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Does Avira detect the "Bundestrojaner"?
"Malware remains malware, and we want our users to feel safe," says Tjark Auerbach, founder of Avira.
We as Avira have a dedication and commitment to the task of keeping the computer systems of our customers free from malicious software. Like its numerous predecessors, we also detect the virus that is now widely known in the media as the "Bundestrojaner" and supposedly current. This malicious software is reported as "TR/Gruenfink" (TR/Gruenfink.1 and TR/Gruenfink.2).
However, all trojans are the same for the detection process of a modern antivirus program, regardless of its purpose. A distinction between a "legal" and "illegal" field of application is not possible - "a virus remains a virus."
Also, additional heuristic or behavior-based detection mechanisms of anti-virus software examine automatic downloads as well as all files for components that are characteristic for malware. Therefore, if features that are characteristic for malware have been implemented in a so-called "Bundestrojaner", it will be reported already in advance by a reliable anti-virus scanner. Additionally, the user will be warned, even if the malicious software was previously unknown."
Affected products
- Avira Professional Security [Windows]
- Avira Professional Security [Linux]
- Avira Server Security [Windows]
- Avira Server Security [Linux]
- Avira Free Antivirus [Windows]
- Avira Free Antivirus [Linux]
- Avira Antivirus Premium 2013 [Windows]
- Avira Antivirus Pro [Windows]
- Avira Internet Security [Windows]
- Avira Internet Security Suite [Windows]
- Created : Tuesday, October 11, 2011
- Last updated: Tuesday, October 18, 2016


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Two youth organizations in Marion are planning yard-raking projects this fall.
Marion High School Key Club will have a community service project of raking leaves for senior citizens who are unable to do so themselves, sponsor Lori McLinden said. And the second-grade Brownie Girl Scouts have started raking yards to raise money for Marion Ministerial Alliance.
Key Club
A date isn't set yet for Key Club's project, but it will be sometime in November, because if done too early, more leaves accumulate, she said. In the past Key Club has worked with Marion Senior Center to identify whose yards to rake. People can also make suggestions to McLinden by calling (620) 382-2168 or e-mailing firstname.lastname@example.com
Key Club has 36 members, but not all will be able to help with raking because of other obligations, McLinden said.
Girl Scouts
Ta'Leah Stegman invited her fellow second-grade Brownies to help rake yards to raise money for Marion Ministerial Alliance and Friends of Mosaic Church in Wichita. Both organizations provide assistance to needy families.
They began Saturday with seven children — including ones not in Girl Scouts — and two adults. During the weekend they raked four yards and raised $102. Two more yards are in the works.
People who wish to have their yards raked can contact Jennifer Stegman at (620) 381-4789.
Stegman said there is already discussion of doing something similar for snow shoveling.

subset: commoncrawl


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Michigan Campus Compact (MCC) will honor seven Hope College students for their dedication and commitment to community service during the 12th annual Outstanding Student Service Awards recognition event on Saturday, April 5, at the Holiday Inn-South in Lansing.
Each year, MCC awards students from member colleges and universities across the state for their outstanding commitment to service-learning and civic engagement. Four types of awards are given: the Outstanding Community Impact Award, the Commitment to Service Award, the Heart and Soul Award and the Michigan Humanitarian Award. The awardees have been selected from a nomination pool of nearly 600 students.
Gerardo Ruffino, a senior from Holland, will receive the Commitment to Service Award. The award is given to one student per member campus in the state of Michigan for commitment to community service. Only 23 students will receive the award.
Heart and Soul Awards will be presented to six Hope students: junior Hannah Hackett of Tamarac, Fla.; freshman Megan Haserodt of North Olmsted, Ohio; junior Caitlin Lamade of Wheaton, Ill.; junior Brittnee Longwell of Zionsville, Ind.; senior Lisa Pusinelli of Western Springs, Ill.; and junior Matthew Seely of Albion. The award is given to students to recognize their time, effort and personal commitment through service.
The Hope students have all been involved in service in a variety of ways.
Ruffino's community involvement has included serving as a peer health educator with the Ottawa County Health Department; as a volunteer tutor and peer educator with Wavecrest Academy; as an ESL teacher with Latin Americans United for Progress; and as leadership director with Boys and Girls Club of Holland. His campus activities include serving currently as general manager of the WTHS FM campus radio station and as a resident assistant, and he is past president of the La Raza Unida student organization.
In addition to other community-service involvement that they pursue individually, Hackett, Haserodt, Lamade, Longwell and Seely are all members of the college's student Volunteer Council, which coordinates multiple service activities on campus and promotes student volunteerism. Pusinelli helped write the request for and has played a leadership role in implementing the MCC "Brighter Futures" grant that is providing additional programming for the Children's After School Achievement (CASA) and Upward Bound programs this year.
Michigan Campus Compact promotes the education and commitment of Michigan college and university students to be civically engaged citizens, through creating and expanding academic, co-curricular and campus-wide opportunities for community service, service-learning and civic engagement. More information may be obtained online at www.micampuscompact.org.
Local organizations with service needs with which the college's Volunteer Services program might be able to help are encouraged Wilma Hart, assistant to student activities and coordinator of volunteer services, at Hope at (616) 395-7942.


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The Doors star Ray Manzarek has died following a secret battle with cancer.
The keyboard player, who co-founded the band with Jim Morrison, passed away at a clinic in Germany, according to a post on the band's Facebook.com page. He was 74.
Bandmate Robby Krieger has released a statement which reads, "I was deeply saddened to hear about the passing of my friend and bandmate Ray Manzarek.
"I'm just glad to have been able to have played Doors songs with him for the last decade. Ray was a huge part of my life and I will always miss him."


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Galway Food Tours is a 2 hour culinary walking tour of Galway. It gives a great overview of our passionate people and our beautiful produce which combine to make Galway one of Ireland's gourmet jewels. During the tour you will meet artisan producers and sample their products with experienced guides, giving you insights to our local favourites and treasured ingredients.
Meeting point: In front of Mc Cambridges in Shop Street
Duration: approx 2 hours
Maximum group size: 12
Weather conditions: Tours will be running in all weather conditions except hurricanes.
If low demand on the day, the tour maybe be canceled 24h before the scheduled departure. Min of 4 people per group are needed to run the tour.
Vegetarian friendly (please email us in advance if you have any specific diets)
**Pre-bookings is essential.
**Private tours available upon request.


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|22.09.04 17:24
|Hot shit: Pongmechanik is, as the name implies, a mechanically Pong variant. With video!
(Site is in german but the video is subtitled.)
|10.06.04 15:53
|The Wizards of OS 3 conference has started today in Berlin.
If you are in town, visit the Wikipedia-Party at the C-Base.
|31.05.04 00:40
|You think watching Big Brother is as boring as Watching Paint Dry ? Then you will like this real Reality TV.
|07.04.04 23:53
|Habitat Seven rocks the house. Steffen seems to be awakened from his hibernation and is relaunching his site continously.
|25.02.04 17:06
|While some folks are already waiting for the next RSB EP, which will be released later this year, we finally got around to bring the album back online: Richter Salara Balesch.
|25.02.04 16:54
|Here's PlayMusicMagazine, a beautifully designed magazine on music, lifestyle, and the whole shebang - coming your way from Norway. Also watch out for the next issue due March 4th.
|12.09.03 16:47
|Soothing electronics: "Recently I hacked a Mario Brothers Cartridge and erased everything but the clouds." - an interesting idea and a good read up at Dichtung Digital.
|12.09.03 08:25
|Didn't get that earlier: The acg comes to a close, with plw rising from its ashes.
|10.09.03 13:10
|Take time and browse through the winners of the Ars Electronica 2003.
|02.09.03 23:27
|Track danish trains in real-time. A dynamic variation of a traffic map.


text:
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The reporter, more commonly known as Paulo Rocaro, was driving home at around 11:30 p.m. in Ponta Porá, a city near Brazil's border with Paraguay, when two men on a motorcycle shot him at least five times, according to news reports.
Rocaro, 51, was the editor of the local daily Jornal Da Praça and the news website Mercosul News, as well as a correspondent for the national newspapers Jornal Correio do Estado and Jornal O Progresso de Dourados, according to news reports. He frequently wrote about local politics, news reports said.
Cándido Figueredo, a reporter for the Paraguayan daily ABC Color and Rocaro's friend, said the journalist had been highly critical of the local mayor, and supported the campaign of an opposition mayoral candidate. Rocaro was leaving the candidate's house when he was murdered, Figueredo reported. The crime could have been motivated by Rocaro's political activism, one local journalist told CPJ.
Figueredo, who worked on the Paraguayan side of the border in the town of Pedro Juan Caballero, has received numerous death threats in the past decade, according to CPJ research. Authorities also intercepted a phone call between criminals in Brazil who discussed killing him, CPJ research shows. The Ponta Porá police chief told reporters police were investigating a possible connection between the cases of both journalists, but said there was no evidence yet to support the theory.
Police officials told reporters they were investigating the crime as a contract killing, and were looking into Rocaro's journalism as a motive, among others, news reports said. The journalist's colleagues said that although he had reported on sensitive topics for years, writing a book about hitmen in the Paraguayan-Brazilian border area 10 years ago, he was well-liked and had not received threats, Mercosul News reported. The border is particularly dangerous for journalists, CPJ research shows.


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Many of these collections are publicly available, but due to contractual and licensing issues, several collections are restricted to computers on campus or to users logged into the Bucknell network from off campus.
Adieu Saigon...: Adieu Saigon, Au Revoir Hanoi (also known as the Beaucarnot Project) is a large, collaborative project that involved several people from Bucknell University and California Lutheran University. The project ties together the diary of a young woman from 1943 French colonial Indochina, the journey she took while keeping the diary, and the journey re-traced by a team of history students and their professor in 2004. The project's web site includes a complete history and explanation of the project as well as additional supporting research.
Artists' Books Collection: Images of select holdings from the artists' books collection held in Special Collections/University Archives at the Ellen Clarke Bertrand Library, Bucknell University. .
Bucknell History Collection: Images of Bucknell University from the university archives photograph collection in Special Collections/University Archives at the Ellen Clarke Bertrand Library, Bucknell University.
Costume History: The Costume History Collection is a database of images from the Abridged History of Costume by Beverly and Stephen Sbarge, editors. The collection includes images portraying various hairstyles, jewelry, and garments ranging from ancient Egyptian to contemporary styles from designers such as Gianni Versace and Calvin Klein. These images have been licensed from the vendor specifically for Bucknell University's educational use, including classroom projection and research. Images may not be for publication without written consent from the vendor or the image owner. Access to the collection is restricted to on-campus use or by logging into the ArtStor database when working off the Bucknell University network.
DeGregorio Collection of Antiquities: Digital images representing antiquities donated by Dr. and Mrs. Bart DeGregorio to the Ellen Clarke Bertrand Library's Special Collections/University Archives, Bucknell University. Among the antiquities in the collection are a wedge-shaped script on Babylonian cuneiform clay tablets, Egyptian hieroglyphs on papyrus, a Mesoamerican ceremonial implement carved on bone, and an Armenian illuminated manuscript scroll.
Nelson F. Davis Covered Bridges Photograph Collection: Digital images of Pennsylvania covered bridges reproduced from slides, negatives, and original photographs taken between 1936 and 1937 by Dr. Nelson F. Davis, who was a Professor of Biology at Bucknell University from 1898 to 1939. This collection is held in the manuscript collections of Special Collections/University Archives at the Ellen Clarke Bertrand Library, Bucknell University.
Samek Art Museum: The Samek Art Museum's collection consists of over 5,500 works. Digital images represent the diversity of the Museum's holdings and include images of objects from Europe, North and South America, Africa, China, Japan, and the Pacific region. The collection is composed of artwork from ancient times through the contemporary period and includes a variety of media formats.
World War II Posters: During the fall semesters of 2006 and 2008, professor David Del Testa's History 100 courses worked with Special Collections/University Archives' World War II poster collection to photograph, research, and describe individual posters which cumulated into an image collection.


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Views: 751
The word originated 5th century BCE in Greece. It's a real word with a real meaning whether there's people that want to admit it or not. I agree with you though, definitely.
* αθεοι (atheoi) meaning "without god" or "godless."
Here's another list that says, Atheist.http://www.celebatheists.com/wiki/Main_Page
Personally, I don't see the problem with the change. I'm not sure I understand what the fuss is about here. If people who were on the list are no longer there, then I understand the problem. Otherwise, who cares.
© 2019 Atheist Nexus. All rights reserved. Admin: The Nexus Group. Powered by


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CNY Plantagon, Wow.
Hey, Al here,
Just doing a quick post. Check out this project. But don't stop there. Look at the business plan. Actually take a quick look and see how the business is set up. It is forward thinking.
Hey, Al here,
Just doing a quick post. Check out this project. But don't stop there. Look at the business plan. Actually take a quick look and see how the business is set up. It is forward thinking.
Hey it is Billy the Goat. This is a video of Billy the Goat from work. Matt Redmond, my boss (very cool) and Director of Training at NYSWDA is here introducing him.
This also marks my 1st posting of an embedded YouTube video. I know that may not sound like much but learning the blogging scene, updating the blog (thanks T2), getting a YouTube channel and so on… is a good benchmark to reach.
Karen and I want to be able to reach out to you our friends and friends we haven't met yet, to share our experiences on all things 'Autonomous' (that is another post).
The good nature of this is that we have a flip and another small video camera and we are making the flow from thought (vision) to useful shared thought ~ as streamlined as possible.
All the Best,
Autonomous Living
I am so excited about this company—Wind & Weather . If you're a "weather wizard" or are like me and just want to know what to wear so you're not freezing tomorrow, this company has some really cool stuff!
We bought my parents a weather station for the Holidays a few years ago. They love that thing so much that they take it back & forth to Florida each year. I like it because it's simple to read-it shows PICTURES of the predicted weather so you don't really even have to "read"it. Wind & Weather even has one for kids suggesting what they should wear!
Love it, love it, love it! Did I say I love it? Wish they had this when we were kids.
I am still getting used to this blog thing and making time to write what I am doing.
Here is a little status report to any ears listening.
We managed to get the deck pieces moved to Woodhenge and I am getting ready to build a deck/platform to put the yurt on.
The next step is to get 4×4's and set up the base.
log back in soon…
I have a lot to say about the green revolution. It is really a design revolution based on the mapped out patterns seen by Bucky Fuller.
I will lay out on this blog why we are the right people at the right place and in the right time.
We are really in a nexus of these three events (people place and time) and with free will we have the choice to decide where we are going to go.
This is not just paddle. I will back it up with facts and reason.
For those who want to jump ahead to the actual practical parts please see Woodhenge.
For those who want to see reasons in a broader sense see the Cradle to Cradle talk at TED.
I will be listing out the reasons that I believe that Central New York has the ability to be the seed in a super saturated environment.
Those that are familiar with chemistry this is the type of thing I'm talking about.
I hope you are well and I will get back to blogging as I can. I plan to talk a little about myself and the wonders of CNY and a plan for the future.
Well it was wonderful to meet and talk to the students at SUNY Oswego last Friday.
It looks like we are going to set up a trip to Woodhenge this weekend if people are interested.
The Autonomous Housing Autonomous Living site has been redesigned and is just now getting some legs to it.
Speaking of Legs. Check out this link http://www.ted.com/index.php/talks/theo_jansen_creates_new_creatures.html
Talk to you soon,
All the Best.
Welcome to WordPress. This is your first post. Edit or delete it, then start blogging!


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Immerse yourself in the award-winning strategy experience. Microsoft Studios brings you three epic Age of Empires III games in one monumental collection for the first time. Command mighty European powers looking to explore new lands in the New World; or jump eastward to Asia and determine the outcome of its struggles for power.
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The basic drafting technique is to position a bit of paper (or other materials) over a easy surface area with correct-angle corners and straight sides—commonly a drafting board.
Our regionally based staff of CAD designers have labored intently with structural and making engineers to making sure that jobs are finished right from start off to complete.
The key reason why for specifying the criteria intimately is that the drawings are printed and published inside a uniform design and style once the patent difficulties and the drawings must even be these types of that they can be readily understood by persons utilizing the patent descriptions. Sets of complex drawings.
The principle purpose of specialized illustration is to describe or demonstrate these items to a roughly nontechnical audience.
Mechanical drafting can be a professional profession determined by technological drafting and Pc-aided drafting (CAD) that concentrates on blueprints of devices and machine components utilized by engineers.
What Drafters Do Drafters use computer software to transform the models of engineers and architects into specialized drawings. Most personnel specialize in architectural, civil, electrical, or mechanical drafting and use complex drawings that can help design all the things from microchips to skyscrapers.
Mechanical Piping Design focuses primarily on second structural drafting that will help you converse your developing vision.
Drafters generally perform less than stringent deadlines. Subsequently, they must perform competently to make the needed output In keeping with set schedules.
Even though drafters commit much of their time working on personal computers within an office, some might pay a visit to jobsites to collaborate with architects and engineers.
A drafter, draftsperson, or draughtsman is usually a one who can make a drawing (technical or expressive). An experienced drafter who will make technical drawings is typically termed a drafting technician.
Drafters get patterns from engineers and architects and convert them into designs needed for design.
When drawing a setting up's structural blueprint, our structural drafting services are going to be A vital part of the design section.
Working with CAD systems, drafters generate and retail outlet technical drawings digitally. These drawings incorporate info on how to build a structure or machine, the click here scale in the job, and what elements are needed to complete the job.
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CAD Designers has developed various drawings while in the structural subject. From Basis options to flooring layouts their competencies have changed greatly over time.
Architectural model. Drafting is definitely the integral communication of complex or engineering drawings and is particularly the industrial arts sub-self-control that underlies all involved technical endeavors.
When you're Completely ready to understand more details on how our business can work along with you to accomplish your structural drafting challenge, Call us today. You could complete our on the net sort and receive a contact back from the consultant, or read more you'll be able to get in touch with us immediately at (619) 734-7463.
An exploded check out drawing (EVD) can exhibit the supposed assembly of mechanical or other parts. In mechanical techniques commonly the ingredient closest to the middle is assembled to start with or is the primary component during which another areas get assembled.
A different added benefit to mechanical CAD drawings is a chance to handle intricate 3D assemblies in both design and second drawing formats. From simple sections to complex precision assemblies, our mechanical drafting services give 3D assembly drawings in numerous configurations including mated and exploded watch formats having an integrated bill of resources.
Mechanical Piping Design is a company that offers full fledged structural drafting services across the world. Detailed structural drafting forms the foundation of any fabrication or construction of structures and are essential to translate ideas into reality. The quality of the cad drafting services determines the quality of the construction. Our team of engineers and draftsmen are capable of delivering structural drafting services that comply with the international standards of engineering. We deliver high quality structural drawings that are 100% accurate the first time. This eliminates the necessity of rework that saves cost and time for the customers. Our flawless drafting services enable construction or fabrication work to be carried out at a fast pace and the information that are provided with the drawings are comprehensive enough to accelerate the pace of work.


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The Fins Swim Team finished its 2011-2012 short course swim season with three 'championship' meets in March.
The first weekend in March saw the oldest and the youngest Fins traveling in two different directions.
Andrew Faciszewski (16), Jake Minasi (15), and Madison Wall (16) represented the Fins at the The 2012 Speedo Champions Series Eastern Senior Sectional Zones, held in Greensboro, N.C. The 'senior sectionals' is a higher level meet with their qualifying times being among the hardest to achieve in the Fins short course season.
While some younger swimmers (ages 13-14) have attended the meet in the past, it usually is attended by those 15 and over.
Close to 900 kids from 81 teams in five different states attended the meet this year. Faciszewski competed in eight different events, Minasi in three and Wall in one. Faciszewski had an admirable top 10 finish, 9th place, in the 800 yard freestyle to put him among the elite in that event.
"I was happy with Jake's, Madison's and Andrew's performance at Senior Sectionals," Fins Head Coach Eric Kemeny said. "For Andrew to finish in the top 10 in an event is quite an achievement. He works hard and he deserved it," Kemeny added.
That same weekend, seven of the youngest Fins, ages 6-8, battled it out at the South Carolina 8 & Under State Swim Championship held at the Westside Park and Aquatic Center in Greenville.
Assistant Coach Karen Ijames was on hand to coach that team. Each swimmer was allowed to swim a maximum of six individual events and two relays over the course of the weekend with the top three finishers earning medals.
"I am thrilled with this young group's performance," Ijames said. "Every one of them left the meet with at least one medal for a top three finish either in an individual event or a relay. For such a small group, they represented the Fins organization well."
Eight-year-old Alora Orr led the team and with 6 state champion rankings earning gold in the Female 8 year old 200 yard Individual Medley, 50 yard butterfly, 100 yard freestyle, 200-yard freestyle, 50-yard freestyle and 100-yard Individual Medley.
Emma Belcher, 6, also claimed state champion status winning four gold medals in the Female 6 & Under 25-yard freestyle, 50-yard backstroke, 25-yard backstroke and 100-yard Individual Medley. Belcher also received a silver medal in the Female 6 & Under 25-yard breaststroke and a bronze in the 50-yard freestyle.
Katie Lyons, 8, also medaled in five of her six individual events. Lyons placed second in the Female 8-year-old 200-yard Individual Medley and 50-yard backstroke and placed third in the Female 8-year-old 50-yard breaststroke, 25-yard backstroke and 100-yard Individual Medley. Julian Suaza, 8, also medaled for the Fins with a second place finish in the 200-yard freestyle and third place in the 25-yard backstroke.
The girls medley relay team consisting of Hannah Yemec (backstroke), Lyons (breaststroke), Orr (butterfly), and Addeline Lentz (freestyle) finished second in the state while the girls freestyle relay team of Shelby Gourley, Lyons, Lentz and Orr also earned silver medals with their second place finish.
The weekend of March 15-18, Clayton Boyles, Charlie Hancock, Abby Hess, Greg Reed and Nicholas Suaza competed in the 2012 Eastern Section Southern Zone Age Group Championship in Greensboro, N.C.
This meet is also considered a 'high level' meet with the qualifying times being tougher to meet than State Champion Meet times. Gold, silver and bronze medals are also given out for the top three finishers in each event. Sixty-six teams and about 800 kids from S.C., Ga., N.C., Tenn., Ky., Ala. and Fla., competed at 2012 meet.
Clayton Boyles, 10, competed in eight events and placed in the top 10 in every event, earning three silver and two bronze medals along the way.
"To reach the podium at all in Sectionals is a great achievement," Kemeny said. "I am very proud of all our swimmers accomplishments at Sectionals."
Boyles placed second in the Male 10 & Under 50-yard butterfly, 100-yard Individual Medley and 200-yard Individual Medley and third in the 50-yard freestyle and 50-yard breaststroke. Boyles just missed another bronze medal in the 100-yard butterfly with a fourth place finish. He rounded out his events with a sixth place finish in the 500-yard freestyle and seventh place in the 100-yard freestyle.
Nicholas Suaza was the other Fins swimmer to place in the top three in a sectional event with two third place finishes in the Male 11-12 200-yard butterfly and 200-yard Individual Medley. Suaza also added four more top 10 finishes in the Male 11-12 division placing fourth in the 400-yard Individual Medley, sixth in the 100-yard butterfly, seventh in the 100-yard Individual Medley and eighth in the 200-yard freestyle.
Greg Reed, 12, also had four top 10 finishes in the Male 11-12 Division. Reed finished fifth in the 1000-yard freestyle, seventh in the 500-yard and 1650-yard freestyle events and tenth in the 400-yard Individual Medley. Abby Hess contributed three top ten finishes for the Fins in the Female 11-12 Division finishing fourth in the 50-yard backstroke, seventh in the 200-yard butterfly and ninth in the 100-yard backstroke.
The Fins swimmers will take two weeks off before beginning their 2012 Long Course season April 9. The summer Redfish season will follow and begin May 14. For more information on the Fins, Dol-Fins or Redfish, visit www.finsswim.com.


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SHOPPERS at the Hankridge Farm branch of Sainsbury's can help choose the supermarket's charity of the year in a nomination process running until Sunday (June 8).
The winning charity will be announced later this month and will receive a year's worth of fundraising and awareness support from the store.
Last year the store raised £2,600 for brain injury charity Headway Somerset.
Sam Bell, of Headway, said: "Working with Sainsbury's Hankridge Farm over the last 12 months has made such a difference in our cause.
"We've raised a fantastic amount which we're using towards our many rehabilitation service and we're now looking forward to working with them on the future opportunities."
Shoppers can have their say on this year's charity in-store or online at www.sainsburys.co.uk/localcharity


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"You can't analyze the future. You can't run the numbers on the future. You have to go actually create it."
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Suit Textured Micro Micro Textured Suit "Imagining a perfect day and actually striving for it has much of the same effect. It implies that the problem is your lack of control, the absence of order in your affairs, rather than your ability to function in multiple shifting states and environments."
"Enjoy 10–15 minutes of quiet contemplation, and you'll find that your memory of the facts you have just learnt is far better than if you had attempted to use that moment more productively."
"Leaders trying to accomplish a worthy mission have to cultivate the ability to identify the one, two, or three essential issues facing them at a given moment. It is never five or ten."
"You can't buy influence. You can't borrow someone's influence. For an influencer to really connect with somebody, there has to be KLT — know, like and trust."Shorts Khaki Boutique Boutique leisure leisure Cabela's OWqUgTq
"When you spout facts and data that the audience doesn't understand, you make them feel dumb. You want to do the opposite–your talk should make them feel smart."
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"Coming up with the perfect productivity system, the perfect to do list software — it's not important. It's procrastination on the things that are truly important."
"Don't let other people tell you what you want." Casual Nine Boutique winter West Dress 1qpCa— Pat Riley


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This is an update to reflect the current yield on the Arrow Dow Jones Global Yield ETF.
BOSTON (MarketWatch)—If you're looking for income these days it might be time to dump your classic 60% stocks and 40% bonds portfolio in favor of one that produces what researchers at Morningstar call an efficient-income portfolio.
Why so? One reason has to do with current market conditions. Markets are volatile and interest rates, real interest rates—the different between nominal rates and inflation—are low to negative. So, investors who have a classic asset allocation optimized for total return are earning about 2.2% these days.
Another reason has to do with how classic total-return portfolios produce income. According David Blanchett, director of retirement research at Morningstar Investment Management, income from a traditional total-return portfolio comes from two sources: One is what Morningstar calls price return and the other is income (dividends and interest). And since many investors, and especially retirees, don't want to draw their principal (they don't want income in the form of price return), generating income from total-return portfolio can be a difficult task.
By contrast, investors who adopt an efficient-income strategy could earn a much higher and consistent level of income (even after factoring in taxes), and they can do so without having to draw down their principal.
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As you might guess, the strategy calls for investing in a mix of traditional income-producing assets such as dividend-paying stocks, preferred stocks, short-term bonds, intermediate-term long-term bonds (which come with duration risk), and international bonds, along with a mix of assets that come with credit risk such as high-yield bonds and emerging market bond.
And to show how this strategy might work in reality, Morningstar developed an index, the Morningstar Multi-Asset High Income index, according to Brian Huckstep, a portfolio manager with Ibbotson Consulting, the registered investment advisory arm of Morningstar.
The index, which is designed to deliver a high level of current income, consists of several exchange-traded funds that collectively target equity (20%), fixed income (60%) and alternative income sources (20%).
Learn more about the index at this site.
So how can you build an efficient-income portfolio? There are number of ways. You could build it yourself, and invest in the very same ETFs in Morningstar's index for instance.
Or, you could invest in one of at least four ETFs that were built to produce high current income. There's the iShares Morningstar Multi-Asset Income index fund IYLD, +0.20% which is based on Morningstar's index. That ETF has current yield of 3.73% and its net asset value (NAV) has been floating around $25, it launch price in April. IYLD, which is an ETF-of-iShares-branded ETFs, has an expense ratio of 0.6%.
The SPDR SSgA Income Allocation ETF INKM, +0.17% which seeks to provide total return by investing in income and yield-generating assets, is another option. Launched in April, this ETF of SPDR-branded ETFs, has a current yield of 4.03% and its NAV has been floating around its offer price of $30. The ETF, which tracks the MSCI World index, has an expense ratio is 0.7%.
A somewhat different option that comes with more market risk is the Guggenheim Multi-Asset Income fund CVY, +0.27% which seeks to replicate the performance of the Zacks Multi-Asset Income index, an index of about 150 securities that includes U.S.-listed stocks, REITs, MLPs, closed–end funds, Canadian royalty trusts and preferred stocks. This ETF, which has an expense ratio of 0.6%, has been around since 2006 and has a current yield of 5.11%.
But the NAV of this ETF, given its underlying assets, has fluctuated more than other ETFs in this category. The NAV has floated between $10 and $30 since its inception.
A fourth ETF option is the Arrow Dow Jones Global Yield ETF GYLD, +0.22% which tracks the Dow Jones Global Composite Yield index. That index seeks to identify the 150 highest yielding securities in the world in three asset classes, stocks, bonds, and alternatives such as REITs and MLPs. This ETF fund is trading about 5% below its launch price in May of $25. The ETF, which has an expense ratio of 0.75%, is estimated to have a current yield of 8.7% annualized.
For what's it's worth, many of the ETFs in this category are relatively new and unproven. It's quite possible these ETFs will produce—as advertised—high current income. And, it's also possible these funds will deliver those returns—given the risk characteristics of the underlying securities in the ETFs and given what might happen to interest rates—with a high degree of NAV volatility.
What's more, it would be wise to consider what role ETFs of this sort ought to play in your portfolio. Consider, for instance, these funds as a component of a plan, not the entire plan.
And lastly, consider some of the other options that also produce relatively high current income. For instance, there's the Franklin Income fund FKINX, +0.00% which is viewed as the granddaddy of income-producing open-end mutual funds. That fund has a current yield of 6.78%.
And then there are the PIMCO's Real Income Funds—the 2019 fund PCIAX and the 2029 fund ( POIAX which invests in TIPS to produce income over a certain periods of time.
And lastly, there are several firms that offer what are called target retirement income funds, such as the Vanguard Target Retirement Income fund VTINX, +0.15% Fidelity Freedom Income fund FFKAX or the T. Row Price Retirement Income fund TRRIX, +0.26% The Fidelity fund has returned 3.64% over the past five years and 4.06% over the past decade.
Bottom line: If it's income you want, you've got plenty of choices these days. You don't have to settle for your classic asset allocation optimized for total-return portfolio. Today, if the researchers are right, you can earn high current income and, more important, do it efficiently.
Robert Powell is editor of Retirement Weekly, published by MarketWatch. Learn more about Retirement Weekly here. Follow his tweets here.