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One of the longest running debates in the field of investing is whether stocks are indeed long-run winners — a view most famously articulated by the Wharton School's Jeremy Siegel and his book Stocks for the Long Run — or the quite opposite notion, most associated with Boston University financial economist Zvi Bodie, that time does not lessen the risk of holding equities.
Siegel's argument implies that advisors should counsel clients to endure a portfolio's ups and downs for the long-term gain they can expect, while Bodie argues that the concept of "time diversification" violates bedrock economic theories that there is no free lunch and, further, that equities do not exhibit a decreasing likelihood of loss over time.
The idea has significant implications for financial advisors managing investor portfolios. Siegel has long advocated stock-heavy portfolios, while Bodie has frequently, and passionately, warned investors against taking unnecessary risks, advocating portfolios made up of inflation-protected savings bonds (I-bonds) or Treasury inflation-protected securities (TIPS).
Now a significant new study, based on a more complete data set, weighs in on the Siegel side, though not without some sympathy for Bodie's position.
The paper, called "Optimal Portfolios for the Long Run," is written by Morningstar's David Blanchett, Texas Tech University professor and Research Magazine contributor Michael Finke and The American College's Wade Pfau, and has already struck a chord in the world of academic finance, having been downloaded 850 times (as of this writing), though published for just a month.
ThinkAdvisor spoke about the new research with Michael Finke, in Austin, Texas, for the Retirement Income Industry Association's annual advisor conference.
In what way does your new study update Jeremy Siegel's extensive research on stocks for the long run?
Siegel just used U.S. data. One of the most compelling arguments against the concept of time diversification is that it's just data mining, and we have only a limited data set; and the U.S. might be different; it might be exceptional.
We looked at 20 countries and over 2,000 years of data collectively [that is, over 100 years of returns data for each country].
We estimated based on this big data set what the optimal portfolio should be given different time horizons. It's one of the most basic questions of portfolio construction, and it's amazingly understudied. And surprisingly there's little agreement among academics about whether [time diversification] exists. And the best argument about why it shouldn't exist is that it essentially gives long-run investors a free lunch. They get the higher return for less risk than short-run investors.
Economic theory, of course, says there is no such thing as a free lunch or everybody would line up for it. But you found otherwise?
The bizarre thing is if you have a 30-year time horizon, equities become less risky in terms of purchasing power than holding 1-year Treasury bills and rolling them over. So you're getting this huge premium, and you don't have to take any risk to earn it. That shouldn't happen.
It's not a 100% certain that time diversification is going to work — nobody knows what's going to happen in the future. The best we can do is gather as much data as possible and make forward-looking estimates as to what an optimal portfolio should be based on the most thorough possible analysis of backward-looking data.
Does your study factor in varying investor goals and risk tolerances?
We assume different levels of risk aversion and we estimate what an optimal portfolio should be for those different investors at different holding periods.
Your average investor is a short-term investor; the average turnover of an equity is a year.
We have evidence from another study we have done that investor risk tolerance changes during a recession, so people are less willing to take risk during a recession. That means that as equity prices fall, that creates volatility in the short run. But when the market recovers, all of a sudden people's appetite for risk increases and stocks go up. This creates short-term volatility but tends to be smoothed out over time.
What do your findings imply for financial advisors?
In essence, [time diversification] creates a free lunch for long-term investors and a source of value for advisors who can help clients maintain a risky portfolio.
And are there any other critical implications for academics and financial professionals?
Yes. If you believe in time diversification, you have to believe in market timing.
Stocks become less attractive in a bull market [when prices are high] and more attractive in a recession [when prices are low]. So sentiment is the backbone of time diversification; sentiment drives returns. If you look at risk tolerance tests given to investors, on average they're more risk averse when the stock market is declining.
What do you think economists like Zvi Bodie would make of these findings?
Zvi Bodie would say that if risk is priced fairly and if markets are efficient then [this time diversification benefit] shouldn't happen. You only get rewarded for taking real risk. But if markets are sentiment-driven, then you're getting something for nothing.
As an economist, you don't want to rely on any strategy that gives people a free lunch; if there is one, then everybody will take it.
And you found that long-term investors can be treated to a free lunch?
A certain percentage of the time, a long-term should lose out, but it happens so infrequently. One of the most interesting things we found is there has been a decline in the equity premium across the world, especially over the last 40 to 50 years; yet the time diversification benefit has been increasing during that time. So while it seems investors have become more risk tolerant in general, they haven't become less sentimental.
Meaning that they freak out and sell their portfolios?
So should advisors load their clients' portfolios with stocks or avoid doing so because they'll freak out?
Your average risk-averse worker is maybe not the ideal market participant to accept a lot of investment risk. If you think of the market as a way of allocating risk from those best able to bear risk and allocating safety to those who [most require] safety, then one would expect that a middle-class worker would not be among those best able to accept investment risk.
And if you believe in sentiment, then you may also have to recognize that these are among the workers most likely to move to cash during a recession.
But investors who have financial advisors and are more sophisticated are more likely to stick with [an equity-heavy portfolio].
The evidence suggests that you should tailor the equity allocation of a portfolio to the duration of the goal. But remember that nothing is ever certain.
You cannot portray risk as not risky, as Zvi Bodie [would affirm]. But it does appear that historically there has been a free lunch.
Check out these related stories on ThinkAdvisor:


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A famous faux commercial from "Saturday Night Live" has actor Sam Waterston as pitchman for Old Glory Insurance (see page two for video). Waterston, star of NBC's "Law & Order," warns of a dire threat plaguing the nation. He plays it so straight it isn't until the nature of the threat is revealed that the viewer understands the joke–robots are attacking the elderly.
"As a senior citizen, you're probably aware of the threat robots pose," Waterston deadpans. "Robots are everywhere, and they eat old people's medicine for fuel."
It's pretty amusing, especially against the backdrop of a low-tech, Gort-style 1950s robot smashing through an elderly couple's bedroom door to gobble their pills. But a slew of new research reports find the nation's retirees might not be so off base in their fears for the future. While not surprising, given the ongoing debate over retirement income and government benefits, the reports bring the increasing direness of the situation into stark relief.
A top-heavy workforce with fewer replacement workers is further saddled by credit card debt, according to "In the Red: Older Americans and Credit Card Debt" from AARP and Demos. It finds middle-income Americans age 50 and older carry more credit card debt, on average, than younger people. More worrisome, it's a reversal of the trend Dmos found in its 2008 survey.
But the report notes some good news. The 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act appears to have influenced the way consumers manage their credit card debt by helping them to pay down balances faster and avoid late fees and over-the-limit fees. This suggests that credit card debt among older Americans is primarily a reflection of difficult economic times, not a lack of personal financial responsibility.
The Employee Benefit Research Institute (EBRI) weighs in with two reports of concern for older Americans. The first finds their debt levels have spiked. Specifically, American families headed by individuals age 75 or older had increases in the incidence of debt, the average amount of debt held, and the percentage with debt payments greater than 40% of their income in 2010, the latest year in which numbers were available.
In contrast, families headed by those with ages just before normal retirement age (55–64) and just after (65–74) had very small changes in these debt measures and in some cases improvements.
In a separate report, EBRI found that although older Americans somehow avoid dipping into their savings, one-in-five outspend their income by a staggering 50% or more. Specifically, the report found that in 2009, 14.3% of households with members age 65 and older had spending that exceeded 175% of their household income, and 19.2% age 65 and older outspent their income by 50% or more.
The report also confirms earlier research that for all age groups above 65, Social Security remains the primary source of income. In 2009, households ages 65–74 and households with members age 85 or older received 54% and 66% of their total household incomes, respectively, from Social Security benefits. Income from pensions and annuities is the second-largest source of income for older households.
Finally, HSBC reports that when all is said and done, retirees will spend the last seven years of retirement in "pain" as their savings run out.
"The Future of Retirement: A New Reality," finds that Americans will, on average, run out of all funds beyond their state and occupational pensions some 14 years into retirement, thus leaving them potentially unprepared for additional living expenses in later retirement, such as funding long-term care.
The report also concludes that the average length of retirement internationally is now 18 years while the average retirement savings are expected to last for just 10. It predicts the situation is only likely to worsen as life expectancy continues to rise around the world.
Read Why So Many Americans Die Poor, and Other Big Retirement Questions: MIT's Poterba, by Gil Weinreich, on AdvisorOne.

subset: commoncrawl


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The nonprofit sector has responded with a mixture of both alarm and calls for action to the investigation that uncovered unsavory practices by the "50 worst" charities in America.
In the meantime, Oregon has become the first state to crack down on charities that fail to spend enough of their donors' contributions on mission.
Last month, the Tampa Bay Times and The Center for Investigative Reporting published a report identifying 501(c)(3) charities around the country that gulled donors by adopting popular causes or calling themselves names similar to those of well-known charities.
"The nation's 50 worst charities have paid their solicitors nearly $1 billion over the past 10 years that could have gone to charitable works," the report said.
Last week, The Chronicle of Philanthropy reported that only one major nonprofit group, the Association of Fundraising Professionals, had issued a statement about the investigation, and it seemed more critical of the reporters than what they uncovered.
The association said the organizations named in the exposé "are such extreme cases that they are not representative of what a typical charity looks like or how it operates."
The Chronicle reported that another organization, a startup called Charity Defense Council, had urged the investigative reporters "not to write a story based on overhead and fundraising ratios but to write a story based on impact."
After the article appeared, the group dismissed it for "clearly using a headline to grab readers," making it suspect from the start.
The Chronicle said several groups on the "50 worst" list had contested their rankings, while some not on the list had tried to put distance between themselves and the others.
On a more proactive note, Roger Craver, a direct-marketing expert, urged nonprofits to tackle the issue head on, according to the article. Remaining silent, he said, amounted to "nothing more—or less—than the collective turning of our backs on the donor."
And Doug White, a Columbia University philanthropy-ethics expert, proposed establishing a committee of nonprofit experts to clamp down on unethical practices.
Oregon Cracks Down
The Chronicle article noted that the "50 worst" investigation had shone light on regulatory gaps at the state level that could enable unethical or fraudulent behavior by charitable groups.
Now, Oregon has cracked down on charities that spend too little of their money on the mission.
Last month, the governor signed a bill that will eliminate state and local tax subsidies for nonprofits that spend more than 70% of donations over a three-year period on management and fundraising rather than programs and services, according to the Statesman Journal.
Donors to those charities will not be able to claim a state tax deduction, and the organizations will lose their local property tax exemptions.
The article said that the Oregon Department of Justice has identified a top 20 list of the "worst of the worst." These included a Michigan-based outfit that spent 2.7% on programs over the past three years.
"These organizations have found the business model of using a nonprofit as a cover for what's basically a telemarketing for-profit firm," the head of the Nonprofit Association of Oregon told the Statesman Journal.
Check out 10 Worst Charities in America on AdvisorOne.


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Some local roads will be affected by closures this month as DelDOT makes repairs to them.
Some local roads will be affected by closures this month as DelDOT makes repairs to them.
Constructions of the Route 7/ Newtown Road Improvement Project will require left turn restrictions both in and out of the Route 7/ Bear Christiana Road and School Bell Road intersection beginning 8 p.m. Jan. 28.
Travel lane closures may occur between 9 a.m. and 3 p.m., Monday through Friday, pending weather.
The turning movement restrictions, which will remain in effect for the duration of the project, are necessary due to the removal of an existing raised concrete median along Route 7/Bear Christiana Road which currently allows for a two-stage left turn movement from westbound School Bell Road to southbound Route 7/Bear Christiana Road.
The $5.9 million project improvements being made include constructing a storm water management pong, relocating water, gas and sewer lines, placing drainage pipes, inlets and under drain pipe systems, and constructing a curb, gutter, and side walk.
There will also be the construction of a mechanically stabilized earth wall, and the milling and reconstruction of roadway.


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Mini Girotondo
COD: AKK79 - photo frame
Designer: King-Kong
Designed by King-Kong (S. Giovannoni – G.Venturini).
photo frame in 18/10 stainless steel mirror polished.
Item code: AKK79
Length (cm): 13.00
Width (cm): 11.00
*May 2020 Update: Please note that as our store is currently closed we are only dispatching orders on a Thursday for the next few weeks. Please contact us by email email@example.com if you wish to discuss any specific requests for delivery.*
We will endeavour to process orders on the same day if ordered by 2pm. For special postage requests, destinations or general help please email us first.
Standard postage and packing costs for UK delivery (except the Isle of Man and the Channel Islands) are free of charge for none bulky items with a total order value over £50
UK Orders - All watches and Faberge items purchased from our website will be sent out by Royal Mail Next Day Delivery - This service is fully tracked and insurance is included.
Other orders will be sent via Royal Mail Signed Delivery
For all orders overseas please email us for more details at firstname.lastname@example.com
We operate a 14 day no quibble returns policy as long as the item is returned in original packaging and in perfect condition. Please contact us before returning any item. Buyers returning items are responsible for return postage, please see our full returns conditions by clicking the link Delivery & Returns under Customer Care


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Phthalates is an ingredient found in many beauty and personal care products, most notably as a carrier for fragrance ingredients. Under current FDA labeling regulations, this ingredient can often be labelled just as "Fragrance", although it is major component in the composition of the product. In other products, it is listed, but as an acronym which makes it harder to identify.
For the latest update on Phthalates, click here: Cosmetic Ingredient Linked to Health Problems, ADHD.
Below is a list of common names for the phthalates found in personal care products:
|Phthlate Name
|Common Usage
|BzBP or
benzylbutyl phthalate
|vinyl flooring, car-care products, and personal care products
|DBP or
di-n-butyl phthalate
|in nail polish and other personal care products
or diethyl phthalate
|personal care products, such as deodorants, perfume, cologne, aftershave lotion, shampoo, hair gel, hand lotion
Animal-based studies of phthalates have found that the synthetic chemicals can harm reproductive system development, and studies in humans have found that prenatal exposure or exposure through breast milk can alter hormone concentrations.
A recent study was carried out by researchers on 163 babies and toddlers in the Pacific Northwest at the University of Washington and Seattle Children's Hospital Research Institute, and was published in the journal Pediatrics. The study's lead author, Sheela Sathyanarayana, an acting assistant professor of pediatrics, said, "We found that infant exposure to phthalates is widespread, and that exposure to personal care products applied onto the skin may be an important source."
"This is troubling, because phthalate exposure in early childhood has been associated with altered hormone concentrations as well as increased allergies, runny nose, and eczema. Babies may be more at risk than children or adults because their reproductive, endocrine, and immune systems are still developing."
The study recommended that parents, who want to decrease their baby's exposure to phthalates, should limit the amount of baby care products used on the infant, and apply lotions or powders only if medically indicated.
Babies recently treated with infant personal care products such as lotion, shampoo, and powder, were more likely to have phthalates in their urine than other babies.
Researchers found that the use of baby powder, lotion, and shampoo were each strongly associated with higher phthalate levels in the urine. Babies, who were 8 months old or younger, had stronger associations between product use and phthalate concentrations, as did babies whose mothers used more infant personal care products.
Europeans, taking a 'better safe than sorry' approach, have banned phthalates from personal care products. This is not the case with US made products.


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Anypoint Platform Architecture: Application Networks on Jul 15 Australian Eastern Time
Anypoint Platform Architecture: Application Networks
Wed, Jul 15
AEST — Australian Eastern Time
To register for this class please click "Register" below. If you are registering for someone else please check "This is for someone else". Registrations will close on: Tuesday, July 14, 2020 7:00 PM AEST.
The training is priced from $ 3750.00 USD per participant
Not a date that works for you? View the complete schedule.
When is this training taking place?
This class is scheduled to run over the following day(s):
Wednesday, July 15, 2020 10:00 AM - 6:00 PM
Thursday, July 16, 2020 10:00 AM - 6:00 PM
Friday, July 17, 2020 10:00 AM - 6:00 PM
All times are based on the following time-zone: Australian Eastern Standard Time (New South Wales)
Is this class confirmed to run?
This class is not yet confirmed to run. It is awaiting additional registrations - your registration can help confirm it. If there are no registrations two weeks prior to the event, this class will be removed from the schedule.
Frequently asked questions
Where is this training taking place?
This training is taking place in Australian Eastern Time.
Sydney, NSW
This training location offers the following features:
- Use Your Own Computer
- Live Online Remote Attendance
What is the maximum class size?
This class allows up to 12 participants.
In general, we strive to have an optimal class size, such that:
- Instructor(s) can provide adequate attention to participants' questions and concerns as well as assist with the lab-work.
- There are enough participants in the class to create an engaging group-dynamic, which facilitates learning.


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Rubber axial seal for water pump
Axial seals made of rubber material provide the possibilities to reduce the number of components, the axial spaces, very easy assembly operation. The flexibility of the rubber gives the possibilities to use different geometry reducing space. The axial lip design is able to absorb misalignment and axial run out.
The rubber for this kind of application is low friction.


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|Homologous recombination - Candidatus Baumannia cicadellinicola B-GSS
|Homologous recombination (HR) is essential for the accurate repair of DNA double-strand breaks (DSBs), potentially lethal lesions. HR takes place in the late S-G2 phase of the cell cycle and involves the generation of a single-stranded region of DNA, followed by strand invasion, formation of a Holliday junction, DNA synthesis using the intact strand as a template, branch migration and resolution. It is investigated that RecA/Rad51 family proteins play a central role. The breast cancer susceptibility protein Brca2 and the RecQ helicase BLM (Bloom syndrome mutated) are tumor suppressors that maintain genome integrity, at least in part, through HR.


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@Carlsberg did names for wine they would probably be the best names in the world Carlsberg GrapefulDead"/>
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I'm A Ninja. You know, Ninja Stars, Ninja Nunchucks, all that sort of good stuff. I'm dispensing truth and justice Ninja Style.....in a very civilised and non-litigious kind of way. Unless you make the Ninja angry, then KARATE-CHOP! Fine, fine. I'm not a Ninja. I'm Brian Conroy, Trademark Agent and Solicitor in Dublin Ireland. Find me (in non Ninja form) at www.brianconroy.com
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Women are increasingly important players in American philanthropy—as leaders of charities and decision makers in their families' giving strategies.
Now, a newly endowed chair at the Indiana University School of Philanthropy will focus research on women's role in giving, volunteering and leadership of philanthropic organizations.
The university announced last week that the school had received an endowment gift from Houston philanthropists Maureen and Jim Hackett to establish the Eileen Lamb O'Gara Chair in Women's Philanthropy.
Maureen Hackett currently leads the school's board of visitors. The endowed chair is named after her mother, described in a statement as an entrepreneurial businesswoman who helped and cared for others.
The endowed chair is the first of its kind in the country, according to the statement. Its holder will conduct research on women's philanthropy and on gender differences in philanthropy, translate research into improvements in philanthropic practices and develop academic courses in the School of Philanthropy.
The Hacketts' charitable giving focuses on mental health care advocacy, children's health and Catholic education, among other causes, the statement said.
Maureen Hackett is an active board member or advisory board member for several charities around the country. Jim Hackett also serves as a volunteer leader of several nonprofit boards. He is executive chairman of Anadarko Petroleum Corp.'s board and former board chairman of the Federal Reserve Bank of Dallas.
The Hacketts' gift is the first chair to be endowed at the School of Philanthropy during the recently announced public phase of its Moving Philanthropy Forward $100 million special endowment initiative.
The initiative seeks support for endowed faculty chairs, student scholarships, research and training programs for philanthropy and nonprofit professionals. To date, the school has received some $71 million in gifts and pledges, including the Hacketts' gift, the statement said.


text: Friday, July 22, 2011 New Journal to Focus on Virtual Reality and Game Technology in Health Care Games for Health: Research, Development, and Clinical Applications (G4H), a new, peer-reviewed journal dedicated to the development, use, and applications of game technology for improving physical and mental health and well-being, will begin bi-monthly publication this fall. According to publisher Mary Ann Liebert Inc, the journal breaks new ground as the first to address this emerging, widely recognized, and increasingly adopted area of health care. Forthcoming articles for early issues of G4H include research on the effectiveness and design strategies of games intended to develop the social skills of people with conditions such as autism, exergames aimed at motivating more activity in physical education classes, and an alternate realty game designed to increase physical activity. Click here to read an article posted yesterday in News Now on virtual reality applications for people with stroke.


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You are about to leave nasafcu.comThe web site you have selected is an external site that is not operated by NASA Federal Credit Union. NASA Federal Credit Union has no responsibility for any external web site information, content, presentation or accuracy. External web sites may have privacy and security policies that differ from those at NASA Federal Credit Union.
NASA Federal Credit Union makes no warranty, express or implied, regarding any external site nor is the Credit Union liable for transactions you enter into with any third parties.


text: Thursday, September 27, 2012 Components: Nominate Your Innovators Today APTA's Innovation Summit 2013: Collaborative Care Models will bring together innovators and thought leaders from physical therapy, health policy, payment, and other health professions to explore the role of physical therapists in new models of health care delivery and payment. Participation in the summit will be available to all members through live web streaming. Attendance onsite will be limited to speakers, panelists, and invited attendees, including the member innovators selected through this nomination process. APTA sections, chapters, and the Student Assembly are each invited to nominate a member who is involved in an innovative model of care to attend and participate in the Summit, to be held March 7-8, 2013, in the Washington, DC area. A panel of member experts will select 20 member innovators to share their practice models as a part of the Summit. Those selected will receive free registration and a stipend for travel and lodging expenses. Chapters and sections whose nominees are selected will receive special recognition during the Summit. The deadline for nominations is Monday, October 22. More information about the Summit is available at www.apta.org/innovationsummit. Components can direct questions about the nomination process to firstname.lastname@example.com.


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While many of the items in this catalog section of our website are on display in our store and in stock, many are available by special order. Please contact us for availability and pricing information .
View recently taken pictures of nearly all the items on display in our store.
Surya's best selling creations have been infused with possibilities as the Caesar collection takes on new life. Designer color combinations including deep browns, charcoal gray, and muted red make these time-honored pieces suitable for any interior.
The Caesar 2'6" x 8' by Surya is available in the area from FMG - Local Home Furnishing.
Browse other items in the Caesar collection from FMG - Local Home Furnishing in the area.


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06 September, 2012
How I Came to U2I was watching TV in 1985 and "Live at Red Rocks" came on. I was blown away by the bands sound. I went out, bought the cassette and U2 has been my #1 rock group since.
01 September, 2012
"Live is where we live."It's been said by each member of the band at one point, but here is the earliest evidence -- U2's first live EP, released at the tail end of 1983 on the heels of the successful War tour, proved that U2 was a force to be reckoned with. Larry's thundering drums echo through "Gloria," the fiery opening track, all but daring the audience to ignore the band. Each member of the band has their moment to shine (including, yes, Edge's famous screw-up during "Party Girl", leading to Bono's playful "Guitar hero!" acclamation), but Adam Clayton truly shines on this record, playing with a swagger and confidence not previously highlighted on studio recordings. "Gloria" belongs to him -- his popping bass solo given a new prominence in this new remastered edition. Elsewhere, "Sunday Bloody Sunday" is given a subtle duck-and-punch thanks to his in-and-out basslines that emphasize dramatic moments (particularly in the coda, when the rest of the band wait for his crescendo note before crashing back into the chorus). Overall, this remaster allows a band that has always lived live to fully take flight.


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Phone – 888.424.3336
Email – firstname.lastname@example.com
701 Tecumseh Road
Clinton, Michigan 49236
Ditalini means 'little thimbles.' Ribbed, short tube pasta that is traditional in Italian minestrone soup. U.S.A. high plains organic Khorasan (kamut®) wheat is an ancient grain recently revived. It's large gold kernels make superior whole grain pasta that is sweet and smooth. Many sensitive to modern wheat enjoy kamut. Crafted at the Eden Organic Pasta Company on vintage Italian equipment with brass dies and slowly air dried. It provides 50mg of omega 3 essential fatty acids (EFAs) per serving. Rich in healthy fiber, protein, and magnesium. A good source of iron, thiamin B1, niacin B3, and zinc. Ideal for soups, salads, and baked casseroles. Packaged in a reclosable, recycled and recyclable box with a tasty recipe and its photo on the back.
* See Detailed Description for approved FDA Health Claim
Eden Organic Kamut Ditalini is a 100 percent whole grain pasta that provides essential whole grain nourishment from 100 percent organic whole grain Khorasan wheat. This ancient grain provides a powerhouse of nutrients, delicious texture and flavor. These short, ribbed tubes are versatile and fun to eat. Ditalini means 'little thimbles' in Italian.
Eden Organic Kamut Ditalini is small batch crafted at the Eden Organic Pasta Company, a Detroit landmark employing traditional pasta making techniques and vintage Italian equipment since 1923. The Eden Organic Pasta Company was the first food production facility in North America to be third party certified organic. The organic Khorasan flour is Eden milled at our AIB rated Superior, Clinton, Michigan mill. The flour is mixed with purified water and thoroughly kneaded into dough. Using a traditional rotating screw press, the dough is extruded through an artisan brass ditalini (small tube shaped) die, cut into individual short tubes, and spread on drying racks. A patient drying process using steam and air finishes the pasta perfectly. Ditalini spend about 16 hours in the final drying room. Each step helps to create pasta of exceptional flavor, texture, and character. The pasta is packaged in a reclosable box, with a delicious recipe and photo from Eden's kitchen printed on the back.
All Eden Organic Pasta is packaged in boxes made from recycled and recyclable paperboard, one of the most environmentally friendly packages available. According to the 100 percent Recycled Paperboard Alliance (RPA100.com), "Fourteen trees are saved for each ton of paperboard converted to 100 percent recycled paperboard. Trees are critical to the sequestration of CO2 (a greenhouse gas) in North America. For each ton of paperboard converted to 100 percent recycled paperboard, an equal amount of recovered fiber has been diverted from municipal landfills. Production of 100 percent recycled paperboard uses 50 percent less energy compared to virgin grades of paperboard, thus significantly reducing the greenhouse gases released into the environment."
Khorasan Triticum turgidum spp. turanicum is an ancient grain with large golden kernels native to Asia Minor and Egypt, often referred to as 'King Tut's' wheat. It is closely related to the ancient grain spelt, and is a distant relative of durum wheat. Its plump golden kernels, called 'berries', are three times the size of modern wheat. Khorasan was introduced to America by an organic farmer in Montana in the 1940s. It is a rare non hybridized grain that offers the highest protein of any wheat. Khorasan's protein structure (gluten) is highly water soluble, and many people with intolerance to modern wheat find that they can thoroughly enjoy Khorasan.
Whole grain is the heart of a healthy diet providing the broadest spectrum of nutrients in the proportions that we need to grow and thrive. Commercial pasta is made from highly refined, chemically treated flour, processed in minutes through Teflon dies and ultra high heat or microwave drying that results in inferior flavor, diminished nutrition, poor cooking quality, and questionable value. A much better choice is Eden Organic Pasta with whole grain nourishment to enhance energy and promote healthy weight and blood sugar levels.
Scientists at the USDA Human Nutrition Research Center at Tufts University say, "Whole grains help regulate blood sugar by slowing down the conversion of complex carbohydrates into sugar. In fact, low-glycemic index foods such as whole grains reduce hunger and can help to control weight." Scientists at the Agriculture Research Service completed a study of more than 2,000 people concluding, "at least three or more servings of whole grain foods everyday could reduce the chances of developing metabolic syndrome - a condition marked by a combination of abdominal obesity, high blood pressure, poor blood sugar control, low HDL 'good' cholesterol and high blood fats."
According to the FDA, "Diets rich in whole grain foods and other plant foods and low in total fat, saturated fat, and cholesterol may reduce the risk of heart disease and some cancers." Also, "Low fat diets rich in fiber-containing grain products, fruits, and vegetables may reduce the risk of some types of cancer, a disease associated with many factors. Eden Organic Kamut Ditalini is 100 percent whole grain, low fat, low saturated fat, cholesterol free, and rich in dietary fiber. Furthermore, "Diets low in sodium may reduce the risk of hypertension or high blood pressure, a disease associated with many factors." Eden Organic Kamut Ditalini is made with no salt added and is sodium free. It is an excellent source of protein and magnesium, and a good source of good carbohydrate, iron, thiamin (vitamin B1), niacin (B3), and zinc.
When you bite into Eden Organic Pasta, the flavor and character of the grain is evident. Unlike commercial pasta it holds its texture without becoming mushy, and does not cause sleep inducing carbohydrate overload. Eden Organic Pasta is made from fresh, unbleached, non enriched flour. It doesn't need to be enriched because the grain has not been stripped of its nutrients. Eden Organic Pasta enhances energy, balance, clarity, and well being.
Eden Organic Kamut Ditalini is an excellent choice for baked casseroles, soups, stir fries, and pasta salad, and with any of your favorite sauces. For the recipe on the back of the package, Kamut Ditalini and Bean Salad, visit www.edenpasta.com.
|Kamut® Ditalini, Organic, 100% Whole Grain
|Item Number
|Organic Whole Grain Kamut Wheat
|Case Quantity
|Package Size
|12 oz
|Package Size Metric
|340 g
|UPC Code Each
|UPC Code Case
|Eligible for Flat Rate Shipping
|Sodium Free
|Yes, less than 5 mg per serving
|High Fiber
|Yes, 5 g or more per serving (20% or more DV)
|Heart Healthy
|Low Fat
|Yes, 3 g or less per serving
|Non GMO


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Bryant Park Kubb
Tuesday, May 13, 2014
11:00 a.m.–7:00 p.m.
This event repeats every day between 5/1/2014 and 9/30/2014.
Please note: This event has already taken place. Please use the Search options on the right to find upcoming events.
Learn the Scandinavian lawn game, also known as Viking Chess. To win, knock over your opponent's blocks with wooden pins. Never played? Our attendant will teach you.
Southwest corner of the park, near 6th Avenue.
Event Organizer
Contact Number
(212) 768-4242


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Propeller nuts and sleeves
Traditionally, ship propellers are mounted on a tapered shaft end with a nut and key. The torque is transmitted through friction of the mating surfaces and the key performs a stand-by function if the friction is insufficient.
On mounting, the propeller is driven up the taper by heating the propeller hub and driving in keys between the nut and the hub, or by using a hydraulic press or even flogging the nut to achieve the required axial drive up.
All these methods are time consuming and difficult to manage due to the large forces required. For large propellers the methods are unacceptable.
These conventional methods are especially troublesome when dismounting propellers from shafts.
Withdrawal forces are large and fretting damage often occurs on the contact surfaces. Due to the large forces, withdrawal tools are often bulky, expensive and difficult to handle. The dismounting process is therefore very time consuming.
The SKF oil injection method
Combined with a hydraulic ring or nut from SKF, the SKF oil injection method solves all these problems and simultaneously eliminates the use of keys and keyways.
Accepted by all leading societies
This method is fully accepted by all the worlds leading classification societies and hundreds of references for all types of vessels are available.


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A San Francisco activist, a local attorney, and the American Civil Liberties Union (ACLU) of Northern California collectively filed a civil lawsuit Wednesday against the City and County of San Francisco and its police chief, alleging that the activist's rights were violated when a police officer warrantlessly searched his cellphone at the time of his arrest in January 2012.
Bob Offer-Westort of the Coalition on Homelessness, says in court documents that the suit stems from an incident where he was non-violently engaging in civil disobedience to protest a new city ordinance that made it illegal to camp in public places without permission. A spokesperson for the San Francisco Police Department said that the department does not comment on ongoing lawsuits.
The court documents, filed this week, charge San Francisco and its police department with violating Offer-Westort's privacy, conducting an unlawful search and seizure, and violating his free speech under the United States Constitution and the California Constitution, among other allegations.
The ACLU claims that this is the first "civil suit in California to challenge warrantless cell phone searches at arrest." In 2011, the California Supreme Court ruled in the case of People v. Diaz that arrestees' phones can be searched without violating the United States Constitution.
"This suit brings a challenge under the California Constitution's stronger guarantees of privacy and freedom from unreasonable search and seizure, as well as a challenge under the U.S. and California Constitutions' guarantees of freedom of speech and association," the ACLU wrote in a statement.
"Looking for text messages—how do you feel about that?"
On January 27, 2012, Offer-Westort pitched a tent in Jane Warner Plaza in the city's Castro district. Inside that tent, he placed a sleeping bag, and he sat at the tent's entrance with his mobile phone—an LG GU295, a slider phone—in his pants pocket. After some time, two San Francisco Police Department officers approached Offer-Westort and told him that his presence there violated the city's penal code. The activist declined to move, and he was promptly arrested and taken to a police station.
After his arrest, but before his formal booking, the officer named in the documents as "Officer Chambers," conducted a search of Offer-Westort's phone. The plaintiff recounts what happened next in his court filing:
Offer-Westort was nervous about the police looking through his text messages because he had recently sent text message that included negative comments about a local politician and that he intended to relay exclusively to the message's recipient but otherwise to keep private; if this text message were made public it could adversely affect his ability to work with this politician and with other politicians.
Offer-Westort was therefore extremely concerned about the government reading his private text message about [the] politician; Offer-Westort asked Officer Chambers what he was doing [and] Officer Chambers stated something to the effect of: "Looking for text messages—how do you feel about that?"
Offer-Westort objected to the search, stating, "I don't give you consent."
Officer Chambers did not cease the search upon Offer-Westort's objection, instead responding with statement to the effect of: "The California Supreme Court gives me the right after I arrest you."
Officer Chambers continued with his search of Offer-Westort's cell phone, reading many of Offer-Westons text messages and relaying their contents to him, including three text messages Offer-Westort had not yet read himself as they had been received after he was arrested; Officer Chambers then left Offer-Westort handcuffed in the waiting room and continued his search of Offer-Westort's cell phone. At least twice over the next two hours Offer-Weston could see Officer Chambers in other parts of the station either scrolling through his cell phone or holding his cell phone.
In the course of the warrantless search of Offer-Westort's cell phone Officer Chambers read messages authored by individuals other than Offer-Westort who had not been arrested and messages that were unrelated to the crime for which Offer-Westort was arrested.
The City and County of San Francisco has yet to respond to the lawsuit.


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Its easy as adults to do the same old, same old. But its way more fun to always be learning and trying new things.
So when I heard Judy Hook was organizing a program of readings by the journalist Studs Terkel as part of the Spoken Word Series, I said count me in. The occasion was the 100th anniversary of his birth.
Im going to admit to almost complete ignorance when it comes to Terkel. I know the bare minimum he won the Pulitzer Prize for general nonfiction in 1985 for his magnum opus, The Good War: An Oral History of World War II. Ive read about his skill in conveying the stories of the American everyman, and that his long-running radio program 45 years in Chicago was quite popular.
But I dont recall ever actually reading any of his work. And where did the name Studs come from anyway? The New York Times answered that question for me in Terkels obituary in 2008, when the Listener to Americans died at the august age of 96.
In the late 1930s, he dropped his given name, Louis, and adopted Studs from another colorful character from the Windy City, James T. Farrells fictional Studs Lonigan, a scrappy Irish kid who learns he cant out-tough the Depression. Did I mention Terkel was pursuing an acting career at the time after earning degrees in philosophy and law from the University of Chicago.
Hook pulled six readings, three from The Great Divide: Second Thoughts on the American Dream from 1988 and three from Hope Dies Last: Keeping the Faith in Difficult Times from 2003. She created a wonderful arc of storytelling and beautifully cast the roles in a presentation that did Terkel proud.
Dennis Aronson read the interview with Robert Frank, who taught a class called Science and Society at the University of Arkansas. Frank talked about the challenges of teaching the concept of a science as a journey of discovery and process to students who come from a Christian fundamentalist background and have done much of their learning at church and at home.
They assume everyone should hold these truths, he said. They think science is facts to memorize. We read On the Origin of Species, which can be a turning point because Charles Darwin is logical, so gentle, its hard to get mad at him, which is what makes the book so diabolical.
Dr. Quentin Young, the chairman of medicine of Cook County Hospital in Chicago from 1972 to 1981, (where the TV show E.R. was set), and the founder of the Health & Medicine Policy Research Group, was also Terkels personal physician, and he had a lot to say about making American medicine a giant for-profit machine. Jeff Deitch was challenged to convey Youngs outrage.
If someone comes in who can be moved safely, or perhaps not so safely, to a public hospital from a privately owned one, it can save the hospital from $10,000 to $20,000 if the patient doesnt have resources such as insurance.
Physicians are told its the same as a gift from a major donor to get rid of the patient, Young said. Its social Darwinism. How different is this than the Nazi program to get rid of undesirables?
Anyone who thinks the golden years are, well, golden, should meet Maggie Kuhn. After the Presbyterian Church forced her to retire at 65, she founded the Gray Panthers, a human-rights organization that also mobilized a lot of young people. Judith Reynolds was clearly in sync with Kuhns philosophy that seniors are one of our countrys untapped resources.
The life cycle has lengthened every decade, Kuhn told Terkel, but we have been seeing retirement happening earlier. Old people get 15 to 20 percent off, I call that Novocain, given instead of good pension plans. Theyve created a contrived conflict between old and young generations.
Dwight Burgess as Adolph Kiefer reminisced about his experience of winning the gold medal in the 100-yard backstroke in the 1936 Olympics and meeting another Adolf, Herr Hitler, that is.
He told me I was the model of Aryan purity, Kiefer said, adding that Jesse Owens was his friend. If Id known what he was going to do, I would have drowned him in the swimming pool!
Lest you think Terkel only interviewed the notables in our society, Hook also selected an interview with Liliana Lineres, who emigrated from Peru with her husband, a policeman who was given asylum in the U.S. after being threatened by domestic terrorism. Susana Jones did a masterful job of portraying the part time janitor at Harvard University.
The important thing is to keep on and live, she said. Its important not to be the kind of person who just works and doesnt want to learn.
And Katherine Burgess brought it home with her portrayal of Linda Stout, the executive director of the Peace Development Fund at the time of her interview with Terkel. She went on to found Spirit in Action, which she now leads. But dont let the titles and accomplishments fool you. She grew up poor in North Carolina, and her Quaker roots shes a 13th generation Quaker taught her to speak up for her beliefs that being poor doesnt mean people are ignorant or deserve to live in squalor.
I went to speak at a conference, and I was afraid that people wouldnt hear me because my grammar isnt perfect, Burgess read. But they heard me because I spoke from my heart. A gentleman standing next to me said, Im honored to be on stage with you. It was John Kenneth Galbraith.
I constantly hear from young people that its so expensive to live here, theres nothing to do, yada yada ... So where were yall Monday night, when you could have enjoyed an engrossing hour from an author Im sure you know nothing about, then left for an equally engaging discussion with your friends over coffee?
Hook hasnt scheduled the next Spoken Word event yet, so keep your eyes peeled for announcements at the library, online or in The Durango Herald.
There were a lot of great lines I could have ended this item with, but I chose one of Terkels quotes from a time when he was the interviewee.
I dont have to stay curious, I am curious, about all of it, all the time, he said. Curiosity never killed this cat thats what Id like as my epitaph.
Happy Sagittarius birthday wishes go to Gary Penington, Shiann Homer, Darryl Hunt, Karen Siegrist, Allison Epstein, Nancy Loftis, Kathie Hudson, Cindy Atchison, Brandon Engle, Shane Minerich, Ray Schamel, Tyler Wood, Mary Downey, Kristen Dugan, Diane Higgins, Amanda Preston-Araujo, Ernie Shock, Tierney Skahill, Tyler Wood, Isabel Gray, Caroline Tidwell, Elise Tidwell, Len Hahl, Nancy Shipps, Ian Junkermann, Barbara Elliott, Tabitha Heckman, David Kolb, Amy McClellan and Izzi Lockhart (101!).
The weather is going to be so nice this weekend, I hope theres a good turnout for A Brotherhood Active Towards Education of Colorado District 8s 20th annual Toy Run on Sunday.
It will take off from the Fun Center, 29603 U.S. Highway 160 in Grandview. The center opens at 9 a.m., and at 10 a.m. coffee and doughnuts will be served.
At 11 a.m., the motorcycles will take off, arriving at the Veterans of Foreign Wars Post 4031, 1550 Main Ave., for chili, giveaways and a small silent auction at noon. Windwolf Productions will add to the festivities with some live music. All it takes to join the fun is a toy worth $10 or more or a $10 cash donation.
Lou Cundiff from ABATE tells me that last year, the event made a donation to Project Merry Christmas of $2,000 as well as delivering a whole bunch of toys.
It seems like the 20th outing should be an occasion to beat all previous records and make Christmas a lot happier for many La Plata County kids.
Be safe out there.
Gearing up for the holidays for their anniversaries are Bill and Susan Hermesman, Scott and CeCe Sallee, Hal and Vivian Emrich, Bob and Linda Gramera, Dan and Mary Howell and Wayne and Vicki Hose.


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Pewter cocktail spoon
Pewter in ancient times
This silvery grey metal is chiefly derived from cassiterite (which takes its name from the Isles Cassiteriti, thought to be the Isles of Scilly, southwest Cornwall).
Tin is mainly found in underground ore deposits, tied together with other minerals, but it is also found in sand as placer deposits.
As native element, tin is rare. It is said to be first extracted in Central Asia. The extraction of it in south-west Britannia was described by Diodoro, Caesar's contemporary : "Miles and miles of galleries under the sea, and above, on miners' heads, waves roared"
In this highland areas tin was extracted under the open sky. The metal was melted on the spot in order to be directed to Marseille, Bruges and Köln through the Channel.
Depending on their personal skills, some started to work wood, others became blacksmiths. Soon the farmer became a proper craftsman.
The exploitation of tin mines led to a new profession: the caster.
The art of casters soon got respect and consideration: the traineeship lasted from 3 to 8 years and it was particularly hard. If the trainee held up this period, the Master charged him with a test before living him any kind of qualification. Two older men were at the head of the workers.
It took many years to get all the necessary skills to become a caster. Once become a Master he should be subjected to strict rules. The objects he should produce during the exam were usually wine jug, bowls and ampoules.
Manufacturing process
During the first phase the items is conceived and the technical drawing is realized. Our artisan creates the prototype by hand and after its final approval, we make the production mould. The pewter alloy is formed by melting the metal ingots into the melting pot at the temperature of about 300°C. Whilst the mould is rotating rapidly on the turntable of the centrifugal machine, molten pewter is ladled into the central orifice and is forced by centrifugal force through the runways into the mould cavities. After few minutes the metal cools and solidifies and the as-cast is formed.
The mould is then opened, the casting prised and the spures removed with a strong wire cutter. Subsequently the quality of the metal is brought out by a series of buffing and polishing operations.
Many items are made up of several parts e.g. a pitcher is made up of a "body", a base and an handle and a candleholder is made up of a shaft, branches and a base. It is therefore necessary to join each part to the other by soft soldering.
The surface of the item is smoothed and brightened by putting it into a vibrating tank filled with chips (abrasive inserts). Item is then checked and straightened with special hammers.
Depending on the taste of the customer, we now give the object its final appearance. This can be highly reflective or mat and those looks can be achieved by buffing and polishing (for the first one) or by immersion in a colouring solution and then cleaned with a soft cloth (for the second one).
The item is now checked once again and accurately packed.
Use and maintanance
Pewter does not tarnish and the appearance and finish is unchanged over time without the need for regular polishing. Pewter requires very little attention to be kept in an excellent condition:
- Indeed all that is needed is a careful dusting and periodic washing with lukewarm soapy water . The articles should then be dried with a soft cloth.
- If marks do appear, due for example to contact with fruit, then we would recommend a polish with the kind of products more normally used to clean silver. The brand names of such cleaning products vary between - territory but for example include "Sidol", "Duraglit" or "Argentil".
- Pewter has a relatively low point of fusion and therefore items should not be placed near heat sources.
- Dishwashers should not be used for washing our products as it could affect the finishing and colour.
Seeking out artisanal values embedded in Italian territory, Eligo brings together a collection of handcrafted objects that draw significance from their history and quality.


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Brenner Children's pediatric emergency department has moved back to its original location. Learn more
In order to help protect patients, family members and health care workers from the spread of COVID-19, no visitors are allowed at any of Wake Forest Baptist Health's outpatient or inpatient facilities, except in certain situations.Learn moreMore COVID-19 Updates
Playing for the varsity basketball team was much tougher than Amy thought. The coach held long practices with lots of conditioning drills, and Amy would go home exhausted. Even worse, her right foot ached during and after every practice, though it seemed to get better when she rested afterward.
Amy's foot never seemed to heal completely, though. In fact, the pain got worse, beginning earlier each practice and lingering even after she rested. Finally, she went to see a doctor, who ordered an X-ray and told Amy she had a stress fracture in her foot.
A stress fracture is a tiny crack in a bone that usually happens from overuse. Putting repetitive strain on bones can break them down. Resting gives bones a chance to rebuild, the way muscles do.
But when someone increases the amount of strain — as can happen when running farther or starting a new sport — sometimes the body can't keep up. The bones can't handle the added stress, and they start to develop tiny cracks called "microfractures." These can lead to stress fractures.
Stress fractures are one of the most common injuries in sports, especially for track and field athletes, gymnasts, dancers, tennis players, and basketball players. Stress fractures aren't just a problem for active people, though. They also affect people with weak bones or nutritional deficiencies, and can happen in the foot, leg, spine, arm, ribs, and other bony locations.
Doctors consider stress fractures "low risk" or "high risk" depending on where they are on the body. Someone with a fracture that is "high risk" has a greater chance of developing complications — like the fracture doesn't heal well or leads to more fractures. Low-risk stress fractures do not usually lead to complications.
Low-risk fractures usually happen in the upper parts of the body, like the ribs or arm bone, although some fractures in the foot can also be low risk. High-risk fractures are usually in the thigh bone (femur), kneecap, certain foot bones, and parts of the spine.
It's not always easy to tell if you have a stress fracture. You can't see it, and any pain or discomfort can be barely noticeable when a stress fracture first starts. But stress fractures can get worse quickly.
Some of the things people with stress fractures might notice:
If you often feel pain in the same part of your foot, leg, arm, or spine when you exercise, see a doctor. If your doctor thinks you have a stress fracture, he or she will ask questions about your activity level and other things that might put you at risk for stress fractures.
Your doctor also will examine the affected area, touching it to to check for tenderness and looking to see if there's any redness or swelling. The doc may order imaging tests, like an X-ray. But some stress fractures don't show up on an X-ray until a few weeks after the bone starts hurting, so your doctor may order an MRI (magnetic resonance imaging) scan or a bone scan. These types of tests are are better at ruling out a stress fracture because they can pick up smaller fractures before they get worse.
Stress fractures happen mostly in the lower limbs, like the foot or lower leg, where bones get more pressure from bearing weight.
But people also get stress fractures in the upper limbs if the sports they play put repetitive strain there. The swings and twists required in sports like tennis or golf can cause stress fractures to the arms or ribs. And the backbends involved in gymnastics can lead to stress fractures of the spine.
Some things that can lead to stress fractures in athletes include:
Girls are at greater risk of getting stress fractures than guys are. Also, a number of physical things raise a person's chances of developing a stress fracture, including:
Whatever your exercise routine, eating foods with plenty of calcium, vitamin D, and other nutrients help keep bones strong. And, keeping bones strong may decrease your risk of a stress fracture.
The best way to prevent a sports-related stress fracture is to be smart about the way you train and exercise. Here are some tips:
If noticed early and treated correctly, most stress fractures will heal by themselves in a matter of weeks. But if someone resumes activities too soon, tiny stress fractures can become larger and harder to heal. Re-injuring a stress fracture can also lead to a painful, long-lasting condition where the fracture might never fully heal.
Treatment for a stress fracture includes:
If you have a high-risk stress fracture, it's wise to be evaluated by an orthopedic doctor. You might need a brace or splint to protect the fractured area and to keep it free from movement, and possibly crutches.
In rare cases, some high-risk stress fractures may need surgery if other treatments don't work.
If there are other reasons for stress fractures, such as poor nutrition or eating disorders, people may need to seek nutritional or psychological counseling.
It can be tempting to ignore stress fractures, especially at first when they don't hurt too much. But part of being a good athlete is keeping your body in top shape. The old-school idea of "playing through pain" just doesn't cut it anymore.
Make it a point to check in with your body after you exercise to be sure everything's OK. Do a mental scan of your body and notice whether you feel any unusual pain, especially in your legs or feet. You want to stay in top competitive shape!
Reviewed by: Rupal Christine Gupta, MD
Date reviewed: August 2014
© 2019 Brenner | Site Policies & Statements
The information on this Website is for general informational purposes only and SHOULD NOT be relied upon as a substitute for sound professional medical advice, evaluation or care from your physician or other qualified healthcare provider. If you have a medical problem or a health-related question, consult your physician or call Health On-Call at 336-716-2255 or 1-800-446-2255.


text: Monday, November 26, 2012 Research Briefs Offer Strategies to Curb Health Care Spending Providers can dramatically improve American health care by focusing on value instead of volume, eliminating wasteful and inappropriate care, applying the best available evidence to practice, enhancing patient safety, and strengthening primary care, says RAND Health in 1 of 4 new research briefs dedicated to flattening the trajectory of health care spending. In this new series, RAND outlines 4 broad strategies for constraining spending growth without compromising quality in the nation's market-oriented health care system: foster efficient and accountable providers, engage and empower consumers, promote population health, and facilitate high-value innovation. Learn more about RAND's proposals to make public reports more meaningful to consumers, encourage health at the local level, promote high-value innovation, and read key findings, by clicking on the briefs at the bottom of the tabbed topics areas.


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When Richard Kolb recently made the move to become a registered investment advisor, he turned to TD Ameritrade Institutional's transition team to work through the phases of choosing an RIA path, setting up a business structure, transitioning client accounts and growing his firm with best practices.
"We were looking for more control over the business and culture, better access to technology and the ability to service our clients' best interests," said Kolb, managing partner at Libertyville, Ill.-based Integrys Wealth Advisors, which manages more than $340 million in client assets with a focus on financial planning and wealth management. "As an independent RIA we feel we can provide clients an even better experience and really focus on accelerating our growth."
The resources that Kolb used, available via TD Ameritrade Institutional's Bridge to Independence program, are designed to ease the transition for financial advisors looking to start their own RIA firm, join an established RIA or operate as a hybrid advisor.
Still, many advisors who want to join the breakaway broker trend are uncertain about making the leap. With that in mind, TDAI has just released a new report, "The Myths and Realities of Becoming an RIA: Know the Facts Before Making a Move," with data that debunks common myths and arms advisors with the facts about the realities of becoming an independent RIA.
"We've been supporting breakaway brokers through the decision-making and transition process for several years and have developed a deep understanding of advisors' personal and professional considerations," said Scott Collins, director of hybrid and advisor transitions, TD Ameritrade Institutional, in a statement. "It can be an emotional decision to leave a familiar business environment and start down a new path. In this new report, we've taken what we've learned from working with hundreds of advisors and identified the most common misperceptions."
Read on to learn about the nine myths about what it does—and doesn't—take to become a successful breakaway broker.
Myth #1: My practice isn't large enough to become an RIA.
Reality: Advisors choosing to make a move span asset and production levels and typically fit an entrepreneurial mindset, according to TD Ameritrade Institutional. The RIA industry has seen a major influx of advisors either starting or joining an RIA firm. "In fact," says TDAI, "since 2004, the number of RIAs has increased 38%, while the number of fully affiliated wirehouse advisors has decreased by 16%."
Myth #2: The transition is too hard, and I will lose clients and revenue.
Reality: While moving from one firm to another firm or channel is a big commitment, most advisors have very successful transitions, and client loyalty remains high. Advisors transfer more than 90% of targeted assets when leaving their existing firm.
Myth #3: I won't grow client assets the first year after I transition.
Reality: Growth potential is high, TD Ameritrade Institutional asserts, with 73% of advisors experiencing an increase in the number and quality of referrals within their first 10 months. Citing Cerulli data, TDAI notes that RIA market share grew 35% between 2007 and 2011, while wirehouse market share decreased by 13%.
Myth #4: I will have to give up my securities licenses and commissionable business.
Reality: Advisors may choose a hybrid model that allows them to maintain their licenses while still being independent, giving them the ability to do both fee and commission business, TD Ameritrade Institutional says.
Myth #5: If I go independent I may make less money and lose my retirement plan.
Reality: With industry averages for overhead expenses in the 40% to 45% range, advisors typically net a 55% to 60% payout after overhead expenses, which is double the typical wirehouse payout illustrated in the report. Advisors also have the opportunity to build business equity that might be monetized upon retiring.
Myth #6: I will not have access to robust technology as an RIA.
Reality: Industry analysts and advisors believe that the technology available to independent advisors now rivals what is available for wirehouse, TDAI asserts.
Myth #7: I won't have access to a broad range of investment products.
Reality: By becoming an RIA, advisors have the ability to select the products most appropriate for their clients, according to TDAI. Asset custodians often work with RIAs to add new investment vehicles to their product lineup.
Myth #8: I won't be able to grow as an RIA without a big Wall Street brand name and budget.
Reality: Establishing a brand or leveraging the brand of an existing RIA has benefits as consumer preferences are shifting, says TDAI, citing a ByAllAccounts fourth-quarter 2011 high-net-worth investor study.
Myth #9: It will be cumbersome and difficult for me to establish an RIA.
Reality: Unlike a decade ago, the resources available to advisors now are vast. Custodians have systems, processes and people to help advisors pursue their vision for independence.
More Top 10 lists on AdvisorOne:


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Hallmark Ecards Invitations
Best invitations to send some creativity to your guests!
Planning an event or a party is a tiresome work. You have to do everything from looking for a decoration to arranging the food. An important part of the event is the guests. You need to inform them about the event and get their feedback. This is done through an invitation that you send out to all the guests. These days' traditional printed invitations are being taken over by electronic invitation.
On this page we have listed some of the best invitation pictures for you that you can download and print for free. You can send the printed invitations to the people who live near to you.
You can also send the invitations in digital format – just download the pics and do the necessary editing and send them through emails.
Choose your way of sending invites and make the event a success. Keep digital invites open for people who live far away from you.


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Wednesday, August 11, 2010
Your Turn: "NASCAR Now" Comments
Sometimes, when you get it from all sides the smart thing to do is retreat. Fans have been coming from every direction this week asking the same thing. Why did ESPN2 bump the 5PM airing of NASCAR Now Tuesday through Friday?
The easy answer is that Little League baseball is airing on ESPN2 during that timeslot. The big problem is that this is truly a historic week in NASCAR news. Not having this TV show on the air at 5PM is rough.
From Kasey Kahne at Red Bull Racing to the largest schedule realignment in recent memory, the news has been non-stop since Monday. The Sprint Cup Series coming to Kentucky Speedway and a second time to Kansas has also brought a lot of media and fan reaction. Danica is back this week and the trucks can't even get a full field for Darlington.
It should be pointed out that Shannon Spake is hosting new episodes of NASCAR Now this week airing at midnight Eastern Time or slightly later. While 9PM might work for our West Coast friends, there are apparently some rather unhappy race fans in the other time zones.
NASCAR Now is one of the most popular shows for the DVR because the 5PM airing allows fans to get home and catch right up to date on all the news. ESPN.com has been posting stories on the same topics, but the daily TV show is the heart and soul of the commitment that ESPN made to NASCAR back in 2007.
Over the past couple of years, we have offered suggestions when this situation has happened. Unfortunately, airing thirty minutes of NASCAR Now on ESPN or ESPNEWS or ESPNU or even good old ESPN Classic has just not been something the corporation has chosen to do.
There has been a solid start to the Sprint Cup Series coverage on ESPN this season. The extended post-race shows have been a treat. Coming off a great weekend of coverage at Watkins Glen, there was good momentum heading into Michigan.
The decision not to move NASCAR Now to ESPNEWS or ESPN for the East Coast audience this week is one that may prove to be costly. These days, SPEED offers an alternative in the Race Hub program airing at 7PM. ESPN2 is no longer the only game in town when it comes to a daily NASCAR news program.
This post is simply to get the comments on this topic in one location. Please feel free to offer your opinion. There will be a new post Wednesday updating other TV stories including details of changes at SPEED and coverage of upcoming special events. Check back with us during the day.
As always, this is a family-friendly website, please keep that in mind when posting. Thanks for taking the time to stop by and check the TV schedule on the left side of the main page for the latest information including announcers and guests for all the NASCAR TV programs.
30 comments:
- Sally said...
ESPN has a nightly Nascar show that is, generally, head and shoulders above Race Hub. Unfortunately, trying to find it consistantly is like looking for the Lost Dutchman mine. It's hard to develope any loyalty to a show that jumps around the time schedule so often. What a shame that a program that has worked hard to come up with a winning formula can't get a reliable time slot.
- August 11, 2010 at 6:33 AM
- James said...
Speeds show started out great, then went to an hour. Last night they spent as much air time with fluff as they did with content? They previewed all but the commercials and made it seem like a two hour show. Whats up? Are we going to be commercialed to death at every turn?
It is to the point I am going to VCR the show like a race to bleep out the ads.
- August 11, 2010 at 10:05 AM
- GinaV24 said...
I have to agree with Sally -- half the time I record NN (since I don't get home from work until later than 5) and I get something else entirely on the recording.
I am not chasing programming around. If it is supposed to be on at a regularly scheduled time, then do it.
I'm glad that RaceHub got moved to a little later in the evening -- makes it easier for me to get home in time to see it. Last nights show wasn't what I expected -- the sprint girl reading me twitters is strange.
- August 11, 2010 at 10:32 AM
- Mariemont Kiwanis said...
ESPN's "commitment" to NASCAR is mediocre at best. If we're being honest, it's obvious ESPN only cares about the sport when it's best for ESPN. They gave up on the sport only to come back to it, but only wants to cover the Chase. I'm also not a fan of forcing me to watch Sportscenter to see post-race coverage. How many times am I forced to watch post-bowling or post-WNBA coverage before airing a pre-race show or NASCAR Now. You can't even DVR the darn show because everything always runs long, unless I just choose to record anywhere from 11pm to 2am and hope for the best. Nobody expect an hour long "Decision" special on the sport, but for the love of God be consistent and make a better attempt at PRETENDING you care about NASCAR.
- August 11, 2010 at 11:19 AM
- Anonymous said...
Much ado about nothing - ESPN2 is hardly the only place to get NASCAR news.
- August 11, 2010 at 11:51 AM
- Stuman714 in Indy said...
ESPN's commitment-sp?-to Nascar is evident in the way they wait for tennis to end before going to any practice sessions or pre-race shows. I've learned to expect to NOT be able to see what is coming up next in many cases when I see what was in the timeslot before the race coverage that may/should be forthcoming.
That being said, when they DO get on the air, I have to admit they have stepped up considerably on actual race coverage, at least in most cases.
- August 11, 2010 at 12:19 PM
- Daly Planet Editor said...
Anon 11:51AM,
ESPN2's "NASCAR Now" was the only daily TV source of NASCAR news six days a week for three years.
That doesn't work for ya?
- August 11, 2010 at 12:21 PM
- Anonymous said...
Did anyone see the ratings for only the first pre season NFL game? They were WAY up and everbody knows preseason football is as boring as it gets.
This would seem to not bode well for NASCAR television ratings with the approaching football season.
- August 11, 2010 at 12:34 PM
- Tracy D said...
I'm not into NN so much these days. Race Hub gives me the same news, generally speaking, and its time slot is much more convenient. I do like Ricky Craven when he's on NN, however. Wish Race Hub had him!
- August 11, 2010 at 1:15 PM
- Anonymous said...
I have not watched NASCAR Now for a couple of months. I used to DVR it, but as noted by other fans, you never know what you will get. I don't bother anymore, as I found myself just erasing it without watching.
I never really liked the shows personality. Always seemed somehow negative and aloof.
On the other hand, Speed's people that are involved with NASCAR, all seem to live and breathe NASCAR. Their enthusium shows.
I don't even mind when the hosts are rotated. I know we will have someone who cares about the people and the fans involved in the sport.
Harry in Calif
- August 11, 2010 at 1:25 PM
- Wisconsin Steve said...
I recorded last night's NASCAR Now (I set the DVR to record for 2 hours to be safe) and watched it this morning before work. It was worth the effort. Shannon Spake and Marty Smith were outstanding, and DJ Kopp could have a great career in TV if he wants one.
The thing that really amazes me is the unbelievable amount of promotion and hype that SportsNation gets. It is the stupidest, most pointless waste of airtime I've ever seen. They even air versions of it on ABC on Sunday afternoons! WHY?!
- August 11, 2010 at 1:31 PM
- glenc1 said...
NN is not the only source of NASCAR news--11:51 is right about that. It was just the only one (until RH) that was on TV since the old RPM2Nite. Frankly, I just go to the Internet & read Jayski's links or other news sites. However, hearing things directly, having interviews, etc on TV is a valuable promotion for a sport that's *carried* on the network in question. If there was something better on, I could see--but why do they find time for crap like SportsNation? Or rerunning the same stories 12 times in an hour? Makes no sense to me. They have the nerve to criticize the athletes who make stories out of themselves, yet they feed into it like moths to the flame, as if someone put a gun to their heads & forced them to camp out on TO's lawn or whatever.
- August 11, 2010 at 1:32 PM
- Daly Planet Editor said...
Here is what I said:
"ESPN.com has been posting stories on the same topics, but the daily TV show is the heart and soul of the commitment that ESPN made to NASCAR back in 2007."
What we are talking about is making an effort to keep the only NASCAR news show on ESPN in a consistent timeslot for the millions of fans of this major professional sport.
ESPN is not getting off the hook by having employees tell me that the Internet is the same thing. It's not.
This was a HUGE programming mistake and I hope someone has to answer for it.
- August 11, 2010 at 1:43 PM
- Anonymous said...
Not only is there ESPN.com, there are a host of other internet sites, SIRIUS radio, and yes, another daily TV show - RaceHub - to get NASCAR news and information.
You say this is a "HUGE programming mistake" - huge for whom? You can't convince me that it is so detrimental to fans, just based on the other outlets I've mentioned above.
Huge mistake for ESPN, then? Just take a look at the picture you've used on this column. I would imagine that just the families of these kids alone probably outnumber the regular "on-time" viewers of "NASCAR Now". This is, after all, coverage of a live sporting event, not to mention the thrill of a lifetime for these kids, which in my opinion trumps airing a sports magazine show.
Just my opinion.
- August 11, 2010 at 2:34 PM
- glenc1 said...
hey, I'm on your side! But I just wanted to point out, for actual *news*...well, if an announcement is at 11am, and NN is on at 5--well, I'm gonna go elsewhere for the scoop, obviously. But I would still like NN to be there for the on the spot interview (say...like Bruton on RH talking about KY...) and I totally agree, I hate them moving it all around. When there is clearly nothing pressing on the other channels, why not just move it over? It's promoting their own *network*; and I agree, a mistake since it could bring viewers IN.
- August 11, 2010 at 2:47 PM
- Richard in N.C. said...
I really enjoy and look forward to N-NOW on Mondays (when Allen is on) and get very PO'd when it gets shuffled around - and used to feel likewise about the weekady N-NOW's. However, since Race Hub has expanded to 60 minutes, I now feel it is no big deal if N-NOW on the weekdays gets shuffled. At least NASCAR gets far, far more attention than NHRA, which never gets any S-Center attention unless there is video of a wreck or explosion to show. Apparently the folk at EESPN aren't aware that NHRA is carried on EESPN2.
- August 11, 2010 at 3:02 PM
- Mariemont Kiwanis said...
Another thing that really pisses me off about ESPN and N-Now is how they ignore when the race actually is until they have the coverage. Up until then, they litterally promote the Nationwide race and the IRL race only when it's on Sunday. I understand promoting your own programming, but it's NASCAR Now, not IRL Now and they do that crap alot. To the previous commenter - Bestwick is great, one of the gems of the ESPN crew, miss having Doc in the booth, not sure Marty Reid knows what he's talking about half the time, except the start and parks.
- August 11, 2010 at 3:11 PM
- Anonymous said...
I always try to watch NN on Mondays. The shows seem to get worse as you go through the week. Same with Race Hub. I watch on Mondays. Hub has proven to be a big disappointment.
- August 11, 2010 at 4:40 PM
- Anonymous said...
I think everyone is barking up the wrong tree. Brian "I don't care about tv" France has given us what we are getting. espn will always have their priorities first, understandably, and Brian was more worried about the money than the fan. MC PS: I will take little league over weak, politically correct nascar coverage any day.
- August 11, 2010 at 5:48 PM
- Daly Planet Editor said...
Anon 2:34PM,
The best part of your opinion is that is makes no sense at all. I love those comments.
If "NASCAR Now" can be dumped for a week in the heart of the season after being on the air six days a week since February, why do we need it at all?
Maybe we can just let all the fans go online and end the series?
Little League baseball is not the issue and you know it.
This show was not shifted in time or moved to another network because stick and ball sports of any type routinely pound NASCAR into the turf at ESPN.
Just give it a couple of weeks and watch the Nationwide Series drop off the map when college football begins.
Either you're in it all the way or just paying lip service to the sport. This week for ESPN, it's lip service.
- August 11, 2010 at 6:41 PM
- Anonymous said...
Crazy NN gets ditched so much but I've only caught a couple of Monday shows...did enjoy them.
On Hub..who is the blond barbie girl with long hair...sigh...I thought I was going to see Byrnes on here.
Not a fan of the females hosting just to get the EOE or diversity numbers up.
signed, a female.
- August 11, 2010 at 7:14 PM
- StickwiththeBiff said...
anon 4:40...the part you're missing is that ESPN is screwing *themselves*.....
why would you not promote a sport so you can make its ratings higher? That is certainly what even the Frances would want so they could make more money at it. That's the part that just defies logic (for me.)
It isn't the stick & ball vs NASCAR priority...it's that they're taking away from their own network the opportunity to promote. PT barnum would be turning over in his grave...it's just dumb....
- August 11, 2010 at 8:02 PM
- PammH said...
I am with Sally & Gina on this. I have to tape NN at 5, because that's when I get off work. So I catch 15 mins & then watch the beginning after. I WILL NOT chase it around to various time slots! Especially when 9 times out of 10, when they say midnite, it's already been pre-empted by some other dumbass show like Sports Nation! Not willing to tape from 11-3 to TRY to catch it. And I HATE missing Marty or Ryan or Ed...:( But our sport needs more respect from BSPN, imo.
- August 11, 2010 at 8:03 PM
- Vicky D said...
This is crazy, tried to watch NN from last night's 11 PM recording and the first 10 minutes was women's basketball and of course, missed the end since it's only on 30 minutes on Wednesdays. I'm with Sally, you never know where to find it on ESPN, although it's a very good show it should always be on at 4 here in Houston how hard can that be?
- August 11, 2010 at 8:43 PM
- Richard in N.C. said...
L'EESPN wouldn't possibly be trying to downgrade the value of N-wide broadcasts with a view to contract renewal would they? I suspect that there will be a NASCAR channel when the current TV contract comes up for renewal and N-wide and/or Truck as the centerpiece would provide a lot of content and the opportunity for more emphasis on that series.
- August 11, 2010 at 10:12 PM
- Dot said...
For my own peace of mind, I quit watching/DVRing NN. Like the others, I too got tired of playing time roulette with it.
What I am more upset about is the way BSPN treats racing and race fans. The lack of respect is getting old.
- August 11, 2010 at 10:24 PM
- Anonymous said...
Something is wrong when Sportsnation gets more slots on ESPN Family of networks than Nascar Now. Sportsnation is the most pathetic show I have ever seen. This is the time that Nascar Now needs to be on the network whether it is on ESPNU or ESPNnews to promote the sport. As the "football" season approaches Nascar once again will be the step child on ESPN.
- August 12, 2010 at 12:59 AM
- Anonymous said...
Sorry if my opinion makes no sense to you, but I'm just looking at this from my perspective as a fan, and a diehard one at that.
Unlike you, I don't see the demise of NASCAR around every corner and behind every programming decision that doesn't mesh with my particular preferences. It is my opinion that you overstate the impact of this prgramming move. This is a "truly historic week"? Let's see if in five years you remember what all of those things were that happened this week, and that you weren't able to see them on NASCAR Now.
- August 12, 2010 at 10:53 AM
- Tom said...
I too, would like to see more consistency with programming schedules, although I believe there is a glut of NASCAR on tv right now and I think that leads to lower ratings. Why watch a race when you can get it condensed for you on any given night...twice!?
JD, as much as I share your concern, using the little league picture on this article was not a wise choice. You have adressed that this is not about little league, but using it was in bad taste. Little League in August IS a big deal, and quite frankly IS more important than a daily rehash show. Better to use a photo of some ESPN stick and ball blowhard than some kids really at the top of their game.
Inverness, FL
- August 12, 2010 at 11:39 AM
- Rita said...
And finally someone else pointing out the gloom and doom you portray on these issues. My point being that on the West Coast, I can still watch it! Do you think I'm the only one? Think of all the states between yours and mine in a different time zone where we fans are still watching Nascar Now.
It's not the end of the world Mr. Moderator. They shifted for Little League to a later time slot, sure, but the show isn't CANCELLED. They are keeping their committment...the show is still on.
To appease EST viewers, the show should be aired earlier instead of later, is the answer you are looking for.
- August 12, 2010 at 1:18 PM


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