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How 401(k) Plans Are Losing and Will Lose Your Money by Investing in Mutual Funds
When it comes to retirement planning, the humble 401(k) is the king of them all.
It's the most frequently used vehicle, due to its widespread implementation by employers, as well as the number of employers now matching employee contributions dollar for dollar up to a certain percentage of their income.
Putting money into a 401(k) seems like a "no brainer", but is it, really?
Truly, yours may actually be losing you money by investing in mutual funds.
What should you do? Should you avoid using this type of plan? How can you safeguard your wealth and avoid investing in mutual funds?
Investing in Mutual Funds Is the Key to 401(k) Performance
You might be surprised to learn that the key tool to wealth building within just about any 401(k) is mutual funds.
Many people are, which is why William A. Birdthistle's book, Empire of the Fund: The Way We Save Now, has ruffled so many feathers.
He writes, that "these funds have ballooned to hold more than $16 trillion. But these funds pose dangers to our savings in three ways: through structural vulnerabilities that give money managers the incentive to focus on marketing over investing; through the very human challenges of managing our savings decades into the future; and through the peril of financial professionals behaving badly, to our economic harm."
It's not just the running of these funds that should irk you. It's also the extreme costs involved here. The fees you'll pay within your 401(k) can be exorbitant, which is one reason that so many lawsuits have been filed regarding them.
Birdthistle goes on to say, "More and more studies have shown irrefutable evidence that in the experiment of putting all this money into the hands of individual investors, the results just aren't there. One-third of Americans have no retirement savings and, of the cohort about to go into retirement, they have $111,000 on average, which works out to about $7,000 per year."
Obviously, that's no way to fund any type of retirement. In fact, it's barely enough to pay for the medical expenses you'll incur that are not covered by Medicare.
Another pundit has further thoughts on why investing in mutual funds through a 401(k) is such a bad idea.
Brad Katsuyama says that, "the problem is that high-speed traders are speeding past portfolio managers to execute trades, driving up the prices at which mutual fund managers can buy shares and reducing the prices at which they can sell their shares. Over time, this takes money out of the pockets of individuals who hold mutual funds in their retirement accounts."
Why Your Expectations Are Hurting Your Investments
One factor that should wake up Americans hoping to plan for their retirement by putting their money into a 401(k) is the fact that you don't always get what you pay for.
In everyday life, paying more for a higher-quality lunch is usually a good thing. The same principle applies to electronics – a higher-end, a higher-quality tablet will cost you more than a bargain-basement option that will only last for a few months before it goes belly up.
Investors bring that common sense approach with them to their 401(k) investing. They assume that higher costs here equate to higher-quality investments.
Sadly, that's not the truth. In the area of mutual funds, price and performance correlate differently. Paying more for a particular mutual fund does not guarantee you higher performance.
In fact, the fees you incur actually hurt performance, costing you money and reducing your retirement nest egg proportional to the fees you pay.
Your Money Isn't Going That Far
A recent study found that rather than spreading the wealth around, most employer-managed 401(k) programs actually favor their own funds.
While that's not inherently bad, it can be for those who want to diversify their holdings and who don't want to rely on the performance of their employer for the bulk of their retirement savings.
While it might seem like a common sense approach from the employer's perspective, it's bad news for employees.
The Danger of Bond ETFs
Yet another reason that investing in mutual funds through a 401(k) might be ruining your financial future is the fact that your money may end up in a bond ETF (or more than one). Exchange-traded bond funds (bond ETFs) are risky and should be left alone by the average investor just hoping to secure a comfortable retirement.
How to Avoid Investing in Mutual Funds and All the Headaches
So, what is an investor to do? Should you avoid 401(k) plans altogether?
No, they can be highly beneficial when managed correctly. And, you can't avoid investing in mutual funds in your 401k plans, because there are no other options.
However, if you change jobs you can simply rollover 401k plans from your previous employer to an IRA.
An IRA will allow you to invest in plain securities without any intermediate risk and higher cost.
As you already know, bonds should be part of every investment portfolio.
However, income from bond interest is taxed as ordinary income, compared to the only 15% tax on long-term capital gain. Therefore, it is tax efficient to invest in bonds from your IRA accounts, while investing in stocks from your traditional investment accounts or from your existing 401(k).
However, you also need to make sure that you're investing in high-quality, individual corporate bonds. These are time-targeted, so you know exactly what you'll earn and when that return will be available.
With a little time and planning, you can actually create a bond ladder that consists of bonds with different maturity dates to help ensure that you have a constant stream of income throughout your retirement years.
This is actually an invaluable financial tool for anyone, whether you're planning to help your kids through college, want to ensure you're comfortable in your "golden year" or just want to build your wealth.
When everything is said and done, remember that investing is complicated, more so than you likely realize. Even something as seemingly straightforward as using the 401(k) provided by your employer could actually put your financial well-being at risk.
It is absolutely crucial that you have sound advice and guidance to navigate these troubled waters, and that you see through the smokescreen that allows mutual fund managers to make a killing while putting their investors' money in danger.


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GameXplain: "Every now and then, we like to get some good friends together and talk about vidja games. Who doesn't? While we do this all the time (we kinda lack lives), seldom do we get sucked into the hype machines (formerly "The Miami Sound Machine") that is a new console announcement.
Last week, several of us GameXplainers chatted with our various internet pals about the PlayStation Meeting, otherwise known as that time Sony announced the PlayStation 4. Join us in a stroll down memory lane as we recap our experiences, thoughts, and armchair quarterbacking."

subset: commoncrawl


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I want to show you how delicious Hispanic food can be!
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Tag Archives: Ginger
Grilled Pork Chops w/ Mango Sauce (Chuletas de Cerdo a la Parrilla con Salsa de Mango)
This is a delicious summer meal that is quick and easy to prepare. Serve this dish with rice, french fries, or a salad (it's all up to you!). This Ecuadorian recipe proves that plain ol' pork chops can be spiced … Continue reading
Shrimp Fritters with Peanut and Coconut Sauce (Bolitas de Camaron con Salsa de Mani y Coco)
Now this dish is surely to blow you away! It's super delicious, easy, and great as an appetizer and/or snack. I made this out of the blue, on Sunday I wanted to bring my roots into play. This dish is … Continue reading
Posted in Appetizer, Ecuadorian, Salsa, Seafood, Snack Tagged Annatto Seed, appetizer, Coconut, Coconut milk, Ecuador, ecuadorian, Ecualombian, Flour, Ginger, Milk, Peanut Butter, recipe, Sauce, Shrimp, snack 7 Comments


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Dedication and hard work yield literacy progress
Ashley Parker is a PDK Emerging leader (2012-13) and a literacy expert who teaches literacy coaches. She is pursuing a Ph.D. at Southern Methodist University in Dallas.
Mississippi is known for presenting tough challenges to educators, but through the Center for Excellence in Literacy Instruction you witnessed some real successes in literacy.
While there were tremendous challenges to tackle, working in my beloved Mississippi Delta — one of the most poverty-stricken areas in America — was a life-changing opportunity. I was able to witness firsthand the power of hope and the importance of diligence. Job-embedded professional development and individualized instructional support were game changers for teachers who initially had little confidence in their potential for success. The Center for Excellence in Literacy Instruction didn't provide a miracle cure or quick fix; we diligently supported teachers in their efforts to use research-driven strategies and student data to make better instructional decisions, differentiate instruction appropriately, and to believe in themselves and their students.
Modeling instructional techniques, creating literacy workstations, providing meaningful feedback related to observations and lesson plans, celebrating success (great and small), all while being positive, honest, and transparent — all of these components made for a successful partnership, which had a tremendous impact on the academic outcomes of children. (Editor's note: Parker and her colleagues, Angela S. Rutherford, and Tamara Hillmer, wrote about their work in "Overcoming the education challenge of poverty in the Mississippi Delta," Phi Delta Kappan, 93 (3), pp. 40-43.)
Being a literacy expert, do you worry that our digitally driven society is having a negative effect on children's reading and writing development?
The digital world has given children more access to text and more opportunities to write than previous generations. To me, the negative effect is that technology is becoming a toy instead of a tool. We're all responsible for teaching children how to be critical consumers of what they read and to use proper academic English when writing to communicate. There is much to be gained from using digital resources and technology, however teachers and parents must not forego critical instruction on how these devices should be used.
When "evidence-based education" is more than a slogan, what does it look like and do?
Evidence-based education should not be viewed as simply another fad or buzzword. Evidence-based education empowers teachers to use instructional techniques and programs that are grounded in research, combined with their professional knowledge and experience to better meet the needs of students. When you're in a school that believes in evidence-based education, you see teachers who continually monitor student progress and use evidence in the form of data to inform instructional decisions. You see principals who provide opportunities for teachers to collaborate and discuss data and seek to bring research-driven resources into staff meetings and professional learning settings. You see students who are engaged and motivated because they know and understand their goals for learning. Evidence-based education is a platform to elevate the opportunities for successful academic outcomes and our profession should rise to the occasion. No longer is it acceptable to rest on tradition and experience alone — research is powerful when one has the tools to critique and use it.
— Greg Patterson
Comments on Dedication and hard work yield literacy progress
It is quiet enlightening to know that as an educator that no one is being blamed for our children not wanting to do well in literacy. It is a collaborative effort between educators and parents alike to be apart of this process. We need to work in collaboration with teachers to help students to better their literacy skills and help to enhance the use of technology in our class. When teachers work hard and are dedicated to the task we will get the results we want with our student's progress in literacy.
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U.S. Special Representative for Ukraine Negotiations Kurt Volker said that the USA considers Russia's actions both in the Crimea and in the Donbas as aggression and occupation.
He said this during his interview with the TV channel "Dozhd" ("The Rain" – RRT).
"For the U.S. government, there is no difference between the Donbas and the Crimea. In both cases it is illegal aggression, occupation. In the case of the Crimea, Russia announced an annexation, which we did not recognize, and will never recognize. These are equally horrible situations," Volker said.
On July 7th, U.S. Secretary of State Rex Tillerson appointed the former U.S. ambassador to NATO Volker a special representative for Ukraine. He will coordinate the efforts of the State Department to resolve the conflict in the country.
Volker is an expert in international relations. Since 1986, he worked as an analyst in the CIA, since 1988 – in the U.S. Department of State. In 1998, Volcker became the first secretary of the American mission to NATO, in 2005 – Deputy Assistant of the Secretary of State for European and Eurasian Affairs, and in 2008-2009 he was the U.S. ambassador to NATO.
In recent years, Volker worked at the McCain International Republican Institute.
Source: lb.ua


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Sweetest Day 2012
Sweetest Day 2012 is October 20! Sweetest Day is a special day to celebrate the people who make your life … Read More →


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Young Living
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Accelerate Your Leadership Journey with Elite Express!
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Corporate Sponsors
About EMP
EMP, (Event Management Partners), was launched in 2004 to develop and manage a niche portfolio of highly specialised technology focused conferences. EMP is particularly preoccupied with the practical application of various ICTs to selected vertical and emerging markets.
EMP works closely with key industry and government bodies as well as commercial entities and end-users with shared interests to ensure that critical industry objectives are analysed in depth and from a variety of perspectives.
The GVF - EMP Partnership
The GVF - EMP Partnership was created in 2006 to develop and facilitate networking dialogues within the satellite communications industry, and between the satellite industry and the communications solution user communities.
The Partnership identifies, researches and produces platforms within key vertical and emerging markets where satellite and satellite hybrid communications solutions are mission - critical imperatives and vital revenue streams across a wide range of sectors, including:
The Partnership regularly presents conferences, roundtables and other events programmes around the world which investigate the markets, the services, and the technologies of the satellite communications solution eco-system.
To receive updates, press releases, news bulletins and invitations relative to GVF-EMP events, please visit the Contact GVF - EMP page and fill in the visitor sign in form.
Alternatively, please contact me directly using the following coordinates;
Paul Stahl
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Search current job openings
If you're success-oriented with an eye toward future growth, consider the opportunities, advantages and rewards that a career at Allianz Life Insurance Company of North America (Allianz) offers:
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Job search quick links
Please take some time to explore our current openings, or log in to maintain your profile and apply for a job. If you are applying for a job for the first time with Allianz, you will need to register.
If you need an alternative means to access any information on our online recruiting site because of a disability, please call 888.899.6844 or email email@example.com for assistance in learning about job opportunities available within our company.
We're part of Allianz SE - serving over 85 million customers worldwide.


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TALLAHASSEE — Former State Sen. Greg Evers, the Baker Florida strawberry farmer and veteran politician, was killed in a single car crash hear his home in Okaloosa County. The Florida Highway Patrol confirmed the death late Tuesday, but deferred any further information pending an investigation. He was 62.
Evers, who left the Senate in 2016 to run unsuccessfully for the U.S. Congress, was born in Milton on his family's farm, later attending Pensacola Community College. He took over his family's fertilizer business and moved it to Baker, where he grew cotton, soybeans, peanuts, wheat, corn and strawberries. He was fond of preparing strawberry ice cream and delivering it to his Senate colleagues in Tallahassee.
A passionate advocate for law enforcement and corrections officers, he became a vigorous critic of the Florida Department of Corrections and the Gov. Rick Scott administration for failing to adequately pay and staff the state's prisons.
As chairman of the Senate Criminal Justice Committee, Evers scrutinized the DOC's treatment of several members of the inspector general's staff by having staffers testify about their allegations of cover-up and abuse within the agency.
Evers was first elected to the state House in 2001, where he served until 2010 when he ran for the state Senate.
Contact Mary Ellen Klas at [email protected] Follow @MaryEllenKlas


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Excerpts from several articles and customer opinions. First published Feb 2003
Make or Buy Your Instrument
Advantages and disadvantages
The ways of obtaining a musical instrument are either by buying it, building one from scratch or using a kit. The first option can mean buying an original instrument, assuming one is available, buying a reproduction or buying a new design.
You could think that copying an original design you will be benefiting from the mature experience of one of the finest makers of the instrument who worked at a period when the instrument reached one of its high-points. But with a new or modern design you will be benefiting also from the technology and the experience acquired of the study of many similar instruments and their evolution with the years or centuries.
There are a number of very good makers who reproduce copies of original instruments or ones derived from originals. This means that the cost will be less than that of an original and the instrument will be in first-class playing order. If there are problems the maker will be available to handle them, something which may not be possible with an historic original instrument.
Building an instrument is undoubtedly very satisfying, starting with pieces of timber and producing a fine, playable instrument of which one is very proud. Almost every one who has produced an instrument from scratch gets the conclusion that if he were building another, he would make one from a kit where all the hard work had been done!
Some woodworking skills are needed to build an instrument from a kit, but can be quite like making a cake from a packet if the kit comes with pre-shaped parts, a detailed full size drawing, easy to follow step-by-step instructions and pictures of all the important details.
Some kits require you only to put screws into pre-drilled holes and glue together pieces of wood. Others will expect you to mark out, cut to size, trim, etc. The more work you are expected to do, the more risk of mistakes if you do not have experience and the less the cost of the kit.
Following you can find the advantages and disadvantages of obtaining your instrument from several points of view.
Essential tools to build a instrument
It's impossible to give you a definitive list of tools required, partly because no two projects are identical and partly because each person has different preferences and budget. The best way to approach this question is to break down your project into discrete operations, and then the tools required for each operation will be fairly obvious. To spread out the cost, and to avoid the trap of buying tools you think you'll need only to find later that you've wasted your money, buy tools only after you are certain you need them. By the end of your project you will have acquired a complete workshop exactly tailored to your preferences and budget.
The kits of the Renaissance Workshop Company come with some difficult to find tools and instructions to make your own.
More questions
If you do not have experience making a musical instrument from a kit or if you doubt about the feasibility and quality of the result, you can also be interested in other doubts and questions sent by other people.
Copyright © 1999
Renaissance Workshop Company Ltd.
Phone:(+34) 91 450 30 50


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It's 94 degrees outside. The heat index is hitting 103. On the street, people sweat through their shirts just walking from air-conditioned car to air-conditioned office.
Charlie Steck, a Commonwealth Edison line splicer, can't wait to get up there. He needs to cool off.
Steck's work space below Desplaines Street southwest of the Loop is wet, grimy and cramped. Most of all it's hot.
Hot from energy flowing through the 3-inch-thick electric cables along the walls. Hot from the summer heat cooking the asphalt above. Hot from Steck's propane torch, and his toil to keep the power flowing.


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An Atascadero woman who was fatally shot this week was a former Atascadero State Hospital employee who lived alone with her 15-year-old son.
Little is known about who might have murdered Colleen Barga-Milbury, 52, who was found dead Wednesday evening in her Tranquilla Avenue home. But Barga-Milbury seemed to live a quiet life, spending time caring for her autistic son and her now-deceased mother.
Craig Dacus, a spokesman for the state hospital, said the victim worked there from January 1979 — the year she graduated from Atascadero High School — until June 2010. Her last title was food service supervisor.
In 2010, according to her brother-in-law, she moved to Idaho so her son could attend a special school there.
"She was always responsible," said Dale Rice, a former Atascadero resident who now lives in Lansing, N.Y.
Eventually, Barga-Milbury moved back to Atascadero with her son. Rice said he doesn't think she was employed after 2010.
She had married Carl Milbury in 1991, and the couple separated in 1994, but a divorce filing was later dismissed. According to the county Clerk-Recorder's Office, Milbury died in 2000. When Barga-Milbury's mother battled cancer, Barga-Milbury became her at-home care provider until her mother died in 2006, Rice said.
When her sister, Chris-tina Rice, lived in Atascadero with her husband and two children, Barga-Milbury visited often, said her niece, Amy Rice, Dale Rice's daughter.
"She'd be over almost every day," said Amy Rice, 20, who referred to Barga-Milbury as "Aunt Sissy."
Christina Rice could not be reached for comment Friday afternoon. But her daughter said Barga-Milbury was a funny person, who spent a lot of time with her son.
Barga-Milbury had no other living relatives.
"We're the only family she's got," Dale Rice said.
He said the family has no idea who might have committed the crime.
Barga-Milbury's son is staying at a girlfriend's house, Amy Rice said, but will soon live with her family in New York. He is not a suspect, according to police.


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Cheap Flights to Arlington, Texas
Arlington, VA is a county in the commonwealth of Virginia and is the second biggest city of Washington metropolitan area. It an important administrative centre as the headquarters of many departments and agencies of Government of the Federal Government of United States are sited in Arlington
The Pentagon Memorial, Arlington National Cemetery, the Marine Corps War Memorial, and the United States Air Force Memorial are among the National memorials and museums that have their location in Arlington. Book cheap flights to Ronald Reagan Washington National Airport with Travelstart. Search and compare cheap flights and airlines on the booking engine above.
Requirements for Entry to Arlington
A National Passport with a minimum period validity of 6 months beyond the intended period of stay is needed at the time of travel. A Nigeria Tourist Visa is necessary and can be obtained at Visa application centre located in Lagos (Victoria Island)
Ronald Reagan Washington National Airport (DCA)
There a train airport station located on an elevated outdoor platform adjacent to terminals B and C and carries passengers to various locations. Metrobus service also provides transport service.
Most visitors will find airport shuttles and taxis much more convenient. Car rentals are a luxury way to journey to the county from the airport.
Major Attractions
There are so many places of interest to tourist in Arlington, a few of the most exciting places are:
Arlington National Cemetery: with over 400,000 service men buried in this cemetery covering about 624 acres of land with memorial events and gravesides services taking place often the Arlington National memorial is a tourists' favorite.
Mount Vernon Trail: a breathtaking view of Washing DC's renowned landmarks and Potomac River is what makes the over 17 miles Mount Vernon trail a tourist delight. Walking, running and biking is the favorite activity on this trail
Theodore Roosevelt Island: Nature lovers will be thrill to explore the wilderness reserve covering a land mass of 91 acres known as Theodore Roosevelt. Several fauna and flora can be examined on close range while strolling along the foot trails on the island.
Pentagon Tour: The chance to get to explore the Pentagon is one of the major tourists' attractions in Arlington. The Tours is guided by military personnel. You also get to know more about the duties of the Department of Defense. Pentagon memorial nearby is also a must visit.
Iwo Jima Memorial: Iwo Jima Memorial is a sculpture that portrays the raising of flag by a Navy hospital Corpsman and five Marines that herald the fall of the island. It has an imposing height of 32 feet.
Things to Do
Visit Arlington cultural center which has features like large ballroom hosting international events, three visual art galleries, a Wi-Fi café and four performance venues.
Attend a Concert at the Birchmere, differs musical performances of folk, gospel, jazz and rock take place in large theatre.
Hike, walk and run along Mount Vernon Trail while taking beautiful view of Washington DC's famous landmarks and Potomac River.
Skate at Kettler Capitals Iceplex, a top-notch facility that provides hockey program and public skating round the year
Hotels and Accommodation
Whether you are choosing based on star rating or price you will surely find a wonderful hotel for your stay in Arlington. To get easy access to all the information you need for a perfect choice find hotels.com
Car Rentals
Car rental companies are present at Ronald Reagan Washington National Airport and major hotels. The car rental companies in Arlington includes: Alamo-National car Rental, Avis Car Rental, Budget Car Rental, Dollar and enterprise.
Best Time to Visit
The best times to visit Arlington are from September to November and from March through May.
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"Today, we finally acknowledge the obvious: Jerusalem is Israel's capital," President Donald Trump historically announced Wednesday.
By COLlive reporter
The United States is formally recognizing the holy city of Jerusalem as the capital of the state of Israel, President Donald Trump said.
The historic announcement on Wednesday at the White House marks a major shift in U.S. policy in the Middle East.
"Today, we finally acknowledge the obvious -- that Jerusalem is Israel's capital. This is nothing more or less than a recognition of reality," Trump said.
"While previous presidents have made this a major campaign promise, they failed to deliver. Today, I am delivering," President Trump said.
For 70 years, the U.S. embassy has been based in Tel Aviv based on the thought that the Israeli-Palestinian negotiations would determine the final status of Jerusalem.
Trump called his decision a "a long overdue" step to advance the peace process.
Jerusalem is the home of the Israeli Parliament, the Knesset, the Israeli Supreme Court and home of the Prime Minister, the President said.
"It is not just the heart of 3 great religions, but it is also the heart of one of the most successful democracies in the world," he said.
"The Israeli people have built a country where people of all faiths are free to live and worship according to their beliefs."
Trump said he has directed the State Department to begin preparation to move the American embassy from Tel Aviv to Jerusalem.
"A new embassy, when completed, will be a magnificent tribute to peace," President Trump said.


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> Beautiful solid color big flower elastic cord belt for dress FQ-Y124
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General Thomas Gage
List price: US$11.95
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AbeBooks may have this title (opens in new window).Try AbeBooks
- Compelling portraits of American history's most notable male and female leaders- Includes informative sidebars- Interesting, easy-to-understand content- Complements school curriculum
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Product details
- 12-17
- Paperback | 80 pages
- 165.4 x 234.7 x 6.6mm | 181.44g
- 01 Dec 2001
- Chelsea House Publishers
- Broomall, United States
- English
- 0791063852
- 9780791063859
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Review quote
"The author presents a comprehensive account of the life George Washington beginning with his growing-up years and continuing to his retirement years as a farmer. The book includes many little-known details....The book is a well-organized, informative work that middle school students can easily understand."
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A Taste of the Danube (Budapest to Vienna, Cruise-Only)
4 days with Avalon Waterways Rating:
Day 1 Arrive in Budapest, Hungary (Embarkation)
Welcome to Budapest, Hungary's lively capital. In the afternoon, transfer to your ship and meet your crew at a welcome reception. (Dinner)
Day 2 Bratislava, Slovakia
Relax on board this morning and marvel at the scenery on both banks of the Danube. As you cruise upriver, Hungary is on your left and Slovakia is on your right. The two countries share the Danube for a 58-mile stretch, with the border in the middle of the river. At the foothills of the Carpathian Mountains is Bratislava, the dynamic capital of Slovakia. Join your LOCAL GUIDE to explore its fascinating Old Town, where winding cobblestone streets and narrow alleyways twist and turn to reveal the Town Hall, one of the oldest stone buildings in the city. Also visit gothic ST. MARTIN'S CATHEDRAL, coronation church for the Kingdom of Hungary from the 16th to 19th centuries. (Breakfast, Lunch, Dinner)
Day 3 Melk, Austria–Dürnstein
This morning, our first stop is Melk. Enjoy a guided tour of the magnificent 11th-century BENEDICTINE ABBEY, dominating the town from its commanding hill site and one of Europe's largest monasteries. The abbey church houses stunning frescoed ceilings, marvelous statues, a large organ, and an ornate library with a large collection of medieval manuscripts. The view from the terrace over the Danube and surrounding countryside is breathtaking! Then, grab a drink and relax on your ship's Sky Deck as you witness beautiful scenery on the way to Dürnstein, situated in the heart of the Wachau wine region and best known for the magnificent baroque Stiftskirche with its blue façade. Above town are the ruins of the castle where England's King Richard the Lionheart was imprisoned in 1192. Explore this picturesque little town on your own or choose from a number of optional excursions. You may even want to hike up to the castle ruins for magnificent views of the town and river. (Breakfast, Lunch, Dinner)
Day 4 Vienna (Disembarkation)
Your vacation ends this morning.
All This Included
Through the natural beauty of Austria's Wachau Valley, past quaint towns and villages—and stops in charming towns and cities of Slovakia and Austria along the way—you'll fall in love with this river cruise along the Danube River.
Board your ship in Budapest, Hungary, and relax with a glass of wine atop the Sky Deck as you make your way upriver. Glide through the middle of two countries for a 58-mile stretch as the border between Hungary and Slovakia is in the center of the Danube River. You'll come to Bratislava, the capital of Slovakia. This dynamic city lies at the foothills of the Carpathian Mountains. Visit the gothic St. Martin's Cathedral, the coronation church for Hungary during the 16th to 19th centuries. If you'd like, you can even visit its underground crypt with the catacombs of significant historical figures.
In Dürnstein, a town situated among terraced vineyards, visit the ruins of the Dürnstein Castle. And in Melk, you will visit Austria's majestic Benedictine Abbey, one of Europe's largest monasteries, where Benedictine monks still stroll amidst the sacred walls. Sitting high on a bluff, it offers the most breathtaking views of the city, the Danube River, and the Austrian countryside all at once.
Cruising: Cabin onboard Avalon Expression or Avalon Artistry II
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* The prices shown are U.S. dollars per person, based on double occupancy, and subject to availability. Prices quoted for land/cruise arrangements are subject to increase without notice. Once we have received your deposit, land/cruise prices are guaranteed. Air prices quoted via phone or email are subject to increase and are guaranteed only from the time that full payment is received. Also, air prices or air promotions mentioned on this site or on the phone do not include baggage fees imposed by airlines.


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Berlen Bar Cabinet
Suited to make best use of the corner of your room is what makes Berlin a must buy for your apartment/home. Clean lines along with highlighted skirting adds attitude to this modern yet classic piece of furniture. Abundance of storage and a wine rack embedded in the design gives you room to store all your Bar needs.
bar cabinet, bar units, cabinets
We offer a one year warranty against any manufacturing defects.
However, damages from natural wear and tear from use of the product, including abrasion, accidental damage and staining are excluded from this warranty.
Care Instructions
Always wipe moisture promptly and dry with a soft cloth. Excess water may leave stains and can also cause the wood to swell or warp.
Do not expose the furniture to direct sunlight. Ultraviolet light from the sun can fade the finish of the wooden furniture over time.
Avoid dragging any sharp objects on the wooden surfaces to prevent scratches on the furniture.
Exposing the furniture to intense heat, such as from hot food or coffee cups, could damage the finish. Coasters and mats should be used to keep any hot objects on wooden furniture.


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The central Philippines is bracing for another very powerful storm that could make landfall Saturday.
Philippine President Benigno Aquino is looking to use the 1.5-day window before Typhoon Hagupit (hah-goo-PEET) is expected to hit to solidify the country's emergency response.
Little more than a year ago, Super Typhoon Haiyan rampaged through the same area of the country, obliterating houses, knocking out power and leaving more than 7,300 dead or missing.
During a nationally televised meeting of the country's disaster management council, Aquino urged the panel to move quickly so that residents still reeling from the after-effects of Haiyan do not panic.
"Our job really is to calm them down to minimize any of the negative repercussions from an event such as this. So I'm pressing everybody: The checklist of what has to be done, preferably should have been done yesterday," Aquino said.
The panic has manifested itself in the areas hardest hit by Haiyan, which destroyed 1.1 million homes.
Panicked buying, hoarding
In Tacloban City, which suffered the brunt of the deaths from the storm, several businesses reported panic buying and hoarding of groceries and fuel.
Officials said stores shut their doors, which prompted Aquino to call for the trade department to set up temporary discount stores.
A number of municipalities with airports are expected to be hit hard by the approaching typhoon. So there were questions of the best location to preposition military craft that officials anticipate will be needed in the event of an emergency response.
State forecasters place Hagupit's maximum sustained winds at 205 kilometers per hour, while gusts could reach 220 kilometers per hour. Officials are expecting three- to four-meter storm surges.
Last year's super typhoon kicked up tsunami-like surges that caused most of the casualties.
Social welfare officials said tens of thousands of emergency food packs are ready for distribution in Eastern Samar and Samar provinces. Hagupit is expected to first make landfall in these provinces.
The energy department is urging hospitals to have generators ready because it expects power lines to "definitely fall." The current lines are temporary replacements for what was destroyed during Haiyan.
Recovery projects
International aid agencies working on Haiyan recovery projects are also juggling simultaneous concerns. They are rushing to move their own workers to safety, while also nudging residents to get to higher ground.
Richard Sandison is the emergency response manager for Britain-based Plan International. The agency has set up offices near Tacloban and pledged $61 million toward Haiyan aid efforts.
"We've learned a lot of lessons from Haiyan and we're incorporating those lessons learned. Communities now have a better understanding of what a storm surge is," Sandison said.
In nearby Palo town, which suffered significant deaths, the pastor at the main cathedral said residents do not need to be pushed to evacuate their homes. Monsignor Rex Ramirez said they have been asking at the church where they can go for safety.


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'Curb Your Enthusiasm': Cheryl Leaves!
In a season already marked by uncomfortable parallels to reality, last night's episode of Curb Your Enthusiasm was the most painful so far.
In a season already marked by uncomfortable parallels to reality, last night's episode of Curb Your Enthusiasm was the most painful so far, with Cheryl leaving Larry after seven years of TV marriage, echoing the real-life divorce between Larry David and his wife, Laurie, over the summer.
When Cheryl calls Larry from an airplane caught in an electrical storm, he tells her to call back because he's having the TiVo fixed (it seemed perfectly reasonable to us). When she gets home, she packs up and leaves for her sister's. Though we can't say we didn't see this coming, we're frankly a little shocked at the speed at which the series is dealing with the split; for a show that's devoted multi-episode story arcs to sandwiches and dry cleaning, it feels a little cold to dissolve a marriage in under six minutes. By episode's end, Cheryl's found someone new (Glenn, the non-bald owner of an underwear company) and Larry's already dated and blown his chances with Lucy Lawless (TV's Xena: Warrior Princess).
Interestingly, shooting for this season wrapped in April, and Laurie David filed for divorce on July 19. Is it possible that the fake Larry-Cheryl split caused the real Larry-Laurie split, and not the other way around?
Earlier: Assessing the Larry-Laurie David Split by the Sixth Season of 'Curb Your Enthusiasm'


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NEW YORK — There's a growing laundry list of things the New Orleans Hornets aren't doing of late.
They're not playing much defense.; they're not getting any scoring output from their starting back court, and they're not — as they often like to say — imposing their will on opponents.
But most of all, they're not winning, coming up on the short end of a 107-88 snoozer against the New York Knicks on Wednesday night at Madison Square Garden, their third consecutive loss and second to open the season's longest trip.
What the Hornets are doing, though, is dropping like a stone in the Western Conference playoff standings, with a game against the Memphis Grizzlies, breathing down New Orleans' neck in the chase, coming up Friday at the FedEx Forum in Memphis, Tenn.
And first-year Coach Monty Williams took postgame steps Wednesday night to right a listing ship.
"They were a lot better than we were in a number of areas," Williams said. "I just think we didn't have the fight we've had this year. I had to address some things after the game and personally go at some guys a little bit. I'm not going to get to the summer time and have stones that are unturned.
"I cannot stomach guys who go out there and don't play with passion and play afraid. That's what I saw tonight. It's hard to bring it when you're playing afraid. I saw fear in some of our guys' eyes tonight. Take no credit from them. They played their game."
Chris Paul didn't do much to excite the New York fans, who came hoping to see the four-time All-Star display the talents they hope he would one day bring to the Garden.
Mired in a miserable shooting slump, Paul finished with a second-low four points and made two of seven shots. He had 10 assists and four rebounds while once again the Hornets were led in scoring by backup point guard Jarrett Jack, who had 21.
New Orleans also lost starting small forward Trevor Ariza in the third quarter with a strained left adductor muscle. He'll be evaluated again before the Hornets play on Friday.
The Knicks might have discovered their point guard of the future playing on the same floor opposite Paul: second-year pro Toney Douglas.
Even though the Hornets might have thought they were catching a break by the absence of Knicks starting point guard Chauncey Billups — and long-time Paul nemesis — because of a bruised left thigh he sustained in a collision with the Orlando Magic's Dwight Howard on Tuesday night, replacement Douglas was no bargain.
Douglas' foot speed and outside range proved to be problematic for the Hornets, and Paul in particular.
He finished with 24 points, four rebounds and four assists and set up Carmelo Anthony (22 points) and Amaré Stoudemire (24) well.
"Toney has been struggling the last three game, but he must be a Garden kind of guy because every time he plays here he plays well," Knicks Coach Mike D'Antoni said. "He kind of sets the tone for us."
Billups gave Douglas some advice about what to expect and how to react earlier Wednesday.
"I had a talk with him (Wednesday) morning," Billups said of Douglas. "I told him try not to defer too much to the guys. When you call a play, run it, no matter what people say. Just run it. Call a play, stick to it and be in command out there. It's probably tough as a young player playing with those studs like that, kind of like two alpha males. It's a difficult position to be in. He has to be confident in what he's doing."
On numerous occasions Wednesday night, especially in the first half, Paul seemed to pass up looks close to the basket to kick the ball back outside to a teammate. He missed his first three shots, including an open layup.
Williams thought Paul passed up some open looks, and Paul conceded as much afterward, while adding Williams' stern postgame words probably were needed.
"It was good, but it's something we know," Paul said. "We know nobody fears us right now. We're not playing with a lot of confidence, especially myself — and it puts us in a tough situation night in and night out. We're not playing the way we know we can, and it's not a good thing, especially the way we started out after All-Star.
"I do have confidence, I've got to find more ways to be aggressive and pick my spots. ... I try to make the right plays, but I guess I've got to force the issue. Maybe a couple of time (he passed up shots), but I try to make the right basketball play as much as possible. I think I did. I've got to do better. If we're going to advance and be a good team and make the playoffs, it's on me."
Jimmy Smith can be reached at email@example.com or 504.826.3814.


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One of the biggest material costs incurred by folks who build homemade solar water heaters is the expensive—over $3.00 a pound—copper sheeting used to make a collector's heat-grabbing fins. . . while one of that do-it-yourself job's stickiest construction problems is how best to join those metal pieces to the pipework. Well, you can eliminate both problems now. Here's a simple-to-build device that will enable you to construct all the solar collector fins you'll need for most any water heater ... out of free-for-the-gathering tin soda or soup cans! (Actually, even if you decide to make your sheeting out of copper, you'll still want to use our research staff's latest invention—MOTHER EARTH NEWS' Fin Press—to help you establish the maximum heat-transferring. surface contact between your water pipes and your collector's fins.)
Until now, folks either soldered their copper water piping directly onto a flat collector sheet, made a V-notch "trough" for the pipework with angle iron, or hired a machinist to make some conduit-hugging semicircular grooves in the back plating. Unfortunately, the first pair of techniques produce very little contact between the two metals (so a lot of heat gathered by the flat sheets never gets to the water pipes), while the last approach works fine ... but is dang expensive!
Well, MOTHER EARTH NEWS' Amazing Fin Press was invented to solve that inefficiency-versus-cost dilemma. The bottom section of this two-piece unit consists of a seven-inch length of 3/8" copper pipe (or 1/2" wooden dowel) that's been set— to a depth of slightly less than half its diameter—into a side-walled block. The top piece is little more than another block that has been grooved to fit over the baseboard's projecting pipe, To work the fin shaper, just position a flat, precut piece of copper or tin on the base, put the cap over it, and push down. Presto! You have one grooved fin ready to cradle a bit of collector pipe!
MOTHER EARTH NEWS' Fin Press can be made in only a few minutes out of scrap pipe and lumber bits, and is simplicity itself to construct. In fact, the accompanying "Fin Form" illustration should be pretty much self-explanatory ... except for the following two details: [1] To make the top press's central groove, hand saw a few starting notches, dig out the basic trough with an inexpensive Stanley Surform round file, and finish shaping the "ditch" with sandpaper. [2] If you don't wish to duplicate our cap's attractive three-piece handle, a short piece of 2 X 4—nailed across the top board—will provide the needed structural reinforcement.
To turn free soup or soda cans into solar collector fins, just cut both the lids and the end rims off your scrounged cylinders with an electric—or manually-cranked, wall-fastened—can opener (hold the tins in a horizontal, rather than vertical, position when you do this). Then—using steel wool or a propane torch —buff or bum off the metal's protective coating. Cut each can down the middle, trim the sheet to a flat 5 1/2" X 6" shape ... and press it.
When you're ready to secure a fin to some pipe, just lay the shaped tin on two fireproof boards (or blocks, or bricks) placed side by side with a pipe width's space between them. Nestle the fin's curved center section into the gap, set your collector pipe into position, hold It in place with any heavy nonflammable weight (to increase sheet-to-pipe contact), and solder the two metals together. Add more fins to your pipe—by laying out the grooved sheets, weighting, and soldering—until you've completed your plate making ... then buff off any extra flux along the length of the pipe.
When all that's done, you'll have finished a crucial (and often the most expensive) step of your home-designed solar hookup ... and the cost for all your collector's fins will be a grand total of zero dollars and zero cents!
I retrieved Solar on a Shoestring from your Web site and it is a great article, but it refers to diagrams which were not included with the Web article. Could you forward those images? Also, as a professional editor I cannot help but point out that there are a significant number of grammatical errors in your Web content. The first sentence of the above mentioned article is a typical example. Best regards, Robert
Whether you want to learn how to grow and raise your own food, build your own root cellar, or create a green dream home, come out and learn everything you need to know — and then some!LEARN MORE
At MOTHER EARTH NEWS, we are dedicated to conserving our planet's natural resources while helping you conserve your financial resources. You'll find tips for slashing heating bills, growing fresh, natural produce at home, and more. That's why we want you to save money and trees by subscribing through our earth-friendly automatic renewal savings plan. By paying with a credit card, you save an additional $5 and get 6 issues of MOTHER EARTH NEWS for only $12.95 (USA only).
You may also use the Bill Me option and pay $17.95 for 6 issues.
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Canadian subscriptions: 1 year (includes postage & GST).


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Originally posted by MDgar
Well in that case:
watching exhilarating movies
amusement parks
pretty much every sport you can think of
physical education classes in schools around the world
social anxiety
various church activities (for some people)
sex (leisure and procreative)
Just a small list of activities that should be outlawed according to what this guy is saying.
Originally posted by TrueBrit
reply to post by smurfy
I think using the term Republican euphamistically is perhaps somewhat worn out these days. Lets be realistic here, the problem isnt which party he is associated with, but which parts of this particular intellectual dead zones brain, are actually functioning. Those would be the ones that allow him to talk from his rear end, but prevent him from actually formulating a good sensible sentence to deliver using that skill.


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The Family Center is looking for volunteers to prepare bag lunches for Lunch at Home during April vacation April 19-23. Volunteers must be at the Center at 7 a.m. and will be finished by 9 each day. Call Diana Gould at 885-3646 ext. 1009 if you can lend a hand.
The Springfield Family Center is so grateful to Shaw's for their ongoing donations of day old items from their bakery. These donations really help to fill out our menus. Thank you also for serving as a food collection site and to the many shoppers that always keep the donation box filled with non-perishable food items. Our food shelf truly benefits.
Stephen & Esta Morse of Mt. Ephraim Farm are already faithfully on board to pick up our kitchen scraps for their pigs. An added bonus for the Center is the dozens of eggs they donate. Thank you!
Thank you Baba `A Louis Bakery for your weekly donations of excess bread and bakery items. Your ongoing help is gratefully appreciated.
The Pizza Stone's donation of pizza dough will open up opportunities for new ways to utilize this product in our menus and food shelf. Thank you.


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Traveller Made Private Skies
Traveller Made Private Skies is an international private jet booking service, exclusively dedicated to Traveller Made Member Agencies.
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Please contact asap your preferred Traveller Made Travel Designer to benefit from Traveller Made Private Skies services.
Why take a Private Jet ?
1. Saving time
Depending on passengers' schedule, it is possible to have an aircraft ready in just a few hours. Travellers can arrive at the airport just a few minutes before taking off and flying directly to their destination, making productive use of the time onboard, avoiding overnight stays, avoiding waiting time at the airport, landing at thousands airports in the world and so be closer to every destination. All of this can provide significant savings in both productive time and in money.
2. Convenience
There are over 15.000 airports in the world that private planes can use. This means travellers can often land closer to their true destination. Private flyers avoid all inconvenience of big international airports. Private planes also allow travellers to travel with their special belongings such as sports equipment, instrument, product samples or bring their pet in the cabin.
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Planes can be available at a few hours notice and can wait for travellers if they are running late. It's even possible to change flight plans if necessary.
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Traveller Made Private Skies are fully committed to security. All our aircraft are certified to carry passengers and follow the same procedures as airline planes in terms of maintenance, pilot training, insurance and ground services.
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Private planes provide luxury furnishings, space, individualized attention, and passengers preferred food and drinks can be ordered ahead of time.
6. Privacy
Travellers can hold meetings and make productive use of their time, without being over heard. Discretion and reliability are paramount.


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Select a Category
Did you know...
You can check the size of your car's wheels in your vehicle handbook or by checking
your current tyres.
The radius (R) of your tyre is imprinted in the rubber wall of your tyre; for example,
205/45/R15 tyre would indicate you have a tyre with a radius of 15" on your car.
If your tyre size is 15", the diameter of the wheel trims you need will also be 15".
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Tel: 01422 351 678


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Programs we offer:
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My staff and I take pride in our school for infant care, preschool programs and more. We strive to provide a loving and consistent environment for our students while placing emphasis on academic excellence.
Our teachers are trained professionals who are dedicated to our children and families. All staff members are CPR and First Aid certified. They also receive ongoing training throughout the year to ensure they are up to date with the latest educational practices and safety measures.
We want our school to be an extension of your own family. We have an open-door policy and encourage frequent communication between families and staff.
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from The American Heritage® Dictionary of the English Language, 4th Edition
- transitive v. To make glad. See Synonyms at please.
- intransitive v. Archaic To be glad.
from Wiktionary, Creative Commons Attribution/Share-Alike License
- v. To cause (something) to become more glad.
- v. To become more glad in one's disposition.
from the GNU version of the Collaborative International Dictionary of English
- intransitive v. To be or become glad; to rejoice.
- transitive v. To make glad; to cheer; to please; to gratify; to rejoice; to exhilarate.
from The Century Dictionary and Cyclopedia
- To make glad or joyful; cheer; please.
- Synonyms To comfort, gratify, delight, rejoice, animate, en-liven
- To become glad; rejoice.
- n. A glade.
- n. A plant of the iris family, especially Iris fætidissima. See Iris, 8.
from WordNet 3.0 Copyright 2006 by Princeton University. All rights reserved.
- v. become glad or happy
- v. make glad or happy
from Wiktionary, Creative Commons Attribution/Share-Alike License
If it does happen, there will be for the very first time in Europe Conservatives and Unionists representing all four parts of the United Kingdom as a single grouping in Brussels - that's a fact which will surely gladden every true Unionist heart.
In some ways this federal Europe would gladden the hearts of the founding fathers of European integration.
Cockerington Princess, champion of her own sex, also came to gladden our eyes, while the converting into stables of theretofore unused stone winery buildings went apace ....
If she wrote these stories to gladden others, it seems they could not quite touch her own heart, and that may be because she never received the serious critical acclaim she wanted.
One of the things I like most about minestrone is its sheer bulk: it's really a big bowl of carb-based joy, with a hefty garnish of vegetables to gladden the heartstrings of health.
His speech to Demos today on an open society – the product of more than a year's internal discussion – was one to gladden the left-liberal's heart.
Nick Clegg can only deliver on this rhetoric with Labour | John Kampfner
Sometimes, people and institutions change, and get better, and produce surprising results that gladden the heart.
Over the next two years, the Rao government pushed through a collection of market-based reforms that would gladden the heart of any economic liberal.
They only stuck the blonde chick in there just to gladden the old woodies in Jesusland.
Think Progress » Despite denouncing threats against Democrats, Fox and Friends broadcast e-mails rationalizing them.
His unabashed Eurocentrism would gladden George Will's wizened heart, but he hasn't yet outed himself as a flaming Italophile.


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Who else is in agreement that February went so (too) fast? But, before March rolls around, I thought I'd go over some of my favourite products I've been eating and using this month.
Ripped Kit; I love these boxes as they open your eyes to the best of the massive range of protein bars on the market. Every month you get a delivery of the newest and most delicious protein based snacks to help keep you on track to reach personal fitness targets.
This month, the box contained the new grenade bar; one that I have been dying to try and it didn't disappoint. It has also opened my eyes to other protein bar options on the market; I particularly like the Fulfil bars and, in last months box, the battle-oats bar which was a great, quick breakfast on the go!
Two Chicks products; chirps and egg whites: I love this brand (and the lovely lady behind it). The egg whites are just so handy; 17 calories and 0 grams of fat per serving and SO versatile. I use them in my baking, breakfasts, to make egg fried rice, pad thai, mug cakes.. the options are endless (See below)! And the chirps? Well, they are a great, low carb, high protein, delicious snack to have on the go. My favourite flavour is the sea salt and cracked black pepper but they are all super tasty!
That Protein: are an organic protein company who produce THE tastiest protein. Thatprotein create protein that is made from premium organic plant protein powders and superfoods combined in to one product. The protein is natural, organic, cold pressed and pure and never processed by heat over 40 degrees. Alongside this it is ALSO dairy free with no added sugars, non GMO, no sweeteners AND free from anything artificial; literally no negatives about it.
Having been lucky enough to receive a lovely, surprise package of their Chirpy Chirpy Choca Mocha Super Protein, I didn't hesitate in trying it out. The Chirpy Chirpy Choca Mocha Super Protein is:
Made from brown rice protein; a complete plant protein that helps support healthy muscles, skin, hair and nails.
Made from Raw Cacao; a top source of antioxidants and packed full of iron and magnesium.
Contains caffeine to wake you up in the morning or pre-workout.
So, after all that, I have also developed a simple, delicious and nutritious breakfast/snack/pudding for you as a Choca Mocha Protein Mugcake.
25g of Chirpy Choca Mocha Protein Powder,
50g of Two Chicks Products egg whites,
1 tablespoon of Nurtriseed UK cacao powder,
Optional teaspoon of Maca Powder,
1 teaspoon of baking powder,
Enough water to make a batter like consistency,
Simply grease a mug or small bowl with coconut oil, put in all the dry ingredients, add in the egg whites and mix it together and then slowly add in water until you have a batter like consistency.
Pop cling film over the top and microwave for 30 second sessions until it is bouncy/ firm on top!
Then top with whatever you desire.
Optional extras to mix in the batter are endless. I've tried:
Cacao nibs,
Nut butter (make the mixture, drop in a teaspoon of nut butter and then microwave),
Dried nuts and fruit,
Berries (do the same as with the nut butter)
Fit Kitchen: Don't get me wrong, I love meal prep- I find it so therapeutic- but sometimes you just don't have the time. And, this month has gone that way; work has been crazy and available time has been minimal. Therefore, these delicious, protein packed, low calorie meals have come in so handy; keeping me full until snack time and the hunger pangs at bay. My personal favourite is the Pad Thai Chicken with zesty sauce; only 288 calories, all natural ingredients, 3 of your 5 a day and most importantly DELICIOUS.
My Fitbit Blaze; I loveeeee my blaze and have @whenharrymetsalad to thank for having one! It tracks my steps (making sure that I am active throughout the whole day, not just at the gym), my running routes (this means that I can make sure I am progressing run by run, week by week, in order to meet my pace goals), my weight training sessions (making sure I keep my heart rate up at all points; not just when I'm warming up) and most importantly tells me how many calories I've burned (I'm currently cutting, so this helps me to stay in a slight calorie deficit).
Sunday walks with those who matter the most; this might sound such a silly one, but taking the time to spend quality time with those you often take for granted is a must in life. My Mum, sister and I have been making sure that we go on long, country walks on a Sunday to forget our worries and just let the world go by.
Hannah x


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Bogota, New JerseyPhotos, maps and news from Bogota, New Jersey.Updated September 26, 2017.
Bogota is a borough in Bergen County, New Jersey, United States. As of the 2010 United States Census, the borough's population was 8,187, reflecting a decline of 62 (-0.8%) from the 8,249 counted in the 2000 Census, which had in turn increased by 425 (+5.4%) from the 7,824 counted in the 1990 Census. Bogota was formed on November 14, 1894, from portions of Ridgefield Township, based on the results of a referendum held that day. The borough was formed during the "Boroughitis" phenomenon then sweeping through Bergen County, in which 26 boroughs were formed in the county in 1894 alone. Portions of Bogota were taken in 1895 to form part of the newly created Township of Teaneck. Bogota was named in honor of the Bogert family, which had been the first to occupy the area, and may also be a portmanteau of Bogert and Banta, another early family, with an "O" added to ease pronunciation. The borough's name is pronounced buh-GO-ta, unlike Bogotá, capital city of Colombia, whose name is accented on the final syllable. Coincidentally, 1.54% of Bogota's residents are from Colombia.
Other places in New Jersey
- Allamuchy Township, New Jersey
- Audubon, New Jersey
- Bethlehem Township, New Jersey
- Blairstown, New Jersey
- Bloomfield, New Jersey
- Chesterfield Township, New Jersey
- Clinton Township, New Jersey
- East Newark, New Jersey
- Glen Gardner, New Jersey
- Hackettstown, New Jersey
- Hampton, New Jersey
- Highlands, New Jersey
- Hopewell Township, New Jersey
- Little Falls, New Jersey
- Midland Park, New Jersey
- Milford, New Jersey
- Millburn, New Jersey
- North Plainfield, New Jersey
- Paramus, New Jersey
- Runnemede, New Jersey
- Summit, New Jersey
- Totowa, New Jersey
- West Cape May, New Jersey
- Woodstown, New Jersey


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Among the nine planets of the solar system, with is the only one where life exists. Plants and animals exist on earth because it has all the favorable conditions required for survival of life.
Even on earth life is not found everywhere because survival requires a particular type of environment. That part of the earth where plants and animals exist is called biosphere. Biosphere is further divided into three parts; lithosphere, hydrosphere and atmosphere. Lithosphere is that part of earth where rocks, sand, soil, plants, animals, etc. are found. That part of the earth where water is present is called hydrosphere. All the animals and plants need water to live. The blanket of air which surrounds the earth up to a height of about 100 km is called atmosphere. Atmosphere is a balanced mixture of several gases like nitrogen, oxygen and carbon dioxide. The major atmosphere extends up to 320 km above lithosphere and hydrosphere. About 10 km below and 10 km above the surface of the earth is biosphere. In reality 90 percent living beings live in the area between 1 km below and 1 km above the earth's surface.
Biosphere or ecological frame work always remains in a dynamic equilibrium. In this many biological and physical elements are present in a balanced state. Air, water, soil, animal, plants and bacteria are all linked to each other or to their surroundings by some means or the other. This system is called environment. Environment includes all those conditions which affect our life. Plants, animals, water, air, land are important parts of our environment because living being cannot survive without them. Our houses, villages, towns etc. all are included in the environment. Man has created an imbalance in the environment by its haphazard exploitation to fulfill his needs. The trees are being cut mercilessly; water and air are becoming highly polluted. If environmental pollution keeps on increasing with the present rate, the very existence of the life on earth is endangered.


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The following are what the suition I met.
It has been difficult in a way to understand how to go by building backlinks, reading and researching all around there are tons of pages saying same the same thing, and some that goes the opposite way of what the last page said.
A few weeks back I found this great website that explains alot by JacobKing and MatthewWoodward, but they use paid software such as Scrapebox which It great and I haven't been able to find a good alternative.
Somewhat from this image I can understand the base of tiered link building, but from so little information that I could find, it's a little hard to understand everything.
So if anybody could answer a few questions that I have to clear up some confusion it would be greatly appreciated.
1) Is it worth doing tiered link building manually, without using GSA and other tools used by these SEO "experts".
2) Are there any free tools to accomplish what scrapebox does without the commenting part, just the google scrapping with pagerank checker, domain outbound weight, etcetera..
3) If I were to follow this image below, I'd create TIER 1 with everything above PageRank 2+, then create TIER 2, that links back to TIER 1, and so on.. how many tiers should be created over the course of one week as in is there a limit? (considering the fact that you'd need to do blog comments, guestbooks and stuff of the such which would take forever.. )
What is the way to backlink building? I apologize for this question once again, it's just completely confusing with outdated sources all over.


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Monday, July 4, 2011
Binding System Blog Hop Follow-Up
Thought I'd let you know the results of our drawing for the CarlaCraft Binding System prize pack. Congratulations to Lena aka Scrapbutterfly! Lena, please email me with your address so we can get that sent out.
If you decide to get this handy tool, you can join Lena (and others who already have it) in bringing a smile to someone's face:
Tyler, one of my nephews, had kindly donated two of his Pokemon trading cards to my craft stash. I decided to return them on Saturday...in an altered notebook version.
Speaking of notebooks, you probably recall Tex's cute "secret" password book from our hop:
I asked if she would share the inside pages with our Inky fans:
She forwarded them to me, and I've converted them into PDF files that you can download and print to make your own password books. Here's the first page, with the title "Passwords." (Use one per password book.) And these are the other inside pages. (Print as many as you need to follow the title page.) The pages measure 4" x 5 3/4" and I've aligned them with the upper left corner, so you'll want to cut them accordingly.
If you prefer to have pages that measure 4 1/4" x 5 1/2" (which will save on paper since you can get four pages per 8 1/2" x 11" sheet), here is the first page and these are the other inside pages for the revised A2 size password book.
Thanks very much to Tex, our other wonderful designers, and all of YOU for participating in this hop. Hope your Independence Day is a safe and happy one!
5 comments:
- Jovita said...
Congratulations Lena, your going to love using your new gadget.
Thank you Bev for sharing your "password" template and Jackie for converting them to pdf... I'm definitely going to make a few of these for family members.
- July 4, 2011 at 7:12 PM
- Blaire said...
I am so excited to make this little ETC. book for my mother and all my MOPS mommys! Thank you for sharing this with us.
- July 4, 2011 at 8:05 PM
- Lena said...
Im so excited I won! Thank you so much!! I cant wait to make this little password book. Thank you for the instructions in pdf!!
- July 5, 2011 at 11:15 AM
- Marie said...
Thanks for converting this for me, the computer challenged card maker. I loved the idea but wasn't sure if I would be able to duplicate the pages. Thanks, Tex for the idea and a big thanks to Jackie for converting it to PDF. Now I just have to figure out what PDF is! Lol ;-)
- July 5, 2011 at 7:52 PM
- Bev Gerard said...
Eeeeeeeeeeeeps! I'm glad y'all like the passwords notebook idea! Big thanks to Jackie for turning it into a pdf so we can always get the right-sized results!
- July 6, 2011 at 10:56 PM


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The U.S. Department of the Treasury, the D2D Fund and the Center for Financial Services Innovation announced the winners of the IdeaBank portion of the MyMoneyAppUp Challenge, which awards the best mobile app ideas and designs to facilitate smart financial choices via high quality products and services.
The winning submissions were chosen from the more than 300 ideas, sent in 140 characters or less, for next-generation financial-management mobile tools. The proposals came from industry leaders, academics and consumer advocates and were whittled down first by a public vote of more than 1,300 people, and then a panel of judges that selected winners from those finalists.
Those winners, who will claim cash prizes for their ideas, are:
Grand Prize, receiving $1,000
"I want an app that lets me enter purchases and rate/track how happy they do or don't make me over time, so I can adjust my spending accordingly."
Collin O'Rourke, 26, Waukegan, Ill.
Runners-Up: Two winners, each receiving $500
"I want an app that locates people around you who are willing to trade away an item that you would have otherwise purchased, then facilitate the trade."
Genki Kondo, 24, Bethesda, Maryland
"I want an app that calculates the return on investment for college, based on expected net cost of tuition at specific colleges and anticipated salary by major."
Stephanie Halligan, 25, Arlington, Virginia
Honorable Mentions: Two winners, each receiving $250
"I want an app that shows real costs. If I put $100 shoes on a credit card with 18% rate, what do they really cost me? What would $100 do if invested instead?"
Emily Hummel, 43, Austin, Texas
"I want an app that will set guidelines for my expenditures in accordance to my yearly salary and will periodically inform me of my remaining spending capacity."
Waqarul Islam, 16, Bronx, New York
Support for the prizes and administration of the challenge by D2D and CFSI comes from the Ford Foundation, Omidyar Network and the Citi Foundation. Winners that want to take their ideas to the next step and develop fully functional apps can enter the separate Financial Capability Development Competition, sponsored exclusively by D2D and CFSI.
More information on the challenge and all the submitted ideas are available at IdeaBank.MyMoneyAppUp.Challenge.gov.


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- Tomorrow is release day!
Friday 4/29/2016 my new cd, "No Turning Back" comes out. I hope you get a copy and enjoy it.
I am excited about the new cd, but there is a part of me that is feeling something all together different. I am still very sad about the loss of my brother and the release of the cd kind of stirs it all up. Jeromy was my biggest supporter. We wrote together all the time. Countless songs that I plan to record, and songs that will never see the light of day. Any bit of musical talent or drive or passion comes directly from him. He taught me about good music. He introduced me to practically every artist i listen to. He took me to Gruene Hall for the first time to see Todd Snider. His love of music was apparent to anyone who knew him.
I have put out 2 cds before "No Turning Back." and Jeromy sang on both of them. He could harmonize with me like nobody else can or probably ever will. He was a better singer and songwriter than me by a long shot, but he never persued it too much. He was happy playing little weekly gigs or song swaps when the opportunity arose. He didn't sing on the new one. The timing didnt work out to where he could make it to the studio. I did include a song we wrote together called "waiting on your turn to talk" and I am glad that I included it. Ill probably never record a cd that doesnt have one of his songs, or a cowrite with him on it.
So I face tomorrow with equal parts excitement and anxiousness. Its gonna be a tough day. I will want to call him and text him all day to either share something exciting that happened or complain about some menial thing that doesnt really matter.
This cd is dedicated to my brother Jeromy. I miss him so incredibly much. Any sucess I have in the music world is dedicated to him. He wanted it for me as bad as I do. He told me many times. I never dreamed i'd have to chase it without him cheering me on.


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People who are brand new to internet marketing are known as newbies. If this is you, you are going to love Newbie Universe - where you can learn internet marketing from veterans.
Exactly what is Newbie Universe? It is an internet marketing forum run by some serious people, who are seriously experienced with internet marketing (and who have lots of silly moments too, just not when it comes to work). We've been in the business for over a decade and known the ins and outs of what works and doesn't. More importantly, this forum is intended to be a community where everyone contributes, experiments are tried, and people can get a feel for what might work for their site and what might not - without wasting a bunch of money and time.
So, what kind of information will you find? We provide posts packed with techniques, tips, strategies, services, legal information and the like. Many of them take the form as tutorials. As our community grows, we will be proposing experiments and tests to see how various strategies and techniques work. Everything will be transparent so that you can see how things go, learn a thing or two and contribute as well.
As the name suggests, this forum is devoted to anyone interested in internet marketing, but we hope it's of particular interest to newbies. We know how hard it is to dig through all the crap you'll find at some of the other internet marketing information sites; most of it is just designed to sell you something or to pump up someone's ego. Well, we aren't selling ebooks, video sets, podcasts or anything else here, and we're not interested in egos, either. This is just a place where you can get involved in a community of internet marketers with various levels of experience - and learn at your own pace without being talked down to or viewed as a captive audience for sales pitches. And it's a place where IM veterans can settle in comfortably, share information and learn some new stuff without the attitude you find at some of those "other" places.
Newbie Universe is a different kind of internet marketing forum. In the old days of the internet, there used to be forums where people could come together, ask questions and discuss things without the fear of being ridiculed and virtually assaulted. Unfortunately, that friendly atmosphere has been lost at most forums these days; they're filled with people being mean to one another. Whether it's to prove their virtual manliness, or just because they're mean, we don't know.
What we do know is that at Newbie Universe, it is our goal to return to the good old days of forums. For that reason, we have a no jerk policy. We are all for spirited debate on various topics, but it must be respectful. Anyone slamming someone else, or answering a question by snidely saying "use the search button," will simply be banned from the board. A forum is only good if people feel comfortable asking any question - and that is the community we're striving for. We're all here for the same thing, to learn in an enjoyable and fun community.


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Michiko Hanzawa Fukuda
Posted On January 1st, 2013 - Honolulu Star-Advertiser
Dec. 17, 2012
Michiko Hanzawa "Grace" Fukuda, 89, of Honolulu, a retired Tropicana Sportswear seamstress, died. She was born in Makawao, Maui. She is survived by sons Channing Y., Colin J. and Kalani M.; daughters Leimomi Y. and Naomi N.; and three grandchildren. Visitation: 5 p.m. Monday at Hosoi Garden Mortuary. Services: 6 p.m. In lieu of flowers, donations suggested to Hospice Hawaii, 860 Iwilei Road, Honolulu, HI 96817.
Posted in Death Notices


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How to Enroll in an Externship For Units
Congratulations on securing your externship. Enrollment is a simple procedure and this protocol will walk you through it.
If you are enrolling in an off campus externship in judicial chambers, a government agency, or a public interest law firm, here are the steps:
- You may not enroll in these placements through prowl.lls.edu. Camille Toomer, the Externship Department administrative assistant, is the only person who can provide a CRN number for your enrollment.
- Go on the Externship website and click on the "forms" tab. Complete an application. Complete a contact sheet. Add a copy of your resume.
- You may either bring these forms into the Externship Department, Founders Hall 240, or you may email them to firstname.lastname@example.com. With this email, let Ms. Toomer know how many units you plan to take for this externship. Each unit = 52 hours, or four hours per week over a 13 week semester. If you plan to be at your placement for 16 hours per week, then you would enroll for four units. If you plan to be at your placement for 24 hours per week (three 8 hour days) then you will enroll for six units. You may also enroll for 3 units or 5 units if that is something your supervising attorney or clerk agrees to.
- When Camille gets your application paperwork, she will email you a handbook with information regarding the mandatory class meeting for the course on "Ethics, Professionalism and Course Requirements." You must attend the scheduled class meeting, or you risk not being enrolled. When you attend class and submit your signed performance agreement as required in class, Camille will email you your CRN number for you to add your externship. So please check your emails.
You will not be enrolled in your externship until you attend the mandatory meeting. Just to be safe, we recommend that you enroll in a full slate of classes as soon as registration begins for the semester in which you wish to enroll in your externship. When Camille creates your CRN number for enrollment she will email you the CRN to add your externship. If you have any questions on how to drop a class please contact the registrar's office.
If you wish to enroll in the Loyola Immigration Clinic, the Center for Juvenile Law and Policy, the Hobbs Trial Advocacy program, the Semester in Practice, the Private Law Firm Placement program or program other than the off campus program described above, you must contact the faculty member in charge of the program for enrollment procedures.


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Pregnancy - Temporary Disability Benefits for Pregnancy Related Disabilities
If you are pregnant, eligibility for temporary disability benefits is determined in the same manner as for any other disabling condition. When you have stopped working and your doctor certifies that you are disabled, apply for disability benefits.
For a normal pregnancy, benefits are usually payable for 4 weeks before the expected delivery date and 6 weeks after the actual delivery date (8 weeks if you delivered by Cesarean section). A doctor may certify that you are disabled for a longer period if:
- You experience specific complications related to pregnancy.
- You have another simultaneous disability.
- You are physically unable to do your regular job.
Do not file your claim before your doctor says that you are disabled and unable to work.
Do not file your claim until you have actually stopped working.
Your claim may be denied if you file before you become disabled or before you stop working.


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Groomed like a sir
Posted on 6 December 2016 - 10:59am
YOU'LL never get a second chance to make a good first impression, as the saying goes.
And most of the time, how one looks plays a crucial role in making that impression, which includes grooming. How one's hair is styled and facial hair is trimmed can make a difference between looking like a professional executive or a hobo on the street.
And this is where Gentlemen's Tonic comes into play, a stylish barbershop and urban male spa catered for men.
"Self-presentation is very important nowadays – if you meet someone whom you do not know, people would judge you based on your appearance," said Gentlemen's Tonic managing director Fiqri Hylmanshah.
Noting that the image represents one's self, he said that the image is important in telling others what you represent, be it a corporate employee or a model.
The male grooming establishment is designed with a mixture of wood, leather and marble fixtures like those of the older Western days that brings about a sense of luxury and class.
Located in Publika, Solaris Dutamas, Gentlemen's Tonic offers not just barbershop treatment of cutting and trimming hair, but other services including wet shaves, beard trims, head neck and shoulder massages, as well as facial, toning treatments, manicures, and pedicures.
When asked why the establishment caters to men only, Fiqri replied, "when men want to get their haircut, they get it at a unisex salon ... it is not personalised and does not make them feel exclusive.
"No doubt, the groomers there use a wide range of high-quality products, but most of the time, you see a lot of products that are advertised for women, as well as posters of female models... it is not very welcoming for a man."
With a wide range of its own brand of male grooming products, Babassu and Bergamot, a range of Eau de Toilettes and Advanced Dermacare cosmeceutical range, Gentlemen's Tonic also provides quality service to every single customer that walks in. The outlet also has a dedicated room for those who want some privacy during their treatment.
FIRST EXPERIENCE (of the writer)
I had an opportunity to experience some of the services at Gentlemen's Tonic. I opted for The Shackleton, a basic package which includes a haircut and traditional wet shave.
I had my hair trimmed as well as "moustache and beard" (or what little of it) shaved by Oscar, a hairstylist who hails from Jordan. He has 10 years of experience in the grooming industry.
Sitting on the chair while being serenaded by soft jazz music in the background, Oscar carefully trimmed my hair as I was lulled into calmness as time passed by.
The grooming area was spacious, and I did not have to move around to get my hair wash, as the basin can be adjusted to move towards me.
Later, I had facial and manicure – something that I have not experienced before. The facialist, Lucy first cleansed my face then used steam to open my pores. Later, she removed blackheads from my nose, gave me a facial massage, applied a mask before ending the treatment with a moisturiser.
My skin certainly looked fresh and radiant. And I felt rejuvenated and brand new, and was brimming with new-found confidence


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As a member at Colonial Country Club, Ryan Palmer has played plenty of rounds across its tree-lined fairways and narrow targets – none better, though, than Thursday's 8-under 62.
A resident of nearby Colleyville, Texas, Palmer carded eight birdies without dropping a shot during his opening round of the Crowne Plaza Invitational, and as a result held a two-shot lead after signing his scorecard. He admitted after the round that local knowledge helped on a day where he found 12 of 14 fairways.
"This golf course, I know where to hit it," explained Palmer, who also reached 14 of 18 greens in regulation. "I felt comfortable over every tee shot. I hit driver almost everywhere I could and I drove it perfectly today."
The 62 tied Palmer's lowest career round on the PGA Tour, and it also equaled the low mark for opening rounds at Colonial. Beginning the day on the 10th hole, the three-time PGA Tour winner got his round going with four straight birdies from holes 14-17 and then capped it in style, carding red figures on three of his final four holes Thursday.
Palmer isn't the only member of his team with ties to Colonial. His caddie, James Edmonson, is also a club member, and saw Palmer equal his personal low round with Thursday's 62.
"I guess it's a benefit, being a member here," added Palmer, who made five birdie putts of seven feet or less during his opening round. "I didn't pull out my yardage book all day except to write the scores down, because here I don't really need much but a yardage."
This week's event continues an emotional stretch for Palmer, who two weeks ago tied for fifth at The Players Championship after learning of the death of a close friend. After playing well at TPC Four Seasons last week, he now finds himself out in front at an event that holds a special place in his heart.
"This is the one tournament I gear up for the most. If I get in the four majors, this tournament will be the most meaningful to me to be on that wall on the first tee,' he said of the wall containing plaques of past Crowne Plaza champions. 'I dream about it all the time. I can't begin to tell you what it would mean [to win]. Hopefully I will be able to tell you on Sunday.'