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National Security
Mix of booze and sex can spell trouble for military
WASHINGTON — It's often the toxic ingredient of a military rape allegation: binge drinking. Many times, the woman knows the man and was drinking alcohol with him. Lots of it.
As a result, she says she doesn't remember the entire encounter because she was drunk. Sometimes, she's not even sure herself whether she was sexually assaulted. The man says it was consensual. No other witnesses can say either way.
Determining what happened can be a challenge for the most experienced lawyer, let alone a jury.
"These cases are incredibly difficult to prosecute," said Teresa Scalzo, a veteran civilian prosecutor and the deputy director of the Navy's Trial Counsel Assistance Program.
"People tend to believe that sexual assault is a stranger jumping out of the bushes and using a lot of force. What we're dealing with on a daily basis is where do you draw the line between drunk sex and sexual assault?"
Under a 2006 law, the military can seek charges of sexual assault if the victim was "substantially incapacitated" from drinking too much alcohol. Judges and juries are told that means the victim couldn't "appraise the nature of the sexual conduct," communicate unwillingness or make competent decisions. The military defines that level of intoxication as "well above" drunk driving limits, but it doesn't say exactly what it is.
Military judges, meanwhile, have assailed the law that created the new definition as confusing and possibly unconstitutional.
Earlier this year, for instance, the U.S. Court of Appeals for the Armed Forces dismissed charges against Stephen Prather, an Air Force enlisted man who'd been found guilty of sexually assaulting a woman in a drunken encounter. The court concluded that the law had resulted "in an unconstitutional burden shift to the accused."
Making the legal decisions more complicated, the facts in such cases can seem so distorted by blurry memories that even military lawyers disagree over the right legal course.
In a 2008 case, the military pursued sexual assault allegations against Marine Capt. Nicolas Stewart even though a lawyer who'd evaluated the evidence recommended against it.
Stewart was accused of sexually assaulting a longtime friend while she was drunk. She'd had sexual relations with the Marine previously, but not intercourse.
In an emotional email, the woman confronted Stewart, saying she was upset about the encounter, but she added, "you probably did not mean any disrespect and thought that you were not crossing the line."
"I realize we have a past and we were both drunk but that does not give you the right to come into my bed without an invitation," she wrote. "I do not want you to think I am someone you can hook up with every now and then for fun."
Stewart, a fighter pilot at the time, apologized for crossing "the friend line" with the woman and worried that another woman he was dating would find out.
After she responded that he didn't seem to understand that she felt violated, he begged her forgiveness.
"Do you think I did something that I can't even bring myself to say, or do you think it was something that happened between two extremely drunk people?" he asked in an email.
"Please, please tell me that you don't think I was forceful with you. Although I can't imagine that I was, I can't remember."
The woman responded: "Do I think you came into my room and pinned me down and forced me to do things against my will? No, I truly do not. I can't even say I told you 'No' or that I even tried to push you away."
But she added: "In my eyes, I was asleep when everything happened. And you did not have my permission."
The woman later testified that the only reason she'd realized they'd had intercourse was that she recalled Stewart telling her they didn't use a condom and asking her whether she was on birth control pills.
Thomas Bowers, an attorney who reviewed the case for the military, recommended that the charges be dismissed because, he said, "reasonable grounds" didn't exist to believe that Stewart had sexually assaulted the woman. Bowers reviewed the case as the investigating officer during an Article 32 evidentiary hearing.
"This is a difficult case with many inconsistencies and many unknowns," he wrote.
Bowers said he didn't think there was enough evidence to indicate that the woman was "substantially incapacitated" under the law.
The only physical evidence that the encounter might have gone too far, he noted, was a copy of a photo of a purported bruise on the woman's leg. Bowers said it was "of no value" because it was of such poor quality and wasn't taken by investigators.
"There are no winners in this matter," he said. "I believe a degree of trust was broken, that a friendship was forever changed or shattered and that both parties have significant remorse for their actions."
Pressed by the woman's parents to take legal action, Stewart's commander sent the case to a court-martial to let a jury decide.
In 2009, Stewart was convicted. The military jury sentenced him to two years in prison and discharged him from the Marines.
The case remains unresolved, however. Next year, the U.S. Court of Appeals for the Armed Forces will hear Stewart's appeal, which includes questions about the constitutionality of the law.
(Tish Wells contributed to this article.)
Do conflicts among Marine lawyers put justice at risk?
Many death sentences in U.S. military overturned


text: Back Zinc Other name(s): zinc gluconate, zinc sulfate General description Zinc is an essential trace element. It is almost as plentiful in the human body as iron, and is concentrated in the eyes, brain, pancreas, kidneys, liver, and adrenal gland. In 1956, it was recognized as an essential nutrient. Zinc is necessary for insulin to work effectively, and is involved in protein and DNA synthesis. Bone and teeth need zinc for proper mineralization. Zinc is necessary to prevent birth defects. Zinc functions in the exchange of carbon dioxide between the lungs and the blood stream, and appears in enzymatic functions in the liver and intestine. Medically valid uses Zinc is not widely used to treat any medical condition except deficiencies that are associated with malnutrition and/or malabsorption disorders. Unsubstantiated claims Please note that this section reports on claims that have NOT yet been substantiated through scientific studies. Zinc is believed to aid in wound healing, maintain normal levels of vitamin A, and improve immune system function. It is also claimed to maintain normal oil-gland function, improve sex drive, and slow the aging process. Zinc is also claimed to shorten the duration of the common cold. However, not all studies have repeated this finding. Recommended intake As indicated below, zinc is measured in milligrams (mg). The RDA is the Recommended Dietary Allowance. Group RDA Infants (0 to 1 year) 5 mg Children (1 to 10 years) 10 mg Boys (11+ years) 15 mg Girls (11+ years) 12 mg Pregnant women 15 mg Breastfeeding women (1st 6 months) 19 mg Breastfeeding women (2nd 6 months) 16 mg Zinc preparations are available in a wide range of doses. Zinc supplements come in two primary forms: zinc sulfate and zinc gluconate. Zinc sulfate contains higher concentrations of zinc (23 percent per 100 mg) than zinc gluconate (14.3 percent per 100 mg). When buying supplements, read the packaging carefully to ensure you are buying what you want to take. Take zinc with food to avoid stomach problems. Food source Nutrient content per 100 grams Oyster 161 mg Herring 111 mg Turkey meat 13.8 mg Wheat germ 13.8 mg Yeast 9.9 mg Molasses 7.9 mg Soybeans 6.9 mg Chicken meat 4.8 mg Whole wheat bread 2.7 mg Eggs 1.3 mg Down syndrome, some anemias (including sickle cell and thalassemia), and acrodermatitis enteropathica, an inherited condition that affects the skin, hair, and intestinal tract, increase the need for zinc. Other reasons for increased need include extensive burns, diabetes, prolonged stress or trauma, and chronic use of diuretics. Malabsorption syndromes may also cause increased need for zinc. These syndromes may include Crohn's disease, tropical and non-tropical sprue, celiac disease, cystic fibrosis, ulcerative colitis, and disorders that lead to a pancreatectomy (surgical removal of all or part of the pancreas). Intestinal parasites can also increase the need for zinc supplements. Alcoholism, cirrhosis of the liver, and eating disorders (such as anorexia and bulimia) can also increase the need for zinc. Women who are pregnant or breastfeeding may need to take mineral supplements, but must consult a physician before doing so. Acrodermatitis enteropathica, a disease of infants characterized by hair loss, diarrhea, and dermatitis, is a rare, inherited disorder associated with abnormal zinc metabolism. This condition is treated by providing zinc supplements. Zinc deficiency in adults can lead to iron-deficiency anemia and pigmentary changes in the skin. It may also lead to loss of sense of smell, changes in taste perception, anorexia, hair loss, and diminished immune system function. Moderate zinc deficiencies may lead to decreased testicular function in men. Other symptoms include liver enlargement, impaired mental function, rashes, skin lesions, mouth sores, inflammation of the eyelids, infection of the skin around the fingernails, and impaired healing. Side effects, toxicity, and interactions Toxicity has not been observed from exposure to zinc in normal dietary sources. Foods cooked in galvanized (zinc-plated) cookware can cause gastrointestinal upsets. Amounts of 2 or more grams of zinc will produce zinc toxicity. Symptoms of toxicity include drowsiness, poor memory, impaired motor skills, nausea, vomiting, and diarrhea. People with a copper deficiency should use zinc with caution because it can induce or worsen copper deficiency. A chronic intake of large amounts of zinc can result in a copper deficiency because it competes with copper absorption. Some foods including bran products, protein, and phytates (found in plants and seeds) may decrease zinc absorption Red wine and lactose in milk aid in zinc absorption. Additional information Infants absorb zinc from breast milk extremely well. Breast milk has a zinc-binding enzyme that enhances the ability of infants to absorb zinc through the intestine. Supplements may cause an unpleasant metallic taste in the mouth. Click here for a list of reputable websites with general information on nutrition.

subset: commoncrawl


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HelloSign + FreshBooks New Integrations
In a matter of minutes and without a single line of code, Zapier allows you to connect HelloSign and FreshBooks New, with as many as 64 possible integrations. Are you ready to find your productivity superpowers?
It's easy to connect HelloSign + FreshBooks New and requires absolutely zero coding experience—the only limit is your own imagination.
Triggers when a signature request is signed (requires a paid API plan for non test_mode requests).
Sends a HelloSign template out for signature request.
Triggers when a signature request is sent (requires a paid API plan for non test_mode requests).
Creates an Invoice.
Triggers when a signature request is viewed (requires a paid API plan for non test_mode requests).
Creates other income (i.e., income that doesn't require an invoice and is received through other means).
Triggers when a new client is created.
Update an existing invoice based on invoice number. Optionally create a new invoice if one does not exist.
Triggers when a new payment is created.
Creates a new client.
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Barbara McClellan
Barbara McClellan has covered the international auto industry for Ward's since 1997, specializing in business strategy, with extensive travel throughout Asia. She also writes about alternative fuels and environmental issues. She retired in September 2013 after serving as Editor of WardsAuto.com for 11 years and currently contributes freelance stories and blogs.


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Everton goalkeeper Jan Mucha pondering future options
Jan Mucha's agent has met with David Moyes for talks about what to do when his Everton contract expires in the summer.
By Vasek Kadlec
Last Updated: 22/03/13 2:24pm
Mucha, who arrived at Goodison Park in the summer of 2010, had to wait until earlier this month to make his Premier League debut as he covered for the injured Tim Howard.
He has now played in three consecutive games and performed well, but will be a free agent at the end of the season and is allowed to speak to other clubs.
The Slovakian's representative, Jozef Tokos, told sport.aktuality.sk: "There are a number of options at the moment.
"He may reach an agreement with a new club during the season, which is legitimate according to FIFA. At the moment I cannot say more than that there are clubs interested in him. Naturally, he can make an agreement after the season as well.
"As for Everton, there is no chance an agreement will be made during the season. It is publicly known that the current manager David Moyes, announced that he would not yet sign an extension and that the club would be negotiating it only after the season.
"I had a very useful meeting with Mr Moyes last week but at the moment I cannot reveal anything about what we discussed."
Mucha has helped Everton to Premier League wins over Reading and Manchester City in recent weeks and is hopeful they can finish the season strongly, although he was hurt by the shock FA Cup loss to Wigan Athletic.
The goalkeeper said: "I'm glad that I've got a chance to be in goal. There have been positive reviews on my performances but I'm most satisfied about the fact that we won both league games.
"The bad FA Cup fixture will make me sorry for a long time yet but, on the other hand, it's nice to look at the Premier League table.
"We are quite high and close to the Champions League qualification spots. There are not many games left to be played in this season, so I believe we will manage to stay there."


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I love Bruno Mars...he is the sexiest man i have ever seen! :) If you dont love Bruno, your offically crazy!!! hehehehe(: i llove Bruno till the end!!!
I love you JUST THE WAY YOU ARE
I wanted to spend with you OUR FIRST TIME
I want to MARRY YOU
Together TALKING TO THE MOON
You can always COUNT ON ME
ohhhh and btw...''FUCK ALL YOU HATERS OUT THERE HATING ON BRUNO MARS 'CAUSE BRUNO MARS IS THE MOTHERFUCKIN TRUTH'' hehehehehe i love this!
oh yea... BOCK WIT ME(:


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South Africa - Property Locations
Many who move to South Africa do so to be along the coastline and in the big cities. These include Johannesburg, Durban, Cape Town, East Rand and Pretoria.
Johannesburg, the largest, has more than three million people calling it home. Numerous suburban areas surround the city.
Cape Town offers a more diverse culture, as the country's capitol, and boasts a stronger economy.
Living as an expat in any of the larger cities mentioned often means:
- You live in the downtown area in a city apartment or flat.
- If you want to live in a suburban area, you might own a small portion of land surrounding your family home.
- If you want to live in a villa you will typically do so in one of the upmarket communities just outside of the city.
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At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.
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Yamaha RX-A870 £599 Aventage 7.2 Titanium Dolby Atmos Receiver Wi-Fi/Bluetooth built in with MusicCast, 4K pass through and AV Controller App support.
. . . . . . save £400 off our list price . . . . .
Three other models are available: Yamaha RX-A1070, Yamaha RX-A2070, Yamaha RX-A3070
Highest performance AVENTAGE AV receiver supports Dolby Atmos and DTS-X playback with CINEMA DSP HD3 and offers many outstanding features for an unmatched 3D AV experience, high 64-bit precision EQ calculation YPAO, super-high quality ESS DAC and Zone 2 audio processing.
Intelligent Amp Assign
Intelligent Amp Assign automatically assigns amplifier channels to certain speakers, depending on what functions are selected. For example, in a 9.1-channel system, when Zone 2 is off, all 9.1 channels will be used in the Main Zone. However, when Zone 2 is on, power to the two Surround Back channels will be directed to the two speakers in Zone 2, and the Main Zone will receive 7.1 channels of power. Similarly, when CINEMA DSP 3D is on, the two Rear Presence speakers will be powered and not the two Surround Back speakers. When CINEMA DSP 3D is off, this situation is reversed. Thanks to Intelligent Amp Assign, there's no need to switch the speaker cables on the rear of the receiver—one more way Yamaha makes your life a little easier.
Easy setup with your smartphone/tablet
Use your smartphone or tablet together with the MusicCast CONTROLLER app to operate the speaker and change settings quickly and easily. The same Controller app functions as a remote control for all your MusicCast-compatible devices too.
USB Digital Connection for iPod, iPhone and iPad on the Front Panel
A USB port on the front panel allows convenient connection of an iPod/iPhone/iPad, which also charges when connected. Because the digital signal from the iPod/iPhone/iPad is transmitted directly to the AV receiver, there is no signal loss or interference, so you enjoy the best possible sound quality. In addition, you can use the receiver's remote control unit to operate the iPod/iPhone/iPad music playback functions.
Extensive Audio Codec and Format Support
This AV receiver is compatible with many audio formats such as Dolby True HD and DTS-HD Master Audio. It is also compatible with high resolution audio codec such as FLAC/WAV/Apple Lossless. You will enjoy excellent sound quality from a Blu-ray Disc and other types of high resolution sources
Phono Input for Vinyl Playback
This AV receiver provides Phono input terminals. Connect a turntable and you can enjoy music from your vinyl collection.
Gapless Playback Compatibility Allows Play without Interruption
No intermissions. Many live and classical albums have no gaps in the music. Gapless playback ensures that there are no pauses between audio files. This provides playback with no interruptions, the way it was meant to be heard.
YPAO™- R.S.C. (Reflected Sound Control with Multipoint Measurement)
Sound optimized. YPAO-R.S.C. analyzes the room acoustics and measures various speaker characteristics, then calibrates audio parameters to achieve optimum sound at any of eight listening positions. It employs Reflected Sound Control to correct early reflections for studio-quality sound. It also provides DSP Effect Normalization, which varies the CINEMA DSP parameters according to the reflected sounds.
Virtual Presence and Surround Back Speakers
Be virtually surrounded. The Virtual Presence Speaker function makes full use of center and surround speakers to create virtual presence speakers. Enjoy CINEMA DSP 3D Mode surround sound even in environments where speaker installation is limited. In addition, This model also features a Virtual Surround Back Speaker function. Even without using surround back speakers, you can experience more natural sound from behind you
Virtual Cinema Front
Enjoy virtual surround sound. Even when it is impossible to install surround speakers behind the listening position, Virtual CINEMA DSP reproduces virtual surround sound filled with realism, from only front speakers. The Virtual CINEMA FRONT feature lets you place two surround speakers and a center speaker at the front to enjoy virtual surround sound with even higher quality and resolution, as well as superior rear virtual sound localization. Adding two additional front presence speakers provides a three-dimensional sound field that gives you a feeling of its height and depth and of the vertical movement of the sound. You get more flexibility to arrange your speakers inside the room, along with easy enjoyment of high quality surround sound.
Rich Bass Reproduction
Feel your lows. This exclusive low-range enhancement technology delivers richer bass than you would expect from smaller sized speakers while maintaining good localization and sound balance even with compact front speakers. When a subwoofer is used, it improves the volume of the entire low range of the speaker system, not only the front speakers, but also enhancing the bass from the subwoofer. You'll enjoy video and music with sound that has exceptional power and presence.
Subwoofer Trim
Improved sound imaging. The Subwoofer Trim Control enhances the low frequencies by avoiding overlap with the front speaker output. This will result in a cleaner, more focused soundstage while providing a seamless frequency response. When subwoofer frequency overlap occurs in conventional systems, the overall sound is "pushed" toward the subwoofer. Subwoofer Trim Control takes care of this by separating the low subwoofer frequencies cleanly, thus stabilizing the front stage while providing a well-balanced enhanced bass sound.
Zone Extra Bass for Added Bass in Zone 2
Use the Extra Bass feature to amplify bass tones, not just in your main room but also on systems in Zone 2. Even with compact or in-wall speakers which typically lack bass, you'll hear all your sources with powerful bass sound.
Zone Volume Equalizer for Optimum Sound Balance in Zone 2
Automatically adjusts bass and treble balance to match the volume on systems in Zone 2. Enjoy movies and music with a natural sound quality balance even at low volumes.
Advanced Graphical User Interface
Multilingual user interface. The latest graphical user interface from Yamaha has a high-resolution display with clear, easy-to-use menus and also includes a selectable status bar that shows input source, volume level, DSP mode and audio format. The GUI provides a choice of eight languages: English, French, German, Spanish, Italian, Russian, Japanese and Chinese and can be displayed over both normal and 3D pictures.
AV Install Guide
Install with ease. The AV SETUP GUIDE makes it much easier to perform the set up process with the Yamaha AV receiver. This app assists you with cable connections between the AV receiver and source devices. Additionally, it guides you through various settings such as speaker connections, TV and source device connections and power amplifier assignments. System illustrations and actual AV receiver images help you understand how to make the connections between devices. It is available in multiple languages and is designed for iOS and Android tablets.
Extra-convenient SCENE PLUS
Save your favorites. The SCENE PLUS function simplifies operation by providing one touch power-on along with selection of the desired source and the appropriate DSP programs. SCENE PLUS offers a choice of 12 SCENE selections, four of which can be assigned to the second zone in a multi-zone system. SCENE PLUS can be selected from the front panel, remote control, GUI and even from the AV Controller App.
Input/Output Connections:
|Digital Audio i/o
|x8 Input
x1 Input
|x1 Input
|x2 Optical In
x5 L/R In
x1 Phono In
Zone 2 L/R
|x1 Out/In
12V Trigger
x2 Out
|x2 Output
|x2 Coaxial In
SW Pre-Out x2
|LAN 10/100 MB/s
|x1 iPod/iPhone/iPad
|Headphones In
|IR In/Out
|x1 USB Host


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The Blue Medora NetApp Plugin for New Relic allows you to monitor your NetApp performance data from within the New Relic platform by pulling metrics in from the system and displaying them in a set of intuitive, graph-based monitoring dashboards.
Insights Enabled - Dive deep and correlate any of your data using New Relic insights. Use NRQL queries with any of the hundreds of metrics Blue Medora provides to create custom data apps to ensure your environment is healthy at all times.
Performance is Key - don't let the bottleneck be a mystery. Use key performance indicators to ensure you get the best performance out of your IT stack.
Fully Supported - Having an issue? Blue Medora fully supports all of our plugins and ensures Day 0 compatibility with all of our monitored technologies. Our support team is happy to jump on and help you with anything that may arise.
Before installing and configuring the plugin, ensure your system meets the following requirements:
New Relic Requirements - A New Relic account
NetApp Plugin Requirements
NetApp OnCommand ApiServices: NetApp OnCommand API Services version 1.0 or 1.1 is required to collect data.
A Blue Medora License. A trial license will ship with the plugin that is valid for 14 days. To obtain a production license or get pricing information for the plugin, please contact email@example.com.
By installing and/or using this plugin, you are agreeing to the terms outlined in the End-User License Agreement. Terms located in the "eula.txt" file of the plugin.
This plugin can be installed one of the following ways: - Using the New Relic Platform Installer - Installing the Plugin Manually
Refer to the Plugin's README file on Github for information on installing this plugin:
True Visibility Suite
This Plugin is part of the True Visibility Suite for New Relic. To learn more about how you can monitor your entire environment visit us at www.BlueMedora.com/tryNR
For questions or issues regarding the Blue Medora NetApp Plugin for New Relic, visit https://support.bluemedora.com.
The NetApp Storage plugin extends the power of New Relic's monitoring capabilities.
Get This Plugin
Already have a New Relic account? Log in and begin using this plugin.


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WisdomTree Dividend Index: Dividends Set New Record and Apple Added for the First Time
WisdomTree conducts an annual rebalance of its U.S. Dividend Index family every December, with the annual screening date occurring on the last trading day of every November. This rebalance provides a plethora of data about how dividends for the U.S. equity markets have changed over time. Below are key highlights, but for full details on this year's rebalance, you can read more here. Key Features: • New Record Dividend Stream: 2012 marks the third consecutive year of double-digit growth for the dividend stream of the WisdomTree Dividend Index ("U.S. dividend stream"). Remarkably, the cumulative decline of more than 23% from November 30, 2007, to November 30, 2009, has been erased, and November 30, 2012, marks the setting of a new record high that is approximately 14% greater than the mark set November 30, 2007. • Ex-Financials vs. Financials: As of November 30, 2012, the U.S. dividend stream for the nine sectors excluding Financials more than 42% higher than the level seen on November 30, 2007. Financials, on the other hand, are still nearly 43% below their November 30, 2007, levels. • Tech Titan Growth: Information Technology sector dividends have grown a remarkable 172.18% since November 30, 2007. At the prior peak, this sector comprised only about 5.6% of the dividend stream, whereas now it comprises more than 13% and is the third-largest dividend-paying sector behind Consumer Staples and Financials. • More Diversified Dividend Stream: On November 30, 2007, approximately one-third of the U.S. dividend stream came from the Financials sector. As of the new November 30, 2012, peak, the Financials sector comprises only about 16.7% of the U.S. dividend stream, and no single sector comprises more than 20%. • Dividends Despite Tax Uncertainty: Even though the potential tax policy and specific tax rate on dividends remain uncertain for 2013, there was widespread dividend growth across the market. For instance, of the 20 largest dividend payers in the United States, 19 raised their indicated dividends per share over the prior 12 months, and one, Apple, Inc. (AAPL), initiated a dividend1. Largest Dividend Initiators (Additions) to the WisdomTree Dividend Index (WTDI) The November 30, 2012, rebalance screening makes it clear that the U.S. dividend stream has grown significantly, and one reason for that growth is the increased number of companies paying dividends: • Dividend Payer Coverage of Market Increasing: As of November 30, 2012, the S&P 500 Index had over 88%2 of its constituent weights in dividend payers, signifying that dividend payers constitute a very large component of this widely referenced index of U.S equity performance. • There were 124 additions to the U.S. dividend stream this year, and they contributed an increase of about $17.3 billion. Over 50% of this increase comes from Apple, Inc. (AAPL)—the third-largest contributor to the dividend stream behind only Exxon Mobil (XOM) and AT&T (T) at the November 30, 2012, screening date. Valuation Impact One of most popular questions of 2012 was, "Are dividend-paying stocks expensive?" The WisdomTree rebalance is designed to adjust weights on a concept of relative value. We examine the overall market valuation characteristics of the broad dividend-paying U.S. equity market (WisdomTree Dividend Index) as compared to the broad U.S. equity market, defined here as the Russell 3000 Index. This analysis showed: • The WisdomTree Dividend Index (WTDI) Exhibits Lower Price-to-Earnings (P/E) Ratios: Ultimately, in 9 of the 10 sectors, WTDI exhibited lower P/E ratios than the Russell 3000 Index, with Financials being the lone exception. • Price-to-Cash Flow Ratio: In 9 of the 10 sectors, WTDI exhibited lower price-to-cash flow ratio than the Russell 3000 Index. • This valuation analysis shows that while certainly there are exceptions to this on an individual stock basis, in aggregate we do not find evidence that dividend payers have become expensive compared to the broader market. Conclusion The WisdomTree annual rebalance is a key element of the added value of WisdomTree's Index methodology. We interpret this year's aggregate 16% dividend growth of the U.S. dividend stream as a very positive indicator of underlying market fundamentals—that companies, despite ongoing tax uncertainty going into 2013—still managed to grow their dividends. AAPL was an example of a very large-scale initiation. It is at each annual Index screening and rebalance that WisdomTree engages in a disciplined process to adjust weight based on changes in relative value—specifically the measure of relative value implied by the relationships of price growth versus dividend growth. The newly refreshed weights and constituents of WisdomTree's U.S. Dividend Indexes thus provide important benchmarks for gauging the performance of different cross-sections of the U.S. dividend-paying universe. WisdomTree's Jeremy Schwartz and S&P's Howard Silverblatt discuss the current trends in technology companies paying more dividends. Hear the podcast. 1Refers to the 20 largest payers of indicated dividends in the WisdomTree Dividend Index, which also comprise the 20 largest Index weights. 2Bloomberg, as of 11/30/2012.Read More


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I was asked to make 6 dozen of these yummy treats for a Christmas Party at our church. Six dozen of anything is a big project! They were a delicious melt in your mouth confection. Just don't make 6 dozen--that is a lot of powered sugar rolling.
Can't wait to try the chocolate version--maybe with almonds. Yum!


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Queensland Police have made what is believed to be the states first bitcoin-related arrest.
Police say about $110,000 worth of the digital currency was in the possession of Kingaroy man Shane Duffy, who is accused of hacking a US-based gaming network and selling player information to the highest bidder.
Bitcoin, a borderless digital currency, is often used instead of traditional cash methods online but is becoming more commonplace in mainstream business. Bitcoin values are known to fluctuate dramatically, with 1 coin currently worth about $616.
Police allege Mr Duffy hacked the League of Legends game network database between July 14 and July 26 last year, where he was able to acquire the IP addresses of players and sell them online.
Mr Duffy, 21, was arrested on Tuesday in Hervey Bay by Maryborough police and officers from the Fraud and Cyber Crime Group and charged with possessing tainted property.
He was already out on bail for alleged fraud and computer hacking charges relating to the League of Legends matter, and police claim some of the bitcoins he allegedly possessed were payment for selling the player information.
By purchasing the IP addresses, players could potentially launch denial-of-service attacks on rivals computers to slow connection speeds and hamper gaming ability.
Investigators also allege Mr Duffy hacked the gaming networks Twitter account and posted confidential information and screenshots.
However in March, Mr Duffys mother said her son - a self-taught computer whiz with Asperger's Syndrome - was not responsible for the hacking.
Shanes capable, but then the information he had and accessed was freely available on the internet. Somebody else has thrown the database out there, she told News Corp.
Police also charged Mr Duffy with breaching his bail conditions around internet usage and keeping them informed of his residential address.
Mr Duffy has been bailed again and is due to face Hervey Bay Magistrates Court on July 24.
Detective Superintendent Brian Hay from Queensland Police's Fraud and Cyber Crime Group said he expected bitcoin-related crimes to increase.
This is the start of the future. We know that theyre heavily used in the dark markets by cyber criminals. It provides a cloak of anonymity, it sits outside the standard reporting regime and banking structure, he said.
This is a challenge every law enforcement agency in the world has to stand up and meet. Its going to afford us significant challenges and it is not an easy matter to follow.
Brisbane Times.com


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by AJ Johnson
Held in Wisconsin's capital city of Madison, IRONMAN Wisconsin is a popular course with incredible crowd support. The single-loop, mass-start swim in Lake Monona is easy to navigate, calm and wetsuit-legal. The scenic bike course tests every athlete with its seemingly endless rolling hills. (A tuned rear derailleur is a must if you want to have a successful day on this course!) The race finishes with a two-loop run featuring more of the same: healthy doses of hills and cheers.
Now in its 11th year, this event has proved itself as an athlete favorite, as many keep returning to take on its challenge. (I have raced the event three times, including its inaugural year in 2003—also my first IRONMAN.) Like most IRONMAN events, the right strategy and proper execution on race day usually make the difference between finishing well and just finishing. Here's a look at how you can take on Wisconsin and have a great race.
The swim start at IRONMAN Wisconsin is a deep water, mass start in Lake Monona. Athletes enter the water and swim out to the start line, then tread water until the gun goes off. With a one loop swim and plenty of room, things spread out quickly. With water temperatures typically in the high 60's to low 70's, the swim is wetsuit legal.
IRONMAN Wisconsin has the most unique transition on the IRONMAN circuit. The bikes are staged at Monona Terrace, designed by Frank Lloyd Wright, and athletes run up the helix along the side of the building to reach their bikes. While it's a long, uphill run, the spectators along the way are lifesavers. Athletes enter the building and grab their gear bags before entering a ballroom where the wetsuits come off and the cycling gear goes on. Once changed, athletes grab their bikes before circling down the other helix and onto the course.
The bike course is the shape of a lollipop with athletes riding 16 miles out of Madison, riding two 40-mile loops, and then returning to Madison. The course is rural, with great views of expansive farms and rolling hills. Speaking of hills, that is the overall theme of this course. There is no single long climb to worry about, it's the relentlessness that will tax everyone's legs. With almost 3,000 feet of elevation gain over the 112 miles, setting and following a pacing plan, especially early on, is critical. On a course like this, it's easy to spike your watts, but doing so will leave you drained for the later miles.
A key indicator of a steady ride is your Variability Index (VI). The VI shows if you rode steady and even, or if you had spikes in your power. Standing up and hammering the hills takes much more energy than trying to ride smoothly over them. Over the course of 112 miles, repeated bursts will wear you down much faster than the smooth and steady approach. Shoot for a VI of 1.05 or less. If possible, find a course that mimics the Wisconsin's terrain, then work on maintaining a steady power output. Stay seated for most climbs and work on keeping your cadence above 90 rpm. Don't be concerned about your speed; stay focused on keeping your watts and/or heart rate in check. If that means the speed is 10 mph, so be it. Using speed as your guide, especially on hilly courses, is a common and costly mistake.
You can also use the Intensity Factor (IF) to dial in your pacing and effort for race day. Your IF is based off your Functional Threshold Power (FTP), or what you can sustain for one hour—it's critical that your FTP be up to date. A typical age-group athlete should aim for an IF of around .70, which will leave enough in the tank for the run. If you are a first-time IRONMAN athlete or don't feel confident in your run, back your IF down to .65. Remember, triathlon is not three sports put together, it's one sport. The strategy that gets you to the finish line fastest is the best one.
Don't just take my word for it: check out my file from IRONMAN Wisconsin in 2007. In my training and during the race I was using a power meter, but not effectively. Despite this being my 10th IRONMAN, I went out hard from the start. In the first 56 miles I had a VI of 1.07 and IF of .85, which is way too hard. I paid for that on the second loop, and due to the need for more recovery on the downhills, my VI for the second half of the bike skyrocketed to 1.11. My IF dropped to .69, showing that I was indeed cooked.
Athletes ride up the aforementioned helix to finish the bike, jump off, and head into the Terrace to don their run gear. They then run out of the top level of the terrace to start the run. The two-loop course goes through downtown Madison and the University of Wisconsin campus, and along State Street. Like the bike, the marathon has hills to keep things interesting.
The key to a good run is a well paced bike (see above). If you've left enough in the tank you can, and will, have a solid run on this course. Here, too, a conservative start is best. Take it easy for the first two miles to make sure you are hydrated. Build into your effort and find your legs. The only steep climb is up Observatory Hill at miles 5 and again at 18. Don't be afraid to walk here—it's short, but trying to blast up it will take a physiological toll.
You can look forward to running through the U of W's Camp Randall football stadium, where artificial turf provides magical relief from the pavement. The rowdy crowds along State Street will offer you tempting food—try not to lose focus, but have fun too. Be ready to have to run by the finish line before turning around for loop two. Don't let this get to you. Remember, you are prepared for a full marathon and with the right pacing and nutrition you can meet your goals.
The weather at IRONMAN Wisconsin is unpredictable. The event has experienced both very hot and cold temperatures. Check the weather during race week, but come prepared for a surprises and have back-up plans: for example, if it's cold, you might need to take in more calories during the race. If the heat and humidity are high, tweak your hydration strategy. Be ready to make adjustments.
Want to learn more about training and racing with a power meter? Download the free e book, How to Start Training With Power
AJ Johnson is a power analyst at TrainingPeaks. He has raced 13 IRONMAN races, including the IRONMAN World Championship three times. He started using a power meter in 2005 and has analyzed files from the IRONMAN and IRONMAN 70.3 World Championships, as well as the Tour de France.


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Pending: Thai Thunderstorm
The air was still warm--but I still shivered as the sun set. It was a habit from years of living in northern climates where, the majority of the year, when the rays disappear, cold sets in. But in Thailand, it was different. It never got cold. It was always a constant warm that, during the daylight hours, thickened in the humidity. And it was more of a de-thickening of th humid air at night, but it never got below 80. And there I sat, with the warm air whipping through my hair as a the truck barreled down the two lane road. The normal glow of the sunset at this time was dashed by the dark and impending storm clouds coming from the north. It was like the clouds were chasing the truck. And they caught up. The first couple drops came down hard and fast. And the truck sped along faster. I was in the back, in the bed of the truck, with five other Thais, one of which was a young child. There were at least three Thais in the cab. I can't recall, the luke-warm beer can showed marks from my clenched fingers, even though I acted as care-free as possible. Afterall, this was a typicall night out. One last sip, that was all. Toss the can. The dark clouds seemed to push out a hyper orange from the skyline, like a concentrated citrus juice squeezed, pulp and all. My long hair, caught by the wind pulling off of the speeding truck, occasionally stun my face. I was on the opposite side of the world. I no longer was in the dirver seat. I wasn't afraid. I was alive.


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Blake Shelton, Team Blake Bring 'White Christmas' to 'The Voice'
While his wife Miranda Lambert was picking up an American Country Award in Las Vegas on Monday (Dec. 10), Blake Shelton brought a huge dose of Christmas cheer to the semi-finals on 'The Voice.'
Shelton performed a lush version of 'White Christmas,' aided by his semi-finalists Cassadee Pope and Terry McDermott, as well as other members of Team Blake who were eliminated throughout the course of Season 3 of the hit show.
It was angelic choir of contestants providing vocal support to the country singer, as fake snow fell on the stage, dotting his dark jacket. Shelton looked totally emotional as he delivered the final bars of the song in simple, but affecting, fashion.
We can't help but think the fact that he had assembled such a strong and viable team throughout the season might have something to do with the fact that he looked so serious. With Season 3 of 'The Voice' drawing to a close, it's a reflective time.
Shelton still has two horses in this race -- and likely the best chance of winning for a second season in a row -- so besides being festive and the implicit warm and fuzzy nature of the holiday season, he has plenty of reasons to celebrate and be merry.


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Alumnae welcome prospective women students at this informal gathering. Come share your MBA experiences, and feel free to invite women you know considering Chicago Booth.
Tico222 Berkeley StreetBoston, Massachusetts
Alumnae welcome prospective and newly admitted women students at this informal gathering. Join alumna host Amanda Venier, '05, and other graduates, as we share our MBA experiences in a casual atmosphere.
Please pass on the invitation to women you know who are considering business school. Prospective students can learn more at the Admissions Office web site: www.chicagobooth.edu/fulltime/admissions/events/diversity.aspx. Scroll down to your city.
Booth Women's Week is the eighth annual series of events hosted by alumnae in over 25 cities around the world from Bangkok to Washington DC, London and beyond. This initiative is unique to Chicago Booth and demonstrates the enthusiasm and reach of our alumnae community.
See you there!
No Charge
Register By Email
Alumnae, please RSVP with your name, graduating program and class, email, and Women's Week city. Prospective students, please send above for registration information. Thank you.
Deadline: 5/7/2012
Zina Markevicius, '02 CWIBAN President--
Since 2002, Chicago Women in Business Alumnae Network (CWIBAN) is the worldwide organization of women graduates of the University of Chicago Booth School of Business. Our mission is to support our alma mater, facilitate a global alumnae network online and in person, and support women in business worldwide. Visit our web site: www.chicagobooth.edu/alumni/clubs/cwiban/.
This event series is a partnership between CWIBAN, the Office of Admissions, and local Booth alumni clubs. To connect with your local Booth alumni club, visit the Alumni Clubs web site: http://www.chicagobooth.edu/alumni/clubs/.
The University of Chicago Booth School of Business |
University of Chicago |
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US Vice-President Dick Cheney has conveyed the Bush administration`s message to Pakistani President General Pervez Musharraf that the opponents of the possible invasion of Iran will no longer be treated as "allies".
Mr Cheney, who air dashed Islamabad on Monday last , on a one-day surprise visit held a two-hour-long meeting with General Musharraf and expressed his country`s concern over a peace agreement with the tribesmen in North Waziristan. Cheney claimed that cross-border infiltration had increased after the agreement.
Sources privy to Presidential House said that Mr Cheney also discussed a joint strategy to counter the purported Taliban spring operation in war-hacked Afghanistan during the meeting.
According to sources, Mr Cheney also brought the deputy director of CIA, who presented "proofs" to General Musharraf as regards regrouping and training Taliban inside Pakistan.
The sources quoted Mr Cheney as saying " Even without Pakistan`s support, the US forces are capable of taking military action against Iran through Afghanistan, Central Asia, and Gulf".
Here are some questions
1. Is an American invasion of Iran imminent?
2. What will be the choice for Pakistan in case of attack on Iran?
3. Should Pakistan provide logistic support to America for attacking Iran as it did in case of Afghanistan?
4. Will there be any internal reaction in case of Pakistan`s support to US adventure?
5. Do you agree with Musharraf`s contention that the whole world will have to face the consequences of attack on Iran?


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To discuss our tours and cruises, please contact your preferred Travel Agent. They are equipped with information to answer your questions and provide advice to help find the holiday that's right for you.
If you do not have a preferred Travel Agent, feel free to contact us via phone or complete the form below.


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The Stanley Cup took a sidetrip to New York City on Sunday, June 24, preparing for a day of media interviews with young Ducks' sniper, Ryan Getzlaf, the next day.
At oh-my-God o'clock early on Monday morning, the Stanley Cup met Ryan Getzlaf at the Time and Life Building offices of Sports Illustrated for Kids. After a tour of the offices and meeting mascot Buzz Beamer, Ryan and the Cup did an interview for the website (www.sikids.com).
Meanwhile, over at National Hockey League headquarters, Gary Bettman was in the midst of one of his regular chat sessions with staff. There, high above Manhattan on the 47th floor, the commissioner exchanges ideas with other employees. Without warning (wink, wink), Ryan burst into the boardroom with the Stanley Cup, and a delighted group gasped with excitement at seeing hockey's most prestigious trophy up close. Mr. Bettman invited the Anaheim star to put the Cup down and sit in on the meeting, and Getzlaf tried to describe what it was like to win an NHL championship and to achieve the dream of being a Stanley Cup champion.
The Stanley Cup was taken out of its case and many lunch-time patrons politely asked if they could see the legendary chalice.
When asked for the bill, the general manager replied, "Thank you very much, but there will be no bill for you today. Bring the Stanley Cup here and you don't pay at this restaurant!" Ryan, his girlfriend, the NHL staff and the Cup Keeper were most grateful for the generous and hospitality.
After stops at VH-1 and Daily News Live, the Stanley Cup was packed away for the
night. Meanwhile, Ryan and his girlfriend attended 'Late Show with David
Tuesday's start was a 9:15 AM visit to Sirius Satellite Radio. Ryan Getzlaf and the Stanley Cup dropped in on several shows, including 'The Opening Drive,' an NFL radio show featuring hosts Bob Papa, Randy Cross and Cris Carter. Then, Ryan had to have his arm twisted (but not very much) to go to Maxim Radio, where he visited with Bower, a guy who likes his women hot, his cars fast and his metal heavy. And, as the Stanley Cup weighs 34½ pounds or 15 ½ kilograms, hockey's championship trophy qualified!
Although he left the Stanley Cup safely on the ground, minded by the Keeper of the Cup, Ryan took a helicopter tour of the Big Apple. Upon his return, he collected the Stanley Cup and ate at the ESPN Zone Sports Bar.
To get there is no mean feat. The Stanley Cup flew from New York to Winnipeg on Tuesday night, then was driven across the Manitoba/Ontario border to Dryden, a four-and-a-half hour drive over 220 miles.
Although the area on which Dryden now sits was likely an aboriginal village, like so much of Canada, it took the railway to open up the area for settlement. As the Canadian Pacific Railway ran through the area, enterprising settlers with a sense of pioneer spirit built homesteads, and it wasn't long afterwards that a mill sprang forth and then gold was discovered in the area. Voila! A town was born.
Although traveling by plane and car now, and not gold but an equally rich treasure, the Stanley Cup arrived for the first time ever in Dryden, 'Ontario's leading small city,' where the Ducks' big defenseman was born in 1974.
His first stop was at the home of a friend living on Thunder Lake. This was a special stop, incorporated into the day's itinerary because his friend is facing a monumental battle. Although she had attended Games One and Two of the Stanley Cup Final, her struggle has increased. "I just wanted to share the Cup with her," smiled Chris.
At 1:30, it was off to the firehall, where a small entourage led Chris and the Cup through the streets of Dryden to the Dryden Regional Health Centre, where the big defenseman spent time with fans in the chemo unit.
Then, the cars drove from the hospital to the arena on Whyte Avenue, where a civic reception began at 2:30. More than 2,000 jammed into the Dryden Arena and Recreation Complex, where Chris first pulled on skates at the age of four and where he played until leaving home to join the junior Peterborough Petes.
After being led into the arena by a piper, Chris Pronger, carrying the Stanley Cup effortlessly over his head to the delight of locals who had been waiting anxiously for several hours arrived on the stage, the front of which was adorned with every hockey jersey he had ever worn.
Dryden High School, Chris's alma mater, then announced that his jersey #14, worn when Pronger was in Grade 9, was to be retired. But the biggest honour was when it was announced that the second pad of the arena was to be re-named the 'Chris Pronger Arena'. Even at 6'6" and 220 pounds, a moment like that softens even the toughest of warriors. "It's nice to bring the Cup home to the people you grew up with and who supported you all the years you played minor hockey and all the way up through the ranks," stated Pronger. "It's nice to see the smiles on their faces when you bring it back."
At 5:00, the day that participants had dreamed of for several years was brought to a conclusion. Chris Pronger's triumphant return to Dryden had been overwhelming for the Ducks' assistant captain, to say the least, but the Stanley Cup now had to be driven to Bemidji, Minnesota, a five-hour, 230-mile journey across the Canadian border into the United States.
Whether you're American or Canadian, Stanley Cup Journal hopes you enjoy your holiday. Come back safely on Tuesday to spend the day with winger Joe Motzko.
All Photographs are property of the Hockey Hall of Fame and may not be
reproduced without prior written consent. For more information regarding use of
our photographs please contact us.
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Latest media releases
UBS Art Award 2000 - Swiss finalists chosen
The Swiss finalists for the UBS Art Award 2000 have now been selected and will be taking part in the final round of the competition in London together with other young artists from ten different countries. The entries from the young Swiss artists will be shown to the public on 19 September 2000 at the UBS Training Center in Basel.
On 18 September 2000, the Swiss jury for the UBS Art Award 2000 selected the three Swiss finalists. The Basel-born Swiss artist Abu Hageb Tarek, Martina Gmür from the Valais and Christine Streuli from Langenthal go forward to the finals in London. Tarek and Streuli attend the Basel school of Art and Design while Streuli studies at the school of Art and Design in Zurich.
The UBS Art Award 2000 is aimed at students majoring in painting from leading art colleges in ten countries which were invited to take part in the competition. Three finalists will be selected in national heats held in each country, and these artists will go on to take part in the final on 7 December at the Whitechapel Art Gallery in London. The overall winner of the Award will be selected by an international jury presided over by the director of the Tate Gallery in London, Sir Nicholas Serota, and will take home CHF 30,000 in prize money. One national winner per country will also receive CHF 10,000. The paintings submitted for the final will be exhibited in the Whitechapel Art Gallery between 7 and 23 December 2000.
The Swiss participants in the final in London were selected by the Swiss national jury consisting of five members. These are Esther Grether, a patron of contemporary art from Basel, Professor Reinhard Hohl, former director of the graphics collection of the Federal Institute of Technology in Zurich, Professor Claude Ghez, administrator and animator of the Musée le Petit Palais in Geneva, Felix Baumann, former director of Zurich's Kunsthaus and Gian-Pietro Rossetti, Member of the Group Managing Board and Business Committee, UBS Private Banking.
The three national winners were chosen from a total of 19 entrants. Fourteen of these are students at the Basel school of Art and Design (Hochschule für Gestaltung und Kunst beider Basel), while five are from the school of Art and Design in Zurich (Hochschule für Gestaltung und Kunst Zürich). All three are young unknowns starting out on their careers as artists. Not only will the UBS Art Award 2000 enable them to present their work at the international level for the first time, they will also have the opportunity to make new contacts and absorb new ideas. The prize money being offered illustrates UBS's commitment to promoting and supporting contemporary art and culture.
Zurich/Basel, 18 September 2000


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How to Implement Beer Budget Ergonomics:
Take a moment to assess your workstation. Then explore the following
simple and inexpensive ergonomic problems.
Desk too low:
Desk too high:
No room for a mouse on your keyboard tray:
No document holder:
Slant table for writing:
Negative keyboard tilt:
Sharp edges on the desk:
Monitor too close:
Regardless of your ergonomic situation, always remember to take your
breaks-micro-, meso-, and large movement.
Copyright 2003 Erik Peper, Ph.D. and Katherine Hughes Gibney


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This week I read The Leader in Me, Stephen Covey's new book about teaching the Seven Habits of Highly Effective People to elementary school students. Schools in North Carolina, Alabama, Illinois, Guatemala, Singapore, and elsewhere have successfully incorporated 7 Habits into their curriculum.
As an outsider to education, what most interested me were the chapter on teaching effectiveness principles in the home (chapter 10) and the following thoughts on curriculum.
Parents, teachers, and business leaders recognize that simple transmission of facts is no longer a sufficient education, as it may have been many years ago. This is what makes teaching effectiveness principles so attractive. Principles and habits transcend facts.
While factual information remains a key factor for survival in today's world, it is no longer sufficient. With the massive spread of the internet and other digital resources, facts that at one time were closely guarded trade secrets and only available from the top universities can now be accessed in most every nook and cranny on the globe at the click of a mouse. As a result, many of the so-called elite professions that once required extensive schooling are today being passed on to computers or to people at far lower education levels and wages across the planet. Factual knowledge alone is thus no longer the great differentiator between those who succeed and those who do not. (Stephen R. Covey. The Leader in Me. p. 7)
What's needed, in Mr. Covey's opinion, is a greater emphasis on "meta" skills such as being proactive, setting goals, resolving conflicts, and listening well. (I previously wrote about "intellectual self-sufficiency", which I believe is one of these meta skills that is larger than other academic skills.)
Perhaps we could teach better by teaching less:
"It is time to recognize that the major flaw in the de facto curriculum of American public schools is not that schools do not do enough, but that they attempt to do too much. Even though American students have fewer school days each year than their Asian and European counterparts, they are expected to learn far more curriculum content. Confronted with a curriculum that is 'a mile long and one-half inch deep,' teachers have become preoccupied with 'coverage.' They feel unable to teach for student mastery of knowledge and skills because of the race to cover content. One of the most meaningful steps a school can take to promote significant improvement is to develop a process for identifying significant curriculum content, eliminating non-essential material, and providing teachers with time to teach the significant curriculum." (Richard DuFour and Robert Eaker. Professional Learning Community. p. 165. Quoted in The Leader in Me. pp. 197-198.)
"U.S. mathematics textbooks address 175 percent as many topics as do German textbooks and 350 percent as many topics as do Japanese textbooks. The science textbooks used in the United States cover more than nine times as many topics as do German textbooks and more than four times as many topics as do Japanese textbooks. Yet German and Japanese students significantly outperform U.S. students in mathematics and science." (Robert J. Marzano. What Works in Schools. pp. 26-28. Quoted in The Leader in Me. p. 198.)
I'm not saying these are magic answers for education, or even that they're new, but I thought they were interesting. As the internet makes it easier to connect with people and access any information, I see wisdom in learning and teaching better personal effectiveness skills.
Eric Hoffer said, "It is the learners who inherit the future. The learned usually find themselves equipped to live in a world that no longer exists."


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MARION — Zachariah J. "Zach" Antoszyk, 22, passed away April 28, 2013, near Lost Springs, as a result of an auto accident. He was born April 26, 1991, at Camp Hill, Pa. He was the son of John Antoszyk and Kimberly Ditto.
He was a graduate of Centre High School and Manhattan Area Technical College. He was currently employed with Excel Industries.
He is survived by his father, John Antoszyk and wife Penny of Marion; his mother, Kimberly Ditto-Bell and husband John of Herington; siblings Becky Hulett of Marion, Breah Ditto of Bushkill Falls, Pa., Thieen Antoszyk of Tampa, Leigha Antoszyk of Junction City, Steven Antoszyk of Ocean Springs, Miss., Canh Antoszyk of Fort Hood, Texas, Trever Fugitt of Lewistown, Mont.; Mikael Antoszyk of Wichita, Mikayla Antoszyk of Herington, Spencer Fugitt of Marion, and Samantha Fugitt of Marion; grandmothers Doris Antoszyk of Marwood, Pa., and Margie Ditto of Las Vegas; great-grandmothers Irene Richmond of Marion, and Josie Lowers of Freeport, Pa.; and a multitude of aunts, uncles, cousins, nieces, nephews and friends.
A memorial service will be held at 11 a.m., Thursday, May 2, 2013, at the Herington Community Building, Herington. Inurnment will be in the Lewis Cemetery, Ramona. A memorial fund has been established for the Manhattan Area Technical College (MATC) for Zach Antoszyk Scholarship Fund, in care of Zeiner Funeral Home, 205 Elm, Marion, KS 66861.


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Vermont State Police Log: Accident causes fuel spill, road closure
VERMONT — On Monday, Jan. 23, at 20 minutes past noon Vermont State Police Trooper Steven Gelder responded to Route 30 in Sudbury for a single-vehicle crash.
Gelder found a tractor-trailer with flatbed driven southbound by Mario Gervais, 47, of Quebec had exited off the travel portion of the wet road and collided with a guardrail. The vehicle traveled down an embankment before coming to a position of uncontrolled rest off the travel portion of Route 30.
The vehicle ruptured its diesel fuel tank, and fuel spilled onto the roadway.
Route 30 was closed for several hours until cleanup crews could removed the contaminated material.
Gervais, who was wearing a seat belt, suffered non-life-threatening injuries. The truck was a total loss.
Members of the Castleton and Orwell fire departments, along with members of Vermont Agency of Transportation and Vermont Department of Motor Vehicles, assisted with investigation and cleanup of this crash.
In the only three incidents between Jan. 23 and Jan. 30 reported by VSP operating out of the New Haven barracks, Trooper Joseph Szarejko:
•On Jan. 19 at approximately 4:20 a.m. responded to the Ripton General Store for a reported burglary. Numerous items were reported stolen including cigarettes and money. Anybody with any information is asked to contact the New Haven State Police Barracks at 802-388-4919.
•On Jan. 25 transported Korey Koch, 22, of Vergennes to the New Haven state police barracks and cited her for possession of heroin and marijuana along with providing false information to a police officer, careless and negligent driving and reckless endangerment of a child. The charges stemmed from a Jan. 21 incident where police said Koch flipped a car at the intersection of Little Otter Lane and Route 7 in Ferrisburgh and left two young children in the car while she went to a nearby residence. Police and emergency services rescued the children and took them and Koch to Fletcher Allen hospital the night of the incident.
•This week reported that on Jan. 5 at 2:58 a.m. police responded to a reported one-car crash on East Street in New Haven. Police found a 2006 Chevy Malibu was totaled and the driver missing. The trooper since then identified the driver as Peter Thibodeau, 30, of Bristol, and cited him into court for leaving the scene of an accident and for careless and negligent driving.


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CANBERRA, Australia (AP) — The elderly, young children and pregnant women were advised Friday to evacuate an Australian town that has been shrouded by smoke and ash from a burning coal mine for almost three weeks.
Victoria state Chief Health Officer Rosemary Lester said vulnerable residents were advised to leave the town of Morwell as a precaution because the fire in the nearby Hazelwood Coal Mine is expected to spew smoke for at least 10 more days.
Residents of Morwell, a town of 14,000 in the Latrobe Valley east of Melbourne, have complained of chest ailments and headaches caused by the acrid smoke.
Lester said that health workers had not yet seen serious health effects from the smoke, and that there had not been a sharp increase in ambulance calls or hospital admissions.
"But we do know that the longer the vulnerable people spend in the fine particles from the smoke, that that's a continuing risk to them," she said.
In addition to people aged over 65 years, under school-age children and pregnant women, Lester advised people with pre-existing heart and lung problems to temporarily leave town.
Graeme Middlemiss, a Morwell resident and elected member of the local council, said some people had already left town because of the smoke and that authorities should have been quicker to respond.
"The town has been choked with smoke. For the first two weeks it was appalling and a constant rain of ash," Middlemiss told Australian Broadcasting Corp.
Police suspect an arsonist started the blaze in the open-cut coal mine with three brush fires lit on Feb. 9. No one has been arrested. The fire has since burned deep into the coal seam.
Fire Service Commissioner Craig Lapsley said it could take another 10 days to bring the blaze under control so that it wouldn't send significant smoke or ash over Morwell.


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Kluber's first CG completes series win over KC
CLEVELAND -- Cody Allen headed out of the Indians' clubhouse, rolling a suitcase behind him. The setup man enjoyed his Thursday afternoon at the ballpark, a day that included sitting out in the bullpen and watching starter Corey Kluber cruise through his first career complete game.
Not once did a reliever even begin to get loose.View Full Game Coverage
CLEVELAND -- Cody Allen headed out of the Indians' clubhouse, rolling a suitcase behind him. The setup man enjoyed his Thursday afternoon at the ballpark, a day that included sitting out in the bullpen and watching starter Corey Kluber cruise through his first career complete game.
Not once did a reliever even begin to get loose.View Full Game Coverage
"We all should've stayed home," Allen quipped. "That was nice."
Kluber worked with robotic precision at Progressive Field, overpowering and confounding the Royals in a 5-1 victory that wrapped up a 4-3 homestand for the Tribe. The pitcher barely flinched throughout his performance, which went down statistically as one of the best outings in franchise history.
On the day, Kluber induced a dozen outs via ground ball, established a career best with 11 strikeouts, scattered four hits and issued no walks. The right-hander became the first Indians pitcher (and seventh since at least 1914) to have at least 11 strikeouts with no earned runs or walks in a complete game since Len Barker did so on May 15, 1981.
Indians fans might remember that outing by Barker. It was the last perfect game or no-hitter for the franchise.
"It was nice," Kluber said. "I really wasn't trying to make a bigger deal out of it than going out there and trying to get three more outs. Maybe that's why it worked out."
That quote sums up the pitcher's personality. Kluber is calm and composed to the point that a running joke in the clubhouse is that Kluber does not smile. As the 'Klubot' stood surrounded by media on Thursday, Indians starter Justin Masterson leaned back in his chair at a neighboring locker.
Between questions, Masterson chimed in.
"Did you smile after the game?" Masterson asked to chuckles from reporters.
Kluber allowed the slightest smirk.
"I did," Kluber said. "Only when I saw you."
The 27-year-old Kluber has quietly developed into one of the club's most reliable arms.
The Indians acquired him from the Padres in a three-team trade that involved Jake Westbrook prior to the July 31 Trade Deadline in 2010. Kluber had unsuccessful stints with the Tribe in '11 and '12 before developing a consistent two-seam sinker that played a big role for him last season. In 26 games a year ago, Kluber won 11 and posted a 3.85 ERA with 136 strikeouts in 147 1/3 innings.
Along the way, Kluber has won over manager Terry Francona.
"He's not the loudest guy in the clubhouse, but there's a fire there, man," Francona said. "He competes. One of the nice things about the way he pitches, he gives me a reason to brag about him, which I love. He wants to be really good and he goes at it the right way.
"For a kid that doesn't have a ton of time in the Major Leagues, he's a good pro."
Over his past four starts, Kluber has spun a 2.79 ERA with 29 strikeouts and just three walks in 29 innings. In three of his five outings this month, the right-hander has ended with zero walks on his line. Against the Royals, Kluber threw 74 percent of his pitches for strikes.
"He handcuffed us," Royals manager Ned Yost said. "He threw a great game. We couldn't do anything with him, nothing all day long."
Kluber benefited from a five-run outburst by Cleveland's offense in the fifth inning against Royals lefty Bruce Chen, who has tormented the Tribe in recent years. Chen breezed through the first four frames, but the Indians sent him to the showers before the end of the following inning.
Carlos Santana got the fifth-inning rally started with a leadoff double that snapped the third baseman's 0-for-16 drought. Michael Brantley then came through with an RBI single before Chen loaded the bases with no outs. David Murphy made Chen pay by slicing a pitch down the third-base line and into left field for a two-run single that put the Royals down, 3-0.
Mike Aviles kept the line moving with a sacrifice bunt that put two runners in scoring position for Tribe shortstop Asdrubal Cabrera. He followed with a two-run double to left field that pushed Cleveland to a 5-0 lead and ended Chen's afternoon.
"He's going to test your discipline," Murphy said of Chen. "He's going to get you on your front foot, and he's going to get you to chase the soft stuff and put balls in play, weak ground balls, weak fly balls. He was doing that early. It was great that we finally got to him."
After a few questions, Murphy steered the conversation in another direction.
"The story of the day is Corey Kluber," Murphy said. "What a tremendous job."
Kansas City's lone breakthrough against the righty came in the seventh inning, when Omar Infante singled to left with two outs. Mike Moustakas followed with a grounder to first baseman Nick Swisher, who mishandled the ball for an error that allowed Infante to score on the play. It marked the Tribe's American League-leading 22nd error on the season.
No matter, Kluber struck out Alcides Escobar to end the inning and retired the next six batters in order to finish his outing on 101 pitches.
"I think we all would like to finish the game every time we go out there," Kluber said. "Keep going until Tito comes and takes the ball from us."
Francona never did. The manager never even got a reliever up in the bullpen.
That made for a nice afternoon at the ballpark for the Indians.
"Wonderful," Francona said. "To not even warm somebody up, that's rare."
Jordan Bastian is a reporter for MLB.com. Read his blog, Major League Bastian, and follow him on Twitter @MLBastian.


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July 26, 2011
Jeff McDermott
Theme: PB&J, Hold the PB — Each theme answer is a familiar phrase that either begins or ends with a word for a fruity spread.
Theme answers:
- 17A: Filled to capacity (JAM-PACKED).
- 27A: Certain wildlife refuge (STATE PRESERVE).
- 47A: Hit from the "Moulin Rouge!" soundtrack (LADY MARMALADE).
- 62A: Spineless one (JELLYFISH).
Random Thoughts:
- 9A: Drink in a Dixie cup? (JULEP). The question mark hints that the clue doesn't refer to an actual "Dixie cup," as you would normally think of it. But rather a cup that's in the south. Where they apparently drink JULEPs. I used to know an old guy who was, I think, from Arkansas. He had a real low, gravelly voice and he used to say "I didn't get this accent from drinkin' outta Dixie cups." I was never really sure what that meant, but I laughed anyway.
- 15A: ___ breve: 2/2 time (ALLA). This is a reference to a time signature in music. I was going to explain it to you but, as it turns out, I don't really understand it myself. I was going to say it means two beats to a measure with a half note equalling one beat. But I can't really get that to make sense in my head. It's been a while ….
- 34A: Annoying kid at the pool (SPLASHER). I believe this is one of those entries Rex would call an "odd job," which basically just means it's a plain old word with ER tacked on the end. Yes, there is such a thing as a SPLASH and yes, it's something people do. But SPLASHER isn't really a word you hear very often. See also LADLER (8D: Soup kitchen volunteer).
- 59A: Summer pitcherful (ICE TEA). Yes, yes, I know, I know ….
- 66A: Collette of "United States of Tara" (TONI). I'd never heard of this show before. Sounds like a bizarre premise — Tara is a suburban housewife who suffers from dissociative identity disorder — but Ms. Collette won several Emmys, so I guess she figured out how to make it work.
- 68A: White House maiden name (TODD). Struggled to remember Michelle Obama's maiden name, just to find it didn't fit anyway. (It's Robinson.)
- 22D: Words before "of rules" (A SET). Weak sauce.
- 55D: "See you," in poker (I'M IN). I can't decide if I like this or not. It's awfully cute. Not sure if it's too cute. When a poker player "sees" another person's hand, they're "in" and might even say "I'm in." In that situation, though, the player wouldn't actually say "see you," so I don't think this really works. There you go. My mind is made up.
- 65A: Latin 101 infinitive (ESSE).
- 7D: Guinness of "Star Wars" (ALEC).
- 11D: Pre-euro Italian currency (LIRA).
- 12D: Harrow rival (ETON).
- 33D: Oklahoma city (ENID).
- 57D: Hot times in the cité (ÉTÉS).
- 58D: Anka's "Eso __" (BESO).
- 60D: Young newts (EFTS).
Everything — 1A: Aaron of Cooperstown (HANK); 5A: Fast ender (MEAL); 9A: Drink in a Dixie cup? (JULEP); 14A: Lotion additive (ALOE); 15A: ___ breve: 2/2 time (ALLA); 16A: Get under one umbrella, so to speak (UNITE); 17A: Filled to capacity (JAM-PACKED); 19A: Panel member (JUROR); 20A: Soaking and relaxed (IN A TUB); 21A: One seeking repayment (CLAIMANT); 23A: Form W-4 fig. (SSN); 24A: NFL mike wearer (REF); 26A: Ballpark fig. (EST.); 27A: Certain wildlife refuge (STATE PRESERVE); 34A: Annoying kid at the pool (SPLASHER); 36A: Catch, as a podcast (TUNE IN); 37A: Panache (ELAN); 38A: What a fluid oz. measures (LIQ.); 40A: Half of MCDII (DCCI); 41A: Geometry measure (LENGTH); 44A: Was in pain (SUFFERED); 47A: Hit from the "Moulin Rouge!" soundtrack (LADY MARMALADE); 49A: Ending with Cray (-OLA); 50A: CBS's Rather (DAN); 51A: Shakespearean exclamations (AYS); 54A: Ticking danger (TIME BOMB); 59A: Summer pitcherful (ICE TEA); 61A: Stradivari's tutor (AMATI); 62A: Spineless one (JELLYFISH); 64A: Star in the same constellation as Betelgeuse (RIGEL); 65A: Latin 101 infinitive (ESSE); 66A: Collette of "United States of Tara" (TONI); 67A: Ouzo flavoring (ANISE); 68A: White House maiden name (TODD); 69A: Name-dropper, often (SNOB); 1D: Pilgrims to Mecca (HAJIS); 2D: Greenspan and Turing (ALANS); 3D: Area of uncertainty (NO-MANS LAND); 4D: Held on to (KEPT); 5D: Shakespeare's shortest tragedy (MACBETH); 6D: Yellowstone grazer (ELK); 7D: Guinness of "Star Wars" (ALEC); 8D: Soup kitchen volunteer (LADLER); 9D: Martial art emphasizing throws (JUJITSU); 10D: Word on a dime (UNUM); 11D: Pre-euro Italian currency (LIRA); 12D: Harrow rival (ETON); 13D: Cheeky (PERT); 18D: New Age-y emanations (AURAS); 22D: Words before "of rules" (A SET); 25D: Have a hunch (FEEL); 28D: Like some barbecue sauce (TANGY); 29D: Periscope part (PRISM); 30D: Wrapped up (ENDED); 31D: Hiking or biking (RECREATION); 32D: Nasty habit (VICE); 33D: Oklahoma city (ENID); 34D: Broker's order (SELL); 35D: Entreaty (PLEA); 39D: Four-sided campus space (QUAD); 42D: BlackBerry network choice (T-MOBILE); 43D: Saintly ring (HALO); 45D: Made things harder for the lifeguard (FLAILED); 46D: Ornate (FANCY); 48D: Engine for missiles (RAMJET); 52D: Like some easy questions (YES/NO); 53D: Indian honorific (SAHIB); 54D: O'Hara plantation (TARA); 55D: "See you," in poker (I'M IN); 56D: Star-struck trio? (MAGI); 57D: Hot times in the cité (ÉTÉS); 58D: Anka's "Eso __" (BESO); 60D: Young newts (EFTS); 63D: Source of some '60s trips (LSD).


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|POTCO Sails and Ships Official discussion of sailing and ships
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Tribute to the Game - Credit to the AI
It is a sad thing for me to see the game closed. Permanently. I'm not sure what I'd do without being able to once in a while take to the seas and crush the forces of the opposition.
As tribute to the game's closing as well as the valiant efforts of the enemy at the seas, here is the final Fleet I was able to successfully solo yesterday.
Okay, I just have to say, that is the most amazing bit of sailing I've ever seen in this game. I wish I'd had you as my mentor.
What made your broadsides glow? And they glowed two different ways. Pretty sure I was missing out on some very valuable information.
And, wow. The way you anticipated the ships' movements. That's so impressive. I'm not kidding. You're an absolute beast.
Two different ways? Well, if I'm understanding correctly, then one of the glows was from Open Fire, which causes cannons to glow yellow. The other glow was simply Skull and Bones' granting me a percentage chance to fire Fury shots.
Knowledge and anticipation of the enemy ships' firing patterns and AI movement comes from years of always sailing the seas in this game. Typically, I always sail to the right with my camera facing the enemy. The reason for going right is because enemy ships will always turn to their left if they either turn to begin firing or get close enough to you, unless there is another ship on their left side.
Soloing these Fleets all started once the EITC Expedition Fleets were sent off to Live. But it wasn't always easy. At first, it was tricky, because I hadn't yet developed the strategy or recognized their attack patterns (as Fleet ships and any ships with the same sort of AI have a slightly different attack pattern from regular ships). At first, I would attempt to switch between cannons and steering, but it wasn't as effective.
War Sloops were always the best choice of ship class to use against these things. Back when I'd first successfully soloed a Fleet without sinking once, Ship Customization hadn't yet been implemented, and I only had a measly 7200 HP to work with, which honestly added to the difficulty and made it more fun. But since I'd learned to only use steering rather than mounting the cannons, it meant I would have to boost a few key skills - five points on both Broadsides, Open Fire and Take Cover, and a few others I can't remember. With Ship Customization, I was able to give my War Sloop Skull and Bones, which in my opinion works best for a War Sloop rather than other hull upgrades because it does not make the ship any slower, it boosts the overall HP by a nice amount, and the added chance to fire Fury makes up for the seven broadside cannons you're limited with. I also gave my War Sloop the Open Fire rigging to allow Open Fire to last just a bit longer.
Another strategy I use is to fire off the broadside, then use Open Fire before it hits. The Open Fire rigging helps with this. The cannonballs fired will still recognize the Open Fire upon impact of the enemy, and right away I also use Leadership to charge up the second broadside quickly enough. Open Fire's duration will last long enough for the second broadside to hit with the added damage just before it wears off.
The only challenge in soloing the Fleets was always simply dealing with the War Frigates. Upon engagement, two of the Fleet ships will always break away in pursuit to attack you, and the rest will follow but at a slower speed. As you sink one, another will begin to speed up to take its place. Once three are down, the Ship of the Line will charge in. As the enemy Ship of the Line (to me) always felt like it moved slightly faster than the War Frigate, it becomes tricky to deal with the remaining one, so usually I would instead start going in the opposite direction. In the video, however, I was lucky enough to get in a position where the HMS Victory was behind me. 'Course, the Ogre had gotten in my way anyway.
Finishing the Ship of the Line was probably the easiest but more time consuming half of the video, as that's about 330000 (as I'd calculated as a test once a good few months ago by estimating - not an exact number however, but more or less good enough). And with viciously durable hull armor, it takes a while to break her down. But once you do, it's easy going. I usually like to carry the Ship of the Line out to Uncharted Waters for a few reasons - mostly due to the open space, and to avoid crossing paths with other players who may negate the solo attempt.
There were only two things that kept me going with soloing Fleets -
1: It was the only truly fun challenge that was left in the game. Foulberto is alright, but he loses his worth since he only drops Throwing Knives and no gold whatsoever. Fleets on the other hand at least offer rewards such as cargo, loot containers and ship materials, and require a bit of strategy. However, I won't disagree that soloing Foulberto isn't a challenge in its own right either - it too requires strategy, and I remember someone in Partners N Crime had actually done it, but I forget who the fellow was. The picture or thread must be somewhere.
Plus, sailing was, again, my favorite aspect of the game.
2: I had never seen it done anywhere else. I have seen one or two videos of Fleet solo attempts, but I felt that they weren't done with care or strategy. One in particular, the player rushed in and simply bombarded them with something until they sank - that is not how it is done. Anyone could solo a Fleet if all you had to do was sink a few hundred times in the process. Plus, you risk not being able to finish it in time, as (back then) either the Fleet will despawn upon the next hour, or it will just reach the end and all that sinking and gold wasted for repairs will be for nought.
Though I do not wish to put myself on a high horse, I feel as though I am the only person to actually show a successful Fleet solo with a War Sloop without sinking once - and in just over 20 minutes (when I had my regular War Sloop, it took nearly the whole 50 minutes that a Fleet exists). I won't doubt that no one else has done it, but I can't say I've ever seen any documented accounts of a Fleet solo. Hence, it makes me proud to be the one to be able to do something like this.
I've know for awhile that you solo Fleets, but actually seeing you do it is Awesome.
I'm Mr. Awesome, and I approve CarribeanThunder.
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USDJPY Analysis: The monthly chart as a reference point [Video]
As much as it looks like the major pair could be bottoming out, we're going need to see a daily close back above 107.91 at a minimum to strengthen this case. Until then, the pressure remains on the downside and scope exists for another drop back down towards and below the 2018 low from late March.
In this analysis, we take a look at USDJPY each day, highlighting all of the need to knows for anyone looking to extract up to date information on major levels and relevant trends, both short term and longer-term. The analysis is designed for the trader, investor and even those simply holding Yen or US Dollars, looking for an idea of where they may want to consider making that next conversion.
The USDJPY update is new each day and is presented with an added layer of animation, in an effort to make the analysis as engaging as possible, while also communicating the message with respect to key trends and levels in an easy to understand, seamless manner with great value add to all.
Any opinions, news, research, analyses, prices or other information ("information") contained on this Blog, constitutes marketing communication and it has not been prepared in accordance with legal requirements designed to promote the independence of investment research. Further, the information contained within this Blog does not contain (and should not be construed as containing) investment advice or an investment recommendation, or an offer of, or solicitation for, a transaction in any financial instrument. LMAX Exchange has not verified the accuracy or basis-in-fact of any claim or statement made by any third parties as comments for every Blog entry. LMAX Exchange will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from use of or reliance on such information. No representation or warranty is given as to the accuracy or completeness of the above information. While the produced information was obtained from sources deemed to be reliable, LMAX Exchange does not provide any guarantees about the reliability of such sources. Consequently any person acting on it does so entirely at his or her own risk. It is not a place to slander, use unacceptable language or to promote LMAX Exchange or any other FX, Spread Betting and CFD provider and any such postings, excessive or unjust comments and attacks will not be allowed and will be removed from the site immediately. LMAX Exchange will clearly identify and mark any content it publishes or that is approved by LMAX Exchange. FX and CFDs are leveraged products that can result in losses exceeding your deposit. They are not suitable for everyone so please ensure you fully understand the risks involved. The information on this website is not directed at residents of the United States of America, Australia (we will only deal with Australian clients who are "wholesale clients" as defined under the Corporations Act 2001), Canada (although we may deal with Canadian residents who meet the "Permitted Client" criteria), Singapore or any other jurisdiction where FX trading and/or CFD trading is restricted or prohibited by local laws or regulations. LMAX Limited operates a multilateral trading facility. LMAX Limited is authorised and regulated by the Financial Conduct Authority (firm registration number 509778) and is a company registered in England and Wales (number 6505809). Our registered address is Yellow Building, 1A Nicholas Road, London, W11 4AN.


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On Tuesday, gold hit a record high of $1,782, up 25% year-to-date. For some, that signals that we're in a gold bubble. But others, including J.P. Morgan Chase Bank, say that gold may still climb higher. The reason: Gold tends to do well during inflationary periods and economic downturns, according to SmartMoney.com's "Gold's Newest Believers" story — both possibilities for the U.S. in coming months. With all the media speculation on the topic, older and younger investors alike are wondering whether now is the time to buy (or sell). "I'm getting a lot of calls about gold from all age clients," says Andrew Feldman, president of AJ Feldman Financial in Chicago.
But while younger investors can afford to take more risk investing in gold, retirees and soon-to-be retirees have less room for error as they have less time to recover from losses. So, SmartMoney.com asked a few advisers their thoughts on gold and its place in older investors' portfolios. Here's what they told us.
Don't get caught up in the frenzy. The current gold frenzy is "very driven by emotion," warns Paul Baumbach, a financial adviser at Mallard Advisors in Newark, Dela. — so it's important not to get swept into the "buy, buy, buy" frenzy that's happening right now. So, for the most part, retirees and soon-to-be retirees "should keep to their long-term strategy,"says Feldman. First, talk to your financial adviser to ensure that you have the right asset allocation and diversification in your portfolio. Once that long-term strategy is in place, chat with him or her about adding (or subtracting) a little gold.
Keep your gold exposure at a minimum. To be sure, gold can be a part of your long-term strategy, experts say. But you don't want to own too much. Feldman usually limits retirees and older investors' purchase of gold to up to 2% of their total portfolio. "This way, if gold drops significantly, it won't kill their retirement," he says. Some advisers are a little more lenient: Baumbach recommends a maximum of 5%, but warns that even this 5% is still "a gutsy bet."
Have an exit strategy. "If more than 5% of your portfolio is made up of gold, it's time to figure out an exit strategy," says Lance Reid Scott, president of Bay Harbor Wealth Management in Baltimore. First, don't panic and unload all of your gold at once; instead consult with your financial adviser on how to do it strategically, Scott says. "Systematically selling your positions over a set period of time should help you get competitive pricing, rather than trying to time the market for a good day to sell," he says. And even if you're buying gold now, you need an exit strategy. To ensure one going forward, Scott says that if you buy gold, choose to buy things like gold ETFs, which can easily be sold and offer exposure to gold in a variety of forms like bullion and mining, rather than, say, gold coins, which can be hard to unload.
Know your current gold exposure. Many investors already have exposure to gold even though they don't realize it, Feldman says. For example, Newmont Mining Corporation and Freeport-McMoRan Copper and Gold are part of the S&P 500, so investors that have exposure to this index already have gold in their portfolios, he adds. To make sure that you don't inadvertently own too much gold, go through your entire portfolio with your adviser before adding more gold.


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Do you have this fabric?? I need 1 yard or more to finish a quilt. I purchased it at Hancock Fabrics about a year ago and have search the web for some more - but not success. I believe it sold for around $8 a yard, but it could have been more, not sure. If you have some and are willing to sell - please let me know!
And a picture of my sweet granddaughter Taralyn as she celebrates her third birthday. She received her "big girl" quilt this day - a Be Attitudes quilt. She really seemed to like it :)
Thanks for stopping by, and please, please, please let me know if you have some of the fabric and are willing to part with it.
Happy Stitching,