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The National Security Agency (NSA) will assist in a new program to monitor government traffic on private-sector computer networks, as part of a new program called Einstein 3, The Washington Post reported on Friday, citing three anonymous government officials.
Einstein 3, a President Bush initiative formerly set to go forward in February, is being re-evaluated under President Obama's administration.
A description of the Einstein program, issued by the U.S. Department of Homeland Security (DHS), said it is a process for collecting and analyzing data from federal government agencies to appropriately respond to cyberthreats or attacks and improve the security of government computer networks. Phase 3 of the classified pilot program, approved by Bush, builds on the current Einstein program to now block malicious code that has been designed to penetrate government networks, The Washington Post reported.
But the issue of the NSA's involvement in the program has reportedly been met with some debate at DHS since the NSA formerly was involved in a controversy during Bush's administration involving the "warrantless wiretapping" of private networks.
According to the paper, concerns over the NSA's involvement in the program lie in whether private data would be effectively "shielded from unauthorized scrutiny."
A DHS spokesman contacted by SCMagazineUS.com on Monday would neither confirm nor deny reports that the NSA will be involved in the newest phase of the Einstein program.
Marci Green, an NSA spokeswoman, told SCMagazineUS.com in an email statement: "As Gen. Alexander stated in his RSA speech, NSA is part of the team that is working to protect critical national systems. DHS is leading efforts on .gov networks and we will help them in any way possible, including technical support."
James Lewis, director of technology and public policy at the Center for Strategic International Studies (CSIS), told SCMagazineUS.com on Monday that the privacy concerns center on how intrusive programs will be and how far they will extend into private networks and communications.
Though the Einstein program is intended to monitor communications on government networks, there is a concern over whether communications will be screened if a citizen communicates with the government.
"How do we know it won't be spread out to look at more than .gov networks?" Lewis asked.
In addition, Lewis said it's unclear whether the monitoring will include the content of messages or whether the program will just look for malware. For example, looking at messages in a foreign language while searching for malware is much different from reading the messages in English and comprehending its content while performing the same task, Lewis said.
Obama addressed privacy concerns in a speech he gave in late May about the government's new cybersecurity initiative. In his speech, Obama promised to secure the nation's digital infrastructure and to detect and defend against attacks, but also stressed that the government will "preserve and protect the personal privacy and civil liberties that we cherish as Americans." He vowed that the government will not monitor private sector networks or internet traffic in its mission for cybersecurity.
Ari Schwartz, vice president of the Center for Democracy and Technology told SCMagazineUS.com on Monday that the DHS must ensure it is keeping private sector data separate from government data and make sure they are only collecting information from government visitors. He added that there is an opportunity to build privacy into the program because it's still in its early stages. Lewis that that the DHS, White House, NSA and the Department of Justice are all involved in these conversations.
"I have heard they are trying to sort out the legal issues, and until then don't want to move forward," Lewis said.
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Two years ago today the Chicago Bears made a trade that some in the media and many in the public considered the biggest deal in Chicago sports history. After two decades of a revolving door at the quarterback position and a franchise history of futility at the most important position on a football team, the Bears boldly acquired Pro Bowl quarterback Jay Cutler from the Denver Broncos.
The move was supposed to finally bring an end to years of struggle and provide stability to an offense that consistently remained one-dimensional. Cutler, fresh off a season in which he threw for 4,526 yards and 25 touchdowns on his way to Honolulu, was supposed to end decades of talk about the Bears being a running team only.
The local product from Indiana, who grew up a Bears fan, came to Chicago with confidence and swagger and a certain toughness that his predecessors in the Windy City clearly lacked. In his two seasons as a starter prior to arriving in Chicago, Cutler never missed a game, something which could not be said around these parts where the Bears often started three different quarterbacks in a given season.
National pundits raved about the deal and lauded general manager Jerry Angelo for making such a bold move. Top flight quarterbacks are difficult to obtain and the Bears managed to get a Pro Bowler at the age of 25. Following a 9-7 season where it seemed the offense needed a little bit of a spark, expectations were that Cutler would put the Bears over the top and back into the playoffs.
On the local front, however, it wasn't all hearts and flowers when the trade went down. After two years on the bench behind Rex Grossman, Kyle Orton finally got his chance to start in the 2008 season and while he didn't put up gaudy numbers, he did what he did best in helping the Bears win games. Orton's approach to the game won over a lot of Bears fans and his departure from town in the Cutler deal divided the fan base — maybe not evenly, but enough to tie up sports talk show phone lines for a period of time.
Orton's leadership and humble nature also seemed to win him support in the locker room. It was most evident when his team voted him as a captain for the 2008 season and seemed to gain momentum when two of the faces of the organization, Brian Urlacher and Devin Hester, accepted Cuter into the fold but expressed disappointment in the loss of Orton.
Complicating matters further, former Bears wide receiver Bobby Wade — then a member of the Minnesota Vikings — was doing an interview with a Minnesota radio station prior to the 2009 training camp and claimed that Urlacher — Wade's friend — told him that he thought Cutler was a wimp, although in a much harsher term. Urlacher was asked about the Wade interview and denied ever calling Cutler a wimp. Urlacher and Cutler then cleared the air as the team reported to camp.
In his first year with the Bears, Cutler struggled to adjust to his new offense and threw a league-high 26 interceptions compared to 27 touchdowns. Despite his costly mistakes, it was evident that the Bears had in their possession the best quarterback this town had seen in a long time. With subpar receivers, a hobbled Matt Forte, who suffered knee and hamstring injuries that year, and the loss of Urlacher to a season-ending injury in Week 1, the Bears finished just 7-9 in Cutler's first season with the team.
The 2010 season brought much promise after the Bears splurged in free agency to try to upgrade a team lacking many pieces. One of the most dramatic additions to the team was not even a player but a coach. Offensive coordinator Mike Martz was brought in to energize an offense that got stagnant under Ron Turner and to help make use of Cutler's rare talents. That experiment didn't go so well as the Bears found out their offensive line — neglected in the offseason by Angelo — quickly became was one of the league's worst.
After a mediocre 4-3 record to open the season, Martz changed his pass-first philosophy and adapted to the personnel on the roster and the Bears were on their way to what became a successful season, surpassing many expectations following an 0-4 preseason.
In the NFC championship game against the rival Green Bay Packers, emotions were clearly high for the fans. As such, I was not entirely surprised at the backlash that Cutler received after he was knocked out of the game with a knee injury. Fans like to make observations by whatever few sideline shots that television cameras pick up and they were not happy that Cutler was on the sideline for most of the second half of that game. The majority of fans who were angry with Cutler did not like that he didn't try to "play through the pain" and claimed that if he wasn't on crutches then he still could have played. And, at the very least, they felt he could have been more "rah rah" and supported his teammates in a vocal manner.
All of that was nonsense, really, but the select fans who chose to video tape themselves burning Cutler's jersey after the game were just ridiculous. If anything else, it makes the rest of us Bears fans look classless.
What's even worse was the stubbornness of fans after they had learned not only that Cutler's knee injury was a tear, but also that Cutler actually tried to play on it for the first series of the second half and could not keep going.
As we now enter the third year of the Cutler era — assuming there is football in 2011 — this is the season we should see the biggest difference in production for Cutler. He'll have his same offensive coordinator in place and won't have to learn a new offense. The Bears should — one would think — upgrade the holes along the offensive line and possibly add a better receiver for Cutler.
Cutler's personality clearly rubs some the wrong way. Because even through the struggles he's endured in a Bears uniform, he's had two seasons that not too many quarterbacks in Bears history have ever compiled, all of this while performing with inferior offensive talent around him. In Cutler's 37 regular season games with the Broncos, he was sacked 51 times — about 1.37 sacks per game. In his 31 regular season games with the Bears, he was sacked 87 times — about 2.8 sacks per game. No wonder he was a Pro Bowler in Denver; he could get the ball away and had time to find his receivers.
Cutler will continue to have his supporters and detractors for as long as he's a member of the Bears. The only way to gain back support will probably be to bring the Bears back to the Super Bowl.
For that to happen, Angelo will have to make a few more bold moves.

subset: commoncrawl


text:
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Whether on "Saturday Night Live," Funny Or Die or stand-up stages across the country, political impressions are a staple for many great comedians, especially during an election year.
With less than 100 days until this year's big election, we'll certainly be seeing our fair share of Barack Obama, Mitt Romney and Joe Biden impressions in the coming months (and let's hope whoever Mitt decides to run with has an "SNL" doppelganger). But before then, we decided to look back on the funniest political impressions of all time.
Or, at least 36 of them.
Check out nearly 40 spot-on impressions of the most influential political figures below, including such classics as Will Ferrell's George W. Bush, Tina Fey's Sarah Palin and Phil Hartman's Bill Clinton, plus some others that you may not have seen before, like stand-up comic James Adomian's take on Jesse Ventura. And if you haven't heard "SNL" newcomer Jay Pharoah's Obama impression yet, trust us: your next water cooler conversation will probably be about how it stacks up to Fred Armisen's.
Vote for your favorites below and tell us who you think we left out in the comments.


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In lands I never saw -- they say
Immortal Alps look down --
Whose Bonnets touch the firmament --
Whose Sandals touch the town --
Meek at whose everlasting feet
A Myriad Daisy play --
Which, Sir, are you and which am I
Upon an August day?
Poet: Emily Dickinson
Poem: 124.
In lands I never saw -- they say
Volume: Complete Poems of Emily Dickinson
Year: Published/Written in 1955
Poem of the Day:
Feb 16 2006
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WASHINGTON (Reuters) - A failure by Congress to raise the U.S. debt limit in time to avoid a default would spark a severe recession, a prominent economist warned lawmakers on Wednesday.
Mark Zandi, chief economist at Moody's Analytics, told the congressional Joint Economic Committee that the U.S. Treasury will be unable to meet all of its payment obligations as early as October 18 and by November 1 at the latest without an increase in the $16.7 trillion borrowing cap.
He said up until early October, financial markets, which have been "desensitized" by past budget battles, will anticipate a last minute deal by Congress.
Financial markets will start to get jittery by early October if there is no clear path to a deal, Zandi said. That will turn into panic once Treasury can't make payments.
"If you don't do it in time, confidence will evaporate, consumer confidence will sharply decline," Zandi said. "Businesses will stop hiring, consumers will stop spending, the stock market will fall significantly in value, borrowing costs for businesses and households will rise."
He said if the government can only spend what it takes in, about nine percent of U.S. economic output will evaporate.
"We'll be in the middle of a very severe recession and I don't see how we get out of it. There's no monetary policy response in the current context. We're already at zero interest rates."
(Reporting by David Lawder; editing by Andrew Hay)


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text: Ann C. Burke, 84, recent resident of the Anchorage of Bensenville, loving sister of Helen T. Burke, John T. (Lucretia) Burke, late Mary (late Charles) Anderson, late Catherine Burke, late Joseph (Jean) Burke and late Margaret (Frank) Griffin; loving aunt of many nieces and nephews. Resting at Cuneo-Columbian Funeral Home, 10300 W. Grand Ave. (1 block East of Mannheim Rd.), Franklin Park. Funeral Monday, Nov. 6, 2000 at 8:45 a.m. to St. Gertrude Catholic Church for Mass at 9:30 a.m. Interment Mount Carmel Cemetery, Hillside. Visitation Sunday 3 to 9 p.m. 847-455-1200 .


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Learning and Teaching Investment Fund 2008
Summary of Projects
Project Title
Psychology Peer Assisted Tutorial Support (PPATS): Using Peer Assisted Learning to Enhance Transition, Engagement and Acquisition of Foundational Academic Skills in Large First Year Classes
Project Leaders
Andrea Chester
Funds Approved
Summary of the project, outcomes, impacts and dissemination
The dissemination process has involved presentations at national FY conferences and a series of workshops for RMIT. We are currently working on two journal articles for submission in 2009. Listed below are the conference papers and workshops the team has already produced.
Brown, A., Carmichael, R., & Ryan, R. (2008). An apple a day: Supporting 1st year learning and teaching through academic mentoring & peer tutoring. Paper presented at First Year in Higher Education Conference, Tasmania, August, available from http://www.fyhe.qut.edu.au/past_papers/papers08/FYHE2008/content/pdfs/6d.pdf .ppt available from http://www.fyhe.qut.edu.au/past_papers/papers08/presentation%20files/6D.pdf
Ryan, R., Chester, A., Xenos, S., Carmichael, R., & Saunders, P. (2009). Engaging first year students through embedded peer tutoring. Poster presented at the First Year Experience Curriculum Design Symposium, QUT, February.
Coordination and facilitation of a peer-tutoring seminar held at RMIT, at which Sally Kift presented work related to her FY ALTC Fellowship. The PPATS team also presented our methodology and outcomes.
Workshop at the RMIT L&T Expo, December 2008, attended by more than 50 participants.
Contribution to panel presentation at SET College T&L Forum, December 2008.
Electronic dissemination of findings to all participants.


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Very specific, personal experiences...
Very specific, personal experiences...
We all have heard them and they vary from vague to specific, miracles. I recently had another discussion today and I hear these so often I am now compelled to ask you all about it. When a person claims a very specific miracle, that has happened to them, how do you reason with it? I am talking specific, here is the one I heard today.
The lady had recently given birth, the doctors said the child will die, it's a matter of time. The child had matter in it's lungs and was slowly suffocating, it was turning bluer as the time went on. She had priest called in, they said some things from within the bible as they touched the child and she watched, with her own eyes, the blue fade and the baby become well. On two separate accounts she claimed this had happen to both of her children, but different problems.
Now, as I said before they are all different and we have heard them before.
X thing happens, authority(ex: Doctors) can't explain it, possible priest involvement with immediate recovery with eye witnesses.
I write this off as they are severely deluded, but obviously I don't say that to their face cause that will get us no where. My question is, how do you respond? What is your rational behind said event?
"We Humans are capable of greatness." -Carl Sagan
RE: Very specific, personal experiences...
I just put it in a context of reason.
So if your god is all powerful and knew your child would be born with this condition not only did he permit it to be and let you think your child was going to die but refused to fix the problem until you pay him tribute?
What a freaking jerk!
The following 3 users Like Godless's post:3 users Like Godless's post
Chas (19-01-2012), Kaos MD (20-01-2012), aurora (22-01-2012)
RE: Very specific, personal experiences...
How about the persons experience? Delusion as I said? Or luck?
"We Humans are capable of greatness." -Carl Sagan
RE: Very specific, personal experiences...
First off, the story sounds a bit fishy. If the child had "matter" (a bit vague isn't it, why not say "atoms") in its lungs, wouldn't the hospital be in crisis mode trying to clear the lungs? Is that when Yahweh decided to reach down and heal the child - when a team of hospital personnel were frantically working to keep it breathing? Or are you supposed to believe that the doctor told the parents "your child's going to die, just have him sit over there and get blue, and sure, bring that priest over, there's nothing we can do." This just sets off the old crap detector.
So how to respond - my favorite lately is to ask knowingly "Gee, that's great, but why doesn't god ever cure amputees?"
The following 1 user Likes Jeff's post:1 user Likes Jeff's post
The Roof (19-01-2012)
RE: Very specific, personal experiences...
I think this goes back to the tried and true argument of correlation verse causation. Many of us think in terms of "X" therefore, necessarily, "Y." This is especially potent with the religious, because it lets God act as the driving force. From a more distant stand point, the rest of us think in terms of correlation. "X" and "Y" happen independently of each other. The fact that they occur together is merely something worth remarking on, not praising.
Plus, stories like these bring into light success through exclusion. For every one of these stories that are spread, there are thousands that have the opposite ending. Better to focus on the better parts, the victories. It's just like a history.
I only see causation. What do I know though, I'm just some guy.
RE: Very specific, personal experiences...
If millions of people prayed to me every time something went wrong, I guarantee a few people would come out of it with amazing stories of the wondrous miracles in my name.
The following 2 users Like Ben's post:2 users Like Ben's post
Dynastes (19-01-2012), morondog (20-01-2012)
RE: Very specific, personal experiences...
My first instinct on any miracle is that they are simply lying. This happens often. There is almost a competitive atmosphere in some churches for "the one" who god has shown mercy on. They must be the one god likes best. Obviously he loves this woman as he has saved not just one, but two of her children from death.
Number two is that they see what they want to see. These types of "miracles" happen to the nonreligious as well, they just don't go around telling people how god saved their children.
I don't even address it or try to refute it. Why bother?
The old gods are dead, let's invent some new ones before something really bad happens.
The following 1 user Likes Thomas's post:1 user Likes Thomas's post
Jeff (20-01-2012)
RE: Very specific, personal experiences...
Sounds like her and the priest need to open a clinic. Also sounds like they thwarted god's will by interfering and touching the child.
This wasn't a matter luck per se. In medicine remarkable things happen. The human body is complex and a child's will to survive is an amazing thing.
When you think you've seen a miracle, keep this in mind, a broken clock is right twice a day.
Things that are very unlikely do happen from time to time. I am happy that her children lived, but the touch, nor reading the bible verses, nor god had anything to do with it.
If they had read from Lord of the Rings and prayed to Gandolf, the results would have been the same.
When my grandmother was 85, she was diagnosed with lung cancer. She had smoked most of the life and this wasn't unexpected.
I went to visit her in the hospital and she looked me dead in the eye and said "I'm going to beat this"....I replied a very sincerely "Sure, I know you can", but I didn't believe that.
A month later, my grandmother was released from the hospital with no signs of lung cancer. No body in my family is that religious and no one attributed this to god.
We attributed this to my grandmothers body fighting off and killing the cancer within her in a way that medical science can't explain at the moment.
Three years later, my grandmother was back in the hospital with a couple minor strokes and damage to her heart. The doctors told us that she may only have a couple hours or a couple days left to live and we should call any family members right away so they can come to say goodbye.
We called my father and he flew back home as fast as he could to be there before she passed. I picked my father up from the airport and we drove faster than normal to get to the hospital in time. My father arrived as the last of her children to be by her side. He talked to her and held her hand and asked if she was ready to go.
She talked about seeing a plane before her and said she was ready to get on the plane and go. I was there in tears watching this unfold, but apparently my grandmother must have taken flying lessons when she was younger. She took the plane for a spin and landed.
In the coming days, she got better. The doctors and nurses were amazed and didn't quite know what to say. Each day she grew stronger and stronger until two weeks passed and the hospital said that she could go home.
It's an odd thing when you have all of your family emotionally ready for a loved one to die at the age of 88 from a few strokes and heart damage.
It's quite another when they don't.
My grandmother went home, as healthy as she could be given the circumstances.
She lived two more months and quietly died in her sleep in her own bed and knew for certain that she had loving children and grandchildren that cared deeply for her.
Rare events happen from time to time
Insanity - doing the same thing over and over again and expecting different results
The following 3 users Like Rahn127's post:3 users Like Rahn127's post
robotworld (20-01-2012), morondog (20-01-2012), cufflink (22-01-2012)
RE: Very specific, personal experiences...
(19-01-2012 10:06 PM)Ben Wrote: If millions of people prayed to me every time something went wrong, I guarantee a few people would come out of it with amazing stories of the wondrous miracles in my name.
I will pray for you my son.
Please send your donation to.....
The old gods are dead, let's invent some new ones before something really bad happens.
RE: Very specific, personal experiences...
Has anyone ever suspected bold face lying? I can't help but draw this conclusion at times considering how specific the claims. Especially when it is something extraordinary, like priest healing on the spot, and it doesn't have a single piece of documentation like a news paper article.
I find it hard to think they are lying to be when they are generally a nice coworker of mine. The problem lies in the extraordinary claims and zero evidence. For me to cope with the lying I pawn it off as severe delusion, which is also hard for me to adjust with considering there are so many people with what I might call with severe delusion.
"We Humans are capable of greatness." -Carl Sagan
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Create lyrics explanationSelect some words and click "Explain" button. Then type your knowledge, add image or YouTube video till "Good-o-meter" shows "Cool" or "Awesome!". Publish your explanation with "Explain" button. Get karma points!
Dakota Star – Crash lyrics
Fly into a rock
Elevated into convulsions
Poisoned by our poison
And crash
Attack young kamikaze
Pressure, the pressure of life
Makes man mad
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text:
Beer Notes
Biere Mag
Beer Passion
Brew Your Own
Cream City Suds
Beer Me!
Eric's Beer Page
Hop Page
to Belgian Beer
NM Virtual Brewpub
Northwest BrewPage
Will Anderson
Stephen Beaumont
Dan Bedell
Bobby Bush
Tom Ciccateri
Horst Dornbusch
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By Marty Nachel
"A beer is a beer is a beer is a beer, until you've tasted _____." This popular little jingle
for a national brand beer seemed to promise beer drinkers something special if they were to
choose this particular brand. Unfortunately, the assertion that a "beer is a beer" held true
even for the product being advertised.
And so it was back in the 1970's, undoubtedly the
nadir for the American brewing industry. The self-destructive nature of the business and
the insipid products being produced by the corporate brewhouses, whose bottom-line mentality
called for quantity rather than quality, have left an unfair imprint of beer in the collective
mind of the American public. Even today, as the pendulum has long since begun its reverse
swing, we as a nation still maintain a simplistic view of beer as a one-dimentional,
unsophisticated and readily abused drink of the working class.
More often than not,
beer has been relegated to serving as little more than mouthwash for pizza, pretzels
and mustard-slathered hotdogs. It is unfortunate that so noble a beverage should
suffer such an undeserved fate.
The history of beer would seem to accord it some semblance of honor. It is, afterall,
estimated to be over 10,000 years old. Anthropologists hypothesize that Neolithic man made
the transition from the nomadic lifestyle of the hunter/gatherer to the relatively sedentary
lifestyle of an agriculturist in order to cultivate the grain needed to brew beer.
This Stone Age beer, crude as it may have been, was an important source of nutrients
for these early hominids. While this same grain was used for the baking of bread, it
was rendered more nutritious after having undergone the malting process in which the
starchy insides of the kernels were transformed into proteins and soluble sugars.
Beer has always held high ceremonial and social value throughout the millenia.
In ancient Babylon and Mesopotamia there were beer gods and goddesses, dieties
of high rank and honor to whom hymns were sung and offerings were made. These
spiritual beings wielded power and authority over the sun, the rain and the
soil - all things necessary to provide a bountiful harvest of grain.
In Middle Age Europe, where the history and tradition of beer is solidly rooted,
the reverence given this beverage created other, more earthly incarnations of
the gods that came before. King Gambrinus is to beer what Bacchus is to wine.
The lore behind this mythical figure suggests that there may indeed have been
a real Gambrinus. The rotund Belgian blueblood was of French extraction and
his title was Duke Jean the First.
In the Flemish speaking regions he was
known as Duke Jan Primus and over time, this has been corrupted into
Gambrinus. The popular tale tells of the portly aristocrat's fondness
for beer leading to seemingly endless beer drinking marathons. In
one instance it is said that Gambrinus consumed 388 glasses of beer
in one sitting. For this dubious distinction he has been immortalized
as the King of Beer. (At the risk of sounding blasphemous, never is it
stated the size of his glass or length of his sitting.)
As if paying
homage to a King of Beer wasn't enough, there is also the story St.
Arnoldus who, after saving the stores of beer from a brewery fire,
is now honored as the Patron Saint of Beer. Another tradition
that has persisted through the ages is the brewing of beer by
trappist monks. This practice has provided liquid sustenance
for their secular countrymen but more importantly, the sale
of these prized potables has provided financial sustenance
for the Abbeys that produce these truly unique beers.
Many modern day celebrations are centered on or inclusive of beer. Munich's Oktoberfest,
also widely celebrated in the United States, is recognized as the world's biggest beer bash
but it is actually a commemoration of the September, 1810 wedding of the Duke of Bavaria
to the daughter of a wealthy Baron.
The nuptial feast was preceeded by two weeks of
pageantry and bibulous entertainment provided by Munich's six breweries. Of course,
today the wedding is just footnote to the Oktoberfest celebration. Another German
tradition is Fasching, the beer consumer's equivalent of Mardi Gras. Ironically, while
obedient Christians observe the lenten laws of fasting, they maintain a steady intake
of beer - ostensibly for their health.
Regrettably, too little of beer's relevance to today's world is recognized. The first
ever consumer protection law was written on behalf of the beer drinker. Duke Wilhelm IV of
Bavaria's Reinheitsgebot (German Purity Law of 1516) set parameters by which today's German
brewers still follow. The famous red triangle on the label of Bass ale is recognized as
the world's first international trademark.
An alewife is now just a fish instead of the
dutiful spouse who brewed the family's beer. A bridal shower, to my knowledge, never includes
Bride Ale - a special brew made by the betrothed to be served to her guests. And who can
appreciate that this very country was fought for and won by soldiers whose daily rations
included a quart of beer? Let's not forget that George Washington, James Madison, and
Samuel Adams were brewers of beer, that Benjamin Franklin and others proposed the idea
of a government-operated brewery, and that Thomas Jefferson wrote the first draft of
the Declaration of Independence while quaffing his favorite ale at a Philadelphia tavern.
Beer, as simple as it seems, is rather an amazing beverage. Defined primarily by four main
ingredients - grain, hops, yeast and water - the variables contributed by each allows for a wide
variety of styles. Grain is the source of fermentable sugars and barley is the grain of choice
due to its properties that lend well to the malting and brewing processes. Other grains such
as wheat, corn, rice, oats and rye can be used to achieve various results.
The hops, arguably
the most misunderstood of beer's constituents, came to the beer making process almost by
accident. The consequence of heating malted grain in water is a sugary soup and the
cloying sweetness of the malt sugars need to be balanced with an appropriate bitterness.
Over the years, twigs, leaves, bark, berries and a host of less palatable ingredients
were tried until hops were discovered in the 13th century. Not only did the hops
provide the perfect balance in flavor, but a delectable aromatic quality as well.
Not until modern science interceded was it discovered that hops contribute the
additional benefit of protection against microbial infection, thus leading to a
longer shelf life. Yeast is a voracious one-celled organism with a renowned sweet tooth.
Yeast is capable of self- reproduction and was not officially recognized as an
ingredient in beer until Van Leeuwenhoek invented the microscope. The hard working
yeast is the catalyst of fermentation; in consuming the malt sugars, it provides
in return for its meal, alcohol and carbon dioxide.
Today, genetically superior
yeast strains have been engineered for a variety of beer styles. Finally, water
is given very little credit for its role in brewing even though it represents 90
to 95 percent of the finished product. Thanks once again to modern technology,
water's acidity and alkalinity can be altered and adjusted to suit the needs
of the individual brewer with regards to the style intended.
Information key to appreciation
Anyone who has ventured into the sometimes intimidating world of wine appreciation knows
that information is the key. The basic ingredients used to make beer have been covered but
a simple definition of beer is still in order. Beer is a generic term used to describe any
fermented beverage brewed with a cereal grain.
Falling under this heading are two sub-categories:
ales and lagers. The primary difference in these styles is the yeast used to ferment the beer.
Ale yeast is considered "top fermenting" and works best in warm temperatures. Lager yeast is
considered "bottom fermenting" and was developed to work best in cold temperatures. Just as
wines can be classified simply as "reds" or "whites", so, too, can beer. The lager
category is the white equivalent- generally lighter in body and color with a narrower
flavor profile, tending to appeal to a wider audience. The ale category is the red
equivalent - darker, rounder, more robust and more expressive; appealing to those with
an experienced palate.
All of the world's brewing styles fall into one of these two
categories. Currently, there are about 25 recognizable styles and probably several
others that exist only in remotest corners of the world. Without naming all of them,
here is a sample of some of the more popular ales: pale ale, brown ale, bitter,
porter, stout, weissbier, and barleywine. The popular lagers include Pilsner,
bock, Oktoberfest, malt liquor and export. In addition, there are what can be
considered hybrid styles like steam beer and cream ale, and techno-beers like
dry beer and the "brew du jour"- ice beer. All of these can be divided into
what I like to call Old World and New World styles. The division runs loosely
along the ale/lager dividing line as the lager style was not even invented
until the 1850's. All beer up until then was considered ale.
Some of the
newer world styles are the result of Madison Avenue brainstorms - marketing
hype and little else. Fortunately, the spectrum runs to the opposite end as
well. The general rule of thumb is beer is best consumed early - the closer
to the brewery the better. So who would believe there are actually vintage
dated beers? These laying down beers, though few and far between, are
estimated to have shelf lives of 20 years and longer. Proof that beer
can have every bit as much depth and complexity as wine. All in all,
after decades of cheapening beer, in both product quality and public
conception, there is a legitimate return to the old world ways of brewing beer.
By the 1970's, the American brewing industry had cannibalized itself through a series
of hostile mergers and take-overs. There were, at that time, only a handful of regional
breweries left to serve the local markets while the large national breweries carved up
the majority of the sales pie. As a smaller number of companies produced a larger volume
of America's beer, it became lighter, blander and embarrassingly similar.
About the same
time, imported beers began making real inroads to the domestic marketplace. Just a
handful of highly visible brands led the way for others to follow. As more American
beer consumers turned their attention to beer from afar, many brewers from afar were
anxious to grab the attention of the American beer drinker. Before long, we were
being inundated with foreign brews. In time, this became a double-edged sword;
while consumers were developing an appreciation for better beer, there was an
increase in low quality beer coming to our shores. Just about the time this
indiscriminate influx of foreign beer began to wane, the microbrewing industry
was just hitting stride.
This slightly-larger-than-cottage industry was
capitalizing on a number of social and financial factors. Not only had
the upscale American beer drinker acclimated his palate to new and interesting
styles of beer, but this was also in the era of the disposable income.
Whether cultivating an image or satisfying discriminating tastes, the
young urban professional was a ready made market demographic waiting
to be exploited. Though these nouveau riche are likely to move on
to the next "high concept" mode of dining/entertainment, the microbrewing
movement is now firmly established.
Americans are once again enjoying beer
styles unheard of just a decade ago. Another of the more appealing
aspects of the microbreweries and especially the brewpubs, is their
regionality. All of them tend to play up on the foods and beer styles
indigenous to their own cities, states and regions. Each new
microbrewery that opens, in a sense, creates its own little niche
market. Alert travellers can now seek out these locally handcrafted
brews as they journey cross country.
The when and where of pairing
To play the beer-equivalent role of the sommelier, is to play the role of trailblazer.
Beer's place in the dining experience has been inconsequential and beer/food pairings
generally occur as a matter of happenstance. Where even novice wine consumers have a
simple "red meat-red wine" rule to follow, no such guideline exists for beer drinkers
- novice or otherwise.
My first and favorite rule is simple: "disregard all the rules."
This was based on the facile ideology that taste is a subjective thing and no one can
tell you what you like. This worked fine until the number of available styles grew and
was then multiplied by the number of brand names, eventually making any decision a
daunting experience. Using that imperfect bit of mathematical reasoning, it is
conceivable that for every food there is an appropriate beer choice. It quickly
became apparent that guidelines, however basic, were needed.
To fully enjoy any beer and food combination, you have to factor in time and place.
Grilling chicken on the backyard barbecue on a hot August afternoon begs for something
cold, light and refreshing like a wheat beer or a cream ale. At the opposite extreme,
a steaming bowl of rice pudding on a frosty winter evening deserves the complement of
a rich porter or stout, served at cellar temperature.
Certain well-hopped beers such
as Pilsners, steam beers and India Pale Ales make excellent aperitifs while a
post-prandial beer list might include a brown ale or a Kolschbier to aid in digestion.
As the day is winding down, nothing can match the malty excesses of beers like barleywine,
doppelbock and Imperial Russian Stout- served slightly above room temperature in a brandy
snifter, of course!
That is the beauty of beer. The range of styles from light to dark, dry to sweet, mild to
robust - there is an unlimited number of culinary combinations to be made. Let's take a look
at some specific pairings:
Spicy Food: the average person's first inclination upon eating a bowl of five-alarm chili is
to reach for something cold and wet in an effort to wash away the lingering "heat". This may
work sufficiently, but if cold and wet is all that is needed, why not save money and drink water?
Try instead to enjoy both the hot spiciness and the beer. Serve a medium bodied lager such as a
bock beer, a Marzenbier, or a Vienna style beer. All of these are substantially malty and have
a creamy mouthfeel. Rather than rinsing the mouth, these beers will coat the mouth and tongue
and the sweetness will help to extinguish the flames enjoyably.
Mediterranean (Greek, Italian, Spanish): the focus is on these 3 countries whose cuisine
is pretty much defined by regular use of olives, olive oil, garlic, herbs, citrus and tangy
cheeses. Their pasta, seafood and rich meats are easily paired- a well balanced Munich pale
lager works well with the pasta and a hoppy pale ale goes well with pork and lamb.
Pilsner beer is famous for pairing with fresh fish and a traditional porter stands
up well to oysters, shellfish, and salt-cured fish.
Indian: East Indian cuisine, though occasionally spicy, is prepared with subtle finesse.
A complex variety of herbs and spices are used in the preparation of Indian dishes but none
more obvious than curry. Light bodied premium lagers are recommended so as not to overpower the food's subleties.
Asian: Asian cuisine is fairly simple. With the exception of Korean dishes, the
ubiquitous fish sauce, from the mild Vietnamese variety to the rich Cambodian version, is
a common thread. Beers with mild hop bitterness and some residual sweetness like a
Dortmunder/Export pair nicely with these offerings. Japanese beers are excellent
for pairing with the delicate fresh (and often uncooked) fish and other delicacies
from the sea that are consumed throughout that country. Tsing-tao, with its German
pedigree, is undoubtedly the best for complementing Chinese food, whether Cantonese,
Mandarin or Szechuan in style
French: Easily defined by pungent cheeses, fine meats and rich sauces, French haute
cuisine is no place for timid beers. Biere de garde, a beer style of true French origin,
is a natural with aged and herbed cheeses. The rich, earthy Belgian trappist beers will
complement most red meats nicely. For rich sauces, a mildly malty but sharply refreshing
Saison is just what the gourmand ordered.
Continental cuisine: The countries that comprise this category are from the "beer belt"
of the north and their national cuisines don't just go well with beer, they were built around
beer! Slavic, Czech and German foods have a natural affinity for beer. Strong, aged cheeses,
pork, chicken, coarse breads, and the best of the wursts don't need any coaxing to find a
liquid partner. The venerable altbier with cheese, a malty/hoppy Maibock with barbecued
white meats, Munich dunkel (dark) with pumpernickel and rye, and a malty Oktoberfest or
Marzenbier with most sausages. One additional treat for the true epicure - try a Bamberger
rauchbier (smoked beer) with smoked ham or smoked sausage- pure delight!
Dessert: Beer with dessert is a combination capable of ambrosial heights. Rather than
trying to match sweet with sweet, try contrasting tastes instead; sometimes this approach
brings better results. A double chocolate cake would find a nice contrast in a dry Irish
style stout or possibly a robust porter. A Belgian white beer, even one brewed in the
U.S., would spice up any fruit-laced arrangement. Strawberry shortcake would mate well
with a pale bock and a box of chocolates would dissappear quickly with an uncorked
bottle of framboise (raspberry lambic beer) in the vicinity.
And then again, after a satisfying meal a pint of malty Scotch ale is a dessert unto itself!
� 1997 Marty Nachel
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Geosoft Articles
Choosing the right magnetic field inversion method for your geological situation
February 19, 2015 | by Taronish Pithawala
When it comes to creating exploration models with magnetic field observations, the common approach has been to produce a susceptibility model from conventional inversion methods. This approach makes the fundamental assumption that the subsurface is magnetized solely by induction and in the direction of the Earth's inducing field.
Geoscientists have now realized that this fundamental assumption is invalid more often than not. Remanent magnetization can be caused by several geological processes including: burial, iron oxidation, and even how long a body has been sitting in the present magnetic field. Furthermore, there are anisotropic effects that can alter the magnetization direction; for example highly magnetic iron ore bodies often have their magnetization direction aligned with their long axis – commonly down plunge or down dip.
In some situations, where geophysicists are confident that magnetization is induced solely in the direction of the Earth's magnetic field, conventional susceptibility modelling places a very helpful constraint on the model – and yields satisfactory results. However, this is a rare case and 100% confidence is not guaranteed.
In other scenarios, making sense of the conventional susceptibility result often requires unavailable information (from drilling) to define the source and extent of remanent magnetization and anisotropy. In the absence of this information, reliable interpretation of the conventional susceptibility model is all but impossible. Geological insight is therefore hard to obtain from the magnetic field data as the spatial extent and structure of the anomaly is obscured by effects not accounted for by the modelling algorithm. Here, conventional susceptibility models are not recommended.
Geosoft introduced Magnetization Vector Inversion (MVI), as part of its cloud-powered VOXI Earth Modelling platform, in 2012 to address this challenge. MVI is a method for solving the magnetization amplitude and direction regardless of the source and extent of remanent magnetization or anisotropy. The result is a model of the magnetic source bodies irrespective of how they were magnetized. The MVI method is widely applicable in all geological situations since it is not negatively affected by the processes that alter magnetization direction. It is the recommended inversion approach for magnetic field measurements.
Several applied examples have since been published demonstrating the use and benefit of MVI in regions of low magnetic latitude, such as South America; regions of known remanent magnetization and when modelling highly magnetic bodies. MVI has also proven to be beneficial at regional scales or in data-poor environments where little is known about the nature of the magnetization.
MORE: Inversion of magnetic field data from the Arctic to the Andes
Validating or improving geological models with magnetic field data is an important part of creating a unified 3D exploration model to guide drill planning. This can only be obtained when there is consistency in the methods used and in the integration of the data.
The benefit of the Magnetization Vector Inversion technique, now proven in the field, is its ability to produce results that are consistent with more geological environments than conventional susceptibility modelling.
The end result is an improved understanding of the subsurface from magnetic field data and a more reliable 3D exploration model.
3 Ways to apply this information:
- Learn more about the benefits of MVI, and find resources for Magnetization Vector Inversion
- Find out how to get started with VOXI and MVI, and contact us to assess its suitability for your projects
- Share this post with colleagues on LinkedIn
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Allium Millenium
Millennium Allium Ornamental Onion
DetailsAllium Millenium (Millenium Ornamental Onion) provides lots of gorgeous, butterfly-attracting flowers in late summer when the garden is most in need of color. We have come to adore this Allium for its numerous virtues: attractive, shiny deep green foliage, profuse display of bright rose-pink flowered globes, vigorous growth rate, and excellent deer and rabbit resistance. Best of all Allium 'Millenium' is a foolproof companion plant that looks great with many other summer blooming perennials. This superb allium hybrid is difficult to find in the trade. It was originally selected in 2000 by Allium maven Mark McDonough. 15" tall x 18-22" wide (Propagated by division). This Allium is shipped as a pot, not as a bulb and differs from commonly found Allium in that it blooms in late summer, instead of spring.
|Common Name
|Millennium Allium Ornamental Onion
|Botanical Name
|Allium Millenium
|5, 6, 7, 8, 9
|Light Requirements
|Full Sun
|Flower Color
|Pink, Purple
|Mature Height
|15" tall
|Mature Spread
|18-22" wide
|Bloom Time
|Ships As
|Potted Plant
|Planting Time
|Spring / Summer, Fall
|Soil Type
|Clay Soil, Sandy Soil, Average Soil
|Soil Moisture
|Amount of Rain
|10 to 20", 20 to 30", 30 to 40", 40 to 50"
|Deer Resistant, Attract Butterflies, Bee Friendly, Rabbit Resistant, Easy to grow, Fragrant Flower / Foliage, Good for Cut Flowers, Good for Containers, Good for Dried Flowers, Adds Texture
|Prohibited In
|Ideal Region
|Suitable Above 7000 ft, Hot Desert, Coastal California, Northeast, Southeast, Midwest, Southwest, West, Pacific Northwest
|Yes - Learn More
|Ships to Hawaii, Alaska & Canada
Planting Guides
Planting and Growing Allium (Ornamental Onion) Plants
Allium (Ornamental Onion) is a large genus of culinary and ornamental plants with deep green folliage and excellent deer and rabbit resistance.
- Bulb types are late spring/early summer bloomers that go summer dormant.
- Late summer/early fall bloomers (like 'Millennium') are not bulbous and grow actively over the spring and summer months.
- Plant in most any type of soil including clay, with full to part sun. Mulch with common mulch materials, such as bark, pine needles or gravel.
- Allium prefers dry to moderate soil moisture once established.
- Cut bulb-types to ground level when foliage begins to turn yellow in summer. Cut non-bulb types to the ground in fall.
- Fertilize lightly in fall with Yum Yum Mix/compost blend.
View more Planting Guides, or download our complete Planting Guide for tips on caring for your plants when you receive your order, as well as planting instructions for Perennials, Spring-Planted Bulbs, Fall-Planted Bulbs, Cacti & Succulents, Xeric Plants and more.
Plant Shipping: Buy now and we will ship your order at the ideal planting time for your region. Expected ship week will display on the cart at checkout after you enter your zip code. Spring-Planted Perennial and Bulb orders will ship from Feb 25 through mid-June, warmest zones first.
Most plant and bulb orders arrive within 2-6 days, or less, of leaving our greenhouses in Colorado. This prompt delivery is provided without additional express charges.
Grass Plugs Will ship at planting time in spring, beginning in late February.
Wildflower Seed & Grass Seed Orders ship within 2-3 days.
Standard shipping costs are $4.99 and up, depending on the size of the order.
Make Fast Even Faster: For 'Rush' same week delivery, please call customer service at 800-925-9387.
Reviewsby PowerReviews
REVIEW SNAPSHOT®by PowerReviews
- Accurate instructions (4)
- Attractive (3)
Best Uses
- Garden (3)
- Reviewer Profile:
- Avid gardener (3)
- Primary use:
- Personal (4)
Reviewed by 5 customers
- Accurate Instructions
- Attractive
- Attracts bees
Best Uses
- Garden
- Patio
Comments about High Country Gardens Allium Millenium:
Initially, I put the allium in a spot in my yard to mature because they didn't look like much. At the beginning of the third year I transplanted the allium to my front entry area and they eventually grew to about 12-15 inches wide. I planted them around a yellow/magenta floribunda rose. To say they look stunning would be an understatement. I am an avid flower lover and these are now my most favorite flower of all. The blooms on my allium lasted throughout the summer. I'm buying more.
- Primary use:
- Personal
- Accurate Instructions
- Attractive
Best Uses
- Outdoors
Comments about High Country Gardens Allium Millenium:
I planted these in a perennial garden surrounding a water fountain. They arrived in very good condition, packed well, and looked healthy. There was not shock when planted, but I was pleasantly surprised when they bloomed the very first year. I am sure they will only get larger and more beautiful as they mature.
- Primary use:
- Personal
- Accurate Instructions
- Attractive
- Hardy
- Healthy
- Versatile
- Not For Shady Areas
Best Uses
- Garden
- Meadow Garden
Comments about High Country Gardens Allium Millenium:
This plant looks great no matter where you place it. I have included it in formal and country gardens, as well as in my meadow garden. The plants get bigger and better every year. They really take the heat and sun, but will also do well in part shade. The plants are easy to transplant, and you can break up a large clump and have two nice clumps flowering by mid-summer. Just beautiful!
- Primary use:
- Personal
- Accurate Instructions
- Fragrant
- Hardy
- Versatile
Best Uses
- Garden
Comments about High Country Gardens Allium Millenium:
This is a mid-summer bloomer and a fantastic attractor of honey bees.
- Primary use:
- Personal
- Easy to care for
- Good For Bees
Best Uses
Comments about High Country Gardens Allium Millenium:
Been using this product for awhile.
- Was this a gift?:
- No
Suggested Companion Plants:
USDA Hardiness Planting Zones
To determine if a plant is sufficiently cold hardy, the USDA created numbered zones indicating winter low temperatures; the lower the zone number the colder the winter.
- If the coldest winter temperature expected in your area is -15°F (zone 5) then any plants rated zones 3-5 will survive the winter temperatures in your area.
- If you live in very warm winter areas (zones 9-11) plants with zones 3-4 ratings are not recommended. The lack of freezing winter temperatures do not provide a time for winter dormancy (rest).
Find Your Planting Zone:
Enter your Zip Code to find your USDA Planting Zone


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From June 2018 we offer flights to/from Florence.And also flights from Porto to Barcelona, London city and Ponta Delgada and will boost services to Brazil and Canada.
Check your inbox.Within the next five minutes you will receive an e-mail with instructions to create a new password.
Forgotten your Victoria client number? Please contact us and we will help you:


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Create lyrics explanationSelect some words and click "Explain" button. Then type your knowledge, add image or YouTube video till "Good-o-meter" shows "Cool" or "Awesome!". Publish your explanation with "Explain" button. Get karma points!
Coil – The Sewage Worker's Birthday Party lyrics
This is not Paradise Lost
But Paradise Disowned
Virgin Mary, weak and wild
Rids herself of an unwanted child
Price of love, Pain to pay
For a quick visitation in the hay
A reign of love
That stank of death
Nowhere New Jerusalem
No Festival of Light
A moral mean majority
"Kill a queer for Christ"
Lyrics taken from http://www.lyricsmode.com/lyrics/c/coil/the_sewage_workers_birthday_party.html


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Arts & Culture
Sponsored By
Top Upcoming Pro Wrestling Shows Near Las VegasThere is a huge fan base in Las Vegas for pro wrestling and events are staged throughout the year. Check out these matches for the coming months.
Top First Date Spots In Las VegasFirst dates can be so awkward. Do you want to go for a walk, take in a movie or show or just have some coffee and talk? Thank goodness there are so many comfortable places to visit that make the conversation just a bit easier as you enter into a new relationship.
How To Create A Back To School Time CapsuleCreate some back to school memories, then re-visit those memories for many years to come. A back to school time capsule is a great annual tradition. Here's how to make one and a few ideas on what to include in your family's capsule.
Top Operas In Las VegasOpera is embraced by many in Las Vegas, and there are three opera companies in Southern Nevada as well as traveling productions.
Top Community Gardens In Las VegasWhen spring arrives, many folks start thinking of growing their own produce. Unfortunately, too many Las Vegans live in apartment homes or complexes that don't accommodate gardens. Enter the community garden that may or may not operate year-round, depending upon its location.
Top Photography Classes In Las VegasWith advent of social media, everyone has become a photographer. For those who want to enhance and improve their skills, a number of photography classes are available in Las Vegas.
7 Best Beach Reads For Summer 2016Warm summer weather means it's time to pack up your bag with a great new book, don your sunglasses, and hit the beach.
How To Discover Your Passion In 5 Easy StepsFeeling stuck? Break through the boredom and discover your true passion with these tips from Angela Duckworth, author of ""Grit: The Power Of Passion And Perseverance."
Top Summer Conventions Held In Las VegasLas Vegas has some of the world's most lavish and accommodating convention centers and exhibit halls. What a great way to escape the scorching sun by attending one of the hundreds of conventions that are rolling into town this summer.
Top Spring 2016 Races In Las VegasEven with the summer temperatures in Las Vegas, there are runs and fun walks to not only keep in shape but support worth causes for both adults and kids.
Top Spots For Tap Dancing Lessons In Las VegasChildren love to move and adults need to get fit. How better to do this than to take a tap dancing class that is sure to get your heart pumping and your body in shape!
7 New Books For Spring Book Club PicksSpringtime is here, and so are many great books to read with your book club.


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Open Mic Night
Onstage: 9:00pm
Running for over ten years, Whistle Binkies Live Music Bar continues to host Edinburgh's longest running Open Mic night. Every Monday from 9pm to 3am Whistle Binkies becomes a place for you to perform.
Either just turn up for a slot or make an advanced booking through our request form on our Play With Us page.
Event Details
Event: OPEN MIC NIGHT
Date: Monday 14th November 2016
Venue:Whistle Binkies
Time : 21:00 - 03:00
Cost: Free
Forthcoming Gigs…
Monday 20th August
Open Mic Night
Monday 27th August
Open Mic Night
Monday 3rd September
Open Mic Night


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Pojunis v. State of Nevada, et al.
CJCL files lawsuit in separation-of-powers case
The Center for Justice and Constitutional Litigation at NPRI has sued Mo Denis, the Public Utilities Commission, and the State of Nevada for violating the separation-of-powers clause in Nevada's constitution.
By challenging Nevada's long-standing abuse of the separation-of-powers principle, this case is the first step in restoring the balance of power in Nevada's government and guaranteeing the liberties of the people.


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(y/n) has nothing to live for any more her dad died...
Me my guitar and Niall
- by mariisolx
- Rating:
- Published: 20 Oct 2012
- Updated: 9 Nov 2013
- Status: In Progress
When Maryalex becomes part of the One Direction tour as the new guitarists. she never expected to fall for Niall and Niall fall for her. But her having a boyfriend gets in the way wich makes Niall go crazy and makes him fight for her.
Join MovellasFind out what all the buzz is about. Join now to start sharing your creativity and passion
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This article originally appeared at TomDispatch.com. To stay on top of important articles like these, sign up to receive the latest updates from TomDispatch.com.
What if rising sea levels are yet another measure of inequality? What if the degradation of our planet's life-support systems—its atmosphere, oceans, and biosphere—goes hand in hand with the accumulation of wealth, power, and control by that corrupt and greedy 1% we are hearing about from Zuccotti Park? What if the assault on America's middle class and the assault on the environment are one and the same?
Money Rules: It's not hard for me to understand how environmental quality and economic inequality came to be joined at the hip. In all my years as a grassroots organizer dealing with the tragic impact of degraded environments on public health, it was always the same: someone got rich and someone got sick.
In the struggles that I was involved in to curb polluters and safeguard public health, those who wanted curbs, accountability, and precautions were always outspent several times over by those who wanted no restrictions on their effluents. We dug into our own pockets for postage money, they had expense accounts. We made flyers to slip under the windshield wipers of parked cars, they bought ads on television. We took time off from jobs to visit legislators, only to discover that they had gone to lunch with fulltime lobbyists.
Naturally, the barons of the chemical and nuclear industries don't live next to the radioactive or toxic-waste dumps that their corporations create; on the other hand, impoverished black and brown people often do live near such ecological sacrifice zones because they can't afford better. Similarly, the gated communities of the hyper-wealthy are not built next to cesspool rivers or skylines filled with fuming smokestacks, but the slums of the planet are. Don't think, though, that it's just a matter of property values or scenery. It's about health, about whether your kids have lead or dioxins running through their veins. It's a simple formula, in fact: wealth disparities become health disparities.
And here's another formula: when there's money to be made, both workers and the environment are expendable. Just as jobs migrate if labor can be had cheaper overseas, I know workers who were tossed aside when they became ill from the foul air or poisonous chemicals they encountered on the job.
The fact is: we won't free ourselves from a dysfunctional and unfair economic order until we begin to see ourselves as communities, not commodities. That is one clear message from Zuccotti Park.


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Irreverent responses from the editor-in-chief of AFAR magazine.
Irreverent responses from our favourite travel ninjas.
Name: Julia Cosgrove
Title/bio: Editor-in-chief, VP, AFAR magazine
Twitter/website: @jules_afar | afar.com
Born in: New York, New York
Currently living in: Oakland, California
1. Where would you rather be right now?
At a Basque tapas bar in Barcelona, Spain, with a glass of Txakoli in hand
2. Famous person (dead or alive, real or
fictional) you'd most like to go on a trip with:
David Byrne
3. Everyone asks what's #1 on your list of
places you want to go before you die. But what's your #3?
4. You'd be mortified if people knew you
did what when you travelled?
I have a pre-takeoff tapping ritual that's my version of clutching rosary beads.
5. Your most stranded, "oh-my-[deity]"
travel moment:
A dawn-to-dusk minivan ride between Puerto Escondido and Oaxaca, Mexico
6. Best (or worst) person/people you've had
to sit next to while travelling:
This summer, on a flight to Istanbul, I had the pleasure of sitting next to a woman who now lives in Orange County, but grew up in Saudi Arabia and fled when she was 18. It was a crash course on '80s-era feminism in the Arab world.
7. Travel-related invention you wish
A teleportation machine
8. Material thing you miss the most when
away from home:
My family — and fresh California produce; every time I walk into Berkeley Bowl [a grocery store], I'm blown away by some fruit or vegetable I've never seen before.
9. The place you don't want anyone to know
about but are willing to divulge here:
The Sea Ranch in northern Sonoma county. It's a foggy utopia.
10. Travel-related film or book that
inspires you to pack your bags:
Emilio Estevez's new film The Way made me want to throw on a backpack and start walking. And I can watch The Motorcycle Diaries and Lost in Translation over and over again.


text:
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text: Pauline and Ian Wildlife Images | How to - Part One - A set Up ..... Pauline and Ian Wildlife Images Blog Guestbook Links All Photographs Latest Images Home»All Photographs»Tips & Tricks!»How to - Part One - A set Up ..... Visitors 274 2 photos Pauline says .......... Looking back the original data reads like this: Exposure Time 1/800 sec - Aperture 1:4.0 - Lens 500mm - Shutter Priority or Av - ISO 200 - Shutter Speed 1/500 sec - Aperture 4 - glad you all understand that then?! (Doesn't mean a thing to me!!)The set up for the bullfinch is a small feeding table (made by the better half!) with a perch chosen (usually pick up 'good looking' twigs/branches while out) and clamped to the small table (big bird table is covered over while photography in progress). Light direction is considered and in winter/early spring speed and lowness of sun cuts down time available at our baited spot (thats even if you get some sun!). For this particular session Ian strung a metal wire between the trees and we draped camo netting over it (a plain brown sheet may be better and I shall buy one soon and try it). The camera is set up on the tripod and positioned - with the 500 on it feet away (much nearer if using 100-400 or smaller prime - you have to think of the size of the birds and how much or little they fill the camera frame), plus I allowed enough space for stuff to land (hoping for the bunch of Long-tailed Tits again - but they never came....). Once camera is where you want it, open pop-up hide and place over the top of camera set up and get in.The dilema always is - do I focus on one spot and wait - or do I move about the twig trying to grab everything - the answer is - it depends on mood and how switched on I'm feeling - and what lands - if a hawfinch landed it would be 'bother the bullfinches' lets get this! Now that its digital instead of slide film you can afford to take plenty - tho I still do tend (30 years ingrained) to wait that split sec for a pose to come good. I've learned that you can take liberties with birds to get their attention - making clicking noises can bring their head up higher - get a 'brighter' more intense look - get them to look over their shoulder etc. It can frighten them off as well so only try this on the common stuff .......... so too can the noisy shutter of the 20D - or as is often the case the first click makes the second pic the one you want - as the bird reacts to the sound......... its hit and miss all the time - and all about reactions - yours and theirs .......... and theirs is faster than yours!Once back home its choose the best pic out of the bunch and now that I have gone 'all the way down the dark side' and then a bit further - its manipulate to your hearts content - try anything and everything is now my advice - you've taken time, care, thought and fuel money for this pic and you want folks reactions to be 'WoW' not 'oh thats nice ........' - don't you?I never batch process (I wouldn't know how cos I don't want to do it) every pic I do on its own merits but I begin in Paint Shop Pro cos its the programme I like. Start by saving the original uncut image somewhere. Then begin work with a crop (different sizes for differing reasons - leave room if you think you might want text around it as in a magazine cover or tight crop to show detail for that Wow reaction) and keep both formats. Having got the pic size I want I 'tidy up' anything distracting: light patches, water marks, lens marks, stray grass, an odd branch - anything that can be deftly removed is - if you can't remove something (too big, cuts across the bird etc)either live with it or discard the whole pic. Sometimes a lot of 'distraction' is ok like reed warblers in reeds, same with bitterns. I now tidy up dirty beaks (seed husk), stray feathers unless they add something to the pic - anything that takes my eye off the subject will be removed, disguised or dumbed down. When you try this it will quickly become obvious to you how much this works - if you have two images side by side and 'tidy' one and leave the other - you will soon learn what looks good and what doesn't. And you will soon look at others work and immediately see what they could/should have removed to make a better pic!I then use the Edge Preserving Tool as it seems to aid the sharpening tool later. Fade Correct follows, Saturation control of some sort follows - up or down depending - sometimes this takes the form of turning the gamma up or down or just using Levels which also tends to warm things. Finally Unsharp Mask - the degree of this differs dependant on the size of the pic. Sometimes a trip to Neat Image helps sort a busy background without compromising the bird. Darkening the edges very carefully with the Buttonise Tool is a matter of preferrence and can give the subject even greater impact as can using the Gradient Tool in Photoshop for adding a colour haze to the background. This particular bullfinch shot I also Rotated Left slightly to make it fit Landscape format simply because I didn't want a smaller image in an upright Portrait Crop! There are probably plenty other tricks I have yet to discover ...... In addition months later I have now discovered the uses of a free download called Neat Image (there is also Noise Ninja) either of these progs can be excellent at putting a classy professional looking finish on a pic and are well worth trying, esp if the background isn't as out of focus as you might like - these progs will smooth it away behind the bird and improve the sharpness of the subject if used sparingly ......For me so long as the end result lremains looking natural with my over riding criteria being - is this what my eye thought it saw - then that is what I'm striving for - its an act of creation for me - not just taking a photograph ........I will be interested to hear others reactions to the above - some folk I know won't like it - they have the view that a pic is made in a camera - which with slide film it was and you had to get it right on the spot - tho this is only partially true as a lot of work on perches, traimming stray grass with scissors, lighting, filters etc was often done. Digital merely involves doing that work after instead of before and allows me the kind of creative control I need to express myself ......... Guestbook for How to - Part One - A set Up ..... Pauline and Ian Wildlife Images Thanks David - will look for this and give it a go. David Humphreys I am enjoying your photos and learning from your tips. I also am a fan of PSP and find it much more user friendly than its more famous competitor.May I suggest you give "Noiseware" by Imagenomic a try. A free version is available for download.Having tried various noise removal progs , including Neat Image , I like this one best. Pauline and Ian Wildlife Images Thanks Davy, Jonners and Klaus: Since doing this particular shot I have discovered the Neat Image progamme and this can make a big difference to an out of focus background, also its sharpening of the bird/subject can be excellent - all worth trial and error! Keep up the good work folks...... klaus(non-registered) Pauline, thank you for your very practical hints, took note of a few things, it's a great inspiration and help, will try out some of your sugestions with some birds around my property in Malibu California, have pleanty of hawks, pelicans, egrets, terns, blue herons around every day.Bravo!Klaus Jonners(non-registered) Very helpful and informative Pauline. I love the ideas you've put here. There's a lot of work potentially, but your results are well worth it - truly stunning. As for not getting technical... well I guess if I had Paint Shop Pro I might understand more of the processing side, or even perhaps if I knew a bit more about Photoshop Elements (which I try to use). As for "its an act of creation for me - not just taking a photograph ........" I love that concept. There is so much beauty out there, and myriad ways to show it, and what you do you do so very well. Thanks again. The guestbook is empty. 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The Illuminati X-Factor
The mind-controlled showbiz celebs
Weirdness watchers will be only too aware that the occult has seeped into the media mainstream over the last few decades. The nexus of strangeness that was once high occultism has a history spanning many millennia, but over the 20th century it passed from being the exclusive preserve of (mostly English) eccentrics into a commercial media phenomenon.
The word 'occult' itself means anything hidden and sinister – but how hidden is the occult these days, when you can buy pre-written spells and cheery beginners' guides to magic in almost any high street bookstore? And just as bookshop shelves were colonised by titles written to flatter teenage witches, primetime television slots were filled with imaginary vampire-slayers and professional ghost-hunters. The image of the occult became domesticated and tamed – defanged, as it were. Where the subject once had the power to shock and terrify the uninitiated, now only a vestigial frisson of danger remains.
But recently the conspiracy world has started to redefine the occult, reinventing its darker origins and relocating it in more mundane settings. The devil hasn't so much ridden out as moved into fashion, films and pop music. The old imagery of goats, virgins and scrappy chalk pentagrams has been replaced by a subtler and more sophisticated language. Virgins continue to be abused, but rituals no longer rely on bodily fluids collected from altars in old churches. Spells are no longer chanted or drawn on parchment. Instead – so the newly minted history goes – rituals are promoted in the media and played out to packed audiences in giant stadia, with international satellite coverage for those watching at home. Like millions of other people, you may have taken part in an occult ritual without even realising it…
At the apex of the occult pyramid of new world evil are the Illuminati – less a coven of hammy Victorian ritualists, more a dynastic network devoted to the moral and psychological destruction of their victims and the promotion of terror, sociopathic selfishness and bestial sexuality. Endowed with a finely honed sense of dark irony, the Illuminati particularly enjoy flaunting the very symbols of their control in public to influence the collective unconscious.
A key part of the new conspiranoia is a radical restatement of the Illuminati's aims, methods and mission statement. Older forteans are likely to have fond memories of the Illuminati's earlier popular exposure in Robert Anton Wilson and Robert Shea's Illuminatus! trilogy. Wilson – who was or wasn't a high-level initiate, depending on whom you ask – portrayed the Illuminati as something like a grim secret society of occult middle managers. Their recent reinvention is very much darker. Promoted by conspiracists like David Icke, the 21st-century view of the new black magic ties together CIA mind-control methods with both overt and covert military and political operations. While military and political authorities plan and execute acts of economic and physical terrorism, a public propaganda machine channels distracting, destructive and degrading influences through the fashion world, the music business and the endlessly shiny and disordered lives of Hollywood's rich and famous.


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The Port Melbourne setting is fitting for our state of the art go karting track. We are nestled amongst motorsport names like Holden, Toyota, Subaru STi and Jaguar. Simply being in our facility will pep up your mood for a racy experience in our top quality go karts.
So we have to meet a high standard for indoor go karts. The purpose-built indoor racing circuit in Melbourne features grading, sunken corners, a pit lane bridge, three long straights, fast sweepers, two tight and two wider hairpins, two switchbacks and much more.
That's right! Every Sunday and Monday is our $1 a Lap Special*, 40 Lap(25 minute) minimum. Call to book your spot now. Groups less than 8 best call on the day.


text:
Hugh Dubberly, "Managing Complex Design Projects" (pdf) (1995)
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President Muhammadu Buhari's federal minister from the South-eastern part of Nigeria has participated in the public showcase of a locally-made car.
Minister of Science and Technology, Ogbonnaya Onu, rode in a Made in Nigeria car with wooden body at the annual "Technology and Innovation Expo" #Techno2017 in Abuja yesterday April 3rd.
The maker of the wooden-body car named "Amara", Ahmed Aliyu drove the car to the arena in company of the Minister.
Aliyu who is from Niger state, said he rode the car from Bida, Niger state to Abuja and used only 23 liters of fuel. The car uses a motorcycle engine.
All other materials used in the making of the car were sourced locally except the wheel, engine and tyres.


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Who They Are:
University of Arizona Wildcats – Pacific-12 South Conference
Head Coach: Richard A. Rodriguez (1st year)
School Colors: Navy Blue and Cardinal Red
Located: Tucson, Arizona
2011 Record and Rankings:
4-8 (2-7, 11th place Pac-12)
This Year/Last Week:
3-0 / Cruised at home, shutting out the South Carolina State Bulldogs 56-0.
Wk 1 Home: W 24-17 (OT) vs Toledo
Wk 2 Home: W 59-38 vs Oklahoma State
Wk 3 Home: W 56-0 vs SC ST
How They Rank: (National , Conference)
Total Offense: 280 plays, 6.48 YPP, 607.67 YPG (#4, #2) 46.33 PPG
Total Defense: 240 plays, 4.78 YPP, 382.67 YPG (#61, #8) 18.33 PPG
The OTHER forecast:
Patchy fog in the valley to start what should be a chilly morning. When the clouds do burn off, we could see the low 70's in the afternoon, but by the time this game kicks off the clouds will start to roll in and keep things cool in the lower 50's with very moderate winds.
For the first time this season on a game Saturday, there is a 20% chance of rain projected late, and even into to early Sunday – but we know that it never actually rains in Autzen Stadium.
Quick Quack, Stats, and Quotables:
– The 37th meeting of the two teams will kick off Saturday at 7:30 in Autzen Stadium.
– Oregon leads the all time series 23-14, and owns a 12-4 record at Autzen.
– The Ducks have won four straight, and 11 of the past 13.
– The Ducks won last season's conference opener, 56-31 in Tucson.
– Rodriguez was 60-26 at West Virginia from 2001-07, but 15-22 at Michigan from 2008-10.
– Last week Arizona's offense ran a school-record 102 plays and had 689 total yards, two yards short of another record.
-Their new 3-3-5 defense was also dominant, holding South Carolina State to 154 total yards, and pitched its first shutout in four years.
– Rich Rod has never been to Autzen Stadium.
– CB Jonathan McKnight on Oregon: "They are always exciting to watch on TV because of the type of offense they run but their team can be beat, we just have to play really hard against them."
– Rich Rod on having Arizona ranked in the top 25: "We didn't talk much about us being ranked, but just staying glued to the process. Doing what we like to call keeping 'the main thing the main thing.'"
-Rich Rodriguez on offensive philosophy: "I thought – what's harder to defend than the two-minute drill? So we decided to do the two-minute drill all the time."
-On team expectations and looking ahead to the Ducks: "I think our guys understand it's a little different deal starting next weekend…Certainly, everybody is going to be talking about it."
-On Oregon's strengths: "They've got fast dudes, I mean, fast, fast. They've got fast guys playing fast."
– Rich Rod on playing in Autzen: "The crowd will be into it, I'm sure, with it being a Saturday night and on national TV, it's going to be loud." -Sr. offensive lineman Trace Biskin (#72) on playing in Autzen Stadium: "Every time we go up there, it is always an experience, they have great atmosphere up there. It's really loud and really hectic."
– Rich Rod on DAT: "Can he come out early?" Rodriguez said. "De'Anthony, you've proven enough. It's time to go to the NFL. Maybe he can go before Saturday."
– Nick Aliotti on defending Arizona: "These guys seem to do it really, really fast, but we do it really fast here, too. Should be an interesting matchup here."
Their "Boy(s)":
#4 Matt Scott, QB
2012 Stats: 88-123 71.5% 995 yards (306.5PG) 7 TDs, 1 int, 4 sacks, 42 carries, 190 yards, and 2 TDs.
After showing potential in 2008-2010, Scott redshirted in 2011. He was viewed as a back up to Nick Foles, and he saw an opportunity to come in as a favorite to start his senior year and help the program transition after Foles had used up his eligibility.
The 6'3″ 197 lb. quarterback has the ability to adeptly run (with a reported 4.58 40 speed) and throw, and has proven to be a solid fit for the 1st year coach and his spread option offense.
The Ducks defense will have its hands full trying to keep the athletic and intelligent Scott off his game. Facing the Oregon offense all week in practice should help, but Matt Scott is the one to watch this week.
Oregon must use their team speed to contain him when he keeps the ball and get pressure as often as possible when he drops back. I'm not sure if any team in the country can shut out this Arizona team this season, so a few key stops on 3rd down here might be the difference in the game.
#25 Ka'Deem Carey, RB
2012 Stats: 59 carries, 344 yards, 5.8 YPC, 5 TDs. 6 catches, 47 yards, and 1 TD.
Played extensively as a true freshman last season, rushing 91 times for 425 yards and 6 TDs, catching 11 passes for 205 yards and another 2 TDs, and also had 549 more yards as a kick returner.
This season, Carey is the the primary ball carrier and is handling the responsibility well, as his stats show. Not overly massive, but quick and elusive at 5'10" 197 lbs, Ka'Deem figures to be among the top running backs in the Pac-12 this season. Oregon will be seriously tested against the two-headed running attack from Carey and QB Matt Scott.
#29 Austin Hill, WR
2012 Stats: 17 catches, 319 yards, 1 TD
Scott's favorite target has been Austin Hill, who's second in the conference and eighth in the FBS with 319 receiving yards. The sophomore has shown big play ability, averaging over 18 YPC, and is emerging as one of the best in the conference. He provides a big target for QB Matt Scott at 6'3″ 211 lbs and has shown reliable hands on some tough catches.
Look for Terrance Mitchell, and Ifo Ekpre-Olomu to have a physical match up with Hill on one side, and the 6'4″ 215 lb #4 WR Dan Buckner, who leads the team with 22 catches, on the other side.
#33 Jake Fischer, LB
2012 Stats: 33 tackles, 3.5 TFL, 2 forced fumbles
A 215 lb linebacker with an oddly-unlisted height, Fischer played for the 'Cats in 2009 as a true freshman. In 2010, he was a full season starter, but he was lost for all of last season with a knee injury.
In his first two seasons, he amassed 65 tackles, 8.5 TFL, 2 sacks, and a fumble recovery.
Now back in a starting role, Fischer is averaging 11 tackles per game, already has 3.5 TFLs, and has forced two fumbles.
#2 Marquis Flowers, S
2012 Stats: 23 tackles, 3.5 TFL, 1.5 sacks, 2 pass break-ups.
Flowers is one of the most experienced safeties in the conference (especially now with Boyett out). He is also one of the largest, at 6'3″ 221lb. You will see him play up close to the line, almost as an extra linebacker in the 3-3-5 scheme the Wildcats employ.
He brings an obvious physical presence to the defensive backfield, and watch for #2 to come full steam ahead on blitzes as well. A local Arizona product and fan favorite in Tucson, expect the junior to be all over the field making tackles. He will be a key cog in the Arizona defensive gameplan.
#6 Jonathan McKnight, CB
2012 Stats: 9 tackles, 2 INT's, 1 TD
The 5'11" 167 lb sophomore returns to the Arizona secondary after missing all of 2011 with a knee injury. Wildcat fans expect big things for the corner back (he is the brother of former USC running back and current NY Jet Joe McKnight, in case you didn't know.)
So far in the early part of 2012, McKnight appears to have healed up nicely, as demonstrated by his 48 yard pick 6 against Oklahoma State. He also nabbed another against SC State last week.
The Skinny:
You want fast paced football at it's finest? Look no further. Across the nation, fans of entertaining football and touchdowns will be tuning in, watching for this shootout to unfold. Rich Rod vs Chip. Dennis Dixon vs Pat White (ok, maybe not those two).
Current Arizona head coach Rich Rodriguez has long been regarded as one of the most innovative offensive coaches in the country. Oregon in three straight weeks has faced teams running an offensive philosophy similar to Rodriquez's, but the Wildcats are coached by one of the first coaches to really have success with the no huddle spread offense.
The 'Cats are coached by the guru, and have vastly superior talent across the board when compared to the first three of Autzen's victims this year. But can they match the Ducks for four quarters? Can Oregon put together four quality quarters (which they haven't done yet this year)?
For three straight weeks we've watched the Ducks exhibit flashes of greatness while the foot is to the floor, and also flashes of "less than greatness" at times with the foot off the gas. Now, the Ducks face a ranked conference opponent and the starters will be tested for 60 minutes.
How much did the game reps against lesser foes the last few weeks really help the Ducks, and will facing a more worthy opponent be a shock to the system? One thing is certain, the Ducks showed some flaws and made some mistakes during the first three games. Perhaps, most notably, there were an unusually high number of penalties, especially last week.
The Ducks can not afford to give too many extra opportunities to an offense like Arizona's, and they will need to have a better effort in this part of the game.
When looking at the resume of both these two coaches, it's obvious this match up pits two of the best offensive minds head-to-head. The Oregon / Arizona games should now provide more epic battles and a new dimension to an already heated rivalry for many years to come.
Arizona is going to come in, have some success, and score some points, and they may even look good doing it at times. However, so will the Ducks. This game is going to come down to which team makes the most mistakes, but also which team has a deep enough defense to make stops as the game wears on.
It is on the defensive side where Oregon appears to have the biggest advantage. The Ducks will give up some plays, and yards, but Arizona will simply give up more. Last season, LaMichael James went for a smooth 288 on the ground, and many of those buttery soft defenders will be suiting up in this game.
This game will be an offensive explosion, and don't be surprised if the Ducks rush for more than 500 yards, pounding away at it on the ground and asserting themselves late in the game.
Standing room only tickets are becoming slim pickings for this game (at $47/ea), so this game is going to be packed and loud. Throw in the whole night game angle, and this can and should be one of those nights where the Autzen crowd alone is worth 10 points. Fans could see more than 200 combined offensive plays in this game, so there will be no lack of scoring opportunities here.
Ducks – 74
Wildcats – 41
The pictures you see of the Ducks on FishDuck.com come from professional photographers that must be paid! Please donate through one click so we have pictures from all the games this fall to use through the year. All previous donations helped to pay our big Web Developing bills recently, and I do appreciate it.
Our staff and the photographers who have thousands of dollars invested into their equipment to provide the high quality pictures do sincerely thank you. Charles Fischer


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Venue hire
The heart of King's Cross: venue hire at House of Illustration
About House of Illustration
Founded by Sir Quentin Blake and opened in July 2014 at the heart of the King's Cross regeneration area, it is the place to see, learn about and enjoy illustration in all its forms; from advertisements to animation, picture books to political cartoons and scientific drawings to fashion design. A registered charity, House of Illustration identifies and promotes new illustration talent, commissions new work and has a pioneering illustrator-led education and outreach programme.
'Another gem to add to London's bottomless jewel box of art' - Simon Schama
The building
The beautiful nineteenth century brick building was designed by Lewis Cubbit, who also designed King's Cross railway station and the granary that is now Central Saint Martins. It is home to our three galleries and studio, making us a unique event space with changing exhibitions, located in the heart of King's Cross, on Granary Square.
The area
Granary Square is a buzzing new development. Arts students, media professionals and residents mix beside the fountains and in the new Gas Canister Park – with the canal as a scenic backdrop – and there are plenty of restaurants and coffee shops. The restored Victorian warehouses give Granary Square it's unique character and, at the cultural centre of this redevelopment, is House of Illustration.


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Long-term care is a top worry among high net worth and affluent investors of all ages, which opens new opportunities for conversations financial advisors can have with clients, according to the latest Investor Watch Report from UBS Wealth Management Americas.
The survey, which was conducted in March, included responses from 2,611 U.S. investors between ages 25 and 90 with at least $250,000 in investable assets. Half of the respondents have $1 million or more investable assets.
Of those respondents, the number of investors who cited long-term care - including health care and other support - as a top concern climbed to 31% from 26% in January. For 16% of the investors surveyed, long-term care ranked as a greater concern than retirement.
Investors also said they do not feel prepared for to fund the long-term care they will need. While 64% of investors indicated they are highly prepared when it comes to retirement planning, just 37% said they are highly prepared with regard to planning for their long-term care needs. And those results also hold an opportunity for financial advisors, with 39% of investors ages 25 to 49 indicating they are interested in more guidance for their long-term care planning.
This is a harder conversation for advisors to have with clients than even life insurance, because talking about long-term care is actually acknowledging that you are losing self-reliance, Emily Pachuta, head of investor insights at UBS, said in an interview.
The investors surveyed indicated they have a vision for what their ideal long-term care conditions would look like, including maintaining self-sufficiency, staying in their homes and not burdening their families. They have that vision of what it should look like, and yet they have no plans, Pachuta said.
New Views on Risk
While confidence has risen, investors are still treading lightly when it comes to risk, the survey also found. The number of investors who say they are in excellent or very good financial shape rose to 64% from 44% six months ago. But 41% of the investors surveyed indicated that they think of risk as a permanent portfolio loss, a response that Pachuta said is evidence of the scars still lingering from the market turmoil of 2008.
We actually thought that we would see investors going back or indicating that they were going to go back into the markets, but we didnt see that, Pachuta said. Theyre sitting on about 20% in cash, and that remains steady over the past three years regardless of age.
While investors feel more confident financially with 52% indicating they are better off now than a year ago they are not prepared to take on more risk. Of the individuals surveyed, 70% indicated they are more worried about curbing losses than the 30% who worry about not getting into the rising markets.
At the same time, 22% said they have significant cash positions and 26% said they do not plan to reduce those cash holdings. And while 29% of investors said that they avoid taking on debt, most investors said they weigh their borrowing habits into good debt and bad debt categories.
Heightened Concerns from Women
The female investors surveyed indicated they have the same concerns as men, but their worries are more elevated.
That includes the 44% of women who said they are concerned about the future of Social Security versus 30% of men; 37% of females who said they are worried about long-term care compared to 27% of men; and 25% who are worried about who will care for them when they are elderly versus 13% of men.
On average, women live five years longer than men and are also more likely to be caregivers to their parents, spouses or other family members, Pachuta said. Theyre much more conscious about their need for and others need for some of these social services.
For financial advisors, all of those concerns point to a need for having deeper conversation with clients, according to Pachuta.
Financial advisors need to have a real conversation with their clients about how that client views risk, really listen to what the client is saying and strip out a lot of the jargon the industry uses, Pachuta said.
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