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Vail, CO Real Estate
The 10th Mountain Whiskey & Spirit Company crafts spirits from locally sourced ingredients in the name of the mountain lifestyle that was influenced by the original 10th Mountain Soldiers.
Root & Flower takes their cocktails and wine seriously. With over 50 wines by the glass available and an ever-changing cocktail list, Root & Flower is one of Vail's most versatile watering holes.
If you're looking to dance to live music, Shakedown Bar will not dissapoint. Open late into the night, this is your go-to for nightlife in Vail Village.
The Red Lion is a popular spot for visitors to enjoy an afternoon beverage while enjoying live music. One of the oldest buidlings in Vail, The Red Lion is an apres must-go spot!
Two Arrows Coffee is located in the same space as Root & Flower, but offers only delicious drinks and snacks to start your morning. They educate their baristas to give you an all-encompassing experience.
Vail Brewing Company has quickly become a favorite spot in both EagleVail and Vail Village (Solaris Plaza). Their award winning beers will impress the craft beer enthusiast!
Join Vail's infamous Phil Long for some live music and cocktails! The Chophouse is conveniently located at the base of the Lionshead gondola.
Yeti's Grind is a husband and wife locally-owned coffee shop serving up craft coffee, teas, breakfast sandwiches and more. Serving amazing craft coffee in the Vail Valley with two locations: Vail Village at Sola...
Bōl offers a unique dining and family entertainment experience. With a full service dining room and sixty-foot bar, they also have an ace up our sleeve with ten lanes of bowling glory.
Enjoy gourmet food in the comfort of oversized leather chairs while enjoying the latest new release! Cinebistro is an upscale movie theater that is anything but your average theater.
Each summer, the Gerald R. Ford Amphitheater plays host to many cultural, community and entertainment offerings. Programs include the Vail Dance Festival, Whistle Pig Vail, free weekly concerts and more.
Enjoy ice skating during the winter months in the picturesque Solaris Plaza. Ice skates are available to rent just next to the rink.
Timberline Tours is the Vail area's largest and most experienced outfitter. They offer guided whitewater rafting adventures and jeep tours.
The Vail Golf & Nordic Clubhouse is a spectacular new community place to gather with old friends and create new ones in Vail, Colorado. The clubhouse is home to world-class recreation - the Vail Golf Club in summ...
Vail's wide variety of terrain, back bowls, and 5,289 skiable acres are one-of-a-kind. Four accessible base areas within the town of Vail include: Golden Peak, Vail Village, Lionshead and Cascade Village.
Learn a new sport, improve your technique, or explore new possibilities. With Vail's Ski & Snowboard School, you don't just experience a mountain like no other, you learn how to truly explore it.
A mix of southwestern and American cuisine, Bully Ranch is great for a casual gathering and has a large pet-friendly patio. Located inside the Sonnenalp Hotel, Bully Ranch does not take reservations.
El Sabor has some of the best Latin-American food in town! Open all day, the friendly staff will greet you with a smile and a spicy marg. Don't miss their happy hour!
Garfinkel's (Garf's) is a local and visitor favorite apres spot after a day on the slopes. With a huge deck, delicious food and fun atmosphere, you can't miss it when you're in Lionshead
Founded by 'Bama boys, Moe's Original BBQ serves up delicious barbeque with a fun and quirky atmosphere. From pulled pork to shrimp po'boys, Moe's is amazing fast casual.
Montauk is in its 30th year in Lionshead and brings fresh, high quality seafood to the mountains. Recently remodeled, Montauk is great for a date night or an apres craft cocktail!
From the creators of iconic Sweet Basil restaurant, Mountain Standard offers a modern yet rustic tavern feel with an open air kitchen and wood burning stove, over which most of their delicious food is prepared.
Serving Pizza to Vail, Avon & Eagle for over 25 years! A must-visit pizza place when in the Valley.
Sweet Basil is a creative, modern American restaurant located in the heart of Vail. The menu features seasonal imaginative cuisine with an innovative array of diverse influences. Serving Lunch and Dinner daily. Voted...
The Remedy Bar at Four Seasons Resort Vail offers playful twists on classic cocktails, inventive elixirs, snacks and more in a cozy, mountain casual space.
A fun, casual restaurant located in the heart of Bridge Street with delicious pizza and other Italian staples. This is a great spot for the family to meet up or to grab a cold draft beer during apres!
A Brasserie-style restaurant known for its incredible and energetic brunch scene. In the evenings you can also enjoy a French-inspired dinner paired with delicious cocktails.
Chic Japanese restaurant with a sushi focused menu serving up traditional and signature rolls. A modern ambiance with a bar pouring sake & specialty cocktails.
Cos Bar is a luxury cosmetics and skin care boutique featuring products for both men and women. Cos Bar also has talented make up artists to get you ready for a night out on the town.
The RockResorts Spa at The Lodge at Vail offers a spa experience of unmatched luxury, comfort, and versatility. Guests will delight in the intimacy and elegance of the spa's warm color scheme and soothing textur...
Head into Simply Massage for just that: a massage! From deep tissue to prenatal, their massage therapists will help you with any aches and pains.
When the small bed and breakfast that inspired the Sonnenalp first opened in Germany in the early years of the 20th century, Vail wasn't even on the map. As that humble German inn transformed into what would be...
Work out and then relax in Vail Athletic Club's expansive gym and luxurious spa. Participate in one of the 50 fitness classes offered, or partake in the Signature High Altitude Recovery.
If you have a sweet tooth, the Fuzziwig's is the place to go whether you're a kid or the grown-up version of one. Here, you'll be wowed by sweets all colors of the rainbow like classic hard candies, suck...
At this specialty chocolate retailer in Vail Village, you'll find premium chocolates in all shapes and forms, fudge, caramel apples, ice cream, other confections and, of course, hot chocolate.
Sundae's ice cream is made in small batches, on-site to ensure only the freshest and best qualitity. Located just steps from the Vail Transportation Center - quaint and conveniently located in the heart of town....
Gorsuch has been dressing skiers and snow lovers on and off-piste for over 50 years and is your one stop destination for luxury winter apparell for both men and women.
Grey Salt Vail outfits the guy who is always ready for life's next adventure. Grey Salt: Preppy, rugged and modern.
You'll find everything from cowboy boots in every size, height, and pattern to tassled bags and saddles here—along with the kind of toe-tapping soundtrack that'll keep you in the store for hours.
Perch's collection of contempoarary styles mixes the biggest names in modern design with emerging designers who are creating the future of fashion.
Skipper & Scout is the place for modern kids to celebrate everything cool about being a kid. This children's boutique offers the perfect blend of traditional and fun kids fashions.
The Golden Bear is a handcrafted jewelry boutique located in the heart of Vail Village. They feature an exclusive bear design that has iconically become known as The Symbol of the Vail Valley.
West Vail Mall offers excellent freeway visibility from I-70. Anchored by Sports Authority and adjacent to the Vail Safeway West Vail Mall is a successful collection of retailers and restaurants. Join Qdoba, Subway, ...
5 Beds 9 Baths 12,221 +/- SqFt
4 Beds 6 Baths 4,846 +/- SqFt
4 Beds 5 Baths 3,331 +/- SqFt
5 Beds 6 Baths 3,529 +/- SqFt
7 Beds 10 Baths 13,666 +/- SqFt
4 Beds 5 Baths 3,147 +/- SqFt
4 Beds 6 Baths 4,131 +/- SqFt
2 Beds 3 Baths 1,252 +/- SqFt
1 Bath 516 +/- SqFt
2 Beds 2 Baths 1,088 +/- SqFt
5 Beds 6 Baths 3,529 +/- SqFt
4 Beds 4 Baths 2,642 +/- SqFt
5 Beds 7 Baths 5,797 +/- SqFt
2 Beds 3 Baths 1,563 +/- SqFt
5 Beds 6 Baths 5,676 +/- SqFt
4 Beds 5 Baths 3,380 +/- SqFt


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Latest COVID-19 precautionary measures taken by Fisher & Paykel. Find out more
Fisher & Paykel's Fridge-Freezers sense and respond to daily use in an intelligent way using ActiveSmart™ Technology. Your fridge door is the most used door in your home and, every time it is opened, the temperature changes around your food. When it comes to your fridge, ActiveSmart™ controls the weather to deliver better food care.
Check with your local retailer for pricing, availability and stock of this model. The product dimensions and specifications in this page apply to the specific product and model. Under our policy of continuous improvement, these dimensions and specifications may change at any time. You should therefore check with your retailer or Fisher & Paykel's Customer Care Centre to ensure this page correctly describes the model currently available.

subset: commoncrawl


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Jered Weaver Collects His 7th Win + I'm in a Paso Robles State of Mind
I am very careful in my work and take pride in not making many mistakes. But when I do make them, they tend to all occur at once. A mini slump, if you will. Today was one of those days. Mistake 1 begat Mistake 2 and it's more public sister, Mistake 3. I owned up to them and put out the resulting fires. But it's good that we're driving to Paso Robles for the weekend as I typed this because, honestly, somtimes to get out of the head space that causes a cycle of mistakes to perpetuate like that, you just have to get out of town…
…Or come home again! The Angels broke up their own cycle of mistakes this evening with a much needed win over the Yankees, a win made all the more important by the fact that it was finally win #7 for Jered Weaver. So, was it a brilliant, awe-inspiring performance? Did the Angels, resplendent in their earliest years throwback jerseys complete with the original interlocking LA ball cap, strike fear into the hearts of the Yankees with their dominance at the plate? Um, no. Not really.
It was a lot of the same actually. The team hit well, especially Mark Trumbo and Peter Bourjos, but continued to struggle with runners in scoring position. The fielding was tight but neither Weaver nor the Yankee's Ivan Nova had a great start, though Weaver settled into his groove by the third inning, giving the team five additional strong innings and eight strikeouts. So, not an amazing performance, but the Angels battled through, held the Yankees to two runs for five innings and stubborned out a victory!
Besides, a W is a W and I could not have been more thrilled by the victory – for the team, for Weaver and for Angels fans. In fact, we were just outside of Santa Barbara when the Angels won the game and when my husband read me the last pitch – using the pitch by pitch on Gameday, because our ability to pick up the broadcast cacked it in Ventura – I let out such a loud whoop that we both started cracking jokes about the perils of loud cheering in the friendly confines of a Pontiac G6. So what do you say we do it again tomorrow? Sadly, Dan Haren will miss the first scheduled start of his career but we have Ervin Santana on the mound and that's nothing to sneeze at. Hmmm…time to start a cycle of winning? Yes, please.
On another note, this amused the heck out of me, so I figured I'd share. I believe I have mentioned before that the majority of my friends are not baseball people? The following statement from our weekly Wednesday gathering at the pub, illustrates this fact better than I ever could. The "lights out" Giants/Cardinals game was on the TV over the bar, Brian Wilson strides out to the mound in all of his Brian Wilson-y glory and my friend asks with a tone of shocked disdain, "Who the hell is that and why is he wearing a fake beard?" A quick glance around the table shows that she was not alone in her question.
Really? Just in case we needed another definition: Baseball people may or may not fear the beard, but they are at least aware of it.


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Quick, someone take a shower - I need to flush the toilet!
It's not actually like that at Kristina Rudnitski's home in Alta Vista, but when she and her husband Christopher Cooper had their new home designed by Ottawa's Jane Thompson Architect, they did include a grey-water recovery system among its many green features.
The unit, from Montreal's Brac Systems (bracsystems.com) and costing about $2,000 installed, collects and sanitizes water from the home's three showers and two bathtubs for storage in a 150-litre tank in the basement. The recycled water is then pumped into the tanks of three of the home's four toilets. The fourth toilet is on city water in case of a power failure.
"Water conservation was as important to us as energy efficiency and locally supplied materials," says Rudnitski, mother of two young children and an employee at Environment Canada.
With a grey-water recovery system, two showers a day typically provides a family of four with enough water for all toilet flushing. Proponents say grey-water recycling, which can include water from dish and clothes washers and can also be used for outside irrigation, can reduce household water usage by up to 40 per cent. With the average water bill in Ottawa reaching $662, that's a chunk of change.
Yet only about five per cent of homes under construction incorporate a grey-water recovery system, according to Chris Higgins of the Canada Green Building Council. The organization certifies LEED (Leadership in Energy and Environmental Design) homes. When it comes to household water conservation, says Higgins, "most people take the low-hanging fruit of low-flush toilets and low-flow shower heads."
One reason is a fear of water contamination after disasters such as Walkerton. It's a misplaced fear. Grey water is treated before being reused and its uses do not typically include drinking, cooking or bathing.
With water charges in many municipalities not reflecting the actual cost of providing the resource - in Vancouver, for example, Higgins says water bills run around $150 a year - there's also little incentive to install systems or even reduce consumption. "You can get a clear payback on better windows or feel good about recycling construction materials, but with grey water, you ask, 'What's the advantage?' " he says.
That's faulty thinking, says John Godden, owner of Toronto's Clearsphere, which specializes in residential energy efficiency and sustainability. We Canadians, used to abundant clean water, think of it as free. But we're not accounting for the immense cost of building and maintaining the infrastructure to supply water.
Other obstacles to grey-water systems, which can be added to existing homes, include the occasional cleaning of filters and the addition of chlorine pucks. Neither is an onerous process, says Rudnitski, but busy homeowners typically balk at taking on more maintenance chores.
The new Kanata North Recreation complex, which is seeking a LEED gold certification and is scheduled for completion in 2013, will include a grey-water system. It will capture shower and sink water for treatment by an in-house biofilter, chlorinator and UV sterilization process before being pumped back to toilets and urinals.
Ottawa's Phoenix Homes has introduced the Platina model brimming with green features, including a system that provides treated water for irrigation.
Builders are starting to take notice of grey-water recovery, says John Bell of Toronto's HTO Water Technologies, which supplies greywater recovery and other systems. Among the attractions: less water usage could earn developers brownie points with municipalities, perhaps leading to a cut in development charges and permission to build less densely because of reduced infrastructure costs.
Smaller scale grey-water recovery systems are also available. Walmar Mechanical Sales in Nepean (www.walmar.net) sells the AQUS system, which sanitizes water from the bathroom sink before pumping it into the toilet tank to supplement citysupplied water. It costs $320 plus installation.
Ottawa's Boone Plumbing (boone.ca) carries Caroma's new Profile Smart toilet ($643.95). It's a sink mounted on top of a high-efficiency toilet: wash your hands, and the water refills the toilet tank. However, to avoid bashing your knees on the toilet you need enough space on at least one side to comfortably reach the sink.


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Independent escorts are in fact escorts working in brothels. One of the more common opinions is that there are simply escorts working for different brothels, which creates the perception that one is always different from the other. The truth is that independent escorts and prostitutes do work for the same brothel. So, if you are not aware of the difference between the two, here is what you need to know.
For one, independent escorts will generally be younger than sluts. They are also more independent and self-reliant. They can handle a huge amount of customer inquiries and their budget is comparatively smaller. Most brothels only hire one or two independent escorts. Their performance is also a guarantee for their long-term relationship with the brothel. So, they are very important assets of any brothel.
Independent escorts are usually in their early thirties and have either been living with their families or are housewives. These are considered very desirable clientele because of their abundant sexual experience. They are also more interested in sex than in other service sectors. This allows them to have better communication with the customers in order to satisfy them completely.
As such, these brothels are always preferred by independent escorts. They do not like the formal atmosphere of the more formal brothels. Independent escorts prefer the more laid back and relaxing atmosphere of the brothels. They work very much independent.
Brothels usually require a minimum fee per hour to be paid by their independent escorts. It is not compulsory for them to pay their independent escorts' fees. However, most of them generally opt to do so to preserve their independence.
Brothels also require that the working hours of the escorts must be mutually agreed upon. As a result, the escorts are not always able to get free time.
Most of the independent escorts working in brothels are called "Sluts". They are actually working for a brothel with no reservations, regardless of their age.
Sluts are generally adult females and they are considered to be more desirable and able to satisfy the brothel's customers. But since they are only working for the brothel, they do not want to reveal their age. They may actually be very young and very inexperienced.
In the sex industry, it is the duty of the brothel to look for sluts. There are many scams in the sex industry and people who try to lure sluts. So, they must be careful about all that they do. If the brothel finds a partner, the brothel has to face an important financial problem.
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As a result, brothels always look for independent escorts. The clients have an incentive to avoid the bad reputation of the brothels. Most brothels look for independent escorts to help their credibility. It is not very easy to find a sex worker that is totally reliable.
Therefore, the brothels look for independent escorts so that they can avoid dealing with sluts. Once they have a trusted partner, they can continue their business without being dependent on brothels for their clients.


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Before you read this blog, I feel I need to preface it. I have been writing in the pages of Investment Advisor magazine and on the virtual pages of AdvisorOne for nine years now. What I have learned about being a writer is that it gives you an opportunity to process your thoughts and actions (or someone else's) as a professional and as a real person.
Most of the time, we write about complex situations that benefit our readers. However, I also know that writing does a lot for the soul of the writer herself. In thinking about my blog subject this week, I decided to write about dealing with tragedy in a company.
This blog may in fact be more for me than for you right now. I debated about publishing it and even turned it in late. I ultimately decided to go ahead with it because it was, indeed, exactly what I needed to say. My hope is that you never have to experience what I talk about in this blog. I hope that if one day you experience something similar, you will remember this article, refer back to it and the words will be encouraging and helpful to you.
Here's the situation: Last week we had a tragedy in our office. One of my employees was diagnosed with lung cancer and given less than a year to live. As you might expect, she immediately quit working to decide about what treatment, if any, to pursue, and to spend time with her family. In a small business like ours—like many advisory firms—the loss of any employee has a major impact, and even more so when it's the result of something tragic like this.
The first thing you should know is that everyone (employees, partners, spouses, friends) reacts to terrible news in different ways. However, upon first hearing bad news you can almost predict the reaction.
First, there's denial—Are you joking? That's not true! It will be fine! Take a shot of tequila! Then there's anger—Yell, slam a door, and/or throw, break or punch something. Finally, many people just cry. I know this because in my 35 years on this earth I have dealt with death and tragedy too many times. In my first business, two of my employees were killed in a car accident, and eight months later my mother died. I've had a best friend diagnosed and die of cancer at age 32, in addition to the expected deaths of my grandmother and grandfather. I've also gone through this a few times with my client firms. I've dealt with everything from a suicide to a plane crash. But as they say, it's always different when it happens to you.
In our culture, people my age don't usually have to deal with the loss of a peer. With the death of grandparents and eventually our parents, we're often somewhat prepared, and then we usually have family to support us. But in a small company, where co-workers usually become friends, we haven't developed ways to cope with such a loss.
In my office, people reacted in different ways. My business development manager increased his focus on significantly growing the company—totally impractical considering the hole in our current workforce. My office manager couldn't bear to take our former colleague's name off the staff meeting agenda, and later, shattered a glass against the wall. Me? I'm an avoider. I refused to go into the office and compulsively cleaned my house listening to "The Fighter" by Gym Class Heros on repeat for hours. While vacuuming and in my typical pattern of avoidance, I simply decided we wouldn't replace her (even though the firm was running at maximum capacity when she was working).
We all deal with grief and tragedy in our own ways: denial, anger, overwork, avoidance, etc. But what I know for sure is that it's important to let everyone work through their sudden shock in their own way. Yes, we have to work together to maintain our high level of client service, which in itself can be healing. But we also need to be aware that the remaining staff will have additional needs—and probably need additional time—to get back to the point where we're conducting business as usual.
As the leaders of our company, business owners need to be sensitive to these various needs. And understand, no matter how much you have gone through personally and professionally, there is no right way to deal with tragedy. In our first staff meeting after we got the bad news, I learned this the hard way. My focus was to start dividing up the firm workload as if we weren't going to fill the vacancy—without actually explaining that to everyone. Consequently, I got impatient with the predicable pushback. It wasn't my finest moment.
Instead, I should have known better than to immediately make any long-term decisions. (As I said, I tend to avoid anything that reminds me of my sad feelings.) I also wasn't very sensitive—read: not—to how my employees were feeling. We did need to divide up the extra work, but it probably could have waited another day or two or perhaps even a week. And when we did so, we should have limited our focus to only those things that absolutely needed to be done in the next couple of days: a longer-term redistribution of duties can wait until everyone's in a better place to think realistically about them.
Making decisions before people are ready to make them usually doesn't turn out well under any circumstances. When people are dealing with strong emotions, it's even worse. That goes double for firm owners. Before we do anything, we need to get ourselves back to the place where we are thinking clearly about our business, our clients, and our employees—and really, really try not to make any big decisions.
I suppose I am really writing this blog to say that in life, we have to let go of people under many circumstances which are not ideal. When tragedy happens, what makes a great leader in the professional world is realizing you have to take care of your emotions first without immediately reacting, and then slowly be patient, support, and be very sensitive to everyone else under you. Eventually, I know, we will find a new normal.
Lastly, my former employee religiously reads my articles and blogs. Teresa, if you are reading this, in the words of the song The Fighter, "If you fall, pick yourself up off the floor. And when your bones can't take no more…that's when you press on. Give em' hell, you are a fighter."


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Canadian buyers continue to snap up Florida real estate, says a recent survey of foreign buyers produced by the National Association of Realtors on behalf of the Florida Realtors association.
The survey tracked foreign buyers for a 12-month period from mid-2010 to mid-2011.
"For that period, one in four Florida homes was purchased by a foreigner, and the largest single country represented was Canada," says John Tuccillo, chief economist for Florida Realtors. "Canadian sales represented 10 per cent of all home sales in the state during that period."
Canadian buyers were looking for bargains with the median price of homes purchased at a little over $151,000 US.
More than 90 per cent of those deals were completed strictly with cash.
Almost two-thirds of Canadian buyers targeted homes in five locations — Tampa St. Petersburg-Clearwater, Miami-Fort Lauderdale Miami Beach, Orlando Kissimmee, Naples-Marco Island, and Cape Coral-Fort Myers — all in the southern half of the state that was hit particularly hard by the housing downturn.
The price of a typical south Florida condo has fallen by 45 per cent since 2005, says Tuccillo.
"There's still strong demand at both ends of the price spectrum," he says. "We're seeing a lot of activity on the part of investors with a long-term view in the lower half of the market. The demand for higher-priced properties has also held up reasonably well."
Canadians represent about 30 per cent of buyers in Naples, a popular Gulf Coast destination.
"We're smaller than Miami and the beach is very accessible," says Tom Doyle, a realtor with Sun Realty in Naples. "There's no retail area blocking off the waterfront — you can't get a tattoo on Naples Beach."
Doyle says Canadians typically snap up two-bedroom condominiums built in the late 1980s and early '90s near the beach at an average of $150,000.
Right on the beach, though, "it's a sellers market, with homes going for up to $22 million," says Doyle.
Naples housing prices are stabilizing as demand rises, he says.
"Our inventory is half what it used to be and anything worthwhile gets snapped up, most of it in cash transactions. You can't buy anything at the price it sold for last year."
The Fort Lauderdale super-luxury market is also rebounding, says Kelly Drum, partner in that city's family-owned Drum Realty.
"The market was a little flat, but it's coming back with properties in the $4 million to $20 million range in our listings," he says.
Drum notes that property owners in the Fort Lauderdale luxury market are under little pressure to sell.
"These are typically people who have an interest in simply putting their money someplace else," says Drum. "Properties that might have attracted $15 million in 2006 and 2007 may only sell for $10 million today, so the challenge is getting the owners to list the property to reflect the reality of today's markets."
In June of 2010, Drum sold a property to a Toronto buyer for $7.64 million.
"It was a spectacular property with water on three sides — like its own private island," he says. "The gentleman purchased it just for the land and tore down a 15,000-square-foot house to build a new 18,000-square-foot home."
According to U.S. real estate information specialist Trulia, the median price of all properties sold in the Fort Lauderdale market was $160,000 during the quarter ending in September.
That's up almost 12 per cent over the same time last year, but down slightly since the previous three months.
Drum doesn't deal in distressed real estate but notes that foreclosure sales are still common in the lower-end market.
"If I was a Canadian buyer, I'd come down with cash," says Drum.
"A cash buyer competing with a mortgage contingency buyer could still walk away with a property at a discount, even if that buyer was willing to pay list. Cash commands very attractive deals in this market."
Although geographically part of south Florida, Key West is a market all to itself. Expect to invest hours in travel time from the mainland, either by car, air or ferry.
In Key West, all real estate is in the high end," says Cory Held, a realtor with Preferred Properties/Coastal Realty in Key West.
Stately luxury homes ranging to about $10 million grace the community's Old Town, while renovated homes ranging from $500,000 to $2 million are found in New Town.
The community remains under a Rate of Growth
Ordinance that sees few new properties entering the market and limiting supply.
"High-end properties used to move much more quickly," says Held. "Now properties selling at $2-million may remain on the market for a year or two — bearing in mind that might be a small house on a small property in Key West."
Two years ago, Held sold a 5,400-square-foot home "that looked like Tara" with pool, two guest houses and beach access for $1.76-million. It had previously sold for $5.4 million.
By comparison, a similarly appointed 3,440-square-foot home, with two guest houses,
four bedrooms, four and a half baths, pool and library has been offered at $2,999,999.
"I'm currently working with a couple out of Toronto who own a condo unit here and they're looking at buying something else," says Held.
"I'm encouraging them to hold onto it as an income property and to buy an additional property. I'd advise any Canadians entering this market to come with a certification of funds and to buy literally as high as you can afford.
"Key West remains very desirable and prices will definitely bounce back."
There are bargains to be found throughout Florida, although it might mean looking beyond your ideal location.
Tuccillo's advice to Canadian buyers: "Look for a lower-priced home in a good location that's accessible to water and golf courses. If you can't afford a location like Naples, move a little north to the Fort Myers-Cape Coral area to find bargains."


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With the current boom in real estate investment trusts, alternatives investors and their advisors are wondering whether it's safe to re-enter the nontraded REIT market since FINRA's warning on this illiquid investment.
The answer is: not if you're a retiree or nearing retirement age. Nontraded REITs are generally unsuitable for older or retired investors because of their need for liquidity, including access to money in case of medical costs.
"Nontraded REITs are generally illiquid, often for periods of eight years or more," the Financial Industry Regulatory Authority (FINRA) warned last August in an investor alert. "Early redemption of shares is often very limited, and fees associated with the sale of these products can be high and erode total return. Furthermore, the periodic distributions that help make these products so appealing can, in some cases, be heavily subsidized by borrowed funds and include a return of investor principal."
Of course, nontraded REITs have their defenders. The Investment Program Association (IPA) says that while nontraded REITs are illiquid, they typically go from offering to liquidation within four to seven years. The IPA also points out that every nonlisted REIT is an SEC-registered vehicle and files audited financials, so use of funds are certified by an auditor, often one from the Big Four.
In addition, the CCIM Institute, a trade group for certified commercial investment members, argues that nontraded REITs offer stability and portfolio diversification. Others point to nontraded REITs' advantages in reducing taxes while providing returns on real estate.
"While nontraded REITs have relatively limited liquidity, they offer the same benefits as their publicly traded counterparts," according to an article in CCIM's Commercial Investment Real Estate magazine. By definition, the key benefit of nontraded REITs is that they are not yet publicly traded. Subsequently, they offer the reasonably predictable cash flow of publicly traded REITs without the volatility incumbent in the public markets.
FINRA Warns of Risks
FINRA acknowledges that nontraded REITs offer selling points such as "the opportunity for capital appreciation, diversification and the allure of a robust distribution," but it adds that these investments also carry complexities and risks. "Distributions are not guaranteed and may exceed operating cash flow," with distributions possibly containing returns of investors' principal, FINRA warns.
Also, fees can add up. Individual investors are drawn to the steady 7% annual returns of nontraded REITs, but initial fees may be around 10% of their investment, according to The Wall Street Journal.
FINRA's concerns about the risks of nontraded REITs came to a head in May 2011 when it filed a complaint against David Lerner & Associates Inc. of Syosset, N.Y., charging the firm with soliciting investors to purchase shares in Apple REIT Ten, a nontraded $2 billion REIT, "without conducting a reasonable investigation to determine whether it was suitable for investors." However, U.S. District Judge Kiyo Matsumoto dismissed a class action lawsuit against David Lerner's firm in April.
But now, as low interest rates on many investments stay stuck in the low single digits, investors are actively seeking higher risks along with higher rewards, according to the Investment Program Association (IPA), which is the trade group for the direct investment industry. The IPA asserts that high-net-worth investors surveyed expressed interest in securities such as nontraded REITs and business development companies (BDCs).
The past two years have seen record sales of nonlisted REITs and BDCs, the IPA says in a new report, citing data from the investment bank Robert A. Stanger & Co. In 2012, the bank estimated total sales of nonlisted REITs to be $10.3 billion and sales of BDCs to be $2.8 billion. In the first quarter of 2013, total sales of nonlisted REIT sales were estimated to be $3.9 billion and BDC sales for the quarter were estimated to be $655.7 million.
"In a sign of strong confidence in real estate investing, a recent survey of over 500 high-net-worth investors found that 80% believe that commercial real estate will perform the same as or better than the equity market over the next five years," the IPA reported. "These findings imply a 15 percentage-point increase in future ownership of nonlisted REITs and an 11 percentage-point increase in future holdings of BDCs."
The nontraded REIT isn't a complicated vehicle, but there have been plenty of misunderstandings about its benefits and challenges, said Charles Schreiber Jr., chief executive of Newport Beach, Calif.-based KBS Realty Advisors, a large office investor, and its affiliate KBS Capital Advisors, in an interview with AdvisorOne.
KBS CEO Schreiber Embraces 'More Transparency'
KBS, a pension fund advisor founded in 1992 that launched its first nontraded REIT in 2005, is now one of the largest office investors and owners globally, at transactional volume of approximately $25 billion. The firm has five nontraded REITs, 14 separate accounts, six commingled funds and five sovereign wealth funds.
The nontraded REIT market is relatively new, with its period of greatest activity dating back only eight years, and it got slammed by the 2008 financial crisis and 2009-'10 drop in real estate, Schreiber admitted. Yet today's low yields in fixed-income products "have directed advisors and investors to look seriously at REITs as an alternative way to invest in real estate products with the intent to diversify the investment portfolio," he said.
Schreiber, whose firm's chief compliance officer listened in on the phone interview, said he couldn't comment on a class-action complaint filed in May against KBS REIT I. But he did say that he favors FINRA and the Securities and Exchange Commission's efforts to advance numerous regulations and requirements in the reporting of investment activities within the REIT market.
"It requires more transparency. We embrace this, we applaud this. It complements the type of vehicle that the nontraded REIT is," Schreiber said, pointing to changes now underway in the reporting of net asset values.
To be sure, investors have other ways to get exposure to REITs. Traditional REITs or exchange-traded funds (ETFs), for example have gained in popularity, Street One Financial's vice president of ETF and options sales and trading, Paul Weisbruch, reported April 22 in ETFTrends.com.
"The REIT space thus far in 2013 has impressed in terms of garnering new assets, with the two largest products in the category, VNQ (Vanguard REIT [ETF], expense ratio 0.10%) attracting greater than $2 billion year to date, and IYR (iShares DJ U.S. Real Estate [index fund], expense ratio 0.48%) taking in north of $500 million," Weisbruch wrote.
Even some in the nontraded REITs market are changing the way they do business since FINRA's investor alert, issued in August. For example, the website for Clarion Partners Property Trust (CPPT), which launched on Nov. 1, provides shareholders with a daily net asset value (NAV) calculation, based on data from an independent valuation advisor.
But buyer beware: While CPPT's daily liquidity is available, quarterly redemptions for the fund are capped at 5% of NAV. Disclosures on Clarion's website state that because CPPT is a blind pool offering, "you will not have the opportunity to evaluate our investments before we make them."
Further, since there is no public trading market for shares of CPPT's common stock, "redemption of shares by us will likely be the only way to dispose of your shares," Clarion states. "Because our assets will consist primarily of properties that generally cannot be readily liquidated, we may not have sufficient liquid resources to satisfy redemption requests."
Read FINRA Issues Top 10 Watch List for 2013 at AdvisorOne.
(The story has been clarified to reflect that the IPA itself is not asserting that investors "want in" on nontraded REITs and BDCs; their conclusion was drawn from a third-party survey of investors.)


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Started drawing as a child of 5 years. I used to draw on sand and on soil from my imagination and observations. Later painted graffiti on wall as a teenager in Bangladesh. As a youth with high interest in arts and paintings, during school and college-going years, I also started making notebook sketches on subjects of my interest. In 1986 I joined the advertising company in Bangladesh called �Prochar� as a junior artist, and entered the world of professional artists. In 1992, I came to Canada and joined �Bangla Barta� (a Bengali community journal of art, literature & statecraft) as an Art Director. In order to pursue my career further, later on I joined College Inter-Dec in Montreal as a student in 1995. I graduated from the College...
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Last month at IxDA Interaction 11, we hosted an evening in our office in Boulder full of food, drink and discussion, to bring some of our learnings around Lean User Experience to the larger design community, and in particular to attendees of the annual international IxDA conference.
We had such a great time with it, and started so many great conversations, that we decided we had to do it again at SXSW. This Saturday, at Adaptive Path Austin, from 6-9pm, we're hosting deLUX REdux, and you're all invited. (Register at Eventbrite.)
Since we've been working with Eric Ries on his Lean Startup track this Saturday, we thought an event Saturday evening was a great way to share what we've learned with a wider community. And since we're on the topic, why don't you come see our own Parker Thompson on a panel with Eric at 9:30a, and join Janice Fraser from LUXr and myself on a panel at 12:30p with Dave McClure and Laura Klein.
So what is the event all about?
For the past year, we've been sharing ideas and discussing new ways to approach design and product development, to create better products, make happier customers, and reduce waste. We've been doing this while creating better integrated, more collaborative, more responsive teams. In that time, a number of us have been getting together on a regular basis to really sit down and discuss what works and what doesn't, and to try to distill these ideas into principles and techniques that are repeatable and practical.
We've been itching to engage with the larger design community to start to break down the culture of Big Upfront Design, the Cult of the Rockstar Designer, and the culture of necessary infallability; to fight the blind application of Waterfall and to disrupt the antipatterns we've found so antithetical to effective collaboration with agile development teams; to encourage patterns that allow designers to embrace early customer feedback, and to test hypotheses quickly; and most importantly, to foster a deeper collaboration with the very folks who have the biggest impact on what we build. We've seen over and over that, when done correctly, a light-weight process gives designers more control, not less.
It's out of this series of discussions that I first arrived at a framing of the problem space that I talk about in Enough Design, and it's also through these sessions that we've found a growing community of designers, product people, enterprises and other developers who are working to develop better techniques for integrated product development. We've found the conversation immensely valuable in our practice, and we hope to learn and share with more of you.
So if you're a designer in Austin for SXSW, or just someone who cares about usable techniques for bringing Lean principles into the development of compelling User Experience, come join us on Saturday for deLUX REdux. This is a free event, but space is limited, so please RSVP through Eventbrite.
Thanks so much to Adaptive Path for sharing their Austin office with us, and to everyone at LUXr, Hot Studio, Sidereel, Cooper, IDEO and the Balanaced Team for their help making this happen.
About the Author


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In His Own Words: Living with Erectile Dysfunction (Impotence)
Tony, who lives in London, England, just turned 50. For his birthday, his friends and family surprised him with a helicopter ride around the city. He even got to fly the helicopter. He is retired due to a serious industrial accident. Eleven years ago, Tony fell from a high-rise scaffolding. It was this accident that resulted in his impotence.
What was your first sign that something was wrong? What symptoms did you experience?
After I fell, I was in the hospital for four months recuperating. I had so many other problems—broken bones, a crushed wrist—that getting an erection was the last thing on my mind. I did notice though, that I never was waking up with an erection. Once I returned home to my wife, then it really hit me that something was wrong…I could not get an erection.
Then, your mind gets involved and it becomes a vicious cycle. I would be so concerned about it. I couldn't stop thinking about it. I asked my wife Kathy to have a look down there, to see if anything looked funny. She let out a gasp—my entire underside was bruised. She said that every color of the rainbow was represented.
We decided to wait and let the bruising go away, but that didn't help. I could still not get an erection.
What was the diagnosis experience like?
It was frustrating. When I brought it up to the doctor (which was not easy), he would tell me not to worry about it. After about 6 months, I transferred to another doctor closer to my home. Again, I brought it up to him. He told me the same thing…don't worry about it. I'd like to see them not worry about it if they couldn't get an erection.
One afternoon (about 16 months after the accident) I was getting ready to go to the doctor and Kathy asked if I was going to bring it up to him. When I said that I had tried, she offered to go with me and do the talking. That was an enormous help. It is difficult to talk about it yourself.
The doctor finally referred me to a specialist, who said I had two options. One was to give myself an injection in the penis every time I wanted to be physically intimate. The other option was a vacuum pump that you put over the penis, pump it until blood fills the penis, and then slide a ring down to the base of the penis to keep it hard for physical intimacy. The pump sounded a lot easier than sticking a needle in my penis, but it was not covered by my insurance and I could not afford it. The injections were covered, so the needle it was.
Kathy and I went home, but I could not give myself the injection. She had to do it. And it worked. We made love for the first time in 16 months and it was wonderful. However, the next time we went to do it, Kathy started crying and said that she just couldn't give me the injection. She was so afraid she would hurt me (the injection had to be given just so). I couldn't blame her; I couldn't do it either. So we just held each other and cried. We may not have our love making, but we had each other.
What was your initial and then longer-term reaction to the diagnosis?
As I am sure you can imagine, I was devastated. At first, when the doctors were telling me not to worry, I tried to believe them, that it was something temporary. But after 16 months, I was completely beside myself.
How is impotence treated?
Well, this story does have a happy ending. After the injection didn't work, I went back to the specialist. He told me about a clinical trial that was just starting. It was for a drug that you push down into your urethra prior to making love. I entered the trial and to my delight, it worked.
But, it became completely inconvenient. You have to keep the drug in the refrigerator. Our bedroom is upstairs. I would have to walk downstairs, past my daughters, get the medication, go into the bathroom and slide the cold pill into my urethra. But, I was making love with my wife again and that was what mattered.
One day I was sitting watching the TV and I got a phone call from the BBC [a broadcast network in London]. There was a clinical trial starting of Viagra, and they wanted to document a person participating in the trial. The gentleman wanted to know if I was interested. I had heard of six men dying in the States on Viagra so I said no thanks, it's not worth it. But, the man asked if I would reconsider if they paid for a complete physical at one of the best hospitals in London. I agreed. It was from this exam that I was finally diagnosed with nerve damage, which made me a perfect candidate for Viagra.
Now I take Viagra orally about an hour before I want to make love. No refrigerator, no injection, no pill down the urethra. It has been amazing. The only down side to it all is that insurance only covers four pills a month!
Did you have to make any lifestyle or dietary changes in response to impotence?
No I really didn't. But I will say that in those 18 months, I got very good at learning other ways to be physically intimate with Kathy.
Did you seek any type of emotional support?
This happened 11 years ago. There weren't any organizations that I could find at that point. It has only been recently that people seem slightly more willing to talk about it. Now I am actively involved with the Impotence Society in London.
Does impotence have any impact on your family?
As I am sure you can imagine, it had a profound effect on my relationship with my wife. But she is amazing and we have really become stronger and closer because of it. At one point I was afraid she would leave if I couldn't make love to her. And I wouldn't have blamed her. But she informed me that although there were other things I could do that she'd leave me for, that was not one of them.
What advice would you give to anyone living with impotence?
As annoyed as it made me when the doctors told me this, I would tell someone not to worry. You can create a vicious cycle in your head. If it isn't something medical, and it is psychological, you will only compound the problem.
I found that a lot of doctors don't know how to treat impotence or don't want to know about it. You have to keep pestering. Keep trying to find treatments that might work for you. And ask about clinical trials. It saved me.


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Parent Directory | Revision Log
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|(view) (download) (as text) (annotate)
gentoolkit guide moved to https://wiki.gentoo.org/wiki/Gentoolkit
use devmanual instead of deprecated devrel handbook for metadata.xml info, bug 445352
Fix bug #427860 - Use /etc/portage for make.conf and make.profile. Old location (/etc) is still supported, this is a heads up (new default)
Coding style updates, thanks to Chema Alonso (nimiux)
Updates on bug #269071 thanks to Chema Alonso (nimiux)
Bug #269071 - Many updates on gentoolkit.xml documentation, thanks to fuzzyray
update FAQ and gentoolkit guides for eclean info, bug 339043
remove dead link to the glsa-check document, bug 322465
Coding style
updated gentoolkit guide for bug 171446
coding style fix, no content change
#179617 Typo fix, thanks to Charles Clément
typo fix, no content change
fixed gentoolkit doc filepath typo, all translations, no revbump. bug 169501.
removed references to mozilla in current docs due to its masking for removal
overhauled gentoolkit.xml for use flag & package changes, bug 155500
Removed XMMS references, bug 153830
Removed some tabs (blame rane) **No Content Change**
Updated email for fox2mike
New equery instructions due to #75887
#86937 - euse updates + warning about brokenness
#75802 - qpkg is deprecated, unmaintained and unsupported; removing chapter from guide (patch by so|gentoo)
Fixed links into the handbook
Fixed typo (noticed by Simon Jandreski)
Removed rogue dash, shortened links. --No content change--
Wrapped long line in code listing 3.2
gentoolkit.xml is back
#55154bis s/--dup/--dups/
fix example 2.3 typo #55154
Fixed coding style.
replacing chown user.group by chown user:group (posix is our friend)
#43858, fix typo
Fixed gentoolkit's category
Added $Header$ cvs tag -- NO CONTENT CHANGE
ZhEN asked to have his e-mail address removed from all docs
Fix guide.xsl issues
changed encoding to UTF-8
changed all of the <guide link> tags so that they are current
try #10030
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Verivo Software has launched its Akula 2.0 mobile application server product. The technology is an open platform designed to secure and govern mobile services and applications while allowing development teams to access and reuse these services using the front-end tools of their choice.
"As enterprises develop multiple complex apps, IT oversight and governance become more difficult to enforce, thus compromising security, control, management, and visibility," said Chris Marsh, principal analyst, enterprise mobility at Yankee Group. "Enterprises need an open and extensible platform that, rather than just sitting as another silo, can work with existing IT infrastructure and scale policy, security, and compliance across mobile assets."
Akula 2.0 claims to be able to "fill the gap between SOA and the needs of mobile devices" by providing services for security, data access, data sync, monitoring, and management.
New features include a capability that provides a number of built-in client actions to any app automatically including force logout, data wipe, and refresh app permissions, all of which can be generated from within the Akula management console.
A push notifications feature enables mobile app developers to add push notifications, such as alerts, badges, and sounds across all of their iOS and Android devices.
The Akula server management console has been expanded to replicate all of the functions of the Akula management REST APIs and allows full management of Akula mobile apps at runtime. Developers can now create a new Akula app project in a single step with the Verivo-hosted public Maven repository.
The Akula client SDK is now certified for Android 4.4 (KitKat).


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Chicken Sausage Brown Rice Stuffing with Celery and Mushrooms
Use a good quality sweet Italian chicken or turkey sausage for this. If you can't find one, Julia calls for using two links of Italian pork sausage and ground turkey meat to make up the difference. To serve this as a main dish, double the portion. It would be 7 servings, 1 1/2 cups.
Chicken Sausage Brown Rice Stuffing with Celery and Mushrooms
- 1 1/2 cups brown rice
- 3 1/2 cups water
- 1 chicken bouillon, I used Knorr
- 5 links, 14 oz raw sweet Italian chicken or turkey sausage (I used al fresco)
- 2 tbsp olive oil
- 6 celery stalks, chopped
- 1 large onion, chopped
- 16 oz sliced fresh mushrooms
- salt and fresh cracked pepper to taste
- Cook brown rice in water and chicken bouillon according to package directions.
- While the rice is cooking, in a large heavy saute pan cook chicken sausage on medium heat, breaking up the meat into small pieces as it cooks until the sausage is cooked through and is browned. Set aside on a dish.
- Add olive oil to the pan and add the onion, sauté one minute, add the celery, salt and pepper to taste; cook about 12 minutes, until celery is soft.
- Add the mushrooms to the pan, more salt and pepper if needed and cook, stirring 5 minutes, then cook covered for 2 minutes, or until the mushrooms have released their juice and are cooked through.
- Add the sausage and the cooked rice to the pan and mix well.
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The difference between a brand name and a generic one
is in
the name, shape and in the price. A generic is usually called by
the name of the active ingredient while a manufacturer uses a brand
name. However, a manufacturer cannot possess a patent for a certain
chemical agent, this is why manufacturers of generic medications can
legally produce the so-called "generics". They are the same chemically
and since the active ingredient is identical, they have the same
medical effect. Thus buying a generic one pays less but gets
the very same result.
Unlike generic , a large part of the costs incurred by
manufacturers of brand name are for research and development and
advertising. The expense of obtaining FDA approval alone in the U.S. is
enormous. Manufacturers of generic do not have to absorb or
recover these costs. Consequently, significant cost savings can be
passed along to you.


text:
The life-changing experiences of 500 University of Miami students who learned about the Holocaust through the year-long relationships they forged with Holocaust survivors.
This WETA TV 26 production explores the history, mission and daily operations of Arlington National Cemetery, the final resting place for more than 400,000 Americans. This revered place honors the dead and brings great meaning to the living.Learn more →
Hear the next generation of classical champions as talented teens play the classics in concert.Learn more →
Curious George uses George's insatiable curiosity as a way of acquainting preschoolers with key concepts in math, science and engineering.When to watch on WETA Television →
Our connection to Washington includes educational efforts that reflect and serve our distinctive region.Learn more →
WETA's mission is to produce and broadcast programs of intellectual integrity and cultural merit that recognize viewers' and listeners' intelligence, curiosity and interest in the world around them.Learn more →


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The EMF project is a modeling framework and code generation facility for building tools and other applications based on a structured data model. From a model specification described in XMI, EMF provides tools and runtime support to produce a set of Java classes for the model, along with a set of adapter classes that enable viewing and command-based editing of the model, and a basic editor.
EMF (core) is a common standard for data models, many technologies and frameworks are based on. This includes server solutions, persistence frameworks, UI frameworks and support for transformations. Please have a look at the modeling project for an overview of EMF technologies.
EMF consists of three fundamental pieces:
Three levels of code generation are supported:
All generators support regeneration of code while preserving user modifications. The generators can be invoked either through the GUI or headless from a command line.
Want to learn more about how easy it is to use this exciting new technology to help you boost your Java programming productivity, application compatibility and integration? Start by reading the getting started, followed by more documentation, and then sit back and watch your applications write themselves! Well, not completely, but this wouldn't be a sales pitch if there weren't a little bit of exaggeration.
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100 years after its birth, the Bauhaus movement puts its stamp on the collection and surprises us with its modernity. In a study of colour, Misura breathes life into geometric forms with straight, clean lines.
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Jolt Awards: The Best Books, October 01, 2013 Five notable books every serious programmer should read.
Productivity Award: Dependency Injection in .NET
By Mark Seeman
Mark Seeman's Dependency Injection in .NET is aimed at the large number of developers who have never used dependency injection (DI) or who aren't comfortable enough to employ it routinely. The first two chapters provide a brilliant and remarkably readable explanation of DI and illustrate through well-chosen examples where and how DI makes sense. In this early going, Seeman avoids using a specific framework, which in other books forces the reader to learn particular semantics in order to simply understand the pattern. His explanation of inversion of control (IoC) is conceptual and clear, illustrating the benefits of loose coupling and simpler coding. He then pushes on into a catalog of patterns that rely on DI. Along the way, Seeman also discusses anti-patterns that undercut the benefits DI can deliver. To remedy the latter and to show how DI is best done, the author also expounds on DI refactoring, which shows how well this model can work and how it improves readability, maintainability, and testability of code.
The code is in C#, which means that it will be readable to developers who know Java, C++, or other languages with a C-based syntax. However, once the basics have been explained and the patterns and anti-patterns explored, the book dives into DI frameworks for .NET, notably StructureMap, Castle Windsor, Ninject, and Unity. It also explains integration of DI with Microsoft ASP.NET.
There are certainly other books on the market that cover DI and IoC, but none of them explain the principles and the design of these patterns as well or as thoroughly as this book. It's the definitive guide to DI and the first place architects and implementers should turn for a truly deep and complete understanding of the pattern regardless of whether .NET is part of their toolkit.


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Robert Rodriguez, the legendary fund manager and CEO of First Pacific Advisors who forecast the global financial crisis, does not mince words in disagreeing with the policies of the federal government. And in a wide-ranging interview with ThinkAdvisor, he held true to form.
Beyond the debt default deadlock, the value investor warns of rough sailing ahead for the nation and the securities markets.
Back in 2007, Rodriguez moved to a cash level nearly 12 times that of the industry. Today, the Los Angeles-based First Pacific manages assets of $26 billion. Its Capital Fund has a compounded rate of return from July 1984 through Sept. 30, 2013, of 14.8%. The New Income Fund has not had a down year in almost 30 years.
In 2011, Rodriguez handed over day-to-day management to his First Pacific partners. A managing partner, he remains an advisor to both funds.
The value contrarian spoke with ThinkAdvisor from his office in Lake Tahoe, Nev. Here are highlights of that conversation.
ThinkAdvisor: Your thoughts on the impasse and government shutdown?
Robert Rodriguez: We have a lot of passion on both sides. The question is: Who's going to be the lead dancer in this governmental tango? Obviously, the length of the dance will have negative impact on Q4 GDP — anywhere from a tenth of a percentage point to as much as 1%. This is the precursor to the battles that will occur between now and November 2014.
What's the likelihood of a stock market crash next year?
It's impossible to forecast, but I can tell you that the course we're on is non-sustainable. It's very much like blowing up a balloon. You blow it up and — Ahh, hasn't popped. You blow it up some more — Ahh, we're still good. It hasn't popped. And then you finally hit that moment, and — bang! There it goes. That's how financial crises typically happen. When we face the next crisis, liquidity will be very limited, and price reactions will be quite sharper.
What's the biggest threat to the market in 2014?
Governmental surprises. Economic growth will be weaker than expected, and governmental chaos will be a key factor in it.
What are your thoughts about the nomination of the Federal Reserve's vice chairwoman Janet L. Yellen to head the Fed?
An extension of Ben Bernanke — and more rules-based. The Federal Reserve is a temple with divine entities. But how confident are you in this group? Given that we've had the two biggest bubbles in the last 15 years and the Fed didn't appear to be aware of either one, doesn't give me a lot of confidence! In 2005, Chairman Bernanke didn't think there was a housing bubble and that subprime wouldn't be a contagion. [Yellen] will have to bring in a wider array of economic speed limits. But will this improve Fed policy outcome? I doubt it. How do you rate the Obama administration overall?
I give the last two administrations — which covered most of the two greatest bubbles — an "F" – as in failure. I'm a harsh grader.
Do you see more regulation coming now that Mary Jo White is helming the SEC?
Yes. But have any of the regulations that have occurred over the last 42 years that I've been in the business really helped? No. The captain of the ship, whether it was the Federal Reserve chairman or the regulatory heads, were off the bridge when the new S.S. Titanic hit the iceberg in 2007. So we're piling on more regulations but aren't getting any better outcomes.
What's the current state of the stock market?
Since February 2012, the market has been driven primarily by [price/earnings] expansion, not robust earnings growth. Much of the improvement has been a function of reductions in labor costs as well as in interest rates. It's still a function of risk-on, risk-off and the nature of quantitative easing. We're already at eye-popping profit margins that are vastly above historical norms and the peaks of 2007. The odds of earnings disappointments next year have a reasonably high probability.
How do things generally look, then, for the long-term investor?
None of the fiscal issues that are steamrolling toward this country have been addressed with any real substance. In 2009 and again in 2011, I said that if things don't change course, we will likely see an increase in the fiscal crisis within the 2014-to-2018 timeframe. And that's how it's playing out.
Please elaborate on your view about tapering and stimulation.
In 2009 I argued that fiscal policy would effectively be a failure. They were assuming that with fiscal policy stimulation, unemployment would fall to 5%. I think they missed that one!
We saw an extreme reaction last spring when Chairman Bernanke raised the mere possibility of tapering, didn't we?
I think the Fed had to be completely shocked by the magnitude of the interest rate rise. The bond market had an 84% rise in rates in the 10-year bond from May 2 to Sept. 6. That's the sharpest rise in interest rates in the shortest period of time in the last 25 years.
So you believe that the substandard growth we've seen for almost four years will continue next year?
I don't see any reason why we should grow at a more historical 3% or 3-1/2% in 2014. All the Federal Reserve forecasts have been consistently overly optimistic — they've had to reduce their expectations. That will be the case again next year. We are now at approximately 100% debt-to-GDP. Are we going to be able to grow ourselves out of this conundrum? I just don't see how we do. Keeping interest rates down for a progressively longer period over the next two to four years only blows the bubble up larger and larger — and it will pop. Just what is the crux of the problem with the U.S. economy?
In many ways we're going through future shock: events are coming in such a way that you have difficulty evaluating them. The future shocks today are quantitative easing and ad hoc governmental intrusion into the system. We also face a continuing period of higher volatility in terms of economic trends — and then you layer on new regulations that are coming out of Dodd-Frank.
Are there any sectors and/or stocks that you like for next year?
We don't find this an attractively valued environment because valuations are driven by non-sustainable monetary and fiscal policy. Therefore, I would want a higher margin of safety — a lower valuation to risk capital. Throughout the firm, we're carrying elevated levels of liquidity. Defensive positions and liquidity levels are in the top quartile, much more defensive than they would be otherwise. [First Pacific] has been reducing its exposure to energy for the last two years. We've been primarily net sellers of stock. Pretty much the entire firm has more of a cautious attitude, and this has been the case for several years. No sectors pop out. It's very one-off. Two recent additions to Capital Fund were Apollo Group and Centene Corp.
What's the firm's strategy concerning bonds?
We continue to stay short — approximately two years — in our bond portfolio. And that has been successful. We don't like the long-term outlook for bonds. They don't provide a safe haven. With interest rates and long-term yields at these levels, it's a fool's paradise. We just had a quick notification of that. We could go back to lower yield levels if the Fed accelerates quantitative easing, which I think is a reasonable possibility: Rather than taper, they buy for a longer period of time.
What would that do?
It might lead to somewhat of a bond market rally. But with each year that we continue to expand the debt or liabilities and keep interest rates down, the odds of unintended negative consequences rise.
Is it a good strategy for investors to move out of bonds and into equities?
There again, one is going to have to take a considerable amount of volatility. As you saw with the brief attempt in June, just trying to think about marginally retrenching from QE, the markets got hit. Volatility in bonds is very high, and volatility in stocks will be very high over the next couple of years. If you're not prepared for that, you're going to be in for a rude awakening.
A final thought on the debt ceiling impasse?
Children must play.
Check out these related stories on ThinkAdvisor:


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Showing results for 1 to 1 of 1 1740s 1750s 1860s 1840s 1720s 1760s 1890s 1870s Hall, William, b. 1749 Plantation workers -- Jamaica
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- Creation Date: 1709-1892


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Embrun (Ontario)
Embrun is a town in Ontario in Canada. While Embrun is part of the officially designated National Capital Region, it is usually considered to be part of Eastern Ontario.
It is situated in between the towns of Casselman and Russell. It is located about 30 minutes southeast of Ottawa. It has a population of about 8,000 (2006).
Embrun is a growing town and new businesses and homes are being built. Embrun is one of the fastest-growing towns in Eastern Ontario by doubling its population in 25 years (Embrun had just 3,800 people in 1980). This has led to confusion about how big Embrun is since many data sources are out of date.
Embrun is an unincorporated community. This means that although Embrun does exist, it does not have its own municipality. Instead it is part of the Russell Township, sometimes just called Russell. This has led to confusion between Russell Township and the village of Russell, a small village also located in Russell Township.
The important thing to understand here is that Embrun and Russell are separate towns and that both of them together form the municipality of Russell Township (sometimes called Township of Russell).
Embrun follows the small town stereotype of "everyone knows everyone". Many people know or have acquaintances with most other residents of the town. This is especially true among senior citizens.
If you have any questions about how to get somewhere, then many people will be glad to help. Senior citizens are particularly helpful.
There are several social clubs which are very active in activities in the community such as: The "Club Optimiste Club", Knights of Columbus, Octogone club, Carnival committe and Celebrons ensemble committe. These social clubs organize community related activities for children, young adults and seniors during the holiday season, during the "Embrun Carnival"(usually the last week of January each year) and Celebrons ensemble(yearly summer celebration of community).
Activities are all sponsored by local businesses and encourage solid community relations.
Embrun is mainly francophone. 60% of the town's population speaks french at home. Despite this, however, many signs are bilingual (although bilingual signs are not required in Embrun) and in stores cashiers will often understand English.
Even so, knowledge of a few basic words in French is useful. See the French phrasebook on Wikitravel to learn basic words in French.
Get in
There is pretty much only one way to get to Embrun: By car. If you are coming from Ottawa, travel east (in the direction of Montreal) on Highway 417 and get off at Exit 88. The sign for Exit 88 says "Rockdale Road: Vars, Embrun". It takes about 25 minutes to get to Embrun from the Innes-Walkley area, 30 minutes from the St. Laurent area, 35 minutes from Orleans, 35 minutes from Downtown Ottawa, 40 minutes from the West End, and 50 minutes from Kanata.
If you are coming from Montreal, travel west (in the direction of Rigaud and Ottawa-Hull) on Highway 40. Once you hit Ontario, it will become Highway 417. Get off at Exit 79. The sign for Exit 79 says: "Limoges Road: Limoges, Embrun".
It takes about 90 minutes to get to Embrun from the West Island, 100 minutes from the Dorval/Saint-Laurent/Pierrefonds/Cartierville area, 110 minutes from the Mont-Royal/Centre-Ville area of Montreal, 115 minutes from Vieux-Montreal and 120 minutes from the Montreal-Est area.
Get around
By car
Getting around Embrun by car is easy. Most of the town's tourist-related buildings and areas are accessible off the main road, called Notre-Dame Street. In addition, there are several parking lots along the road.
On foot
While harder, one can get around Embrun on foot. The business park area in the western part of the town (near where Exit 88 hooks up with Embrun) has many stores fairly close together. However, walking from the western part of the town to the eastern part of the town can take almost an hour.
Overall, travelling around Embrun on foot is the least desirable means of getting around town.
By bicycle
Traveling around Embrun by bicycle is quite convinent. In the western part of the town, a bike trail links several streets. In the central part of the town, a pedestrian lane on the side of Blais Street hooks up with the bike trail. From there, one can travel on Centenaire Street, a relatively traffic-free road, to get to the eastern part of the town.
Bicycle rentals are available at Vélo Xpress, located at 968 Notre-Dame Street. Vélo Express can be reached at 1-613-443-5500.
The Lucky 7 (contact information above in the eat section) serves as a sports bar.
Get out
Other Destinations
While in Embrun, you can also visit the small town of Russell. Russell is a short drive away from Embrun.Russell is a beautiful town with a more rural feel than Embrun. To get to Russell, drive west on Notre-Dame Street. It becomes Castor Street, which leads into Russell.
Departing the town
Like getting in, the best way to depart the town is by car. Refer to the Get in section above for directions and travel times.


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When you get a massage, there are different types of massage techniques. For instance, the Thai massage is the most popular massage technique, but it is also the most painful type of massage. The Swedish massage, also known as the deep tissue massage, is gentle and can be performed without the use of a lot of oils.
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Hidden away in the Mecklenburg countryside, this palace is full of surprises. Many of the wall and ceiling decorations, for example, are actually papier mâché and became known as 'Ludwigslust board'.
All the buildings are the work of Johann Busch, the Schweriner court architect, primarily a sculptor but also a brilliant architect. The E-shaped palace is a melange of late-baroque and classical styles. Made mainly out of brick, it was made to look more French by the addition of light Pirna sandstone. The palace interior – with its palette of gold and pale grey – oozes elegance and is the epitome of courtly splendour. The Golden Hall is truly stunning: extending over two floors, it combines aristocratic Louis XVI splendour with playful, effusive rococo elements. Golden Corinthian columns, crystal chandeliers and the opulently decorated ceiling are reflected by vast expanses of mirrors, creating a grand backdrop for enthralling festivals. Intriguingly, not everything in this palace is quite as it seems. Many of the wall and ceiling decorations are neither stucco plaster nor wood: they are actually made of papier mâché, also known as 'Ludwigslust board'. There are even vases and busts made in this way, the most amazing being a papier mâché Venus de' Medici – just one example of the many exquisite works of art and original furniture items adorning many rooms at the palace, which are now open to visitors as a museum. One special aspect of Ludwigslust Palace is the way in which it blends in with its surroundings to create a harmonious overall work of art. To stroll around the park, to discover the fountains, two mausoleums and the Swiss House, to pause on the Stone Bridge built in 1780 and to watch the fast-flowing water in the long canal is a sheer delight. Nearby attractions: neo-baroque Hasenwinkel House is set in idyllic countryside to the east of Lake Schwerin. The town of Grabow on the banks of the Elbe enchants visitors with its old quarter – a listed site of historical interest, its medieval town hall, Rathausmarkt square and horse market. Johann Busch was the architect behind the monumental town church in Ludwigslust. Its gable is decorated with a large monogram of Christ.
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A magnitude 9.2 earthquake in Alaska triggered a massive tsunami with waves that grew to more than six metres in Port Alberni. No one died, but an estimated 250 buildings were damaged.
The first wave, according to a B.C. government report, struck at about 12: 10 a.m., rising eight feet above normal high tide. The second rose to 10 feet at 1: 15 a.m., followed by a third, which dropped to six feet by 3 a.m.
Three more five-foot waves arrived between 4: 30 a.m. and 6: 45 a.m., while a wave surge continued in Alberni Inlet for 18 hours.
The tsunami caused $5 million in damage, no small figure in those days. Fifty-eight residential and business properties were written off.
The waves also destroyed homes elsewhere on Vancouver Island's west coast.


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