text:
- What's New at EBRI
- Fast Facts
- Issue Briefs
- Notes
- Press Releases
- President's Reports
- Testimony
- Resources
- Benefit Bibliography
- Benefit FAQs
- Links to Other Internet Resources
- Reference Shelf
- Special Issues of Periodicals
What's New - November 2010
Index to All Months Return to Current Month
As a research site, EBRI.org maintains old listings in the "What's New" page, even though some of the older links may no longer function. If you reach a bad link, go back to the main site by deleting everything after ".com" or ".org" or ".gov" or ".net" in the address. Since we maintain www.ebri.org/ as a research and education resource, and not current news, we hope you will understand our policy and the use for which it is maintained. We apologize for any inconvenience.
What's new at EBRI this month:
New EBRI Blog Is Now Live! [March 23, 2010]
"EBRI Now on Twitter" [EBRI Press Release, 2/6/09]
401(k) Balances and Changes Due to Market Volatility
November 2010 EBRI Issue Brief - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2009"
November 2010 EBRI Issue Brief - "The Impact of Auto-enrollment and Automatic Contribution Escalation on Retirement Income Adequacy"
November 2010 EBRI Notes - "Retirement Plan Participation: Survey of Income and Program Participation (SIPP) Data, 2009" and "Variation in Public Opinion About Health Reform, by Plan Type: Findings from the 2010 EBRI/MGA Consumer Engagement in Health Care Survey"
Sixth Edition of EBRI's Fundamentals of Employee Benefit Programs Is Now Available
New Survey Released March 19, 2008: Preparing for Their Future: A Look at the Financial State of Gen X and Gen Y - Press Release
What's new in employee benefits:
- Late-breaking news items from Business Insurance posted every business day
- Washington Report from the legislative research staff of Hewitt Associates
- HR News Online -- a daily update from the Society for Human Resource Management
- Employee Plans News (IRS) [on retirement plans / current issue only]
- Tax Information for Retirement Plans Community (IRS)
- Topics for Retirement Plans (IRS)
Towers Watson U.S. Legislative Tracking Charts - Health and Welfare
- Towers Watson U.S. Legislative Tracking Charts - Retirement
The following items have been added to the Government Accountability Office's Web site in Portable Document (PDF) format:
Social Security Reform: Raising the Retirement Ages Would Have Implications for Older Workers and SSA Disability Rolls. GAO-11-125, November 18.
Private Pensions: Changes Needed to Better Protect Multiemployer Pension Benefits. GAO-11-79, October 18. Highlights.
Health Care Delivery: Features of Integrated Systems Support Patient Care Strategies and Access to Care, but Systems Face Challenges. GAO-11-49, November 16. Highlights.
The Federal Government's Long-Term Fiscal Outlook: Fall 2010 Update. GAO-11-201SP, November 15. Highlights. Podcast.
If a title link above no longer works, click here for the GAO home page and search for the report by keyword or report number. Click here to browse by date, topic, or agency. Searches for reports can also be conducted in the Government Accountability Office (GAO) Reports Online via GPO Access database.
If your computer does not already have the free Adobe Acrobat viewer software to read PDF files, click here for the one-time download necessary to read PDF publications.
The U.S. Department of Labor (DOL) has established a National Call Center to serve its customers. By calling 1-866-4-USA-DOL, America's employees and employers can find answers to questions on a range of employment issues. This toll-free service offers live operator assistance and is a central access point for all DOL services and programs. It serves both English and Spanish speaking callers. The Call Center can assist workers and employers with questions about job loss, business closures, pay and leave, workplace injuries, safety and health, pension and health benefits, and reemployment rights for reservists.
Additional Department of Labor toll-free numbers to call for questions regarding specific issues are listed below:
1-877-US-2JOBS Job Loss, Layoffs, Business Closures, Unemployment Benefits and Job Training
1-866-4-US-WAGE Pay, Overtime, Leave and Child Labor
1-800-321-OSHA Workplace Safety and Health
1-877-889-5627 TTY number for all Department of Labor Questions
The Internal Revenue Service has announced that technical or procedural questions relating to retirement plans are answered at the EP Customer Account Services site. Answers to many questions may already be available under Retirement Plans Frequently Asked Questions (FAQs). If not:
Call: TE/GE Customer Account Services at (877) 829-5500 (toll-free number).
The call center is open 8:00am to 6:30pm Eastern Time.
Write: Internal Revenue Service
TE/GE Division, Customer Service
P.O. Box 2508
Cincinnati, OH 45201
Email: email@example.com
Note: All questions submitted via e-mail must be responded to via telephone,
so please remember to include your phone number in your message.
[11/30/10] U.S. Department of Labor Employee Benefits Security Administration: Target Date Disclosure; Proposed regulation [as published in the Federal Register on Nov. 30, 2010]
[11/30/10] Internal Revenue Service: Employee Plans News [Nov. 26, 2010]
[11/30/10] Pensions & Investments: "Think Tank Wants to Cut Tax-Deferred Plan Contributions"
[11/30/10] The New York Times:
- "Liberal Groups to Propose Routes to Smaller Deficit"
- "Senators Cannot Agree on Fix to the Health Law"
[11/30/10] Centers for Disease Control and Prevention: "Vital Signs: Health Insurance Coverage and Health Care Utilization -- United States, 2006-2009 and January-March 2010"
[11/30/10] The Washington Post: "Value-based Insurance Design's Pros and Cons"
[11/29/10] The Washington Post: "Tax Break for Employer Health Plans a Target Again"
[11/29/10] Internal Revenue Service:
- Funding Relief for Multiemployer Defined Benefit Plans Under PRA 2010 [Notice 2010-83]
- Guidance on In-Plan Roth Rollovers [Notice 2010-84]
[11/29/10] Center for State & Local Government Excellence: Pension Reforms: "The Center is collecting best practices, principles, and lessons learned from state and local pension plan changes that have been negotiated over the past 10 years. Use this interactive map to find examples of state and local governments that have negotiated changes, many with links to more information."
[11/29/10] Employee Benefit News: "It's Time to Focus on What Really Drives 401(k) Success"
[11/29/10] Aon Hewitt: IRS Releases Proposed Cash Balance Plan Regulations Allowing Equity-Based Rates of Return
[11/29/10] The Seattle Times: "Fixing Social Security Could Be Painless, Given Enough Time"
[11/24/10] Internal Revenue Service:
- "Reporting direct rollovers from 401(k) and 403(b) plans to designated Roth accounts in the same plan and subsequent distributions allocable to the rollover on Form 1099-R in 2010"
- 26 CFR 601.201: Guidance on Pre-Approved Individual Retirement Arrangements (IRAs) (Also Part I, §§ 408, 408A) - [Rev. Proc. 2010-48]
[11/24/10] PIMCO DC Dialogue™: "Happy with Less" ["In this PIMCO DC Dialogue, we talk with UCLA Professor Shlomo Benartzi about how behavioral economics - including automatic enrollment and contribution escalation - has improved savings in defined contribution plans."]
[11/24/10] Pensions & Investments: "401(k) Accounts Gained in 2009, Report Shows"
[11/24/10] National Institute on Retirement Security: "Raise the Retirement Bar, Not the Age?"
[11/24/10] Council for Affordable Health Insurance Policy Trends: "Trends in State Mandated Benefits, 2010"
[11/24/10] American Medical News: "IOM Takes First Step in Defining Essential Health Benefits"
[11/23/10] Bloomberg: "Account Balances for 401(k) Saving Plans in U.S. Increase 32%, EBRI Says"
[11/23/10] Milliman's Client Action Bulletin: "Year-End Compliance Issues for Single-Employer Retirement Plan Sponsors"
[11/23/10] Financial Finesse, Inc.: Financial Finesse Reports: Research on Financial Trends - Q3 2010 Research
[11/23/10] Society for Human Resource Management and National Association of Independent Colleges and Universities: Who Benefits from Section 127? A Study of Employee Education Assistance Provided Under Section 127 of the Internal Revenue Code
[11/23/10] Harvard Business Review: "What's the Hard Return on Employee Wellness Programs?"
[11/22/10] U.S. Department of Health and Human Services: "New Affordable Care Act Rules Give Consumers Better Value for Insurance Premiums" [News Release]
[11/22/10] The Washington Post: "Health Plans Must Spend Premiums on Medical Care"
[11/22/10] The Commonwealth Fund: How Health Insurance Design Affects Access to Care and Costs, by Income, in Eleven Countries
[11/22/10] Profit Sharing/401k Council of America [Blog]: "No Tax Deferral for 401(k) or Other Employer Sponsored DC Plans?"
[11/19/10] Investment Company Institute Research Perspective:
- "A Look at Private-Sector Retirement Plan Income After ERISA"
- Appendix: "A Look at Private-Sector Retirement Plan Income After ERISA"
[11/19/10] Associated Press (via USA Today): "AP: GAO Tells Congress Raising Retirement Age Hurts Poor"
[11/19/10] Social Security Administration Policy Brief: "Distributional Effects of Price Indexing Social Security Benefits"
[11/19/10] Sibson Consulting Capital Checkup: "2011 Medicare Premiums, Deductibles and Coinsurance"
[11/18/10] U.S. Department of Labor Employee Benefits Security Administration: Annual Funding Notice for Defined Benefit Plans; Proposed rule [as published in the Federal Register on Nov. 18, 2010]
[11/18/10] Mercer: "Health Benefit Cost Growth Accelerates to 6.9% in 2010" [Press Release]
[11/18/10] Employee Benefit Adviser: "Gov't Amends 'Grandfather' Regulation"
[11/18/10] U.S. Departments of Health and Human Services (Office of the Secretary) and Labor (EBSA): Affordable Care Act; Federal External Review Process; Request for Information [as published in the Federal Register on Nov. 17, 2010]
[11/18/10] U.S. Senate Finance Committee: "Strengthening Medicare and Medicaid: Taking Steps to Modernize America's Health Care System" [Hearing held Nov. 17, 2010, includes links to statements and testimony]
[11/17/10] Bipartisan Policy Center Debt Reduction Task Force: Restoring America's Future: Reviving the Economy, Cutting Spending and Debt, and Creating a Simple Pro-Growth Tax System
[11/17/10] U.S. Departments of the Treasury (IRS), Labor (EBSA), and Health and Human Services (Office of Consumer Information and Insurance Oversight): Amendment to the Interim Final Rules for Group Health Plans and Health Insurance Coverage Relating to Status as a Grandfathered Health Plan under the Patient Protection and Affordable Care Act; Amendment to interim final rules with request for comments (on or before Dec. 17, 2010) – [as published in the Federal Register on Nov. 17, 2010]
[11/17/10] Plan Sponsor: "Target Dates Losing Image as Best QDIA"
[11/17/10] Milliman 100 Pension Funding Index: Milliman Analysis: A Second Consecutive Month of Pension Gains: Funded status increased by $79 billion during October - Forecast for End of Years 2011 and 2012
[11/17/10] Fiduciary News: "New Study Explains Why the 401k Match FAILS"
[11/17/10] The New York Times: "Obama Deficit Panel Gets Some Competition"
[11/16/10] The New York Times: "As Payouts Rise, New Tactics by the U.S. Pension Insurer"
[11/16/10] Pension Benefit Guaranty Corporation: 2010 Annual Report
[11/16/10] Plan Sponsor: "Fidelity Says Staying the Course Pays Off"
[11/16/10] Charles Schwab: "Schwab Study Finds Age - Not Finances - Drives Retirement Timing for Pre-Retiree Baby Boomers" [Press Release]
[11/16/10] Willis North America and Diamond: The Health Care Reform Survey 2010
[11/16/10] Health Affairs and Robert Wood Johnson Foundation: Health Policy Brief: Medical Loss Ratios
[11/16/10] U.S. Senate Committee on Finance: "Baucus to Introduce Bill to Repeal Form 1099 Income Reporting Requirements for Small Business" [Press Release]
[11/15/10] Pensions & Investments:
- "Pension Plan Tax Breaks Facing Challenge - Deductions for contributions at risk in quest to cut deficit"
- "DOL Rule Could Raise Pension Funds' Costs - Proposed fiduciary requirement would hit appraisers of alternative investments"
[11/15/10] San Francisco Chronicle: "Retirement: Which Generations Are the Best Savers?"
[11/15/10] Towers Watson: Accounting for Pensions and Other Post Retirement Benefits, 2010: Reporting under U.S. GAAP among the Fortune 1000 [Note: Complete report can be downloaded at the website]
[11/15/10] The New York Times: "Safer Social Security" by Peter Orszag [Opinion]
[11/15/10] Kaiser Family Foundation: "Pulling It Together...The People Behind the Entitlement Debate," from Drew Altman
[11/15/10] Centers for Medicare & Medicaid Services: Medicare & You
[11/12/10] Newsweek: "What You Should Know Before You Retire"
[11/12/10] The New York Times: "Panel Seeks Social Security Cuts and Higher Taxes"
[11/12/10] Congress.org: "Debt Panel Co-Chairmen Urge Overhaul"
[11/12/10] FiscalCommission.gov:
- Co-Chairs' Proposal [Draft Document]
- $200 Billion in Illustrative Savings [Draft Document]
[11/12/10] The Pew Charitable Trusts: No Silver Bullet: Paths for Reducing the Federal Debt
[11/12/10] President's Advisory Council on Financial Capability: The President's Advisory Council on Financial Capability will hold its first meeting on Nov. 30, 2010. Registration closes on Nov. 23, 2010 or when it reaches capacity. Click here for further details.
[11/12/10] Social Security Administration Policy Brief: "Distributional Effects of Reducing the Social Security Benefit Formula"
[11/12/10] Center for Retirement Research at Boston College:
- How Do Responses to the Downturn Vary by Household Characteristics?
- Overview of the CRR 2009 Retirement Survey [Working Paper]
[11/12/10] Towers Watson: Employee Perspectives on Health Care - Part I: The Affordability Gap [Complete report can be downloaded at the website]
[11/12/10] Employee Benefit Adviser: "GOP Must Be Strategic in Health Reform Changes"
[11/10/10] Mercer: "Few Employers Planning to Drop Health Plans after Reform Is in Place, Survey Finds"
[11/10/10] The Los Angeles Times:
- "More Americans Opt for High-Deductible Health Insurance Plans"
- "Doctors Renew Push to Delay Medicare Fee Cuts"
[11/10/10] The New York Times:
[11/10/10] Equal Employment Opportunity Commission: Regulations Under the Genetic Information Nondiscrimination Act of 2008; Final Rule [as published in the Federal Register on Nov. 9, 2010]
[11/10/10] Employee Benefit News: "The Death of DB Plans? When Two Plus Seven Can Still Equal Zero"
[11/10/10] Retirement Made Simpler™: Automatic 403(b) Toolkit: Your complete guide to automating your organization's 403(b) plan
[11/10/10] Northwestern Mutual: Financial Matters Study
[11/10/10] Congress.org: "Sparring Over Tax Cuts Underway"
[11/9/10] The Washington Post: "Workers' Health Insurance Costs for 2011 Include Higher Premiums and Co-payments"
[11/9/10] Kaiser Family Foundation: Kaiser Health Tracking Poll -- November 2010
[11/9/10] Internal Revenue Service: Retirement News for Employers [Special Edition, Nov. 5, 2010]
[11/9/10] Aon Hewitt: Pension Finance Update [As of October 31, 2010]
[11/9/10] Joint Economic Committee: Social Security Provides Economic Security to Women
[11/9/10] Congressional Research Service:
- What Effects Would the Expiration of the 2001 and 2003 Tax Cuts Have on the Economy?
- The 2007-2009 Recession: Similarities to and Differences from the Past
[11/8/10] Chicago Tribune: "Knowing Where You Stand for Retirement Is Essential"
[11/8/10] Towers Watson: Hybrid Pension Plans: A Comprehensive Look at Their History, Economics and Features
[11/8/10] The New York Times:
[11/8/10] Business Insurance: "New Form Required for Early Retiree Health Reimbursement"
[11/8/10] The Los Angeles Times: "States, Not Congress, Can Thwart Healthcare Law"
[11/8/10] Congressional Research Service: TRICARE and VA Health Care: Impact of the Patient Protection and Affordable Care Act (PPACA)
[11/5/10] Pensions & Investments: "New Congress Means Little Pension Action Ahead"
[11/5/10] Sibson Consulting Compliance Alert: "Reminder: ERISA DB Plans Must Post Certain Form 5500 Information on Intranets"
[11/5/10] PR Newswire: "ING DIRECT USA Survey: Complexity and Confusion Cause Americans to Leave Big Retirement Money at Past Jobs - Nearly One in Five Leave $50,000+ in Old 401(k)s"
[11/5/10] Benefits Quarterly: "Doing Your Homework: Understanding 401(k) Fees and Making Every Basis Point Count"
[11/5/10] The New York Times: "Is It Really a Pension? It's a Problem" [Social Security]
[11/5/10] The Los Angeles Times: "Social Security Rules Penalize California Public Employees"
[11/4/10] Mercer: "Mercer Workplace Survey - Employees in 2010 Hoping for Better Times Ahead but Still Uncertain" [Executive Summary can be downloaded at the site]
[11/4/10] Associated Press (via The Washington Post): "No Clear Path for GOP on Health Care Repeal"
[11/4/10] U.S. News & World Report: "Thousands Claim Retiree Health Care Subsidy"
[11/4/10] Grant Thornton: "National Survey of U.S. CFOs Finds Nearly One-Third Targeting Healthcare Cutbacks for Their Workforce" [Press Release]
[11/4/10] Health Affairs & Robert Wood Johnson Foundation: "'Grandfathered' Health Plans"
[11/4/10] Workforce Management: "Improving Employees' Financial Literacy"
[11/4/10] Towers Watson:
- The World's 300 Largest Pension Funds - Year End 2009
- The World's 500 Largest Asset Managers - Year End 2009
[11/4/10] Employee Benefit Adviser: "Income Tax Rates: Back to the Future?"
[11/3/10] Plan Sponsor: "What Does the Public Know About the New Health Care Law?"
[11/3/10] Social Security Bulletin:
- "The Role of Behavioral Economics and Behavioral Decision Making in Americans' Retirement Savings Decisions"
- "Retiring in Debt? An Update on the 2007 Near-Retiree Cohort"
[11/3/10] University of Michigan Retirement Research Center: The Effect of the Risk of Out-of-Pocket Spending for Health Care on Economic Preparation for Retirement [Working Paper]
[11/3/10] Towers Watson: Asset Allocation Considerations for Nonprofits
[11/3/10] Mercer: Melbourne Mercer Global Pension Index
[11/3/10] Society of Actuaries: Register Today: Come to Orlando for the Living to 100 International Symposium in January -- Plan to attend the fourth triennial Living to 100 Symposium, Jan. 5-7, 2011, in Orlando, Florida, where thought leaders from around the world will gather to share ideas and knowledge on aging, changes in survival rates and their impact on society, and observed and projected increases in aging populations. Sign up by Dec. 8 for early bird discount pricing.
[11/2/10] Winston-Salem Journal: "Health Reform Unpopular But Lively"
[11/2/10] Registered Rep: "Restoring Retirement Readiness"
[11/2/10] The Hartford: "New Research from The Hartford Shows Consumers Paying Greater Attention to Retirement Savings After Recession" [News Release]
[11/2/10] Northern Trust:
- "Northern Trust Study Charts How to Make Defined Contribution Plans Work for U.S. Employees" [Press Release]
- The Path Forward: Designing the Ideal Defined Contribution Plan [Full Study]
[11/1/10] U.S. Department of Labor Employee Benefits Security Administration: FAQs About the Affordable Care Act Implementation Part IV
[11/1/10] U.S. News & World Report: "Healthcare Reform Alters Insurance Choices for 2011 -- Provisions in the Health Reform Law May Affect What Employer Insurance Plans Offer"
[11/1/10] Pharmacy Benefit Management Institute: Prescription Drug Benefit Cost and Plan Design Online Report, 2010-2011
[11/1/10] The Commonwealth Fund: Realizing Health Reform's Potential: Pre-Existing Condition Insurance Plans Created by the Affordable Care Act of 2010
[11/1/10] Care Continuum Alliance: Outcomes Guidelines Report Volume 5 [Note: Completion of a user agreement is required to access this free downloadable report.]
[11/1/10] Profit Sharing/401k Council of America: "Department of Labor Proposed Changes to Definition of a Fiduciary by Reason of Providing Advice"
[10/29/10] Internal Revenue Service: "IRS Announces Pension Plan Limitations for 2011" [News Release]
[10/29/10] Plan Sponsor: Maximum Benefit Contributions Limit for 2001-2011 [As Published by the Internal Revenue Service]
[10/29/10] Social Security Administration: OASDI and SSI Program Rates & Limits - 2011
Updated 11/30/10


text:
SOURCE: General Electric Company
November 07, 2017 02:00 ET
FAIRFIELD, CT--(Marketwired - Nov 7, 2017) - On November 6, 2017, General Electric Company (LSE: GEC) (EURONEXT PARIS: GNE) (the "Company") filed a Form 8-K with the U.S. Securities and Exchange Commission ("SEC"), which has been submitted to the U.K. National Storage Mechanism and will be available shortly for inspection at http://www.morningstar.co.uk/uk/NSM. It is also available on the SEC's website at http://www.sec.gov and on the Company's website at https://www.ge.com/investor-relations/events-reports.
This information is provided by RNS
The company news service from the London Stock Exchange
Jennifer Erickson
+001 646 682 email@example.com
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subset: commoncrawl


text:
From the author's website:
This is the story of a boy who used to be a wolf and a girl who was becoming one.
Just a few months ago, it was Sam who was the mythical creature. His was the disease we couldn't cure. His was the good-bye that meant the most. He had the body that was a mystery, too strange and wonderful and terrifying to comprehend.
But now it is spring. With the heat, the remaining wolves will soon be falling out of their wolf pelts and back into their human bodies. Sam stays Sam, and Cole stays Cole, and it's only me who's not firmly in my own skin.
I recently succumbed to all the rave reviews and read Maggie Stiefvater's Shiver; it blew me away (review here). I was thrilled when I received a copy of the 2nd book in the trilogy, Linger, for review. For some reason, it took me a bit to get into Linger, but once I did I was hooked. I'd say Linger has two storylines going on: Grace and Cole.
Linger picks up a few months after Shiver left off - Grace and Sam are still together and things are pretty much in a routine. Grace goes to school, Sam works, and at night the sleep together in Grace's room, unbeknownst to her parents, and Isobel is now a part of their small circle of friends.
Grace has started getting headaches and then fevers and nosebleeds; which would be a regular part of life except that she's never been sick before. She feels strange, and is pretty sure she knows what the problem is - she has the same strange scent as the dead wolf she found in the woods. Sam is starting to accept the fact that he has a future, and won't acknowledge that Grace is sick. Together they spend a large part of the book ignoring it. Grace and Sam finally admit to each other that there is a problem, and the solution is iffy at best.
As far as Cole's story - I didn't like Cole at first. He was self-absorbed and irritating. As the story progressed and he spent time with Isobel, I began to like him a bit more. It's weird how two egocentric characters could bring out sympathy in each other. I'll be curious to see how (if?) both of their characters grow in the next book.
Linger felt a bit more fragmented then Shiver, but I think this may have been the author's intention. One of the things I liked about Shiver was that Ms. Stiefvater titled the chapters as temperatures, conveying the sense of urgeny in the story. In Linger, that's not an issue anymore; it's almost like instead of urgency you feel almost a sense of resignation? defeat? inevitability? at both Grace's illness and Cole's attempts to escape his demons.
So, all in all, I enjoyed Linger very much. I love the way Sam thinks in lyrics and poetry; it's one of my favorite facets of the book. Although the events at the end of the book were not a surprise to me, the way the book ended was a surprise - and now I am anxiously awaiting the third book, Forever (out in July 2011).
I enjoyed Linger and give it 4 out of 5 fleur-de-lis:
This book was provided to me free of charge by Scholastic in exchange for an honest review.
Join Linger author Maggie Stievfater and Kristi of The Story Siren for a Twitter party Thursday, July 22, between 8:00 and 9:30 p.m. EST!
~Be sure to follow Maggie @mstiefvater and Kristi @thestorysiren before the party!
~Join the fun! No one expects you or your tweets to be perfect; we're just happy you made it to the party!
~Anyone who tweets during the party using #Linger is entered to win a limited edition Linger tank top!
~Watch for questions from @thestorysiren and win awesome prizes including an iPod Touch, Maggie's artwork and gift cards!
~To join the party, you can use our official party tweetgrid or just search #Linger on Twitter.
~Ask Maggie questions or chat with other partygoers—just use the tag #Linger in all of your party tweets! (This is added automatically in TweetGrid.)
~Please don't post any spoilers and don't forget to pay attention to the time zones, the party starts at 8:30pm EST.


text:
A major test of geothermal energy at The Geysers as a significant alternative to fossil fuels has fallen seriously behind schedule, several federal scientists said this week, even as the project is under review because of the earthquakes it could generate.
Intended to extract heat from hot bedrock, the project has been delayed because the bit on a giant rig, meant to drill more than 2 miles underground, has struggled to pierce surface rock formations, the scientists said.
The bit has snapped off at least once and become repeatedly fouled in a shallow formation called cap rock, and the drillers have twice been forced to pull it out and essentially start the hole over again.
Late last year, the project, undertaken by a startup company called AltaRock Energy, received $6.25 million in financing from the Energy Department, in hopes it would be the first of dozens of projects to produce renewable energy by fracturing rock at the bottom of a deep hole and then circulating water through the cracks to generate steam.
But last month, after an article in the New York Times raised questions on whether AltaRock had been forthcoming about earthquakes generated by a similar project in Basel, Switzerland, the Energy Department and the Bureau of Land Management informed the company it would not be allowed to fracture rock until the department completed a new review of whether the project would be safe. The company was allowed to keep drilling, however, down toward the depth at which it would begin the fracturing.
The scientists who told of delays in the project spoke only on the condition that they not be identified, in order to preserve their access to company progress reports. The scientists said that after nearly two months of the highly expensive drilling, the rig had reached depths of less than 4,000 feet. The original schedule called for it to reach a final depth of 12,000 feet, or 2.3 miles, after no more than 50 days of drilling, according to company officials.
The problems are particularly surprising given that the drilling essentially started at 3,200 feet, at the bottom of an older hole at The Geysers.
The company has also raised $30 million in venture capital.
Among AltaRock's high-profile investors are Google and the investment firms Khosla Ventures and Kleiner Perkins Caufield & Byers.
Advocates for the technique, known as an "enhanced geothermal system," say it could eventually generate vast amounts of energy and reduce America's dependence on fossil fuels. But the latest delays come as AltaRock awaits word on whether the federal government will allow the fracturing of rock at all.
The fracturing would be virtually guaranteed to induce earthquakes, which the company has said would be so small as to be nearly imperceptible but which local residents and some scientists fear could be larger.
Although the Basel earthquakes caused only minor structural damage, they frightened many in the city and led to the shutdown of the project there. The Energy Department review, likely to be released in the next few weeks, is expected to compare the Basel and California projects and determine whether AltaRock's effort is safe.
AltaRock declined a request for comment on the status of its drilling.


text:
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Where could I order a Medical Alert System in OH?
Up-to-date Instruments on Medical Alert System
Technology has transformed the course of the medical field.There are several developments with medicines, medical equipment and also healthcare methods.You will realize escalating quantities of men and women who are beginning to be really self-assured in the healthcare world since several patients are effectively looked after by hospitals via numerous practices and treatments.These aspects that people are experiencing is to some degree as a result of the present medical alert systemWell you might be thinking this is just about rescuing when emergencies occurs– it's definitely not.The monitoring center will in addition speak to your loved ones and pals to inform them about the regarding accident.In connection with this, you will be request to list people either families or friends who will be gotten in touch when such incidents takes place.In this manner the vital people in your life can figure out what happen to you.This device functions variously that could work for you.As an overview, this program is linked on bringing medical services to people most specifically on threats. That is why, it is essential to people to take precautions through registering to this program.This system will make certain that the suitable people are alerted and that you will get help for whatever personal injuries you might have gotten.
Nearest Medical System to Me Allen County 45850
Personal Emergency Response System
A medical alarm is needed most specifically to old and disabled people.In addition known as a medical alert or Personal Emergency Response System (PERS), it was developed to indicate the existence of a danger needing instant awareness and summon emergency medical staffs.Commonly, the elderly and disabled people enroll for this type of system.A number of accidents in household are notably harmful and requires health attention.}It's ill-fated that some deaths could be somewhat taken care of in case medical services were not prolonged.Senior citizens or individuals with disabilities have an increased risk for these things, and may be unable to cope with them without having assistance.This is the moment medical alarms will be set to good use.Usually prospective clients seek upon the nature of medical assistance and how it's carried out.Employees on the monitoring center are skilled adequately to care for medical emergencies and are also well-informed on first aids and medical emergencies.Documents including private and classified medical records are obtained to acquire facts and idea on working medical assistance particularly when medical emergencies arises.This offers an explanation on why the elderly does not intend to occupy their houses. They have extreme anxieties that accidents and emergencies could happen and there's nobody that could assist them.Numerous people assumes that staying in a retirement house does not do them any good. It hinders them from having their independence.It is a reality that the majority of seniors dislikes living in an assisted facility or a retirement house. As encouraged, this medical alarms could eradicate that troubles a lot of seniors.Medical alert systems are sold in markets within changing cost and features. Amongst these attributes involves, hours of standby power, repair and replacement options, payment options and set up time.it is necessary to take on assessment and review to products and services before getting one.Because of this, getting a trusted, efficient, and quality service provider is rest ensured.
What is a Medical Alert Alarm?
The Medical Alert Alarms are furthermore suited with a dial-up telephone connection.The device features an extremely susceptible mic and produces a loud noise.The client speaks while the monitoring agency hears what he says. After then, the agency get in touches with all loved ones and doctors associated to notify them.Generally, this is a communication between the consumer and the monitoring agency making use of a telephone line– which likewise, connects with the medical agency together with the loved ones of the consumer.At the moment, there are a bunch of kinds of Medical Alert Alarm Systems that you could decide on upon in the market.Existing medical alert systems that fits in perhaps even in to your pillows are offered. All you have to do is to press the transmitted switch for which is located in your pillow. Tadah! assistance will arrived right away.These buttons could in a similar way be positioned to your beds. In this way, it could be within reached as emergencies happened.These Medical Alert Alarms are useful for healthy persons likewise.Every person is liable for accidents and emergencies and this system aids us attending to such problems.These systems decreases the anxiety that each member of the family feels.These devices raises independence. This strengthens confidence and boosts security against accidents and harm.And they are really easy to utilize.
Talking About the Uses of Medical Alert Systems to You
Harrod Medical Alert System
Harrod Medical Alert System
7 out of
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Let's point out you are having a bath and after that, it seemed like your heart wounds terribly and then, you unexpectedly collapses down.Or the simple fact that you get epilepsy, and senses it's gonna attacks but you are going to the market.That is why on those circumstances, patients and their loved ones gets anxious each moment and hence, could not live with peace of mind– feeling that accidents could occur.This depressing instances could get unpleasant with every day that happens.For you to repossess the confidence and to feel secure, you should get Medical Alert Alarms.We would like to avoid things from happening and among this is growing old.A lifeline medical alert system gives medical assistance to people most particularly during emergencies.Hence, this is often related to emergency response teams specifically when an elderly necessities care.The systems are very easy to operate.the device is designed to be placed on by the patient or client.When in need for support, just select the button, phone for support and the systems will hear it through an installed voice communicator.Perfectly after striking the button, medical personnel will go to deal with any threat that is taking place.The lifeline medical alert system is an excellent device. It presently delivered assistance to numerous people around the globe.Every person intends to live the way they wanted. Everyone despises to be intruded and that includes the senior citizens and persons with disability.Men and women didn't like to have to rely on another person to constantly help them.To spare yourself from constantly aided, personal emergency systems can be your rescueAlong with these system, you could live a practical life without anybody daunting you and call anytime you seek out for aid.


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Author has written 15 stories for Gundam Wing/AC, Bible, Misc. Books, Robin Hood, Tom Clancy, X-overs, Kikaider, William Gibson, and Star Wars.
"We should develop anti-satellite weapons because we could not have prevailed without them in Red Storm Rising.'"
"Nearly everyone knows that if enough monkeys were allowed to pound away at typewriters for enough time, all the great works of literature would result."
March 12, 2006: My apologies for not getting into contact with those that left reviews last year. I just went through a big update, and am ready to contact people through the private messaging system. It would be strange to just receive an email from me out of the blue, right?
That's kind of the idea behind the Genome Projection.
User pic
I write regularly, and research what I write. Given time, I hope to make friends who are also struggling with writing. I prowl Blogger, Fanfiction.net, fictionpress, and Livejournal regularly, and I read a ton of columns. Today I post my entries at Greatestjournal and Blogger. I'm thinking of converting my artwork can now be found on my DeviantART account here. I have some artwork lying around I'd love to display, and should I get a scanning device running, I can post my own images regularly.
These days I enjoy web design almost as much as writing. The reason I moved the blog from Angelfire to Livejournal to Blogger & Greatestjournal is because they offer more design control than the previous hosts. GJ and Blogger truly are awesome, and I invite you to join those communities.
Despite the name, Typewriter King doesn't write with the antiqued device. The name was actually inspired by the big gun of the gangster era of America, the Thomson Submachine Gun, known by many names, but most famously the "Tommy Gun," and the "Chicago Typewriter." Typewriter King has been very busy writing his name across the web with his typewriter.
I started at Fanfiction.net on March 31, 2004, following with an account for Fiction Press on October 15, 2004. In the real world, I'm studying at the University of Oklahoma.My Greatestjournal
|The Genome Projection
|General: All Categories


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Vintage Jewels / Antique Haven,LLC ®
Vintage Jewels / Antique Haven / Deb Hancock, Glendale AZ
Hand Made Sterling Silver Filigree Sword Scabbard Scimitar Sabre Pin Brooch
$38.00 Each tiny wire has been looped by hand to form an incredibly complex, intricate granulated, filigree, mesmerizing design of this knife, sword or dagger and scabbard pin. Equipped with an old hand made c clasp. Not marked but did test to sterling. Measures 2-1/4" long and 5/8" wide. The knife blade is 3/4" long and is removable from its scabbard to which it's attached with a chain. Great condition..
Jewelry items may be combined for shipping discounts. Please view my shop often as I continually add new and interesting items.
Any THREE ship for FREE if total is over $50.00. This is for multiple item orders.
We are a brick and mortar store, with a top A+ BBB rating..
Call us at 602-573-4975 with your credit card # and skip the hassle of the paper work if you prefer.
International buyers please use Pay Pal.
Pay Pal members may use the Bill Me Later option for one item or a group of items totaling $100 or greater and take up to six months to pay with no interest. Our shop is paid by Pay Pal and your purchase is shipped immediately.
35 other shoppers have this item in their Cart or Wish List
Store Wide Sale! Make Offers
GOLD Sold ONLY Online! No gold at my brick and mortar store! Offers welcome, most reasonable offers accepted.


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We'd like to show the side of the world you don't normally see on television.
204 members
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Added by jb
Added by jb
Posted on May 1, 2014 at 9:34am
THINK only thoughts that heal
PERCEIVE clearly with sacredness
BE mighty with humility
DO the impossible consistently ~…
Posted on July 12, 2013 at 11:00am — 1 Comment
"Love is not a tool for fools
Fear is
Love will always prevail
Fear vanishes as light comes
Love flourishes like an eternal spring
Fear does not grow or glow
Love soars in the infinite
and roars at…
Posted on May 10, 2013 at 6:30am
Hi JB,
Thanks for the friend request, I've been off the site for awhile but back at it. I work with Rick.
I appreciate your posts & your dedication to the site.
Hey jb,
Sharing this song with a few folks, thought you may like to check it out. Making the video part was fun.
Here ya go.....
Thank you JB! blessings! cant wait for more wisdom sharing!
Thank you for the warm and colourful welcome, jb, let's do this thing!!! :D
ooo so bright ,thank you
Thank you too,
what part of the world are you in
Thank you so much JB, I am glad to be.
Thanks for the welcome jb.. Blessings.. Valenitna
mahalo! love that welcome - so rainbow - my favourite!
Thank you for your friendship. Lovely page here.
Thank You for the Add.
I do not know why I did not think of that :)
Love, Edward.
Hello. Thank You for the Welcome. Good to see you here.
Love, Edward.
Hello JB;
Thanks for the welcome. Hope to see you in Winslow in Sept.
All the best; Garry
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Doreen Harker
We are sad to report the death of Doreen Harker on 10th January 2017 after a short stay in hospital. Doreen and husband Dennis showed under the prefix Phindol for many years.
Whilst Doreen did not judge at CC shows she was invariably seen at the ring side supporting Dennis who was for many years a CC judge. Both were active in the MBTC
and NBTC. Dennis was Chairman and Show Manager of MBTC for several years.
Dennis and Doreen at MBTC Silver Jubilee Show 1989
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Despite poor returns in the Canadian equity markets, other major developed equity markets around the world are recovering from the lows set in late May. This includes the US, UK, Germany, France and Japan, which are all positive so far this year. PWL portfolios are well diversified internationally to take advantage of this.
Diversification is a fundamental concept in the PWL Investment Philosophy. Ray Kerzerho, PWL's Director of Research, takes a deeper look at diversification in this month's Economic Pulse, and what it really means for your portfolio.
Are you sufficiently diversified?
Click here to view the French version of this month's Economic Pulse.
Enjoy the read,
Tony & Peter


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The history of the Scottish Episcopal Church here in Keith is fascinating and stretches for
some time into the past.
There has been a presence of Episcopalians in the area for some time, in various guises and locations. It is thought that in 1742 "a large Episcopal Meeting House was a place called Rosarie, where the minister has a very great auditory."
It is later in 1807 that the first proper Episcopal Chapel in Keith was built. It was located at the back of what is now Annand's Hardware Shop in Mid-Street, Keith. It is understood that the congregation had previously gathered in a turf- built house in Newmill before transferring to Bridge Street, New Keith in around 1779.
Having been worshipping in the chapel at the back of what is now Annand's on Mid- Street, the feu for the land/ building was sold to James Annand in 1879, however the congregation continued to worship there for seven years with the option for a further three years if needed. This was in anticipation of the building of Holy Trinity Church on Seafield Avenue. Holy Trinity Church was completed in 1882. It is reported that there was an appeal for funds for the church building advertising for a Bazaar in the Elgin Courant and Courier, and the hope to raise £800 towards the cost of building. A list of Patronesses is headed by Her Grace, the Duchess of Richmond and Gordon, The Right Hon. the Countess of Seafield and the Right Hon. Lady Clinton. The Stall Holders at the Bazaar included Mrs Kynoch-Shand, The Linn and Mrs Wheen, Isla Bank. The Bazaar was held in the Longmore Hall on 13th and 14th June 1882 and the church was completed later that year.
Holy Trinity Church has a long association with the Kynoch family and although it is little documented it is considered that the Kynochs, George Kynoch II & III, were largely responsible for the main part of the financing of the church. This ensured that there was a church to worship in and all the people working in the mills and their families could attend also. There are three of the windows behind the alter which have inscriptions on them to various members of the Kynoch family. (See Gallery)
Holy Trinity Church was supported by the Kynochs until the family no longer lived in Keith and the mill closed down, however their legacy of a beautiful building remains in use and is noted as part of the historical trail of Keith as people visit this area and the Strathisla Distillery further along the road.
The building is the largest church (St. Andrew's Cathedral in Inverness is the largest) in the Diocese of Moray, Ross and Caithness.


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Well, we now know what the true meaning of "Helicopter Ben" is.
Ben Bernanke and the Federal Reserve incited a stock market rally after announcing that they'll buy $300 billion of long-term Treasuries as well as $750 billion more of mortgage-backed securities in an effort to flood the economy with liquidity and keep interest rates low.
I have a few thoughts on this grand adventure.
First, money velocity is practically zero right now. That being the case, the Fed can keep pumping as much cash into the economy as it wants to; it's not going to make much of an impact in terms of staving off the deflationary bugaboo in the short run.
Second, and more importantly, is what impact this will have on long-term yields, and hence mortgage rates. That's really what this is about -- doing everything possible to keep mortgage rates low to help spur demand. Thing is, mortgage rates are already incredibly, and historically, low. By and large, the cost of money isn't what's hampering real estate. A decade of massive oversupply, a consumer wracked with fear over future losses, and a market where prices were exorbitantly high to begin with is the crux of the problem. Bringing interest rates down does indeed help, but it's an artificial help that doesn't let the root problem work itself out. Let's not forget, artificially low interest rates are partially what got us here in the first place. Just sayin'.
Third, I know I'm not the only one wondering how large the Fed's balance sheet can be before it reaches a tipping point of no return. The plan du jour is that all these expansionary projects will be unwound once the economy picks up steam, but there comes a point where the Fed's balance sheet will be so large that unwinding it in a meaningful way -- in a way where time is of the essence -- won't be feasible. To see what I mean, go ask AIG
Outside of long-term implications, this is indeed good news for a few wounded members of the economy. Banks like Bank of America
What do you think about these huge moves? Stocks got some much-needed relief on the news, but I'm always drawn back to what long-term implications these programs will have. Care to chime in? Share your thoughts, concerns, and suggestions for ol' Benny B. in the comment section below.
For related Foolishness:
Fool contributor Morgan Housel doesn't own shares of any of the companies mentioned in this article. JPMorgan Chase is a former Motley Fool Income Investor recommendation. The Motley Fool is investors writing for investors.


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(COLORADO SPRINGS, Colo.) — The mayor of Colorado Springs said it "certainly appears" the shooting and standoff at a Planned Parenthood clinic that left three dead Friday was an act of domestic terrorism.
Colorado Springs Mayor John Suthers would not comment on a motive for the shooting. Police haven't released a possible motive or said whether the clinic was the intended target.
"We have a person that's pretty much off the grid and acting for whatever motivation," Suthers said on ABC's "This Week." "[It's] very hard to ferret out those folks."
The shooting suspect, 57-year-old Robert Dear, entered the clinic Friday, where he engaged in a standoff with police that lasted for hours, authorities said. Three people were killed and at least nine others were injured.
"All indications are this guy, as I say, was off the grid," Suthers said.
Law enforcement sources told ABC News that Dear made rambling comments during the incident, some of which suggested animosity toward the health care provider. They said the Justice Department is building a domestic terrorism case against Dear, though it would only move forward if somehow the state capital case was sidetracked.
Vicki Cowart, president and CEO of Planned Parenthood Rocky Mountains, said it appears the clinic was targeted. She said she believed a "negative environment" around Planned Parenthood contributed to recent attacks on the health care provider.
"We've seen that across the country from all sorts of speakers in the last few months," Cowart said. "I can't believe that this isn't contributing to some folks, mentally unwell or not, thinking that it's OK to — to target Planned Parenthood or to target abortion providers."
"The airwaves are full of anti-abortion language, of anti-Planned Parenthood accusations, much of which is false in nature," she continued. "We at Planned Parenthood are first and foremost a health care provider. We provide life-saving services to all kinds of folks, men and women, across our communities, and the tirades against Planned Parenthood in the last few months have really been over the top."
Cowart said "Planned Parenthood holds the safety and the well-being of our patients and our staff at the very top of our list," adding that all of the staff at the Colorado Springs clinic escaped uninjured.
She also recognized how those in the building Friday "responded perfectly" to the shooting and standoff.
"They got away from the front of the building; they got into the back, locked portions of the building. They called 911 immediately," Cowart said. "They moved into locked office spaces, not one big space but different office spaces around the building, and they hunkered down. They quieted their cell phones, they didn't talk, and they waited for the officials to rescue them."
ABC Breaking News | Latest News Videos
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Libby Gleeson AM
BA, DipEd (1974)
Adjunct Honorary Professor
Sydney School of Education and Social Work
Libby Gleeson AM is a highly acclaimed writer for children and young people.
Gleeson graduated from the University of Sydney in 1974 with an honours degree in History and a Diploma of Education. She has taught in secondary schools, universities and tertiary colleges in Australia, Italy and London.
In 1984 her first book: Eleanor, Elizabeth, won the Angus and Robertson New Writers for the Young Fellowship and was Highly Commended in the Australian Children's Book Council Book of the Year Awards. Since then, Gleeson has written over thirty more titles for children and young people. She has been shortlisted or has won every major literary award available to this kind of writing in the country and she is widely published overseas. Her junior novel: Hannah Plus One won the Book of the Year in 1997, An Ordinary Day, illustrated by Armin Greder, won Picture Book of the Year in 2002 and Amy and Louis, illustrated by Freya Blackwood, won the Early Childhood Book of the Year in 2007. In 2000, The Great Bear, illustrated by Armin Greder, won the Bologna Ragazzi, the most prestigious award in the world for a children's picture book. This is the only time this award has been won by an Australian title. In 1997 Libby received the Lady Cutler Award for services to children's literature. From 1999 to 2001 she was chair of the Australian Society of Authors. She has been the Chair of the NSW Government, Ministry for the Arts, Literature and History Committee. In 2004 Libby was the May Gibbs Fellow, University of Canberra and a Member, NSW Department of Education panel to make awards for Excellence in Teaching. She is currently Chair of the Advisory Board for the establishment of a Children's and Youth Literature Centre in Western Sydney. In 2005 Libby received the NSW Minister for Education Medal for Meritorious Service to Public Education. She is an Adjunct Associate Professor in the Sydney School of Education and Social Work at the University of Sydney. In 2007, Gleeson was awarded a Medal in the Order of Australia (AM) for her services to literature and literacy learning.
Gleeson's most recent novel, Mahtab's Story, is the tale of a young girl and her family escaping the Taliban in Afghanistan and arriving as 'boat people' in Australia. It was published by Allen & Unwin in May, 2008. Her most recent picture book, Clancy and Millie and the Very Fine House, illustrated by Freya Blackwood was published by Little Hare in 2009 and in 2010 was an Honour Book in the Early Childhood Awards for the Children's Book Council of Australia. In 2011 two picture books will be published: I am Thomas illustrated by Armin Greder, a work for adolescents; and Look, A Book, illustrated by Freya Blackwood, a picture book for young children.
Gleeson is married to a scientist Dr Euan Tovey and they have three daughters.
A complete list of titles is available on Gleeson's website.
Graduation speech
Libby Gleeson AM gave a speech for education and social work alumni at the graduation ceremony in The Great Hall on 15 April 2011.
Back to Connecting with our Alumni


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You can help fill this bus with school supplies today from 8 a.m. – 5 p.m.
In an effort to get school supplies to local kids in need, WQAD has partnered with Quad City area schools to host a supply drive through the First Day Project: Quad City Wide Student Supply Drive.
WQAD News 8 is an all-day drop off location for donations on Wednesday, July 27, 2016. The station is located at 3003 Park 16th Street in Moline. Items can be dropped off anytime between 8 a.m. and 5 p.m. Donations are also being accepted now during business hours at the station.
Items can also be dropped off at Moline and Davenport Carpetland locations.
Items needed include
- loose-leaf paper
- spiral notebooks
- colored and regular pencils
- pencil boxes
- pocket folders
- pens
- crayons
- glue sticks
- composition notebooks
- backpacks
- scissors
- erasers
- washable markers
- watercolor paints
- rulers
Monetary donations can be made online, click here.
Since 2006 Quad City area schools and volunteer groups coordinate a combined supply drive effort through the First Day Project: Quad City-Wide Student Supply Drive.
The First Day Project unites Quad City area school supplies drives to meet the needs of students who require help in obtaining school supplies. Approximately 24,000 students in Quad City schools are from families with incomes low enough to be eligible for Free & Reduced fee waivers for school meals and fees. Some of Quad City area school districts have an average as high as 70% of students qualifying for Free & Reduced. The First Day Project will supply thousands of Quad City students with the items they need to start their school year with confidence.
Bettendorf Community School District & Police Department, Davenport Community Schools, First Day Fund Inc., Jordan Catholic School, Moline School District #40, Pleasant Valley Community School District, Rock Island/Milan School District #41, Port Byron Schools, and UTHS District #30 and feeder schools.


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Pompano Beach, FL 33060
We provide maintenance and repair services for Domestic & Import vehicles.SCHEDULE NOW
Since 1985, Poirier's Service Center has provided motorists in the Pompano Beach, FL 33060 area with comprehensive auto repair services that include General Services, Car & Truck Care, Undercar Services, Alignment, Tires, Engine & Transmission, Engine Maintenance, Transmission Services, 4x4 Services, Heating and Cooling Services, Electrical Services, Electronic Services, Miscellaneous Services, Domestic Cars & Trucks and Import Cars & Trucks. The shop is owned and operated by Ken and Ruth Poirier, and offers 39 years of combined experience in the industry. Our goal is to offer the best services available at affordable prices to get you back on the road in no time. At Poirier's Service Center, we believe in the quality of our service so much that we proudly offer a standard 24-month/24,000 mile in-house warranty. Also, since we are a one-stop automotive repair and maintenance shop, we provide a courtesy shuttle to get our customers where they need to go while we maintain or repair their vehicle.
You'll be hard-pressed to find the same level of expertise that our auto mechanic specialists provide! We have years of experience working on both domestic and import vehicles of all makes and models and can work with you to find cost-effective repair and maintenance alternatives.
For a high-performing vehicle, trust Poirier's Service Center with your car, truck, or van. To learn more about the services we offer, please contact us by phone at 954-943-1445 or send us an email. Why Poirier's Service Center? The answer is quite simple - because we are here to make our customers happy and satisfied. We invite you to learn more about our dedication to you, our valued customer. The bottom line is... we want to be here for you when you need us the most.
I have been coming to Poirier's Service Center for over 20 yrs. By far the most reliable, honest and thorough service center in Florida. Mr. Poirier and his staff are always friendly and take the time to go over every detail with you. Definitely 5 stars !!!!
I have been coming to Poiriers Service center since 1996. I have always been very satisfied with the service, knowledge and courtesy displayed at this place of business. No matter what kind of vehicle, Ken and his staff have always kept my vehicles running in tip-top shape. May God bless them always!
I was super-impressed with Poirier's. Every person working there was polite and professional in their dealings with customers. They fixed my car (needed brakes) while I waited, and the price was very fair for the work done. I think I have found THE place to get my car serviced when I am in Florida for the winter.
For years my Dad and I have been taking our vehicles to Poirier's for both routine maintenance and repairs. You can count on the guys to provide great quality service at a reasonable price with no surprises. The staff is friendly, knowledgable and very accommodating. And the car is always ready when they say it will be. Finally, unlike too many car repair shops, at Poirier's, you never feel like you've been taken for a ride. They are honest, trustworthy and do a great job.
We have been going to Poirers for ten years. I have never had a bad experience. In fact it is always a pleasure doing business with them. Extremely fair pricing, and outstanding labor. They never nickel and dime you, and are most honest auto folks around. These guys set the standard for integrity!
I'm not difficult to please. All I want from any service provider is good work and a fair price. I found Poirier's a few years ago and gave them a try mostly because of the great reviews I read online. I have had consistently good service since that time. I recommend them to anyone in the area. I don't go to anyone else.
Poirier's Service Center has taken care of my vehicles for all nine years I lived in Florida. Was recommended to me by a friend and I would never consider going elsewhere. There was only one time when they couldn't figure out what was wrong, and when they redid the work they only charged me for parts but no additional labor. Yes, it will cost you $50 bucks for an oil change, but you know you are getting trustworthy service. Most of all, this single woman was never disrespected. Ken Poirier and his staff have the highest integrity. Take your car to them!!
For 9 years I've experienced the excellent auto service provided by Poiriers. This is an honest team whom one can feel secure that they're not being "ripped-off." This is the only auto service that I use, even with a brand new car.
Ken, thanks again for excellent, honest, reliable service. It's been a pleasure to to business with you over the last 27 years.
What a great place to do business. Awesome customer service. Wow!
I have been going to Poirier's for years. They are the most trustworthy and complete automotive center in South Florida!!! I highly recommend them. Thank you again everyone at Poirier's Auto Service!
These guys do a fantastic job. I've never had a bad experience. I really appreciate two things besides the great work. One is that they never give recommendations to fix or change things I don't need. The other is that Ken (the owner) calls us a few days later to check in and make sure we were satisfied with the work.
My car is getting old and I feel like I have been living here lately. But Poirier's is the first service center I have trusted, and I know what they say needs to be done, really does need to be done. They are upfront and honest with you, and are always trying to help. Even in emergency situations I know I can come here and I am in good hands. The only downside is Poirier's isn't open on the weekends (and that's usually when my car decides to play dead) but with such great service I really don't mind waiting the couple days.. definitely worth it. Really glad I found this place.. I don't trust anyone else with my car!
Not only were they the best price around, their waiting area is nice and clean and didn't have that usually stinky smell which is typical with mechanic shops. It made my wait much more pleasant as they changed my front and back brakes. Also, The mechanic showed me what the brakes looked like before deciding which service would be needed. They also take appointments, which helps a lot. We will be using them for all of our maintenance and repair needs.
According to recent studies, 5 percent of all motor vehicle fatalities are clearly caused by automobile maintenance neglect.
The cooling system should be completely flushed and refilled about every 24 months. The level, condition, and concentration of coolant should be checked. (A 50/50 mix of anti-freeze and water is usually recommended.)
Never remove the radiator cap until the engine has thoroughly cooled. The tightness and condition of drive belts, clamps and hoses should be checked by a pro.
Change your oil and oil filter as specified in your manual, or more often (every 3,000 miles) if you make frequent short jaunts, extended trips with lots of luggage or tow a trailer.
Replace other filters (air, fuel, PCV, etc.) as recommended, or more often in dusty conditions. Get engine drivability problems (hard stops, rough idling, stalling, diminished power, etc.) corrected at a good shop.
A dirty windshield causes eye fatigue and can pose a safety hazard. Replace worn blades and get plenty of windshield washer solvent.
Have your tires rotated about every 5,000 miles. Check tire pressures once a month; let the tires cool down first. Don't forget your spare and be sure your jack is in good condition.
Check your owner's manual to find out what fuel octane rating your car's engine needs then buy it.
Keep your tires inflated to the proper levels. Under-inflated tires make it harder for your car to move down the road, which means your engine uses more fuel to maintain speed.
Lighten the load. Heavier vehicles use more fuel, so clean out unnecessary weight in the passenger compartment or trunk before you hit the road.
Use the A/C sparingly. The air conditioner puts extra load on the engine forcing more fuel to be used.
Keep your windows closed. Wide-open windows, especially at highway speeds, increase aerodynamic drag and the result is up to a 10% decrease in fuel economy.
Avoid long idling. If you anticipate being stopped for more than one minute, shut off the car. Contrary to popular belief, restarting the car uses less fuel than letting it idle.
Stay within posted speed limits. The faster you drive, the more fuel you use. For example, driving at 65 miles per hour (mph) rather than 55 mph, increases fuel consumption by 20 percent.
Use cruise control. Using cruise control on highway trips can help you maintain a constant speed and, in most cases, reduce your fuel consumption.
Keep your engine tuned. A fouled spark plug or plugged/restricted fuel injector can reduce fuel efficiency as much as 30 percent.
Inspect the engine's belts regularly. Look for cracks or missing sections or segments. Worn belts will affect the engine performance.
Have the fuel filter changed every 10,000 miles to prevent rust, dirt and other impurities from entering the fuel system.
Change the transmission fluid and filter every 15,000 to 18,000 miles. This will protect the precision-crafted components of the transmission/transaxle.
Inspect the suspension system regularly. This will extend the life of the vehicle's tires.


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By Swami Nikhilananda Saraswati There comes in the life of every seeker, a turning point. There is a determination to make a difference. With the strength of this decision, we undertake a new journey, and…
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It is important to recognize that childhood psychological development greatly affects a child's overall health and later success in life, explains the American Psychological Association. Although the public still doesn't recognize this fact as much as it should, parents can do a lot to understand their child's psychology and ensure good health and development, as early as in the womb.Continue Reading
Good mental health is a critical part of normal child development and directly impacts a child's behavior, school performance and relationships, notes the APA. Parents and caregivers should be aware of critical stages in child development and be prepared for stressful times, so that surprises or difficult transitions are as stress-free as possible for the child. Children need predictability at home and school so that they feel safe and secure. The APA strongly recommends that children have regular routines and opportunities to learn resilience and life skills.
Prevention goes a long way to avoiding behavioral and psychological problems down the road, states the APA. For parents, this includes healthy prenatal choices such as not smoking or drinking. On a community-wide level, this may include regular assessment of the child and early diagnosis of behavioral or psychological issues. Such prevention, especially from schools and health care professionals, can also counteract multiple risk factors such as poverty and abuse. Treatment should be easily affordable and culturally sensitive, allowing children and their families easy access to professional support and guidance.Learn more about Psychology


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Stoke-on-Trent council approves £24m budget cuts
Budget cuts of £24m have been approved by Stoke-on-Trent City Council for 2012-13.
The Labour-run authority said about 300 jobs would be lost in the next year.
Care homes for the elderly and support for schools are among the services which will also be affected, while council tax is set to rise by 3.49%.
Leader of the council Mohammed Purvez said the most vulnerable would be protected but it was a "difficult decision" for "difficult times".
He added that almost £5m of the savings would be used to stimulate economic growth in the city as part of its "mandate for change".
A group of eight independent and Conservative councillors voted against the budget and criticised the Labour leadership for sacrificing services to spend money on attracting businesses to the area.
Care homes
Community centres, as well as tourist attractions such as Ford Green Hall and Etruria Industrial Museum will be transferred to charitable trusts, or closed.
The Wedgwood College and Conference Centre will also close, as well as care homes The Meadows in Berry Hill and St Michael's in Chell.
On Monday, the council backed down on immediate plans to close Marrow House care home and said it would remain open for current residents.
People living in the city will also see cuts to subsidies for swimming lessons and clubs for children, as well as school transport for the over 16s.
The council also said it would end free bus travel for over 65s before 09:30 GMT.
The authority said about £9m of the savings were due to targets set under the government's 2010 Spending Review.
It added that a further £10m was due to "unavoidable costs" such as debts, and increases in overheads.
The authority rejected a proposal by independent councillor Dave Conway to cut the pay of staff earning more than £50,000 a year by 5%.


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Stamkos tried to get to his skates after plowing into the right post of the goal on November 11th, but he crashed back to the ice in agony, his broken right tibia unable to support his 190 pounds. The Bruins' fans know all too well the agony, what with their own Gregory Campbell breaking the same bone in last season's Stanley Cup Playoffs.
Campbell was done for the season, but Stamkos' prognosis is much happier, almost miraculous.
Since breaking the leg and having a titanium rod inserted to facilitate the healing process, Stamkos has been aggressively rehabilitating, wearing a removable cast that allows him to speed up the process:
"To be able to do what I'm doing now and almost comeback to a normal life, being able to just move around on your own, I'm definitely happy with that. I'd say I've overcome the initial shock and frustration and disappointment, and now it's what do I have to do to get back as quick as possible. But obviously as smart as possible." - Steven Stamkos
Targeting a February 6th return date may seem a little too aggressive for a guy that was projected to be out from three to six months, but he plans on kicking his rehab into the stratosphere after Christmas, hitting the training camp two-a-day mode to get into game shape - but Lightning General Manager Steve Yzerman is preaching caution.
"We want a healthy Stammer - and not just for this year, but for years to come - he's 23 years old. He's got a long career ahead of him. We're not going to do anything that jeopardizes him. He's not coming back before he's 100 percent." - Tampa Bay GM Steve Yzerman
The Lightning have hung tough without their leading scorer, trailing the Bruins by just three points for the best record in the Eastern Conference, which is a testament to the overall chemistry in the room, and to get back a player who has scored 222 goals and has more points than NHL game played could put them right on top.


text: Here's a great card to send to friends and family this holiday season! Also makes a great gift. These unique designs are illustrated by Marina Marchese, products designer, illustrator, owner of Red Bee® Studio and bee enthusiast. Marina's designs have appeared in Macy's, Bloomingdales and Saks Fifth Avenue. Her colorful signature style has gained world wide recognition for her Christmas cards for UNICEF and Frances Meyer Inc. Cards are blank inside and come packed with 10 cards and 10 white envelopes and are packed in clear plastic boxes.


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recommendation by susanna-alaitz
It was built as a palace in the 7th century by the king Songtsen Gampo and then rebuilded by the 5th Dalai Lama as you can seen it now. Potala is amazing from outside and inside but the new regulations obligate to do the visit in just one hour, otherwise they'll punish with a fine to your guide or to you. Is a shame but you'll visit it between two chinese tourist groups.
Anyway, enjoy one of the world atractions and the mirror of Tibet.


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VERY UNUSUAL 1/8th mtr MEDIUM DENSE 23mm - 24mm Pile Curly Wavy Yellow with violet tipped Steiff Schulte mohair is very soft curly and very luxurious and rich in colour. It makes the most wonderful stunning Teddy Bears. Please note whilst every effort is made to ensure colours depicted are accurate they can vary due to resolution and settings on your computer.Shipping cost are an estimated guide using USA as an example via Royal Mail Website for actual cost click onto our Shipping & Policies.If you have any other questions get in touch, we always happy to help
We will endeavour to ship items within 5 working days of receiving payment. UK domestic orders will be posted through Royal Mail First Class.International Orders will be posted through Royal Mail International Tracked and Signed.International Shipments include Insurance against loss or damage, this is included in the shipping price. The insurance covers the cost of the goods being shipped. It does not however cover the cost of shipping, therefore it does not cover the additional cost of reshipping a replacement item if a claim is filed.INTERNATIONAL CUSTOMS / IMPORT FEES, The purchaser is responsible for any Import fees, tax, vat duty, handling or other charges that me be charged by your country. ONLY the purchaser can pay these fees once the item has arrived in your country. We are not responsible for these fees nor can we pay them in advance. Please research your countries import and handling fees and policies if you have any questions.Please allow extra time for custom orders due to the additional time required to fulfil them.Please allow extra time during festive periods due to the addition workload on the postal service, and delays due to adverse weather.
We accept payment via Paypal. Etsy Direct Checkout.
We quality check all our orders before postage, in the hope that you will never have to return an item. However if a return is necessary we will endeavour to make the process as simple and efficient as possible. We prefer all exchange requests to be made with in 7 days of receiving your item and is returned within 14 days.Please contact us prior to returning or exchange any items for instructions.In case of refund or exchange the purchaser will be responsible for any shipping costs.We will be happy to make exchanges for sizing issues, defects in workmanship or garment as long as the item is in the same condition (new, unworn and unlaundered) as it was shipped.Please check for fit before washing.Check our sizing chart on the item page before ordering.INTERNATIONAL ORDERSWe cannot issue refunds for items abandoned, not claimed or refused at customs.We regret we cannot refund or exchange any custom orders once it has been placed due to the additional work required for these.DAMAGED ITEMSIf an item was damaged by our fault, prior to shipping, please send a photo of the item and damaged area with your request for exchange or refund, Please note that shipping fees are not refundable as they were used to ship the item to you, but contact us and maybe we can work something out.
We operate 7 days a week, however there may be slight delay in responding to your request due to outside factors. Please note that we endeavour to show items in the best light and with the most accurate colour match. However some variations may occur due to variations in monitors. Also slight variations when seen in person are possible.If you have any questions please feel free to contact us, and we will endeavour to answer them as quickly and thoroughly as possible.


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Stephanie Mahoe is a fitness model and her measurements are 34D-26-35. She is probably best known for earning the title 2011 Maxim Hometown Hottie. She competed in fitness categories 10 times in 2013 and seven of those resulted in Top Three placing, with three first place victories.
Stephanie Mahoe was born in Honolulu, Hawaii and was an only child, though she said she has "several 'sisters' I have chosen." She is a mix of Portuguese, German and Scottish ancestry.
Stephanie Mahoe got into fitness because she always had a passion for it. "I played a lot of sports in high school and have always been active." She used to look at models in fitness magazines and say, "I want to look like THAT." "I think the fact that I love to challenge myself is the main reason I found myself in love with this industry."
Her first job was at a gym and then she became a personal trainer. She also studied anatomy and nutrition, among other disciplines in college, and was originally going to become a physical therapist.
Generally, Stephanie Mahoe works out 6 days a week, twice a week, with Sunday as a rest day. Her favorite exercises are squats. She gets a lot of compliments on her legs and butt. As for dieting, she said, "Diet has to be clean but it can still be fun." Her holiday tip includes chewing gum. "When I have something in my mouth I am less likely to nibble on things that are in front of me." Her favorite bodybuilding meal is steak and sweet potatoes.
She shared that backstage in competitions, it smells. "So many amazing bodies, but ProTan just doesn't make us smell pretty."
Stephanie Mahoe thinks what makes people successful is a strong mind. "A strong mind is what keeps us pushing forward when we want to quit." A bit of trivia: her dream travel destination is Australia or Fiji.
Related: Sexting Examples For Every Type of Person.
She also has a pre-teen son. "I'm sharing [that fact] because I hope that it inspires women who may be struggling to get their bodies back after having kids." Stephanie Mahoe, per her Twitter, resides in Florida, though another website says she resides in Portland. No matter where she is, we wish her well.


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A New York man who's the surviving partner in a same-sex marriage is legally entitled to inherit his late husband's estate, an appeals court ruled today.
In a unanimous decision, a four judge panel of the state Appellate Division upheld a 2009 ruling by Surrogate's Court Judge Kristin Booth Glen recognizing Craig Leiby as the primary heir of Ken Ranftle's multimillion-dollar estate. The couple, who'd been partners for 20 years, had gotten married in Canada five months before Ranftle died.
Glen's ruling was challenged by one of Ranftle's brothers, Richard Ranftle, who argued that recognition of the same-sex marriage "violated public policy in New York."
The appeals court disagreed, noting that New York "recognizes as valid a marriage considered valid in the place where celebrated," with very few exceptions — and "same-sex marriage does not fall within" those exceptions.
Ranftle, a former IBM exec, was the oldest of five brothers, four of whom were gay, his death notice said.
In his will, he left bequests to his three surviving brothers, including Richard, and to a goddaughter, with everything else going to Leiby.
Richard was looking to challenge the will, but would have legal standing to do so only if Ranftle was unmarried at the time of his death.
Lawyers for the estate and Richard Ranftle did not return calls for comment.
Ranftle, 65, and Leiby tied the knot in Montreal on June 7, 2008. Ranftle died in his husband's arms five months later after suffering a heart attack.


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Rickey's Hair Care Center is located at 852 Hamilton St, Somerset, NJ. This business specializes in Barbers and Beauty Salons.


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Sir Robert Atkins, Conservative MEP who instigated the European Parliament's special committee of inquiry into the collapse of Equitable Life in 2006, has said the government's decision to heed the calls of MEPs and the UK's Parliamentary Ombudsman by providing compensation is 'too little, too late'.
Sir Robert said: "The European Parliament's report was highly critical of the undeniable failures of supervision and regulation in Equitable Life. Despite sending our report to the government almost two years ago, we never had the courtesy of a response.
"The way this government has treated Equitable savers just goes to highlight once again that it does not value those responsible people who put money away for their retirements. Chancellor – and now Prime Minister – Gordon Brown has fought tooth and nail to avoid any responsibility for the gross regulatory incompetence that has characterised this financial scandal.
"Many families will have to fall back on savings as the recession bites, but for around a million policyholders at Equitable Life, that may not be possible. Savers have waited the best part of a decade now for proper redress and while the government is right to be offering some compensation, this will be seen by many savers as too little, too late."
The Government has agreed to pay some compensation to those who were disproportionately affected.
The European Parliament's committee was established on behalf of the one million policyholders who lost savings. Its report blamed regulators who were lamentably deficient in supervising, investigating and regulating the company's operation. MEPs have yet to receive even an acknowledgement by the government of their report.
Vince Cable, Liberal Democrat shadow chancellor, said the Government must instigate a fast-track compensation scheme to rectify this festering injustice quickly. He added: "We welcome the Government's apology and its grudging acceptance of a compensation scheme, but this fiasco has shown the Government at its most shabby and disreputable. Many policyholders have died while ministers have dragged their feet.
"The endless delays by Labour have managed to transform a story of maladministration by the previous government into its own abject failure. The Ombudsman's report is clear that there were serious failings by the DTI, the Government Actuary and the FSA.
"The Treasury has been desperate to avoid paying compensation, but its position has now been blown apart by the financial crisis. After bailing out both Icelandic and nationalised bank depositors, Equitable Life investors will not be able to understand why they are being treated less favourably.
"MPs from all parties are fearful that any payments may take years to arrive, be means-tested and become bogged down in complicated bureaucracy."
Policyholders Peter and Jane Hart from Dover said today's statement was 'a whole lot of nothing' and added that they have been devastated by their Equitable Life losses.
"The effects of actual and anticipated losses have caused me to sell a large house and move to a smaller property,'' says Mr Hart, 65.
"I lost £125,000 when I cashed in my with-profits bonds and my with-profits annuity has fallen from a high of £34,000 per annum in 2000 to £18,000 a year now. My pension is likely to continue to fall year on year and if I live until I am 85, I will probably be receiving less than £10,000 a year, which, with inflation, will mean next to nothing."
Mr Hart, said he is "appalled" that the government's announcement today did not answer any of his questions. He said: "They didn't say who they were going to pay, how much it would be or even when they would make the payments. I think this is typical of the contempt they have treated us with all along."
He added: "Two friends of mine who I recommended Equitable Life to have now died. Where is the justice for them?"
Equitable Life said: "The board welcomes the Government's apology. The society also notes the Government's acceptance of maladministration by public bodies in several areas.
"The board welcomes any approach to compensation that brings a swift but fair result and the appointment of Sir John Chadwick as an independent adviser to the Government. Equitable Life is anxious to assist Sir John Chadwick with his work.
"The society deplores the Government's rejection of the Parliamentary Ombudsman's clear recommendation that compensation be paid on an individual basis to everyone who has had losses caused by regulatory failure. The board welcomes early payment to those suffering financial hardship.
"However, the society rejects any suggestion that policyholders should only receive compensation in the event that they are suffering financial hardship and is seeking urgent clarification as to Sir John's precise terms of reference. The board does not understand what the minister meant by 'disproportionate impact' and cannot accept any means-testing.
"The Government wrongly continues to blame the society for losses which the Parliamentary Ombudsman has clearly attributed, in full, to maladministration. The society has long since made good the losses for which it was responsible.
Vanni Treves, Equitable Life's Chairman, said: "Today's announcement is a step forward in the long battle to win justice for the policyholders of Equitable Life. We welcome the apology that there was maladministration and regulatory failure.
"It is critical now that Sir John Chadwick begins his work immediately. We stand ready to give our support."


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Preheat oven to 375 degrees F.
Heat a large saute pan, add butter, and add the leeks and celery. Saute for 3 minutes and add the mushrooms. Cook until the mushrooms are tender, about 5 minutes and add the herbs and shallots, cooking for 2 more minutes. Add the stock and bring to a simmer. Season with salt and pepper, and pour over the bread crumbs in a mixing bowl. Mix well and cool.
Butterfly the turkey breast open with a sharp boning knife. Using a meat mallet, pound the meat to expand it and make it of an even thickness. Spoon the stuffing lengthwise across the breast and roll up, tucking in the meat at each end. Tie the roulade with butchers' twine.
Season with salt and pepper, and bake for 45 minutes to 1 hour, or until a thermometer reads 150 degrees in the center. Remove and allow to rest for 10 minutes before removing the twine and slicing. Serve with Cranberry Coulis.
Place the ingredients in a non-reactive saucepan and bring to a simmer. Cook until the cranberries have burst, about 20 minutes and transfer to a blender. Blend until smooth, season, and reserve.
This recipe was provided by a chef, restaurant or culinary professional. It has not been tested for home use.
Recipe courtesy of La Campagne, Cherry Hill, NJ
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