text:
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C: \ Games & Entertainment \ Puzzle & Word Games \ OTTF 2.5
OTTF 2.5 - Detailed Description Page
Program ID:
Falco Software Company All programs by this author
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OTTF (One Two Three Four) - a logic game where player have to place the checker as shown in the game template.
The game has two game modes: the play for time (Online Highscores) and free mode. There are 70 levels in the game.
Pleasant music (F6 - Music track back / F7 - Music track forward).
Keywords: freeware, free game downloading, freeware games, Freeware, Games & Entertainment, Puzzle & Word Games, Falco Software Company, OTTF
Recent Changes: - New Version.
Install Support: Install and Uninstall
Supported Languages: English
Additional Requirements: Windows 95/98/ME/2000/NT/XP/2003/Vista/W7, 16 MB RAM, Pentium-133 MHz, 2 MB hard disk space
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This is the first edition of my monthly columns. I hope you find the articles informative and enjoyable. Feel free to let me know either way.
This is the first edition of my monthly columns. I hope you find the articles informative and enjoyable. Feel free to let me know either way.
Did you know that I am Lynn Mason, Chairperson of the Ionia County Democratic Party?
First off, let me say that I appreciate the opportunity to contribute. Now, for those of you who read the previous sentences and have already decided that you are going to stop reading, I want to say thank you for taking the time to get your hands on a newspaper!
Whether you are reading this the old-fashioned way with the actual paper in your hands, or if you are reading it electronically, thank you! You have chosen to enrich your mind and take the opportunity to learn about this wonderful Ionia County and the surrounding communities. Good job! Now teach this skill to someone younger and less experienced than you are.
My goal with these articles is simply informative. I will write about issues that our members have deemed newsworthy and interesting.
As our first meeting got under way this year, we decided that we needed a focus. That focus is "Community." As you know the talk of guns and violence prevention continues in virtually every dining room, coffee house, chat group, or news broadcast since that horrible tragedy in Connecticut. It is time that we change the discussion by looking at it from the "Community" point of view. So, as the year moves quickly on, you will be able to see our members at work sharing, volunteering, and educating people about "Community."
There was a time when Americans were challenged to ask not what their country could do for them, but what they could do for their country. However, in recent years, we seem to have become less interested in looking first to the needs of others – especially the needs of the most vulnerable – and more interested in meeting only the needs of ourselves. America is always at its best when we ask, "What can I do to give back?" rather than, "What is in it for me?"
What is in it for you if you become involved in the Ionia County Democratic Party? You will have the chance to give back, a chance to learn how to be a better neighbor, and a chance to be around others who want the same opportunities. We meet on the second Saturday of each month at the Ionia City Hall building starting at 9:30. Hope to see you there!
"It is not fair to ask of others what you are not willing to do yourself."
— Eleanor Roosevelt
Lynn Mason, Chairperson
Ionia County Democratic Party

subset: commoncrawl


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1. Download driver Epson WorkForce Pro WF-2520 printer.
The following is all of driver Epson WorkForce Pro WF-2520 printer:
Download driver Epson WorkForce Pro WF-2520 printer for windows operating system
Link Download driver Epson WorkForce Pro WF-2520 printer for MAC OS
2. what is driver of printer?
Driver of printer is an software interaction between printer and computer.
Software printer support computer can be communication with printer by USB cable. Computer will be odered printer perform printed page and the status of printer will show on the smart panel (status windows) of computer as well as display the error message. For example: Toner low, Toner empty, Toner exhausted, LSU error, Fuser error, Scanner error …
3. Install driver of Epson WorkForce Pro WF-2520 printer guide
Step 1: Extract the file driver
Step 2: Perform with 1 in 2 the way: StartDevices and Printers or Control PanelHardware and SoundDevices and Printers
Step 3: Click mouse to "Add a printer"
Step 4: Waiting until the "Add printer" windows shown on and click mouse to "Add a local printer"
Step 5: On the Choose a printer port page (attenion: choose port that printer in use correctly), and then click Next.
Step 6: On the "Install the printer driver", choose "Epson" and finding the printer name correctly.
If you don't find it, you should press to "Have disk" and then Browse to file .inf (driver printer downloaded)
Step 7: Wait to finally and click to "Finnish" to complete installation driver for your printer.


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« Back to people
Kevin RussellAlumni, Class of 1992
resume: www.linkedin.com/in/kevinrussell/
Enrolled into ITP Winter of 1989, and graduated 1991. After years as an audio engineer for music, TV, film and advertising, I focused on designing and development of interactive music + spatialized audio => simulation/virtual world environment design into what is now called serious games. I still haven't found what I'm looking for. In 2007 while in London, I founded a transmedia startup company to develop simulation-based media properties and formats. Since 2003, emerging commercial space industry has continued to be the focus. After 10 years in the UK, in 2008, I moved back to the US and have subsequently looked for opportunities in healthcare, education, energy, transportation, and environment industries.


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Welcome to the website of Rick Wakeman, keyboard maestro and perennial grumpy old man.
The site contains vast amounts of info about Rick, dating back many years, so we invite you to explore and enjoy
The site has been tested in all major browsers and should work well on mobile devices.
|Here are the votes we have recorded for Vince Sinta
|The Myths & Legends of King Arthur & The Knights of the Round Table
|The Six Wives of Henry VIII
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|Catherine of Aragon from The Six Wives of Henry VIII


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A Minnesota woman turned 110 years old on the same day that a woman in the same care facility turned 101.
A Minnesota woman turned 110 years old on the same day that a woman in the same care facility turned 101.
Ruth Andreasen turned 110 at the Stewartville Care Center on Friday, making her one of the oldest people in Minnesota, said Sharon Bernard, the center's activities director. Andreasen shared her birthday party with Lucile Voeltz, who was turning 101.
Both women are still mentally alert and attribute their longevity in part to their faith, according to a Rochester Post-Bulletin report (http://bit.ly/XvWhaK).
The two ladies talked with reporters and smiled at the cards, gifts, balloons and flowers on their table. They especially seemed to relish the cake and ice cream.
Andreasen "is a special person to live to 110 and still be able to function," said Wilma Menshik, Andreasen's first cousin. "Sure, she needs a lot of help, but she knows who I am, she always says to tell George (Wilma's husband) 'hello' when I visit. That's outstanding."
Andreasen's daughter, Jane Hoeft, said her mother has nine grandchildren, 19 great-grandchildren and eight great-great-grandchildren. Ruth Andreasen was born in 1903 and married a World War I veteran in 1923.
Hoeft said her mother believes she lived so long because "she never smoked, never drank and has a strong faith."
Voeltz beamed throughout the party. She had worked in a window-shade factory after World War II and later at a resort in Brainerd. She and her husband also ran a farm.
She has two children, three grandchildren, two great-grandchildren, and a great-great-grandchild due in March. Her daughter, Lois Esterrich, said Voeltz's secret to a long life was "living day-to-day with God."
Bernard is mentally acute and is a formidable competitor in the care center's games, Bernard said.
"She's very sharp," Bernard said. "She wins our spelling bees and our trivia contests."


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- New
Olaplex Traveling Stylist Kit 1set, 3pcs
Olaplex Traveling Stylist Kit 1set, 3pcs
- Olaplex Traveling Stylist Kit includes: Bond Multiplier No. 1 (3.3oz / 100ml x 1pc) Bond Perfector No. 2 (3.3oz / 100ml x 2pcs) A dosing dispenser Olaplex Traveling Stylist Kit has the following features: A two-step treatment that rejuvenates damaged, fragile, lifeless hair whether from blow drying, curling irons, brushing and/or color, texture and straightening services. It can be performed on all hair types, virgin to extremely damaged. Your hair will be healthier, shinier, and more controllable. Free of silicone, sulfates, phthalates, DEA, aldehydes, gluten and is never tested on animals.
How to uses
- Bond Multiplier No. 1 Directions of Use:Before installing dosage dispenser, shake lightly. Due to the dilution of Olaplex into your bleach, increase your developer one full volume. 10v to 20v, 20v to 30v, 30v to 40v. Do not increase for scalp bleach. Do not increase for base color. Use caution with heat. Pay careful attention to size of scoop marked on bottom included with bleach powder.Mix your bleach or color thoroughly first, before adding and mixing Olaplex.
- You may add more bleach powder if consistency is too thin.Add 1/8oz (3.75ml) of Olaplex to everything including all Base color, Gloss, Toners, any quantity of bleach for Balayage, or using under 1oz (30ml) of bleach powder for highlighting in foils.Use 1/4oz (7.5ml) of Olaplex only when mixing 1oz (30ml) or more of bleach powder for bleaching in foils.After rinsing highlights or colour from hair.
- Do not shampoo. Towel dry hair thoroughly and apply Bond Perfector No. 2. Follow instructions on Bond Perfector bottle.Bond Perfector No. 2 Directions of Use:Rinse highlights or color from hair. DO NOT SHAMPOO.If applying gloss or toner, apply and process. (You can shampoo first, but it is recommended to wait until after).Rinse and towel dry thoroughly.Apply 1/2oz (15ml) of Bond Perfector from roots to ends. Comb through well. Leave on for a minimum of 5 minutes. For damaged hair, leave on for at least 10 minutes. It
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More than 50 Laurel Park residents met Tuesday evening at First Congregational Church in Laurel Park for an update on the development of the 6.5-acre Rhododendron Lake Park.
More than 50 Laurel Park residents met Tuesday evening at First Congregational Church in Laurel Park for an update on the development of the 6.5-acre Rhododendron Lake Park.
The gathering didn't involve a formal presentation by Laurel Park officials, but allowed residents to tour various exhibits that explained how the park is progressing.
Laurel Park Parks and Greenways Board Chairman George Banta said the project is broken into three phases, with the first already complete. Phase one involved relocating a stream that ran too close to Lake Drive, creating an erosion problem along the roadway.
"The stream restoration stabilized the stream's banks," he said, adding that it was finished about six weeks ago. "The area will be less subject to erosion now. Considering all the heavy rains we've had this season, the site has held up remarkably well."
The cost of the stream relocation and restoration was $250,000, funded through a conservation easement from French Broad Mitigation Partners.
Phase two involves restoring Rhododendron Lake to its previous glory.
"For years now that lake has been building up silt in it and it's now surrounded by dense vegetation, so we'll be removing the silt," Banta said. "We're also improving the flow rate of water in and out of the lake to improve the water quality and make the lake a little bit deeper and make the water more conducive to a healthy fish habitat. We submitted a cost-sharing grant to the state for somewhere in the neighborhood of $130,000. We haven't heard back from them yet on whether they've accepted our proposal or not, but we expect to hear back from them in the next month or two."
Phase three "is the part of the overall project that the townspeople will have the greatest input into," Banta said. "We want to design that part off the park to meet the needs and desires of our residents. We surveyed residents back in April of this year and the top five requested items were walking trails, benches, lake/wetlands restoration, open spaces and trash receptacles."
"We don't have a total cost for phase three yet," he continued. "That's our next project, is to put some costs together on that and probably apply for a state Parks and Recreation grant."
At the meeting, Hendersonville landscape architect Hunter Marks showed residents his conceptual diagram of phase three.
Between chatting with residents, Laurel Park Mayor Carey O'Cain said, "Today would have been my father's 100th birthday, so I'm going to donate to the park in his honor. Donations are examples of how individuals can recognize someone and donate to the park" at the same time. "My wife and I will be making donations to the town of Laurel Park for the purpose of accelerating the maturity of the landscaping. In recognition of appropriate donations, contributors will have names etched into a stone face. This memorial or recognition area will be incorporated into the overall design of the park, close to the park entrance, and will help explain the funding and the history."
Resident Keith Maddox said he was a Laurel Park commissioner for eight years, during which the property was purchased with an eye toward future development.
"The park is going to be a phenomenal thing, especially if we can tie it in to the Ecusta Trail," he said.
Resident Edward Lilly said he was looking forward to using the park to "burn off some energy" in regard to his four sons, ages 4 to 9.
"I'm looking forward to letting them run in the new park, taking walks, fishing and having fun family time together," he said.
Laurel Park Commissioner Dona Mennella said she thought the new park plans were "great."
"We've been trying to do something with the property for a long time," she added. "When we started out, there were people who walked in the area (of Rhododendron Lake) who said they didn't want anything to change."
Commissioners surveyed the residents several times and "we tried to incorporate the things they wanted the most. People will be hard pressed to say it didn't turn out the way they wanted."
Rebekah Robinson, administrative director for the Carolina Mountain Land Conservancy, was also on hand at the meeting.
"I think the plans are great and that they (Laurel Park officials) are doing a really responsible job getting all of the community feedback to make sure the park will be a valuable asset for the town. The property has already come a long way with the stream restoration," she said.
Laurel Park Commissioner Paul Hansen said the ultimate goal is to connect Little Laurel Green park, across from the town hall, with the Rhododendron Lake Park. The span between the two is about eight blocks, he estimated.
"It's a matter of finding an easement that will connect the two parks," he said.
Connecting the parks is "not our first priority, but it's an ultimate goal. Right now the easiest way to get it done is to put in a sidewalk along Laurel Park Highway to Primrose Lane to Rhododendron Lake Park. Tonight, we are just very pleased with the reaction from the community. The park is a great asset for the people of Laurel Park."


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Back in 1985 – when Aquanet fogged up school locker rooms and kids could be found break-dancing on a broken-down cardboard box in the hallways between classes – the must-have holiday gift was a massive boombox. We're talking about 5-band graphic equalizers, dual cassette decks with high-speed dubbing capability, and faux-chrome accents. If you were lucky, the thing only weighed 50 pounds once you loadied it with 10 D cell batteries which lasted maybe a couple of hours before fading out. But, damnit, you would lug that thing around on your shoulders bumpin' Run-D.M.C like it was no big thing.
Thankfully, those days are over. Today, wireless, portable speakers come in packages so compact, you can fit 'em in a fanny pack – not that you would ever do such a thing. What is this, 1993?
Check out the J-Lab Crasher. It's a colorful Bluetooth wireless speaker with a built-in, USB rechargeable battery that will pump up the jam for nearly 18 hours straight. And the best part of all: We're giving one away.
Just leave a comment below telling us what old-school jam you want to blast with your new JLab Crasher and which color combo you want – Miami purple/mint, sport gray/yellow, air aluminum/white, or midnight black/gunmetal. In one week (that's December 24th, folks), we'll select a winner, close the contest and announce the winner.
Be creative, make us smile, and good luck!


text: This news item expired on 10/31/2013, so the information below could be outdated or incorrect. Mountain's Most Wanted - October 2013 Crime Stoppers is an important way for Buncombe County citizens to get involved with keeping the community safe and crime free. Tips from anonymous callers are invaluable for law enforcement officials to find and apprehend suspects. If you provide information that leads to an arrest, you could get a cash reward. This video features the most wanted in Buncombe County, showing pictures and physical descriptions of each suspect. Contact Crime Stoppers at 255-5050 or email them at firstname.lastname@example.com.


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How to make ESL power optimisation a reality
Keywords:power optimisation high-level synthesis RTL
Thus far, power optimisation efforts have centred on RTL models and gate-level netlists, which are not sufficient for achieving optimal power savings. Optimising for power should occur at all levels of design—from architecture to board. It is at the architecture, or electronic system level (ESL), where the potential for power savings are the greatest. Indeed, the opportunities for optimising low power are significantly higher at the architectural level of abstraction—with as much as a 10X improvement over gate level optimisations. Yet, ironically, this is where low power methodologies and tools are the weakest. This deficiency drives the need for tools that not only allows designers to explore the best architecture for power at a higher level of abstraction but also automatically implements lower level transformations, like sequential clock gating, in the RTL produced.
The answer is found in the integration of high-level synthesis (HLS) and power analysis to create a new HLS product capable of optimising across three dimensions—power, performance and area (PPA). HLS allows designers to synthesise different RTL architectures from C++ or SystemC electronic system level (ESL) models. The different hardware architectures are generated through user constraints which specify such things as clock period, resource limitations, IO protocol and the level of desired concurrency. Such a low power HLS solution can implement a generous range of low power techniques into synthesised RTL; including bit-width optimisation, multiple clock domain partitioning, memory access minimisation, resource sharing, frequency exploration, power gating, and clock gating.
In this article, we will discuss, in general, the ESL to RTL low power design flow, and then share the results of two case studies using real customer designs to evaluate the efficacy of a unique solution for ESL synthesis and power architecting.
Seven basics of architectural power exploration
There are seven basic concepts that designers should focus on when looking for ways to save power, while satisfying performance goals, during architectural exploration.
1. Numerical refinement: The first design step for controlling power is numerical refinement. Algorithmic C bit-accurate data types support arbitrary precision, allowing designers to specify any desired bit width for both integer and fixed point data types. SystemC data types can be used interchangeably. At higher design abstraction levels, this allows using only numbers represented by a minimum number of bits to minimise area and power and remain within error tolerances.
2. Interfaces: If a design's interface is hammering the bus or memory, the designer can expand the bit-width of the interface to do several read and writes at once and store the data locally. In pure C++ designs, this can be achieved simply by using HLS interface synthesis technology without modifying the source code. In SystemC, constraints may work in limited cases but can always be implemented by changing the source code.
3. Memory architecture: For many algorithms, power, performance, and area are highly dependent on memory architectures. For example, a FIR filter can be implemented using a shift register, a rotational shift register, or a circular buffer (figure 1).
Figure 1: Filter tap implementation in FIR filtering.
A shift register based implementation can consume higher power at higher frequencies because all taps will switch with each shift. This is typically suited for filters with a smaller number of taps and gives the highest performance.
Rotational shift is an intermediate solution. This removes the MUX feeding the multiplier. This becomes a bottleneck as the number of taps becomes larger. Rotation occurs as part of a MAC loop after the +=. A circular buffer based implementation is good for a filter with a large number of taps and is ideal for mapping into a memory. This uses one pointer to set a write point (advances forward) and another pointer to set a read point (decrements in reverse to round the array).
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AEV Conversions | American Expedition Vehicles
When only the best will do. AEV has been manufacturing high quality Jeep products for over 15 years. When the 2007 Jeep Wrangler JK was released, AEV was the ONLY brand with the technical expertise to design and manufacture a proper lift kit. Since then, they have been known for producing the highest quality Jeep products available on the market including, bumpers, wheels, accessories and more for your Wrangler.


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Detroit's emergency manager, Kevyn Orr, defended his decision to take the city into bankruptcy. The most contentious issue regarding the city is what bankruptcy protection could mean for the pensions of some retired city workers.
In a blunt interview with All Things Considered's Robert Siegel, Orr said that saying retirees will receive no money is false.
"We're just talking about adjusting them to today's realities," said Orr.
Robert pressed him on a number: Will it mean that former city workers will receive 50 percent, 75 percent of what they thought they would get?
Orr refused to give a number. Robert also asked him about complaints that the city is reneging on contracts it had made with its workers, who are not to blame for the financial mess the city is in.
"Workers are caught with that reality, but also they voted for the leadership of some of their pensions," said Orr. Essentially, he said, "the birds have come home to roost."
Robert followed up: "So you're saying the residents of Detroit should be held accountable for the people they elected all those is years?"
Orr replied: "No I don't want to be quite that harsh in my assumption. I'm just saying there were many indicators and warning signs that could have been corrected over a number of years and I don't want to blame the victim, Robert.
"But I want to say, it doesn't matter what happened in the past. A retrospective, looking behind us isn't productive, what matters is where we are now."
And that means the city is drowning in financial obligations.
"There is no money," Orr said. "It doesn't matter what I say, it doesn't matter what we look back on, there's just no money."
Much more of Robert's interview with Orr will air on today's All Things Considered. We'll post the as-aired version of the interview later today.
Kevyn Orr, the bankruptcy lawyer who is Detroit's emergency manager, joins us now. Welcome to the program.
KEVYN ORR: Thank you, Robert. Thank you for having me.
SIEGEL: And let's start with that big chunk of Detroit's debt that consists of unfunded pension liabilities. They are pensioners, as you say, they worked under contracts that guaranteed their benefits. Should they now assume that those guarantees are trumped by fiscal necessity?
ORR: No, not necessarily, Robert. I mean, we're very sympathetic and empathetic to their plight. What we're talking about, in our proposal, is only the unfunded portions of those pensions; and the general service fund may have a little bit more underfunding than police and fire. So that's the portion we're really talking about.
There's a lot of talk about there's going to be no pensions, and that's not true. Those pensions actually have assets in them. We're just talking about adjusting them to today's realities.
SIEGEL: Adjusting them downward by 10, 20, 30 percent?
ORR: We don't know yet. I mean, that's part of the dialogue we have to have - are the calculations, and there are various ones that go into determining the value of a pension and what the liabilities are going to be in the future. But it appears it's going to be the necessity for some level of adjustment. We just don't know how deep.
SIEGEL: Is there any level that you would find outrageous? I mean, 50 percent cuts in pensions, is that out of the question, off the board?
ORR: No. I sort of have to divorce myself from any preconceived notion. I mean, it's just a question of the math and dealing with the realities of where they are now. You know, over the past couple of years, you know, between the way the pensions were handled and some of the investment decisions that were made and frankly some underfunding by the city, we're just left with a mess and that's a whole bunch of people's faults but that's just a reality today.
SIEGEL: You've said that there've been warning signs of Detroit's demise for 60 years. Sixty years covers the working careers of most of the city's pensioners. If they'd been told when they first went to work, you'll have a pension, but maybe not, or maybe not as much as we say now, Detroit may not have had any employees all these years. Why can't they say, look, I gave my labor, part of the deal was a pension and that's the level we negotiated?
ORR: You know, that's a very common sort of a response, but, Robert, when we say 60 years, the demographic decline, the ups and downs of economic cycles, but more acutely, just say in the last decade or so, not paying attention to the funding levels that you were going to need and making decision even within the pension funds themselves that turned out to be not so appropriate.
So there were many times in that timeframe to adjust and to react, as you know, Robert, between - you know, economic cycles run seven to 10 years and you adjustments. And unfortunately, for a whole host of reasons, a number of people did not make appropriate adjustments and left us with the situation we have today.
SIEGEL: But I'm sure you hear from pensioners that, you know, you're talking about mayors and councilmen and state legislators, not about the workers themselves.
ORR: Well, you know, the workers, in a sense, you're right, you know, they're sort of caught with that reality, but also they voted for the leadership of some of their pensions. I mean, Robert, you've done stories on Detroit before and you've heard about numerous members and sometimes the attorneys representing them ended up going to jail for graft.
So these were indicators that even the most casual observer, but certainly someone who is interested in the pension process, you know, probably should've looked at it a little bit harder and wondered how they were being managed and then, unfortunately, birds have come home to roost now.
SIEGEL: So you're saying the residents of Detroit should be held accountable for the people they elected all those years, is what you're saying?
ORR: No. I don't want to be quite that harsh in my assumption. I'm just saying there were many indicators and warning signs that could've been corrected over a number of years. And I don't want to blame the victim, in a sense, Robert. But I want to say it doesn't really matter what happened in the past. I mean, a retrospect of looking behind us isn't productive.
What matters is here's where we are. In unfunded health care liability, we're at 5.7 billion. In unfunded pension liability, we're at about 3.5 billion. There's not money. It doesn't matter what I say. It doesn't matter what we look back on. There's just no money.
SIEGEL: Can you tell me, do you foresee at least a transitional period for Detroit during which the state is doing its borrowing on behalf of the city? That is, can Detroit go from bankruptcy to borrowing, or do you need some interim condition where the credit of the state of Michigan will have to be invoked to get any new borrowing done?
ORR: No. I don't foresee that, Robert. I mean, we've already reached a settlement with some of our prior lenders that enhances our credit worthiness and our cash flow. And even as I speak, we're working very closely with some of our existing creditors to rehabilitate the city and some of them are already considering that that will make the city more credit worthy. So I'm operating on the assumption that hope is not a plan, nobody's going to come in here, that we have to stand on our own.
SIEGEL: But just for the record, you're not credit worthy now, are you, in Detroit? Isn't it pure junk, Detroit bonds right now?
ORR: Well, our bond ratings have been lowered, that's true, but to the extent we have increased cash flow, we're already seeing some lenders come in and talk to us about possible other funding.
SIEGEL: At what rates...
ORR: So there is some credit worthiness.
SIEGEL: What rates would you have to pay to borrow money?
ORR: Well, no, at competitive rates, believe it or not, Robert. I mean, Robert, you have to understand. Lenders are remarkably rational. If you can pay your bill and you're rehabilitated, they want to make sure that they - that's business. That's good business and that's what we're aiming for.
SIEGEL: Kevyn Orr, emergency manager for Detroit's finances. Thank you very much for talking with us.
ORR: Thank you for having me. Transcript provided by NPR, Copyright NPR.


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Pioneer Woman's Cheesy Garlic Bread, but that never happened. I also have a generous supply of free farm fresh eggs, courtesy of my horse's ranch where she lives. An idea was born!
Borrowing a method I use to make homemade strawberry jam, I cooked the berries with sugar, a pinch of kosher salt, lemon zest, lemon juice and a pat of butter (the butter prevents foam from building). I added 1/4 cup of water and brought this to a rolling boil.
These berries are huge! My son bought them at a road stand, and I thought they looked a little worn for wear. These would be perfect. I used an 8 oz package of cream cheese, 1/2 cup powdered sugar, the zest of an orange, real vanilla, a pinch of kosher salt and, of course, strawberries. I chose six HUGE berries. My food processor did the hard work for me. I set that aside.


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'Cats win 56-39 over Vikings, go to 4-6 on the season
Sometimes it is not about how a team plays but whether they get the victory. That was how the Taft varsity boys basketball team was feeling Friday morning when they defeated the West Vikings 56-39 in the first game of the Taft High tournament.
With the victory, Taft improves to 4-6 on the season.
Edtmer Medel got the Wildcats going with a layup 57 seconds into the seven minute first quarter. The Wildcats followed with a 4-2 run to lead 6-2. Taft would later in the quarter build an 11-5 lead but in both cases West countered with a three-pointer to close the gap. Danny Romo followed up with three pointer with 30 seconds left but the Vikings answered with a three-pointer right before the buzzer.
The Wildcats nearly put the game away in the second quarter by holding West to four points. Meanwhile, the offense answered with 19. At one point in the second quarter Taft held a 27-15 lead on Steven Gee's layup.
West fought back to cut the deficit to 13 early in the third quarter but the Vikings were held to five points the rest of the quarter. Taft on the other hand rebounded by scoring 12 points to lead by 20 at the end of the quarter.
Like the previous quarter, the Vikings fought back to trail by 12 with 5:04 left, but West wouldn't score their final six points until the final 1:21 of the game. In the meantime, Taft scored 11 points to win by 17.
Gee led Taft in scoring with 21.
Taft returns to action this afternoon to play Paramount Bard at 3 p.m. Taft plays Strathmore Saturday morning at 10 a.m. and Granite Hills at 3 p.m.
Note: To read the full story on how the team did in the morning game and rest of the tournament, pick up Tuesday's Driller. Check in with www.taftmidwaydriller.com for the latest updates.


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Frankenweenie in 3D
Academy Award® Nominee
A heartwarming tale about a boy and his dog. After unexpectedly losing his beloved dog Sparky, young Victor harnesses the power of science to bring his best friend back to life-with just a few minor adjustments.
He tries to hide his home-sewn creation, but when Sparky gets out, Victor's fellow students, teachers and the entire town all learn that getting a new "leash on life" can be monstrous.
Starring Catherine O'Hara, Martin Short, Martin Landau, Charlie Tahan, Atticus Shaffer, Winona Ryder, Christopher Lee
Directed by Tim Burton
Running Time - 1:27
Genre - Comedy
Opened in Theaters - Friday, October 5th, 2012 (2144 days ago)
aka Frankenweenie in Disney Digital 3D
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Fire destroys McMinnville-based beekeeping operation
Loss placed at $2 million
(Paul Daquilante / N-R Reporter) AMITY — An early Saturday morning three-alarm fire caused an estimated $2 million in damage to Van Calcar Apiaries Inc., a McMinnville-based commercial bee keeping operation.
"It's a pretty big blow," owner Nick Van Calcar said. "I lost a lot of money, a lot of stuff that I have put a lot of work into over the last 13 years."
Firefighters from multiple agencies responded about 1 a.m. to the fire at 10930 S.W. River Bend Road, northwest of Amity and west of Whiteson.
Law enforcement personnel reported they could see smoke and flames from just outside McMinnville at Highway 18 and Durham Lane. The glow of the fire and smoke could also be seen from just north of the Bayou Golf Club on Highway 99W.
Van Calcar made the first call to 911. A second and third alarm were quickly sounded, bringing in personnel from many neighboring agencies. The general fire alarm sounded in McMinnville.
Ten water tenders responded because of a lack of water at the scene, according to Amity Fire Chief Bruce Hubbard. Nine engines were dispatched. About 65 firefighters battled one of the biggest blazes reported in the Yamhill Valley in recent years.
There were two separate structures. One was two stories containing more than 9,000 square feet. Van Calcar had been living on the second floor. The second building was more than 8,000 square feet. The structures were tied together. They were constructed of wood siding and had metal roofs.
It's believed the fire started on a flatbed truck, according to Hubbard, who said the cause may not be determined because of the damage. He and three other members of the Yamhill County Fire Investigation Team — two from McMinnville and one from Newberg — were at the site Sunday. Hubbard said he believes the team has completed its work. Van Calcar said he carried insurance on the property, and Hubbard said an insurance adjuster may choose to further investigate the cause.
Fifteen people employed at the business are out of work as a result of the fire.
See Tuesday's print edition for additional details.


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Carrollton Georgia Vape Shop
About Carrollton vape shops. An electronic cigarette (or e-cigarette), personal vaporizer (PV), or electronic nicotine delivery system (ENDS) in Carrollton, Georgia is an electronic inhaler meant to simulate and substitute for tobacco smoking. There are many different brands including volcano e cig, Apollo e cig, mistic e cig, and njoy electronic cigarette. It generally utilizes a heating element that vaporizes a liquid solution. Some release small amounts of nicotine, while some merely release your desired flavored vapor. There are many brands of disposable e-cigs including Njoy, Blue disposable e-cigarettes, Fin e-cigs, and Logic disposable e-cigs. There are reusable options as well. They are often designed to mimic traditional smoking implements, such as cigarettes or cigars, in their use and/or appearance. Personal vaporizers go by many different names including a vaporizer pipe, tobacco vaporizer, nicotine vaporizer, mini vaporizer and pocket vaporizer. We sell only the best flavors on the market. Most electronic cigarettes take an overall cylindrical shape. Common components include liquid (e liquid or ejuice), a cartridge, an atomizer, and a power source. Many electronic cigarettes in Carrollton, Georgia are composed of streamlined replaceable parts, while disposable ecig devices combine all components into a single part that is discarded when its liquid is depleted.
Cartridge: The cartridge generally serves as both a liquid reservoir and mouthpiece (though some devices have separate mouthpieces). It is designed to allow the passage of e liquid or ejuice into the atomizer, and vapour from the atomizer to the user's mouth via a vaporizer pipe. Some models employ a tank that holds loose fluid, while some use a foam material to hold liquid in place. When liquid is depleted, users can refill the cartridge or replace it with another ready-filled cartridge. Atomizer: The atomizer is the central component. It generally consists of a small heating element responsible for vaporizing liquid, as well as a wicking material that draws liquid in. "Dripping" atomizers forgo a fluid reservoir or atomizer tank, instead requiring periodic manual moistening of the wick. Some people prefer atomizer vs cartomizer, and vice versa. There is a wide selection of atomizers on the market. Cartomizer: Since atomizers tend to lose efficiency over time due to a buildup of sediment, or burn out entirely, some models employ a disposable cartomizer component that also doubles as the device's cartridge. The piece consists of a heating element surrounded by a liquid-soaked poly-foam. Some people believe vaping is a best way to quit smoking. One you try our vapes, you'll never go anywhere else. Power: Most portable devices contain a rechargeable battery, which tends to be the largest component of an electronic cigarette such as logic cigarettes or krave e cig. The battery may contain an electronic airflow sensor whereby activation is triggered simply by drawing breath through the device, while other models employ a power button that must be held during operation. An LED to indicate activation may also be employed. Some manufacturers also offer a cigarette pack-shaped portable charging case (PCC), which contains a larger battery capable of charging e-cigarettes. Devices aimed at enthusiasts may sport additional features, such as variable power output and support of a wide range of internal batteries and atomizers. Inferno e cig, Apollo e cig, silver bullet e cig and hash oil e cig all offer a variety of e cig power options.
Disposable e-Cigarettes and Disposable E-Cigs
When you need an option for a night on the town the most discreet e-cigs are disposable. There are many brands of disposable e-cigarettes including Njoy e-cigarettes, Logic disposable e-cigs, Blue electronic cigarettes and Fin disposable. The disposable versions of electronic smoking often look very similar to a traditional cigarette and after the e-juice in the cigarette has been used then the device is discarded. Throwaway e-cigarettes are popular for all occasions. E-cig accessories and electronic cigarette parts aren't necessary for throwaway e-cigarettes. We offer many free promotions and deals.
What Is a Personal Vaporizer (PV)?
A personal vaporizer is a pocket-sized, battery-powered device that simply liquid into vapor, utilizing an atomizer. It converts e-liquid into a vapor that is inhaled. Personal vaporizers in Carrollton, Georgia are inherently portable; they come in a variety of forms and seemingly limitless flavors. Volcano e cig, Apollo e cig, topoo vaporizer and so many others are available. People have different reasons for buying a personal vaporizer. Some have said it has helped them to cut down on smoking "analog" cigarettes, and have even called it a best way to quit smoking. Yet many vape because they simply like the variety of flavors.Whatever the reason, vaping seems to be something unto itself.
What Is the Difference Between a Personal Vaporizer and an E-cigarette?
The two terms are often used interchangeably. Personal vaporizer is the more accurate term however. Vaping is enjoyable on its own merits and is not merely an alternative to smoking cigarettes. When you smoke you burn tobacco and exhale smoke. When you vape you atomize e-liquid and exhale water vapor. Plus you never stink of stale cigarettes, and it tastes a whole lot better! No foreign material, guaranteed!
Carrollton Vaping and Personal Vaporizers
By definition, 'vaping' is the act of inhaling water vapor through a personal vaporizer or electronic cigarette (e cig)in Carrollton, Georgia . Vaping eliminates 4000 chemicals and carcinogenic compounds that come from real cigarettes, without compromising the act of 'smoking' itself. Vaping can also contain nicotine as an option for maximized effect of cigarette smoking.
E Cig Liquid and e-Juice for e Cigarettes
Liquid for producing vapor in electronic cigarettes, commonly known as e-juice or e-liquid in Carrollton, Georgia , is a solution of propylene glycol(PG), vegetable glycerin (VG), and/or polyethylene glycol 400 (PEG400) mixed with concentrated flavors; and optionally, a variable concentration of nicotine. Totally Wicked e liquid, Mr e liquid, dekang e liquid and vg e liquid are just a few of the many e liquids offered. Our shipping is fast so you don't have to wait for your juice! The solution is often sold in a bottle or in pre-filled disposable cartridges. They are manufactured with various tobacco, fruit, and other flavors, as well as variable nicotine concentrations (including nicotine-free versions). The standard notation "mg/ml" is often used in labeling for denoting nicotine concentration, and is sometimes shortened to a simple "mg". For more information you can also read e juice reviews and e cig reviews.
Vaping and Your Health
Obviously, the safest thing to do is to quit smoking altogether. But if it's not an option, vaping is an alternative. Still there are many questions left to be answered since vaping is a fairly new practice. But there are now more promising studies that show that vaping is a much safer practice than smoking.
Benefits of Vaping Carrollton
- No tobacco, No smoke
- Exempt from public smoking ban in most areas
- Cheaper than cigarettes
- No second hand smoke
- Completely odorless
Anatomy of a Vaporizer or Personal Vaporizer
The vaporizer is a device consisting of a battery and a heating element. When activated, the heating element boils a small amount of liquid in the device, creating a vapor, which is then inhaled by the user.
TUBE – the main console of the vaporizer.
BATTERY – housed power source usually charged through a USB.
CARTRIDGE – component that houses the e-juice or e liquid.
ATOMIZER – heats up the e-juice and creates the vapor that's inhaled and exhaled.
CARTOMIZER – combination of the atomizer and cartridge in one.
E-JUICE / E-LIQUID – water-based liquid that contains the nicotine. Comes in a variety of flavors or just plain. Four main ingredients: Nicotine, Propylene glycol, Vegetable glycerine, Flavoring – all of which show no evidence of being a carcinogen.
TIP – end where the vaporizer is inhaled.
Smoking is one habit that, with each passing year, is looked down upon more and more. The negative health effects of smoking are widely known, as are the potential health risks for those exposed to second hand smoke. E-Juice with optimal pg/vg blend. This has led to many public and private establishments placing smoking bans. These measures have been conducted in an effort to improve public health, enjoyment and cleanliness. All of our juices can be with or without nicotene. Not everyone wants to give up smoking, even if we are aware of the potential problems. Electronic cigarettes in Carrollton, Georgia are a relatively new device that has really changed the landscape of the smoker. With tons of varieties of e-liquid cartridges, which are the means by which the nicotine and flavor are found, even those who do not smoke have become electronic cigarette converts.
What is An Electronic Cigarette?
An electronic cigarette is a metal device that is generally charged though a USB port or other similar charging mechanism. Cartridges of e-liquid or e juice are placed in the chamber of the cigarette. After a visit to your favorite electronic cigarette store or e cig shop, with a simple click, you can begin to smoke. . The smoking experience is free from smells and since the e-liquid is vaporized, there is no smoke that goes along with smoking an electronic cigarette. These are long-lasting devices that can be repeatedly used and charged. There are many different types of electronic cigarette available mimicking different sizes of cigarettes, as well as the amount of e-liquid that each cigarette can hold.
What Are E-Liquid or eJuice Cartridges?
E-liquid cartridges are the means by which the nicotine or flavorings are delivered to the smoker. These cartridges contain nicotine and/or flavorings (such as menthol or cherry, for example) and they are suspended in a food-grade, completely safe solution. When vaped, the heating element in the electronic cigarette in Carrollton, Georgia actually vaporized the liquid, delivering it directly to your lungs and, as noted above, with no smoke to follow. Available in different nicotine concentrations and a variety of flavors, finding your special blend will be as easy as trying a few out. Even those who don't smoke have reported that they enjoy vaping the nicotine free, flavored liquids too. You can choose from different nicotine concentrations (such as light or full flavored), menthol and even a variety of flavors that can be purchased alone or as a combination with the nicotine. The flavor choices are almost endless, you can get flavors from fruit to chocolate. Electronic cigarettes have reduced many of the negative impacts associated with smoking. No longer do smokers have to worry about harmful effects of second hand smoke as there is no smoke emitted from the electronic cigarette. The e-liquid cartridges also contain no additives or other things that are often added to cigarettes and have been shown to have negative health effects. The electronic cigarette has allowed smokers to keep their habit, while also reducing the effects of said habit on others around them.
What is the Cartomizer in an e-Cig?
If you're new to the world of vaping, e-cigarette terminology can be a bit difficult at first. But don't be discouraged, you'll be using words like "atomizer", "cartomizer" or "drip tip" before you know it. In this post we're going to talk about one of the most popular electronic cigarette components – the cartomizer. Originally, electronic cigarettes were three-part devices, made up of a battery, an atomizer and a cartridge, which was filled with e-liquid. The drag-activated switch powered on the battery, heating the atomizer, and turning the juice into vapor.
The principle was simple and effective, but the design had some flaws. Working with three different components proved somewhat tricky for some, and a lot of people complained about leaks when using or refilling the cartridges. But, like in any successful industry, things evolved pretty fast, and soon designers came up with a solution that made using e-cigarettes a lot easier. They decided to compress the atomizer and cartridge into a single unit, that eliminated leaking problems almost completely, was able to hold significantly more e-liquid, and was easy to screw on to the battery.
This hybrid was called the cartomizer, from the two parts combined to create it (the cartridge and the atomizer). Although there are many members of the vaping community who still prefer to use atomizers, the revolutionary cartomizer in Carrollton Georgia can be credited for making the electronic cigarette more user-friendly. Instead of getting their hands dirty and wasting a lot of their valuable time dripping e-juice into the cartridge and assembling their vaporizer, people could now buy prefilled cartomizers, screw them on to the battery and just carry on with their daily routine.
They made vaping a lot easier for casual users and greatly contributed to the increasing popularity of electronic cigarettes worldwide.
The cartomizer consists of a metal or plastic casing which houses a single of dual coil atomizer wrapped in a generous roll of polyfill material which absorbs the e-liquid. While old cartridges could hold just a few drops of juice, cartomizers eliminate the need to drip every few minutes, by holding a generous amount of e-liquid, depending on their size. The bottom end of the unit has a metal threading which connects directly to the e-cigarette battery, and the top end has a plastic or rubber cap with a little hole in the middle, through each the vapor is sucked out. Cartomizers in Carrollton, Georgia were originally designed as disposables, meant to be thrown away after the e-liquid was depleted, but vapers quickly figured out they could be refilled and used several times. For financial reasons, most companies discourage refilling, and even glue the caps on to the casing, but the truth is you can use a cartomizer several times. Cartomizers are not only very practical, but also affordable. They cost a few dollars, so even if you opt not to refill them, you're still spending a lot less than you would if you keep smoking. But, if you're really careful with your finances, you can even clean cartomizers by boiling and other methods, and use them until they are no longer good.


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Since Easter is next Sunday, March 31, now would be an ideal time to take an Easter portrait with the family to secure a lifelong memory for you all to cherish.
Since Easter is next Sunday, March 31, now would be an ideal time to take an Easter portrait with the family to secure a lifelong memory for you all to cherish.
Hence, Amber Shader, 34, and owner of Amber Shader Photography in Middletown, caught up with the Middletown Transcript to discuss a few pro tips parents should consider before bringing their children to an Easter portrait session. Shader also gave insight on some the creativity she brings to the table during a shoot.
Shader's work has been featured nationally in acclaimed news outlets including Martha Stewart Weddings, Style Me Pretty and Animal Planet.
Q In general, what should parents have in mind before having their family's Easter portrait taken?
A The biggest thing is you can never predict how a child is going to act at the session, so parents need to make sure they're not overly stressed about the session. I make it as laidback as possible. I want to make it fun for the kids and stress-free for the parents. I've had moms and dads say to me after they've seen the pictures: "How did you capture that?," because kids cry and they have tantrums. But it's their sweet little moments in between that you're able to capture. The mom and dad might be stressed out, but the kid could turn to you and smile. Sometimes I'll take the parents a little bit out of the equation, too, because obviously kids know how to press their parents' buttons. Sometimes if the parents are just dealing with me one-on-one, and the mom and dad is talking with each other, it gives them great bonding time, too.
Q What are your thoughts on families wearing matching outfits?
A It's up to the individual family, but…not everybody has to wear the same colors. Wear colors that compliment on the color wheel, but not everything has to be the same. (For an example, see the photo of the Heyse family portrait.)
Q How do you capture the spirit of a child?
A This is something I want potential clients, or future clients, to know: don't be surprised if in the first 10 minutes during the actual session if I'm down on the ground playing with kids on their level. That's how you get the kids to feel comfortable in front of your camera. There's a ton of amazing photography gear out there. If you watch the Eagles games, you'll see the huge lenses photographers use. You shouldn't intimidate a child like that. So I use a lot of fast (prime) lenses and they tend to be smaller lenses. Another thing I do is, whatever they're interested in, I usually put stickers on my camera, so they know to look right at my camera.


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Posted Sun October 16th, 2011 - 04:40 PM PDT
Ryan Gosling and lady love Eva Mendes were spotted going for a drive in Hollywood on Sunday, and the couple shared a sweet smooch at a stoplight.
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A recent survey conducted by Fidelity Investments found that only 57% of clients felt their advisor provided value during "recent market conditions." Clients who felt their advisor provided value, unsurprisingly, expressed much greater trust and loyalty. What did advisors do to create a perception of value and loyalty? They focused on long-term goals and provided comprehensive financial advice.
According to Michael Laine, a financial planner in California, "what most clients are looking for is financial peace of mind. Money is often a very stressful issue for people as it is still very much a taboo subject that is not well discussed. As such, having a trusted advisor who makes sure their financial house is in good order is invaluable."
Unfortunately, peace of mind isn't easy to quantify. Financial scholars tend to only deal in research questions that can be answered with numbers. Some recent studies have tried to quantify the benefit of professional financial advice. The results aren't pretty. Another new study by David Blanchett and Paul Kaplan of Morningstar provides a much more thorough estimate of the benefits of sound advice.
How do most financial economists view the value of advice? I should first note that the investment performance toolkit is basically a single hammer, although a relatively advanced one. Financial researchers estimate risk-adjusted returns as the most objective way to determine whether any market input enhances efficiency. If they want to know whether Ivy League-educated fund managers are more effective, they calculate whether they can consistently achieve alpha. So what benefit could financial advisors provide to a client? Obviously, they could provide alpha compared to non-advised investors.
Unfortunately, some notable published examples of advised account comparisons find the opposite. Investors with advisors tend to do worse, or at least perform no better, than investors who do it on their own.
A 2009 study by Harvard professors Daniel Bergstresser and Peter Tufano, and John Chalmers from the University of Oregon, compared the performance of broker-sold to direct-channel mutual funds. Since broker-sold funds are selected by an expert advisor, the authors hypothesized that they might outperform (not including fees) if the advisors recommended higher quality funds or talked emotional clients out of investing in today's hot fund.
Not only did the direct-channel funds outperform, but it appeared that broker-sold funds were even more prone to the "hot hand" effect by following recent strong performers. They also tended to respond to changes in fund commissions by steering clients toward more expensive funds. The authors concluded that brokers didn't seem to provide much value for the $15 billion they were paid by their clients.
A more recent study of actual investment performance among a large group of German bank customers comes to a similar conclusion, but with some bright spots. University of Goethe researcher Andreas Hackethal and his co-authors tracked a group of bank customers who were matched with free advice from commission advisors. They found that the portfolios recommended by the advisors did not outperform, but they did find evidence that the portfolios were better diversified. Net risk-adjusted performance was lower than among self-directed investors, although it would have been slightly higher if clients had done a better job of following the exact recommendations of advisors.
A knowledgeable advisor should be able to help a client avoid investment mistakes. If a client's inexperience makes him or her biased, the advisor can guide that client toward a more rational investing approach. According to Joe Bantz, a financial advisor at Foster Group in Des Moines, "I often refer to the value of our services as, in part, helping you avoid costly financial mistakes."
There may be situations where incentives get in the way of reducing client biases. In one of the most damning studies of broker-recommended investments, Sendhil Mullainathan of Harvard University and his co-authors recruited 284 auditors to visit about a hundred different financial advisory firms in Boston for investment advice. The auditors were assigned one of four initial portfolios before seeking advice—all cash (baseline), index funds, a large percentage (30%) in company stock, and a large percentage in hot sector funds.
One of their goals was to see whether an advisor would suggest a more diversified, de-biased portfolio by selling both company stock and hot sector funds. The researchers hypothesized that compensation incentives would lead advisors to favor shifting company stock into mutual funds, but not to shift money away from hot sector funds. They were right. Since they were commission compensated, advisors didn't like company stock but really didn't like index funds. But they did seem fine with a return-chasing strategy—evidence that they don't de-bias, and might actually encourage, bad investing behavior.
Most of the auditors (70%), who were randomly assigned their advisor and unaware of the purpose of the study, liked the advisor enough that they'd be willing to give them their own money even when the advice was self-serving. This is a problem identified in another study published in 2012 by Santosh Anagol of Wharton, who found that advisors who could benefit from bad client decisions didn't try to talk them out of it. If the client wants a bad fund and you get paid either way, why stop them? After all, you may lose a client if you try to talk them out of something they really want to do. How many advisors who believed in value investing lost clients in the late 1990s to other advisors who followed the pied piper of Internet stocks?
An interesting new paper by professors Nicola Gennaioli, Andrei Shleifer and Robert Vishny of Harvard and the University of Chicago provides a defense of lower-performing advised fund portfolios by describing why consumers can be better off with commission advice than without. What advisors give inexperienced, fearful investors is the peace of mind to participate in the equity market. Advisors are like doctors who guide their patients toward the correct treatment, in this case equity investment, and the client is more likely to take the medicine because they trust the wisdom of the expert. Trust helps investors by allowing them to take more portfolio risk than they would on their own. It also reduces the anxiety of periodic volatility in their portfolio.
More than half of Americans don't own stocks, according to the Federal Reserve's latest Survey of Consumer Finances. Still fewer invest in stocks outside of the mutual funds in their retirement account. Behavioral finance literature documents the extreme response investors have to experiencing a loss. In fact, a paper by Richard Thaler attributed the high premium provided by risky investments to loss aversion and a short-run time horizon. The welfare gains from some stock market participation can be significant—but only if the client is able to stick with their portfolio allocation.
A new manuscript by David Blanchett and Paul Kaplan recognizes the increase in equity market participation as just one of the many sources of added value provided by advisors. For most of us familiar with what advisors actually do, their approach makes a lot more sense. Rather than relying on alpha to determine added value, they propose a new measure—gamma—which captures the multiple dimensions of quantifiable planning value. These include tax efficiency through strategic asset location and timing strategies, appropriate lifecycle asset allocation (greater stock investments while younger), matching financial strategies to specific goals, and choosing a more sophisticated withdrawal strategy in retirement. These improvements alone could improve total welfare by 30%.
This is where advisors can really earn their fees by accurately assessing risk tolerance, making portfolio recommendations, and helping the client focus on long-run goals. "In my opinion, the investment returns, while important, are of limited value ultimately," notes Bantz. "Nearly everyone benefits from having an advisor to guide them through decisions, helping them identify obstacles and prepare for the unexpected." Gennaioli and his co-authors conclude that it likely exceeds the cost of obtaining advice.
Many of these studies focus on advice that is tied to commission financial products. Since we're all governed by economic incentives, advisors respond predictably by selling more of the product that will put food on the table. The commission or fee is the price of the advice. It shouldn't be surprising that net returns are lower within advised accounts if markets are efficient and the client is receiving value from seeing an advisor. This value can include a more efficient, better diversified portfolio, psychological benefit in reducing the anxiety of market fluctuations, and a knowledgeable source of insight into general financial issues unrelated to investments.
Paula Hogan, a financial planner in Wisconsin, notes that "If you use investment performance as a proxy for client outcome you are confusing portfolio management with planning. These are different animals, and portfolio management is a poor proxy for planning. Therefore, investment performance is a poor proxy for planning success."
According to Hogan, "if you define planning not as capturing 'good' investment performance but instead as getting meaningful choices visible to the client and then helping the client implement those choices, outcome measurement would have to expand greatly to include: Is the use of human capital optimal? Is the spending pattern well-matched to circumstances and goals? Is there appropriate risk-sharing, e.g. through the smart use of insurance? Is there effective and comfortable communication about financial issues within the client's inner circle of family and friends? Is the client becoming more literate with respect to financial issues and more self-aware about financial values, habits, and circumstances?"
Respondents to the "Economics of Loyalty" survey by Advisor Impact show the clients are generally very satisfied with their advisors. But the most highly valued services provided by an advisor had nothing to do with net risk-adjusted portfolio performance. Retirement planning, estate planning, taxes and insurance ranked among the most highly valued sources of advice. The one constant feature that highly rated advisors provided was comprehensive services, such as a written financial plan, that adds value within a number of domains that aren't easy to measure.
Jim Kinney, a financial planner in New York, emphasizes this point: "A real financial plan can guide almost every significant financial life decision an individual faces. If used as intended, the plan can relieve a great deal of stress and anxiety, as it reduces the uncertainty and brings clarity to complex financial decisions."
Academics are only beginning to understand the pathways through which a written financial plan leads to greater client satisfaction. My graduate student Terrance Martin and I investigated differences in retirement savings outcomes among respondents who plan. We used a sample of 43-50 year old households and looked at their retirement saving in qualified accounts between 1994 and 2008. The results (see chart "Making a Difference") indicated that the importance of planning is striking, but so is the impact of using a financial advisor.
Since many who use advisors have higher income and more wealth, we controlled for these effects in a multivariate analysis and found that those who have received financial advice from an advisor who never bothered to estimate how much they needed to save for retirement hadn't saved any more than respondents who never used an advisor. But the independent increase in retirement saving from using an advisor who estimated retirement needs was about $150,000 among these middle-aged households.
Estimating retirement need on your own did have a large positive impact—about $70,000 more saved, even when we controlled for income earned. But having an advisor who estimated retirement needs had an impact that was twice as large as doing it on your own. There is something about both planning and meeting with an advisor that improves the ability to reach long-term goals.
To Michael Kitces, a financial planner and commentator in Maryland, this isn't a surprise. "It seems clear that having someone help to not only make effective decisions regarding career or cash flow, but also provide accountability so positive behavior change actually happens, will be superior to just going at it alone. After all, if the only thing we needed to do everything right was information alone, the simple statement 'lose weight by eating less and exercising more' would solve the world's obesity problems."
In addition to helping clients create a systematic process to meet long-term goals, an advisor can also help clients make important financial decisions by serving as a sounding board and a voice of reason. By acting as a dispassionate third party and providing financial expertise to help clients understand the tradeoffs presented by possible life goals, an advisor can help a client make life-enhancing decisions.
Kinney provides this example: "A year or so ago I did a plan for a couple who wished to retire and move to the West Coast to be near their daughter and new grandchild. They were still relatively young, but had saved a considerable amount of money and had access to pension benefits. The plan I did for them laid out a timeline for their retirement, and showed how the combination of pension benefits, Social Security, and strategic withdrawals from their retirement accounts would permit them to retire in comfort with little fear of running out of money—as long as they followed the plan. That gave them the confidence needed to make this major life move."
Hogan also emphasizes that a primary value of advisors is their ability to assimilate financial information and present it in a way that allows clients to better translate their values and priorities into financial goals. "Measuring only investment performance implies that planning is something the advisor does. However, the advisor's real role is supporting the client as the client makes planning decisions, only some of which have anything to do with the portfolio."
Other advisors echo the value provided by helping a client identify goals and creating strategies to reach those goals. Leo Nunez, a financial planner in Florida, wants his clients to see him as "the glue that brings everything together." Like many other advisors, he sees his value extending beyond easily quantifiable measures. "We do not measure success in terms of returns but rather in terms of sustainability, quality of life and peace of mind. This is where we add value."
Kitces argues that "financial planning provides value far beyond just incremental investment performance, including real dollar results ranging from income tax savings, estate tax savings, and reduced costs through effective insurance design and implementation. Much of the value of financial planning is difficult to measure, because it's impossible to know exactly what a client would have done (wrong) in the absence of advice."
Elicia Mundy-Pellish, a financial advisor in Jacksonville, Fla., explains that financial advisors often find themselves providing specialized analyses of financial problems for individuals—a far cry from simply selecting mutual funds. "I recently assisted a client who retired from the Federal Reserve by reading through 30-plus pages of very confusing pension choices, insurance selections and her portable cash balance options. Ultimately, they were able to make the right decisions because they had me involved to answer their questions and explain things. How do you quantify helping clients avoid costly mistakes?"
"Value to the client is often very different than a dollar amount," notes Pam Horack, owner of Pathfinder Planning in Charlotte, N.C. "This morning I spent almost two hours with a client reviewing her mortgages and debt, and contacting various institutions to help her find the best refinancing option for her situation. There were no investments involved, but she will be able to improve her cash flow with the monthly savings we found. The value for this client is in reduced stress and being able to sleep better at night. For women in particular, the value comes in having someone to talk with about money. I have had women cry at meetings just from the stress. You can't put a price on having someone listen and give you a hug."
John McFarland, faculty coordinator of the CFP Program at Virginia Tech, notes: "My most memorable moments come from neither asset management results nor the quality of a financial plan. It's always the very human side of my interactions with clients. It's always nice to receive a compliment on your management or planning skills, but to simply hear that you've had an impact on the very lifestyle of your client is in my book the greatest compliment."
This emphasis on relationships resonates with Ralph Sesso, a portfolio manager in Chicago. "I think what you shared is the ultimate reward for doing whatever you do—to make a difference in someone's life. We don't know how we can impact people unless we really get to know them, but if we make that commitment we can truly make a difference in a person and then a family."


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Sink into the plush cushions comfortably fitted between our Barbados curved arms. Espresso-colored all-weather rattan is expertly hand woven, wrapping every inch of the durable aluminum frame. Sturdy rust-resistant powder coated feet are color matched to table tops. Thick all-weather cushions are enveloped in 2-year fade resistant acrylic upholstery.Features:CUSHIONS – 6 inches thick for a luxurious look and feelCUSHION COVERS – Washable and zippered for easy cleaning (air dry only)FEET LEVELERS – Height adjusters for uneven surfaces that won't mar your patio or deckTABLE TOPS – Cast aluminum with a durable powder coated finishFULLY ASSEMBLED – Ready to use and enjoy• Custom hand woven all-weather, high density, PE (polyethylene) wicker• Strong rust resistant, powder coated aluminum frame for maximum durability• Commercial grade construction• No Sag solid wicker bottoms with extra flexible strapping providing long-lasting suspension• Perfect for outdoor use in all climates• Elegant design includes angled backs• Includes seat and plush back cushions for maximum comfort• New rust-resistant, powder coated feet which are color matched with table topsAll sets will come with Espresso wicker and Wheat covers on the cushions.OPTIONAL:• Decorative throw pillows in matching or contrasting colors or print.• Clips not included but may be purchased separately.If you don't see a configuration that fits your needs, please contact us and we'll help you build your own set! Available at AppliancesConnection
Product Features
- Fabric Warranty – 1 year coverage against fading
- Thick cushions for a luxurious look and feel
- Cushion Covers – Washable and zippered for easy cleaning (air dry only)
- Feet Levelers – Height adjusters for uneven surfaces that won't mar your patio or deck
- Table Tops – Cast aluminum with a durable powder coated finish


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Urge your members of Congress to support continued medical research funding
Share how you have successfully eliminated costly and potentially harmful overuse of tests or procedures. Apply by June 1 to become a Choosing Wisely Champion.
Increase awareness, knowledge, and confidence regarding the role of biosimilars in clinical care with a free online course offering CME and MOC credit.
Download ASH's newest app to get on-the-go access to the Society's official member newsletter. Save articles to read offline, take notes in-app, listen to podcasts, and more.
Urge your members of Congress to support continued medical research funding.
Search a database of practicing hematologists in your area.
Help move hematology forward by supporting research, career development, and quality care and education programs.
Become part of a global network of more than 17,000 hematologists working to conquer blood diseases.
The American Society of Hematology has announced the names of the 35 hematologists participating in the 2018 ASH Clinical Research Training Institute in Latin America and Advanced CRTI-LA.
Today, ASH announced the names of 15 investigators who have been awarded $150,000 through the ASH Bridge Grant Program, supporting promising hematology research proposals that score well but cannot be funded by the National Institutes of Health (NIH) because of budget uncertainty.
ASH announced a partnership with the University of North Carolina at Chapel Hill, a National Institutes of Health Clinical Genome Resource grantee, to develop a broad and accessible compendium of genomic data aimed at improving the diagnosis of some blood cancers and disorders.
A statement by ASH's president on the FY2018 omnibus funding package that was signed into law today by President Trump. This bill includes $37.1 billion for the NIH, a nearly 9% increase for the agency.
CMS released a National Coverage Determination entitled Next Generation Sequencing for Medicare Beneficiaries with Advanced Cancer. ASH submitted comments on the proposal along with over 300 other groups, including physician specialty societies, patient advocacy groups, and industry groups.
Senators Tim Scott (R-SC) and Cory Booker (D-NJ) introduced the Sickle Cell Disease Surveillance, Prevention, and Treatment Act of 2018.
On December 20, the House of Representatives and the Senate voted to approve H.R. 1, tax reform legislation. Select members of each chamber came together to resolve disagreements between the two versions passed by the House and Senate.
Congress spent much of 2017 focused on the repeal and replace of the Affordable Care Act (ACA). Included is a summary of Congress and the Administration's actions on repeal and replace of the ACA that occurred in 2017.
Dr. Menitove discusses obstacles and pressure on U.S. blood centers and the U.S. blood supply.
Dr. Michaelis introduces a new department, "Off the Shelf," which will allow readers to reflect on their calling and recommend or discuss literature that has changed the way they approach their day-to-day work.
In the first "No-Data Zone" article, Dr. Donald M. Arnold and Dr. Amaris K. Balitsky discuss the use of anticoagulation in patients with thrombocytopenia.
The ASH Summit on Emerging Immunotherapies for Hematologic Diseases program co-chairs Drs. Catherine Bollard, Rodrigo Calado, Sergio Giralt, and Jeffrey Miller share their thoughts on what to anticipate at the meeting.
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Pacari Organic Ecuadorian Chocolate Bar
Pacari Chocolate now has a range of chocolate bars with herbs, spices, and fruit. Choose whatever one suits your mood. Relax and savor the chocolate bar with the soothing essence of lemongrass. Looking for something sweet and savory? Then go for the chocolate with cacao nibs and salt from the sacred valley of Cuzco, Peru. And if you're feeling adventurous, you'll want to try the bar with Merk_n, a traditional smoky spice from Chile.
Varieties sold separately.
Tablet K Kosher - Dairy Free - Gluten Free


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Enter your postcode to find your nearest Greencross Vets clinic.
Book your pet's appointment online at Greencross Vets Campbelltown.
View our comprehensive range of professional veterinary services, for all of your pet care needs.
Our teams at Greencross Vets are 'passionate about pets' and love what we do, get to know your local team.
View location details and interactive clinic map for directions by clicking below.