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Over the years, I've written about solutions for many of the challenges that advisory firms face as they grow larger. By far, the greatest of those challenges is managing the growing ranks of professional and staff employees. As in many businesses, when advisory firms get large enough, usually around the $5 million in annual revenue mark as we see in my client firms, they typically create human resources departments to take most of the employee management burden off the desks of partners.
While these departments can indeed perform many of the mundane tasks required to administer firm employees, they also introduce a level of bureaucracy that many advisors went independent to avoid. Moreover, that bureaucracy can undermine the productivity levels that make independent firms successful.
I'm not dumping on HR departments here. Administrating employees is a real pain, and many owner-advisors quickly realize they'd much rather pay someone else to do it so that they can spend their time working with clients and building their firms. Managing payroll, overseeing benefits, organizing reviews, maintaining employee files, recruiting and researching industry compensation levels are all labor-intensive, time-consuming tasks that are most efficiently and competently done by people who do them regularly. In fact, we recommend that our client firms hire someone to handle these HR functions full-time when they reach 15 or so employees.
With that said, we also recognize that HR departments can also cause problems—when firm owners and other supervisors shift too many of their responsibilities to them.
We've found that perhaps the most important job of an owner-advisor is to instill a sense of mission, of purpose, to his or her employees. Great business owners know that the success of their firms depends on the belief of every employee that what they are doing is important, helpful or good for someone, and, in a large or small way, makes the world a better place. In advisory firms, this is relatively easy, as their mission is to help people better manage their finances to send their kids to college, provide healthcare, retire comfortably and, hopefully, provide for grandchildren and/or other dependents. Each employee's role in providing these services makes them important, too.
We've also found that he best person to convey this sense of mission is the firm owner, or owners. They know better than anyone why they founded their firm, and the importance of the services they provide to their clients. We believe an essential part of an owner-advisor's job is to prepare every employee to succeed by instilling them with this sense of mission. Unfortunately, once an HR department is created,or an HR person is hired, many owner-advisors delegate (among other things) the preparation of employees to them.
While the HR professionals may be good at their jobs, they aren't the firm owner—and way more often than not, fail to convey the owner's passion for client service and sense of mission.
By inserting an HR person between employee and employer, this relationship can be dramatically altered as well. Owner-advisors often begin to see themselves as the "boss," directing their firm from a distance, rather than as a teacher, coach or mentor to their employees. The difference between how employees see themselves in these two scenarios is dramatic—and so is their level of productivity and loyalty to their firm. Sometimes, they even get confused about who they actually work for, the person they report to and who is ultimately responsible for their advancement and their career.
The solution is for owner-advisors to be proactive about not delegating their responsibilities to their employees. In their desire to be as helpful as possible, HR people are usually willing to take as much off the firm owner's plate as possible.
To create a truly successful, growing firm, owner-advisors need to delegate the administration of employees to HR, but continue preparing, training and supervising employees—to maximize their happiness, sense of purpose and contributions to their firm. My point is this: don't believe hiring an HR person is going to relieve you from you job as an owner. It's your job to still mentor, coach, guide and build the next generation in your firm.


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Bulldog's wedding is interrupted when diamond thieves strike!
A valuable synthetic gem is stolen and the head of the Metropolitan Diamond Syndicate is the chief suspect. The scientist responsible for "creating" the precious stone is murdered and Captain Drummond swears vengeance. The trail leads to a house on the outskirts of London where he finds his fiance, Phyllis Clavering, and his loyal valet, Tenny, imprisoned by a notorious arch-criminal who will stop at nothing to learn the secret of the artificial jewel. The film climaxes in an unforgettable duel in which Captain Drummond, armed with a saber, battles his bullwhip-wielding nemesis. The fifth entry in the series, Bulldog Drummond's Peril features John Barrymore as the stiff-upper-lipped Colonel Nielson of Scotland Yard. The striking laboratory sets add a futuristic touch to the film's noir style.

subset: commoncrawl


text: My art runs the gamut from primitive cave paintings to the post modern, influenced by traditional Asian brushwork, modern painters and New Yorker cartoons, doodles to Bizarro. It's subject matter is meditation, sports, politics, social conventions, puns, fashion-In short everything that crosses my brush/mind. My inklings-creations brought to life by ink, paper, brush and thin air The secret of the work is in each stroke of the brush. To purchase a painting, leave a comment on a piece of interest


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Catholicism for Dummies
Stay at home, during the MCO! We recommend you to use delivery services instead of practicing COD.
Do note that Mudah.my is NOT affiliated in any way with these delivery services and will not be responsible for any losses, damage or missing items.


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Failover Management Framework
|1. The basic and loosely associated components or pieces of a repeatable set of Ideas or Concepts that are intended to represent the foundation (i.e. a Framework) of what can be turned into a detailed Process or set of Processes for the Discipline known as Failover Management.
Read More
|1) The Semantic Root Noun for this term is: Failover
2) Semantically Related Terms: The "Failover Management Glossary"
3) The Failover Management Home Page covers much more about other related terms and concepts associated with this term or phrase.


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Tagged: Tony Gwynn
Angels Work Out the Kinks at Chavez Ravine and We Take Ourselves Out to the Ballgame
Tuesday evening was clear in Los Angeles. Clear, balmy and gorgeous. Perfect weather for a ball game! As we headed out to Dodger Stadium for game two of the traditional Freeway Series before the regular season begins, I was filled with nostalgia. I remember bouncing around my parents' house with my sister, waiting for our dad to come home from work so we could head out for the Freeway Series. This was long before Interleague Play, back when this was the only time each season that my father's Dodgers would play his father's – and now my – Angels, and we tried to attend one of the games each year. I remember Dodger ball caps and Mom making sure we packed our jackets. I remember keeping score in the pages in the program with my loopy, little girls' handwriting and I can almost taste the salty, sweet combination of rollo candy bar pieces and ballpark peanuts I preferred back in the day – clearly this blogger was a fiend for salted caramel long before it became a thing. See, Mom and Dad weren't big on us eating candy bars – smart Mom and Dad! – but on game nights, my sister and I each got to pick out one from 7-11 to enjoy during the game.
And it was in this frame of mind, jonesing hard for a live baseball game, and smiling with happy memories, that we arrived in Chavez Ravine. The view from historic Dodgers Stadium is stunning. From the vista over Downtown Los Angeles on the 110 freeway side of the parking lot, to the view of the mountains behind the centerfield wall, to gates of the stadium itself, it is nonstop pretty.
Relishing the feeling of just being at the ballpark – and the view from my stylists' season seats in the second row of the upper deck right behind the plate! – I took a few photos of the warm ups while the light was still good. It is not surprising to see Dodgers and Angels hanging out chatting before the game. How many players have moved along the 5 freeway switching the red hat for the blue one or vice versa? How many sets of brothers have we had playing against one another in these match ups? Exactly.
Of course, then the Dodgers took the field and they read the lineups. Albert Pujols at first. Ervin Santana on the mound with his trusty catcher Bobby Wilson. Good, good. All very good. Alberto Callaspo at third, Erick Aybar at short, Torii Hunter in right. Very good. Bobby Abreu in left, Vernon Wells in center and Maicer Iztuis at second??? Okay, so we're playing with the B+ team today. Ho hum. And, sad to say, I knew this was going to be one of those Spring Training games where we didn't push very hard just from that fact alone. I'm not saying the B+ team can't win games, just that in an exhibition game starting with the B+ team on the field (no Fleet Pete in center, no white hot Kendrick and Trumbo bats in the lineup in and around Pujols') when you know that, as the innings progress, we're going to switch to the B, B- and C+ teams for practice? Exactly.
Oh well. Being at the ballpark is seldom if ever a bad time. The group of season ticket holders around my stylist's seats is really nice. We told them not to mock Sue too hard over our red hats as she had already given me plenty of grief over them and that got some laughs. They all greeted one another with a cheery "Happy New Year!" in honor of the new season. I love it! And there were a few a great plays to enjoy even as parts of the complete A team languished in the dugout.
What do you want, it was a weird little exhibition game. They played nine full innings even though the Dodgers had already won, just like the day before when the Angels had already won, because that's what the managers wanted. The Dodgers were even nice enough to let the pinch hitting Kendrys Morales bat a second time, calling him the DH that time which so funny over the National League speakers. That's why I say, as much as this is a rivalry, it's a relatively sibling like one. Eventually we saw more of the A team come back out to join the rookies, though I must say in a Regular Season game I would prefer to have both Trumbo and Pujols' bats in the lineup rather than having Trumbo replace Pujols.
Loss and all, it was still a fun evening and a nice little tide me over until Friday's season opener. And while I do love Angels Stadium more, we certainly don't have anything like this view:


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Intended for use with hand-dyed wools, this pattern is adaptalbe for fusible applique with other fabrics as well.
Designed by our staff !
Pattern exclusively ours! Made in Alaska!
Finished measurement is approximately 22 x 29.5"
Use as a table mat or a wall hanging or incorporate into another quilt. A show stopper!


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Easy Thanksgiving Centerpieces
Fruit and greens
Place pillar candles, evergreen branches, pinecones and clementines on a beveled-edge mirror for a nature-inspired tabletop arrangement.
Casual and inviting
Keep the look of your Thanksgiving centerpiece casual by repurposing vintage Bundt cake pans. We turned one into a vase for stems of ilex berries by putting a small glass of water inside the hole. An upside-down pan works as a stand for apple pie. Finish the arrangement with an heirloom pumpkin sitting on top of grevilea, an evergreen plant available at local florist shops. Pine or spruce branches work just as well, look stunning as an alternative, and save you a car trip and money if you've got some in the backyard.
Pretty in white
For a simple tabletop arrangement, place mini white or orange-stripe pumpkins on white candlesticks and dishware. A bittersweet branch in a vase adds a punch of bright color. Fill in with gourds to complete the elegant display. (The little orange-stripe gourds are called 'Lil' Pump-Ke-Mon'.)
Nature's invite
Wood rounds give a rustic yet modern spin on traditional chargers or placemats. Sprigs of greenery and tiny pinecones on the napkin rings continue the nature theme. Cut herbs dress up flower pots.
Brass accents
It's all about the brass on this table. Gather old brass serving dishes and make them do double duty by planting big-box store succulents in them. Bosc pears and mini pumpkins enhance the scene. Placed pieces on top of wide burlap ribbon, the type sold at crafts stores, for a pleasing contrast between the shiny brass and the rustic texture of the ribbon.
Tiered bounty
To create this tiered Thanksgiving centerpiece, press dahlias, fruits and vegetables into water-soaked florists' foam on a tiered fruit basket or cake stand lined with plastic. Our centerpiece includes figs, pomegranates and grapes.
Orange-and-white beauty
White pumpkins encircled by bittersweet vine and set along an orange table runner create a striking table arrangement.
Succulents and silver
Succulents (purchased from a big-box store) inspire a color palette of greens and purples in this Thanksgiving centerpiece. Vintage silver serving dishes add a bit of shine. A tray unifies the decor when smaller vases and serving pieces are on it. Purchase an ornamental squash and red grapes at a local grocer and add dried hydrangeas for a bit of height.
Seasonal abundance
Complete this fresh Thanksgiving centerpiece with a single trip to the grocery store and a little creativity. Carve out the center of a head of purple cabbage and fill the space with florists' foam or a small vase and water. Fill the opening with your favorite blooms, and surround the cabbage with small artichokes, spiky lettuce and colorful berries.
Easy maize
Maize and wheat create a simple Thanksgiving centerpiece that harkens back to the origins of the holiday. Place dry floral foam in a galvanized pail or bucket so that it sticks up over the rim an inch or two. Insert wheat stalks into the foam. They should fan out around the edges of the container. Top with multicolor ears of maize. For festive place settings, attach a name card to an extra cob set on each plate.
Holiday glow
White pumpkins and small succulents set a serene Thanksgiving scene. Hollow out the center of a few pumpkins to make room for a vase of flowers or a flickering candle. Use slices of wood-bark intact-as raised platforms down the center of the table.
Edible arrangement
Everyone loves pie at Thanksgiving, so why not incorporate it into your centerpiece? Place pies on pedestals or cake stands at different heights. A birch trunk makes a pretty, natural pedestal. Fill in with leaves and fruits. Use small paper flags to label pie flavors.
Souper scene
Fill a tureen with water-soaked florists' foam and a colorful combination of fall flowers and gourds. Dahlias, mums and scabiosa centers were used here along with a few dried gourds.
Small pumpkins and gourds spilling out of a cornucopia create a lush seasonal look on your tabletop.
Natural beauty
A love of nature inspired this Thanksgiving centerpiece. Slabs of wood elevate an heirloom pumpkin. These slabs are wood chargers you can purchase online, but you can also find wood slabs in various sizes at Save-On-Crafts. Gather driftwood to surround the pumpkin, and place woodsy-looking flowers, such as yarrow, kangaroo paw and grevilea, in a small glass of water tucked inside the wood.
Harvest table
An easy grouping of seasonal items and colors brings autumn to your tabletop.Orange and white pumpkins plus yellow chrysanthemums in a sunny yellow container create an eye-catching centerpiece. Elevate some of the pumpkins for added flair.
Naturally simple
Pears, nuts, fall leaves and wheat grouped in a wire bowl form a pretty centerpiece that celebrates autumn's bounty. Accent the display with a solid-color table runner and chartreuse Hypericum berries grouped in small glass vases or cups.
Thankful tree
Decorate your table or mantel with this simple centerpiece. Spray-paint a branch white and nestle in nuts inside a tall, clear vase. Tie on construction paper or foam leaves with the names of family and friends and what they are most thankful for this year.
Soft touches
Amidst an eclectic mix of plush, wooden and glass pieces, a tall vase of deep red leaves draws the eye. The palette of the Thanksgiving table setting complements the baby blue stripes on the love seat; the soft white mini pumpkins coordinate with the rest of the surrounding furniture.
Corn place setting
Braided ribbon holds dried corn in a cloth napkin for a simple place setting.
Harvest holder
Turn a small pumpkin into a candleholder by carving out the middle. Hot-glue mini pinecones and berries around the pumpkin top then surround with larger pinecones, gourds, mini pumpkins and moss. Corral the grouping with birch branches. To add more fall flair, hang mini pumpkins from a twig tree at each end of the table.
Small world
An old globe becomes a unique display vessel when you separate the hemispheres. To create a seasonal look, place pinecones, acorns, seedpods, small pumpkins and bittersweet inside the "bowl." Elevate it on a short candleholder, cup or vase. The centerpiece is a pretty reminder to be thankful for our world and environment.
Flowers under glass
Just flip unused flutes and wine glasses over flower buds for this easy last-minute centerpiece. Place on top of a decorative charger or tray. For a long-lasting arrangement, use artificial flowers.
Autumn glow
To create a low centerpiece that encourages conversations even across the table, group fall-hue pillar candles of different heights on top of a wood cutting board. Finish the look with dried oranges, fall gourds and bittersweet. For coordinating place settings, top each napkin with a single fall leaf, and tie a velvety ribbon around the middle.
Bountiful tabletop
Create a beautiful table display that shows off the bounty of the season. Cylindrical vases filled with birdseed provide a sturdy base for branches from which small pumpkins dangle on bits of twine. Between the vases, hollowed-out gourds hold candles as well as berries. Finish the look by arranging berries, pinecones, gourds, branches and moss around the vases.
Uplifting arrangement
Put white gourds on pedestals for a fun last-minute autumn table topper. Repurpose old table legs and balusters as low pedestals (shown here), or try candleholders, cake stands, goblets or clay pots. A bright table runner ties it all together.
Quiet country
A bunch of hydrangeas overflowing from a single vessel adds understated elegance to an autumn table. Emphasize fall's bounty by placing green and white gourds around the arrangement and flanking it with lanterns.
Easy fruit box
Use a wooden box to serve as a centerpiece. Fill the base with dry floral foam, then tuck mixed evergreens throughout. Attach citrus fruits, such as oranges, lemons and limes, to floral picks, and tuck them into the greenery. For the clove patterns, use a pencil to draw spirals or other designs on an orange, then poke whole cloves into the skin at evenly spaced points.
Pretty place cards
Focus on each guest with a handwritten place card that's decorated with a twig of orange-red bittersweet. Holiday-shape chocolates at each place setting will sweetly draw guests' attention.
Colorful bunches
Fall-color blooms and berries in round glass vases brighten an autumn table in minutes. Try spicy-hue orange chrysanthemums, bittersweet, marigolds, poppies or zinnias.
Pumpkin vases
Turn white 'Lumina' pumpkins into pretty fall containers. Remove tops and hollow out pumpkins. Insert containers to hold floral arrangements and water. Cattails, fall leaves, seasonal berries and orange tulips create a sophisticated mix.
Color burst
Combine dried and fresh flowers for a striking display. Light pink-and-green hydrangeas form a base for bold hot-pink peonies (dried with silica gel) and red bittersweet.
Corn candle
For a last-minute Thanksgiving centerpiece, place candles inside clear-glass vases and fill with yellow corn kernels or popcorn kernels. Enjoy the simple glow.
Go nuts!
Surround a sweet arrangement of roses (or other flowers) with different kinds of nuts -- Brazil nuts, walnuts, hazelnuts -- for an easy table topper that doubles as a snack.
Easy does it
Create a centerpiece in minutes with three pumpkins (of various sizes) arranged on a cake stand. White 'Lumina' and orange-stripe 'Lil' Pump-Ke-Mon' look simple and sophisticated.
Family tree
Make a family tree, literally, by hanging photo "ornaments" on a potted tabletop tree. Clip photos directly to tree branches or hang from twine or string. For added color, cover potting soil with red cherries or mini gourds.


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If you need a better look, click on the pictures to enlarge them.
1. This picture is from:
(A). A promotional piece for Extreme Cage Fighting, 2011
(B). A "don't litter, or else" public service announcement.
(C). A notice not to pick up hitchhikers.
(D). The Halloween costume your kid wanted last year.
(E). An advertisement for a narcotic pain killer.
2. This is:
(A). A polar bear. What kind of stupid question is that?
(B). A commercial for the new show on Animal Planet.
(C). What are those red lines... Wait a minute! Do polar bears really have a tail covering their butt? I better google that.
(D). An ad for a new treatment for shingles pain.
(E). A and D.
3. This is:
(A). An ad for a rustic fishing supplies shop.
(B). The symbol for the new "Jesus loves you and your aquarium" campaign.
(C). From a fish conservation group.
(D). The new logo for Osteichthyes Bank & Trust.
(E). In an ad for a muscle relaxant.
4. This makes me think of:
(A). A promo for "Beauty and the Beast"
(B). Do Halloween and Valentines fall on the same day this year?
(C). OMG! Simba killed a florist!
(D). Aslan is "in the mood."
(E). Yet another ad for an expensive painkiller.
5. This next picture is:
(A). That guy you owe money to.
(B). An ad for World Championship Wrestling
(C). Wow. Bobby Knight sure looks different these days.
(D). The neighborhood chiropractor.
(E). An ad for the same narcotic as picture #1.
In case you didn't guess, (E) is the answer to all of them. And no, I'm not in marketing. I have NO IDEA WHATSOEVER where they came up these pictures. But I want to hire the guy in #6 to work as my office bouncer. And yes, polar bears really do have small tails.


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Porn: As one of the more prolific porn reviewers online, Don prefers technical quality over dark, shadowy movies in almost all cases. There are those who would prefer seeing shadows thanks to piss poor lighting but Don isn't one of them (and gonzo is not above scrutiny in terms of needing properly lighting and camera work no matter what you hear from reviewers elsewhere).
Don currently reviews a large selection of porn for DVD Talk and can be reached at his regular email found on all of his reviews. If you have questions, comments, or general complaints about his reviews, by all means email him with constructive criticism to tell him what you want to see in the future or to help him correct mistake that he admits to making.
Currently, Don writes and co-edits the Blue Room column and any submissions or suggestions for future articles, spotlight performers, or other material can be sent to him via email. If you'd like movies reviewed though, send an email to [email protected] since Don tries to focus his energies on bringing you the latest reviews (with a whole lot of help from his fellow writers who are often substantially more knowledgable in their specific fields of expertise) instead of setting up accounts with people.
Oh, and for those in the industry that get their panties in a wad about perceived criticism of their work, let it be known that Don has long held the following quote in high regard:
"Dare greatly. It is not the critic who counts, not the man who points out how the strong man stumbled or where the doer of deeds could have done better. The credit belongs to the man who is actually in the arena."
Theodore Roosevelt


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Developer's Reading List, May 22, 2012 The most interesting books of the last month, selected and reviewed by Dr. Dobb's editors.
The C++ Standard Library, 2nd Edition
Nicolai Josuttis
This is a second edition of the classic tutorial and reference on the C++ Standard library, updated for C++11. Unlike many books that cover libraries and APIs, this is not just a glorified explanation of a bunch of function calls. Rather, it breaks the standard library (particularly the STL) into sensible subsections and explains the fundamental approaches taken in the design of the components treated in the section. Only then does the author get into the APIs in detail, ending with a summary of all the other methods that might be useful, accompanied by short explanations. The section on containers is a masterpiece of explanation of design, internals, application, and comparison between the various choices.
The discussions are cogent, clear, and remarkably informative. For example, the chapter on STL function objects and lambdas spends 12 pages just explaining what function objects are and why you'd use them. Only then does the author explain the predefined function objects (another 12 pages). At that point, he's laid the groundwork for the final discussion: the journey into lambdas. And so it goes for more than 1,000 pages all told. The explanations are often illustrated by short, complete programs that highlight an important point, so you can see exactly how a function might be used or applied.
The first edition of this book is considered by many C++ programmers to be a true classic. I see no reason why the second edition should not follow suit. Highly recommended both as an upgrade to the first edition and as a new volume to readers unfamiliar with this work.


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CBD Capsules Pills Benefits You Need To Learn About
With the topic of whether cannabis should be legalized or not, a lot of interest has been shown on two compounds found in cannabis - the THC compound and the Cannabidiol compound that is better known as the CBD compound. Although these two compounds come from the same plant, their interaction and effects on the body differ quite a lot. As such, ideally they should not be treated as equals but rather considered on their individual merits. However, this has not been the case.
The main difference between THC and CBD is how they interact with our brain receptors. The THC compound has a high affinity to CB1 receptor, yielding a variety of effects such as anti-inflammatory and neuroprotective effects. However, they also yield a psychoactive effect, which creates the high effects. The psychoactive properties of THC reduce the overall health benefits accrued from the compounds.
On the other hand, the CBD compounds have a very low affinity for CB1 receptors. Instead, CBD has a high affinity to CB2 receptors thus the compounds interacts differently with our brains, yielding far more benefits whilst negating and keeping any psychoactive properties to a minimum. These properties form the foundation of the benefits that CBD Capsules pill consumer get.
Herein we will take an in-depth look at some of the health benefits you get from consuming CBD as well as some of the benefits that you derive from specifically consuming CBD in the of CBD Capsules pills. The benefits of CBD Capsules pills are inextricably linked with the benefits of the CBD compounds. As such, is it only right to have a thorough understanding of what you get from the CBD compound as well as what makes these pills a far better mode of CBD consumption.
The Variety Of Benefits We Get From CBD Oil Consumption
#1. Anti-Oxidant Properties - It is well documented that fruits bear ample supply of anti-oxidants in the form of Vitamin C. New research centered on the effects of CBD as anti-oxidant molecules reveal that the CBD is a powerful anti-oxidant. Additionally, various publish research article indicate that in most cases, CBD molecules are non-toxic for human consumption.
Anti-oxidants molecules are molecules that inhibit the oxidation process. Oxidation is a reaction which yields free-radicals that cause a chain reaction with stored food particles, leading to the deterioration of the food particles as well as body cells. Therefore, CBD can be used to maintain proper health of cells, promoting wholesome body health.
#2. Alleviation/Treatment Of Depression And Anxiety - It should be noted that CBD and THC work in opposite directions. While the THC compounds increase psychoactivity, the CBD compounds work to counteract psychoactivity. This property of CBD has been shown to help in treating depression as well as anxiety. Additionally, the CBD compound is vastly effective in countering the degradation of anandamide, a compound in our bodies that has been associated with feeling less anxious. Therefore, CBD works perfectly to not only counteract excess psychoactivity that may cause depression and anxiety but also protects the compounds that are responsible for maintaining that feel-good feeling.
#3. Reducing And Negating Cigarette Addition - In a study conducted on the ability of CBD to reduce dependency on cigarettes, 24 smokers were chosen with a group being given an inhaler with CBD molecules whilst the control group were given the placebo inhaler. The group that used the inhaler containing CBD experienced a reduction in the amount of cigarettes consumed by as much as forty percent whilst the others experienced no changes. This evidence points towards CBD being capable of reducing cigarette-based nicotine, thus helping smokers to withdraw from smoking.
However, these are not the only benefits that you can accrue from the CBD. Being a Polypharmacological (which means that CBD interacts with various parts of our bodies and yields a variety of effects), the compound is more than capable of treating a variety of ailments. Some of them include cancer, motor disorder, epileptic disorder, obsessive-compulsive disorder, chronic pain, neuropathic pain, lupus, and Parkinson's disease.
The Various Benefits Of Consuming CBD in The Form Of CBD Capsules Pills
#1. No odor - Whilst CBD comes in a variety of forms and products, only the Capsules option offers low to near zero odor emission. The CBD comes in a as Capsules capsules are entirely self-contained. This means that there is no emission of smells whatsoever, thus making it very easy for individuals with smell sensitivity to consume CBD.
#2. Capsules Are Enteric-Coated - The majority of the pills that are commercially available are enteric-coated. The enteric coating ensures that there is a timely release of CBD in the intestines, whilst negating the exposure of the CBD consumed to the gastric acids. This ensure the integrity of the CBD ultimately absorbed by the body.
#3. Ease Of Storage - Another benefit of these pills is the ease of storage. Unlike CBD oils or other products that are a tad difficult to carry with you, the pills are very easy to carry. The Capsules pills are highly portable since they can be stored in a variety of environments, whilst still maintaining the integrity of the CBD concentrate in the pills. Ease of storage also means that they are very easy to transport. They are not bulky in any way and more often than not, they consume the least amount of space of any CBD product in the market.
Therefore, with the CBD Capsules pills, consumer get a product is safe, easy to carry with them and considerably inexpensive.


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One in six American adults are still paying off student loans, according to a just-released survey by FindLaw.com.
The survey of 1,000 American adults who are not currently enrolled in school found 31% took out student loans. More than half (53%) of them are still paying off those loans, including two-thirds between the ages of 24 and 44. While the percentages drop as people get older, one in five people age 55 and older (21%) who took out student loans still owe money.
Most of these adults owe less than $25,000, with only 7% of them having outstanding balances of $50,000 or more. Seventeen percent of those polled said they still owe money on student loans taken out to help with their post-secondary education.
Only 47% of those who took out student loans say they have completely paid off their loans, with some of them having the loans discharged either through personal bankruptcy or fulfilling government student loan forgiveness programs for certain public service workers, teachers serving low-income areas or members of the armed forces.
Stephanie Rahlfs, an attorney-editor with FindLaw.com, said in a statement announcing the finding that "as the cost of a college education has risen, so has the number of graduates carrying a substantial amount of student loan debt." Ideally, she says, "students use their degrees to land well-paying jobs and quickly pay off their loans. But job markets are cyclical and careers don't always go according to plan. Student loans can be a big financial burden, but there are various options available to those who are unable to repay their loans."
– Check out these related stories on ThinkAdvisor:


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If you are thinking of using this image, please read this. Thank you.
If you decide to use this list below as navigation, then please avoid pressing the mouse button on the large picture above, as this will result in returning you to the main gallery page and not the next picture.


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Asset managers and broker-dealers keep rolling out new ways for financial advisors to tap into the lucrative yet daunting world of retirement plans.
On Tuesday, Loring Ward announced plans to host several webinars and a conference to help advisors develop and expand their retirement plan business.
"Lack of retirement readiness is a huge concern in the United States," said Heather Hooper, vice president of retirement strategies for the asset manager, in a press release. "Recent regulatory changes and all the moving pieces associated with a plan can be confusing for plan sponsors, and they need help from advisors to make good decisions that support this important benefit."
The asset manager will host webinars later this month highlighting best practices, key marketing strategies, effective sales presentations and how to communicate what an advisor can bring to a retirement plan and its participants.
In October, Loring Ward will lead a symposium on the retirement-plan marketplace at the University of Chicago. The event is open to all advisors, though space is limited.
News about these programs comes two weeks after LPL Financial (LPLA) said it was partnering with fund giant Vanguard and Ascensus to give retirement plan clients access to LPL's Worksite Financial Solutions platform, which offers investors tailored financial advice and education, as well as and the chance to interact one on one with LPL financial advisors.
At the time of its announcement, the independent broker-dealer noted that the partnership should give LPL advisors the chance to provide services to more than 1,000 plans representing more than $2.1 billion in retirement assets.
The IBD went public with the program about one month after Nuveen Investments introduced Plan Profit (k)alculator, a practice-management tool for advisors to use when calculating profits made in the retirement plan market.
Many advisors avoid serving the retirement-plan market, Hooper explains, because they don't have in-house expertise. "With Loring Ward's ERISA 3(38) Fiduciary program, advisors can successfully address this urgent need," she said.
Loring Ward said earlier this year that it works as a turnkey asset management provider (TAMP) for about 850 RIAs and other independent registered reps using "neutral custodians," such as Fidelity, Pershing (BK), Schwab (SCHW) and TD Ameritrade (AMTD).
These relationships represent some $8 billion in the client assets managed by the San Jose-based TAMP, which is expanding its work as a strategist for 800 other advisors affiliated with independent broker-dealers like Royal Alliance and Securities America; this work represents nearly $1 billion in client assets under management for the asset manager.
Check out LPL Makes Retirement Plan Deal With Vanguard, Ascensus on ThinkAdvisor.


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Like just about everyone else in Cupertino, the city's planning commission really likes the Apple Campus 2 project.
The commission gave a big thumbs up to the project on Oct. 2, paving the way for a final vote of approval by the Cupertino City Council on Oct. 15.
Residents and business leaders filled the city's council chamber last week to once again hear details about Apple's eye-catching new home. The planning commission's meeting came one night after a shared study session with the city council and an overwhelmingly pro-campus audience.
The proposed 176-acre campus will take over much of the former Hewlett-Packard campus bounded by Pruneridge Avenue, Homestead Road, N. Wolfe Road and N. Tantau Avenue. The project will see the demolition of roughly 2.66 million square feet of existing office, research and development buildings and the construction of 3.42 million square feet of new office space, as well as a 1,000-seat auditorium, fitness center, valet parking center, utility plant and parking structure.
Dan Whisenhunt, Apple's director of real estate and facilities, detailed the project to residents and commissioners during a short presentation. Whisenhunt said the former HP campus, with its "outdated buildings in a sea of asphalt," will transform into 80 percent green space with plenty of nods to Santa Clara Valley's agricultural past.
Despite the project's massive size, vast landscaping and intricate detail, the main sticking point of discussion during the commission's hearing was on a proposed Apple employee exit from the campus onto N. Wolfe Road toward the Interstate 280 onramp. The proposed exit will have three left-turn lanes, a feature Apple has indicated is key to moving the project forward, according to Cupertino city staff.
There is concern that vehicles leaving the campus could resort to weaving dangerously onto N. Wolfe Road between the driveway in their attempts to get into the proper lanes bound for Interstate 280. The city and Apple are proposing to monitor the lanes for traffic violations and unsafe driving for nine months.
City staff is also suggesting a penalty system that would see Apple pay $500 for each weaving car or traffic violation during rush-hour traffic. The number of violations will be determined by an independent observer based upon review of video footage.
The commission endorsed the three-lane system and the monitoring plan, but shot down the penalty suggestion.
"By charging the fine, it's sort of like sticking your finger in their eye. I think it will accomplish nothing in terms of resolving this problem," Commissioner Paul Brophy said.
The commission also endorsed a plan to work with the nearby Cupertino Village Shopping Center's property owners to possibly eliminate or alter a driveway that is directly north of Apple's new main driveway on N. Wolfe Road.
Cupertino officials expressed concern that drivers exiting the shopping center might try to maneuver across the three lanes to get to the left-turn lanes or make a dangerous U-turn. Staff is also concerned that rush-hour traffic could even block access to the driveway altogether, resulting in impatient drivers merging into traffic when there are insufficient gaps.
To further mitigate traffic impacts, Apple plans to get more than one-third of its employees using its charter bus program or taking some other form of transportation to work. Currently, 28 percent of Apple employees travel to work using something other than their own car.
"It's an aggressive goal, but one we think we can achieve," Whisenhunt told the commission.
The Core
Apple employees are currently spread across 80 buildings in the city, with about 3,000 calling the main Infinite Loop campus home. The new campus will see the 16,000 Apple employees in the city grow to 24,000 upon completion, Whisenhunt told the commission.
Getting many of those employees into one area is a major genesis for the project. The 2.82 million-square-foot circular building–dubbed the "idea factory" by Whisenhunt–will house all engineers and creative groups under one roof to further collaboration on projects. The building will have a central garden with outdoor dining areas, walking paths and a centerpiece water feature.
Roughly 300 species of trees will be planted, and many of those trees are already growing in nurseries across California, Whisenhunt added. In total, Apple will remove 4,501 trees and plant 6,200 new ones. Approximately 90 trees will be relocated from the current HP site, including a memorial tree planted years ago to honor an HP employee.
The landscape will be designed to echo the look and feel of the local foothills, according to Cupertino city staff. There are plans to serve food grown in the campus' orchards in dishes prepared at on-site restaurants and cafes, according to city staff.
Improvements around the campus will include new bike lanes, landscaped medians and traffic signal upgrades.
A good portion of the excavated materials from construction will be used to create berms around the perimeter to screen the buildings and keep prying eyes away from the campus. A welcome center will be set up near Pruneridge and N. Tantau avenues and could be the home of some public art.
The project will be built in two phases with the ringed main campus, auditorium, fitness center, parking structures and central plant rising first. A second phase will see office and research development buildings built along with a smaller parking structure. The design for these buildings is in the conceptual phase, according to city staff.
The city will see quite the financial windfall, too. Apple estimates that property taxes will more than double to $57 million due to campus development. City tax receipts will go from $9.2 million last year to about $13 million in 2014 once the campus is approved.
The project will also generate $45 million in one-time revenue for the city solely due to property sale, construction taxes and various construction fees. For those outside city hall, Apple is estimating the project will generate 9,000 jobs, most of which will be union labor.
Despite the commission's recommendation, the city council will have final say on all matters during the Oct. 15 meeting. A second reading of ordinances is also tentatively set for Nov. 19. All meetings are open to the public and begin at 5 p.m.
If approvals go smoothly, Whisenhunt told the planning commission that construction could take 32 months, with employees moving into the campus at some point in 2016.
Brophy closed out the commission's meeting by suggesting that Apple's desire to build an unorthodox and expensive new home is both an endorsement for the company's future success and for the city.
"It's not really so much a real estate investment as it is an all-in bet that the company is willing to put billions of dollars into a structure that will not be just a roof over the head of employees, but provide an environment in which 10, 20, 30 years from now products will be developed that we can not even imagine today," Brophy said.
"I think we should be proud to have that kind of company that has that kind of optimism and ambition. It's also a multimillion dollar bet on Cupertino, that Cupertino will be the kind of place that employees will want to live in and work in. We're grateful for all that."


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Sorry for being sort of absent. The last week has been long and draining. We've been to too many doctors with still another appointment tomorrow.
Our sweet little Israel has been growing and changing but according to the doctors not everything is the way it should be. I can tell you that we've experienced deep depression and still great joy in the midst of all that's been happening!
I've been really wrestling with how to address this in a blog setting, how open should I be and what do I keep private? I'm still unsure, to be honest. I do think you should at least have an idea of why I have been or may be sporadic with my posting. The blog is still very important to me and I don't see myself giving it up any time soon. Just know that we're still here and I will try to keep you updated as much as possible as things change.
Israel is nearly 18 months now, full of life, curiosity and laughter. We thank God for him daily.
Other Stories
51 comments:
We are praying Jennifer! God is able:):)ReplyDelete
- LeoneMarch 24, 2011
I am praying.ReplyDelete
I can understand you, i have a little boy of eigth month old and following you and Israel for almost a year... i can not imagine what you must going through. I hope everything is going to be fine,ReplyDelete
I´m sure. Don´t worry for the blog, we´ll be waiting for you.
You have all our support.
Thinking of you and wishing you and your little family all good things.ReplyDelete
- AnonymousMarch 24, 2011
don´t know you or what happens to your sweet little son. So I can only talk in general. I wish you and your family strength and trust for all you have to face. Almost no single life - seen in the whole of its length - will be lived without sunshine a n d moon. All the several shades belong to life. We all know that but in most of our cultures it isn´t so common to talk about. I have made the experience that talking about gives everything the space to be instead of denying it what costs much more strength. The strength you need otherwise. And wonder belong to life, too. Wish you all the wonder you can hold :o)).
Ally and Polly
Wishing you strength and resilience.ReplyDelete
All the Best,
Thank you for being that open; it shows a lot of strength! Life is a journey with ups and downs and keeping that out of blogging or art would feel kind of artificial. On the other hand, we need our secret corners to hideaway. I think you've done exactly the right thing. Looking at Israel, he will make his way. With the love of his parents, everything will be good!ReplyDelete
oh poor thing!!! well, you should really think about what your heart says, if it says to share, go ahead... if it says to keep private, we will understand and be here as well! i just hope everything will be just great with little israel, he is so sweet! sending you love and happy thoughts all the way from lisbon :) twiggsReplyDelete
Thinking of you and your family and hoping everything turns out well. xxxReplyDelete
Thanks for sharing.ReplyDelete
My heart goes out to you and your family.
Wishing you all the best,
And also, what a beautiful little boy! :)ReplyDelete
oh, sending you a huge hug and lots of love. you are wonderful, and israel is such a little darling. sending you so much love. xoxo joannaReplyDelete
Israel looks like such a cool kid -i know you will all keep strong.ReplyDelete
Lots of hugs and thoughts to you and your family!
love you heaps, take your time, HE is so worth it!! praying for you & excited for the days ahead!ReplyDelete
I am praying for you and your beautiful family. Do not lose faith, and take the time you need, we all understand, family is first priority. God bless and thanks for sharing.ReplyDelete
Whatever you are going through...go through it. Go through it however you need to whether that's sharing it on here or not. No apology needed for being absent, do whatever you need to! Much love your way!ReplyDelete
Sending you lots of love and good energy!ReplyDelete
I don´t know what to say. It´s worst when your child is having something wrong. Lot´s of hugs, energy, nerves to all of you. I hope he´ll be fine.ReplyDelete
I am brand new to your blog, this is my first time visiting. I am sorry to hear about your beautiful Israel, I will be praying for you and your family--peace in your mind, strength in his development and overwhelming joy in each smile you see from Israel.ReplyDelete
Sending you love.
- AnonymousMarch 24, 2011
your sweet baby boy is beautiful! sending you love and hugs.ReplyDelete
i hope everything will be okay & i'll be thinking of you.ReplyDelete
Im in agreement with Simply Grove!~ God is able. What a sweet sweet boy. I love those pictures of him.ReplyDelete
xxx hope you got my emailReplyDelete
Sending lots of positive thoughts your way!ReplyDelete
Oh gosh. i will be praying for you guys. Strength, joy and peace. xoReplyDelete
Sending hugs and prayers!!!! xoReplyDelete
Oh, dear. I'm sending every good vibe I've got your way. xo!ReplyDelete
Keeping your sweet Israel in my thoughts and prayers. And wishing you strength. xo & hugs.ReplyDelete
i am sending lots of love to you and your family. don't worry about the blog, its true, we will all be waiting here for you, supportive and with open hearts.ReplyDelete
sending love and prayers. wishing you strength and faith. enjoy your precious and adorable little boy. things will be however they will be.ReplyDelete
you will all be fine.
- AlisonMarch 24, 2011
Thanks for sharing--will definitely be praying for you guys.ReplyDelete
Will keep you all in my prayers!ReplyDelete
New to your blog and keeping your family and son particularly in my thoughtsReplyDelete
so sorry to hear this. your little family - and israel especially - will be in my thoughts and prayers.ReplyDelete
We too have been to many doctors lately. Thinking of you and sending best wishes your way.ReplyDelete
Hi there. I have been following your blog for sometime. Our sons are almost the exact same age. Thinking good thoughts for you all.ReplyDelete
Thinking of you and your family and hoping that everything with Israel will be OK! XOXOReplyDelete
O I am so sorry to read this!! I pray that everything goes smoothly with future doctor appointments! Know that the blogging community is behind you :)ReplyDelete
- AnonymousMarch 25, 2011
i am going through something very similar, and my little mickey has that same tshirt israel is wearing here!ReplyDelete
my husband and i were, for a while, in deep deep depression. but then one day i woke up and realized - before i knew mickey wasn't developing "normally" i thought he was the best most amazing kid ever! and he thrilled me! and i thought he couldn't get any better! and the truth was, I STILL FEEL THAT WAY! so i decided not to let anything ever get in the way of that feeling, and every morning i wake up overjoyed at my amazing child and honestly, do not care if he is the same as other children. he may be different, but we don't care, we wouldn't trade him for the world! and we don't feel the sadness at all anymore.
but, i know this feeling you are having, and my heart is literally pounding in my chest right now as i almost relive it by reading your post. hang in there, and love that little boy, he is SO cute! i have never posted on your blog before but i do follow it, and love seeing the adorable photos of your boy!
just remember you don't love him any less, and that will really help lift your spirits. enjoy him the way you always have. i hope that he is healthy.
Anonymous-Thank you for sharing that!ReplyDelete
We've come to the same realization, I love what you said. Thank you so much for leaving this comment. Please feel free to email me whenever, it's such a support to hear from others who know where you've been.
Thank you to everyone else for your comments, it means so much!
I am so sorry to hear this. Before I had my baby boy I never knew what real worrying is. It the worst when there is something 'wrong' with your child. I am sending positive vibes to you, to your beautiful little boy and to you family!ReplyDelete
I will say a prayer for little Israel tonight. Strength and peace of mind to you and your family.ReplyDelete
Somehow I missed this post and am just now seeing it...but wanted to say that I am praying for your family...as well as wisdom for the doctors. Our God is big and will take care of Israel, hopefully you can rest in that knowledge. He is such a sweet looking boy :) Thinking of you...ReplyDelete
I'm so sorry to hear about your troubles and worries. You have a whole community of people thinking about you and hoping for the best!ReplyDelete
Thank you for sharing your story with us. Israel is beautiful. Sending you lots of love and strength and good vibes to help you and your family pull through this difficult time.ReplyDelete
Jennifer -ReplyDelete
Somehow I missed this post, I'm not sure how. I can only imagine how you must be feeling. I am not a mother, but I love Kai and Asher as though they were my own, so it's the closest thing I know. If either of them were ever dealing with anything, I know I would be sick with worry and heartache.
As everyone else has already said, you are wonderful parents and have created a loving and happy life for Israel. You are already being exactly what he needs.
We are all here for you. Sending you both love and little Israel big hugs!
I have a 16 month old baby myself and I can only imagine what your going through. I wish you and Israel the best.ReplyDelete
- khadijahMarch 30, 2011
I have been following your blog since my pregnancy with my now 9 month-old son and enjoy watching Israel blossom into such a lovely little boy. You are in my thoughts and we will be wishing you and Israel the best and praying that everything will be ok.ReplyDelete
i've just started following your blog and it's lovely.ReplyDelete
this beautifully heartfelt post broke my heart. your little israel is so beautiful! wishing you peace and love as you go through this time. xx
as a mother myself, I can only imagine what you and your family must be going through. having gone through a divorce and the flowering of a new relationship - I can see how it would be hard to decide what to share and what to keep to yourself. I think that you will find support and love in your readers if you chose to share; and respect for your decision should you chose privacy. Somehow, knowing that there are people out there thinking of you and Israel may give you comfort. You're all in my thoughts.ReplyDelete
Sometimes the unexpected can lead to more joy than you might have otherwise...he is obviously a wonderful little boy and will be able to handle any challenges with parents like you behind him. I pray for his health and your family's peace.ReplyDelete
Thank you for your comments, I love hearing from you!
Questions, comments or sponsorship inquires, please contact me via the 'contact' link.


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Take your pick: the free markets are in their death throes, or we are in the middle of the biggest bull market we'll ever see.
Opposing views from global free-market bear Ian Bremmer and U.S. equities bull Richard Bernstein kicked off the sold-out Investment Management Consultants Association (IMCA) conference in New York on Monday.
Eurasia Group founder Ian Bremmer started the morning's events on day one of the two-day conference with his gloomy prediction that the future of the free markets is threatened by state capitalism of the sort used by the political leadership in China, Russia and the Arab monarchies of the Persian Gulf. Such authoritarian states are now successfully using markets to create wealth that helps them achieve political goals, said Bremmer, author of The End of the Free Market: Who Wins the War Between States and Corporations?
How has the United States responded? By investing in state-owned companies' enormous investment funds, which have become vitally important sources of capital for Western governments and banks weakened by financial crisis, Bremmer said.
As for banks' position within the U.S., Bremmer pointed out that "bankers don't look like the rest of the U.S.," and the forces of globalization are changing the political landscape at home—which explains why President Barack Obama got re-elected.
U.S. Changing as Fast as Rest of World
"The world is changing so much that Americans are much more likely to vote for people who look different from us," said Bremmer (left), who teaches at Columbia University in New York. He added that the greatest challenge for American society is the growing gap between rich and poor.
As an antidote to Bremmer's gloom, IMCA board director Tony Davidow introduced Bernstein with the guarantee that he would take a more positive view of the world—"and let's face it, we can all use some good news here," Davidow said.
True to his growing glass-half-full reputation, Richard Bernstein countered Bremmer's argument by asserting that he has good reason to be very bullish.
"We're in the middle of what is likely to be the biggest bull market of our careers, bigger than the 1982 bull market," Bernstein said. "Bull markets are not periods of wine and roses. They're periods of fear and indecision. That word uncertainty is like a billboard screaming at you that there are opportunities in equities."
'This Is a Decade of U.S. Equity Outperformance'
Bears now say that stocks are overvalued and that uncertainty is high, but overvaluation can't exist alongside uncertainty, Bernstein argued.
He then laid out his three essential market views: "This is a decade of U.S. equity outperformance; China is on the downside of a bubble, and Treasuries are the way to hedge a portfolio."
Yes, Treasuries. Bernstein believes that if anything is overvalued, it's hedge funds, not stocks. "All you have to do is say 'hedge' and the fees go up," he said. "You don't have to pay 2 and 20 anymore. All you have to do is hold Treasuries in a portfolio."
IMCA's sellout crowd numbered 900, and according to the association's database, 2013 represents the first time since 2009 that the conference is sold out—perhaps a reflection of IMCA members' near-term expectations. A total of 79% of members surveyed in January said they believe the economy will grow and 82% believe the stock market will rise in 2013.
IMCA's largest event of the year, the annual conference, will be held April 28 through May 1 in Seattle. Scheduled speakers include behavioral economist Dan Ariely, former TARP special inspector general Neil Barofsky and controversial analyst Meredith Whitney.


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The costs and impact to the country and its citizens in the wake of Tuesday's deal to end the government shutdown and raise the debt ceiling began to be tallied Thursday, as federal employees returned to work after more than two weeks.
"[L]et's be clear: There are no winners here," President Barack Obama said from the White House Wednesday morning. "These last few weeks have inflicted completely unnecessary damage on our economy. We don't know yet the full scope of the damage, but every analyst out there believes it slowed our growth."
Indeed, Standard & Poor's said a day earlier that the shutdown "to date has taken $24 billion out of the economy" and "shaved at least 0.6% off annualized fourth-quarter 2013 GDP growth."
Well-known prognosticators also weighed in. Writing for Business Insider, PIMCO's Mohamed El-Erian said investors "need only focus on three points: markets were delighted with the "what;" they are worried about the "how;" and the "how" matters going forward."
"Instead of decisively emerging from a damaging phase of political dysfunction, Congress appears still stuck in what game theorists would call a repeated game with suboptimal outcomes," El-Erian said.
BlackRock's Larry Fink told Bloomberg Television that "We are going to see a lower equity market and a longer period of lower rates" if earnings start to deteriorate in the fourth quarter following the stalemate.
Advisors, for their part, were addressing concerns by telling clients to sit tight.
"For the last month, in every client meeting it has been the No. 1 issue," said Jeffrey Heasley, executive vice president and financial consultant with Pittsburgh-based Private Wealth Advisors. "I tell them that had we actually gone over the cliff, it would have been a game changer, but this is really more about the panic surrounding a default than the effects of a default itself."
Heasley did say the increased market volatility created by the shutdown could "present opportunities going forward, but we haven't seen any yet."
To Chuck Bean and his clients, "it was a lot of political noise."
"We sent out a newsletter about a week ago and asked clients to hold tight because it's a political conundrum and it shouldn't have any impact on the portfolio other than some short term volatility," the president and director of wealth management with Boston-based Heritage Financial Services explained. "Our clients are totally cool with it. A small handful asked to go to cash, but we talked them out of it. They stayed fully invested and benefited as a result."
Paul Puckett, vice president and portfolio manager with 1st Quadrant Asset Management, a Virginia Beach, Va.-based RIA, said he hasn't heard from his clients about the shutdown.
"It's all about what you do before the crisis hits," Puckett said, alluding to the need to set expectations up front. "Clients tell me I say the same thing to them every January, which is 'How do you feel about losing 50% of the value of your portfolio by the end of the year?' Because that can happen in any given year. When it does happen, and the portfolio loses 30%, I call them and they say, 'cool, I actually thought I was down 50%.' Once the boat is rocking, it's too late to calm the passengers. If I do the extra work on the front end, I won't have to do it when the surprises hit."
Check out Bob Rodriguez Grades Obama, Calls Government 'Chaos' Top Threat on ThinkAdvisor.