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Plan For Port Moresby Security Cams Resisted By Police
Private security firm could take on policing duties
By Liam Fox
MELBOURNE, Australia (Radio Australia, Jan. 5, 2013) –A plan to install security cameras around Port Moresby and outsource minor policing to private security is meeting resistance from PNG police.
Papua New Guinea's capital has long had a reputation as one of the world's most dangerous cities, and local authorities are hoping to curb rampant crime by installing security cameras around Port Moresby.
One of the main architects of the plan, Governor of the National Capital District Powes Parkop, says action is needed to snap the mindset of impunity.
"To move away from a mindset where in the morning they think I can get away with snatching a bag, I can get away with stealing a car," he said.
"Anybody can do anything they want any time, any place, that's got to end."
The cameras relay pictures to a control room in the local headquarters of the multinational security giant G4S.
The company says it will notify police if it sees any disturbances or illegal activities and the images can be used as evidence in court.
But the Governor's plan goes a step further, he wants G4S security guards to respond to minor incidents because police are not up to the job.
"We've got less than 1,000 policemen and women in a city that is growing, that is expanding, the population is increasing," he said.
"We have about 700,000 now - we could in the next five years surpass 1 million."
The General Manager of Communications and Technology at G4S, Rob Andrews, says his guards would only respond to certain situations.
"If it's general moving people on, chewing buai (betel-nut) in the wrong places, causing a commotion prior to some sort of incident, if we can predict that and prevent it then we will dispatch our guards to get to the site as soon as possible," he said.
"The idea is prevention."
Mr Andrews admits there's potential for his guards to overreact and assume the powers of police officers, particularly in tense situations.
"That can happen and unfortunately it does in some circumstances and there's procedures in place that we have to use in terms of discipline and so on," he said.
"But with the right trained personnel and with the video evidence those sort of incidents will be minimised."
As part of the Governor's crime crackdown he wants to install cameras in crime hotspots like markets and bus stops.
While stallholders and shoppers at Gordon's Market, which has become a magnet for petty criminals, pickpockets and bag-snatchers, approve of the move, the local police do not.
Metropolitan Superintendent Peter Guinness says police were not consulted about either the installation of security cameras or the use of security guards.
"I won't be talking, or I won't be cooperating, or the police will not be cooperating with G4S," he said.
Superintendent Guinness says the cameras breach privacy provisions in the constitution, and recordings would not be admissible in court.
As for the security guards, he says only police officers are authorised to enforce law and order.
"If G4S is seen to takeover the duties and responsibilities of the police, they've committed an offence for creating an extraordinary police force in PNG," he said.
Superintendent Guinness admits his officers don't have the resources or manpower to do their jobs properly.
But he says they would be in a better position if the money being spent on cameras and security guards was given to the police force.


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Dunny JewelryWEDDING RINGS
Anniversary & Wedding Rings
An anniversary is something special. Each anniversary is a reminder of the love and life you share as best friends and true loves. No matter what anniversary year it is, diamond anniversary rings and bands are always an appropriate and well-loved gift. These beautiful and elegant diamond rings are not just for anniversaries, however; they also make perfect wedding bands. Whether it's the ring that will symbolize your love and marriage or the ring that will symbolize your continued love for one another, our anniversary and wedding ring collection is timeless and incredible.

subset: commoncrawl


text:
CUTTING back on sugar can help people make a small but significant fall in weight, an Otago University-led study says.
The study, commissioned by the World Health Organisation (WHO), found that reducing free sugars in the diet produced an average weight reduction of 0.8kg, while increasing sugar intake produced a corresponding increase of 0.75kg.
The findings were the result of researchers studying numerous international studies of the impact on body weight of free sugars – sugars added to foods by the manufacturer, cook, or consumer, plus those naturally present in honey, syrups, and fruit juices.
"It seems easier to overeat if your diet includes lots of sugary foods and drinks. When you overeat you gain weight," said Dr Lisa Te Morenga of Otago's Department of Human Nutrition, one of the study's lead authors.
After searching nearly 8000 trials and 10,000 studies published up to December 2011, the researchers found 68 studies that directly looked at the effects of free sugars on body weight and analysed those.
Dr Te Morenga said few of the studies had data lasting longer than 10 weeks, meaning the extent to which reducing sugars might reduce risk of obesity can't be extrapolated from the findings.
However, she said that "when considering the rapid weight gain that occurs after an increased intake of sugars, it seems reasonable to conclude that advice relating to sugars intake is a relevant component of a strategy to reduce the high risk of overweight and obesity in most countries".
There was less clear evidence with children, mainly due to poor compliance with dietary advice.
An editorial by two Boston professors in the British Medical Journal, which published the study, called for greater education, improvement in food and drinks provided at schools and worksites, and increasing tax on sugar-laden drinks.
source: http://www.news.com.au


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…with special needs. We welcome, care and cater for those with special or specific needs when visiting our beautiful country. Specialised vehicles and accommodation to suit every requirement with experienced guides to accompany you every step of the way. Accessible NZ- specialised tours "For All".
tours » accessible tours
…coupled with our team of stylists to create an amazing occasion for you and friends, corporate groups and event companies on behalf of their clients. We thrive on creating and crafting amazing experiences. Give us a blank canvas and we will work with you to create your ideas into a tangible…
event planning » event venues and meeting facilities
Haka Tours run world class, fully guided, small group Mountain Bike Tours from 7 to 16 days. We showcase a range of riding from flowing single-track MTB parks and epic all-day adventures, to jaw-dropping downhill's and night rides, we have something for all you avid mountain bikers. Tour includes…
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We have designed and hand made a range of stunning reclaimed furniture, unique only to us. We have everything you need to create a fantastic event, from rimu trestle tables, bar leaners, stools, food and bar counters and stylish pallet couches. In addition we custom build and design for event…
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Adventure South NZ run fully supported, fully guided, small group Cycling and Hiking Tours. From the stunning Alps to Ocean Cycle trail, to Road Cycling in the North Island and Hiking in the Marlborough Sounds, we have something for all active adventurers. Our tours include expert guides, support…
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You will get to know the country rather than just see it and experiencing New Zealand on your personal and private customized tour with only two or four guests (exclusively yours) with guaranteed personal attention to detail. Professionally guided for the discerning traveler providing true balance…
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…in selling New Zealand for over 20 years. We offer comprehensive range of New Zealand products including car rental, accommodation & sightseeing all tailor made to your budget. So no matter whether you are looking at backpacking around NZ or need helicopter transfers to your lodge we can arrange it.
tours » scenic tours
…offering an unbiased, helpful and prompt professional service. We focus on what's best for you with our customer service is second to none. We offer the lowest prices available and our service to you, is FREE. Campervan hire in New Zealand. Rental of all major motorhome brands thru our website.
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Kinesio Tex Tape Water Repellent Kinesiology Tape - 3" x 16.4" Beige
Kinesio Tex Tape, Water Repellent, 3" x 16.4' Beige
Worn by athletes at the 2008 Beijing Olympics!
Relied upon by athletes at every level, Kinesio Tape has become a staple in the world of Rehabilitation and Sports Medicine.
Kinesio Taping supports muscles and improves circulation without impeding your range of motion. That's why professional athletes rely on Kinesio to perform their best at all events. Kinesio Taping is also commonly used in the acute stage of rehabilitation to help prevent overuse or over-contraction and to assist in facilitating lymph flow for an entire 24 hour period. Correctional techniques include mechanical, lymphatic, ligament/tendon, fascia, space and functional. Kinesio Tex Tape can be used in conjunction with other therapies, including cryotherapy, hydrotherapy, massage therapy, and electrical stimulation.
The elastic, latex-free tape takes very little time to apply, is long-lasting (stays on 3-5 days) yet easy to remove, and is suitable for patients of every age or condition. With over 25 years of research, development and clinical use, Kinesio Tex has become the standard in elastic therapeutic taping. Offering a gentle and effective approach to the re-education of the neuromuscular system, improvement of circulation of blood/lymph, and relief of pain, providing comfort and stability to your patient care needs.
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Patrick Henry 78, Granite Hills 56
Coaches have many ways of motivating their teams. Patrick Henry's Robert Fields came up with a pretty graphic display at halftime of Wednesday's San Diego Section Division I game against visiting Granite Hills.
Even though his Patriots were leading 34-31 at the break, he wasn't pleased. So he put a big box in the middle of the floor.
"I asked my players if they wanted to throw their jerseys in the box and call it a season, or did they want to go back out on the floor and play the way they know how," Fields said.
The fourth-seeded Patriots (16-13) scored the first 11 points of the third quarter and continued on for a 78-56 victory over the Eagles (13-14).
"We're a second-half team," said senior Jacob Sherman, who scored a game-high 30 points for Patrick Henry. "We come into every game thinking we're gonna dominate, but for some reason that usually doesn't come until the second half."
Sherman attacked the Eagles from the baseline, hitting 14 of 17 shots from the field. He put up one 3-pointer as well.
The taller Patriots dominated the boards 33-19. In the second half, Granite Hills was limited to one shot on most of its possessions.
"We wanted to show that we belong where we are — that we're better than our record," said Patriots senior Oren Gibboney.


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Quality CareFind out why Mayo Clinic is the right place for your health care. Make an appointment.
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Mayo Clinic offers appointments in Arizona, Florida and Minnesota and at Mayo Clinic Health System locations.
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In addition to teaching, faculty participate in research and scholarly writing in medical education. Ongoing projects include developing Web-based learning, curriculum, faculty and resident evaluation tools, and exploring novel methods to teach professionalism, practice efficiency and medical dictation skills. General Internal Medicine faculty have written, edited and collaborated in many published scientific journal articles, medical textbooks and online medical curricula.
Mayo is committed to the education and training of physicians. The Division of General Internal Medicine (GIM) has helped train resident physicians and fellows in Mayo Clinic School of Graduate Medical Education programs for many years. GIM fellows and internal medicine resident physicians provide ongoing care for local and regional patients seeking primary or ongoing continuity care, under the supervision of GIM faculty physicians. The Resident Continuity Clinic is part of the Regional Medicine Practice.
The section of Medical Education is a community of clinician educators who have dedicated significant time to teaching the art and skill of clinical medicine to physicians in training. Members of this section are recognized regionally and nationally as leaders in medical education. They are active in many scholarly activities, including authoring and editing medical textbooks, conducting research in medical education, and mentoring others on the skills of teaching.
Mayo Clinic General Internal Medicine in Minnesota is committed to providing high-quality ACCME accredited live courses to support the continuing medical education requirements of all U.S. physicians and providers. Our expert faculty presents evidence-based, up-to-date information and practical clinical approaches in a wide variety of topics related to Internal Medicine. See our website for Internal Medicine CME courses.
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"Observations of Bose-Einstein condensation in a dilute atomic
vapor," M.H. Anderson, J.R. Ensher, M.R. Matthews,
C.E. Wieman, and E.A. Cornell, Sci. 269, 198-201 (1995)
"Lifetime of molecule-atom mixtures
near a Feshbach resonance in 40K," C.A. Regal,
M. Greiner, and D.S. Jin (2003).
(PDF 140 kB ).
"The Atom Laser," E.W. Hagley,
L. Deng, W.D. Phillips, K. Burnett, and C.W. Clark,
Opt. Photon. News, May 2001.
(PDF 967 kB )
"Generating Solitons by Phase
Engineering of a Bose-Einstein Condensate," J. Denschlag,
J.E. Simsarian, D.L. Feder, C.W. Clark, L.A. Collins,
J. Cubizolles, L. Deng, E.W. Hagley, K. Helmerson,
W.P. Reinhardt, S.L. Rolston, B.I. Schneider, and
W.D. Phillips, Sci. 287, 97-101 (2000)
(PDF 1007 kB ).
"Onset of Fermi Degeneracy in a Trapped
Atomic Gas," B. DeMarco and D.S. Jin, Sci. 285,
1703-1706 (1999).
(PDF 181 kB ).
"Phase-Coherent Amplification of Matter
Waves," M. Kozuma, Y. Suzuki, Y. Torii, T. Sugiura,
T. Kuga, E.W. Hagley, and L. Deng, Sci. 286, 2309-2312
"A Well-Collimated Quasi-Continuous Atom
Laser," E.W. Hagley, L. Deng, M. Kozuma, J. Wen,
K. Helmerson, S.L. Rolston, and W.D. Phillips, Sci. 283,
1706-1709 (1999) (PDF 285 kB ).
"The Theory of Bose-Einstein
Condensation of Dilute Gases," K. Burnett, M. Edwards, and
C.W. Clark, Phys. Today 52, 37-42 (December 1999).
(PDF 502 kB ).
Condensation, Special Issue J. Res. Natl Inst. Stand. Tech.
101(4), ed. by K. Burnett, M. Edwards, and C.W. Clark
(July-August 1996).
* The 2001 Nobel Prize in Physics was awarded jointly to Eric A. Cornell of
Wolfgang Ketterle of MIT; and Carl E. Wieman of CU / JILA.
(JILA is a cooperative enterprise between NIST's Physics Laboratory and the University of
Colorado, CU.)
Bose-Einstein condensation (BEC) emerged in the mid-1990s as one of the
cutting-edge themes of contemporary physics. This is due to the development of
powerful techniques for experiments with ultracold quantum gases, many of which
were pioneered at NIST.
In addition to their fundamental scientific appeal, these systems offer great
promise for the precision measurement applications that are at the core of
NIST's mission. Several groups in the NIST Physics Laboratory are currently
working on different aspects of BEC and the physics of quantum gases. This page
provides an informal look at their work.
Laser Cooling and Trapping Group
Electron and Optical Physics Division
Processes Group
NIST home page
NIST is an agency of the
U.S. Department of Commerce.
Online: May 2001 -
Last update: August 2007
Website comments: Feedback


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Designer dress
Made in EU
This stunning English-style wedding gown is a timeless wedding classic that puts your grace and beauty on a pedestal.
The drop waist corset accentuates your figure in all the right places, and the lace sleeves add an elegant touch. The flared skirt is delicate and light, and the lace overlay is absolutely romantic.
Be a lady of class and poise in this exquisite gown.
*The price doesn't include accessories.


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"Our Town" By James W. Tucker
Hampton Union
Thursday, July 19, 1951
The first Carnival began officially on Labor Day, September 6 and continued through the following Sunday, September 12. Practically everyone in our town and that includes beach and village sections, participated.
The 1915 crop of Hampton babies was either in the baby show or in the baby carriage parade. Boys and girls of all ages participated in the many special events of "Children's Day" and in many attractive programs of various types of sports. Adults participated in at least three long and colorful parades.
The first Carnival was a real community enterprise, as were all the Carnivals which followed for a period of ten years. Then local interest began to dwindle and now is almost entirely lost.
It is a shame that civic interest in this unique event has waned to a point where it now barely exists. If civic interest had not evaporated, the Hampton Beach Carnival might have been built up to a point where it would have compared with the Carnival at New Orleans or with St. Petersburg Festival of the States.
There are a dozen reasons why our annual late summer event is no longer a truly community affair. But it will do no constructive good to rehearse even one of these reasons.
It may that to recount some of the events of that first carnival, staged 36 years ago, will awaken a desire for a wider and more genuine community interest in the 1951 Carnival and all the Carnivals which will follow in future years. Such an awakening might prove as helpful to our town as the Festival of Britain is proving to England.
Carnival Good Publicity
In the first place, the 1915 Carnival was given a beautiful setting. Every place of business and most of the summer homes were profusely decorated with flags, bunting, "Welcome" signs and colored lights. Streamers of vari-colored electric lights were stretched at short intervals across the boulevard from Boar's Head to Haverhill street.
The Boston Globe said, "Hampton Beach is a veritable fairyland of light and color, augmented each night by clouds of kaleidoscopic confetti thrown by carefree and happy crowds of revelers who had plenty of fun without resorting to even a sign of rowdyism."
Higgins' Band gave four concerts daily and the stellar attraction of the week was aviator J. Chauncey Redding and his Burgess-Wright bi-plane ascending each afternoon to the stupendous height of 2,000 feet.
The Manchester Union said: "Wonderful demonstrations were given by Aviator Redding of actual warfare as carried on in the great war of today, showing the people how large armies are put to flight by these fighting birds of the air." What Chauncey actually did was to drop paper bags filled with flour onto a forty foot square fort, the ramparts of which had been dug in the soft sand just east of the Ocean House. And, of course there were wonderful displays of fireworks every night.
Full Week Program
Tuesday was "Children's Day," in charge of Miss Cora Miner and Edmund Langley. There was a baby show, in which "Don" Ring won first prize in the "Toddler" class; a baby carriage parade and sports for the youngsters. And the boys and girls were made happy in the afternoon by a display of Japanese daylight fireworks.
Wednesday was "Fraternal Day" and many fraternal organizations took part in a big afternoon parade and a program of track and field events, including a Marathon race which was started in Portsmouth. Thursday was "Governor's Day" and Governor Roland R. Spaulding of New Hampshire was present with the members of his military staff.
The program included a really magnificent parade of decorated automobiles and auto and motorcycle races on the hard sands of the beach. During the evening of Thursday, there was a colorful Mardi-Gras parade and the pageant of the crowning of the Carnival Queen and King. Miss Blanche Thompson, 17-year-old Haverhill girl, whose parents owned the Seacoy Cottage on Ocean Boulevard, was the first Carnival Queen.
Friday was "Agriculture and Grange Day" in charge of John Janvrin. There was a wonderful, two-mile parade of decorated floats and the long program of sports for Rockingham County agriculturists. Included was a milking contest, horseshoe pitching, wood-sawing and chopping competitions and a wheelbarrow race. Saturday was called "Flag Day" and the program included a ball game and a "Charlie Chaplin Parade."
On Sunday, Aviator Redding took the Carnival Queen for an airplane ride. The Haverhill Gazette said, "Miss Thompson startled the great crowd by plucking a cap from her brother's head, pulling it down over her hair and calmly taking a seat on the leading edge of the lower wing of the plane in which she soared high above the heads of all." And with the Sunday night concert by Higgins' Band, the First Annual Hampton Beach Carnival was brought to a very successful conclusion.
Hundreds of permanent and summer residents of our Town took part, either as members of the many committees which directed the affair or as participants in the long and varied program of events. And everyone was proud and happy to cooperate in a civic undertaking which lent prestige to old Hampton and added to its fame as a clean, wholesome recreational center.


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The Downey Theatre Performing Arts audience witnessed history in the making as the 2nd Annual Miss Latina Global and Miss Teen Latina Global Cultural Pageants were presented together onstage.
A very excited crowd kicked off the evening by enjoying a joyous evening of Latino culture presented by a dedicated and hard-working group of beautiful and talented young Latina women. As the red velvet curtains slowly hoisted, the massive colored moving laser lights flood the stage...behold..in front of their eyes are all the Delegates on stage in their lavish national costumes and amazing smiles!!!
What an exciting opening number. This successful and historic event would not have been possible without months of preparation by each Delegate. Seemingly impossible dreams came true for the Delegates, as they were heartily welcomed on stage by an appreciative standing room only audience.
After three categories of intense competition in both pageants, the distinguished panel of judges selected the graceful and stunning, Grecia Garcia from Jalisco, Mexico as Miss Latina Global 2013 and, representing Sinaloa, 17-year old Karla Mercado became Miss Teen Latina Global 2013.
Thank you to the Delegates, their friends and families, our generous sponsors, the judges, the media, our staff, volunteers and committee members and our host multi-talented artist-producer, multiple award winner, the producer of Mariachi USA the beautiful Rodri Rodriguez. For additional information about Miss Latina Global, Miss Teen Latina Global, as well as other pageants visit Virgelia Productions.
Miss Latina Global and Royal Courts
Grecia Garcia - Miss Latina Global 2013
Royal Courts
Rebecca Hamilton
Lexy Lopez
Jocelin Aguirre
Melissa Jara
Miss Teen Latina Global and Royal Courts
Karla Mercado - Miss Teen Latina Global 2013
Royal Courts
Gretchen Takahashi
Viviana Vidaurre
Nancy Rodriguez


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HOME »» Upcoming Movies »» Incredibles 2
Incredibles 2
|MPAA Rating:
What's this?
|PG Reason for Rating...
|Craig T. Nelson, Holly Hunter, Sarah Vowell, Samuel L. Jackson, Brad Bird, Huck Milner
|Brad Bird
|Movie Studio:
|Walt Disney Pictures
|Other Genres:
|Adventure, Animation
|Run Time:
|118 Minutes
|Release Date:
|Everyone's favorite family of superheroes is back in Incredibles 2 but this time Helen (voice of Holly Hunter) is in the spotlight, leaving Bob (voice of Craig T. Nelson) at home with Violet (voice of Sarah Vowell) and Dash (voice of Huck Milner) to navigate the day-to-day heroics of normal life. It's a tough transistion for everyone, made tougher by the fact that the family is still unaware of baby Jack-Jack's emerging superpowers. When a new villain hatches a brilliant and dangerous plot,...MORE
|Movie Link:
|Incredibles 2
Wait a little...Save a lot.


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Thursday, April 17, 2014
Get Your Bunny On For Easter! Bunny Cake + Bunny Cake Toppers
I got pretty bunny-ish this April with some cute bunny buddies. Learn to make this crazy cute bunny cake over on my post for Craftsy!Check it out here: How To Make An Easter Bunny Cake!
And talk about party animals. These simple and adorable bunny bow tie cake toppers are a cool breeze on a hot day to make - the whole bow tie bunny cake topper DIY is on Handmade Charlotte! Hop on over for the full tutorial! Sweet for Easter or for a bunny themed first birthday party.
Happy Easter, cake pals!
xo Lyndsay
Posted by Coco Cake Land at 6:00 AM
Labels: bunny cake, cake toppers, handmade charlotte
3 comments:
- ensembledeux said...
Awe this is so adorable! :)
- April 23, 2014 at 8:15 PM
- androidism said...
Aw so cute
- May 24, 2014 at 12:56 AM
- Unknown said...
Haha that's cute. I like em. ��
- June 27, 2014 at 10:47 AM
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Quote:I think there is this stigma that boxing is better due to the appearance that the sport of MMA uses boxing as there main stand up attack. Im not sure they heavy hitters of MMA qualify as boxers or qualify as having boxing skills.
Artifacts from the Ryukyu Kingdom missing since WWII.
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Asylum Images
Book presents photo tour of the Trans-Allegany Lunatic Asylum. A must if you're going to take a ghost tour!


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Pictures Of Celebrities In Bikinis And A Chance to Win An iPhone 4
Which Celebrity Has the Hottest Bikini Body of 2010? Vote in Our Bikini Bracket and Win an iPhone 4!
It's summertime, and we love seeing all our favorite stars hit the beach or lounge by the pool in their swimsuits. Last year Bar Refaeli reigned supreme in our first annual bikini bracket, and now we're doing it again! For the month of July, we'll be narrowing it down to number one based on how you vote on all the amazing celebrity bikini bodies. All you have to do is place your first round picks, and we'll be posting updates on the action. At the end of the month, we'll have our champion. Here's the best part — one lucky voter will also win one of the hottest gadgets of the season, a new iPhone 4! You will be entered for each round you complete, so the more rounds you play, the more chances you have to win. Remember, you must be logged in to be entered. See the official rules and click here to get started — happy voting!


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Picture of Red Mushroom This image was taken near Teignmouth, Devon, UK.
All images are individually printed, with care, on the highest quality paper available to achieve maximum colour depth, tonal purity and stability and are available as Prints, Mounted Prints and Framed Prints.
All prints are signed and numbered by Karel Kuran.
You can see the price of each option when you select your choice. The frame comes in black. If you would like a different colour, please let me know and I will get back to you with other colour options and prices.
The prints will take 5 working days to produce, if you need your print faster, then please let me know and I will endeavour to meet your request.


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Redbox, the in-store movie and game rental kiosk, is adding foursquare support starting next week, the company tells Kotaku.
The addition of more than 27,800 redbox locations makes this one of the largest foursquare retail integrations in the location-based community service's history.
"With more than 27,800 locations nationwide, mobile allows redbox to hyper-localize our engagement efforts," said Amy Gibby, vice president of marketing, redbox. "Foursquare significantly expands our mobile touch points and unlocks new ways for consumers to engage with redbox at local kiosks."
To celebrate, redbox is hosting ten days of deals. Customers who check in at a redbox location from Aug. 15 through Aug. 24 will unlock unique daily discount codes ranging from $0.10 to $1.00. The discount codes can then be used during redbox kiosk transactions that day.
You can contact Brian Crecente, the author of this post, at firstname.lastname@example.com. You can also find him on Twitter, Facebook, and lurking around our #tips page.


text:
By Stan Choe
AP Business Writer
NEW YORK (AP) — Hearts raced faster as stock markets around the world stumbled in January, but that didn't stop investors from plugging more money into mutual funds.
For a seventh straight month, investors put more cash into mutual funds than they withdrew, according to Lipper. Funds that invest in a mix of U.S. stocks attracted $10.6 billion, for example. That was despite the worst start for the Standard & Poor's 500 index since 2010.
To be sure, January is historically the month when savers are most inclined to put money into mutual funds. It's their first opportunity to invest in individual retirement accounts in the new tax year. But a look at which individual funds were attracting—and bleeding—the most dollars last month illustrates several trends that took hold last year. Among them:
— Index and target-date funds continue to shine.
The most popular fund last month was Vanguard's Total Stock Market Index fund, which took in $3.1 billion in net investment, according to Morningstar. It's not a big surprise. It was the third-most popular fund of 2013, attracting $17.5 billion. It is also the largest mutual fund, with $302 billion in assets at the end of January.
It's participating in a broader tide of dollars flowing to index mutual funds. Such funds try to mimic a broad market index rather than beat it. Vanguard's Total Stock Market Index fund tracks an index that covers nearly every stock that trades on the New York Stock Exchange and Nasdaq, from small companies like cupcake bakery Crumbs Bake Shop to giants like Apple.
Because index funds don't research individual investments, they charge lower fees. Vanguard's Total Stock Market Index fund has an expense ratio of 0.17 percent, which means that $17 of every $10,000 invested in the fund is used to pay manager salaries and other operating costs each year. The average expense ratio for the category is 1.11 percent.
The Total Stock Market Index fund also is benefiting from increased interest in target-date retirement funds. These are funds built for people who don't want to worry about how to divvy up their retirement savings among stocks, bonds and cash. When investors are far away from retirement, target-date funds automatically keep most of their accounts in stocks. As their retirement date comes closer, the funds automatically shift more assets toward bonds.
The Total Stock Market Index fund is a major part of Vanguard's target-date fund lineup. For example, Vanguard's target-date fund for people retiring in 2045 has 63 percent of its $12.5 billion in assets in the Total Stock Market Index fund.
— Foreign stock funds are still hot.
Demand has been strong for foreign stock funds: They attracted a total of $17.4 billion in net investment in January, more than any other category. It was the same story last year, when investors deposited a net $146.2 billion, triple what they invested in U.S. stock funds. Investors are looking to diversify their stock investments and get them more in line with the overall world's makeup.
The Oakmark International fund attracted $1.5 billion in net investment last month, for example. That's even though it is mostly closed to new investors.
European stocks have also been a particularly strong lure for investors, as the region moves further away from its debt crisis. Europe ranked as the most attractive stock market among the more than 2,000 professional investors at the Goldman Sachs Global Macro conference in Asia earlier this month. It was the "default option of choice," Goldman Sachs strategists wrote in a report.
— Unconstrained bond funds are gaining in popularity.
Rising interest rates would knock down bond prices, and that's making investors worry. The yield on the 10-year Treasury note is close to 2.76 percent, up from 2.01 percent a year ago.
Unconstrained bond funds pitch themselves as ways to protect from the risk of rising rates. That's because they can invest in exotic corners of the bond market, and some even make investments that profit when bond prices fall. The risk, though, is that many of these unconstrained funds own bonds that carry a higher risk of default, analysts say.
Last month, Goldman Sachs Strategic Income fund was the second-most popular fund, attracting $2.4 billion. Morningstar classifies it as a "nontraditional bond fund," and the category as a whole drew $4.1 billion in net investment. That compares with the $6.1 billion withdrawn from intermediate-term bond funds last month. Intermediate-term bond funds are the largest category of bond funds and would be hurt by rising interest rates.


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In an effort to eat more seasonally, we've been eating a lot of heavier soups and stews and things. All of the delicious winter squashes and sweet potatoes are fantastic and so good for us, but sometimes I just really crave a great salad.
When I saw this salad on Deliciously Ella, I thought it might fit the bill. The very fact that I can consider making something full of mushrooms like this goes to show how amazing and adventurous Josh is. After a lifetime of hating mushrooms, he's slowly started trying them more and more over the last few months. Now he'll happily eat a soup full of mushrooms or a portabella mushroom sandwich. SO awesome.
This salad is one of those dishes that winds up being far more delicious than you could possibly believe it could be. I took my first bite and I'm sure my eyes got huge. It was just so good, full of textures and flavor. I inhaled my portion and licked the plate. No lie.
We liked it so much that it's also going on our meal plan for this week as well. When a dish makes the cut two weeks in a row, you know it's good. The fact that it's also great for us is an added bonus. Remember, especially when you're using such simple ingredients in such a simple way, quality will make all the difference in the world.
Warm Sweet Potato, Mushroom, and Spinach Salad (recipe copied from here)
- 1 large sweet potato
- a dozen mushrooms (we used shiitake)
- 2 bowls of spinach (we actually used tatsoi, an asian green, from a local farm, but spinach would be great)
- 2 jalapeno peppers, deseeded and diced
- a dozen cherry tomatoes
- 4 Tbsp apple cider vinegar (we love Bragg's raw unfiltered)
- 1 tsp cinnamon
- 1 tsp smoked paprika
- salt
- olive oil
Cut the sweet potatoes into small cubes and place them on a baking tray. Toss with olive oil, salt, paprika and cinnamon. Bake for 15-20 minutes at 375, until soft.
While these cook slice the mushrooms into pieces and gently stir fry them with olive oil, salt, apple cider vinegar and the chopped jalapeño pepper. This should take about 7 minutes. Add your spinach and toss around for 2-3 minutes until wilted.
Quarter the cherry tomatoes
I simply assembled ours in layers, and dug in.


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The ink's barely dry on the historic settlement of "robo-signing" and other abusive foreclosure practices by five big banks. But, already, some states are raiding the settlement funds to finance activities having nothing to do with preventing foreclosures or preserving homeownership. Their actions are a second slap in the face to millions of Americans who were wronged by lender misconduct and inadequate consumer protections. They are unjust, shortsighted, and, quite possibly, illegal.
The $25 billion settlement between 49 state attorneys general, the Obama administration, and the nation's five largest mortgage companies announced its intention "to remediate harms allegedly resulting from the alleged unlawful conduct of the [banks]." The National Association of Attorneys General explained that "the settlement addresses past mortgage loan servicing and foreclosure abuses and fraud, provides substantial financial relief to borrowers harmed by bank fraud, and establishes significant new homeowner protections for the future."
The settlement has produced some important and positive changes. It is aiding many struggling homeowners by reducing their mortgage principal to fair and affordable levels and allowing them to refinance at today's lower rates. It requires covered banks to provide a single point of contact for homeowners, mandates adequate staffing levels and training, and ends "dual-track foreclosures," in which servicers foreclose on homes while still negotiating loan modifications with their owners.
But alongside those positive steps, a growing number of states are diverting funds from the settlement to fill general budget gaps and for other unrelated purposes. Georgia and Wisconsin acted swiftly to raid their settlement funds, over the protests of lawmakers and advocates who supported the deal. California, Missouri, Nebraska, and others are following suit. According to the non-profit investigative journalism organization ProPublica, states have already diverted $974 million from the settlement to reduce budget deficits or fund unrelated activities.
Diverting settlement funds away from home opportunity is a new violation of the American people's trust. The data company RealtyTrac predicts as many as 1 million new foreclosures this year—nearly 200,000 more than in 2011. Every penny of settlement resources should be invested in heading off that catastrophic outcome while mitigating the effects of foreclosures that have already occurred.
Raiding settlement funds is also shortsighted, because supporting home opportunity is an investment in our economy, including state budgets. Proven strategies like principal reduction, housing counseling, and own-to-rent programs aid struggling homeowners, to be sure. But they also improve neighborhood home values, increase state and local tax revenues, reduce the need to maintain abandoned properties, and relieve the burden on social service agencies.
A coalition of housing and consumer protection groups that includes The Opportunity Agenda and the National Council of La Raza has released a Compact for Home Opportunity detailing over two dozen initiatives that can prevent foreclosures, ensure fair housing and lending, and rebuild the American Dream. Virtually any item in the Compact would be a valid use of settlement funds. But dumping those funds into states' general coffers is irresponsible and outrageous.
It may also be illegal. The diversion of funds violates the stated purpose of the agreement, as well as its spirit. The wronged American homeowners who are, in legal parlance, the third-party beneficiaries of the agreement may have a right to demand proper usage of settlement funds.
In many states, moreover, diverting settlement funds has a racially discriminatory effect on minority homeowners and former homeowners. While most victims of bank misconduct are white, homeowners of color were disproportionately and intentionally targeted by brokers and lenders for flawed loans, and are overrepresented amongst those facing foreclosure. People of color represent less than 20% of the population in Wisconsin, for instance, but over 40% of the population in Milwaukee, where exploitation of homeowners was concentrated. The numbers in Georgia are similarly stark. Dumping settlement funds into the general treasury again disadvantages these homeowners struggling to regain their footing.
All of the states covered by the settlement have an obligation under the Fair Housing Act and the Civil Rights Act of 1964, respectively, to affirmatively further fair housing, and to avoid discriminatory patterns in their programs and activities. The diversion of funds may violate both of those provisions.
Everyone agrees that much more is needed to restore home opportunity around the country. But the settlement was an important step in the right direction. Diverting the resources that it produced violates the letter and spirit of the settlement, squanders an historic opportunity, and harms the very Americans whom the settlement was intended to help. It should not be allowed to stand.


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#4 Courtney Billington
|Mt. Juliet, Tenn./Wilson Central HS
2010:First Team All-Atlantic Sun selection … Captured A-Sun batting title with a .373 average … Played in all 63 games, starting 62 at shortstop … Hit .373 with five home runs, 33 RBI and 42 runs scored … Led the team in hits (75, ranked 1st in A-Sun) and doubles (18, ranked 2nd in A-Sun) … Hit safely in 48 of the team's 63 games … Posted a team-high 20 multi-hit games, including a streak of five multi-hit games in a row from (Apr. 3 - 9) … Ranked second on the team in stolen bases (10-of-11) … .557 slugging percentage and .403 on-base percentage ranked third on the team … Scored two runs or more in nine games … Recorded at least three hits or more in five games … Hit a team-best .438 while starting all 20 conference games … Registered seven extra-base hits in conference (2 hr, 2 3b, 3 2b) … Finished the year with a .945 fielding percentage, recording 106 assists and 84 putouts … Went a season-best 5-for-5 with 3 RBI in win over UAB in elimination game of NCAA Tournament (5/22) … Recorded back-to-back two-hit games on Feb. 26, (vs. Oakland and Austin Peay) … Drove in a season-high four runs with a double and home run vs. Austin Peay (Feb. 26) … Went 2-for-4 with 2 doubles a RBI, and a run scored vs. Evansville (Mar. 7) … Went 2-for-4 with 2 runs in first game against Tennessee Tech (Mar. 9) … Connected on two-RBI double against California in Hawaii Spring Fling (Mar. 19) … Went 4-for-4 with 2-RBI and a triple in game town of Jacksonville doubleheader (Apr. 2) … Finished 5-for-8 with 3-RBI four runs scored and a home run (Apr. 2) in doubleheader against JU (Apr. 2) … Raised batting average 40-points during a five-game stretch in conference play, going a combined 11-of-16 in games against North Florida (Apr. 3), Tennessee State (Apr. 7), and Mercer (Apr. 9) … Went a combined 4-for-6 with a stolenbase in doubleheader vs. Florida Gulf Coast (Apr. 17) … Went 3-for-4 with a double and run scored in game two of doubleheader vs. UAB (Apr. 20) … Scored a season-high four runs in second game against Belmont, going 3-for-4 at the plate (Apr. 28) … Collected a career-high five hits in five at-bats, to go along with three RBI in elimination game against UAB in the NCAA Tournament (May 22) … Atlantic Sun All-Academic Team.
2009:Atlantic Sun All-Freshman Team. …Ranked 13th in NCAA Division I in sacrifice hits per game (.35). …First overall in the A-Sun in sacrifice bunts (18). …Tied for eighth in the A-Sun overall in at bats (171). …First overall in A-Sun in runners advanced (30). …Sixth overall in A-Sun in percentage of runners advanced (.591). …Tied for eighth overall in A-Sun in two-out RBI (17). ….Tied for first in sacrifice bunts in A-Sun games only (8). …Second in A-Sun games only in total plate appearances (79). …Tied for fourth in at bats in A-Sun games only (68). ...Tied for second on team in total plate appearances (196). ...Second on team in at bats (171). ...Second on team in steal attempts (10). …Third on team in runs scored (33). ...Third on team in stolen bases (7). …Fourth on team in hits (50). …Tied for third on team in runs batted in (26). …Fourth on team in doubles (7). …Second on team in triples (2). …Fifth on team in total bases (70). …Tied for third on team with 12 multiple-hit games. …Season-high four hits at Western Carolina (3/24). …Six multiple RBI games. …Tied for team high for RBI in a game with five at Western Carolina (3/24) in game two of a doubleheader. …Recorded four RBI in first game of doubleheader at Western Carolina (3/24). …Longest hitting streak of the season was seven games (3/4-3/10). …Atlantic Sun All-Academic Team.
High School: Four-year starter at Wilson Central High School for coach Ashley Putman-Serbin. ...2007 and 2008 Team Captain. ...Three-time All-District Team. ...Twice named to District 9AAA All-Tournament Team. ...Three-time All-Midstate Team. ...TSWA All-State as a senior. ...Named to Tennessee All-Star Team to play vs. Kentucky All-Stars. ...Wendy's High School Heisman Nominee. ...U.S. Army Reserve National Scholar Athlete Award. ... Four-time Golden Glove winner for team. ...2005 Rookie of the Year. ...2007-08 Best Offensive Player Award and Wildcat Award. ...2008 Co-MVP Award for team. ...Voted Most Athletic by her senior class. ...Graduated third in her senior class of 325.
Personal: Played for the Nashville Cruisers coached by Mike Pruitt, 2007 ASA 16U National Champions in Sioux Falls, S.D. ...Parents are Cathy and Steve Billington. ...Plans to major in Biology.