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American Pacific Auctions
200ct Green Jade Bead Bracelet (JEW-2204)
200ct Green Jade Bead Bracelet (JEW-2204)
Everything Else / Other
Start Price:
Estimated At:
+ buyer's premium + applicable fees & taxes.
This item
2012 Jul 03 @ 14:04
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Item Description
Location & Preview
BP, Taxes & Fees
Shipping & Payment
Nicely colored jade
Auction Location:
4569 Kukui Street, Kapaa, Hawaii, 96746, United States
Previewing Details:
Please contact the auction house for preview dates and times.
Buyer's Premiums:
From (Incl.)
To (Excl.)
Shipping Details:
Our shipping and handling fees are computed and invoiced as follows for US mainland and Hawaii destinations:
For those bidders that purchase 1-4 lots, there is packing and handling fee of $2.75 per lot. For those bidders that purchase 5 or more lots, there is a packing and handling fee of $2.25 per lot.
Flat Rate USPS Envelope or Small Box – for all items fitting into a flat rate envelope - $4.95 + packing and handling fee + delivery confirmation (or registry if required by our insurer) + insurance.
Flat Rate USPS Box - for all items fitting into a flat rate box - $10.95 + packing and handling fee + delivery confirmation (or registry if required by our insurer) + insurance.
Flat Rate USPS Large Box - for all items fitting into a large flat rate box - $13.95 + packing and handling fee + delivery confirmation (or registry if required by our insurer) + insurance.
Payment Details:
All bidders are required to have a credit card on file in order to register to bid. The Bidder's total charges will be processed on such credit card immediately after the auction. A $50 handling fee will be assessed for each declined credit card transaction.
Accepted Payment Methods:
Master Card
WESTERN ASSET RESERVE GENERAL TERMS AND CONDITIONS (rev. 1/1/2012)
Bidder, in consideration of being permitted to bid (or Buyer, or winning Bidder, or Purchaser, each of which four terms may be used interchangeably), hereby agrees to be bound by all of the terms and conditions contained in any lot listing and these WESTERN ASSET RESERVE GENERAL TERMS AND CONDITIONS. These General Terms and Conditions and the information contained in any lot listing constitute the entire agreement between Buyer and Western Asset Reserve ("WAR"). These General Terms and Conditions and the information contained in any listing may only be changed by WAR. By participating in an auction, Buyer acknowledges that Buyer is bound by these General Terms and Conditions and the information contained in any listing and that such acknowledgement is a material representation to WAR by Bidder to induce WAR to allow Bidder to bid. WAR, Western Asset Reserve or any pronoun referring to it also refers to Western Land Trust, Western Asset Reserve, New Worlds, LLC, Collector's Liquidation, BilzBiz, Ltd., Atchara, Inc. their agents, representatives, officers, directors, stockholders, members, managers, employees, consultants or affiliates. In the event of a conflict between these WESTERN ASSET RESERVE GENERAL TERMS AND CONDITIONS and the contents of any listing, any invoice, or any Auction Venue General Terms and Conditions, these General Terms and Conditions shall supersede and govern.
Personal Property - WAR believes, to the best of its knowledge that the information presented in any listing has come from reliable sources. Such information is presented solely for the convenience of the Purchaser. WAR makes no warranties of any kind related to the information presented in any listing. WAR makes no warranties of any kind related to any third party evaluations or appraisals included in any listing. WAR further makes no warranties, either express or implied, relating to the value, marketability or condition of the lot described in any listing. Prospective Bidders should investigate a lot thoroughly before bidding. By bidding the Bidder acknowledges that Bidder has investigated the lot to his or her satisfaction, or, that Bidder has chosen not to do so, and agrees to accept the lot being bid on with no objections after the sale closes. Such acknowledgement is a material representation to WAR by Bidder to induce WAR to allow Bidder to bid. If you are uncertain please contact us with your questions prior to bidding. If you are still uncertain after we reply, or if we do not reply, please refrain from bidding. Photos and other graphic material contained in any listing of generic or duplicate lots may be stock presentations and not necessarily of the specific lot. Gemstones described as "mine cut" are ready for final cutting/polishing and may have prior to final finishing defects in faceting, chips and/or areas not fully polished. "CTW" or "TWC" when used in a description applies to the total carat weight of any settings plus the set gemstones.
Real estate - It is the Purchaser's responsibility to complete an appropriate due diligence investigation of any parcel WAR sells which is consistent with that of any prudent investor acquiring real property. Normal due diligence includes, but is not limited to, physical inspection and verification of property use with regulatory authorities, public/private utilities and property owners' associations. Western Land Trust, Western Asset Reserve, New Worlds, LLC, Collector's Liquidation, BilzBiz, Ltd., Atchara, Inc., their agents, representatives, officers, directors, stockholders, members, managers, employees, consultants or affiliates, make no warranties or representations, express or implied, relative to any parcel, including, but not limited to: the ability to build, access, terrain, topography, location, condition, available utility services, value, marketability, fitness for any particular purpose or the information contained in this listing. Photos, maps and other graphic material contained in any listing may be of the general area and region of the parcel listed and not necessarily of the specific parcel. The information contained in any listing is believed to have come from reliable sources, but is not verified or warranted by WAR and should be verified by the Purchaser prior to bidding. All real property is sold by us "as-is, where-is with all faults" existing at the time of sale, and is solely guaranteed to have lien-free title upon transfer to Buyer. Any taxes or assessments which may be due as of the date of the auction will be cleared by us upon closing of the transaction.
A Buyer's premium amounting to 18% of the winning bid amount will be added to the purchase price of each lot, subject to the following minimums: $5 per lot and on PMT real estate sales a minimum Buyer's premium of 1% of the PMT contract amount.
High and low estimates are provided solely for comparison purposes and WAR makes no warranties of any kind relating to them.
Any appraisals or evaluations provided are solely for the convenience of the Bidder and WAR makes no warranties of any kind relating to them. Appraisals may include valuations which reflect the full, highest retail price of the item in a specific geographic region, the item's insurance replacement value, or both. No price estimate or appraisal value should be considered to represent the investment or resale value of the item. Such values are to be solely based on the due diligence evaluation of the Bidder.
In the event that an item is listed as having an "Appraisal Estimate", this represents WAR's in-house estimate of what the item would appraise for at Gem Labs of America (GLA), Beverly Hills, CA. Actual appraisal of the item at GLA is the responsibility of the Bidder, however WAR may assist, at its discretion, in related logistics. WAR does provide the following guaranty (the "WAR 5% Loose Gem Guaranty") relative to Appraisal Estimate values of LOOSE GEMS: In the event that the GLA appraised value is not such an amount that the Bidder's winning bid is five percent (5%) or less of the GLA appraised value, then WAR, in it's discretion, will either refund such amount of the Bidder's winning bid and related charges so that the winning bid equals five percent (5%) of the GLA appraised value, or, instead issue a full refund on the item and reimburse the Bidder for the GLA appraisal fees. The Bidder may also opt to retain the item, in which case the WAR 5% Gem Guaranty shall not apply relative to the particular item.
Unless the auction of a lot is announced as absolute, WAR reserves the right to accept or reject any bid for any reason whatsoever, at any time before, during or subsequent to any auction. Any and all bids made by a Bidder constitute irrevocable offers to purchase the lot at the maximum bid amount of the Bidder and may not be withdrawn by the Bidder under any circumstances. At the close and reconciliation of the auction, WAR shall determine the actual winning Bidder of each lot and may, in its sole discretion, reflect as sold to any lower Bidder in the event of non-payment by a higher Bidder or for any duplicate item that may be available at the Bidder's maximum bid on the lot. In the event of any dispute between Bidders, or in the event of doubt on WAR part as to the validity of any bid, WAR will have the exclusive final discretion to determine the successful Bidder, cancel the sale, award the lot to the next highest Bidder or Bidders or to re-offer and resell the lot in dispute and WAR is not responsible for any errors or omissions in connection therewith. WAR's auction sales are typically without reserve. However, in the event of an auction sale in which all items open at $1 or other amount well below auction estimates, an unspecified reserve amount may apply to some or all of the items in the sale. WAR reserves the right to protect any reserve price by placing and advancing floor bids up to the amount of the reserve. WAR may also place bids on behalf of any buyer or seller, bid for its own account or remove any lot from sale without notice at any time. Any bid entered by a Bidder shall be determined in the sole discretion of WAR to have exceeded or not to have exceeded any reserve. In consideration of WAR's approval of the application of the Bidder to bid in WAR's auction, Bidder agrees to comply with and be specifically bound by the provisions of this paragraph.
Bidder understands and acknowledges that WAR pays independent online auction hosting venues for the hosting of WAR's online sales as well as the acceptance and recording of online bids in those sales. As such, the resolution of any problems, difficulties or issues Bidder has with the placement or recording of Bidder's bids is solely among Bidder, Bidder's computer, Bidder's ISP and the online hosting venue and are is under no circumstances any responsibility of WAR.
For all accepted bids in any auction, WAR immediately removes the items on which bids have been accepted from its inventory available for future auction catalogs. This is a considerable undertaking for WAR, and deprives WAR of the potential sale of the items so removed from available inventory to another Bidder. In the event that the winning Bidder does settle his or her auction invoice, considerable additional effort must be undertaken by WAR to place the Bidder's items back into available auction inventory and to collect the applicable charges from Bidder. Therefore, inconsideration of these undertakings by WAR, Bidder agrees to be irrevocably bound by the following payment terms:
Transactions Other Than Real Estate - Payment of the winning bid amount, buyer's premium and shipping/handling charges will be made at the time the auction is reconciled and invoiced (email) by WAR, using the credit card on file for the Bidder. Bidder, in consideration of WAR's approval of the Bidder to bid, expressly permits WAR to retain Bidder's credit card information, once provided for any auction, for use, without the separate authorization of Bidder, to process additional shipping charges that may arise per these General Terms and Conditions and, without the separate authorization of Bidder, to process charges for purchases in all subsequent auctions. Such authorization shall remain in force for WAR's use until cancelled by Bidder in a signed writing. In the event that no credit card is on file, the Bidder will be directed to WAR's credit card payment website, other means of transmitting credit card information and also provided with instructions for payment by wire, cashier's check or money order; business and personal checks are not accepted. All credit card payments are due at the time the auction is invoiced by WAR and shall become past due at the close of business on the day following the date of the sale. All other payments are required to be received by the 4th day's mail delivery following the invoice being sent by email. Wire transfer payments are required to be initiated on the banking day immediately following the date of sale. In consideration of WAR's approval of the application of the Bidder to bid in WAR's auction, Bidder hereby authorizes WAR to charge the credit card currently or previously on file provided by Bidder as specified herein and such authorization is a material action by Bidder to induce WAR to allow Bidder to bid. A $50 handling fee will be assessed for each declined credit card transaction and Bidder agrees to such charge. Requests for other payment arrangements will only be considered prior to the opening of bidding in any auction.
Open invoices remaining unpaid at the past due time specified above shall immediately become subject to the full application of all charges specified in these General Terms and Conditions, including, but not limited to: the 2% late service charge billed in advance, and not prorated, on the 2nd day after the sale and each monthly anniversary thereof; a daily storage fee of $5 per item beginning the 2nd day after the sale and applicable for no more than 15 days; full application of all charges herein, including, but not limited to the $5 minimum buyer's premium and the amount by which any buyer's premium is reduced below 18%. On the 16th day following the date of sale or earlier if WAR was unsuccessful in contacting Bidder to obtain payment; Bidder refuses to pay; or Bidder fails to meet payment commitments made, the unpaid invoice will be submitted to third party collection and additional charges will apply as provided elsewhere in these General Terms and Conditions.
PMT Real Estate Auctions Special Provisions - The winning bid is the down payment and Buyer will take over payments on the specified balance with interest at the specified rate, pay the specified amount monthly, until paid in full. Buyer will also pay prorated property taxes as well as other government and quasi-government assessments, prorated association dues (if any) and a payment collection fee all added to the monthly payment. The amount due at the close of the auction is the winning bid, plus the first month's payment, plus the buyer's premium specified in herein, and plus our administrative fee. PMT transactions may be paid off in advance at any time in any amount without penalty. The winning Purchaser must contact WAR within 48 hours of payment and provide: Name for title purposes, mailing address, telephone numbers, form of payment as provided below and the completed Purchaser information and government required forms provided by WAR at the time of payment.
Cash Sale Real Estate Auctions Special Provisions - The amount due at the close of the auction is the winning bid, plus the buyer's premium specified in herein, and plus our administrative fee. Buyer will receive the parcel free and clear with the payment of these amounts and there will be no future payments due. The winning Purchaser must contact WAR within 48 hours of bid closing and provide: Name for title purposes, mailing address, telephone numbers, form of payment as provided below and the completed Purchaser information and government required forms provided by WAR at the time of payment. Within 15 days after full, cleared payment, WAR will provide the deed and recording instructions to the Buyer.
We provide handling, packing and shipping services solely as a convenience for our Bidders. Because Bidders most often opt for these services, we include an ESTIMATED AMOUNT in the auction invoice.
WE ARE LOCATED IN HAWAII, AS SUCH SHIPPING TIMES AND COSTS WILL BE GREATER. We ship primarily by USPS priority mail within a commercially reasonable time following credit of the Bidders payment to our account. On average, a Bidder may expect to receive their items within 4 weeks following their payment. The actual cost of shipping, insurance, registry and confirmation services is charged to the Bidder, as well as a packing/handling fee not to exceed $3 per item, to defray the cost of labor and supplies involved. Large, heavy, fragile or otherwise unusual items will incur additional charges. Under special circumstances, WAR may ship items using USPS Express Mail, private carriers or pack and ship enterprises, the cost of which shall be charged to the Bidder. WAR will not entertain shipment using lower classes of mail due to the increased risk of loss. Requests earlier shipment or special handling may be accommodated on a limited basis at WAR's sole discretion and may incur additional handling charges. All costs charged to a Bidder's original invoice are estimates and WAR reserves the right to charge additional amounts if such estimates are exceeded and Bidder hereby agrees to such additional amounts. WAR does not combine shipment of items from different sale dates.
All US domestic shipments are insured at the total bid amount contained in the shipment (other add-on charges are not covered by insurance). The estimated cost of insurance is included in the Bidder's invoice.
Shipments to Alaska, US Territories and Foreign Countries - Shipping and handling charges to these locations are higher and often require registry or express mail. Insurance coverage to foreign locations may also be limited by the shipping carriers. WAR will ship items to foreign locations using the same classes of mail and additional postal services that it uses to ship to US locations, to the extent that such services are available, and, insurance coverage may be limited or unavailable. In WAR's sole discretion USPS shipments to foreign locations shall utilize registered mail and Bidder shall pay for the costs thereof. IT IS THE FOREIGN BIDDER'S OBLIGATION TO BE AWARE OF AND INSTRUCT WAR REGARDING ANY ALTERNATIVE SHIPPING ARRANGEMENTS WHICH MAY BE DESIRED TO INCREASE INSURANCE COVERAGE. War will not be liable for any shortfall of insurance either on foreign shipments or on the non-coverage of additional invoice charges exceeding bid amounts.
Foreign Bidders are solely responsible for the compliance with all export and import requirements of the items they purchase, both out of the US and into their country of delivery and no refunds will be provided for the failure of Bidder to comply with this provision. To the extent that WAR is required to assist foreign Bidders in these matters, the time expended by WAR will be billed at $35 per hour.
Storage fees of $5 per day per item will apply to all items held for any Bidder after the normal shipment date due to customs regulations or circumstances existing at the Bidder's delivery location or due to late payment by Bidder.
Our responsibility for damage to or loss of any lot ends once it has been turned over to the USPS, or other shipping enterprise for delivery and/or packing. By bidding, the winning Bidder agrees that any and all claims for loss or damage to the lot will be handled solely through the insurance claims process (if insurance was available) or the carrier and acknowledges that insurance may be subject to deductibles or other limitations which are not the responsibility of WAR. WAR is not responsible to any loss resulting from items being shipped to an alternate address or recipient provided by Bidder.
No items will be shipped to any Bidder for any particular auction until all charges for the auction have been paid in full and all funds have cleared. Even if paid in full, no items will be shipped to any Bidder for any particular auction if the Bidder has any balances with WAR from other auctions which are not in compliance with the provisions of PAYMENT above, until such balances are paid in full and all funds have cleared. WAR may, at it's sole discretion, require any Bidder to return a signed sales receipt prior to shipping.
WAR is in the business of locating items for sale, listing them for sale, selling them and shipping them. WAR is not in the business of collecting delinquent accounts receivable and WAR finds the need to do so unpleasant and a gross waste of its resources. Therefore, in fairness to WAR and the many Bidders who do follow the agreed -to terms and conditions, violating Bidders are required to pay the following charges for forcing WAR to spend valuable time and effort on collecting the delinquent Bidder's account and taking time away from listing items for sale and related functions.
WAR's relationship with Bidders is simple and straight-forward: WAR finds, WAR lists, WAR sells, Bidder signs up, Bidder bids, Bidder wins, Bidder pays, WAR ships. WAR does not wish to collect any of the fees stated below. However, when a Bidder unilaterally violates these General Terms and Conditions by not paying as agreed, and forces WAR outside of the simple equation stated above, using valuable time and effort for non-income producing purposes, the following charges shall be vigorously applied and collected. By signing up to bid and by bidding, Bidder agrees not to violate the payment provisions of these General Terms and Conditions and such agreement is a material representation to WAR by Bidder to induce WAR to allow Bidder to bid.
The Bidder is a Non-Paying Bidder (NPB) if the Bidder has not met the requirements of PAYMENT above. Storage fees of $5 per day will apply to items which remain unpaid beginning on the 2nd day following the sale for a maximum of 15 days. A service charge of 2% per month, in advance and not prorated, shall apply to all balances owed by a NPB beginning the 2nd day after the sale. On the earliest day following non-payment that the online venue allows, a non-payment dispute shall be entered with the venue which hosted the sale. Anytime following 16 days after sale, or at anytime earlier upon WAR's lack of success in contacting NPB to obtain payment; NPB's refusal to pay; or NPB's failure to meet payment commitments made, WAR, at its sole option, may convert the unpaid balance with the NPB to an authorized return and instead bill the NPB the specified restocking fee as well as all applicable service charges, storage fees, additional buyer's premium, collection fees and costs, and send the adjusted balance to collection. Any such restated invoice will then, itself become fully collectible from the NPB under all of the relevant provisions of these General Terms and Conditions and subject to the late fee as well as other fees and costs specified. Payment of any restocking fee and other charges does not give the NPB the right to receive auction items and solely constitutes the payment of liquidated damages and costs resulting from the NPB's failure to pay.
All sales are final, no lots are sold on approval; placing a bid is a legally binding obligation. There are no returns or exchanges. All lots are sold as is, where is, with all the faults, imperfections, omissions and errors in the written description, estimates, appraisals, graphics and photography. WAR is not responsible for any errors or omissions in the description, graphics or photography provided or in the bidding software. Due diligence to verify the condition and description of a lot is the sole responsibility of the Bidder prior to placing any bid. Returns may only be made with the advance written authorization of WAR and are in WAR's sole discretion to approve. To request a return you must provide a written request fully explaining the basis for the return no later than 3 days after your receipt of the lot. Under no circumstances will any amounts other than the winning bid amount be refunded. A restocking charge of 25% of the full invoice amount may apply in WAR's sole discretion. Any allowed returns must be received in exactly the same condition as when originally shipped to Buyer, or they will be returned to buyer at Buyer's cost. Any unauthorized returns will be refused. DELIVERY REFUSAL OF ITEMS SHIPPED BY WAR TO THE BIDDER CONSTITUTES AN UNAUTHORIZED RETURN IN DIRECT VIOLATION OF THESE GENERAL TERMS AND CONDITIONS.
If any dispute occurs between Buyer and WAR that cannot be resolved, then the parties agree to the rules, regulations and procedures of the dispute resolution described herein and agree to the following procedures for resolution of the dispute: If either party alleges that the other party is in default under this agreement, then the dispute or allegation shall be submitted to binding arbitration in the State of Hawaii. WAR shall select a neutral arbitrator. The arbitration process shall be initiated by either party requesting arbitration which must be served upon the other party by certified mail. Failure to participate in the arbitration is a default. Each party shall simply present their case (limited to a maximum of one hour for each party) to the arbitrator. The parties agree and acknowledge that they are completely waiving their rights to have the dispute heard in a court of law. The parties agree that the arbitrator shall have complete jurisdiction over the dispute and can issue an award to the prevailing party. Arbitration fees shall be paid by the party not prevailing in the dispute or as seen fit by the arbitrator. Any award determined by the arbitrator shall be binding and the prevailing party shall be awarded full reimbursement of its actual paid fees in connection with the dispute.
By signing up to participate in a WAR auction, Bidder specifically agrees to the dispute resolution specified in the foregoing paragraph as Bidder's SOLE means to resolve any and all disputes which may arise with WAR. By doing so Bidder specifically agrees that Bidder will not file a dispute of any kind with an online venue, a credit card, or any other third parties. Bidder specifically waives the right to initiating a credit card chargeback dispute on any basis of claim and agrees that Bidder will pay WAR a minimum of $500 plus hourly charges and costs for any such chargeback dispute opened, due to the severe administrative burden of such disputes and their direct violation of the dispute provisions above.
In no event shall WAR's liability for any breach, or act or omission exceed the purchase price actually paid by the Buyer, and in no event shall WAR have any liability under any circumstances for special, indirect, incidental or consequential damages (including for loss of profits or revenue, costs of obtaining alternative property, claims of customers of Buyer or otherwise), whether in contract, tort, negligence, strict liability, or otherwise, arising out of, resulting from or in any way relating to the lot or its purchase, sale, delivery or non-delivery, or the acts or omissions of WAR or WAR's agents, representatives, officers, directors, stockholders, members, managers, employees, consultants or affiliates.
All property is sold "AS IS", and ALL SALES ARE FINAL. Property is open to thorough public inspection. It is the Bidder's responsibility to determine condition, age, genuineness, value or any other determinative factor. WAR may attempt to describe the merchandise in advertising and on the Internet but makes no representations. In no event shall Western Asset Reserve be held responsible for having made or implied any warranty of merchantability or fitness for a particular purpose. Bidder shall be the sole judge of value.
Bidders who bid from off site and are not physically present understand and acknowledge that they may not be able to inspect any lot as well as if they examined it in person. It is the Bidder's responsibility to determine condition, age, genuineness, value or any other determinative factor. WAR shall endeavor to describe in detail each lot and any pertinent information about it. Western Asset Reserve will not be responsible for any errors or omissions in the description of the merchandise unless it is a material and intentional misrepresentation of the lot itself. Bidder agrees that everything is sold as is and that they may not return any lot they purchase.
Under no circumstances shall Bidder have any kind of claim against WAR or anyone else if the internet service fails to work correctly before or during the live auction. WAR will not be responsible for any missed bids from any source. Internet Bidders who desire to make certain their bid is acknowledged should use the absentee bidding feature and leave their maximum bid before the auction begins. WAR reserves the right to withdraw or re-catalog lots in any auction.
Bidder's bid at all times represents an irrevocable offer by Bidder to enter into a binding contract to purchase the lot in accordance with the specific provisions of the listing and these General Terms and Conditions, as applicable, even if a higher bid was received by WAR. In the event that any reserve price of a lot is not exceeded by any Bidder's bid WAR, in its sole discretion, with or without the knowledge of or notice to any Bidder, may reduce any reserve price to an amount below the bid of Bidder at any time during an auction and accept the bid made by Bidder. Reserve prices are always the confidential information of WAR and are not disclosed to Bidder's unless specifically stated as such during bidding. Nothing contained in any listing shall be construed to disclose any reserve price. In the placing of any bid the Bidder understands and agrees that the bid placed, once accepted by WAR, will be the winning bid if there is no higher bid by another Bidder and if any reserve or reduced reserve on the lot is exceeded. All bids are binding, irrevocable and non-cancelable by Bidder.
There are no provisions for the placing of bids to "mark the lot" or to "test the system", etc. and any requests to cancel bids on these bases, or due to a Bidder not reading a listing; not being familiar with the bidding platform; internet connection problems, speed or communication issues; not doing proper due diligence; failing to maintain proper control over Bidder's bidding terminal; bidding by mistake and the like will be denied. Such requests to cancel bids are null and void and will not excuse Bidder from Bidder's legal and contractual obligation to complete a transaction.
If you are the successful Bidder, you agree to pay the amount of your bid plus all applicable taxes and charges in the time and manner designated herein. Failure to make such payment shall be deemed to be a breach of these General Terms and Conditions, and, in addition to all other rights and remedies WAR may have under applicable law, you will be charged a re-stocking fee on transactions which are not installment payment (PMT) land sales equal to (a) 25% of the amount of your invoice, plus $25; or (b) the cost associated with re-marketing and re-selling the lot, whichever is greater. For installment payment (PMT) land sales, the amounts shall be (a) the initial invoice amount computed per the listing; or (b) the cost associated with re-marketing and re-selling your lot, whichever is greater.
Bidder is responsible for any and all costs associated with collection of amounts owing from the Bidder, until collected; and WAR reserves the right to bill and collect any such costs from Bidder. Costs associated with collection may include, but are not limited to, time charges, incidental expenses, attorney fees and costs associated with the use of a collection agency.
The winning Bidder's failure to complete the purchase in accordance with the terms provided herein and in the listing will cause the Bidder to be faced with all, or any combination of the following measures: elimination of all future bidding privileges on the hosting site; credit agency reporting; legal and/or collection action.
These General Terms and Conditions and each listing contain all of the provisions applicable to the agreement between WAR as seller and each Bidder. The provisions of these General Terms and Conditions and of each listing supersede all other agreements, representations or understandings, whether prior or contemporaneous, oral or written, between the parties concerning that subject matter. These General Terms and Conditions and provisions of each listing shall be binding on Buyer's heirs, beneficiaries, executors, successors and assigns.
In consideration of WAR's approval of a Bidder to bid in any sale, Bidder permits WAR to add Bidder to WAR's mailing list. WAR will send information to Bidder relating to WAR's activities and will not provide Bidders mailing information to third parties except as necessary to provide information to Bidder relating to WAR's activities. Bidder may freely opt out of mailings at any time by following the instructions in any mailing and Bidder agrees that any mailings from WAR or third parties providing information relating to WAR are not spam. Bidder agrees that any reporting of communications from or on behalf of WAR as spam would constitute defamation, further agrees that litigation relating to any such spam reporting would be costly and time-consuming, and finally agrees to pay WAR upon demand the amount of twenty-five hundred US Dollars ($2,500.00) for each occurrence of such spam reporting.
Any assignment without WAR's written authorization will be void.
If any provision of these General Terms and Conditions or of any listing be void, unlawful or unenforceable under applicable law, that provision shall be modified to the minimum extent possible to comply with applicable law, or if modification is not possible, deleted and severed from the remaining provisions. Any such modification, deletion or severing shall not affect the enforceability or validity of any of the remaining provisions.
These General Terms and Conditions, the contents of any listing and the contractual relationship between WAR and any Buyer shall be interpreted under and governed by the laws of the State of Hawaii.
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American Pacific Auctions
Henderson, Nevada, United States
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Playgrounds and outdoor play equipment offer kids fresh air, friends, and exercise. So it's important for parents to make sure that faulty equipment, improper surfaces, and careless behavior don't ruin the fun.
Each year, more than 200,000 kids are treated in hospital ERs for playground-related injuries. Many of these accidents can be prevented with the proper supervision.
You can make the playground entertaining and safe for your kids by checking equipment for potential hazards and following some simple safety guidelines.
And teaching kids how to play safely is important: If they know the rules of the playground, they're less likely to get hurt.
Adult supervision can help prevent injuries by making sure kids properly use playground equipment and don't engage in unsafe behavior around it. If an injury does occur, an adult can assist the child and administer any needed first aid right away.
Kids should always have adult supervision on the playground. Young kids (and sometimes older ones) can't always gauge distances properly and aren't capable of foreseeing dangerous situations by themselves. Older kids like to test their limits on the playground, so it's important for an adult to be there to keep them in check.
Before you visit a playground, check to make sure that play areas are designed to allow an adult to clearly see kids while they're playing on all the equipment.
The most important factors in evaluating the safety of any playground are proper surface, design and spacing, and equipment inspection and maintenance.
A proper playground surface is one of the most important factors in reducing injuries — and the severity of injuries — that occur when kids fall from equipment. The surface under the playground equipment should be soft enough and thick enough to soften the impact of a child's fall.
Here are some things to consider:
Keep in mind that even proper surfacing can't prevent all injuries. Also, the greater the height of the equipment, the more likely kids may get injured if they fall from it.
Playground equipment should be designed for three different age groups: infants and toddlers under 2, 2- to 5-year-olds (preschoolers), and 5- to 12-year-olds (school-age kids).
In the safest playgrounds, play areas for younger children are separated from those meant for older kids and signs clearly designate each area to prevent confusion.
Younger children should not play on equipment designed for older kids because the equipment sizes and proportions won't be right for small kids, and this can lead to injury. Likewise, older kids shouldn't play on equipment designed for younger ones. Smaller equipment and spaces can cause problems for bigger kids.
Here are some things to check for to ensure the equipment is designed and spaced to be safe:
Whether your kids play on a home or public playground, it's important for you to take a general look at the equipment to make sure that it is clean and well maintained.
Check for objects (like hardware, S-shaped hooks, bolts, and sharp or unfinished edges) that stick out on equipment and could cut a child or cause clothing to become entangled.
All hardware on equipment should be secure, with no loose or broken parts. Plastic and wood should show no signs of weakening, and there should not be any splintered or rusted surfaces.
If the local playground has a sandbox, check for hazardous debris such as sharp sticks or broken glass, and be sure that the sand is free of bugs. Sandboxes should be covered overnight to prevent contamination from animals, such as cats.
Help keep your playground clean and safe by picking up trash, using the equipment properly, and reporting any problems to the city, town, or county parks department, school, or other organization that is responsible for the upkeep of the playground.
If a part seems broken, loose, or in need of other maintenance, designate it as off-limits immediately and report the problem to the appropriate authorities.
Safe playground equipment and adult supervision are extremely important, but it's only half of the equation: Kids must know how to be safe and act responsibly at the playground.
Teach your kids to:
Because swings, slides, and climbing equipment are so different from one another, each requires a different set of safety considerations. And some kinds of equipment are not safe for playgrounds, no matter how careful kids are.
Swings are the most frequent source of childhood injuries from moving equipment on a playground. But a few simple precautions can help keep kids safely swinging in the breeze:
Because seesaw use requires cooperation between kids, they're generally not recommended for preschoolers unless the seesaw has a spring-centering device to prevent abrupt contact with the ground. Regardless of design, both seesaws and merry-go-rounds should be approached with caution.
Other safety tips to keep in mind:
Slides are safe if kids are careful when using them. Guidelines to keep in mind:
Climbing equipment comes in many shapes and sizes — including rock climbing walls, arches, and vertical and horizontal ladders. It's generally more challenging for kids than other kinds of playground equipment.
Be sure your kids are aware of a safe way down in case they can't complete the climb. The highest rates of injuries on public playgrounds are associated with climbing equipment, which is dangerous if not designed or used properly. Adult supervision is especially important for younger kids.
Climbing equipment can be used safely if kids are taught to use both hands and to stay well behind the person in front of them and beware of swinging feet. When they drop from the bars, kids should be able to jump down without hitting the equipment on the way down. Remind kids to have their knees bent and land on both feet.
Track rides are a form of upper-body equipment where kids hold on to a handle that slides along a track once they lift their feet. These rides require significant upper-body strength and are recommended for school-age kids and above.
Log rolls require kids to grasp handles, then balance on top of the log as they spin it with their feet. This helps older kids to develop balance skills and increase strength.
There are specific recommended safety checks for soft contained playgrounds:
More and more cities are opening spraygrounds, which are water playgrounds. At a sprayground, kids can spray each other with water cannons and get sprayed by dozens of water jets that squirt from different colored nozzles and hoses.
These types of equipment are not safe for playgrounds:
Parents should not place plastic climbing equipment indoors. Even carpet does not give enough protection from falls. This type of equipment is intended for outdoor use on safe surfaces.
Play is an important part of kids' physical, social, intellectual, and emotional development. Following these safety tips will help your kids play as safely as possible.
Reviewed by: Yamini Durani, MD
Date reviewed: July 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.

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Lotus Touch Citrus Body Polish Treatment Package
Achieve soft, glowing skin with this money-saving package. Luxurious Lotus Touch Citrus Body Polish features an active moisturizer base that is easily absorbed by the skin. The fine, apricot kernel exfoliant can be removed with warm, moist towels. Finish the treatment with a light massage using Lotus Touch Organic Naturals Massage Lotion.
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Despite their wealth and strong savings values, a huge percentage of affluent women lack comfidence in their investing ability.
Forty-one percent of affluent women in a survey released Thursday by Wells Fargo said they were "not at all" confident in their ability to invest.
Koski Research, an independent marketing research outfit, conducted a telephone poll between June 27 and Aug. 4 of 600 women ages 40 to 69 with household investable assets of at least $250,000. Respondents' median investable assets were $455,000 and household income $145,000.
At a time when women comprise half the U.S. workforce, 44% of survey respondents reported that they earned about the same or more than their spouses.
According to the survey, 41% of all affluent women did not believe the stock market was the best way to grow savings, versus 52% who did, and 34% said it was "too risky" for them.
In fact, 64% said they had become more risk averse as they built wealth, and 58% said they were not interested in learning more about how to invest in the stock market.
While more than half of affluent women were not interested in learning more about stock market investing, 91% said it was important for women to be confident in their ability to invest.
Yet only 8% described themselves as "extremely confident," while 49% said they were "somewhat confident" in investing and 41% were "not at all confident."
"Today's affluent women are financially savvy working women, but investing confidence doesn't follow hand in hand with increased wealth," Karen Wimbish, director of retail retirement at Wells Fargo, said in a statement.
"Through our research, we see that investing confidence seems to be the linchpin to so many other positive behaviors that would provide an opportunity for women to grow their savings and to build a solid foundation in retirement."
The survey found that confidence in investing among affluent women correlated to attitudes and choices that differed significantly from those of women who described themselves as not confident at investing:
- 59% of confident women said the stock market was the best place to grow savings over time, while 44% of not confident investors agreed.
- 49% of women who were not confident in investing said the stock market was too risky for them, versus 23% for the confident women.
- 73% of confident married women said either they alone or in conjunction with their spouse made household investment decisions, versus 49% of those who were not confident.
- 67% of confident women were "taught about investing by someone," versus 39% of the not confident.
- 47% of confident women were interested in learning more about how to invest in the stock market, versus 35% of the not confident.
Regardless of investing confidence levels, 56% of affluent women said men were given more opportunity to learn about investing than women, while 41% said both sexes were given equal opportunity to learn. Half felt men had more confidence in investing ability, but only a quarter thought men were actually more skilled. "We see that women who were taught about investing by someone tend to be more confident in investing," Wimbish said. "Financial literacy makes a huge difference and has positive rippling effects for future generations."
Other research indicates that the gender gap in financial literacy is tapering off.
Retirement Angst
The vast majority of affluent women surveyed felt a successful life was best defined by "peace of mind" over great achievements. Respondents said a successful retirement meant having enough money to live the lifestyle they wanted (39%), being healthy (30%) and spending time with family and friends (16%).
"Running out of money" scared 40% of affluent women in the survey. Allianz Life found similar anxiety among influential women in a recent study.
Forty-five percent of respondents in the Wells Fargo survey, and 52% of those in their 40s, said they would "resist as long as possible" living in retirement without a paycheck by working.
Fifty-seven percent of affluent women said they were scared by "living in poor health for many years in retirement" — more than three times the number who feared having to work forever.
Although health care was the top issue women discussed with their spouses and their female friends, 29% of married affluent women and their spouses had not discussed "how they will address any potential major health care issues."
A comfortable retirement was a goal for women, but fewer than 40% had a written retirement plan.
They reported needing a nest egg averaging $1.5 million. They expected to retire at the age of 66 on average, and projected that their savings would need to last an average of 18 years.
Check out these related stories on ThinkAdvisor:


text: Monday, April 01, 2013 Final Rule Establishes Matching Rates for Medicaid Beneficiaries The Centers for Medicare and Medicaid Services (CMS) issued a final rule Friday implementing provisions of the Affordable Care Act (ACA) on increased Federal Medical Assistance Percentage (FMAP), or matching, rates for certain Medicaid beneficiaries in states. This rule codifies the increased FMAP rates that will be applicable beginning January 1, 2014. An increased FMAP rate is available for medical services provided to people defined as "newly eligible" who are enrolled in the new eligibility group for adults up to 133% of the poverty level. In general, individuals are "newly eligible" if they are enrolled in the new adult group and would not have been eligible for full benefits, benchmark benefits, or benchmark-equivalent benefits under the eligibility rules in that state in effect in December 2009. The newly eligible FMAP is 100% in calendar years 2014-2016, 95% in calendar year 2017, 94% in calendar year 2018, 93% in calendar year 2019, and 90% in calendar years 2020 and beyond. CMS also establishes an increased FMAP for expenditures for nonpregnant, childless individuals in the new adult eligibility group in a defined "expansion state." The expansion state FMAP is the regular FMAP rate increased by the number of percentage points equal to a "transition percentage" (that ranges from 50%-100%) of the gap between the regular Medicaid FMAP and the increased "newly eligible" FMAP. In 2019 and beyond, the expansion state FMAP will be equal to the newly eligible FMAP, which means it will be 93% in 2019 and 90% in 2020 and thereafter. The final rule also describes the threshold methodology that states will use to claim the new FMAP rates. CMS is seeking comment on selected provisions of this final rule through June 3 so that the agency can determine whether additional clarification would assist states to implement these aspects of the threshold methodology more effectively.


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WASHINGTON (AP) — Here comes the sequester: big federal spending cuts and a new season of economic uncertainty for a nation still trying to shake off a recession.
The politics of sequestration have been fierce, the finger-pointing incessant. And to no one's surprise, what was designed as a way out of one Washington standoff has produced another one — and more. A week out from the March 1 deadline, there are no meaningful efforts in Washington to avert the punishing automatic cuts set out in a law nearly two years ago.
Bellowing and blame aside, what really would happen if, as expected, President Barack Obama and congressional lawmakers allow the nation to blow past the deadline?
Q: What's the big overall picture?
A: A series of cuts to federal agencies that would lead to longer lines at the nation's borders, less money for teachers and more hassle at airport checkpoints. Virtually every dollar approved each year by Congress would be slashed by a uniform amount, which would mean at least temporary layoffs for hundreds of thousands of public and private-sector workers. Programs like Medicare and Social Security are exempt, but there is no question the slashing of other programs would slow the nation's fragile economic recovery.
Q: And the big numbers?
A: Under a 2011 law designed to avert exactly this type of inaction, March 1 means automatic cuts of $85 billion from a $3.6 trillion budget over the seven months spanning March-September. That would include cuts of 8 percent to the Pentagon and 5 percent to domestic agency operating budgets. More than 3.8 million Americans who have been jobless for six months or longer could see their unemployment benefits reduced by as much as 9.4 percent.
Q: Why is this happening, what's actually going to occur and who is likely to be most affected. First, how did we get here?
A: The seeds of the sequester were sown by a demand by House Speaker John Boehner, R-Ohio, that the 2011 debt limit increase be matched, dollar-for-dollar, by cuts in federal spending. After "grand bargain" talks between Boehner and Obama broke down, the White House came up with the sequester idea as a way to guarantee large enough deficit cuts to offset enough new borrowing to make sure Washington didn't have to revisit the debt limit until after the 2012 elections. The sequester threat was designed to be so harsh that it would drive the sides to compromise on an alternative.
It didn't work. House Republicans twice last year passed legislation to replace the cuts with larger savings drawn from programs like food stamps and federal employee pensions. Democrats controlling the Senate didn't offer an alternative and instead put their faith in postelection negotiations to avert the fiscal cliff, which resulted in Obama claiming victory on his promise to raise taxes on the rich but only a two-month respite from the sequester. Now, Republicans say they won't give in to demands by Obama and the Democrats controlling the Senate for higher taxes as part of any solution.
Q: How quickly will the sequester's impact be felt? How will we notice it?
A: It depends. At first, the general public may not much notice the cuts. The sequester isn't a government shutdown; it's a government slowdown. Furloughs of federal workers — forced unpaid days off — generally won't start for a month due to notification requirements. Many government contracts would still be funded using money previously approved even as agencies slow down the awards of new contracts. But furloughs of workers like air traffic controllers, meat inspectors, FBI agents, the Border Patrol and park rangers will mean an inevitable deterioration of noticeable government services that could, for instance, force intermittent closures of meat packing plants and shorter operating hours at smaller airports.
Other impacts will be more subtle, like longer waits at security checkpoints at airports and along the Mexican border or for cargo inspections at ports. Cuts inside the Defense Department will be particularly acute, in part because military pay is exempt, which will force sharper cuts on the rest of the budget, particularly training and maintenance. Civilian Pentagon workers will face furloughs of 22 days through the end of September. Basically, if you work for the government or do business with it, you'll be hardest hit.
Q: Will it harm the economy?
A: Yes. The Congressional Budget Office estimates it will cost 750,000 jobs and lower economic growth by 0.6 percent. That's because the cuts drain demand from the economy and affect companies that do business with the government.
Q: How big are the cuts? Huge numbers?
A: Over a decade, the cuts total about $1 trillion, half from defense and half from domestic programs. There's an additional $200 billion or so in lower government interest payments. For this budget year, the Congressional Budget Office estimates the cuts are $42.7 billion from defense (8 percent) and $42.7 billion from domestic programs (5 percent). Because the cuts are backloaded into the last seven months of the budget year, they feel more like a 13 percent cut to the Pentagon and 9 percent cut to domestic agencies during that period. And these are real cuts from agency budgets that have been essentially frozen at last year's levels.
Q: Aren't a lot of programs exempt?
A: Yes. The majority of the federal budget is in fact walled off from the cuts. Social Security and veterans' programs are exempt, and cuts to Medicare are generally limited to a 2 percent, $10 billion reduction in payments to hospitals and doctors. Most programs that help the poor, like Medicaid, food stamps, subsidized school lunches, Pell Grants and supplemental security income payments are also exempt.
Q: How much discretion do the agency heads have on what to cut, and when?
A: Not much. The cuts are supposed to apply equally to every "program, project and activity." That means, for instance, that the Agriculture Department can't take money designated for Boll Weevil research and use it to pay meat inspectors. Some lawmakers want to give agency heads greater flexibility to shift money around, but the administration says that would be of only limited help. The White House has told agencies to avoid cuts presenting "risks to life, safety or health" and to minimize harm to crucial services.
Q: OK, say it's now March 2, and the sequester has gone into effect. Is there any way to undo or limit it before much of its effect is felt?
A: Sure, but it'll take an act of Congress and Obama's signature. So the best chance for averting the sequester's major consequences might be to let it take effect and see if there's a widespread backlash from business and the public that somehow provokes lawmakers and Obama to compromise. That's hardly guaranteed. One legislative option would be to turn to a separate effort to prevent a government shutdown on March 27 and use that bill to address the sequester or to give agencies flexibility in mitigating its effects.
See also:


text: Wednesday, November 21, 2012 Deadline to Submit Nominations for APTA's 'Fit After 50' Member Challenge Approaches Nominate a deserving APTA member age 50 or older (yes, it can be you!) who is committed to being active and fit and who encourages others to be the same. Go to www.apta.org/FitAfter50/ and submit your nomination by November 30. Comments I started training to run 5K initially for health reason (to lower my cholesterol) at age 50, but after running my first 5K, I got exposed to the the different charity groups that are using 5Ks, Half Marathon and Marathon to raise funds. What better way to get healthy and at the same time support the charity/Cause groups. I never run for fun but for a cause. I run in support to Fight Against Child Trafficking, CHOC, American Cancer Society...call it win-win...I get healthy and other people who are struggling gets funded ecause I ran. Posted by Minerva Meeker on 11/27/2012 2:02 AM


text: Wednesday, June 20, 2012 APTA Participates in BlogTalkRadio Show on Patient Access, Value of Multidisciplinary Care Teams On June 18, APTA's Janet Bezner, PT, PhD, appeared as a guest on RN.FM's online radio station to discuss the Coalition for Patients' Rights and its mission to protect patient access to the full range of care providers, as well as the importance of multidisciplinary care teams. Other guests included Lisa Summers, CNM, DrPH, senior policy fellow at the American Nurses Association. RN.FM is a BlogTalkRadio show created by 3 nurses. To hear a recording of the show, go to the BlogTalkRadio website.


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|Hello, friends! I'm taking a break and it might take me a few days to reply to comments and emails. I'll be back! :)
Friday, November 28, 2008
Thanksgiving Who?
OK, let's talk Thanksgiving food first to get that out of the way. It was just the two of us for dinner (don't feel bad, that's how we like it), so I didn't have to cook a massive amount of food. Here's all our food on the stove top, patiently waiting to be eaten. Mr. Wing-it was not-so-patiently waiting to eat while I took the pictures.
Top row, left to right: yam slices, baked red potatoes with rice cheese, and whole wheat stuffing. No Thanksgiving mashed potatoes because we're rebellious.
Bottom row: individual meatless meatloaves and green been/cauliflower/shiitake mushroom stir-fry.
Here's a close-up of the little meatless meatloaves, I was so proud of them!
For dessert we had, Mini Pumpkin Pudding Pies with buttercream frosting. The filling is a pumpkin and coconut milk pudding. I can work on the recipe if anybody is interested but this one was a big wing-it job. By the way, that fork isn't dirty, it's just the reflection of the crust! :)
Enough with Thanksgiving! I'm ready for Christmas and Christmas themed food, like these little Lamington(ish) Christmas Gifts. They are chocolate cake squares dipped in coconut milk and rolled in shredded coconut (coconut milk holds the coconut in place). Yes, I do like coconut a lot.
The ribbons are thin strips of a Panda Raspberry Bar. I assumed the whole bar was going to be red, but it's only red on the outside and brown on the inside. Boo! Next time I will make them with strawberry fruit leather strips instead.
Anyway, I hope everyone who celebrated Thanksgiving had a lovely holiday. I'm off to read about all your festive dinners!
51 comments:
FRRRREEAKING incredible feast you had, River - yum!!ReplyDelete
Hooray for the holiday season kickin' into gear!! :-)
wowza, that is one awesome looking feast. I can't believe it's now less than a month till xmas - can't WAIT!!ReplyDelete
Those mini pumpkin pies are so adorable!
Okay! Were we separated at birth? I have a coconut thing too and can I really please move in? After those gorgeous Lamingtons, I'll mow the lawn, by HAND!ReplyDelete
What a feast! Am so glad you had such a wonderful meal.
I'm proud of your meatloaves too. I'm gonna start naming them. Huey, Dewey, Louie and er Rivvy!
- AnonymousNovember 28, 2008 at 9:41 AM
What a feast!!! I'm loving the little meatloaves and the mini pumpkin pies. I would LOVE to see the recipe for them, as I don't want to make a whole pie just for me.ReplyDelete
I can't wait to see your christmas goodies =)
What a beautiful feast! And the holiday kick-off cakes are so cute!ReplyDelete
- AnonymousNovember 28, 2008 at 10:34 AM
Everything looks incredible--what a great Thanksgiving dinner! Love those little meat loaves, too :)ReplyDelete
Your Lamingtons are just gorgeous--and what a creative bow (I actually thought they were chocolate at first glance!).
Time for Christmas baking--yay!
Yeah, I definitely did NOT get up at 5AM to go to the mall! Staying far, far away...ReplyDelete
Next year, can you make room for three at your table?
Good luck with the weight-gain quest! Seems I am on an everlasting weight-gain quest... if you find anything that works well and doesn't leave ya feeling sick and stuffed, please share!
ha ha well thanks! i seriously love your food (or how it looks atleast)ReplyDelete
im obsessed with coconut... good lord i want one!
- AnonymousNovember 28, 2008 at 10:56 AM
Wowzers! Why is your blog not called "The River of Awesomeness"?ReplyDelete
What a feast! Those meatloaves look great, I'm sad there is no recipe for them >:o(
And does the Christmas season really start the day after T.G in the States? - or just in your household? I don't put the tree up until 12 days before the big guy is due....
And are you really going to do Christmas themed food now? Like the halloween theme? Right up until Christmas?
And... no I'm exhausted, no more questions, I'm out!
Happy Holidays River!
- AnonymousNovember 28, 2008 at 11:40 AM
First off, I love your blog. So inspiring and makes me happy.ReplyDelete
Second, I've got another addition to your NFNS postings: http://www.foodnetwork.com/the-next-food-network-star-season-5/package/index.html?sortby=views&pn=2&pageref=Photo_Video-960124&vw_arrange#http://adsremote.scrippsnetworks.com/html.ng/site=FOOD&adtype=BIGBOX&Pagepos=5&category=SYNC-PREROLL
Mine! :) I'm still a relatively new vegan, but am full force heart and soul into it and introducing all of my non-veg friends and family to the amazing world of animal free eating. Any support would be great.
- AnonymousNovember 28, 2008 at 12:29 PM
Thank you for your support! Here's to hoping Food Network realizes how much vegans need a show, and how interested omnivores are in what it is we do. There is a whole world of veggie-ness that needs a platform! Too, they need someone to offset all of Paula Deen's butter and bacon. :) Happy Holidays!ReplyDelete
- AnonymousNovember 28, 2008 at 1:16 PM
Happy Thanksgiving! I am so stealing that Lamington gift idea! My grandmother will rave about these.ReplyDelete
wow! stunning as always! It's been officially Christmas here since the day after Hallowe'en so welcome to Christmastime :)ReplyDelete
river, i love all of your pictures!! your dinner looks great! i love those little pumpkin desserts. that would probably help with portion control, but i don't "do" portion control haha especially on thanksgiving!ReplyDelete
the cake squares are just precious. i can't believe you've already started christmas baking- crazy girl!
and like you, i stayed away from the mall today. the only way i would go up there is if they were giving away kitchenaid stand mixers, but that would mean i'm in heaven haha
Your feast looks great! I hope you will post the meatloaf recipe.ReplyDelete
After all those awesome Halloween treats, I can't wait to see what you cook up for Christmas!
- AnonymousNovember 28, 2008 at 3:52 PM
WOW! I wish we could get away with dinner alone but we'd have to deal with the upset parents. Moving to another city is starting to sound like a good idea! Everything you made looks so gooood!ReplyDelete
You're the first to comment on my pay it forward post! You interested in participating?
You guys are so nice, thank you for all the kind comments!ReplyDelete
Denise, I named our leftovers Huey, and Dewey! :)
Shelby, I will work on the pie recipe. Darn, I will have to eat them again!
Katie, I really hate feeling sick and stuffed, because that just keeps me from getting hungry later. I'll let you know if I have any breakthroughs!
Becks, I'll work on a recipe for the meatloaves. Christmas shopping officially started today, and people are already putting out their Christmas decorations! I will do mainly Christmas themed foods during December, hopefully I will get to post at least twice a week!
Joanie, you are so welcome! I loved your audition! Down with butter and bacon!
Joanna, I love your idea of Heaven! :)
Stacey, I'm not the "craftiest" person in the world, but I'm in!
oooh do work on the pumpkin coconut pudding/filling recipe for sure!! everything looks super yum!ReplyDelete
YUM! What a spread! It all looks so delicious.ReplyDelete
Wow, that's an amazing TG spread! I had to do a pre TG feast last week to appease Andy. We went to a potluck for the day of TG, which was amazing, but he also has to have his own private TG.ReplyDelete
Which meatloaf recipe did you use? They look fabulous. Love the mini pies too. I'm a total coconut fan. There was a coconut pudding/flan dessert last night that was to die for.
I'm so jealous of you not being able to easily gain weight.
I totally knew you had made lamingtons as soon as I saw the pic. Yum! I've never acutally had them, only seen them on blogs.
Damn, can I come over for leftovers! Oh, and I can't wait to see what all you do for Christmas treats!ReplyDelete
Hi River,ReplyDelete
Your Thanksgiving dinner looks incredible! I am always so inspired by how beautiful your food is.
Wow, that is an amazing feast!ReplyDelete
haha I'm day-dreaming what Huey would taste like with ketchup.ReplyDelete
River, everything looks amazing, especially the mini-meatloaves! So nice that you had a quiet meal together. We are visiting family, and I dragged everyone out, not to the mall, but to Earth Fare, which is like Whole Foods. Yay for vegan food in a very small town!ReplyDelete
Everything you make always looks so cute and professional! Those meatloaves look so yummy, as does the pumpkin pie tart!ReplyDelete
- AnonymousNovember 29, 2008 at 9:23 AM
River! I was about to leave a comment here, and you left on a comment on my blog - it's like we're one mind!ReplyDelete
Your little petit-fours are amazing! So beautiful! And the meaty-loaves??
Now, seriously, you've got to try to remember the recipe for the pumpkin pies!! Pretty please?
And if you want to gain some weight...just put a cast on your leg and sit around and do nothing...oh wait, that's me!?
MY GAWDS!!!ReplyDelete
I am speechless River!
That is one helluva feast girl!
It all looks so wonderful!
I too would like the recipe for the little meatloaves - they look so darn tasty and the Lamingtons just blew me away.
Delicious!! And you ARE going to post the mini-meatloaf recipe, aren't you??? Plus, lamingtons, so rad!!!ReplyDelete
Your TG meal looks deeeeelish! Also v.cute Christmas Lamingtons, I am going to try making something similar :)ReplyDelete
OMG, what an incredible spread! You totally outdid yourself. The gift wrapped candies are just stunning.ReplyDelete
OK, I'll make the meatloaves and the little pies again next week. Yes, I will sacrifice myself in the name of my blogging duties! :PReplyDelete
I'll post official recipes then!
Carrie, do you have a blog? Your profile comes up as unavailable for me. Thank you for your lovely comments! :)ReplyDelete
Everything looks A-mazing! Those individual loaves are awesome. The tartlets! And those little coconut cakes?!?! so cute!ReplyDelete
Ohhhh... so LOVE the mini pies and cool coconut "gifts" You have amazing talent and creativity!ReplyDelete
I Love your Thanksgiving feast. Potatoes with melted rice cheese sound really good. I think Brandie would love you recipe for the mini pumpkin pies. What recipe did you use for your meatloaves? They look so, so, good!ReplyDelete
Miss River, your comment on my blog was so sweet. You definitely have one of my favorite blogs, so I'll be featuring you sometime in the near future ;o)ReplyDelete
couch scratches = yuck. you can get this double sticky tape and put it on the couch where they scratch. they don't like the feeling.ReplyDelete
I have a cardboard scratcher thing and a sisal one so they have variety.
you could also give up like I did :) At some point, I should get a slip cover.
I'm just wondeirng - is your husband vegan too? I always think that it's so interesting when there is a whole family of vegans. It seems like mealtimes would go much easier.ReplyDelete
wow, i love your perfect thanksgiving dinner for 2! everything looks delicious :) and the mini meatloafs look perfect!ReplyDelete
i especially love the coconut pacakages! so cute!!! :)
merry christmas river!
Ahhh! Those coconut giffie boxes are to die for! I could just squeal, they are so cute. The mini pies are adorable too!ReplyDelete
Your T-giving eats look delish. Your food is just so gosh darn cute. I want one of those mini meatloaves, now! Yay for mashed tater rebellion! Truth be told, I could happily go without mashed potatoes for the rest of my life. This girl is content with yams, sweet potatoes, or winter squash instead!
Hi River!!!!!ReplyDelete
Oh MY GOD!!!!!!!!! Girl your such a WONDERFUL COOK/BAKER etc.!!!!! Your goodies always look so PERFECTLY PREPARED!!!!! So creative,so cute so PRETTY!!!!!!!!!! Just like little ART CREATIONS!!!!! =DDDDDD When I look at those I want to eat THEM STRAIGHT FROM THE MONITOR hah!!! =D
You're fabulous,really think bout your own bakery/shop !! =D
Enjoy your time!! Hugs!!
OMG River, you are so amazing! That looks fantastic and I want to spend my Thanksgiving with you! HeheReplyDelete
Everything looks so great! I love the little packages.ReplyDelete
- AnonymousDecember 1, 2008 at 11:26 AM
you are so talented!ReplyDelete
we stayed away from the shopping madness as well! yay! :DReplyDelete
your spread of awesomeness looks super glorious, River! WOW! and your baked red potatoes with rice cheese sound soooooo delicious! mmmmmmmmmm! i love, love, love the mini pumpkin pies & the mini loaves! and those coconut presents are just too freak'n awesome, River! you are the BEST!
we made whole wheat dressing as well! i love whole wheat awesomeness! even used our own homemade bread for it, too! hoooooooooooray for the holidays!
Those gifts are too cute! What a feast for two as well!ReplyDelete
O, I love the recipe for those pumpkin pies!ReplyDelete
- AnonymousDecember 15, 2008 at 10:46 PM
Those coconut covered chocolate cake presents are the best thing I've ever seen. I love coconut too. AWEsome!ReplyDelete
- AnonymousDecember 23, 2008 at 6:21 PM
I love the coconut "gifts"! they're so cute, I've made them to give as christmas gifts this year. I used the ppk chocolate cake recipe too and added almond extract and OMG it's amazing, I can't stop eating it and might not have any left to give away haha. The only thing left to do now is put the ribbons on, however, I tried using fruit leather and it falls apart on me or doesn't stay so I'm going to have to find something else. Any suggestions?ReplyDelete
Gaby, thank you for your commend and sorry for the delay! I'm sorry the fruit leather didn't work out, I used those raspberry bars and they were OK, but I thought the fruit leather would be even better. Did you find something that worked for you?ReplyDelete


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Happy days are here again — sort of.
New research from two well-known market metric firms, Aite Group and Cerulli Associates, finds the RIA channel is once again the fastest growing segment of the wealth management space.
Aite found the industry as a whole had "finally caught up to its pre-crisis asset levels," yet sounded a note of caution.
"Though 2012 ended on a positive note for wealth management, with firms regaining speed in the form of net new money inflows, the U.S. wealth management industry is not out of the woods yet," according to the report. "The first signs of better times are apparent in leading wealth management firms' recent quarterly results, but the industry still relies heavily on external factors, and regulatory change could still substantially alter the rules of the game."
It will be some time before the "dust settles," the report adds, around the makeup of the post-crisis wealth management industry and its future business model.
Aite went on to list the winner and losers in garnering assets in 2012. While the wirehouse channel still retained 37% of total industry assets, it represented a 0.7% decrease from the year before. Both fully disclosed and self-clearing retail brokerages followed, with 16% and 15% of industry assets respectively, representing a 0.3% and 0.2% decrease from 2011. Independent RIAs rang in with 13% of total industry assets, representing a 0.9% increase. Discount and online brokerage rounded out the list with 19% of industry assets and a 0.3% increase from 2011.
In a related note, Cerulli found that boutiques firms "bring addressability to the RIA space."
"Asset managers have been struggling for years with how to effectively address the RIA market, and boutique advisory firms allow them to target several practices simultaneously," Scott Smith, a director at Cerulli Associates, said in a statement.
Smith added that the firm has seen a significant increase in the independent advisor market share from 29% in 2007 to more than 34% 2011.
As more advisors move toward independence, he argued, they become more challenging for managers to address; however, by targeting boutique advisory firms, asset managers are able to gain entry into and target this growing market segment.
According to Cerulli, the defining features of a boutique are that the firm is of limited scale, focuses on "above average" advisors, and operates in an "advisor-centric" model, meaning that advisor-client relationships are central to the firm's value and revenues.
The firm concluded that the sophistication of high-end independent wealth management practices and boutique providers could "rival anything offered by the legacy providers and that independent advisor market share will continue to increase over the next few years."
Check out Are Financial Planners Failing to Set Themselves Apart? by Michael Kitces on ThinkAdvisor.


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Tony Davidow is a man on a mission, carrying his message of fundamental indexing wherever he goes.
Tagged with the title of "The Equal Weight Evangelist" in the pages of Investment Advisor magazine in 2011, Davidow recently departed his post as portfolio strategist and head of the ETF Knowledge Center for Guggenheim Investments to join the Schwab Center for Financial Research as its alternative beta and asset allocation strategist.
The Schwab Center for Financial Research's roster of experts includes stock and bond experts who are regularly cited by the media on investing issues. Familiar names on the roster include chief investment strategist Liz Ann Sonders, market and sector analyst Brad Sorensen and fixed-income strategist Kathy Jones.
Research from Charles Schwab & Co.'s Resource Center can be found here.
Since Schwab came calling late last year and he joined the firm in January, Davidow has spent a lot of time quietly working on white papers about fundamental weighted exchange-traded funds—he compares the Center for Financial Research to a think tank—but in a recent conversation with AdvisorOne, he said he looks forward to getting back on the conference circuit and getting the word out about fundamental indexing. His audiences will include both retail and institutional investors.
"At Schwab, I'm encouraged to have a free and open view of the world," Davidow said. As Schwab's fundamental indexing specialist, he said, his task is to "look objectively at active and passive strategies" and find the sweet spot in the middle, where indexes and fundamentals meet.
Davidow then name-checked Rob Arnott, chairman of Research Affiliates, who came up with the idea of fundamental indexes in 1999. Instead of weighting stocks in an index by their capitalization, as promoted by people such as Vanguard's John Bogle, Arnott's newer indexing strategy weights them according to fundamental factors including revenues, or earnings, or a combination of such factors.
Schwab filed regulatory paperwork earlier this spring for a lineup of ETFs that will use fundamental indexes, with five of the proposed funds being replications of open-end mutual funds that Schwab already runs, IndexUniverse reported on March 15.
To be listed on the New York Stock Exchange's Arca electronic trading platform, the funds are:
- Schwab Fundamental U.S. All Company ETF (FNDB), to be based on the Russell Fundamental U.S. Index
- Schwab Fundamental U.S. Large Company ETF (FNDX), to be based on the Russell Fundamental U.S. Large Company Index.
- Schwab Fundamental U.S. Small Company ETF (FNDA), to be based on the Russell Fundamental U.S. Small Company Index
- Schwab Fundamental International Large Company ETF (FNDF), to be based on the Russell Fundamental Developed ex-U.S. Large Company Index
- Schwab Fundamental International Small Company ETF (FNDC), to be based on the Russell Fundamental Developed ex-U.S. Small Company Index
- Schwab Fundamental Emerging Markets Large Company ETF (FNDE), to be based on the Russell Fundamental Emerging Markets Large Company Index
Read Tony Davidow on What's Next for ETFs? at AdvisorOne.