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Nepal, Tibet and Bhutan Tour is inclusive Tour which operates from Nepal. Nepal, Bhutan and Tibet have its own different recognition which are really unlike to each other.
Day 01: Arrive in Kathmandu
After arriving Kathmandu, our representative will welcome and pick you up from Airport, then transfer to Hotel.
Day 02: Kathmandu
Half Day City Tour in the morning from 8 am to 11 am. Kathmandu Durbar Square ( Malla and Shah dynasty Palace, Kumari temple, Shiva Parbati Temple, Taleju Bhawani) and Swayambhunath (Buddhist monastery, which is located on the top of the hill in Kathmandu valley from where you can enjoy with some nice view of mountain and beautiful scene of Kathmandu Valley with other buddhist related stupas and temples)
In the afternoon Half Day Tour from 1 pm to 4:30 pm: Visit Patan durbar Square which city is famous for fine arts of Nepal. You can experience about the Nepali metal work, Temple made by a stone, Water spouts, word carving and stone sculptor and Tibetan Carpet weaving center.
Day 03: Kathmandu
Half Day City Tour in morning from 8 am to 11:30 am. After breakfast, start the trip to visit Kathmandu Valley with its various important religious centers; Pashupatinath (Holy Hindu Temple), nearby along the banks of the Bagmati River, where is the cremation area for the dead,
Boudhanath is located 7 km far away from City center of Tourist district and it is possibly the largest stupa in the world and the center for Tibetan school of Buddhism. One can see the pure Buddhism and Buddhist monks with their daily activities having done there.
Afternoon 1 pm to 4:30 pm visit to Bhaktapur City the medieval Malla Durbar square and city of devotes and old traditional Newari city with the best preserved of all the ancients cities of Kathmandu Valley.
Day 04: Depart to Lhasa (3650m)
Fly from Kathmandu to Gongar Airport, Lhasa in Tibet.
After arriving Airport our Tibetan Tour guide picks you up and drive to 100 km Lhasa city. Rest in Hotel for acclimatization.
Day 05: City Sightseeing in Lhasa (3650m)
For city tour in Lhasa, our guide will take you Potola palace, Drepung Monastery, Barkhor street Market, Sera Monastery etc…..
Day 06: LHASA SIGHTSEEING (3650m)
Next Guided sightseeing tour of Jokhang, the central cathedral of Tibet, Barkhor, the bustling Lhasa market encircling the Jokhang Temple, Tibetan Medical Center & Norbulinka Palace.
Day 07: LHASA to GYANGTSE (3990m, 350 Kms).
Drive to Gyangstse via Yamdrok Tso Lake, the Turquoise Lake, to across the Gyangtse, we should pass two high passes say Kampa-la (5050 m) & Karo-la (5045
m) passes. Visit Kubum Stupa & Pelkor Chode Monastery for sightseeing.
Day 08: GYANGTSE to SHIGATSE (3860m, 90 Kms).
Drive from Gyangtse to Shigatse. You will visit Tashilhunpo Monastery, the seat of Panchen Lama who is the 2nd in the Tibetan Buddhist religious hierarchy & Shigatse Market.
Day 09: SHIGATSE to SAKYA-SHEGAR (4350m, 232 kms).
Drive to Shegar, you have to across two higher passes like Tsou-la pass (4500 m) & Gyatso-la pass (5220 m). En route visit Sakya Monastery.
Day 10: SHEGAR to ZHANGMU (2300 m, 160 Kms).
Drive over Lalung-la pass to Zhangmu. En route visit Milarepa Cave. Hotel.
Day 11: KODARI to KATHMANDU (125 kms).
From Zhangmu, come down to Friendship Bridge and across to Nepal side & transfer to Kathmandu.
Day 12: Kathmandu
Prepare for depart to Bhutan or Free for shopping etc.
Day 13: Depart from Kathmadu to Paro (Bhutan)
After arriving in Paro airport, you are met by our guide and take to capital city Thimpu, 2:5 hours driving. Check in hotel and after refreshment, stroll in the township.
Day 14: City Tour At Thimpu
Explore the fascinatingly colorful town of Thimphu . You will visit the Arts and Crafts school, Traditional Medicine Institute, King Jigme Doreje Memorial Chorten, traditional paper factory, Botanical Garden where you can watch yak and the National animal of Bhutan-Takin. In the afternoon, you will explore downtown Thimphu on foot and will visit Handicrafts Emporium. If you are in Thimpu on week-end days, do not miss week-end market.
Day 15: Thimpu to Paro
Early morning, drive back to Paro and embark on sightseeing tour. Visit 200 year old Watch Tower (Ta Dzong), the ruins of historical Drugyel Dzong, Drugyel High School and Kyichu Lhakhang, the oldest monastery in the valley built in 7th century. After lunch we drive up-to Chelila Pass (Alt. 12,402 ft.) to view the spectacular scenery of Mt. Jumolhari as well as Haa and Paro Valley.
Day 16: Arrive to Kathmandu and transfer to Hotel.
Day 17: Transfer to Chitwan National Park for Wild Life Safari. Uppon arrival at Chitwan, our representative pick you up from bus station or airport and drive to Hotel. After lunch we operate few activities and cultural program at evening. Chitwan National ark (190 kms – 5 hrs drive).
Day 17: Chitwan
Full day Jungle activities like Elephant ride, Village tour, Canoe Trip, Nature walk, Elephant breeding center etc….
Day 18: Chitwan to Kathmandu (190 kms – 5 hrs drive).
In the morning Jungle activities like as bird watching and having breakfast depart to KTM.
Day 19: Departure to onward destination.
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Well, its all over, the festivities, the overeating and the celebrations. In fact we don't take down our decorations til 12th Night or Epiphany. It was a tradition we followed in the UK, not sure if anyone still does it, and I feel deep down it is unlucky if I take them down before then. Just thought, Shakespeare wrote a play called Twelfth Night or What You Will. I don't remember any references to Christmas decorations though. Of course they didn't have Christmas Trees in his day, that was started by the Germans somewhat later. Our tree is smothered in Candy Canes and we end up with more every year as they are handed out at the bowling alley. When we take the tree down they all go into a bag and then into the freezer for next year.
Matt had an appointment with the dermatologist yesterday. When we got there, I have never, but never, seen so many Christmas Trees. Everywhere you turned was another tree. What fascinated me, one of the ones in his treatment room was decorated with all kinds of elephant ornaments. Never seen that before. Another one in the waiting room where there were at least a couple of trees, was principally balls that looked like Wedgewood pieces, Wedgewood blue with white. Matt thought they were wrong for Christmas, I thought they looked great. They weren't Wedgewood you understand, but they looked like they could have been. I wouldn't mind a few of these myself. I was a bit surprised they still had the decorations up, I thought I was about the only one who hadn't taken them down.
I have mentioned before, underneath the dermatologists office is a Scottish Bakery so I popped in and got us some Cornish Pasties for supper. Delicious. I have two in the freezer for a later date as well. I bought some Welsh pancakes for me too, Matt isn't keen on them. Used to have a member of staff at the yacht club my parents ran who made them for me all the time as a kid, they were great. In the picture they look very much like the pancakes made in North America for breakfast, but they weren't quite the same. Not sure what the difference is, but they don't taste the same at all. I don't have honey or syrup on them, just spread them with butter like a slice of bread, yum.
I used to do a recipe called Moroccan Chicken which had orange juice in it, this put me in mind of it although not really similar. This one sounds flavourful and was recommended by a friend in Ireland who has just cooked it.
Moroccan Chicken One-Pot
BBC Food
Serves 6
You don't need a clay pot to whip up a fragrant, North Africa tagine - throw it all in a casserole dish and top with feta, mint and lemon
- 4 boneless, skinless chicken breasts
- 3 tbsp olive oil
- 2 onions, 1 roughly chopped, 1 sliced
- 100g tomatoes
- 100g ginger, roughly chopped
- 3 garlic cloves
- 1 tsp turmeric
- 1 tbsp each ground cumin, coriander and cinnamon
- 1 large butternut squash, deseeded and cut into big chunks
- 600 ml chicken stock
- 2 tbsp brown sugar
- 2 tbsp red wine vinegar
- 100 g dried cherries
- 1 small red onion, finely chopped
- zest 1 lemon
- handful mint leaves
- 100g feta cheese, crumbled
- couscous and natural yogurt
- Season the chicken. Heat 2 tbsp of the oil in a flameproof dish, then brown the chicken on all sides. Remove the chicken to a plate. Whizz the chopped onion, tomatoes, ginger and garlic into a rough paste. Fry the sliced onion in the remaining oil in the dish until softened, then add the spices and fry for 1 min more until fragrant. Add the paste and fry for another few mins to soften.
- Return the chicken to the dish with the squash, stock, sugar and vinegar. Bring to a simmer, then cook for 30 mins until the chicken is cooked through. Lift the chicken out and stir in the cherries, then continue simmering the sauce to thicken while you shred the chicken into bite-sized chunks. Stir the chicken back into the sauce and season.
- Mix the red onion, lemon zest, mint and feta. Scatter over the dish, then serve with some couscous and yogurt.
Have a great day

subset: commoncrawl


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We to The Paddock Club of Gainesville. Located in the city of Gainesville, The Paddock Club is close to everything, just minutes from the University of Florida, home of the Florida Gators. Community Amenities: Sparkling pool with fountain and sun deck, Heated outdoor whirlpool spa, Controlled access gates, Private garages with remote control access, Athletic facility.
Interior Features: Laundry rooms with full-size washer/dryer connections as well as an on-site clothes care center, Spa-like bathrooms with large jetted tubs, double sinks, and separate stand-up showers*, Cozy wood-burning fireplaces*, Private screened patio/balcony with exterior.
We're located in an award winning school district, less than 10 minutes from 2 public golf courses (Meadowbrook, West End). We offer direct access to I-75, minutes from North Florida Regional Hospital and Oaks Mall, University of Florida and Santa Fe Community College.
© 2020 AdsInUSA.com - All Rights Reserved.


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The Corporate Restructuring practice group at Drinker Biddle & Reath LLP announces the launch of its new podcast series: Mastering Insolvency and the Debtor/Creditor Relationship. This series, led by Philadelphia based partner Andrew Flame, is designed for business professionals, addressing basic bankruptcy and insolvency issues and offering strategies to maximize recovery and limit risk arising from financially-challenged customers.
The first three podcast episodes can be found at the links below:
- Oh No, My Customer is Bankrupt, Now What? (Part 1)
- Oh No, My Customer is Bankrupt, Now What? (Part 2)
- Keeping What You've Earned: Bankruptcy Preference Actions and Your Defenses
And coming soon:
- Selling Bankruptcy Claims – Cash Now, But at What Cost?
- Good Collection Practices and Minimizing Customer Insolvency Risk
- Troubled Customers – Do I Stay or Do I Go?
- Bankruptcy's Automatic Stay: Avoiding Unlawful Conduct While Exercising Your Rights in Bankruptcy


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As the new pen roll (which is awesome and which I still haven't shown you in full!) holds 8 pens, consequently the number of inked pens has grown to 8 as well and I'm even having difficulties sticking to this number! This is partly because I'm having so much fun mixing inks and pearl luster pigments. I used to make my own teal & gold mix before Emerald of Chivor came out but Leigh Reyes's post about colorful luster pigments pushed me right over the edge into sparkles wonderland!
Maybe that's why I love demonstrators so much these days.
Sadly the Lamy Vista hasn't worked well with my sparkling ink mixes, when none of my TWSBIs had the slightest trouble with the amount of pigment added the Vista feed kept clogging up so I've cleaned it out and filled it with Stipula Zafferano. That one is very light indeed though so I might add some red or orange to improve legibility.
From left to right:
- TWSBI Vac with IB nib, Octopus Karibik
- ST Dupont Olympio XL with IM nib, Herbin Bleu Ocean
- Pelikan Fantasia with IBB nib, Herbin Gris Orage
- TWSBI Eco with 1,1 italic, Iroshizuku Yama Budo (+ sparkles)
- Conway Stewart Churchill with IB nib, Octopus Karamell (+ sparkles)
- Montegrappa Miya Argento with IB nib, Sheaffer Skrip Black (+ sparkles)
- Lamy Vista with 1,1 italic, Stipula Zafferano
- Montegrappa Extra 1930 with IB nib, Noodler's Cayenne


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While M&A activity in the non-life insurance sector has shrivelled away to almost nothing in recent months, companies looking to expand in the life market are scouting around for opportunities across the globe.
There were no billion dollar-plus deals in the insurance sector in the first quarter of 2002. In fact, deals of any value have been few and far between since the beginning of the year. Some of the most marked declines in the financial services industry were in the insurance sector, where deals all but completely stopped.
"Obviously, this is one of the worst quarters in financial institution M&A recent history," said Bjorn Turnquist, director of financial services and insurance research at SNL Financial in a statement.
"Investors continue to be skittish toward M&A. They're still coming to grips with accounting and economic uncertainty. I don't think companies are willing to do deals as there continues to be constant rumours of some mega-mergers. But companies are focusing on the profitability of their core businesses and still digesting deals from the past."
Just $99.7m worth of M&A deals were announced/completed in the first quarter of the year; this represents a 97% decline when compared to figures for the same reporting period last year. There was a total of 52 deals compared to 71 in the first quarter of 2001: a 27% decline in volume. Deal value fell to $99.7m from $3.9bn in the same reporting period last year (this figure has been corrected to exclude the failed $24bn bid for American General Corp (AGC) by Prudential - American International Group [AIG] did not announce its counter bid until the second quarter of the year).
"There's uncertainty with the insurance industry, as companies are currently unwilling to take the risk of another company's business and infrastructure," said Turnquist. "There also have been plenty of rate increases, so there is not as much pressure to grow through acquisition."
Life and health insurers, partly as a reaction to the bull market for stocks, have started to move away from traditional `protection products' such as life insurance to asset accumulation products. Annuities have become a hot product for many insurers according to SNL Financial, as the sector continues to experiment with new distribution channels in a bid to reduce costs and improve profitability.
Despite the dearth of M&A activity, PricewaterhouseCoopers Transaction Services Group has said that there could be an increase in cross-border deals over the next 18 months. Bigger European firms may look to the US for possible acquisition targets as harder-hit firms look more attractive.
Managed care
Deal volume and value decreased significantly for US companies in 2001 with most deals occurring in the first half of the year. European acquirers were scarce; with the exception of Old Mutual's $635m acquisition of Fidelity and Guarantee Life, European insurers buying into the US were notable by their absence.
Similarly, there was little evidence of interest in the insurance sector from banks or financial institutions in the US. Despite clear regulatory go-ahead, thanks to the implementation of the Financial Services Modernisation Act, banks gave insurers a wide berth, instead continuing to focus on the fee-generating side of the business by acquiring insurance agents, which offer products that can be channelled through the branch network.
Just one life-related deal scrabbled its way into the top ten US and US cross-border transactions across industries for the quarter, according to figures from US firm Mergerstat: Anthem Inc's acquisition of Trigon Healthcare. The deal, worth an estimated $4bn based on Anthem's closing price on 29 April 2002, saw Trigon shareholders get $30 in cash and 1.06 shares of Anthem stock per Trigon share. Indianapolis-based Anthem operates Blue plans in Indiana, Kentucky, Ohio, Connecticut and other US states, and the acquisition continues Anthem's aggressive strategy of buying up managed care plans across the country. The company put in a $675m bid for Cerulean Cos, the parent of Blue Cross and Blue Shield of Georgia in November 2000, but lost out to WellPoint Health Networks, which offered $700m. Trigon also made an offer CareFirst, but once again was beaten by WellPoint, which secured the deal with a $1.3bn stock and cash offer. The deal catapulted WellPoint to the top of managed care companies in the mid-Atlantic area.
The decline in M&A activity in the life sector was largely the result of less favourable economic and capital market environments, the immediacy of claims payments following September 11 and a period of post-merger integration after high levels of consolidation between 1998 and 2000. But activity is expected to pick up in 2002 and beyond, as competitive forces including slower organic revenue growth, a converging financial services marketplace, and the advantage of size - in terms of economies of scale and ability to ride out economic environments - make growth through acquisition more attractive, according to rating agency Fitch.
The rating agency has given the North America life insurance industry a negative ratings outlook for 2001-2002, although it is planning to review this later in the year. The outlook is driven by several factors: intense competition; a shift to lower-margin products due to changes in consumer demographics, expectations and preferences; declining sustainable earnings and capital growth rates; and increased earnings volatility resulting from an increase in earnings drivers outside management control.
During 2001 there was just a handful of notable deals beginning with AIG's acquisition of AGC. Without AIG's $23.4bn counter bid for AGC - the target of Prudential's failed bid - the top ten deals, which totalled $33.4bn in 2001, would barely have scraped the $10bn mark compared to the $18.3bn total for the top ten deals in 2000.
Prudential's bid received a negative response in London, Wall Street asked questions about the viability of such a transaction, and AGC shareholders indicated that they were not happy with the all-paper nature of the deal, as they didn't want Prudential stock.
Valuations for the deal varied dramatically. Prudential's offer had an implied value of $49.5 a share, but a 15% drop in American Depository Receipts (ADRs) and a fall in stock price saw the original offer price drop to $23.4bn, and at one point below $20bn. Prudential's stock was savaged by investor concerns that at three times book value it was paying too much for AGC, although many analysts felt this was in line with market values.
The high levels of market and shareholder disapproval left the door wide open for counter-offers and just three weeks later AIG made an unsolicited counter-offer for AGC, outstripping Prudential's offer by $5 per share. Unlike Prudential, AIG put a collar mechanism in place to protect US shareholders from any fall in share prices, which added to its attraction. The tussle was short-lived and AIG won the battle, leaving Prudential with just a $600m break-up fee; small comfort to the company that had missed out in quite spectacular fashion.
The AIG/AGC deal was just one of a number of transactions in the North American life sector in 2001, a year that saw little deal action in the non-life arena, the notable exception being XL Capital's acquisition of Credit Suisse Group's insurance subsidiary, Winterthur International Insurance Company for $600m.
Swiss Re also hit the acquisition trail, buying Lincoln Re, the reinsurance arm of US insurer Lincoln National Corp, for $2bn. The deal saw Swiss Re, the world's second-largest reinsurer, consolidate its leading position in the US market, adding Lincoln Re to its North American life and health unit.
The acquisition provided the company with a 29% share of the US life and health market for reinsurance.
Lincoln National decided to sell off its reinsurance unit because of unpredictable earnings and planned to use the proceeds from the sale to buy back stock. It also opted to spin off the reinsurance arm to concentrate on the asset management side of the business.
Liberty Financial's deal with Sun Life Financial Services of Canada in May might have been nothing to write home about in terms of value compared to AIG/AGC, but the deal was, nevertheless, very significant for the Canadian firm. Liberty Financial's divestment of Keyport Life Insurance to Sun Life for $1.7bn in cash - a value which included Liberty's Independent Financial Marketing Group - almost doubled the size of Sun Life's US annuity business, making it the tenth largest competitor in the US variable market and in the top ten in the fixed income market.
The deal ended months of missed opportunities as prospective whole-company buyers simply passed by. At the time analysts labelled the transaction as a good move for Sun Life which would gain some additional capabilities at a reasonable price.
Liberty, which had languished on the market following announcements that it was up for sale in the autumn of 2000, got a good price, according to analysts. Prudential, AGC and First Union Corp were all rumoured to be interested in the Boston-based subsidiary of Liberty Mutual Insurance. But no concrete bid emerged: Prudential instead made a bid for AGC and First Union Corp bought Liberty rival Wachovia Corp.
How the land lies
The life M&A landscape is likely to become more varied over the next few years compared to 2001, according to Fitch, and is expected to include more insurance company acquisitions of asset managers and stand-alone concerns, and ultimately convergence. Although a number of insurance companies, which bought investment management companies in the boom years, have been burnt by a significant reduction in value due to the equity market downturn and the subsequent decline in assets under management, insurers that shied away from the sector may again look at asset managers, which are now more reasonably valued.
Heavy losses in 2001 have spurred companies to rethink corporate strategies and in many cases make a swift exit from unprofitable business lines in an attempt to stem further profit losses. St Paul Cos, which has put its domestic and international medical malpractice unit into run-off, is opting to shut specialist business units rather than sell them off. The firm has also said its reinsurance unit will no longer underwrite aviation reinsurance, bond and credit reinsurance or offer financial risk and capital markets reinsurance products. It also plans to significantly reduce the North American business it underwrites at Lloyd's.
St Paul was the second largest writer of medical malpractice insurance with forecasted written premiums of $530m for 2001 - about 10% of the medical malpractice market. Its departure from the market will cause significant levels of disruption, according to Fitch, as policyholders "scramble to replace lost coverage and other insurers look to increase their market share".
Fitch believes that similar action could be taken in the future by other companies exiting major lines of business because of concerns about future profitability.
There is also evidence of primary insurance companies retreating from the reinsurance sector. Lincoln National sold its reinsurance unit to Swiss Re for $2bn because of volatile earnings and in order to concentrate on the asset management side of its business. Zurich cut its ties with its reinsurance operations, now known as Converium. Similar moves include: Fairfax's sale of 26% of Odyssey Re Holdings; the retrenchment of CNA Re, Hartford, St Paul and Denmark's Alm; and Copenhagen Re's decision to stop writing new business.
Eastern promise
In 2001, AIG, Manulife Financial and Prudential Insurance Company of America followed GE Financial and European insurers AXA Group and ING in partnering or purchasing Japanese companies in order to establish sales and marketing presence. This continued the push into the Japanese life market predominantly by North American insurers.
Aegon has said it is looking at M&A opportunities in the Taiwan life market which continues to consolidate.
"We see a lot of opportunities for us . . . we will continue to look at acquisition opportunities," Alexander Wynaendts, group executive vice-president of Aegon told reporters at a briefing ahead of the signing of a joint venture agreement with China National Offshore Oil Corp (CNOOC).
Since starting greenfield operations in Taiwan in 1994, Aegon has made a number of acquisitions.
"Taiwan has been a market that has been consolidating a lot; the number of players has been reduced and some foreign players have exited the market, especially players who have not been able to achieve critical size. So we see a lot of opportunities for us," said Mr Wynaendts.
The joint venture with CNOOC, which has yet to be named, is a 50:50 agreement, under the terms of which each company will invest $24m. Aegon has been granted a license to operate in China through its subsidiary Transamerica and plans to combine its insurance expertise and management skills with CNOOC's knowledge of the Chinese economy. The joint venture will be headquartered in Shanghai and launched in 2003, provided it receives regulatory approval.
Total life premiums in China in 2001 were $17bn, up 43% from the previous year. Shanghai accounted for 10% of this increase. Growth is expected to continue as China's per capita GDP grows and the population becomes more aware of welfare protection and wealth accumulation.
Bancassurance as a concept is still struggling to take off in the way industry observers and analysts had expected. In the US, convergence is rare and in the wake of news about Citigroup's decision to spin-off Travelers it is unlikely to be welcomed - in the non-life sector at least - for sometime. Indifference towards convergence has been attributed to complex regulatory burdens and vastly differing business models. The main reason however, is more likely to be that many insurers' lines of business are too volatile to be an attractive prospect for banks, which are already being pushed to make higher revenues than at present - a level that exceeds current insurance revenue streams and undermines the need for banks to acquire insurers.
According to rating agency Fitch, the slower, reliable revenue growth of life insurers would be a better bet. Prior to the events of September 11, Fitch suggested convergence would have a greater impact on the life sector, as life insurers continue to evolve further into asset accumulation companies with products similar to those offered by other financial services providers.
By Clare Bates
Clare Bates is the deputy editor of Global Reinsurance.


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FT1000MP & MarkV
Interface a FT1000MP/Mark V rig to an Icom PW1 amplifier.
I have a Mark V Field and 756 Pro interfaced to my Icom PW1.
If you want automatic band switching, antenna selection, etc. between your Yaesu
and PW1 I highly recommend the microHAM band decoder. I have this unit in my
shack and it works wonders with the Mark V Field / PW1 as if the Yaesu was an
Icom. If you go this route you will need:
(a) the microHAM band decoder
(b) the 8 pin DIN cable that connects the Mark V to the 8 pin DIN jack on the
decoder. Note you can elect to go with the CAT cable between the decoder and the
CAT connector on the Yaesu Mark V, however, if you do so you will NOT get the
decoder to read you MEMORY settings. So I highly recommend the 8 pin DIN cable.
(c) the cable for the decoder to the PW1.
(d) configuration software that comes with the decoder. It is easy to configure
the decoder for just about any rig.
Setting up the Mark V and PW1 with the decoder should take all of 5 minutes and
is done as if the Mark V is an Icom rig.
You may need different cables for a FT-1000/D which I am not sure about.
Support from Jozef at microHAM is excellent. The product is outstanding.
Hope this helps...Harry. WE1X
Home | 901 Scope | Amplifiers | Band Select | Cat Cable | Digital | Icom PW1 | OptoCat
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Mounting of this push broom onto your vehicle happens in a twinkling of an eye and it easily sweeps all dirt fast and effective. The SOLO can be used in agriculture, gardening and landscaping, construction, industry, forestry, horticulture, horse breeding and riding stables and in zoos.
Working width: 150 / 190 / 230 / 280 cm
Basic equipment:
- 11 brush rows, 100 %-PP full brush
- Stable basic frame
- Fork-tine hitch
- Safety chain
- Parking stands
Hitch systems:
- Fork-tine hitch
- Shovel hitch
- Three-point linkage
- A-frame
- Yard- and front loaders
Each machine can be configurated individually according to your requirements.
For further technical details and equipment, please refer to the leaflet.


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Even though the Easter season is only halfway through, I'm retiring the plastic and wooden Easter eggs. I can't handle it anymore. Ds likes to test them out as if they are balls. He drops them from heights, throws them across the kitchen to watch them open in two and dumps the baskets or buckets of eggs onto the floor in various places. And I'm not getting complete cooperation in cleaning them up after playing with them. I'm slipping on eggs, trying to teach a lesson, but I'm losing the battle. My house is being overrun with plastic eggs. Back to the Easter box for next year.
So why post about plastic eggs in a food blog? DS is ALLERGIC to real eggs. He can't eat them without having an anaphylactic reaction and he can't touch them (or have other people who touch or eat them then touch him) without getting hives. I don't want to condemn all eggs, even the kinds that can't harm ds, just because he's allergic. Now, if he couldn't be in the same room with the smell or odor of eggs without reacting, I think I would have a stronger stance. So I'm writing about having eggs in a non-allergic fashion.
I love eggs, especially at Eastertime. The new life bursting out of a shell is the perfect symbol of the Resurrection–Jesus coming out the tomb. I love the traditional art of decorating eggs, such as the Ukrainian pysanky eggs. I've enjoyed trying my hand at making pysanky, too. Every year we decorate and dye eggs with the extended family. It's an ongoing tradition. We use Crayons and cover the eggs with Easter symbolism and alleluias and then dye them. The most beautiful egg with Alleluia becomes the special buy levitra online 24 hours http://v-nep.org/classroom/how-to-format-a-research-report/04/ https://pharmacy.chsu.edu/pages/outline-format-for-elementary-students/45/ ad for homework help geothermal energy thesis pdf essay car where can i buy viagra in the philippines my freshman year of highschool essay thesis statement on the revolutionary war donde comprar cialis seguro what is the goal of a research paper how to cite a website article in apa with no date go site esl admission essay editor service for mba thesis work meaning see proofreading services online uga cover letter examples how do i type documents on my ipad get link thesis topics glaucoma https://www.cochise.edu/academic/essay-practice-online/32/ cialis2.5 source link go here edit my college essay how to find theses online writing the thesis buy essays australia essay on friend viagra gel packs Alleluia Egg for the Easter Egg Hunt on Easter Sunday.
But that was before ds was diagnosed with egg allergies. I've had to cut back on our "egg hoopla" for Easter. But he wants a part of the traditions, so this Easter we dealt with eggs head on. Okay, not exactly head on, but some ideas that made it easier to deal with his sensitivity and allergy to eggs.
1) Painting: I couldn't do pysanky eggs, nor color eggs, so we painted. We painted a wooden cross from the Dollar Store and wooden eggs with colorful paints. I also created a Resurrection Garden scene, with a Sculpey tomb. Ds and I had fun painting that, also, and getting the materials to create the rest of the scene.
2) Plastic eggs in abundance: My one brother-in-law runs the Easter Egg Hunt at my mother's house. He set aside a part of the yard as my son's area and hid plastic eggs for him (before he touched the other eggs, too…very thoughtful). Ds searched for eggs while the rest of the hunt went on around him. He felt that he was a part of the activities.
3) White House Easter Egg Roll: We had the privilege of attending this year on Easter Monday. Egg Rolls is an old tradition that harkens back to the stone that rolled back from Christ's tomb. Although very wet (it rained the whole time we were there), ds really enjoyed the sport of rolling an egg to the finish line with a kitchen spoon. With the long spoon, ds could play without touching the egg. Next year, I want to have an egg roll in our own backyard.
4) Dying eggs: We didn't color designs with Crayons this year, as touching the eggs can spread the allergens. I strove for minimal handling. So we used food coloring and dyed eggs. We only did a dozen, and dipped straight into the cups. Ds was fine watching and supervising, but no touching. He loved the result and talked about the beautiful colors, but no contact, so no reaction.


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14/2/2013 Stewart V
After purchasing a messmate timber "Patchwork" dining table for nearly $4000 in June 2012, the panels on the table surface started separating from the surrounding frame.
On contacting Lifestyle Furniture, the proprietor Mark Mortelliti actually visited us to view the problem for himself, agreed it was unacceptable and arranged for it to be removed, fixed and returned.
We were pleasantly surprised and grateful for what, in this day and age, was a refreshing commitment to customer satisfaction.
We responded by purchasing a matching TV entertainment unit and will be happy to keep checking out Lifestyle Furniture's great range of beautiful Aussie timber products.
Hi Mark,
Just a note to say thanks for looking after our table repairs. Table is back in place and repair job looks slick.
Regards Darren
Hi Mark,
The coffee table has just arrived and it's PERFECT. We're delighted. Thanks so much, Sally & Joe
Sent from my iPad On 17 Oct 2013, at 5:53 pm
Hi Mark,
It is slightly over a year since we moved into our new home at Blackburn South. The house is large, well built, and comfortable for "three generations under the same roof".
A house is made more comfortable with the type of furnishing to match our life style and décor taste. As you recall, we have chosen to furnish our home with a number of matching furniture that enhances the quality of the house. Our range of solid furnishing all came from your company: TV unit, matching coffee table, refractory dinning table, dinning chairs, sideboard and hall unit. We are pleased to note that the furniture is solid, well built and it gives a feel of class.
The choice of furnishing was fun for the family and in dealing with your company, you in particular helped in our selection process. The delivery was careful and timely.
We take this opportunity to thank you and wish you and your company success.
Regards, Mun Chin, Thu 17/10/13 7:30 AM


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I'm stressed out. You want to know why? Because Charleston Power Yoga's free weekly class starts at 4:15 p.m. on Fridays. I mean, come on. Don't they realize I'm at work at that time? And that I'm stressed out because it's a Friday afternoon and I'm at freaking work and all I want to do is some yoga but I can't really afford to do it any other day of the week? Jesus. I'm really glad I found out about Jivamukti Yoga Charleston, which is just a hop and a skip over the bridge into Mt. Pleasant. They offer a bunch of "Hi-$5" classes throughout the week, held at the practical time of 6 p.m. or later. The Tuesday that I went, the studio's director Jeffrey Cohen was an incredibly helpful instructor, cracking jokes throughout his session and creating a supportive environment perfect for dedicated yogis or inflexible klutzes (like me). And I don't have to stress about my bank account anymore, either.
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The "P" word. What word am I defining? Calmly tolerating provocation or delay...bearing misfortune or pain without complaint. Did you get it? If not, I have one more hint from a nine year old. "I think it is waiting for stuff even when you don't want to." Yes, the word is patience. Sometimes the simplest explanations are the best!
Have you ever stopped to think about the number of times on an average day you have the opportunity to practice patience? In a high-tech, internet-based, "I need it yesterday" world, patience no longer seems necessary, but in my humble opinion, it is more necessary than ever and really is a virtue.
Patience requires us to think beyond ourselves, as it usually involves others. In just one day, I found myself irritated in heavy traffic, in line at the grocery store, in line for a bike at the gym, sitting on hold for customer service and upset with the assumed incompetence of a business associate. By day's end, my mood was lousy.
Rather than pouring myself a glass of wine and making the best out of the remainder of the day, I decided to analyze my mood. Why was I irritable? Could I be part of the problem? Of course, the things that irritated me irritate most people, but they were things either out of my control or involved others. My personal challenge for the next day was to exhibit patience in every scenario that called for it. What an amazing difference this one decision made in my day!
When traffic was heavy, I popped in a book on tape and actually sat in my driveway for an extra ten minutes listening to it once I got home. When a business associate was about to get on my last nerve, I took a deep breath, smiled and asked what I could do to help solve the problem.
Each time patience was required, I accepted the situation and either reworked my plan or got involved to move things along. It worked!! I was not irritable at the end of the day and it actually felt good knowing I had helped others who were stressed as well.
In a world of people divided by socio-economic, religious and political differences, there may be no better medicine for the soul than to put all this "stuff" aside, use a little patience and take the time to really see another person's situation. Our own problems are automatically put into perspective and it becomes easier to lend a helping hand. One act of kindness can make a world of difference in another person's life. It may not be what you did for them, but that you did it.
Have you seen the movie "The Blind Side"? I strongly urge everyone to take the time to experience this movie. It is a true story that shows the best and worst in all of us. In the end, however, with the support of her family, one woman's big heart, patience and belief in another person changes all their lives. It is true testimony to the power of reaching out to others.
I recently published my first children's picture book, "Anastasia Pickering, Anastasia's Rain," featuring Anastasia, Rufus the dog and Patience the fairy. This book is meant to be a teaching tool for values and life lessons. The lesson for Anastasia is .... patience of course! As I say in the book: "Patience is hard to learn, but important to use." Teaching our children the importance of using patience is wise, but as we all know, using it ourselves and pointing out to them how much better things go when it is practiced is even wiser.
Experience will always be the best teacher! SO...please consider for 2010 using patience more in your daily routines, teach it to your children by example, use it with others even when it is very hard. Consider going one step further by stepping outside your comfort zone to lend a helping hand. I'm not sure how it will change the other person's life, but I do know it will change yours.
Author, Sheila Kilpatrick wrote the Anastasia Pickering series for everyone who has faced a rainy day. She believes perplexing or difficult situations can present us with colorful answers if we listen to our inner (fairy) voices. Sheila, a breast cancer survivor has faced her own rain with the help of loyal friends and family. Her niece and nephew's magical points of view helped her see reflective healing colors in the quiet of the rain. She hopes Anastasia's rain will open young minds to a different perspective as they face the showers and downpours of their own lives. Please visit: anastasiapickering.com for more information or email Sheila at: firstname.lastname@example.com


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(800) 259-9010
Puerto Rico's General Obligation Rating is Downgraded to CCC+
Standard & Poor's ("S&P") has just downgraded the general obligation rating of Puerto Rico from a rating of B to a rating of CCC +. The ratings agency said the downgrade was because the market access prospects for the U.S. territory have weakened even further and Puerto Rico's ability to fulfill its financial commitments is becoming more and more linked to the economic and business conditions in the Commonwealth, which are not strong.
The credit rater is also putting the general obligation rating on CreditWatch negative, which means the rating could go even lower into junk bond status and closer to a default. S&P lowered its ratings on the first-lien and second-lien sales tax bonds of the Puerto Rico Sales Tax Financing Corp. from B to CCC + as well. The bonds of the Puerto Rico Employees Retirement System and the Puerto Rico Municipal Finance Agency also received downgrades with a negative outlook.
S&P says that unless the conditions in Puerto Rico get better, the territory won't be able to sustain its financial commitments. The ratings agency said there was not currently a consensus on key aspects of the 2016 budget and that this could make fiscal pressure and liquidity worse. In a letter from Puerto Rico's Government Development Bank to its governor, there were concerns about liquidity problems unless the government starts tax reform and enacts a budget. S&P stated that if the budget is delayed or flawed there might be an even further ratings downgrades.
Governor Alejandro Garcia Padilla had proposed a VAT initiative that would supposedly reduce tax rates for 800,000 small businesses and persons. The tax would be determined by consumption of certain necessities. Garcia had hoped to increase revenue and deal with Puerto Rico's public debt with a 16% VAT that would compel manufactures to pay taxes on raw materials, which would be included in the price of a product when sold to retailers. Now, the governor is willing to consider a lower 14% rate that is currently up for debate at Puerto Rico's House of Representatives.
If approved, this could lead to a rise in the sales tax from 7% to 10% . There would then be a 14% goods-and-services tax next year. Tax breaks would also be provided for lower income persons as early as July of net year. Such changes could generate $900 million in new revenue starting July. More importantly, these changes could allow for a $2.9 billion bond sale to help alleviate the territory's debt.
Until the issue is resolved, Puerto Rico remains burdened with $73 billion of debt. Investors who sustained major losses from municipal bond funds linked to the island are still trying to recoup their losses. Many of these investors were persuaded by financial firms such as UBS (UBS), Banco Popular, and Banco Santander (SAN) to invest in Puerto Rico municipal bonds, even though they were high risk. When the bonds dropped significantly in value beginning in the Fall of 2013, investors suffered.
The U.S. treasury department has started to increase its involvement in Puerto Rico. High ranking officials have been traveling between the island and Washington DC to offer advice to Commonwealth officials to try assisting with bringing stability to the territory's financial situation.
In the US and in Puerto Rico, contact our Puerto Rico bond fraud law firm to request your free case consultation.
Treasury Officials Increase Efforts With Finances of Puerto Rico, New York Times, April 13, 2015
Puerto Rico downgraded to CCC+ from B, with negative outlook, by S&P, CNBC, April 27, 2015
Puerto Rico proposes plan to go after commercial tax evaders, spiraling debt, Fox News, March 8, 2015
More Blog Posts:
Former UBS Puerto Rico Executives File a $10M FINRA Arbitration Claim Against the Firm, Stockbroker Fraud Blog, April 15, 2015
Killeen Man Accused of Texas Securities Fraud Targeting Military, Stockbroker Fraud Blog, April 23, 2015
BlackRock Advisors Settles SEC Charges Over Conflict of Interest Disclosures for $12M, Institutional Investor Securities Blog, April 25, 2015


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Hafjell[8] is a ski resort in Gudbrandsdalen, 15 km (9 mi) north of Lillehammer.
Get in[edit]
Norwegian State railways has frequent train arrivals to Lillehammer from Oslo. In addition, the train to Trondheim stop at Hunderfossen station located 3 km from Hafjell. There are buses from Oslo via Oslo Airport Gardermoen to Hafjell Ski Resort.
Get around[edit]
The ski bus runs between the hotels in Hafjell and Hunderfossen Winter Park, Hafjell Alpine Centre and Gaiastova. There are several departures on Saturdays and at Christmas, New Year, winter break and Easter. The ski bus in Hafjell is a free service funded by the tourism industry. Hafjell ski bus connects with several of the Winter bus service to and from Lillehammer. You will also find a free ski bus connecting the ski resorts Hafjell and Kvitfjell
See[edit][add listing]
Do[edit][add listing]
Buy[edit][add listing]
Eat[edit][add listing]
Drink[edit][add listing]
Sleep[edit][add listing]
Get out[edit]


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Finding the right partner and building an effective relationship can take years, and the process may involve frustration, heartbreak and despair. With enough bad experiences some women may start to believe that there are no good men out there. But there are plenty of good ones, and if you're in a relationship with a man, there are signs you can observe to determine if he's a good catch.
Step 1
Observe to see how he listens to you. When you recount your day and you're talking about something that's bothering you, take note of how he reacts. He should be attentive, wait for you to finish and ask questions, which means he's genuinely interested in what you're saying and in your well-being. When you disagree or argue, a good man will not talk over you or try to shut you down. He will listen and tell you he disagrees, but will also make the effort to see your viewpoint.
Step 2
Take note of how he treats others. When you're at a restaurant, watch how he interacts with waiters and busboys. He should be polite when he asks for another drink, and if he gets the wrong dish or his food is undercooked, he shouldn't be condescending or demeaning, but react in a calm way. Observe how he acts when he meets your friends or your family members. He should make the effort to mingle and interact and listen to what everyone has to say, rather than being aloof or disinterested. And most importantly, observe how he treats women, whether it's your mother, your sister or your female friends. A good man is respectful and considerate to all women.
Step 3
Observe his attitude towards life. Is he a negative person or does he express hope even when things are difficult and challenging? Is he pessimistic and always looking at the worst case scenario? A good man should look for the positive aspects of every situation and try to find solutions, rather than simply whine about the unfairness of life.
Step 4
Watch how he treats you when he's with out with his friends, especially his male friends. If he leaves you alone for a long time, ignores you for most of the outing or disrespects you in front of them, these could be troubling signs. But if he treats you with the same amount of affection and respect as he does when you're alone, and makes you feel like the most important person in the group, that's a positive sign.
Step 5
Identify how often he makes himself available to you, both physically and emotionally. A good man wants to spend time with you even if you're doing nothing except sitting on a couch reading together. A good man calls you frequently just to see how you're doing, and he's willing to share what's going in his head. He makes the effort to communicate and give you insight into what he's thinking and how he feels about everything, not just your relationship.
More Articles
- Every man is different, so be patient if several of his traits are more advanced than others. With your support, he can make progress in areas that need improvement.


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We have provided these resources to give you valuable information and to make your visit with us as comfortable and easy as possible. Click on the menu items to the left for information about our patient services.
Visiting hours are 9 a.m. to 9 p.m., with some exceptions
Charleston Area Medical Center (CAMC) is committed to rendering care to patients regardless of their ability to pay for part or all of essential medical care. Click here for a copy of a Patient Financial Statement application. Financial Assistance and Emergency Medical Care Policy
DAISY Award for Extraordinary Nurses
Nominate a deserving nurse for this distinguished award.
"Heart & Soul" is a recognition program designed to identify and recognize employees who contribute to a culture of excellence at CAMC.
If you have experienced exceptional service or had an outstanding experience from an employee or physician, we encourage you to complete a nomination form. All employees who are nominated are recognized.
Having symptoms, or just need general health information? Visit our Health Information Center.
Let's connect! Keep up with what's going on at CAMC on our social media sites .


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It's not an overstatement to say that Halo has changed the face of modern gaming. The series wasn't singlehandedly responsible for any particular major development, but what it did do was grab several different gaming elements by the scruff of the neck and drag them kicking and screaming into the new millennium. Bungie's community-based approach to multiplayer helped develop one of the most complete online packages available on any medium and provided other developers with a template to use when putting together their own multiplayer content.
It wasn't just the online death-fest that catapulted the Halo series from relative obscurity to the top the gaming food chain; the narrative and the characters had just us much to do with it. The story that pins it all together is a compelling tale of humanity's struggle against the odds, and let's face it, we all love an underdog. The story of Master Chief, Cortana and Captain Keyes struck a chord with gamers ten years ago and started a gaming dynasty that shows no sign of dissipating.
For the uninitiated amongst you, here's the crux of the story: An Alien alliance of religious zealots known as The Covenant have declared war on Humanity and are, quite frankly, kicking the shit out of us.
The Covenant worship the ancient technology of a long-dead species called the Forerunners, but the artifacts they venerate are, in fact, a series of weapons designed to wipe out life in the universe should a race of intergalactic 'zombies' called The Flood ever return. Obviously if the Covenant were to activate the weapon then, instead of ascending to God-like omniscience as they expect, they will inadvertently end all life as we know it (Jim). It's down to you, the last Spartan (a genetically modified super-human called John 117, or simply the Master Chief), to stop them.
I could, if I wanted to, spend the rest of the article just detailing the plot of the game; it's incredibly complex. However, all you really need to know is that at the end Halo 3, Master Chief and Cortana are left stranded out on the edge of the galaxy at a facility called the Ark. John 117 ends the game telling Cortana to "Wake me, when you need me". Halo 4 picks up the story from here.
The newest installment to the series is going to be the first part of what is being called the Reclaimer Trilogy (humans are 'reclaimers' - the species meant to inherit the technology left behind by the Forerunners). However the content or narrative isn't likely to present a major departure from what we've already seen. Perhaps the most significant difference between the first trilogy and the second is going to be the behind the scenes.
As you all know Bungie made the original trilogy, with the first installment coming out 10 years ago (check out our review of the remake Halo: Anniversary). Recently though, the studio has stepped out from under Microsoft's shadow and has struck out on their own once again, leaving Halo under the watchful eye of their old paymasters. The studio now responsible for the franchise is 343 Industries.
343 has assembled a team from across the industry and has had hundreds of people working on the game since the release of Halo 3: ODST two years ago. They seem incredibly confident and until given a reason not to believe in them, we're prepared to give them the benefit of the doubt. At this early stage one thing is clear; they know Halo.
Details on both the campaign and multiplayer are very sketchy. We know that the game will retain the 'Halo' factor that made the series so successful. We know that the main protagonists will be Master Chief and Cortana. We know that they're stranded on half a spaceship that is floating in space. We know that we're going to see much more of the Forerunners. Lastly, we know that we can't rely on the fragments of knowledge we've garnered from the teaser trailer (as 343 has admitted that the details featured - like, for example, the Chief's armour - are likely to change considerably by next year).
Everything and anything else is pure speculation. There has been a lot of talk about the relationship between Master Chief and Cortana, so expect that to feature heavily. Also, it's worth noting that in the Halo Universe, AI's like Cortana can be prone to behavioral problems, so something along those lines is also a very distinct possibility. We fully expect to see much, much more of the Forerunners, though we have nothing to back that assumption up with. With a franchise like this it is important to keep things moving; stand still for too long and people start getting bored. With this in mind we expect to see some new weapons and vehicles, possibly of Forerunner origin.
Details aside, when it comes to the core gameplay experience, it's very difficult to say exactly what we're going to get next year when Halo 4 arrives. There is a lot of apprehension amongst fans now that 343 have taken over the reigns from Bungie; will they be able to deliver a game worthy of those that have come before it? Ultimately that is the million dollar question.
On the other hand, there is plenty of room for optimism. 343 is made up of established industry professionals and ex-Bungie employees, so they have the experience needed to succeed. They're also completely dedicated to working on the Halo franchise, so won't be distracted by other titles. The foundations that Halo 4 are being built on a incredibly solid and the universe surrounding the game is rich and detailed. Whilst the series may have already peaked with the release of (insert your favourite Halo game here), the chances are that 343 is going to serve us up an entertaining game. Just how good it will be remains to be seen.
Keeping the established Halo community intact and happy is surely the key to the franchise's continued presence at the top table of gaming. Making games that satisfied both hardcore and casual gamer alike was the key the Bungie's success. Can that formula be replicated by 343? The answer is an enigma. And exactly why the game is so hotly anticipated.
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This volume. The first volume, Köstenberger on John, was a real masterpiece, done by the evangelical world's best expert on John. Similarly, this volume on Luke-Acts is being done by the evangelical world's foremost expert on the Lucan material. The only thing that gives me concern is the length. Less than 500 pages to deal with the theology of Luke AND Acts? We shall see.
Looking Forward To
March 23, 2012 at 1:33 pm (Books (reviews and recommendations))
3 Comments
March 23, 2012 at 7:16 pm
I look forward to this volume too. Though some Reformed folk may write him off because of his progressive dispensationalist stance I think Bock is one of the best evangelical biblical scholars in recent years when it comes to the Lucan material.


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"There is no difference between countries," is 'Abdu'l-Bahá's testimony in one of those Tablets. "The future of the Dominion of Canada, however, is very great, and the events connected with it infinitely glorious. It shall become the object of the glance of Providence, and shall show forth the bounties of the All-Glorious." "Again I repeat," He, in that same Tablet affirms, "that the future of Canada is very great, whether from a material or a spiritual standpoint…. The clouds of the Kingdom will water the seeds of guidance which have been sown there."
The Beloved Guardian of the Cause
Shoghi Effendi
quoting Abdu'l-Bahá
Citidel of Faith, p. 13
The angels and the spirits, arrayed rank upon rank, descend, by the leave of God, upon this Gate 1 and circle round this Focal Point in a far-stretching line. Greet them with salutations, O Qurratu'l-'Ayn, for the dawn hath indeed broken; then proclaim unto the concourse of the faithful: 'Is not the rising of the Morn, foreshadowed in the Mother Book, to be near at hand? 2 …'
O Qurratu'l-'Ayn! Turn Thou eagerly unto God in Thy Cause, for the peoples of the world have risen in iniquity, and but for the outpouring of the grace of God and Thy mercy unto them, no one could purge even a single soul for evermore. 3 O Qurratu'l-'Ayn! The life to come is indeed far more advantageous unto Thee and unto such as follow Thy Cause than this earthly life and its pleasures. This is what hath been foreordained according to the dispensations of Providence…
O Qurratu'l-'Ayn! Say: Verily I am the 'Gate of God' and I give you to drink, by the leave of God, the sovereign Truth, of the crystal-pure waters of His Revelation which are gushing out from the incorruptible Fountain situate upon the Holy Mount. And those who earnestly strive after the One True God, let them then strive to attain this Gate. 4 Verily God is potent over all things…
O peoples of the earth! Give ear unto God's holy Voice proclaimed by this Arabian Youth Whom the Almighty hath graciously chosen for His Own Self. He is indeed none other than the True One, Whom God hath entrusted with this Mission from the midst of the Burning Bush. O Qurratu'l-'Ayn! Unravel what Thou pleasest from the secrets of the All-Glorious, for the ocean is surging high 5 at the behest of the incomparable Lord.
cf. Qur'án 78:38
cf. Qur'án 11:83
cf. Qur'án 24:21
cf. Qur'án 83:25–26
Qur'án 52:6
His Holiness The Báb
Qayyúmu'l-Asmá, Chapter XXIV
Selections From the Writings of the Báb, Bahá'í World Centre, 1982 lightweight edition, pp: 50-51
O QURRATU'L-'AYN! Stretch not Thy hands wide open in the Cause, inasmuch as the people would find themselves in a state of stupor by reason of the Mystery, and I swear by the true, Almighty God that there is yet for Thee another turn after this Dispensation.
And when the appointed hour hath struck, do Thou, by the leave of God, the All-Wise, reveal from the heights of the Most Lofty and Mystic Mount a faint, an infinitesimal glimmer of Thy impenetrable Mystery, that they who have recognized the radiance of the Sinaic Splendour may faint away and die as they catch a lightning glimpse of the fierce and crimson Light that envelops Thy Revelation. And God is, in very truth, Thine unfailing Protector.
His Holiness The Báb
Qayyúmu'l-Asmá, Chapter XXVIII
Selections From the Writings of the Báb, Bahá'í World Centre, 1982 lightweight edition, pp: 50-51
It is known and clear that today the unseen divine assistance encompasseth those who deliver the Message. And if the work of delivering the Message be neglected, the assistance shall be entirely cut off, for it is impossible that the friends of God could receive assistance unless they be engaged in delivering the Message. Under all conditions the Message must be delivered, but with wisdom. If it be not possible openly, it must be done quietly. The friends should be engaged in educating the souls and should become instruments in aiding the world of humanity to acquire spiritual joy and fragrance. For example: If every one of the friends were to establish relations of friendship and right dealings with one of the negligent souls, associate and live with him with perfect kindliness, and meanwhile through good conduct and moral behavior lead him to divine instruction, to heavenly advice and teachings, surely he would gradually arouse that negligent person and would change his ignorance into knowledge.
Souls are liable to estrangement. Such methods should be adopted that the estrangement should be first removed, then the Word will have effect.
If one of the believers be kind to one of the negligent ones and with perfect love should gradually make him understand the reality of the Cause of God in such a way that the latter should know in what manner the Religion of God hath been founded and what its object is, doubtless he will become changed; excepting abnormal souls who are reduced to the state of ashes and whose hearts are like stones, yea, even harder.
If by this method every one of the friends of God were to try to lead one soul to the right path, the number of the believers would be doubled every year. But this should be carried out with perfect wisdom and in such a manner that no harm would ever result therefrom.
Bahá'í World Faith, pp: 385-386


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|19 Dec 2009
WMP12 cant open, uninstall, install please help!
i had just installed wmp12 from windows feature panel as i had previously uninstalled it, but after that before i restart the pc the battery life ended and the pc power off without shutting down correctly. when i restart the pc wmp didnt anymore open
ive tried this
sfc /scannow = no file corrupted
remove the wmp from windows feature = give error cant be removed
restore point = nothing changed
wmpsetup file in wmp folder under program files = start and after seconds close, nothing happens
download win7 n package = dont work version error
wont do windows repair install need to fix in other way
someone can please help me? i need to fix the wmp in any way, restore it, repair it, reinstall it. now it just dont open, dont start in any way
|My System Specs
|19 Dec 2009
Try downloading Revo Uninstaller
to get rid of it
You might have to reinstall so it shows up in Programs and Features.
|My System Specs
|20 Dec 2009
just tried thanks. not working at all. other suggestions?
|My System Specs
|20 Dec 2009
Windows 7 Home Premium x64
Whoa, this sounds like a very bad bug. If the battery ended and the PC turned off before the setup was finished, and now you can't do anything with it, then try booting into Safe Mode and use the "Turn Windows features on or off" again, it might work. But I'm not sure, though. If the setup itself is corrupted because the PC shut down in the middle of the operation some files might be lost and/or corrupted as well. But just in case, try the setup in Safe Mode.
|My System Specs
|21 Dec 2009
64-bit Windows 8.1 Pro
have you thought about reinstalling your OS?
|My System Specs
|21 Dec 2009
its just media player installation corrupted, of course i dont want to reinstall the os for that, just trying to find a way to fix it
|My System Specs
|21 Dec 2009
It seems as going through all tie posts, it in unfix able.
A 'clean' ind tall would solc=ve those errors.
BTW, get yoursef and diffferent player such as VLC or Kmplayer.
IMHO, WMP suc*s
|My System Specs
|21 Dec 2009
Windows 7 Ultimate - 64-bit | Windows 8 Pro - 64-bit
Hi Raniero,
Do you get any error message when you try to open the WMP ??
|My System Specs
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Can't open programs, uninstall or install
Hi, Last week my husband installed Azureus aka Vuze onto our Sony VIAO laptop. He said several hours later, while he was watching a video, the computer suddenly shut down. Since then, we have found that we can't open any non-Windows inherit programs. Windows did an update, but it didn't help. ...
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Google Search is a Web search engine that offers standard Internet word search functionality. It has Google Searchbox used to type your search right from the app home screen, so you can find the answers you need more quickly, Voice Search used to use your microphone to ask Google anything and see the answer instantly and Image Search used to watch images load into a beautiful full-screen grid. Select images you like or swipe through to see more results. We can use Search Charm for by installing the Google Search app, you can easily access Google from the Search Charm. Instant Previews mode to Browse search results without having to visit each page.
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Rhyme and Meter in PoetryInstructor: Brooke Baldwin (adewpearl)
Includes a free two month upgraded membership! DetailsPlease Sign In or Create A Free Account first.
Start Date: Tuesday, January 6th, 2015
Duration: Four Weeks
Class Size: 7 Students
Seats Left: 7
The class will run for four weeks and will include seven one hour chats and seven activities, though not every activity will be a written assignment.
In the first week you will read a few famous poems in order to learn about the most-used meters, and we will use those examples as models while learning about terms like anapestic and iambic feet. Your first written assignment will be to write simple one verse poems using the most frequently used meters.
In the second week, after you have had instructor feedback on your work, we will discuss problems students encountered while writing and review the concepts of meter now that you have hands on experience. We will then read some well-known poems for rhyme and discuss rhyme schemes.
After advice on how to make your rhymes sound natural, you will compose simple one verse poems using a couple different rhyme schemes.
In the third week, after you have had individual feedback on your rhyming verses, we will discuss any problems you encountered and the instructor will share tips on tools you can use to avoid those problems. You will then write slightly longer verses that combine meter and rhyme with an emphasis on making your work sound natural, unforced and original.
In the final week we will introduce some basic poetic devices into your writing. Again, using examples from familiar poems, we will learn about alliteration, personification, similes and metaphors and as a final assignment you will write a short poem that uses meter, rhyme and at least one poetic device. As always, you will receive individual feedback and help improving your verses.
Instructor: Brooke Baldwin
About The Instructor: Brooke Baldwin received her education from Smith and her M.A. from Yale, she focused on essay writing. Her master's degree is in American Studies, which includes American literature. While a graduate student, she served as a teaching assistant in several writing-intensive sections of American Studies classes. For over twenty years she taught writing at the middle and high school level.
As a grad student, she had several articles published in academic journals. She has published articles and pamphlets about the anti-apartheid movement. She joined Fan Story as adewpearl in August, 2008 and became the site's second ranked poet that year. In 2009 she became poet of the year.


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Last updated on December 5th, 2018
Lisbon Walking Tour 2: Alfama West (3 km)
1. Castelo de São Jorge
Over the ages, many people have trudged up the hill to the Castle of Saint George. We suggest you take electrico 28 (the little tourist tram) from Chiado up, and then amble down Alfama, rather then tire yourself performing the reverse commotion. The oldest signs of settlements are from around the 7th century BC, the glorious iron age. The Greeks, the Phoenicians, the Carthaginians were here. The first fortifications of Lisbon's highest hill date back to the 2nd century BC and were built by the Romans who named the city "Olisipo", as legend has it Ulysses came sightseeing here. The city thrived under the Moors until the Visigoth took over in the 8th century AD (some say they are still in charge thanks to the austerity plans they have graciously granted us…). The crusaders took over in 1147. The castle was named after Saint George of Cappodocia, a Roman martyr. The castle served as a royal palace until the 15th century. Sunset or late afternoon is the best time to go, as you can combine the pleasant panoramic views and the tranquil gardens with a romantic walk, a drink or a meal in Alfama.
2. Largo das Portas do Sol
The Gate of the Sun was one of the seven gates into Moorish Lisbon. It is a classic view point for many of the panoramic postcards of Alfama that abound in the souvenir shops: roofs covered with red tiles, the imposing Monastery of Sao Vicente de Fora, and in the distance the tranquil flowing Tagus.
3. Palácio Azurara
In times gone by, Alfama was the home of nobility. The Museum of Decorative Arts has an excellent collection of the trinkets cherished by the rich Portuguese of the 17th to 19th centuries: azulejos (tiles), porcelain, tapestries and furniture. If you like old buildings and architecture, the palace itself is a great visit. There are also some workshops where artisans practise traditional wood carving while you sip tea or a beer.
4. Miradouro de Santa Luzia
This is a tram stop and another great panoramic view of Alfama. Check out the old folks drinking coffee and playing chess, they're a rare breed and fast disappearing. The small and simple Igreja de Santa Luzia was built by the famed Knights Hospitaller of Malta. The original church did not survive the earthquake and was rebuilt in the 18th century.
5. Igreja de Santo António
After the Great Earthquake, the church was built in 1812, literally on the birthplace of Saint Anthony of Padua. Admire the Ionic columns and the neo baroque facade. There is a big saintly procession in June throughout Alfama.
6. Sé de Lisboa
Shortly after the defeat of the Moors, Portugal's oldest cathedral was commemorated in 1150 by its first king, Dom Afonso Enriques. Where once Lisbon's Mosque stood, the crusaders decided to build Sé. How's that for promoting world peace? Nevertheless, the architects did a great job with the cloister and the sacristy. On a related subject, and as you will undoubtedly notice, we Portuguese, tend to be dark haired with a sun tanned skin. Some tourists even mistook Pedrito's dad for Omar Sharif. Where did all that Moorish ancestry come from? World love, undoubtedly…
7. Casa dos Bicos
The House of Spikes was built in the early 16th century and partially survived the Great Earthquake. The building mixes Italian Renaissance and Manueline architectures and was the abode of the Vice Roy of Portuguese India.
8. Igreja de Nossa Senhora da Conceição Velha
The facade of the church is a superb example of Manueline architecture that uses Gothic and Renaissance decoration. While the old building did not survive the Earthquake, bits and pieces were rescued from the original to build the present facade.
9. Igreja de Madalena
The original church was built in the 12th century and has been rebuilt three times since then because of fire, cyclone and earthquake. The fine Manueline portico dates from 1783. Nearby there are some Roman gravestones and the remains of an altar dedicated to the goddess Cybele, the Mother of Gods.
If you find our blog useful, please consider making a hotel or flight booking with our affiliate links. Happy travels!


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- This event has passed.
The 1960s: A Survey of the Decade
July 14, 2018 @ 10:00 am - February 17, 2019 @ 5:00 pm
An event every week that begins at 10:00 am on Monday, Tuesday, Wednesday, Thursday and Friday, repeating until February 17, 2019
An event every week that begins at 1:00 pm on Sunday and Saturday, repeating until February 17, 2019
Drawn from the Weatherspoon Art Museum's collection, this exhibition highlights various art styles and social issues that emerged in America during the turbulent decade of the 1960s. Paintings by figurative artists such as Philip Pearlstein and Alex Katz will hang alongside abstract compositions by Raymond Parker, Larry Rivers, and Al Held. Conceptualist works by Shusaku Arakawa and Lee Lozano will serve as counterpoints to Robert Rauschenberg's socio-political painting, Straw-Boss. The museum will also display works on paper and sculpture by many of the leading artists of that time. Boisterous prints by Robert Stanley, printed in bright colors on Day-Glo paper, glorify some of the important musical icons of the decade: the Beatles, James Brown, Dionne Warwick, the Rolling Stones, the Beach Boys, and the Shirelles. Other works on paper include photographs of New York's countercultural denizens by Diane Arbus and Larry Clark, Pop prints by Andy Warhol and Roy Lichtenstein, and anti-war sentiments by James Rosenquist and Nancy Spero. Several sculptures created during this volatile and evolving era will demonstrate the focus on new media, such as the adoption of neon as an art material.
Weatherspoon Art Museum hours: Tuesday, Wednesday, Friday 10 AM-5 PM; Thursday 10 AM- 9PM; Saturday and Sunday 1 PM- 5 PM. Closed Monday


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4 Sales Methodology Mistakes that Drag Adoption Down
There is an impressive assortment of sales methodologies available. In fact, I highlighted ten in this previous blog post.
Everyone has their own personal favourite sales methodology and I'm no different. I happen to particularly like MEDDIC for its combination of simplicity and strategic thinking.
by Tim Knight, CMO, CloudApps
M – METRICS – The metric driven, quantifiable economic impact of the solution.
E – ECONOMIC BUYER – The person who has the power to spend.
D – DECISION CRITERIA – The formal criteria used to make the purchasing decision.
D – DECISION PROCESS – The process used to purchase a vendor's offering
I – IDENTIFY PAIN – The pain (or business need) driving the desire to purchase
C – CHAMPION – The key player who has the power and influence to drive the opportunity for you
Sales methodologies, such as this one, have been around for many years and have been implemented by thousands of companies.
Why Bother with a Sales Methodology?
As organisations begin to grow, they quickly realise the need to implement a sales model that is both scalable and common across the company. This is often also driven by a desire to develop a common language that can be used when reviewing and executing on deals.
One additional benefit to be gained from implementing a sales methodology is the team mentality they tend to foster. It forces the organisation to develop a 'sales team' versus 'individual sales rep' mentality. We win or lose together as a team!
The greater level of structure and rigour that these sales methodologies bring also helps drive confidence in deal health. This, in turn, means that precious supporting resources, such as pre-sales engineers, can be deployed to the strongest deals thus avoiding wasted cycles.
What are the Common Pitfalls when Using these Sales Methodologies?
In many cases, companies spend a great deal of money training the sales organisation.
The lost opportunity cost of taking the entire sales and sales management functions out of action for the duration of the training should also not be overlooked.
Imagine the frustration when these companies later discover that the methodology has not been adopted as widely as intended.
There are several reasons why this happens. Let's take a look at the 4 most common.
1. It's just too complicated:
Many of these sales methodologies require the sales rep to fill out overly complex deal sheets, adding to their daily 'admin' grind. As we all know, most successful sales folks do not like to spend time on 'admin' tasks. Getting them to fill out the CRM system with just the most basic of information is a challenge. So, attempting to extend the complexity further usually only leads to an even bigger dip in adoption. Methodologies that are simpler for the rep to use are the ones that retain wider adoption. This represents one of the biggest reasons I am a fan of MEDDIC.
2. Adoption is not being driven from the top down:
Sales management needs to be diligent in integrating the methodologies into their daily or weekly cadence with the sales team. Much like the adoption of a CRM system (or the adherence to a sales process) the use of sales methodologies has to be driven top-down. Only when it becomes part of the everyday sales culture will the sales function naturally embrace it. Sales management should run every deal review against their methodology. They should also insist that the data captured is complete and up-to-date for each deal. The mentality should be; 'if it's not in the system, it doesn't exist'. And if it doesn't exist, you can't be paid commission on it.
3. It's not supported by the technology:
Make sure that your chosen sales methodology has very strong integration with your chosen CRM system. If you do not, the sales team will, over time, simply stop using it. The methodologies that do have good integration where the data can easily be captured tend to have a much higher long-term adoption. If you are using Salesforce.com CRM for example, make sure the app is native and the data is stored with the CRM system.
4. There's no emphasis on engagement:
Tools like SuMo have helped a number of our customers to reinforce the implementation of their chosen sales methodology over an extended period of time. The real-time coaching nudges delivered by SuMo bring the relevant part of the methodology to life at the appropriate point in the sales lifecycle. This serves to truly increase the adoption of the methodology. Tapping into the competitive spirit of the sales team through carefully targeted competitions serves to drive ongoing engagement with the methodology. This approach keeps the whole team focused on navigating the sales process and deploying the right elements of the sales methodology at the right time. The result is a cleaner, healthier pipeline of deals.
When deployed carefully, sales methodologies are a great asset to an organisation that delivers significant benefit. When the implementation is ill-thought-out, the result is usually a hefty training bill with little or no lasting benefit insight.
Dive a little deeper…
Try our ultimate guide to the 70 'leading sales KPIs' that you should be tracking.


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Odd, yet sadly predictable in many scenarios...
The Question Is:
Why do so many organizations, be they churches, non-profits, or corporations, claim to really engage their people; while people at these same organizations would have a hard time agreeing that that's the case?
Odd, yet sadly predictable in many scenarios...
My thoughts: I think many organizations know that their folks are disengaged, or not as engaged as they want. Part of the deception is that "if I tell folks that we're engaging, maybe they'll believe it and get involved."
1/27/2012 12:53:18 am
Fine post dude
Leave a Reply.


text: Free version also available at: https://play.google.com/store/apps/details?id=free.reddit.newsRelay for reddit is a fun new way to browse the news and entertainment website Reddit. Whether you're a casual 'lurker', power user, or even a moderator, Relay makes using reddit a pleasure.Highlights:• Beautiful and intuitive interface, inspired by Material Design.• Delightful animations throughout enhance the experience.• Links and comments load at the same time. A simple swipe switches between them.• Inline previewing of pictures, YouTube, gifs and html 5 videos. • Advanced comment navigation - next/previous thread, find words, IAMA and more!• Comprehensive Moderator features (distinguish, sticky posts, ban users etc)• A selection of themes as well as a relaxing night mode.• Multiple accounts• Reply straight from your Inbox.• Notifications for mail, mod messages and your modqueue.• Filter out subreddits you dislike• Spoiler support• Extensive customisation options including font style and size, left-handed viewing.• Hi-resolution thumbnails.• Full friends & search funtionality.• Rageface and MLP emoticons (via PonyMotes)Head over to the https://www.reddit.com/r/RelayForReddit to ask questions or give feedback directly to the developer - me... https://www.reddit.com/u/dbradyRelay for reddit is an unofficial app. Reddit and the Reddit alien logo, trademark and trade dress are registered trademarks owned by Reddit Inc.


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Intensive Family Intervention Service (IFIS)
Wiltshire's Intensive Family Intervention Service (IFIS) is a team of 30 specialist intervention workers, with a variety of expertise and backgrounds. They are supported and managed by two intervention team leaders, assistant team manager and team manager. IFIS sits within Wilthsire Council's Early Help service, as part of Occupational Children's Services.Close
IFIS supports children, young people and families by offering an intensive visiting package with the goal of improving outcomes and opportunities for children and young people in Wiltshire.
They do this by working with the whole family to improve parenting, as well as support with managing challenging behaviours, routines, boundaries and home conditions, plus other areas that the family may require support with.
They work intensively with families where neglect is a presenting issue, with the overriding goal of keeping families together and preventing children from entering the care system. They also work closely with schools, social workers, health workers and other professionals to ensure families are getting the right level of support at the right time.Close
IFIS works with children, young people and their families who have been identified as needing additional support, other than that which universal services (the services everyone can access, such as GPs, children's centres and schools) can offer.
The children and young people either need to have a Common Assessment Framework (CAF), My Support Plan (MSP), ASSETT Plus (Youth Offending Assessment) or be open to children's social care under child in need or child protection. The IFIS forms part of the existing team of professionals identified to support the family and do not replace lead professionals or social workers.
The team works with all family members, including any important people in the children's lives.Close
When the work first begins, IFIS will have been given a request of what the referring agent feels needs to change. This will be explored with the family at the initial visit and they will use the Graded Care Profile (Bruce Thornton) to assess what the family's needs are.
This is a user-friendly assessment and includes the family so that they can feel supported and not judged. Working in a solution focused method, the allocated specialist intervention worker will work alongside the family to encourage and empower change.
The needs of the children and young people are always in the forefront of the intervention and at times they may have to raise safeguarding concerns; however, this is always shared with the family in order for them to continue to provide support throughout any periods of escalation. Similarly, IFIS support with 'step down', for families who have been open to social care and are returning to CAF/universal services or from child protection to child in need.
IFIS uses a range of tools throughout intervention and it will always been individual to the needs of the family. Your specialist intervention worker will review their work every 6-8 weeks and will always complete a staged closure when work comes to an end.Close
Children and young people and their families will have been assessed have complex need which means they require additional support with areas such as:
- ASD/autism
- Parental or young person mental/emotional health
- Anti-social behaviour
- Offending behaviour (child or parent)
- Domestic abuse, both carer to child and child to parent
- Child sexual exploitation (CSE)
- Neglect
- At risk of family breakdown
- Employment/financial difficulties
- School attendance
You can only access IFIS if you have been referred by a professional - either the lead professional (at CAF, MSP, ASSETT+) or by the allocated social worker.
The referral form is completed and sent to the multi-agency Gateway Panel at County Hall, with a copy of the assessment (either CAF, MSP, ASSETT+ or Single Assessment). All referrals are discussed at the Gateway Panel. The referring agent will be informed of the outcome.Close
Crisis intervention by IFIS
IFIS also works on a rota to provide support to children, young people and their families, who are in crisis and at risk of immediate breakdown. This service is available 365 days a year, from 9am-10pm.
It is also available to reduce any immediate risks to children and young people, especially newborns and vulnerable children, by visiting daily if required.Close
Children, young people and families can access this support by contacting their allocated social worker if you have one. If you don't have an allocated social worker, contact the Multi-Agency Safeguarding Hub (MASH).
Professionals can access the support by contacting either the IFIS assistant team manager or team manager and discussing the nature of the issue.Close
Crisis intervention is designed to address an immediate, presenting issue. If a family is unable to continue to care for a child, or a child has extremely challenging behaviour, IFIS crisis intervention can support either by visiting or offering telephone support. The kind of support that will be offered will include:
- De-escalation skills and techniques - this can help you calm a situation down
- Mediation
- Negotiation
- Supporting with boundaries and consequences
- Re-opening communication lines that may have broken down between family members
- Offer a hour or so of respite, to alleviate the issue
Crisis intervention has its limitations and can only be used for a limited amount of time before a more structured plan is required. The team is unable to:
- Stay overnight
- Babysit
- Accommodate a child
- Offer a taxi service
The Safer Parenting Handbook offers some ideas and information to help you find your way through what can be a maze of issues and advice. It gives contacts and further information you can follow up when you are deciding how to deal with your worries and difficulties. The handbook also lists some of the warning signs of particular difficulties and offers helpful tips.
Every family experiences difficulty from time to time and this can test the best of parents. At these times it may be hard to think about what help or information you might need.
When things go wrong it does not mean that someone has failed in parenting - things go wrong for everyone. It is often the way difficulties are handled that can make a difference to our children, both now and in the future.
There is no such thing as the perfect parent. However, there are some ways we can make it a less stressful and more rewarding experience.Close
The handbook has been produced by Wiltshire Safeguarding Children Board (WSCB). The WSCB is made up of senior representatives from health, education, social work, police, probation and the voluntary sector (including NSPCC), among others.Close


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The Fiduciary Issue and the Election
Everyone from 401k plan sponsors to retail investors may be affected by the coming election in a way they're not even aware of. The politicization of the fiduciary issue began in the summer of 2009 when Dodd-Frank inserted wording asking the SEC to determine the viability of a universal fiduciary standard. With the political deafness of a hunk of seasoned firewood, SEC Chair then first lit the flames of controversy by failing to achieve bi-partisan agreement on the SEC's report. She then fanned those flames in earnest by challenging the new Tea Party Congress in the winter of 2010. The fire quickly spread across the aisle with members of both parties soon questioning Shapiro's tactics.
Meanwhile the DOL moved forward with a mostly quiet, less controversial effort to update ERISA's generations-old Fiduciary Rule to better reflect the realities of today's marketplace. Alas, the word "fiduciary" quickly became an albatross thanks to the SEC misplay, and the DOL fell victim to the same bipartisan pressure to stop their process. You'd think, being one of the few issues today seeing bi-partisan agreement, the fiduciary issue would have been consigned to the dustbin of history.
You'd think wrong. The SEC's final report is still a legally required outcome of Dodd-Frank. In addition, the DOL doesn't report to Congress, but to the President, and there's no indication the current occupant of the White House desires to hold back his DOL appointees.
But the operative word here is "current." The keys to the White House may soon change hands. What kind of impact might that have on the dual fiduciary fronts? FiduciaryNews.com had a chance to catch up with Duane Thompson when he wasn't wearing his hat as fi360's Senior Policy Analyst. Since he's familiar with both of these fiduciary issues and the ways of Washington, we thought he might have some unique personal insights. He shared his thoughts with us, being careful to point out his answers were his alone and not those of fi360.
FN: Where does the fiduciary issue go if Romney is elected?
Thompson: There are two outstanding fiduciary issues: the standard for brokers at the SEC and the ERISA standard for service providers who were not previously covered. A change in Administrations doesn't mean the debate over an SEC fiduciary rule will go away. The securities industry is on record supporting it. So the SEC will move forward, just perhaps at a slower pace, if you can imagine that. However, we could see a whole new ballgame at the DOL, where Phyllis Borzi, Assistant Secretary, just announced plans to re-release a proposed fiduciary definition in 2013. I think that initiative would experience a quick and silent death in a Romney Administration.
FN: Where does the fiduciary issue go if Obama is elected?
Thompson: If it took the SEC two years to get through one-third of the rules required under Dodd-Frank, then four more years should be enough time to complete the other 68 or so rules under its mandate, including the fiduciary standard for brokers. That is not to say there won't be a legal challenge, but I would expect to see something out for comment under a new SEC chairman within a year or so, even if it begins with a concept release. That means, of course, that Schapiro will probably leave before her term is over in 2014. With regard to the DOL fiduciary proposal, the DOL will be re-energized and push hard for adoption of a slightly modified definition, even if there continues to be bipartisan carping in Congress over the change.
FN: Which presidential outcome is better for the fiduciary issue (and why)?
Thompson: It was surprising to me to see the Obama Administration make the fiduciary standard a part of the Dodd-Frank legislation back in 2009, since that issue had nothing to do with the financial crisis. So I would think a new SEC chairman appointed by the Administration would be expected to continue to follow through with the mandates set by Dodd-Frank, including the fiduciary standard. On the other hand, Governor Romney has pledged to repeal Dodd-Frank, which means the fiduciary standard would go away, too. Realistically I don't think Dodd-Frank would be repealed under a Romney Administration, but there would probably be less emphasis on moving forward with a strong fiduciary standard. It really should be a bipartisan issue, though.
FN: Which presidential outcome is better for investors (and why)?
Thompson: Aside from the debate over who would do a better job in jumpstarting the economy, in terms of investor protection I believe that Obama would continue to press for reforms mandated under Dodd-Frank to enhance consumer protection. As you know, his original policy objectives for Wall Street reform included giving the SEC authority to impose a fiduciary standard for stockbrokers. This was ultimately included in Dodd-Frank. Separately, I think we could expect a second Obama Administration to continue support the DOL's efforts to update the ERISA fiduciary standard for other service providers. James Madison once wrote that if men were angels, no government would be necessary. Wall Street is not to be confused with heaven, as has been evident by the rising tide of financial scandals we have seen over the years. A robust fiduciary standard is, unfortunately, a necessity in the real world of human fallibility.
Thompson, though, is not alone in his assessment. Tim Dyer, Vice President at Sage Capital Advisors, LLC in La Jolla, California agrees the SEC will move forward under a second Obama administration. With Romney, he believes the SEC will "table this issue as not to distract from other, shall we say, more important financial issues."
We'll know in a few days which way the voters decide.
Interested in learning more about this and other important topics confronting 401k fiduciaries? Explore Mr. Carosa's new book 401(k) Fiduciary Solutions and discover how to solve those hidden traps that often pop up in 401k plans.


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Precision Color Graphics, Ltd.
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Precision Color Graphics, Ltd. is a pioneer in quality services and products for all of your pre-press, printing and packaging needs.
At Precision Color Graphics it is our mission for you to experience and benefit from the new technologies and services we offer.
We want you to enjoy the unrivaled level of service that we extend to all of our valued customers. We welcome you to explore and discover our vast array of capabilities and look forward to working with you.


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Today, I was running to my Spanish class (love it when the bus is late), and a girl I was walking beside asked me what class I was going to. It turned out we were headed for the same class. She said, "Are you a freshman, too?" It's a comfort to know that, even though I sometimes feel like a senior citizen compared to the college kids I see every day, I still look like an 18-year-old.
|Here I am during my freshman year at ACU (with my sweet roommate, Jeanine).
|And this is me a couple of months ago (with Katy's baby, Ansley, and Darby's thumb)