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Leisure-Quip 750ml Stainless Steel Tumbler
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Houston-based Salient Partners is doing some cool things in the alternative space, and Lee Partridge, the firm's chief investment officer, is more than happy to tell you about them. But first, Partridge provides some context.
"We see three big trends over the next 10 years which we're positioned well to capitalize on," he says. "The first is that we're still in a deleveraging economic environment, and ultimately we will have to reduce deficit spending."
In the short term, he expects the European Central Bank, the Central Bank of Japan and the Federal Reserve will keep rates low for as long as possible to absorb the deleveraging.
"The second theme is the run-up in energy production in North America," Partridge explains. "Production is now up 30% from where it was in 2010 and we're still three years from catching up with supply to meet demand."
The third and final trend is the demographics of developing nations, specifically workers and retirement.
"What's happening in developed nations is the opposite of what's happening in emerging nations, and the latter is sitting on a strong supply of natural resources."
So how is the firm taking advantage?
In energy, Salient's platform creates "diversified return streams," specifically in the (what else?) mid-stream MLP market. The firm also offers trend-following and risk parity strategies, the former of which he claims is "one of the best diversifiers to traditional portfolios."
As to the latter, Partridge points to a recent white paper the firm produced titled, "Risk Parity in a Rising Rates Regime."
"There are entirely sensible reasons to have long-term concerns about bonds in light of current interest rate levels, and given the historical tendency of risk parity strategies to have large positions in bonds, the concern for risk parity in a rising rates regime is understandable," the white paper concludes. "Evidence from the last rising rate environment indicates, however, that critics of risk parity potentially understate the potentially diversifying influence of commodities in these periods, the responsiveness of risk parity strategies to changes in asset volatility and the dynamic incorporation of changing correlations in many risk parity implementations."
Um … what does it all mean?
"From our analysis of a typical portfolio in the 1970s (the last period of sustained rising interest rates), we found that adding momentum to risk parity improved performance to where it dominated a traditional 60/40 portfolio."
Partridge notes two other strategies the firm is using to capitalize on the three trends, strategies that thankfully don't require quite as much explanation.
"Our alternative beta is negatively correlated to equities, so when they're down the alternative beta performs very well. And it's much cheaper than tail-risk insurance. Finally, our global equity fund is there to specifically take advantage of what we talked about in emerging markets."

subset: commoncrawl


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Bad Elster is a veritable fountain of youth with its three potable springs. For more than 160 years, people have been coming to this beautiful, scenic resort for their health.
The idyllic, state-approved spa resort of Bad Elster, one of the first places in Germany to harness the benefits of mineral-rich mud, enjoys a location in the scenic Vogtland region. Health treatments involving drinking and bathing in spring water focus on the Moritzquelle and the Marienquelle springs, which are close to Badeplatz square. The Moritzquelle spring was referred to as the 'Elstersäuerling' as early as 1531 and is, as such, the oldest spring in the resort.
Historic architecture
The town's ensemble of spa buildings is typical of the grand architectural style popular in late-19th century Germany. The Royal Kurhaus and the King Albert Spa are particularly exquisite. Built between 1888 and 1890, the two-storey Kurhaus is flanked by two pavilions. This magnificent example of neo-Renaissance architecture invites comparison with Italian Renaissance palaces. The King Albert Spa is an elegant art nouveau affair which offers no end of mineral baths, jet baths and drinking cures. From here you can walk to the temple of Flora, whose statue of the goddess of springtime and flowers complements the gardens around the boating lake.
Interesting surroundings
Bad Elster is also an ideal base for excursions to the surrounding area. Discover the Saxon Silver Mines Route – Europe's largest open-air museum – or take a trip to Plohn theme park, a great family attraction with a log flume, saloon and Wild West train. Further adventures can be found at Saxony's only natural dripstone cave, tucked away in the Vogtland hills.
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Dome Security Cameras for Colchester, IL
MTC Communications offers a comprehensive selection of high-quality dome security cameras to keep an eye on your home or business in Colchester, IL. Our easy-to-install dome cameras are ideal for monitoring hallways and entryways, as well as driveways, walkways and other high-traffic areas. Our indoor and outdoor analog and network IP dome cameras are equipped with a wide range of features and capabilities to meet your specific surveillance application-from monitoring schools, hospitals and financial institutions, to surveillance for multi-unit homes and small to large enterprises. Some of our outdoor dome cameras have at least an IP66 weather rating, offering protection from particles such as dust, as well as harsh weather conditions. We also carry high-resolution IR dome cameras that capture sharp images at night and vandal-resistant domes that provide protection against impact from vandals. Need assistance? Our security experts can help. Call us at 309-575-3211!


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Jolt Awards: The Best Books, September 18, 2012 Six notable books that every serious programmer should read.
Jolt Finalist: How Google Tests Software
by James Whittaker, Jason Arbon, and Jeff Carollo
This book contains a detailed description of the hierarchy of testing personnel at Google, and the responsibilities of the testers and test managers at the different levels. As such, it focuses little on the tools although they are at times discussed in more than superficial detail, their use is rarely the point, but mostly on the interactions between the testers, their managers, the developers, and, of course, with the system under test.
The book touches on various themes, without picking one to follow exclusively: a presentation and explanation of how Google tests various products, as the title would imply, and a friendly set of interviews with staff about testing.
The material on how Google runs its tests is illuminating. The overall perception you get is that testing at Google is not significantly different from at other large companies. The notable exception is that Google is more likely to write its own testing tools. Only in a few areas does the company depend on commercial, third-party products. Its internal processes reveal not so much a "view" of how testing should be done or even a great commitment to rigor, but an evolution of various techniques that have worked in the past and been adopted then adapted for current projects. Occasionally, these practices are insightful. For example, Google classifies all tests as small, medium, large, or enormous. The criterion that defines the categories is the duration of the test: There are expected averages and maxima in place. In many ways, I like this approach. It does away with the concepts of unit tests, integration tests, system tests, and UATs, and instead classifies tests in ways that make it possible to determine easily which regression run can be executed at any given moment.
If you want to meander down Google's testing halls and absorb bits of knowledge and advice from the denizens there, this book is for you.
— Andrew Binstock


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Welcome back to The Bachelor—where Sean is sorting the remaining six women into two piles: Wife and Not Wife. With hometown dates looming, the women are all rushing to prove their Wife-worthiness by showing Sean their vulnerabilities and their strengths (and laughing all the way lest Sean think they aren't "fun.") Sean has brought the women to St. Croix for the swimsuit portion of the competition and rumor has it, his sister is coming down to assess the assets.
Here's what happened on The Bachelor this week:
Cue Deck Chairs On The Titanic Joke: While the rest of the women settle into their new life in St. Croix, Tierra is re-arranging the furniture in the suite in order to sleep on a cot in the hallway, away from the other women.
(MORE: The Bachelor Watch: Northern Exposure Almost Does Tierra In)
First Date: Sean invites Ashlee out for the first one-on-one date in St. Croix. She's wearing a mis-matched bikini, which distracts from her tear-filled and heartfelt interview about how Sean has helped her process her abandonment issues that stem from how her parents, you know, abandoned her. Ashlee says she's so happy to finally have someone to share her deepest secrets with and open up to. She's talking about the camera, of course.
Sour Grapes: Tierra hasn't come to the acceptance stage of the process of realizing that the producers are forcing Sean to keep her around because the show needs a villain. So when Ashlee, who is all of 32, gets the date, Tierra can't help but sing, "The cougar's back in town, the cougar's back in town." The tune won't be heading to the top of the pop charts any time soon, but does get its point across.
Least Shocking Reveal: Ashlee is falling head over heels for Sean. She claims she goes to sleep thinking about him and their future together. He is her future husband. He gives her chills, I guess that's what the kids are calling it these days.
Second Date: Tierra finally gets a date card, because otherwise it would be too obvious that the producers were deus ex machina-ing the whole thing. Instead of cheering, Tierra whines that her makeup will melt off in the St. Croix heat. That would make great television.
The Big Reveal: Ashlee is not a virgin. Because she was married when she was 17! She tells Sean the news as gently as she can, but Sean breaks it down: You were a married high-school junior? Ashlee assures him that she knew marrying her high-school boyfriend was a mistake—and that's why they broke up before senior prom.
(MORE: The Walking Dead Watch: The Governor 2.0)
The Bachelor Milestone Reached: After Sean deems her not ruined by a one-year high school marriage, Ashlee stands on a chair and shouts to the stars, "I love Sean!" She swears she's not going to stop telling him that …until she is cut from the show in favor of someone who knows how to match a bikini top and bottom.
Smartest Move: To get through his date with Tierra, Sean starts with an alcoholic drink, all the better for pointing and laughing when Tierra's makeup melts off. Then he takes her shopping ("Sean knows me so well!") and dancing ("I love to dance!"). Despite the fact that Sean knows her so well, he boldly asks her if she would do things differntly in the house with the other girls. She boldly says no, arrogantly adding, "These girls won't be here for much longer." Then she tells him she's falling for him.
Crown Him King Solomon: Sean has decided that he believes that Tierra isn't nice to the other women, but he doesn't care.
Group Date: Sean decides to kick off his date with Desiree, Catherine and Lindsay by breaking into their house and taking photos of them while they sleep, which is never not creepy. Sean giggles that girls hate being seen without makeup, the women giggle that Sean thinks it's still the '60s.
Apocalypse Now: Desiree loves the smell of roses in the morning. She announces, "Today is a good day to get a rose," and then takes the lead on the date much to the chagrin of Catherine and Lindsay. The quartet makes a road trip all the way across St. Croix, which sounds impressive until you realize the island is less than 30 miles long.
Whatever It Takes: The girls are all angling for the date rose, which will ensure a visit to their hometown. Lindsay makes her pitch "fun," "I like everything about this! It's crazy!" Catherine goes deep, sharing about her father's depression and suicide attempt. Sean manages to mutter, "Thank you," while not sounding grateful at all. Desiree comes up with tears. So who gets the rose? Lindsay, the one who met Sean while wearing a wedding dress.
Second One-On-One Date: Sean likes Lesley, but their relationship is not where it should be. He hopes a picnic will fix that. Lesley wants to tell Sean that she is falling in love with him, but, basically, doesn't want to look dumb on national television. Her intelligence is showing, which, sadly, does not bode well for her future on the show.
Good Advice: Sean's sister arrives and reminds him of her one piece of advice: Don't end up with the girl that no one likes. It takes him two minutes to realize she's talking about Tierra.
The Fight: Tierra figures out that Ashlee "literally" threw her under the bus with Sean and decides to have it out with her. The resulting fight was ten of the best minutes of The Bachelor ever, including the following highlights:
Best Line Ever: "I can't control my eyebrow." —Tierra, speaking from the heart.
Second Best Line Ever: "Tierra, you have a sparkle." —Tierra's parents, apparently "sparkle" is a euphemism for a potential need for medication
Scariest Line: "Girls are jealous. Men love me." —Tierra, proving once and for all that denial isn't a river in Egypt but a psychological condition
Best Response to Tierra's Outburst: "Go to your cot!" — Ashlee, nailing it.
Not Clear On the Concept: Tierra barks at Ashlee, "I did not just say that," apparently unaware that they are surrounded by cameras, which are capturing every moment and can easily show that, in fact, Tierra did just say that.
(MORE: Enlightened Watch: Ghost Protocol)
Deep Thoughts With Sean Lowe: Tierra, apparently unaware that crying involves tears, fak- sobs into her hands when Sean comes in. He assesses the situation and takes a step outside to mull things over by staring broodily into the distance, which on The Bachelor counts as a deep thought.
Best Break Up: Sean tells Tierra that he cares so much about her that she should go home. That he can't keep her here knowing how hard it is for her. He laughably asks her if she wants to say goodbye to the girls, she doesn't, and he sends her home. She doesn't even argue. He's good, he's really good.
Lessons Learned: As Tierra cries in the van, two things are clear: No one will "take her sparkle away" and she finally bought some waterproof mascara.
Cocktail Party: Sean tells the women that Tierra was sent home because he realized that she was not going to be his wife. Then he announces that he doesn't like drama, shoots Ashlee a look, and announces that there will be no cocktail party and everyone should just drink quietly (read: body shots!) until the rose ceremony.
The Rose Ceremony: Chris Harrison earns his paycheck by reminding the women that Sean is handing out not just roses, but chances to show off their mom's meatloaf recipe on national television. Lindsay has her rose, so Sean is only doling out three tonight. First up: Desiree, followed by Catherine. While Ashlee is freaking out about her role in the day's drama, it's Lesley who is going home. Ashley sighs in relief that "her husband" gave her a rose.
So Long, Farewell: Sean walks Lesley out, but even on the eve of departure, Lesley refuses to cave into crying and instead stiff-upper-lips it through her farewell interview. On the other hand, Catherine is bawling her eyes out that Lesley is leaving.
Best Reason To Come Back Next Week: Hometown visits where we get to meet the families that created these women.
MORE: Girls Watch: Last Sexit to Brooklyn
MORE: Downton Abbey Watch: Thoroughly Modern Crawley


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Have you heard of massage parlours? I have in fact, but I doubt it. But it is not unheard of.
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But why do we need a massage? Are they really the answer to all our problems? Well, we need them for the health reasons too. Not only that, but they are known to have a rejuvenating effect on our bodies.
Now, the benefits that one gets from a massage is really great. There are so many things that massage does for our bodies. It softens, relaxes and rejuvenates our skin, and at the same time, it can relieve stress, fatigue and soreness.
These days, it is being used to get a massage in many occasions like a birthday, a romantic occasion, after the wedding, on a wedding day, before a visit to a spa, and many more. These massage parlours help us look more beautiful and attractive as well.
Massage parlours can also provide us with the extra space in our skin, helping us appear taller, slimmer and skinnier. They can also make us feel much sexier. So, the great benefits are many.
But what is the way to get these benefits from massage parlours? To learn how to give your body all the benefits, what is the best way to go about it? What massage parloursgive us?
Well, before all the other massages were invented, in ancient times, people tried to find out the secrets of achieving results in all aspects of their lives. The original massage centres were those who were found to have mastered the art of manipulating the human body for different purposes.
A massage centre was known to control the circulation of blood in the body, and by doing so, they would make the soft tissue of the body to relax, thus removing tension and pressure from the sensitive area. They also focused on the perfect functioning of the lymphatic system which will help in better immunity and detoxification. Most of these massage centres were found to be able to infuse the body with the warm, soothing liquid oil which is known to rid the body of toxins and relieve stress.
Today, there are massage parlours who offer different ways of massaging and they differ from each other in terms of technique, place and age of the person. The different massage techniques used in massage parlours include: massage strokes, acupressure, reflexology, hot stones, herbs, and aromatherapy. Each one is known to make us look younger, healthier and refreshed.
With the development of technology, today, the different massage techniques are also used at massage parlours and these days, we have masseuses who specialize in different types of massage. They can be compared to an oriental master that will instruct you about the proper movements and exercises for making your body strong and healthy.
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In her own words: living with type 1 diabetes
Amy is a 30-year-old dietitian from California. She has been living with type 1 diabetes for 23 years. She combines diet, exercise, and medication to manage her disease.
What was your first sign that something was wrong? What symptoms did you experience?
When I was 7 years old, I was sitting in church with my parents one morning and began experiencing extreme thirst. I had to get a drink and go to the bathroom before the service was over. Then, I was very thirsty again by the time we got home. My father, who had type 1 diabetes, was aware that these were potential symptoms and so I was checked for diabetes.
What was the diagnosis experience like?
I went to a local health clinic where they gave me an oral glucose tolerance test, in which I drank a cola syrup and then had several blood draws over four hours. The results were positive for diabetes. I was admitted to a hospital so that they could get my blood sugars under control and educate me about my condition. I was taught how to test my urine—there weren't blood glucose meters at that time—and how to give myself insulin. I had to practice injecting insulin on a grapefruit and a doll. I was also taught about meal planning and diabetic exchanges.
What was your initial and then longer-term reaction to the diagnosis?
When I was first diagnosed, I didn't like being "different." My first day back at school after being diagnosed was my 8th birthday and, to celebrate, the teacher had grapefruit sections and Ritz crackers for me and cupcakes for the rest of the class. That was frustrating. I remember being mad at my Mom, because I thought it was somehow her fault that all of a sudden I was being treated differently. But while I was mad at my Mom, I was also, for the first year or so, afraid to be away from her, in case I had an insulin reaction or something.
When I hit adolescence, I was very angry that I had this disease and I rebelled against it. I never did anything drastic, like skip injections, but I wouldn't tell people I had diabetes and I'd make sure that I'd cover up reactions so no one else knew. When I went to college and majored in nutrition, I finally came to terms with the fact that this is a chronic disease and if I want to live a long, healthy life, I've got to take care of myself.
How do you manage type 1 diabetes?
I'm on intensive insulin therapy, which means I take three to four injections a day. The dose is based on my blood glucose readings. Diet is a big factor in management. I do carbohydrate counting, which means that I aim for a certain number of grams of carbohydrate at each meal and snack and my insulin dose is based on that. But I can also adjust my insulin based on my meals, exercise patterns, and special circumstances, such as Thanksgiving, when I know there will be a lot of carbohydrate-rich foods. And then there's exercise, which is also crucial to my management. Exercise not only helps control my blood sugars, but for me it's a big stress reliever, and stress drives my blood sugars through the roof.
Did you have to make any lifestyle or dietary changes in response to type 1 diabetes?
When I was first diagnosed, the prescribed diet was "diabetic exchanges." And, of course, there was the "DO NOT EAT SUGAR" rule, which made things difficult, especially since all the sugar-free products they made back in the 70s were pretty awful. Now, carbohydrate counting, regular exercise, and stress management are very helpful to me.
Did you seek any type of emotional support?
Yes, but I've found it difficult to find support for someone at my stage of the game and with my level of knowledge. There are several support groups and counselors who work with people who are newly diagnosed and who are frightened and don't know what to expect or how to deal with this major change of life. I'm past that point, but I still have concerns and frustrations related to my condition. Unfortunately, I don't have any close friends or colleagues who also have type 1 diabetes and can relate to and understand me. I could discuss certain things with my Dad, but it was still different because he wasn't my peer.
Does type 1 diabetes have an impact on your family?
Absolutely. When I was first diagnosed and when I was being a rebellious teenager, my family worried a lot about me. And now that I'm a single woman living alone, they continue to worry.
What advice would you give to anyone living with type 1 diabetes?
Get as much education as you can. A single visit with a dietitian is not sufficient. Get as many visits as your health insurance will cover and get a visit with a certified diabetes educator if the dietitian isn't one. Also see a nurse to learn about other aspects of care, such as what to do when you're sick, how to care for your feet, etc. And then, exercise, exercise, exercise! There's so much stress related to having a chronic disease. Anything you can do to control stress will make any other aspect of management easier.


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Maui Jim Ka'a Point Polarized Sunglasses Blue - Size - S/M
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Canola Subsidies in Daviess County, Indiana totaled $1,089 from 1995-2019‡.
From 1995 to 2019, the top 10 percent of canola subsidy recipients were paid 0 percent of canola subsidies.
|Pct. of Recipients
|Pct. of Payments
|Number of Recipients
|Total Payments 1995-2019‡
|Payment per Recipient
‡ Data for 2019 is incomplete and only includes Market Facilitation Program payments made between January 1, 2019 and October 31, 2019.


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Ma Strum Funnel Neck Padded Bomber Jacket Navy
Ma Strum - Mens Jackets
Bio Wash Blend
53% Poly / 47% Nylon
This lightweight blend is constructed in a compact plain textile weave, this allows the cloth to be both strong and hardwearing. This cloth has been subject to a Bio wash treatment; during the wash process a neutral stable enzyme is used to enhance the fabric surface in order to achieve an industrial appearance with a unique rich look and feel. A thermoplastic backing has also been added to ensure maximum water resistance and breathability.
• Funnel neck with concealed stowaway hood
• Two-way zip front with snap fastening placket
• Lightweight synthetic wadding throughout
• Speed loop detail on placket
• Twin snap fastening chest pockets
• Lower side-entry zip fastening pockets
• Fleece lined throughout
• Elasticated rib knit cuffs and hem
• Detachable MA.STRUM ID
£2.95 Shipping Under £50: -
Our standard delivery is by Royal Mail Recorded Service & Royal Mail Standard and will typically take 3-5 working days. The cost for this service is £2.95 regardless of the item value or number of items ordered. All orders are dispatched with full insurance against loss or damage. United Kingdom means any address with a valid UK postcode including Northern Ireland, Scottish Highlands and Islands, and Channel Islands.
FedEx Next Day Priority Service Over £50: -
We offer FedEx next day service which will arrive by close of business day, the cost of this service is free if spending over £50 per order up to the weight of 2kgs. To take advantage of the next day service we will require your order by 3pm at the latest, any orders placed after 3pm will be allocated to the next working day. Please select this option in the Shipping Method at the checkout screen.
*Please note, purchases made after 3pm GMT on Friday and during the weekend will arrive the following Tuesday
**On occasions delays can happen due to weather conditions, customs clearance times or problems with the FedEx network. This is unfortunately out of our control, all orders sent via FedEx are prioritised and we endeavour to get them to you within the time frame.
We use FedEx Express International Tracked for items shipped to Europe The cost for this service is £20. We currently ship to Albania, Andorra, Austria, Azerbaijan, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Macedonia, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Slovenia, Spain, Sweden, Switzerland, Turkey, and the Ukraine.
We Use FedEx Express International Tracked for items shipped worldwide, this service varies by country but will typically take 4 working days or less. The cost for this service is dependent on your country, please use the shipping calculator to view prices, this can be found on the checkout page.
**On occasions delays can happen due to weather conditions, customs clearance times or problems with the FedEx network. This is unfortunately out of our control, all orders sent via FedEx are prioritised and we endeavour to get them to you within the time frame.
We offer Free Returns to all our UK customers.
We do our best to ensure all our customers enjoy a fantastic shopping experience with us however occasionally you may need to return an item.
If you are not fully happy with the goods you have received, you can return them to us within 14 days of receipt, providing they are in original resalable condition.
Once returned you will be entitled to receive an exchange or a refund, which will not include the cost of the original postage and packaging. We are not able to refund or exchange items that appear to have been worn, washed, or are not in original condition.
Please view our returns page here for further information.
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With the 2013 IA 25, our 13th annual list of the most influential individuals in and around the advisor business, we decided to do something different. We provided examples of how, exactly, the industry is becoming more connected, using the individuals on this year's list as proxies. How is it that an industry is growing, while at the same time shrinking and more engaged?
Each of the individuals were named to this year's list for their creativity, success and—of course—impact. And kicking off the extended profiles of the IA 25 honorees is Mohamed El-Erian, who is making his third appearance on the list. Click here to view the complete list and Special Report schedule for extended profiles for each of the 2013 IA 25 honorees.
Mohamed El-Erian hardly needs any introduction. The CEO and co-CIO of investment giant PIMCO, who since the end of last year also serves as head of President Obama's Global Development Council, is one of the most talked about and influential figures in international finance. His resume, which includes top positions at Harvard Management Company, the International Monetary Fund and Salomon Smith Barney, is one of the most impressive in the business and his spoken and written words wield immense power.
Yet, despite his achievements and his position, El-Erian is a surprisingly humble and down-to-earth person, someone who believes that knowledge is infinite, and that everyone in the world, himself included, has something to learn from others.
He credits his sense of perspective to his father–a man of humble beginnings who went from a small village in Egypt to being elected one of 15 judges on the International Court of Justice, the United Nations' main judicial organ, yet never let his achievements go to his head.
"My father remained incredibly grounded, refusing any and all sense of entitlement," El-Erian said.
That he is like his father is his greatest strength, he said, but El-Erian also considers himself fortunate to work at PIMCO, which fosters a "culture of inquiry"–one that affords him the opportunity to learn "a lot from many smart people" and to put into practice what he learned during his undergraduate studies at Cambridge University: "That how you think is as important as what you think."
He spoke with Savita Iyer-Ahrestani by email on what he feels are some of the more pertinent issues for financial advisors today, both with respect to the global environment as well as to the shifting dynamics within the United States and how they affect the advisory profession.
Q: Do you think financial advisors have the right combination of knowledge and tools to help clients achieve a satisfying retirement? What's lacking?
A: I believe that the sources of return that allowed investors to meet retirement goals in the past won't necessarily be the same that enable investors to meet their objectives in the future. We also believe that correlations are evolving and the configuration of risks is changing.
As a result, the challenge for all investors, including financial advisors, is to keep an open mind in looking for additional sources of return that fit clients' needs, both return objectives and risk tolerances. This translates into broadening the opportunity set to take advantage of positive risk-return opportunities in all parts of the world, across asset classes and with a keen eye toward downside protection.
Q: Investment objectives aside, we have been reading a great deal about the importance of behavioral finance. Should financial advisors be making an effort to incorporate the principles of behavioral finance into their practices in order to cultivate the kind of deeper client/professional relationships that this post-crisis era calls for?
A: I do believe financial advisors should focus on cultivating deep client relationships to understand their clients' risk and return objectives and any biases that may drive behavior. This is particularly important during this time of global change, where fluidity seems to be the only recurrent theme.
In PIMCO's New Normal, I expect markets to exhibit higher volatility and a bumpier investment road than pre-crisis. For this reason, I believe it is important to invest for the long term within clear risk parameters, seeking to maximize an investor's potential without being held hostage to tactical traps and harmful unconscious biases.
To this end, and in addition to our work on unconscious biases, we have incorporated for quite a while now insights from behavioral finance. This speaks not only to investment strategies, but also product design, client interactions and the manner in which we organize our firm.
Q: Financial inclusion is an important component of global development and it is as important in the United States, not least because of the demographic changes here. Today, advisors and financial firms have no choice but to tailor their practices to serve the needs of a rapidly changing population. Do you see this happening? What are the attributes you think financial advisors should cultivate to do this effectively?
A: I'm definitely seeing advisors and financial firms tailoring and customizing their approaches to meet the needs of a more diverse population, and rightly so.
Demographics are evolving considerably to cover generational shifts and changing family dynamics that include dual-income families, single-parent families and multi-generation households. "Knowing your client" becomes even more important in an age of increasingly diverse societal demographics.
As a result, financial advisors are rightly focusing on understanding the dynamics of an individual and broadening their focus to learn about the needs of the entire household to build a customized plan to enable individuals to meet their financial objectives. In general, the basic assumptions behind a "one size fits all" financial strategy that may have been effective in the past—and even that is debatable—need to evolve and dynamically adjust according to individual circumstances and objectives.
Q: Studies have shown us that in many households across the United States, women are now the major breadwinners, and this is set to continue. You have served on the board of the International Center for Research on Women, and you've written about the importance of education for women globally. Do you believe financial advisors here in the United States are reaching out and relating to women, and what is PIMCO's own story on this front?
A: I have certainly noticed a positive trend in focusing on women in our industry. This is highly appropriate and not surprising.
As you note, nearly 40% of U.S. households have female primary breadwinners. Women play an important role in the allocation of investments. Accordingly, many of our partner firms have revamped their approaches to better engage with women as an important client segment.
This includes hiring more female advisors where the numbers point to progress, with women representing over 30% of financial advisors. We and others are sponsors of the Barron's Top 100 Women Financial Advisor Conference that promotes women financial advisors.
I also see programs focused on providing training to male advisors that encourages the financial planning process to be inclusive of the whole family.
At PIMCO, we are very focused on attracting, retaining and developing women, and we have lots more progress to make. We understand the powerful business edge gained by leveraging the full contribution of all employees and capitalizing on diverse perspectives. We have combined this with a better appreciation of unconscious biases in the industry, and how to counter them in a focused, result-based meritocracy like PIMCO.
Q: We have apparently entered a period of relative calm, aside from the recent incident in Cyprus. What is your view from here, and what are the macro issues that financial planners need to be aware of?
A: The situation in Cyprus is an example of the fragility that exists today across the global financial system. Indeed, Cyprus again shows how unthinkables can become reality very quickly.
As we see again, this time in Cyprus, global policy responses have generally focused on short-term fixes as opposed to much needed, long-term structural change. Without proper focus on growth and job creation, market volatility will persist and investors will be constantly subject to large potential swings in markets on account of economic, financial, social and political factors.
This type of instability will be with us for quite a while. At times, it will be suppressed by bold central bank measures; and other times it will emerge dramatically, causing overreactions.
For all these reasons, I believe that a focus on strong risk and volatility management and utilizing managers with a global focus can assist in reducing exposure to pitfalls and seeking out a broader set of opportunities.
Q: Do you think financial service regulators–the SEC in particular–are protecting consumers while fostering capital development? Is overregulation stymieing economic growth in the United States? What can U.S. regulators and legislators learn from Europe's woes or China's growth?
A: I believe we are in a period of re-regulation having come from a lax pre-crisis environment that culminated in a global financial crisis. Society is also reacting to the fact that, in the run up to the crisis, huge gains were privatized; but in its aftermath, it is huge costs that were socialized.
Today, policymakers and regulators have a delicate balance to achieve between thoughtful policy and regulation and the potential unintended consequences that may inadvertently limit much-needed economic growth. Also, the political dysfunction, including in Congress, that exists today is encumbering the ability of the United States to focus on what's important: long-term job creation and economic growth. This is the key to safely deleveraging over-indebted segments of society.
Read El-Erian's extended profiles from the 2011 and 2012 IA 25.


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This week, news broke of yet another school shooting. Sadly, they are becoming all too frequent � a point that was driven home by some startling statistics released later that same day.
According to data compiled by Everytown.org, Michael Bloomberg�s gun-control group, there have been 74 since Newtown � about one every week that school was in session.
However, that number is somewhat misleading, because it includes incidents involving a firearm being discharged inside or on school grounds �� including assaults, homicides, suicides and accidental shootings.
CNN reports that 15 of the school shootings on the list were similar to Tuesday�s tragedy in Oregon. Still, that�s no small number, and it indicates a disturbing trend may be taking root � and schools aren�t the only battleground. Acts of kid-on-kid violence are taking place virtually everywhere these days.
After each one, the finger-pointing predictably ensues. The anti-gun lobby decries the �lack of gun laws� in America, while the other side tries to claim it only happens in �blue states,� so surely Democrats must be to blame. Yet in their haste to turn tragedy into a political party platform issue, most Americans seem to be missing the obvious questions: Just what has made so many kids think being angry or unhappy gives them the right to take innocent lives? Why do they believe only their own personal happiness matters?
Let�s be honest, even the strictest gun laws in the world wouldn�t make a difference. These same kids would use homemade bombs, knives, hammers, vehicles � the list of deadly weapons on which they can get their hands is pretty endless, and the Internet has all kinds of helpful how-tos on creating a host of others.
Should we ban the Internet, too? Maybe violent video games, movies and TV shows, while we�re at it? Heck, why stop there. The Bible has some pretty gory stories, so maybe that should go, too. And sure, knives are great kitchen tools, but you�ll just have to cut that steak with a spoon because some people can�t handle having sharp objects around without giving in to the temptation to kill. And good luck building anything without your trusty hammer � 518 people were killed with blunt objects in 2012, compared to 322 who were killed with a rifle, according to the FBI�s latest available figures.
So no, guns aren�t the problem. Nor are the liberals � or the conservatives, either, for that matter. We need to stop playing the blame game and, as a nation, work together to figure out why so many young people are capable of plotting these brutal crimes at the drop of a hat.
Case in point: two 12-year-old Wisconsin girls decided to repeatedly stab another little girl � their friend � during a game of hide-and-seek May 31. The terrifying attack was planned out ahead of time, and one held the victim down while the other plunged the knife into her body 19 times. Nineteen times. The reason? To impress a mythical creature called Slenderman.
And let�s not forget the misogynist who killed six people before taking his own life May 23, and whose main complaint seemed to be that girls didn�t like him.
Are these kids all so used to getting their way that they are incapable of handling even the smallest setbacks or obstacles? Do they lack any measure of empathy, not to mention responsibility or accountability? And if so, who�s really to blame?
It seems to me the parents are a good place to start. So many cave into their child�s every whim and desire, and are more worried about being a friend than a parent. Little Johnny got a bad grade? It must be the teacher�s fault, because my little angel is perfect.
Even the judicial system sometimes seems to be suffering from a bad case of helicopter parenting, as evidenced by the 16-year-old boy who plowed into and killed four people while very drunk � and high on Valium � last June, then left the scene after telling police, �I�m outta here.�
His defense claimed the wealthy teen was accustomed to getting �whatever he wanted� and therefore wasn�t accountable for his actions ... and, rather that teach the teen an accountability lesson he wouldn�t soon forget, the judge let him off with probation. Who wants to take bets on how long it will be before that teen takes another life?
So here�s a crazy idea, America. Rather than ban anything that can be used to kill, why don�t we instead nip the problem in the bud and actually teach our children that they are not the center of the universe, and they will have to learn how to deal with disappointment and, yes, even mean people, in the real world. And if they don�t, they will have to face the consequences on their own.
Amy Gehrt is the city editor of the Pekin (Illinois) Daily Times. She may be reached at firstname.lastname@example.com, or on Twitter @AmyGehrt. The views expressed in this column are not necessarily those of the Pekin Daily Times or this publication.
Amy Gehrt: Solution to violence problem begins with parents
This week, news broke of yet another school shooting. Sadly, they are becoming all too frequent � a point that was driven home by some startling statistics released later that same day.


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Telerik has updated its Kendo UI JQuery-based framework for rich HTML5 apps that look and feel native on any device.
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This HTML5 and JavaScript platform is comprised of rich jQuery-based widgets, a consistent programming interface, DataSource, validation, internationalization options, a MVVM (Model View ViewModel) framework, plus themes and templates.
With this release, Kendo UI exists as an HTML5/JavaScript framework to deliver low-level performance optimizations across web, data visualization, and mobile.
Telerik's Todd Anglin says that developers working with HTML5 and JavaScript today are often concerned with performance, both on the Web and on mobile platforms.
"Rather than build custom demos to showcase the power of the web platform, we invested in framework engineering that delivers maximum performance out-of-the-box," said Anglin. "Developers using Kendo UI to build modern web or mobile apps simply have better performing solutions compared to using other frameworks. We're doing the hard, low-level optimizations so our customers can stay focused on building amazing experiences for their customers."
Kendo UI Q2 2013 features the introduction of a "Flat UI" theme for Kendo UI Web and a "Flat UI" universal theme for Kendo UI Mobile, which is gauged to improve app performance by 30 percent.
There is support for tables in Kendo UI Editor, along with a new "responsive rendering" that adapts across desktop and mobile browsers. Also new here is a Scheduler widget for Kendo UI Web and a Facebook-style "Drawer menu" widget.
Users of Kendo UI have said that they can "go directly to tablet and mobile" without touching the backend services, with little impact on the learning curve of the development team. Its makers claim that Kendo UI has been downloaded more than 200,000 times and is in use in more than 200 countries.


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Sleep Apnea Specialists in Clearwater, KS
Sleep Apnea 411 is the web's premier resource for finding quality Sleep Apnea Specialists online. If you are looking for a Sleep Apnea Specialist in Clearwater, KS, Sleep Apnea 411 is the place for you! You can browse our directory of Sleep Apnea Specialists to find one in your area that fits your needs.
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Sleep Disorder Tips - How to Fall Asleep Faster and Stay Asleep Longer
by: John Purfield
Almost anything could be the cause your sleep disorder. In fact, sleep disorders and lack of sleep will cause more anxiety and stress. Your productivity is reduced during the day. If a sleep disorder is causing you many sleepless nights you may want to consult a doctor. However, you can do some things on your own as well. Here are some tips to help you fall asleep faster and stay asleep longer.
Since most of us are into habits and routines, your bedtime routine should be no different. Try to stick to the same bedtime every night. Your schedule should include your bedtime and evening activities. Make simple rules such as no caffeine after three o'clock. If you're into video games, stop playing an hour before you go to bed. Keep a schedule of your activities for the entire week. You can reduce stress, because you know what's ahead.
What you should avoid before going to sleep and through the night is television. If you love to watch a lot of TV, it's possible that you may wind up staying up late. You'll have less time to sleep. Television can also be a source of stress, especially if you watch the news. If you want to stay asleep longer at night, try turning off the television off. When there's less noise at night, you'll have less chance of waking up.
Finally, you want to clear your bedroom of possible distractions. Just knowing some basics will set up your bedroom for good, restful sleeping. First, you want to remove the temptation to work by getting of laptops and cell phones from the bed room. You may want to look into investing in a new mattress. Turn around the clock at night so you don't check the time during the middle of the night.
When it comes to your sleep disorder, you can help yourself with a few simple things described above. Hopefully you'll be on your way to a good night sleep very soon and have less signs of sleep deprivation.
For more information on a great product that will show you how to fall asleep faster and stay asleep longer, go to http://www.aboutsleepdisorder.com/SleepTracksReview.asp.


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The extraordinary architecture of the Porsche Museum is as impressive as the cars inside. The monolithic building looks as if it is about to take off. Around 80 vehicles and numerous smaller exhibits are on display here.
A few years ago, the German sports car manufacturer Porsche opened an impressive new automotive museum right on Porscheplatz square. For discerning fans of these iconic sports cars, it offers an unforgettable experience, making it an essential part of any visit to Stuttgart. The Porsche Museum has also become one of the city's architectural highlights. Marvel at 80 of the best and most famous road and racing cars from this legendary brand. On display are classics such as the 356, 550, 911 and 917, as well as a tribute to some of Professor Ferdinand Porsche's pioneering accomplishments from the early part of the 20th century, including the original Beetle. Another highlight of the exhibition is the famous Pink Pig racing car that took part in the 24 Hours of Le Mans endurance race in 1971. This museum contains everything there is to know about the Porsche brand and its history - experience the Porsche legend for yourself!
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I've recently begun to ask advisor conference organizers about the viability of big meetings at a time when virtual meetings are easier, and cheaper, to organize and run. After all, if you're going to a conference to hobnob with like-minded individuals or to hear high-profile speakers or to be educated on a complicated topic or to get those all-important CE credits, you could be more efficient by staying in your office and taking advantage of virtual meetings that will meet those needs but at a much lower cost in terms of dollars and time.
At ThinkAdvisor, we've had some nice success in both standard webinars that meet those enumerated advisor needs and in virtual conferences that replicate quite nicely in a digital format the experience of a live conference.
And yet those in-person meetings persist, and over the last year or so in particular a number of organizers of such meetings have reported record attendees. Part of the reason for that, I know from personal experience, is the state of the markets. When the markets are performing poorly, like in 2008-2009, advisors do not leave their offices for big meetings: they're too busy talking to their clients and monitoring those markets nearly full-time to exit for a few days to a live event, where they'll likely spend plenty of time on the phone and at their computers as they will in attending keynoters or educational sessions.
So I asked Bernie Clark, who heads Schwab Advisor Services, about why big shows like Schwab's annual Impact gathering seem to be thriving. He started by arguing that Impact is a "gathering of the overall community," which includes not just advisors but their partners in the asset management and technology space. He said that the high number of registrants for Impact 2013 in Washington (Nov. 10-13) also reflects the fact that "successful people like to be around other successful people."
That's no doubt true. Last month, I asked Lauren Schadle, CEO of the Financial Planning Association, the same question about FPA's annual Experience conference, held in October. Schadle responded that FPA's national organization was "very proud" of its large chapter network, but that Experience could present "some speakers you can't get locally" and that "one annual conference for the financial planning profession is very much needed."
Also no doubt true. We can also thank Schwab for pioneering the superstar speaker role at national conferences, which if I recall directly started with a Bill Clinton appearance at the Schwab Impact show in Philadelphia in 2004.
I wonder, however, if there's not something more basic at work. As I write this, I'm attending Commonwealth Financial Network's annual conference for its representatives, this year in Phoenix. While I heard attendees raving about presentations like that of Amy Florian, the thanatologist, on how to work with clients experiencing transitions and loss (especially death), the keynote session—presented in TED-like short presentations on the opening day by design, said Commonwealth CEO Wayne Bloom—also was lauded by advisors at the conference.
One of those presenters was Guy Kawasaki, the ex-Apple Computer executive turned technology writing and speaking guru, who said in his talk (channelling Tony Hsieh) that "your culture is your brand." That aphorism found a receptive communal ear with the attendees of Commonwealth, which is justifiably proud of its unique and heartfelt culture.
In-person gatherings of like-minded people is about experiencing and building culture. It happens in families, it happens among religious people, in fact it happens among all groups. It particularly happens among advisors, most of whom (at least the independent variety) remain in near-isolation in building and running their practices, regardless of the size or success of their individual firms.
Having an experience, a personal experience, with your peers helps you to understand and build your shared culture and your individual experssion of that culture, which builds your brand, which in turn brings you success. That's why gatherings like Impact or Experience or Commonwealth's national conference are important, and will remain so, regardless of how technology continues to evolve.
Check out ThinkAdvisor's complete coverage of Schwab Impact 2013.
Check out 10 Tech Trends That'll Rattle the Advisory Industry at ThinkAdvisor.


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DETROIT – Chrysler took the wraps off the all-new 200 midsize sedan Monday at the Detroit Auto Show.
The company sold a respectable 122,000 200s in 2013. Still, it's far from the sales number of its competitors like the Toyota Camry and Honda Accord.
Chrysler hopes to improve those sales numbers for the 2015 model with features like a nine-speed transmission that helps the car achieve up to 35 miles per gallon on the highway.
Inside the car, Chrysler included conveniences like a center console that includes a covered charging station and cupholders that slide out of the way for more storage space. Even shifting the transmission is different and controlled by a dial instead of a lever.
The car also has a 5- or 8.4-inch touch screen for things like audio, navigation and phone connections.
Under the hood, there are two engine choices: a 3.6-liter V6 engine with nearly 300 horsepower and 262 pound feet of torque, or a standard 4-cylinder engine good for 184 horsepower and 173 pound-feet of torque.
The company is also quick to point out that it has greatly improved its assembly process that will help reduce the energy needed to build a 200 by 62 percent compared to the 2014 model.
The cost is also down a bit from the 2014 model. The new 200 will start at $21,700 when it goes on sale later this year.


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Hagenbeck Zoo in Hamburg is a 19-hectare park, a zoo and an all-weather cultural attraction rolled into one. People have been enjoying days out at this leafy oasis on the outskirts of Hamburg since 1907.
Carl Hagenbeck's world-famous panoramas are still the defining feature of Hagenbeck Zoo. These heritage-listed enclosures give you the impression of being in the wild with the animals and let you see predators roaming seemingly freely. Nearly 2,000 animals representing more than 200 species and from all five continents live in the park, from the African lion to the zebra shark. The zoo also successfully breeds endangered species such as the orang-utan and the Asian elephant. What child wouldn't like to feed a giraffe, see an elephant calf or watch other rare and cute young animals? It's all possible at Hagenbeck. The little ones can get up close to pygmy goats and ovambo goats in the children's zoo or run around in the large playground with its Wild West fort. Carriage rides, camel and pony rides in summer and lots of daily feeding displays turn a trip to the zoo into a magical experience. Watching animals is great fun, no matter how old you are. From the Asian elephant and the orang-utan to the giant South American otter and the dwarf zebu – all the animals have a part to play in this distinguished zoo. In the Polar Sea, opened in 2012, you can see walruses, fur seals, sea lions, penguins and other marine creatures at close quarters. Whether nose to nose with a diving polar bear or surrounded by a colony of penguins – you are given plenty of fascinating insights into the inhabitants of the polar seas on a 750m walk-through trail. The penguin enclosure is particularly spectacular, and the large sea bird aviary is populated by king eiders, long-tailed ducks, Arctic terns, ruffs and other Arctic sea birds. A visit to Hagenbeck Zoo promises to be one to remember!
Animals may be the stars at Hagenbeck Zoo but you also get an insight into foreign cultures. Of particular note are the exquisite hand carvings on the Nepalese pagodas and on the Thai pavilion in the Japanese pond. Right next to the zoo and the tropical aquarium is the world's first themed zoo hotel. Its colonial architecture is breathtakingly exotic and even the journey to one of its 158 rooms and suites is an adventure: each themed floor, which you arrive at by 'ship', takes you a tour of discovery through the flora and fauna of Africa, Asia and the Arctic.
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Original Post Date: Oct 04, 2016
Answers to some of your questions about Apple App Store
What is Apple App Store?
Apple App Store is a multimedia content service where you can buy applications and games for your Apple device.
Why is an Apple ID required for App Store?
An Apple ID links App Store to your Apple iPad mini 3. You can purchase applications at App Store and it keeps track of your purchases. You can re-download and install previously purchased applications without additional cost in case you ever have to reset or replace your Apple iPad mini 3.
How do I pay for applications?
You can pay with your credit card, debit card, or gift card. You can also bill some purchases to your Sprint account. You can save your payment information to your Apple ID for online or tap-to-pay purchasing.
Why can some devices download a specific application from App Store when other devices can't?
Certain applications may not be compatible with your Apple iPad mini 3. While browsing in App Store, only compatible applications are visible.
Note: Apple may remove some applications from App Store to prepare for an update or because of a policy.
Why is App Store not working?
What is the App Store refund policy?
All sales and rentals of products from the App Store are final. There are cases where an exemption may be granted, but these cases must be reviewed and granted by an appropriate Apple representative.


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Jolt Awards: The Best Books, October 01, 2013 Five notable books every serious programmer should read.
Jolt Awards: The Best Books
As we do every year, Dr. Dobb's recognizes the best books of the last 12 months via the Jolt Awards our cycle of awards given out every two months in one of six categories. Traditionally, no category gets more entrants than books, and this year was no exception with more than 40 nominees submitted by publishers, vendors, and readers. The award covers all books published during the twelve months ending June 30th of this year.
Due to the large number of candidates, the Jolt judges did an initial triage pass that cut the field to a readable number of entrants. Then followed a second pass in which the top five picks were selected and ranked after long deliberation and considerable discussion. As always, the book of the year receives the Jolt Award; the two runner-ups each receive a Jolt Productivity Award, and the remaining two books are known as Jolt Finalists. Reviews of these five volumes are included in this article.
The judges for this category included Andrew Binstock, Robert del Rossi, Gary K. Evans, Roberto Galoppini, Larry O'Brien, Gary Pollice, Roland Racko, Mike Riley, Rick Wayne, and Alan Zeichick. Given the large number of judges, you can have high confidence that the award winners represent the very best of the available books for the 12-month contest period.
We thank the Jolt sponsors, Rackspace, for providing virtual machines for the judges' use and Safari Books Online for enabling us to read most of these titles online in a format that presents technical information far better than do eBook readers.
And now, to the winners, starting with the finalists…


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ROCHESTER — The following items are based on 1,162 entries on the Rochester Police Log from Dec. 20 to Dec. 28, 2012.
Thursday, Dec. 20
12:54 a.m. — Two loose dogs come after a man on Dry Hill Road. He takes out a gun and shoots at them.
6:40 a.m. — Kids, while walking on Lafayette Street, smash things with a golf club.
8:57 a.m. — There's a trash toter incident on Academy that sorts itself out.
8:59 a.m. — A parent reports that her pre-teen son is being bullied and beaten up in class and that "the school is refusing to do anything about it."
9:39 a.m. — Quail Drive mailboxes have been gone through yet again.
9:54 a.m. — Keys found behind the China Palace are returned to their owner.
10:16 a.m. — A toter is taken on Little Falls Bridge Road.
11:17 a.m. — Someone is banging on an Amazon Park trailer to harass a cat.
1:39 p.m. — A man — the man — is jumping out in front of cars on Washington Street asking them for money.
2:20 p.m. — A man with a gun and a bunch of needles won't leave a Lafayette Street house after barging his way in.
2:31 p.m. — The woman who owes the South Main Street gas station $57 still hasn't paid.
3:18 p.m. — Criminal trespassing occurs at Market Basket.
3:51 p.m. — A light in a foreclosed property on Jackson Street is investigated. It's folks working for the bank.
4:46 p.m. — Carol Brown, 64, of 80 Franklin Heights, is charged with willful concealment at Walmart.
6:04 p.m. — Anthony J. Ullven, 35, of 7 Comanche Lane, Lebanon, Maine, is charged with willful concealment at Kmart.
7:43 p.m. — Music is being blasted on Riverview Drive.
8:18 p.m. — Christina Stickles, 27, of 152 Ten Rod Road, Farmington is arrested on a warrant.
8:26 p.m. — A 17-year-old is charged with drug possession.
9:16 p.m. — Robert George Maxfield, 60, of 2 Jackson St., Apt. 6, is charged with five counts of simple assault, with criminal threatening and criminal mischief.
10:46 p.m. — A woman screams after she is attacked by a man near Linscott Court Apartments.
Friday, Dec. 21
2:09 a.m. — At Cumberland Farms on Knight Street "there is a male in the store with a suitcase that is refusing to leave." Who knew suitcases had free will?
2:43 a.m. — Officers move an unwanted man along on Bridge Street.
4:47 a.m. — On Sheridan Avenue a woman wakes up to find her ex-boyfriend standing over her drinking Jack Daniels. He is described as non-violent although he is now hitting his car with his fist.
5:24 a.m. — A beer bottle is fired at a car on Beaudoin Court.
8:32 a.m. — A cell phone has been stolen at the high school.
9:37 a.m. — Mail is stolen on Moffett Court.
9:59 a.m. — On South Main Street a man calls E911 to say a woman has punched him in the face and tried to take his luggage (probably a suitcase). Due to the inclement weather, a kindly officer gives him a ride to the Milton town line.
11:23 a.m. — A "past tense" sexual assault is reported at the high school.
11:58 a.m. — Craig A. Robinson, 42, of 623 River Road, Lebanon, Maine, is charged with simple assault and arrested on a warrant.
3:19 p.m. — An orange white cat with yellow eyes and a white flea collar has gotten lost on Little Falls Bridge Road.
3:22 p.m. — Police log news ... an officer moves a fallen branch out of Portland Street.
4:02 p.m. — The panhandler is back annoying people on Washington Street.
4:19 p.m. — A 17-year-old is charged with willful concealment at Kohl's.
5:16 p.m. — Brett Scott, 20, of 44 Pheasant Lane, Alton, is charged with misuse of power at Rochester Crossing.
7:23 p.m. — Two gentlemen and one lady are in a physical fight at the new Pizza Hut.
7:39 p.m.— A window is smashed at Amazon Park.
7:54 p.m. — Kohl's reports a theft by a man and two women now taking off in a truck. Barrington P.D. is informed.
8:56 p.m. — Ryan Elliott, 30, of 65 Daffodil Hill Lane, is charged with a violation of probation or parole.
9:23 p.m. — Joshua David Lacy, 22, of 206A Milton Road, is charged with harassment.
9:36 p.m. — Robert Thomas, 25, of 16 Pine St., Apt. 16, is charged with two counts of criminal mischief, and with criminal threatening. He is also arrested on three bench warrants.
9:38 p.m. — Ronald Lee Bush, 29, of 16 Pineland Park, Milton, is charged with drug possession.
10:34 p.m. — Neighbors are drilling into walls on Lafayette Street.
Saturday, Dec. 22
12:59 a.m. — Music is cranked on Moores Court.
3:58 a.m. — On Pondview Lane an estimated 20 people were fighting ... a by-product, it's said, of an underage party.
4:31 a.m. — Adam T. Wilson, 23, of 85 Chestnut Hill Road, is arrested on a warrant.
8:06 a.m. — Michael Toleos, 36, of 612 Lilac Lane, Dover, is charged with unsworn falsification.
8:15 a.m. — A couple swears, screams and bangs around in a North Main Street apartment.
8:36 a.m. — A woman walking near High Field Common has found a backpack.
1:03 p.m. — Two friendly dogs scamper on Thomas Street. They are returned to their owner.
1:53 p.m. — Police investigate whether a man on Lafayette Street was punched in the face by an assailant or by himself.
2:36 p.m. — A guy holding a sign is stepping into traffic on Farmington Road.
2:38 p.m. — A mailbox and its post are mashed on Blackwater Road.
4:49 p.m. — A tree limb is blocking Meaderboro Road.
5:03 p.m. — The scooter of a disabled woman has been gone through at Walmart and items stolen.
7:27 p.m. — A man is assaulted off School Street, and is bleeding.
6:11 p.m. — Keith Thompson, 39, a transient of Rochester, is arrested on a bench warrant.
6:15 p.m. — There has been a hit-and-run at Walmart.
11:59 p.m. — A lady's in despair because her family is in need, and hubby's disappeared with dough, she fears it's to buy weed, but then she calls to cancel, for she has some real good news, it's to buy pizza he went out — not to escape the blues.
Sunday, Dec. 23
12:11 a.m. — The 103's loud music has woken up a neighbor.
1:35 a.m. — A woman reports being sexually assaulted on Silver Street by a named person.
3:16 a.m. — Jonathan Mark Charest, 46, of 72 Mountain Drive, New Durham, is charged with five counts of simple assault.
6:59 a.m. — Someone tries to pass two dud $20 bills at the Charles Street Sunoco.
8:31 a.m. — A theft is reported at Service Credit Union.
8:33 a.m. — Someone reports a fraud at the station.
2:29 p.m. — At Walmart, a panhandler is screaming at motorists and smacking their cars. He generates three complaints.
2:31 p.m. — Two skinny men knock over a Porto Potty behind Market Basket and run off down the tracks.
2:44 p.m. — Bobbie Segura, 36, of 180 Portland St., is charged with theft by deception and willful concealment at Kohl's.
3:48 p.m. — A Forest Park Drive man has two fraudulent charges on his bank accounts, each over $600.
3:50 p.m. — A coin collection has been stolen from a home on Julia Avenue.
4:00 p.m. — There's an irksome panhandler at the Lilac Mall ... and another on Washington Street ...
4:53 p.m. — ... and yet another at Rite Aid on Wakefield Street.
11:10 p.m. — Scott Allen Dockham, 36, of 11 Townsend Lane, is charged with three counts of simple assault.
Monday, Dec. 24
Not available.
Tuesday, Dec. 25
12:00 a.m. — Merry Christmas, peace and goodwill to all ...
12:13 a.m. — Christopher John Archembault, 46, of 511 Ten Rod Road, Farmington, is charged with conduct after an accident and willful concealment.
12:42 a.m. — At Wyandotte Falls, a lady reports that a gentleman is pacing up and down the hall, and he nips in to drink her coffee when she is not there. Police check the hallway, and then her coffee jars.
1:44 a.m. — Music arouses sleepers on Portland Street.
10:08 a.m. — A Jamey Drive woman says someone has stolen her pills and taken gifts back. She's getting in her daughter's boyfriend's face.
10:13 a.m. — A purse is stolen at Cumberland Farms on Knight Street.
2:05 p.m. — Snoopy the beagle has run in the woods on Shaw Drive, and is pursued by humans.
3:10 p.m. — A drunk couple stumble and threaten at Cumberland Farms on Knight Street.
3:13 p.m. — Someone is drunk "and getting out of hand" on Chestnut Hill Road.
5:35 p.m. — A home has been burgled on Silver Street, with items stolen and a hand tool left behind.
9:05 p.m. — Michael J. Henry Jr., 42, of 6 Beaudoin Court, is charged with two counts of simple assault.
Wednesday, Dec. 26
3:49 a.m. — Someone is brought to the station after a report of vehicle break-ins at Royal Crest MHP.
10:05 a.m. — A wallet is found and turned in to the station by an officer.
11:50 a.m. — Two instances of fraud are reported at the station.
12:35 p.m. — A North Main Street toter has vanished.
12:50 p.m. — A wallet is found near the Barrington line.
2:59 p.m. — Two horses clumping along Washington Street are rounded up by their owners.
4:04 p.m. — There's an outbreak of panhandling on Washington Street.
5:23 p.m. — On Patriots Way a family member yells, leaves, gets locked out, climbs back in the window, and eventually leaves again.
6:03 p.m. — Carol Small, 66, of 114 Whitehill Road, is charged with driving under the influence.
6:25 p.m. — Loud music grates at Amazon Park.
10:37 p.m. — Ryan Brown, 23, of 7 Colby St., is charged with driving after suspension.
Thursday, Dec. 27
12:21 a.m. — Breanne Lynn Hassen, 18, of 21A Academy St., is arrested on a warrant.
4:34 a.m. — Randall Scott Maurais, 48, of 314 Rochester Hill Road, Apt. 3J, is charged with criminal mischief after a hole appears in a wall at Profile Apartments.
8:47 a.m. — A man plowing on Hynes Court reports being threatened by a neighbor.
9:51 a.m. — Items have been stolen from a car on Broad Street.
1:09 p.m. — On Jackson Street, an issue arising over a diamond ring, is called a civil matter.
3:51 p.m. — A teen clad in his underwear (at least the fellow isn't bare), near Exit 12 jogs up a sweat, he tells cops that he lost a bet.
4:28 p.m. — Meanwhile, a plow truck's lost a wheel on Union Street — the jam's unreal.
5:20 p.m. — On Jackson Street, a man's brother stops by the "lecture him about God." Yelling ensues. (The voice of the Lord is powerful. Psalm 29:4)
5:29 p.m. — Samuel English, 19, of 7 Glen St., is charged with false report to law enforcement.
8:30 p.m. — A Milton Road woman fears she has fallen victim to scamsters falsely claiming to represent Microsoft.
9:22 p.m. — Music at the 103 is checked, following a noise complaint, but is not deemed to be unreasonably loud.
Friday, Dec. 28
3:10 a.m. — The victim of a serious knife assault runs into the station lobby and collapses on the floor.
8:59 a.m. — A toter is taken from Glenwood Avenue.
11:19 a.m. — A plow truck (not the city's) has caused damage on Lafayette Street.
1:30 p.m. — A homeless man holes up in the public library bathroom for ages. When he emerges, he is moved along.
2:12 p.m. — A hit-and-run is reported in the Care Pharmacy lot.
2:46 p.m. — At the library, once more, a thin man is "acting odd" and scaring employees.
3:48 p.m. — Multiple calls come in about a homeless man at Rochester Crossing who is holding a sign, yelling at people, shaking his fist, and smelling of booze.
4:12 p.m. — A Glenwood Avenue resident is "appalled" when her landlord's son's girlfriend asks her to give a clean urine sample.
4:17 p.m. — A resident of Amazon Park can't let her cats out, light or dark, for feline strays are causing fear, attracted by a strung up deer, police dispense some common sense — bring your deer inside and hence, those wilder cats will slink away, allowing little pets to play.
7:07 p.m. — Nathan A. Fisher, 40, of 16A Wakefield St., is charged with first degree assault, simple assault, criminal restraint and two counts of criminal threatening.
8:29 p.m. — A Franklin Street man alleges a phone threat from his ex-wife's husband.
8:59 p.m. — Amy Twombly, 35, of 7 Sandina Drive, is charged with driving after suspension.
11:56 p.m. — There's a handgun in a holster in a bathroom in the China Palace down there on South Main, its owner is not General Tso, for many folks tote weapons now, and luckily, he gets it back again.


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Through the National Capital Region Transportation Planning Board at COG, area officials, planners, and engineers focus on significant challenges like roadway and transit congestion, efficient freight movement, and safety. Learn more about COG's transportation planning areas. Learn more about the TPB.
COG's work engages leaders in various environmental fields from water quality experts to urban foresters. Together, they are advancing regional efforts to restore local waterways, reduce air pollution, increase renewable energy use, promote recycling, and enhance and preserve green space and agriculture. Learn more.
Area officials and experts, including planning and housing directors and child welfare and health officials, work together with their counterparts at COG to help shape stronger communities throughout the region. Learn more.
COG brings police chiefs, fire chiefs, emergency managers, and other leaders together as part of its work to strengthen regional public safety coordination, homeland security planning, and emergency communication. Learn more.
COG connects leaders across borders to help shape strong communities and a better region. Every month, more than a thousand officials and experts come to COG to make connections, share information, and develop solutions to the region's major challenges. Learn more.
The purchasing and human resources pages offer information on doing business with COG, cooperative purchasing, and job opportunities. In addition, the website features regional priorities like housing and initiatives that tie subject areas together, such as economic competitiveness.
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Kangaroo Plum Ceramic Lamp and Base
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Trane Clean Effects Katy, TX
If you're in Katy or its surrounding areas Jackson Air & Heat provide reliable and passionate service for all your cooling and heating needs. Jackson Air & Heat offer a wide variety of products including furnaces, air conditioners, heat pumps and indoor air quality products. Our priority is always to make you feel comfortable about trusting us to resolve your heating and cooling issues and concerns. Our emphasis on customer comfort doesn't stop with the equipment we sell and service. It's on display in how we treat each customer - with honest advice, no pressure selling, and personal follow up to ensure your complete satisfaction. Investing in education and training to stay up-to-date on the air conditioning industry's latest technology and best practices, Jackson Air & Heat is EPA and NATE certified and an Accredited Member with the Better Business Bureau and Fort Bend Chamber of Commerce.


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From time to time, there are complaints that there is too much bickering and arguing and people aren't getting to talk about what they want. Well, I can't do anything about that, people are people.
But what I can do and what I like to do is answer questions. So I want to give everybody the free and explicit opportunity to ask serious questions. If you want to be treatment-free, or if you are weighing your options, ask away. I want to help you. I'm not going to be answering challenges or defending my methods or viewpoint. I want to help you if you want to be helped. I want to tell you what you want to know, not what you want to hear. I had tons of questions and many of them will be the same ones you are asking now. You can even go back to 2003 and see them for yourself in the archives.
So ask away. You have my ear.


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Breast cancer patients may endure a long road to recovery that could include surgery, chemotherapy and radiation. But while the majority of the medical part of the journey may be over after treatment ends, patients could still experience a long emotional recovery as they try to adjust back into their day-to-day life.
Once treatment ends, patients transition from breast cancer patient to breast cancer survivors.
After treatments, survivors may find their relationships with loved ones a bit changed, they might have to change their eating and fitness habits, and they might have to cope with lingering effects from treatment.
Some women might struggle with fatigue after treatments, while others might have something called "chemobrain" –which can include troubles remembering and a lack of focus.
To cope with fatigue, it's suggested that survivors plan needed rest into their schedules and learn how much they can do before getting tired.
Some survivors might also struggle socially. Because survivors might look like they are physically healed, family and friends might think they can pick up where they left off before treatment. Survivors will need to learn how to balance and prioritize their social activities with their needed rest and recover y time.


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Rascal Flatts cancels 3 shows due to illness
NASHVILLE, Tenn. (AP) — Singer Gary LeVox has lost his voice, forcing Rascal Flatts to cancel three shows in the Pacific Northwest this week.
The country band issued a news release Wednesday announcing dates had been canceled in Nampa, Idaho; Airway Heights, Washington; and Mission, British Columbia, Canada, where they were set to appear at the Rockin' River Music Festival.
Flatts member Jay DeMarcus, LeVox's cousin, says the singer lost his voice due to a combination of heavy touring and media appearance schedules.
DeMarcus says the band promises to return to the area soon. Ticket refund information is available from point of purchase.


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A new report from the Economic Policy Institute, a left-leaning think tank, takes aim at 401(k)s, claiming their poor design was an "accident of history" and that it exacerbates income inequality in retirement.
"Though assets in individual and pooled retirement funds have grown faster than income in recent decades, aggregates and averages can be misleading," the report says.
Calling it "retirement insecurity," the institute argues it's worsened for most Americans as retirement wealth has become more unequal. For many groups, the median household has no savings in retirement accounts, and balances are low even when focusing only on households with savings.
"In 1980, a benefit consultant working on revamping a bank's cash bonus plan had the idea of adding an employer matching contribution and taking advantage of an obscure provision in the tax code passed two years earlier clarifying the tax treatment of deferred compensation," the report explains. "Though 401(k)s took off in the early 1980s, Congress did not intend for them to replace traditional pensions as a primary retirement vehicle, and 401(k)s are poorly designed for this role."
It notes that the shift from traditional defined-benefit pensions to 401(k)-style defined-contribution plans, in theory, could have broadened access to retirement benefits by making it easier and cheaper for employers to offer benefits. However, participation in any employer-based retirement plan declined over the past decade even as defined-contribution plans became prevalent in the private sector.
The reason is the employee match — those that can most afford to contribute do so, skewing savings toward higher-income individuals.
It then offers a number of areas in which income inequality is especially pronounced.
- Households in the top income quintile accounted for 72% of total savings in retirement accounts in 2010 and were the only income group that had more than their annual income saved in these accounts.
- Participation in employer-based retirement plans by workers age 25 to 61 declined over the past decade, from 52% in 2000 to 45% in 2010.
- For many demographic groups, including black and Hispanic households, households headed by someone without a college degree, and single people, the typical (median) household has no savings at all in retirement accounts.
- On average, white households have more than six times as much saved in retirement accounts as Hispanic or black households.
- College-educated households have nearly six times as much saved on average as high school-educated households.
"Retirement disparities have grown because tax preferences favor high-income families and because many 401(k) participants cannot afford to contribute enough to their plans. By contrast, most workers in defined benefit pensions are automatically enrolled and, in the private sector, are not required to contribute to these plans."
The situation only seems to be getting worse, the report concludes. Though younger workers should be saving more to make up for the loss in pension and Social Security benefits, the retirement savings of younger households have stayed flat or declined in recent years.
Check out Olivia Mitchell: You Might Live to 100. Will Your Money? on ThinkAdvisor.


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