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File Size: 181 KB
Print Length: 61 pages
Simultaneous Device Usage: Unlimited
Publisher: FOI Publishing; 1 edition (May 16, 2012)
Publication Date: May 16, 2012
Sold by: Digital Services LLC
Language: English
Text-to-Speech: Enabled
X-Ray: Not Enabled
Word Wise: Enabled
Lending: Not Enabled
Enhanced Typesetting: Enabled
Best Sellers Rank: #633,499 Paid in Kindle Store (See Top 100 Paid in Kindle Store) #147 in Books > Cookbooks, Food & Wine > Beverages & Wine > Wine & Spirits > Wine Tasting #148 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Drinks & Beverages > Bartending #416 in Kindle Store > Kindle eBooks > Cookbooks, Food & Wine > Drinks & Beverages > Spirits
Written for anyone who wants to learn about wine. It really explains wine and makes it less intimidating. Love and recommend it!!
Whether just starting out or been into wine for years, this is a good book to have. Helps to refresh you glass while you read.
Wine Tasting: Secrets of Wine Tasting - The Ultimate Guide To Learn Everything About Wine Tasting & Wine Pairing (Wine Selecting, Wine Variety, Wine Making, Wine Education) WINE: Wine Lifestyle - Beginner to Expert Guide on: Wine Tasting, Wine Pairing, & Wine Selecting (Wine History, Spirits, World Wine, Vino, Wine Bible, Wine Making, Grape, Wine Grapes Book 1) 30 Minute Expert Wine and Wine Tasting Guide (The Home Distiller's Series) Wine Making: Beginner Wine Making! The Ultimate Guide to Making Delicious Wine at Home (Home Brew, Wine Making, Red Wine, White Wine, Wine Tasting, Cocktails, ... Vodka recipes, Jello Shots Beer Brewing) Wine Guide: Learn everything you need to know about wine tasting & wine selecting - Includes tips and tricks (Wine Making and Tasting Books Book 1) Wine: Everything You Need to Know About Wine From Beginner to Expert (Wine Tasting, Wine Pairing, Wine Lifestyle) Wine: The Best Guide To Wine Tasting, Wine Pairing And Wine Selecting To Find Your Personal Palate And Tips On Choosing The Perfect Wine For Every Occasion. Wine Making: 14 Amazing Recipes for Beginners - The Ultimate Guide to Making Delicious and Organic Wine at Home! (Home Brew, Wine Making, Wine Recipes) BEER: Beer Tasting & Food Pairing: Become An Expert In Beer Tasting, Food Pairing & Flavor Profiling (Beer, Beer Brewing, Beer Bible, Beer Making Book 1) Wine and Cheese Box Set (4 in 1): Wine Tasting, Pairing, and Serving Guide Plus Secrets of Making Perfect Cheese at Home (Etiquette Parties) How To Make Wine: 20 Tasty Homemade Wine Recipes Made Of Fruits And Vegetables From Your Garden!: (Dandelion Wine, Plum Wine, Wine Bottle Crafts) The Home Distiller's Workbook: Your Guide to Making Moonshine, Whisky, Vodka, Rum and So Much More! Vol. 1 The Home Distiller's Workbook - Your guide to making Moonshine, Whisky, Vodka, Rum and so much more! Beginner's Guide to Wine: Wine History, Grapes and Types, Pairing with Food and Other Wine Secrets Revealed (Wine Guide & Spirits) Discovering Wine: A Refreshingly Unfussy Beginner's Guide to Finding, Tasting, Judging, Storing, Serving, Cellaring, and, Most of All, Discovering Wine The Home Distiller's Handbook: Make Your Own Whiskey & Bourbon Blends, Infused Spirits and Cordials Exploring & Tasting Wine: A Wine Course with Digressions Wine: The Ultimate Educational Resource Of Red Wine, Types And Origin, Red Wine Selecting & Food Pairing And Tips On Wine Occasion Matching Wine Pairing: 7 Wine Secrets You Wish You Knew: How to Translate a Restaurants Wine List (France, Australia, California, New Zealand, Napa, Red, Champagne, ... you need to know about wine Book 1) Feng Shui: Wellness and Peace- Interior Design, Home Decorating and Home Design (peace, home design, feng shui, home, design, home decor, prosperity)


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Bill Cooper
Bill Cooper
Business details
Bill Cooper
- 29 Bird Creek Rd
- Glenwood
- Washington
- 98619
- Tel: 509-364-3329
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About the company
Bill Cooper provide Delivery Services and are located in Glenwood, WA. Please phone Bill Cooper on 509-364-3329 for more information on the services on offer.
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subset: commoncrawl


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Double Candleholder, Unique Home Accessories by Menu
Elegant double candle holder in mirror finish steel. This double candle holder is inspired by dance and movement. The straight, robust bodies and the curved, slim arms appear both masculine and feminine at the same time, the ideal wedding gift! When you place the candle holders closely together, they seem to unite in a dance.
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Date(s) - 09/14/2019
6:30 pm - 8:30 pm
Sprouts Cooking School
It's a PAARRTTAAYYY! A pizza party, that is. And kids will be making 3 kinds of pizza. First up, traditional Margarita Pizza, next you'll be getting crazy with Mexican Street Corn Pizza and ending the night with S'mores Pizza. Suitable for ages 6-13. Register here.
We do our best to provide the most relevant and timely information to our readers, but please confirm dates, times, and availability before attending an event. Events are posted on IWK from information found on, but not limited to, attraction sites, government city sites; as well as submissions from individual attractions, press releases and PR firms. All events are subject to change without notice and Indy with Kids cannot be held responsible.


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We complete checks within 20 minutes during normal working hours Monday to Friday, outside these hours it may take longer if we have to verify information with other orginisations
To conduct a check, Please register your details below, (name, address, email and phone number) or sign in using your email address if you have registered before, enter the Make, model, serial number (preferably the full 17 digit Vin number) and the road registration number (if applicable) and we will start your check
Once completed, we will issue a TER Check Certificate showing proof that the item is not registered as stolen or has outstanding finance (if it is a theft and finance check) at the time we checked.
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Lust, greed and envy
Does the demise of the dining room threaten family life
I just don't get it. We are now officially a nation of foodies. Everyone cooks with olive oil, has more than a passing acquaintance with anchovies, can spot the difference between pancetta and panettone, and forces their children to take wholemeal rye sandwiches to school.
You only have to look at the success of the Kensington mega-store Whole Foods Market to acknowledge that there has been a revolution in British eating habits in the past 20 years. Let me remind you what eating was like during the 1970s, a decade during which it was quite customary to make crème caramel from a packet and serve it, wobbling on the plate, with "top of milk" on the side.
Nowadays, we have to equip our kitchens with…


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The Rocksprings Record and Edwards County Leader (Rocksprings, Tex.), Vol. 12, No. 40, Ed. 1 Friday, September 12, 1930
Description: Weekly newspaper from Rocksprings, Texas that includes local, state, and national news along with advertising.
Date: September 12, 1930
Creator: Hutt, J. W.
Item Type: Refine your search to only Newspaper
Partner: UNT Libraries


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Holden Service in Richmond
In accordance with Australian Consumer Law you DO NOT need to take your Holden back to a dealership for servicing
If you're striving to find a more affordable log book service for your Holden pop in and see Matlin Auto Repairs in Richmond and aquaint us with a few details about your Holden (like when it was last serviced, the year and model) permitting us to provide you a competitive quote today.
Scared you will invalidate your statutory warranty?
There's simply no need to be – All Matlin Auto Repairs technicians are fully trained and qualified. We will only use appropriate quality parts based on the manufacturers specifications to conduct log book service on a wide range of makes and models, including the following Holden vehicles;
EH, Berlina, HX, Camira, Jackaroo, Epica, Astra, Combo, Apollo, Adventra, Barina, Crewman, Statesman, Captiva, Brougham, Frontera, Scurry, EK, Calais, Gemini, Calibre, HQ, Caprice, Nova, Torana, Cruze, Special, Rodeo, HK, Suburban, Commodore, EJ, Gmc.Hq, Piazza, Vectra, Tigra, Sunbird, Zafira, Monaro, Viva, Kingswood, Shuttle, Colorado and Drover.
The best way to make certain your Holden remains in top condition is with a regular service
As a consumer you have the right to appoint who you want to service your car.
The simple fact is you ARE NOT Required to bring your Holden back to the dealership that sold the vehicle for car servicing. Matlin Auto Repairs CAN service your Holden vehicle as per the manufacturers specifications, preserving your statutory warranty.
You have the right to decide who will service your car without voiding either the manufacturers warranty or your rights under the Consumer Guarantee
Matlin Auto Repairs can perform log book service and repair on a wide range of vehicle types, makes and models in our Richmond service centre.
You have the right to choose a mechanic for car service. Simply book a service for your Holden or contact Matlin Auto Repairs, tell us about your car and your last service and we can give you a quote today.


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Browser 4G APK – Now Browser 4G for Android is available on PlayStore. And this android app is updated into the new version. Download the latest version of Browser 4G .APK file
Browser 4G Android APK
Version: 24.9.5
Publish Date: 2019-01-13
Requirement: Android 4.0.3+
Vote: 213310
APK description:
Browser 4G is an extremely fast browser for any android phone running . 4G system provides mobile ultra-broadband internet access, using brand new technologies created specifically for fourth generation of mobile communication technology standards. That's the reason why Browser 4G gives its users fast and exciting internet surfing in social networks, heavily loaded websites with photos, videos and etc.
– super fast browsing speed
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Disclaimer1: Browser 4G is a internet browser based on webkit and equipped with a great number of users across more than 139 countries and regions. This product is currently available for most android version
This app is based on Lightning Browser, and licensed under the Apache License.
Apache License, Version 2.0: http://www.apache.org/licenses/LICENSE-2.0.html
New Updates


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Events for November 10, 2018
Events Search and Views Navigation
8:30 am
Parenting Education is closing the opportunity gap – Ashland
The Impact of Poverty on ECD: The Power of Parenting Education in Closing the Opportunity Gap, on the SOU Ashland campus on November 10th from 8:30-4:30. Register by email or phone: email@example.com Kayla Rapet, M.Ed. 541-552-8436Find out more »
Communicating With Your Child- Grants Pass
Parenting Workshop: Communicating With Your Child Parents of children aged 0-18 are welcome to join in expert instruction and open discussions. Bring your questions and your own expertise for other parents during a time of revelation and reflection. Saturday Nov 10, 2018 8:30am-10:30am Grace Bible Church 1555 NE 10th St, Grants Pass Learn different ways to communicate with your child. ... Read MoreFind out more »
9:00 am
Boot Camp For New Dads – Grants Pass
Boot Camp for New Dads® (aka Daddy Boot Camp®) is a unique father-to-father, community-based workshop that inspires and equips men of different economic levels, ages and cultures to become confidently engaged with their infants, support their mates and personally navigate their transformation into dads. Contact email@example.com for registration. Every 2nd Saturday of the month! If you are a Medford Dad, please email ... Read MoreFind out more »
10:30 am
Kids Day @ Crater Rock Museum – Central Point
Kids Day is the second Saturday of every month at Crater Rock Museum, 2002 Scenic Ave, Central Point, OR 97502. This is a special day that the museum sets aside to teach and expose children to the world of earth sciences, fossils, dinosaurs, and other really cool things we know they would like. More information: http://craterrock.com/crater-rock-museum/kids-day/Find out more »
Free Family Art Classes – Ashland
Explore the unlimited possibilities of your own creativity! This fun art class for kids of all ages has something for everyone – we're going to have a blast making art! Saturdays, 10:30 am – 12:00 pm For children and families (ages 6 and younger need a supervising adult present). Drop in anytime during the session. FREE! Includes materials. Creative projects ... Read MoreFind out more »
11:00 am
Story Time or Activity at B&N – Medford
Weekly story time or children's activity. Every Saturday from 11am-12pm at Medford Barnes & Noble. See link for further details.Find out more »
What to expect at a Family Connection events: learn more


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Acorda Therapeutics
15 Skyline Drive
New York
United States
Tel: 914-347-4300
Fax: 914-347-4560
Website: http://www.acorda.com/
Email: email@example.com
About Acorda TherapeuticsAcorda Therapeutics is a privately held biotechnology company developing therapies for spinal cord injury (SCI) and related neurological conditions, including multiple sclerosis (MS). The Company's lead product, Fampridine-SR, is in Phase 3 clinical trials for chronic SCI and Phase 2 for MS.
Fampridine-SR acts to combat the effects of demyelination in the spinal cord. Myelin is the insulating sheath around nerve processes; when it is damaged due to trauma or disease, electrical impulses from the brain cannot be conducted past the demyelinated area. Fampridine-SR chemically blocks the exposed voltage-gated potassium channels, allowing the impulse from the brain to be conducted more normally past the area of damage. Fampridine is being studied in Phase 3 clinical trials to evaluate its efficacy in reducing spasticity in people with chronic spinal cord injury. Secondary endpoints in the study include evaluating its effect on bladder, bowel, and sexual function. The Company is also conducting a 152 patient, late Phase 2 clinical study in MS to evaluate Fampridine-SR's efficacy in walking speed and muscle strength.
Acorda's technology platform also includes two remyelinating agents in preclinical development for MS. The first is M1, a class of human monoclonal antibodies that have been shown to remyelinate the central nervous system in animal models, and the second is GGF2, a product of the neuregulin 1 gene. Preclinical studies have shown that GGF2 can stimulate the cell growth necessary to protect and regenerate damaged myelin. Additionally, Acorda is developing protein- and stem cell-based technologies for regeneration and repair of the spinal cord and brain.
In 2002, Acorda was the recipient of the National Spinal Cord Injury Association's L. W. Freeman Award for scientific research.
Key Management:
Ron Cohen, M.D., President and CEO Andrew R. Blight, Ph.D., Executive Vice President, Research & Development Mary Fisher, Vice President, Marketing and Strategic Planning Elliott A. Gruskin, Ph.D., Vice President, Research & Development Mitchell Katz, Ph.D., Vice President, Clinical Programs David Lawrence, Vice President, Finance Mark R. E. Pinney, C.F.A., Chief Financial Officer and Director Harold Safferstein, Ph.D., J.D., Vice President, Business Development
Last Updated: 05-09-03
508 articles with Acorda Therapeutics
Acorda Provides Financial and Pipeline Update for Fourth Quarter and Year End 2018
Acorda Therapeutics, Inc. provided financial and pipeline updates for the fourth quarter and full year ended December 31, 2018.
Acorda Appoints Peter S. Carbone Senior Vice President, Quality
Acorda Therapeutics, Inc. (NASDAQ:ACOR) today announced that Peter S. Carbone has joined the Company as Senior Vice President, Quality.
Acorda Fourth Quarter/Year End 2018 Update Webcast/Conference Call Scheduled for February 14, 2019
Acorda Therapeutics, Inc. will host a conference call and webcast in conjunction with its fourth quarter/year end 2018 update and financial results on Thursday, February 14 at 4:30 p.m. ET.
Acorda Announces The Lancet Neurology Publication of Phase 3 Data for INBRIJA™ (levodopa inhalation powder)
SPAN℠-PD, the efficacy and safety study of INBRIJA (CVT-301), showed significant improvement in motor function during OFF periods in people with Parkinson's on a carbidopa/levodopa regimen
In a reflection on the annual healthcare conference, VC Bruce Booth criticizes the high cost of attending JPM, as well as the focus on market share instead of patients.
Acorda Provides 2018 Highlights and 2019 Guidance at J.P. Morgan Healthcare Conference
Acorda Therapeutics, Inc. (NASDAQ: ACOR) today provided 2018 highlights, 2019 guidance and commercialization plans for INBRIJA at the 37th Annual J.P. Morgan Healthcare Conference in San Francisco.
With the holidays upon us, along with the end of 2018 and the beginning of 2019, the FDA squeezed some target action dates into the last weeks and beginning of the new year. As it turned out, these appear to be a mixed bag of extensions, resubmissions and supplemental applications, some of which ...
After a delay in review, the FDA approved Acorda's Inbrija for the intermittent treatment of OFF episodes of Parkinson's.
Acorda Therapeutics Announces FDA Approval of INBRIJA™ (levodopa inhalation powder)
First and Only FDA-Approved Inhaled Levodopa for Intermittent Treatment of OFF Episodes in People with Parkinson's Taking Carbidopa/Levodopa
Acorda to Present at the 37th Annual J.P. Morgan Healthcare Conference
Acorda's President and CEO, will present at the 37th Annual J.P. Morgan Healthcare Conference in San Francisco on Wednesday, January 9 at 8:00am PST / 5:00am EST.
Acorda Launches Art Initiative to Foster Better Conversations About Parkinson's Symptoms
Acorda Therapeutics, Inc. (Nasdaq:ACOR) today launched Framing OFF Through Art℠, a new initiative that uses the power of art to allow people with Parkinson's to help recognize and articulate their OFF period experiences.
Two weeks after acquiring two drugs from AstraZeneca in a $700 million deal, Germany-based Grünenthal flexed its M&A muscle again to acquire Averitas Pharma to extend its commercial footprint in the United States.
Acorda to Present at Stifel 2018 Healthcare Conference
Acorda Therapeutics, Inc. announced that Acorda's President and CEO will present at the Stifel 2018 Healthcare Conference.
Acorda Provides Financial and Pipeline Update for Third Quarter 2018
AMPYRA® (dalfampridine) Q3 2018 net revenue of $138 million; 2018 net revenue guidance increased from $330-$350 million to more than $400 million
Plenty of biotech companies will be releasing their third-quarter financial reports next week. Let's take a quick look at some of these companies and their top stories they reported through 3Q2018.
Acorda Third Quarter 2018 Update: Webcast/Conference Call Scheduled for October 31, 2018
Acorda Therapeutics, Inc. will host a conference call and webcast to report its third quarter 2018 update and financial results on Wednesday, October 31 at 8:30 a.m. ET.
Acorda to Present Data for INBRIJA™ (levodopa inhalation powder) at International Congress of Parkinson's Disease and Movement Disorders
INBRIJA is an investigational inhaled levodopa treatment for symptoms of OFF periods in people with Parkinson's disease taking a carbidopa/levodopa regimen.
It looks to be a pretty busy week for the U.S. Food and Drug Administration (FDA), with a number of target action dates for various drugs. Some were delayed, and some were already approved, but there are still a number on the schedule. Here's a look.
Acorda Therapeutics' week started off badly and has only gotten worse. It started off with the loss of an appeal for some of its Ampyra patents and has ended with the U.S. FDA's decision to delay a ruling for its Parkinson's disease treatment.
Acorda Announces FDA Extends INBRIJA NDA Review Period
New PDUFA Date of January 5, 2019


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Tulsa cop accused of killing his daughter's boyfriend while off duty retired and got $162,000 severance
Pension board records show a Tulsa police officer accused of killing his daughter's boyfriend retired from the force last month and collected a $162,000 pension in a lump-sum payment.
While state law would prevent officers convicted of felonies from collecting monthly payments, the state Police Pension and Retirement Board won't be able to reclaim Shannon Kepler's lump-sum payment if he is convicted.
"Our position is that we haven't been able to do that. We are going by kind of the plain reading of the statutes," said board executive director Steven Snyder.


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Happy Sunday and welcome to What Are You Reading?, our weekly look at all the comics and other stuff we've been reading lately. Today our special guest is Dave Dwonch, creative director at Action Lab Entertainment and the writer of such comics as Space-Time Condominium, the upcoming Ghost Town, Double-Jumpers and more.
To see what Dave and the Robot 6 crew have been reading, click below.
Tom Bondurant
Last week's traveling gave me time to read, so I started plowing through Showcase Presents Teen Titans Volume 2, by Bob Haney, Neal Adams, Nick Cardy, Gil Kane, and assorted other writers and artists. I'm just now getting into the "Mr. Jupiter" stories, where the Titans (minus Robin) renounce costumes and powers after being part of a fight which results in the death of a peace activist. Those are well-meaning, but not very thrilling. (Flipping ahead in the book also reveals that the new direction didn't last very long.) More involving -- and part of the reason I couldn't put this book down -- are stories like Adams' three-issue extradimensional-invasion arc in #20-22 and "Skis Of Death" in #24. You snicker, but "Skis" (written by Haney, pencilled by Kane, inked by Cardy) is a perfectly serviceable standalone story about who's going to buy some rickety old resort, because it happens to be sitting on some valuable resource and it's important to the locals, and there's a teenaged "civilian" involved. It's like a Scooby-Doo story which has to explain why bad guys can knock out Kid Flash, and despite its shortcomings, it has a certain charm.
I also read the first arc of Shaenon Garrity's Narbonic, the lighthearted story of mad scientists and their interns. I'm late to Narbonic, but I liked her X-Files cartoon recaps pretty well and wanted to show my support. So far, so good, as Narbonic is alternately frenetic and easygoing, not unlike Bloom County at its best.
Finally, since I spent most of the week with Grant Morrison, Rags Morales, and the rest of the Action Comics crew, I re-read "Whatever Happened To The Man Of Tomorrow?" (written by Alan Moore, pencilled by Curt Swan, and inked by George Perez and Kurt Schaffenberger). Of course, there wasn't much new on this reading. In fact, I knew it would be 90% depressing (with the 10% for that last wink), and once again, it was. I mean, it's a well-constructed story, and it looks great, but it's not exactly a victory lap for 48 years' worth of Superman stories. I suppose it works pretty well as a bookend for the very first Clark/Lois scenes in Action vol. 1 #1, and it pretty much puts a period on all the Silver Age wackiness, but otherwise it's just kinda brutal.
Okay, I can't end on a down note, so I forgot about one book from last weekend -- Matt Fraction and Daniel Aja's first Hawkeye paperback. I had high expectations for this book, based on its rave reviews, and it is pretty fun. I liked Hawkeye already, but Kate, the Tracksuit Mafia, and (obviously) the dog are new to me, and I'm digging them too. So, yay Hawkeye!
Mark Kardwell
So last Sunday was St. Patrick's Day, and completely coincidentally I read Jean Van Hamme and Jean Giraud's "The Irish Version," the latest XIII translation from Cinebook. It's got its problems, but I liked it a lot. Both the Belgian writer and the late legendary French artist have done a lot of research, all gratifying, all visible on the page. The translator, Jerome Saincantin, has also done an outstanding job, capturing the unique colloquial rhythms and dialects of Northern Ireland. It's a pet peeve when any publisher shrinks a European album to give it the same spine length as an American comic: it makes everything seem a little cramped afterwards. The reproduction seems a little dark in places, too, probably because of the paper stock. Basically all my problems with the book come from me being a grumpy old man whose eyesight isn't as good as it used to be. The best comic about the conflict in Northern Ireland remains Garth Ennis and John McCrea's Troubled Souls, though they'd probably both be a little embarrassed to be reminded of it now. Ennis understood that all the political theory and flags used by both sides were just smokescreens to cover gangsterism and a shitty little tribal war. Van Hamme, as an outsider, takes the political arguments a little too much at face value. Some of us were born into this crap, we can't see the grand sweep of European history. We're too busy resenting our neighbors for supporting the wrong football team.
Brigid Alverson
Native American Classics is the latest anthology from the Graphic Classics folks, and like all the previous volumes, it is colorful, interesting and a bit surprising. Editor Tom Pomplun has assembled a set of poems and stories written between about 1850 and 1920, and while some are traditional folk stories, others document the ways that Native Americans and Anglos rubbed up against one another. These are not happy stories: In "The Soft-Hearted Sioux," a young man turns against his upbringing and becomes a missionary, with disastrous results. In "The Middle-Man," a Cherokee man is complicit in swindling an older woman. Most of the contributors are Native Americans, and this slim volume encompasses a wide range of art and storytelling styles. I wouldn't try to read it through at one sitting, but it's great to dip into and read a couple of stories at a time.
My kids are big Adventure Time fans, but my kids are 18 and 20. I just read the latest two issues of BOOM!'s comic, Adventure Time #13 and 14, and I thought a lot of the main story would fly right over a seven-year-old's head. Maybe they just skip the words and focus on the action? There's lots of imaginative fighting, as Finn, Jake and Princess Marcelline face off against a digital monster made up of zillions of computers and video games. It's a cool story and handled in an imaginative way, both visually and verbally. What I enjoyed even more, though, was the two-part side story by Chris Schweizer, "Princess of Rad Hats," in which Finn accidentally becomes a princess and has to take on all the responsibilities and privileges thereof. It's a funny spin on princess movie clichés, with a clever twist ending.
Tim O'Shea
The Superior Spider-Man #6: Writer Dan Slott has set out to show how Doc Ock, when given the chance is actually the worst Spider-Man ever—the farthest from superior. It is amazing how much, despite Ock's best intentions at times, his insecurities dictate his actions. I would love to know what little people advocates think of the introduction of Anna Maria Marconi to the cast. Here's hoping that the "Parker pursues his PhD" plotline or at the very least Marconi stays in the Spidey universe after this Ock plotline is resolved. It's refreshing to have a unique person who is not defined by her condition (though it is clearly exploited in this issue) and it would be great if she became a cast regular.
Captain Marvel #11: In terms of enjoying the writing, it drives me crazy when two people are writing (in this case Kelly Sue DeConnick and Christopher Sebela). If I enjoy the dialogue, who do I credit for that, is DeConnick plotting while Sebela handles dialogue? Who knows. But anyhow, a grounded Carol Danvers gives the writing team a chance to explore other ways she can use her skills without exacerbating her ongoing medical condition that prevents her from flying. Also, kudos to whomever added Dakota North to the cast, it would make sense that she and Danvers would click. As a person who bailed because of weak art at the start of this series, I must stress how while Filipe Andrade has a quirky art style, I think it works well for this series.
Daredevil #24: I know we already have 400 Avengers titles, but writer Mark Waid and artist Chris Samnee should have an Avengers book. In two pages, Daredevil and Hank Pym have one of the most hilarious phone conversations I have seen in a comic. And it's all because Hank changes sizes throughout the exchange. At first, Matt complains because Hank is shouting into the phone (because he is giant sized), later on he laments that "you sound like a cartoon mouse" as he becomes the size of the cell phone. Samnee pulls the whole thing off effortlessly and even tosses in a great bit where Murdock is ID'd on his phone in silhouette in a way that looks like he is DD, but is not DD. You have to see it to understand. But it is a subtle touch that Samnee executes seamlessly (with a major color assist by Javier Rodriquez. Extra points to Waid for juggling Murdock's civilian life and hero life in a balanced manner.
Indestructible Hulk #5: As much as I love Waid's writing on this series, Leinil Francis Yu's art is hindering my ability to heartily recommend this series. I really gave it a try, thinking: "It's not Yu, it's me." (pun intended). I must stress, Yu has a spectacular eye for layout and can draw monsters like few others—but respected veteran inker Gerry Alanguilan's penchant for detail in faces and bodies overburdens the art. Going forward, as teased in the last page of this issue: "Next Issue: 04013--Hulk. Thor. Simonson. 'Nuff said." No way I am giving up on the series as a whole with plans like that in the pipeline. If any Yu/Alanguilan fans would love to make a case in the comments section for what I am failing to appreciate about their work, please know I am always willing to consider other views.
David Dwonch
Right now I'm catching up on stuff I've picked up recently at conventions. Lots of odds and ends and surprise finds, and nothing more surprising comes to mind than Trip Fantastic. Originally launched as a webseries at tripfantasticonline.com, and seeing print after a successful Kickstarter, Trip Fantastic tells the story rise and fall of Trip Fantastic, the world's most beloved reality TV star drug addled daredevil. The story is a bit all over the place, but it's meant to be, as we follow Trip down the rabbit hole of his own psyche. Writers Jason Baxter and Mac Hamilton do a great job developing Trip and his oddball cast of tagalongs, and Derek Charm's art is just absolutely amazing. Charm's art is a mixture of anime, Darwyn Cooke, and indie flair that just beats you into submission, almost daring you to be offended by his palette choices. And it all works so brilliantly, you can't help but be along for Trip Fantastic's train wreck of a life.
Initially I wrote Saga off as a simple star crossed Romeo and Juliet story, but after hearing so many great reviews I picked up the first trade to find out ... that's exactly what it is. Fortunately, BKV and Fiona Staples are master storytellers and they've created a universe that is oddly familiar and accessible, yet also batshit crazy. I'm catching up now (just finished issue 8) and Saga continues to win me over. It feels like home, somehow.
I picked up the Nausicaa of the Valley of the Wind manga collection a couple months back, and I'm slowly working my way through the series. I remember loving the movie as a kid, and the manga is reminding me why it was so important to me then. Miyazaki was on another level even back then; his attention to detail, his unique sensibilities, storytelling and message is all on the page. I'm doing my best to savor it.


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The waste land: Tackling France's illegal dumping
Issued on: Modified:
This week, we're shining the spotlight on a surprising form of pollution. As a nation, France is committed to cleaning up its environmental act. But on the ground, local authorities are facing a growing and worrying phenomenon: unlawful waste disposal. We take a closer look at the problem and the solutions being proposed.


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In the last week, Moira has gone from watching the food go into my mouth very carefully to trying to grab it from my hands. She especially likes bottles, which are fun to chew. She also likes to make chewing motions when she sees us eat. However, when I've tried to give her sips of water, she tries to suck instead. Dear baby, you are obviously not ready. Calm down and figure out how to sit up on your first, then we can talk about food.
I can haz drinks?
Originally uploaded by Maydela
I can haz drinks?
Originally uploaded by Maydela
My next door neighbor invited me to join her quilt group and showed me the quilts she's made, including a take off on the Candyland board with coffee instead. She even made little playing pieces and a die. Now I'm both excited and totally intimidated. Also, she told me that the giant vine taking over my side yard is a Kiwi. She thinks the gigantic one is the female, and the tiny one in the corner is the male, so theoretically we could have kiwi fruits. I wonder what the growing season for those is.
I've decided to make Moira a set of plushy dice for Christmas. I got the 4 sider most of the way finished this weekend. I'm really pleased with it. We'll see if I still think this is a good idea when I get to the 10 sider.


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WORCESTER – Three men and one women from Worcester were arrested on Wednesday charged in federal court along with six additional defendants in connection with a joint federal and state investigation targeting narcotics trafficking in central Massachusetts.
Jose Ortiz, 57; Roberto Ortiz 58; and Gilberto Victoriano 51, all of Worcester, were each charged with two counts of possession with intent to distribute heroin and one count of conspiracy to violate the drug laws. The Ortiz brothers and Victoriano face a minimum of three and a half years in the House of Correction and up to 15 years in state prison. Caroline Cartagena, 43, of Worcester, was charged with one count of trafficking in over 200 grams of cocaine. She faces a minimum of 12 years in the House of Correction and up to 20 years in state prison.
The main targets of the investigation — Carlos Rodriguez, 42; Ernesto Rodriguez, 48; and Joshua Sanchez, 27, all of Lawrence, and Jorge Burgos, 39, of Leominster — were charged with conspiring to distribute and possess with the intent to distribute in excess of 100 grams of heroin and fentanyl, possession with the intent to distribute heroin and fentanyl, and use of a telecommunications facility in furtherance of narcotics trafficking.
Sanchez and Burgos appeared in federal court in Worcester today and were ordered detained pending a detention hearing on Feb. 16, 2018. Carlos and Ernesto Rodriguez will appear in federal court in Worcester on Thursday.
Tina Murphy, 40, of Shirley, was charged with one count of distribution of fentanyl and one count of conspiracy to violate the drug laws. Murphy faces no greater than two and a half years in the House of Correction. The remaining defendant is still at-large.
According to federal court documents, as a result of various wiretaps capturing the defendants' discussions of sales and purchases of heroin/fentanyl, in November and December 2017, law enforcement agents conducted surveillance of Burgos purchasing heroin for resale from Carlos Rodriguez, Ernesto Rodriguez, and others.
In addition, on Dec. 19, 2017, law enforcement stopped Sanchez after he left Carlos Rodriguez's home and found Sanchez in possession of approximately 60 grams of suspected heroin/fentanyl. The following day, after intercepted communications suggested that Carlos Rodriguez would be delivering 50 grams of heroin to Burgos at his residence in Leominster, agents conducted a vehicle stop of the vehicle Carlos Rodriguez was driving and recovered approximately 50 grams of suspected heroin and/or fentanyl. Further investigation led to the recovery of at least 100 additional grams of suspected heroin and fentanyl from Ernesto Rodriguez. It is further alleged that intercepted communications captured Carlos Rodriguez discussing with Burgos how agents had stopped him on the way to Burgos' residence and captured him discussing with another individual where to hide a firearm from authorities.
Additional intercepts of Burgos' phone on Dec. 27, 2017, included discussions that agents believed to relate to a number of firearms hidden on Burgos' property.
The charge of conspiring to distribute in excess of 100 grams of heroin provides for a mandatory minimum sentence of five years and up to 40 years in prison, at least four years and up to a lifetime of supervised release, and a fine of up to $5 million. The charge of possession of heroin and fentanyl with the intent to distribute provides for a sentence of no greater than 20 years in prison, at least three years and up to a lifetime of supervised release, and a fine of up to $1 million. The charge of use of a telecommunications device in furtherance of a narcotics offense provides for a sentence of no greater than four years in prison, up to one year of supervised release, and a fine of up to $250,000. Sentences are imposed by a federal district court judge based upon the U.S. Sentencing Guidelines and other statutory factors.


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Develop an emerging job portal using advanced technologies. This advanced platform facilitates job seekers to connect with recruiters on a global level. Naukri.com is the biggest online job portal, which has the largest network of clients and businesses in all possible fields. It analysis the job profiles automatically and provides with accurate results while reducing the hustle-bustle of finding the right candidate for desire role. Job Portal Development Company mainly simplifies the process and make it more rewarding. It allows recruiters to interact on a wider level while integrating multiple languages. It's a successful platform for the opportunistic people. It has proved the critics wrong and given an ample amount of opportunities to job seekers.
According to the World Employment and Social Outlook: Trends 2018, the global unemployment rate has been stabilizing after a rise in 2016. It is expected to have reached 5.6 percent in 2017, with the total number of unemployed exceeding 192 million persons.(Source)
Job Portal development is the answer to unemployment as this portal helps people to gain employment of their choice and get the desired result. This fast and secure job portal comes with a comprehensive range of features which will help you understand the cost of job search software.
Discover Advanced Features of Job Portal Development
1. Not Industry Specific: – Job portal is one place where candidates from all streams can apply for the job. It consists of job catalog from every sector and industry providing lucrative opportunities for individuals. Its user-friendly search option can be categorized on the basis of location, remuneration, keyword search, etc.
2. Unlimited Job Posts: – Job search software provides with unlimited job posts. It enables people to find numerous jobs while providing recruiters with the opportunity to post unlimited job posts.
3. Integrated with leading Payment Gateway: – Integrating secure payment mode is the highest priority for any job portal development company. While development makes sure to add a leading payment gateway for making it more secure and reliable.
4. Access to Employer Profile: – It allows employers to register and display their company profile for job seekers. It allows candidates to get access to complete company profile and get the required information.
5. Manage Data Securely: – For any online recruitment software, it must secure the data considerably. Implementing the latest technology is a must to secure the data. Job portal keeps all the data related to users, recruiters, resume uploaded, organization data secure protecting the business integrity.
The Benefit of Job Portal to Job Seeker and Recruiters
- Reduces Job Marketing Cost
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Cost To Develop Job Portal Like naukri.com
The cost of job Portal development and app development depends on certain factors. From the visual of the Mobile app development to its performance everything cost a certain amount of money when we talk about development cost. The overall development cost of choosing a platform to build the panel starts from $5000 to $15000. It may cost higher, or lesser depending on the features and functionality of the app.
1. Application Type: – There are fundamentally three types of apps:
1. Native Apps
2. Hybrid Apps
3. Web Apps
Hence, the development cost differs depending on the application type you choose. Android app development and iOS app development, both the options are available depending on client business requirement, which impacts the development cost. You can hire a mobile app developer for greater results.
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3. App Complexity:- Complexity of a mobile app is determined by its features and functionality. To help you understand basic apps are the one that comes with regular features require basic UI components and pre-defined backend with templates and analytic features. Then comes the mid-level app, which includes extra features and like integration with the API, simple backend structure, real-time messaging option with less complexity. And the last is a high-level App which, is equipped with top functionality features like custom animations, database relationship, media processing, real-time synchronization, and much more elaborate features.
4. API Development Cost:- API is the Application Program Interface. It defines the accurate way for a developer to write a program that requests services from an operating system. It is developed as per the customer requirement to fulfill their needs and requirements. APIs is increasingly generalized validation of API structure is remarkably essential for any app developer.
5. App Design:- Wireframing, UI design, Animation these are the factors that really impact the cost of the mobile app development. App design is the most crucial part of the app development as it makes the app unique and makes its unique identity. Generally, there are two options to design the app, custom and standard UI. Customized UI as compare to standard UI is more complex and expensive.
6. App Updates:- Apps need the update on a consistent basis. To keep your app updated and maintained its very significant to maintain the app developer.
7. Operating System:- To keep your apps compatible with the latest version of Android and IOS, it's remarkably essential to keep it up to date.
8. App Libraries:- Most of the apps use a third-party library which will get broken unless updated. Hence, timely updates are mandatory.
9. Security Bugs:- Once the app is distributed, it can be affected by bugs at any point. Hence, it's essential to update the app in order to fix the bugs.
Estimating the total Job portal development cost is quite an intimidating task. Recruitment software for agencies is mainly designed keeping productivity, and profitability in mind. All the features, designs, and the complexity of development define the estimated cost of job portal app development.
According to the current standard, the cost of the job portal, & the mobile app development is approx $1500 – $3000. It may vary depending on the physical location of the developer or other complexities of the app development process.
BR Sotech is one of the leading Job portal development company. We provide with a free consultation and exclusive Job portal development services. The overall cost of developing an app for a job portal basically depends on its basic features. We offer Standalone Software, Market Modules, On Page SEO, Advanced Search, Filter Module and outstanding services.


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Natural fragrances are composed of incredible quantity more or less complex ingredients. The same is also valid for synthetic fragrance. Almost every fragrance ingredient has its specific scent, but that is not enough for building effective fragrant product. Recently I analyzed our production and came to conclusion, that we must use many ingredients to compose only 3 basic products. What can we do for simpler fulfilling by maintaining same high quality of products?
For SME (Small and Medium Enterprise) direct sources are scarce opportunity. It is a problem for procurement of natural resources as synthetic ingredients. It is huge task to organize production of agricultural raw materials and organize a chain from basic plant material till end product (raw extracted or already processed to natural ingredients). If you have some local production you can do that but raw materials are spread around a world. Specialized organizations are much moreeeffective for this task.
Similar situation is for synthetic ingredients. As SME you probably don't by chemicals in containers or silo. The biggest order is in range of barrels or 1000 kg containers. Fragrance compounding demands also many ingredients in 1% or less in composition. In my opinion only reliable source are specialized companies that deal with big warehouses and as many as possible customers. Fortunately there are some very trustworthy enterprises with offers suitable for SME. For some bulk chemicals it is possible to find long term partners with very good service and reliable prices.
SME in fragrance production have average production of 1000 to 4000 tons with average of 100 kg batch, many ingredients must be purchased in 1 to 10 kg range. Not a big issue for specialties (all users pay about a same price) but for common about 2000 materials you have big problem for achieving reasonable prices to have production cost control. Another issue is a problem of shelf life of many ingredients. There are some with shelf life about 1 year most of them can last 3 under good storing conditions and few more. Good warehousing with oxidation prevention system and possibility of temperature control are base for good ingredients control and avoiding of production problems. Actually most of us control production so well, that rejection of batches is quite low. Good information system and careful planning of sales is issue that demands careful data acquisition and coordination of sales data. Good cooperation between purchase and sales personal is big advantage and can produce extra profit.
Based on my experience inventory of expensive materials is quite large and has turnover maybe half a year or more. Most used materials are not so expensive and also turnaround can be under 2 months in some cases under 1 month. Generally greatest task is to maintain actual data of inventory to avoid unnecessary dispatching of ingredients that exceed shelf life. There is good and skilled laboratory staff of great value by control of quality. Beside of producers documentation for maintaining even quality input control of core materials is crucial. Practically you should trace all data about input batches and documentation to avoid surprises.
Great help are properly maintained warehouses designed correctly as for fast approach to materials as for safety (fire safety). Nitrogen and temperature control should be on high level.
In fragrance business we have to solve a challenge how to optimize production with optimal flow of ingredients, utilization of sources (people and equipment). SME have investment limits for investment into oversized capacity so bottlenecks in production can occur any time. Variation in load (orders) are another challenge for employees. Here very small companies (family owned and managed) can find advantage and flexibility for customer. Most of SME will be in situation to apply over time work for satisfaction of customers' wishes. Procurement and marketing must cooperate with production based on exchange of trusted data and by avoiding collisions between input and output demands. By very fast change of market demands processing times under 1 week are needed. Perfect coordination between sales team, perfumer`s staff and ingredients procurement can "save life".
I have outlined some general aspects of ingredients procurement. It is not possible to avoid discussion about other business processes in this issue, because we can optimize ingredients flow only in case of good planning and cooperation of all business functions.


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What time does the 2019 French MotoGP™ start in Australia?
The 2019 MotoGP™ season continues with the French Grand Prix at Le Mans this weekend.
Australian television audiences can watch every session of MotoGP™, Moto2™ and Moto3™ live in HD and ad-break free on Fox Sports in 2019.
Live streaming is available for compatible devices, in HD and on demand with Kayo Sports.
Here is everything you need to know, including the start time and race info, for the 2019 French Grand Prix.
When is the French MotoGP™?
The fifth race of the 2019 MotoGP™ season takes place on Sunday 19 May.
Practice begins on Friday 17 May with FP1 and FP2, followed by FP3, FP4 and qualifying on Saturday 18 May.
What time does the French MotoGP™ start?
The Grand Prix of France starts at 2.00pm local time on Sunday 19 May, which is 10.00pm Australian Eastern Standard Time (AEST) on Sunday 19 May.
The AEST for each session is as follows:
- Practice 1: Friday 5.55pm-6.40pm AEST
- Practice 2: Friday 10.10pm-10.55pm AEST
- Practice 3: Saturday 5.55pm-6.40pm AEST
- Practice 4: Saturday 9.30pm-10.00pm AEST
- Qualifying 1: Saturday 10.10pm-10.25pm AEST
- Qualifying 2: Saturday 10.35pm-10.50pm AEST
- Warm-Up: Sunday 5.40pm-6.00pm AEST
- Race: Sunday 10.00pm AEST
- Practice 1: Friday 6.55pm-7.35pm AEST
- Practice 2: Friday 11.10pm-11.50pm AEST
- Practice 3: Saturday 6.55pm-7.35pm AEST
- Qualifying 1: Saturday 11.05pm-11.20pm AEST
- Qualifying 2: Saturday 11.30pm-11:45pm AEST
- Warm-Up: Sunday 5.10pm-5.30pm AEST
- Race: Sunday 8.20pm AEST
- Practice 1: Friday 5.00pm-5.40pm AEST
- Practice 2: Friday 9.15pm-9.55pm AEST
- Practice 3: Saturday 5.00pm-5.40pm AEST
- Qualifying 1: Saturday 8.35pm-8.50pm AEST
- Qualifying 2: Saturday 9.00pm-9.15pm AEST
- Warm-Up: Sunday 4.40pm-5.00pm AEST
- Race: Sunday 7.00pm AEST
Where is the French Grand Prix held and how many laps is it?
The race takes place at Le Mans.
MotoGP™ riders will race 27 laps covering a total distance of 113.0 km.
What TV channel is the French Grand Prix on in Australia?
Live television coverage in Australia of each MotoGP™, Moto2™ and Moto3™ session is on Fox Sports.
Live streaming is available for compatible devices, in HD and on demand with Kayo Sports.
For free-to-air viewers, 10 Bold will show the MotoGP™ race live from 9.30pm AEST on Sunday 19 April.
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Date & Time
Hello and welcome back!! My Third Grade Class Open House Night will be on Wednesday, August 29, 2018 from 5:00-6:30 pm in room 209! Please bring all of your supplies, including your gym shoes for Phy. Ed. class, at this time. Thank you and I look forward to meeting everyone!


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Dr. Justin Chi shows us a digital dentistry case utilizing BruxZir® NOW. Then, Gary the Lawyer discusses breaking HIPAA news that you can't afford to miss!
In this Case of the Week, check out BruxZir® NOW in action! Watch as Dr. Siamak Abai mills and delivers a high-strength, authentic BruxZir Solid Zirconia restoration in a single appointment.
In this episode of Chairside Live, Dr. Siamak Abai and Dr. Justin Chi present their most recent cases involving BruxZir® NOW, the latest innovation in our line of BruxZir Solid Zirconia products.
In our first newly redesigned episode, Dr. Justin Chi presents a BruxZir® NOW case, where he explores what we call the BruxZir NOW Enhanced Esthetic technique. Then, it's time to take a brief tour of our implant manufacturing facility with Grant Bullis, vice president and general manager of our Implant division.
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Liberal utopia of San Francisco: People are pooping more than ever on the streets of San Francisco
by DCG Demorats have turned San Francisco into a literal sh*thole. From SF Gate: One of America's wealthiest cities has a huge problem with public poop. Between 2011 and 2018, San Francisco … Read more


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BEDMINSTER, NJ -- Work is progressing on improvements and upgrades to drainage and athletic facilities at Pluckemin Schoolhouse Park on Burnt Mills Road.
Committeeman Douglas Stevinson provided an update at the Oct. 7 Bedminster Township Committee meeting.
"The basketball court there was in desperate need of resurfacing," Stevinson said. "(When) we put shovels in the ground and realized the drainage is actually part of the problem."
Stevinson said that the basketball court at the park is in the process of being raised to be more level with the pavilion area. This way, the committeeman said, "you don't have that runoff down the hill, which causes the cracking and the pitting that causes the failure of the basketball surface itself."
Stevinson also said that the fence at the existing baseball field might be removed and repositioned to the back part of the property, "where it gets very sloppy and wet." He said that by running this line along the back, the entire field would then be opened up to be usable.
"All of the draining has been rerouted away from these areas (the basketball court and ball field) to get it off the playing surfaces and out of the field," Stevinson said.
"It's coming along very, very well."


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The Independent Investor: Make Vietnam Great Again?
Funny things happen when our government starts tinkering with the economy in a big way. Unpredictable results, unintended consequences, and confusion often result. U.S. tariffs on China is a case in point.
Now to hear it from the White House, slapping tariffs on imports from China is going to change the entire equation of how companies do business. As it becomes more expensive to import from China, Donald Trump promised that other foreign countries were going to flock to the U.S. creating more jobs, more tax revenues, and generally become a big part of "making the U.S. great again."
So far, the president is half right. Over 50 multinational companies have announced plans to shift production out of China as a result of the 25 percent tariffs placed on $200 billion of Chinese imports. That trend is expected to accelerate if (and when) the U.S. levies even higher tariffs on China, since President Trump is threatening to add duties on another $325 billion of Chinese goods.
American computer makers such as Dell and HP plan to move as much as 30 percent of their computer notebook production out of China. Apple is assessing a similar move with 15-30 percent of their Chinese production. However, none of those companies intend to bring that capacity back to America. Vietnam, India, Thailand, and other Southeast Asian countries are the intended new centers of this manufacturing.
And it is not just non-Chinese companies that are re-thinking their production strategies. Several Chinese companies are also hedging their bets and shifting their businesses elsewhere, most notably to Vietnam. The Chinese government, in response, is doing all they can to retain and attract companies to their shores. Last month, the Chinese said they would ease restrictions on foreign investment in seven sectors, including the energy area. The financial sector is also an area that the government plans to open up to foreign investment.
Since Vietnam shares a border with China, it has benefited the most from the trade war. It is fast becoming a center for many manufacturers of electrical and electronic equipment. Two of the world's technology behemoths, Korea's Samsung Electronics and Japan's Kyocera, are making printers, smartphones and a variety of other technology products in the country.
The rush to establish new supply chains has been so huge, that it has boosted the GDP of Vietnam last year by almost 8 percent. The country's trade surplus with the U.S. has exceeded $20 billion since 2014,.and last year, it hit the highest level of surplus (almost $40 billion) in several decades.
Vietnam's windfall has not escaped the ire of the Trump Administration. The president has called the country "the single worst abuser of everybody" when it comes to unfair trade. The U.S. Treasury has recently added Vietnam to its watchlist of countries it is monitoring for possible currency manipulation. It is also looking into claims that Chinese exporters are routing their exports through Vietnam, then re-labeling their products with fake "made in Vietnam" labels to avoid the U.S. tariffs.
Vietnam is simply an example of what can happen when governments micro-manage trade and the economy. Our actions have succeeded in making Vietnam great again, something that doesn't sit well with me, a Vietnam Vet.
In response, sure, we can plug the leak in the dike by placing tariffs on Vietnamese imports, but then what? Diverting trade away from Vietnam won't mean more jobs or benefits for America. The tariff trade will simply be re-routed to other countries that can make them for less and have the skilled workers to do the job. Nonetheless, for those without a handle on how global economics and trade truly work, slapping tariffs on countries plays well with Main Street and that's what the president is counting on.
Bill Schmick is registered as an investment adviser representative and portfolio manager with Berkshire Money Management (BMM), managing over $400 million for investors in the Berkshires. Bill's forecasts and opinions are purely his own. None of the information presented here should be construed as an endorsement of BMM or a solicitation to become a client of BMM. Direct inquiries to Bill at 1-888-232-6072 (toll free) or email him at email@example.com.
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The Independent Investor: Paid Family & Medical Leave Overdue
Paid family and medical leave are long-overdue in this country
What do the United States, Papua New Guinea and Oman have in common? Those are the only three countries in the world that do not legally obligate employers or taxpayers to pay for maternity leave.
Many American businesspeople will hide behind a knee-jerk response to the above statement: "We are a free-market society," they will argue, "and paid leave is paramount to just another form of socialism."
Good try, but that old argument is no longer based in facts. Free markets have given way to corporate socialism in this country, while corporations are now legally considered to have the same rights as individuals.
As such, individuals have a moral responsibility to protect and care for future generations. They have an obligation to society. Giving paid leave to American workers, not only to deliver and care for their young, but also to provide income during serious medical conditions, cannot be left to the whims (and greed) of our corporate community. As it stands, after decades of waiting, a mere 15 percent of companies have voluntarily instituted paid leave to their workers, according to a 2017 Bureau of Labor Statistic report.
The fact that for the last several years, corporations have banked stupendous profits and now carry more cash on the books than ever before just makes their failure all the more apparent, if not disgusting. To be fair, there are some companies such as Microsoft, IBM, Netflix, American Express, Citigroup and, of course, Berkshire Money Management that do pay for parental and medical leave.
Take my own case as an example. As many readers are aware, I have had some serious medical problems over the course of the last few years. Two knee replacements kept me out of work for about five months. And then there was that bout with prostate cancer in 2017. Not only did the company pay me while I was out, but management sat in the waiting room with my wife throughout my surgeries.
Can you guess how I felt when I returned to work? I have spent the last two years working like a maniac to not only make up for that time loss, but also to show my gratitude for all the company has done for me. And I'm not the only one.
Our compliance officer, Jayne, within her first year of employment at BMM, had her second child, Marigold. Once again, BMM not only paid for 13 weeks of maternity leave, but went the extra mile when Marigold refused to take the bottle. We hired a nanny to baby-sit in the office for weeks and weeks so Jayne could come to work with her child until she was over that hurdle.
"Both my morale and productivity took a great leap forward as a result," Jayne said. "Knowing that both I and my child were so well-supported reduced my worry dramatically and allowed me to work that much harder here."
As of today, only six states — California, New Jersey, Rhode Island, New York, Washington, Massachusetts — and the District of Columbia have passed paid family-leave programs. Massachusetts, which passed their legislation last year has delayed implementation of their program until October 2019.
Their law provides workers with 12 weeks of family leave and 20 weeks of personal medical leave. Workers on paid leave will earn 80 percent of their wages, up to 50 percent of the state's average weekly wage, and then 50 percent of wages above that amount.
The employer pays at least 60 percent of the medical leave contribution required for each employee, but none of the family leave contributions. The worker picks up the rest via a fund which will tax an employee's earnings.
Although the Federal government does have a Family and Medical Leave Act (FMLA) passed in 1993, it only protects the worker from being fired or excluded from a company's group health insurance coverage and then only for a certain time period.
The entire charade of hiding behind some mythical form of capitalism to justify this failure by our nation is inexcusable. Eighty-two percent of participants in a Pew Research Center poll believed new mothers should have paid time off while 69 percent said the benefit should apply to fathers as well.
Of course, simply because the majority of Americans want, even demand, something from their government is no guarantee that Congress or the president will listen. It's campaign season, so let's make this an issue for the candidates.
Bill Schmick is registered as an investment adviser representative and portfolio manager with Berkshire Money Management (BMM), managing over $400 million for investors in the Berkshires. Bill's forecasts and opinions are purely his own. None of the information presented here should be construed as an endorsement of BMM or a solicitation to become a client of BMM. Direct inquiries to Bill at 1-888-232-6072 (toll free) or email him at firstname.lastname@example.com.
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@theMarket: Looking Ahead
Will the second half of the year be as good as the first half for the markets?
The S&P 500 Index finished up 18 percent for the six months ending June 30. That was the best first half since 1997. Historically, that kind of return is three times the gains investors can normally expect from the market in an average year. The chance of a repeat performance in the next six months is, at best, remote.
That doesn't necessarily mean this is as good as it gets for stock investors. My near-term target for the S&P 500 Index is somewhere around 3,050, which is a further 4 percent gain from here. From my vantage point, as long as interest rates continue to decline and the Fed stays at least neutral, we go higher.
For the time being, the China trade tariff worries are off the table. As I predicted last week before the G-20 meeting, Donald Trump adhered to his "speak loudly, but carry a little stick" foreign policy. He relented on a number of issues, including holding off on any further tariffs on China, at least for the time being.
While the markets rallied on Monday as a result, they quickly gave back their gains since investors are beginning to learn that not everything that our president says will necessarily be accurate, or when it is, his statements are almost always an exaggeration of reality. The Fed, on the other hand, is a different kettle of fish.
You might ask why the markets are continuing to rise when economic growth here and abroad continues to slow. First, recognize that the economy and the stock market are two different entities. What may not be good for Main Street (slowing employment gains, sluggish business investments, weakening quarterly earnings), in this case, increases the chances that the Fed will cut interest rates as early as this month and that would be good for the markets.
At this point, despite the Fed's refusal to confirm or deny an interest rate cut, the financial markets are convinced they will cut. The odds of a Fed interest rate cut by July 31 have surged to 100 percent. While 72 percent of traders are counting on a quarter-point cut, almost 28 percent of traders are expecting a half-point cut. That in itself is astounding, since the Fed has not cut rates by that much in many years. Over 60 percent of bond traders are also counting on another rate cut as early as September, according to CME Fedwatch.
Whenever the markets are unanimous about anything, I usually feel the hairs on my neck begin to tingle. Given that the stock markets are climbing, based on that interest rate assumption, it behooves the investor to ask what will happen if everyone has it wrong and the Fed doesn't cut? The short answer would be look out below.
And as we close out this holiday-shortened week, remember that when we get back second-quarter earnings season will be upon us. Right now, consensus for second-quarter earnings results for the S&P 500 is a scant 0.2 percent. Third quarter estimates are not much better ( 0.7 percent gains). What is concerning to me is how corporate managements are going to spin the impact of the existing tariffs on their bottom line.
In past quarters, analysts have ratcheted down their earnings expectations to such a low levels that investors were pleasantly surprised when companies announced better than expected earnings and sales guidance. It could happen again, so let's say I am neutral on earnings results until we see how many beats versus misses happen early on.
In any case, it appears the administration is bringing out the Big Guns to pressure the Fed into cutting rates this month. Don't underestimate Trump's ability to influence events in that area. Trump believes that the Fed should be his policy instrument and an extension of his presidential power in the financial arena. He has already threatened to fire, replace, or demote the Fed's Chair, Jerome Powell (his appointee), several times.
In a further attempt at bringing the Fed under his control, this week Trump has proposed two more additions to the Federal Reserve Board, Christopher Waller and Judy Shelton. Both candidates appear to be far less independent than past candidates for the job. One of the two (Shelton) has already expressed a desire to see interest rates in the U.S. at 0 percent within the next year or two. That should be music to the ears of the president.
In any case, enjoy the markets, enjoy the Fourth of July, and I'll see you after the holiday.
Bill Schmick is registered as an investment adviser representative and portfolio manager with Berkshire Money Management (BMM), managing over $400 million for investors in the Berkshires. Bill's forecasts and opinions are purely his own. None of the information presented here should be construed as an endorsement of BMM or a solicitation to become a client of BMM. Direct inquiries to Bill at 1-888-232-6072 (toll free) or email him at email@example.com.
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The Independent Investor: Home Equity Can Pay for Long-Term Care
A home equity conversion mortgage (HECM) might simply be a fancy term for a reverse mortgage, but there are an increasing number of advisers and planners who are using them for an entirely different strategic planning purpose.
If you ask most couples in their 60s and beyond what is one of the greatest fears for their future, I'm betting that going bankrupt and/or losing their home and life savings as a result of nursing home bills would be right up there near the top.
We all have horror stories to tell of how one or both spouses needed to go into a nursing home and the costs drained all their assets and then some. Before they could apply for Medicaid, they had to go through everything they own — their home, their retirement and savings accounts — all gone. Only then could they qualify for government assistance, which usually means and ending up on a Medicaid waiting list for a remote, tiny room in a facility for the remainder of their lives.
That, my dear reader, is not the kind of "living the dream" Americans have in mind when they think of their future retirement years. Now, of course, the knee-jerk answer to this ever-present nightmare is long-term care insurance Any financial planner worth their salt will tell the average consumer to buy insurance, but there is lots of downside in following that avenue.
Let's take a 65-year-old couple shopping around for this insurance. For the husband, it will probably cost him double what it will cost his wife: A premium of $4,543.76, while the wife pays $2,825.97. That comes to $7,369.73 per year for the couple. And that is only if their health qualifies them for insurance in the first place. These are not fictitious numbers, but taken from a recent Cross Insurance estimate for these 65-year-old sample customers.
In exchange, you get three years of coverage, with a $5,000 monthly benefit (up to $180,000 total) in home care benefits. You will then have to re-new the policy every three years (most likely at higher premiums), regardless of whether or not you used the coverage. For a retired couple watching their finances, living off Social Security and, hopefully, some retirement savings, that's a fairly high expense. In addition, there are many facilities that charge far more than $5,000 a month for the care they give.
However, over the past few years, a number of financial planners have discovered a way to tap into a retiree's home equity in the event that the worst happens and one or the other of you needs outside care. In its simplest form, a couple (of which at least one must be 62 years of age or older), can take out a HECM, or what amounts to a reverse mortgage. But instead of receiving a standard monthly payment, you elect not to take these distributions until the day you need the money to pay for outside nursing care.
Let's take an example where you own your own home, debt-free, worth $500,000. The mortgage company does an appraisal and determines they will loan you half of the amount in an HECM. Like any mortgage, you will be charged fees (origination fees, third party fees, etc.) which comes to about $17,000 or about 7-8 percent of the loan. Like any mortgage, you are still responsible for paying the taxes on the home while continuing to maintain the dwelling, etc.
Those payments you would normally receive from a traditional reverse mortgage are, instead, accumulated in your account at the mortgage company year after year. Think of them as a credit line, which grows and grows. Every year they accumulate, you are paid a half percentage point per annum above the yearly London Inter-Bank Offered Rate (LIBOR interest rate). Currently, LIBOR is trading at about 4.5 percent, plus the half point that you receive above that equates to about 5 percent. These payments to your account accumulate at this risk-free rate until you use them.
Better still, the underlying worth of your house can go up or down but has no impact on your future payments. The primary risk you take is that LIBOR fluctuates, causing the payments you receive to rise or fall over time.
The payments keep working for you until such a time you need them. At some point, the inevitable may occur. One or both spouses needs some form of assisted living. In that case, you simply direct the mortgage company to begin paying monthly sums. If you want, you could request the reverse mortgage payments correspond with the monthly expense of the nursing home. Best of all, these payments are tax-free.
As long as one spouse remains in the home, the house is still yours until the spouse dies or has not lived in the property for the last 12 months. At that point, the house reverts to the mortgage company. If, in the meantime, you still have equity in your home, your beneficiaries receive the remaining proceeds.
But what if you never need to go into a nursing home? Conceivably, the credit line you have accumulated can grow until it exceeds the value of your home. If so, you simply call the company and ask them to cut a check for part or all of your credit line. The point is that the HECM is your long-term care insurance, but it pays you rather than the reverse. Your spouse keeps the house, the Social Security payments, the retirement savings, etc. just like before.
In my next column, we will examine other uses of a HECM and dig into the details of the long-term care concept. Stay tuned.
Bill Schmick is registered as an investment adviser representative and portfolio manager with Berkshire Money Management (BMM), managing over $400 million for investors in the Berkshires. Bill's forecasts and opinions are purely his own. None of the information presented here should be construed as an endorsement of BMM or a solicitation to become a client of BMM. Direct inquiries to Bill at 1-888-232-6072 (toll free) or email him at firstname.lastname@example.com.
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@theMarket: G-20 Weighs on Stocks
It wouldn't be a normal weekend in the financial markets without something to worry about. This weekend, it is the meeting of the two presidents, Trump and Xi, in Japan with $350 billion in new tariffs hanging on the outcome. What are the odds that they clinch a deal?
Not great, in my opinion. That doesn't necessarily mean that we need to brace for a worldwide economy-killing deluge of massive tariffs and counter-tariffs either. There is too much at stake for Donald Trump and China knows it. Instead, I expect we will get a classic Trumpian foreign policy "speak loudly and carry a little stick" maneuver.
Robert Lighthizer, our U.S. trade representative, already telegraphed just such an outcome earlier in the week. After a conference call on Monday with his Chinese counterpart, Vice Premier Liu He, several unnamed trade officials indicated that "the U.S. is willing to suspend the next round of tariffs on an additional $300 billion of Chinese imports while Beijing and Washington prepare to resume trade negotiations."
So sometime over the weekend, I expect one of those "my great friend, Xi, and I agreed to further talks, so I will delay implementing these new tariffs" kind of statements from the president. Of course, there will be the usual bluster about how much tariffs will hurt China and how we are making so much money on existing tariffs already, yada, yada, yada.
If my expectations are fulfilled, the markets should once again breathe a great sigh of relief. Stocks will likely rally. The economy will probably continue to slow. I expect businesses will continue to postpone investing while consumer prices on tariff-impacted goods will continue to rise.
Everyone (except Trump's wild-eyed loyalists) realize by now that the existing tariffs are hurting the economy, slowing employment, raising prices and causing more and more distress among the nation's farmers, manufacturers, and technology and retail companies. This year, we should see the largest one-year rise in tariffs since the Smoot-Hawley Tariff of 1930, which precipitated the Great Depreciation.
At the same time, the Fed's Jerome Powell, while acknowledging that the tariffs are hurting the economy, continues to hedge his bets. On Tuesday, he indicated that, contrary to Wall Street's expectations, a July rate cut was not a done deal. That was enough to send the markets lower just as the Dow Jones Industrial Average was about to join the S&P 500 Index in making a new historical high.
All of this week's jitters, however, is simply noise that you, the long-term investor, should ignore. Stocks had a great run last week and needed a pullback. It is that simple, and given the unpredictable nature of our president, pullbacks are increasingly becoming a dime a dozen. We can expect the S&P 500 Index to find support somewhere around 2,875. From where I sit, that simply clears the runway for another major leg up in the markets.
There is always an outside chance that I have it wrong. Could Trump do another "Kim Jong Il Walk Out" like he did in Vietnam a few months ago? If he does, or simply fails to cut any kind of deal (a low probability event in my view) then look out below. Markets will swoon, but at that point we should expect to see a central bank rate cut in July, which would support the markets.
Bill Schmick is registered as an investment adviser representative and portfolio manager with Berkshire Money Management (BMM), managing over $400 million for investors in the Berkshires. Bill's forecasts and opinions are purely his own. None of the information presented here should be construed as an endorsement of BMM or a solicitation to become a client of BMM. Direct inquiries to Bill at 1-888-232-6072 (toll free) or email him at firstname.lastname@example.com.
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PAN card, being one of the most important documents, is essential to file income tax. However, your PAN card could be of no use if you fail to follow the Supreme Court's 2018 order, which makes it mandatory to link Aadhaar with PAN Card. The government has set March 31 as the deadline to link Aadhaar with PAN. To avoid disconnection of PAN or face problem in filing the income tax, the government has asked every PAN card holder to link it with Aadhaar before March 31, 2019.
Earlier, Central Board of Direct Taxes (CBDT) Chairman Sushil Chandra said the Income Tax department had so far issued 42 crore PAN cards, of which 23 crore had been linked with Aadhaar. "By linking with Aadhaar, we will know whether there are any duplicate PAN or not. And there are certain duplicate PANs... If it is not linked, we may cancel the PAN also," Chandra added.
The Supreme Court in September last year, while declaring the Aadhaar scheme as constitutionally valid, had said Aadhaar was mandatory to file I-T returns and issuance of PAN card. It also added Aadhaar was not necessarily required to open bank accounts and buy a mobile phone connection.
Also read: I-T dept moots doing away with mandatory quoting of father's name in PAN application
The linking of Aadhaar with PAN, which in turn is linked with a bank account, will also help the Income Tax Department to unearth tax frauds. The Aadhaar-PAN linking will also ensure the benefits of the government's welfare schemes are availed by eligible persons as many agencies are linked with Aadhaar.
How to link Aadhaar with PAN:
Edited by Manoj Sharma
Also read: Income Tax made easy: PAN card in 4 hours, pre-filled I-T forms on the anvil


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