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10 Discussion Questions for Book Clubs and Others
A Novel by Joseph O'Neill
Source: One-Minute Book Reviews
This guide for reading groups and others was not authorized or approved by the author, publisher or agent for the book. It is copyrighted by Janice Harayda and is only for your personal use. Its sale or reproduction is illegal except by public libraries, which may copy it for use in their in-house reading programs. Other reading groups that wish to use this guide should link to it or check the "Contact" page on One-Minute Book Reviews to learn how to request permission to reproduce it
Netherland is an elegant study in unreliable narration. Ostensibly it is the story of Hans van den Broek, a Dutch-born banker in New York, whose his wife and son return to London without him after the terrorist attacks of Sept. 11 force the family out of their Tribeca loft and into the Chelsea Hotel. But it's unclear how much, if any, of Hans's account of his life you can credit. As the dust jacket notes, Netherland is about a city that has become "phantasmagorical," or characterized by shifting illusions and deceptive appearances. Joseph O'Neill never resolves a mystery at the heart of the book: Who killed Chuck Ramkissoon, the streetwise Trinidadian dreamer and cricket umpire who has involved Hans in an illegal business? Partly because of its ambiguous ending, Netherland is the rare novel that years from now may still inspire debate.
The publisher of Netherland has posted on its site a reader's guide to the novel that your group may want to use as a starting point for discussion www.randomhouse.com/pantheon/catalog/display.pperl?isbn=9780307377043. That list of questions is better than many, partly because it encourages you to consider such things structure of the novel – a vital aspect of fiction that often receives no attention in publishers' guides. In other ways, the Pantheon guide reflects a tin ear for the kinds of things that book clubs enjoy discussing. In this case the most obvious is the question of who killed Chuck Ramkissoon. For this reason, although many Totally Unauthorized Reading Group Guides are more comprehensive, this one focuses on that issue.
Questions for Readers
1. The first pages of Netherland say that the remains of Chuck Ramkissoon have been found in the Gowanus Canal in Brooklyn. "There were handcuffs around his wrists and evidently he was the victim of a murder." [Page 5] When a dead body turns up early in a novel, you usually find out by the end who killed the person. In Netherland, you don't. Why do you think Joseph O'Neill left that issue unresolved?
2. A reviewer for a British newspaper said that the identity of Chuck's killer is "beside the point." Do you believe it is beside the point? Why or why not? How did not learning the identity of the killer affect your view of the novel?
3. As in a traditional murder mystery, the victim hadn't led a spotless life, and many people might have wanted him dead. Do you believe Chuck was killed by one of the characters in the novel or by someone who never appears in it? Why?
4. The dust jacket says that Netherland is about a city that in the wake of Sept. 11, 2001, has become "phantasmagorical." How, if at all, might this relate to Chuck's killer?
5. Netherland is to some extent a study in the literary technique known as "unreliable narration." This involves a narrator we can't fully trust. Narrators can be unreliable for many reasons. They may be mentally unstable, pathological liars, criminals who want to hide their crimes, older people who have fading memories, or children who are too young to have a clear understanding of events. Or they may be under so much stress that they can't accept reality, or in what a psychiatrist would call "denial." (You can read more about the technique by searching for "unreliable narrator: on sites such as Answers.com or Wikipedia en.wikipedia.org/wiki/Unreliable_narrator). Might any of these apply to Hans van den Broek, the narrator of Netherland?
6. O'Neill hints early on that Hans may be an unreliable narrator. Hans gets a call from a New York Times reporter who wants him to confirm a fact in her notes — that he was Chuck's business partner. [Page 5] Hans denies this. We're only a few pages into the novel, but already it's clear: He's lying (or "in denial") or someone else is. Did you see other signs that Hans may not be telling his story straight up?
7. Not long afterward, the man at the Chelsea Hotel who wears angel's wings tells Hans that his cat has disappeared and may have been kidnapped. What do you think happened to the cat? Could Hans have killed it? Why is this scene in the novel? [Page 36]
8. Later Hans takes home a woman named Danielle whom he has met in a diner. He has sex with her and beats her with a belt — "a pale white hitting a pale black" — because, he tells us, he "understood her to need" this. [Page 115] Hans says he was "shocked" when she later failed to return his phone messages. This scene tells you a number of things about him. First, he is capable of violence. Second, his perceptions of reality are "off." Third, he may have beaten her more severely than he lets on, and this may explain why she didn't call back. How would you explain his behavior in the scene? Does it affect your overall view of his trustworthiness or lack of it?
9. What did you make of the fact that Hans had never told his wife, Rachel, about Chuck and helping him collect bets for his numbers game? [Page 238] Did you attribute this simply to problems in their marriage? Or do you think something else was going on?
10. Given all of this, could Hans have killed Chuck? If so, would the meaning of the novel be different than if Chuck had been killed by, say, the angry husband of his mistress or by someone who felt Chuck had cheated him in his numbers game?
11. Many well-known novels have unreliable narrators. These include Agatha Christie's The Murder of Roger Ackroyd, Scott Turow's Presumed Innocent and Henry James's The Turn of the Screw. (Some critics disagree about the last en.wikipedia.org/wiki/The_Turn_of_the_Screw.) If you've read any, how would you compare them to Netherland?
12. Why does Netherland open with Hans "boxing up" his possessions when he appears to have a high enough position that he could have had someone do this for him? [Page 3] Are the boxes a metaphor for how he boxes up or compartmentalize parts of his life?
Vital statistics:
Netherland. By Joseph O'Neill. Pantheon, 256 pp., $23. 95. Published: May 2008
Furthermore: Additional comments on Netherland appeared on One-Minute Book Reviews on June 9 and June 10, 2008 www.oneminutebookreviews.wordpress.com/2008/06/09/ and www.oneminutebookreviews.wordpress.com/2008/06/10/. A review appeared immediately after this guide on June 24, 2008.
Janice Harayda is a novelist and award-winning journalist who has been the book critic for the Plain Dealer and a vice-president of the National Book Critics Circle.
© 2008 Janice Harayda. All rights reserved.


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As employers explore ways to contain health care costs while complying with the PPACA, many also are looking to help their workers finance the higher co-pays, deductibles and premiums that can be a result of changes to their health care benefits.
In some instances, they are choosing what's known as gap or bridge insurance. This covers some of the out-of-pocket health care costs that are increasingly difficult for employees to shoulder, including deductibles that can go as high as $10,000.
"Back in the 1990s, the cost of health care coverage was pretty manageable for most people. But starting about 1999, there's been a steady increase in health insurance premiums," said Stephen Parrish, marketing director for Crescent Medical Bridge, a Columbia, S.C., program manager for Companion Life, a subsidiary of Blue Cross/Blue Shield. "Employers have been struggling to find solutions. They can move to medical plans with higher out-of-pocket costs, and sure they save some money, but then they have some angry employees."
See also: PPACA spurs rising interest in self-funded plans
Gap insurance, Parrish said, has helped alleviate the anger, and it looks as if the trend toward gap insurance purchases will continue post Patient Protection and Affordable Care Act implementation as HR officials and company executives consider cost and health benefit quality in their employee offerings.
Parrish said that looking ahead, his company is aiming to turn bronze health care plans, or the baseline tier under PPACA rules, into titanium plans, which exceed the PPACA top tier of platinum.
"Employees will be looking at zero out-of-pocket expenses," he said.
Many gap insurance products are sold through the workplace as part of voluntary, pre-tax cafeteria plans, with employees financing the full cost. But employers can also pick up the tab, generally coupling it with lower-priced, high-deductible health care plans. Parrish said companies often find that it can be cheaper to switch to a high-deductible health care plan and pay for gap coverage than to pay for a lower deductible health care plan. As an example, he said he was meeting with potential clients in Birmingham this week that presently pay $450 a month for a single premium. He was showing them a plan that could cost $290 a month, plus a $70 per month gap plan for a monthly per-employee savings of $90.
Dick Chelten, president of the Beverly Hills, Mich.-based Chelten Benefits Group likens gap insurance to the Medicare strategy.
"Seniors get a basic benefit plan through Medicare and then are free to supplement their Medicare coverage with additional 'Medigap' insurance," Chelten said. "Similarly, employer groups can use the same strategy for their workforce: offer low-cost, high-deductible plans plus supplemental gap insurance coverage."
The typical gap plan is written for $3,500 or $5,000. Industry research shows that 86 percent of all health care claims total less than $5,000 per year, and so in theory, could be handled with most gap plans.
But not everyone in the HR world can be counted as a fan of gap insurance.
"Very few of our employers are offering gap insurance," said Steve Goulet, principal and senior vice president of Ascende's health and welfare division. Ascende is a Houston-based human capital consulting firm.
Goulet said Ascende's clients typically are larger, employing between 100 and 10,000 employees. For them, gap insurance doesn't pencil out.
"A large portion of the premium for gap insurance goes to things other than to pay the claims, like high broker agent commissions and high advertising fees," Goulet said.
Goulet pointed out that the PPACA requires that premiums be used mostly to cover for actual health care claims. Gap insurance does not have those same requirements.
For his part, Parrish said he believes there will continue to be an uptick in gap insurance. His company, for instance, is releasing its own self-funded insurance product at the end of the month, which will have a higher deductible that can be paired with gap insurance. He anticipates it will be very popular among his clients, which tend to be small- to mid-size organizations.
Much of the sustained and growing interest in gap insurance comes from businesses that traditionally have not been large enough to self-insure but want to provide coverage for 10 to 250 employees and their dependents, said Jeff Allen, an independent HR consultant in Trenton, N.J.
Historically, concerns about the financial risks have discouraged most small firms from self-insuring, said Amado Cordova, a senior engineer at RAND, a think tank that seeks to influence policy and decision making through research and analysis.
Cordova said that if the PPACA does lead to big premium increases, it's likely small employers will find self-insurance more attractive.
Said Parrish: "What I'm hearing as I travel across the country is that (the PPACA) is going to demand that people do something different, whether it's dropping their coverage altogether or looking for a different plan. I believe they will discover gap insurance if they haven't already and determine we're a good alternative."
See also:


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Lemme talk about two little concepts in my cartoons:
1) The "Spumco Style"
2) Spumco Acting
OK first, as I've said before, there is no specific frozen Spumco style. The style of every scene in every cartoon I do depends on
who is drawing the scene (both storyboard and layout),
who painted the background,
what the scene is about and
how the artist and the characters are feeling at that particular moment.
In a very general sense the Spumco style is a combination of my style (which changes all the time) and the styles of whichever star artists happen to working on the cartoons with me. That's why not only do all the cartoons look different, but even from scene to scene characters and backgrounds change styles.
By star artists I mean the artists who have special talent - have a personal style, appeal and outlook. Not many artists have this but Spumco tends to attract them.
Now this very concept-of allowing individual artists to bring their own style to the cartoons is in this modern era of blandness unique to Spumco. Just about every other studio is completely anal about forcing all the artists to follow the model sheets and all draw the same. Every cartoon has to have the same look every week for 10 years running. To me, that is a waste of talent.
The other important major aspect of the Spumco style is the specific acting. In other words, we try not to repeat stock expressions over and over again. I have a rule that you are never allowed to draw the same expression twice in your life at Spumco.
To make this task even harder, the expressions you have to make up have to also fit the particular character and the very particular emotion he or she is feeling at this one unique moment in his/her life.
Whew! Sounds impossible? It almost is but we try for it and that's where the most fun is for me.
By the way, you really have to have strong fundamental drawing skills if you are going to try to draw specific custom made acting. Ask any artists that have ever worked for me how hard it is to do.
So below are some frames from the Lost Episodes of Ren and Stimpy. These cartoons are further experiments in the specific acting we used in the original series.
The amazing thing is many of the artists who did this work were very young and for some it was their first job.
We also had Ren and Stimpy veterans Eddie Fitzgerald, Jim Smith and Vincent Waller drawing the show.
Look at the pics below and I will tell you who drew them and then see if you can define the Spumco "style" in simple terms.
Helder Mendonca shows us duck lust
This is a final drawing by Katie Rice inspired by a rough from Nick Cross. I enjoy combinations of different artists' styles. When you let people create and influence each other you end up with lots of new ideas and drawing techniques.
Specific acting is not likely to happen for you until you get a good grip on the basics first. Drawing well constructed stock expressions is difficult enough. Specific acting is the next level up.
Katie did the girls and Luke Cormican drew Ren.
Nick Cross drew this great stylish picture.
The Zone
Katie did the girls and Luke Cormican drew Ren.
Nick Cross drew this great stylish picture.
The Zone
I've talked to some of my artists about the "zone". This is a creative state we all want to be in all the time. It's when all the rules and restrictions that you need to be a good artist and to plan your scenes are lost for a sublime moment in your subconscious and then somehow out of nowhere weird things just flow out of your pencil that you could never think of using mere logic.
It usually happens at about 4 in the morning. I was in a zone when I drew that Ren above. His eyes don't make any physical sense, but you can tell exactly what he's feeling from the weird shapes. It's weird but specific at the same time.


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Royals - 000 015 120 - 9 13 3This game had it all.
Red Sox - 331 200 33x - 15 12 1
Smoltz was credited with his first win in a Red Sox uniform, Aaron Bates collected the first hit and RBI (and error) of his major league career, Kevin Youkilis -- the Sultan of Sweat -- hit two home runs, drove in four runs and scored four times, David Ortiz crushed a two-run dong to right-center, the bullpen frittered away a 9-1 lead with Justin Masterson imploding to the tune of five runs in only .1 inning, Daniel Bard (with the tying run at the plate in the seventh inning) sat down three straight Royals, the KC pen issued six walks (three of them intentional) in the seventh and eighth innings, and Takashi Saito pitched a perfect ninth in a sudden downpour to put the Red Sox 2 GA of the Yankees.
And Ryan Freel hit into a 9-2 fielder's choice, as his bases-loaded liner to right was scooped on a short hop by J.D. Drew, who fired a laser beam on the fly to Jason Varitek, who stretched out like a first baseman to take the throw.
Gil Meche (4.14, 104 ERA+) / John Smoltz (6.60, 70 ERA+)
Time for Smoltz to shine and bring the doomers back in from the ledge. Because it's nice inside ... we have a one-game lead, the second-best record in MLB and a fridge full of cold beer.
Despite some recent hiccups, the Red Sox bullpen still has the best ERA in the American League: 3.26. The Rays are second at 3.36, and only the Mariners, Twins and White Sox are also under 4.00.
Terry Francona:
You can't go the whole year and have every reliever have a 1.60 ERA. That's probably not realistic.John Farrell:
Their execution hasn't been as consistent as we've seen for most of the year ... but to say that something is drastically wrong or major adjustments are needed? No. ... We're not seeing anything drastic in terms of a delivery flaw or a bad habit with these guys or a physical issue that's starting to rear its head.Last night's win was the first time the Red Sox won a game with as few as three hits since September 5, 2006 (a 1-0 win over the White Sox).
Since a May 26 loss to Minnesota, Lester has a 1.48 ERA in eight starts, with 69 strikeouts in 54.2 innings.
Jacoby Ellsbury was surprised at his first major league ejection:
I thought it should have been a helmet violation or whatever they call it, an equipment violation. That's why they have that. It's $100, and everybody stays in the game, and they move on. ... I thought I got in there. I spiked my helmet in frustration. ... I didn't say anything to [the umpire].Two innings later, Ellsbury's replacement in center field, Rocco Baldelli, nailed Mark Teahen trying to tag and get to second base on a deep fly ball. Ellsbury could not have made a similar throw.
In five games since last Sunday, Dustin Pedroia is 11-for-21 with five doubles and two home runs. ... Mike Lowell took live batting practice on Friday. ... Since June 25, Daniel Bard has retired 19 consecutive batters.
In his first start since a bullpen demotion last month, San Francisco's Jonathan Sanchez (9-0-0-0-11, 110) no-hit the Padres last night, 8-0 (the only base runner reached on an 8th-inning error). It was the first time Sanchez's father saw his son start a major league game -- "I was expecting him to get tired."
At 4 PM: Yankees/Angels (Joba blew a 5-1 lead last night and New York lost 10-6). Boston is 1 GA.


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Wells Fargo (WFC) said Tuesday it recruited five advisors from UBS (UBS) and Morgan Stanley (MS) with a total of $966 million in client assets. All of the advisors joined Wells' Private Client Group.
The advisor team of William Black, Courtenay Hathcock and Frederick Rossetter moved from UBS to Wells Fargo and will be based out of the New York-Penn Center branch.
Together, they have 64 years of industry experience in the industry and $418 million in client assets. They report to branch manager Ted Geller.
Also moving to Wells from UBS is Lou Walsh, who has 17 years of experience and $287 million in client assets. Walsh now works in Jacksonville, Fla., and reports to complex manager Joe Bruno.
Moving to Wells from Morgan Stanley is Eric Zakarin, who has 26 years of industry experience and $261 million in client assets. Zakarin is working out of Wells' Westfield, N.J., office and reports to complex manager Bill Drake.
As of June 30, Wells Fargo had 18,608 registered reps, of which 15,268 are financial advisors, 2,930 are in-bank advisors and the remainder — 408 — work with clients via phone.
Securities America
Independent financial advisor Gregory O'Donnell of the O'Donnell Financial Group in Larkspur, Calif., and six other advisors joined Securities America, a unit of Ladenburg Thalmann (LTS) with about 2,700 reps, last Wednesday.
"With such a strong footprint in the San Francisco area, and a broad reach with their unique radio show, we are excited to welcome Greg O'Donnell and his practice to the Securities America family," said Gregg Johnson, senior vice president of branch office development and acquisitions, in a press release.
O'Donnell Financial has some $1.4 million in annual revenue and $137 million in client assets. It was previously affiliated with Financial Telesis of San Raphael, Calif.
"It was important to partner with an experienced leader in the broker-dealer world to provide us the support and product offerings we require to continue to grow and expand our business," said O'Donnell, in a statement. "As a leading broker-dealer in the industry, Securities America is a known entity that I can trust to support my endeavors."
Check out New Hire Roundup: CFPB Names Antonakes Deputy Director on ThinkAdvisor.


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Yankees - 003 020 000 1 - 6 11 0A check swing grounder by Derek Jeter in the 10th inning got past Jonathan Papelbon's glove and Bill Hall's bare-handed grab attempt, and Brett Gardner scored from second base.
Red Sox - 201 000 110 0 - 5 11 2
The Red Sox -- Felipe Lopez, Ryan Kalish, Eric Patterson -- went quietly in the bottom of the 10th against Mariano Rivera. J.D. Drew, a better hitter than any of the three guys who actually batted in the inning, watched the end of the game from the on-deck circle; he was going to pinch-hit for Kevin Cash.
Dumbo Posada tried very hard to give the game to Boston -- the runs in the seventh and eighth both scored on wild pitches that the Yankee catcher botched. A third run nearly scored on Posada's throwing error after the eighth-inning wild pitch, but Josh Reddick was thrown out trying to score from second by Ramiro Pena, with Kerry Wood making the tag.
Mike Lowell hit a two-run double to right-center in the first, walked and scored in the third, and singled high off the Wall in the fifth.
McDonald, CFFirst game of a Saturday doubleheader. Fox gets its broadcast at 4 -- and the nightcap will start about 9 PM.
Lowrie, SS
Martinez, C
Ortiz, DH
Lowell, 1B
Hall, RF
Nava, LF
Navarro, 3B
Lopez, 2B
Marco Scutaro will not play in the remaining games.
Also today: Rays (0.5 GB)/Royals.
1953 - Carl Erskine (9-6-2-3-14) of the Dodgers sets a World Series record with 14 strikeouts in Game 3 against the Yankees at Ebbets Field.
1963 - Sandy Koufax (9-6-2-3-15) of the Dodgers breaks Erskine's record by striking out 15 batters in Game 1 at Yankee Stadium.
1968 - Bob Gibson (9-5-0-1-17) of the Cardinals breaks Koufax's record by striking out 17 Tigers in Game 1 at Busch Stadium. That remains the record.
Before 1953, the record had been 13, set by Howard Ehmke of the A's in Game 1 in 1929 -- though not on October 2.


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Hey guys,
Does anybody know if the black barding with the golden lion and the black shields with the golden emblems have ever been released?
It's definitely a promo photo showing items never released to the public so it may be a lost cause trying.
But if anybody has any information please throw it my way!
Many thanks


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The NFL Players Association announced Tuesday that it has expanded its four-year-old partnership with Financial Finesse, the retirement and financial education provider, with the launch of a Financial Helpline service that NFLPA members can use.
In a webcast, Liz Davidson, founder and CEO of Financial Finesse (who also writes regularly for AdvisorOne) and Dana Hammond, director of player affairs and development for the NFL players union, spoke of the unique challenges faced by NFL players in managing their money, and the role that Financial Finesse has already played in educating players about not just the basics of money and investing, but also how to choose an advisor.
Hammond said that NFL players' financial challenges starts with the fact that "We're dealing with impressionable young men coming into the big NFL, playing out a lifelong dream." However, "they're often victims of financial advisors who are looking to separate them from their newfound wealth," while "the requests they get from friends and family add to the pressures they're feeling."
In addition, players get only 17 paychecks a year, all paid out during the season, so the challenge for these players, Hammond says, is that "in that short time period, lots of money comes in quickly, and abruptly ends at the end of the season," forcing the player to manage through the rest of the year. Then there's the issue of whether the player will get "picked up for the next season," and the overall short tenure of a professional football player's career.
Davidson (left) pointed out that unlike most other working people, whose income tends to rise the longer they work, for NFL players, "so much of their wealth is up front; the reverse of most of us who gradually raise our salaries." Moreover, Davidson says professional athletes also have to prepare for two retirements: from their playing careers and then when they stop working.
In 2009, the NFLPA retained Financial Finesse to help with its education program for current and retired NFL players. Hammond said the union knew it needed to help its players prepare for the likelihood of an owner's lockout in 2011. "We sat down and put together a plan to address a crisis—players were facing a potential lockout in 2011, so we had two years for the players to save their money to prepare for the lockout, which could last an entire season." A lockout would also affect the players' health insurance coverage, a paramount consideration for people who make their living as athletes.
Hammond said that in addition to teaching players the importance of saving overall, and for the likelihood of losing their income during the lockout—urging players to "save 25% the first year, 25% the next year"—the NFLPA "wanted the guys to buy into this as leverage against the owners."
The education program would have to take into account the youth of NFLPA's current players, Hammond said. "We couldn't do something text-heavy; it had to be user-friendly, and to be mindful of who we're working with—players who have short attention spans."
The program that Davidson and Financial Finesse put together played on the natural competitive nature of athletes, gave them anonymity so they could admit to ignorance of certain topics or having issues that they might be ashamed of, and used online contests and icons that provided education, and showed how far along the players were in preparing for the lockout. That was the Lockout Preparedness Score, which was displayed to the player after he answered 12 questions about his finances, and showed on a football-field graphic how close the individual was to full preparedness, shown as crossing the goal line.
Davidson said an important lesson for any financial educator, including advisors, is that you have to meet clients "where they are and take them where they need to be." So for these young players, and for millennials in general, says Davidson, the education has to be interactive and use podcasts, videos, contests and social media to reach those clients "where they are." Moreover, she says that "the learning style of players is kinesthetic, and contests sparked the competitive nature of players."
So how well did the program work? Over the two years leading up to the lockout, 48% of the players reported that they saved at least 20% of their salaries each year. According to the executive director of the NFLPA, that financial preparation enabled players to "stand united in negotiations" with the owners.
Hammond pointed out that while more than 1,200 players — current and retired — have used the online financial education center set up by Financial Finesse, "ongoing usage is strong" as well. While the NFLPA started the program "for the lockout, the lockout is nothing more than a fire drill for when the paychecks finally end," Hammond pointed out. With what they've learned from participants, Hammond said "we can use some of this as a transition tool; they'll be engaged for a different reason," using their increased knowledge and changed saving behaviors "to turn it into a wealth-building process."
Davidson again related the NFLPA experience to that of advisors, for instance, to retirement plans. "You might bring in an educator for a specific event — a merger — so you have success metrics for that event, but then turn it into an ongoing program for individual crises. If they're engaged, they'll be more proactive."
That's where the new Financial Helpline rounds out services to the NFLPA. Current and retired players can call Financial Finesse's CFPs on the phone, notes Hammond, "for a second opinion, or when they're in a crisis, or for ongoing coaching." Since those CFPs are salaried employees, the players know the education and counseling they get is unbiased; the Financial Finesse planners will never sell them a product.
Hammond argues that in addition to making the players more informed financial consumers, they can be educated about advisors themselves, so they know what to ask of advisors, which certifications to ask about, to be a "safety net" for players. The Hotline CFPs could also play a role in protecting those players from unscrupulous or fraudulent advisors.
Check out these related stories on AdvisorOne:


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Mistakes Can Be Costly. Let's Try to Be Accurate in Our Work.
I was eight years old when I caught gymnastics fever. It was the summer of 1984. Los Angeles hosted the Olympics. Mary Lou Retton was America's sweetheart. And NBC must have re-aired the Nadia movie 10 times that summer. My sister and I begged and pleaded so, of course, my parents let us start lessons. The first gym wasn't what we expected. They never let us do any real tricks, we couldn't use the whole beam, only the part over the giant fluffy mat and we vaulted onto a large upholstered box. However they had large pit full of foam squares, just like in the Nadia movie, and a lot of the kids taking classes there were "Industry," including the younger siblings of a then rising sitcoms and afterschool specials star with a child-of-hippies first name and a state capitol for a last name, so you'd better bet classes were expensive.
Eventually we switched to youth classes at the local community college. No Nadia pit "full of bouncy things" but plenty of encouragement to try difficult tricks at a reasonable price. And the gym in which the classes were held announced it's more serious work ethic when you walked in the door with a large poster of a young gymnast in the middle of a giant swing on the uneven bars with her toes just brushing the floor, a major points deduction, and the saying I used for my headline: Mistakes Can Be Costly. Let's Try to Be Accurate in Our Work.
Watching the Angels play this season, this poster comes to mind fairly often. Mind you, the team is doing well in many ways and they're only two games out of first, even with the last two losses. But when the Angels do lose, all too often, they've really beat themselves with some sort of costly mistake. Walking batters, sometimes several in a row. Errors on what would have been the third out. Meatball pitches. Base running gaffes. Swinging for the fences to the point of detriment when a nice hard knock into the gap would suffice. Mental vacations at inopportune fielding moments…I could go on, but you get the general idea.
All teams have these moments, make these mistakes. But, for whatever reason, timing is not on the Angels side this season and when mistakes are made, they quickly prove costly with even greater frequency than normal. And just what can a team do to prevent this situation? Nothing, other than work harder to keep the mistakes in check. This is why I love this particular poster so much that it has stayed with me all these years. It doesn't yell, or point fingers and it doesn't suggest for a second that anyone can live an errorless existence. It just states a simple fact, mistakes can be costly, and suggests a valuable action plan. I've already seen improvements in the Angels play this season. If they can avoid more of the costly errors, mental and otherwise, in the next few weeks, I expect they will still be playing in October.
* * * * *
So, were there any high points we can take away from the series in the Bronx? Yes, indeedy. Dan Haren for one. He pitched most of a great game (Bringing in Fernando Rodney against Jeter with two on and two out was a moronic decision. Coaching staff, see previous conversation about mental errors.) and was an excellent mentor to young Garrett Richards, chatting him up and keeping him positive after his first game. Richards himself. Yes, he had a terrible first inning and a terrible fourth inning. But the kid fresh up from AA making his major league debut in the Bronx also pitched two 1, 2, 3 innings and a third near 1, 2, 3, inning (except for that little solo homerun thing, D'oh), striking out Derek Jeter and Mark Teixeira in the process. Was it an awe inspiring debut? No, but I do think the kid shows promise. Tyler Chatwood's debut was much the same and he was another bright spot in this series.
Angels bats were a frequent high point – Bobby Abreu, Peter Bourjos, Torii Hunter, Maicer Izturis, and Mark Trumbo all hit well throughout the series and others had hits. If only they could have hit consistently with runners in scoring position throughout the series, this could have been a different post. But at least the fought back this series. No, we scored our three runs in the first two innings and couldn't possibly score any more until tomorrow. That was a positive…that and two homeruns off Mariano Rivera. Hey, we take our giggles were we can. 😉 Angels fielding was also stellar this series and errorless, except for that one really, really big one…see previous conversation. *sigh*


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Athletics - 010 000 201 - 4 13 0It took awhile, but the Red Sox finally stole Cahill's lunch money and gave Wakefield (6-10-3-1-8, 100) his 175th career Boston win. Only one of the three runs was earned and the eight punchouts was a season-high.
Red Sox - 000 004 10x - 5 7 1
Wakefield trailed 1-0 because of three Oakland hits to start the second inning. He allowed a bunch of hits in his outing, but his knuckleball was also moving like I've rarely seen it move before. It darted in towards hitters' heads, it suddenly swerved sideways (both left and right), it dropped straight down. NESN had a great shot of Orlando Cabrera shaking his head in disbelief in the dugout, demonstrating for a coach how Wake's pitches were defying the laws of physics.
J.D. Drew tied the game at 1-1 with a home run to begin the sixth. Dustin Pedroia singled and Kevin Youkilis walked. It was clear that Cahill -- at 92 pitches -- was cooked, but Oakland manager Bob Geren stayed with him. Big mistake. David Ortiz crushed a 2-1 pitch to deep right field for a three-run dong -- and a 4-1 lead. Boston got an insurance run in the seventh when Drew walked, Pedroia doubled and Ortiz had an RBI groundout. Tiz ended the night with four RBI.
Bot began the ninth by walking Adam Kennedy and surrendering a single to Orlando Cabrera. Scott Hairston's fly ball to left-center -- which both Don Orsillo and Dennis Eckerlsey thought was leaving the park -- was pushed back by the wind and was only a sac fly to Jacoby Ellsbury on the track. Papelbon fanned Matt Holliday for the second out, but Kurt Suzuki singled to move the tying run to second. Bot struck out Jack Cust to end the game.
FY went 3-for-4 with two doubles, Yook and Bay each walked twice, and Ellsbury and Mark Kotsay each singled and stole a base.
Trevor Cahill (4.55, 90 ERA+) / Tim Wakefield (4.30, 108 ERA+)
We face yet another rookie tonight.
Cahill has made 17 starts: 93 innings, 96 hits, 38 walks, 45 strikeouts. Inflated WHIP, poor K/BB ratio, opponents line of .267/.338/.493, and left-handed hitters slap him around to the tune of a .997 OPS.
BP 2009 compares him to Brett Anderson:
Although Cahill is right-handed, like Anderson he's not overpowering, but is hardly a soft-tosser, effectively mixing a low-90s sinker, outstanding curveball, and solid change, with good command and control of all three.In 11 starts from May 2 to June 22, Cahill posted a 3.15 ERA, with opponents hitting .248/.296/.432. In each of his last two starts, however, he has lasted only 3.2 innings.
Tidbits from MLB's John Barone:
Boston has reached the 50-win mark before the All-Star break in four straight seasons. ... Pitchers Josh Beckett and Jon Lester are the first pair of Sox hurlers to rack up at least 100 strikeouts before the break since Pedro Martinez and Curt Schilling in 2004.Hoo-Kay: With his home run, double and two steals, Jason Bay became the first Red Sox left fielder with two extra-base hits and two stolen bases in the same game since Tommy Harper (September 19, 1973, against the Yankees).
Mark Kotsay's right calf is "feeling better". ... Adam Kilgore notes that John Smoltz's BABIP in his three starts is a whopping .370. ... Kevin Youkilis is in a 2-for-26 slump and is hitting only .207 since June 1.


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text:
Ameriprise Financial (AMP) said late Tuesday that its net income was $381 million, or $1.86 per share, in the third quarter vs. $174 million, or $0.79 per share, a year ago.
Operating net revenues increased 7% to $2.7 billion, driven by growing client net inflows, client activity and market appreciation.
"We had an excellent quarter with strong growth in revenue and record operating earnings," said Chairman and CEO Jim Cracchiolo, in an earnings release."We are building on the momentum we've experienced throughout the year; wealth management is producing strong results and assets under management are up across the firm."
Also recently, the company relaunched its advertising campaign that features actor Tommy Lee Jones, who stresses the firm's reputation of strength and stability, according to Ameriprise.
"In terms of our brand and advertising, we're working with Tommy Lee Jones again, because we like the way he conveys our story and consumers and advisors have responded well," Cracchiolo said during a conference call with equity analysts. "We're currently filming new ads that you'll see early next year."
He added that external research shows "Ameriprise is one of the most trusted financial firms in the industry."
Wealth Results
Advice & Wealth Management saw its client assets grew 13% year over year to $389 billion, while total wrap assets increased 19% to $144 billion.
The advice and wealth management unit had $3.02 billion of flows in the most recent period, down slightly from $3.12 billion in the previous quarter but up sharply from $2.06 billion a year ago.
Its advisors finalized $55 million worth of financial plans in the third quarter vs. $61 million in the prior quarter and $49 million in the year-ago period.
"Experienced advisor recruiting remained strong, with 86 experienced advisors moving their practices to Ameriprise during the quarter, and the recruiting pipeline remains solid," the company said in its earnings release.
The headcount for Ameriprise's financial advisors was 9,761, down from 9,788 in the second quarter and 9,815 a year ago. About three-fourths of the reps are franchisees, while the rest are employee advisors. The average retention rate is about 95% and 91% for these two groups, respectively.
Average revenue per advisor was $110,000 in the third quarter, up from $98,000 a year ago. For the first nine months of 2013, advisors are collecting an average $293,000 in fees and commissions.
"Advisor productivity continues to improve with good uptake in key initiatives to support advisors, including the new brokerage technology platform and the adoption of the company's 'Confident Retirement' approach," according to Ameriprise.
Check out ThinkAdvisor's 2013 Q3 Earnings Calendar for the Finance Sector.


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On the occasion of the 40th anniversary of the World Heritage Convention, the Ministry of the Environment and the Forestry Agency in Japan organize a symposium on the World Natural Heritage of Japan.
The objective of this event is to discuss the achievements and issues regarding sustainable use of natural resources, protection and management, and the role of local communities in World Natural Heritage sites of Japan. It will gather experts on natural heritage and natural conservation.


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iPhone device does not ask for a code. So unlike other services we offer on UnlockBase, instead of receiving an unlock code, you will be receiving an email that confirms your iPhone is unlocked.
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All products, and company names, logos, and service marks (collectively the "Trademarks") displayed are registered® and/or unregistered trademarks™ of their respective owners. UnlockBase is not associated with or sponsored by Meteor. The authors of this web site are not sponsored by or affiliated with any of the third-party trade mark or third-party registered trade mark owners, and make no representations about them, their owners, their products or services.


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When most people hear "baked brie" they think of brie en croûte – a round of cheese slathered with preserves, typically apricot or raspberry, or maybe some dried cranberries and then wrapped in puffed pastry and baked. This is good but, in my mind, a bit too overdone. The main trick to brie en croûte is to use a good puff pastry and to cook at a pre-heated oven at a high heat, ~425°F for 15-20 minutes until the pastry is golden brown. That's it. Super simple.
Of course, I can't really leave simple alone. When I do make this type of baked brie, I typically caramelize slivered almonds to cover the brie with before wrapping in a puffed pastry crust. Just different enough to get a few surprised looks. I remember making this for my friends Adam and then pregnant Pamela, who was thrilled when we realized that unlike French brie made with raw milk, in the US, brie is made with pasteurized mik, so she could indulge freely.
For my birthday 2 years ago (when I served "A Taste of Europe in Manhattan" for over 50 guests…NOT TO BE REPEATED without a serving and clean-up crew!), I experimented and came up with a slightly savory baked brie dish. It obviated the need for the puff pastry shell, using the natural rind to contain the oozing cheese and baked directly in the round wooded box, creating a unique flavor and presentation that preserved the essence of the brie.
This is potentially also slightly lower in calories (since there is no puff pastry). But, let's be real. Once you're talking about double écrémé cheese (almost 50% butterfat!) the only way to pretend you're cutting calories is by moderation. Small portions — just un petit goût as the French might say, a little taste, a few forkfuls. But this stuff is so good, you might need to hide it from yourself!
I made this dish for my parents when they came to spend Rosh Hashanah, the Jewish New Year, with me soon after I moved to Cambridge last year. My father has been requesting the recipe for months so that my mother will make it for him (most of my father's cooking is relegated to the grill…). So, here are the long overdue, step-by-step directions.
Baked Brie sans Croûte with Caramelized Onions
Caramelized onions adapted from Mark Bittman's How to Cook Everything. I make these caramelized onions into almost a confit to spread in the middle of the brie.
I use a 2-pound Président Brie that I have only ever found in Zabar's in New York (see Resources) because it comes in a nice wooden box.
This is definitely a party-sized recipe, but this recipe can be halved for if you want to make a 1-pound Brie (though the onions are pretty good and you should make the whole recipe, reserving the onions to serve warm on the side or for another use). Even if the cheese does not come in a wooden box, you can bake on foil and the rind should contain the cheese pretty well. In order to slice the Brie in the middle lengthwise, freeze the cheese for about 30 minutes while preparing the onions, and then score with a knife and use dental floss to evenly cut the Brie through to the center.
A 2-pound Brie serves 15-20 as an appetizer with water crackers or slices of baguette
1 2-lb wheel of Brie
2 onions
2-3 T olive oil or mix of olive oil and butter
2 T sugar
3/4 C water
1-2 T good balsamic vinegar (see Resources)
pinch Kosher salt (to taste)
dental floss (unflavored) – yes, dental floss
Preheat oven to 350ºF (You may be able to cook this at a higher temperature for a shorter amount of time, but I have always made it at 350).
Place wrapped Brie in freezer (~30 minutes) for easier slicing later.
Prepare caramelized onions. Slice onions into very thin half- or quarter-rounds. Saute in olive oil or oil/butter mix over medium heat for ~15 mintues until start to brown. Add sugar and water and raise heat to medium high. Cook, stirring frequently until the onions are shiny and continue to darken, and the liquid is almost evaporated, ~ 10 more minutes. Add balsamic and cook additional 5 minutes until onions are dark brown and syrupy. Taste and add salt if necessary (the salt brings out the sweetness in the onions and give an extra bit of savory to the mix).
Then wrap dental floss around the cheese, cross the ends, and pull so that the floss slices through the cheese evenly, cutting it into two pretty even halves.
Place one half in wooden box bottom, cover with onions, and top with the other half of the cheese.
I like to score the top of the rind so that some of the cheese will bubble through and it is easier to tell when brie is ready. I also top the cheese with a little bit of the onion to give a little hint of what is inside, but again, not necessary.
Cheese should be baked in wooden box bottom, on aluminum foil (in case of spills) and placed on baking sheet on center rack.
Brie is ready when cheese begins to seep through scores in top of rind and the cuts begin to separate.


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Le Fresne-Camilly
From Wikipedia, the free encyclopediaJump to navigation Jump to search
Le Fresne-Camilly is a commune. It is found in the region Basse-Normandie in the Calvados department in the northwest of France.
This short article about a place or feature in France can be made longer. You can help Wikipedia by adding to it.
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24/30 City/Highway MPG
6 Speakers, 6-Way Power Driver Seat Adjuster, Air Conditioning, AM/FM radio: SiriusXM, Apple CarPlay/Android Auto, Black Carbon Metallic Lower Exterior Accent Color, Bumpers: body-color, Dual front impact airbags, Exterior Parking Camera Rear, Heated door mirrors, Power door mirrors, Power driver seat, Power windows, Preferred Equipment Group 1SB, Premium audio system: IntelliLink, Rear window defroster, Rear window wiper, Remote keyless entry, Speed control, Spoiler, Steering wheel mounted audio controls, Telescoping steering wheel, Tilt steering wheel, Wheels: 18" Machined-Face Alloy.
* JD Power Dependability Study * 2017 KBB.com 5-Year Cost to Own Awards * 2017 KBB.com Brand Image Awards
Kayser Chrysler Center of Watertown has three principles of integrity for customer service, Your Satisfaction First, Best Price Policy and the Love it or Leave it Guarantee. We carry the large selection of a big city dealer with the heart of a small town merchant. Allow our automobile experts to answer all your questions.
Used 2017 BuickEncore Preferred SUV
- Stock: T37163
- Odometer
- 34,471 miles
- Fuel Economy
- 24.0/30.0 mpg City/Hwy
- Exterior Color
- Ebony Twilight
- Interior Color
- ebony
- Body/Seating
- SUV/5 seats
- Transmission
- 6 speed automatic
- Drivetrain
- all-wheel drive
- Engine
- 1.4 I-4 cyl
Buick Encore
Highlighted Features
- Emergency communication system
- Premium audio system
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- Exterior parking camera rear
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- Remote keyless entry
- Steering wheel mounted audio controls
Detailed Specifications
- 1-touch down
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- Front tires: 215/55HR18.0
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- Wheel size: 18"
- 1st row LCD monitors: 2
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- Split folding rear seat
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- Drive type: all-wheel drive
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- Engine location: front
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- Fuel economy combined: 27mpg
- Fuel economy highway: 30mpg
- Fuel tank capacity: 14.0gal.
- Horsepower: 138hp @ 4,900RPM
- Manual-shift auto
- Number of valves: 16
- Recommended fuel: Regular Unleaded
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- Torque: 148 lb.-ft. @ 1,850RPM
- Transmission: 6 speed automatic
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- Engine horsepower: 138hp @ 4,900RPM
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- Exterior length: 4,277mm (168.4")
- Front headroom: 1,006mm (39.6")
- Front hiproom: 1,313mm (51.7")
- Front legroom: 1,036mm (40.8")
- Front shoulder room: 1,377mm (54.2")
- GVWR: 1,984kg (4,374lbs)
- Interior cargo volume: 532 L (19 cu.ft.)
- Interior maximum cargo volume: 1,371 L (48 cu.ft.)
- Rear headroom: 986mm (38.8")
- Rear hiproom: 1,273mm (50.1")
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- Turning radius: 5.6m (18.3')
- Wheelbase: 2,555mm (100.6")
- Compass
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- Display: digital/analog
- Exterior parking camera rear
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- Tachometer
- Trip computer
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- Rear side impact airbag
- Security system
- Tracker system: OnStar Guidance
- Traction control
Dealer Notes
KBB.com Consumer Reviews
- 5.0
absolutely love this car!
By Barb on Tuesday, November 07, 2017I fell in love when I first saw this car. Traded in a 2005 Jeep Liberty with only 68000 miles on it. The quiet and feel while driving is amazing! Am getting 25/32 MPG obviously better than the Jeep. Would have liked an auto trunk lid, hard to maneuver with pkgs in your arms but plenty of room for groceries etc. I am not tech savvy so I am still learning all the things available on this car. Was leary at first about 4cl turbo but it has plenty of pep on straight away as well as mountain roads. Am a senior citizen and getting in and out is a breeze. Price and value I feel is very good
- 5.0
Great handling & Quiet
By 2B1ASK1 on Saturday, January 06, 2018I bought the Buick Encore Leather packaged car used and was a leased car and was in new low milage condition. Before I bought it, I read the Consumer Report on it and saw their review as under powered with better choices out there. I couldnt disagree more. The 4 cylender is only underpowered if youre used to gunning it at the stop lights. The 6 speed trans gives very smooth acceleration not bogging down at all and I get 33.2 mpg on the road driving the speed limit. The handling is exceptional and very quiet to drive. Every body seam every interior fit is perfect. My only single complaint is the dim headlights. I spent 25 and upgraded to 125w (each bulb), 6,000k, 1200 lumen LED headlights (5 minute DIY job) and now its a perfect SUV for my Wife & I.
- 5.0
Quality,Reliability,Style make this car stand out.
By Buckeye Joe on Wednesday, April 18, 2018I bought my Encore after comparing it to 14 other crossover vehicles out there and I know I made the right choice. The only complaint - under-powered...and I scoff at that as mine has a turbocharged 1.4L engine that is no slouch. It gets 35 mpg on the road and I average 29 mpg overall. It handles like a sports car and the fit & finish are impeccable. The exterior styling is the rival of all the other suvs and this one makes heads turn. There is a reason that GMC kept the Buick line and now I know why - This vehicle is true quality on 4 wheels. It is the best vehicle Ive ever owned and I believe Ill be driving it for many years. To anyone contemplating buying one of these Buicks, Id seriously recommend the AWD option - it is flawless.
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text:
International Oil Working Group Collection
The International Oil Working Group (IOWG) is one of a number of organizations that worked to implement an oil embargo initiated by the United Nations General Assembly against South Africa to protest the country's policies of apartheid. The IOWG grew out of the Sanctions Working Group established in 1979. Although the nature and timing of the change in names is unclear, it appears that Dr. Teresa Turner was instrumental in the formation of both groups and was primarily responsible for their organization and administration. Other directors included Luis Prado, Arnold Baker and Kassahun Checole. While the group was loosely organized, it maintained the basic structure of a special advisory board with a pool of research associates. Primary activities involved researching topics related to the oil embargo; writing papers for regional, national, and international conferences; giving testimony at UN meetings; providing information to governments, unions and other groups committed to aiding in the implementation of the oil embargo; lecturing to students and members of the community on the subject of sanctions against South Africa; and collaborating with the UN Center Against Apartheid. Research topics included tanker monitoring to detect and expose those shipping companies that broke the embargo; the energy needs in those countries in southern Africa which depend upon South Africa to meet some of their energy demands; ways to effectively implement and enforce the oil embargo; trade union action by oil transport workers; Namibian independence and decolonization; and underground oil storage in South Africa.
Collection consists of administrative papers including financial records, minutes and association history materials; correspondence; printed materials produced by the IOWG; conference files; UN documents relating to South Africa and sanctions; and reference materials, including published reports, news clippings, newsletters and journals, related to oil shipping, tanker information and South African economic and political activity generally.


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Find out how little it actually costs to hire a small size motorhome during June from your local Yorkshire motor home depot today!
Wondering how much hire a motorhome costs from Barnsley Motorhomes would cost you in June?
Here is a recent sample June quote: jayne from Sheffield recently wanted a quote for 4 nights in a small motorhome during June (01/06/2017) and heres a copy of our all inclusive hire quote provided
Check availability, get a quote or book online your hire a motorhome holiday here!
Motorhome / Campervan hire quote details for jayne based in Sheffield looking for a Couple motor home holiday during June for 4 nights.
from Barnsley Your hire quotation is based on the small motor home size: www.nationalmotorhomes.co.uk/motorhome-for-rent/
Hire Starts On 01/06/2017
Hire Returns On 05/06/2017
Hire Days 4
Collecting from Barnsley
Barnsley Motorhomes hire quote reference 591051108bf3836543696200
Barnsley Motorhomes web page link
Based on the following motorhome and camper van hire conditions
Hirer is based in the UK
Hirer requires a motor home to sleep? 2 people
Number of people who will drive the vehicle? 1 (Max 3)
jayne asked the following hire a motorhome question
We asked jayne from Barnsley these questions:
Ever had a motor home or camper van holiday before? Yes
What date did you make your motor home hire enquiry? 08/05/2017
What region are you based? Yorkshire
Planning hire a motorhome for the UK or EU? UK
Where do you wish to collect the campervan or motor home from? Barnsley
What campervan rental travel package do you need? Silver
The motor home rental travel package includes Unlimited Mileage, Pet Supplement, Bike Racks, Toilet Pack and TV, gas bottle, car parking
What size motor home or camper van do want to rent? small size motorhome
Our motorhome rental quote:
jayne, based on your hire a motorhome requirements, Barnsley Motorhomes recommends a Silver travel pack which covers these optional rental extras Unlimited Mileage, Pet Supplement, Bike Racks, Toilet Pack and TV, gas bottle, car parking
Your hire quote is based on our small size motor home
Barnsley Motorhomes all inclusive quote is £670.00
Watch our Barnsley hire a motorhome video here
To check availability for June, please visit our website, or call our reservations team (Open 7 days per week 8am to 8pm). You can book for as little as £199 deposit and the balance is due 6 weeks before the motorhome hire start date.
If you're looking to rent a motor home, or hire a camper-van for a motorhome holiday during June, contact Barnsley Motorhomes now!
Barnsley Motorhomes is a Yorkshire based camper van hire and motor home hire company providing hire a motorhome in the Barnsley, Sheffield and Leeds area.
W https://www.barnsleymotorhomes.co.uk


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Mesirow Financial and RPG Consultants announced a new "alliance" on Thursday that enables retirement plan sponsors to access Mesirow's portfolio management capabilities for their defined benefit and defined contribution plans.
Specifically, the companies report Chicago-based Mesirow's comprehensive investment fiduciary services are now available on New York- based RPG Consultants' open architecture platform, which offers recordkeeping as well as value-added plan consulting, actuarial and administration services.
With Mesirow Financial's 401(k) plan methodology and implementation technology, the agreement offers plan sponsors a "comprehensive solution to managing fiduciary risk and enhancing the value they offer to participants in their 401(k) and profit sharing plans," according to the companies.
Integrating fiduciary management services with RPG's platform allows for "extensive retirement portfolio customization at a reasonable cost," the company says. "With an array of portfolio options that include professionally managed investment models, plan advisors will be able to offer participants a simple tool for allocating their retirement assets."
In addition, the Mesirow Financial-RPG solution provides a "high level of transparency to plan sponsors and participants."
"This is another step in our continuous effort to expand the audience for our flexible and cost-efficient fiduciary solutions," "Michael Annin, senior managing director and head of the investment strategies team at Mesirow, said in a statement. "We are excited about the opportunity to partner with RPG Consultants to offer our solution to their plan sponsor and advisor clients."
Read Plan Sponsors Focus on Fee Disclosure Rules on AdvisorOne.