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Monday, April 7, 2008
Backwards "TWIN" A Good Show In Reverse
There are a lot of things that SPEED has sorted out on their new Monday night TV series called This Week In NASCAR. There is one very fundamental thing that they have not.
Steve Byrnes hosted an hour with Michael Waltrip and Greg Biffle as the panelists on this week's show. As usual, the conversation at the top of the show was about the big Texas weekend and the many happenings over the past three days.
Regular viewers of the show knew that soon this good conversation would be halted, and it was. For whatever reason, it was time once again to look forward to the next Sprint Cup race before ever starting the review of the one that just took place...yesterday.
No one quite seems to understand what SPEED is trying to accomplish by putting the preview before the review. It certainly is tough to remove the current news and the current highlights and put them on the shelf for thirty minutes. For better or worse, that is exactly what TWIN did again this week.
Once the program got through the Phoenix preview and opened the door to conversation about Texas, things came alive. Waltrip was finally comfortable and outspoken on all kinds of topics, and even began to show his unique sense of humor.
For his part, Biffle was more comfortable on this program than he has been in a long time. The conversation about the COT, the dynamics of tuning the car and the problems the teams have been having was outstanding. Biffle brings a mechanical approach to racing in the same way that Waltrip brings an emotional one.
Steve Byrnes still has to integrate a lot of video and features into this program. Sometimes, they close down a good conversation that is in-progress. While the quality of the edited video is outstanding, this is the reason that the Inside Winston Cup program was once expanded to ninety minutes. Just too much content for an hour.
SPEED took a gamble in starting this franchise over, and TV viewers have watched the changes in this series as it has developed. Suggestions on other changes have included returning Ken Schrader to the panel and having a weekly studio guest.
The one curious item continues to be asking fans to wait thirty minutes to see the panel discuss the recent race weekend. This show was a good example of that, as the panel had a blast talking about Texas. As the series continues to develop, it should be interesting to see how long SPEED can stick with this format.
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39 comments:
- Anonymous said...
Hey JD
The intransigence of TWIN about looking to next week and FOX and the "Flagman at the end" issues are symptoms of the FOX and NASCAR brands arrogance.
They do not care about viewers/fans. They think they know better than we. The TWIN show tonight sucked side pipes, and thats a fact. Is it a SPEED production or is it NASCAR Images?
- April 7, 2008 at 9:07 PM
- Anonymous said...
Yes, the panel did have a blast talking about last weekend. I thought the comment on the sponsor of the 00 getting TV time this week was interesting. Even though the show is still shown in reverse, it may have been one of the better ones this year.
Kingston, NY
- April 7, 2008 at 9:09 PM
- TexasRaceLady said...
Even with the backwards show, I really enjoyed this one.
- April 7, 2008 at 9:14 PM
- Anonymous said...
I have to agree that the show picked up steam after they began talking about Texas, and I believe the Phoenix preview would've been better if it took place after the Texas review. But even in spite of that it was a good show tonight.
- April 7, 2008 at 9:30 PM
- Anonymous said...
Has SPEED ever mentioned why they lead off the show with a review of the next race first?
- April 7, 2008 at 9:35 PM
- Daly Planet Editor said...
Did you guys catch the Ken Schrader mention by Steve Byrnes at the very end of the show?
I think some comments are sneaking through.
- April 7, 2008 at 9:41 PM
- Newracefan said...
Yes I caught the Schrader comment, I still think if Schrader can't be there they should do a where's Waldo thing with Kenny to promote all the local tracks he goes to. Is it possible the Kenny is annoyed at Speed and not participating by his own request??
I also wonder if they have somewhat of an agenda that must be covered related to the next race and therefore doing it first makes sure it happens. This order also makes certain it ends on a fun note although this type A personality has a problem with future/past order.
- April 7, 2008 at 9:56 PM
- Anonymous said...
Wouldn't Next Week in NASCAR be a more accurate name for this show.
Frank in Sebring
- April 7, 2008 at 10:04 PM
- Sophia said...
What was said about Ken Schrader, please somebody tell me?? I was busy watching DANCING WTS since the DYSLEXIC director of TWIN must be related to the guy that shots the END of the races on FOX but I digress.
During a commercial break on DWTS, I DID click over in time to wretch over TWO digger mentions and some digger puppet. Are you kidding me? I heard DIGGER was on TWIN last week.
ESPN's version of DRAFTRACKER...sheesh.
anyway, I refuse to watch this show when it's propaganda for the next race AND if you want to hear Mikey you gotta sit thru more baloney than I can handle.
NNow was not on top of it's game but still beats this show.
I totally agree with whoever said SPEED and FOX have the same arrogance issue.
SHEESH...weren't we saying this last summer about ESPN.
Wonder what this means..this a karma deal? (Making us not like FOX/SPEED nonsense?)
Things that make you go hmmmm.
- April 7, 2008 at 10:21 PM
- Anonymous said...
.Speed reverse of out shift please, say I can What
- April 7, 2008 at 10:24 PM
- Newracefan said...
Driver with most wins/top fives or something along those lines (don't remember exactly) in Phoenix - Kenny Schrader. Mikey he's my favorite driver.
- April 7, 2008 at 10:31 PM
- Kyle said...
Beating a dead horse here,but I didn't even bother to TIVO it tonight.
Showing next week first is asinine. If they ever fix that, I will start watching it again.
- April 7, 2008 at 10:35 PM
- Anonymous said...
I'm done complaining. The order is backwards and they don't let the panelists talk enough.
I don't mind them promoting the upcoming weekend's SPEED programming (hey - at least they are showing practices this week unlike Martinsville), but the recap of SPEED personalities from the previous weekend (Rutledge, Kenny Wallace, etc.) is so self-indulgent it makes me want to vomit.
Other than that it's a very good show.
- April 7, 2008 at 11:10 PM
- Anonymous said...
S tried watching the show last night, but found about 5 minutes in, I wasn't interested. Having only 3 people gives Michael even more time to sound over stimulated and annoying. I gave up and switched channels, and don't plan to try watching again. I give up.
- April 8, 2008 at 6:23 AM
- Ritchie said...
The show is still too agenda driven. Even without the videos (which actually are the best parts of the show), there is nothing to be gained from watching it. They sit there between videos and gush about how wonderful everything is. It has basically become a NASCAR/SPEED/Michael Waltrip Racing infomercial. Between the gushing moments, they take an opportunity to detract from the individuals who disagree with their point of view. I simply don't understand how this type of show can be considered quality programing.
BTW, I propose a new drinking game. Everytime Mr. Waltrip says, "I've never seen a boring race", everyone take a shot of your favorite beverage.
- April 8, 2008 at 6:56 AM
- Unknown said...
I was glad to see Biffle but the short amount of time for actual discussion just robs the show of its energy.
- April 8, 2008 at 7:03 AM
- Unknown said...
This is just speculation, but I think the reason they preview the upcoming race first is to stop the show from becoming dated. They could then run the show anytime during the week, up to and including before they start practice on Friday and the information would still be fresh.
That aside I don't like the format. I would love a show where they break it up into 3 parts and do a segment on each series, with panelists from that series.
JD, on a different note. Who owns the race broadcast? After it is over do the broadcasters (FOX, ESPN, TNT, SPEED) own the broadcast, or do they own the rights to it for a period of time and then the rights revert back to Nascar? If Speed wanted to replay a race from last year or a few years ago, do they have to go to the original broadcaster or to Nascar for the rights, film?
Is it the same for hilites from a race, does Speed (or any other network) have to pay "by the minute" for what they air to the original broadcaster, or do they get this from Nascar?
- April 8, 2008 at 7:05 AM
- Anonymous said...
Great show, it included, information, humor, and discussion. I loved it when Biff tapped Mikey for his turn to talk, hmmm bump stops, I have heard many ask to get rid of those, not just Waltrip. This was one of the best shows so far, and even though Mikey finished 31st and the 44 had engine trouble keeping him out of the top 35, he still came in with a smiling face same goes for the Biff with his rare poor finish.
- April 8, 2008 at 8:01 AM
- Anonymous said...
I never understood the re-focus of this show and quit watching. It used to be must-see TV for me when the focus was to review the last weekend's race from the panel's perspective. I would even go ahead and change channels when it was time for the quick preview for next week at the very end of the show. There are SO MANY pre-race shows before the actual races next weekend, that a show on Monday night focused on next week's race doesn't really make sense. On Mondays, I am still processing the race from Sunday and any issues/hot topics, etc... I am not already looking to next week. Once Friday comes around and qualifying + practice are on TV, then I get excited about that weekend's races. Between all of the practice shows, qualifying, and the pre-race shows on ESPN, Speed and the Network, that is plenty to get me ready for the weekend race. There is no reason to watch a preview that was run about 6 days prior... On Monday, I want a full hour re-cap of (all of) the races from the driver panel perspective and maybe some features and/or interviews that may make sense. (Sounds suspiciously like an old format!) Until then, I am spending my Monday nights with Tony and Matt getting their re-cap of the weekend on Tony Stewart Live!
- April 8, 2008 at 8:42 AM
- Anonymous said...
I believe Speed needs to tweak this show and show the race first! PULLLLEAAASE. And I found it funny that Mikey kept on poking Greg when he had a comment to make. If they don't have Schrader on there then get a hot-seat guest too. Other than that, I think last night's show was one of the better ones.
- April 8, 2008 at 8:53 AM
- Anonymous said...
I gave up on this show after the 2nd show this season. After 10+ years of never missing IWCR and even going back to it after they dumped Allen and JB, they finally drove me away completely with the revamping of the format.
NASCAR Now's Monday show is an excellent substitute!
- April 8, 2008 at 9:02 AM
- Daly Planet Editor said...
bill h,
Like almost all professional sports, ultimately the footage is archived, owned and distributed by the sanctioning body's TV company.
PGA Tour Productions is in St. Augustine, FL. NBA Entertainment is in Secaucus, NJ. We all know about NFL Films.
Late last year, NASCAR rolled their TV company called NASCAR Images into a new all-inclusive structure that would deal with anything media related.
The new company is called The NASCAR Media Group, and is run by a nice guy named Paul Brooks. They are still getting themselves organized, and will ultimately move into the office building attached to the new NASCAR Hall of Fame complex in Charlotte, NC.
That location will house all the race and other footage as well as providing a full-service TV and new media production and distribution facility.
- April 8, 2008 at 9:11 AM
- Anonymous said...
I thought this was the best show of the season. Finally Michael was set loose and allowed to be himself - they even referred to Michael's "antics" in the open to the show. Greg seemed a lot more comfortable too and he and Michael both seemed to be enjoying themselves. I felt a lot more of their personalities came through last night. The show was a lot more fun to watch last night than in the past when it's sometimes seemed very scripted and forced.
However, I join the chorus of continued complaints about so much time being spent at the top of the show about the upcoming race.
- April 8, 2008 at 9:37 AM
- Anonymous said...
I know this show is eventually get it right and return to the original Inside ------ cup format that I have watched and loved for 12 years unfortunately I will never know because I will have stopped watching this disjointed pig of a program
- April 8, 2008 at 9:46 AM
- Steve L. said...
I removed TWIN from my TiVo to-do list after I watched the first few minutes of the show when they went directly to the preview of next weeks race.
I've tried to watch, but like everything else this year, no one seems to care about what the fans want to see.
Goodbye TWIN......
- April 8, 2008 at 11:38 AM
- Ziggy said...
Geeezz, think anyone over at NASCAR Images, FOX or SPEED reads this blog ???? All of us are beatin our heads against the splitter for nothing but thank god we can vent. This show is unique - name another that starts assbackwards !
- April 8, 2008 at 11:42 AM
- Sophia said...
There is no doubt THIS is what the producer and SB wants. Last night while watching my soap, I clicked over at midnight viewing to see the comments "How great the race was." I know Mikey, who I love 'has never seen a boring race.' But he and SB gushing how great Texas was made me sick. Even ALL the other NASCAR talk shows talk of lack of ability to pass.
I see the Carl Edwards video Kool Aid (that all drivers like to whine)has spread to the SPeed monday night show. However I did not immediately hear Biffle give his input and turned back to my show.
JUST FOR THE RECORD, FOLKS, even with DAVE DESPAIN hosted INC, I often watched the monday show TWICE as it was funny.
And I love how DD got blasted for being so 'scripted' and I am reading everywhere else, Byrnes is even worse at that.
So, those of us not watching or taping this show are not missing fun because they are not allowed to have fun.
Also the first half of the show IS LUDICROUS and ASSININE. That is the NUMBER ONE complaint I am reading and number two, way too many videos rehashed. Just like we all griped about the first few episodes.
And Schrader is sadly missing. Even with his return, I would NOT watch this show until they show it in proper order.
MY GOSH. How frustrating...I let go of the old INC show but this new one is just such a TURN OFF due to the 3 minutes of chit chat of Sunday's race and then, 'more of yesterday's race later, but first' REMOTES CLICKING OFF.
Actually, they should say butt first since the show is backwards. Sorry for the pun but I could not stop myself.
Not funny though. Sigh
- April 8, 2008 at 12:16 PM
- Anonymous said...
Bring back the "Hot Seat". Heck, bring back the show (and cast, including the dumpster pickup) of ten years ago!
- April 8, 2008 at 12:59 PM
- Anonymous said...
JD. I know this is not the place for this comment. I know you cover TV, but will you be talking about the lawsuit MRN and PRN have filed against eachother to broadcast the races at NHMS.
- April 8, 2008 at 1:53 PM
- Anonymous said...
SPEED, take a good look at all of the above comments. We all can not be wrong.
Kingston, NY
- April 8, 2008 at 2:03 PM
- Daly Planet Editor said...
Anon 1:53PM,
Since it does not impact the TV coverage, it will probably be followed on scenedaily.com and thatsracin.com during the legal battle.
This is only the tip of the iceberg in the battle over control of the audio broadcast of the races. There are a lot of things going on behind the scenes with XM and Sirius.
As I wrote in an article last season, the push toward what is called "convergence" is at the core of this issue.
We are the last generation that will consider having one instrument as a phone, another as a TV, yet another as a laptop and finally one more as a radio.
Kids today want everything on demand in one machine that can accomplish all the tasks listed above.
Ultimately, that is going to change the old style "TV and radio" rights structure of NASCAR as we know it.
Should be an interesting couple of months.
- April 8, 2008 at 2:07 PM
- Anonymous said...
TWIN still comes across as 'flat'. Byrnes and Waltrip can defend the COT all they want,but the car is a PIG! Ten cars on the lead lap at a wide,mile and a half track?? Biffle said half the cars were undrivable. A Drivers Union would fix the Goodyear and COT problems quick!
- April 8, 2008 at 4:51 PM
- Dan said...
Once, when the topic of IWC/INC/TWiN was discussed on this blog, there would be a flood of comments. I always took the sheer number of comments as a sign of how popular the show was. Now it seems like the numbers are shrinking each week. Like many others here, I've removed TWiN from my DVR's to do list since the program no longer provides what I consider to be unique and entertaining content. I'm wondering if the dwindling number of comments we're seeing each week is an indication that TWiN is loosing viewers.
- April 8, 2008 at 6:09 PM
- Karen said...
To me, this is what the DVR is for. Skipped through the next race stuff and stopped on last weekend's coverage and watched that only. Shame. I used to love INC, but no more.
- April 8, 2008 at 6:51 PM
- Anonymous said...
It stinks, period.
- April 8, 2008 at 9:57 PM
- Sophia said...
I think if TWIN is losing viewers it's because their UNIQUE showing of the show backwards is a MAJOR TURN OFF!!!!!!!!!!!!!!!!!!
I LOVE MIKEY but can't stomach the first 30 minutes of the "NEXT RACE" followed by wasted video filler instead of real conversation.
- April 8, 2008 at 9:58 PM
- Sophia said...
P.S. If SPEED would put the show from REVERSE to drive, AND can the video junk,, and return to live conversation, it might have a chance.
- April 8, 2008 at 10:00 PM
- Anonymous said...
As they say on one of my favorite shows and mentioned on someone's post - HOW HARD CAN IT BE????? To move the past weekend's race first in the broadcast and upcoming race near the end of the show???? What is wrong with Speed I don't care about last year's race. Period! That's my final comment on this topic!
- April 9, 2008 at 8:31 AM
- Anonymous said...
There is one good thing that can be said about this show. At least with this show you get more racing action with all the videos that you get from the network broadcast of "commercials interrupted by a race".
Waltrip has never seen a boring race because he's never watched one on TV. In person they're never boring but with so many interruptions it severely disrupts the flow of the actual race.
- April 10, 2008 at 5:30 AM


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As millions head back to school, this is a good time for advisors to connect with their clients. It's a good time to connect with their clients' children. It's a good time to review financial plans.
Yes, it's a good time to discuss 529 investments, but it's a teachable moment as well, to build bridges to multiple generations.
Helping children, from an early age, to learn about budgeting and to understand how much things cost — think of all those new clothes and supplies needed for each new school year — will help them navigate the world through college and beyond.
There are also changes to take note of, such as the now-lower interest rates on federally subsidized student loans, and strategies that advisors and their clients need to brush up on.
Consider a TD Ameritrade survey of those ages 13 to 22, dubbed Generation Z (don't ask us what comes next), that found that about half said their biggest concern was paying for college. That's a 10 percentage-point bump from 2012. Still, nearly two-thirds say a college education is essential for success.
There are tools you can suggest to your clients for keeping track of their most precious asset — their children — and ways to help your clients save money in the back-to-school shopping season and beyond.
Take a look at the following pages for information and suggestions that can help your clients and strengthen your relationship with them.
1. Student Loans
The cost of college can be a drag on any financial plan. Fortunately, recent action by Congress offers good news for those paying for school with loans. Undergraduates will get the most benefit from the law, which sets the interest rate at 3.4% for the coming school year. That's a cut of 50% from last year. In the future, the interest rate will be tied to the market and will be capped.
Despite the decrease, the Congressional Budget Office estimates the federal government will make $50 billion on student loans this year. U.S. News & World Report explained how some critics decry the profit, saying it adds to the burden on students to pay for tuition, which has spiraled upward for decades.
One other overlooked way to pay for a child's education: get a job at a college or university. Most schools will cover the cost of an employee's child's tuition (and the employee, for that matter), regardless of the position the employee holds. In addition, many have reciprocity arrangements with other colleges and universities, so the employee's child may be able to attend another school for free. However, "free" means tuition — the largesse does not extend to room and board or fees.
2. Watching the Pocketbook
Parents of children from kindergarten through college deal with the annual back-to-school buying craze. The sales are advertised even as the last semester seems to have barely ended (a PriceGrabber survey says a third of shoppers said they'd start stocking up in July). Sales at stores like Staples trumpet ways to soften the hit to the pocketbook.
PriceGrabber's survey found that the most popular way (50% of respondents) to save was hit the discount stores. Fabulous & Frugal offers a tip for keeping the clothing budget down: swap with other parents in the same boat. One tip that you might offer clients to save is to go though closets to see what can be used for the new school year. Well under half (37%) of the respondents in PriceGrabber's survey said they planned to do so.
Now, if your clients had a very good year financially, they could spring for a little extra to make their children stand out. How about replacing that faithful, yellow, Ticonderoga No. 2 with the Perfect Pencil from Faber-Castell? The price of "perfection?" Just $425. But it is self-sharpening.
3. Finance 101
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Advising your clients to help their kids master these skills can help cement a bond that goes beyond mere discussions of investment strategy.
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Identity theft is a concern for adults worried about having their credit cards and bank accounts raided by hackers. But Javelin Strategy and Research notes that even the youngest students can fall prey to the problem, although it usually is undetected until the children are older.
Javelin's tips for avoiding becoming a victim include: carry Social Security cards and passports only when necessary; if asked for your child's Social Security number, ask why it's needed, if there is any other info that can be offered instead and how the data will be secured; ask how schools store and discard sensitive information before providing any; teach kids proper password security techniques.
5. Gadgets
The start of the school year means making sure the student in your client's life has the latest tablet, laptop and smartphone. It's good to make sure last year's gear is still up to snuff.
And here's a fun little gadget just for teachers. Cheating scandals are nothing new, but the amount of data available at a every student's fingertips is truly awe inspiring. What's a teacher to do when at every desk lurks a smartphone with the potential to wreak havoc on the bell curve? Berkeley Varitronics Systems says it has the answer in a pocket-size unit that can detect cell phones in use. The $500 PocketHound is every teacher's dream.
6. Saving for College
It's one thing to find a way to pay for those supplies and gadgets while your kids are making the transition from elementary school to high school graduate, but it's another to scrounge up the cash for college tuition. The key, of course, is saving. And you'd better start early. Legg Mason offered some tips to get you on the right track. They include: determining cost of college when your child will attend (including housing, books, incidentals); determine what percentage of college they wish to fund; set savings targets and re-evaluate them as time goes by; choose a savings vehicle.
Legg Mason advises that a 529 plan has advantages over others, including on taxes, estate planning, control of the account and flexibility. Morningstar notes that in some states money put in a 529 plan can be withdrawn almost immediately, meaning you can gain tax advantages even if you need the cash right away for the upcoming semester.
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The cost of doctor's visits is nothing to sneeze at, and kids going off to college need to be armed with the right information in case they fall ill or are injured. Making sure they know where to find help covered by their parents' health plan is essential. If a student needs to fund his own health care, most campuses offer clinics, although costs to use them are rising and some are even closing as requirements of the Affordable Care Act kick in.
8. It's Never Too Early to Plan
Your clients are thrilled beyond belief: Their child has graduated from college. The financial obstacles (hopefully) have been surmounted, though many recent grads without wealthy parents will be carrying heavy debt load, and a recent survey showed that a large percentage of those grads worry about their ability to repay their debt.
But there's more work to do. There's always more work to do, isn't there? The new grad needs to start planning for, well, life. It's never too early to take advantage of a 401(k). Kiplinger's offers some tips to get off on the right foot:
- Make sure they know of the tax breaks
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- Determine whether extra money can be invested in a Roth IRA
- They should know there are ways to access money in 401(k)s early, but there are penalties
- New workers need to realize that when changing employers, a 401(k) account can be rolled over. Consolidation makes it easier to keep track of investments over the years.
Check out these related stories on ThinkAdvisor:

subset: commoncrawl


text:
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Developer Reading List: The Must-Have Books for JavaScript, February 12, 2013 The best books for learning the basics, becoming expert, and and writing complete apps in JavaScript
Refining JavaScript Skills
JavaScript Patterns, by Stoyan Stefanov
All language and problem domains have patterns to help implement solutions in a clean, uniform way. This excellent and very readable book points to patterns of implementation that are useful in JavaScript. The author dives into lesser-explored topics, such as currying, to show how it can used beneficially to address one class of problems. On a well-known pattern, callbacks, he explores the pros and cons, the benefits and the disadvantages, the problems of scope, of timeouts, and of using callbacks inside libraries. Unlike other treatments on design and programming patterns, this book is not academic in tone, presents no new nomenclature, and does not promote heavy solutions to light problems. It is emphatically pragmatic, which is why it will benefit almost all intermediate to advanced users of the language.
JavaScript: The Good Parts, by Douglas Crockford
I've included this book because people I respect like it. The marketing material for the title accurately describes it as digging "…through the steaming pile of good intentions and blunders to give you a detailed look at all the genuinely elegant parts of JavaScript…As you move ahead with the subset of JavaScript that this book presents, you'll also sidestep the need to unlearn all the bad parts." Meh, the books already in this list do a fine job explaining what works well in JavaScript and what doesn't. The fact that some of the chapters are essentially short references to material available in most books on the language does little to stimulate my enthusiasm. Crockford, however, is a larger-than-life character in the JavaScript community, so his views on what is good and what is not tend to reach all corners of the community. In this sense, knowing what he thinks has some value, although I doubt it will greatly change your programming style.


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Lebenthal Holdings announced Tuesday that two Wall Street veterans, Frank Campanale and Jeffrey Lane, have been brought on to lead the firm's newly launched Lebenthal Wealth Advisors.
Campanale will be chairman and CEO of Lebenthal Wealth Advisors. A pioneer in the managed accounts business, Campanale was most recently chairman and CEO of First Allied Wealth Management and before that served as president and CEO of Smith Barney Consulting Group.
Lane — who formerly held such high-level positions as CEO of Bear Stearns Asset Management, chairman and CEO of Neuberger Berman and vice chairman of Lehman Brothers — will be board chairman of Lebenthal Holdings.
"The establishment of Lebenthal Wealth Advisors is a natural progression of our firm, founded by my grandparents in 1925, enabling it to leverage our successful brand and proven capital markets and asset management expertise while forging a new model for entrepreneurial financial advisors," said Alexandra Lebenthal, Lebenthal Holdings' CEO and president, in a statement.
"Our goal is simple," added Lane in the same statement. "We want to attract the best independent registered investment advisors and entrepreneurial wealth managers from across the nation by providing them with a culture that empowers them to deliver the best service and unconflicted advice to their clients."
Brought on to expand the company's wealth management and investment advisory business, Lane told The Wall Street Journal that the business, currently at about $500 million in assets, could grow to about $25 billion with about 100 advisors within the next five years.
Lane went on to say in the statement that it was "increasingly clear that advisors and clients are not being effectively served by the choices on Wall Street today and are looking for an alternative. A cornerstone of our business is higher payouts for financial advisors, an open platform to a wide array of products, and participation as partners in the firm's growth and success."
Camapanale added that he and Lane "share a common vision of supporting advisors in every way possible so that they can do what they do best—service their clients.
"Upon meeting the Lebenthal family, it became abundantly evident that they understood that we are in the people business, and I am very proud to be a partner with the Lebenthals and their legendary brand."
Andrew Grillo, a former regional director of Smith Barney, will assume the role of president of Lebenthal Wealth Advisors, while James B. Lebenthal will serve as the chief investment officer and market strategist, and James A. Lebenthal will be chairman emeritus.
Check out First Allied's Campanale on Products to Get Retirement Back on Track: Weekend Interview on ThinkAdvisor.


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Types of Sleep Disorders & What Not to Do If You Are Looking to Get More Sleep
by: Jeff Farley
There are a number of factors that cause sleep to be disrupted. There are also many different types of sleeping disorders, and the causes and the symptoms can vary. Sleep disorders usually occur because of stress and anxiety, sadness, grief, alcohol and caffeine use, and other environmental factors.
Other types of sleeping disorders have to do with your health. If you are suffering from depression, chronic diseases, pain and alcoholism, you are at risk for insomnia. Many when have certain types of sleep disorders because of problems related to menstruation and pregnancy.
There are four types of sleeping disorders. The first is dyssomnia. It occurs when the body's natural resting is interrupted. This can be caused by external factors such as noise and light.
Parasomnia is caused when you have trouble with arousal or sleeping stage changeover. In these instances, bed wetting, grinding of teeth, night terrors, and sleep talking or walking can disturb your sleep. Medical or psychiatric problems are also among the different types of sleeping disorders. They disturb sleep often come from alcoholism, ulcers, asthma and anxiety.
The final entry in our list of the types of sleeping disorders is proposed disorders, which are rest-related disturbances. Some people need to sleep more than others. But if these sleep periods are unusual, then it is a sleeping disorder. This goes for people who do not get enough sleep, and those who get too much sleep.
If you are not getting enough sleep, you need to look for some natural cures. You do not want to rely on sleep medication in order to get more rest. Sleeping pills are highly addictive, and they really are just muscle relaxants. They do not give you the rest you need.
As you can see, there are many types of sleeping disorders. If you are looking to get more sleep, you should go to stopinsomnia.buythingsforless.com. There you will find a number of cures for insomnia that are all natural


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Amos Jones and Andy Brown symbolized the best and the worst of the average American - from their kindness and common sense to their self-importance and susceptibility to the lure of an easy buck. This collection features rare, uncirculated episodes from the team's early years all the way through to the 1950s. Experience the casual intimacy of radio drama and character comedy at their best.
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Episodes Include: The Marriage Counselor 12-17-43; Between Life and Death 03-24-44; The Marriage Proposal Mix Up 11-17-44; Rare Coin 01-16-49; The Birth of Amos and Ruby's Third Child 02-20-49; Dress Rehearsal for 06-03-51 Episode (Green Eyed Monster) 05-20-51; Social Security 10-02-49; Thanksgiving Show 11-13-49; Jobs At Import Export Garage 04-15-51; Brother-in-Law Moves In 04-29-51; The Long-Lost Husband 10-12-52; The Proxy Marriage 05-17-53; The Kingfish's Old Love Letters 05-24-53; The Dog Lover 01-17-54; Amos 'n' Andy Music Hall (with Sara Berner) 01-05-55; Phony Stock 06-04-29; Mr. Taylor Takes the Stand 07-18-29; Amos is a Free Man At Last 07-23-29; Leaving Chicago For New York 08-15-29; Testifying in Breach of Promise Trial (Excerpt) 03-06-31; Kingfish Wants to Open a Hotel (Excerpt) 04-30-32; Gwindell Tells Exactly What He Thinks (Excerpt) 02-22-33; Meeting Walter Huston 08-19-36; Friday Night Minstrel Show (West Coast Version)12-04-36; On The Way to Maine 08-09-37; Andy Interviews Lightning For a Job (Excerpt) 02-01-39; Meeting Grover Whalen 02-27-39; Andy Has Been Kidnapped 06-30-39; Andy and the Kingfish Want to Promote a Showgirl (Excerpt) 07-29-41; Treasury Star Parade Special 03-18-42; The Final Serial Episode (Excerpt) 02-19-43
Note: Some of the rare episodes are of substandard audio quality. They are included here as the only surviving audio from these historic broadcasts.
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Want to get involved in developing SMF, then why not lend a hand on our github!
Simple Machines Community Forum | Powered by SMF 1.0 Alpha.
whoo!! heh, I know some stuff... hmmm... QuoteSimple Machines Community Forum | Powered by SMF 1.0 Alpha.darn... hehehSo will it be upgraded now/later or at all anytime in the near future?
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Thomas gave an awesome performance as Sammy in the movie "North Country"(2005). Watch it on DVD.
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Rising U.S. interest rates and a stronger dollar led to record outflows of commodity exchange-traded products (ETPs) in the second quarter as investors made a swift exit from gold, ETF Securities reported on July 4.
Commodity ETPs saw record outflows as expectations for an early end to Federal Reserve bond buying and a strengthening of the U.S. dollar hit investor sentiment, according to London-based ETF Securities, an ETP provider that specializes in exchange-traded commodities and also has offices in New York, Hong Kong and Sydney.
A sharp decline in the price of gold and large outflows from gold ETPs caused commodity ETP assets to fall to $127 billion, the lowest level since Q2 2010. However, gold ETP outflows peaked this April, and then moderated in both May and June.
"The moderation may indicate that the worst of the gold ETP selling is now behind us," said Nicholas Brooks, head of research and investment strategy at ETF Securities, in a statement. "Gold and silver will likely remain beholden to views on the Fed's intentions and the direction of real interest rates. On both counts, we believe investor reactions have been overdone."
Monthly net outflows from gold ETPs totaled $8.7 billion in April, when bullion plunged into bear market territory, then fell to $6 billion in May and $3.9 billion in June, Brooks told Bloomberg in an interview. Gold dropped 23% in the second quarter, the biggest drop since 1920, according to data compiled by Bloomberg.
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"The outlook for most commodity flows and prices will likely turn on perceptions of whether the recent liquidity squeeze and growth scare in China is temporary or the start of a larger trend," Brooks noted in an ETF Securities release.
Last month, the People's Bank of China turned off the spigot on easy money in an attempt to curtail China's explosive credit growth. Total credit in China has grown to $23 trillion, growing at a year-over-over rate of 20%, with credit to GDP levels now at 200%.
On Monday, ETF Securities reported that China and central banks have stepped up gold buying, with bargain hunters increasing purchases.
"Forward guidance by the European Central Bank and the Bank of England made it clear that they don't foresee tightening monetary conditions any time soon," wrote Brooks and associate Nitesh Shah. "This helped push up the U.S. dollar, which further weighed on precious metals performance. Earlier in the week, the Chinese push to ease the liquidity crunch in China's interbank market is helping allay fears of a sharp slowdown in China's growth."
While rising rates and a strong dollar have been negative for gold price performance, central banks and Chinese consumers appear to view the price weakness as a buying opportunity, say the ETF Securities researchers.
Read Why Axel Merk Owns Gold at AdvisorOne.
For direct insights on the role of ETFs in client portfolios from multiple experts—including Rick Ferri, Ron Delegge, Skip Schweiss and more—we invite you to register for AdvisorOne's premiere advisorcentric Virtual ETF Summit, which starts July 23 (and get multiple hours of CFP Board CE).


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Edited by aloha_spirit, 10 March 2010 - 10:47 PM.


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LPL Financial (LPLA) said Wednesday that its fourth-quarter earnings declined to $36.9 million, or $0.34 a share, from $39.5 million, or $0.35 a share, a year earlier. Earnings improved to $0.50 per share, though, when one-time charges and other items are excluded.
Equity analysts had estimated that the independent broker-dealer would have produce earnings of $0.48.
Net revenue improved about 14% to $944.2 million from $828.7 million a year ago. This beat analysts' 4Q'12 expectations of $918.2 million.
"We feel good about the results of the fourth quarter, given the uncertainty of the economy and political environment," said LPL CFO Dan Arnold (left), in an interview with AdvisorOne. "We are also proud with … the core revenue growth given the tough conditions and are excited to be continuing that trajectory in 2013."
Outsourcing Moves
In its earnings release, LPL Financial said that it is planning to spend $70 million to $75 million through 2014 on outsourcing of back-office and other functions, information technology and related restructuring of its operations. By 2015, the company expects to save about $30 million to $35 million a year as a result of these steps.
The measures, which are part of the Service Value Commitment program, cost LPL $11 million in the second half of 2012. It says it should spend $6 million to $8 million on these measures in the first quarter of 2013 and about $39 million to $42 million for full year, when it should recognize about $6 million in total savings.
Advisor Headcount
LPL said that as of Dec. 31, it had 13,352 affiliated independent advisors. This is an increase of 182 from Sept. 30 and 505 from a year ago.
Client assets in fee-based advisory programs rose 20% year over year to $122.1 billion in the fourth quarter, while overall client assets at the brokerage rose 13% to $373.3 billion. Commission revenue jumped 15.6% from a year earlier.
These results were achieved thanks to "the continued attractiveness of the independent model and LPL's market-leading solutions," said Arnold.
The hybrid-RIA platform, he noted, helped draw new reps to LPL and boosted assets in this channel 80% year over year in the fourth quarter. This segment represents about 20% of the newly recruited FAs in 2012—or 101 advisors.
In terms of recruiting in 2013, "The underlying activity and pace is similar to last year," Arnold said. "The pipeline is strong, and we expect the hybrid [results] to be as strong or stronger than last year."
The company will continue to consider acquisitions in the wealth-management arena, he adds, though it will not be moving into the high-net-worth segment any time soon.
"Strategically, our focus is on other segments in the marketplace," the CFO said. "The ultrahigh-net-worth segment is a unique offering with different economies of scale."
Check out AdvisorOne's Q4 Earnings Calendar.


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KVOA has dominated the local news scene for years now. Competitors have tried every trick in the book: pretty anchors, urgent camera angles, a helicopter and even improved reporting, all to no avail. Perhaps the secret is that the KVOA news staff has the highest proportion of Tucson natives/UA graduates in its employ than any other station. Folks like Elizabeth Vall, Eric Rhodes, Gina Corral and Sally Shamrell boast the kind of Southern Arizona credentials you need to start working on at birth. Stalwarts like Patty Weiss, Martha Vasquez and Lupita Murillo have been in our homes for decades now and have earned our trust. Weatherman Jimmy Stewart gets synergy from his
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A Parrish man whose home was raided for the marijuana plants he cultivated to help treat his wife's disease said he has turned down a plea bargain proffered by the state.
Robert Jordan, who grows marijuana to help treat Cathy Jordan's Lou Gehrig's disease, said he refused the state's plea deal because it required him to give up his right to a fair trial or stop cultivating the plant.
The State Attorney's Office and Jordan's attorney have negotiated for weeks about possible charges against Jordan. Jordan said potential charges are "still up in the air" as the talks continue, but he expects he will be charged soon.
"They'll probably bring charges on me (this) week," Jordan said. "They offered me a plea deal and I turned it down."
Jordan said the plant is the only substance that relieves the depression, lost appetite and muscle spasms that plague his wife. Most patients with Lou Gehrig's disease die after three to five years, muscle failure causing them to choke or suffocate; medicating with cannabis, Cathy Jordan, 62, has miraculously survived more than 20 years beyond her doctors original predictions.
"I can't stop doing what I'm doing and let my wife die," Jordan, 64, said. "They only thing I can see is to throw myself on the mercy of the court."
While the Florida state legislature has never made a law permitting medicinal use of cannabis, with a bill named for Cathy Jordan this session becoming the first medical marijuana measure proposed in years, the courts have made exceptions in certain medical cases.
In 1988, a Broward County judge ordered that Elvy Musikka was not guilty for using and cultivating marijuana based on "medical necessity." With doctors and evidence to back her up, the judge ordered that she be allowed to continue the treatment, which had prevented glaucoma from taking the sight of remaining her eye.
Musikka's case set the precedent for the defense, with a few later cases supporting the decision. Still, the defense is rarely heard in court and relatively unknown even among attorneys.
"Certainly, the more often the medical defense is applied and succeeds, the more legitimacy it gives to medical marijuana," said Karen Goldstein, the director of NORML of Florida, which advocates for marijuana reform. "The problem is a lot of attorneys don't know the defense exists in Florida and a lot of judges don't want to hear it."
'A political quagmire'
Robert Jordan said for him, it is the only defense he has -- he does not believe it was wrong, but he did grow the plants. Yet he said prosecutors don't want to let him go and potentially open the door for claims of medicinal use.
Brian Iten, the assistant state attorney reviewing the case, said his office is considering materials submitted by Jordan's attorney, but charges are still pending.
Jordan's attorney, Michael Minardi, said he has applied the defense in several other cases for ailing patients who turned to marijuana after other drugs did not work or left them with debilitating side effects.
He said prosecutors have "complete discretion" to press charges or not. In cases that have made it to court with a medical defense, several have had charges dismissed or substantially reduced.
One of the troubles Minardi faces is bringing in doctors from other states: he has not found a doctor in Florida willing to testify about medical marijuana, many fearing repercussions on their medical licenses.
"It's a political quagmire that we're in, that we like to punish our citizens for something that is benign," Minardi said. "People's lives are more damaged by being arrested and charged for using it."
Minardi and a man he helped defend have started I'm a Patient Not a Criminal, a nonprofit group that aims to raise awareness and aid people turning to cannabis for treatment.
Goldstein, of Florida's NORML chapter, said "no jury in the world" would convict Cathy Jordan, an outspoken supporter of medical marijuana while wheelchair-bound and needing constant care.
The same defense should apply to Robert Jordan, she said.
A Parrish man whose home was raided for the marijuana plants he cultivated to help treat his wife's disease said he has turned down a plea bargain proffered by the state.


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But, since my alert reader Stephanie brought this to my attention, I thought I should share it with all of you (I should be above such juvenile humor, but I'm not). I suspect this group is known in local circles, but...
Anyway, this is a Urology group in Texas, whose members include Dr. Wang, Dr. Hardemann, and (of course) Dr. Dick Chopp.
Sorry, Drs. Wang, Hardemann, and Chopp, but I'm sure you guys hear the jokes all the time. Plus, there's no such thing as bad publicity!
For those of you who don't believe me, here's their website.
And a great big Dr. Grumpy thank you to Stephanie!


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The District require that school personnel take immediate steps to intervene when it is safe to do so and when he or she witnesses an act of discrimination, harassment, intimidation, or bullying.


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Nothing sets friends and family at each others' throats more than an old-fashioned fight over money. Make it a dispute over a will and the fun really begins.
The emotions that bubble up in estate disputes are understandably raw. Make it about the property of a famous person and it can get really crazy. A minor celebrity (see Gary Coleman) with pennies to his name can generate a court battle worthy of a billionaire (see Howard Hughes).
And some estate battles are so classically obvious—old rich man, vivacious model, jilted family—they end up as textbook cases, literally. Playboy Playmate Anna Nicole Smith's battle to keep the fortune of her late husband, Texas oil tycoon J. Howard Marshall II, ended up gracing the pages of the widely used textbook "Wills, Trusts and Estates."
And that wasn't the end of Smith's unlikely influence on law students. After she died in 2007, her poorly drafted will and the court dispute over her body served as teachable moments for law professors as well.
Here are 8 Big Estate Battles of the Rich and Famous:
8. Gary Coleman
Worth: Modest home (with mortgage) and royalties
Winners: Anna Gray
Losers: Shannon Price, ex-wife
Sometimes it doesn't take a large estate to spur a battle. Such was the case of Gary Coleman, the diminutive actor best known for his star turn on the '70s sitcom "Diffr'nt Strokes." After years of being in the news mostly for health and legal problems, Coleman died in 2010. He was just 42. Then the battle began.
According to an account on Forbes.com, Coleman had left three wills, the last of which was a handwritten codicil bequeathing everything to his wife, Shannon Price. "Everything" was a home that still carried a mortgage, occasional royalties from his acting career and his ashes. The problem was, Coleman and Price had divorced, even appearing on "Divorce Court." Still, Price claimed they had a common-law marriage. A judge disagreed, saying the marriage had ended. One of the stranger estate battles in Hollywood history ended with Coleman's former business partner, Gray, taking the spoils.
7. James Brown
Worth: $50 million
Winners: To Be Determined
Losers: To Be Determined
When the Godfather of Soul died of a heart attack at 73 in 2006, he left his estate to charities that seek to educate disadvantaged youths. The directive seemed pretty clear, but it didn't sit well with his widow, Tomi Rae Hynie, or his adult children. According to Forbes.com, the widow may not have been technically married to Brown (she was married to another when they got hitched) and there were questions about whether he was really the father of at least one of his nine children.
In 2009, the South Carolina attorney general announced that a settlement had been reached: the widow and the children would split half the money with the rest going to charity. Alas, the deal did not pass court muster this February when a court ruled it violated Brown's will. For now, the estate sits in limbo.
6. Thomas Kinkade
Worth: $66 million
Winners: Amy Pinto, girlfriend
Losers: Nanette Kinkade, estranged wife
Artist Thomas Kinkade built his fortune by making people smile and feel good when they gazed upon his soothing country scenes. The "Painter of Light" left a more complicated situation behind when he died in April 2012 at 54. Pinto, who became involved with Kinkade after his marriage broke up, claimed she had two notes written by Kinkade directing that she receive his mansion as well as $10 million designated for a museum of his artwork. Kinkade's wife disputed the claim. Somehow, the women managed to avoid a long, drawn-out drama and reached a settlement before the end of 2012. The details are secret.
5. Jimi Hendrix
Worth: $80 million
Winners: Janie, Jimi Hendrix's stepsister
Losers: Leon, Jimi's brother, and his children
Jim Hendrix ruled the rock world when he died in 1970 at age 27, but multiple battles over his estate have left it in a haze to this day. His father, Al, who had served as Jimi's manager, battled record companies and other music industry entities for the rights to his songs and merchandising. He won out and everything was settled until Al died in 2002. Then the rancor began. The estate by then was worth $80 million.
The bulk of it was left to Al's adopted daughter Janie. Al's other son by Jimi's mother, Leon, and Leon's children sued, saying Janie had influenced Al to leave them out of his last will. After a three-month trial, a judge ruled Janie had not unduly influenced Al and that Leon's history of drug use was reason enough for Al not to have trusted him with the estate.
4. John Seward Johnson I
Worth: $400 million
Winners: Barbara Piasecka, third wife
Losers: Depends on how you look at it.
When one of the sons of Johnson & Johnson founder Robert Wood Johnson died in 1983, his children were more than a little miffed at the terms of his will. You see, J. Seward Johnson I left nearly all of his money to his third wife, a Polish farmer's daughter who was 42 years younger and had once been his maid. Johnson's six children contested the will, claiming their father was incompetent and pressured into making the bequest.
In the end, the children were awarded $6 million each. John Seward Johnson Jr. was granted an extra $7 million as head of the oceanographic institute founded by senior. The kids were already millionaires through trust funds, but Junior told The New York Times that the will was a family embarrassment. In the end, Barbara, who died last April at 76, kept most of the money and the kids were left with a $25 million legal bill.
3. J. Howard Marshall II
Worth: $1.6 billion
Winners: E. Pierce Marshall (so far)
Losers: Anna Nicole Smith, J. Howard Marshall III
J. Howard Marshall II wasn't a household name in life (he made most of his fortune in oil and by investing in Koch Industries), but thanks to a wild, drawn-out (is there any other kind?) lawsuit over his will involving former Playboy Playmate Anna Nicole Smith (his wife and 62 years his junior) and his namesake son versus his stepson, he became well-known after his death in 1995.
The battle over the estate boiled down to this: Smith and the namesake son were left out of the will, while the stepson was left everything. After years of battles in the court, an aspect of the case reached the U.S. Supreme Court. Alas, Smith's efforts were rebuffed. Smith and J. Howard Marshall III have since died, but the U.S. Circuit Court still has not made a final ruling in the case.
2. Howard Hughes
Worth: $2.5 billion
Winners: 22 cousins
Losers: Two ex-wives, a gas station owner, executives who worked for Hughes, among others
Howard Hughes was famous for many things. He was a pioneer in aviation. He made movies, perhaps most famously with Jane Russell. He piloted TWA. He had run-ins with U.S. senators. And at the end he was an eccentric recluse and the butt of late-night jokes on TV.
When he died in 1976 and no verified will was found, the headlines grew bigger. There was the handwritten document found on the desk of a Mormon Church official. That "will" left, among other bequests, $156 million to Melvin Dummars, a gas station owner whose account of giving Hughes a ride when he was stranded in the desert was used as the basis for the 1980 movie "Melvin and Howard." It was another three years before the estate was settled by the courts, dividing the fortune among 22 cousins. In 1984, actress Terry Moore settled with the estate over her purported 1949 marriage to Hughes. She said the couple had never divorced. The sum she received was undisclosed.
1. Leona Helmsley
Worth: $4 billion ($12 million contested)
Winners: Two grandchildren, charities
Losers: Trouble, her pet Maltese
When she died in 2007, Leona Helmsley left most of her fortune to charity, but it was a relatively small bequest that had everyone talking. Trouble, Helmsely's apparently aptly named Maltese, received $12 million. She specifically left two of her grandchildren out of her will saying they knew the reasons, while two others only received money from a trust only if they visited their grandfather's grave each calendar year.
The public outcry was enormous, even bringing death threats against poor Trouble, whose annual security bill was said to reach $100,000. In the end, Trouble's inheritance was reduced to $2 million and a judge ruled the left-out grandkids would each receive $6 million.
Check out these related stories on AdvisorOne:


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Ayvada Surname Ancestry Results
Our indexes 1000-1999 include entries for the spelling 'ayvada'. In the period you have requested, we have the following 1 record (displaying 1 to 1):
Try these...
aythropp ayton ayton-lee aytonale aytone aytoun aytoune aytour aytown aytrop aytropi aytt aytton ayub ayudeleye ayulf ayulo ayundel ayung ayuso ayvela ayvile ayvill ayvill' ayville ayward ayward' aywer aywicher aywilla ayworth ayxton ayyangar ayyanna ayyappan ayyar ayyfield ayylmere ayyoub ayyub
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Research your ancestry, family history, genealogy and one-name study by direct access to original records and archives indexed by surname.


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The implementation of equity crowdfunding, a way for small businesses to raise capital, has been delayed again.
In my column last week, I said that the rules for launching the JOBS Act, which legalizes equity crowdfunding, would probably be finalized by this spring. That is not likely now.
According to David Marlett, founder of the National Crowdfunding Association, "Now we are hoping for by end of 2013."
The trade association's website, nlcfa.org, says that it is both an opportunity and a risk for investors to "invest money into or loan money to small entrepreneurial companies."
The U.S. Securities and Exchange Commission is trying to minimize the risk as they wrestle with perfecting the rules.
In a worst-case scenario, I can envision a dishonest small-business person legally complying with the law and selling $1 million worth of unregistered stock in his fledgling company. Then he spends the money by paying himself a salary and whiling away his days playing Grand Theft Auto on his new business laptop at Siesta Beach.
The SEC wants to write crowdfunding rules to protect investors from that happening. At the same time, it doesn't want to make the rules too cumbersome and expensive that they deter small-business owners from participating in the program.
Mike Marshall, an Atlanta-based lawyer with Miller & Martin, says the JOBS Act's objectives are to "balance need to facilitate capital formation against investor protection." Thus the rule-makers want to simplify the process for entrepreneurs to market their stock through licensed crowdfunding portals that will protect investors.
To further protect investors, the JOBS Act limits how much stock an investor can purchase per year.
"The crowdfunding legislation says that investors with annual income and net worth below $100,000," Marshall says, will have their stock purchase limited to "the higher of $2,000, 5 percent of income, or 5 percent of net worth." So if the business fails, the investor's loss is limited.
The act permits wealthier individuals to take more risk. Accordingly, for investors with "annual income and net worth above $100,000, then the limit is the higher of 10 percent of income or 10 percent of net worth, up to a cap of $100,000."
Marshall says that if a small business issues $100,000 of stock or less, it will be required to disclose its tax returns and financial statements. The owner will certify that the documents are true and correct. For a $100,000 to $500,000 stock issue, the financial statements will be reviewed by an independent accountant. A $500,000 to $1 million issue will require audited financial statements.
Basic information such as the company's legal status, physical and web address, and the names of directors and officers will be required. The purpose of the offering and intended use of its proceeds will also be explained. Promotional material, such as videos and brochures, are only permitted to be disseminated from the licensed portals.
The crowdfunding portals are tasked with posting the required documents and promotional material and letting investors know about the inherent risk associated with investing in a small business through crowdfunding. The Financial Industry Regulatory Authority is writing the rules to license them.
Jerry Chautin is a local volunteer business counselor with Manasota SCORE, Counselors to America's Small Business. Send business questions and stories to him at firstname.lastname@example.com and follow him on Twitter.com/JerryChautin.
Crowdfunding hopefuls still waiting for rules
The implementation of equity crowdfunding, a way for small businesses to raise capital, has been delayed again.


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CraftKitsandSupplies carries a large selection of Craft Pom Poms. Craft Pom Poms come in several different sizes and assorted colors. These soft and fluffy pom poms are ideal many craft projects. Pom Poms are for kids 7 years and older.
We also carry a complete line of Beads, Birdhouse Kits, Christmas Crafts, Craft Supplies, Kids Crafts, Misc Crafts, Wood Craft Kits, and much more.


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Act V, Scene 3
The Council-Chamber.
[Enter Chancellor; places himself at the upper end] [p]of the table on the left hand; a seat being left [p]void above him, as for CRANMER's seat. SUFFOLK, [p]NORFOLK, SURREY, Chamberlain, GARDINER, seat [p]themselves in order on each side. CROMWELL at [p]lower end, as secretary. Keeper at the door]
[CRANMER enters and approaches the council-table]
[Enter KING, frowning on them; takes his seat]
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Oracle has implemented NoSQL interfaces to the MySQL database and MySQL Cluster. They bypass the SQL layer completely. Without SQL parsing and optimization, data can be written directly to MySQL tables up to nine-times faster, while maintaining ACID guarantees. Moreover, users can still run complex SQL queries across the same data set. In this article, we examine how to implement NoSQL with MySQL 5.6, and give a quick overview of how NoSQL is implemented in MySQL Cluster.
Memcached API with InnoDB
MySQL 5.6 provides simple, direct, key-value interaction with InnoDB data via the familiar Memcached API. Memcached is used by many large Web properties, typically as a key-value pair data caching layer. The API is implemented via a new Memcached daemon plug-in to mysqld. The new Memcached protocol is then mapped directly to the native InnoDB API. This design enables developers to use existing Memcached clients to bypass the expense of SQL and go directly to InnoDB data for lookups and transactionally guaranteed updates. The API makes it possible to re-use standard Memcached libraries and clients, while extending Memcached functionality by integrating a persistent, crash-safe, transactional database back-end. The implementation is shown in Figure 1.
Figure 1: The implementation.
Working example of using Memcached API for InnoDB
An example of a common use case is storing simple user-session data (which can then subsequently be the target of complex SQL-based analytics). Let's walk through an example together:
To begin using the Memcached interface, you will need to take the following steps:
- Load the Memcached plugin at startup time by adding this option to your my.cnf file:
plugin-load = daemon_memcached=libmemcached.so
You can also load it at runtime this way:
mysql> install plugin daemon_memcached soname "libmemcached.so";
- Load the Memcached-specific system schema, where the custom storage mappings between InnoDB and Memcached, along with some behavior configuration, are defined:
mysql> source /usr/share/mysql/innodb_memcached_config.sql
- Define your custom data storage mapping:
First, I created a table to store user session key-value pairs (the key will be stored in the
id_name fieldin the
mysql> create database myapp;
mysql> create table myapp.user_session_data (id_name varchar(255), value varchar(255), expiretime int, primary key (id_name));
Next, set it up as a valid Memcached container and define the mapping between Memcached and InnoDB:
insert into innodb_memcache.containers values ("sessions", "myapp", "user_session_data", "id_name", "value", 0, 0, "expiretime", "PRIMARY");
- Test it out from the command-line (the parameters/format for the raw telnet interface are
"<key> <flags> <expiretime> <bytes>"followed by the
shell> telnet 127.0.0.1 11211
Trying 127.0.0.1...
Connected to 127.0.0.1.
Escape character is '^]'.
set @@sessions.1|color 0 600 7
set @@sessions.1|size 0 600 7
Now we can see the data persisted within our InnoDB table:
mysql> select * from myapp.user_session_data;
| id_name | value | expiretime |
| 1|color | black | 1389816198 |
| 1|size | large | 1389816211 |
2 rows in set (0.00 sec)
Again, we're using
"<user id>|<key>"for the unique key in our key-value pairs. In the first example, the user/session ID is
1, the key is
color, and the value is
Note that there is no auto expiration of data based on the expiration time captured via Memcached. In this case, if we wanted that, we would need to enforce the expiration of this data manually by scheduling this query:
mysql> delete from myapp.user_session_data where unix_timestamp(now()) >= expiretime;
- Incorporate the new methods into your application. I'll use Java for my example here (I'll also be using Google's memcached client for Java, spymemcached):
import java.net.InetSocketAddress; import java.util.HashMap; import net.spy.memcached.MemcachedClient; public class MemcachedTest{ public static void main( String[] args ){ MemcachedClient mc = null; int id = 2; String mysqlMemcachedMappingName = "@@sessions."; try{ mc = new MemcachedClient( new InetSocketAddress( "127.0.0.1", 11211 ) ); mc.set( mysqlMemcachedMappingName + id + "|color", 3600, "red" ); String gColor = (String) mc.get( mysqlMemcachedMappingName + id + "|color" ); System.out.println( "Color: " + gColor ); mc.shutdown(); } catch (Exception e) { System.err.println( "Error: " + e.toString() ); } finally { mc = null; } } }
- Test the new application:
shell> java MemcachedTest
2014-02-03 15:36:13.038 INFO net.spy.memcached.MemcachedConnection: Added {QA sa=/127.0.0.1:11211, #Rops=0, #Wops=0, #iq=0, topRop=null, topWop=null, toWrite=0, interested=0} to connect queue
2014-02-03 15:36:13.041 INFO net.spy.memcached.MemcachedConnection: Connection state changed for [email protected]
Color: red
2014-02-03 15:36:13.109 INFO net.spy.memcached.MemcachedConnection: Shut down memcached client
And now we can see the data persisted in the InnoDB table:
mysql> select * from myapp.user_session_data where id_name = "2|color";
| id_name | value | expiretime |
| 2|color | red | 1391463373 |
1 row in set (0.00 sec)
Performance for InnoDB Memcached API
To understand the performance comparison for storing this session data, see Figure 2, which shows the results of an insert benchmark run by Oracle (on an 8-core Intel server with 16GB of RAM, running Oracle Linux).
Figure 2: NoSQL inserts can be as much as 9x faster than using SQL.
Not only do developers and DBAs obtain increased performance and flexibility, they also reduce complexity. They can compress previously separate caching and database layers into a single data management tier, as well as eliminate the overhead of maintaining cache consistency.


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Tinea capitis is a skin infection that affects the scalp.
|Ringworm of the Scalp
|Copyright © Nucleus Medical Media, Inc.
Tinea capitis is caused by a type of fungus called a dermatophyte. The fungi thrive in warm, humid environments.
Risk Factors
Tinea capitis usually affects children under the age of 10 years, and those of African descent. Other factors that may increase your child's chances of tinea capitis:
- Stays in daycare centers
- Exposure to pets with the infection
- Poor hygiene
- Sharing combs, brushes, or hats
- Diabetes
- Immune system disorders, such as HIV infection
Tinea capitis may cause:
- Itching of the scalp (not always present)
- Bald patches
- Areas of swelling, redness, scales, sores, or irritated skin
If left untreated, tinea capitis may cause permanent hair loss and scarring.
Your doctor will ask about your child's symptoms and medical history. A physical exam will be done. Your child may need to be referred to a dermatologist, a specialist who focuses on skin issues.
The diagnosis is often made with close inspection of the scalp. If the diagnosis is uncertain, the doctor may scrape your child's scalp or clip a few hairs for testing.
Tests on the sample may include:
- Microscopic examination
- Fungal culture
The main treatment for tinea capitis is prescription antifungal medications. The condition can be difficult to treat. In some cases, tinea capitis can return after treatment. For some children, the condition goes away during puberty.
Using an antifungal shampoo may help to reduce the risk of spreading the condition to others.
To help reduce your child's chances of tinea capitis:
- Shampoo your child's hair regularly.
- Do not allow your child to share headgear, brushes, or combs.
- Wash towels, clothes, and any shared items used by an infected person to prevent spreading it to others in the household.
- Take your pets to the veterinarian for treatment if they develop skin rashes.
American Academy of Dermatology https://www.aad.org
Centers for Disease Control and Prevention https://www.cdc.gov
Canadian Dermatology Association https://dermatology.ca
Dermatologists http://dermatologists.ca
Ely JW, Rosenfeld S Stone MS. Diagnosis and management of tinea infections. Am Fam Physician. 2014;90(10):702-711.
Tinea capitis. EBSCO DynaMed Plus website. Available at: https://www.dynamed.com/topics/dmp~AN~T116543/Tinea-capitis . Updated August 26, 2016. Accessed December 5, 2017.
Revision Information
- Reviewer: EBSCO Medical Review Board David L. Horn, MD, FACP
- Review Date: 11/2018
- Update Date: 12/20/2014