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An interesting hypothesis I've been meaning to write but just haven't. Ahmed Rashid, for BBC, beats me to the punch:
The group that attacked Mumbai may well include some Pakistanis, but it is more likely to be an international terrorist force put together by al-Qaeda and the Pakistani Taleban, who are besieged by the Pakistan army on one side and a rain of missiles being launched by US forces in Afghanistan against their hideouts on the other.
Al-Qaeda is looking for some relief and a diversion.
What better way to do so than by provoking the two old enemies – India and Pakistan – with a terrorist attack that diverts attention away from the tribal areas?
Such a move would force Pakistani troops back to the Indian border while simultaneously pre-occupying US and Nato countries in hectic diplomacy to prevent the region exploding.
A diversion such as this would preserve extremist sanctuaries along the Pakistan-Afghanistan border and would provide militants with a much needed respite – especially considering that in the next few months President-elect Barak Obama is due to send an additional 20,000 US troops to Afghanistan, backed by more Nato troops.
What's more, recognizing the likelihood of this motivation can provide a meaningful platform for Pakistani-Indian rapprochement. Meanwhile, I'm not sure how likely the occurrence of such a positive step really is, but the generally restrained behavior from both countries has been an important first step.
On a totally unrelated note, my inability to prove that this is something I had hypothesized before Rashid put it in writing reminded me of this. Happy Friday.

subset: commoncrawl


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Lukasz Pason
I was asked to make this in 2 days for a client pitch to the US Food Service. It was a spoof on Sports Center and my client loved the outcome! The first part of it was animated by another designer. I gave him the model to animate and thats what he came up with. There wasnt any time to make them look 100% alike but maybe ill revisit the project. Over all it was a lot of fun to make and I hope you enjoy!


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Al Harrington and David Lee expect Nate Robinson to go all-out in his first crack at the Knicks.
The Knicks visit the Celtics tonight (7:30; MSG, ESPN 1050 AM), and that means it'll be Robinson vs. the Knicks for the first time. Five years ago, Robinson became a Knick. Five days ago, he was traded away in a deal for Eddie House.
Robinson hasn't played since the trade because of flu-like symptoms, but he's expected to be ready to play tonight.
"We know he's going to come out with something to prove with all the stuff he's been going through with Coach," Harrington said.
Added Lee, smiling, "He's definitely going to go hard at us, I know that."
Lee may have been grinning when talking about his buddy, but there should be plenty of truth behind his prediction. Robinson and Mike D'Antoni clashed at times, with D'Antoni benching Robinson for 14 straight games at one point this season. Last Thursday, when Robinson was traded, D'Antoni said Robinson had come to the Knicks' practice center to say goodbye, but the coach said he and Robinson did not speak.
Now they'll be on opposing teams. Robinson will surely be motivated to play well.
"It should be fun," D'Antoni said of both Robinson and House facing their former teams. "[The Celtics are] playing well right now. They've won some games on the road, and I'm sure it'll be emotional both ways."
The Knicks might not face Celtics star Paul Pierce. It has been reported Pierce is questionable with a sore thumb.
Robinson wrote on his Twitter page yesterday, "Tomorrow is the big day, can't wait."


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American Academy of Actuaries
September 2009
Key Topics No one, not even actuaries, can predict
the future. When the actuaries at the Social Security Administration evaluate Social Security's financial condition, they use assumptions about how the future will unfold. Learn about how Social Security's
trustees and actuaries choose appropriate assumptions. Learn about how the major assump-
tions affect the results of the annual projections of the system's finances.
Understanding the Assumptions Used to Evaluate Social Security's Financial Condition
very recent annual report from Social Security's Board of Trustees projects that, under the board's intermediate (best-estimate) assumptions, some three decades into the future Social Security's income will no longer be sufficient to finance all scheduled benefits in the absence of corrective legislation. The trustees report uses long-term financial projections based — at least in part — on assumptions adopted by the board. In addition, Social Security reform proposals introduced in Congress or developed by outside experts are sometimes evaluated for their potential effect on the program's financial condition using the same or similar projection methods and assumptions. The nature and extent of any changes designed to resolve the program's financing problem depend, of course, on the magnitude of the problem. Although the projection based on the trustees' intermediate assumptions is generally quoted when discussing Social Security reform proposals, the range of alternative assumptions used by the trustees illustrates the considerable uncertainty about the future. Opponents of major structural reform generally believe that any perceived problem is manageable with modest changes within the current framework. Conversely, proponents of more extensive reforms often argue that the problems are serious enough to demand consideration of approaches outside the current framework.
The American Academy of Actuaries is a professional association with over 16,000 members. The Academy's mission is to assist policymakers by providing leadership, objective expertise and actuarial advice on risk and financial security issues. The Academy also sets qualification, practice and professionalism standards for actuaries in the United States. ©2009 The American Academy of Actuaries. All Rights Reserved.
1850 M Street NW, Suite 300, Washington, DC 20036 Tel 202 223 8196, Fax 202 872 1948 www.actuary.org Mary Downs, Executive Director Steve Sullivan, Director of Communications Craig Hanna, Director of Public Policy Frank Todisco, Senior Pension Fellow Jessica Thomas, Pension Policy Analyst
Recently, the Congressional Budget Office (CBO) began making its own projections of Social Security's financial condition. The CBO uses the demographic projections produced by Social Security's actuaries, but applies its own economic assumptions. The CBO projections have yielded a long-range deficit somewhat smaller than that under the trustees' intermediate assumptions. Experts outside the government have performed independent analyses of various reform proposals, sometimes including their own. These experts also use assumptions in their projections of Social Security's financial future, and those assumptions may also differ from those used by the trustees. This issue brief describes the major assumptions used in projections of Social Security's financial condition and how variations in the assumptions affect the results. The issue brief also encourages policy advocates to disclose the assumptions underlying their reform proposals and to apply assumptions consistently.
Background Since Social Security's earliest days, its Board of Trustees has reported annually to Congress on the projected long-range financial status of the system. The trustees base their projections on actuarial assumptions. The actuaries at the Social Security Administration make initial recommendations for these assumptions, which are then modified as deemed necessary by the trustees and their staffs. The final assumptions selected by the trustees are subject to review by the Chief Actuary of the Social Security Administration, who must state in the report his opinion as to whether they are reasonable. Based on these assumptions, the actuarial staff
of the Social Security Administration prepares the projections that are presented by the trustees. The trustees evaluate the program over a 75-year long-range projection period in order to view the adequacy of financing over the lifetime of virtually all current program participants. Typically, the actuaries use year-byyear assumptions about a number of critical economic and demographic parameters for the first 25 years of the projection period and then apply "ultimate" rates over the remainder of the 75-year period. The trustees report describes the assumptions and methods used in detail. Each year, the Social Security program gains another year of actual experience that can affect the projections in two ways. First, everything else being equal, if experience is more favorable than projected, the system's financial forecast improves, and if less favorable, the forecast worsens. Secondly, emerging experience also constitutes additional evidence that can be used for setting assumptions. For example, if mortality improves more rapidly than expected, then future mortality expectations might be adjusted to reflect that trend. The normal process provides for monitoring experience to detect any differences between actual experience and past projections, and for fine-tuning assumptions based on the results of this analysis. The actuaries and trustees must use their own judgment about how the future will differ from the past. When a change occurs in some demographic or economic factor, no one can determine immediately whether the change represents a short-term fluctuation or a long-term trend, just as no one can know if a week without rain is the beginning of a drought. For this reason, changes in assumptions generally lag behind changes in the underlying demographic and
Members of the Social Insurance Committee who participated in revising this issue brief include: Richard Schreitmueller, FSA, MAAA, chairperson; Janet Barr, EA, ASA, MAAA; Michael Callahan, EA, FSPA. MAAA; Eric Klieber, EA, FSA, MAAA; Eric Lofgren, FCA, FSA, MAAA; Michael Peskin, AIA, ASA, CERA, FCA, MAAA; Bruce Schobel, FSA, FCA. MAAA; P.J. Eric Stallard, ASA, FCA, MAAA; and Louis Weisz, FSA, MAAA. 2
Issue Brief september 2009
economic experience. For example, the economy has recently experienced an extended period during which productivity has increased at a rate above the historical average. The trustees and actuaries are uncertain whether this is the start of a long-term trend, so this high-productivity growth is substantially reflected in the trustees' short-term assumptions, but less so in their long-range assumptions. If highproductivity growth persists so that the trustees conclude that it stems from permanent changes in the economy, any resulting change to the long-range assumptions will lag behind by several years the onset of high productivity growth rates. Generally every four years, the Social Security Advisory Board appoints a technical panel composed of leading economists, demographers and actuaries from outside the Social Security Administration to review the trustees' assumptions. In the past, these panels have concluded that the trustees' assumptions are reasonable. However, the technical panels provide independent analysis of the trends affecting Social Security's finances. The technical panels frequently recommend specific changes to the assumptions. The trustees weigh these recommendations carefully, and often make changes to their assumptions along the lines of these recommendations, although they sometimes choose not to follow some of the recommendations. In the end, the trustees have the final say regarding the assumptions. The trustees report presents three projections: intermediate, low-cost and high-cost. The intermediate, or "best-estimate," projection is the one usually cited by policymakers and the news media. The low-cost and highcost projections show how the results of the projection would change under reasonable alternative scenarios. The trustees report also includes sensitivity analyses that show how the results of the projection would change if one by one a major assumption is changed to its value under the low-cost or high-cost assumption set while the other assumptions remain at their intermediate-cost values. Finally, the
trustees report includes an analysis of the results from a stochastic model of the system, in which the projection is run multiple times under different sets of assumptions and the results analyzed statistically to draw conclusions about the probabilities that actual long-term system performance will lie in different ranges, as described in the Academy's 2005 issue brief, A Guide to the Use of Stochastic Models in Analyzing Social Security. The assumptions that the trustees use for each year's report are based on their analysis of historical data and expected future trends. The 2009 Academy issue brief, An Actuarial Perspective on the Social Security Trustees Report, describes the assumptions the trustees used in their most recent report and major changes since the previous report.
Assumptions The assumptions used for Social Security's financial projections fall into two broad categories, demographic and economic. Demographic assumptions are used to project the future population, which provides a basis for estimating the number of workers paying into the system, the number of retired- and disabled-worker beneficiaries, and the number of family members and survivors receiving benefits. Economic assumptions are used to project wages and the resulting tax income of the program, benefit amounts, and the investment income on the system's accumulated assets. Together, these factors are used to calculate the system's projected annual income and expenses. Although the assumptions are described one by one, they are not independent of each other. Factors underlying the various economic assumptions tend to move together as the economy experiences cyclical ups and downs and longer-term trends. For example, real wage growth, interest rates and labor force participation rates all tend to be higher and unemployment rates lower when the economy is vigorous. Factors underlying many of the Issue Brief september 2009
demographic assumptions also respond to changes in the economy. For example, birth rates and immigration rates tend to be higher and disability rates lower when the economy is vigorous. The trustees take these relationships into account when setting the intermediate assumptions. However, when setting the lowcost and high-cost assumptions, the assumptions that yield the lowest and highest costs are grouped together regardless of whether the resulting combinations are likely to be realized in any plausible scenario.
Major Demographic Assumptions Fertility: As workers retire, they are re-
placed by new entrants into the labor force, most of whom were born in this country. The fertility rate, or average number of children born to a woman during her lifetime (if she survives the child-bearing years), is the primary determinant of whether the number of new workers will be sufficient to pay for the benefits promised, assuming current-law tax rates. A higher fertility rate increases the number of workers coming into the system, improving overall finances. The fertility rate fell from 3.70 in 1957 to an all-time low of 1.74 during the mid-1970s but has increased somewhat since then to slightly above 2.0. Recent reports project the fertility rate will stabilize around this level under the intermediate assumptions. Immigration: Immigration also accounts for some new entrants into the labor force. Indeed, if the fertility rate remains at or below the replacement level (about 2.1 births per woman), then any long-term population growth must come from net immigration, i.e., immigration less emigration. Most immigrants are young and have all or most of their working lifetimes ahead of them when they enter the country, while emigrants are more likely to be in the older part of the age spectrum. Therefore, a higher net immigration rate, like a higher fertility rate, tends to improve overall system finances. Social Security projections take into ac4
Issue Brief september 2009
count both legal and illegal immigration. (The latter includes those who entered the country legally but overstayed or otherwise violated the terms of their visas.) Legal immigration has increased substantially since World War II, driven primarily by legislative increases in immigration quotas. Under the intermediate assumptions, net legal immigration levels off at approximately the current rate. Past rates of net illegal immigration are subject to much uncertainty, but most demographers agree this rate has also been increasing steadily, and the trustees expect this trend to continue. Before the 2008 report, the actuarial projection took into account only net illegal immigration, so that the assumed age profile of illegal immigrants and emigrants was effectively the same. Beginning in 2008, the trustees have made separate assumptions for illegal immigration and emigration, with a younger age profile for immigrants. This was the major factor in the reduction of the projected long-range actuarial deficit in that year from 1.95 percent to 1.70 percent of taxable payroll. Mortality: The mortality assumptions are perhaps the most publicly debated of the demographic assumptions. The mortality assumptions are used to estimate, among other things, how long retired and disabled workers and their survivors are projected to receive benefits. Mortality assumptions also determine how many workers are expected to die before retirement, often resulting in payments to survivors. Although reductions in pre-retirement mortality reduce the cost of survivor benefits, they also increase the number of workers who will reach retirement age. Reductions in postretirement mortality result in longer lifetimes for those receiving benefits and generally have a much greater impact on the total cost of benefits. Increases in longevity accelerated greatly in the 1970s, leading the trustees to update the mortality assumptions used for Social Security projections. Since 1982, however, longevity has increased more slowly, and the projected reduction in mortality rates has been relatively stable.
The rate at which longevity will continue to increase is the subject of much debate. Certainly, there is potential for more rapid decrease in mortality based on medical advances that slow disease development or allow better management of chronic conditions such as heart disease, cancer and stroke. Conversely, it is difficult, if not impossible, to anticipate new diseases that may surface in the coming decades, the effect of lifestyle changes, e.g., less smoking but more obesity, how rapidly medical breakthroughs will be accessible to the general population, and whether new treatments will be affordable. There is widespread agreement that death rates will continue to decline in the future; the issue is the pace at which these declines will occur. Disability: The disability-incidence assumption is the most important determinant of the cost of the disability insurance (DI) portion of Social Security. Social Security law provides objective criteria for determining when covered workers become eligible for disability benefits, although some degree of subjectivity is inevitable in applying the law. Partly for this reason, disability-incidence rates tend to be cyclical, depending on the health of the economy and, to some extent, political and social attitudes toward disability. The trustees set the disability incidence assumption initially by looking at past trends and making projections about the future without regard to the increases in the normal retirement age (NRA), or the age at which workers can receive unreduced benefits scheduled under present law. These rates are then adjusted upward to reflect the additional workers who are expected to file for disability benefits because of the scheduled increases in the NRA.
Major Economic Assumptions Wage increases: The nominal (i.e., without adjustment for inflation) increase in wages earned by workers from year to year affects both the revenue received and benefits paid by Social Security. As wages increase, taxes on
those wages go up proportionately, raising revenue immediately. However, the formula for determining initial benefits is indexed to wage increases, so higher wages gradually result in higher benefits. Consumer Price Index: Benefits for existing beneficiaries are adjusted automatically each year for inflation. This cost-of-living adjustment (COLA) is based on changes in the Consumer Price Index for workers (CPI-W), which is measured by the Bureau of Labor Statistics. Thus, the assumed annual increase in the CPI affects projected future benefit payments. Since automatic adjustment of benefits began in 1975, the annual rate of increase in the CPI has varied widely, from double digits in the early 1980s to near 1 percent in some more recent years. Increases in real wages: The increase in nominal wages minus the increase in the CPI is called the real-wage differential — the increase in the buying power of wages after adjustment for price increases. Real-wage increases are made possible by increases in the productivity of workers. If wages were used for indexing benefits after commencement, as well as for calculating initial benefits, then the increases in revenue and benefits resulting from real-wage increases would offset each other. However, because benefits after eligibility are indexed to the CPI, any excess of wage increases over CPI increases causes the program's cost to be lower than would be the case if benefits after eligibility rose at the same rate as wages. The average future rate of increase in real wages is one of the most important factors affecting the financial health of Social Security. Interest rates: Social Security's assets are invested in special-issue Treasury securities whose interest rates are pegged to the rates on securities issued to the public. Therefore, the interest-rate assumption refers to yields on long-term Treasury securities. Interest rates affect Social Security in two ways. First, higher interest rates raise the return on the system's accumulated assets and thus improve the financial condition of the program; lower rates Issue Brief september 2009
have opposite effects. Second, higher interest rates reduce the present value of the program's long-term actuarial deficit. Real interest rates (i.e., nominal interest rates less inflation) have varied widely over the past several decades. Before 1980, real interest rates averaged about 1 percent. In the mid-1980s, the real interest rate rose to 9 percent; since then, it has declined, but except for short periods has generally remained around 3 percent in recent years. Labor Force Participation Rates: Labor force participation rates measure the proportion of the working-age population (including non-covered workers and the unemployed) with earnings covered by Social Security. Generally, those without covered earnings are outside the labor force, in non-covered employment, are unemployed or receiving benefits. Everything else being equal, a higher labor force participation rate increases tax revenue earlier, and increases tax revenue to a greater extent than it increases benefits, thereby improving the program's financial condition. This is especially true if the proportion of twoearner married couples increases, since the additional payroll tax paid by the lower earning spouse provides additional benefits only to the extent that worker benefits based on that spouse's own wage record exceed spouse benefits based on the higher earning spouse's wage record. Conversely, a lower labor force participation rate worsens the program's financial condition. Labor force participation rates at ages 60 through 64 have changed considerably since 1985, for both men and women. Before 1985, the labor force participation rate for men at ages 60 through 64 had been decreasing dramatically, from over 80 percent in 1962 to 56 percent in 1985; this rate has since leveled off and actually increased from 53 percent in 1995 to 55 percent in 2000. For women, the labor force participation rate has increased significantly from 33 percent in 1985 to 40 percent in 2000. Possible changes in labor force participation rates in response to demographic changes are among the greatest uncertainties 6
Issue Brief september 2009
in projecting the future financial condition of Social Security. With expected slower growth in the population at traditional working ages, will older workers want to work longer, and will their employers want to maintain an older workforce? Unemployment: The unemployment rate measures the proportion of workers in the labor force unable to find work. Higher rates of unemployment reduce projected future income. Unemployment also generally reduces benefits, but the effect is much smaller and is largely deferred. Therefore, high unemployment adversely affects the program's financial health. However, unemployment does not have as significant an impact on system finances as do some of the other factors discussed here. GDP Growth: The trustees do not directly make an assumption regarding the growth of gross domestic product (GDP), which is the total dollar value of all goods and services produced in the United States. The trustees arrive at their estimate of GDP growth indirectly by estimating growth in the labor force and growth in productivity (which is closely related to growth in real wages), both discussed above. GDP growth was high in the 1960s and 1970s, due primarily to the large increases in the labor force. However, if the retirement of the baby boomers leads to a shortage of workers, the labor force component of GDP growth could dramatically decrease. If the labor force growth rate was to slow and productivity does not rise to compensate, GDP growth would decline significantly. Long-range GDP growth will depend on a variety of factors, such as whether workers retire at a different rate than projected, whether future workers will be more or less productive than assumed, and whether a shortage of workers will lead to a change in immigration law. At present, a wide divergence of views exists on these questions. Taken together, these assumptions underlie the projections of the program's short-term and long-term financial condition. These pro-
jections provide policymakers with an indication of whether reform is needed.
Social Security Reform and the Stock-Yield Assumption Some Social Security reform proposals would invest all or a portion of the assets accumulated to fund future benefits in private-sector securities, particularly stocks. Some of these proposals would allow workers to set up individual accounts; others would continue the current arrangement in which the government directly invests all of the system's accumulated assets. Advocates for these reform plans assert that investing payroll taxes in common stocks would provide a better return than the special U.S. government securities used by the current program. This claim is based on historical data showing that stocks have consistently outperformed U.S. government interest-bearing securities over long periods — say, 20 years. Although the annual real yield on stocks is not an assumption used in the annual report, such an assumption must be made to evaluate any reform proposals involving stock investments. Not surprisingly, the higher the assumed real yield on stocks, the more favorable proposals for investing Social Security assets in stocks appear. Many economists question whether the past superior long-term performance of stocks over other investment alternatives will continue. Further, recent volatility in the securities markets has focused investors' attention on the greater risks inherent in equity investments. These issues are explored in depth in the 2007 Academy issue brief Investing Social Security Assets in the Securities Markets. Given the high degree of uncertainty regarding the future performance of the securities markets, it is important when evaluating any reform proposal that changes the way Social Security assets are invested to use a range of possible yields to illustrate this uncertainty.
Assumptions over an Infinite Time Horizon For the first time, in its 2003 report the trustees included the program's unfunded obligations and actuarial balance over an infinite time horizon. Given the uncertainty of projections 75 years into the future, extending these projections into the infinite future can only increase the uncertainty, so that the results can have only limited value for policymakers. This is due largely to anomalies and incongruities that inevitably arise from extending any set of longrange actuarial assumptions to infinity. For example, extending to infinity the assumptions used for labor force participation rates and mortality improvement leads ultimately to a situation where the typical worker is expected to receive benefits for a period longer than he or she pays into the system. It is not surprising that, at the current payroll-tax rate, the OASDI program cannot sustain itself in this situation. However, it seems unreasonable to argue that workers would not extend their working years longer than currently projected, based on extended years of ability to work, and the need to save more beyond Social Security benefits for the lengthened period of retirement. Mortality improvement by itself has a major impact on Social Security's projected financial status and presents great difficulties when making long-range projections. Demographers have reached no consensus, despite years of debate, on whether the rate of mortality improvement observed in the last century is sustainable for the very long-term future. Under the trustees' assumption, mortality improvement will taper off but not disappear entirely over the 75-year valuation period. Some demographers, citing steady robust mortality improvement over the past century, claim the trustees are understating future mortality improvement. The 2003 technical panel, on the other hand, recommends that assumed mortality rates stop declining at some point in the future. Given these sharp disagreements among experts over projecting mortality for 75 years, the futility of reliably projecting mortality over Issue Brief september 2009
an infinite time horizon becomes apparent.
Conclusion and Recommendations As Yogi Berra once observed, "It's tough to make predictions, especially about the future." Reasonable people can and do disagree about economic and demographic conditions 25, 50 or 75 years into the future. Yet making such assumptions is critical for evaluating the current status of the Social Security program and the various proposals for reforming it. There have always been some observers who have questioned whether the Social Security trustees' assumptions are the best basis for evaluating the financial condition of Social Security and the impact of various reform proposals. Certainly other assumptions may also be reasonable, and even small changes in assumptions can, over a 75-year period, lead to large changes in the projections. Any projection over a 75-year period is subject to a high degree of uncertainty. The trustees' intermediate assumptions are what they are described to be, a best estimate of future demographic and economic trends based on careful study and analysis of all available data. A number of different proposals for Social Security reform are before the public. When evaluating these plans, policymakers should be
1850 M Street NW Suite 300 Washington, DC 20036 Tel 202 223 8196 Fax 202 872 1948 www.actuary.org
aware of the demographic and economic assumptions that underlie the analyses. In some cases, the potential advantages of a particular reform plan may depend as much on the assumptions used as on the proposal's actual provisions. Furthermore, policymakers should take care that assumptions are being used consistently across all proposals that are being compared. To remove some of the uncertainty about the effects of Social Security reforms, we make the following recommendations: 1. All analyses of Social Security reform pro-
posals that include financial projections should also include an explanation of the assumptions used. 2. Any such analysis of proposals should use
assumptions that are internally consistent. 3. Where substantial uncertainty exists as to
the appropriate level of a critical assumption, sensitivity analysis or a range of assumptions should be provided. 4. When calculations for competing reform
proposals use different sets of assumptions, comparisons of these proposals should recognize the effects of the differing assumptions.
Learn about how Social Security's trustees and actuaries choose appro- priate assumptions. MARCH 2009 SepTembeR 2009 No one, not even ac...
Published on Mar 15, 2012
Learn about how Social Security's trustees and actuaries choose appro- priate assumptions. MARCH 2009 SepTembeR 2009 No one, not even ac...


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Woot, I got nominated for the Liebster Award, the award for lesser known blogs, by the gracious GeezKyraLouise! Many thanks to her! Feel free to click if you want to learn some tidbits about me and of blogs I think deserve the award as well 🙂
All right, here are the rules to the Liebster award:
Let's get crackin on the second rule!
11 Questions
1. What is your favorite pizza topping?
- Can I say supreme pizzas? If not let's go for…ham?
2. What is one movie that changed your life?
- Spirited Away (2001). Yes, a classic Ghibli Studio film. I saw when I was…what 11? and was blown away by its sheer weirdness. It was the gateway to the world outside the hollywood movies and other associated constructs. I started getting into manga, anime, kdramas and etc. Overall, my view of the world around definitely started changing due to this film.
3. If you could go shopping with anyone (living or deceased) who would they be?
- My mom. Hands down. I was thinking about all the celebrities I would want to go shopping with and I just couldn't imagine myself to be all that comfortable with anybody. Shopping with my mother is a blast though. We get along great, she's supportive of my shopping choices (even if she doesn't agree with some) and has a shopping energy reserve that is much bigger than mine.
4. What is your favorite time of day? Why?
- Past 6pm, because I'm a night owl. I feel most awake and perky at this time. And, sometimes, it's dinner time and food is marvelous.
5. Do you prefer taking photos or modeling in them?
- Taking them. I have more control over that. From my experience, I'm bad at taking directions from a photographer. It's like their speaking another language at me, I don't get it, move incorrectly and frustration ensues.
6. If you had to listen to one song for the rest of your life what would it be?
- Whaaat? Just one? I'll probably change it later but, a longtime favourite of mine is Keep Your Head Up by Ben Howard (link to music video on youtube). It's just a well rounded indie track with interesting lyrics.
7. What is your favorite thing to bake/cook?
- Pureed soups. They're just so tasty and comforting. My recent favourite has been this roasted cauliflower and garlic soup (dairy and gluten free!).
8. What is your favorite kind or makeup (mascara, blush etc.)
- UGHH, just one again? After a long internal debate, I'm going to say tinted lip balm. /drops mic
9. Which animal describes your personality/ If you were an animal which would it be?
- Probably a red panda. Have you seen those things? Cute as heck. Also they look like they can have fun with anything and they're serious about food. Here's a compilation video of them.
10. Why did you start blogging?
One part because I love writing, other part is because I'm very passionate about makeup, skincare and the like. So, this was a perfect way to combine my two loves.
11. What do you hope to achieve throughout your blogging journey?
- Pure enjoyment really. I enjoy writing my blogs and I also like how I can interact with others with the same interests!
That's done now. Onto rule number three!
11 Random Facts
- I'm moderately to severely dairy intolerant. Basically means that I can't process lactose and casein found in some (and common) milks. So milk, ice cream, cheese and yogurt are things I miss in my life regularly.
- I was born a red hair, due to some Irish great-grandmothers on both sides, but I grew into a brunette.
- I was francophone until I was moved into an English school at 4 years old and lost it all. My mother's biggest regret, lemme tell you.
- I have social anxiety, it's particularly more severe around men my age.
- I have never had a "real" boyfriend, and have never fallen in love.
- I write romance fiction occasionally. Irony is not lost on me.
- I started wearing makeup in 7th grade, but didn't really get into an actual skincare routine until 12th grade.
- I once won the Most Religious award at my catholic elementary school graduation. However, this pissed off a lot of my classmates parents. Why? Because not only did I not go to church but I also was the only girl in the entire grade who refused to get Confirmed because, and I quote myself, "I don't really feel religious enough". I think I got it because my teachers liked me a lot and my grades weren't stellar enough for an academic award.
- I want to teach English in South Korea as soon as I graduate. I love the culture and food and everything.
- My older brother is mentally disabled. He's mildly autistic, primarily with Asperger's syndrome and he also has ADD. When he was a child, he was more on the moderate spectrum (mostly in his own world, had a hard time paying attention and learning, used to talk to his hands). Thanks to a lot of people's hard work, my brother has progressed so much. Now, you can't really tell. Some mannerisms he has might be considered strange, sometimes he has a hard time understanding common social situations and he takes medication for his ADD. All his counselors say he's the dream example they use when they have new parents with autistic children. I've learnt a lot from my brother and I'm grateful to have him in my life.
- My favourite colour is red. Cause ending with something simple sounds nice.
Okay, fourth rule…I'm bending that a little because I don't have 11 blogs I follow (that I know are active and have under 200 followers).
Sorry if you guys have been already nominated once or more already!
Fifth rule, I'll get right on that after I post this….
Sixth and final rule, question time!
11 Questions for my Nominations:
- What's your favourite food/cuisine (either a specific dish or general like Thai)?
- What's your favourite makeup or skincare product?
- What's the song you're listening to at the moment?
- Summer or Winter and why?
- Where would you like to travel to the most?
- Why are you blogging?
- What's your best blogging tip?
- Recommend something, it could be anything!
- What's a funny event that happened in your life?
- What's something you want to try out?
- What would your dream job be?
Okay, all done. Thanks again to GeezKyraLouise! I had a lot of fun filling this out!
Much love,
Nadine, T.M.E
ps: Thinking up questions is harder than I thought it would be…D:


text:
|General Wrestling Any non-WWE/TNA wrestling discussion goes in here. This includes wrestling history.
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|12 Feb 2014, 10:47 PM
|#1 (permalink)
Join Date: Mar 2013
Posts: 1,953Rep Power: 7
Is Professional Wrestling the perfect example of people refusing to adjust with the times?
It's like Woodstock. People who didn't even live through the Attitude Era think the Attitude Era was God, people who didn't really watch the Ruthless Aggression Era think the Ruthless Aggression Era was God; hell people who didn't even watch the Golden Era/New Generation Era some how think that Era is God...compared to today. Talk about refusing to adjust with the times, it's like Bret 'Hitman' Hart's move-set around here; old, stale and outdated. Ironic, people complain about Batista coming back; yet 'we all loved' Dwayne 'The Rock' Johnson or perhaps John Cena in 2005 or Randy Orton back then to... Funny how the tables turn; like peoples reaction to Daniel Bryan and CM Punk.
|12 Feb 2014, 11:03 PM
|#3 (permalink)
Join Date: Jan 2014
Posts: 215Rep Power: 5
All I can tell you Dave, is that I didn't watch Hogan's era of wrestling, and I don't really talk about it, I didn't watch much wrestling at all in the early 90s, and I don't talk about it!
I watch Attitude Era, I watched Ruthless Aggression, hell, I watched whatever eras TNA went through when they was on FSN and Spike up until a few years ago!
I have no clue why people would talk about the Attitude Era or Ruthless Aggression Era, why anyone would be interested in it, it happen in the past, it is time to move on! I don't know why anyone would act like they lived through it or act like they know what it is all about just because they seen some awesome clips of it on Youtube, you take some of the best footage of the modern era and you could make it look pretty awesome as well, I'm sure of that!
If you take some of the worst clips of the Attitude Era, or the Ruthless Aggression Era, and it would look bad, but people apparently aren't watching those!
|12 Feb 2014, 11:12 PM
|#4 (permalink)
Join Date: Jan 2014
Posts: 482Rep Power: 5
I dont too much get the cheap shot at Bret Hart here. Because quite frankly, if you are judging him off of his move set alone then you didnt see Bret perform. His placement of those moves in matches and the way he perfected each one (hence the name Excellence of Execution) was why you had to throw in the back of your mind that they were old fashioned.
|12 Feb 2014, 11:25 PM
|#5 (permalink)
Fresh Noob
Join Date: Feb 2014
Posts: 4Rep Power: 0
wwe is more a an example of people being unable to adjust with the times and I get your point, I'm from what you called the ruthless aggression era, and Id like to say that nowadays wwe has bad story lines with tons of bad timing, back in 2005 john cena,randy orton and batista had characters tha defined them, nowadays these are just dull, they don't have anything particular about them:first of all there's john cena, back in 2005 he was the wannabe rapper dissing everybody and had planty of moves in is arsenal,nowaday hes just the dude that rallies up the crowd to say the same ol boring general stuff.Second of all there's randy orton, back in 2005 this guy was know as 3rd generation superstar that was taking out wwe legends 1 by 1 aka the legend killer randy orton,the dude actually had hair on his fu*king head, was handsome(no homo)he had charisma and he fought his own battles,and yes he cheated tons of times,but he never backed out, he never needed anybody to back him up unlike nowadays he just a bald baby complaining bout everything,finally theres batista,back in 2005 after winning the royal rumble he was still in evolution with hhh and flair, he had 2 choices:go to smackdown and face jbl at wrestlemania for the wwe title or stay in raw and face hhh for the world title, he decided to stay in raw cuz he was tired of always being controlled by hhh, during the contract signing he power bombed hhh through a table and became the animal, now he's just some bald dude that comes back from a miserable win in mma to win directly the royal rumble instead of roman reigns,see that's what I'm talking about,bad timing,it was reigns moment to shine but instead wwe shove's batista(hence taking cm punk out of the title picture,wasting perfect talent),they did the same to brock lesnar, when he came back he kicked a$$ by himself,then when he was attached to paul heyman he lost most of his credibility, he recently came back to claim the wwe title from randy orton, but wwe set him back for 3 weeks,imagine all the microphone battles we could have witnessed: Orton's arrogance vs lesnar attitude, bottom line is that during both attitude and ruthless aggression era(that I watched tons a times on the internet)we watched some great story lines with good rivalries that made sense, nowadays feuds are started for no reasons and we wind up seeing matches that have no purpose or reasons to be, same thing goes about mixing raw and smackdown together,it gave a melting pot of sh*t,THATS what people refuse to accept and adjust to.
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NHRA – Cirle K Winternationals – Pomona 2-8-15
Welcome back for the 2015 NHRA Race Season. What a great start we had this past weekend in Pomona, the stands were packed and the racing was great! Congratulations to Shawn Langdon, the Alan Johnson Racing crew and everybody with the Knuckle Sandwich TF Dragster. With a crazy month leading up to the start of…Details


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Scala Developer
I am working on behalf of a large digital company who're currently innovating the digital industry across a number of sectors. They're looking for a Scala Developer to join the team working on some fantastic public and private sector projects along with training that is provided at all levels. The right candidate will be passionate and enthusastic about new technology and have a solid understanding of Java and has worked with Scala in some capacity.
The company are based close to Newcastle City Centre and have opportunities to work on client site around the North East. The package offered includes a very generous salary alongside excellent benefits including 25 days holiday, childcare benefits, free tablet and unlimited training budget!
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Likely to have Open source, Digital experience and NoSQL (MongoDB)
Agile experience is preferable but not essential
Technologies adopted by this particular team:
Digital technologies eg Scala, Play Framework, mongoDB, Java, JSON, XML, Microservices, Docker, Puppet, IntelliJ, IDE, Sbt, CSS
The role itself has seen some interest from candidates across the UK and given the progression and opportunity this role has to increase your knowledge of Scala, I can't imagine it will be open for too long. Get in touch if you'd like to hear more on or email me on .
Pearson Frank International is the leading Java / PHP recruitment firm in the UK, advertising more JAVA & PHP jobs than any other agency. We deal with both Digital Agencies & End Users throughout the UK and Europe and we have never had more live requirements & Web Development jobs for JAVA & PHP professionals. By specialising solely in placing candidates in the JAVA & PHP market I have built relationships with most of the key employers in the UK and have an unrivalled understanding of where the best opportunities & JAVA / PHP jobs are.
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Reference: 34648689
Bank or payment details should not be provided when applying for a job. reed.co.uk is not responsible for any external website content. All applications should be made via the 'Apply now' button.Report this job


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- Products & Services
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SAN ANTONIO, TX, June 12, 2013 /24-7PressRelease/ -- In 2005, Carlos Villasenor and his wife Sylvia arrived at the hospital to give birth to their first child, Mariana. After 2 heartbreaking miscarriages, the couple was thrilled to finally bring their beautiful baby girl into the world, and the proud dad wanted to capture every priceless memory on film.
While the birth went without problem, Carlos' mission of filming the most special moments was rockier than expected. Everything seemed to go wrong for the anxious new dad.
"I was a nervous wreck, worrying about charging the camera, changing memory cards, and trying to preserve every priceless moment on film. The camera on the video camera ran down. That's when I discovered I had left the charging cable at home. Then the memory card filled up within hours, and I didn't have another one," he explained. When he decided to edit the clips into a movie as a gift for family and friends that Christmas, he realized that he wasn't in the film, as he had been behind the camera instead of beside his wife during many heartwarming moments. "I made up my mind then and there that I'd never have to choose between holding my wife's hand and holding the camera. No dad should have to make that choice."
So the young newspaper executive became an entrepreneur, and founded BIOVIDEO to film and edit videos of a family's first day together at San Jose hospital in Monterrey Mexico the next year. The program was so popular with maternity patients that other hospitals requested the service, and soon BIOVIDEO movies were available to new parents in 90% of all the leading private hospitals in the key Mexican cities of Mexico City, Monterrey and Guadalajara.
A few years later, Carlos moved his family, then with 3 young daughters, to San Antonio to expand the BIOVIDEO vision to US families and hospitals.
To answer the question on everyone's mind, Villasenor explains, "We capture the Hallmark moments and not the Natural Geographic moments." The company starts filming immediately after birth, starting with baby being weighed and foot printed, and then captures many emotional moments with the parents, family and friends meeting the baby for the first time.
BIOVIDEO has filmed and edited more than 150,000 custom videos since the company was founded in 2006. While this level of production volume appears a mind-boggling challenge, BIOVIDEO does it with yet another near impossible hurdle - each movie is presented in person to the family before they take the newly-born baby home, generally 24 to 48 hours after the baby is born.
BIOVIDEO has a staff of videographers who work 12 hours a day inside the maternity ward to film the most heartwarming moments of a new baby's first day of life and then transform them into a priceless movie, which is debuted to the new parents on a tablet computer right in the room. The video becomes instantly available online on each family's personal web page on Biovideo.com, and can be viewed and shared before they leave the hospital.
What makes the program truly remarkable is that the service is free to both hospitals and the patients.
Villasenor explains, "Babies don't come into the world with an instruction manual. So I sought out the experts in the field of child care, and partnered with them to bring their insights and expertise to new parents. Leading brands like Pampers and Little Remedies sponsor the production of the videos, and at the same time provide valuable information and product samples to new parents to help them when they arrive home with the new baby."
"It's a WIN - WIN - WIN situation, where everyone receives more than they expect," says Villasenor. "Parents are overwhelmed by the quality of the video we deliver. The hospitals provide a priceless gift to their patients which showcases the best experience anyone will ever have with a medical institution. And the brand sponsors value the access to new parents at the precise moment they need their products and expertise - in the hospital right after baby is born."
For the past 8 years, Villasenor has dedicated his energies to perfecting the Biovideo filming and editing process, and adapting the business model to the US. The challenges have been daunting. "The size and scope of the US market is overwhelming, and to build a business with the potential to serve 4 million new births each year is incredible." So is the legal situation, with liability concerns unimaginable in Mexico. "It often takes up to 6 months just for a hospital's legal department to review our agreement and give its blessing, even after the CEO has approved it. Who says things work slower south of the border?" he laughs.
And most important is his passion for quality. "Each BIOVIDEO is a custom movie created just for one new family, a priceless memory they will keep and replay over and over again as a baby grows up. We have to film and edit each movie as carefully and lovingly as a dad would his own movie - and like I did with my daughter's movie," he explains. "It's got to be perfect. And that is our biggest responsibility and my greatest concern every single day."
He continues, "Each BIOVIDEO is my gift to a new mom - and a new dad - and I am blessed to have both the calling and the ability to make this dream come true. As a dad, it's my Father's Day gift to every new family we touch."
New parents express their happiness with their baby's first movie throughout BIOVIDEO's Facebook page, MyBiovideo, declaring the overwhelming emotion they experienced when they first saw the movie of their baby's first day of life. According to Desiree Kuitchers, who delivered her first child last August, "Tears of joy shot out of my eyes when I saw my BIOVIDEO. Thank you so much for those wonderful memories you captured for us. I cried it was so beautiful!"
The US is about to become more joyful - and experience even more tears of joy - as BIOVIDEO rolls out its free services to cover even more hospitals and births across the country. "Retailers will need to stock up on facial tissues to handle the flood of tears that are on their way," laughs Villasenor.
He should know; he has 3 BIOVIDEOs of his own to watch with 3 growing daughters ages 5 to 8.
BIOVIDEO forms long-lasting relationships with new parents through the creation of a video of their baby's first day of life, gifted free of charge before they leave the hospital. BIOVIDEO captures priceless moments and creates long-lasting emotions. For further information, please contact us at (210) 601-7852 or firstname.lastname@example.com.
Website: http://www.biovideo.com
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Sports are a great way of keeping fit and healthy, however there is also the risk of injuries from taking part in all sports. Most of the time injuries are not too serious and may require a few sessions to decrease the pain, and restore movement and strength. Rarely are sports injuries serious enough to require further medical attention like surgery, but if this is required it is vital to commence a rehabilitation program to restore strength, range of movement and proprioception while decreasing pain to get you back to your previous level of sports performance.
At Raynen Therapies will will focus on decreasing your pain levels initially, while also increasing both your range of movement and strength of the joints and muscles in both the painful joint and the other joints around it. To do this we will use an assortment of treatment techniques including Interferential current, massage, ART, acupuncture, stretches and strength exercises. Your treatment plan will be custom made to remedy your issues.


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Your Volkswagen dealership isn't the only place to buy genuine or original equipment quality parts to repair your Scirocco. Anyone who operates a Volkswagen knows that when it comes to maintaining their car, truck, or SUV only the most superior replacement parts will do. Volkswagen car, truck, or SUV owners have come to expect a certain level of German engineering when driving their Scirocco around town. Make no mistake, you didn't buy your Scirocco unless you understood you would be getting dependability and long-lasting service both rolled up into one car, truck, or SUV.
You can't get maximum power and fuel economy together without the best air intake and fuel delivery parts. Located inside the gas tank is your Volkswagen Scirocco fuel sending. The fuel sending unit provides an outlet pipe for the fuel that your engine demands, and sometimes includes a return pipe for any unused fuel to come back to the gas tank. All fuel sending units have a float attached to an arm on the unit that goes up and down as the amount of fuel in the tank changes. A resistor connected to that arm modulates a signal sent to your Volkswagen Scirocco fuel gauge showing you just how much gas is in there.
Don't let a broken Fuel Sending Unit spell the end of your car, truck, or SUV, and don't risk lowering its resale value by buying anything but the highest quality replacement parts. Given all the hassles associated with performing maintenance on your car or truck, let www.carpartsdiscount.com be the number one store you go to make buying it easy. When your Volkswagen needs a top quality replacement Fuel Sending Unit, there's no need to waste time looking anywhere other than the authority, Car Parts Discount. When it comes to Volkswagen Scirocco Fuel Sending Unit parts, you can find them for 1988, 1987, 1986, 1985, 1984, 1983, 1982, 1981, 1980, 1979, 1978, 1977, 1976, 1975 models by clicking the appropriate year below.


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Classify by: title | author | release date
The album "snowmelt" is Neset's most ambitious, cherished and personal project to date. In these concentrated works, Neset has sought out chaos and dissonance, he has also been drawn to lyricism and tenderness, and then worked at finding a balance between the extremes, using compositional methods which subliminally bring out the continuities between them. Neset says of this work that he aspires to is to "find the point when everything makes sense." For the listener, the search for that point will bring its own rewards.
The 6th edition of the celebrated concert series live from the Berlin Philharmonie: Earthy blues from Norway, jazz and folk: this high-calibre celtic-nordic connection is aware of its roots and creates its very distinct and new musical cosmos
"David Helbock is one of the most exciting players of the young European jazz scene. The listener experiences something new when he plays. And it's never 'top-heavy' music - it's music that thrills the body and the mind" (Roland Spiegel - BR Radio)
Adam Bałdych is probably the best living violin player in jazz today.
Together with the Helge Lien Trio he combines the influences of jazz, Polish and Norwegian folk and popular modern music. An album full of melody and outstanding musicianship.
A jazz tribute to John Lennon. With his solo piano versions of the music of John Lennon and The Beatles, the Finnish pianist Iiro Rantala succeeds in preserving the soul of these timeless, immortal songs while at the same time adding something totally new to them.
Out of the ordinary: An unusual set-up leads to jaw-dropping inventiveness.
"Invisible Man" is like a single film, a road-movie full of atmosphere, in which strong characterful melodies determine the plot. Whether being entertaining and exciting, or profound and contemplative, Avara definitely stirs the big emotions.
Jukka Perko: saxophones, Jarmo Saari: electric guitar, Teemu Viinikainen: acoustic guitar
Unfamiliar combinations in music can lead to surprising, captivating results:
"Logos" is the meeting of two of the major guitarists of our time, two very different characters with both respect and curiosity for the other's music. They work so well together because each musician symbiotically extends the ideas of the other, and creates context and validity in the moment.
Gerardo Nunez: guitar, Ulf Wakenius: guitar, Cepillo: percussion, Cancun: voice, Carmen Cortes & Isabel Nunez: palmas & jaleos
Jan Lundgren: piano, Mattias Svensson: bass, Claudia Bonfiglioli: violin, Daniela Bonfiglioli: violin, Karolina Weber Ekhdal: viola, Charlotta Weber Widestrom: cello


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Macros for validating data in excel Random chat cums
The only possible way around this is to use a macro to head off pasting into certain areas of the worksheet.
A good way to do that is found at John Walkenbach's site: is your source for cost-effective Microsoft Excel training.
Draw-Back However, when we do the above we must either scroll to the needed item in the Validation list, or type the whole word.
What would be really nice is if Excel would Auto Complete based on our list!
Allen Wyatt With more than 50 non-fiction books and numerous magazine articles to his credit, Allen Wyatt is an internationally recognized author. John Walkenbach's name is synonymous with excellence in deciphering complex technical topics. Spreadsheet" shows how to maximize your Excel experience using professional spreadsheet application development tips from his own personal bookshelf.
He is president of Sharon Parq Associates, a computer and publishing services company. Check out To force the user to allow macros to run, I hid all the tabs except one which I call "Welcome", which just has a message that the workbook needs macros enabled to run.
You can work with any simple list or download the demonstration file.
Melissa has discovered what some have called the "Achilles' heel" of Data Validation—you can paste over cell contents and thereby destroy whatever Data Validation rules were in the target cells.
You can hide the temporary value by just changing the color to white.
Excel's data validation feature lets you embed a drop-down list into a sheet.
You can populate that list in many ways, but a static list is probably the easiest.
If you update the list frequently, the feature's list is inadequate.
Melissa uses Data Validation regularly to limit what can be put into a cell.


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160930 Jessica @ Louis Vuitton Store Openning in Taipei || 206 files 31 folders. Total size of 99.7MB || Compiled by sweetdelight418@twitter || Disclaimer: For personal use only. Do not edit and remove watermark. Do not re-upload. Provide proper credits when taken out of SweetDelight.


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Very Simple Project Management 3
We've covered the simple definition of project, we've introduced the project triangle, and gave you a sense of time and project management. In this third post Broadcast Newsroom Computing looks at cost – another side of the project triangle.
Typically we all think of cost in terms of money. We are correct do so because everything has a monetary cost. Cost is important and it's directly tied to the foundation of the project triangle. Cost is most dependent and controlling in project management. We're attempting a very simple explanation of a very complex science. Cost is extremely important, simply put.
Remember in the last post I introduced the concept of elasticity. Cost is often the most difficult of the three sides and causes the most reaction when elasticity comes into effect.
Now that you are sufficiently cautioned about cost. Let's look at it in simple terms. Cost is:
- funds
- people
- equipment
- materials
- utilities
- facilities
- any resource needed to complete the scope or work
How much money or time you spend are part of the cost but the whole can be deceiving. Let's say a colleague agrees to prepare a master slide for your presentation. Simple and easy and no expense. Creating the master slide is a task involved in your assignment or project and while you may have avoided a direct cost there was one. How much time did your colleague invest at the cost of something else? What tools and resources did they deploy that may have been used elsewhere? Everything costs. The project manager has to determine the cost to their express goal.
So just keeping and maintaining a budget is the wrong way to control costs. A PM handles everything that affects the budget. That's cost. If you really want to see what a science project cost is then check out this online eBook. You'll see why KISS is what you like.
In the next post of Very Simple Project Management BNC examines the foundation of the project management triangle and the raison d'être.
James Rowe


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651-282-9999800-657-35948:00 a.m.- 4:30 p.m. Mon.- Fri.Email
1. Internal Revenue Service (IRS) Information – Approximately two years after federal tax returns and information returns (ex. Forms W-2, Forms 1099-MISC, etc.) are filed, the IRS compiles a record of federal return information and sends it to the Minnesota Department of Revenue (under authority of Section 6103(d) of the Internal Revenue Code). This may include any processing adjustments (corrections) or audits conducted by the IRS. After receiving this information, your state tax return(s) may be adjusted or selected for audit.
2. Department of Revenue Review – Minnesota also does its own comparison of available data to see if there are any errors, discrepancies or other problems with previously filed state returns.
The Department of Revenue has 3½ years after a return is due or filed, whichever is later, to audit your return.
If you have been selected for an audit, the assigned auditor will likely contact you for more information. You may also be required to schedule an appointment to meet with the auditor.
Some audits involve only minor problems or errors that can be corrected without a meeting between the taxpayer and a department representative. Common taxpayer errors include:
Once your return(s) have been selected for audit, the Department of Revenue will contact you to either request additional documentation or set up an appointment.
To help us determine the correct tax for the return(s) we are auditing, we will need to examine any books, papers or records, which may include:
You will be provided with clear and concise explanations of all adjustments to your tax liability.
If you disagree with the audit, you may appeal informally to the Department of Revenue or formally to the Minnesota Tax Court. An appeal must be filed within 60 days of the date on the audit report. Information concerning your rights and responsibilities regarding the audit and appeal process is included in the tax order sent to you.
If changes to your tax liability are based on adjustments by the IRS and the adjustments were successfully appealed, file a Minnesota appeal including all IRS documentation showing that the IRS reversed or altered their original audit.
If you decide the audit is accurate, you should review returns filed for subsequent tax years to determine if similar errors were made on those returns.
When it appears that you were required to file a Minnesota tax return and no return was filed, the state may file a CFR to stand in place of your missing return.
2. File a return that shows the correct tax liability within one year of the CFR being filed.
Once a CFR is filed, it becomes the official record of tax you owe. Collection actions may be taken until you either pay the amount in full or file a return indicating that you owe a lesser amount. If you believe that you are owed a refund, you must file your return within one year of a CFR being issued and within 3½ years from the due date of the return. For example, you file a third quarter 2007 state withholding tax return on June 1, 2011, to replace a CFR that was filed on May 20, 2008. Your return indicates a refund. However, since it was filed on June 1, 2011, you are not entitled to the refund because both time frames have expired. The one-year CFR deadline expired May 20, 2009 and the original filing period expired April 30, 2011 (three and a half years from the return due date).
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