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Join us in celebrating one of the most popular FINAL FANTASY stories of all time! FINAL FANTASY X|X-2 HD Remaster takes you into the adventures of Tidus and Yuna in beautiful, remastered HD.
"The world lies on the brink of destruction. Only a select few may be able to save it."
In ages past, the world of Spira experienced a golden age of perfection, brought about by an advanced civilization through the use of wondrous machinery called machina..
However, around one thousand years before the present day, a colossal menace known only as "Sin" appeared and sundered all before it. Though a line of summoners have since brought Sin low many times, it inevitably returns in an unending cycle of destruction. In the face of this ever-pervasive threat, the people of Spira flocked to the teachings of Yevon, which tell that Sin is a punishment to those who relied overly on machina.
Tidus is a young Blitzball star that mysteriously finds himself in Spira after his home city of Zanarkand is destroyed by Sin one thousand years in the past. Believing Sin to be the key to returning home, Tidus joins a young summoner named Yuna on her pilgrimage to destroy Sin and bring about the Calm.
Tidus is a cheerful, rising blitzball star playing for the Zanarkand Abes. He has long resented his father, who was a renowned player himself before his untimely death. Tidus's quick moves allow him to attack even the swiftest foes with ease.
"This is
my story..."
Daughter of High Summoner Braska. Honest and determined, Yuna embarks on a pilgrimage to obtain the Final Aeon and defeat Sin.
Yuna is learning the mystical art of summoning Aeons - powerful spirits of yore.
"I will defeat Sin...
I must defeat Sin."
"Last time she saved the world. This time its personal!"
Two years have passed since Sin was destroyed. Since her victory and becoming a high summoner, Yuna has lived on her childhood home of Besaid Island. Then one day, Rikku comes to Besaid and shows Yuna a sphere. The recording is of him. Or is it?
Yuna can't tell whether it's him or just someone who looks like him. If it is him, Yuna might be able to see him one more time. No matter what the truth may be, the answers she finds may change things forever.
After defeating Sin, Yuna returned to her home on Besaid. The days passed without incident, but she still sensed something missing in her quiet existence. A movie sphere that Rikku showed her gave her a reason to journey once more.
For now, life as a sphere hunter affords Yuna the chance to live on the wild side. Old habits die hard, though. Yuna still can't walk away from people in need.
"Things are...
In the two years since she helped Yuna defeat Sin, Rikku has travelled with other Al Bhed around Spira, teaching people all there is to know about machina.
During the so-called "search for truth" that overtook Spira after Sin's defeat, a group of Al Bhed joined the ranks of sphere hunters. With their airship, the Celsius, as a base, Rikku, Buddy and Brother founded the Gullwings. Rikku invited Yuna to join the Gullwings and they have been travelling together ever since. As always, Rikku's endless supply of energy keeps the team on their toes.
"Y.R.P. In position.
It's showtime, girls."
Paine is armed with a one-handed sword and a lukewarm attitude. It seems she joined the Gullwings because of something that happened in her past. However, none of the Gullwings know exactly what that might be. The often ridiculous antics fo the Gullwings tenc to prompt sarcastic remarks from Paine, but the others don't seem to worry about it too much.
"Maybe we should both let go of our past, and focus more on what's to come."
>However, around one thousand years before the present day, a colossal menace known only as "Sin" appeared and sundered all before it. Though a line of summoners have since brought Sin low many times, it inevitably returns in an unending cycle of destruction. In the face of this ever-pervasive threat, the people of Spira flocked to the teachings of Yevon, which tell that Sin is a punishment to those who relied overly on machina.
If you are a fan of the Final Fantasy franchise, check out all the latest Final Fantasy XV games and accessories available for PlayStation 4 and Xbox One.
Pro Price


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SYDNEY (Reuters) - Australia's largest investment bank Macquarie Group Ltd (MQG.AX) is pushing rapidly into home mortgages, threatening to disrupt a highly profitable segment of the banking industry long dominated by the country's top four lenders.
Australia and New Zealand Banking Group Ltd (ANZ) (ANZ.AX), Commonwealth Bank of Australia (CBA.AX), National Australia Bank Ltd (NAB) (NAB.AX) and Westpac Banking Corp (WBC.AX) are on track to report a combined record profit for the fifth consecutive year. Part of the profit stems from their leading positions in the country's $1.25 trillion mortgage market.
Together, the four write as much as 90 percent of the nation's home loans. They typically make a profit of almost A$75,000 ($71,900) over the lifetime of an average sized 25-year home loan, excluding fees charged, according to estimates by The Australia Institute, a Canberra-based think tank.
The prospect of such lucrative gains appears to have enticed Macquarie to expand rapidly into residential mortgages in its own backyard this year. Such a move, analysts say, has the potential to shake up the industry, offering borrowers a competitive alternative to the Big Four.
"Macquarie is probably the standout and the more aggressive mortgage lender at the moment," said Paul Dowling, principal analyst at East & Partners. The research firm says the investment bank is deploying "considerable cash balances".
A Macquarie spokeswoman declined to comment on the bank's moves in the mortgage sector.
Macquarie's share in mortgages for investment purposes jumped 25 percent in the three months to July alone, although that still only accounts for 1.1 percent of the overall investor mortgage market, UBS analysts have calculated.
Its push comes as Macquarie diversifies away from investment banking into less riskier areas, and is seen as smart use of capital when return on equity from the mortgage market is high. The investment bank also has more liquidity, giving it a strong base to fund home loans.
Other firms too are delving deeper into Australia's home loans market, including mortgage group Yellow Brick Road Holdings Ltd (YBR.AX), 14.9 percent-owned by Macquarie, and the Australian arms of ING Groep NV ING.AS and Citigroup Inc (C.N).
To raise more funds to lend to home buyers, those smaller lenders are now securitizing mortgages in a market which came to a halt just a few years ago after the global financial crisis spooked investors and lifted the cost of funding to exorbitant levels.
While funding costs are still significantly more expensive than in 2006 before the crisis, they have sufficiently fallen from the peak to allow small lenders to take a crack at the Big Four's stranglehold of the home loans market.
The Big Four haven't always had such dominance. Before the crisis, smaller lenders had 30 percent of the market. They included Australian regional banks such as St George Bank, Suncorp Metway and Adelaide Bendigo Bank, and non-bank lenders like Resimac RSMAC.UL and FirstMac.
Australian arms of international lending institutions were also part of the group, with Citi and ING able to gain a solid presence even without the brand recognition in the country that Macquarie enjoys.
Talk that Australia's housing market is in a bubble has intensified with a spike in an index for home prices in the country's major cities to an unprecedented high as well as close to record auction clearances in parts of Sydney.
Financial authorities have sought to quash such talk, with the central bank calling it "unrealistically alarmist". But the fears themselves are real and the banks' earnings over the next two weeks will be scrutinized for any hints as to the health of the mortgage market.
ANZ, Commonwealth Bank, NAB and Westpac are on track to report an 8.5 percent rise in combined full-year cash earnings to A$27.1 billion.
Any shifts in home loan market share for individual banks are also set to go under the microscope, with analysts citing commentary on mortgage demand and pricing from the banks as drivers for share prices.
Australian mortgages represent 61 percent of gross loans and advances for Westpac, 60 percent for Commonwealth Bank, 45 percent for NAB and 42 percent for ANZ, according to figures from UBS.
Westpac may be of particular interest after it experienced slower growth in its domestic mortgage book of 3.8 percent in the 12 months to the end of August, compared to the banking industry average of 5.1 percent.
It reports on November 4 and is expected to post annual cash earnings, which exclude one-off and non-cash items, of A$7.1 billion, up 7.6 percent on the year before, according to an average of estimates from three analysts polled by Reuters.
ANZ reports on October 29 and is projected to book a 9.8 percent rise in full-year cash earnings of A$6.4 billion. NAB is expected to post a 6.8 percent rise in annual cash earnings to A$5.8 billion on October 31.
Commonwealth Bank, the nation's biggest lender by market value, is expected to report first-quarter cash profit on November 6 of around A$2.15 billion, up from A$1.85 billion from a year earlier, Morningstar analyst David Ellis has projected.
It reported full-year cash profit of A$7.82 billion in August.
Two analysts surveyed by Reuters expect Macquarie, which reports on November 1, to log first-half net profit of A$475 million, up 32 percent from a year earlier.
(Editing by Lincoln Feast and Edwina Gibbs)
This story was refiled to remove extraneous word "been" in the first paragraph

subset: commoncrawl


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Boutique investment firm Moelis & Co. filed for an initial public offering with the Securities and Exchange Commission on Tuesday, as the firm claims more and more companies are shifting away from using large banks.
The firm founded and run by veteran banker Kenneth Moelis, pulled in revenue of $411 million in 2013, in its sixth year of operation. The $100 million IPO could happen as early as this spring, after Moelis took advantage of the Jumpstart Our Business Startups Act that allows startups under $1 billion in revenues to file quietly.
Moeilis has been part of some of the biggest M&A deals in recent years, including the $61.2 billion sale of InBev SA to Anheuser Busch and the $28 billion sale of Heinz to Berkshire Hathaway and 3G Capital, Inc.
According to the filing, the firm has snapped up deals totaling more than $1 trillion of transactions, including three of the 10 largest announced global mergers and acquisitions and four of the 10 largest announced global recapitalizations and restructuring deals in 2013.
The firm cites the rise of independent consulting firms as part of a shift away from the large banks where "actual or perceived conflicts" exist between the sales and trading, underwriting and lending businesses and an advisory business.
"During the past decade, the demand for independent advice has increased dramatically," the firm said in its filing. In 2013, 80% of the top 10 M&A deals included independent advisors, according to the filing.
The firm acknowledges intense competition in the industry and says apart from the big firms, it sees the other independent investment banking firms, such as Evercore Partners Inc., Greenhill & Co., Inc., Houlihan Lokey, Inc., Lazard Ltd and NM Rothschild & Sons Limited, as its main rivals.
The firm also anticipates an upturn in M&A activity despite volumes being down since the financial crisis. "We expect a more robust M&A environment to increase deal flow and enhance our growth," it said.
And the firm is relying on a recovery in Europe to beat the competition.
"We have made substantial investments in Europe, with over 60 advisory professionals in the region, while some of our competitors have scaled down their operations in Europe, and we expect to be well positioned when the European M&A market rebounds."
Moelis is asking to list under the ticker 'MC' on the New York Stock Exchange and Goldman Sachs Group Inc. and Morgan Stanley are listed as its underwriters.
The firm has ramped up its global headcount to approximately 300 employees, including 88 managing editors around the world in 14 offices over the past six years. And according to the filing, Moelis has agreed to remain CEO and chairman for the first three years after the IPO.
The top three Moelis executives were paid $400,000 annually, not including bonuses, and apparently travel in style. The filing reveals reimbursement for any "private airplane travel" they may incur.
Twitter had some Tweets for Moelis:
-- Follow The Tell on Twitter @thetellblog
-- Sital S. Patel
-- Follow Sital @Sital
More on MarketWatch:
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Boomers, don't be stupid with your nest egg


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997 St. Sebastian WayAugusta, GA 30912706-721-6597
1446 Harper StreetAugusta, GA 30912706-721-5437 (KIDS)
1003 Chafee Ave.Augusta, GA 30912 706-721-2426
1447 Harper StreetAugusta, GA 30912-5536706-721-CARE (2273)
1120 15th StreetAugusta, GA 30912706-721-2273 (CARE)
1411 Laney Walker Blvd.Augusta, GA 30912706-721-6744
821 St. Sebastian WayAugusta, GA 30912706-721-2971
1220 West Wheeler PkwyAugusta, GA 30909
6135 Roosevelt Highway Warm Springs, GA 31830
2011 Westend DriveGreensboro, GA 30642
If you have trouble falling or staying asleep or experience problems with excessive daytime drowsiness, you may suffer from a sleep disorder such as sleep apnea, insomnia, narcolepsy, restless legs syndrome, periodic limb movement, parasomnias or nocturnal seizures.
But Augusta University Sleep Center can help.
World-class Care for Sleep Problems in the C.S.R.A.
The area's oldest, most established facility of its kind and the first to be accredited by the American Academy of Sleep Medicine, Augusta University Sleep Center treats more patients and performs more sleep studies than any facility in or around Augusta, Ga. It also serves as a training ground for sleep medicine physicians from across the nation. The six-bed center offers:
Full-service, Patient Family Centered Care for everyone from neonatal to geriatric patients, making it one of the few sleep centers in the Southeast to treat pediatric sleep disorders.
A multidisciplinary team of physicians to address the full range of sleep disorders. The team includes three board certified sleep medicine physicians as well as pediatric and adult pulmonologists, neurologists, ENT physicians and dentists, psychologists and other specialists.
A full range of sleep studies performed by the largest staff of Registered Polysomnographic Technologists in the area.
A comprehensive array of treatments including lifestyle changes, breathing devices such as continuous positive airway pressure (C-PAP) machines, dental sleep medical care and devices, cognitive behavioral therapy, surgery and other therapies.
No wonder physicians throughout Georgia and South Carolina refer their most complex sleep disorder cases to the Center. Why not make the Center your first stop and come directly to a team of skilled specialists?
Hours: Mon-Fri 7:30am-5:30pmMore contact info
Augusta University Medical Center
1120 15th Street Augusta, GA 30912


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Though we pronounced Windows Mobile 6.5 anything but intrepid, Samsung is bringing a WinMo 6.5 phone by that name to Sprint. It should be available October 11th, and looks pretty much like Sammy's old BlackJack line.
The Samsung Intrepid is a full QWERTY phone with a 2.5-inch, 320x240 touchscreen, packing ho-hum features like a 3.2MP camera and Wi-Fi. It'll cost $150 with a 2-year contract on Sprint, which seems pretty pricey considering the Palm Pre retails for the same, but could be a decent businessphone if your business happens to be attached to WinMo. It'll be available October 11th. [Laptop Mag, Press Release]


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you for your diligent efforts in reaching out to your state Departments of
Transportation (DOT) and governors about the Recreational Trails Program
(RTP). Because of your grassroots efforts, nearly every state has decided
to continue their RTP for fiscal year 2013. Currently, only Florida and
Kansas have decided to "opt out" of the RTP. StreetsBlog
is reporting that grassroots efforts in New York and New Jersey played a key
role in those states deciding NOT to "opt out" of the program.
RTP opt-out provision is just one of many decisions that governors and state DOTs
have authority to make under the new surface transportation law, MAP-21.
In the coming weeks and months, states will continue to make critical decisions
about the future of active transportation programs and it is imperative that
landscape architects continue to influence these decisions. The Alliance
for Bicycling and Walking and the League of American Bicyclists have partnered
to form Advocacy Advance,
which will provide advocacy tools to local advocates in all 50 states and the
District of Columbia to help secure important active transportation projects in
their communities.
ASLA, along with other design, bicycling and walking, health
care, historic preservation and other organizations, is working to engage
members in some of Advocacy Advance's grassroots efforts. Advocacy
Advance has assigned a state
contact for each state to help coordinate all grassroots efforts in the
If you would like to become involved with Advocacy Advance's
grassroots efforts to continue bicycling and walking projects in your state and
local communities, please contact your state
contact or volunteer to become a state contact in your state. Some of your ASLA chapter advocacy contacts have already engaged with Advocacy
Advance and have led successful advocacy campaigns in their state.
Kevin FryDirector, PR and Communications firstname.lastname@example.com JR Taylor PR Coordinator email@example.com


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Sep 09, 2003
Sept. 9, 2003
A group of talented underclassmen return to the Yale men's squash program, and look to propel the team to the Ivy Championship this season. Last winter, the Bulldogs finished second in the Ivy League with a 5-1 Ivy record, and 17-2 record overall. Two freshmen that played at the No. 1 position are back this season, Julian Illingworth, an All-Ivy selection, and Avner Geva. The Bulldogs will also look to juniors Gavin Cumberbatch, who played 18 matches undefeated last season, and Joshua Schwartz for depth.
Yale plays its first match against Williams on December 3 at the Brady Squash Center.


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By JOHN FLOWERS
MONTPELIER — The Vermont House on Tuesday voted 77-63 in favor of a bill that would allow organic farmers to seek damages from the manufacturers of genetically modified seeds, if those products taint their crops through pollen drift or some other accidental event.
The controversial measure is far from a done deal, however. It now requires Senate approval, after which it would require the signature of Vermont Gov. James Douglas, a Middlebury Republican.
Douglas administration spokesman Jason Gibbs minced no words on Wednesday when asked whether the governor would support the House-passed measure.
MIDDLEBURY — Work crews soon will launch the first of what will be two of the busiest municipal construction seasons in Middlebury's history, with reconstruction of Seminary Street; replacement of water/sewer infrastructure along College Street; and installation of better signalization on Court Street highlighting this year's projects.
"The next few years will be kind of painful, but once we're done, we should be set for a couple of years,� Middlebury Director of Operations Dan Werner said.
Work is scheduled to get under way later this month, when Tom Vanacore & Co. of Bridport begins the last phase of masonry work on the Battell Bridge in downtown Middlebury. The company has already completed filling cracks between the large stone blocks that make up the bridge's three massive arches. Crews this spring will perform the same kind of work on the bridge railings on both sides of Main Street.
By HARRIETTE BRAINARD
NEW HAVEN — No one who has spent any time with Andy Lott would disagree that he is good natured, likeable, caring and constantly on the move. A local veterinarian who works only with horses, Lott has been practicing in Vermont since 1998. His practice now covers an enormous area spanning much of central Vermont — from Chittenden County and the Stowe area to Manchester — and into New Hampshire. Consequently, Lott often is on the go seven days a week, day and night, partly because he finds it impossible to refuse care to any of his clientele's stock.
For years, Lott, 36, has had his practice based in Warren, but he will soon be opening the first horse clinic of its kind in Addison County, and only the second such clinic in Vermont. Called the Valley Equine Clinic, it will be located on South Street in New Haven. The only other similar clinic in the state is in Milton.
MIDDLEBURY — The Gailer School will celebrate a special homecoming this year — in a literal sense. After an eight-year hiatus in Shelburne, the small private school this fall will return to an as-yet-undetermined location in Middlebury, where Gailer got its start some 17 years ago.
"We anticipate something (initially) of a temporary nature in the town we want to make our permanent home,� said Christine Plunkett, director of finance and operations for the Gailer School.
Plunkett declined to discuss the temporary sites the school is currently evaluating in Middlebury.
The New York Times ran a touching and insightful editorial Friday about Theresa Marie Schiavo. The piece began by stepping back from what has been an intensely personal debate.
MIDDLEBURY — Around a dozen people turned out at the ID-4 school district annual meeting on April 12 to endorse a 2006-2007 Mary Hogan Elementary School budget of $5,337,045.
The small group also OK'd a proposal to spend $152,053 to replace the roof on the E wing of the school. Voters agreed to a series of account transfers to pay for the project with funds the district already has on hand.
"I'm very pleased,� ID-4 board Chairwoman Dawn Saunders said of the vote results. "I'm gratified that people are willing again to support the school.�
Saunders added she was disappointed with the small turnout, which she called the lightest in her eight years on the ID-4 board. She acknowledged that the meeting fell on the first night of Passover, a religious holiday that may have kept some voters at home or at their places of worship.
MIDDELBURY — One experienced attorney is replacing another at the helm of the Addison County Public Defender's office.
Officially taking the reins this month is longtime Chittenden County Public Defender Jerry Schwarz. He replaces Addison County Public Defender Lorin Duckman, whom Vermont Defender General Matt Valerio has promoted to a position through which he will deal with serious felony cases throughout the state.
Schwarz, 53, graduated from the University of Florida's College of Law in 1976. He immediately took a job as an assistant public defender in West Palm Beach, Fla., specializing in death penalty law.
MIDDLEBURY — Richard Romagnoli, a theater professor at Middlebury College, has dreamed of doing a production of the Peter Barnes play "The Bewitched� since he saw the original Royal Shakespeare Company production in London in 1974.
The satire, set in 16th century Spain, features 50 roles and Romagnoli felt he never had the right mix of actors and technical expertise.
"I had to settle for teaching a class in Contemporary British Theater, until last year, when it became clear that I would have the actors and the means to finally put on this production,� explained Romagnoli.
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School strikers are calling on everyone: young people, parents, workers, and all concerned citizens to join massive climate strikes and a week of actions starting on September 20.
People all over the world will use their power to stop "business as usual" in the face of the climate emergency. We will join young people in the streets to demand an end to the age of fossil fuels and emergency action to avoid climate breakdown.
HAHA das es solange gedauert hat bis ich den Spruch das erste mal lese musste gut lachen.
On 15.07.2019 uploaded on 17:35 Mirko Mantu o'clock by Computermaus
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Klasse Fanart weiter so ! lg :)
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Wow ich liebe Final Fantasy und dieses Cosplay ist der Hammer ! Weiter so. Awesome.
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Libertà para Carola. La verità la fare libera!!!
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Daybreak's Best of 2013: Restaurants
4 Roosevelt Ave., Mystic
(860) 572-8700
When I think of 4 Roosevelt, I immediately get a tingle in my nose, a remnant of the fiery and flavorful dishes I sampled for my review. From the life-altering papaya salad to the perfect shrimp curry, the preparations at 4 Roosevelt offer some of the highest expressions of basic ingredients I've had the pleasure to enjoy. We loved seven out of seven dishes sampled and have been recruiting friends to make the trip out to Mystic with us, just to add more dishes to the approved list. Factor in great ambience and friendly staff, and you've got greatness.
- Marisa Nadolny
Wood River Golf Course
78A Woodville Alton Road, Hope Valley, R.I.
(401) 364-0700
Lots of restaurants tout good food at affordable prices, but the 11th Green actually delivers. The dinner entrees here average about $15, and there's a good chance you'll take some home. And then there's the Wino Wednesday deal of two entrees and a bottle of wine for $29.95.
We've yet to have something that wasn't first rate but the most memorable are the veal saltimbocca, a glorious mixture of veal, prosciutto, mozzarella and mushrooms in a Marsala wine sauce; chicken risotto; and the best Rhode Island clam chowder I've ever had. The atmosphere at this family-run restaurant is laid back and casual.
- Tim Cotter
631 Boston Post Road, Westbrook
(860) 339-5392
You might scoff at a place that calls itself Bliss, but scoff not at the name of this prepared foods and gourmet grocery market in Westbrook. If you offered miles of fresh-made pasta/orzo/green/quinoa salads, alongside fried ricotta balls, frittatas, sesame noodles, grinders, soups, baked goods and so very much more, wouldn't you feel justified in cutting to the chase in your venue title?
Meanwhile, shop the butcher counter if you prefer to prep your own steaks and seafood, or grab a coffee, a muffin and a seat at a cafe table if you've got time in which to truly enjoy your bliss. Then get up and start shopping the cold case where dinners, soups, salads and fun desserts and cheeses await your menu plan.
In short, here's my nickname for this place: Foodie Heaven.
- Marisa Nadolny
386 Norwich-Westerly Road, North Stonington
(860) 535-2333
We might've been the last ones to discover this place. Or maybe not, if you haven't been there yet. When we went for dinner, the place was packed and many diners seemed to be regulars. The menu is extensive, ranging from calzones and pizzas to steaks, chops, seafood and Italian dishes. Everything, from the antipasto, to the entrees, especially the Stonington scallops and swordfish, and the desserts were excellent.
We returned for lunch, which was much more subdued, and I had a classic genoa grinder on a hard roll.
- Tim Cotter
381 West Main St., Norwich
(860) 886-0054
Tucked in a strip mall on the main drag in Norwich, the Fat Cat is a welcome destination. You can sit in the totally comfy bar up front, the more family-friendly dining room in the rear or, if the weather's nice, a side patio. The menu is solid, well executed and representative of the host family Nousiopouls' Greek heritage. We loved such dishes as the Eggplant Florentine, a Greek quiche special, Chicken Oscar and a maple-mustard-teased roast beef panini. The staff is eager-to-please, and the bar is a pretty nice place to watch a ballgame.
- Rick Koster
385 Bank St., New London
(860) 440-3663
If you're talking about the best restaurant in the city then Gaspar's is in the conversation. The kitchen does wonderfully creative things with fresh vegetables, seafood and beef, flavorful cheeses and a wide variety of vinaigrettes. We particularly enjoyed chili crusted shrimp, lobster ravioli and chicken caprese. The menu is on the small side, but that only left us feeling that great care went into our meals.
- Tim Cotter
13 Hamilton St., New London
(860) 439-1444
They say all good things come to those who wait, and in the case of Italian Express, this is very true. In my last official review of 2013, I discovered this wee little eatery that delivers big, giant, Italian flavor, run by spectacularly nice people. The house-made sausage and peppers knocked my socks off and I've made it my mission to recommend it to as many folks as possible. Plus, how can you not love a place where A. you can get a slice of pizza; and B. a slice is actually two pieces of pie? Daily specials are creative and the desserts are heavenly. What's not to love? Oh, and try the arancini - the sauce that comes with is as enjoyable as the main attraction.
- Marisa Nadolny
970 Poquonnock Road, Groton
(860) 440-8301
As per their gorgeous and delicious efforts in Stonington's Milagro, Martin and Genine Zavala have opened this spot and are twirling innovative and creative recipes based in fine continental Mexican cuisine. Seared Tuna Tacos with Mango Salsa, the vegetarian Echiladas al Horno (with vibrantly fresh spinach, onions and mushrooms), and Cod a Veracruzana were wonderful. And Pork Ribs a la Diabla, with a spicy crema fresca sauce, was maybe the best dish I had all year. The restaurant is lovely and colorful, and the small bar up front is an ideal place to explore their several designer tequilas.
- Rick Koster
516 Boston Post Road, East Lyme
(860) 691-0477
For folks who believe "pub food" is a sub-culinary form typified by pickled eggs and nachos, consider the work of chef Stevie Blanchard. Having earned legions of fans at Stash's and the Bank Street Cafe, Blanchard has anchored at this delightful and tiny neighborhood spot. Yes, Blanchard can throw down burgers and dogs, wings and chowders with the best taverns, but he's also creative and can adeptly spin such things as Ricotta ravioli, cinammon/chipotle spare ribs and ginger/carrot soup. The atmosphere is friendly and like a clubhouse, featuring weekend live music and an outdoor patio and firepit.
- Rick Koster
265 Post Road (Route 1), Westerly
(401) 315-0788
The folks who own the Sea Goose acknowledge on their website that we're pretty lucky in these parts to have access to some of the world's best, freshest seafood. Combine that good fortune with their seemingly innate ability to anticipate a 2013 restaurant-goer's every need and you have one of the best new restaurants in the region. Clams and oysters - raw and cooked - lobster, local flounder, haddock and bluefish meet grass-fed brisket, Berkshire pork, even spaghetti and meatballs on the Goose's creative and eclectic roster of daily lunch and dinner specials. The restaurant's upscale yet casual, beach-y atmosphere will make you feel like you're on vacation even though you live next door.
- Jill Blanchette
3175 Gold Star Highway (Route 184), in Old Mystic Plaza, Mystic
(860) 536-1985
Best four words ever strung together? "Breakfast served all day." Somewhere in Time offers the sweet - such as Christmas French toast made with apple cinnamon bread and drizzled with caramel and walnuts - and the savory - i.e. breakfast burritos and huevos rancheros. They also serve a delicious lunch. This place is somewhere delicious food is served in a homey atmosphere by people who genuinely seem happy to see you.
- Jill Blanchette
25 Spray Rock Road, Westerly
(888) 813-7862
Executive Chef Jennifer Backman demonstrates her understanding of fresh, local ingredients in every dish she prepares, from her simple yet memorable native greens salad with quenelles of local ricotta cheese, to her braised lamb with shallot comfit and grilled Brussels sprout leaves, to her espresso crème brulee topped with banana-brown sugar mousse and two tiny churros. The food is consistently surprising and delicious from course to course and from meal to meal. And although the inn's "comfort and low-key luxury" come at a hefty price, if you're looking to splurge, you won't be disappointed.
- Jill Blanchette


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Watch video of Carl and his million mile truck.
Stop buying air filters over and over. Get a K&N and add performance for a lifetime!
Find a K&N Filter for your car or truck!
The Miles Keep Rolling On for K&N's Famous Million Mile Truck
K&N Presents Carl with New Truck!
Original news story about Carl and his million mile truck.
Search for a K&N dealer
This is Carl Judice of New Iberia, Louisiana. Carl drives a three quarter ton Chevrolet pick-up truck for both work and pleasure. It may not look like much, but Carl likes it just fine. You see, Carl's truck has been running the same K&N Lifetime air filter for over a million miles.
In that million miles, Carl has saved himself a nice chunk of change - over $1,800 in replacement air filters according to his service adviser, Bojack Walker at the Musson-Patout General Motors dealership.
Carl points out that he has never had his truck's engine rebuilt and the cylinder head has never been removed in over a million miles. How many times has Carl had to slow down his busy schedule to clean his K&N? "I've cleaned the filter maybe 10 to 12 times in the million miles. When I open the cover and it's dirty, I clean it." For a busy guy like Carl, air filter replacements are an inconvenience he'd rather not deal with. If you see Carl on the road in his white truck, give him a wave. Just be sure not to get in his way or slow him down. Carl has a whole lot of driving to do and places to be. Got it? Good.


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City Pages is a Minneapolis-based "alternative weekly" like the Boston Phoenix. A reader has kindly sent us a piece from the current issue on the Star Tribune's Minnesota Poll: "Poll Axed." (The reader, going under the nom de cyber "Lawdog" that he he earned in the Army's JAG Corps, turns out to be my colleague Peter Swanson, whom we thank for the tip.) The piece itself is completely clueless, but it's worth taking a look at to see what Rob Daves, the Minnesota Poll's director, has to say following the election in which his poll seemed to perform particularly poorly.
According to Daves, he did a fine job during the recent election season, including his final pre-election poll that showed Mondale leading Coleman by five points, although Coleman won by three: "Rob Daves, director of the Minnesota Poll, says he thinks his poll was accurate–at least within the 3.2-point margin of error. 'I'm convinced that the polls done late in the election were pretty good. What they showed, taken in total, was an incredibly volatile electorate. And if you've got a volatile environment, then a poll is just a snapshot in time,' says Daves."
The final pre-election Pioneer Press poll conducted by the Mason-Dixon polling organization covered the same period of time as the Minnesota Poll, but showed Coleman leading by six points, a result that was actually within the margin of error compared with the election-day results. The Minnesota Poll results and the Pioneer Press poll results cannot both have been accurate "snapshots," can they? As between the two, the Pioneer Press poll seems to have taken the accurate snapshot. But Daves never finds any ground on which to question his methodology or his results. The guy is impenetrable.
Faithful readers will recall that we tried to blow the whistle on this operation in "The Trouble with Star-Trib Poll."
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"Proclaim Liberty throughout All the land unto All the Inhabitants Thereof." Inscription on the Liberty Bell


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Career: One of the most dynamic and skilled players with the ball to play at Duke ... netted 23 goals, 21 assists and 67 points over four years ... her 21 assists ranked tied seventh on Duke's record books ... collected six game-winning goals ... started 86-of-90 matches as a Blue Devil ... became just the sixth Blue Devil to register 20 goals and 20 assists over her career ... concluded her career with 16 points in the NCAA Tournament, which ranked third all-time on Duke's career charts ... added six goals (3rd) and four assists (T4th) in NCAA action ... finished her career with 206 shots to rank eighth all-time at Duke ... her six game-winning goals also ranked tied 13th.
National Team Experience: Helped lead the U.S. U-23 squad to the U-23 Women's Nordic Tournament championship in England in June of 2016 ... guided the U-23 team to the Istria Cup title in Croatia during March of 2016 ... trained with the U.S. U-20 National Team in May of 2014 ... traveled to Sweden in the summer of 2013 with the U.S. U-20 National Team ... attended the U.S. U-20 National Team training camp in February and August of 2013 … member of the U.S. U-17 National team that won the 2012 CONCACAF U-17 Women's Championship in Guatemala and qualified for the 2012 FIFA U-17 Women's World Cup … traveled to Croatia, Slovenia and La Manga with the U-17 national team …. played with the U.S. U-15 National Team.
Senior (2016): NSCAA All-Southeast Region third team selection ... All-ACC First Team ... TopDrawerSoccer National Team of the Week in November and honorable mention selection in August ... a preseason Hermann Trophy Watch List honoree ... collected nine goals and six assists for 24 points ... ranked sixth in the ACC in points (24), ninth in points per game (1.04), tied seventh in goals (9) and tied eighth in goals per game (0.39) ... started all 23 matches ... notched eight points in the NCAA Tournament (three goals/2 assists), which ranked as the tied third-most in Duke history ... saw action in 1,833 minutes ... attempted 52 shots ... totaled two contests with multiple goals -- Illinois State and Syracuse ... added two assists and one goal against Charlotte in the NCAA Tournament first round ... tallied other goals against Wofford, UCF, High Point and Pitt ...
Junior (2015): Earned NCAA College Cup All-Tournament Team honors ... TopDrawerSoccer.com National Team of the Week accolades Dec. 1 ... notched four goals and five assists for 13 points ... attempted 65 shots ... scored three goals and had two assists in the NCAA Tournament ... totaled the lone goal in a 1-1 draw at top-seeded Stanford that Duke eventually advanced on penalty kicks ... put the exclamation point on a NCAA College Cup semifinal win over top-ranked and defending national champion Florida State by scoring with one second remaining ... assisted on the game-winning goal against Florida State ... added goals against James Madison and William & Mary ... saw action in 2,001 minutes ... tied a career high with seven shots at Louisville ... totaled three goals and four assists over her final nine matches of the season.
Sophomore (2014): Started all 18 of Duke's contests in the midfield and forward slots ... Second Team All-ACC selection ... netted a career-high seven goals, five assists and career-high 19 points ... posted two game-winning goals against UAB and Boston College ... ranked ninth in the ACC with 2.89 shots per game ... named to Duke Nike Classic All-Tournament team ... collected goals in three straight games against 13th-ranked West Virginia, UAB and 18th-ranked Arkansas ... ACC Player of the Week on Sept. 2, after notching two goals and an assist against West Virginia and UAB ... netted two assists against Arkansas and a total of four points ... posted four goals against ACC opponents -- Boston College, Virginia, Wake Forest and Pittsburgh ... attempted a career-high seven shots against West Virginia ... earned CS360 Primetime Performer honors after totaling goals against Virginia and Boston College ... named to All White Kit Preseason Midfielder of the Year list ... played 1,437 minutes and took 52 shots.
Freshman (2013): Saw action in all 24 games, starting 21 ... earned All-ACC Freshman Team honors ... named to Preseason TopDrawerSoccer All-Freshman team ... selected to Soccer America All-Freshman Second Team ... earned 11 points, with three goals and five assists ... scored the game-winning goal against Miami Sept. 12 ... all three goals came against ACC opponents (Maryland, Miami and Notre Dame) ... recorded five assists, including two in Duke's 6-3 win over Pittsburgh Oct. 27 ... posted an assist at 12th-ranked Notre Dame in her first collegiate contest ... took 37 shots ... tallied 1,875 minutes played.
Regional Team Experience: Member of the 95 ODP Regional III team and the 95 ODP Alabama State team … traveled with the ODP region team in 2010 on the Costa Rica tour … went to Germany and France on tours in 2011 with the region squad.
High School/Club: Gatorade Alabama Player of the Year ... ranked No. 10 in the TopDrawerSoccer.com top 150 ranking of the club soccer players ... listed No. 2 in the South Atlantic region rankings by TopDrawerSoccer.com ... NSCAA All-America as a junior and senior … 2013 Elite Soccer Report Spring All-America ... three-time Birmingham News All-State first team selection … NSCAA All-State and NSCAA Alabama Player of the Year as a senior ... All-Metro Team as a junior … collected 37 goals and 25 assists her junior year at Oak Mountain H.S. … Birmingham News State & Metro Player of the Year in 2012 and 2013 … scored a season-high five goals on eight shots … led her squad to a 28-2 overall record and the state championship … as a sophomore, registered nine goals and six assists, while taking 18 shots … played club soccer for Busa 95 ECNL and Concorde Fire 95 ECNL … led Busa 95 Elite to the State Cup Championship and the Region III Premier League Championships 2008-10 … competed in the 2010 Disney Showcase and was a finalist ... won the 2008 3v3 World Championship with the Atlanta Soccer Association … participated in the West Hamm United ID camp and the ECNL Disney Showcase All- Star team … lettered in track & field as well as cross country as a freshman and sophomore.
Personal: Full name is Antionette Oyedupe Payne ... born April 22, 1995 in Birmingham, Ala. ... daughter of Oyeleke and Mojemilat Payne … both parents were born in Nigeria … has one brother, Stephen (18), and one sister, Nicole (15) … member of the Minority Students Association her final two years at Oak Mountain H.S. ... majored in political science.


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The Dry Battery Section develops technical standards and guidelines for its products.
Statement from the NEMA Dry Battery Section Regarding Ingestion of Button Cell Batteries, February 2010 (78kb)
DOT SafeTravel Website on Battery Safety Rules
Dry Battery Anti-Counterfeit White Paper ( 31k)
For more information on the section:
Industry Leadership
ChairMarcus K. BoolishDirector of Government AffairsEnergizer Brands, LLC
Vice-ChairCharles MonahanDirector, Regulatory CompliancePanasonic Corporation of North America
StaffSuzanne Alfano (Operations)Industry DirectorDry Battery SectionTEL: email@example.com
Khaled Masri (Technical)Program ManagerDry Battery SectionTEL: email@example.com
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Craig Updyke (Transportation)Manager, Trade and CommercialNEMATEL: email@example.com
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Click here for detailed product scope information.
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Standards play a vital part in the design, production, and distribution of products destined for both national and international commerce. Sound technical standards benefit the user, as well as the manufacturer, by improving safety, bringing about economies in product, eliminating misunderstandings between manufacturer and purchaser, and assisting the purchaser in selecting and obtaining the proper product for his particular need.
NEMA devotes much of its time, effort, and resources to voluntary standardization activities. NEMA standards are offered and recommended to become American National Standards under the procedures of the American National Standards Institute, usually under the canvass method. This decision rests with the particular subdivision or subdivisions concerned. NEMA standards are also often submitted for consideration as IEC standards components or references. It is the intent of the association to continue its support of these, and many more, activities as the best method to continue providing sound and safe electrical products for the use of all.
Government Affairs
Through NEMA, the section develops industry positions on legislative and regulatory initiatives that may affect member products, markets, and customers. NEMA's work has resulted in contributions to public policy development and in promoting competitiveness, technological progress, and public safety. On the Government Affairs homepage members can search for and e-mail federal representatives to convey opinions regarding energy policy or other issues related to the electroindustry.
NEMA Government Affairs provides specific services to its members and information in the areas of Environment, Health & Safety; Energy; and International Trade & Commerce.
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Through NEMA, member companies are able to develop and implement tailored, industry-specific market and statistical programs that benefit participating companies. Reports may include:
The association also conducts economic analyses on the impact of legislation and regulations on member products, and monitors and reports on key industry market indicators. All programs comply with NEMA statistical confidentiality policies. For more information, please see Business & Economy.
Membership in NEMA is open to any firm actively engaged in the manufacture in North America of a product within the NEMA scope and for sale in the open market. Membership of foreign firms is subject to product section policies and NEMA Board of Governors approval.
NEMA operates on a fee-for-service basis. Each product section establishes its projects and activities and approves an annual operating budget. Visit Joining NEMA for more information on membership.


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Everyone has a plan till they get punched in the mouth - Mike Tyson
As much how I love Filipino boxer; because I am. But...,!
Wa happened? Manny Pacquiao walked head first into an incoming train, the Marquez Express. Thats wa happened.
The next question is: Why?
Trainer Freddie Roach forgot to remind Pacquiao that blocking a right straight with ones jaw is never a good idea. Not even if youre convinced that your jaw can break your opponents fist. The only time the tactic is worth considering is if youre an insomniac and youre desperate for a good nights sleep.
Ronnie Nathanielz the boxing pundit blamed it on Mannys lack of conditioning. He said Manny sparred and jogged and hit the bags which were fine for the cameras but not good enough to face a boxer like Marquez and who went all out on strength conditioning. Like Pacquiao used to do. He added Pacquiao should have done extra hard conditioning specially since he lost his last fight with Marquez. But he didnt. And so what could have been only a fender bender with a speeding bus turned into a train wreck.


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Former boxing champ Mike Tyson wants to take his acting ambitions to the next level by tackling the works of William Shakespeare.
The ex-fighter has been carving out a career in TV and film since retiring from the ring, landing a string of cameos in projects such as "The Hangover," "Entourage" and "Scary Movie 5."
He's now wants to perform in plays by the Bard, and is eager to kickstart his stage career by landing the lead role in "Othello."
He tells the New York Daily News, "Wouldn't Shakespeare be awesome? That black guy… could you imagine me in Othello?"
But Tyson admits he will have to work hard to be at the level needed to properly portray one of Shakespeare's most famous characters.
He adds, "Anything you give me time to prepare, I can do. I don't think I am ready for that yet, but I would like to try.
"My career as an actor has blossomed. I never considered myself a comedian or actor, even though I was in movies and shows helping out friends… a lot of my friends are actors and directors and they say, 'Mike, we need you to concentrate and take it seriously. They say my skills are horrible, but I have the natural timings for it. I am working on my skills."


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Working in physics: A physicist's life-cycle
Long-term career satisfaction for academics is closely linked to the type of institution where they work, as Joseph C Hermanowicz discovered when he set out to follow physicists through their careers.
What can we learn when we follow people over the years and across the course of their professional lives? This is the question that I have tried to answer by examining one particular group of professionals - namely academic physicists - during their careers at a variety of universities across the US. I chose to study physicists because in the wider culture physics is the scientific discipline par excellence. Physicists possess a recognizable genealogy of immortals - the likes of Kepler, Newton and Einstein - who promote a sense of scientific heroism and define a "model" career for those who follow. Thus, if one is interested in seeing how careers play out against a backdrop of this kind of company, then physics departments are a good place to visit.
In my research as a sociologist, I tracked 55 physicists through different stages of their working lives. The questions I posed were aimed at exploring physicists' shifting perceptions of their jobs in order to uncover the meanings they invest in their work, when and where they find satisfaction, how they succeed and fail, and how the rhythms of work change as they age. Based on interviews with the subjects, my study examined the consequences of career goals (both met and unmet); the frustrations of scientific careers, universities and the academic profession; and the way in which highly trained professionals deal with boredom and stagnation, as well as with renown.
Under the microscope
Physicists in the study were originally interviewed between 1994 and 1995. At that time, the subjects were sampled according to early, middle and late career stages, with average ages of 37.0, 48.3 and 61.4 years, respectively. They were also grouped by one of three types of university - termed elite, pluralist and communitarian - at which they were employed. Elite universities, such as Harvard and the University of California, Berkeley, are those that stress research in the presence of teaching and other roles. Those that place roughly equal emphasis on teaching and research, such as the University of Maryland, the University of Kansas and Purdue University, are termed pluralist while those that place the greatest emphasis on teaching, such as the University of Tulsa and the University of Louisville are termed communitarian. Such labels are, of necessity, ideal types; in reality, both universities and individuals exist on a continuum.
The same physicists were interviewed again between 2004 and 2005, thereby creating a longitudinal study - the first of its kind - of how academics, working in a variety of institutions, age in relation to their work. The follow-up study thus reveals how physicists' perceptions of work evolve with perceived costs and rewards, from early to mid career, from mid to late career, and from late to post career.
The questions I asked in the second study addressed physicists' attitudes to work; their most prominent work concerns; whether they would seek an academic career again, and, if so, what they would do differently. The study also examined perceptions of peak satisfaction, the objects of their satisfaction and estimations of their overall career satisfaction; and their perceptions of whether the reward system in science is "fair" or not. A few of their responses appear below; note that the study is based on over 1700 pages of transcript, so the passages presented are merely illustrations.
How careers progress
The results of the study reveal striking differences between the attitudes that elites, pluralists and communitarians have to their careers. In passing from early to mid career, elites - who in the earlier interviews had frequently described their situation (especially during the tenure process) as "a burden" - tended to stabilize and rededicate themselves to academia. In other words, they had found a renewed interest in fulfilling the institutional goals of higher education by continuing in their research productivity.
In contrast, pluralists - who had previously been highly satisfied in their work, and felt they had achieved a "happy medium" - experienced a reversal at the middle stage of their careers. They questioned their interest in and commitment to the profession, and they grew disillusioned with academic research. Early-career communitarians, for their part, had already expressed considerable disillusionment in the earlier study; by mid-career, most had ceased to do research entirely. For communitarians in mid-career, cumulative disadvantages had accrued to the point of shutting down interest and motivation to continue with scientific re_search. Their career pattern may best be described as succumbing to a stasis - there was no forward progress.
In their transitions from mid to late career, elites remained consistent in their identification with science and in their scientific productivity. Their publication productivity continued to accelerate, far eclipsing those of their contemporaries in other types of institutions. Pluralists either attempted to revitalize their careers following earlier fallow periods (largely without success) or continued with the research that they had been doing. Communitarians entered into a kind of scientific demise. They identified less and less with research, and became increasingly disaffected with their departments and universities, which they saw as having crippled their research aspirations.
Given these patterns, it is perhaps not surprising that in moving from late to post career phases, the pluralists characteristically withdrew from work, while communitarians separated themselves completely from it, usually severing all ties with work and their employing organizations. Intriguingly, elites in this stage for the first time lessened their intensity and embrace of research. This effect was associated with a decline in their overall career satisfaction.
The bottom line is that among elites, satisfaction begins high and rises through the career, but it then drops at the end as attitudes turn ambivalent - about what they have done, how much they have achieved, and where they stand professionally. For pluralists and communitarians, however, this pattern is reversed. Among pluralists, satisfaction starts out on a high, drops and then levels off before rising at the end, coinciding with a time when they withdraw from work. Communitarians experience low satisfaction throughout their careers - until the end, when, for the first time, they experience the greatest satisfaction of all the groups. They also, for the first time, regard the system of rewards in science as "fair".
The role of organizations
Over time, physicists in the three prototypical academic organizations show evidence of reversals - in terms of career orientation, outlook and attitude. Elites may be most dedicated throughout their careers, but most devastated at the end, when they realize that their lofty (and often unrealistic) ambitions remain unfulfilled. Communitarians may be less dedicated during their careers, but most satisfied and positive in their outlooks at the end. Pluralists exemplify the greatest variability in their careers, but in the end find a satisfaction that overcomes a previous ambivalence. It is important to recognize that none of these shifts are taking place in isolation. Academic organizations - both universities and departments - script the courses of careers, and also influence changes in attitude, commitment and motivation to work. These career patterns have implications for the advancement of physics, for the welfare and functioning of academic departments and universities, and for the cohesiveness of the profession.
The telling of contemporary lives in science also prompts questions about what types of people, and with what levels of talent, science will be able to attract. One scenario is that academia will attract less-talented individuals, while more-talented people, seeing the conditions under which academic careers are experienced, will increasingly enter other professions. Perhaps the best answer to the question "What can we learn when we follow people in their careers?" is, simply, "much about the institutions that shape them". Conditions have developed in modern universities that create an enduring problem of meaning and satisfaction in the academic profession.
In their own words
The following are excerpts from interviews with physicists about their academic careers.
"My attitudes about the job, about me and about the university have undergone tremendous changes in the past 10 years...I'm not sure I want to even submit things to published journals anymore...I'm disgusted by the whole thing...I got tired of getting referee reports...that spend a page talking about the bibliography; they were entirely concerned with whether I cited their work or their friends' work, and they hadn't read the paper...I'm in a setting where the last thing people want is honesty...You guys play your game, it's fine. There are more important things in life than getting grants from the National Science Foundation, getting Nobel prizes even or any of that stuff. That's all just a game..."
Pluralist at mid career
"Maybe there is some self-delusion in feeling that you're being a significant contributor to science. It's just [pause] you have been trained, you know this field, when you're an expert in something, you tend to take pride in it, and you tend to continue doing it. But I don't think it's always very significant in the grand scheme of things...I could have worked harder to become a better professional physicist...At some stages of my career, I could have easily done better. It would have made a difference. It might well have been a significant difference...If I had worked harder, it would have given me a little more status. I would have accomplished more in the field..."
Elite at post career
"There really wasn't much else to look forward to. [Right now, I'm] not working as hard. I'm not doing research anymore. I had two or three pretty good ideas during the course of my career, and I haven't had any since. I really don't keep up with the literature...I think that early on, even though I did some fairly decent work, both as a graduate student and in the beginning of my career, I never was satisfied. I always thought that I could have done better or sooner or more. In more recent years [near and in retirement], I have become content, not only with what I was doing, but also how much. I think this is a reflection of my coming to like myself more."
Communitarian at post career
Do your experiences match the patterns found in this study? Or has your career as an academic physicist been completely different? Send us your thoughts at email@example.com
About the author
Joseph C Hermanowicz is a sociologist at the University of Georgia, US, and the author of two studies on academic physicists: The Stars Are Not Enough: Scientists - Their Passions and Professions (1998, University of Chicago Press) and Lives in Science: How Institutions Affect Academic Careers (2009, University of Chicago Press).
This article originally appeared in the September 2009 issue of Physics World
Image credit: Photolibrary
last edited: September 11, 2018


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Transformation, Innovation, Reinvention: Creating Tomorrow's Economy Today
By envisioning a better community you can transform it. Through innovation you can re-invent it. By building on existing strengths, you will revitalize it. Against a backdrop of heightened risk awareness and uncertainty, economic development practitioners must help transform their regions into locations where policies and programs mitigate risk and add certainty to the business climate.
The International Economic Development Council's 2013 Annual Conference, October 6-9, in Philadelphia, Pennsylvania, will address obstacles facing economic developers, and existing trends in our dynamic economy. With the right tools, economic developers everywhere can create a vision for the future, stimulate consensus, and prepare their communities for 21st century success.
As the world's 5th largest economy, the 200-mile area centered on Philadelphia accounts for 18% of the U.S. population, and is home to more than 120 of the Fortune 500.Experience the area's transformation from a manufacturing based economy into a learning region that boasts an array of key strengths. Through a program of top speakers, cutting-edge topics, and educational tours, conference attendees will not only see the region's innovative energy, but leave with fresh strategies and tools to take their organizations to the next level.
Early bird registration ends July 26, 2013. To register, click here
Philadelphia Marriott Downtown
1201 Market Street
Philadelphia, PA 19107
(215) 625-2900 - local
(800) 320-5744 - toll free
IEDC Room Rate: $239.00 single/double
Group Rate Cutoff: Wednesday, September 18, 2013
For more information about Philadelphia, Click here to visit the Philadelphia Convention and Visitors Bureau.


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Hey Gamespotters
Hope you're all doing good. I have a small and painless to ask y'all. One of my very good friends, UK indie developer Paul Taylor from Mode 7 games has started a petition to get his game Determinance released via Valve's Steam.
He's been turned down twice--I don't think he's sure why--and keeps getting asked by fans of the game why he doesn't put it on Steam. It's driving him nuts, so he's started a fun petition to take to their offices. If he gets 10,000 sigs in the next six months, he's promised to deliver it personally dressed as a tomato.
How can you say no???
Thank you all so much in advance! Save the indie games industry, ya?
Check it out here
Other than that, I have absolutely nothing to say about this web site whatsover.


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redcar beach FAQ's
Here are some frequently asked questions. You can also ask us any questions direct, and we'll get back to you with an answer as soon as possible
Can I use my holiday home all year round?
The park has a seasonal license so your holiday home cannot be used a main/sole residence.
Can I let my holiday home?
Yes you can do this privately. You can use your income from holiday lettings to help offset your annual running costs.
What would happen if I arranged an appointment and visited the park?
If we were' in your shoes' would no doubt be worried if the park would be a 'pressure sales' environment. The team never pressure sell, with trust being at the centre of our sales ethos, ensuring that our products are right for you and your needs. Remember it is your money not ours!
What is the local area like?
Why not come a take a look for yourself – we understand that when purchasing a holiday home it is important to find the right location that suits your needs.
Our website has lots of information to help you, check out perfect location section which has links of things to do!


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Personalized Basketball Cupcakes, Set of 9
Dessert is a slam dunk, thanks to these treats from Cupcakes by More®. The collection includes six cupcakes that are decorated like basketballs, and three that are either decorated with the message "Jump Shoot Score" or personalized with your phrase, like "Swish, Dunk, Slam," or "Nothin' But Net." Artisans at the legendary Chicago-based bakery prepare the decadent cupcakes from scratch in small batches, using only top-of-the-line ingredients like Madagascar vanilla and Valrhona chocolate to ensure premium flavor. Our selection for hoops fans includes:
More®: Deep, dark Belgian chocolate cake with Valrhona chocolate ganache and a cream center.
White Velvet: Madagascar Bourbon vanilla cake with vanilla bean buttercream frosting.
Chocolate Vanilla: The best of both worlds—a chocolate cake topped with a vanilla buttercream icing.
- 9 cupcakes: 3 each of More®, White Velvet and Chocolate Vanilla.
- More® flavor may be personalized with names or words (up to 8 letters) written in white icing.
- Each cupcake is approx. 2 3/4" diam., 2 1/2" high.
- Shipped frozen.
- Made in USA.
Use & Care
Receiving Instructions
- The cupcakes are shipped frozen with dry ice, which may have evaporated during shipment. This is normal. Please take care not to touch any remaining dry ice with bare hands.
- Upon receipt, store the cupcakes at room temperature, where they will keep for up to 2 days. If not serving immediately, place the cupcakes in an airtight container and place in the freezer for up to 1 month. We do not recommend refrigerating the cupcakes.
To Serve
- If the cupcakes are frozen, remove from freezer approximately 2 to 3 hours prior to serving and allow cupcakes to thaw at room temperature. The cupcakes are best enjoyed at room temperature.
- More®: Granulated sugar, egg, white, corn syrup, salt, wheat flour, all-purpose white flour, baking powder, baking soda, dry powder cocoa, whole egg, vanilla extract, milk, canola vegetable oil, 62% dark chocolate, butter, heavy cream, FD&C Blue #1.
- White Velvet: Milk, wheat all-purpose white flour, granulated sugar, butter, vanilla extract, baking powder, salt, water, egg white, vanilla bean paste, chocolate 62%, heavy cream.
- Chocolate Vanilla: Wheat all-purpose white flour, salt, baking powder, baking soda, cocoa dry powder, whole egg, vanilla extract, milk, vegetable oil, canola, granulated sugar, water, egg white, butter, vanilla bean paste, FD&C Blue #1.
Shipping Information
Please allow up to two weeks for processing and delivery of perishable items, which are shipped two-day delivery to ensure freshness. Perishable items are not eligible for rush shipping. We do not ship perishable items outside the contiguous 48 states or P.O. Boxes.
Shipping Rates
The shipping rate varies depending on your order total and shipping destination View Shipping Options and Charges.
Return Policy
At Williams Sonoma, we take great pride in the quality and craftsmanship of our products. Attention to design, materials, safety and construction are our priority. Upon receipt, please inspect your purchase and notify us of any damage; we will arrange for a prompt replacement.
We cannot accept returns on monogrammed, personalized, special-order items, custom upholstery, food, items shipped direct from the vendor, or on items damaged through normal wear and tear. Final sale items ending in .97 or .99 cannot be returned. View Full Returns Policy.
Personalized Basketball Cupcakes, Set of 9
|Delivery Surcharge
|Personalized Basketball Cupcakes, Set of 9
|Plain Basketball Cupcakes, Set of 9


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Family & Local History Talks
Try the Society of Genealogists
a talk by
Heather Garnsey
Are you having trouble researching your family history? Heather Garnsey will talk about the Society of Australian Genealogists collections and how they can help, especially the manuscript and family history collections.
Heather Garnsey is the Executive Officer of the Society of Genealogists.
Date: Friday 9 November
Time: 2:00 pm
Place: Hornsby Shire Library, Meeting Room
28-44 George Street, Hornsby (entry via Hunter Lane).
28-44 George Street, Hornsby (entry via Hunter Lane).
Cost: $5.00
Bookings: To book please call 9847 6614 or email firstname.lastname@example.com. For more information please call Hornsby Local Studies on 9847 6807.


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There are 10 tires of 55 are viewed
Prices do not include shipping, taxes or fees.To calculate the shipping costs just click on the shipping button.Price and availability is subject to change without prior notice.
***These tires exceed the speed rating you requested. You can use these tires without any concern.
© 1999-2019 by Gigatires Tires LLC /


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"… Families and those to whom they entrust a share in their educational responsibilities must enjoy true liberty about how their children are to be educated."
– Blessed John Paul II, Letter to Families (1994)
In Catholic teaching, parents have the moral responsibility and inalienable right to educate their children in a way that conforms to their family's moral and religious convictions.
The majority of parents share this responsibility, out of necessity or choice, with other individuals or institutions. This reality must be balanced with their fundamental rights as parents. Therefore, in Catholic teaching a State or "public" monopoly of education is unjust.
In matters of education, the Catholic teaching of subsidiarity is the basis of relations between families, the Church, and the State.
We support public policies that acknowledge and support the role of Catholic schools and other non-public education institutions in Minnesota that affirm the rights of all parents to choose schools that best fit the educational needs of their children, and advocate for equitable participation of non-public school students in state and federal education programs.
Every Parent, Every Child – A Pastoral Statement on Educational Choice by the Minnesota Bishops
Renewing Our Commitment to Catholic Elementary and Secondary Schools in the Third Millenium – United States Conference of Catholic Bishops (USCCB)
Accountability and Assessment in Catholic Education – A Statement by the National Catholic Education Association (NCEA)
Under development


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At war, at sea: sailors and naval combat in the twentieth century
Penguin Books, Apr 30, 2002 - History - 463 pages
Beginning with a gripping account of one of the most decisive naval battles in history-the 1905 battle of Tsushima between the Japanese and Russians-and ending with the sophisticated missile engagements of the Falklands and in the Persian Gulf, naval historian Ronald Spector explores every facet of the past one hundred years of naval warfare. Drawing from more than one hundred diaries, memoirs, letters, and interviews, this is, above all, a masterful narrative of the human side of combat at sea-real stories told from the point of view of the sailors who experienced it. Exhaustively researched and fascinating in detail, At War at Sea is a monumental history of the men, the ships, and the battles fought on the high seas.
"Superb . . . Spector's account provides evocative and fresh perspectives on cultures, technologies and innovations that influenced sailors' lives and shaped naval warfare." (The San Diego Union-Tribune)
"Monumental . . . Many books have recorded the history of the United States Navy, but few have meshed that history with that of all other major navies-an unusual comparative technique that brings into often startling relief the virtues and flaws of our own navy." (The Washington Post)
What people are saying - Write a review
AT WAR AT SEA: Sailors and Naval Warfare in the Twentieth CenturyUser Review - Kirkus
A comprehensive examination of naval warfare's rapid and decisive transformations.Spector (After Tet, 1992), a Marine veteran of Vietnam, demonstrates both academic fervor and hard-won passion. He ... Read full review
LibraryThing ReviewUser Review - ABVR - LibraryThing
An episodic history of naval combat in the 20th century, beginning with the demolition of the Russian fleet by the Japanese at Tsushima (1905) and ending with the first Gulf War (1991). It is more ... Read full review
ONE Tsushima May 1905
TWO The Supreme Influence
THREE The Cats Whiskers
8 other sections not shown
Other editions - View all
At War at Sea: Sailors and Naval Warfare in the 20th Century
Ronald H. Spector
No preview available - 2001
At War at Sea: Sailors and Naval Combat in the Twentieth Century
Ronald H. Spector
No preview available - 2002
Common terms and phrases
aboard Admiralty air attacks aircraft carriers American Annapolis antiaircraft armor army Atlantic bases battle cruisers battleships boats bomb bombers British cadets Canadian Captain chief combat convoy corvettes Crete crew damage defense destroyers Dreadnought enemy Engine Room enlisted escort fight fighters fire flight deck German Grand Fleet gunnery guns High Seas Fleet Ibid Imperial War Museum Japan Japanese Navy Jellicoe Jutland Kamikaze Korea land large numbers Lieutenant Commander light cruisers London marines missile naval aviation Naval Historical Center Naval Institute Press Naval Institute Proceedings naval officers navy's North North Vietnam nuclear operations Pacific patrol percent personnel petty officers pilots port radar Rear Admiral recalled recruits reported Royal Navy Russian sailors sank Scapa Flow seamen shells ship's ships South Soviet Soviet Navy squadron steam submarine sunk tactics task force tion torpedo planes Tsushima U-boat U.S. Naval U.S. Navy Vice Admiral Vietnam warfare warships World wrote


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This is a feature plugin that is a spinoff of the main Two-Factor Authentication plugin, found at https://github.com/georgestephanis/two-factor/.
With Application Passwords you are able to authenticate a user without providing that user's password directly, instead you will use a base64 encoded string of their username and a new application password.
Creating a New Application Password
- Go the User Profile page of the user that you want to generate a new application password for. To do so, click Users on the left side of the WordPress admin, then click on the user that you want to manage.
- Scroll down until you see the Application Passwords section. This is typically at the bottom of the page.
- Within the input field, type in a name for your new application password, then click Add New.
Note: The application password name is only used to describe your password for easy management later. It will not affect your password in any way. Be descriptive, as it will lead to easier management if you ever need to change it later.
- Once the Add New button is clicked, your new application password will appear. Be sure to keep this somewhere safe, as it will not be displayed to you again. If you lose this password, it cannot be obtained again.
Testing an Application Password
WordPress REST API
This test uses the technologies listed below, but you can use any REST API request.
- WordPress REST API
- cURL
- Mac OSX or Linux
- A Mac or Linux terminal
- Local development environment (e.g. MAMP, XAMPP, DesktopServer, Vagrant) running on localhost
Use application passwords with WordPress REST API to change a post title:
Now that you have your new password, you will need to base64 encode it using a terminal window as well as your username to use it with the REST API. The command you will use is as follows:
echo -n "USERNAME:PASSWORD" | base64
Within this, you will replace
USERNAME:PASSWORDwith your username and newly generated application password. For example:
echo -n "admin:mypassword123" | base64
Once your username and password are base64 encoded, you are now able to make a simple REST API call using the terminal window to update a post. Because you are performing a
POSTrequest, you will need to authorize the request using your newly created base64 encoded access token. If authorized correctly, you will see the post title update to "New Title."
curl --header "Authorization: Basic ACCESS_TOKEN" -X POST -d "title=New Title" http://LOCALHOST/wp-json/wp/v2/posts/POST_ID
When running this command, be sure to replace
ACCESS_TOKENwith your newly generated access token,
LOCALHOSTwith the location of your local WordPress installation, and
POST_IDwith the ID of the post that you want to edit.
This test uses the technologies listed below, but you can use any XML-RPC request.
- XML-RPC enabled within WordPress
- cURL
- Mac OSX or Linux
- A Mac or Linux terminal
- Local development environment (e.g. MAMP, DesktopServer, Vagrant) running on localhost
Once you have created a new application password, it's time to send a request to test it. Unlike the WordPress REST API, XML-RPC does not require your username and password to be base64 encoded. To begin the process, open a terminal window and enter the following:
curl -H 'Content-Type: text/xml' -d '<methodCall><methodName>wp.getUsers</methodName><params><param><value>1</value></param><param><value>USERNAME</value></param><param><value>PASSWORD</value></param></params></methodCall>' LOCALHOST
In the above example, replace
USERNAME with your username, and
PASSWORD with your new application password. This should output a response containing all users on your site.
- Download the zip file.
- Log into WordPress, hover over Plugins, and click Add New.
- Click on the Upload Plugin button.
- Select the zip file you downloaded.
- Click Install Plugin.
- Activate.
Contributors & Developers
"Application Passwords" is open source software. The following people have contributed to this plugin.Contributors
Translate "Application Passwords" into your language.
Interested in development?
Browse the code, check out the SVN repository, or subscribe to the development log by RSS.


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FRITZ!Box 7360 Service - Knowledge Base
FRITZ!Box 7360 Service
AVM Content
Not your product?
This document is also available for the following products:
- FRITZ!Box 7590
- FRITZ!Box 7583
- FRITZ!Box 7582
- FRITZ!Box 7581
- FRITZ!Box 7560
- FRITZ!Box 7530
- FRITZ!Box 7490
- FRITZ!Box 7430
- FRITZ!Box 7390
- FRITZ!Box 7369
- FRITZ!Box 7340
- FRITZ!Box 7330
- FRITZ!Box 7272
- FRITZ!Box 6890 LTE
- FRITZ!Box 6840 LTE
- FRITZ!Box 6810 LTE
- FRITZ!Box 6591 Cable
- FRITZ!Box 6590 Cable
- FRITZ!Box 6490 Cable
- FRITZ!Box 5491
- FRITZ!Box 5490
Saving and restoring FRITZ!Box telephone books
The FRITZ!Box user interface allows you to save your telephone books. You can always use a backup to restore your telephone book, which means that you are protected from data loss. Telephone books can also be transferred from one FRITZ!Box to another, for example if you switch to a different FRITZ!Box model.
Note:All instructions on configuration and settings given in this guide refer to the latest FRITZ!OS for the FRITZ!Box.
1 Saving the telephone book
- Click "Telephony" in the FRITZ!Box user interface.
- Click "Telephone Book" in the "Telephony" menu.
- Select a telephone book, click the "Save" button and save the telephone book as an XML file on your computer.
- Repeat these steps to save each of the telephone books configured in the FRITZ!Box.
2 Restoring the telephone book
- Click "Telephony" in the FRITZ!Box user interface.
- Click "Telephone Book" in the "Telephony" menu.
- If you would like to transfer the telephone book you saved to a new telephone book, click the "New Telephone Book" link. However, the options "Quick-dial number" and "Vanity code" are only available for the first telephone book,
- If you want to replace an existing telephone book, click the "Switch telephone books" link and select a telephone book from the list. All existing telephone book entries are overwritten when the telephone book is restored.
- Click the "Restore" button.
- Click the "Choose File" button and select the file (*.XML) with the telephone book you saved.
- Click the "Restore Telephone Book" button.
- One after another, restore all of the telephone books you would like to use.


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SAN FRANCISCO — The federal government auctioned off nearly 18,000 acres of oil leases on prime public lands on Wednesday in Central California, home to prized vineyards, several endangered species and one of the largest deposits of shale oil in the country.
Eight different groups — including oil companies — bid for the leases involving 15 parcels of land up for auction in rural stretches of Monterey, San Benito and Fresno counties, Bureau of Land Management spokesman David Christy said. The agency plans to announce the winners within 24 hours.
Numerous environmental groups who saw the auction as a sign that California is next in line for an oil and gas boom protested outside the auction in Sacramento, with some activists donning hazmat suits.
The auction attracted a normal turnout of bidders, and about half the parcels went for just $2.50 an acre, much less than the typical price in nearby Kern County, an oil-rich basin along a mountain range north of Los Angeles.
Winning bidders would still need to be granted an additional permit from the bureau in order to start drilling using traditional technologies, or hydraulic fracturing, a technique to extract hard-to-reach gas and oil by pummeling rocks deep underground with high-pressure water, sand and chemicals.
Democratic Rep. Sam Farr had asked the agency to put the auction on hold over concerns that the bureau wasn't doing enough to monitor the potential impacts of hydraulic fracturing, or fracking.
"Fracking is not something that we have yet accepted as a proven technology," Farr said. "The oil lies deep and the water is shallow and in the Salinas Valley, healthy water is more important than oil. It's our economic base for agriculture."
The U.S. Energy Information Administration estimated last year that California's Monterey Shale formation contains more than 15 billion barrels of "technically recoverable shale oil," more than the amount contained in the Bakken oil fields of Montana and North Dakota, where oil-producing rock is sandwiched between layers of shale about two miles under the ground.
Industry officials say hydraulic fracturing is one of many techniques used since the 1940s, and concerns are overblown, especially since companies are still determining whether it is economically viable to develop the Monterey Shale.
"The Monterey Shale is a huge potential energy resource in California, but there is still a fair amount of exploration going on amongst our members about whether or how or if it can be developed," said Tupper Hull, a spokesman for the Western States Petroleum Association, whose members produce 80 percent of the state's oil.
The parcels — which Christy said have never been drilled before — include scenic stretches of southern Monterey County, where cattle ranchers and wine grape growers rely on tight water supplies to irrigate their pasturelands and vineyards. The area is also part of the historic range of the endangered California condor, whose global population was recently estimated at less than 400 birds.
The Center for Biological Diversity filed suit against BLM over a smaller lease auction held in roughly the same region last year, claiming the bureau had failed to properly review the environmental risks associated with increased oil and gas development.
"Fracking is not only intensifying oil and gas development in areas that were in production before, but it's opening up some beautiful, wild places where you previously didn't have drilling," said attorney Kassie Siegel, adding that the group ultimately may file another lawsuit over Wednesday's auction.


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By John Goralski
Sports Writer
Lauren Perkowski elbowed her way up the final hill at Wickham Park at the end of the front group of runners. As the sophomore neared the finish line, a crowd of blue jerseys appeared at the bottom of the hill.
In 2010, the Southington girls limped into finish line in last place at the Class LL championship race. Three years later, they were battling in the top 100.
"The difference over the last four or five years—maybe longer—is incredible," said Southington cross country coach Rich Niro. "The growth that we've had is incredible, and the athletes that are coming into the program are working harder and harder. We finished our first girl under 22 minutes last year, but this year we finished five girls under 22 minutes. It was incredible."
Perkowski (21:18) led the surge, finishing ahead of 100 runners to claim 41st place. Gabi Napoli (21:40) finished just outside the top 50. Amanda Hamel (21:43) and Catherine Myers (21:44) finished just a few steps behind Napoli. Aliza Rodriguez (21:54) capped Southington's score with the fifth time under 22 minutes, but every one of Southington's runners finished in the top 100.
Margaret Meehan (22:11) and Raquel Romano (22:58) would have been scorers on every other Southington team, and Niro said that this level of talent has never been seen on a Southington girls team. The Knights finished all five scorers before a handful of teams scored their second runner. The Knights finished six runners before Stamford placed their fastest girl.
Southington's team time (1:48.19) was just two seconds away from clinching them a berth at the state open meet with a junior, two sophomores, and two freshmen. The overall time was 12 minutes faster than the team ran in 2010.
"If they made to the state open this year, they would have been a year ahead of schedule," said Niro. "We ran as good of a race as we could today, so we can hold our heads high. This is the best girls cross country team that we've ever had. We have better girls sitting and watching today than we've had running in previous years."
In better conditions, the Knights might have been able to claim that elusive state open berth, but temperatures plummeted throughout the day while headwinds continued to build. According to Niro, the course was running at least 15 seconds slower at the end of the day than it did for the earliest division races.
"That hurt us in qualifying with that team time because it's the top two teams in each class and then the next eight on times," said the coach. "There were some decent times early in the day, so it was just a little too tough to beat that with the conditions now. It's too bad, but everybody's dealt that hand in different years. The good thing is that we're bringing back everybody that raced today, and we have a lot of others in the stable that are training well. We're an up-and-coming team, and people know that now. There's no hiding any more."
Even the boys team exceeded expectations in the final race of the season. Sophomore Sean Garrison (17:49) led the way, finishing just outside the top 60. Colin Murphy (18:25) cracked the top 100. Damiaen Florian (18:40), Andrzej Bielecki (18:44), and Jack Myers (18:48) scored. Brandon Bayron (18:58) and Matthew Albrecht (19:03) contributed.
Less than 30 seconds separated the Southington pack as they finished 18th out of 26 teams.
"They struggled a little bit with the wind today, but Class LL is just so tough. There were some incredible teams out there," said Niro. "We were back in the pack, but we finished in a nice, tight group just like we wanted to. Sean Garrison is learning how to run up front, but he's just a sophomore, too. This team really overachieved this year."
The race marked the end of the fall campaign, and it's lifted the bar for next fall. Southington will return all seven girls next season and three of the boys, so Niro's expectations will be even higher next season.
"This showed how well they've all been training," said the coach. "It's allowed us to pick each other up when somebody's having a bad race, and it's been a great year."
To comment on this story or to contact sports writer John Goralski, email him at email@example.com.
By John Goralski


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You can't give up. You can't quit. You have to continue to work until you find individuals who see what you offer and believe in you."
As the creator of an innovative stock recommendation service and host of his own hour-long weekly radio show, Jason Shade '95 (history and political science) has achieved a certain amount of prominence as an investor and financial adviser. But he hasn't done it by the book. "I did it the hard way. I really did, but it worked out," says Shade, whose show, Wall Street Straight Talk, airs on Sunday afternoons on the CBS Radio affiliate in Houston. "Sometimes the road less traveled is the road best traveled."
His unconventional path included a side trip to law school and forays into the newspaper industry and politics before leading to finance. Shade earned some crucial investment experience with Gregory FCA in Ardmore and followed that with a financial sales job at Merrill Lynch. But earning commissions based on how many financial products he could sell didn't really interest him. "I'd rather sell tires than financial advice over the phone," he says.
Instead, Shade decided to start his own hedge fund. It took 18 months of going door to door to round up enough investors, but launching the fund proved to be the pivotal moment in his career. Although he shut the fund down in 2008 due to mounting regulatory pressures caused by the global financial crisis, he was able to adapt his business model to start Texting Trades, which provides subscribers with real-time trading ideas via text, email and instant message.
Shade's success with Texting Trades found support from Barrington Financial Advisors, which recruited him to serve as director of portfolio management — overseeing nearly $100 million under management — and appear as a guest on their weekly radio show. In little more than a year, his segments became so popular that he went from a small recurring segment to hosting his own show where he shares his stock picks with listeners and chats with guests such as Steve Forbes and Harry Dent.
"The key to the whole operation was persistence," Shade says. "You can't give up. You can't quit. You have to continue to work until you find individuals who see what you offer and believe in you."
"Just because one door closes, doesn't mean more won't open. If you stay persistent in life and follow your dreams, I think ultimately you'll be successful."
Posted March 2013


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In this report, Nielsen takes an in-depth look at the profile of the investor consumer. What is the optimal age for investing, and how does this differ by geographic region? How do investment decisions change with maturity? Are women more risk averse than men and how much risk is too much? What information sources are most reliable and which channels are emerging as credible transaction centers?
As global economies continue to focus on ways to accelerate economic growth, consumers too are looking for ways to bolster their budgets. Nielsen's Global Consumer Confidence Survey shows that over the past year, consumers around the world have increased their saving strategies. Half of online respondents worldwide say they are putting spare cash into savings—an increase of 11 percent since May 2011 and nearly one-fourth (23%) indicate they are investing in stocks and mutual funds—a year-over-year rise of 35 percent.
Investment decisions and matters of personal wealth vary by gender, age and geographic region:
When it comes to investing, stocks are favored over other investment options, such as mutual funds, precious metals, bonds, structured investment products, foreign currency or derivatives in all regions except Latin America, where mutual funds are preferred. In Latin America, the results are likely due to product availability rather than product knowledge.
The common belief is that the older you are, the more informed and rational you become—especially when it comes to financial volatility and investment decisions. However, Nielsen's survey findings reveal differences in the demographic profile of investors in different regions, where a noteworthy share of investor consumers are found among older consumers in North America, Europe and Latin America.
Cash is king when it comes to how consumers around the world prefer to pay for general shopping, dining, traveling or entertainment expenses, but more than half of global respondents indicate they use credit cards and 43 percent use debit cards as a common payment method. Global usage of electronic wallets and checks are lowest at 15 percent and 10 percent, respectively.
New findings from a Nielsen online survey of respondents from 56 countries around the world provide insights to better understand the consumer mindset on investment strategies and the emerging opportunities across both the developed and developing economic landscapes. The study is based on online consumers who have indicated they currently use investment services, which include stocks, mutual funds, bonds, certificate of deposit, local and overseas stocks, derivative tools and foreign currency for investment purposes.