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These 7 Employee Concerns can Befuddle a 401k Plan Sponsor/Fiduciary
Cerulli Associates, a global analytics firm headquartered in Boston, Massachusetts, recently published the results of a survey on 401k participant information and advice (The Cerulli Edge – U.S. Edition, June 2015 Issue). The responses offer some surprising revelations about the concerns of plan participants. The data, at the same time, exposes some of the failures of the retirement plan industry and hints at some strategies that a typical 401k plan sponsor and fiduciary might use to address these issues.
Upside Down Priorities
The survey shows, except for people with smaller incomes, there's more interest among employees about their investment selections than about how much they should save to live a comfortable retirement. In total, nearly half (49%) of the respondents selected "Understanding Investment Selections" as the type of information they desire from their plan's provider. For those earning less than $100,000, "Contribution Amounts for Retirement" scored 49%, besting "Understanding Investment Selections." (Of note, for those earning less than $50,000, "Financial Planning" topped it all with 56%.)
Why does the overall population seem more concerned with investments than with contribution amounts? Mina Ennin Black, Financial Planner for In The Black Financial Wellness located in New York City, says, [Employees] "have a tendency to think of investing as this sexy and fun thing [they] can do, whereas thinking about and actually saving doesn't sound quite as sexy."
But it could be more of a matter of intimidation. "I believe that people simply avoid the really difficult questions because they are concerned that the answer may not be something they are comfortable with," says Robert R. Johnson, President and CEO of The American College of Financial Services in Bryn Mawr, Pennsylvania. "It is a common psychological defense mechanism. In other words, 'If I don't think about it, I don't have to confront the difficult question' – that is, 'out of sight, out of mind'."
Overemphasizing investments versus saving often has unfortunate consequences. "The problem with thinking about investing before saving is that you have no idea what you're working with," says Black. "You don't know how much you have to allocate toward certain investments and that can lead to unwanted results."
A failure to order priorities properly can lead to detrimental behavior. "The biggest problem is that people procrastinate the decision to save for retirement," says Johnson. "The best time to start saving for retirement is today. People rationalize that they will start saving when they make more money and have more disposable income. Too often, that day never comes."
By not saving as early as possible, retirement savers miss out on one of the greatest opportunities they have when it comes to, ultimately, retiring in comfort. Rob Drury, Executive Director at the Association of Christian Financial Advisors located in San Antonio, Texas, says, "There's a common delusion that there is some elusive secret to market success, be it hot stock picks, timing, inside information, or the like; when in reality the 'secret' is simply to participate to the greatest extent and longest time period reasonably possible, utilizing the tried-and-true principles of proper asset allocation, preferential tax treatment, and risk aversion techniques such as dollar cost averaging and rebalancing. Matching contributions often prove to be the greatest benefit of 401k participation."
If there's one important takeaway 401k plan sponsors need to stress when it comes to participant education and communication, it's the importance of saving and, quite frankly, the relative unimportance of understanding investment selection. "At the end of the day, contributions are a far more important determinant of successful retirement outcomes than investment returns," says Matt Bayle, a Senior Investment Analyst at AKT Wealth Advisors in Lake Oswego, Oregon. "Participants can get overly concerned with their performance results relative to their peers because the comparisons are simple and easily accessible. However, one's path to financial independence is a personal one which has little to do with returns that can be too easily swayed by contributions (comparing a new employee's returns with a more senior employee for example). Much of this dilemma is the result of poor reporting and limited employee education on the subject."
Source of Financial Advice
The survey did contain good news about where plan participants obtain their retirement advice. The primary source for more than half of the 401k participants is financial professionals (with the bulk coming from the "401k Provider" and the remaining from a "Financial Advisor" or "Financial Planner"). Yet, nearly one in five (17%) receive no advice at all. Other surveys suggest getting independent financial advice increases the odds of financial success. "Getting professional guidance can help you get a clear picture of what's really important to you and help keep you on track toward your goals," says Black. "While it's certainly possible to manage without the assistance of a financial professional, it's very easy to fall into common retirement planning traps such as not being properly diversified or not having a full picture of your benefits and taking advantage of all that's available to you."
Why is professional advice important? Bayle says, "A failure to plan, is a plan to fail. Advisers can provide the discipline needed to navigate choppy markets to help see a plan through to fruition."
It's just like any other service professional. "When people get sick they go to a doctor," says Johnson. "When people get in legal trouble they consult a lawyer. Somehow people believe that they have the expertise to guide their own financial affairs. The financial landscape has become increasingly complicated. There is a vast array of financial products and someone without expertise in the financial services area is ill-equipped to navigate the complexities of the industry."
With a layer of professional oversight already in place, as well as the plan sponsor's ongoing fiduciary duty, the need for outside advice may be less critical for 401k plan participants, at least as it pertains to the plan itself. "Financial planning can be incredibly complex; however, simple asset allocation within a canned 401k plan really isn't," says Drury. "Should one get professional advice? Sure, but for a typical mutual fund 401k, it is most important to simply participate. If the 401k provider offers professional advice, this is probably sufficient; if not, they likely offer an allocation model that will adequately guide the investor."
More generally, though, there are distinct risks of getting no advice. Johnson says, "The biggest risk of getting no advice is panicking in a market downturn and either pulling money out of stocks and bonds and moving to money market securities; or, worse yet, deciding not to participate in a retirement plan at all until the market 'turns around.' People who try to time the market find that they have to make several good decisions – when to get in, when to get out, and when to get back in again. I have yet to meet someone who can consistently time the market – that is truly a loser's game. It is about time in the market and not timing the market. Individuals without financial advisors often try to play the timing game."
The survey showed even more – one in four (24%) – of those between 40 and 49 fail to obtain financial advice. "The decade that someone is in their forties is really critical for building long-term retirement wealth," says Johnson. "People in their forties are still far enough away from retirement that the miracle of compounding can work for them. Additionally, individuals in their forties have 'hit their career stride' and have earnings that if managed properly can allow them to build wealth. If people wait until their fifties to save for retirement, they simply don't have enough runway and the number of years of compounding is substantially less."
The Do-It-Yourself Dilemma
With or without guidance, more than half of the 401k participants prefer to do their own investment research and make their own decisions. This "Do-It-Yourself" philosophy is as old as the 401k plan itself. Indeed, the 401k concept is predicated on the foundational principle of employees making their own investments decisions (within the sage constraints offered by the plan sponsor, of course). The early history of 401k plans showed employees tended to be too conservative, often opting for low paying "safe" investment options. The 2006 Pension Protection Act ("2006 PPA") specifically addressed this by encouraging plan sponsors to set up plans that nudged employees into proper long-term investments.
Still, there's plenty of opportunity to continue to conduct investment research, even if the risk is, as we said earlier, taking your eye off the ball. How can this help the individual retirement saver? How can this hurt? "Doing your own research can go a long way because you're able to decide where and how to spend your time and energy, says Black. "The downside is that you may quickly become overwhelmed with the sheer amount of information out there."
Worse, a misguided method might cause the retirement saver to make common investing mistakes. Bayle says, "A motivated and thoughtful participant is a good thing. Proper perspective takes a considerable amount of time and effort to cultivate. An investment approach without this vital facet could be overly myopic and susceptible to missteps."
How easy is it for employees to conduct their own research? That depends on the exact make-up of the investment option menu. "Again, most 401k plans today are mutual fund based," says Drury. "Given this, proper risk assessment and asset allocation are the keys. If employer stock is offered, professional advice is more important, as there is often a tendency to weigh it too heavily in the investment mix; plus, stock offered at a reduced price within a retirement plan may result in sticky tax consequences upon liquidation or account transfer."
This leads to the question, with so many plans set up to make it difficult to pick the wrong investments, does employee-based research even matter? "About the only way it helps the 401k participant is that they avoid fees that financial professionals will charge," says Johnson. "Self-educated investors can succumb to faulty thinking and fear mongering in times of market turmoil. Confirmation bias is a particular problem. That is, do-it-yourself investors tend to gravitate to those sources of information that confirm their opinions. This manifests itself when, in a falling market, investors will sell out of stocks and move to cash or money market securities."
Whither the "One-Portfolio" Approach?
The single portfolio Qualified Default Investment Alternative (usually in the guise of a target date fund) has come to dominate the 401k market ever since the 2006 PPA established it as a legitimate investment option. It is curious, then, that only 9% of the people surveyed said they "prefer a single investment option." This is far fewer than actual investment behavior suggests. "1 in 10 seems surprisingly low," says Bayle. "Perhaps the question was misleading. At any rate, most investors like to have enough suitable options to allow them to create balanced portfolios. A limited universe, even if it is most appropriate, may not provide enough latitude to allow the participant to feel as though they are actually at the helm."
Today, 401k plans are shedding the total number of investment options, with much of those assets now being directed into target date funds. "Most people are used to having many investment options in their retirement plan and they don't realize that having a single investment may simplify their retirement planning needs," says Black. "Target date funds and target risk funds are gaining in popularity because they allow investors the ability to look at one fund and align that fund with the date they wish to retire. This can take the guesswork out of choosing among 10, 20 or 50 investment options that your retirement plan may offer."
This "One-Portfolio" approach, also called "set-it-and-forget-it," appears to be the current version of the 401k Holy Grail. Drury says, "'Set-it-and-forget-it' can be largely the key to success for the average investor in retirement planning. A moderate growth mutual fund portfolio is appropriate for most middle-class Americans during their working years. Target date or target risk funds can appropriately tweak the mix to gradually reduce risk as retirement comes closer."
That it's taking a longer time for retirement savers to truly embrace the "One-Portfolio" approach may be due to years of being taught of the importance of diversification. In addition, headline scandals may cause investors to presume the potential for problems exists where the circumstances simply aren't the same at all. "I think that most people inherently realize that a single investment that you don't have to think about is the equivalent of the Investment Holy Grail,' says Johnson. "If you are right about that single investment – think Berkshire Hathaway in the late 60s or early 70s – the results are spectacular. But, I do think that most investors understand at least intuitively the simple concept of diversification. That is, they recognize that it is dangerous to put all of your eggs in one basket. The Madoff scandal did a lot to educate people on the dangers of having one investment."
While target date funds are currently winning the "One-Portfolio" horse race, they do contain a built-in flaw that could lead to their undoing. Johnson says, "The purveyors of target date funds have done a very good job selling investors on the virtues of a portfolio option that changes as the individual ages, in theory, more reflecting an individual's ability and willingness to bear risk as they age. I think target date funds are a terrific innovation and make retirement investing seem easier for the masses. They basically make some assumptions and put the investor on autopilot. The problem is that two individuals may have the same target retirement date, yet may differ dramatically in their ability and willingness to bear risk. This is where a financial advisor can provide custom advice that takes the individual's personal preferences and constraints into account."
The Paradox of Choice Revisited
Academic research shows an overabundance of investment choices cause a "deer-in-the-headlights" reaction on the part of 401k participants. Despite the movement by plans to consolidate investment options, the Cerulli survey says 63% believe their 401k plan "has adequate investment opportunities" and only 11% "find the number of investment options overwhelming." Is it possible employees don't know the danger of too many choices? Black says, "Too many choices can lead to a number of problems including choosing options that have duplicate underlying investments, not being properly diversified, or, on the other end, being too diversified and putting a small percentage of your money in each and every fund offered."
There are some who continue to accept a large number of options, citing, as stated above, it's difficult to go wrong with most proper investment decisions. "Greater variety lends to better available options; however, every fund family has its stars and its dogs," says Drury. "In the end, it really doesn't matter much provided the allocation is appropriate. Periodic rebalancing is going to continually sell off the highs and buy into the lows, resulting in favorable results over time."
One plan menu design option gaining popularity allows plan participants "to have their cake and eat it too." This is the tiered or category-based option menu. This menu retains a large number of options but groups them into separate categories. An employee makes a category level decision first, then picks the investments. This has the effect of giving the appearance of reducing the number of choices without actually reducing the number of choices.
No matter how the plan investment option menu is designed, the presentation is the ultimate arbiter of success. "A clear and thoughtful deliverable of the options available is a necessary starting point," says Bayle. "Even I find some enrollment packets to be confusing. A lineup should avoid duplicative investment options to avoid confusion."
Saving Obstacles
We all know how important saving is to retiring in comfort. The survey offers some sober news on this point. Unfortunately, a third of all respondents would like to increase their savings rate but can't "due to financial constraints." These numbers are even larger for those where saving is most important – those saving less than 3% (51% have financial constraints) and those saving between 3%-6% (38% have financial constraints). In addition, Cerulli writes, "It is alarming that more than 22% of respondents deferring 6% or less believe they are on the right track in pursuing retirement security. In all likelihood, that amount is not enough, further indicating prevalent misunderstandings among the workforce."
How can plan sponsors help plan participants overcome this obstacle? "There isn't an easy one size fits all solution to this conundrum, although a plethora of books have been published to the contrary," says Bayle. "The plan sponsor has tools like auto escalate to help the participant with this matter. Outside of that, it really comes down to a philosophical mindset that must be identified internally." For him, he thinks of it as handing your older self a substantial check to spend on discretionary items. "That motivates me," he says.
We can look back to some of the earlier survey results to find at least one path to correct the problem of too little saving. "Here is where professional advice shines," says Drury. "An objective third party helping to quantify and prioritize goals will help to keep one's plan in check and on track. Accountability to one's advisor will help the investor keep his eyes on the prize. At the same time, an adviser can also warn the individual that he is placing too much emphasis on retirement savings at the cost of other priorities."
What can individuals do? It always helps to reduce one's goal into small reachable targets, and then move slowly ahead from there. "Take tiny incremental steps toward saving," says Black. "For example, if you get a 2% raise, increase your contribution by 1 or 2%. If you get a bonus check with your employer to see if you can have a percentage of it set aside for your 401k."
Johnson agrees with Black. "I would advocate that individuals take any raise they receive and put that toward retirement," he says. "Many people simply lead a lifestyle that is supported by their level of income. But, if individuals would simply live as if they didn't receive a raise and would take that money and designate it for retirement savings, they could dramatically increase their retirement nest egg."
The Retirement Readiness Fallacy
Only 33% of those surveyed felt they saved "the right amount" or "more than enough" to be "on the right track for retirement." A full 63% say they are behind. Other surveys show the anxiety of retirement readiness dissipates once people retire. How, then, does one reconcile this pre-retirement anxiety with the lack of post-retirement anxiety? Bayle says, "It's human nature to fear change, yet we are all predisposed to adapt when all options have been exhausted."
It might not just be a change in habit, it may merely be that the change is behind us. "We've all heard the many horror stories about how no one is prepared for retirement and it's quite easy to believe you fall into that category," says Black. "This may disappear upon retirement due to some retirees becoming a bit more conservative with their spending habits upon retiring and the relief that many feel at finally being retired that pre-retirement worries go out the window."
And this should be the final lesson when trying to address 401k plan participant concerns: The plan sponsor has to be able to separate the wheat from the chafe. Some concerns are valid, and need to be addressed. Some concerns are an allusion, and it's important not to overreact to them. Finally, some concerns remain hidden from their victims, and these are the most dangerous, for it's difficult to solve a problem when we don't even know it exists.
Are you interested in discovering more about issues confronting 401k fiduciaries? If you buy Mr. Carosa's book 401(k) Fiduciary Solutions, you'll have at your fingertips a valuable reference covering the wide spectrum of How-To's (including information on the new wave of plan designs) every 401k plan sponsor and service provider wants and needs to know. Alternatively, would you like to help plan participants create better savings strategies? You can buy Mr. Carosa's latest book Hey! What's My Number? How to Improve the Odds You Will Retire in Comfort right now at your favorite on-line or neighborhood book store.
Mr. Carosa is available for keynote speaking engagements, especially in venues located in the Northeast, MidAtantic and Midwestern regions of the United States and in the Toronto region of Canada.


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815-556-2704 or E-Mail Us *free s&h on all domestic orders over $75
VERY FINE/NEAR MINT(W) Gail Simone, Dan Slott (A) Laura Braga (CA) 1:25 VariantCome and celebrate the impending nuptials of the Thing and Alicia Masters with a Ladies Night Out as only the First Family of Comics can do it! Guest-starring She-Hulk, Medusa, Crystal and more, it's the bachelorette party Alicia never expected-and one whose ribaldry will be interrupted by the arrival of a Surprise Super Villain! (And no, we don't mean Johnny Storm!) Meanwhile, the Thing has an unexpected meeting with his future father-in-law, the Puppet Master! Plus, Hembeck! The Fantastic Four family tree! And more! R.S.V.P. at your local comics retailer this December, and don't forget to kiss the bride! Rated TDate Available: 12/12/2018
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by Steven Petersheim
Nestled in the mountains –
how's that for a false start?
For mountains, they say, do not
nestle, but only allow us to live,
at least these mountains do.
So living in the mountains
with cows and chickens and people
scattered here and there – or is it
"there and here," since I no longer live
in those mountains? I want to go home,
but I've been told I cannot
by voices older than my own,
by many far wiser than me? I don't stop,
for I will go home to the mountains
that once nestled me even though
mountains, they say, do not nestle.
And if you want to find me
nestling there, I suggest
looking not only at the cows
and birds and bees but also to the woods
thick with trees that have fallen
thumping even in my absence,
so my mother tells me. I am not
the center of the universe, but I am
surely part of it still.


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National Library Week will be observed April 10-16, 2016 with the theme, "Libraries Transform."
First sponsored in 1958, National Library Week is a national observance sponsored by the American Library Association (ALA) and libraries across the country each April. It is a time to celebrate the contributions of our nation's libraries and librarians and to promote library use and support. All types of libraries – school, public, academic and special – participate.
Celebrations during National Library Week include: National Library Workers Day, celebrated the Tuesday of National Library Week (April 12, 2016), a day for library staff, users, administrators and Friends groups to recognize the valuable contributions made by all library workers
Award Winning Graphic Novelist Gene Luen Yang is the National Ambassador for Young People's Literature and also the honorary chair for National Library Week. "I am absolutely thrilled to be Honorary Chair of National Library Week," said Yang. "Libraries were such an important part of my childhood, and they're an important part of my life today. I visit my local library to research, to read, to write, and to be inspired. I'm deeply grateful for our nation's libraries and librarians."
In an interview with School Library Journal, Yang responded to the question 'what is your favorite thing about libraries' by saying "Libraries are physical embodiments of possibility. Every book has the potential to be the beginning of something new – a new perspective, a new love, a new plan for your life."
Show your support for your local library during National Library Week (April 10-16) by visiting your library and by telling others what the library means to you. You can put it on Facebook or Tweet it or just tell the person in front of you in the store line. National Library Week is also a great time to say thank you to a librarian who has made a difference in your life.


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Atkins feasts on home cooking
The swing looked familiar. It hasn't changed much since he became UCLA's only three-time All-American. After six games and three cities, Garrett Atkins clobbered his first home run, which also represented his first RBI this season. Said Atkins, "It's nice to get rid of those zeros in the columns." The 27-year-old grew up in nearby Irvine, Calif., and enjoys facing the Dodgers. He has more home runs (five) and RBIs (17) against them than vs. any other team.
ACE OF BASS: Juan Pierre has come a long way since replacing the Rockies' Tom Goodwin during the 2000 season. The Dodgers' center fielder walked to the plate Monday armed with a $44.5 million contract while Beyonce's "Déjà vu" played over the speakers. The lyrics featured rapper Jay-Z proclaiming that "he used to run bass like Juan Pierre."
ACHES, PAINS: Before the game, Dodgers manager Grady Little explained that Matt Kemp and Andre Ethier, one of last season's top rookies, would share time in right field. Then Kemp promptly crashed into the wall trying to field Jeff Baker's fourth-inning RBI triple, forcing him out of the game and to a hospital for X-rays on his right shoulder.


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The Government Information office (GIO) yesterday expressed its displeasure at Fortissimo Films, the Amsterdam-based distributor of the movie Miao Miao (渺渺), following the controversial withdrawal of the film from the Melbourne International Film Festival (MIFF).
"We feel deep regret that Fortissimo pulled the movie without informing Taiwan in advance," said Frank Chen (陳志寬), director of the GIO's Department of Motion Pictures.
Chen said the withdrawal had "hurt the image of Taiwan."
The office was unclear about the name under which the movie was registered at the festival.
Chen said the GIO would seek reimbursement of a NT$4 million (US$123,000) subsidy it gave to Taiwan Jet Tone (台灣澤東公司) if the movie was not registered at the festival under the country's name, as stipulated in the contract granting the funds in 2005.
Taiwan Jet Tone obtained the subsidy to co-produce the film, directed by Taiwanese director Cheng Hsiao-tse (程孝澤) and with mostly Taiwanese actors, with Hong Kong-based Jet Tone Film Ltd (香港澤東公司).
In protest at the festival's refusal of a request from the Chinese Consulate in Australia not to air the documentary 10 Conditions of Love about exiled Uighur leader Rebiya Kadeer at the film festival, China withdrew its four films from the event late last month.
Miao Miao was also pulled, with the GIO and Taiwan Jet Tone offering different accounts of who made the decision and why.
The withdrawal has met with mounting criticism as it suggested not only that Miao Miao, a Taiwanese film, was categorized as a Chinese film in an international film festival, but also that Taiwan was siding with Beijing in the repression of Uighurs.
Chen Bau-shu (陳寶旭), the person in charge of Hong Kong Jet Tone Film's business in Taiwan, denied yesterday that the withdrawal was inappropriate.
"I don't think pulling the film was in violation of the funding contract [signed between the GIO and the company], which would lead to the [revocation of the funds]," Chen Bau-shu said before meeting GIO officials.
Chen Bau-shu said the film production and the distributor jointly decided to pull the film from the festival as "there was a weird ambiance going around the film festival."
Repeatedly asked by reporters to specify what she meant by "weird ambiance," Chen declined to elaborate, saying the festival was "politicized" and had lost the spirit a film festival should have.
"[We made the decision because of] the complexity of the festival's atmosphere. There were many political issues involved … Initially we thought the film festival may be an opportunity to promote the film, but now we'd rather not get involved," she said.
Chen Bau-shu said that it was only a "coincidence" that Miao Miao was pulled at the same time as the Chinese movies.
"I don't agree with the criticism that we withdrew the movie to cater to China. The withdrawal of the movie has nothing to do with our plan to broadcast the movie in China," she said, adding she did not know if China was suppressing Uighurs.
"It's not my business," she said.
Asked about the impact of the withdrawal on Taiwan's image, Chen Bau-shu said: "I can only say I am very sorry for the damage the withdrawal did to Taiwan's image."
In an e-mail to the Taipei Times later yesterday, a representative from Jet Tone in Hong Kong wrote: "Regarding … the issue of [the] GIO subsidy [to the movie festival], our production Miao Miao has entered all the international film festivals so far as an entry of Taiwan/Hong Kong. Jet Tone Films is listed on all documents as the production company and this is in no conflict with any existing regulations. We have already explained this point to the Government Information Office Film Dept."


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2020 Tesla Roadster. Model 2020 Tesla Roadster will be among the best elements in this American car manufacturer. As you'll probably know, this company is called a leader in the electric cars department. According to most current business plan, the company wants to reach a variety of million units sold every year by 2020. Because of the fact that there is a need to expand the lineup. There are several models that have been released recently, or will be released soon. This will be one of the most interesting and can be bought in the next four years, most likely in 2020 Tesla Roadster. While Tesla is busy with identical large electric vehicles such as the new model 3 and model Y model, the company has confirmed that it will develop an electric sports car from The second-generation Tesla Roadster, CEO Elon Musk has chipped it again. Flickr from Tesla boss deals with performance targets in the new model, expected in 2020. The electric car company is in contrast to a number of other automakers that are beautifully open near its own roadmap. Tesla CEO Elon Masha will share future vehicle reports and promotions via social media, so we now have a very good look at what model 3 follows in the coming years.
The Tesla Roadster 2020 will come as a brand new vehicle. However, it is not the first time that Tesla has manufactured this type of car. Tesla Roadster was currently in production from 2008 to 2012, and was based on Lotus Elise. This time, it will be fully developed and designed by Tesla. The year Tesla Roadster will be built in 2020 on the new Gen3 platform, which is used for the new 3-level model. However, visually, it will often look like the S model. We will see a language created using this model. very. There will be famous chrome-rimmed noses and pointed, brushed headlamps, to name a few. It is also expected to get a lot of background information, although it still maintains a unique appearance. The same thing is expected with the interior.It can only be described in two high-end words. The new cabin will be created wonderfully, and get some options from other models of the brand name. We will see a stylish design despite its contemporary design, as well as exceptional quality materials. Also, expect all of the latest installed technology at home. Any of whom we will see exactly, is difficult to predict, as a new model is expected to emerge within three or four years.
If the next generation Tesla Roadster demands it to be in position from -62 miles per 60 minutes in less than two seconds, Musk explained that he would probably be an "interesting target" for his technical engineers, but would only add if the car was capable of achieving two The second rush – 62 mph is precisely off the generation line and with legal wheels on the roads installed. With the top of the T100 Tesla P100D Saloon S now loaded, Hypercar outperforms the accelerometer, it is reasonable to believe that the year 2020 Tesla Roadster will probably be a very fast car away from the line. When the musk was actually painted Tesla Roadster two years ago, he hinted that Tesla would succeed even in the "generous situation" of upgrading the latter model S., indicating that the company could achieve the target 2-2.22 mph, Tesla achieves its aspirations. A better range of 244 km was purchased from the first-generation version, surpassing the 340-mile range that was equipped with a "Tesla Roadster 3.0" upgrade package. Now, much for the next generation Tesla Roadster continues in the specifications, but thanks to Tesla's practice to divide the silence on the new goods suddenly and unexpectedly, promotions can appear at any time.
The price should be somewhere around the prices of other high-end EVs, so expect to have a figure in-depth of six digits. If we look at a new model of the top model starting around $125,000, I could easily penetrate the new Tesla Roadster brand with $150,000. At the moment, the release date of 2020 Tesla Roadster has already been returned to 2019. Without end, Tesla has a passion for offers, so we may not see the new Tesla Roadster until later.
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1. Home page and click on find your friend on Moby
2. Click on find your friend!
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Olusola Fabiyi, Abuja
The Peoples Democratic Party in Ekiti State will on Tuesday (today) elect its governorship candidate.
Documents made available to our correspondent in Abuja on Monday, indicated that 2,092 delegates are to take part in the election of the PDP governorship candidate.
The number of statutory delegates is 1,585, while there are 491 ad hoc delegates for the exercise.
There are 16 national delegates on the list as well.
Before now, the appeal panel set up for the screening of the delegates were said to have disqualified 51 delegates.
The disqualified delegates were said to be appointees of Governor Ayodele Fayose, but were said not to have resigned their appointments before contesting to be delegates.
Three governorship aspirants have been cleared to take part in the primary.
The aspirants are the Deputy Governor, Prof. Olusola Eleka; a former Minister of State for works, Prince Dayo Adeyeye and a former deputy governor in the state, Senator Abiodun Olujimi.
The primary is to be conducted by the electoral committee headed by the Governor of Delta State, Ifeanyi Okowa.
The Appeal Committee, which is headed by the National Chairman of the party, Prince Uche Secondus, will meet in Abuja on Thursday with other members of the National Working Committee.
Meanwhile, the national leadership of the party has charged delegates as well as members and supporters of the PDP in the state, to work together and ensure a hitch-free exercise.
The party, in a statement by its National Publicity Secretary, Mr. Kola Ologbondiyan, in Abuja on Monday, also commended stakeholders, particularly the aspirants, for the spirit of sportsmanship being displayed in their commitment towards a peaceful, free and credible process.
Ologbondiyan said, "The party further applauds the stakeholders in the state for keeping to their resolve to work together to ensure the victory of the party at the main election, irrespective of the outcome of the primary.
"The leadership of the party restates its stand to continue in the highest level of transparency and to ensure a level playing field for all aspirants in all the processes leading to the governorship primary.
"Furthermore, the party charges all our members in Ekiti to remain vigilant and give no space to external forces, who might be used by the All Progressives Congress to attempt to disrupt the peace of the state, having realised that we are coasting to victory."
Copyright PUNCH.
All rights reserved. This material, and other digital content on this website, may not be reproduced, published, broadcast, rewritten or redistributed in whole or in part without prior express written permission from PUNCH.
Contact: [email protected]


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Ready! Set! Battle! Get ready for the greatest car battle this year with the Bump 'N' Eject Bumper Cars, brought to you by ThinkGizmos.
The Bump 'N' Eject Bumper Cars come in two distinct colours of Red and Green with matching remotes so it is easy to keep track of your car during the heated games.
Each car has pressure points on the side that once hit will send the opposition driver flying. Simply set up your battle field, make sure the drivers are correctly in position and let the Bumper Battle Begin.
Inside the box is everything needed to enjoy these awesome bumper cars. This includes 2 Cars, 2 Remotes, Instruction Manual and all batteries required for both cars and remote controls.
Everyone loves a little bit of competition so they Bumper Cars will provide entertainment for not only Children but Adults when they want to prove they are still the best drivers.
The Bumper Cars are made from a safe Non-Toxic Recyclable ABS Plastic and are suitable for children aged 6+.
Bump 'N' Eject Bumper Cars - Super Fun RC Bumper Cars Reviews
Bump 'N' Eject Bumper Cars - Super Fun RC Bumper Cars Brand: ThinkGizmosSuper Fun Bumper Cars for head to head driving fun. Everything required included in the box.
World / EU Product Links...
Ferngesteuerte Autoscooter - Germany
Auto- tamponneuses radiocommandées - France
Autitos Chocadores a Control Remoto - Spain
Automobile Autoscontro telecomandata - Italy
Remote Control Bumper Cars TG637 - Bump 'n Eject Bumper Cars - USA
Microwaveable Slippers (Red)RRP: £14.99
Todays Price: £4.99 Save 67%
iHat Music HatRRP: £19.99
Todays Price: £6.99 Save 65%
Touch Screen Gloves / Smart GlovesRRP: £9.99
Todays Price: £1.99 Save 80%


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Services For New Home Buyers
Have you purchased your first home and have not considered interior decor solutions?
We realize this is an important event in your life and offer full interior decor solutions, minimizing stress. We offer all the expertise you need to make your new house your home. We can offer a personal, in-home consultation, along with layouts to help you visualize your new interior. We can also provide samples.
Have you purchased your first home and are faced with multiple options from a design centre?
Home builders' design centres offer great options, but you do not know what works best for you. We offer all of the experience and knowledge to take design centre products and make them fit your lifestyle. We can offer a personal design centre consultation where samples can be provided.
Please +contact us today for a design consultation.


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Aquarist, photographer, writer, lover of indie games. Editor-in-Chief of Blackman 'N Robin (and always looking for new writers).
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.


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Obama helps kill US troops then uses their bodies for photo-op
It's been more than two months since General McChrystal sent President Obama his request for more troops. More than two months since McChrystal told the President we will likely lose the war without additional manpower. In those two months, President Obama has failed to give US combat troops the support they are due. And today, to add insult to injury, he exploited those soldiers he has helped kill by posing for a photo op as their bodies were being offloaded at Dover Air Force Base.
Obama made use of his fawning admirers in the mainstream press to represent his reprehensible appearance as an effort to "honor the fallen." General McChrystal, his troops in Afghanistan, and veterans understand the greatest way the Commander-In-Chief could honor these men and women would be to stop playing politics with the war effort and give them the support that just might save their lives!
After all, this is the war he said we must win. This is the war even he and his liberal cohorts said they supported. But now the deaths of American service members seem of less import to this President than his inability to sway Fox News to follow the lead of their competitors in painting Obama as some sort of flawless Savior. He trots across the country and the globe with barely a whisper of their sacrifices.
Until he sees an opportunity to exploit their deaths for political gain, using their bodies as props to bolster his political image.
After two months of ignoring the struggles of our brave men and women in Afghanistan, after refusing to acknowledge or attempt to mediate the difficulties they face, our Dear Leader is using the bodies of those whose lives he sacrificed to bolster his political image.
This man has no shame!


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Maktoob News
The Yahoo product feedback forum now requires a valid Yahoo ID and password to participate.
You are now required to sign-in using your Yahoo email account in order to provide us with feedback and to submit votes and comments to existing ideas. If you do not have a Yahoo ID or the password to your Yahoo ID, please sign-up for a new account.
If you have a valid Yahoo ID and password, follow these steps if you would like to remove your posts, comments, votes, and/or profile from the Yahoo product feedback forum.
Shban. email@example.com
Shban. Hamid firstname.lastname@example.com ranked
Need varsity jackets in wholesale?
If you looking for varsity jackets and American Football Apparel in wholesale with complete customization from fabric, style, designs, embroidery, patches and sizes So you exactly what customer expect from us. Contact us at http://www.bergwears.com64th ranked
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I receive spam messages every now and then, what is the best way to recognize such messages !?
Better control to spam messages64th ranked
kod sms
kod eroor sms59th ranked
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Fifty percent of your 'news' stories on maktoob are from Vidsee.com! Give us content!
Please give us content from good sources in the region, and if you can't find don't just overload us with Vidsee, Bollywood, and the like. You won't allow us to change to other yahoo pages like USA so step up your content so we want to stay and read.37th ranked
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Zainab molavi email address firstname.lastname@example.com.
I am not able to recover my password
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The only way for me now that I know the security questions that unfortunately the link is not active
Really need data transmission of my yahoo mail
please guide me with email@example.com
Thanks64th ranked
How can I get my Arab news website indexed by Yahoo and have you carry our columns? www.TheArabDailyNews.com
How can I get our news and commentary site indexed by Maktoob Yahoo> http://www.TheArabDailyNews.com ... thank you64th ranked
Roman Catholic Church
سلام.تشکرازیاهومکتوب لطفابرای استفاده ازمترجم همزمان سایت راهنمایی کنید.تشکر فریدون ازایران59th ranked
please report on something opimistic now and then from the USA and other countries.
Huff post should start bucking the trend that all news has to be bad. And also can we have news from the middle east that isn't about fighting and terror.64th ranked
*** you and all Arab government leaders who support IS.59th ranked
Hi I am a 20 year old Iranian Arash IT student. I've found a security bug giant Yahoo to introduce bugs email me to keep in touch. arashsohr
Hi I am a 20 year old Iranian Arash IT student. I've found a security bug giant Yahoo to introduce bugs email me to keep in touch. firstname.lastname@example.com ranked
yahoo messenger
I'm thinking about Yahoo Messenger and I realize if you make yahoo messenger for Android and ios something like Telegram or Whatsapp it would be great and useful and so many people use it beacuse it has base of many thing in PC's and we can use ID's and make it happen use phone numbers , user friendly and ...
Thanks for hearing my idea
Danial Bashari64th ranked
please add TheArabDailyNews.com news and features to your publications
please add TheArabDailyNews.com news and features to your publications64th ranked
i would like to contact the person in charge of an article do to a copyright issue
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add country title to left list
add country title to left list then click search and show country news in yahoo page64th ranked
Articles by Reuters and Al Jazeera on Jerusalem Temple Mount do not mention Israeli man killed by Palestinian stone throwers; clearly biased
Reporting bias against Israel64th ranked
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Chemicals in our food, I can't believe it. We used to eat far too much processed food; by processed I mean anything that needs endless amounts of chemical flavorings, colorings and sweeteners to make it appealing to the palate. Honestly it is frightening, what is in our food, if you take the time to read the label.
There has been endless media coverage on the dangers of artificial additives to children's health linking them to ADD and hyperactivity disorder, autistic spectrum and many others disorders, allergies and diseases. There is no doubt in my mind from watching my son that additives affect behavior, the sweetener aspartame makes him hyper and he screams hysterically. I noticed the effect that artificial additives were having on my kid's behavior and decided to remove them completely from our diet. I saw immediate benefits.
It's easy to remove artificial additives from the family's diet but it takes practice when shopping and many weeks reading labels to gage the brands that are safe. Even foods marketed directly for children are a problem; it is unbelievable that in our drive to give our children sugar free, everything we have replaced it with deadly chemicals with unknown side effects. Eating healthily becomes second nature but shopping healthily is a skill especially when the shelves of the supermarkets are stacked with processed food and even not so processed that has hidden chemicals to make it more appealing to the eye or to lengthen its shelf life. Many countries have seen fit to ban numerous artificial additives and I think in the future this list is going to get longer but my children don't have time to wait so it's up to me as a parent to adapt their diet now.
Do your kids have an adverse reaction to artificial additives in their food, tell us the type or reaction they have and which artificial additive you think is to blame?


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World leader in the design and production of finishing machinery , specifically, inspection and packing machines for textile and technical articles.
Testa is a company specialized in the construction of textile machinery, inspection, packing machinery and automation.
Testa was set up way back in 1969.
Today, in a global market always ready to offer new challenges and opportunities.
Testa Group is the right answer : A new generation that moves and mixes with the experience of almost 50 years.
Research, development and innovation are the key tools for any business wanted to compete on the market and break new ground.
Via Crema, 8/C - 24050 Zanica (BG) Italy


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Some recent updates to Inbox that we've rolled out recently:
Bulk Actions
You can now select multiple conversations to mark them as done or delete them. No more tediously deleting individual messages. To select multiple conversations, just select one, hold down the
shift key, and then click another in the list to select it and all the messages in between. If you want to select multiple that aren't next to each other, you can hold down the
command (
ctrl on Windows) key to toggle selection of individual conversations.
Once you have a few conversations selected, you can use the Mark as Done or Delete buttons on the right side. Here's a GIF demonstrating:
For all you keyboard junkies, you can use key commands as well. Hold down
shift while using
j and
k to select conversations. Then you can use
e to mark them done and
# to delete.
We'll be adding more bulk actions in the future, but deleting and archiving should make life easier in the meantime.
Live Updates
We've been working on making updates stream into Inbox better, which should keep conversations up to date without having to wait for the "new updates" button to reload everything. You'll also notice some more "toast" notifications when things happen, especially from other team members.
Multiple Email Addresses Per Team Inbox
Previously, a team inbox was tied to a single email address. Now, a team inbox can have a proper title and as many email addresses as it needs. This opens the door to things like:
- "Aliases" – if you have multiple email addresses for the same purpose, they can all go to the same team inbox now. Some use cases we've seen are different spellings for multiple locales (e.g. inquiries@ and enquiries@) and synonyms (e.g. hello@ and hi@).
- Teams handling multiple addresses – if the same team handles email for multiple domains, you can have them all go into one team inbox (e.g. email@example.com and firstname.lastname@example.com).
- Start with a zendesk.com address – starting a new team inbox with a yourcompany.zendesk.com email address is super quick and easy. Now you can create a team inbox with a zendesk.com address any time, and set up a connection to your custom address later.
To manage a team inbox's email addresses, open the inbox chooser, click "Edit," and choose the inbox you want to edit. Then just click "Add email address" to start the process of adding the new address.
Better Timestamps
If you ever need to know the exact time a message took place, you can hover over the short dates to see a full timestamp that's accurate down to the minute. Even better, dates will now be formatted for common languages and locales, so dd/mm/yy and 24 hour time for locations that prefer those formats.
Upcoming Features
Here's some more things we're currently working on. Let us know if you want to be an early beta tester.
- Undo send – if you've ever sent en email and immediately noticed a typo or forgotten attachment, this is the feature for you.
- Activity feed – a feed of events that have happened in your account, like who replied to conversations, who deleted them, who marked them done, and more. We've been using it ourselves, and it's really nice to see what other folks have done since you'd last logged in (or even to remember the things you've done yourself).
- Design refresh – a pretty major overhaul of the Inbox UI to better fit in with the rest of the Zendesk family, introducing more email familiarity, some new features, all while retaining the great team workflow.


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Track 6: "Angeline & the Bensonhurst Boy" -
As the album's moniker and a number of the song titles infer, this record turned out to be a pretty New York-centric affair. In writing about the city, I chose to shift the spotlight away from the sky-scraping, well-heeled of Manhattan isle toward the more earthly-based, hard working folks of the outer-boroughs. The people I grew up with, the people I live alongside today. Their stories maybe not as glamorous but certainly no less important and in many ways more genuine.
Faithfully based on the lives of my parents, "Angeline & the Bensonhurst Boy" weaves one such tale - My Dad, a street-wise kid from Brooklyn (see above). My Mom, a Kelly Girl from Ridgewood, Queens. Together they worked hard and made a life for themselves as they started a family, struggled for their little piece of the American pie and rode the wave of life's ups and downs - love, serving as anchor, holding all against the drift.
A simple story... But their story... And really everyone's, no?
Angeline & the Bensonhurst Boy
Angeline, Bleecker St. queen
Bensonhurst, every girl's dream
Theirs is a simple story,
No tale of epic glory from above
Just of love…
Angeline played hard to get,
Bensonhurst never gave up yet
Love bloomed and soon they'd marry,
Danced to a big band as the rain it fell,
St. George Hotel…
Settled in a dreary basement scene
Saving for a home they'd call their own
Three long years, of counting all their dreams
They laid their money down and bought a
Tiny place in Queens…
Time passed with something missing 'till
Summer of Love kissed everyone
Angeline had a son…
Years brought tears and joy into the home
They always seem to travel hand in hand
Marveled at how much their boy had grown
Hoping that he'd find a love, a love to call his own…
Bensonhurst, now he is gone
Angeline, tries to carry on…


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Krav Maga self defense is globally renowned as the most practical street defense and hand-to-hand combat system in the world. Literally meaning "contact combat", it is pronounced KRAHV muh-GAH.
Originally developed by Imi Lichtenfeld as a defensive tactics system for the Israeli Defense Forces, it has achieved international prominence as the official self defense and fighting system for several law enforcement agencies and elite military units in the United States and other countries.
After Darren Levine and other krav legends made Imi's self defense and fighting fitness system available to the civilian population, Krav training centers have spread into major cities across the United States, Japan and other areas of the world.
Imi Lichtenfeld designed the Krav Maga self defense and street fighting system with the average person in mind so that anyone regardless of age, size or gender could quickly learn how to defend themselves with skilled proficiency using hand-to-hand combat techniques.
In a short period of time, you will develop a level of street-wise wisdom and physical skills that will dramatically increase your chances of survival in armed and unarmed situations.
will quickly develop a high level of situational awareness and an
instinctive no-think-about-it physical ability to defend and protect
yourself and your loved ones against one-on-one attacks and in
situations where you may find yourself defending against multiple
With the growing mainstream popularity of mixed martial arts organizations like UFC and Bellator, self defense and fighting fitness programs are becoming popular ways to learn how to defend yourself and to get into shape.
Many well-known Hollywood movie stars have used Krav fitness programs to sculpt their bodies including Jennifer Lopez and Ashton Kutcher. But you don't have to be a movie star to get the opportunity to have a body like one. All you have to do participate in fitness classes at your local Krav training center. But if there is no training center near you and you have to train a home, get a copy of The Everything Krav Maga For Fitness book.
The original Imi Lichtenfeld self defense and hand-to-hand contact combat classic Krav Maga: How To Defend Yourself Against Armed Attackers.
Krav Legend Darren Levine's classic book for beginners (Yellow Belt and Orange Belt
Tina Angelotti's comprehensive action guide to Krav combat fitness
Krav Maga DVDs and Books


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Helping Our Patients Smile at Sundance
Park City is currently being flooded by people coming to the Sundance Film Festival. This popular event is a fun time to dress up and go out on the town, amongst all the visiting stars. To get ready for the event, we have many patients come in looking for various ways to make sure their…Read More
Dental Accidents Happen – Learn What to Do If It Happens to You
There's nothing quite spending the year-end holidays enjoying the fresh powder on the slopes with friends and family. The annual family ski trip is often a fond memory for many. While many of these memories are ones of enjoyment and bonding, others are embarrassing. Still other fun ski endeavors, however, don't lead to happy endings.…Read More
How Dental Cleanings Can Change Your Smile and Overall Wellbeing
How Dental Cleanings Can Change Your Smile and Overall Wellbeing Dental cleanings are more than just an important part of regular dental office visits. They serve two purposes: to remove bacterial plaque and calculus (hardened deposits of plaque) from tooth surfaces missed during daily brushing and flossing; and to remove stains that affect the luster…Read More


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Unlike it's chief rival, Microsoft, Apple adopted a full-solution approach that included the computer, the operating system (OS) for the computer, and most of its software made or approved by Apple. The macOS system is for use on desktop and laptop computers and iOS is for iPads, iPhones, and iPods. Click here to see a version history of macOS. For versions between 1984 and 2001, see Classic Mac OS. The early versions were partially based on the Lisa OS. Apple has strict guidlines for App Store reviews and no unapproved app will be allowed to run under a Mac operating system. It's possible to run Windows apps on a Mac using Parallels Desktop. And you can run Mac OS X under Windows using Virtual Box.
Every summer, Apple hosts a World-Wide Development Conference (WWDC) to brief developers on the latest improvements in Apple's hardware & software and asks them to "help us change the world". The results of those meetings are listed below.
The latest events fm Apple
The biggest announcements fm Apple WWDC 2017
The biggest announcements fm Apple WWDC 2016
The biggest announcements fm Apple WWDC 2015
The biggest announcements fm Apple WWDC 2014
The biggest announcements fm Apple WWDC 2013
7/25/2012 Product Release by Apple
"OS X Mountain Lion" (OS X 10.8) sold 3 million units in the first four days and 28 million units as of 6/10/2013. It is available in the Mac App Store for $19.99. OS X Mountain Lion received positive reviews, with critics praising Notification Center, Messages, and speed improvements over Mac OS X Lion, while criticizing iCloud for unreliability and Game Center for lack of games.
4/23/2012 Macs are not immune to virus.
The Flashback/Flashfake virus has hit over a million Macs. But a solution is now available.
7/20/11 Product Release by Apple
Apple has released a new OS, named "OS X Lion" (OS X 10.7) and we would love to hear reviews from our members. The new OS is available as a download directly from the company's App Store for $29.99. Downloads topped 1 million on the first day.
What is iCloud?
If you have a question or comment about Apple software products, send it to the club president.


text:
Jul 24 2014 6:34PM
My Rating
Clint Eastwood
Clint Eastwood, Paul Haggis, Tom Rosenberg, Albert S. Ruddy
Clint Eastwood, Hilary Swank, Morgan Freeman, Jay Baruchel... more
Drama, Sports
4 more
Filmmaker Sanjay Leela Bhansali compares Priyanka Chopra with "Million Dollar Baby" star Hilary Swank insisting that only "Barfi" star could pull of the title role in "Mary Kom", a biopic on Olympic bronze medallist and five-time World Champion M.
All News about Million Dollar Baby
The Resident
The Great Train Robbery
The Threat
J. Edgar
Quantum of Solace
The Notebook
Million Dollar Baby is a Drama, Sports english movie, directed by Clint Eastwood, starring Clint Eastwood, Hilary Swank, Morgan Freeman, Jay Baruchel along with others. Here, on the movie page, you will find every thing that you need to know. Get the up-to-date news updates of Million Dollar Baby, as it happens. Check out what others are saying about the movie on twitter.
Copyright 2010-2013: Gomolo. All Rights reserved. | Terms | Privacy


text:
In 2017, Texas had a population of 28.3M people with a median age of 34.7 and a median household income of $59,206. Between 2016 and 2017 the population of Texas grew from 27.9M to 28.3M, a 1.59% increase and its median household income grew from $56,565 to $59,206, a 4.67% increase.
The population of Texas is 41.9% White Alone, 39.4% Hispanic or Latino, and 11.8% Black or African American Alone. 35.6% of the people in Texas speak a non-English language, and 89.3% are U.S. citizens.
The largest universities in Texas are The University of Texas at Austin (17,181 degrees awarded in 2016), Texas A & M University-College Station (15,532 degrees), and The University of Texas at Arlington (11,829 degrees).
The median property value in Texas is $172,200, and the homeownership rate is 62%. Most people in Texas commute by Drove Alone, and the average commute time is 25.2 minutes. The average car ownership in Texas is 2 cars per household.
Texas borders Louisiana, Oklahoma, Arkansas, and New Mexico.


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The Duffield Dairy
The Duffield Dairy, Burley Meadows Farm, Duffield
Our milk and cream is now available at the following outlets
Croots Farm Shop - Duffieldwww.croots.co.uk/
Locally sourced produce in wonderful surroundings .Posted August 12, 2010 at 1:12 PM
Andrew Coates Butcherswww.andrewcoatesbutchers.co.uk
Andrew Coates Traditional Butchers is a traditional local butchers located on King Street in Duffield, Derbyshire. We offer a range of prepared cuts including a variety of sausages, dry cured bacon, gammon and hams made on the premesis with free range pork.Posted June 14, 2011 at 5:38 PM
Barry Fitch Butchers - Little Eatonwww.barryfitchbutchers.co.uk/
We can now offer offer doorstep delivery in Little Eaton and you can also get our milk from your local butchers whilst selecting from their finest produce.Posted August 12, 2010 at 1:08 PM
Betty's Farm Shopwww.bettysfarm.co.uk/
Betty's farm now offers consumers the ability to buy direct from the farm through our open gate sales, we are open every day except Sunday 9am till 5pm. Eggs are available by the 1/2 dozen, whole dozen or by the tray (which holds 30 eggs). Our eggs sold by the tray are typically half the price you would normally pay at your local supermarket, so there is a considerable saving to be made.Posted May 3, 2012 at 5:16 PM
Highfields Happy Henswww.highfieldshappyhens.co.uk
All the fun of the farm at your finger tips!Highfields Happy Hens is an open farm set within the beautiful South Derbyshire countryside. Come and take a leisurely walk around the farm and take in the peace and tranquility of the countryside - after your walk - why not have a cuppa (or more!) in our tea room!Posted May 14, 2015 at 12:00 PM


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Eric O. Springsted
Thank you to Dr. Eric O. Springsted for his years of service in the Company of Teachers. We wish him well in his retirement.
Interim Senior Pastor, Madison Avenue Presbyterian Church, New York City, NY; Librarian, The Center of Theological Inquiry, Princeton, NJ; Former Interim Senior Pastor, Rye Presbyterian Church, Rye, NY; Former Interim Executive Presbyter, Monmouth Presbytery (NJ); Former Senior Interim Pastor, Georgetown Presbyterian Church, Washington, DC; former Professor of Philosophy and Religion, Illinois College; former Acting Chaplain and Lecturer in Philosophy, Princeton Theological Seminary; M.Div, Princeton Theological Seminary; Ph.D. (in philosophy and theology), Princeton Theological Seminary
The following are topics and formats the Company members are prepared to offer:
Adult Education classes, retreats or individual lectures:
- Augustine: Journey of a Soul
- The Nature of Faith: Catholic and Protestant, Ancient and Modern
- Sanctification: Christian Faith as a Way of Life
- "A Sacrifice of Praise and Thanksgiving": The Nature of Christian Worship
- Secularism and the New Atheism; What Does It Mean to the Old Christianity?
- The Reformed Understanding of the Lord's Supper
- Having an Inner Life
- Not generally available Sunday mornings.
Contact Information:
[email protected]


text:
Instructions for logging on to the portal for the first time:
What is my Portal ID (also called "user name")?
Your portal ID/user name is the first initial of your first name, followed by your last name and the 2 digits of your incoming year. For example, Joe Student's portal ID/user name would be jstudent12. If there are two students with the same first initial and last name, the portal ID/user name would include a middle initial (jmstudent12). If there are duplicate names but no middle name, numbers or the letter "x" will be used (jstudent212 or jxstudent12.) If your portal ID/user name will use a middle initial or number, we will contact you individually. You cannot change your portal ID/user name unless you have a name change processed through the Registrar's Office.
What is my temporary password?
Your temporary password is "st + the last four digits of your social security number + @nyls" (for example, st1234@nyls.)
How do I log in to the portal for the first time?
BEFORE logging in for the first time, all portal users must establish security questions and change their temporary password to a new one. Please follow these steps:
- Go to the portal log-in page, go.nyls.edu
- Click on the link called "To reset/change your password or manage your password security". A pop-up box will ask for your username and password. Enter your user name and temporary password, as described above.
- Click on the "Manage Verification Data" tab, establish your security questions, and click Update.
- Click on the "Change Password" tab and establish a new password. Passwords must be a minimum of 8 characters and contain at least one of each of the following: a capital letter, a number, and a special character ($, #, @, &, *, %...).
- Close the window and you should return to the portal log-in page. If you don't return to the log-in page, return to go.nyls.edu. You can then log in with your user name and new password.


text:
You can have an attractive healthy gorgeous smile all your life.
Dr Stevens and team provide quality dentistry in a relaxed and friendly atmosphere, enabling you to enjoy the benefits of cosmetic and general dentistry (including laser dentistry).
We have a special interest in Minimal Intervention Dentistry and Biomimetics.
Safe amalgam removal is, of course, a standard.
This is reflected in our guide statement:
"Our guiding principle is to provide quality oral care by performing appropriate treatment to give long lasting solutions. We care for our patients, we endeavour to exceed their expectations and are always warm and welcoming"
You can make an appointment for your oral health care needs from Monday to Friday (including two late nights).
In addition, Waiheke Island's adolescents receive most aspects of dental care at Waiheke Dental Centre free of charge up until the age of 18, whether they are at school or working. For emergency dental care out of hours telephone 0274 804 220.
You will find us at 2 Putiki Rd, Ostend, Waiheke Island (corner of Wharf Road and Putiki Road). Allocated patient parking is directly outside on Putiki Rd with full disabled access.


text:
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Tag Archives: hashtags
35 Large Twitter Hashtags For PR Professionals
Posted on 23/11/2017 by takSumbu SeletMUcox
A top public relations consulting agency, Crenshaw is greater than a PR firm. Development companies historically do not really market themselves (as a normal rule) however do traditionally rely on phrase of mouth or on recommendations from associates within the commerce. Points embrace observe-area particular function stories in addition to profiles of PR companies with strengths within the focus space of the month. Today, PR jobs contain managing social media communication , connecting with reporters from non-traditional information retailers, search engine optimization, and many other techniques geared toward shaping and communicating the messages of the corporate.
Depending on the position they're attempting to fill, hiring managers for PR jobs count on candidates to have sturdy interpersonal skills – along with present networks of contacts within enterprise and media. By utilizing Twitter, you can join with the quickly rising independent PR community to change advice, references, and solutions in general.
Sadly, such an angle results in thinking that the identical PR techniques and strategies that work so well in the United States can be thrown over the fence to be used in other nations. Related to the above, corporations typically find they do not have resources and/or funds to successfully goal all the markets in a given region. Lastly, he indicated that a typical day for a PR person begins with studying the newspaper cowl to cover.
Clients of Momentum Media PR have been featured by The Boston Globe, Sunset Journal, Common Mechanics, Males's Journal, and more. Construction corporations could nicely profit from utilizing telemarketing as a approach to generate new gross sales leads; that is usually acclaimed to be a reasonably fast form of advertising and marketing in producing new gross sales enquiries. Whether or not it is in-home assignments or working for exterior clients, PR companies perceive that surviving within the digital space is centered on getting their social media technique right.
Whereas signing as much as a PR company would not need to be a lifelong dedication, it is important to take the extra time researching potential firms, and chatting with contacts for suggestions, to make certain you find a good fit. Barefoot PR helps shoppers leverage strategic neighborhood funding, optimistic PR, messaging, cause campaigns, social media, and customized training.
Posted in PR Companies | Tagged hashtags, large, professionals, twitter | Comments Off on 35 Large Twitter Hashtags For PR Professionals


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MIDDLETOWN, Conn. - The Wesleyan University men's outdoor track and field team is set to compete at the 2016 NESCAC Men's Track & Field Championships this Saturday, April 30 at Pratt Field on the campus of Amherst College.
Amherst will serve as this year's host, and competition will begin at 9 a.m. with the men's discus, the women's hammer throw, the men's long jump and the women's 10,000 meter run.
The NESCAC Men's Track & Field Championships will be broadcasted live by the Northeast Sports Network (NSN), and will feature live results throughout the weekend. (Webcast/Live Results)
The Cardinals enter the championship coming off of an impressive showing at the J. Elmer Swanson Invitational, as they claimed six wins. Wesleyan was especially impressive in the 150-meter run, as they claimed eight of the top 10 spots.
Tate Knight '18 enters the championships with the second best time in the 3,000m steeplechase. His time of 9.28.70 puts him behind Luke O'Connor of Tufts, who registered a time of 9:12.08 in the event. Agbon Edomwonyi '16, who was named NESCAC Field Performer of the Week earlier this season, will look to close out his career with a victory in the discus event. His throw of 46.56m ranks second to Adedire Fakorede of Bates, who's throw of 49.23m leads the field.
For a full NESCAC preview of this weekend's conference championship, visit NESCAC.com.


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Connecticut and Rhode Island will have their presidential primary elections this upcoming Tuesday.
The two small states offer candidates just a fraction of the delegates of their big state counterparts, and don't usually have any effect on the nomination process, this late in the primary game. But not this year.
John Kasich surrogate Dawson Hodgson says, "We are heading to a contested convention in Cleveland, Ohio, this summer. That means 19 Rhode Islanders are going to play a critical role in choosing the Republican nominee for the United States."
Surrogates for the Republican candidates were educating residents at the Laurelmeade retirement community, where voters were motivated in support of the Republican front runner and in fear of the Democrat front runner. One supporter said, "The people that I speak to, they're all in favor of Donald. We need an outsider."
Christine Freiburger of Providence, Rhode Island, said, "Which candidate has the better chance of defeating Hillary?"
But this being heavily Democratic-leaning Rhode Island, Hillary Clinton has plenty of support.
Liz Paci of Warwick, Rhode Island, says she's excited to vote for a female candidate.
Bernie Sanders has support as well.
Jon Staloff says, "Though his path to the nomination is indeed narrowing, there is actually a path, and whatever states are left, he has to perform there."
This is why Sanders will make three stops in Connecticut or Rhode Island by Monday. Clinton will make two stops as will Donald Trump.
Providence Business owner Jerry Erlich says, "For Trump, unfortunately he's waiting on 54 votes he might not get out of Pennsylvania. You've got Bernie trying to prove a point, and Hillary has to keep spinning her wheels."
Former Rhode Island GOP State Party Chair Mark Zaccaria said, "So my vote in November is not going to be as important as my vote on the 26th of April when I can send the message, at least to the Republican national committee, saying, here's the guy that should be our guy."


text: WHEATLEYAN MAGAZINE Bablake School is one of the UK's premier and oldest co-educational independent schools and Bablake's annual magazine The Wheatleyan is one of the longest running school magazines in the country. It has grown from humble beginnings into a 112 page colour publication that celebrates the life, experiences and achievements of pupils and staff in the preceding academic year. As well as producing the prospectuses for the Senior and Junior Schools, Mustard has produced the design and production of the magazine for the last ten years. CLIENT Bablake School SECTOR Private Education PASS THE MUSTARD PLEASE! 'Good design is obvious. Great design is transparent.' JOE SPARANO


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The U.S. economy is expected to have lost 50,000 jobs in March, explains Dylan Ratigan. However, Apple has sold 3 million iPhones as of January 15th. And on Thursday Apple's iTunes online music store surpassed Wal-Martto become the largest music retailer in the United States. Might healthy sales at Apple mean the economy is better than economic data suggests?
Zachary Karabell, Fred Alger Management, joins the panel for this conversation. Following is a synopsis of his main points.
It doesn't make sense to me that everything is bad in the economy, says Karabell. Of course the mortgage crisis is serious but it doesn't touch everyone. In fact, there's no question in my mind that there are multiple economies.
What does that mean?
People who buy Apple products aren't the same people involved in the mortgage mess, for the most part. And Apple sales appear to be strong. That suggests to me there's at least a section of the economy that's prospering.
Would you trade it?


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Abike Dabiri-Erewa, senior special adviser to the president on foreign affairs and diaspora, says efforts to stop the killings of Nigerians in South Africa are not working.
In a statement released on Wednesday by Abdur-Rahman Balogun, her media aide, she called for a review of the 'Early Warning Signal' set up by the ministries of foreign affairs in Nigeria and South Africa to check the attacks.
This statement comes after two Nigerians, Francis Ochuba and Chidi Ibebuike, were recently killed in South Africa.
"The efforts that led to the establishment of the EWS by both countries are not working as the present mechanisms seem to do little or nothing to prevent the occurrences of these killings," she said.
Dabiri-Erewa also addressed the matter while responding to a question on Twitter about the government's plans to stop the killings.
"All policy matters handled by the ministry of foreign affairs, the Early Warning Signal put in place by the foreign ministries of both countries need to be reviewed," she wrote on Twitter.
All policy matters handled by the MFA. The early warning signal put in place by the Foreign affairs ministries of both countries need to be reviewed https://t.co/1RoakbPj25
— Abike Dabiri-Erewa (@abikedabiri) May 16, 2018
"I'm sure the ministry of foreign affairs will take a second look at the situation."
Dabiri-Erewa appealed to Nigerians living in South Africa to remain calm and shelve their proposed mass protest.
She also urged them to wait for intervention efforts from both countries to stop the killings and bring the culprits to justice.
At least 118 Nigerians have been killed in South Africa in the last two years.


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Coming in for a safe landing with Derek Sheen
Just a few days removed from performing at what must have been an insanely fun Comedy Exposition in Chicago, Derek Sheen shook off some jet lag and absolutely nailed the interview that follows.
As a matter of fact, if you want to skip these introductory paragraphs and go directly to the Q and A, that's fine. Chances are your humble author isn't going to come up with anything as good as Sheen's insight into stand-up.
He did his first open mic at age 13, toured with the great Patton Oswalt and has done comedy festivals from Wilmington, N.C., to San Francisco. His album "Holy Drivel" is really funny and features disturbingly awesome cover art and that's enough of me writing.
Enjoy the interview, visit Sheen's website, follow him on Twitter and don't forget The Best Tweet I Can Find In Five Minutes at the end.
TC: How was Chicago?
DS: Chicago is ridiculous fun. It's one of my three favorite cities — Portland and San Francisco are the other two — for stand-up. Their scene is so good and the audiences are very open to anything.
It's a place I like to go to test new material, too. Their Comedy Exposition was one of the best weekends I've ever experienced as a comedian. No hyperbole.
Also, the food scene is stupid, in how good it is.
TC: You got started in stand-up very young. Do you remember who was the first person to tell you that they thought you were funny?
DS: My mom was the person who encouraged me, from a very young age. She loved playing stand-up albums in the house. Very subversive stuff, too. None of that Borscht Belt crap: Lenny Bruce, Carlin, Mort Saul, Dick Gregory, Richard Pryor, Nichols and May. She's been my biggest supporter and also my biggest critic. She's the original comedy nerd. Heck, sometimes laughter was the only thing we had to get us through. I am always grateful she taught me humor as a survival skill.
TC: Box wine contributed to you getting gout, but you got a very funny bit out of it. So the pain was totally worth it, right?
DS: If you've never had gout, it essentially feels like every bone in your foot/feet has been shattered, because the cartilage crystallizes so that your bone is scraping against shards of hardened material. It is, essentially, the funniest disease you can discover you have while you are walking from Gate A7 to N22 at Atlanta-Hartfield.
Also, totally worth it!
TC: You've toured with one of my all-time favorite performers, Patton Oswalt. Did you watch his shows each night and if so, what was that experience like?
DS: I made it a point to watch Patton every single night because he is my comedy idol and also because I loved watching how he made the sausage every night. Patton isn't a comic who just goes up and "does" his material, he allows it to live in the moment and each show is different. Sometimes that audience energy is different. Sometimes Patton's energy is different and watching how a performer of his caliber is able to traverse any situation and still make it memorable and fun, there is nothing but good that can come from that. It is always an honor to get to see him work, especially from the side of the stage.
TC: When you tell a joke that is met with an immediate gasp, due to the imagery or hitting someone's religious sensibilities or whatever, then laughter follows, is that more rewarding in a way than just getting immediate laughs?
DS: The stuff that I'm most excited about sharing with an audience is the stuff that challenges them. I am definitely a tension and release kind of guy and there is no better feeling than being able to ratchet up a group of people and then watch the relief on their faces when we all land safely on the ground.
Although, I do enjoy getting people to just gasp and not laugh sometimes, by painting them a horrible picture and leaving it on a wall in their brain. For me, that's just as rewarding. Words are truly powerful things and finding new ways to shock or stun a group of strangers, without resorting to junior varsity level racism or trigger words, is kind of a thrill for me. There's nothing wrong in shocking people with how smart you are.
Here it is, The Best Tweet I Can Find In Five Minutes:
Clinton/Thor 2016.
— Cameron Esposito (@cameronesposito) July 17, 2014


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The first question is how does social media change or effect the way salespeople can and should prospect? On everyone's prospecting plan there should be a strategy for networking and in many cases, social media can be faster, more wide ranging and effective than traditional approaches such as association meetings or even trade shows. The advantages are:
- You can network everyday 24/7.
- You can reach a larger pool of prospects especially internationally
- You can link activities together such as a blog, twitter, facebook, linkedin, etc. so one action is multiplied
The big disadvantage is that you can't reach those who are not social media literate or willing. I'm sure today this is a large pool of people but it's shrinking.
In adding it to sales training, I think there are a few things to consider:
- Social media etiquette
- How to write discussion question and other posts
- How to build your credibility using social media
- How to build your presence in various social media
This are just a few of my thoughts. Please add yours.
As an extra, here are a couple of articles on using twitter you might like:


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Author's note: I did all the diagrams in MS Paint so please excuse the rough edges. I would also like to say that the inspiration for this sub came straight after reading Mageek's mirror motion puzzle.
What is it?
It is a puzzle of Chinse origin that is composed of only 7 pieces including:
- 2 large pieces of right angle triangles
- 1 medium piece of right angle triangle
- 2 small pieces of right angle triangles
- 1 small piece of square
- 1 parallelogram piece
In Figure 1 below, I show the 7 pieces in their 'default' configuration with each piece denoted by a different colour.
It really came about as a toy for children. The basic premise is that they are presented with an outline of a particular shape (say that of an animal) for them to assemble using all of the 7 pieces. The name tangram apparently came from the Chinese character tang referring to one of the most prosperous dynasties in ancient China (the Tang dynasty) and the Greek word gramma with similar meaning to the word graph in English. In Chinese, its name is Qi Qian Ban or the Seven Boards of Skill. For more details, refer to the Wiki here.
Figure 1: the 7 pieces forming a square (its 'default' configuration when first bought in a pack)
Incorporation into Gaming and Difficulty Levels:
Such a puzzle can be easily inserted onto any cask, door or wall to be found in a dungeon as long as the object involved is large enough to fit in a panel showing a shape outline. A natural way to tweak the difficulty level is of course to introduce time limits and/or increasing the number of puzzles that have to be solved in one go. However, one can also create different difficulty levels by varying the conditions under which the actual puzzle pieces are attained.
Easy- The puzzle pieces are found in direct proximity to the panel showing the shape outline or found earlier on as random loot from monster encounters or through other ways involving little effort on the part of the PCs.
Medium- A minor puzzle has to be solved before the puzzle pieces 'pop out' via a hidden mechanical device or magic
Hard- The puzzle pieces are found on the body of the cask/door/wall to which the panel is attached to but are hidden as part of the artwork painted/tiled on there. I picture two sub-levels here with the easier version being that the pieces are hidden in an oil painting as part of jewellery, a crown, floor tiles, corner of a vase etc. and the truly devious version being that they are hidden in an artwork composed entirely of triangles and squares.
Some Examples:
For more examples, visit here
Additional Ideas (0)Please register to add an idea. It only takes a moment.
Suggested Submissions
- Phantom Paths Dungeons By: Mageek


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Strive Allen Co. opens for business
Lima: The Strive @ CRSI program in Allen Co. opened its doors on September 9 as sixteen individuals entered the newly remodeled property for the first time to attend CRSI's fourth adult day services program. (Current programs are also located in Champaign, Clark and Hancock Counties.) Another sixteen people will follow suit on September 30. All thirty-two individuals are also receiving CRSI services while living at the Mary Ann Brown (MAB) facility on Mandolin Drive.
To celebrate the occasion, an open house and ribbon-cutting ceremony was held on September 19 in collaboration with the Lima/Allen Co. Chamber of Commerce.
The Strive program offers participants a place to socialize and learn; and "strives" to enhance personal growth, develop skills, maintain a healthy lifestyle and engage in the community.
The program is very much needed in the area according to Esther Baldridge, superintendent of the Allen Co. Board of DD, who spoke at the ribbon-cutting ceremony. She indicated her pleasure in working with CRSI. Noting the well-coordinated services between the agency and the county board she pointed out that CRSI hired some of its MAB staff (familiar to consumers) for the program to make the transition easier.
CRSI purchased the former Beef & Bourbon/Twist & Shout restaurant on Shawnee Road earlier this year. After several construction delays that pushed back opening day, the completed property has been transformed into the perfect setting for the Strive program. The building has undergone major renovations to accommodate individuals with disabilities and all participants can now enjoy a huge, expansive space; complete with wood floors, high ceilings, cheerful decorating, and a large coffee bar.
According to Kelly Buck, Habilitation Director, the hope is to one day open a coffee bar for the community, featuring the Strive coffee brand currently being produced by the Clark Co. program.
The long awaited opening was well worth the wait according to many of the parents, Allen Co. board staff, and chamber/community representatives in attendance during the open house.
For more information about services or employment, contact Kelly Buck firstname.lastname@example.com.


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Our teacher mentioned the exact words "Southern aristocracy" yesterday while we were examing Huck Finn, and it prompted me to not only do a little research on the phrase, but to ponder why, exactly, I picked it as my blog title. First things first, and I really did have to laugh out loud when I stumbled upon this in a Google search:
The 1866 Civil Rights Act included a provision designed to prevent Southern aristocrats — pseudo-aristocrats, really — from exercising dominion over the citizens around them.
This phrase in and of itself killed two birds with one stone. Not only did I not feel the need to research any more, but I realized that I couldn't have picked a better blog title if I'd tried. Pseudo-aristocrats indeed! I've always had a pretty prominent aspirational streak in me, and I doubt I need a psychiatrist to diagnose why that is, but I won't go into that here. Actually, at the risk of offending anyone who might be reading, I probably wouldn't ever write about it period. I think that's one of the main challenges writers face when they start writing about themselves, or any semblance of themselves, even in alleged fiction. In my case, at least, way too many Valdosta, Georgia anecdotes would manifest themselves in the work, and feelings would get hurt and people would get offended. And hopefully a few people would be flattered, but the former are risks I'd rather not take, so the debate ends there.
I'll end with this, since I'm exhausted after a long week of classes and an endless work schedule: the teacher was presenting the concept of Southern aristocracy in a bad light; saying it can have a negative connotation, if you will, especially in regards to the pre- and post-Civil War eras. I didn't disagree, and I could see her point in relation to the story, which Twain wrote in 1885 but set in the Antebellum period. And her mention of the two words made for a good blog entry=case closed!
PS–I'm a horrible Valdostan, as I've never stepped foot in The Crescent as far as I know. Been on the porch and grounds many, many times, but never inside.


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Television, 2009–2013
Rachel Lang and Gavin Strawhan created Go Girls out of a desire for an upbeat show about "people who liked each other". Audiences liked the characters too: the show ran five seasons, after introducing us to a group of 20-something friends, each aiming to make a major life-change in the next year. Over five series various romantic adventures ensued, and the core cast of Anna Hutchison, Alix Bushnell, Bronwyn Turei, Jay Ryan and Matt Whelan were joined by others — before finally departing altogether, with one final season revolving around a new cast of wanna bes.
Go Girls starts from a twist, a beach and a promise. The twist is that this femme-dominated tale is narrated by a male (Jay Ryan). The promise involves four friends having a drink on the beach, and agreeing to make a major life-change within a year. Amy (Anna Hutchison) wants to be rich; whacky bartender Britta (Alix Bushnell) seeks fame; straight-talking Cody (Bronwyn Turei) wants a hubbie. The intentionally "optimistic, kind" hit show stretched to five seasons. In the backgrounder, co-creator Rachel Lang writes about the show's origins and difficult, rain-sodden birth.


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Experience Opera as it was born.
In the heart of Florence, in a Palazzo once owned by Niccolò Machiavelli, we welcome private audiences to our exclusive performances. Your family, friends and clients are invited to enjoy a fun evening of excellent music performed costumed and close up.
A four-course supper party in the dining room upstairs is also available upon request.
For booking and information, please contact email@example.com, +39 340 811 9192


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What time am I talking about? Well, after taking a look at my blog, just head on over to the Stamping Ground blog where the lovely Julia has got us all peeking at each others desks & what is on them. Not just here in the UK - but all over the crafting world. Have a good nose.
Well today my desk actually has a card on it that I made for a challenge at the weekend - & some new bits & pieces, plus a piece of silk embroidery that I must have done at least 8 - 10 years ago which has come to light through my moving house.
This is my crafting desk (as opposed to my computer desk - I showed them both last week), & since last week I have been able to unearth my little blue drawer unit with most of my unmounted stamps in & many of my packs of cards. Also one of my 12x12 boxes with papers, & my stamping mat is in the foot-well. Foot-well - that's a laugh - I can't get my foot/feet in there at the moment.
Here is a close up of the left-hand side of the desk showing some recent purchases. At the front are 3 Embossalicious embossing folders from Crafters Companion. They were featured on C&C in Las Vegas. Also there are some Die'sire cutting dies which I bought just before I moved. The embossing folder to the right of the dies was a freebie on Papercraft Essentials magazine this month. So! lots of new things waiting to be used.
Here is a close up of the right-hand side of my desk with the little ribbon embroidery there in the front, along with my paper cutter & its changeable blades.
Right! that is my desk - why not pop over to the Stamping Ground & see what other crafters have been up to. Just click on the link above.
Thank you for dropping in I hope you enjoyed your visit.


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Director Alfred Hitchcock delves deeper into the world of Cold War espionage he'd plumbed in TORN CURTAIN, adapting this thriller from Leon Uris' fact-based novel about the 1962 Cuban missile crisis. When a defector reveals the Soviet plan to install nuclear missiles in Cuba, the CIA turns to French spy André Devereaux (Frederick Stafford) to gather intelligence. Complicating his work is a cadre of French double-agents codenamed "Topaz." With Michel Piccoli and Philippe Noiret.
more info
General Admission$12.00(unless otherwise noted)
Cinematheque Members $8.00
Seniors 65+ andStudents with valid ID


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Did Cecelia, of Pearl Public Library, Chapter 1 Book Club
fame, really go there? Oh, yes she did! She picked a twisted one this time! One that's just right for the month of Halloween!
Devious is the title. Need anymore be said? Of course! It's a wicked crime. A heinous crime. For crying out loud, in the name of all things Holy, some crazed degenerate has gone and killed a nun? Is that enough said? I didn't think so!
The crime scene: St. Marguerite's Cathedral in New Orleans. In a yellowed, bridal gown is how they found murdered Sister Camille, her body covered with an altar cloth. Even local, veteran detectives are freaked out about it!
Naturally, Valerie Houston (Val), Camille's sister, was just torn up by her sister's death. What made things worse is that she had pleaded with Camille to leave St. Marguerite, but Camille didn't always make the best choices. In fact, Camille ran to join the convent after falling in love with Slade,Val's soon-to-be ex-husband.
Like any distraught family member, Val, just didn't think the police were doing enough so she begins to investigate herself! And, here comes Slade trying to make some brownie points by helping. He is still into Val and wants to put their marriage back together.
As Val gets deeper into the investigation, she learns things are not as they seem. A normal, reverent convent is not what St. Marguerite is turning out to be, not by a loooooooooong shot! Father Frank O' Toole and Mother Superior are mighty suspicious themselves. Then Val learns that Camille had a hidden life. But, we all know things don't stay hidden forever. Somebody knew about Camille's past and uh, Val's too!
Now, Val has got to find this devious killer that is out to cleanse St. Marguerite's of all its sins. Plus, Val may be next on the list!
WOW! Don't you want to know more?!?! You have got to read this book! Hey, it's one of famed author Lisa Jackson's creations! You just know it's really good! Jackson has written more than 85 novels, and 30 of them have been best sellers!
Come on by the Chapter 1 Book Club meeting, Thurs. Oct. 9 at 6 p.m. No reservations needed, and as always, light refreshments and door prizes included!
We'll see you there!