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On Memorial Day, the nation paused to remember those who, in the words of Abraham Lincoln, gave "the last full measure of devotion." AdvisorOne honored those advisors and partners to advisors—and one famous non-advisor who influences the advisory world, PIMCO's Bill Gross—who served in the armed forces of the United States.
This is the third year we've published this slideshow that is meant, in a small way, to thank all those who served their country. For this Fourth of July edition we're featuring seven "new" advisors and four from previous Advisors Who Serve(d) slideshows.
We've created a special landing page for you to view our previous slideshows as well. The seven new people on the following pages responded to our call this year to share the particulars of their service—some in the past and some still serving—and, in most instances, some photos of themselves when they were in service.
Most telling to us, however, were the vets' responses to how their military service helped prepared them for their advisory careers. We began this series of slideshows in 2011 because anecdotally there seemed to be a large percentage of advisors, both men and women, who had served in one of the branches of the military over the years but in many cases had not received the appreciation they were due for their service.
The comments of this group on their military experiences speak for themselves—profound and humorous, patriotic and often self-deprecating, but humbly proud of their service as well.
(Check out previous Advisors Who Serve(d) installments from 2011 and 2012 for Memorial Day and Fourth of July.)
Name: John Grover Wilson
Title/Company: Managing Director, Senior Investment Advisor — Raymond James & Associates
Branch: USAF-retired
Rank held at beginning of service and at end: Lt. at beginning, Col. at the end
Service Dates: 1968-1992
Work you did: Fighter Pilot, F-4, RF-4 and others
Brief story that stands out from your service time: Hold the Air Medal (2) and Distinguished Flying Cross from serving in Vietnam. I'm presently the Chief Chaplain of the Volunteer State Veterans Honor Guard. In my spare time, I presided over 250 military funerals with honor. I am presently on the steering committee for the Medal of Honor Society Conference in 2014 to be held in Knoxville. Flew two tours in SEA. Funny story: I was a White House Social Aide during the Nixon administration.
Name: David S. Chang
Title/Company: President, CEO — WealthBridge
Branch: Army
Rank held at beginning of service and at end: Cadet; Major
Service Dates: 1998-2008 (Active duty) 2009 to Present (Hawaii Army National Guard)
Work you did: West Point Cadet, Armor Officer, Ground Scout Platoon Leader, Military Intelligence Officer
Brief story that stands out from your service time: I spent 15 months in Northern Iraq. The work hours were grueling but what made life bearable were the soldiers I served with, we were all one big happy family. I knew that my XO (executive officer) went to high school with Rachael Ray. He knew I was a big fan of hers, especially since I am an eater! During Christmas my XO brought me up to the front of our commanders and staff after a normal meeting and surprised me with an autographed photo of Rachael Ray made out to me! It was one of the best Christmas gifts I got, I am very appreciative that he took the time to reach out to her and she in turn took time to write to me. It was a definite morale booster!
Name: John Thomas Deutsch
Title/Company: Senior VP, Investments — Raymond James & Associates
Branch: U.S. Navy
Rank held at beginning of service and at end: Seaman to CWO(4)
Service Dates: 1962-1985
Work you did: Avionics Commissioned Warrant Officer W-4
Brief story that stands out from your service time: Too many great shipmates and funny stories for one to stand out but, late in my career, I served on the USS Coral Sea CV-43. Our Battle Group as well as the Nimitz's were stationed in the Indian Ocean in support of the Iranian hostages rescue attempt on Aug. 24, 1980. Tragically, the operation was unsuccessful and ended with the loss of aircraft and eight US service members. Memorably, I was walking on the flight deck with support attack aircraft fully loaded out after midnight when our Captain, Dick Dunleavy, announced on the 1MC that we would be standing down because of the failed outcome. That was one of the first publicized uses of special forces to effect U.S. policy objectives. Today, 30 years hence, both Iran and heroic special forces operators remain in our daily headlines and in my memory.
Name: Kevin Hott
Title/Company: Financial Advisor — Merrill Lynch
Branch: U.S. Navy
Rank held at beginning of service and at end: E1-E4/Seaman Recruit to Petty Officer Third Class
Service Dates: 1997-2001
Work you did: Gas Turbine Systems Electrician
Brief story that stands out from your service time: The first morning after arriving at Recruit Training Center Great Lakes I found myself being awoken abruptly by the Drill Instructor. He was screaming in my face, nose-to-nose, after I overslept by a "few minutes." I learned quickly when you're the only one not in formation you get the wrong kind of attention. While we were deployed in the Mediterranean, I remember the roller coaster of emotions we experienced when we all learned of the USS Cole bombing. Oh, and how can I forget the swim call we had in the middle of the Mediterranean? When you have folks jumping off the side of a destroyer into 13,000 feet of water it's not a pleasant experience when you're in the water and realize the ship isn't completely stopped. Name: David Latch
Title/Company: President — Frederick Advisors
Branch: U.S. Army
Rank held at beginning of service and at end: E-3, O-4
Service Dates: 1977-1999
Work you did: Aircraft Maintenance, then Medical Logistics
Brief story that stands out from your service time: I was nearing the end of my first enlistment and was unsure about re-enlisting. My NCIOC, whom I really didn't think much of, told me to write down the pros and cons of both staying in and getting out. Once I did that, I became a "lifer."
Name: James Schwartz
Title/Company: Senior Advisor — Strategic Wealth Advisors
Branch: U.S. Air Force
Rank held at beginning of service and at end: 2nd Lt to Captain
Service Dates: 1985-1997
Work you did: A-10 and F-16 Fighter Pilot
Brief story that stands out from your service time: The first year in the USAF was spent in pilot training near Del Rio, Texas. While learning to fly the T-37, student pilots must become proficient in acrobatics, including loops, barrel rolls and split-S's. The split-S is a maneuver where the pilot rolls the jet upside down then pulls back on the stick forcing the jet to fly straight down then continue to a level flight path heading the opposite direction (think of the second half of a loop). As I went through my split-S maneuver and the nose of the aircraft was going straight down toward the earth, my instructor, sitting to my right, said, "Jim, you better pull a little harder."
And so I did—probably a little too quickly and a little too hard. The G's (acceleration one feels on their body at the bottom of a roller coaster) increased from zero to 3, then 4, and finally 5. At 5 G's a 150-pound person weighs 750 pounds! Well, my instructor wasn't prepared for such a quick transition to 5 G's and he passed out! I finished my split-S back to level flight but it took my instructor some time to regain consciousness and figure out where he was (later he divulged to me that when he came to he thought we had crashed). At this point the flight was over (due to the loss of consciousness episode) and I flew him back to the base where after two days he was back in the saddle. As I look back at that incident, as a new student pilot, I have to say I was a little scared when I realized my instructor (the person I counted on to be there when I screwed up) had lost consciousness and it was up to me to bring him home. Name: Robert S. Peterson
Title/Company: Vice President, Investments — Raymond James & Associates
Branch: U.S. Army
Rank held at beginning of service and at end: Pvt. to Sergeant
Service Dates: 1970-1973
Work you did: Military Intelligence, Linguist
Brief story that stands out from your service time: I was trained as an interrogator and a linguist in Laotian. I spent most of my time teaching English to foreign nationals.
Name: Bill Gross
Title/Company: PIMCO - founder and co-chief investment officer
Branch: U.S. Navy
Rank held at beginning of service and at end: LT JG – Lieutenant, Junior Grade
Service Dates: 1967 – 1970
Work you did: N/A
Brief story that stands out from your service time: I arrived at the Pensacola Naval Air Station ready to fulfill my enlistment and ready to become a fighter pilot. And like all raw recruits, we were put in the capable hands of a drill sergeant. Remember, the drill sergeant's duty is to humiliate and harass us to the breaking point and beyond. And me, the cocky college boy, was so shaken by the experience that it was one of the military moments I remember most vividly. I spent half the night cleaning my rifle, and failing the inspections nonetheless. It took me so long to make up my bunk to my sergeant's specifications that I slept on the floor. I did push-ups and chin-ups and marched and ran obstacle courses but my sergeant was never satisfied. "You'll never fly a jet Mr. Gross!," he screamed. "BLIMPS are more your style!" I ended up flying neither.
Meredith Schneider
Title/Company: Principal — Schneider Wealth Management
Branch/Rank: US Army – 2nd Lt through Captain
Service Dates: June '92 – Aug. '96
Work you did: Platoon Leader, Maintenance Officer, S-1, Civil Affairs Officer
Brief story that stands out from your service time: I am honored to have had the opportunity to meet so many people from all over the country who served with great dedication. I will never forget the "Any Solider" letters we received while in Bosnia. Some days they were the only link to life outside of our tents since we had no phone, television, newspaper, Internet, and often no mail from loved ones. I remember a letter in particular from a young boy in Rhode Island who wrote in reply to a letter I wrote back to him. He wrote, "Receiving your letter was the happiest day of my life." Little did he know how happy I was to receive his letter of support.
Harold Evensky
One of the few people in the advisor community who is identified by one name, like a Brazilian soccer player, Evensky is the chairman and cofounder of the wealth management firm of Evensky & Katz in Coral Gables, Fla. He is the author of numerous books, is now an adjunct professor at Texas Tech University and among his honors has been membership of the IA25. But Harold is also a veteran, serving in the Medical Corps of the U.S. Army as a Captain from 1968-1971.
Joni Youngwirth
Folks from Commonwealth Financial Network know Youngwirth quite well, as do other advisors who have benefited from her practice management knowledge delivered in speeches at national conferences, or who have read some of her prescriptions in the pages of Investment Advisor, for instance.
They may know of her practical, disciplined bent when it comes to practice management, but what they may not know is that this partner to advisors previously served with the U.S. Air Force, rising to the rank of first lieutenant.
Youngwirth is Commonwealth Financial Network's managing principal, practice management, and a regular contributor to Investment Advisor.
Check out previous Advisors Who Serve(d) installments from 2011 and 2012 for Memorial Day and Fourth of July.
We know there are more of you out there who served, so please consider adding your name and story to the growing list of Advisors Who Serve(d) by filling out this simple questionnaire at AdvisorOne.


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"It's not what you earn, it's what you keep."
David Peterson's time-tested quip makes the case, succinctly, for tax-efficient investing, something on which he's an expert. Despite all that's happening, he says, many of the issues with tax-efficient investing have remained surprisingly constant in recent years.
"That's why I still think ETFs are one of the top tax-efficient investing vehicles," Peterson, managing director with United Capital Financial Advisers, says when asked about tax themes to watch for in the wake of fiscal cliffs, sequesters and everything else happening in 2013. "So many advisors point to separately managed accounts, but I've never really seen them perform well from a tax-efficiency standpoint."
He's not alone in his ETF admiration, as the combined assets of U.S. listed exchange-traded funds ended 2012 at $1.337 trillion, according to the Investment Company Institute (ICI). The increase in assets invested in ETFs showed a 27.6% gain compared with levels in December 2011. Granted, tax efficiency is only one of many reasons for the trends, but it's telling nonetheless.
ETFs allow you to "play games," he says, but not like one would think. By way of example he notes that, from a rebalancing standpoint, if the S&P 500 isn't performing well, the investor can sell 50% for a loss, thereby reaping the tax harvest. It can then be reinvested it in the Russell 1000 Large Cap Value or Russell 1000 Large Cap Growth indexes.
"Investors tend to put tax ramifications of an investment above the importance of portfolio construction, which is a mistake," Peterson adds. "They can actually combine the two by reinvesting in the same asset class and actually avoiding wash-sale rules. Experience the loss for tax purposes and rebalance for investing purposes."
Surprisingly (but accurately), he points to the fact that for the majority of investors, the capital gains tax rate did not go up, calling the controversy surrounding an increase "a lot of pomp, but not a lot of circumstance."
But for those that did see an increase, namely high-net-worth investors, "municipal bonds are surprisingly attractive, but investors should be careful about the specific municipality in which they choose to invest. I'm not really a fan of individual municipal bonds, because of a lack of liquidity. But ETFs that focus on the space offer lots of liquidity and low costs."
Peterson founded Peak Capital Investment Services with partner John Mumford in 1997. Formerly affiliated with LPL Financial, the firm was purchased by United Capital in 2011.
"It's been great," he says of the acquisition, before conceding, "If you had asked me a year ago I wouldn't have said that, because we were in the midst of transitioning. But United Capital did everything they said they would do. We would call and yell and then feel stupid afterward because they would simply say 'sure, we can do that,' and they would."
Check out more of AdvisorOne's 20 Days of Tax Planning Advice for 2013.
For even more tax planning advice, read 22 Days of Tax Planning Advice for 2012.

subset: commoncrawl


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The Hoy Family. Back row, left to right: Lona, Yvonne, May, Avaline, Anne, Rose, Star and Lily. Front row, left to right: Mooney, Jack, Lim Foon Hai Hoy, Irene, Chow Dong Hoy, Benny; circa 1939.
- CA Barkerville Historic Town BARK_1990.0003.1251
- Item
The Hoy Family in their front room of their house in Quesnel. This image depicts 1 man and woman (sitting), 10 girls, 2 boys standing in a living room type area. There is an upright piano to one side of the group and 2 framed photographs and a lon...
Hoy, C. D.


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Older GMF Runtime releases have been moved to archive.eclipse.org, and can be accessed here:
In the Helios release, the GMF project was restructured into the GMF Tooling, GMF Runtime and GMF Notation projects under the Graphical Modeling Project.
A table of previous GMF releases can be found HERE
If you have problems downloading the drops, contact the webmaster.
All downloads are provided under the terms and conditions of the Eclipse Foundation Software User Agreement unless otherwise specified.
See committer/contributor IP log.
Back to the top


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We-eeee! Are never, ever, ever
Getting back together
It's trouble every time I hear it. When I hear it, I can't get it out of my head. For at least an hour.
As for never, ever, ever...
Taylor Swift and Conor Kennedy broke up. But...maybe not forever?
Page Six reports that Taylor is being honoured by the Kennedys at the RFK Gala on December 3 and Conor will be there "if he is allowed out of school". The two are still talking. Or texting. However it is that that's done now.
This sets up nicely then for a holiday reconciliation -- a Taylor Swift Kennedy Christmas. What would that look like beyond snowflakes and snow angels and levitating kisses under the mistletoe? Never mind. I just realised I don't want to know.
Here's Taylor in Paris today promoting RED.


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Like Steve Spurrier and Urban Meyer before him, Will Muschamp's second Gator team was stronger than his first. The Gators went from 7-6 in 2011 to 11-2 in 2012 with a berth in a BCS bowl game.
So, what happens in Year 3?
With so many players departing through a combination of graduation, transfers and leaving early for the NFL, UF is a team in transition as it moves forward into 2013.
Over the next few weeks, we'll break down the Gators position by position to give readers an idea of what to expect and what this UF team might look like in the fall.
Today: Quarterback.
Who's gone?
With Jeff Driskel establishing himself as the clear starter during the 2012 season, it was obvious to most that No. 2 quarterback Jacoby Brissett probably was not going to stick around. And he hasn't. The old you're-only-one-play-away-from-being-the-starter line was not convincing enough to make Brissett stay at Florida. He recently received his release from UF and is expected to transfer to either West Virginia or North Carolina State, leaving UF with only three scholarship quarterbacks heading into the spring.
Who's back?
Driskel, who was named the starter after seeing the bulk of the playing time in the opener, had a solid and promising first season as the starter, making plays throwing and running the ball. He completed 63.7 percent of his passes for 1,646 yards and 12 touchdowns, while being intercepted only five times. He should be more comfortable and confident in his second year in coordinator Brent Pease's offense, and his passing numbers should improve dramatically along with his decision making. Driskel's backup figures to be redshirt junior Tyler Murphy, an athletic QB who has yet to throw a pass during his UF career. Murphy spent a considerable part of last season on the scout team, helping the UF defense prepare for opposing quarterbacks.
Who's next?
After redshirting last season, freshman Skyler Mornhinweg will start competing with Murphy for the No. 2 spot in the spring. The three-star prospect was a late addition to the 2012 recruiting class, backing out of a Penn State commitment to sign with the Gators. He threw for 4,192 yards and rushed for 1,243 yards during a standout high school career at Saint Joseph's Prep in Philadelphia. He is the son of former Philadelphia Eagles offensive coordinator Marty Mornhinweg. He picked up the offense relatively quickly during the fall and has a chance to be Driskel's backup if he has a strong spring. Entering the competition this summer will be true freshman Max Staver, a three-star prospect who has been committed to the Gators for months. The 6-foot-5, 235-pound dropback passer's only other offers are from Louisville, Mississippi State, Memphis, Northern Colorado and Tennessee State. Looking ahead to 2014, the Gators already have a commitment from one of the nation's top quarterback prospects — Will Grier from Davidson, N.C.
Driskel said at the Sugar Bowl that he expects his passing numbers to increase dramatically now that he has had a full season of experience in the offense. One key question is: Will Pease limit Driskel's designed QB runs due to the lack of proven depth at the position? Running is a big part of Driskel's game. If he gets more consistent performances out of the offensive line and at wide receiver, Driskel has a chance to have a breakout year in 2013.
Stronger or weaker in 2013?
Although depth is a concern, the position should be stronger simply because Driskel now has more experience and should be more productive, especially in the passing game. He has to stay healthy, though.
Forward Focus: A look at Florida's QBs
Like Steve Spurrier and Urban Meyer before him, Will Muschamp's second Gator team was stronger than his first. The Gators went from 7-6 in 2011 to 11-2 in 2012 with a berth in a BCS bowl game.


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The darkroom is located on the east side in between the emergency exit and the bathrooms. This room may also be used for silk screening, general chemistry that requires a sink and moderate ventilation (but not a hood) and any light-sensitive work.
- Mailing List - Participate in discussion, please join and tell us about your cool photog projects.
- Google Calendar - XML - iCal - Email our discussion list to be added to the calendar.
Noisebridge bug #25 is about improving the darkroom.
How Do I Use The Darkroom
Anyone is welcome to use the darkroom just as long as our general rule of being excellent to each other is followed! Here are some other guidelines you might find useful.
General Usage Guidelines
- Introductions and project discussion - Have you met anyone else using the darkroom? If not we'd love to meet you and see what awesome things you're wanting to work on. Please make a post to our discussion list and introduce yourself to the group. By doing this you basically get free help from a fairly well size community to folks on how to be utilized the space and equipment, and also by communicating purpose and resource needs we all can get a better idea of how to have our projects coexist in the space.
- Check the darkroom calendar and schedule time - We have a calendar, it contains dates of times when people are going to use the darkroom. This is great as it allows for collaboration and also helps with scheduling conflicts (it's a small space :P). Email our discussion list to be added to the calendar.
- Keep the space just as neat and clean as before you found it - Many of us use the space, and only have limited time to do so. When the space is dirty, or resources aren't where we expect them, life sucks. Please be kind of help to make sure the darkroom is just as neat and organized as you found it (or even better, cleaner then it was before!).
- Bring up discussion about changes to the darkroom - Want to change something in the darkroom for the better? Already changed something? Great! Bring it up on the mailing list so we all can bask in the new founded value of your alterations!
- Communicate to the group when equipment breaks or supplies run dry - Many of the equipment we have is old and hand me downs, just in the brink of utter self destruction. Things are bound to break and run out, if this happens, fret not, most likely not your fault. Even if it was, please email our discussion list and notify the rest of the community. We don't care who did what, but are more concerned with replacing whatever needs replacing. :)
- Personal projects and the Darkroom - Noisebridge doesn't not provide any guaranty on personal projects kept in the space, this also includes tools and consumables. Personal projects generally belong on the user/members shelves on the other side of the space which is out of the way of others doing projects. People from time to time do keep personal photo projects that make logical sense to be kept in the darkroom, there. Note that it's not the proper place but if you do use the darkroom please keep your items out of the way, and well labeled with your email address and a date. If your items in the space are a problem to someone, they'll do something about it. Consumables will most likely get mistaken for general donated items and be used. Keep things in the darkroom and Noisebridge in general at your own risk, you've been warned.
- Have fun! - Make cool things, have fun doing it!
Film Development Guidelines
- Basic BW Film Development Guidelines
- Rapid C41 Film Development
- Rapid E6 Film Development
- Darkroom/E6 development - We are getting together supplies to do E6 development. If you have slide film you'd like to develop, add yourself to the queue!
- We hope to be able to do automated C41 processing. We have an Agfa FP200 Color Film Developer which has yet to be polished up and tested.
Classes and Learning
Anyone is welcome to teach a workshop or class using the darkroom. Just email the mailing list and add the time to our Google Calendar.
- General 35mm film processing class, TBA --rubin110 19:23, 17 May 2012 (UTC)
- Lightroom, TBA --rubin110 19:23, 17 May 2012 (UTC)
- Scanning yo film, sucka, TBA --rubin110 19:23, 17 May 2012 (UTC)
- Lightning Talks - hurtstotouchfire is attempting to get together a night of lightning talks. Small doses of awesome for your ADD enjoyment!
- Check out the Resources page for a list of all of our gear.
- Chemical Wishlist - We are looking into getting a purchasing account with a chemical supply company, please list items you want to buy on this page so we can accumulate an initial shopping list.
There is a flickr pool that showcases members' photohacking endeavors, including some that have been done at Noisebridge and in the darkroom. Maybe one day we will get around to aggregating those images here on the wiki.
To Do: Construction and Organization
- Address light leaks over the door, under the wall, fan area, possibly put up a curtain
- Fixer waste judge --rubin110 18:23, 17 May 2012 (UTC)
- Negative scanners - Get rid of them
- Color processor
- Chemical audit
- Write note about leaving tick marks on jug after useage
- General house keeping
- Moving the the film dryer into the Darkroom, away from metal things --rubin110 18:23, 17 May 2012 (UTC)
- Make a smarter darkroom in use light --rubin110 18:23, 17 May 2012 (UTC)
- Fix the water heater --rubin110 18:23, 17 May 2012 (UTC)
- Integrate the awesomeness that is Nburl into the darkroom, tag everything
Things that could be bought
- White masking tape
- More jugs
- Dish strainer
- Wire shelves for drying this in the black shelves
Seeking Donations
- Cartridge for Minolta film scanner
- film frames for enlarger (make?)
- print washer
- Print squeegeeing surface
- Color print developer (also, a hasselblads, kthx) oh and a SCSI card! fr rls!
- contact print frames
- UV lights
- conductive glass / ITO/FTO
- Sump box and pump for drain & chems
- Chemwaste jug for fixer
We had a meeting! There have been others, but we didn't take notes. Maybe we'll take notes again someday.
Agenda and meeting notes...
Web cam
A web cam has been installed in the dark room to provide a live feed:


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The movement of advisors is picking up as spring approaches, with teams moving in and out of the wirehouse firms, as well as over to smaller broker-dealers.
For instance, Morgan Stanley (MS) said last week that it recently recruited a team from Merrill Lynch with about $1.3 million in yearly fees and commissions.
Nikesh Kadakia, Joseph Pastore and Kirk Snyder joined Morgan Stanley in El Segundo, Calif., from Bank of America-Merrill. The team now reports to branch manager David Fahey.
Meanwhile, five advisors with about $500 million in client assets have left Morgan Stanley and Wells Fargo (WFC) to join employee-owned Baird.
The Lipe Group in Charlotte, N.C., for instance, moved to Baird with roughly $250 million in assets; it includes advisors Joseph and John Lipe.
In Lake Norman, N.C., Kevin Phillips moved to Baird with about $105 million in assets from Wells Fargo.
And the Glenn Group of Portland, Maine, came to Baird from Wells with about $145 million in assets. The team includes advisors Robert Glenn and Chad Schumann.
Janney Recruits
Janney Montgomery Scott said Monday that it nabbed David E. Grice in Asheville, N.C. The former Merrill advisor is helping the firm open a new branch office in Hendersonville, N.C., and a satellite office in Asheville.
Grice oversees more than $100 million in client assets.
"David is a highly regarded advisor and a valued addition to the Janney team," said Jerry Lombard, president of the firm's Private Client Group, in a statement.
"He has built a strong practice by focusing on and meeting the needs of his clients, and like the many top-tier advisors who find themselves migrating to Janney, he was attracted to our strong, stable reputation and client-centric philosophy, as well as our ability to provide the same resources as a larger shop, but with more accessible support," Lombard said.
Earlier this month, Janney recruited John Kline from UBS (UBS) to its Raleigh, N.C., office. Kline, a 20-year veteran, oversees about $180 million in assets.
"John's long and accomplished career is proof of his commitment to exceeding the expectations of his clients," said Lombard in a press release. "With the wealth of knowledge and experience he brings to our Raleigh office, unquestionably, he is a tremendous addition to the Janney team and to our Southeast region—a region which we believe continues to present a significant opportunity for growth."


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The S&P may be trading above 1,700, but a Wells Fargo analyst says it's not likely to stay there, as corporate earnings get squeezed—especially in the consumer-staples sector.
Wells Fargo (WFC) senior analyst Gina Martin Adams, who spoke with CNBC over the weekend, sees the major index at 1,440 by year end, or down nearly 16%. She also moved consumer staples to underweight.
Earnings revisions have been hurting the sector, which has been "leading the S&P on the downside," Martin Adams said.
The reason? "Disposable income growth, at 2.4% year over year, is growing at its slowest pace in nearly 50 years, outside of the 2008-'09 recession," she said.
The bearish analyst and institutional equity strategist also points out that the consumer-staples sector is down about 2.5% in the past three months.
"The bear case for staples and the [S&P] index at large is the earnings environment," she said; earnings growth is at a 5%-6% pace for the third quarter but could slow down in the fourth.
"We are still pretty cautious, because we think ultimately stocks follow earnings growth, though they've decoupled a bit recently," Martin Adams said.
Consumer-Focused ETFs
The Consumer Staples Select Sector SPDR (XLP) and the iShares S&P Global Staples ETF (KXI) both trail the S&P 500 year to date. They are up about 16% and 12.5%, respectively, while the index has jumped about 19% so far in 2013.
For the past three months, the S&P has improved 1%, while XLP is down about 2%; the KZI has fallen about 0.3%. Both ETFs are trailing the S&P for the past month of trading.
The First Trust Consumer Staples AlphaDEX Fund (FXG), however, is bucking these trends. It's ticked up a whopping 32% this year, 4% in the past three months and is ahead of the S&P for the last 30 days of trading (1.3% vs. 0.8%).
While FXG has large holdings of Herbalife (HLF), Safeway (SWY), Kroger (KR) and Constellation Brands (STZ), XLP and KXI have Procter & Gamble (PG) and Coca-Cola (KO) as top holdings, along with Philip Morris (PM).
The divergence in performance shows just how selective investors need to be in their sector picks given the current market and economic volatility.
Moreover, both in the short and longer term, Martin Adams' concerns reflect growing economic and wealth inequality and the factors weighing on wages in Middle America that will impact the consumer-staples sector (and others) in the future. "It looks like pressure is on the consumer through the end of the year," the Wells Fargo analyst said, "so we are moving away from staples."
Check out International Stocks Win, Munis Lose in September: Morningstar on ThinkAdvisor.


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Theater on the Lake Announces 61st Season
May 14, 2013
The Chicago Park District's Theater on the Lake: The Chicago Summer Theater Festival kicks off its 61st anniversary with a USO dance before the first of eight encore presentations from artistically diverse Chicago theater companies June 12 - Aug. 11, 2013. Each production will be performed for five evenings only at the theater at Fullerton Avenue and Lake Shore Drive. The season opens with The New Colony's The Bear Suit of Happiness (June 12-16) and continues with MPAACT's Blackademics (June 19-23); Manual Cinema's Lula del Ray (June 26-30); Theater Oobleck's There Is a Happiness That Morning Is (July 10-14); Barrel of Monkeys' That's Weird, Grandma (July 17-21); The Den Theatre's The Quality of Life (July 24-28); Jackalope Theatre's Long Way Go Down (July 31 - Aug. 4); and Chicago Physical Theater's The Chi-Town Clown Revue featuring Honeybuns (Aug. 7-11).This season is selected by co-artistic curators: Halena Kays, artistic director of The Hypocrites, and Joanie Schultz, freelance director of numerous operas and plays. Theater on the Lake is part of the Chicago Park District's Night Out in the Parks initiative, which features more than 750 citywide cultural and arts activities this summer, making parks a safe haven and a hub of activity. In addition to the regular season, Theater on the Lake programming highlights include:Opening Night USO DanceWednesday, June 12, 6 p.m.Admission included with ticket to The Bear Suit of HappinessDuring World War II, Theater on the Lake was used as a USO Center and regularly hosted USO dances. The New Colony honors this history by welcoming big band Mike P's and the Cool Breeze with jazz vocalist Abigail Riccards for a night of swing dancing. The dance is followed by the production of The Bear Suit of Happiness at 7:30 p.m.Live Lit on the LakeThursdays and Fridays at 9:30 p.m.Admission freeAfter the main stage performance every Thursday and Friday, stay to hear Chicago's literary all-stars read their stories, personal essays and commentaries. Live Lit is curated and hosted by Ian Belknap, founder and host of WRITE CLUB, which features a rotating lineup of Chicago's most audacious writers/performers.Theater ThursdaysThursdays at 6 p.m.Admission included in ticket priceIn partnership with The League of Chicago Theaters, Theater on the Lake will be hosting Theater Thursdays every Thursday night with pre-show cocktails, appetizers, and a chance to meet the artists.Declaration YOUth Arts FestJuly 3-7Time and schedule to be announcedAdmission freeRecommended for teens ages 14 and upThrough four evenings of spoken word, music, dance, theater, and visual art, Chicago's teens will have an opportunity to celebrate the abundance of young talent within their city and within themselves.The 2013 Theater on the Lake season is as follows:The New ColonyThe Bear Suit of Happiness by Evan LinderDirected by Sean KellyJune 12 - 16In 1943, Woody, a young gay American, enlists in the army. After being shipped to a remote Pacific Island, he is given an order: "Put up a show to entertain the men. Keep it simple. Needs music. And they like drag." Woody becomes a one-man war as he fights to write a show worthy of his fellows' last laughs. Torn between fantasy and reality, his silly camp show grows to be a dream of an impossibly hospitable world.MPAACTBlackademics by Idris GoodwinDirected by Shepsu Aakhu and Marie CiscoJune 19 - 23Two female African-American scholars break down ideas while breaking bread, celebrating black history month in their favorite bistro. They become deeply engrossed in spirited discourse, weaving personal and political, academic and pop culture, and boasts and criticisms. This metaphysical comedy dramatizes one of our longest running debates: what does it mean to be a Black in America?Manual CinemaLula del Ray based on original text by Brendan HillDesigned and Directed by Drew Dir, Sarah Fornace, and Julia MillerJune 26 - June 30Family friendlyThis feature-length shadow play is performed with overhead projectors, shadow puppets, actors in silhouette, live music and almost entirely without dialogue. When Lula, a lonely adolescent girl, discovers a soulful country music duo on the radio, she leaves home and enters a world of danger and deception to find them. Lula del Ray is a mythic reinvention of a classic coming-of-age story.Theater OobleckThere Is a Happiness That Morning Is by Mickle MaherEnsemble directedJuly 10 - 14This comedy in rhymed verse unfolds via two lectures on the poetry of William Blake: one given by a middle-aged, barely published poet of scant scholarship, and the other by his lover, a reputable Ph.D. Having just engaged in a highly inappropriate public display of affection, the two undergraduate lecturers must now either apologize for their behavior, or justify it if they want to keep their jobs. Barrel of MonkeysThat's Weird, Grandma by student authors; adapted by ensembleEnsemble directedJuly 17 - 21Family friendlyBarrel of Monkeys is an ensemble of actors/educators who hold creative writing workshops with Chicago Public School students and perform these imaginative stories. The result is smart and funny, hailed by chicagotheater.com as "part pep rally, part musical theater extravaganza - and one of the most real, uplifting and engaging theatrical experiences in town."The Den TheatreThe Quality of Life by Jane AndersonDirected by Lia MortensenJuly 24 - 28Red and blue state worlds collide in this compassionate and humorous drama that confronts the human challenge of losing a loved one. After the death of their daughter, church-going conservatives visit left-wing cousins who continue to celebrate life despite hard times. But sympathy turns to rage when religious and moral values about life and death are put to the ultimate test. Jackalope TheatreLong Way Go Down by Zayd DohrnDirected by Kaiser AhmedJuly 31 - Aug. 4An imaginary line at the edge of America fosters a dangerous story of trust between two truckers and two Mexican immigrants smuggled into Arizona. In a business this dangerous, someone has to pay up. Fast-paced and sharp-tongued, this play is a poignant reminder that life requires large sacrifices for large changes.Chicago Physical TheaterThe Chi-Town Clown Revue featuring Honeybunsconceived by Dean EvansAug. 7 - 11This special edition of Chi-Town Clown Revue's visceral, hilarious, and unrepeatable theatrical event features Honeybuns, a gigantic creature billed as "The World's Greatest Mime." To share space with Honeybuns is to experience a highly physical, interactive piece of performance art that has impressions of mime, improv, and electro shock treatment with physical comedians and circus clowns.The Chicago Park District's Theater on the Lake is located at Fullerton Avenue and Lake Shore Drive in a historic building that offers breathtaking views of Lake Michigan. The schedule for all performances June 12 - Aug. 11 is Wednesdays through Saturdays at 7:30 p.m. and Sundays at 6:30 p.m.Single tickets are $18 and a season subscription to all eight plays is available at a discounted price of $110. Patrons can buy the Weekend Flex Pass, which includes tickets for three different shows for $35, for Friday-Sunday performances only. Best seats available and subject to availability.All individual tickets go on sale June 4, 2013 at the Theater on the Lake box office at Fullerton Avenue and Lake Michigan or via phone at (312) 742-7994. Beginning June 4, the box office is open Tuesdays - Saturdays, 2 - 8 p.m. and Sundays, 3:30 - 7:30 p.m.
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Simple Digital
For some reason, I've worked on a number of exhibits at museums and theme parks. I never went out looking for those tasks, but they somehow seem to find me. These usually aren't very technically challenging, but they do usually have beautiful custom cases and even without their electronics are works of art.
A few years ago, I did a museum system that was essentially a self-contained PC, but needed one digital input. It seemed a waste to put an I/O board in the system just for one switch closure reading. I've seen people wire across a keyboard pin to do this, but that seems like such an ugly hack and it is easy to imagine keyboard driver behavior getting in the way (auto repeat, for example).
My solution was simple: Get a normal serial-to-TTL adapter (either USB or one for a conventional serial port) and use the carrier detect input. In fact, you can probably squeeze the input information out of several serial port pins, but in this case I just needed one.
The system used Windows (a stipulation from the user), but to make my life easier, I developed under Linux and depended on using Cygwin or MinGW to provide the POSIX-like API so I didn't have to deal with the Windows communications stack directly.
Switching the input to ground should be sufficient, but you can test your specific hardware. Most devices will output plus and minus 5V or more, and if you prefer you can force one of the output pins to a given state and use it as your switch closure.
The system reads its configuration from a CSV file and populates a global structure named cfg. Inside are two items of interest to the serial port code: the port name (cfg.port) and whether a DCD active means the switch is closed or open (cfg.comsense). Here's the code:
fp=fopen(cfg.port,"r"); if (!fp) return 0; // huh? ioctl(fileno(fp),TIOCMGET,&modemstatus); bit=1; if (modemstatus & TIOCM_CAR) bit=0; if (bit ^ cfg.comsense) // Switch is off else // Switch is on
Of course, later, there is an
fclose(fp). The code is really pretty simple (just make sure to include sys/ioctl.h). The
fileno() macro converts the C library
FILE pointer to the underlying file number that
ioctl expects. The
ioctl() call populates
modemstatus, and the
TIOCM_CAR bit corresponds to carrier detect.
By using
bit^cfg.comsense, I can "flip" the sense of the if/else statement without recompiling. A change in the configuration file controls which way the program measures the switch.
Sometimes simple solutions are the best. TTL adapters are cheap (well under $5 if you shop) and plentiful. Many of them are tiny and can be easily built into the equipment. I wouldn't want to read dozens of inputs like this, but for a quick and dirty switch connection to a PC, it really does the trick.


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KC Royals ALCS Tickets
You Have Found The KC Royals 2020 Tickets Page. Here You'll See Presented All www.FindTicketsFast.com's Tickets For The 2020 KC Royals Schedule And The Date & Time Of The Event. The Entries Are Sorted In Ascending Order From The Initial To The Last By Day. If You Have A Desire To View The Times For KC Royals Tickets 2020 In Calendar View Your Welcome To Click The Calendar View Logo At The Uppermost Part Of The Listings In The Right Side Top Corner. This Will Show The Total KC Royals 2020 Schedule Laid On Top Of A Computer-Generated Calendar So Guests Can See A Full Months Dates At A Time. Once You Select The Date That You Want Off The KC Royals Schedule 2020 Dates Then Press The View Tickets Button To Be Taken To The Seats Listings Page Which Will Show You All The 2020 KC Royals Tickets That We Currently Have For Your Specific Date. Here Everyone Can Glance At The Tickets From The KC Royals 2020 Schedule Date That You Picked Which Can Be Arranged In A Couple Different Ways. The Seats Have The Ability To Be Organized By Section, Price, Quantity & Row Which Can Swiftly Shrink Down Your Search To The Exact Style Of KC Royals Tickets 2020 That Your Scouring For. When There Are Far Too Still Listed You Can Sometimes Use Find Tickets, LLC's Interactive Seating Map If The Exact Event Includes One. All Anyone Has To Do Is Select On The Precise Areas That You Feel Like Sitting In For This Particular Date & Time On The 2020 KC Royals Schedule. When You Have Seen All Your Possibilities And Are Ready To Secure Your KC Royals 2020 Tickets, Click The Buy Button For www.FindTicketsFast.com's System To Take You To Our Company's Locked Ticket Processing Page. As You Do So Please Confirm That You Double Check The Seats Your Securing With The KC Royals Schedule 2020 Calendar Date That You Dream To See To Make Certain It's The Same. You Do Not Want To Purchase The Incorrect 2020 KC Royals Tickets For The Incorrect Event Date.
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When it comes to knowing how exchange-traded funds work, ETF sponsors report that financial advisors have the hardest time understanding liquidity and trading, according to research released in July by Cerulli Associates.
A total of 63% of ETF sponsors rated liquidity as their top growth challenge in 2013 because of advisors' limited knowledge of the topic, Cerulli reported. Understanding how ETFs trade got the second-lowest ranking, and how ETFs are structured was third lowest. Meanwhile, ETF risks and the use of ETFs in portfolio construction ranked as the top two topics that advisors understand best, followed by tax treatment.
"Liquidity and trading ranked the lowest, suggesting these two topics should remain top of mind for providers when developing educational programs," said Cerulli Associate Director Alec Papazian in a statement.
The Boston-based global analytics firm concluded In the July 2013 issue of "The Cerulli Edge-U.S. Asset Management Edition" that ETF sponsors should do more to educate advisors in order to further increase advisor adoption of exchange traded products.
"As the market matures and ETF investing spreads beyond its foundation of core domestic equity indices to categories such as fixed income, international equity, and products including alternative weightings (i.e., volatility weighting, equal weighting), sponsors are finding the need to create educational materials and programs for both new and advanced users of the products," according to the report.
Sponsors disagreed on the single largest inhibitor to ETF adoption, splitting evenly between insufficient platform support, inadequate knowledge of ETF use in portfolio construction and reluctance to reallocate existing client positions to ETFs.
Cerulli's research found that the percentage of advisors using ETFs by channel broke down as follows in 2012:
- Wirehouse, 63%
- Registered investment advisor (RIA), 55%
- Bank, 44%
- Dually registered, 42%
- Regional, 42%
- Independent broker-dealer (IBD), 39%
- Insurance, 24%
Creating programs to meet the educational needs of these advisors across the spectrum of adoption and sophistication "is a difficult task, but it will be necessary for some time," Papazian predicted.
The type of assistance that advisors require from ETF sponsors varies widely, Cerulli found. Among advisors who now use ETFs, 34% cited evaluation tools as the most valuable type of support from sponsors. Another 22% cited education on incorporating passive strategies into tactical allocation, and 16% cited client-approved educational material about ETF basics.
For advisors who don't use ETFs, 27% cited client-approved educational material as the most valuable type of sponsor support, while another 27% cited education on trading ETFs and 17% cited evaluation tools.
Notably, Cerulli reported that although it's not offered by ETF sponsors, the Index Universe ETF Analytics tool, which launched this year, rates and evaluates every ETF and exchange-traded note on the market using proprietary data points. The tool includes ratings for tradability and efficiency such as the fund's ability to meet its stated objectives.
"This can be a valuable tool for advisors who are heavy users of ETFs, but with overall advisor allocations to ETFs at only 7.1% on average as of 2012, there will be a significant group of advisors for which subscribing to the tool is not practical," Cerulli noted. "Support in this area from sponsors can be an important factor in driving increased allocation to ETFs in portfolios."
Check out ETFs Got You Down? AdvisorIQ Is Here to Help at ThinkAdvisor.
For direct insights on the role of ETFs in client portfolios from multiple experts—including Rick Ferri, Ron Delegge, Skip Schweiss and more—we invite you to register for ThinkAdvisor's premiere advisorcentric Virtual ETF Summit, which starts July 23 (and get multiple hours of CFP Board CE).


text:
DVB-T stands for Digital Video Broadcasting via Terrestrial radio.
This is Digital Video Broadcasting for broadcasting of Digital TV via terrestrial Antenna (indoor / roof).
DVB-T transmissions have already started in some countries (UK, Australia, Germany, Finland, Italy, France) (DK started 31 March-06, DR1, DR2, TV2). France is due to begin transmitting Pay Per View broadcasts in September 2005 (in MPEG4).
Depending on the Transmission Mode about 15MBit can get transmitted per Transponder (Frequency). This is enough for one HDTV channel or 4-5 Standard Definition TV channels. Multiple channels can be organized in Bouquets (a bunch of services by a particular Service Provider).
- DVB-T PCI Cards
- DVB-T USB-Boxes
- DVB-T IEEE1394 / Firewire / iLink Boxes
- DVB-T PCMCIA Cards (PC card, ExpressCard)
- Antennas for DVB-T
Interesting Links
- Information about DVB in Australia
- DVB forum in Australia with some Linux information
- channels.conf for different Regions (DVB-t)
Top Tip
- Crazy as it may sound, if you find that video and audio sometimes freeze (and there are no error messages in /var/log/messages), your aerial signal may be too weak. A signal booster made a significant difference in my setup (Hauppauge Nova-T (Conexant) + Avermedia 771 DVB-T, 2.6.13-rc7 + dvb kernel patches from CVS)


text:
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Da 5 Bloods
On the Record
I May Destroy You
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Relentlessly ridiculous.
April 17, 2006
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Relentlessly ridiculous.
Walter Chaw
Calling this a "lost noir" is an uncommon stretch -- kind of like calling Blade II a "new classic" on TNT.
October 31, 2005
| Rating: 2.5/5
Calling this a "lost noir" is an uncommon stretch -- kind of like calling Blade II a "new classic" on TNT.
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Return to Index
Reducing Your Risk of Cervical Cancer
A risk factor is something that increases your chances of developing cancer. Some risk factors cannot be modified, such as your age. Fortunately, there are steps to reduce some risk factors.
Two vaccines are available to prevent infection by some (but not all) human papillomavirus (HPV) types that cause cervical, vaginal , vulvar, and anal cancers. Vaccination also protects against dysplasia on the genitals and genital warts .
The vaccine is routinely given to girls as a multiple dose series between the ages of 11-12 years (though it may be used starting at age 9). For the vaccine to be most effective, girls should be vaccinated before their first sexual contact. The vaccine can be given to women through age 26.
If you or your daughter have not gotten the HPV vaccine, there is a catch-up vaccination schedule available.
Manage Abnormal Cervical Cells
Cervical intraepithelial neoplasia (CIN) or other dysplasias may appear years before cervical cancer. Regular Pap tests are an important tool in detecting abnormal cervical cells. Screening guidelines are based on your age and other risk factors, such as smoking or a past history of cancer. If you have CIN or dysplasia, be sure to follow your treatment and follow-up schedule.
The main cause of CIN is persistent HPV infection. Early detection with cervical cancer screening offers the best chance for a cure. Talk to your doctor about the right screening schedule for you
Practice Safe Sex
HPV is transmitted through intimate and sexual contact, making it a main risk factor for cervical cancer. Women who have had multiple sexual partners or who began having sex before the age of 16 are at greater risk of exposure to HPV.
Safe sex practices include:
- Have a monogamous relationship with your partner. It is important that your partner is only having sex with you.
- Protect yourself against sexually transmitted infections (STIs) with consistent and correct use of a latex condom. A condom will not prevent HPV infection because it does cover the perineal or perianal areas where the virus can be transmitted.
- Seek prompt treatment for any symptoms of an STI, such as urinary discomfort, unusual vaginal discharge, or pelvic pain. Since many STIs do not have symptoms, talk to your doctor about screening tests to monitor your status.
Quit Smoking
Tobacco by-products have been found in the cervical mucus in women who smoke. Regular exposure to carcinogenic agents increases the risk of irritation that causes changes in cells. Quitting is an important step in preventing cervical and other cancers. The sooner smoking is stopped, the sooner the body can start to heal. Talk to your doctor about the options available to help you successfully quit.
Eat a Healthful Diet
Eating a balanced diet with plenty of fruits and vegetables has been associated with lower risks of cervical and other cancers. Good nutrition supports your body's immune system and can help maintain a healthy weight.
Cervical cancer. EBSCO DynaMed Plus website. Available at: http://www.dynamed.com/topics/dmp~AN~T114831/Cervical-cancer . Updated June 5, 2017. Accessed January 29, 2018.
Committee on Practice Bulletins—Gynecology. Practice Bulletin No. 168: cervical cancer screening and prevention. Obstet Gynecol. 2016;128(4):e111-e130. Reaffirmed 2017.
HPV and cancer. American Cancer Society website. Available at: https://www.cancer.org/cancer/cancer-causes/infectious-agents/hpv/hpv-and-cancer-info.html. Updated October 9, 2017. Accessed January 29, 2018.
HPV (human papillomavirus) VIS. Centers for Disease Control and Prevention website. Available at:https://www.cdc.gov/vaccines/hcp/vis/vis-statements/hpv.html. Updated December 2, 2016. Accessed May 22, 2017.
Immunization schedules. Centers for Disease Control and Prevention website. Available at: https://www.cdc.gov/vaccines/schedules/index.html. Updated February 6, 2017. Accessed January 29, 2018.
5/18/2007 DynaMed Plus Systematic Literature Surveillance http://www.dynamed.com/topics/dmp~AN~T908142/Human-papillomavirus-HPV-vaccine : The FUTURE II Study Group. Quadrivalent vaccine against human papillomavirus to prevent high-grade cervical lesions. N Engl J Med. 2007;356(19):1915-1927.
Revision Information
- Reviewer: EBSCO Medical Review Board Mohei Abouzied, MD, FACP
- Review Date: 11/2018
- Update Date: 11/17/2015


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Inspire Tank Top
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Stein Mart
11315 Montgomery Rd
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5th & Ocean Women's Boston Red Sox Space Dye Sleeve T-Shirt
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4300 Belden Village Avenue
Canton, OH 44718


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Atmospheric Line Identifications at Michelle Echelle Resolution
You are here
Atmospheric Lines At Michelle Echelle Resolution
This page makes a plot of either the atmospheric transmission around a specified wavelength or an approximate plot of normalized atmospheric emission around the specified wavelength (assuming a constant temperature atmosphere), or produces a list of the strongest atmospheric line transitions near that wavelength.
Given a central wavelength in microns this page can produce a plot of the theoretical atmospheric transmission over a range of +/-0.025 microns from the specified wavelength. The values are calculated for Mauna Kea and for two water columns: 1.0 PMM of water (black curve) and 4.0 PMM of water (red curve). If the option for marking lines is selected above then the stronger lines are marked with a dash above the plot and the molecule name is given. In such cases the [vacuum] wavelength in microns is listed at the right edge of the plot. Internal to the page the line positions are given in wavenumbers, taken from the HITRAN04 compilation. Up to 50 lines are marked. If one happens to select a region with more than 50 strong lines in the 0.05 micron wavelength range then one only gets the first 50 lines marked on the plot.
The plots are intended as an aid to identifying atmospheric lines when observing with the echelle mode of Michelle. On the plot the wavelengths of the lines are rounded off somewhat. The line wavenumbers (and associated vacuum wavelengths) can be obtained by choosing the "line list" option. These values are given at the original HITRAN04 accuracy.
As what is observed with Michelle are the atmospheric lines in emission there is an option not to plot the transmission values [which is what are originally calculated by the ATRAN program] but rather to convert from transmission to emission assuming that the atmosphere has a constant temperature of 270 K. The transmission is assumed to reflect the atmospheric optical depth and wavelength*wavelength flux density values are calculated on this basis. This produces something similar to what is observed at the telescope. One cannot depend on the detailed line strengths since different lines form at different temperatures, but it does produce something that can be compared with an observed atmospheric spectrum. The values shown are normalized to peak in this option, since there is no ready way to simulate the real atmospheric conditions of any particular observation.
The plot output options are to get the plot in postscript form, in gif form, in jpeg form, or as an xmgr 4.1.2 save file. The latter is possible because xmgr is what is used to plot the graph internally. This save file can be read by xmgrace which is the current descendent of xmgr. Where plots are requested they may come up in landscape orientation in the browser window.
If you want only the list of transitions choose the "line list" option. In that case the page returns the line list used to mark the plots. The lines are selected from the HITRAN04 database on the basis of the Einstein A value:
- water lines with Aij > 1.e-27
- CO2 lines with Aij > 1.e-24
- O3 lines with Aij > 1.e-22
- other lines with Aij > 4.e-20
The line list is not limited to 50 lines as is the case when making a plot, so depending on the wavelength chosen a large number of line transitions may be listed.
This page was last modified 24 November 2008.Kevin Volk


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Ghost Image from Devil's Den at Gettysburg?
Posted 01 June 2006 - 04:05 PM
that was taken place that the indians fought there to.is that what you mean?
Posted 01 June 2006 - 04:36 PM
The French and Indian war was fought on this land back in 1758. Just remember Triangler field is in the back yard of Devils Den. The French contolled most of this region, so they say. Dave
whatcha mean dave? or are you talking bout the indian wars? ive heard that at triangle field that way before
that was taken place that the indians fought there to.is that what you mean?
Posted 01 June 2006 - 05:13 PM
Posted 03 June 2006 - 11:45 AM
Posted 03 June 2006 - 08:20 PM
Posted 04 June 2006 - 05:36 AM
^attack of the black skull avatars!!!!!!!!!!!!!
neither the indian nor the french uniform matches this guy.
You all have to remember that there were 2 wars fought on this land. Not just one! No other commet on this photo. Dave
nor do the confederate and union uniforms! it is closest to a confederate with the grey.
Posted 04 June 2006 - 09:34 AM
Posted 04 June 2006 - 09:51 AM
Posted 04 June 2006 - 09:52 AM
Posted 04 June 2006 - 11:16 AM
Roger...go back and check your history books, I'll post pictures up shorly for you of different types of uniforms and hats. I'm exactly sure what era, but I am bound to get to the bottom of this shortly. Julie
Posted 04 June 2006 - 01:17 PM
I totally agree with you on this one. Spirit? A living person? That is why I like doing this for a profession! Dave
yeah probably not an optical illusion. I looked at this quickly the first time and didn't really get into it enough before commenting. Something I never do. I can't varify the validity though, a public place with people around makes the setting very uncontrolled and impossible to say what it is for me.
Posted 04 June 2006 - 05:58 PM
Here's some food for thought from what I was writing and what I went to look up! I knew I'd seen the hat somewhere it is a civil war hat.
This is take from Mark Nesbitts book Ghosts of Gettysburg
In Jack McLaughlin's book, Gettysburg : THE LONG ENCAMPMENT, published the year of the 100th anniversary of the battle, there is a photograph taken from Devil's Den by Gettyburg Photographer Walt Lane. It shows the rock-strewn west slope of Little Round Top. The people who view the black and white poto are split half and half as to whether they see, outlined to perfection, the ghostly image of the face of a soldier wearing a Civil War-style kepi.
I will try and post the Kepi, and I have info on the Indians along with burial mounds in Devils Den.... That's what I accidently deleted, I will repost that tomorrow, my fingers are tired!!!
P.S. Yep, Civilwarbuff, I work hard on that tan 4 days a week 20 minutes relaxing in a bed....it's a great workout!!
Posted 04 June 2006 - 10:51 PM
Posted 05 June 2006 - 06:06 AM
Posted 05 June 2006 - 06:28 PM
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Nearly three years ago we successfully launched AdvisorOne. Today we're relaunching and renaming the premier site for advisor news and analysis to ThinkAdvisor. The change reflects our sharpened focus on delivering to advisors the thought leadership they want and need at every stage of their career development.
ThinkAdvisor is a major expansion of AdvisorOne, the leading news and information website in the investment advisory industry. ThinkAdvisor goes beyond news and information to provide advisors with access to unique resources that support their professional development.
ThinkAdvisor provides users with AdvisorOne's trusted news and industry information, vendor resources and best practices as well as continuing education and professional reference publications. ThinkAdvisor features a new, simplified layout, optimized for readability and multi-device support, including smartphones and tablets.
At the same time, ThinkAdvisor engages users with new interactive resources, including live events, virtual tradeshows, and webcasts, as well as features like The Academy, an interactive knowledge center used by advisors to drive their businesses and grow in their careers. As part of the change, we'll be encouraging advisor users to become members of the site; members will be the first to preview new community features, and have the ability to manage how they receive information based on their personal preferences.
Why make the change? AdvisorOne's original charter was to present, aggregate and curate news and analysis from across the Web. While we succeeded, we realized from monitoring user behavior and through a series of reader forums that in addition to news, analysis and data, advisors wanted and needed assistance at every stage of their career development. They wanted and needed to easily delve more deeply into specific topics of interest. They wanted and needed to make sure to read everything that Moshe Milevsky or Mark Tibergien or Angie Herbers or Michael Kitces had to say in their columns or their blogs. They wanted and needed a community of peers and industry experts where they could express themselves and continually learn from each other.
That's what ThinkAdvisor is and will be. We've changed the name but we will retain our commitment to delivering the news and information advisors want and need, delivered by the most knowledgeable, experienced editorial staff in the business.


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Application and Presentation for Import Reinspection
PHIS Implementation Letter to Importers
Below is the text of a letter sent to Importers from Dr. Ronald K. Jones; the original is available in PDF.
April 18, 2012
Dear Importer:
The United States Department of Agriculture's (USDA) Food Safety and Inspection Service (FSIS) is the public health regulatory agency responsible for ensuring that domestic and imported meat, poultry, and processed egg products are safe, wholesome, and correctly labeled and packaged. All shipments of meat, poultry, and egg products exported to the United States, which are certified by the foreign country's competent authority, must be presented for reinspection at an FSIS official import inspection establishment, or alternative inspection location authorized by FSIS.
In order to enhance the Agency's ability to better protect public health, FSIS will launch a comprehensive data analytics system called the Public Health Information System (PHIS) as part of its effort to collect, consolidate, and analyze data. PHIS, which will strengthen FSIS detection and response to ineligible imported shipments, will replace the Automated Import Information System (AIIS). To facilitate the implementation of the PHIS, FSIS is proposing changes to the imported products inspection regulations, including amendments to the prescriptive foreign inspection certificate requirements, requiring specific product information that will assist in designating reinspection assignments, and providing a prior notification timeframe for import inspection applications that parallels the U.S. Customs and Border Protection entry timeframe.
Among the many services it provides, PHIS will automate and streamline the import inspection application and certification processes. Specifically, PHIS will electronically link with the Custom and Border Protection's (CBP) Automated Commercial Environment (ACE) to create a unified import processing system for entering data. This system will enable U.S. importers and customs brokers to enter FSIS import inspection application data directly into ACE through the Automated Broker Interface (ABI) as part of the CBP entry process, thereby eliminating the need to file a separate paper application with FSIS. However, when PHIS implements in May, the CBP ACE will only transmit the entry/entry summary data existing in ACE to PHIS. Agency specific data (PGA Message Set) will not be transmitted until later in 2012. In addition, PHIS will enable electronic interface with foreign governments' certifications systems, which will allow for government-to-government electronic certification, eliminating the need for a paper inspection certificate. The electronic receipt of this import information to PHIS will expedite data entry and shipment clearance by FSIS.
When PHIS is implemented on May 29, 2012, U.S. import verification activities will continue to be performed on imported meat, poultry, and processed egg products that have been inspected and certified by an equivalent foreign inspection system. Ultimately, eligibility of the foreign country, foreign establishment, and product will be determined by the system when the application for FSIS import inspection is filed by the U.S. Importer of Record or U.S. Customs Broker. The information will be verified by the FSIS import inspector when the shipment is presented at the official import inspection establishment, using the official inspection certificate issued by the foreign inspection system.
Interim Procedure
Though FSIS has defined the information required to complete the FSIS application for inspection, these have yet to be incorporated into the PGA Message Set of the ACE ABI Customs and Trade Automated Interface Requirements (CATAIR)(Appendix T) and implemented by CBP. Until such time that the PGA Message Set is implemented by CBP, FSIS will only receive a partial set of data electronically (see Attachment 1). Importers or brokers currently using an automated system to generate the current FSIS Form 9540-1 (version 05/07/2002) may continue using their current programming to prepare the application, though FSIS requests that the following agency specific data is added to the form in "Box 31 Remarks": 1. the e-mail address of the customs broker or applicant and, 2. the estimated date of arrival. Importers or brokers will continue to submit a paper copy of the current import application (FSIS Form 9540-1 (version 05/07/2002)) to the FSIS import inspector at the designated official import inspection establishment identified on the application where the product will be presented for reinspection, no later than the time of filing with CBP. For applications that are incomplete or contain inaccurate information, the applicant will be requested to correct the application before import reinspection will proceed.
In preparation for implementation of the PGA Message Set, FSIS has revised the Import Inspection Application (FSIS Form 9540-1 (draft)), which will be used for all meat, poultry and egg products shipments. This revised FSIS Form 9540-1 is enclosed ( Attachment 2) and highlights the source of each data element required on the form (e.g. entry summary data from ACE or the foreign inspection certificate). Importers or brokers can use this version to update their data entry screens for the ABI.
Shipments from Canada
When PHIS implements, Canadian exporters will no longer submit an advance copy of the FSIS Form 9540-1 to the official import inspection establishment, or in the case of egg products, the importer will no longer submit an advance copy of FSIS Form 5200-8 (Import Request Egg Products - CFIA Application for Inspection). The FSIS Form 5200-8 will be replaced by FSIS Form 9540-1. When the importer or broker files their entry with CBP, this will provide FSIS with prior notification. All inspection assignments for meat, poultry, and egg products will be generated through PHIS.
It should be noted that once PHIS implements, all importers may continue to use the paper application option, FSIS Form 9540-1, Import Inspection Application, in lieu of electronic entry through ACE. Further, a paper FSIS Form 9540-1 will continue to be required for shipments of meat, poultry, and egg products imported into ports where the CBP ACE system is not available (e.g., American Samoa, Guam, Commonwealth of Northern Mariana Islands).
Failures to Present
When the PHIS is implemented, FSIS will be able to monitor the movement of imported product more effectively and efficiently. In the event that the shipment fails to present for FSIS reinspection at an official import inspection establishment, FSIS will consider that shipment as ineligible for entry and a request for redelivery will be initiated through CBP. The importer may be subject to appropriate civil penalties associated with this enforcement action. If the shipment fails to return to the official import inspection establishment (e.g. the shipment is delivered to the end user in the U.S.), the imported product, or any product produced from the ineligible product may be subject to FSIS recall or seizure.
Certification Requirements
The competent authority of the foreign inspection service will continue to be responsible for the certification of shipments of product to the United States, as outlined in 9 CFR 327.4 (a) and (b), 381.197, and 590.915. Regardless of whether a paper or electronic certificate is used, each consignment of meat, poultry or egg products certified for export to the United States must be accompanied with an inspection certificate, prepared in English, and contain the following information:
- Name of country, the date the certificate is issued, and if applicable, the foreign establishment number where the certificate was issued
- Name and foreign establishment number that produced the product
- Species used to produce the product and the source country, establishment number, if the source of the meat, poultry, or egg products originate from a country other than the exporting country)
- Name and address of exporter or consignor
- Name and address of importer or consignee
- Number of units
- Net weight for each lot
- Shipping or identification mark on units
- The product's description, including the product's process category, product category, product group (see Attachment 3)
- Production dates, when appropriate
- Seal number(s), when appropriate
- Name (including signature) and title of person authorized to issue inspection certificates for products exported to the United States (paper certificates only).
FSIS no longer prescribes the specific statements that are to appear on the foreign inspection certificates, though the competent authority must certify that any product described on the official certificate was produced in accordance with the regulatory requirements in 9 CFR 327.2 (meat), 9 CFR 381.196 197 (poultry) or 9 CFR 590.910 (egg products). Further, FSIS no longer requires the certificate to be printed in the language of the foreign country of origin certificate, though foreign countries have the option to include this.
Note that FSIS has previously allowed foreign countries to guarantee the replacement of the foreign inspection certificate, which would allow continuation of FSIS reinspection pending the arrival of the certificate within 30 days of the guarantee. FSIS will discontinue this policy when the PHIS is implemented. FSIS will refuse entry on any shipment that has not been properly certified. Replacement certificates will be accepted, either electronically (e.g. scanned copy transmitted by e-mail or replacement through eCertification) or paper, at which time FSIS will continue with the reinspection.
Sampling at port of entry
When PHIS implements in May, FSIS import sampling will continue to be allocated by country, process category, product category, and species. Reinspection of product is performance-based, intended to verify the effectiveness of the foreign inspection system. FSIS ensures that the official inspection certificates issued by the exporting country, whether in electronic or paper format, are authentic and accurate and randomly samples meat, poultry, and egg products prior to releasing the consignment into commerce of the United States. This random sampling focuses on public health risks and food safety, subjecting specific shipments to a more in-depth reinspection of product, which may include product examination or laboratory testing for pathogens and chemical residues. If the shipment fails reinspection, the non-compliant product is refused entry and the automated system intensifies the rate of reinspection to ensure product compliance. FSIS has the discretion to increase the level of sampling for a specific product, country and/or foreign establishment due to cause other than import reinspection failures.
The PHIS will be operational in all U.S. official import inspection establishments handling imported shipments of meat, poultry, and egg products, effective May 29, 2012. At this time, FSIS will replace the existing Import Manual of Procedures, which provides guidance to the FSIS inspection personnel, with FSIS Directives. To facilitate the implementation of PHIS's import applications, FSIS has developed draft compliance guidance that is intended to help U.S. importers, custom brokers and official import inspection establishment plant management understand the regulatory requirements found in 9 CFR 327.5, 381.198, and 590.920. The compliance guide also explains how submitting data through the entry filed in ACE will prevent disruptions in the entry, clearance, and movement of imported FSIS-regulated shipments. FSIS will post this draft compliance guide on its Significant Guidance Documents Web page (http://www.fsis.usda.gov/Significant_Guidance/index.asp) prior to the implementation date.
If you have specific questions about PHIS implementation, please contact FSIS Office of International Affairs, Import Inspection Division at (202) 720-9904 or by e-mail at firstname.lastname@example.com.
Dr. Ronald K. Jones
Assistant Administrator
Office of International Affairs
Attachment 1 (PDF only) - List of data elements that will be transferred from ACE into PHIS initially
Attachment 2 (PDF only) - Revised FSIS Form 9540-1 (Draft)
Attachment 3 (PDF only) - FSIS Product Categorization


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Bill Gross writes that he does not consider himself a great investor, though he plaintively quotes an Ernest Hemingway character in his latest monthly market commentary, "Wouldn't it be pretty to think so?" (Those are the words, by the way, of one of Hemingway's many literary alter ego characters, Jake Barnes in "The Sun Also Rises.")
So is Gross, PIMCO's chief, being falsely modest? Is he dissembling? No. In a commentary that many advisors would do well to read, he does question his own "greatness" as an investor.
He begins by quoting Michael Jackson's song "The Man in the Mirror," and suggests that when we all look in the mirror, we focus on our good points: "The brickbats come via the blogs and ambitious competitors, but the roses dominate one's mental and even physical scrapbook."
For folks in the money management business—he doesn't spare himself—he argues that "time and longevity must be a critical consideration in any objective confirmation of 'greatness' in this business." That's the case even if "everyone in their own mind is at least a six-plus or a seven," out of 10, and if money managers are likely to judge their self-assessed "great" performance "if not for the most recent year, then over the last three, five, or 10 years. Investors thrive on the numbers and turn them in their favor when observing their reflections."
He doesn't excuse investors or advisors from this self-deception: "The investing public is often similarly deceived. Consultants warn against going with the flow, selecting a firm or an individual based upon recent experience, but the reality is generally otherwise."
With a sly allusion to the mathematician Emile Borel's assertion about how long it would take a troupe of monkeys at typewriters to replicate Shakespeare, he cites the findings of a study at London City University's Cass Business School. As reported in the Financial Times, the study found that "a significant majority of computer-simulated monkeys beat the stock market between 1968 and 2011."
So how to judge Gross and similar investing icons like Warren Buffett, Peter Lynch or Bill Miller?
To begin, he argues that "the longer and longer you keep at it in this business the more and more time you have to expose your Achilles heel—wherever and whatever that might be," and that while investing success may be predominantly "viewed on a cyclical or even a secular basis, yet even that longer-term time frame may be too short."
He argues that "If the numbers exhibit rather consistent alpha with lower than average risk and attractive information ratios then the Investing Hall of Fame may be just around the corner." He steps back from the brink, however, warning that "there is not a Bond King or a Stock King or an Investor Sovereign alive that can claim title to a throne. All of us, even the old guys like Buffett, Soros, Fuss—yeah, me too—have cut our teeth during perhaps a most advantageous period of time, the most attractive epoch, that an investor could experience." His sobering conclusion: "Perhaps, however, it was the epoch that made the man as opposed to the man that made the epoch."
Calling himself a "marginal" or "measured risk taker," he and our time's other 'great' investors prospered, Gross writes in his commentary, because he and they were investing in an epoch where "credit was almost always expanding." He wonders, however, "What if perpetual credit expansion and its fertilization of asset prices and returns are substantially altered?"
That, he says would be a true test of greatness: "the ability to adapt to a new epoch," which could run 40 or 50 years or more.
——More Bill Gross stories from AdvisorOne:


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Professional Candle Making Supplies Since 1972
Magnolia Fragrance Oil
Gel Compatible
- Good for Paraffins and Natural Waxes
- Gel & Clear Base Compatible
- Skin Safe
Product Description
Specifically formulated for use in candles (not for use in foods). The perfume fragrances are 100% concentrates and will give your candles a lively scent. These scents are classified for 3-4% usage. The scents should be added to the wax just before pouring in mold at wax temperature of 180 to 200 F. Note: 1oz orders are shipped in 4oz containers.
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