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Personal finance website NerdWallet released its list of the best cities for job seekers on Saturday. Using U.S. Census data, the website found the 10 best cities to look for a job based on population growth, income, unemployment rate, and the cost of living (check out their handy Cost of Living Calculator here). Cost of living data is from The Council for Community and Economic Research.
In compiling the list, NerdWallet used 2011 unemployment data from the Bureau of Labor Statistics, but the website had a good reason for looking back that far. "We wanted to discount seasonal noise," Stephanie Wei (below right), vice president of financial literacy for NerdWallet, told AdvisorOne on Monday. Furthermore, "a lot of information is only available at the metropolitan or state level. We wanted to get as granular as possible," so they used BLS' local area unemployment statistics for the 50 largest cities. Using data for an entire year, rather than on a single quarter, also helped filter out cyclical changes in unemployment rates, such as holiday or summer hiring, Wei said.
Texas is the state with the most cities in the Top 10. The parameters were weighted equally, Wei (right) said, so Texas' overwhelming presence isn't a statistical fluke. "These are cities that have built their own industries," she added, citing Austin's "up-and-coming tech hub" and Dallas' "Silicon Prairie" as examples. "They've done a good job of branding their cities and attracting talent."
Wei acknowledged that these cities are "not the end-all, be-all" for job seekers, adding that the list only provides a broad look at cities for job seekers to begin their search.
10. Charlotte, N.C.
Change in Population (%): 2.7%
Median Income: $31,667
2011 Unemployment Rate: 9.2%
Cost of Living Index: 93.7
Overall Score: 64.8
No. 10 on the list is Charlotte, N.C., a city that has seen nearly 3% growth in population between April 2010 and July 2011, one of the highest on the list. With a median income per person of $31,667, Charlotte is right in the middle of the income distribution for the 10 cities, and the city has a lower than average cost of living. A cost of living score of 100 indicates the national average.
NerdWallet notes that banking, motorsports and defense are thriving industries in Charlotte.
Photo: AP
9. San Antonio
Change in Population (%): 2.4%
Median Income: $22,333
2011 Unemployment Rate: 7.4%
Cost of Living Index: 87.7
Overall Score: 68.5
Texas always has a good showing in Best Of lists. San Antonio is the fifth best city for job seekers in the state, according to NerdWallet, with one of the lowest unemployment rates and a low cost of living. Cybersecurity and information technology are "rapidly growing" sectors there, and the city's economy has a strong focus on financial services, health care and defense. NerdWallet notes that the defense industry employs over 89,000 San Antonio residents.
Photo: AP
8. Seattle
Change in Population (%): 2%
Median Income: $41,695
2011 Unemployment Rate: 7.5%
Cost of Living Index: 116.2
Overall Score: 69.1
Seattle boasted one of the highest median incomes on NerdWallet's list, but it also has one of the highest cost of living scores. As the home of Microsoft, technology is a big industry. NerdWallet notes the biotechnology and health care sectors are key to this city's growth, while green building and clean technology startups also have a foothold.
Another benefit for Seattle, for advisors anyway, is that it has relatively few advisors serving wealthy clients there. AdvisorOne undertook a research project in April 2012 to determine the concentration of advisors in several "wealth zones" around the country. With one advisor for every 291 households, Seattle was the third least concentrated region on the list.
Photo: AP
7. Dallas
Change in Population (%): 2.1%
Median Income: $27,251
2011 Unemployment Rate: 8.5%
Cost of Living Index: 96.4
Overall Score: 69.2
Tech and telecommunications are the big industries in Dallas, according to NerdWallet. The city has a higher median income than San Antonio, but it also has a higher cost of living and unemployment rate.
What it doesn't have though, is a lot of advisors. AdvisorOne found the city has one advisor for every 157 households. A report in March 2012 by Accounting Principles also named it one of the best cities in the country for financial services jobs in particular.
Photo: AP
6. Fort Worth, Texas
Change in Population (%): 2.3%
Median Income: $24,270
2011 Unemployment Rate: 8%
Cost of Living Index: 89.3
Overall Score: 69.9
Fort Worth had the lowest median income of the cities on NerdWallet's list, but it also had one of the lowest scores on the cost of living index, following San Antonio. It's home to American Airlines, and has many opportunities in the airline and manufacturing industries.
Photo: AP
5. Houston
Change in Population (%): 2.2%
Median Income: $26,849
2011 Unemployment Rate: 8.2%
Cost of Living Index: 94.2
Overall Score: 70.8
Health care research, manufacturing, aerospace and alternative energy are thriving industries in Houston. AdvisorOne found one advisor for every 308 households in the city, and Accounting Principles named it the No. 1 city for financial services jobs based on its large demand for accounting and finance professionals.
Photo: AP
4. Denver
Change in Population (%): 3.3%
Median Income: $32,051
Unemployment Rate: 9.1%
Cost of Living Index: 105.1
Overall Score: 74.4
NerdWallet noted the top industries in the city include aerospace, broadcasting and telecommunications, energy and health care, citing a 23% increase in health care employment over the past five years.
While the cost of living score is high, Wei noted that a score near 100 isn't unmanageable. By comparison, the cost of living score for Manhattan, the most expensive city according to The Council for Community and Economic Research, is 229.6.
3. San Francisco
Change in Population (%): 0.9%
Median Income: $46,777
2011 Unemployment Rate: 8.6%
Cost of Living Index: 168.3
Overall Score: 78.3
That San Francisco has the highest cost of living score's on the list is no surprise, but it also has the highest median income. Located near Silicon Valley, the tech industry is booming in San Francisco, and tourism is a thriving industry.
And, with one advisor for every 363 households, AdvisorOne found that the Bay Area, including Mill Valley, San Jose and San Francisco, had the lowest concentration of advisors for wealthy neighborhoods.
Photo: AP
2. Washington
Change in Population (%): 2.7%
Median Income: $43,993
2011 Unemployment Rate: 10.2%
Cost of Living Index: 150.9
Overall Score: 80.8
Obviously, jobs in the public sector, such as working with politicians or think tanks, are the biggest industry here. NerdWallet notes, though, that with a median income that is significantly higher than most other cities on the list, the high cost of living is less of a burden than it would be in a city with a lower incomes.
Photo: AP
1. Austin, Texas
Change in Population (%): 3.8%
Median Income: $31,170
2011 Unemployment Rate: 6.2%
Cost of Living Index: 94.4
Overall Score: 85.2
Austin boasts the highest population growth with the lowest unemployment rate. That, combined with its moderately high median income and low cost of living, put it in the top spot on NerdWallet's list.
Tech is a thriving industry in Austin, with major companies like Dell and IBM setting up headquarters there. NerdWallet notes that biotechnology is another growing industry in Austin.
Photo: AP


text:
Listings in Instrumentation / Equipment, Deposition Systems, Etching, Coating Systems, Chambers, Foil / Plates & Roads / Wire, Microscopes - General, Magnetometers and Resistors in Kitchener
Angstrom Engineering Inc.
in Plasma, Semiconductor Equipment, Chemical Vapor Deposition Systems, Ion Guns, Thin-Film, General, Electron Beam Sources / Systems, Alloys - High-Temperature, Chambers, Electron-Beam
We create thin film deposition systems for research and production. Our evaporators & sputtering systems are used worldwide by partners who trust us.
91 Trillium Dr.
Kitchener, Ontario N2E 1W8

subset: commoncrawl


text:
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What's cooking in your kitchen? I am looking for recipes to feature in the weekly cooking column so send your favorite recipes as well as helpful household hints to
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This is a postcard of Edisford Bridge, near Clitheroe in Lancashire.
The card is from the Valentine's Series and was printed in Great Britain. It is postally unused and in good condition. There is no date but there is a serial number – 62116.
Research on the Internet suggests that the photograph was registered in 1909 but that doesn't necessarily mean that the postcard dates from the same period. My feeling is that it might be a more modern reproduction.
In any event I purchased the postcard because of the location. I know that when my parents were 'courting' they used to go to Edisford Bridge.
Edisford Bridge incorporates the structure of a five arched bridge possibly dating from 1339. Today the bridge has nine spans and is considerably wider than the original. It is thought that a timber bridge had been constructed on the same spot even earlier.
Edisford – "the nobleman's ford" or Anglo-Saxon nobleman – was the scene of an 1139 battle, where King David of Scotland's army fought and defeated the less numerous Lancastrians.
The bridge is located about a mile west of Clitheroe Castle and is the subject of a noted painting by Turner.
For bridge enthusiasts here's a link to more information – Transport Heritage.
Here's the painting by Turner c.1799
I've never been to Edisford Bridge – I will have to put it on my 'to do list' – maybe this summer.


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When the Oschersleben Motorsport Arena opened in 1997, it was Germany's third permanent racetrack. It has since made a name for itself on the international stage, hosting many world and European championship races on both the 3.696km-long track and its go-kart course. It is also a venue for concerts and other major events, making the arena in the Magdeburg Börde area a great advert for the town of Oschersleben and the surrounding region. Even when no racing is taking place, the arena offers a wide range of activities. Saxony-Anhalt's first driving safety centre is located here, and there is also a four-star hotel with an excellent restaurant, so you can indulge yourself off the track as well as on. The events department regularly organises driver safety courses, passenger rides with professional drivers, formula and touring car courses as well as off-road training on the nearby off-road track, where you can put your off-road vehicle or SUV to the test on steep slopes, steps and streams in an area of around ten hectares.
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text:
Textured Multi Colors Butterfly wildlife metal wall art will provide a touch of color to any transitional or nature room decor theme. This subtle, yet stunningly beautiful metal wall sculpture combines layers of hand brushed and colorfully painted relief panels that creates a vivid 3D effect. Each metal accent wall hanging has an individually unique design from the hand sanding and painting process, making each a one-of-a-kind decorative metal art piece. Bring this beautiful wildlife nature plaque into your home and enjoy a three dimensional piece of modern metal art that will enhance and compliment any home interior.
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Entropy Package Management in Gentoo
Entropy Package Manager is written by Fabio Erculliani from Sabayon GNU/Linux as an extension to Portage in order to install binary package same as in other binary-based distros. The package manager syncronises itself automatically with Portage once you installed entropy binary packages, but instead Portage must be syncronised with Entropy in order for Entropy to know what packages you have emerged. Fully written in python, it is a stable application with many binary-oriented features and options, including a complete set of repository creation and entropy server features fully based on Portage ebuild packaging. Henceforth, developers must ( there is no other way ) emerge packages in order to create entropy packages, the procedure will be detailed in this tutorial.
See https://wiki.sabayon.org/index.php?title=En:HOWTO:_Set_Up_A_Community_Repository
Instructions of creating your own Entropy Repository
First of all, you must have package named entropy-server instaled. It contains a /etc/entropy/server.conf that itself contains the next, most important lines of the configuration:
community-mode = enable < if you wish to cope with more than 1 repository in one system community-mode = disable <if you want to have a self-sustainable dependency repository ...(descriptions) default-repository = yourreponame ...(descriptions)
#example: #=> repository = myserverrepo|My Server Repository|ftp://user:firstname.lastname@example.com/ ssh://username@host:~user/path:port just an example of repo mode
repository = yourreponame|My Server Repository|ftp://user:email@example.com/ ssh://username@host:~user/path:port
The rest of them you don't need necessarily to bother. Of course, as in the example, you need either a SSH server or FTP server with upload permissions obviously. The structure of the repository should look like this:
P.S.: I considered this step as being the most important one, since everybody firstly installs the package before reading the article/tutorial on how to use :)
Installation and package management instructions
Start emerging the following packages:
emerge sys-apps/entropy equo entropy-server -vp
It should produce something like this: http://pastebin.com/cy7X38ia ( public and permanent pastebin ). Notes: these packages have been built on 5 minutes funtoo tar.gz unpacking and chrooting and after, a emerge --sync and a eselect profile set. You should have now a working equo, so run the command: equo --help. Should show up all the help commands:
blacknoxis / # equo --help usage: equo [-h] [--color] (...)
In this moment you should have a working repository and SSH/FTP server with /etc/entropy/server.conf pointed to it. Start learning the commands also.
If you look into /etc/entropy/repositories.conf.d/ there's the repositories location with all the entropy_* files. You can take that example in order to put your own repository for client use.
Working with EIT
First things first, you must 'regenerate' the Entropy database system by running the command:
equo rescue generate
EIT is the tool that actually packages already emerged packages and introduces them into your remote repository. First initialize repo ( after configurind your /etc/entropy/server.conf ) with the command:
eit init reponame
And a demonstration of adding a package to a repo by using these three commands:
emerge packagename
eit add packagename
eit push
All demo in: http://pastebin.com/k3PNpPdD ( public permanent pastebin )
Useful and important Tips and Tricks
As foretold, Entropy does not recognize Portage installs unless you do a little step. There's a slight trick here on how to make Entropy keep your emerged package with your options. First, emerge a package, any package, then run the command:
equo rescue spmsync --ask
( Accept but be careful, it sometimes takes something that you do not want ) This command will make Entropy aware that you installed/compiled something with Portage, but Entropy will still try to upgrade it and return it to the generic entropy repository one. Therefor, you must change the entropy client.conf from file /etc/entropy/client.conf:
ignore-spm-downgrades = enable < keep this enabled
After this, equo update should do the trick and equo ugprade will not try to overwrite your portage emerged packages. Referential documentation in: http://wiki.sabayon.org/ on Equo / Entropy and short and old doc on EIT http://lxnay.wordpress.com/2011/10/18/eit-the-stupid-package-tracker-reinvented/
If you want to have a nice, eye catchy GUI installer for your entropy repository, just install Rigo with either equo or portage. If you want to test the concept further, use emerge to install app-admin/rigo and then, equo rescue spmsync --ask. Actually, it is mandatory after each emerge package, you should run equo rescue spmsync --ask in order to at least make Entropy aware of your Portage changes.


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Cubic Zirconia Rings | Kohl's
Find great deals on Cubic Zirconia Rings at Kohl's today! Sponsored Links Outside companies pay to advertise via these links when specific phrases and words are searched. Clicking on these links will open a new tab displaying that respective companys own website. The website you link to is not affiliated with or sponsored by Kohls.com


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Living and Working in Oregon
If it's quality of life you seek, opportunities are endless in Oregon. Wander the rugged coastline beaches or adventure inland where vineyards stretch across the countryside flanked by unique cities resting in the shadow of majestic Mt. Hood; life in this geographically diverse state offers something for everyone.
Proud to be one of the largest private employers in Oregon, Providence is well known for the excellence of care provided to our communities. Anchored by our Magnet medical centers, Providence makes up a network of nearly 150 hospitals, clinics and extended care facilities spanning the state. Providence facilities are located within our communities that have been ranked as some of the best places to live in the US, providing the potential to balance the best parts of work and play.
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text:
CONCORD (AP) — A powerful winter storm brought snow to inland parts of the Northeast and driving rain and wind to areas along the coast Thursday, a day after it swept through the nation's middle, dumping a record snowfall in Arkansas and wrecking post-holiday plans for thousands of travelers.
CONCORD, N.H. (AP) — A powerful winter storm brought snow to inland parts of the Northeast and driving rain and wind to areas along the coast Thursday, a day after it swept through the nation's middle, dumping a record snowfall in Arkansas and wrecking post-holiday plans for thousands of travelers.
The storm, which was blamed for 15 deaths, pushed through the Upper Ohio Valley and made its way into the Northeast Wednesday night. By Thursday morning, there was anywhere from a few inches of snow to a foot in some locations.
National Weather Service spokesman David Roth said the Northeast's heaviest snowfall would be in northern Pennsylvania, upstate New York and inland sections of several New England states before the storm ended Friday morning and headed to Canada.
Dale Lamprey, who was clearing off the sidewalk outside the legislative office building in Concord, N.H., already had several hours of shoveling under his belt by 8:30 a.m. Thursday.
"I got here at quarter of five and it's been windy, it's been snowing and I think it changed over to sleet and freezing rain at one point," he said. "It's pretty bad."
He didn't expect it to get much better.
"I'm going to be shoveling all day, just trying to keep up with the snow," he said. "Which is impossible."
The East Coast's largest cities — New York, Philadelphia and Boston — were seeing mostly high winds and rain Thursday morning. Other areas were getting a messy mix of rain and snow or just rain — enough to slow down commuters and those still heading home from visits with family.
Thousands of travelers were trying to make it home Thursday after the fierce storm stranded them at airports or relatives' homes around the region. Some inbound flights were delayed in Philadelphia and New York's LaGuardia, but the wet and windy weather wasn't leading to delays at other major East Coast airports.
On New York's Long Island, a Southwest Airlines jet bound for Tampa, Fla., veered off a taxiway and got stuck in mud Thursday morning. Officials said there were no injuries to the 129 passengers and five crew members, who were expected to take a later flight. Though the area received heavy rain overnight, Southwest spokesman Paul Flanigan said it wasn't clear whether that played a role in the incident.
In Pittsburgh, a flight that landed safely during the storm Wednesday night got stuck in snow for about two hours on the tarmac. The American Airlines flight arrived between 8 and 9 p.m., but then ran over a snow patch and got stuck.
Airport spokeswoman JoAnn Jenny told the Pittsburgh Post-Gazette workers tried for nearly two hours to tow the plane to the gate before deciding to bus passengers to the terminal.
Hundreds of flights were canceled or delayed on Wednesday and scores of motorists got stuck on icy roads or slid into drifts. Said John Kwiatkowski, an Indianapolis-based meteorologist with the weather service: "The way I've been describing it is as a low-end blizzard, but that's sort of like saying a small Tyrannosaurus rex."
Kentucky State Police said the storm contributed to two fatal crashes Wednesday. And a New York man was killed after his pickup truck skidded on an icy road in northwest Pennsylvania, also on Wednesday.
The storm system spawned Gulf Coast region tornadoes on Christmas Day, startling people like Bob and Sherry Sims of Mobile, Alabama, who'd just finished dinner.
"We heard that very distinct sound, like a freight train," said Bob Sims. They headed for a center bathroom.
Power was still out at the Sims' home on Wednesday, but the house wasn't damaged and they used a generator to run heaters to stay warm. Some neighbors were less fortunate, their roofs peeled away and porches smashed by falling trees.
In Arkansas, some of the nearly 200,000 people who lost power could be without it for as long as a week because of snapped poles and wires after ice and 10 inches of snow coated power lines, said the state's largest utility, Entergy Arkansas.
Further north, the storm knocked out power to more than 6,000 homes and businesses in central and western Maryland, and utilities were preparing for more outages as the wind picked up. In New Jersey, gusts of more than 70 mph were recorded along the coast, and the weather service issued a flood warning for some coastal areas.
The storm also left freezing temperatures in its aftermath, and forecasters said parts of the Southeast from Virginia to Florida saw severe thunderstorms.
Schools on break and workers taking holiday vacations meant that many people could avoid messy commutes, but those who had to travel were urged to avoid it. Snow was blamed for scores of vehicle accidents in multiple states, including Indiana, where about 40 vehicles got bogged down trying to make it up a slick hill in central Indiana, and four state snowplows slid off roads.
Officials in Ohio blamed the bad weather for a crash that killed an 18-year-old girl, who lost control of her car Wednesday afternoon and smashed into an oncoming snow plow on a highway northeast of Cincinnati.
A man and a woman in Evansville, Ind., were killed when the scooter they were riding went out of control on a snowy street Wednesday and they were hit by a pickup truck.
Two passengers in a car on a sleet-slickened Arkansas highway were killed Wednesday in a head-on collision, and two people, including a 76-year-old Milwaukee woman, were killed Tuesday on Oklahoma highways. Deaths from wind-toppled trees were reported in Texas and Louisiana. Other storm-related deaths include a man checking on a disabled vehicle near Allentown, Pa., who was struck and killed Wednesday night, and two people killed in separate crashes in Virginia.
The day after Christmas wasn't expected to be particularly busy for AAA, but its Cincinnati-area branch had its busiest Wednesday of the year. By mid-afternoon, nearly 400 members had been helped with tows, jump starts and other aid, with calls still coming in, spokesman Mike Mills said.
Few truckers were stopping into a TravelCenters of America truck stop in Willington, Conn., near the Massachusetts border early Thursday. Usually 20 to 30 an hour stop in overnight, but high winds and slushy roads had cut that to two to three people an hour.
"A lot of people are staying off the road," said Louis Zalewa, 31, who works there selling gasoline and staffing the store. "I think people are being smart."
Behind the storm, Mississippi's governor declared states of emergency in eight counties with more than 25 people reported injured and 70 homes left damaged.
Cindy Williams stood near a home in McNeill, Miss., where its front had collapsed into a pile of wood and brick, a balcony and the porch ripped apart. Large oak trees were uprooted and winds sheared off treetops in a nearby grove. But she focused instead on the fact that all her family members had escaped harm.
"We are so thankful," she said. "God took care of us."
Associated Press writers Rick Callahan and Charles Wilson in Indianapolis, Kelly P. Kissel in Little Rock, Ark.; Jim Van Anglen in Mobile, Ala.; Holbrook Mohr in Jackson, Miss.; Julie Carr Smyth and Mitch Stacy in Columbus, Ohio; Amanda Lee Myers in Cincinnati; David Dishneau in Hagerstown, Md.; and David Sharp in Portland, Maine, contributed to this report.
Copyright 2012 The Associated Press.


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Microsoft is working hard to make things better for the launch of Windows 7 following the lukewarm reception to Windows Vista. Vista was plagued with early hardware and software incompatibility issues that were one of the main reasons enterprise customers refused to migrate from XP.
Microsoft says that among the improvements in Windows 7 is better support for Hyper-Threading according to Microsoft's Bill Veghte. Veghte says that Microsoft has been working closely with Intel to beef up Windows 7s support for Hyper-Threading. Hyper-Threading it a technique used by Intel to allow processing tasks to be divided among multiple cores on a processor.
Veghte said at the Microsoft TechEd conference, "The work that we've done in Windows 7 in the scheduler and the core of the system to take full advantage of those capabilities, ultimately we think we can deliver a great and better experience for you. We need to make sure the ecosystem is really, really ready."
Veghte is keen to get people to understand that Windows 7 wont suffer from the same early problems Vista had that prevented the operating system from making headway in enterprise environments. He says that Windows 7 is "very, very close" to achieving full compatibility with virtually all hardware and software makers.
Microsoft currently expects to finish Windows 7 by mid-August and offer a final version to consumers and businesses by the holiday shopping season. That is a key target for Microsoft as a better operating system could woo consumers to buy new computers for the holidays. Better computer sales is certainly something that both Microsoft and computer makers need. Microsoft has admitted that Windows sales are down 16% in the most recent fiscal quarter.
Source | Daily Tech


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ETERNALnoc951 wrote:This is Freds friend. I wasnt there over the weekend. Trust me if i was there ronin would have been dropped. Wait until the next show i swear too everyone that im going to get fred's revenge. I SWEAR. So if anyone sees him or if u he is reading this i got three words for him. I AM COMING.
Im sure after reading this that Ronin is now shaking in his snazzy new gear.


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TELLURIDE Telluride town officials are looking into whether they can tighten gun-control ordinances without running afoul of state and federal laws.
The Telluride Daily Planet reported Saturday that the review began at the request of Town Council member Thom Carnevale.
The council had passed a resolution endorsing tougher federal regulations, and Mayor Stu Fraser was among mayors nationwide who signed a letter urging President Barack Obama to pass stricter regulations.
Carnevale says he wants the town to go further.
Town Attorney Kevin Geiger will research the issue and report back to the council.


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Join free now!
It is free to search locals
Hookers is the word that the more mainstream media give to those who sell sex to men and women. Most people will assume that the prostitution ring of the city, or small town is mostly called the sluts. People talk about the wall street hookers, or the whore house on the north side of town. A prostitute is most often a woman who sells sex for money.
Men and women are often drawn to hookers because she or he can be seen as an easy target. They can be easily found in places like a mall or a club. However, prostitution is not usually viewed as being the ideal way to get rich fast. Instead, it is viewed as being a selfish way to make a living.
Women and men do not always like what they see. They can be caged up inside a building at night by the cops while their pimp keeps them from leaving. They can also be forced to do illegal things in exchange for their bodies.
Women and men can have some amount of respect for prostitutes if they do not hurt their feelings and try to get in touch with them and tell them that they respect them. However, there are those who work only for the money and never think of anything but the money.
Many people actually do not realize that some of the so-called hookers actually get married. There are also those who go into the business because they want to meet another person to start a family with. Many times, these women want to be with someone with whom they can raise a family and raise the child.
Many times, a John is going to pay a hooker based on the amount of time that she spends with him, as well as the money that they can make. This is actually a misconception. She will not have sex with him for the money, but for the emotional bond.
It is important for the John to make sure that the prostitute will be happy and that she will be able to live with her family as well. He has to make sure that she does not find out that he is seeing other women.
The women that hookers are selling their bodies to are the ones that you would not think that a John would ever want to know about. They are the girls that are not in the city who want to have fun in the suburbs and to meet someone who will love them as much as they love them back.
The John has to choose whether or not he is going to give his Johns all the emotional support that he deserves. He also has to make sure that the prostitute does not find out. He may even be in a position where he is looking for a female companion to share his life with and then finds out that she is a hooker.
The John has to make sure that he is not going to become involved with a woman who is a prostitute. He should also make sure that he finds out everything that a John can and will do for his prostitute.
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For the John, the last thing that he should do is ask his prostitute to give him the first blow job. He should get his hands dirty instead.


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The Securities and Exchange Commission voted unanimously Wednesday to publish for public comment its congressionally mandated rules under Title III of the JOBS Act that would permit startups and small businesses to raise capital by offering and selling securities through crowdfunding.
The rules would "permit crowdfunding to begin," said SEC Chairwoman Mary Jo White. "We want this market to thrive, in a safe manner for investors."
The rules would limit the amount of money a company can raise and the amount an individual can invest, require companies to disclose certain information about their offers, and create a regulatory framework for the intermediaries that would facilitate the crowdfunding transactions.
The Financial Industry Regulatory Authority released a regulatory notice the same day seeking comments on its rules specific to crowdfunding portals.
As the SEC explains, one of the key investor protections Title III provides for crowdfunding is the requirement that crowdfunding transactions take place through an SEC-registered intermediary, either a broker-dealer or a funding portal. Under the proposed rules, the offerings would be conducted exclusively online through a platform operated by a registered broker or a funding portal, which is a new type of SEC registrant.
When Congress passed the JOBS Act, it directed the SEC to adopt rules to implement the new regulatory structure for crowdfunding, which as White noted, is a term that has come to describe an evolving method of raising money using the Internet.
The proposed parameters for companies and investors are as follows:
- A company would be able to raise a maximum aggregate amount of $1 million through crowdfunding offerings in a 12-month period.
- Investors, over the course of a 12-month period, would be permitted to invest up to:
- $2,000 or 5% of their annual income or net worth, whichever is greater, if both their annual income and net worth are less than $100,000.
- 10% of their annual income or net worth, whichever is greater, if either their annual income or net worth is equal to or more than $100,000. During the 12-month period, these investors would not be able to purchase more than $100,000 of securities through crowdfunding.
White said at the open meeting to announce the proposed rules that "the provisions among others are intended to help protect those looking to invest." The JOBS Act also required the agency to propose a "bad actor" provision to bar certain issuers from taking advantage of the crowdfunding exemption. "This provision, which is designed to protect investors, is substantially similar to the bad actor rule for Regulation D offerings we adopted in July," she said.
Because of the impact that this rule could have on the market, White also said that SEC staff has been directed to develop a "comprehensive work plan to review and monitor the use of the crowdfunding exemption" under the JOBS Act. "If the proposal is adopted, the staff will proceed under the work plan to evaluate the types of issuers using the new crowdfunding exemption, how issuers and intermediaries are complying with the rule, and whether the exemption is promoting capital formation and effectively protecting investors."
The proposal is out for a 90-day comment period.
Check out Top 10 Threats Facing Investors, Small Businesses on ThinkAdvisor.


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New Season - Thrasher
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NYC veteran Agustin "Augie" Galan has made his clothing brand, Acapulco Gold, synonymous with a state of mind. Described as "a sunny place for shady people," AG deconstructs popular iconography, referencing New York City, skate culture and hip-hop.View All Acapulco Gold


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Bob is 51, and living with cirrhosis, a souvenir of his heavy drinking during an earlier period in his life. Although disabled by his illness, he works part time with a cirrhosis support group. Here, he tells his story.
What was your first sign that something was wrong? What symptoms did you experience?
In 1991, after gallbladder surgery, I was diagnosed with what was then called hepatitis non-A/non-B, and was told that, since I'd quit drinking years ago, I had nothing to worry about. Four years later, during surgery for a vernal hernia, the surgeon discovered the cirrhosis, and also recommended a liver biopsy that turned up hepatitis-C. I had been having some stomach pain, discomfort in my right side, and fatigue. I also noticed that when a bug went around the office, I would get sicker with it than anyone else—if my colleagues got a cold, I got the flu, if they got the flu, I'd get a more severe case.
What was the diagnosis experience like?
I was thrust into a world of unfamiliar procedures and language. I found out that the Interferon I'd been on for my hep-C had actually advanced my cirrhosis. I underwent many different tests and procedures. At this point I found another doctor who specialized in hep-C and related problems, and I began to educate myself about my illness and the drugs I was taking.
I expended a lot of energy during this period fighting the health care system. The specialist I wanted to see was not a member of my health plan, but I finally was able to see another doctor.
What was your initial and then longer-term reaction to cirrhosis?
At first I panicked. I'd just been informed that I had an incurable, progressive, and potentially fatal disease. I started making out a will and looking into funeral arrangements, convinced that I'd be dead within the year. I also entered therapy and underwent grief counseling, and finally reached the stage of acceptance of my illness and my prognosis.
How do you manage cirrhosis?
Right now I am simply under observation.
Did you have to make any lifestyle or dietary changes in response to cirrhosis?
I have tried to make changes in my life so that I'm doing things that are healthy for my liver. I had already quit drinking years before. I watch my diet, get exercise, and take care of my stress. I avoid things that could damage my liver, like smoking, exposure to gasoline, diesel, or paint fumes...even hair spray. Remember that your liver processes anything you breathe, eat, or drink. As a result of the changes I've made, my physical condition has improved to the point that a liver transplant could be an option for me.
Did you seek any type of emotional support?
Most of my family and friends found other things to do. Some of this was owing to a lack of information about hep-C and cirrhosis, and some of it was caused by my assumption that I was dying—they didn't want to watch that. But I joined a support group for people with hep-C, and they helped a lot.
Does cirrhosis have an impact on your family?
It has a huge impact—I am unable to participate in family activities these days.
What advice would you give to anyone living with cirrhosis?
Take care of your liver. The transplant list is long, but a lot of research is being done on this subject. Remember that the liver can rejuvenate itself, given an opportunity to heal—a diagnosis of cirrhosis is not a death sentence, it just means a change.
Remember that you are the most important person on your health care team. You make the final choices in all tests, treatments, and medical decisions. Get second opinions, mental counseling, and look into all aspects of whole person wellness. The life you save may be your own.
Interviews were conducted in the past and may not reflect current standards and practices in medicine. Talk to your doctor to learn more about how this condition is diagnosed and managed today and what treatment approaches are right for you.


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The Lowbrow Palace Information and Schedule
The Lowbrow Palace tickets available for all events.
If You Need 2019 The Lowbrow Palace Tickets Please See The Listings Above. Each Line Represents A Different Date Which All Together Make Up All The The Lowbrow Palace 2019 Dates. To Start Searching For The Lowbrow Palace 2019 Tickets Please Click The View Tickets Button On The Specific Date That You Wish To See The Event. It Will Then Take You To The Inventory List Of Tickets Instead Of TheThe Lowbrow Palace Schedule 2019 Dates That You Were Seeing Before You Clicked The Button. You Can Then Use The Venue Map Along With The Ability To Sort By Price, Section, Row, And Quantity To Help You Determine What 2019 The Lowbrow Palace Tickets You Want To Buy Since You Have Already Seen The 2019 The Lowbrow Palace Schedule And Used That To Select The 2019 The Lowbrow Palace Dates You Are Interested In. Then All You Have To Do Is Follow The Easy Steps By Filling Out Our Order Form And The Hit Submit And Your Order Will Be Securely And Quickly Processed Using Our Secure Online Ordering Process.
Thank you for the great experience. We truly enjoyed the show. Thank you for making it all happen.
Great customer service + excellant prcing = very happy customer!


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An all-time record $77.4 billion flowed into U.S.-listed equity mutual funds and exchange-traded funds in January, according to TrimTabs Investment Research.
Also in January, net inflows to bond funds were estimated to exceed $40 billion, significantly above 2012's average monthly flows to bond funds of $27 billion, according to Strategic Insight, based on data provided by the Investment Company Institute and proprietary surveys of leading distributors and fund managers.
Strategic Insight said that it projects bond fund inflows to persist in the coming months, as investors holding $10 trillion of cash slowly search for income opportunities elsewhere.
Strategic Insight, a business intelligence provider the fund industry, reports that approximately $51 billion, or more than half, of the January net flows went into stock and balanced mutual funds, marking the largest monthly amount in more than a decade. Additional net inflows went to stock ETFs, the company said. These figures, the company said, suggest that U.S. investors are finally re-entering the stock market through mutual funds.
"In recent years, stock investors watched the rising stock market with either disbelief or regret. January flows data suggests that postelection assurance of political stability and tax rates combined with rising home prices, falling unemployment and fading memories of 2008 have helped investors overcome, at least for now, a state of investment anxiety," said Avi Nachmany, SI's director of research, in a statement.
Nachmany added that "as economic life across America slowly improves, investment in stock funds will increase too." More than "80% of all stock fund balances are dedicated to retirement savings, thus having accumulation and withdrawal time-horizons of 20, 30, or 40 years for many investors. As Americans become more confident about the future, investing for retirement through stock mutual funds will expand," he said.
David Santschi, CEO of TrimTabs, noted in a statement that "Investors kicked off the New Year in a highly exuberant mood. The inflow in January smashed the previous record of $53.7 billion in February 2000, which was just before the technology stock bubble burst."
In a research note to clients, TrimTabs explained that $39.3 billion flowed into U.S. equity mutual funds and ETFs, while $38.1 billion flowed into global equity mutual funds and ETFs. "Both of these inflows were the highest on record," TrimTabs said. "The previous record for U.S. equity funds was $34.6 billion in February 2000, while the previous record for global equity funds was $27.1 billion in January 2006."
These record inflows "should make contrarians very nervous," said Santschi. "Big inflows from fund investors have historically coincided with market tops. Note that four of the top ten biggest inflows were in early 2000."


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Nymphenburg is a European masterpiece, a story book of Bavarian history and an example of architecture and landscape design in seldom-seen harmony.
Has there ever been a more beautiful new baby gift? The Bavarian Elector Ferdinand Maria was so delighted at the birth of a much longed-for heir to his throne that he gave his wife Adelaide von Savoyen a piece of land. That was in 1663, and the Wittelsbach Electress Henriette Adelaide von Savoyen built herself a "borgo de la ninfe", a small summer villa with a garden. This was the predecessor of Nymphenburg Palace. At the start of the 18th century the building was extended on both sides, with residential pavilions connected by galleries being added. The exterior was remodelled in the French style and the modest palace transformed into a large, elegant summer residence. Visiting Nymphenburg Palace today is like taking a walk through a book of Bavarian history. The Kings and Electors of Bavaria left their traces here over a period of almost two hundred years. The first heated indoor pool of the modern age and the silver-blue Amalienburg hunting lodge from the rococo period are elements of a perfect baroque palace and offer an extravagant yet delicate richness of detail in a rare splendour. In the north wing of Nymphenburg Palace is the Museum of Man and Nature, which takes you on a journey back in time through the history of the Earth and mankind. Nearby attractions: Hofgarten Park Munich is one of the largest Renaissance gardens north of the Alps. In the north-east of the garden, there is a path that takes visitors straight to the English Garden. To the north of Munich, Lustheim House in the grounds of Schleissheim Palace contains a famous collection of historical Meissen porcelain. South of Munich is Am Schachen House, which was used by King Ludwig II as a private retreat during his stays in the mountains. A botanical Alpine garden was laid out in front of the house in 1900.
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Aachen University Hospital
Specific field: Orthopaedics/trauma surgery
Univ.-Prof. Dr. med. Hans-Christoph Pape FACS
International Office:
Pauwelsstraße 30
52074 Aachen
Tel. +49 (0)241 8089658
Professor Hans-Christoph Pape FACS
Medical Director of the Department of Orthopaedic Trauma and Reconstructive Surgery at Aachen University Hospital
Professor Hans-Christoph Pape is head of the Department of Orthopaedic Trauma and Reconstructive Surgery at Aachen University Hospital. He and his team of highly skilled, widely acclaimed specialists offer traumatology and reconstructive surgery at a leading university hospital.
The Department of Orthopaedic Trauma and Reconstructive Surgery, like all medical departments on site, benefits from the unique layout of Aachen University Hospital. This is one of the largest hospital buildings in Europe, uniting diagnostics and therapy, research and teaching all under the same roof. The patients of Professor Pape benefit from the compact arrangement of the hospital, the way his department works closely with others on a interdisciplinary basis and the systematic integration of research and medical care. Every year his team handles more than 15,000 emergency cases and performs over 3,000 operations. The department's catchment area extends well beyond the local region, attracting patients from Germany and abroad.
Professor Pape, as well as acute trauma treatment, spinal surgery and joint surgery and prosthetics, your department has proven medical expertise in the field of reconstructive surgery.
Professor Pape: Yes, that's an important part of what we offer here; after all, not every injury or bone fracture will heal without any problems. Healing a broken bone is, in practice, always a complex process. Many patients come to us with a diverse range of complications and a long history of suffering. This includes, for example, growth disorders of the bones, muscles and skin – which have severe consequences for the patient: the limbs are often unable to withstand stress and deformities of the bones may develop. Correcting this requires a high degree of clinical experience due to the risk of repeat malformation or even infectionrelated complications, which are to be avoided at all costs.
How can you and your team help in these cases?
Professor Pape: We offer comprehensive diagnostics and state-of-the-art procedures for the treatment of misalignments and pseudoarthrosis, which can be the result of badly healed fractures due to defects in the bone. We put you on the road to recovery with new procedures, availing ourselves of bone material from your own body, which we obtain from the thigh. We have been performing this cutting-edge procedure with great success for a number of years now and are continually working to improve it.
What part do computer-assisted techniques play?
Professor Pape: A central part. For example, we have had great success in using new computer-assisted procedures for imaging. This enables us to monitor the positioning of the bone while the operation is taking place. This digital technology allows us to see a 3D image of the position of the bones, right after we have set them. This works in many different corrective surgeries, including on the hip, the spine and the limbs. The procedure meets the latest technical standards and is continually updated thanks to our close links to clinical research.
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다음 아이콘을 클릭하여 브라우저 공급자에서 기타 도움말을 받으십시오:


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Thursday, June 21, 2012
Update on my health
Just a quick update -
Doctors still think I have a infection in my lungs. Since Sunday I've been on different types of antibiotics through an IV line. In order for them to give me the correct antibiotics, they need to see what exactly it is that I have in my lung.
Which means that later today they will be putting a camera inside my throat and take pictures and take small samples of the infected area. They will take it to a lab and we won't know the results until Monday the earliest. One doctor told me that it's either a infection or I have lung cancer. That scared me. I'm just hoping it's a infection and I can avoid surgery. I've gone through two lung surgeries before and it's not a nice time.
I saw my son yesterday for the first time since Sunday morning. He got so happy.
As you can see, I look like crap. And my son is enjoying his nap.
How cool is this? Thanks Tommy....
I will let you go now. I don't have energy to be on the laptop. I will most likely update you Monday or Tuesday. Have a nice weekend everyone.
32 comments:
- Tangie said...
Wishing you all the best, we all love you from the Dodger family! <3
- June 21, 2012 at 8:44 AM
- White Devil said...
I know it is easier said than done, but keep your spirits up!
- June 21, 2012 at 8:48 AM
- Unknown said...
- June 21, 2012 at 8:54 AM
- Unknown said...
Get well soon! Our prayers are with you.
- June 21, 2012 at 8:56 AM
- David said...
Get well bro you'll be back soon
- June 21, 2012 at 9:16 AM
- maki said...
Get well soon!!
- June 21, 2012 at 9:22 AM
- LADodgerPaul said...
- This comment has been removed by the author.
- June 21, 2012 at 9:37 AM
- PleasantSurprise said...
Get well. My thoughts are with you.
- June 21, 2012 at 10:11 AM
- LADodgerPaul said...
eally hope its not the latter Roberto! And great for Tommy to check in on you. We are all thinking of you!
- June 21, 2012 at 10:11 AM
- MarLyNicoLe said...
We will definitely be praying for you! Dodgers coverage ain't the same without you! I know you'll be back at it soon! :)
- June 21, 2012 at 11:08 AM
- Your Coffee Drinking Devushka said...
I will be praying for you Roberto!
- June 21, 2012 at 11:11 AM
- patita said...
I saw the tweet from Tommy Lasorda and knew it would cheer you up. Get your rest and stay strong!
- June 21, 2012 at 11:46 AM
- Rhubarb_Runner said...
Hopefully you'll be seeing more Dodger blue and less hospital blue soon. You're in my prayers
- June 21, 2012 at 12:04 PM
- Unknown said...
You got this.
- June 21, 2012 at 12:52 PM
- hypnotic23 said...
Hope everything turns out ok Robert my prayers go out to u and ur family keep ur head up and God will take care of the rest..
- June 21, 2012 at 1:28 PM
- Edison said...
Wish you a speedy recovery. Stay strong.
- June 21, 2012 at 2:13 PM
- William Regenthal said...
Good luck man. I hope the procedures are as painless as possible and they get you back to good health. Glad to see the tweet from Lasorda. Prayers are with you, man.
- June 21, 2012 at 3:32 PM
- ben wideman said...
Get back on your feet soon! Blessings.
- June 21, 2012 at 6:28 PM
- kemp jr. said...
Roberto, may god's love keep you strong with faith that everything will turn out fine.
- June 21, 2012 at 8:28 PM
- Mr. Michel said...
Much love from San Diego, bro. I have been praying throughout my days for you and the fam. My family loves your blog. You are strong, and God is with you every step of the way. Rest up.
- June 21, 2012 at 8:59 PM
- ChipzzFlipzz said...
Get well soon Roberto... And stay strong my friend...
- June 21, 2012 at 10:32 PM
- Benzo Jones said...
Get well Roberto. Don't get too down, and find your own personal Beast Mode. There are a lot of people rooting for you!
- June 22, 2012 at 8:22 AM
- Oscar said...
Why do doctors throw the C word around like nothing? Take things step by step, as of Now you have an infection, Monday it will be clear what type an infection it is, THERE are SO many types of infections out there like STAPH, which are hard to diagnose some time. Disregard the c word!
Love your Blog,
- June 22, 2012 at 9:56 AM
- El Ras said...
Stay positive Roberto!
Get well soon..
- June 22, 2012 at 10:00 AM
- Anthonyg said...
Hoping and praying that you get well soon!!
- June 22, 2012 at 11:26 AM
- Dodgerfan49 said...
Roberto, keep your faith, God Bless, our prayers are with you
- June 22, 2012 at 12:13 PM
- bmallut said...
Robert, I don't know you, but I feel like I do from reading your blog. I pray that God will take care of your lungs and whatever the results from the test are that you would be at peace. I pray that it's just an infection that can be cured by some meds and no surgery will be needed. I also pray for your family. God Bless.
- June 22, 2012 at 3:45 PM
- BrooklynTrolleyBlogger said...
I'm here thinking about you too!
- June 22, 2012 at 5:14 PM
- Unknown said...
Hope you feel better soon!
- June 22, 2012 at 6:38 PM
- Unknown said...
I hope you get better Roberto! I'll be keeping you and your family in my thoughts and prayers! Go Dodgers!
- June 22, 2012 at 10:18 PM
- crzblue said...
Still praying for you kid.
- June 23, 2012 at 2:27 PM
- DodgersKingsoftheGalaxy said...
Ask me to pay not to pray, cause that makes no difference. It's the same song and dance when this happens on the internet, then people are going to get butt hurt and call me out. The fact remains saying all these nice things is to make YOU feel better, not the person who is in trouble. I hope the doctors know what they are doing and medicine has advanced enough to take care of it.
Of course when the person gets better it will be "god" who gets the credit.
- June 23, 2012 at 3:59 PM


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Going out for dinner? Take Tokyo Metro and enjoy a comfortable ride.
It's very useful ticket for sightseeing of TOKYO from Narita Airport.
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Exhaust Manifold car parts for ALFA ROMEO 156 (1997 - 2002)
Please find below all the necessary information to get your car parts.
You have reached the list of Exhaust Manifold for ALFA ROMEO 156 car parts. Please do not hesitate to call the car breaker if you find the right car part.
On the Dealer Info column you can see the name of the auto breaker, the telephone number. Using the left hand star you can add the car part to your shopping list for later review.
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3R Auto Parts recommend to call the car breaker if you want to have the opportunity to negociate the price of needed car part.
Condition: Good
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Phone: 07920196658
Condition: Good
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3R Auto Parts cannot be held responsible or liable for any problems encountered when purchasing car parts shown on the 3R Auto Parts website. The service provided is of an introductory nature, and any subsequent transactions are strictly between the individual supplier and the customer. Any grievances should be taken up directly with the supplier in question.


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Red Sox - 100 000 000 - 1 6 1Boston had two chances to get to Halladay in the early innings, but could not -- and Halladay cruised to his fourth complete game of the season (9-6-1-0-7, 105).
Blue Jays - 020 001 00x - 3 6 0
With one out in the first, Dustin Pedroia singled and Kevin Youkilis followed with a double. David Ortiz's line out to right brought in FY with a quick run (Halladay had thrown only 10 pitches), but Alex Rios hauled in Jason Bay's deep drive to the wall in dead center.
In the third, Pedroia and Youkilis singled with one out. But Ortiz grounded into a force play and Bay flew to Rios again. The only other baserunners for the Red Sox aftre that were Ortiz, who singled in the sixth, and Bay, who forced him at second.
Lester (7-5-3-4-6, 112) walked four batters for the first time this season. He had not walked that many since September 2, 2008 -- and the time before that? April 29, 2008: his 8-1-0-4-6 game against Halladay. A nine-day layoff because of the All-Star Game might have contributed to some rustiness.
Rod Barajas -- he of the .107/.107/.214 batting line in July and .169/.207/.325 since June 6 -- drove in all three Toronto runs.
After Lyle Overbay and Alex Rios both walked in the second (on a total of nine pitches), Barajas's double into the left field corner brought them both home. In the sixth, Overbay doubled, Rios singled, and Barajas hit a sacrifice fly to center. He also singled in the fourth.
Jon Lester (3.87, 120 ERA+) / Roy Halladay (2.85, 151 ERA+)
MLB.com preview:
Lester enters the second half of the season on a bona fide hot streak. The 25-year-old lefty has allowed three runs or fewer in each of his past eight starts since May 31, yielding one run or fewer in six of those outings. Just 21 strikeouts shy of last year's career-high total of 152 ...In those eight starts, Lester has a 1.48 ERA. ... Red Sox batters vs Halladay.
Fresh off a start for the American League in the All-Star Game, Halladay returns to the Jays' rotation in search of his first win since June 7. Over his past four starts, including an injury-shortened outing on June 12 that led to a two-week stint on the disabled list with a right groin issue, Doc has gone 0-2 with a 4.30 ERA.
These two aces last met on April 29, 2008 at Fenway Park. Lester threw eight shutout innings, allowing only one hit, and the Red Sox rallied with two outs in the bottom of the ninth off Halladay -- Ortiz walk, Manny single, Youkilis RBI single -- to win 1-0.
Mike Lowell will likely get the day off, with Jed Lowrie playing third and Nick Green at shortstop.
Tigers/Yankees at 2 PM.


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Tagged: Ozzie Guillen
Spring Training Day 2 – Fun on the Practice Field
I didn't get up as early as I hoped (I'm on vacation after all), but I still got over to the Cardinals practice field around 11am. The starters had already finished their warm ups by then, but I caught some amusing batting practice by Wainwright, Lohse and Westbrook. The coach throwing BP was a total comedian, making fun of their swings and encouraging competition. When they finished, all three players signed autographs for quite a while. I didn't get anything signed, but I was able to get some good photos.
I then watching some more batting practice. Mark McGwire and John Mabry were giving tips to Komatsu, Velez, (David) Carpenter, and others. They were quiet, so I couldn't hear much, but it was fun to watch.
My seat today was in section 118, between third base and home. The Cardinals took on their fellow residents of Roger Dean Stadium – the Marlins. Hanley Ramirez has orange hair to show his Marlin pride.
Marlins manager Ozzie Guillen and Carlos Zambrano kept the crowd amused.
Lance Lynn had the start for the Cardinals today, and he did pretty well, but he gave up a home run to pinch hitter Daniel Pertusati.
It was nice to see Chris Carpenter at the game, sitting at the end of the bench here – although it would be nicer to see him in the game.
We got the home run back with a towering shot by Beltran.
But then a throwing error led to another Marlins run, and they ended up winning the game 3-1.
We wasted a good scoring opportunity with 2 men on and David Freese at the plate with a botched double steal. Yesterday's game was more exciting, but it was still a nice day at the ballpark.
I had a cheesesteak and an italian ice today, although the Cubs Hater hot dog sounded intriguing. Maybe tomorrow.


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"Where can a woman find a good drink in this town?" This was precisely the question posed by a pirate wench as she swaggered into a bar in the Midwest. The bartender boasted that their specialty was the Manhattan, but then blew it by asking, "Would you like vodka or gin?" At a newer restaurant in the Old Pueblo, the pirate wench found liquid treasure, and her pursuit of traveling far and wide in search of the perfect Manhattan has ended. Traditional ingredients like Kentucky Maker's Mark bourbon and sweet vermouth pave the way for a delicious variation of slightly sour cherries soaked in Jim Beam, then splashed with grenadine--a foxy concept if there ever was one.
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For 'All Is Lost,' A Songwriter Embraces Silence
It's ALL THINGS CONSIDERED from NPR West. I'm Arun Rath.
Alexander Ebert is the singer and songwriter behind rock band Edward Sharp and the Magnetic Zeros.
RATH: Recently, and somewhat abruptly, Alexander Ebert became a film score composer. He wrote the music for "All is Lost," a movie directed by J.C. Chandor that stars Robert Redford as a solitary man lost at sea. Between the opening and the credits, barely a word is spoken, leaving the music front and center. Alexander Ebert joins me in the studio. Alex, welcome.
ALEXANDER EBERT: Thanks for having me.
RATH: So, first off, you know, for people who haven't seen the movie, Robert Redford is a sailor on a boat. It's damaged, and he's trying to survive. That's the entire film. It's a pretty stark and open canvas to work with. What was it like composing music for something like that?
EBERT: Man, it really felt like stepping into nothing and just sort of putting that first color on that gigantic canvas. I had had some great conversation with J.C., the director, about, you know, what to do. But it was very sort of like, esoteric talk. It was nothing specific. The only real specific thing I got was no piano. And so that sort of started my journey, discovering, finally, the alto flute as the mouthpiece for the main theme.
EBERT: For instance, the alto flute sounds like an approaching ship in some ways when you just hear a single note. It sounds to me like a foghorn.
EBERT: And, of course, it's also a very breathy instrument that reminds me of the wind and something calling to him and, in this case, sort of - for that main theme, "Excelsior," the - his surrender, his own surrender, calling to him.
RATH: In the beginning, it's very subtle. You almost - the entrance of the music is imperceptible, really, the way it sort of comes up. And there are times when there's no music at all. It's just the natural sound. Did you work that out with the director, like, where you would have music and not?
EBERT: Yeah. In our first meeting after reading the script, I told him that I thought that silence was the other sort of main character and that I really wanted to respect the silence. And by silence, of course, I mean the natural sounds and the sounds that Redford is hearing.
And actually, originally, I even wanted to try and compose a single piece that would begin with a good minute, two minutes of silence between each note so that the song would - was very particulated at the beginning and then would slowly - sort of the notes would get closer and closer together and you'd end up with a song.
EBERT: And, you know, it was one of those things where it's a natural instinct for any sort of serious director to be very reticent to include any music that's presenting itself too melodically because, after all, what's music doing in my story anyway? You know, this is life. This is not a musical. I think that the one thing we agreed on was that there should be a lot of respect for the natural sounds and the silence that this character is experiencing. Otherwise, we're not going to be thrown into the mind state and the reality of this movie.
RATH: Again, because there's no dialogue, your music is - it's out there and exposed in a way that it's kind of unusual for a Hollywood film.
EBERT: Yeah. It was sort of a scary experience watching it the other day. I went to the movie theater and watched it. And for me, it was hard to tell exactly how up front it was and then all of the sudden, you know, there's a scene and one of my favorite pieces called "Dance of Lilies" where it - a storm finally comes in a major way. And I was very keen on including a lot of melody, somehow. And so that rub there, I think, created a nice dialogue, and it shows itself in that scene.
RATH: I'm speaking with Alexander Ebert. He wrote the score of the new Robert Redford film "All is Lost." You've - obviously, you've been involved in bands and played with musicians, but composing is a solitary activity. Did you kind of have a sense of isolation yourself? Were you able to evoke that more easily?
EBERT: Yeah. I had some different ideas of what to do. But I would just sort of think about myself in some ways being out at sea. And it was very easy to go totally hog wild and just fill it from beginning to end with music because every inch of it is poetic.
RATH: It's interesting. I mean, there's atmospheric qualities in your music and your band - like in Edward Sharpe stuff - but it's still quite a jump from songs to the abstraction and big canvas of a movie.
EBERT: Yeah. It's a huge jump, certainly, from the outside. The whole time, I was super giddy because I knew I could do it, and I was very excited to do it. And to be able to write something that did not have a chorus and that would play for as long as it needed to and naturally disappear and come back whenever it needed to and then naturally disappear again is supposed to sort of feel forced into a particular mode. For me, that was very natural, actually. It was super liberating.
RATH: There is one part in the film before the song at the end where there is sort of - it's kind of a choral sound. I feel like I'm hearing a human voice.
EBERT: Yeah.
RATH: I'm wondering what that is and...
EBERT: That was me.
RATH: Yeah?
EBERT: Yeah, yeah.
RATH: Were you singing words?
EBERT: Well, no, I wasn't. I was just going, you know, ooh, and just using my falsetto voice to sort of - to sing. And also earlier in "Dance of Lilies," during the storm, I actually sing with a full chest voice, as they say, and sort of belt out some ahs over the whole thing. Early on, I know J.C. said he wanted to hear my voice. I wasn't so sure about that. But I was able to find some places where it made sense.
RATH: And why in those couple of places? What were you trying to evoke?
EBERT: In that last scene, it just wanted that finally. There was nothing else there. There was no other sort of like - no other humanity there except for the immense humanity, the singular humanity that was sort of surviving the whole time and...
RATH: It's a powerful moment in the film.
EBERT: It is, yeah. It's, I guess, a welcoming and an ascension.
RATH: Composer Alexander Ebert. He wrote the score to the new film "All is Lost." Alex, thank you.
EBERT: Thanks so much for having me.
RATH: And for Saturday, that's ALL THINGS CONSIDERED from NPR West. I'm Arun Rath. Check out our weekly podcast. Search for WEEKENDS on ALL THINGS CONSIDERED on iTunes or on the NPR app. You can follow us on Twitter, @nprwatc. Until tomorrow, thanks for listening and have a great night.
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In a Research magazine cover story published last summer, author Michael Finke quoted a man who bluntly asked how to invest in his old age: "What do I do when I get stupid?"
An inability to understand money and credit is one of the first stages of dementia, according to research by Daniel Marson, a neuropsychologist at the University of Alabama, Birmingham, published in the American Journal of Geriatric Psychiatry. This means financial advisors may be the first to see signs of mental decline in older clients. In fact, 84% of advisors in a 2009 Fidelity survey thought they had clients with declining mental capacity and 96% said they did not feel prepared to deal with it.
Mary Malgoire, founder of The Family Firm, an advisory firm in Bethesda, Md., has given this issue a great deal of thought. In an excellent workbook, "Financial Tips for Adult Children of Elderly Parents," she offers guidelines not just for children of aging parents, but also for advisors, CPAs, eldercare attorneys and other professionals. To find out more about how to handle signs of dementia, I interviewed Malgoire in March.
Olivia Mellan: How do you start the conversation if you believe a client is failing?
Mary Malgoire: If the older person's adult child is also your client, it's relatively easy to ask, "How are Mom and Dad doing?" or "How's your Dad doing?" But this is a landscape that the child has never walked through before. So at the same time, you might want to ask some questions to tip them off: "Is Dad keeping up with the bills?" or "When you visit, does the fridge have enough food in it?" Eating well is a particularly important consideration when a parent has been widowed.
It's important for the child to be observant. "Has Dad had any trouble driving?" "Are they finding places they're driving to OK?" One of the things that tipped us off in two different cases was that elderly clients were having trouble getting to our office, when they had no trouble in the past.
When you're addressing this subject with an elderly client, it's a little bit more difficult. You start out with easy questions like "Did you have any trouble getting here today? How was the traffic?" If they trust you and have a good relationship with you, they might say, "I took a bunch of wrong turns and got lost." Then you might ask, "How are you doing with staying on top of the bills?" This can be a casual conversation; you don't want it to look like item one on the agenda is "Check in about how they're aging."
OM: So you think advisors should be proactive if they notice that a client is having problems?
MM: Diagnosing cognitive impairment isn't our job, but we can explore areas of concern to help a client function and get the help and support they need.
For example, we had a woman in her late 80s—a widow whom we'd worked with for more than 10 years and knew very well. Over the course of eight months or a year, we noticed she had trouble finding our office. She couldn't remember getting to places, and organizing events was becoming difficult. We asked if we could speak with one of her daughters, who lived far away. We said to the daughter, "We think it's time for you to move your mother closer to you; she can't live alone any more." The daughters collaborated and moved the mother into a good assisted-living situation closer to one of them, and it worked out fine.
OM: Is there anything you do at the beginning of a relationship to prepare for a possible mental decline later on?
MM: We do have a form that we sit down and fill out at the start of a relationship. I borrowed the idea from a NAPFA member, and I think it's a best practice that advisors should adopt.
We tell the new client, "We routinely ask some questions as part of getting acquainted, so I don't want you to feel offended by them." Then we ask, "Who pays the bills? Are you staying on top of the bills?" For widows or widowers, we might ask, "Do you have friends you go out with a lot?" With older parents we ask, "Do you see your kids often?"
For single clients who live alone, we also ask, "If we start to see that things are getting more difficult for you, who should we call?" They indicate the name and we put it in writing and they sign it. We call it the "incapacity form." It's not a legal document, but it says, "I prefer that you first discuss things with me"—they check that [on the form]—"and then, if you need to contact someone else" and so on. This form was suggested by NAPFA member Nancy Nelson.
OM: One thing I particularly love about your approach and your booklet is the Pledge to Care.
MM: We believe this pledge is extremely important. From the perspective of the elder person, aging is very scary and very difficult, especially in one's 80s and 90s. Their memories are fading, their attention isn't as sharp. So the point of the Pledge to Care is for the adult child to assure them that he or she will act in their best interest. However, because of the potential for misuse, the pledge should only be used when everyone's intentions are honorable.
I wrote the pledge from the standpoint of the financial aspects, which I think a lot of elderly people are worried about. "Can I live in my own home? Do I have concerns about whether my children will take my money?" There are lots of situations where an elderly person should rightly be concerned. This is designed to help them feel that their adult child has given them assurances of acting in their best interests. The client and their elderly parent or adult children sign it, not the financial advisor.
OM: What prompted you to create it?
MM: One of my colleagues at NAPFA, Carolyn McClanahan, is a big advocate of "engagement standards" in the volunteer community of NAPFA. Basically, this means having an agreement with the volunteer as to what they're getting into and securing their commitment to provide the time to get the work done. It occurred to me that this would be a great idea for adult children and their elderly parents.
We've posted the workbook on our website, as well as a sample pledge for siblings who need to share responsibility for the parent. The Sibling Pledge to Care includes things like "I will participate with an open mind. I will participate with integrity. I will not attempt to act on our parent's behalf without the legal authority to do so."
Since an elderly person may be worried about the kids sharing information and plotting against him or her, another important thing is confidentiality. The pledge might say, "I will maintain the confidentiality of your information." They also commit to keeping the elderly person informed.
This pledge has two sides. First, it helps the elderly person feel they have an ally in their child or children or whoever signs the pledge. The other purpose is to help the adult children understand what their responsibilities are, to give them some guidance and to help them recognize the boundaries within which they have to work. They need to understand that they can't change a legal document or take charge of Mom's affairs without the authority to do so, and that they're agreeing to spend the time it takes to fulfill the obligation they're committing to.
OM: Switching roles is hard. You want to protect a parent who may not be able to care for her finances any more, but it's important to let her retain her dignity.
MM: The thing is, there's a whole predatory community after these elderly people. A woman told us, "My mother is addicted to catalog buying. She likes to buy sweatshirts. So the catalog company puts her on speed dial." If that means she's spending money on sweatshirts that she needs for her living expenses, that's a real crime. We should know when a client or a client's parent is at risk.
At the same time, if your mother has a favorite thing she likes, you shouldn't try to take that away from her unless it's a real threat to her financial security. A financial advisor can help sort this out by saying either that there's enough money or that she needs to be careful.
OM: It's encouraging to me that advisors are becoming more aware and active in helping their elderly clients. Perhaps we'll see more emphasis on this in training or continuing education courses?
MM: We have to decide what kind of advisors we are—whether we get in there and help solve real problems or just push investments around, especially when there are problems that clients can't articulate and don't know they have.


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