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You can find Lee's fiction and blog at her website.
Welsh actor Ioan Hefin.
An amusing and thought provoking post. When my internet connection stops being so annoyingly slow I'll be following your links.
Hi Lee, your post is very interesting because it raises a number of important questions: Is writing a communicative act? (what is/is/should there be a/the relationship between process and production?) Why do we write? Why do we read? What is professionalism? How do we gauge 'good' fiction? I'm not going to attempt to answer these questions in a box here but I will think on. Also, I'll do you the respect of reading your work before I make comment on it/your views. I've downloaded Mortal Ghost and Corvus and will get onto it. I have to say that I believe my reading these books is a communicative act and that therefore establishes some relationship between us. I think I have some sympathy with some of what you say, but I need a) time to process and b) more information about you/your writing to be able to give an informed opinion... it may form the basis of my own blog on this site next week! Thanks for putting your head above the parapet and I'll be interested to see how this 'debate' grows.
Twice recently I've come across that word "onanistic". It's very, very rare for me to see a word I've never heard of ...
professional is obviously a good respectable thing to be - and it would be so great if our writing also paid our mortgages but let's sometimes stand up for the AMATEUR. The amateur is the person who is doing something because s/he LOVES it.


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It's a pelsant serpise that RP Rumble in the jungle is do ing better then I thought it would. Thank you for the people that participated. And I have learned some lesions while running it.
I was thinking for setting up a Poll on the next Earth age Rp.
Here the list.
U.S.Marines Vs Balvhakara: The 2nd Battalion, 7th Marine Regiment who are stationed in the Emberi Republic capital city are attacked by a unknown enemy with large mechanized machines.
Illhar'dro Vs Communist guerrillas: The Illhar'dro are trying to reopen their operations in the over-world. Unfortunately the first village they try to trade with have people are not the fans of people who sell their goods and services.
PMCs Vs Nidraa'chal: A grope of mercenaries are trying to "extract" a team scientist from a river island. Unknown to them, the Nid has slaughtered most of the inhabitants and are trying to steal experiments for their own evil plans.
Kyorl'solenurn Vs.Jihadist: A team heretic hunters are trying to hunt down a grope of Vloz'ress that fled to the over-world. In their pursuit they get caught up in a battle between the ERA and extremist Muslims.
A peaceful interaction between the Nal'sarkoth and refuges:The Nal'sarkoth, like the Illhar'dro are trying to open up over-world trade, when they come upon a camp of Emberi that fled there village due to intense fighting between the rebels and the military.
Suggestions: Tell me what you want to happen in the next earth age RP.
The one with the most votes will be mentioned in later on in Jungle as a news radio report.

subset: commoncrawl


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'Modern Family' hits season low: Why are ratings slipping?
What's happening to Modern Family?
Earlier this season, the acclaimed ABC series was the highest-rated comedy on TV. But CBS' Thursday king The Big Bang Theory has since climbed to top the weekly chart hitting recent season highs, and Modern Family has slipped to No. 2 and relinquished its crown. Last night's episode marks a season low for the show, down 10 percent to 10.1 million viewers and a 3.8 adults 18-49 rating.
What's behind the slippage?
Well, its ABC neighbors sure don't help much (or rather, its Neighbors). And Modern Family now has to contend with Fox's American Idol, which has likely had an impact the past few weeks (one analyst noted that Modern Family tends to hit its low point around this time of year). Of course, Big Bang airs at 8 p.m. so it doesn't even have a lead-in, also faces Idol, plus is an older show.
Perhaps it's that Modern Family is rather ambitious and creatively complex with a large cast that seeks to work as a comedy with tinges of deeply heartfelt drama — pulling all that off week after week is huge juggling act.
The rest of ABC's lineup had mixed results. The Middle was down 8 percent. The Neighbors was up 13 percent and Suburgatory went up 17 percent (thanks to Modern Family not running a repeat this week). On CBS, Criminal Minds tied its series low; CSI dropped 8 percent despite airing its well-promoted CSI: NY cross-over episode. Fox's Idol led the night yet fell 16 percent for the start of Hollywood Rounds. NBC was largely down about 10 percent except Guys With Kids which fluxed up a tenth. On The CW, Arrow rose a notch and Supernatural was flat.
Full Chart:


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Fertility Treatment in Vadodara, India
Get the significant solution to fertility treatment in India. The medical centers in India offer best of fertility treatment at the best price. ...


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#0 Khion Sankey
|Stockton, Calif. (Sheridan College)
2012-13 (Junior): One of the top rebounders in his first season in the Atlantic Sun Conference…Finished as the No. 9 guard in the nation with 85 offensive rebounds…Ranked fourth in the conference with 7.0 rebounds per outing…Ranked third in the A-Sun in offensive rebounds averaging 2.8 per game…Ranked ninth in the league with 4.2 rebounds per game…Finished 10th in the league with 2.8 assists per game…Ranked second in the A-Sun in conference games with 1.7 steals per game…Set a career high with 15 points at Belmont (12/4/12).
Junior College: Played for Sheridan Community College in Sheridan Wyoming…Averaged 7.2 points per game…Dished out 2.9 assists per game…Averaged 1.5 steals per outing…Knocked down 52 percent from the field as a sophomore…Earned NJCAA Region IX All-Tournament Team honors after averaging 15.5 points and 8.5 rebounds per game…Earned NJCAA Region IX All-Defensive team honors as a freshman.
High School: Prepped at Newark Memorial High School in Newark, Calif…Averaged 14.3 points, 8 rebounds, 2.8 steals and 2.8 assists per game as the Cougars finished 30-5 during his senior season…Led NMHS to a Northern California Championship and a second-place finish in the state championship.
Personal: Son of Deborah and Andrew Jackson…Favorite TV shows are the Fresh Prince of Bel Air and Martin…Favorite professional athlete is Dwayne Wade…Favorite professional sports team is the Sacramento Kings.


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The Deliverer Lyrics
We stand on the brink of the end. A familiar song coming from the horizon, the clouds part like the sea. This is the spark of eternity. I was born a slave. I have thirsted for you my whole life. You've changed not Thy ways. Changed not Thy cross. You've kept it firmly upon my shoulders that you might hear me and I will hold this to the grave. Remove not thy song that I might grow cold and turn from Thee. But hold me close Oh Lord, this last hour. A hundred thousand lifetimes have come and gone, and a hundred thousand lives would be given to stand where I stand. The clouds of Heaven open and I hear one familiar song.Hold me close oh Lord. Leave me not, this last hour. All creation sings how great is our God.


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Business Intelligence Resources
Explore your data in-memory.
The power of SAS® Visual Analytics lies in its in-memory analytics engine with fast, accurate insights.
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We're the world's largest independent vendor in business intelligence.
SAS® Business Intelligence offers a flexible portfolio of solutions to meet the needs of any enterprise, department or small-to-midsize business. We deliver approachable analytics and self-service capabilities while providing insights where users work most – through mobile devices or in applications.
Learn more about our solutions
See What's Possible with SAS Business Intelligence
SAS Visual Analytics allows employees to just pull out an iPad® and show the clients all the data, face to face, and answer any questions they might have. That exchange of knowledge on a personal basis is crucial.
Colin Nugteren, Chief Analytics Officer at DirectPay
Contact us to learn more about SAS Business Intelligence.
Need additional information? Get details on solutions, licensing, deployment and more.
Ready to get started? Take the next step toward getting more value from your data.


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When We Were Young
Season 5 Episode 29 | 3m 26s
A young woman returning to her grandmother's finds the house empty but full of memories. She reconciles the past with her new role as caretaker in this sweet animated short.
Aired: 01/16/18Video has closed captioning.
Problems Playing Video?
Film School Shorts is made possible by a grant from Maurice Kanbar, celebrating the vitality and power of the moving image, and by the members of KQED.


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Let us help you find what you are looking for...manuals, firmwares, drivers, specifications and more
The best way to find your information is to first reach your Product Page before you start searching with other keywords.
1. Getting to your Product page
The product page is the best platform to start your journey: that search bar only shows results applicable to your product.
That narrows down the search!
- Make sure you know your model name. If you are unsure, this page can help you find it:
- Type in your model name in the search bar on the Support website.
IMPORTANT: Make sure you type your model name correctly (including the hyphen (-) if applicable). The predictive search feature will help you make sure you're typing the model correctly.
- Go to your Product Page by clicking on your product name in the auto-suggest feature or in the search results.
2. Find Manuals and Help guides of your product
- Once you're on your product page, all Manuals and Help guides are avilable under Manuals tab
- Most products offer an extensive Help Guide, which you can access via the product page. The help guide has a convenient search function that will help you find information and functions within the guide.
- PDF Manuals (Operating Instructions / Reference Guide / Startup Guide) on the other hand, are a great place to start when uncertain about procedures (e.g. a reset) or settings.
Use the CTRL + F function in the PDF file to browse certain keywords. You can also click on menu anchors in some cases.
3. Firmware / System Update / Drivers
Get the latest firmware / system update / drivers by clicking on the Downloads tab for your model.
With the latest update, you can enjoy:
- New Functions or Benefits
- Resolves known issues
- Improves Connectivity or Compatibility
4. Where's that Specification?
Interested in specifications? Each product page has a specifications link available under the model name.
If you want to compare specifications, please visit How can I compare the specifications of the Sony product
5. Ask the community
If you're struggling with something, chances are that someone has ask the question before.
Try checking the Sony Community for possible solutions and tips.


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Table of Contents
- ApplicationInitializer.java
- ApplicationContext.java
- DataConfig.java
- ThymeleafConfig.java
- spring.properties
- Domain
- Repository
- Service
- Controller
- Clone from GitHub
- Create the Database
- Run with Maven and Tomcat 7
- Run with Maven and Jetty 8
- Import to Eclipse
- Validate with W3C
- Spring 3.2.0.RELEASE
- Spring Data JPA 1.2.0.RELEASE
- Spring Security 3.1.3.RELEASE
- Thymeleaf 2.0.14
- Hibernate 3.6.3.Final
- See pom.xml for full details
Required Tools
- Git
- Maven 3.0.4
- MySQL
- Eclipse IDE or SpringSource Tool Suite (STS)
GitHub Repository
Functional Specs
Our application's requirements are the following:
- Post to Facebook and Twitter
- Retrieve profile information from Facebook and Twitter
- Secure the application
- Allow login and creation of new users
- Create a page for managing users
Here's our Use Case diagrams:
[User]-(Post to Facebook) [User]-(Post to Twitter) [User]-(Retrieve info from Facebook) [User]-(Retrieve info from Twitter) [User]-(Sign in) [User]-(Sign up) //http://yuml.me/
[Admin]-(Edit users) [Admin]-(Delete users) [Admin]-(Add users) //http://yuml.me/
Before we proceed, let's preview some screenshots of our application:
Sign in page
Sign up
Facebook Profile
Twitter Profile
Manage Users
Post to Facebook
Tweet to Tweeter
Connect to Social Site
Connected to Social Site
NextIn the next section, we will show how to generate the OAuth secret keys for Facebook and Twitter. Click here to proceed.
Share the joy:
Subscribe by reader Subscribe by email Share


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The mission of FAS Family Resource Institute,
a non-profit organization, is to identify, understand and care for individuals disabled by prenatal alcohol exposure and their families, and to prevent future generations from having to live with this disability.
Fetal Alcohol Spectrum Disorder (FASD) is an invisible avalanche crashing down and overwhelming public resources. When we realize an avalanche is a bunch of snowflakes that have been ignored, the task of keeping affected people and their communities safe, seems more manageable. Each child disabled by prenatal alcohol exposure is like an innocent snowflake. There is nothing more fragile and beautiful than innocence; but nothing is more tragic than innocence betrayed by ignorance and fear. Therefore, in defense of innocence, it is the mission of the F.A.S. Family Resource Institute, a non-profit educational organization; to identify, understand and care for each person with FASD. This web site is published with the hope that it will aid in the preservation of the sweet innocence in those who are affected and that their cries for understanding and help will not be ignored.


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Out of the chaos of battle, the soldiers emerge. But the face of the enemy isn't quite human and it isn't alien; it's a skull. What story can you dream up about these possibly undead warriors?
The digital painting above and the title "Black Skull Recon Squad" both come from artist Darek Zabrocki. As always, we invite you to write a story inspired by this illustration and post it in the comments.


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Read 78 predictions for 2041, a year that will see the world transform in big and small ways; this includes disruptions throughout our culture, technology, science, health and business sectors. It's your future, discover what you're in for.
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Discover the trends from another future year using the timeline slider below


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LRA Want Power-Sharing
"If he agrees on the positions that we want, then we can share power,� Otti continued, referring to Museveni. "If he does not agree, then we can continue talking. But if he rejects our positions completely then we will go backward—then the battle has begun.�
(Part 1 and 2 of these stories can be found in the International section here at Black Star News Online. Otti, far right, shown with Southern Sudan VP Dr. Riek Machar, middle, and on the left is LRA chief Joseph Kony)
An ideal outcome of the impending negotiations next week between the Lord's Resistance Army and the Uganda government would be a power-sharing agreement, says Vincent Otti, the LRA's number two commander, who revealed for the first time some of his groups demands.
In a telephone interview July 8th with The Black Star News Otti told this newspaper that the talks, slated to start Wednesday June 12th in Juba, the capital of Southern Sudan, would likely run through Saturday. If all goes well, the preliminary talks could lead to a ceasefire, paving the way for full scale negotiations where the LRA would then table all its demands, Otti said. Fighting would stop "permanently� unless the government rejects the LRA's demands outright, in which case war could resume.
Additionally, the LRA want assurances directly from the government of President Yoweri Museveni and the International Criminal Court (ICC) that its top commanders wouldn't later be arrested and sent to The Hague, after a peace treaty. The LRA also wants the United States, Britain and Canada to serve as observers and witnesses to the negotiations and any deal that arises from the talks, to assure that it doesn't later collapse, Otti said.
"That is a matter that will be on the table," Otti added, when asked how the LRA and the Uganda government can conclude a pact considering the outstanding arrest warrants from the ICC for the LRA's top commanders. "If the government really wants permanent peace in Uganda then the matter of the ICC should be lifted out officially. We have to hear that from the mouth of Yoweri Museveni and from the mouth of the prosecutor Luis Moreno-Ocampo,� he added, referring to the Ugandan ruler and the ICC chief prosecutor, respectively. While the Ugandan president has offered amnesty to the LRA's commanders Moreno-Ocampo this week insisted that they should be arrested to stand trial.
The LRA's demands include integrating its fighters into the national army and positions—Otti didn't specify whether in the army or government—for its commanders. "We can co-exist,� Otti added, when asked how the LRA could be integrated into the Ugandan army after bitter war of almost 20 years accompanied by allegations of human rights abuse on both sides. "If he agrees on the positions that we want, then we can share power,� Otti continued, referring to Museveni. "If he does not agree, then we can continue talking. But if he rejects our positions completely then we will go backward—then the battle has begun.�
To subscribe to or advertise in New York's best Pan-African investigative newspaper please call (212) 481-7745. You can also reach Milton Allimadi at email@example.com
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- Ann GarrisonFebruary 22,2018 @ 08:03 PM
I think you have "Filtered HTML" turned on here. If you switch to "Full HTML," it will probably...
googletag.pubads().definePassback('6785150/BENN/BlackStarNews', [[300,250]]).setTargeting('fold',['BTF']).display();


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Munch's "The Scream" to go on view at N.Y.'s MoMA
(AP) NEW YORK - Edvard Munch's "The Scream," which sold for nearly $120 million at auction, will go on view at the Museum of Modern Art in New York.
The museum announced Tuesday that the iconic image will be on display from Oct. 24 to April 29.
The painting is the most expensive artwork ever sold at auction. It was purchased by an anonymous private collector at Sotheby's in May.
Munch created four versions of "The Scream" between 1893 and 1910. This is the only one in private hands. The others are in Norwegian museums.
MoMA Director Glenn Lowry calls it "a rare opportunity" to see the artwork.
The image of a man holding his head and screaming under a streaked, blood-red sky has become a modern symbol of human anxiety.


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Urban Loft™ Luxury Soft Chevron Bed Sheets // 4 Piece Set // Aqua
Product Description
Add a designer accent to your bedroom décor with these timeless Urban Loft™ Luxury Soft Chevron Bed Sheets, designed to be the most comfortable sheets you've ever owned. Made of the finest imported double-brushed microfiber yarns, these sheets set a new standard in luxurious softness and breathability. The premium yarns are two times more durable than cotton, fade resistant, and completely wrinkle free. With their superior weave for durability and a buttery-soft touch, these sheets will have you dreaming of your bed all day long.
Product Details
- ColorsAqua
- Materials
- OriginImported
— Warranty: Manufacturer's 30 Day
— Double-brushed Microfiber For Outstanding Comfort
— 16" Deep Pocket Fitted Sheets - Perfect For Oversized Mattresses
— Made Of Ultra-soft And Breathable 90 Gsm Microfiber
— Hypoallergenic + Antimicrobial For Allergy Sufferers / Sensitive Skin
— Fade Resistant + Wrinkle Free, No Ironing Necessary
— Note: Microfiber Does Not Have A Thread Count Like Traditional Fabrics, But Would Be The Approximate Equivalent To 2000 Thread Count Cotton
— (1) Flat Sheet
— (1) Fitted Sheet
— (2) Pillowcases (Twin Sets Come With 1 Pillowcase)
All sheets are made of ultra-soft and breathable 90 GSM microfiber.What is the thread count?
All sheets are made of ultra-soft and breathable 90 GSM microfiber.
Shipping Information
Shipping Availability— USA
Shipping PolicyStandard Ground Shipping
Ships In2-3 weeks
Return PolicyFinal sale, not eligible for return


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Proschwitz sends Hull through
Nick Proschwitz grabbed his first goal of the season as Hull edged past Capital One Cup opponents Huddersfield 1-0 in a battle of the second strings at the KC Stadium.
The result earned Steve Bruce's side a place in the fourth round but the lethargic nature of the match, coupled with a total of 19 changes across both starting XIs, suggested it was a prize neither were overly concerned about.
Proschwitz, looking to win a place in Bruce's plans for the Barclays Premier League, rifled home in the 59th minute but was otherwise an uninspiring presence in attack and missed a glorious opportunity to double his tally following a misplaced pass by goalkeeper Alex Smithies.
Yet the German forward scored four times in a reserve team outing last week and showed his poaching instincts were still alive when he met George Boyd's cross eight yards out with a powerful finish.
It was his first strike for the Hull's first team since he netted in the dramatic, promotion-sealing match against Cardiff on the final day of last season and enough to decide this contest.
Both sides gave a clear view of their priorities when the team sheets were completed.
Hull boss Steve Bruce retained only Liam Rosenior and Stephen Quinn from the side that beat Newcastle 3-2, while Smithies was the solitary Huddersfield player to survive the scoreless draw at Blackburn.
Those with the most to gain in the home ranks included the fit-again Abdoulaye Faye and fellow centre- half Alex Bruce - both in contention following James Chester's hamstring injury - and forward pairing Matty Fryatt and Proschwitz.
Huddersfield's best player on the night was18-year-old substitute Duane Holmes, who terrified Hull with his direct running in the second half.
Hull, meanwhile, were able to give Gedo - back for a second loan spell from Al Ahly - and debutant Conor Henderson game time off the bench.
Hull made the early running, with Yannick Sagbo instrumental to most of their attacking play as he targeted right-back Calum Woods.
But Huddersfield almost caught the hosts napping in the 16th minute, Sean Scannell gaining 20 yards in the centre of the pitch before finding Daniel Carr's run into the box.
The winger got his shot away but Faye timed his sliding block to perfection.
With 25 minutes, Fryatt went close for Hull, bearing down on Smithies, opening his body and rolling his shot against the base of the post from 12 yards.
Hull continued to dominate possession but Huddersfield once again mustered a decent chance from nowhere when Woods escaped down the right and whipped a cross towards Oscar Gobern, who jumped highest but headed over.
Just five minutes into the second half, Huddersfield sent on Holmes and almost immediately he went on a 30-yard dribble toward the Hull goal.
A poorly judged pass killed the break, but it was a much-needed shot of adrenaline for the match.
Holmes used his pace to breeze between David Meyler and Quinn in midfield a second time but on this occasion lost his balance as he approached the area.
Any Huddersfield momentum disappeared just before the hour mark when Proschwitz struck.
Boyd was the creator, chasing a ball down the right channel and hooking a cross into the area where both strikers were waiting. Fryatt, with his back to goal, could not bring the ball down and instead it skipped on to Proschwitz, whose finish was emphatic.
Egyptian forward Gedo was given 22 minutes to press his case from the bench and soon went close from a corner.
Holmes was still showing signs of life for the away side, though, another exciting run and shot working Steve Harper low to his left.
Proschwitz blazed over after Smithies' miskick handed what seemed an unmissable one-on-one and Gobern headed over in added time, but it was a game that scarcely deserved a second goal.
Source: PA


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Feeling Better
January 22 @ 1:00 pm - 2:00 pm
|Recurring Event (See all)
An event every week that begins at 1:00 pm on Wednesday, repeating until March 31, 2020
Thinking about making changes in the way you live? At Feeling Better we use a harm reduction approach to talk about making changes and dealing with life's constant changes.


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Bullying, Harassment, or Intimidation Reporting Form
Directions: Bullying, harassment, or intimidation is serious and will not be tolerated. This is a form to report alleged bullying, harassment, or intimidation that occurred on school property, at a school-sponsored activity or event off of school property, on a school bus, or on the way to and/or from school in the current school year. If you are a student victim, the parent/guardian of a student victim, a close adult relative of a student victim, or a school staff member, and wish to report an incident of alleged bullying, harassment or intimidation, please complete this form. Once complete, the results of this form will automatically be sent to the principal at the student victim's school.
The results of this form will be monitored between the hours of 7:00am - 5:00pm during the school year. Any reports submitted outside of these hours, or during holidays, will be investigated during the following normally scheduled school day. Please do not use this system for issues requiring immediate assistance. If this is an emergency requiring immediate assistance, please call 911. Contact the school directly for additional information or assistance during posted office hours.
Bullying, harassment, or intimidation is defined as intentional conduct that can be verbal, physical, face-to-face, and/or electronic or written communication and which creates a hostile educational environment by substantially interfering with a student's educational benefits, opportunities, performance, or with a student's physical or psychological well-being and is:
- motivated by an actual or a perceived personal characteristic - including race, national origin, marital status, sex, sexual orientation, gender identity, religion, ancestry, physical attributes, socioeconomic status, familial status, physical or mental ability or disability, or
- threatening or seriously intimidating, and
- occurs on school property, at a school activity or event, on a school bus, or
- substantially disrupts the orderly operation of a school.


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This is Mark Tibergien's 11th appearance on the IA 25. Read his extended profiles from 2012 and 2011. Click here to view the complete list and Special Report schedule for extended profiles for each of the 2013 IA 25 honorees.
Mark Tibergien has been writing for Investment Advisor now for more than a decade. Not coincidentally, he is also the only person to appear on the IA 25 for all 11 years of its existence. But Tibergien's influence on the industry started before his affiliation with us, and in the history of the independent advisory business, Tibergien's influence will last far beyond 2013. That's because almost single-handedly he has preached that to become a profession, advisors must be business people. In his writings and speeches, in his tenure at Moss Adams and as the CEO of Pershing Advisor Solutions, Tibergien has consistently raised thorny issues that some advisors would rather avoid and has used his bully pulpit to challenge advisors to be not only good business people but true leaders as well.
Take his October 2011 column on the dangers of a "cult of personality" at advisory firms. He wrote that "a strong personality is a great quality when beginning or rebuilding a company—but inevitably, a leader's firm grasp of key issues becomes a grip of death for the business. Enterprises that are overly dependent on a single strong leader can rarely survive the end of that person's tenure unless a proper transition plan is implemented early, communicated loudly and executed effectively. Business continuity issues are not solved by finding a buyer for the business, but rather by building a culture of courage, passion, accountability and confidence that allows others to step up when you ultimately step down."
In a cover story earlier that year, we wrote about his emphasis on human capital, but concluded that "in good Pershing fashion, this focus on human capital doesn't just place those leaders in the right spot, it then measures their effectiveness. People, people, people. Measure, measure, measure. There's one other thing: Pershing Advisor Solutions is a place where the people share a vision that emanates from Tibergien, but is clearly internalized."
Looking back at his very first column for Investment Advisor, in February 2003, Tibergien's stated goal for his writings is as cogent now as it was then. "I've found that like most professionals, financial advisors are well-trained to help their clients, but receive no formal education about how to make a living doing it." In his time researching the advisor industry at Moss Adams, his team "discovered a huge disparity between those few advisors who, through prior training outside the profession or natural business sense, have created financially successful practices and the majority of their peers." His stated goal for his Formulas for Success column? "I'm going to explore what the most successful practices do to get that way, and what you can learn from them to increase the success of your own practice. After all, if you can't make a living as a financial advisor, you probably won't be very helpful to your clients, either."
The coda in that quote is pure Tibergien as well. While he's achieved appropriate fame for focusing on the business side of an advisory firm, the needs of the end client are always front of mind. That focus is behind his long-standing argument that having a formal succession plan is at least as morally imperative for an advisor's clients as it is for successfully running an advisory firm now and making a liquidity event more likely for an advisory firm's principals then.
His take on the fiduciary standard is similarly double-sided. While that standard might be the right and best approach for the client, it's also the prism through which an advisory firm's business practices should be measured.
Tibergien's legacy is evident not only in his own leadership and unparalleled intellectual capital contributions to the profession, but in the loyalty and admiration of many of the other leaders of the profession. He's not averse to taking risks, either, whether in taking the reins of Pershing's RIA custody business or in his willingness to build and expand on the firm's overseas advisor operations, notably in the U.K.
The Tibergien gospel? Be a good businessperson; be a good leader in your firm's culture and even (as he writes this month) in the language you use in your firm; keep a firm watch on your day-to-day practices and the eventual future of your firm; and make sure you are exercising your own talents and building an environment where your employees can grow and prosper.
The profession is in a much better place because of Mark Tibergien, and is more likely to remain so in the future with his continued contributions.


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Washington DC Small Business, Social Media, Technology, Communications, Marketing and Conversations with Shashi Bellamkonda Social Media Swami
Tuesday, September 25, 2007
New Business Ideas: Cell Phone 2.0
Steven Teo writing in smallbiztrends.com has some pretty cool sites listed. From sending pictures of your food from your phone for nutritional analysis to giving you the nearest restroom location.
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New Dimensions to Marketing Measurement
The new dimensions of measurements will include the following: Podcast Listens VR Views
What an odd Norwegian show & quiet eating teaches us about consumers?
Emirates flies the Airbus A380-800 from Washington DC to Dubai There was a time that flying between India and the US meant a stopover...
I was very impressed at how easy TSA made it for me to write this post. As a best practice all organizations should have a social page where...


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Parking tickets (also referred to as citations) are issued by parking enforcement officials for violating state parking laws (California Vehicle Code) or city parking laws (Los Angeles Municipal Code).
If you have any questions regarding a parking citation please visit: lacity-parking.org or call us to our 24 Hour Customer Care Hotline: (866) 561-9742 | TTY: (213) 623-7046
Pay Your Ticket
You can pay your ticket in one of four convenient ways.
- Online
Pay online by Visa or Mastercard, $2 processing fee.
- By phone (automated system)
Pay by Visa or Mastercard at (866)561-9742
- In person (4 locations, open M-F 9AM-5PM)
We accept cash, check, money order, cashier's check, credit card and debit card payments
Downtown - 312 W 2nd Street
Mid-Wilshire – 3333 Wilshire Blvd.
West Los Angeles - 1575 Westwood Blvd., #100B
Van Nuys - 6309 Van Nuys Blvd., #103
- By Mail:
Make check payable to "City of Los Angeles", write citation number on the memo line, and mail to:
City of Los Angeles
P.O. Box 30420
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Go to the Official Police Garage to locate and recover your vehicle. You will have to pay any outstanding parking citations (including late fees and penalties) and any impound or storage fees before your vehicle can be released.
Contesting a Ticket
There are three different steps that may happen once a constituent has contested a ticket. At each step the matter can be resolved by the citation being found to either be valid or invalid. If the constituent is not satisfied at each step, they may move on to the next.
- Administrative Review
Administrative Request must be made within 21 days of receiving the ticket. You send evidence and an explanation for why you believe you did not violate the cited parking law, we will review, and then determine if there is sufficient proof to determine:
A. Violation did not occur
B. Registered owner is not responsible
C. If there were extenuating circumstances
- Hearing
Hearing Request must be made within 21 days of administrative review decision. If you disagree, you may schedule an in-person meeting with a hearing officer. By state law, you must pay all fines owned on the ticket before you request a hearing. After reviewing evidence and receiving testimony, the hearing officer will conclude the meeting. A written decision will be sent to you by mail.
- Court
You have the right to dispute a parking ticket in Superior Court if you do not prevail during the administrative review or hearing. The appeal must be made in person within 30 days of the hearing officer's decision. There is a $25 filing fee that is refunded if the judge rules in your favor.
Late Fees:
Late fees typically double the cost of a parking ticket. To avoid late penalties, we must receive your payment within 21 days of the date the ticket was issued, or 14 days from the date of the first overdue notice.
If the ticket remains unpaid we will take the following steps:
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82 days after the ticket issuance date, an additional $27 collections fee is added as well as a Department of Motor Vehicles hold fee. You will not be able to re-register your car until all unpaid citations and fees are paid.
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If you have 5 or more unpaid tickets, your vehicle may be booted or towed and impounded. You will not be able to recover your vehicle until all unpaid citations and fees are paid.
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Your delinquent unpaid tickets may be referred to a collection agency for collection.
Parking Citation Revenue
The average ticket is $68. Some ($17.50 for meter violations, and $12.50 for other violations) goes to state and county fees and the remainder ($45.50) goes to the city's general fund to pay for essential municipal services, including police and fire. There are additional distributions for fix-it citations and disabled parking violations.


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Key Egyptian rights groups are calling for a repeat of the first round of a constitutional referendum on grounds that the vote was marred by widespread violations.
Representatives of the seven groups told a news conference that Saturday's vote in 10 of Egypt's 27 provinces lacked sufficient supervision by judges. They alleged that some individuals falsely identified themselves as judges, that vote counting was not witnessed by monitors and some women were prevented from voting.
The claim of widespread violations came only hours after President Mohammed Morsi's Muslim Brotherhood group claimed that a majority of Egyptians who voted on a proposed Islamist-backed constitution have approved the document.
Turnout was unofficially estimated at around 32%.
The second round of voting on the charter is planned for Saturday December 22.


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Hamerton, I, Glynn, S, Hay, JN, Pullinger, MA and Shaw, SJ (2012) Studies of polycyanurates based on phenoxy-substituted cyclic phosphazenes: Synthesis of the monomer and a preliminary study of its thermal properties in binary blends Polymer Degradation and Stability, 97 (4). pp. 679-689.
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By Andrea Ramirez, KF16, El Salvador
In recent years the microfinance sector has been hit with harsh criticism about the real impact it has on improving the lives of the low-income clients it serves. If it is true that microfinance, including micro-credit, is not the panacea for poverty; it is also true that Microfinance Institutions ("MFIs") don't have an easy job. MFIs and their staff are, in my opinion, the true heroes. Their loan officers and administrative staff are those who are out there, day after day, meeting clients and trying to help them achieve their dreams – and yes, realizing dreams doesn't come cheap. Although there are many great institutions providing more than microfinance services, I have yet to come across an operating model as unique as that of Fundacion Campo ("FC"). They do so many cool things, and this will be a bit of a long post.
FC was established during the 1994-1996 period, as part of a social reinsertion effort following the peace accords that ended El Salvador's civil war. The operating model of FC is based on the relationships the institution has established with the communities through Community Development Associations (ADESCOs for their name in Spanish). The ADESCOs are associations regulated by their municipal code. They work with their Mayor on the development of the community. Within each ADESCO there is a Communal Credit Committee, made up of three people from the community. The members of this committee live and are part of the community, and are the first point of contact when someone from such community wants a loan. The members of the committee meet with the potential borrower to help him/her gather the necessary documentation, fill out the loan application, and provide an assessment of the person's ability to pay and reputation within the community. Working through these committees means that people don't have to spend money on transportation to fill out a loan application or get information, or miss a day's work. They can simply go to a neighbor's house and get the process started. This structure doesn't only help FC keep administrative costs down, but also gives FC access to information about the character of the borrower that otherwise they would not have access to. The members of the committee don't get paid for what they do. When I ask them why they choose to devote so much time and effort to their roles, reviewing sometimes up to ten loans per week, they respond something like: "I do it because I am serving my community; I get to help people and I learn from them too."
Once the committee has provided their assessment, FC's loan officers get involved. There is a loan officer assigned to each ADESCO, and they are the ones who visit clients on a daily basis and develop a close relationship with the members of the communities that they serve. The committee meets with the loan officer, and based on the information provided by the committee, plus some other research and analysis done by the loan officer (some times that means meeting the client in person), the loan officer determines whether or not the credit should be recommended for approval. After that, the process is pretty similar to that of a bank – except that loans are usually disbursed within 3 days after the committee brings the application to the loan officer. Incredibly efficient!
One fascinating detail is that 2% of each loan disbursed to a client that came through the ADESCOs stays with the community. This helps the community invest in themselves, and the funds can be used for a variety of projects. One community installed street lights so that residents don't have to walk to/from work or school in the dark. Others provide incentives for residents to attend the ADESCO's general assembly, where FC provides financial literacy programs and other educational content. I met with the leader of a community last week who is hoping to build a little covered area for people to wait for the bus by the main road (so that people can have some shade during summer or shelter from the rain during winter). In the past his community has also donated new computers to the school, and even helped people who have been fallen ill. The entire community benefits from these funds, not just those who are clients of FC.
But loans are just a portion of what FC does. Through their Community Development Unit (UNDESCO) they help communities carry out a wide variety of projects. Projects range from helping the communities with legal support to legalize a soccer field for their local school, to repairing small bridges so that kids can cross a river during the rainy season and get to school, to building classrooms, establishing a small health unit, clean water projects, training for farmers on best practices, or helping a community develop their infrastructure for tourism (which is pretty much non-existent in El Salvador). The list of projects is extensive. Furthermore, FC doesn't make money from these value-added services it provides.
FC's staff is entirely dedicated to the institution's mission. Loan officers start their days bright and early at around 7 am, and sometimes they don't make it back to the office until passed 7 pm. They travel to the most remote places by motorcycle. Many times they have to park the bike by the main road, and walk 20 or 30 minutes through a small forrest, a river, and a few hills before they can finally meet with their client to go over their loan or to simply pay them a friendly visit. I made the trip with a couple of loan officers, and it is no easy task. Plus, the vast majority of FC's clients live in rural areas – by rural I mean the middle of nowhere; where the roads are barely roads, there is no street lighting, and buses don't run.
Relationships at FC are based on trust. FC's loan officers, admin staff and management team give it their all every day so that clients do the same for the institution. Because of this dynamic, FC has a really low default rate and their clients pay on time. Many cients have been coming back to get loans from FC for 15 years. Even though this is a business, it is about more than just money. It is about community, trust, and friendships.
Andrea is a Kiva Fellow (KF16) working with Fundacion Campo in the Eastern region of El Salvador. Fundacion Campo is the newest Kiva Field Partner in that country. Andrea is loving her corn-based diet and the kindness of people in El Salvador. If you haven't checked out Kiva.org yet, it's never too late! Make a loan. Help change lives.


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I finally completed my first 10k this past weekend! The 12th Annual MVP Great Pumpkin Challenge in Saratoga was a great success and I couldn't be happier with how it went. I finished the race in 54:40 (estimate) and came in 5th out of 22 for my age grouping (20-29). The race itself was beautiful--it wove in and around the state park, not to mention we had great weather! I had convinced my mom to run the 5k along with me since the routes went together for the first 3 miles of my race and she ended up beating her time as well!
Prepping for the race I had a fulfilling dinner the night before at a local restaurant, Chianti, which is right downtown off of Broadway street. They had some amazing dishes and an "early bird" special that I had to take advantage of. Local field green salad to start followed with an eggplant, tomato, mozzarella and sausage GF pasta dish and then finished the night off with a dish of strawberry sorbet and decaf americano (but was it really decaf?).
We returned to the hotel which was brand new and really nice so that I could catch up on some real world stuff (aka searching for jobs/ writing resumes) and I attempted to fall asleep after watching part of A Little Princess, great movie by the way! I am also convinced that the decaf americano was NOT decaf since I ended up not falling asleep until 2am. The bright and early wake up call at 7:30 was not as bad as I thought it would be but I definitely needed the complimentary coffee!
Before the race there was coffee, doughnuts (which I didn't attempt) and a fire pit that was roaring and keeping me warm. Pure bliss if you ask me. Bonfire BEFORE a race at 9:30am? Yes Please!
The course itself was beautiful, as mentioned before. Mostly flat until the end (about miles 4-6) where we hit two big hills. To be honest I was a bit nervous for these hills and made sure to take a slower pace for the .5 mile leading up to them and snagged the water, of course. There were so many spectators and fellow 5kers cheering us on and telling us that we were so close that it flew by and before I knew it I was approaching the final hill at mile 6 then it was home free to the finish line!
It is amazing how much of a mental game running is. I have now identified that it takes me about 1 1/2-2 miles to get past the mental barriers, then from 3-4 I'm in the zone, 4 can sometimes be a challenge and then 5 and beyond is great! I always feel happy and accomplished when I finish which is an amazing feeling!


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February 1, 2012
Rain Clouds and Sunshine
Outfit Details:
David Yurman Chevron Sunglasses – c/o David Yurman
leather and lace jacket (worn underneath trench) – c/o Elie Tahari
sleeveless trench – Alice Ritter
tiered scalloped dress – c/o Ali Ro
tights – H+M (200 denier – get them! So warm)
shoes – c/o Seychelles
bag – c/o Coach
bracelets – Forever 21 and Tory Burchrings – Simple Twist, Jewelmint, Artists + Fleas vendorlipstick – MAC Pro Longwear Lip Creme in Unlimited(to see Bobby's outfit details, check his post here)
Bobby got back from LA yesterday, and I'm now on my way to Florida. It's his turn to play kitty nurse, while I go and throw my best friend's baby shower – but don't think I didn't leave him with an overly detailed to-do list (I'm a Virgo). It's a bummer to cross paths and nearly miss each other, but at least we got to have a good Shake Shack meal before I left. Also, I think these photos are indicative of our personalities – Bobby is a ray of sunshine and I'm a stormy cloud, here to rain on everyone's parade.
Just kidding, I'm a barrel of laughs. Unless you tick me off…then, raincloud and mega lightning!
My flight is boarding – time to go!


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Home Page Chess Life Online 2012 April The April Check is in the Mail
|The April Check is in the Mail
|By Alex Dunne
|April 11, 2012
The 2011 Michigan State Championship has ended with a tie between the two Masters, Eric Fischvogt and Barry Endsley at 6-2 each.
By quiet but effective means Eric Fischvogt demonstrates the power of the two Bishops in both the loosening up and constricting of the opponent's kingside.
1.e4 c5 2.c3 Nf6 3.e5 Nd5 4.d4 cxd4 5.Nf3 e6 6.cxd4 b6
This and an immediate 6...d6 are the most popular ways of meeting White's setup.
7.Nc3 Nxc3 8.bxc3 Qc7 9.Bd2 Bb7 10.Bd3 Be7
The more modern method for Black is to leave the Bishop on f8 in deference to developing the Knight by 10...d6 11. 00 Nd7 12. Re1 dxe5 13. Nxe5 Nxe5 14. Rxe5 Bd6 15. Rh5 as in Mammadov-Smirin, Baku 2011.
11.0–0 d6 12.Re1 Nd7 13.Ng5
White is ambitious. 13. Rac1 does not score very well and White's battleground would appear to be the center and kingside.
13...dxe5 14.Qh5 Bxg5
White has scored +2 =2 –0 in recent events against 14...g6. Schmittdiel-Schelle, Seefeld 1997 continued 14...g6 15. Qh6 Bf8 16. Qh3 Bg7 17. f4 with an unclear position.
15.Bxg5 Kf8?!
Black is perplexed -- what to do? After 15...Qc6 16. Be4 Qc7 17. Bxb7 Qxb7 18. dxe5 leaves Black cramped. Taking the c-Pawn may be playable but also painful after 15...Qxc3 16. Bb5 Qc7 17. Rac1 Qd6 18. dxe5 Qd5 19. Bxd7+ Qxd7 20. Red1 when material is even but Black is cramped. But 15...Kf8?! looks the most cramped of all.
16.dxe5 h6 17.c4
For now White's attack is stalled and so a brief rescue operation to save the c3 Pawn is necessary. More active is 17. Re3 Qxc3 18. Rd1 White stands better but there is nothing yet decisive. A few moves later, however, the value of the c-Pawn attacking the d5 square is evident.
17...Nc5 18.Bc2 Qc6 19.f3 Qe8
Black's King was getting very lonely with most of his pieces on the queenside, but White already has a strong initiative.
20.Qh4 Kg8 21.Bf6!
The Bishop is taboo -- 21...gxf6 22. Qg3+ Kf8 23. exf6 Rg8 24. Qd6+
21...Nd7 22.Qg3 Nxf6 23.exf6 g5
Nor is 23...g6 adequate-- 24. Rad1 Rh7 25. Qc7 Ba6 26. Rd7 and White is dominating the board.
24.Rad1 Qc6 25.Qd6 h5
Planning to get the Rook into the fight, but two quick Queen moves expose the fatal position of the King.
26.Qd8+! Qe8 27.Qd2 1–0
The co-winner of the Michigan State Championship, Barry Endsley, can also lay claim to another great finish – third place in the 2007 Electronic Knights Championship. Great finishes may be an Endsley specialty. Note this endgame race, one of the most exciting finishes in recent CC play.
The Canadian Correspondence Chess Association has organized a two-tiered memorial tournament to honor ICCF IM Walter Muir. The first tier is a 15-man section with two US GM's Jason Bokar and Daniel Fleetwood. They will be competing against six other GM's and six SIMs.
The second tier also consists of fifteen players headed by 3 IM's and 2 SIM's and includes US players Steve Douglas and Anthony Kain and Canadian players Paul Morley, Serge Dubuc, and Valer-Eugen Demian.
For those of you not familiar with Walter Muir, Walter had been everywhere. A true pioneer of postal play, Walter was one of the first Americans to forage into modern international correspondence play. Walter was eight times a CC champion of Canada, twice British overseas champion, first in the 1984 Hawver Cup, sixteen times CC champion of Illinois. Walter played in two Absolute tournaments and seven Golden Knights Finals. He was awarded the title of International Correspondence Chess Master in 1971.
Walter was born in Brooklyn to Canadian parents on August 7, 1905 and died December 29, 1999.
Readers interested in the career of this remarkable correspondence player can find out more in his autobiography My 75 Year Chess Career.
Quote: Correspondence games are a rich source for discovering new and important opening ideas for OTB players, as these games are generally very thoroughly researched and analyzed by the players involved -- John Emms
LEARN CHESS BY MAIL ! Lessons given by mail, telephone, ICC – many different ways. I specialize in players rated 800-2100 who would like to improve their game. Contact me for information. Alex Dunne, 324 West Lockhart St., Sayre, PA 18840 or [email protected]
Chess booklet for sale: 2004 Golden Knights Championship -- booklet of the 57th USCF CC Championship -- $10.00 postage paid. 35 pages, 90+ games
Kiven Plesset, born November 23, 1927, died in January 2012. Kiven, of Sequim, Washington, was one of the top CC players. He finished tied for second through third in the 1972 Golden Knights, tied for first through second in the 1981 Absolute tournament, finished clear first in the 1996 event, and Kiven tied for first place in the Fifth United States Correspondence Chess Championship.
In the following game, with seven isolated Pawns, Black holds the draw against a strong Master.
Swift Quad
Carlos Graupera 11SQ06 5-1
Elton Aguilar 12SQ01 5 ½ - ½
Walter Muir
Rick Massimo 10W24 5 ½-½
David Cornejo 12W03 5 ½-½
Thomas Haggard 11W23 5 ½-½
Edward Schweikert 11W37 5-1
Paul Lowry 11W37 5-1
Golden Knights
Spencer Kell 10N17 5 ½-½
Gary Adams 11N13 6-0
Charles Musgrove 10N24 6-0
John Collins
LaVerne Gildner 11C05 6-0
Trophy Quad
Alphonso Zenoh 11Q09 6-0
James Ruth 11Q02 6-0
Carlos Graupera 11Q05
Electronic Knights
Richard Moran 11EN22 5-1
William Morris 11EN22 5-1
1 Cullum, Chuck MA 2476
2 Menke, John IL 2453
3 Van Enk, Steven OR 2443
4 O'Connell, Christopher DE 2429
5 Langland, Thomas CA 2404
Concha, Hugo FL 2404
7 Tracz, James OH 2401
8 Buss, Michael IN 2392
9 Cook, Randy AZ 2391
10 Ingersol, Harry IA 2388
11 Brower, Walter AL 2374
12 Woodard, Daniel NV 2369
13 Walters, Gary OH 2368
14 Levine, Joel NY 2363
15 Rizzo, Robert NY 2360
16 Rodriguez, Keith FL 2359
17 Swan, Peter Lee CO 2358
18 Tseng, Wilbur IL 2352
19 Wilson, Abe HI 2347
Adams, Gary AZ 2347
While Black misses 18...Nxe5 to hold on, White misses nothing.
1. Alik Zilberberg GM 2611
2. Jason Bokar GM 2581
3. Stephen Ham GM 2580
4. Daniel Fleetwood GM 2578
5. Tim Murray SIM 2546
6. Edward Duliba GM 2534
7. Jon Edwards SIM 2524
8. Jon Ostriker GM 2521
9. Keith Holzmueller SIM 2501
10. Michael Proof SIM 2487
11. Victor Palciauskas GM 2479
12. Jerry Weiskohl SIM 2476
13. Kenneth Reinhart SIM 2470
14. John Menke IM 2467
15. Michael Millstone SIM 2466
Carl Siefring IM 2466
17. Dan Perry SIM 2465
18. Wieland Belka 2447
19. Wesley Green 2444
20. Thomas Biedermann SIM 2437
What do you do when the opening goes very sour against you? John Menke heads the game right to the draw.
See a pdf index of Alex Dunne's columns.


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Discover a true architectural oddity in this little fortified bell tower, built on a hilltop by a noted Covenanter.
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Cain lends support to San Francisco RBI program
SAN FRANCISCO -- Matt Cain has dedicated himself to another team in this city.
The Giants right-hander has become an ardent supporter of San Francisco RBI, a non-profit that promotes literacy by working with students at Dr. William L. Cobb Elementary School and middle schoolers at KIPP (Knowledge is Power Program) Bay Area Academy.
Cain spoke Monday night to a rapt audience at San Francisco RBI's annual All-Star Dinner at the Olympic Club's downtown facility.
"They want to develop the whole child," Cain said, praising San Francisco RBI's program of integrating reading with baseball, softball and technology.
In an interview preceding the event, Cain expressed his admiration for San Francisco RBI, founded and directed by Jim Messemer.
"Jim and everybody who's a part of RBI has done a great job of mixing reading and sports," Cain said. "To read, that opens up so many gateways for you. I think it brings out the life in a lot of kids and [the organization] is able to do that."
Messemer expressed his gratitude for having Cain on his team.
"To me, Matt Cain epitomizes what a role model as a professional athlete should be," Messemer said. "We're trying to develop well-rounded children, and Matt represents that kind of ideology."
Cain's involvement with the group completes a circle of sorts in his life. As a youth growing up near Memphis, Tenn., he received pitching lessons from Mauro Gozzo, a former Major Leaguer. Having been active in various charitable causes, Cain has found another method of using his platform as an athlete in a positive way.
"Baseball has brought a lot of friends into my life," he said.


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AARP Level Benefit Term Life Insurance
Provides up to $100,000 of valuable group term life insurance, exclusively for AARP members from New York Life. There's no medical exam. Your acceptance is based on your answers to health questions and other information you provide or give us permission to obtain.
It's a simple way to provide your family with resources to help:
- Make mortgage or loan payments
- Cover your family's everyday bills
- Pay medical or final expenses, credit cards and other debts
Features and Benefits
- From $10,000 to $100,000 in life insurance coverage
- No waiting period
- No medical exam
- Acceptance based on your answers to health questions and other information you provide or give us permission to obtain
- Affordable rates that increase over time
- Simple application; most who apply are accepted
- Higher coverage options also available. Call 1-800-607-6957
Who is Eligible
AARP members ages 50 to 74 are eligible to apply for this group coverage. Not a member? No problem! You can join and apply at the same time. Learn more about the benefits of AARP membership.
No Medical Exam
There is no physical examination or medical tests. Acceptance is based on your answers to health questions and other information you provide or give us permission to obtain.
|Current Monthly Rates
|Issue Age
*Premiums above are the rates New York Life currently charges to people who have not used any forms of tobacco or nicotine in the last 12 months. Tobacco and nicotine users will pay a higher rate. Your initial premium is based on your age at issue; premiums increase as you enter each new five-year age band and will be based on the current rates at that time. Premiums are not guaranteed; however, your rates may change only if they are changed for all others in the same class of insureds. Age bands end at ages 75–79. Coverage ends at age 80. If relevant statements of age or facts are not accurate, New York Life will make a fair adjustment of premiums and/or insurance. Residents of Florida: Jason Montgomery is a licensed Florida agent for service to Florida residents. Residents of MT have different rates than shown above.
No Waiting Period
You are covered for the full benefit amount from the first day coverage takes effect. Once you are approved, you'll have greater peace of mind knowing your family is protected.
Protection to Age 80
This insurance coverage can never be cancelled without your consent—regardless of your health. As long as you pay premiums when they're due and your Enrollment Form contains no misrepresentations about your medical history, you're covered to age 80.1
Guaranteed Exchange Privilege
At any time until insurance ends at age 80, you can exchange Level Benefit Term Life for permanent life insurance without a medical exam. Rates will be based on your age at that time.
30-Day Guarantee
You'll receive a Certificate of Insurance when coverage is approved. If you decide the coverage isn't for you, for any reason, you can return it within 30 days for a refund.
An Exclusion
If death results from suicide in the first two years, benefits will not be paid.2 (In Washington, specific state rules apply.)
Benefits Won't Decrease
Your benefits will remain the same for the full length of your coverage—even if your health declines.
Premiums are arranged in five-year age bands, and increase as you enter each new band.
Accelerated Benefit
If you're diagnosed with a terminal illness and given a life expectancy of 24 months or less,* you can access half your benefit amount and use the money for whatever you need.3
*12 months or less for NY.
Waiver of Premium for Certain Qualified Nursing Home Confinements
Premiums will be waived after 180 consecutive days of a nursing home stay ordered by your doctor.4 Your coverage will continue without interruption, but no premium payment will be required for as long as you're confined.
Simple Application
It doesn't take a lot of time or paperwork to apply for AARP Level Benefit Term Life. AARP members can apply by mail or online (in most states). There's absolutely no cost or obligation when you request information.Apply Online Now
At New York Life, we have a variety of coverage amounts and insurance options to fit your specific needs. For assistance finding the right protection, give us a call and we'll be happy to assist you.
Mon - Fri: 8 a.m. to 8 p.m. (ET)
Sat: 9 a.m. to 5 p.m. (ET)
You have a right of access to certain personal information we maintain in our files about you. You may request correction, amendment, or deletion of any information to which you may have access. You may receive a full description of your rights to access, correct, amend or delete information by writing to us at the address on the Enrollment Form.
Information regarding your insurability will be treated as confidential. New York Life or its reinsurers may, however, make a brief report to MIB Inc., a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its Members. If you apply for life or health insurance coverage or a benefits claim is submitted with another MIB Member company, MIB or New York Life will supply that company with the information in its file upon request.
To request that MIB disclose any information in its file to you, please call 866-692-6901. If you question the accuracy of the information, you may seek a correction in accordance with federal Fair Credit Reporting Act procedures. MIB's information office address is 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, and the website is www.mib.com.
‡ A.M. Best, Fitch and Moody's Investors Service Highest Rating. Standard and Poor's Second-Highest Rating.
1 During the first two years, New York Life reserves the right to cancel your insurance policy if your enrollment form contains misrepresentations concerning your medical history.
2 Missouri and North Dakota Residents: The suicide exclusion applies only for one year.
3 Please note that receipt of "living benefit" (accelerated death benefit) insurance proceeds may affect your eligibility for public assistance programs. Proceeds may be taxable. You may wish to consult your financial advisor and/or attorney to determine how this may affect your personal situation. Premiums will be lower when the benefit amount decreases by one-half.
Texas Residents: Death benefits will be reduced if a "living benefit" (accelerated death benefit) is paid. The acceleration of life insurance benefits offered under this certificate is intended to qualify for favorable tax treatment under the IRC of 1986. If these benefits qualify for favorable tax treatment, the benefits are excludable from your income and not subject to taxation. You are advised to consult with a qualified tax advisor about circumstances under which you could receive acceleration of life insurance benefits excludable from income under federal law. Receipt of acceleration of life insurance benefits could also affect you and your family's eligibility for public assistance programs (Medicaid, AFDC, SSI, or drug assistance). You are advised to consult with a qualified tax advisor and with social service agencies to determine how receipt of these benefits will affect your eligibility for public assistance. Premiums will be lower when the benefit amount decreases by one-half.
4 The nursing home must be primarily engaged in providing skilled nursing care under the supervision of a licensed physician. Nursing home does not include a home or facility used primarily for rest; for the care of drug addicts or alcoholics; for the care and treatment of mental diseases or disorders; or for custodial care. Premiums will be waived until age 80 if you are in a nursing home. At that time, you can exchange your coverage for permanent life insurance.
Your privacy is important to New York Life Insurance Company. We maintain physical, electronic and procedural safeguards that meet state and federal laws. Information we collect, such as name and address, about individuals who request product information will be shared:
• With AARP and its subsidiaries to analyze members' needs and interests. AARP may use non-member information to seek memberships. AARP may share non-health information with other AARP service providers to inform you of member benefits and services that may be of interest.
For residents of certain states, we will not share your information unless you permit us to do so. We will follow your state's privacy law if it differs from the policy described in this notice. To request a copy of our complete privacy notice or to request that your information not be shared, call 1-866-687-5160.
You have the right to access certain information we maintain in our files about you. You may request that we correct, amend or delete it. To receive a full description of these rights, write to us at the address on the Enrollment Form.
Pursuant to Texas Administrative Code 28 TAC § 21.107(d) this provides notification that the association's directors are not elected by its members and the directors may approve rate increases.
Florida Residents: In order to protect against the unintended cancellation of your life insurance coverage, you have the opportunity to have copies of lapse notices sent to another individual whom you designate. A designation form for this will be included with your Certificate of Insurance.


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Events Calendar
Saturday 22 September 2018
No events were found
NSC organises coaching programmes in conjunction with HB Sail. For more info: https://www.hbsail.org/
The O'Pen Skiff Regatta is on 10-12 January. More details about this event will be posted here shortly
RESULTS R1-9 U13 & U17 click to view Open Skiff
R1-10 Dev click to view Development
Latitude/Longitude: -39.485687 / 176.892407
Phone: +64 6 835 3811
Fax: +64 6 335 3602
63 West Quay
Ahuriri, Napier
New Zealand
We would like to thank our sponsors for their continued support and would encourage members to use them where possible. Please click here to view our sponsors.


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According to the Health and Safety Executive (HSE), nearly 17,000 workers in the United Kingdom suffer from the effects of hearing loss due to excessive noise exposures on the job.
While noise-induced hearing loss is permanent, it can be prevented! The HSE offers a variety of publications for employers about administering an effective Hearing Conservation program in specific industries at http://www.hse.gov.uk/pubns/noisindx.htm
There's growing evidence that shows chemical industry workers are particularly vulnerable to hearing loss.
Exposures to certain compounds (those containing lead, toluene, n-butyl alcohol and carbon monoxide) have been linked to increased hearing loss by themselves, and they are now known to combine synergistically with noise to cause increased hearing loss. Individual susceptibilities appear quite varied, and the offending noise levels are difficult to generalize.
Hearing professionals recommend increasing the frequency of audiometric testing for noise-exposed employees who are also exposed to significant levels of ototoxic solvents, heavy metals and other chemical compounds.
Over 500,000 U.S. construction workers are exposed to hazardous noise on a regular basis.
But the use of hearing protection is the exception rather than the rule. A study of construction workers in Washington state showed that construction workers were exposed to 85 dBA or higher in about 70% of their workshifts, yet wore their hearing protectors less than 20% of the time.
On the up side, the study also concluded that, on average, workers achieved more than half of an earplug's published Noise Reduction Rating (NRR), and that most times, this was just enough protection for their application.
According to a study by the National Institute for Occupational Safety and Health (NIOSH), over 500,000 construction workers are exposed to hazardous noise.
It's very prevalent.
In a study of construction workers in Washington state, results showed that construction workers were exposed to 85 dBA or higher in about 70% of their work shifts, yet wore their hearing protectors less than 20% of the time.
Construction workers and laborers do use hearing protectors on the job - but not enough!
The use of hearing protection is the exception rather than the rule. A study of construction workers in Washington state showed that construction workers were exposed to 85 dBA or higher in about 70% of their workshifts, yet wore their hearing protectors less than 20% of the time.
On the up side, the study also concluded that, on average, workers achieved more than half of an earplug's published Noise Reduction Rating (NRR), and that most times, this was just enough protection for their application.
Recent studies indicate as many as 60% of construction workers have suffered a significant decline in hearing.
By the age of 41, only one in five have normal hearing, and after 16 to 25 years on the job, the average worker has the hearing of someone 20 years older.
While there is an array of activities happening on a work site at any given time, most construction noise averages less than 100 dB, ranging between 85 - 95 dB.
While this does not lessen the need for hearing protective devices (HPDs), using lower attenuating and uniform attenuating hearing protectors can help workers avoid overprotection and thus improve overall worker safety.
Construction workers and laborers are exposed to a variety of continuous and intermittent noise exposures on the work site.
100+ dB: Immediate Noise Hazard - Protection Required:
90-99 dB: Significant Noise Hazard - Protection Required
85-89 dB: Protection Recommended
Miners have the highest incident of noise-induced hearing loss amongst all occupations.
Nearly 80% of American miners are exposed to noise levels that exceed 85 dBA. 25% of these miners are exposed to noise levels higher than the 90 dBA Permissible Exposure Limit (PEL).
90% of all coal miners above the age of 50 have a hearing impairment. By the time coal miners retire, they are nearly guaranteed a moderate hearing loss.
Noise-Induced Hearing Loss (NIHL), despite 25 years of regulation.
The use of heavy equipment, the drilling of rock, and the confined work environment all contribute to high levels of noise exposure in mining. Every day, 80% of miners work where the time-weighted average (TWA) exceeds 85 dBA. Moreover, 25% are exposed to a TWA noise level that exceeds 90 dBA - the permissible exposure limit (PEL). As a result, as many as 70-90% of all miners have NIHL significant enough to be considered a disability.
Noise-Induced Hearing Loss (NIHL) is an across-the-board risk in all industries - including mining.
In one study, approximately 40% of noise survey samples taken for longwall occupations exceeded the Permissible Exposure Level (PEL) of 100%. Noise doses up to 786% for longwall coal mining system workers were sampled in such job classifications as shearer operator, jacksetter (shieldman), longwall foreman, and headgate (stageloader) operator(1).
Another study found that 69% of the noise exposure of sand and gravel miners at surface and nine dredge operations was over the 85 dBA REL. The same survey reported that 48% of these miners never used hearing protectors(2),
Noise-Induced Hearing Loss (NIHL) is permanent and irreversible.
One NIOSH study found that by age 50, about 90% of coal miners and 49% of metal/nonmetal miners had a hearing impairment (as compared with 10% of the non-occupational noise-exposed population). Simply stated, most miners have a hearing loss by retirement.
More than 2/3 of British troops returning from
In a study released by the Deafness Research Foundation and the UK Ministry of Defence, nearly 69% of
Noise-induced hearing loss is the top disability amongst US military personnel.
According to the Deafness Research Foundation, more than 65% of returning combat troops from Afghanistan suffer from noise-induced hearing loss. Many troops sustain acoustic trauma – hearing loss – when exposed to very loud blasts, such as incendiary explosive devices (IEDs).
Though MP3 players and other personal listening devices have become smaller over the years, they still pack a punch. Some devices have volume outputs of 100 - 107 decibels and higher(1).
As a rule of thumb, you can listen at 80% of a personal listening device's maximum volume safely with earbuds or headphones for 90 minutes per day without the risk of noise-induced hearing loss. If you listen at a lower volume, you can listen for longer; for higher volumes, less time.
In 2009, the European Commission has recommended that MP3 players and other personal listening devices be limited to a default maximum volume setting of 80 dBA, a noise level comparable to a hair dryer or commuter noise. Though it would not limit the maximum output volume of the device, it would provide starting point for safe listening and provide the user with a warning that listening at too high volume over extended periods of time could cause noise-induced hearing loss.
In certain sections, musicians are exposed to an average 90 dBA and peak exposures of 130 dBC!
In 2006, the Liz Brueck of the UK Health & Safety Laboratory performed a study on the noise exposures classical musicians experienced during both rehearsals and performances. While many people consider classical music a "quieter" music, to be enjoyed for its subtle nuances, live performances can be particularly stunning – and loud!
In measuring average and peak ambient noise levels, it was determined that the musicians were exposed to over 87 dBA – the EU Exposure Limit Value, or the maximum allowable noise level in the ear with all hearing protection in place! Strings averaged 90 dBA during a performance. The brass section averaged 95 dBA in the center, and 131 dBC in peak exposures. In the percussion section, musicians averaged exposures over 90 dBA, with upwards of 130 dBC.
The study recommended that the orchestra layout be rearranged to protect players from the loudest sounds – and that brass musicians wear hearing protection!
If you can't be heard from an arm's length away, you should be wearing an HPD.
If you don't have scientific tools to give you an accurate picture of your noise level risk, you can get an "unofficial," ballpark idea as to your risk of NIHL. Just stand at arm's length from the person you're speaking to; if you have to raise your voice to be heard, the noise in your area is potentially at a hazardous level.
While print and Web materials are useful, it has been shown that face to face tutorials—especially sessions where one-on-one instruction is employed.
Numerous studies show that the most effective way to teach workers about correct hearing protection habits and usage is through one-on-one training.
It's best to provide workers with Hearing Conservation training at the time of their annual audiogram.
In a report by the UK Health and Safety Executive (HSE), at worksites where managers reportedly provided training in the use of hearing protectors, about two-thirds of the workers could not recall or recognize having been trained. Only 20% of workers recalled receiving training on factors that limit the effectiveness of hearing protectors, even though all their managers reported providing that training.
There is one standout aspect of hearing conservation that was very memorable for workers: the audiometric test. Fully 83% of workers at companies administering hearing tests reported receiving the test. Many employers find that the most effective time for administering hearing conservation training is in conjunction with the annual audiometric testing, when the worker is tuned into his personal safety and health.
Yes, workers with a hearing impairment (including those who wear hearing aids) or are deaf must be included in an occupational hearing conservation program if they are exposed to hazardous noise.
Employers are still required to provide annual audiometry and training, and those workers exposed to hazardous noise must wear hearing protection devices (HPD). These workers still need to preserve whatever hearing they still have.
Though a worker may be hearing impaired or deaf and wear a hearing aid, they are still required to use hearing protection when exposed to hazardous noise levels. While a conventional single-use foam or multiple-use earplug may not be ideal for these workers, there are several options available from manufacturers - such as uniform attenuating HPDs or sound amplification protectors.
Noise-induced hearing loss is the most common permanent and preventable occupational injury in the world.
NIHL is 100% permanent. But it's also 100% preventable.
Damage to the eardrum is permanent.
Noise-induced hearing loss primarily damages the outer hair cells in the cochlea or inner ear. Damage can be temporary or over time, damage is cumulative and permanent.(1) A ruptured eardrum usually heals within a few weeks without treatment. Sometimes, you may need a procedure to promote healing of a ruptured eardrum, or need surgical repair for a ruptured eardrum. (2)
Hearing loss typically occurs at repeated, unprotected exposures above 90 dB (about as loud as a handsaw or a forklift), but most people don't feel pain in their ears until noise levels reach 120 dB—the noise level of a jet engine.
After hearing loss, the most common indication of noise damage is ringing in the ears (called "tinnitus"). If you experience this regularly after work or leisure activities, you should look into HPD, ASAP.
The telltale sign of NIHL is speech sounding distorted and less clear—but not necessarily softer. You can still hear people talking to you, but it's harder to make out all the exact words.
The most sensitive part of the eardrum is the region that detects high-frequency sounds. So whether hazardous noise is low-frequency (a foghorn) or high-frequency (static), a high-frequency hearing loss—where speech occurs—is the result.
Noise-induced hearing loss causes no pain, no visible trauma, and leaves no visible scars.
An ear damaged by loud noise looks just like a normal ear. Ears don't bleed, bruise or scar; damage to the eardrum is invisible to the naked eye. In short, you can't judge someone's hearing by looking at his or her ears.
Your mother is a smart woman, but there are some things that are completely safe to insert in your ear.
Most of us heard the old elbow bit from our mom, and yes: It is true that using cotton swabs, erasers, pen caps, paper clips or pinky fingers to clean the ears is not safe. But earplugs are designed to protect the sensitive hearing mechanisms while never coming close to touching the ear drum—even when deeply inserted. (But remember: Your mother was right about everything else.)
Removing an earplug for just a few minutes in an area where HPD is mandated during the workday will negatively affect overall protection effectiveness, raising your NIHL risk dramatically.
Removing a 30 NRR earplug for only five minutes reduces effective protection to only 26 dB. Removing the earplug for 30 minutes and the effective protection drops to 18 dB during an eight-hour shift. This seemingly small act can turn adequate protection into increased NIHL risk.
Foam earplugs offer more protection from noise than earmuffs—when they're properly fit in the ear canal.
It's more about correct use than style: A poorly-fit foam earplug actually offers little or no protection from noise. And that piece of cocktail napkin you grabbed from the bar and moistened with saliva? A very, very distant third place.
One-on-one training has the most significant impact a good earplug fit.
In a recent study of factors that influence a good earplug fit, there were no personal factors that were accurate predictors of a good fit of an ear plug in the field: Gender, age, years in noise, ear canal size, familiarity with product, and the model of earplug were simply not good predictors of whether a user would achieve good attenuation.
When program factors were evaluated to predict a good ear plug fit, there was one factor that stood out distinctly with a strong correlation: one-on-one training. That is, the more often a worker had received individual training in the proper use of hearing protectors, the higher the probability of a good fit. The same could not be said for group training; it appeared to make no difference at all whether a worker had attended zero, five, or 10 group training sessions in hearing protection, when measuring good attenuation in the field. (There are other good reasons to offer group training in a Hearing Conservation Program, but group training is not the best method for teaching hearing protector fitting procedures.)
Enforcement was also a good predictor of good earplug performance, but only when it was coupled with one-on-one training. When strong enforcement policies were in place without proper training, workers were actually more likely to have a poor fit than a good fit.
Institutional savings as a result of addressing NIHL can reach the hundreds of millions.
From 1974 to 1994, the US Army saved $504.3M by reducing hearing loss in combat personnel through a dedicated Hearing Conservation Program. Between 1987 and 1997, the Army and the Department of Veterans Affairs saved another $149M and $220M, respectively, by reducing civilian hearing loss.
Occupational hearing loss costs an estimated $242.4 million per year in disability alone.
This amount is based on the Washington state 1991 workers' compensation hearing-related disability settlements, extended across the national workforce. It doesn't include other costs that can include roughly $1500 for a hearing aid and approximately $300/year for batteries. It should be noted that, due to under-reporting, workers' compensation data is generally believed to reflect an incomplete picture.
NIHL is the most common occupational injury in the United States.
22 million US workers are exposed to hazardous noise at work on a daily basis and approximately 9 million Americans suffer from NIHL.
While less than 10% of the general population is hearing impaired, 50% of carpenters and plumbers—and 90% of retiring coal mine industry workers—have NIHL.
NIHL is a risk in a wide range of work environments, but workers in some industries have higher exposures to dangerous levels of noise. These industries include: agriculture, mining, construction, manufacturing, utilities, transportation and the military.
Miners have the highest incidence of occupational hearing loss in the
At least 80% of American miners are exposed to noise levels that exceed 85 dBA; 25% of these miners are exposed to noise levels higher than the 90 dBA Permissible Exposure Limit (PEL). Ninety-percent of all coal miners above the age of 50 have a hearing impairment. By the time coal miners retire, they are nearly guaranteed a moderate hearing loss.
Nearly half of adult children say that their parent's hearing loss has affected their relationship with that parent.
According to a recent survey by Energizer, 45 percent of adult children said that a parent's loss of hearing has affected their parental relationship. In addition, one in three of those surveyed said their parent misses important details about their lives.
Tellingly, 72 percent of parents agree with those findings. So, yes: it does matter.
Workplace noise isn't any more or less harmful than any other type of noise. It's exactly the same.
Hazardous noise occurs both on the job and off. You are exposed to dangerous noise levels in many areas of your life, whether at a music concert, a racetrack, using a belt sander or just mowing the lawn. All hazardous noise, wherever you are exposed to it, forms part of an overall cumulative risk that can damage your hearing—even if you follow every HPD rule at work.
Shutting out distracting aural stimuli in your vicinity can enhance your ability to concentrate.
Using earplugs helps to keep your mind free from unwanted intrusions (or "white noise"), allowing you to keep your attention on what you're doing, rather than what everyone else in the world is doing around you.


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Rerouting Paseo around the law
At this moment, the lawsuit filed against the mayor and Albuquerque City Council by the New Mexico Archeological Council, National Trust for Historic Preservation and a consortium of other environmental and social justice groups over Paseo del Norte is like two sumo wrestlers doing their stretches. It's all preliminary wrangling over matters of state law.
News Interview
The Last Iconoclast
An interview with Greg Palast
Greg Palast grew up in a Los Angeles house sandwiched between a landfill and power plant. Maybe there was something in the air that made him crazy—in a good way. Maybe it's the kind of upbringing he endured in the "scum end of L.A." that gave him his perspective on the human condition, which has led him to become one America's most fearless and yet little known investigative journalists. Little known in his own country, that is, but popular in Europe, where he reports for England's BBC TV network and the nation's leading newspapers, the Guardian and Observer.
Ortiz y Pino
Another Economic Dead-End
The president of El Salvador, Tony Saca, was in town last week, pumping hard for support for the Central American Free Trade Agreement (CAFTA). His audience at a breakfast at the Hispanic Cultural Center was the Greater Albuquerque Chamber of Commerce, one in a two-week cavalcade of infomercials and pep rallies across the country.
Stupid Yellow Ribbons
Do something to really support the troops
Those stupid yellow ribbons. None of the U.S. soldiers in Iraq benefit when someone slaps a "Support Our Troops" magnet on the back of their car. It's Chinese manufacturers and their stateside retailers that benefit from each sale. The proceeds do not "Support Our Troops."
Odds & Ends
Dateline: Russia—A Russian astrologer named Marina Bai wants nearly $250 million in damages from NASA for upsetting the balance of the universe. According to Russia's Pravda news site, Bai believes that NASA's Deep Impact space probe, due to smash into the Tempel 1 comet on July 4, is a "terrorist act." NASA scientists hope the mission will reveal what comets are made of when they observe the probe's impact. In addition to disturbing the movement of cosmic forces, Bai believes that the comet impact is also a personal assault on her grandparents, as the comet heralded the beginning of their relationship. One court has already thrown out the case on the grounds that Russia has no legal jurisdiction over the American space agency. Bai's lawyer has taken the case to a higher court which is debating if NASA is in fact representing Russia through the U.S. embassy in Moscow.
I am a longtime Alibi reader, and I've had enough. To be specific, I've had enough of Greg Payne and his childish column, "Payne's World"--which is a little like Michael Jackson's Never Land: seems nice and harmless on the outside, but it's really sick and twisted on the inside.


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Aquarium - Panorama Border
Width: 400 cm - Height: 11 cm
Material: paper, self-adhesive, matte finish
extratapete (the manufacturer) writes:
This scroll is not only entertaining, it is also educational. No repetition, just like in the real world (and among the frolicking fishes). Self-adhesive and easy to apply.
Images are not repeated within the roll. The ends of the rolls can be connected, thus allowing for a seamless repetition of the motif. All borders have a 2 mm white border on the top and bottom.
The Panorama Border rolled out - heavy downsized:
An example:


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Posted by: scottishwriters on June 11, 2018
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