ?? if so - url or local place to enquire would be fine. thnaks!
I am organising a hen night and thinking about youghal in July ? what is the walter raleigh hotel like and what are the pubs and clubs like in july ???
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Why I dread going to the Apple Store
Posted 25 January 2013 - 07:30 AM
Posted 25 January 2013 - 07:44 AM
Posted 25 January 2013 - 07:48 AM
Posted 25 January 2013 - 07:52 AM
Posted 25 January 2013 - 07:53 AM
Posted 25 January 2013 - 07:55 AM
Posted 25 January 2013 - 07:55 AM
But I hate going to the Apple store, its always so crowded and takes forever to get someone to help you and check out.
Posted 25 January 2013 - 08:09 AM
(That's actually kind of sad now that I type it out. Fortunately my palms haven't itched for new Mac product in a while.)
Posted 25 January 2013 - 08:19 AM
Posted 25 January 2013 - 08:20 AM
Posted 25 January 2013 - 08:21 AM
Posted 25 January 2013 - 08:23 AM
I don't have a problem driving 35 miles to that Best Buy if I'm planning a Mac or Mac accessory purchase. It's still much closer than driving nearly 100 miles to the closest Apple store.
There is a small problem with this particular Best Buy, though. It almost sounds a little like that CompUSA you talk about, except it's not buried back in the corner with dim lighting. It does have, however, a shameful display of Macs. They're dirty. They look like they've been on display for years without a cleaning. I've left comments for Best Buy, but I doubt anyone actually reads them.
I know it's a store in a college town (PSU) probably staffed with college kids, but come on. Most of them are there (PSU) to learn, so teach them how to keep display models clean.
I made a trip to a much larger Best Buy outside of Pittsburgh to buy my Time Capsule, and I was very impressed with their Mac displays. They were clean (!) and they had plenty of them. I would guess the display space dedicated to Apple products is pushing the size of some small Apple stores. If I were to get back into retail, that would be the store to give me the incentive (working with the Apple products, of course). Too bad it's 90 miles away from home.
If Apple doesn't open a store closer to here, hopefully we'll see a Store-within-a-store relatively close by. We do have a fairly large Target...
Posted 25 January 2013 - 08:24 AM
1. Hire more staff at the busiest Apple stores.
2. Imposing time limits are what the old generations used to do. Time's change, and Apple got it right. Let them play all they want. They know their craps work - for more than 30 minutes and not have to worry about rebooting.
3. They did add alternate ways of purchasing your product. Like you said, there's an app for that!
You dread coming to the Apple store? Don't go. Maybe if there are more people like you then it wouldn't be as crowded anymore. I'd say good riddance!


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Winter season has ended and we went out with a bang.
We had our 50th Anniversary Bash and Rail Competition
Join the LVAS for an evening under the stars and out of the Las Vegas heat up at Las Vegas Ski and Snowboard Resort in Lee Canyon. Location is the main patio of the lodge located at the end of Hwy 156. Come see Saturn and the Wonders of the Summer Milky Way. Event begins at 8:30 and a laser-guided tour of the night sky begins at 9:30. Visit their website for more information http://www.lvastronomy.com/


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69 Jay St., Brooklyn, NY, 11201
nr. Front St.
By sweetlucie on 6/9/2011
I went to several shops before going to The White Gown because I just didn't yet feel secure with my choice. The White Gown was in the neighborhood of my office, so I thought I should check it out as a final stop. Of all shops I visited, I had the greatest experience here and bought my dress here. I cannot say enough good things about this shop. The atmosphere when you walk in is very warm and welcoming. My consultant was Erica and she worked with my budget, which was not huge, and helped me find a fabulous dress. She was extremely professional and did not pressure me to purchase. She showed me what I asked to see and a few different options, and I ended up with something that was a little different and felt exactly like me. Siobhan, the seamstress, was wonderful also and added a sweetheart neckline to the dress in addition to the bustle. She is very talented--she made the sweetheart look like it had been on the dress originally--and she even spent time with one of my bridesmaids at my last fitting showing her how to lace my dress. I married out of state, and the shop even held my dress for me until I left for the wedding. I think what I liked the best was that everyone was respectful of me and the process of selecting a dress, which can feel so overwhelming. I didn't feel like a dollar sign. Every step of my experience there was positive, and I highly recommend the shop.
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By ricemaven2b on 9/16/2009
I checked out at least 6 other places for my wedding gown (most of them being in Manhattan) and I made an appt to the White Gown - just to check it out, just in case. I am SOOO glad that I took that long trip to Brooklyn to see the dresses. The service was absolutely delightful - Erica, my consultant, was just so helpful. She really made me feel like she was there to help me to pick out THE DRESS within my budget -w/o any pressure, not just to sell me a dress. The selection was huge and I bought the dress that night. They give you 10% off if you buy the dress during your 1st visit. Siobhan (seamstress) has been so helpful and did an excellent job on the alteration. I would definitely recommend this place to any girl who wants to shop for that perfect dress w/o feeling like you are just a name or a # on the waiting list!
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These scrumptious sunflower seeds can be eaten raw or cooked, and they are a good source of potassium and phosphorous.
Sunflower seeds are a natural ingredient for salads and cereals, or just to snack on.
Our jumbo flame raisins are plump, moist, and delicious. Flame raisins are famous for their sweetness, so they're a yummy, healthy snack. They're perfect for baking, too!
Mini raisins are the perfect snack. Great for cooking and baking too!
Deliciously sweet dried grapes. Raisins are high in iron. Excellent for snacks. Even the kids love them. Great for baking as well.
These plump raisins are giant, about two to three times the size of a regular raisin!
All natural, peerless, grade A almonds, high in protein, calcium and zinc. These almonds are pasteurized.
These fresh and crunchy sunflower seed kernels are certified by CCOF. They contain no additives or preservatives and are grown without pesticides.
English Walnuts are grown primarily in California and Oregon. This delicious nut is the most popular nut in the shell.
Harvested at just the right time, these Jumbo Hazelnuts from Oregon are quite tasty. Loaded with nutrition filberts can be eaten whole, ground, flaked or made into butter or oil.
These Jumbo Golden Raisins are out of this world. They are huge, almost as big as a grape itself, and with double the deliciousness of ordinary golden raisins.
This delicious combination of mixed nuts is a perfect assortment for the nut lover! Walnuts, Almonds, Filberts, Pecans, and Brazils will give you plenty to sample.
These plump and delicious organic raisins are certified by CCOF. They contain no preservatives.
A delicious date containing no pits. Ideal for baking and great just to pop in your mouth.
These raw snow white pumpkin seeds are ideal for those looking to roast their own at home. These also make a great snack for birds.
Jumbo golden flame raisins
All natural dried organic shredded coconut with nothing added. Perfect for baking, cooking, granola, or anything that requires coconut.
All natural dried organic coconut chips with nothing added. Perfect for baking, cooking, granola, or anything that requires coconut.
Some of the largest and best tasting sunflower seeds in the world come from Israel. These certainly are large and delicious! They make a great snack.
Pepitas are great in salads or just for snacking. No need to worry about what to do with the shells because there aren't any!
Brazil Nuts, imported from South America. This is a very nutritious nut with a very hard shell.
A deliciously sweet and fun to crack Stuart pecan.
Organic pitted dates are an all natural dried fruit. Deliciously sweet and great for snacking or baking.
All natural and organic sultana (golden) raisins. Grown without chemicals or pesticides, these sultana raisins are absolutely delicious. Great as a snack, in cereal, or used in baked goods.
Crunchy and sweet all natural organic Fuji apple chips. These are air dried with no additives. An unbelievably sweet and delicious taste. An awesome snack.
All natural organic jumbo plums (prunes) with the pit. Grown without pesticides or chemicals. A nutritious and delicious fruit.
All natural organic plums without the pit. A real treat without any preservatives. These are also called organic pitted prunes.
Directly from Georgia, these Sumner Paper Shell Pecans are a much smaller and narrower pecan compared to the hard shelled Stuart. They are very sweet and in a thinner shell compared to the hard shell.
All natural, raw almonds, supreme size, high in protein, calcium and zinc.
Delicious and moist Jumbo Medjool Dates are one of our crown jewels at Nuts.com. Plump, moist, and luscious, medjool dates are simply divine.
All natural organic dried honeydew melon (Golden Kavun variety) is loaded with sweet flavor. Contains no additives or preservatives.
These baby organic pecans in the shell are delicious! Be careful though, as they are difficult to crack. Once you break through the hard shell, you will be rewarded with some deliciously sweet baby organic pecans. These organic pecans contain no additives or preservatives and are grown without pesticides.
Natural hazelnuts (filberts) are high in protein and low in fat.
These raw cashew pieces are perfect for cooking, baking, or mixing into your favorite recipes. Great for snacking also.
These raw chopped hazelnuts make the perfect topping for ice cream. Try coating your next meat or fish dish for a deliciously nutty crunch.
You asked for em, we got em! Macadamia nuts in the shell...a serious rare treat! Best suited for tropical birds like Macaws. They do taste delicious and can be eaten by people, but beware. Regular nut crackers will not open macadamia nuts in the shell!
These delicious organic apple rings are certified by CCOF. They contain no additives or preservatives.
Large and moist organic medjool dates are a real treat. These truly are exceptionally delicious. These are certified by CCOF.
A very common ingredient found in many baking items. These walnut halves and pieces are mainly grown in California and Oregon.
Apricot kernels are the small seed found inside the pit of an apricot. They resemble almonds and have a mild and slightly sweet taste. These organic raw sweet apricot kernels come from wild harvested apricots grown without pesticides or chemicals. Apricot kernels contain healthy B1, B17, and B15 vitamins and natural enzymes. They're tasty as a snack, or in amaretti cookies and biscotti!
Another naturally healthy nut, Brazil Nuts are high in protein, calcium, iron, zinc, and are one of the best natural dietary sources of selenium.
Raw mixed nuts make an extremely healthy and delicious snack. You'll get raw cashews, raw almonds, raw brazil nuts, raw filberts, and raw pecans.
Raw pine nuts in the shell are perfect for birds. While these are human grade and can be roasted, please realize that these have an extremely hard and thick shell that is very difficult to crack. We do not necessarily recommend these for human consumption.***Note: These are not Pinon Nuts (Indian Nuts).***
Raw pistachios (in shell) are great as a snack! They are really good for birds too!
Delicious and fresh English walnut pieces. Perfect for baking, cooking, or as toppings.
Are you looking for THE mix? Something packed with antioxidants, energy, and taste? We have the perfect and best tasting Antioxidant Mix you can get. Loaded with natural goji berries, organic cacao nibs, natural goldenberries, natural mulberries, and natural brazil nuts. Crunchy, sweet, and oh so delicious.
Mango like mother nature intended, I have been known to eat a whole bag of our organic mango in one sitting. I am not kidding. These are amazing. Make that AMAZING!
English walnut halves are beautiful and delicious. This is the nicest walnut on the market.
Delicious organic all natural dried angelino plums. Grown and dried without any preservatives, chemicals, or additives.
All natural organic raw cashew pieces. Perfect for baking, trail mixes, toppings or just snacking on. Grown without pesticides or chemicals.
Showing 1-50 of 85
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Financial planners are moving into a role of being a trusted fiduciary who will help you to make informed decisions and to get what you expect out of financial products, the annual convention of the Financial Planning Institute (FPI) heard this week.
A fiduciary is someone who prudently takes care of money for another person.
The convention also heard that the days of financial planners earning commission for their services are nearing an end and you will have to pay a fee for the professional services your adviser performs.
In addition, the convention heard that advisers should be playing the role of your financial coach rather than attempting to select the best performing fund manager for you.
Financial planners who attain one of the highest qualifications an adviser can achieve, namely the Certified Financial Planner qualification, belong to the FPI and subscribe to its code of ethics.
Gerhardt Meyer, a member of the international Financial Planning Standards Board Regulatory Advisory Panel and the executive head of strategy at financial planning company acsis, told the convention that, based on discussion documents released by National Treasury and regulation that has been introduced in other countries, he expects South Africa will ban brokers and advisers from earning commission on investment products sold to you if you are in the middle- to upper-income bands.
Instead you will have to remunerate your financial adviser for his or her services by paying a professional fee.
Meyer says Treasury is aware that it will not be easy or even possible to scrap commission earned on financial products sold to low-income earners because they do not have the means to pay the fees.
Large upfront commissions on risk products will definitely be banned too in due course, Meyer says.
Phil Billingham is director of the Institute of Financial Planning in the United Kingdom, a member of the international Financial Planning Standards Board's Regulatory Advisory Panel, and an expert in the Treating Customers Fairly (TCF) legislation that was implemented in the UK. TCF legislation, which will oblige financial product providers, intermediaries and advisers to threat you fairly, is also due to be implemented in South Africa.
Billingham says that to comply with TCF legislation in the UK, biases in remuneration paid to advisers have had to be removed and standard commission has been introduced on all products.
Around the world commission is seen a barrier to fairness, and regulators are taking action, Billingham says.
He says the commission system generates distrust, even when advisers feel they have disclosed to you what they will fully earn.
Consumers do not understand why advisers still win by earning commission when their investments fall.
In the UK, financial advisers have moved to charging fees and informing clients that they should rather pay fees because their financial advisers' services are worth it, he says.
Financial advisers are increasingly separating the services they offer – the design of a financial plan, the implementation of a financial plan, and the regular review of a financial plan, he says.
In addition, Billingham says, financial advisers are increasingly classifying their clients and offering the clear indications of services each kind of client will be offered in accordance with the fees they can afford to pay.
Meyer says while some countries have tried to legislate what a financial planner is and to distinguish these professionals from brokers and other intermediaries, he believes professional financial planners will continue to be identified by the value they offer and the higher standards to which they voluntarily subscribe.
Meyer says he does not think South Africa will get involved in "the silly debate" about whether an adviser is independent or not, because while it may be possible to determine which advisers are not linked to a product provider, it may not be possible to define how many products an adviser must provide to qualify as independent.
Meyer says financial advisers who belong to the FPI need to show regulators that they have principles and voluntarily adhere to high standards.
Billingham says TCF will have six outcomes that will affect the way in which your adviser relates to you:
1. It will ensure that you can be confident you are dealing with a company where TCF is central to the corporate culture.
2. It will ensure that products are designed to meet the needs of a specified group of consumers and are targeted at that group. Your financial adviser will be able to advise you when a product has been designed to meet needs other than your own and to steer you to the correct products.
3. It will ensure that product providers give you clear information about their financial products and keep you appropriately informed before, during and after the sale of a product.
4. It will ensure that product providers and your financial adviser give you suitable advice that fits your circumstances. Billingham cites a case of a product that did not suit the investors to which it was sold: Barclays in the UK sold a share investment to investors who could not afford huge losses but who subsequently lost 40 percent of their investments.
5. TCF legislation will ensure that you will have to be provided with products that perform as you have been led to expect them to.
6. TCF should ensure that you do not face any barriers when you want to change a product, switch providers, submit a claim or lay a complaint.
Billingham says the reason TCF was adopted in the UK was because existing legislation had resulted in some financial services providers complying with the law but nevertheless providing some "shocking" advice. In addition, he says, regulators realised that many consumers were being treated unfairly but not complaining and too many complaints were going to the ombud for financial services and being upheld.
The days of selling consumers financial products with the "buyer beware" warning are over, Billingham says, because it is up to your adviser to make sure the products are suitable.
But your adviser should also not be patronising by not explaining anything to you. Rather, he or she should see the world through your eyes and work with you to choose suitable products and services that are designed to be fair to you.
In this way the adviser becomes your trusted fiduciary, looking after your best interests.
Advisers will have to sharpen up the checks (due diligence) they do on products, not only to justify a sale but to ensure that they do not recommend to you any toxic products that end up harming your financial well-being, Billingham says.
What your adviser rejects as unsuitable for you will in the end determine the quality of the products recommended to you.
More attention must be paid to investment costs
Financial advisers will in future have to pay more attention to the cost of financial products, particularly investments, they recommend to you, the annual convention of the Financial Planning Institute (FPI) heard this week.
When the proposed Treating Customers Fairly (TCF) legislation is introduced, advisers will have to take much greater account of the costs of any products they recommend to you because costs degrade returns and many costs are not transparent and not fully disclosed, Phil Billingham, an expert in the TCF legislation that was implemented in the UK, says.
Billingham also says financial advisers are underpaid, and product providers will have to give up some of the costs they earn to ensure that advisers, as the ones who take all the risk, are properly remunerated.
Gerhardt Meyer, a member of the international Financial Planning Standards Board Regulatory Advisory Panel and the head of strategy at acsis, says under the proposed TCF legislation, advisers will have to consider whether it is fair to charge fees based on your assets under management rather than have set fees for a service or for the hours of work involved.
Anne Cabot-Alletzhauser, head of the Alexander Forbes Research Institute, says if you are investing for the long term, costs do matter.
Candice Paine, the head of retail at Sanlam Investment Management, says it is now possible to bring down the costs of investment by using smart beta products. These investments do not slavishly track an index based on the weighting of shares in the market, but rather reconstruct indices so that they deliver returns that are uncorrelated with the market and suffer less of the obvious pitfalls of the market-cap-weighted indices.
Gavin Wood, the chief investment officer of Kagiso Asset Management, says that to beat inflation you must be exposed to equities, and while the average fund manager does not outperform its benchmark after fees, there are a number of fund managers that consistently outperform their benchmarks. These managers, he says, are typically those who invest by making use of the valuations of shares or other assets.
The valuation of a share is its price relative to its expected earnings.
Wood says fund managers who consistently provide good performance above the benchmark and in excess of their fees are those who buy and hold shares when prices are low and who sell or avoid shares when their valuations are high.
Wood says a good financial planner should allow your fund manager to do this and not get fearful or let you get fearful and leave the market when it is performing badly. This is the time a valuation-based fund manager with conviction needs to be buying shares, he says.
Wood says many exchange traded funds that track indices based on market capitalisation do exactly the opposite of a valuation-based fund manager and buy into shares when the prices are high and sell when they are low.
This is because a share's price affects its market capitalisation and hence its weighting in an index based on market capitalisation.
Passive investments that track indices based on the market capitalisation of shares or other securities can therefore be dangerous, he says.
Wood also says that the days of high fixed fees for asset management are over because the low-inflation environment in which returns will be lower will expose these high fees.
Well-structured performance fees are a way to ensure a fund manager is rewarded only for out-performing a benchmark, Wood says.
Warren Ingram, an independent financial planner and the 2011 Financial Planner of the Year, says he has negotiated with product providers to get investments for his clients at very low fees, ranging from 0.5 percent to 0.75 percent a year.
He charges professional fees for his services that amount to more than the product providers earn, he says, but these fees are transparent and are deducted from clients' investments on a monthly basis.
Ingram says his fees are based on the work involved in servicing you and are capped and not based on assets under management.
Don't see your financial adviser as an investment guru
You should not regard your financial adviser as a person who can pick the best fund manager for you but rather someone who can coach you to achieve your investment goals, the Financial Planning Institute's conference heard this week.
Anne Cabot-Alletzhauser, who heads the Alexander Forbes Research Institute after many years in the asset management industry, says the problem with identifying skillful managers is that there is absolutely no basis for knowing whether their specific skills will be rewarded by the market in the future.
She says financial advisers wrongly believe they can be good investors for you, but their biggest service should be being your financial coach.
Cabot-Alletzhauser says in South Africa there is a cult following active fund management.
But one day one manager is the top performer and the next day another manager is the top performer, and typically advisers and investors focus on very short performance track records, she says.
You may wait 10 years to establish that a fund manager is a consistently good performer only to find that it has grown so big that it is no longer able to produce top performance, she says.
Rather than trying to choose the top performing fund manager for you, your financial adviser should keep you invested, help you handle your debts and advise you when to put the foot on the spending pedal and when to take it off, she says.
Cabot-Alletzhauser says investing is easy because it is about managing risk at a reasonable fee, about getting your asset allocation right and staying in for the long term.
Warren Ingram, an independent financial planner and winner of last year's Financial Planner of the Year award, told the conference that a professional financial adviser can add value for you by helping you to stick to your long-term goals,
Getting you to invest and stay invested is the heart and soul of financial planning, Ingram says.
What a great financial planner does, he says, is help you to be comfortable with your investment decisions, to not get stressed and to save you from making bad decisions.
Gerhardt Meyer, a member of the international Financial Planning Standards Board Regulatory Advisory Panel and the head of strategy at financial planning company acsis, says advisers will in future have to offer you a value proposition that is not simplistically related to investment returns only, but is related to understanding and meeting your financial needs holistically.
Phil Billingham, an expert in the Treating Customers Fairly legislation that was implemented in the UK, says that when it comes to treating you fairly, advisers should not promise you that you will never lose money on your investment or that you will always be ahead of the market.
Instead, an adviser should be regarded as having treated you fairly if the product or investment into which you have bought behaves as you were led to expect it would.
Billingham says when advisers consider risk they will not be able to just point out to you the volatility of an investment product but will have to engage you and ensure you understand the level of risk involved.
Billingham says that to introduce fairness, advisers will also have to educate you about the possible outcomes of investing in a particular product – for example, that your capital could be eroded very quickly.
Kim Potgieter, a financial planner at Chartered Wealth Solutions with a fascination for the relationship between psychology and money, says your financial adviser should not always be focused only on the returns you can earn from your money.
At times, an adviser may also need to consider the returns you expect from your life and the role your money should play in achieving your goals.
She says a good financial planner should connect with you and should develop a plan for you that resonates with you so that you will be motivated to stick to it.


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The 78-year-old discovered Katyana Klass lying in a pool of blood after she apparently collapsed in the foyer of her home on Friday (January 27), The Sun reports.
Collins is keeping a bedside vigil at Cedars-Sinai hospital, where 39-year-old Klass is recovering from minor surgery on her cheekbone.
A source said of the incident: "[Katyana] hit her head on the door knob and then the marble floor. Joan spent the night in hospital with her and hasn't left her side. She's very worried and upset."
A spokesperson for Collins told reporters: "Joan's daughter Katyana is recovering quickly and doing well."
Collins claimed last year that a Dynasty revival is in the pipeline and confirmed that she would like to return as her iconic character Alexis Carrington.
She has also been tipped for a role in Downton Abbey.


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Last Updated: 3:26 PM, June 11, 2012
Posted: 1:24 PM, June 11, 2012
"Jersey Shore" star Snooki's lawyers are investigating how nude and topless pictures said to be of the reality star leaked online.
The raunchy pictures, which appear to have been taken on a mobile phone by Nicole "Snooki" Polizzi herself before she was pregnant, appeared on website egotastic.com late last week.
Snooki's ex Emilio Masella insists he's not the snoop who leaked naked photos of the "Jersey Shore" star.
According to Web site TMZ, Nicole "Snooki" Polizzi's ex-flame Masella contends he, "never even saw [the pictures] before they hit the web." He says of the racy nude and topless photos, "I honestly don't care. I'm trying to get rid of trash in my life ... I'm done with her and moving on with my own career."
Online suspicion turned to Masella, who previously got himself in hot water for telling TMZ after news of Snooki's pregnancy broke, "Not to be rude or anything, but I hope she has a miscarriage." He also was quoted saying that Snooki would marry her fiancé Jionni LaValle and then quickly, "pull a Kim Kardashian."
In one photo, the brunette poses in a white silky robe, which is left open to reveal she is wearing nothing underneath. Another picture appears to show the now-pregnant reality star grabbing her breast, while wearing eye-popping luminous green nail varnish.
The site also claims to have leaked nude pictures of ex-Jersey Shore star Angelina Pivarnick, and also carries a number of other topless pictures where a woman's face is covered by her cellphone or long dark hair.
Sources tell us the pictures are at least two years old, and heavily-pregnant Snooki doesn't know why or how they leaked.
A rep for Snooki told The Post, "Her legal team is looking into this."
The rep added in a statment, "Clearly these are old and personal photos that were not meant for the public. It's a shame someone decided to leak them for obvious personal gain."
Polizzi appeared on Good Morning America Monday to discuss her pregnancy and how she is handling filming the sixth season of "Jersey Shore" while expecting. Polizzi talked about how "painful" she thinks breast-feeding is.
"It just looks so painful," Polizzi said. "But I definitely want to pump, because it has the best nutrients for your baby."
She also admitted she's been avoiding the booze while sporting her baby bump.
"I don't like to be around people that drink, because then I'll miss it," she explained.


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Unadjusted sales for hardware stores in February, the latest month of available statistics for NAICS 44413, were $1.417 billion, up from $1.245 billion in February 2011.
The data was released this week by the U.S. Census Bureau along with the Advance Monthly Retail Trade Report.
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