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Retirement Planning (Part 2) – How to Plan for Retirement?
Check Part 1: Why Retirement Planning is important?
On Sunday:
Ramesh: Hey Suresh, Good Morning !!!
Suresh: Hi Ramesh, Good Morning to you too!! So, you are here, let us continue our discussion.
Ramesh: Yes please, this whole time I have been feeling like Jon Snow from Game of Thrones, like I know nothing about retirement planning.
Suresh: Ha ha, do not worry my dear, soon you will be like Tyrion as we drink (coffee) and we know things (about Retirement).
Ramesh: I would very much love that, so you were going to tell me how much do I need to save and how to do it.
Suresh: Yes, so as we discussed, if you want to have monthly expenses equivalent to today's Rs 1 lakh on Retirement at 55 yrs of age, then at that time, considering inflation at 7%, the expenses will be 5.4 lakh per month. So, for next 25 years (assuming life expectancy of 80 yrs) you need approx 65 lakh every year for the expenses.
Ramesh: Wait a minute, will I not need increased amount every year, due to inflation.
Suresh: Good catch, now you are getting the hang of it. Yes, you are absolutely right; the amount required each year will increase. But to simplify things, let us say that the corpus you would have accumulated by your retirement will earn same interest as the inflation, say both Inflation and Interest Rate will be 7%. Hence, the amount each year required will remain the same.
Now the amount you need at your retirement to live a good life till age of 80 years is 25 times your yearly requirement, which comes out to be 25*65 lakhs, i.e. 16.28 Cr approx.
Ramesh: 16.28 Cr, isn't that too much?? How will I be able to accumulate this much??
Suresh: Do not worry; we will get to that also. There are several ways to plan. First let us see how much do you need to save monthly to achieve 16.28 Cr corpus at age 55 yrs. You know about mutual funds, am I right?
Ramesh: Yes, I know, I have been planning to invest in them too; I have heard that they give 18%-20% returns.
Suresh: Good that you know about mutual funds and are planning to invest in them. Indeed some mutual funds, the equity ones, have given stellar returns in past few years; also some have given very good returns, similar to what you mentioned, over long term, which is 15-20 years.
However, past returns are not a guarantee that in future returns will be same, though equities tend to give very good returns in long term, but for our calculations, we will be conservative and use 12% returns Year on Year on the investments. Better safe than sorry.
Ramesh: Oh, ok. So, how much do I need to save if I assume 12% return?
Suresh: Well, according to the calculations, you would need to save around 12.21 lakh per year, i.e. 1.02 lakh per month.
Ramesh: Holy mother of dragons!!! How can I save this much, isn't this a lot? I thought after my PPF investments and Provident fund deductions I would need a small amount more for my SIP for the Retirement.
Suersh: I can understand your feelings, when I did my calculations first time, I was as much shocked but this is the reality. However, there are few strategies which you can use, so that you can easily manage to create a corpus for your Happy Retirement.
Ramesh: I am very much eager to know that, but first I need a glass of cold water please.
Suresh: Ha ha, ok I will get it for you.
Ramesh: (after having 2 glasses of water): Yes, now please tell me, and keep that water bottle here only, who knows when I might need that again.
Suresh: Ok, so first thing that you can do is delay your retirement by 5 years, that way you will need to save monthly Rs. 63,000 to save for your retirement corpus enough to spend equivalent of today's Rs. 1 lakh till the age of 80 yrs.
Ramesh: Hmm, though the amount is lesser now, it still is out of my reach to save this much monthly.
Suresh: Ok, then, if you delay your Retirement by 5 years and also decrease the monthly expense to equivalent of today's 80,000, then you need to save around 50 thousand per month.
Ramesh: Oh, still I do not think I will be able to manage this.
Suresh: No problem, let us go back to your original requirement, i.e. to Retire at 55 years of age with expenses equivalent of today's 1 lakh Rs.
Ramesh: But what is the use.
Suresh: You will see. Can you manage to save Rs. 20000 per month?
Ramesh: Hmm, that much I think I can.
Suresh: Good, what if you start today by investing Rs 20k per month and increase that by 10% every year, till your retirement.
Ramesh: Hmm, what do you exactly mean?
Suresh: I am saying that, invest 20k each month this year in an equity mutual fund and next year invest 22k each month, the year next to that invest 24.2k each month, i.e. a 10% increase every year. With increase in salary, you should be able to do this.
Ramesh: Yes, I think I can do that. Will this help.
Suresh: If you follow this strategy, then you will be able to save 14.6 Crs by the age of 55 years, keeping in mind the Rate or Returns as 12%. And if you start with monthly investment of Rs. 22,500 then you will be able to reach surpass your retirement corpus requirement and will have around 16.42 Cr. The final corpus might vary if rate of returns varies, but I think at 12%, we have kept it quite safe. However, be ready for surprises.
Ramesh: Well, the surprise that I got today was not less than a shock for me, thank you for enlightening me. But how come the amount required which was almost 1 lakh came to 22.5K only.
Suresh: That is the combination of power of compounding. At one hand your returns will get compounded and on the other hand your savings are also increasing due to the compounding effect of increasing them each year. However, you need to keep earning more each year to be able to save more. Also, keep expenses in check, when you get an increment, first increase your savings, then think of increasing your expenses.
Ramesh: Sure, I will try to do that and make full use of the magic of compounding. I am very happy that we discussed all this, thanks a lot to you for explaining it to me.
Suresh: You are always welcome.
Ramesh: But what about my Provident Fund and PPF?
Suresh: See, these are debt instruments, and debt instruments give proper cushion to your investments from market volatility. You should maintain a healthy mix of debt and equity in your portfolio, so for now you may invest around 20% in Debt instruments and 80% in equity. Keep increasing debt portion as goal comes near. You can opt for Debt mutual funds too apart from PF & PPF.
Ramesh: Hmm. Ok, will try to do that and if I need any help, will come back to you.
Suresh: Sure, anytime. Now let us have lunch and discuss some Game of Thrones theories. Who do you think will die in next episode???
Start Investing in Mutual funds on WealthTrust App.
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Diverse background in leadership, management, project management/Agile SAFe processes and practices, business analysis, process development, operations, communications and . Effective and efficient, known for the ability to strategize, plan, organize, and execute. Demonstrated ability to identify, assess, and resolve potential conflicts and present solutions.
- Certified Scrum Master
- Certified Product Owner
- Certified Scrum Professional
- Kanban
- Certified Leading SAFe (scaled)
- Agile Coach/Servant Leader
- Release Train Engineer
- Project Management
- Business Analysis
- Process Improvement
- Organized
- Strategic Planning
- Execution
- Healthcare
- Problem Solving
- Communications/
- Operations Management
Confidential, TN
IT Manager | Leading SAFe | Agile Coach/Release Train Engineer
- Led the transformation of a large IT organization from traditional PM/SDLC to Agile SAFe (scaled agile). Formed the teams/train, conducted, provided coaching, prepared and facilitated planning, inspection and adaptation, retrospectives, and demos for a large complex train.
- Coached the release train Product Management Counsel (PMC) and new teams using Agile/SAFe Scrum and Kanban processes, practices and tools.
- Scheduled and facilitated release train events, including 2 - day program increment (PI) planning sessions, inspect and adapt activities, retrospectives, and demos for a large complex train.
- Coached the PMC to estimate and prioritize the backlog, conduct backlog refinement, definition of ready (DoR), definition of done (DoD) for the newly formed train.
- Captured train metrics, coached Scrum Masters on capturing, managing, and tracking team capacity/velocity, and overall commitments.
- Coordinated across teams for dependencies and risks, removed impediments, and handled escalations.
Confidential, MN
Sr. Business Consultant
- Facilitated the transition of select groups of a large IT organization from traditional PM/SDLC to Agile for a healthcare company, resulting in the further transformation of the rest of the organization.
- Coached and trained newly formed semi-dedicated teams in Scrum using Agile/SAFe Scrum and Kanban processes, practices and tools.
- Acted as a coach and servant leader, influenced from a position of minimal authority, provided guidance, identified, communicated, and solved impediments, provided status reports and progress.
- Scheduled and facilitated Scrum events, including release planning, sprint planning, daily stand-up, reviews, demos, retrospectives, and technical working sessions.
- Conducted estimation and prioritization for backlog refinement, sprint planning, and release planning.
- Captured requirements, created user stories/acceptance criteria, logged risks, issues, constraints and dependencies.
- Captured, managed, and tracked team capacity/velocity, and overall progress.
- Managed and maintained project plans, coordinated resources, updated allocations, and communicated statuses.
Sr. Business/Process Analysist/Project Manager
- Gathered detailed application lifecycle data for an enterprise application repository that provided application status, visibility, budgeting, development, and planning for over 2000 applications.
- Developed an internal workflow to receive, track, and process incoming client questions and work requests in a timely, efficient, and effective manner.
- Partnered with business units to develop remediation plans for non-compliant Windows7 applications for the clean-up/retirement of over 1,000 applications and migration of over 3,000 applications to Windows 7.
- Provided analysis, data, and conducted research for business groups for budget planning and desktop resource management.
- Created a comprehensive Project Management artifact maintenance plan for an IT PM group to create guidelines, standards, and communication consistency and continuity within the organization.
- Resolved escalations related to software application and desktop management processes so business groups could access applications and complete projects.
- Created test plans and conduced testing, installation, implementation for support of new or existing applications software.
Confidential, Minneapolis, MN
Sr. Business Analyst | PM
- Led the implementation of a password enhancement project for a web application, acting as the Sr. BA and PM, using PM methodology and SDLC processes to create a detailed and organized project plan/execution.
- Consulted with business owners, stakeholders, users, and vendors to elicit, requirements, conduct system and UAT testing, problem identification and resolution for multiple eCommerce and web based projects.
- Created templates for documents and logs for PMO team for Payment Card Industry Data Security Standard (PCI DSS) program.
Confidential, Minneapolis, MN
Resource Manager/Project Manager, VP
- Elicited, analyzed, researched, and documented requirements for an automated web portal forms project to obtain detailed design specifications, reduce defects during testing and after implementation.
- Developed a right-sized change integration strategy to analyze the impact of changes and projects on the business and determine the type of communications/ required.
- Created an organizational document impact assessment process to determine all documents impacted by a project or change and initiated a complete document lifecycle process including a document repository, maintenance and reporting.
- Developed a complex user acceptance testing strategy for an Interactive Voice Recognition (IVR) replacement project including a detailed test plan with defined resources, timelines, and test cases.
- Created a sense of organization and structure for a 5-person project team by implementing business analysis, project management best practices and methodologies creating efficient and effective repeatable processes, standard and consistent projects, and communication and documentation.
- Led the team of professionals who developed and delivered end-to-end complex, regulatory and technical projects including related communications and .
- Managed multiple project plans simultaneously including task estimation, requirement gathering, testing, communications,, project plans and other related SDLC project documentation.
- Developed a and communication strategy for all projects including using a web conferencing tool as a vehicle to deliver, allowing one trainer to facilitate sessions to staff in a distributed format.
- Introduced web-based elearning- methods, freeing up valuable instructor and staff time, reserving face-to-face instructor-led for the most critical subject material.
Confidential, Minneapolis, MN
IT Services, Senior System Engineer (BA)/Sr. Change Analyst
- Participated in the re-engineering and design of the change management, configuration and incident management projects and IT Service Management program providing improved cross-functional operation processes and new software tools.
- Spearheaded a project to update and maintain project documentation to preserve the integrity and versioning of project material allowing for an organized, efficient and smooth transition to operational and support teams.
- Assessed IT infrastructure changes to minimize risk, impact and timing against other changes and known business events
- Developed and implemented process improvements to assist clients in adhering to Change Management processes and to enhance customer service.
- Analyzed and organized process materials throughout the project lifecycle to create initial documentation.
- Developed key relationships and consulted as a SME with vendor resources to create complex end user .
- Created a series of al presentations to communicate process changes and prepare users for .
Confidential, Phoenix, AZ
Logistics Planner
- Organize, planned, drafted, created and reconciled logistic stow plans for loading and unloading large container vessels using web-based software applications so vessels contained the correct cargo, cargo in right locations, correct port destination, with nothing left behind.
- Communicated and coordinated directly with ship and port crews for ship stow plans using teleconferencing, email, cell phone, fax and chat features allowing for plans to be carried out by longshore crews with minimal changes or revisions.
Confidential, Minneapolis, MN/Phoenix, AZ
Network Facilities Center Manager/Network Database Manager/ Construction Manager
- Managed a dual center consolidation and workload migration to reduce redundancy/operating costs.
- Restructured and reorganized a telecommunications team and improved ineffective repair work processes to enhance operational efficiency and reduce monitoring of communication equipment and increase productivity.
- Identified repeatable processes and procedures to improve team effectiveness and morale.
- Evaluated technical records for a national communications company to develop a technician skills assessment and implement a detailed checklist for skill level and needs, used for performance reviews.
- Managed a technical team providing standardization, consistency and the reduction of time by implementing a templated model.
Confidential, Tacoma, WA
- Trouble-shot technical service problems using web-based software and dispatched technical service personnel to allow for fewer customer outages and quicker turnaround time between service calls.
- Documented installation and sales calls, entering the information into a software application system for service activation and billing.
- Provided initial formal OJT for all newly assigned dispatchers as a hand-picked trainer creating standard and consistent practices, and an overall increase in customer experience and satisfaction.

subset: commoncrawl


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Located on the edge of New York City's Chinatown, the Museum of Chinese in America (MOCA) has long been dedicated to capturing the Chinese-American immigrant experience, now housed in an intimate museum space designed by renowned architect Maya Lin. Until May 2, MOCA will feature a special exhibit dedicated to Chinese puzzles, along with related events, featuring pieces from the private Yi Zhi Tang (art and intelligence) collection.
The MOCA special exhibit features a small portion of the over 1,400 puzzles, books, and artifacts collected by the Classical Chinese Puzzle Project, created by husband-and-wife Chinese puzzle enthusiasts Peter Rasmussen and Wei Zhang. In the 1990s, their fascination with puzzles began simply as a hobby – Rasmussen, trained as a mathematician, was particularly interested in the math behind puzzles and puzzle-solving. Making their acquisitions at open-air markets and stalls in China, their private collection of these mind-boggling physical and mechanical puzzles grew.
But what exactly makes a puzzle "Chinese"? The Chinese word for "puzzle" (yizhi youxi) translates quite literally into "enhancing intelligence game," emphasizing the educational value of puzzle-solving; many of the puzzles embody or retell certain moral stories.
According to Rasmussen, "In English, the phrase 'Chinese puzzle' is frequently used as a metaphor to describe something difficult, complex, intricate – or even senseless. For us, however, 'Chinese puzzle' has a specific meaning. Puzzles are usually – but not always – games that are played by oneself, use physical apparatus, and involve arranging, disentangling, putting something together or figuring out a sequence of moves to arrive at a predetermined goal."
The special exhibit at MOCA features several categories of Chinese puzzle, including puzzles made specifically for export to the West, puzzles completely Chinese in origin and puzzles that originated elsewhere but were later adapted to the Chinese context. According to MOCA's Exhibitions Manager Ting-Chi Wang, some of the oldest pieces in the exhibit include ceramic puzzle vessels – teapots and cups specially designed so that liquids are poured into the bottom but don't drain out when turned upright.
But, perhaps the most well-known, fully "Chinese" puzzle is the tangram, seven flat geometric pieces that can be arranged into a number of shapes. As early as the 12th century, tangram banquet tables were invented, and a more complicated 15-piece tangram was developed in the late 19th century. When Western traders brought the tangram back from Canton, what might have been the "first international puzzle craze" took hold of European and American salons, resulting in intricately carved tangram sets and other puzzles created specifically for export.
In contrast, a good example of imported puzzles modified for the Chinese audience includes the sliding-block puzzle, where the object of the puzzle is to slide the various squares and rectangles to allow the largest square to slip out from a slot at the bottom.
The sliding-block puzzle often depicts a battle scene from the Three Kingdoms Period (220-280 CE) – actually, the Huarong Pass scene recently adapted for the big screen in John Woo's epic film Red Cliff. Research shows that the puzzle did not originate in China, it was imported. Still, common local belief held that, since the puzzle depicted a Chinese historical scene, it must have had ancient, local roots.
Even now, the format of the sliding-block puzzle continues to have resonance beyond borders and time, as seen most clearly in the Rush Hour traffic-jam puzzle, which is displayed alongside the reproduction of the sliding-block puzzle at the MOCA exhibit.
Perhaps the most harrowing Chinese puzzle is the 341-move Nine Linked Rings, where the object is to remove all nine imprisoned rings from the metal base. Just looking at this thing makes me cringe.
But the curators are quick to point out that the solution to Nine Linked Rings follows a logical pattern because "the puzzle is based on a system of topology." Topology and the manipulation of spatial relationships are also recurring themes in the Burr Puzzles. These are based on Chinese carpentry techniques that rely on solely on joints, eschewing nails and oftentimes glues as well, to make intricate furniture and architectural feats, such as the iconic Hall of Prayer for Good Harvests at the Temple of Heaven.
Modern variations of the metal interlocking rings puzzles include the bent-wire Ingenious Rings, developed sometime in the 1930s and 1940s – a tradition continues with the Ruan family. The story of the Ruan family and the Ingenious Rings comes alive in a 2008 CCTV special documentary, subtitled and available in two parts on the Chinese Puzzles Youtube channel.
The first part of the video tells the story of patriarch Ruan Genquan, whose expertise in creating Ingenious Rings had remained dormant until Wei Zhang and Peter Rasmussen tracked him down in the late 1990s. The two had read about Genquan's father in a book from the 1950s that described and diagrammed the unique, playful puzzles in detail.
Even though Ruan Genquan and his siblings had not made Ingenious Rings puzzles in 40 years, they could instantly make them from memory when the puzzle enthusiast couple showed up at their door in the 1990s. As Ruan Genquan would explain, the puzzles were "embedded in our heads and bellies," and encouraged by interest in the Ingenious Rings, the family continues the tradition today. At the time of this writing, according to the curators, the Ruan family's shop is currently located at Huang Jie #11, outside the gate of Xihui Park (九连环店 黄街11号, 新惠公园门口), in Wuxi, Jiangsu Province.
The special exhibit at MOCA is only the second public showing of pieces from the Yi Zhi Tang collection, but the collection catalog is available on Amazon. Currently Wei and Rasmussen are working on further traveling exhibits and also a permanent museum in China.
For the next few months, however, the Yi Zhi Tang special exhibit has found a temporary home at MOCA, and the museum will host a variety of events and curator talks related to the Yi Zhi Tang collection, especially around Asia Week in mid-March. On February 12, the New York Puzzle Party Symposium, hosted by Games Magazine contributor Tom Cutrofello, will hold its annual event at MOCA with a day-long lecture and social program for local mechanical puzzle enthusiasts.
Even if you can't make it to one of the events, the special exhibit itself is highly interactive. During my visit, a family with two children, probably between 7 and 12 years old, started playing with several reproduction puzzles that MOCA set up so that museum-goers can have an interactive and physical experience. The puzzles are challenging, and even the deceptively simple sliding-block puzzle requires 81 moves to complete.
All in all, it was fascinating to watch how the children and parents engaged with the puzzles themselves as part of the overall museum experience, even though the Dad "cheated" by looking at the solution. Although, truth be told, I couldn't solve any of them myself, so who am I to point fingers?
Photos: Niana Liu.


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Star-Kist Cannery Facility Project
- SCH Number
- 2019129042
- Lead Agency
- Los Angeles Harbor Department
- Document Title
- Star-Kist Cannery Facility Project
- Document Type
- NEG - Negative Declaration
- Received
- Project Applicant
- Los Angeles Harbor Department
- Present Land Use
- General Plan Designation: General/Bulk Cargo for Hazardous Industrial and Commercial and Commercial Fishing; Zoning: ([Q] M3-1 ), (Zl-2130), (Zl-2442)
- Document Description
- The proposed Project involves demolition of the former Star-Kist cannery facilities on an approximately 16.5-acre site within Terminal Island at the Port of Los Angeles. Construction activities would involve demolition of all facilities within the project footprint including a small wooden dock; grading; covering newly exposed dirt with crushed miscellaneous base; and installation of perimeter fencing and lighting.
- Contact Information
Nicole Enciso
Los Angeles Harbor Department
425 South Palos Verdes Street
San Pedro, CA 90731
Phone : (310) 732-3615
- Coordinates
- Cities
- San Pedro
- Counties
- Los Angeles
- Cross Streets
- Earle Street/Marina Way
- Zip
- 90731
- Total Acres
- 16.5
- State Highways
- 27
- Schools
- Port of Los Angeles High School
- Waterways
- Fish Harbor, Port of Los Angeles
Notice of Completion
- Review Period Start
- Review Period End
- Development Type
- Other (Demolition)
- Project Issues
- Aesthetic/Visual Agricultural Land Air Quality Archaeologic-Historic Biological Resources Drainage/Absorption Flood Plain/Flooding Forest Land/Fire Hazard Geologic/Seismic Minerals Noise Population/Housing Balance Public Services Recreation/Parks Soil Erosion/Compaction/Grading Solid Waste Toxic/Hazardous Traffic/Circulation Land Use Cumulative Effects
- Reviewing Agencies
- California Air Resources Board California Coastal Commission California Department of Boating and Waterways California Department of Conservation California Department of Fish and Wildlife, South Coast Region 5 California Department of Forestry and Fire Protection California Department of Parks and Recreation California Department of Resources Recycling and Recovery California Department of Transportation, District 7 California Department of Water Resources California Governor's Office of Emergency Services California Highway Patrol California Native American Heritage Commission California Natural Resources Agency California Regional Water Quality Control Board, Los Angeles Region 4 California State Lands Commission Department of Toxic Substances Control Office of Historic Preservation State Water Resources Control Board, Division of Water Quality
- Environmental Document
- NOI PDF 258 K POLA_Star-Kist_Draft ND_December2019 PDF 27146 K Summary Form PDF 74 K
Disclaimer: The Governor's Office of Planning and Research (OPR) accepts no responsibility for the content or accessibility of these documents. To obtain an attachment in a different format, please contact the lead agency at the contact information listed above. You may also contact the OPR via email at email@example.com or via phone at (916) 445-0613. For more information, please visit OPR's Accessibility Site.


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Kagro X at the Orange Overlord makes an interesting point:
Just prior to the vote on Joe Lieberman's Homeland Security chairmanship, the Washington Post's Chris Cillizza followed with a story that drew considerable notice for this quote:
Asked what it would mean if Lieberman kept his chairmanship, one Senate Democratic aide said bluntly: "The left has been foiled again. They can rant and rage but they still do not put the fear into folks to actually change their votes. Their influence would be in question."
It was a calculated statement, of course, and one that's as likely to have come from "one Senate Democratic aide" who works for Lieberman as anyone else. But what's interesting here was the credence the theory seemed to have among Conventional Wisdom watchers.
And it's plausible enough on its face, though I'd argue that the fact that a bunch of bloggers drove the Senate Democratic Steering and Outreach Committee to publicly announce its intention to hold a formal vote isn't exactly something to sneeze at. We fought, we lost. It happens. But our fights never used to culminate in votes of the Senate Democratic Caucus before.
The story made me curious, though, about whether we'd see similar reaction in the traditional media about the results of the other marquee committee leadership contest of the new Congress, the Waxman-Dingell match-up for the chair of the House Energy & Commerce Committee. There's been no shortage of coverage of the issue itself. And, of course, everyone covered the results. But where are the stories claiming that the defeat of the conservative wing of the House Democratic Caucus and their Blue Dog ringleaders represents a "foiling" of the right? That the Blue Dogs "can rant and rage, but they still do not put the fear into folks to actually change their votes? That their influence is in question?
Maybe I don't feel quite as upset at the Lieberman vote after all. Dingell was as much of an impediment to the liberal agenda as Lieberman.


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Lives & works in Reno, NV
A love of art has been with me since I was very young and has been part of my family for generations. My interest in photography began when my grandfather showed me his vast collection of cameras. I remember noticing that in nearly every old photograph of him, there is a camera around his neck.
It was at the University of Nevada that I honed my skills and developed an even deeper passion for photography. I was encouraged and challenged by some very special professors to go beyond my comfort zone and really explore the medium.
Between becoming a teacher, working on my Masters of English degree, and living a busy adventure filled life I always make time for photography. Whether it is a photo shoot with a client, or just a day exploring the desert, I want photography to always be part of my life.


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This event has been Canceled
This is a USATF sanctioned event.
Welcome to the inaugural English's Ridge Rumble!
The race will be held at Green Lakes State Park starting at the disc golf course. When entering the park take the first right up towards the campgrounds and then the first left. Follow that road to the very end where we the start/finish will be located.
This event will host 3 different race distances ranging from a 10 mile to 50k distance. The race course traverse's as many ridge's as we could possibly squeeze in over a loop course. The race has a 1-2-3 lap option and with each lap being approximately 10.33 miles after 3 you will have completed a 50k distance.
Upcoming Races
Apr 18 2020
Multiple Loop Course
3 Elevation RatingHilly, ~2500-7500 feet in 50 miles
3 Surface RatingSome rocks, root, and/or ruts
50 KM View course top times
We try to keep the most accurate information about this race, but changes do happen. Always visit the official race website for the most up to date information.


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DizzyDills Comics. Wendy Pini has also worked for Marvel, but is perhaps best known for her Elfquest series which she produced with her husband Richard. ZZZ Comics. These never achieved widespread popularity but were kept in print for many years, sold through Klaw's mail order catalog to the same customers who bought his bondage photographs of Bettie Page.
He claimed that Batman and Robin were encouraging homosexuality, and decried the bondage seen in Wonder Women's book. A quick survey will reveal that Japanese comic artists often combine well-written stories with sex and eroticism. Some of the first specialized manga magazines were aimed at adult men. Kim possible.
In Tokyo, it is not an uncommon sight to see respectable employees on their way to work in the subway reading a manga comic with sexual content. In January , DC announced that they were withdrawing from the Comics Code as well, and the sole remaining CCA member Archie Comics withdrew the day after, bringing the code to its end. Your browser does not fully support modern web standards and might not be able to display this website. Weekly Manga Times debuted in , and originally focused on erotic fiction and 'porno manga'.
Sophie dal nude. An overview of eroticism and adult pornography in comics
The artistic qualities of many erotic comics are very high, and many artists have earned themselves a respectable reputation in this genre. Indien porno. North American comic books tend to be around 7 by 10 inches in size. Marie-Gabrielle, by Georges Pichard Fetishism Some comic artists cater to several specific fetishes, such as feet, high heels, leather boots, nylon and rubber. Ultimate3DPorn Comics. Bdsm comics. In France in , Jean-Claude Forest started producing a strip called Barbarella , set in outer space, but where the heroine found herself losing her clothing or ending up in sexual situations. Naruto hentai.
Reader discretion is advised. When it comes to actual good comic books involving sex, the American comic book market has lagged Tumblr pearl string behind Europe and Japan, Hannah hays wiki comic books about sex are quite Explicit adult comics.
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The magazine failed very quickly due to cash problems by Hefner, but an apologetic Hefner gave Kurtzman free office space where he tried to launch follow-up efforts. In addition, Kurtzman kept pitching Hefner on features for Playboy and finally, Hefner agreed to publish a sex parody comic series within the pages of Playboy called Little Orphan Fanny a parody of Harold Gray's famous Explicut strip, Little Orphan Annie.
Drawn by Kurtzman's longtime collaborator, Will Elder, the strip followed the naively optimistic Fanny into various funny situations where she would invariably end up naked. The strip ran from toso Kurtzman was Expilcit to parody the entire sexual revolution as it happened. XXXenophile was a comic book series that Phil Foglio wrote and drew with a number of different inkers, typically some of the best and brightest comic book artists of the era in the late s through that was an anthology series of sex stories avult a sense of the absurd mixed in.
Take the featured image here, for example, which shows a woman practicing "safe sex. The comics were clearly pornographic, but in an adorable, romantic way. It was also interesting to watch Foglio himself evolve as the series went on, as he initially developed the series from a heterosexual male perspective straight sex and lesbian sex but eventually worked in gay sex, as well.
This was a major Kim possible hentai cartoon incoming from such a creator as Chaykin. Aduult story is a hard-boiled tale of Cass Pollack, jazz musician on the run after being accused of killing his wife and daughter.
In exchange for an alibi, he agrees to locate a historic pornographic film from the Vatican's porn library. As it turns out, the film is tied up in some ritualistic horror stuff and there are many different factions trying to get their hands on it, with Pollack caught in the middle. Strips was an early comic book series written and drawn by Chuck Austen for Rip Off Press that started in It starred Zack Mackinerny, a Explicti comic strip creator for a college newspaper and the sexual misadventures that he and his friends get into on campus.
The other main character is Kenna English, a girl who has a big crush on Zack, but can't seem to get him to pay attention to her, as he ends comcs dating and having a lot of sex with her roommate instead. Zack is a bit of an oblivious jerk, but he's a charming enough character that you can't hate the guy too much and Kenna is engaging enough for both of them plus the other supporting characters are all interesting in their own way.
Sadly, the comic book series ended on a cliffhanger, with Kenna apparently planning on becoming a stripper to pay for her tuition after the school canceled her financial aid. InFantographics Books launched Eros Comix, featuring pornographic comic books and other erotic materials. Birdland starred a married lawyer who has having affairs with two strippers, while his seemingly stuck up wife is having sex with her patients while she hypnotizes him.
Meanwhile, his wife's sister adklt also obsessed with him but his brother who is also sleeping with one of the strippers is obsessed with his wife. The whole thing goes to a crazier level cmics aliens abduct the whole crazy group and the series ends with a series of strange erotic stories dinosaur sex. It's a bizarre comic, but Hernandez is so talented that it still works. He later worked the characters into his other comic book works, but in grimmer fashion.
It starred a young woman named Annie and Nibbil, who was essentially Annie's own personal Jiminy Cricket, only a sexy shapeshifting sprite instead Explocit a cricket. The final issue adylt especially romantic, as mid-way through the series Annie and Mackenzie phillips nude meet a shy girl named Sage who joins them on their Ashlynn yennie bondage sex scene adventures and in the final issue, Sage gets a girlfriend.
The concept of the comic is that a Watcher-analogue, the Viewer, Explict a prostitute super powers to adu,t if she will become a superhero.
She does end up becoming a superhero, of sorts, but not before first using her powers for sex and Expllicit also making the other superheroes around her look like morons as she brutally tears into their preconceived notions about sex and morality.
It's a sharp rebuke of the superhero industry, but at the same time, there is a good deal of heart mixed in with the graphic details of the comic, which is the case for all Ennis comic book stories, really. Dale Lazarov's current imprint of gay erotic graphic novels, Sticky Graphic Novels, is named after his first major work, Stickywhich he wrote with artist Steve MacIsaac.
Stickyoriginally a miniseries for Eros Comix, is a prototypical Dale Lazarov comic book story, meaning that it is a collection of character-driven sexual adventures without dialogue so as to be able to Expliccit to a universal audience, as there is no need to translate the comics for other markets. That's been the message of Lazarov's graphic novels in the years since, sex-positive, character-driven Expliicit novels of attractive men having sex.
Seeing as how the stories are without dialogue, MacIsaac has to deliver on the character ideas established by Lazarov, which he does beautifully.
He is a Explciit sequential artist who also excels at drawing the human form, which is obviously important when the comic is about people having sex. Sticky tells four short stories of men meeting up in different circumstances, like a cowboy dumped on a talk show ends comica going home with a security guard from the show.
Like League of Extraordinary Gentlementhe characters are all based on the ages that they would be presuming Explivit aged normally from the year that their story came out. So, for example, Alice conics much older Within these walls movie 2015 the other two.
So assembled, the three women tell erotic stories that are based on the comisc stories that each originated in, such as the very clever "shadow sex" that Wendy has with her husband in the book. They also have erotic encounters with other residents of the hotel.
Mioki's Side by Side: The Journal Expilcit a Small Town Boy is the story of two best friends, Rick and Evan, growing up in one of those prototypical toxic small towns where a gay kid like Rick is made to feel less-than for being gay.
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Product Marketing Manager, Trusted AI at DataRobot
Do you want to help machine learning be used responsibly? Have a passion for ethics and technology? Then join our growing team!
As a Product Marketer supporting our Trusted AI team, you will coordinate our outbound marketing activities helping DataRobot continue to be a thought leader in the responsible use of AI. You will be responsible for the organization and execution of marketing activities related to new features and AI software.
You should be familiar with enterprise software marketing techniques and multi-channel strategies. Your goal will be to develop and implement integrated marketing campaigns, aligning content creators and driving thoughtful and engaging AI discussions.
DataRobot delivers best-in-class enterprise AI solutions and this position will provide a unique opportunity to market a core component of our platform to increase trust in AI.
- Translate technical details into benefits for the user
- Analyze market trends to improve product positioning & messaging
- Develop a multi-channel marketing strategy informing stakeholders for DataRobot's robust Trust suite
- Collaborate with PR, Engineering, Data Science and other teams to execute a robust product marketing campaign aligned to corporate messaging
Main Requirements
- Proven experience as a Product Marketing Manager or similar role
- Experience in market and differentiation analysis
- Familiar with product marketing tactics (e.g. integrated marketing campaigns)
- Excellent communication and writing skills with a laser focus on quality
- BSc/BA in Marketing, Communications or similar field; MBA or equivalent experience preferred
- Strong quantitative skills, measuring the success of a campaign
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- Background in design and copywriting


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- Investors
- Financial Information
- SEC Filings
- Press Releases
- Board of Directors
- Annual Report
- Calendar & Presentations
- Corporate Governance
- Bondholder Relations
- Statutory Statements
- Tax Reporting
- Shareholder Services
- Historical Information
- Email Notifications
Press Release
F&G Announces Headquarter Relocation to 801 Grand
DES MOINES, Iowa, Jan. 6, 2020 /PRNewswire/ -- F&G Annuities and Life (NYSE: FG) ("the company" or "F&G"), a leading provider of annuities and life insurance, recently announced a plan to relocate the F&G headquarters to the 801 Grand office building in downtown Des Moines.
In the last two years, F&G has hired 58 people in 2018 and 94 in 2019. Of the 2019 hires, 45 were newly created positions. The company expects to maintain this growth as sales continue to grow above industry averages. This expansion rate caused F&G to outgrow their current space in Two Ruan Center.
F&G CEO Chris Blunt says, "As we continue to grow and diversify our business, we're committed to preserving F&G's collaborative culture and 'top workplace' status. Attracting top talent is our highest priority, and we're looking for good people who want to do good work. We plan to invest heavily in optimizing our new workspace to provide flexibility for a variety of workstyles."
The company intends to completely renovate several floors (approximately 83,000 square feet) and provide new furniture and technology components that support a variety of work and meeting settings. In preparation for this renovation and move, F&G has partnered with SHYFT Collective and Pigott to create a functional, scalable workspace.
Construction on the floors is said to begin in May 2020 with an anticipated move-in date in the fourth quarter of 2020.
About F&G
"F&G" is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. Guarantees are based on the claims paying ability of the issuing insurer, Fidelity & Guaranty Life Insurance Company, Des Moines, IA. | 20-0008
Investor Contact:
Jon Bayer
F&G Annuities and Life
Media Contact:
Renee Hamlen
F&G Annuities and Life
Related Links
View original content to download multimedia:http://www.prnewswire.com/news-releases/fg-announces-headquarter-relocation-to-801-grand-300980894.html
SOURCE Fidelity & Guaranty Life


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Youthscape offer a range of in-house training options for staff teams UK-wide. With a strong reputation of delivering highly professional training sessions, built upon tried and tested ideas and practice, we equip staff teams with both the confidence and skills to better support around the areas of self-harm and mental health.
Our in-house training is delivered by our team of highly trained youth work practitioners with extensive experience and qualifications. Our training is developed from our face-to-face work with students in Luton where as an organisation we have been offering support to local secondary schools and colleges on mental health and wellbeing for twenty-five years. All of our training material is built upon proven approaches, activities and experience of of our work with young people.
Specifically developed for groups of up to 25, Youthscape's courses are a combination of essential theory, practical activity and discussion, enabling every delegate to get involved.
All delegates receive a complimentary training pack, full of free resources, signposting materials and worksheets that can be used to run sessions with young people from assemblies to 1:1 work. Upon completion of the course, all delegates also receive a certificate of attendance. The courses available are listed below. To make an enquiry about in-house training, use this contact form, or email us.
Self-harm Essential Knowledge
As many as a fifth (22%) of teenage girls self-harm, whilst rates in boys are 9%. As a professional, it's increasingly likely that at some point you will be faced with a self-harm disclosure - but how would you respond? This course will give you the confidence and knowledge to offer the right support.
The rise in the numbers of young people harming is well documented but it's still a much-misunderstood issue. The first thing many people who self-harm will tell you is that self-harm is not the problem but an attempt to cope with overwhelming feelings, anxiety or emotional pain. It's often done in secret, with parents and friends unaware of what's happening. It can be addictive and dangerous – hospital admissions for self-harm have risen by 68% in the last decade. In this course you'll understand the different reasons why young people harm, what triggers them and how it affects the body and mind. You'll also discover how to respond when someone discloses that they're harming, and how to help them find different and safer ways of coping. We'll outline a range of support strategies and resources you can use in your own setting, and explain the different kinds of professional help available.
Self-harm Supporting and Equipping
Our 5-hour Self-harm Equipping and Supporting Workshop is ideal for those who want to a foundational understanding of self-harm along with developing the practical skills to run a support session with a young person, and develop a self-harm policy for their organisation.
This full day training programme begins by giving you a clear understanding of self-harm and young people: the causes, types of harm and triggers. You'll gain insights into the prevalence of self-harm across the UK and what kinds of interventions are being most effective. Building on this knowledge, this practical session will teach you how to work one-to-one with a young person. You'll learn how respond to their disclosure of harming, how to work with them to understand their feelings and what's causing their behaviour, and how to help them find alternative ways of coping to self-harm. The session also includes detailed guidance on how to develop a school-wide policy on self-harm that meets current legislation and good practice. Sample templates are included and there's advice about how to go about implementing a policy that's understood and used by all staff and students.
Emotional wellbeing and Resilience
Anxiety, self-harm and depression are all on the rise. How can we help young people develop the resilience to navigate the challenges of adolescence? This course will give you an overview of the mental health issues facing young people and the practical strategies to develop healthy wellbeing and resilience skills.
Doctors and psychologists describe this generation young people as the most physically safe, but emotionally fragile generation in history. Six times more children and young people in England have mental health conditions than a generation ago, according to a study published in the journal Psychological Medicine in 2018. With many services stretched to the limit, schools, youth workers and other professionals have a vital part to play in supporting young people's mental health. This course provides an overview of the latest research and key insights into understanding adolescent mental health and brain development. It will also teach you the techniques to develop and encourage healthy resilience skills in the young people you work with. The course includes a range of practical tools and resources that you can use in the classroom, small groups and working 1:1 with a young person.
Anxiety in Adolescence
As many as 1 in 6 young people struggle with anxiety and panic attacks, and the numbers are growing. This course introduces you to the causes and types of anxiety, its impact on a young person's life, and how to respond to and support a young person in your work as a professional.
There has been a sharp rise in the number of young people seeking help because of anxiety as they struggle to cope with the demands of modern life. Panic attacks in young people are something many school staff and youth workers have to deal with on a daily basis. This course will outline the different types of anxiety disorders, what causes them and how to recognise the symptoms in a young person. It will teach you how to deal with panic attacks and emergencies, as well as longer term strategies to help young people develop resilience. The course also covers the specific areas of exam-related anxiety and gives practical advice on anxiety about the transition from primary to secondary education.
Using Alumina with Young People
Are you working with young people who self-harm and wondering how you can practically help? If the answer is yes, then Alumina is a 6-week ground breaking support programme for young people who are struggling with self-harming behaviour. This course provides you with the skills and confidence to run Alumina in whatever setting you are working in.
Alumina is an interactive workbook based resource that can be used in a one to one or group setting to help young people better understand their self-harm, explore alternatives and take the first steps towards a place of recovery. The material is a balance of practical and reflective activities and provides each young person with a journal to track their individual journey.
More information
- Duration: 1.5-6 hours (twilight sessions available in some locations).
- Courses suitable for: All those working professionally with young people.
- Cost: Prices range from £250- £1500 depending on course location, duration and group size (price on application).
- Group size: All of our courses are designed for groups of up to 25, however we run a discount for groups of 15 or under.
- Equipment required: Access to projector / whiteboard and audio.
- Types of organisations who have accessed our training include schools (secondary, primary and SEN), colleges, universities, county councils, residential housing projects, youth organisations, pupil referral units, fostering agencies, Children Services, voluntary organisations and faith groups.


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Yesterday I went to the gym. I think I'll go back. I kind of liked it.
My re-commitment to health started back in December. I remember the afternoon I boldly walked into a neighborhood Gold's Gym and asked to sign myself and my daughter up for basic memberships. The facility was under construction and was not officially open. We signed the digital forms and issued payment. However due to computer connectivity issues, the forms were not accepted.
We patiently completed the process twice only to be undone once again by technical hurtles. At that point we left with intentions of coming back in a few days when the site's tech issues were solved. Yea, that didn't happen! Big Surprise.
What followed were a myriad of voicemail messages and texts urging me to complete the sign up process once more. Of course I ignored them. After all, the freak tech complications could only have been a sign of the greater power intervening in my life. Or, it could have just been that I was scared stiff and regretted ever stepping into the place to begin with.
Flash forward a month and it is now the first week in January and I am feeling guilty over my gluttonous holiday intake. During what I can only describe as a moment of sheer madness, I pick up my phone and frantically hit the call back icon on my voicemail message. A few minutes later I sit shuddering at what I had just done. Now there was no going back. I am officially, after all, now a gym member.


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Hannah pretends to like Jesse, so that Robby will be thankful of Jake. She decides to give him a chance, after Jake revealing feelings for her on live national TV. She also values her relationships with her best friends Lilly and Oliver. But Miley, showing what a kind friend she was, made a mini-Indiana Joannie movie, which made Lilly and Oliver forgive each other. This is almost certainly the movie that turned Kristen Stewart into a flaming lesbodyke as you can see in the lesbian sex photo below and really who could blame her, for riding cross-country with a couple of emasculated.. Kristen Stewart has a long and sorted sexual past in which she has been romantically linked to homoqueers, married men, and even lesbodykes.
Hot (Almost NUDE) Miley Cyrus Pics That Prove She's Body-Positive
The skier and golfer duo confirmed that the nude images were theirs and were taken before the two split in The duo confirmed the image, which showed the two naked, was taken before their split. Here's an example of a nearly nude photo she posted on her Instagram. Miley Cyrus naked in a Plastik Magazine shoot, Photo: In May, Woods was arrested after driving erratically. This is almost certainly the movie that turned Kristen Stewart into a flaming lesbodyke as you can see in the lesbian sex photo below and really who could blame her, for riding cross-country with a couple of emasculated.. This one's pretty self-explanatory Miley goes topless for Maxim Magazine Photo:
Maratta. Age: 26. In my early 20s, sophisticated,confident, friendly and easy going, beautiful and affectionate companion ! I can offer my companionship to mature men, who know how to appreciate the company of a sexy and discrete woman.
Celebrity Nude Photo Hack: Images of Miley Cyrus, Kristen Stewart, Tiger Woods and More Leak Online
Woods, 41, and Vonn, 32, split in May, It is good to see that Kristen Stewart has finally learned her place and has gone back to the kitchen were she belongs, but it appears as though old.. Despite all of the rumors saying that Miley and ex-fiance Liam Hemsworth are reportedly getting back together , it doesn't look like she's going to be slowing down anytime soon. We just pray the front and back thong leotard doesn't become a trend uh, ouch!
Tiger Woods, Lindsey Vonn's Stolen Nude Photos Removed From Website After Hack
Description: The photos were leaked Monday by a website which became notorious for such leaks in the past. Woods, 41, and Vonn, 32, split in May, Seyfried either in various states of nudity or intimate moments with her former boyfriend the 'Seyfried Photographs' have been reproduced and posted," Seyfried's lawyer told TMZ at the time. Kristen clearly also puts a lot of work into perfecting her.. Terry Richardson Here's another from her photo shoot with Terry Richardson.
Views: 4184 Date: 17.05.2015 Favorited: 5


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Access to Shared Mailboxes
771 comments
Sachitha Obeysekara commented
essential feature!
email@example.com commented
This is essential to office users who need frequent travels.
small business with multiple streams of information - this is a must have out of the box feature!
I need access to my team shared mailbox
Need an option to add shared mailbox which I can already see in desktop outlook and portal.
Being MOBILE-ONLY has no benefit if we can't access the information we need when we are on the go. Most everyone works on a team, we use shared calendars to keep each other updated, we need to see what's on the schedule when we are not in the office.
Important for corporate use
I have acces tot multiple (shared and normal) mailboxes in Office365. I can only use the primary mailbox and can't see the other ones.
Chris Risner commented
When sharing from another app (twitter) outlook shows up as an option but there is no text next to the icon kind there is for other apps.
This is essential and should be a high priority.
Fredrik Sjöberg commented
please make this possible!
Wey Shyong NEO commented
yes please include!
One of the beautiful things of the Outlook Web App is that it allows you to add a shared folder that you have access to through your account. However, this app doesn't offer such a thing. The OWA App does include that functionality, so this one should be similar.
agree, yes please
necessary for my job and my clients are all asking for this.
An option to add shared/group mailbox from my Exchange server
Rohit Paliwal commented
instead of showing emails from multiple mailboxes in a safe a single view, I would prefer seeing them all in separate mailboxes.
Shared mailboxes need to be visible and functional in the client. Since they have no username or password, you can't add them as a separate account. Currently I can find no way of accessing my shared mailboxes from the Android client so I cannot use Office 365 as I really need to.
yes please
Glenn commented
An essential function for many users - business and personal. Without it Outlook for Android is unusable. It's my #1 requirement and the only thing that is precluding me from using the product.


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Cleanse Your Skin Every Night
Every night, and I mean EVERY night, be sure to wash off all traces of makeup. If you don't, your skin will get dehydrated which leads to a dull, cracked looking complexion. Not thoroughly cleansing allows all the dirt and pollution that's settled on your face during the day to cause irreversible damage.
Your skin needs to breathe. Not washing your face – even if you don't wear makeup – allows bacteria to thrive creating clogged and enlarged pores, blackheads, and pimples. Leaving eye makeup on can result in premature aging, eye infections, and even weak eyelashes that get brittle and fall out.
Just using your hands is not enough – a soft wash cloth is better, (use only once, then toss in laundry) but the best method is to use a skin cleansing tool designed for the job.
Use Sunscreen Everyday
Sure, during fall and winter, less of our skin is exposed, so we're not applying SPF products to our arms and legs. However, our face, neck and hands are generally not covered, so don't neglect applying sunscreen on any bare areas. Even a quick walk to the subway, or your car, exposes your skin to damaging cancer causing and aging rays.
I recently spoke with NYC Dermatologist Dr. Josh Zeichnerwho said "Sunscreen has been known to reverse signs of aging. In a recent year long study, doing nothing more than applying sunscreen everyday improved all aspects of aging skin, including wrinkles, pigmentation and texture.
This is likely because protecting the skin allows it to heal itself. So make sunscreen a part of your daily regimen." Sunscreen comes in a variety of textures, formulas and at all prices, so no excuses!


text: Beyond Scholarships – Gift Ideas for College and H.S. Students to Get Organized and Manage Time Wisely by The Scholarship Workshop | General, Scholarships for Students and Adults - Finding Need a gift idea for your college student or high school student to help them with time management, scholarships, motivation or organization? Here are just a few that may work to help students manage time wisely and also help student achieve their goals! For Managing Time and Getting Organized BestSelf Co. SELF Journal: The Undated Daily Planner for Life, Goal, Agenda Setting and Habit Tracking The Scholarship Monthly Planner College Survival and Success Skills 101 BedShelfie The Original Bedside Shelf iwill CREATE PRO Laundry Backpack Tzowla Business Laptop Backpack Water Resistant Anti-Theft College Backpack with USB Charging Port and Lock The Best 384 Colleges, 2020 Edition: In-Depth Profiles & Ranking Lists to Help Find the Right College For You For Late Night and Morning Study Sessions CraveBox – Deluxe Care Package for College Students Hamilton Beach Breakfast Sandwich Maker Folding Lap Desk For the Student Scholarship Quest Winning Scholarships for College The Scholarship and College Essay Planning Kit Just for Student Fun or Focus Beats Solo3 Wireless On-Ear Headphones Sony WH-CH700N Wireless Bluetooth Noise Canceling Over the Ear Headphones with Alexa Voice Control Fitbit Versa 2 Health & Fitness Smartwatch The 5-Ingredient College Cookbook: Easy, Healthy Recipes for the Next Four Years & Beyond *Note: We participate in the Amazon Associates Program.