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Place your reviews on products you have tried and tested in the field. This section is a great resource for those looking to buy new gear
Please place you bow reviews here. You can create a new thread for each review
Place your Arrow reviews here. please palce a new review for each shaft you write about
Please place your Broadhead reviews here
Please place all your general archery equipment and accessroies reviews here
Please place your pack reviews here
Please place your camping equipment reviews here
Please place your foot wear and boot reviews here
Please place your reviews here for any other equipment that you think people may want to learn about
For all you lovers of piscatorial delights, please place all your fishing adventures, including the fine art of hunting underwater with a spear in here
Share your talents and skills when it comes to do DIY projects and tips for the bowhunter in this section
For all you budding Four Wheel Drive enthusiasts, this is the spot to share in 4WD adventures and advice
Have your mechanical issues sorted here with advice from experienced members willing to help you out
Do you have any photography questions, or can you offer advice. For those who want to become photographers to capture their bush experiences in an even better way, post away here
Have a passion for the blade, share all your knife making tips and talk here
For all your cooking recipes, butchering tips and game care needs, please post in this section


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REAL ESTATE- ON THE BLOCK- Near New Redfields wants personality
Address: 1006 Morningside Lane
Neighborhood: Redfields
Asking: $315,000
Assessment: $263,700
Year Built: 1999
Size: 1,948 fin sq. ft., 315 unfin.
Land: 0.023 acres
Agent: Lori Harris, Real Estate III - North 434-817-9200
Curb Appeal: 7 out of 10
Situated on a quiet cul-de-sac in the Redfields neighborhood, a development that's relatively close to the action but feels very suburban, this house has plenty of storage if not color. A first floor master could either be seen as a deal breaker or a bonus, depending on the buyer. A couple of bonus spaces sweeten the deal.
On the main level, what you see is what you get. From the front door, buyers step into the main shared living space, a great room with a cathedral ceiling and a window into the kitchen. Off the kitchen and great room is the dining space, which leads out to a deck.
Buyers won't find an eat-in kitchen here. It's a small one, but it's organized to work smart. Cabinets rise 42 inches high— taller than standard cabinets. Pinky beige counters are asking for a new do. Overall, it's a kitchen with a small but efficient footprint. The window overlooking the great room is sizable, and cooks will like interacting with guests or watching over kids from the sink. Off the kitchen there's a half bath and washer/dryer hidden behind closet doors.
Shoppers will note that this one has the feel of a model. Although things are not new, the house has been impeccably maintained. Carpets show no wear, and hardwoods have that newly finished look. Plain white and light walls plus sparse décor contribute to that near-naked feel, which is actually an important touch. Buyers don't want to get much of the seller's personality. They want to imagine how they would live and what they would do in a space, and this one's a near blank slate.
The one place where the sellers do show their personality is the front door. It's been painted with a glazed design for privacy. To start, buyers will want to inject some color and probably update some surfaces and fixtures to reflect their personal style and a new era.
Here, the master suite is on the main level with two separate bedrooms on the second level. Some buyers with health issues or looking for a place to age may find that a bonus or even a necessity. It's certainly roomy enough for a king with a walk-in closet and bath with double sinks. There's an extra room of the bedroom that could do for a baby room, office, exercise room or loungey space. It does have a door that leads outside and is actually roomy enough to fit a queen-sized bed.
Two bedrooms on the second floor share a hall bath. There's a bonus room above the single car garage. With no closet, it can't be considered a bedroom. The vaulted ceiling gives the space presence and makes a good craft room or second-story family room. If the first floor master is a deal breaker, this bonus room could probably be staged as a master, but buyers would have to figure out clothing storage and share a bath. (Maybe downstairs isn't looking so bad after all.)
Hidden storage is a critical part of the house's design. Two closets on the second floor have interior doors leading to under-the-eaves spaces. That solves the problem of where to keep suitcases and Christmas decorations in a home sans basement. An exterior door leads to the unfinished area below the house. Although rough, it has been dry enough for the sellers to store extra furniture below. Another closet sits under the stairs on the first floor.
This home has a contemporary and casual design for a modern family. As is, it's move-in ready but is crying out for some pizzazz.
Each week, a brave local seller invites the Hook to provide an impartial, warts-and-all look at their real estate listing. E-mail yours today!

subset: commoncrawl


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Chicago (May 2, 2012) - The American Academy of Pediatric Dentistry (AAPD), the recognized leader in children's oral health, announced today the launch of its new consumer-based website, http://www.mychildrensteeth.org. A comprehensive resource for parents and caregivers, MyChildrensTeeth.org gathers together all of the AAPD's articles and information that are useful to the general public in one convenient place.
Some of parents' most frequently asked questions of pediatric dentists are answered on the site, such as:
"This new site will inform parents and caregivers and empower them to start making informed choices for their children as soon as possible, all driven by the best dental science and practices available."
The site provides access to the AAPD's full line of brochures, covering issues like fluoride, diet and snacking, dental care for infants, toddlers and teens, as well as the importance of regular dental visits. A section on recent pediatric dentistry items in the news, where AAPD members provide important tips and information and address current news stories dealing with children's dental health, is also available.
The same Find a Pediatric Dentist tool that has connected patients and pediatric dentists since the launch of the original AAPD website in 2002 is also available on MyChildrensTeeth.org.
"The Find a Pediatric Dentist tool is consistently one of the most used and most useful features the AAPD provides," Rutkauskas said. "Adding it to this site just makes sense: we can connect parents with the best information and then immediately to our member providers. If you know your ZIP code, you're just a click away from knowing a pediatric dentist in your area that can treat your child. It really is that easy."
The AAPD launched MyChildrensTeeth.org in conjunction with a website for Pediatric Dentistry Today magazine (http://www.pediatricdentistrytoday.org), and a full redesign of its main site at http://aapd-oldsite.ae-admin.com.
Back to News


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Groupon ONLINE Deal – Whetstone Two-Person Tent with Carry Bag
Vintage Patterns, Handmade, Rubber Stamps, Other Vintage, Etc.! ♥
Groupon ONLINE Deal – Whetstone Two-Person Tent with Carry Bag
Posted by SharPharMade on August 15, 2014 at 7:58 PM
Filed under Groupon, Nozey Noze Newz Gozzip, Other, Random Interest, WELCOME TO MY BLOG!  | Leave a comment | Trackback URI
Worldwide Shipping! Sale/Destash Vintage Patterns, Other Vintage, Handmade Greeting Cards, and Other Unique Handmade Items. Open to Custom Order Requests.
A Blog About Cool Vintage Stuff
Philadelphia Wedding & Family Photographer
The Etsy Christmas In July team closed December 2018.
WordPress.com is the best place for your personal blog or business site.


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Jamaal Franklin stalked half the court, bumped chests with Chase Tapley and then continued to preen.
Y'know, the way kids do.
Based on what had just transpired and the point in the game at which it did, Franklin's peacock pride and oversized exuberance were expected and acceptable.
He had just taken an inbound pass and thrown half the court to Tapley, who headed for the basket before abruptly altering his body and dishing the ball back to an incoming Franklin, who slammed down an on-the-fly dunk.
Seven-point lead with 43 seconds to play.
Game over … as it should have been several minutes prior.
The San Diego State men's basketball team can talk all it wants — and legitimately so — about the difficulty of the Mountain West Conference.
But the Aztecs' inability to simply put away a decent team because they spend too much time screwing up is troublesome.
OK, so our expectations are high with this team. That's how it is when a program has averaged 25 victories over the past seven years.
A win is a win. But when using recent results as a barometer, this SDSU team seems to not quite measure up to its own lofty designs on having many games left to play in this season.
Unless the Aztecs play longer stretches of games at a higher level than they have in the past month, they not only won't beat top-seeded New Mexico in tonight's Mountain West Tournament semifinal game, they'll fall far short of their expectations in the NCAA Tournament.
The answer of whether or not the real Aztecs would show up now that the tournaments have started seemed a clear "yes" on Wednesday night.
That does not exactly provide the desired confidence.
They did play frenetically effective defense, especially in the first half. They did lead comfortably for all but a few minutes and trailed just one time (19 seconds in all).
They beat Boise State, 73-67, on Wednesday because, despite the teams' identical 21-9 records going in, the Aztecs are the superior team in virtually every way — primarily in athleticism and experience.
But, as has been the case throughout the season, SDSU could never turn a big lead into a win going away against an above average opponent.
"We just got to make sure we keep matching our intensity and never give up," Franklin said on Thursday. "Like, when we're up in big games, we got to make sure we keep our foot on the gas."
Give 'em credit. Wednesday was the 91st consecutive time SDSU has won when leading with five minutes to play.
Wednesday, that lead was two points with 4:58 remaining.
A 14-0 run had given Boise State a 50-49 lead exactly 2½ minutes prior.
During that streak by the Broncos, over a 3:20 stretch, SDSU turned the ball over four times and missed all three of its field goal attempts (all of them threes) and was 0 of 2 from the line.
In all, the Aztecs turned the ball over 19 times on Wednesday.
Coach Steve Fisher chose to focus on the positives afterward. And there were plenty, as there often is with this gifted group.
Tapley had a season-high four steals to go with 17 points. Thames played a season-high 37 minutes in his seventh game truly back from his back ailment, and scored 18 points.
But, too, they (and we) are thinking run in the NCAA Tournament.
Time for some self-examination.
Guys, you're just not as good as the way you carry yourself portrays.
Oh, at times you are a marvel of moving limbs.
Too often, as it was for spells Wednesday, your game is almost as ugly as the brown on brown court at the Thomas & Mack Center. (It's chocolate. It's peanut butter. It's hideous.)
You spend a lot of time admiring shots that clank off the rim.
Not sure what you were posing for with that ball handling. Chicks don't dig the turnover.
And, Franklin, maybe don't wait 34 minutes to take over a game the way you, Tapley and Thames did on Wednesday — after falling behind 50-49, combining for six rebounds, four assists and a steal and scoring 18 of the team's final 23 points.
It's actually a joy to watch when they are what they can be, which makes their lapses all the more infuriating.
"It's very disappointing," Tapley said of those frequent lulls in the Aztecs' game. "We know what we're capable of, and we know what we can do. And when we don't show it and don't apply it, it's just frustrating. It's really frustrating. But like I said, we just never quit so that overcomes states of it."
We just want them to be as good as they think they are. We've been expecting it.
They need to not just prance like it.


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John Kimbler necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 48 diseños de 16 diseñadores freelance.
Paradigm Applications, LLC
Paradigm Applications, LLC is a global IT Services provider positioning itself as a leader in online registry applications for Commercial Administrative agencies. We have developed a suite of portal and backoffice applications in support of Secured Transaction Registries, Corporations, Trademarks, and Notaries administration. The application suite also includes financial and reporting modules. Some of our clients include U.S. Secretary of State Offices and commercial registries in Vietnam, Cambodia, the Solomon Islands, and other countries.
The target audience is largely government agencies. We'll be using the logo on business cards, our web site, marketing materials such as a welcome bag and a flash drive.
We would like a professional looking design. We currently use black, blue and silver, but are open to change. Ideally, the design would work well on a black background. As a software development company, our market it Information Technology, so perhaps something that conveys that image. The logo should be something with a global appeal. We market a lot internationally (although, I can't really think of a logo that wouldn't have such appeal unless it was offensive).
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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MeeMaw's Spicy Pickles 16 OZ (453G)
We thoroughly enjoyed the food and the service! Cooking over real wood makes all the difference in the world! And that triple Lindy is out of this world!
We have been to a number of Aggie events at The Backyard Grill and will come back for more! We love the food, and the beer selection is fantastic!
Delicious menu in a very relaxing setting with wonderful service, plus close to my home!
We had Backyard cater our school event and they knocked it out of the park! Not only was the food amazing, but they really made the kids feel special. Thanks for all you do for the school district Mark!
I am a single mom and I just want to tell you how appreciative I am that you offer Kids Eat Free as well as characters on Wednesdays. To be able to have an inexpensive meal with my daughter while Harmony the Clown entertains her is the high point of my week. Thanks again Backyard Grill.


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fv: Pow Print or Save Selection
Option to select output orientation
Option to print or save image.
Option to choose directory and output format to save image.
Pages maintained by Bryan Irby Send bug reports or feature requests via the FTOOLS help desk.
HEASARC Home | Observatories | Archive | Calibration | Software | Tools | Students/Teachers/Public
Last modified: Thursday, 20-May-2004 16:07:29 EDT


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This is an 11X14 premium quality photograph of Deborah Kerr as Anna Leonowens and Yul Brynner as King Mongkut of Siam in The King and I professionally printed on archival photographic paper.
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Click the button below to add the THE KING AND I FINE QUALITY 11X14 PREMIUM PRINT 604130 to your wish list.


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When ordering please advise the name and colour you would like in our Delivery instructions, comments or gift message section of the checkout process (directly after the delivery address section, view here). Type it exactly as you would like the name to look ie COOPER*, Cooper or cooper.
This is a custom made item please allow 3 days for dispatch.
*Clearance Sale items are strictly limited, no holds, layby's or rainchecks, once stock is sold out we are unable to get anymore in at the sale pricing - so get in quick! Please purchase with care as Clearance Items are not able to be returned due to change of mind, no refunds or exchanges on Clearance Items only.


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Since you're already on a first-name basis with him, I'd address the letter as follows:
Mr. Rick Shaw
Creative Director
McMahon and Tate Agency
13 Sunset Blvd.
Los Angeles, CA 90121
Dear Rick:
That is, use his formal name and title in the inside address, but use his first name in the salutation.
Make sure to mention your past correspondence: "I enjoyed our past email conversations, and per your suggestion, am enclosing some samples of my work."


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Edna St. Vincent Millay
Edna St. Vincent Millay (22 February 1892 – 19 October 1950 / Rockland / Maine / United States)
» Click to list general statistics » OR, select a date :
Sonnets 04: Only Until This Cigarette Is Ended
Only until this cigarette is ended,
A little moment at the end of all,
While on the floor the quiet ashes fall,
And in the firelight to a lance extended,
read more >>
- Hits: Number of visitors who read the poem on the given date.
- Posts: Number of visitors who posted the poem to a friend (via e-mail) on the given date.
- Dates that have "0" hits may not be shown on the list.
- Dates, poems and poets that have "0" hits may not be shown on the list. Statistics are generated daily.


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Intel Atom Z625 specs start with Intel Atom Z625 Price and end by listing its technologies. If you want to get an overview of Intel Atom Z625 processor you are at the right place! Intel Atom Z625 processor was introduced on 04 May, 10 at basic price of NA. Intel Atom Z625 processor is a line up of Bonnell microarchitecture and operates at a clock rate of 1.50 GHz. Even if Intel Atom Z625 specs are categorized and presented to you in a sophisticated format. How will you decide which processor to buy? We do not have 32 bit geekbench score for Intel Atom Z625 benchmark.We do not have 64 bit geekbench score for Intel Atom Z625 benchmark.The number of cores has been added to the processor for better and faster computing. Intel Atom Z625 processor has 1 cores which is also a dependent factor for multi tasking.
Intel Atom Z625 additional technologies are constantly revised and reworked. 'Change is the only constant' as they say is very true in the case of processor technologies. New and sophisticated technologies are constantly upgraded in processor world. Intel Atom Z625 additional technologies sections specify which technologies are available and compatible for use. Some of the popular Intel Atom Z625 Technologies are hyper threading, virtualization support, protection technology etc. Intel Atom Z625 supports hyper threading.Also, it does not have virtualization support. andIntel Atom Z625 has NX bit. So do you think Intel Atom Z625 processor is worth a shot?
© 2015-2020. A softUsvista venture!


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2007 Ford Explorer Vehicle Speed Control Recall | Aug 03, 2007
On Certain Pickup Trucks, Passenger Vehicles, Sport Utility Vehicles, And Motor Homes Chassis, The Speed Control Deactivation Switch May, Under Certain Conditions, Leak Internally And Then Overheat, Smoke, Or Burn.
This Could Result In An Underhood Fire.
Summary Of Corrective Actions Taken: Dealers Will Install A Fused Wiring Harness. Owners Of The Passenger Cars Included In This Campaign Will Be Instructed To Return Their Vehicles To Their Dealers To Have The Speed Control Deactivation Switch Disconnected As An Interim Repair. As Soon As Repair Parts Are Available (expected October 2007), Owners Will Be Instructed To Return To The Dealers For Installation Of A Fused Wiring Harness. The Recall Began On August 13, 2007, And Mailing Completed By September 19, 2007. Owners May Contact Ford At 1-888-222-2751.
Ford Recall No. 05s28.customers May Also Contact The National Highway Traffic Safety Administration;s Vehicle Safety Hotline At 1-888-327-4236 (tty 1-800-424-9153), Or Go To Http://www.safercar.gov.
This recall was issued on Aug 03, 2007 for 2007 Ford Explorer, manufactured by FORD MOTOR COMPANY, in response to Vehicle Speed Control problems.


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Comedy Central
There's no more awkward day to be Jon Stewart or Stephen Colbert than times like Tuesday night. The presidential debate had just finished, the viewing audience was eager to get their takes on it … and because both taped before it began, everyone had to wait a day for the snark.
Colbert's prediction was obvious: "(Romney's) got the edge heading into tonight's presidential debate, in that unlike Obama, he was there for the first one."
We'll see Wednesday night if he gives himself credit for being right.
Both hosts had some fun with Paul Ryan's volunteering -- or perhaps "volunteering" -- at a soup kitchen. After the fact, reports came out that there were no customers there, that the dishes were already washed and that the Romney team "forced" Ryan's way into a facility that doesn't want to be used as a political tool.
"Do you know how hard it is to make volunteering at a homeless shelter look like a negative thing?" Stewart said.
And even though later reports proved that those dishes really were dirty -- and specifically set aside for Ryan's brief visit -- the hosts didn't give the VP candidate a break.
"Forget 'Atlas Shrugged.' This weekend, Atlas Scrubbed," Colbert noted. And he didn't seemed bothered by the question of whether Ryan's efforts were for the homeless or simply for the cameras. Even if he was only washing plates for a photo op, Colbert said, "That may sound pointless, but remember he's running for vice president, the Commander-in-Pointless."
Colbert also sympathized with the plaintiff on a Supreme Court case in which she alleges that she was not admitted to the University of Texas, and instead had to attend Louisiana State, because she is not a minority. (If it's any comfort to her, plenty of Texas students probably wish they'd picked LSU instead following the Longhorns blowout loss on Saturday to Oklahoma).
"Folks, there is no greater injustice than having to attend your safety school," he said. "I was devastated when I had to attend Dartmouth instead of my first choice: Hogwarts. They never responded to my application owl -- probably because he was white."
And to compound the insult, "Harry Potter" author J.K. Rowling went on "The Daily Show" Monday night instead of appearing on Colbert. Burn!
Colbert did get Newark Mayor Cory Booker, fresh off his deal to get Manischewitz to relocate its corporate headquarters to his city ("You've got the worst wine on Earth coming. Mazel Tov!" Colbert said). The host asked the Democratic Booker to defend President Obama's performance in the first debate.
"I think in this environment of 'American Idol,' we get focused on form and not as much on substance," Booker said.
It's settled. Ryan Seacrest and the "Idol" judges are moderating the next debate.
As for Tuesday night's "Idol"-free debate, elsewhere in late night, it wasn't too early to focus on it after all. Jimmy Kimmel could have covered the action after it happened on his "Live!" show, but where's the fun in that? Instead he sent a camera crew out to the streets to talk to public about just who won the debate -- long before it ever took place.
But just because it hadn't actually happened yet, that didn't mean the man in the street didn't have some strong opinions about it. Some gave it to Obama, while other politically-minded folks rattled off their favorite highlights from the debate they only imagined. Watch the video above for the full range of reactions.
Related content:
Gene Simmons: Obama's 'been a piss-poor president'
Honey Boo Boo endorses Barack Obama
'Daily Show's' Jon Stewart: What happened to 'lovable, gaffe-tastic' Joe Biden?
Lindsay Lohan -- not (yet) registered to vote -- endorses Romney


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Musical Echoes 2013, a celebration of Native American culture, art, and music, highlighting the Native American flute, will be held at Fort Walton Landing, 139 Brooks St., beginning Friday at noon and continuing through Sunday at 3:30 p.m.
FORT WALTON BEACH � Musical Echoes 2013, a celebration of Native American culture, art, and music, highlighting the Native American flute, will be held at Fort Walton Landing, 139 Brooks St., beginning Friday at noon and continuing through Sunday at 3:30 p.m.
Musical Echoes has become a world-class event recognized as the best American Indian flute festival, with attendance in excess of 15,000. Enjoy a full schedule of performances from internationally acclaimed Native American musicians and dancers including return favorites such as Johnny Lipford, Autumns Child, and dancer Nikki Crisp.
Kevin Locke, known throughout the world as the preeminent player of the indigenous Northern Plains flute, traditional storyteller, and educator, will make his first appearance at Musical Echoes this year.
Billy Whitefox shares his Creek ancestry through Native American flute music, storytelling and jewelry-making. He lives in Panama City and tours the country with his music and stories of his heritage.
Along with the full schedule of concerts, festivalgoers can interact with Native American craftsmen who will display their arts and sell their wares.
Learn to play a Native American style flute in the free beginners� class. Shop the outdoor market for Native American art, jewelry, beadwork, clothing, food and much more, and take part in the annual Torchlight Remembrance Ceremony.
The goal of Musical Echoes is to create a high quality Native American Music and Arts celebration. Bring the family to enjoy this alcohol-free, fun event that is always free of charge, providing an opportunity to experience this nation�s rich Native American culture through music and art.
Musical Echoes is co- presented by Musical Echoes Flute Festival Inc. and the Greater Fort Walton Beach Chamber of Commerce. Musical Echoes is a fun, free, family event.
For additional event information, call 850-243-9807 or visit the website www.musicalechoes.org.
10 a.m.: Festival opens with Dock Green
10:30-11:45 a.m.: Kids Show with Nation of Change, Emerson Begay, Niki & Kele Crisp, Lowery Begay
Noon: Dock Green
1 p.m.: Emerson Begay
2 p.m.: Set up and sound check
4 p.m.: Billy Whitefox
5 p.m.: Painted Raven
6 p.m.: Nation of Change Dancers
7 p.m.: Opening Ceremony, Dock Green Invocation, Thunderbird Honor Guard Presentation of Colors
7:30p.m.: Autumn's Child
8:30 p.m.: Jonny Lipford
9:30-10 a.m.: Flute Makers & Art Competition entries must be registered in main tent
10:30 - 11:30 a.m.: Workshop, Intermediate Playing Class at Science Center
Ed Conrad - $10
Noon: Mayor Anderson to Open Festival, Dock Green
12:15 p.m.: Sydney Mitchell
12:30 p.m.: Timothy J.P. Gomez
1 p.m.: Billy Whitefox
2 p.m.: Kevin Locke
2:40 p.m.: Flute Maker/Art Competition Winners Announced
3 p.m.: Jonny Lipford
4 p.m.: Painted Raven
5 p.m.: Nation of Change Dancers
5:45-6:45 p.m.: Torclight Ceremony
7 p.m.: Michael DeMaria
7:45 p.m.: Kevin Locke
8:30 p.m.: Autumn's Child
10 a.m.: Open mic
10:30- 11:30 a.m.: Workshop, Intermediate Playing Class at Science Center
Jonny Lipford - $10
Noon � 1 p.m.: Free Beginners Flute Playing Class; Meet in Main Tent
Noon: Coyote Oldman
12:45 p.m.: Jonny Lipford
1:30 p.m.: Nation of Change Dancers
2:15 p.m. : Raffle/Silent Auction
3:15 p.m.:Autumn's Child


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Fark Weird News Quiz - March 30, 2018 (Easy Version)
Welcome back to another edition of the weekly Fark Weird News Quiz. Every week we write a few questions on randomly picked weird news stories from the week, and then we discuss whether Cadbury should consider some changes to their creme "yolk" in those eggs..
There's also a more challenging version of the quiz that's available right here, but you'll need to be logged into your Fark account to take it.
The Rules: Click any answer to proceed to the next question. There is no time limit, however your time is being tracked. Your score is tallied as you go, and once you finish, your final score will be presented to you!
Note: your score will not be saved after finishing because you aren't logged in. If you don't have a Fark account, you can get one (for free) here.


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Regular Physical Activity May Improve Sleep in Women with Menopausal Symptoms
More and more studies have found that sleep is a valuable health asset. Difficulty sleeping not only makes it hard to make it through the next day but can make you more vulnerable to infections like cold or flu. Regular sleep deficits can even increase the risk of heart disease, diabetes, and obesity. Unfortunately not all sleep problems can be managed by simply getting to bed earlier. Women in or around menopause may have trouble getting a good nights rest because of symptoms like night sweats of hot flashes. Severe symptoms maybe treated with hormone therapy but this treatment is not the best option for everyone because of its link to heart disease and certain cancers. Lifestyle changes on the other hand may provide a way to manage menopause symptoms and improve sleep without the negative potential.
Researchers from University of Pittsburgh wanted to examine if physical activity could help improve sleep in women with vasomotor symptoms. The study, published in Menopause, found that women with regular physical activity had fewer sleep problems.
About the Study
The Study of Women's Health Across the Nation is a large study that assesses physical, biological, psychological and social changes experienced in women across the United States during and just before menopause. The study began in 1994 and followed women, age 40-55 years, with annual blood and urine specimens and questionnaires about lifestyle and health. A subset of 104 women that had reported their sleep and physical activity habits were included in this sleep study. The following results were reported:
- Women who reported higher amounts of physical activity were more likely to report higher sleep quality.
- Women who reported higher amount of household physical activities were more likely reported better sleep characteristics such as not waking up during the night.
How Does this Affect You?
Both the larger trial and the smaller sleep trial are observational studies, which means information is collected and changes are observed. The researchers do not take any steps to control factors that can affect the outcome, so the trials can not determine cause and effect. Instead these trials are used to look for potential connections. This trials appears to have found a connection between physical activity and menopause related sleep problems. Although, other trials would need to be done to confirm the link, it is reasonable to believe that a connection exists. Past studies have shown that regular physical activity is associated with better quality of sleep and decreased intensity of menopausal symptoms.
This study showed that it was not only exercise-specific activities but any physical activity, like housework, that had an impact. Aim for some physical activity each day. Little bits like taking the stairs instead of an elevator, parking a little further away, or breaking up extended periods of sitting with a little stroll may also be helpful. If you are having trouble sleeping because of night sweats or hot flashes, consider adding exercise or physically active tasks to your daily routine. If the problems persist, talk to your doctor about other ways to help you manage symptoms of menopause so you can get the sleep that you need.
Healthy Women
]]>http://www.healthywomen.org ]]>
The North American Menopause Society
Lambiase MJ, Thurston RC. Physical activity and sleep among midlife women with vasomotor symptoms. Menopause. 2013 Sep;20(9):946.
Last reviewed September 2013 by Michael Woods, MD
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.
Copyright © 2007 EBSCO Publishing All rights reserved.


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Cor van Deutekom worked in the Dutch Indies in the years before World War II. He made political cartoons for newspapers and worked as a journalist for magazine d'Orient. He also did advertising art for Bataafche Petroleum in Surabaya, as well as General Motors and Koninklijke Paketvaart Maatschappij in Batavia.
He was an artist with the Nenasu, the Dutch national-socialist publisher during World War II. He illustrated books by Max Blokzijl and Jan Rudolf Hommes and succeeded Peter Beekman as the artist of the section 'Rare, Maar Ware Commentaren' in the NSB weekly Volk en Vaderland in December 1942.
Starting in February 1943, he drew a daily strip in Twentsch Nieuwblad, called 'Joco' ('Joco's Avontuur in China', 'De Maanbruidegom', 'Joco en het Spookschip', 'Joco en het Circus', 'Joco Redt de Rog' and 'Joco's Vacantie-avontuur'). These stories were not of a national-socialist nature, but all the foreigners (Chinese, Arabs and Africans) had optimal chance to prove their "inferiority" (like in most comics of the time).


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2013 has been an intense year for politics and it's only half over. Already, the Maine Republican Party has gone from promising to self-destructing in a matter of months. After a tumultuous primary season and rough general election, a new direction was sought. This new direction, endorsed by Governor Paul LePage, was to elect former State Representative Rich Cebra as State Chairman. This was a position even I supported, knowing Cebra from his solid work in the Legislature. When he officially entered the race, he ran on allowing all parts of the party having a voice at the table. As a libertarian Republican who wanted a successful party, I supported this position.
As the battle for the Chairmanship heated up, reports were rolling in that Defense of Liberty PAC chairman Eric Brakey and others were smearing Rich Cebra behind the scenes. With mutations of the truth spreading, they were advancing their own candidate to, as Brakey said at a DOLPAC event, "take over" the party. To be clear though, I was wrong and Brakey was right about one thing: Cebra was not the one for Chair.
Despite the talk of a "take over", I am to be considered the "overzealous blogger", in the opinion of Brakey.
In the beginning, the DOLPAC alternative was a man by the name of David Jones. Regarding Jones, a couple facts stood out to me right away. The first was that his claim to have been an Independent candidacy for Governor in 2006 was clearly not true, as it bumped into the claim by him as well as on the DOLPAC site to have been a "lifelong fiscal conservative Republican."
The second was the fact that DOLPAC refused to support certain principled liberty candidates based on their participation in Clean Elections, yet here they were endorsing, and even pushing, David Jones who had failed to qualify for Clean Elections funding and dropped out of the race after publicly stating his withdrawal was for that reason. Add to this the zero name recognition, which some Republican leaders saw as insulting to them.
Somebody was getting "overzealous", and it wasn't the blogger who supported the Governor's choice for Chairman.
Then there is Maine Republican Party secretary Charles "Chuck" Mahaleris, who has recently taken to attacking me. Again, the practice of shooting the messenger instead of focusing on the message is at work. Of the things Secretary Mahaleris said about a fellow Republican were claims that "nothing helpful to our body" has come from the "unfriendly blogger." By a number of people, I've essentially been labeled and described as hostile.
Put on the tin foil hat, as the reason is supposedly "to hurt our member Eric Brakey."
This discussion resulted out of an accusation the Secretary made against a fellow member of the State Committee. Not only was the accusation false, it was unprofessional. It's these sort of things that create a hostile work environment, not a random Bangor Daily News blogger exposing neglect of the bylaws or a drained bank account.
The accusation resulted from a Facebook conversation, as described in "PAC Chairman Claims Legislators Threatened Physical Violence", regarding the Governor LePage re-election fundraiser with former Florida Governor Jeb Bush. State Committeewoman Violet Willis voiced concern regarding a potential perception issue by appearing with the controversial brother of former President George W. Bush. Brakey dodged the point by referring to a physical threat made against him by State Legislators in Augusta, using it to support his integrity.
The "overzealous blogger" defended Brakey. Ahead of his State Senate campaign launch and after a strong defense of him from any physical threats, Brakey continued the attacks alongside the Secretary. My defense of him here was not an attempt "to hurt our member Eric Brakey." I am not the unnamed legislator who made physical threats towards him.
Secretary Mahaleris and Brakey are both supporters of Senator Susan Collins re-election. The Secretary, also a paid staffer of Senator Collins, was a strong defender of her Second Amendment views this past Spring after an uproar from conservative Republicans resulted from her support of gun control legislation. As the Maine Republican Party Secretary defended her, Brakey affirmed his disagreement with her on the issue, while stating he wanted to see her re-elected to the United States Senate.
Senator Collins represents a difficult point for Maine Republicans going forward. She is proven electable and is popular, but often sides with the left. She consented to hundreds of billions of dollars in spending programs proposed by the Democrats after President Barack Obama was elected. In 2009 alone, she voted for $192 billion in anti-recession stimulus spending and for a $825 billion economic recovery package. This came a year after voting for a $60 billion stimulus package. The list goes on, but as Mainers struggle daily to keep up with a bad economy, Senator Collins continues to favor spending money on wasteful spending programs. Where is this money coming from? Increased taxes or the Federal Reserve's printing press?
Despite the claim that the "unfriendly blogger" has not been "helpful to our body", it is not I who was overzealous in my consent of draining Mainer's wallets to prop up President Obama and the Democratic agenda.
Yet, State Chairman Rich Cebra continues to make incoherent Facebook posts about plots against his party and conspiracy theories about inside jobs to bring down the operation. When the truth is, I supported Cebra for the position of State Chair. Perhaps that is what Secretary Mahaleris means when he states that "nothing helpful to our body" from me. The one thing this blogger is guilty of being overzealous of, was in supporting Cebra for the position.
Sometimes good legislators don't make solid executives.
The story of this hostile porcupine, as you would be led to believe I am, is a simple one of a journey to expose the truth. Through all the friends lost and personal attacks launched against me, the unpopular stand is proof that this is not to make a name or create a political career. The goal is liberty for Americans and a prosperous future for the great state of Maine.
As someone who was born and raised in Maine, my only bias is towards that of my fellow everyday Mainer. As one who sees a future drowning in debt, my only concern is for the jeopardized prosperity for the children we will all bring into this world.
The Undercover Porcupine has been a registered Republican for his entire adult life. But blindly following the party line, refusing to utter a thoughtcrime, and refraining from asking questions is not the path to a successful future. There is a time to fight and there is a time to unite. Unity only occurs through respect that is mutually earned.
After Penobscotgate, which represented an attack on fellow Republicans with a subsequent coverup by leadership, it is clear that the priority still remains the country club. The lack of a budget, as reported on "Maine GOP Violating Multiple Bylaws, Operating Without Budget", is a great concern, as a political entity cannot function without money. On top of all these problems, the State Chairman is hanging out his own to dry, forcing good Republican leaders like Washington County Chairman Tony Bennett to defend himself against fellow Republicans and to State Legislators.
Every issue had been attempted to be handled internally by the respective parties affected. When it wasn't, only then did I report. If anyone has been "nothing helpful to our body", it is those who perpetuated these issues and ignored them. When darkness continues to engulf issues that should be resolved, it is time to shed the light on them.
The only one who opposes transparency after all is President Barack Obama, right? Think carefully, fellow Republicans. These are the questions we need to consider as we struggle to find our identity as a party and move forward into the future.


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Arrhythmias (also called dysrhythmias) are abnormal heartbeats usually caused by an electrical "short circuit" in the heart.
The heart normally beats in a consistent pattern, but an arrhythmia can cause it to beat too slowly, too quickly, or irregularly. This can cause the heart to pump inconsistently, which can lead to symptoms like fatigue, dizziness, and chest pain.
Your heart has its own electrical system that sends electrical signals around the heart, telling it when to contract and pump blood around the body. The electrical signals start in a group of cells, called the sinus node, located in the right atrium. The sinus node is the heart's pacemaker and makes sure the heart beats at a normal and consistent rate. The sinus node normally increases your heart rate in response to exercise, emotions, and stress, and slows your heart rate during sleep.
But sometimes the electrical signals flowing through the heart don't "communicate" well with the heart muscle, and the heart can start beating in an abnormal pattern, or arrhythmia.
Arrhythmias can either be temporary or permanent and they can be caused by several things — but they also can happen for no apparent reason. Arrhythmias can be congenital, meaning a person is born with the condition.
Other causes of arrhythmias include chemical imbalances in the blood, infections or other diseases that cause irritation or inflammation of the heart, medications (prescription or over-the-counter), and injuries to the heart from chest trauma or heart surgery. Other factors like illegal drugs, alcohol, tobacco, caffeine, stress, and some herbal remedies can also cause arrhythmias.
Because arrhythmias can cause the heart to beat less effectively, blood flow to the brain and to the rest of the body can be interrupted. If the heart is beating too fast, the heart's chambers can't fill with the right amount of blood. If it's beating too slowly or irregularly, the right amount of blood can't be pumped out to the body.
Because the body isn't getting the supply of blood it needs to run smoothly, these symptoms can occur:
Arrhythmias can be constant, but usually come and go at random. Sometimes arrhythmias can cause no symptoms at all — in these cases, the arrhythmia can only be discovered during a physical exam or a heart function test, like an electrocardiogram(ECG/EKG).
Heart rate is measured by counting the number of beats per minute. Normal heart rate can be different for each person, depending on factors like age and whether the person leads an active lifestyle or not (for example, athletes often have a low resting heart rate).
The resting heart rate decreases as people get older. Typical normal resting heart rate ranges are:
Your doctor can determine whether or not your heart rate is abnormally fast or slow, since the significance of an abnormal heart rate depends on the situation. For example, a teen or adult with a slow heart rate might begin to show symptoms when the heart rate drops below 50 beats per minute. However, keep in mind that trained athletes have a lower resting heart rate — so a slow heart rate in these people isn't considered abnormal if no symptoms are associated with it.
There are several types of arrhythmias, including:
Premature contractions are usually considered minor arrhythmias, in which the person may feel a fluttering or pounding in the chest caused by an early or extra beat. PACs and PVCs are very common, and are what happens when it feels like your heart "skips" a beat. It doesn't skip a beat — an extra beat actually comes sooner than normal. Occasional premature beats are common and considered normal, but in some cases they can indicate an underlying medical problem or heart condition.
Tachycardias are arrhythmias that involve an abnormally rapid heartbeat. They fall into two major categories — supraventricular and ventricular:
Bradycardias — arrhythmias characterized by an abnormally slow heartbeat — include:
Arrhythmias can be diagnosed in several ways. The doctor will use a person's medical history information, along with a physical examination, to begin the evaluation. If an arrhythmia is suspected, the doctor will probably recommend an ECG/EKG to measure the heart's electrical activity.
There's nothing painful about an ECG/EKG — it's just a procedure where a series of electrodes (small metal tabs) are attached to the skin with sticky papers. Then, information about the electrical activity of the heart is transferred to a computer, where it's interpreted and drawn as a graph.
A doctor might recommend the following types of ECG/EKG tests:
Someone may have an arrhythmia but may feel no symptoms at all. Many arrhythmias don't require treatment; however, some can pose a health problem and need to be evaluated and treated by a doctor.
Depending on the type and severity of the arrhythmia, one of the following options might be recommended by a doctor:
Although many arrhythmias are minor and don't represent a significant threat to a person's health, some can indicate a more serious health problem. If you've been having any symptoms, talk to your parent or call your doctor.
Reviewed by: Joel D. Temple, MD
Date reviewed: August 2012
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It's the trend that has captured the imagination of runners the world over – setting FKTs, or Fastest Known Times – and ultra runner Ryan Sandes may have just created one of the most scenically spectacular routes. Continuing our series of athletes sharing their best moves, here, the South African athlete goes behind the scenes on his most recent feat – an FKT across Cape Town's iconic Table Mountain.
It's fair to say that Ryan Sandes is most at home on long distance trails and ultras. A year ago he and Ryno Griesel set an FKT of 41h 49m crossing the 220km Drakensberg mountains.
Now, on familiar terrain but an unfamiliar distance the Suunto ambassador has just blasted a 15.1 km trail across the rocky spine of the Cape Peninsula in 2h 2m 13s. Check out the Suunto Movie of the FKT below:
"The run starts with a massive climb up Llandudno Ravine to warm your lungs and legs up," Ryan tells us. "This is a super technical climb to the top of Table Mountain with lots of rock stairs and scrambling. The views on top of Table Mountain are amazing and makes every drop of sweat getting up to the top worth while."
Looking at his Movescount page, Ryan covers the 700 m ascent in 32 minutes, but the vertical isn't the only thing to worry about on the route.
"Once on top of Table Mountain the route is a little flatter but it is not completely flat. It is very technical running along a single track which can be quite overgrown and seeing large snakes is a common occurrence. Once you get to the Valley of the Red Gods you have a few small ladders to negotiate before descending Platteklip Gorge.
This is the hardest part of the run for me, as you have big rock stairs leading down Platteklip which kill your legs and you also have to constantly dodge tourists hiking up the mountain! Once on the contour path, the running is fairly fast to the finish but your legs will be feeling tired after the big descent off Table Mountain.
The route is just under 16km, but is very slow moving and you can never get into any rhythm. But I love it as it is in my 'back garden' and I feel right at home."
Anyone who wants to have a crack at the route should head over to redbull.co.za/FKT. You can use a Suunto Ambit to pit yourself against Sandes' time so long as your moves are automatically synced with Strava. The best one will get to join Sandes in Reunion Island as his support crew for the Grand Raid Reunion race.
All images ©Craig Kolesky/ Red Bull Content Pool


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When it comes to wealth management, the devil is in the details—the minutiae in plans and strategies that may be overlooked or disregarded, only to cause serious problems later on. The challenge, of course, is discerning the details before they create havoc.
When it comes to the growing use of sophisticated wealth transfer mechanisms like trusts and limited liability companies by individuals, the details include complicated insurance considerations that must be expeditiously addressed. If not, the devil—in this case a potentially catastrophic loss of coverage—might make an unexpected visit.
Here's the backdrop: All insurance policies, including those covering homes, boats, automobiles, fine art and other collectibles, are underwritten to provide coverage to the owner or titleholder of the asset. In other words, the owner's name is stated on the policy.
Simple enough. Now here is where the aforementioned fiasco can occur. Say a homeowner has been advised to create a trust or LLC for estate planning, tax, creditor protection or other reasons. The owner agrees with the strategy, and the house is transferred to the trust or LLC. The homeowners insurance policy must now be altered to reflect this change in ownership, i.e., state the name of the trust or LLC as an insured party.
If this change is not made and the house burns down to the ground or is otherwise damaged, the insurance company could question the change in ownership.
Practical Insights From a Wealth Manager
This extraordinary risk became clearer to me following a recent discussion with Bob Bensman. Bob is the CEO and founder of The Bensman Group, a Chicago-based insurance and financial advisory firm specializing in serving the needs of an ultra-high-net-worth clientele. While Bob has not encountered the aforementioned situation with his clients—he's too smart for that—he says it is not uncommon, particularly in cases where the former owner of a home still resides in it, even though the actual ownership has been transferred. The same is true for scenarios involving a yacht, Ferrari or a Giacometti sculpture, still in the "possession" of the former owner. "When it does occur, needless to say everyone is in shock," Bob said.
There are many intelligent reasons behind the transfer of high-value assets to a trust or LLC. "Say you have two homes, and are advised by tax or legal counsel to transfer the vacation home to a trust for your son for estate tax planning reasons," Bob explained. "You're 75 years old and not ready to actually give the home away today, but want to do that in 10 years. Under IRS regulations, the gift of the house to your son is not its market value today (from a gift tax perspective), since he's not getting it for 10 years, but the present value of the gift in 10 years.
Thus, a $5 million house based on the market value may be discounted to $2.5 million, yet 10 years from now might actually be worth $10 million. When you anticipate the future value to be more than the present discounted value, there is an incredible tax savings."
This explains, in part, the growing popularity of such sophisticated wealth transfer strategies. But what about the insurance ramifications?
"Here's the deal," Bob said. "Typically, when you transfer title of a home to a trust, the house no longer belongs to John Doe. It now belongs to the trust. Now say John Doe has a party at the house and a friend becomes inebriated, suffers a terrible accident and becomes a quadriplegic. The attorney representing the friend sues the owner of the home, which is the trust. You must make sure the insurance program provides coverage to both the owner (the trust) and the occupant (John Doe) to make sure there are no gaps in coverage. In effect, the trust has no insurance coverage. John is now potentially liable for millions of dollars in damage."
What's the solution? Certainly, proper wealth planning should include input not just from tax and legal professionals, but from insurance agents and brokers specializing in the risk transfer and risk management needs of families and individuals—people like Bob Bensman. It's a straightforward solution, of course. But frequently in the discussions on the merits and challenges of wealth transfer strategies among financial planners, attorneys, CPAs and owners, the subject of insurance may not come up, in part because the insurance agent or broker may not be privy to these deliberations or has not requested to become involved.
How can such potentially dire complications be avoided? "If advice has been provided to transfer an asset to a trust or LLC, it is incumbent that the insurance agent or broker be notified immediately," Bob says. "Otherwise, if a claim arises down the road, it's important that all parties have appropriate coverage to avoid everyone from pointing fingers at everyone else."
It's smart advice, given the possibility of devastating financial loss. Obviously, the goal of all financial advisors and wealth managers, including insurance agents, should be to ensure their clients are properly and fully protected—with no devils lurking around the corner.


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It being Wednesday, we will now have the singing of the national anthem led by the hon. member for Humber—St. Barbe—Baie Verte.
[Members sang the national anthem]
House of Commons Hansard #210 of the 41st Parliament, 1st Session. (The original version is on Parliament's site.) The word of the day was regulation.
February 13th, 2013 / 2:05 p.m.
The Speaker Conservative Andrew Scheer
It being Wednesday, we will now have the singing of the national anthem led by the hon. member for Humber—St. Barbe—Baie Verte.
[Members sang the national anthem]
Praise Cathedral Worship CentreStatements by Members
2:05 p.m.
Brad Butt Conservative Mississauga—Streetsville, ON
Mr. Speaker, February is Black History Month.
It gives me great pleasure to rise today and pay tribute to the congregation of Praise Cathedral Worship Centre and its spiritual leader, Bishop Lennox Walker, in the riding of Mississauga—Streetsville.
Praise Cathedral works actively towards empowering people to make healthy life-changing and life-sustaining choices, creating an atmosphere of praise and worship, love and unity to the winning of souls for the Kingdom of God. Since May 2005, the cathedral on Millcreek Drive has been a welcoming and shining example of the best in all of our people. I was honoured to co-present a Queen's Diamond Jubilee Medal to Bishop Walker recently, something that he acknowledged was an award for all the members of the church.
During Black History Month, let us all celebrate the tremendous contribution that Praise Cathedral and all Black Canadians have made to our great country.
PovertyStatements by Members
2:05 p.m.
Randall Garrison NDP Esquimalt—Juan de Fuca, BC
Mr. Speaker, this past Monday was the first Family Day in British Columbia.
In my riding, municipalities celebrated this day with a free pancake breakfast in Langford, a family fun swim in Esquimalt and family hockey games at the Sooke leisure complex, to name just a few.
While we welcome Family Day as a day to spend time together as families, we must now come together to do the work necessary to help those families who struggle every day to make ends meet. B.C. has the second-highest child poverty rate at 14.3%. The living wage in my riding is $18.07, but the minimum wage is still only $10.25, and the use of food banks in British Columbia is increasing twice as fast as the national average.
Fortunately there are groups such as the Mustard Seed food bank, the Coalition to End Homelessness and the Community Social Planning Council that are working hard to find solutions to the real challenges faced by all the diverse families in my riding, challenges in getting child care, affordable housing, food security, sustainable transportation and a living wage.
The work that these groups do will make a real difference for families in Esquimalt—Juan de Fuca in all these areas where the Conservative government is falling so short.
LiteracyStatements by Members
2:05 p.m.
Peter Braid Conservative Kitchener—Waterloo, ON
Mr. Speaker, teaching a young child to read is one of the most important and one of the most rewarding things we can do as parents and as a society.
Early childhood literacy not only provides an essential foundation for individual lifelong learning and success, it also prepares our future workforce to compete in the knowledge economy and enhances the quality of life for all citizens.
Ensuring that all young people can learn to read is the goal of Strong Start, an organization in my riding of Kitchener—Waterloo. Strong Start delivers an effective program that builds initial reading skills and enables children of all backgrounds and capabilities to succeed in a school setting.
Please join me in congratulating the staff and volunteers of Strong Start for their commitment to early literacy and for making a difference in the lives of families in our community.
Parliamentary Budget OfficerStatements by Members
2:05 p.m.
John McKay Liberal Scarborough—Guildwood, ON
Mr. Speaker, speaking truth to power is difficult at the best of times, but the Conservative government has created a special section in hell for those men and women in public life who have the temerity to be speak truth to power.
Kevin Page joins an ever-growing list of heroic parliamentary officers who have challenged the almighty Conservative propaganda machine. He has been the ultimate challenger to a fact-free government, pointing out inconvenient truths just as the machine is revving into high gear.
Unassuming and polite to a fault, the tax weary public has developed a fondness for his candour and evidence-based analysis. The more cabinet ministers attack him, the more he grows in public esteem. Whether it is the F-35, the Treasury Board cuts or every budget presented by the government, the PBO and Kevin Page have been more often right than wrong.
I do not know where the future will take Mr. Page, but he has set a very high bar in speaking truth to power, and we in the Liberal Party wish him well. Mr. Page, truth gets you heaven; untruth, the other place.
Young Scientist AwardStatements by Members
2:05 p.m.
Dean Del Mastro Conservative Peterborough, ON
Mr. Speaker, it is my pleasure to rise today to recognize a remarkable young man from the Electric City region and my riding of Peterborough, Ontario.
Mr. Adam Noble is a 19-year-old resident of Lakefield, Ontario, currently in his last year of studies at Lakefield District Secondary School. What Adam has achieved to date in the field of science is truly remarkable. I am pleased to have the opportunity to recognize it here in the House of Commons today.
Though his resume is surprisingly long for an individual who is only 19 years old, I will shorten it and just let members know that Mr. Noble is the proud recipient of the European Union Contest for Young Scientists' international cooperation award for his work with nanosilver and water filtration systems. Most recently, Mr. Noble was invited to attend and present at the Nobel Prize ceremony and symposium.
Adam is a driven young man with a bright future ahead of him, and I have little doubt that he will contribute substantially to our knowledge-based economy of the future.
We congratulate Adam, and we wish him continued success with his exciting future endeavours. His community, country and this House are proud of his achievements.
Winter Special OlympicsStatements by Members
2:05 p.m.
Raymond Côté NDP Beauport—Limoilou, QC
Mr. Speaker, I am pleased to rise in the House to celebrate the achievements of our athletes during the latest Winter Special Olympics, which were held in Pyeongchang, South Korea, from January 29 to February 5.
The Canadian team finished with an impressive 44 gold, 44 silver and 21 bronze medals in six sports: alpine skiing, cross-country skiing, figure skating, floor hockey, snowshoeing and speed skating.
It is with a genuine surge of pride today that I honour three athletes from Beauport—Limoilou who brought home six of the 109 Canadian medals.
I want to congratulate Stéphanie Savard, who won one silver and two bronze medals in alpine skiing; Matthieu Besnier, who won one gold and one silver; and Jean-François Leclerc, who won bronze. The last two athletes competed in snowshoeing.
Bravo to the Canadian team, and in particular the athletes from Beauport—Limoilou, for their wonderful contributions.
Saskatoon—Rosetown—BiggarStatements by Members
2:10 p.m.
Kelly Block Conservative Saskatoon—Rosetown—Biggar, SK
Mr. Speaker, this January I went on my fourth annual New Year's riding tour and visited 26 communities in six days.
In communities such as Fiske, Ruthilda, Delisle, Asquith and Saskatoon, to name but a few, in local restaurants, post offices and new horizons centres, I met with dozens of constituents. I heard how pleased they are that Saskatchewan farmers finally have marketing freedom for wheat and barley, and that the long gun registry has finally been destroyed.
Their message to me was clear. They want our government to keep taxes low, continue to open new markets for our goods and keep cutting unnecessary red tape, such as the changes we made to the Navigable Waters Protection Act.
I would like to thank everyone who came out to share their thoughts and concerns with me and made this the most successful winter tour to date.
Heart MonthStatements by Members
2:10 p.m.
John Weston Conservative West Vancouver—Sunshine Coast—Sea to Sky Country, BC
Mr. Speaker, February is Heart Month in Canada where heart disease and stroke take a life every seven minutes and 90% of Canadians have at least one risk factor. Heart disease and stroke are conditions that devastate individuals and entire families.
The Heart and Stroke Foundation makes a real difference in reducing heart disease thanks to its 140,000 dedicated volunteers and 2 million donors across Canada. Canadians have the power to "make health last" by addressing key risk factors, including physical inactivity, poor diet and tobacco use.
We in this chamber need to do our part by informing constituents about the importance of healthy living. One way is to encourage local governments to declare the first Saturday in June, national health and fitness day.
I would also like to invite all my colleagues to join me this evening in presenting the Queen Elizabeth II Diamond Jubilee Medal to Pierre Lafontaine and Phil Marsh, two trainers who, each week, invest their best efforts in improving the health of all members. Their investment in us will make us role models for a healthier Canada.
Aylmer Food CentreStatements by Members
2:10 p.m.
Nycole Turmel NDP Hull—Aylmer, QC
Mr. Speaker, every month, some 900,000 Canadians rely on food banks to have enough to eat. Nearly 40% of those 900,000 people are children.
I rise today to commend the outstanding contribution made by the Aylmer Food Centre in the fight against hunger. Created in 1988 to help about 20 families in need, the centre, which is celebrating its 25th anniversary this year, now helps about 650 households in my riding.
With the cost of living rising despite stagnating wages, our communities need organizations like the Aylmer Food Centre more than ever. However, what Canadians need more than anything is for this government to make the fight against poverty its top priority.
Calgary Olympic GamesStatements by Members
2:10 p.m.
Joan Crockatt Conservative Calgary Centre, AB
Mr. Speaker, today marks the 25th anniversary of the opening ceremonies of the 1988 Calgary Olympic Winter Games.
I would like to congratulate everyone who was involved in making this first Winter Games on Canadian soil a success. These games left us with countless memories, including Elizabeth Manley's amazing silver medal win in women's figure skating, which I was particularly delighted with as a figure skater of some lesser talent; Brian Orser and Brian Boitano fighting it out for gold; as well as the Jamaican bobsled team and underdog Eddie the Eagle.
It is important that many of the facilities built for these games continue to benefit athletes, including the Olympic speed skating oval and WinSport's Canada Olympic Park. Our government recognizes that hosting the Olympic Games provides Canada with the opportunity to promote our culture, athleticism and respect for human rights.
In 1988, the world saw the best of Canada and 25 years later we are still reaping the rewards. Go, Canada, go.
AbortionStatements by Members
2:15 p.m.
Laurin Liu NDP Rivière-des-Mille-Îles, QC
Mr. Speaker, Quebeckers and Canadians were horrified to find out that three Conservative MPs asked the RCMP to launch a criminal investigation into some abortions. They clearly consider women who resort to this medical practice to be murderers.
The Prime Minister claims he does not want to reopen the abortion debate, but through his silence he is condoning the guerrilla tactics that a number of Conservative members are using to attack one of women's fundamental rights. The members for Kitchener Centre and Langley have moved two motions in the House to reopen the debate, and now three Conservative members are using the RCMP for partisan and ideological purposes in order to circumvent Parliament and the Supreme Court.
The NDP is proud to defend a woman's right to choose. Fundamental rights cannot be called into question, either directly or indirectly.
The Prime Minister should keep his promises.
New Democratic Party of CanadaStatements by Members
2:15 p.m.
Terence Young Conservative Oakville, ON
Mr. Speaker, 60% of my constituents in Oakville work outside our communities, from Hamilton to Mississauga to Toronto. I have met many working people in Oakville who budget down to the last dollar for GO Transit fares and really appreciate the tax credit our government introduced to save them money and keep more cars off the road. Others, who do not work near GO Transit stops, will sometimes hold off on filling their gas tank for days, waiting for when gas will be just a few cents lower per litre.
Over 1,200 families in Oakville use food banks to make ends meet. They have been overloaded with taxes from the McGuinty-Wynne government such as new sales tax, the eco-tax and the health tax. More taxes will only deprive their families of the basics. The last thing they need is a new super tax on gas, public transit energy, home heating fuel, that would drive up the price of everything they need at malls and stores, including clothes, cleaning supplies and groceries.
My constituents in Oakville say "absolutely not" to the NDP job-killing $21 billion carbon tax.
International Co-operationStatements by Members
2:15 p.m.
Mark Eyking Liberal Sydney—Victoria, NS
Mr. Speaker, NGOs play an important role in an effective democracy. They are able to project positive Canadian values abroad. Canada is home to many NGOs that have a proven track record of achieving results and forming deep partnerships in their work abroad.
Yet the Conservative government has ignored the merit of these successful Canadian groups and ideologically defunded organizations like Development and Peace, KAIROS, CCIC, the Canadian Nurses Association, the Forum of Federations, the Canadian Teachers' Federation and many others.
These organizations are gathering on Parliament Hill today to call upon the government to reinstate Canada's aid to the level it was before in the budget and to work toward our commitment to invest 0.7% of our GDP on international development.
Canadians want to make a difference and help the world's poorest. The Conservatives must stop standing in their way, because many lives depend upon it.
Government of CanadaStatements by Members
2:15 p.m.
Eve Adams Conservative Mississauga—Brampton South, ON
Mr. Speaker, our Conservative government has been working hard over the past seven years for Canadians. Since forming government, Canadians have placed their trust in us to deliver results. That is exactly what we have done. We have lowered the GST from 7% to 6% to 5%. That is something that saves all Canadians money, every day, every time they make a purchase. We implemented the children's fitness tax credit to help moms and dads with the costs of hockey, soccer and gymnastics, for instance. We have implemented the children's' arts tax credit to help with the costs of piano and guitar lessons.
Unfortunately, the leader of the NDP has a different plan for Canada. The Leader of the Opposition wants to implement a $20-billion job-killing carbon tax that would hurt Canadians. On this side of the House, we will continue to stand tall for Canada and we will fight the $20 billion job-killing carbon tax.
Democratic ReformStatements by Members
2:15 p.m.
Peter Julian NDP Burnaby—New Westminster, BC
Mr. Speaker, another day, another Conservative under investigation. Senator Pamela Wallin is now under investigation for her expenses. She is alleged to have spent hundreds of thousands of taxpayer dollars on flights to Toronto. University of Regina constitutional expert Howard Leeson is calling on the Senate to remove Senator Wallin for failure to comply with constitutional residency requires.
All the while, Conservatives claim senators are "hard-working parliamentarians". The average senator worked only 56 days last year. That is 309 days off a year. This is the ultimate Conservative gravy train.
The New Democrats have always rejected Senate appointments. We demand that party operatives stop doing partisan work on the public purse. We demand they pack up their fundraising operations and go home, back to Kanata. When the last of these unaccountable Conservative political operatives go out the door, they can turn out the lights on their way out the door.
New Democratic Party of CanadaStatements by Members
2:20 p.m.
Robert Goguen Conservative Moncton—Riverview—Dieppe, NB
Mr. Speaker, yesterday, the leader of the NDP asked our government members to make youth job creation a key part of the upcoming budget. I can tell the leader of the NDP and his party that on this side of the House, our priority is jobs, growth and economic prosperity. That is why we have stood firmly opposed to the NDP leader's $20 billion job-killing tax that would kill jobs and stall economic growth. In fact, the NDP leader's $20 billion job-killing carbon tax would raise the price of everything including gas, groceries and electricity. The NDP's 2011 election platform planned to raise over $20 billion from its carbon tax scheme. The NDP leader said that this "will produce billions".
While the NDP leader is working on a plan to raise billions of dollars of revenue from Canadians with his job-killing carbon tax, our government will remain focused on what matters to Canadians: jobs, growth and long-term prosperity.
EthicsOral Questions
2:20 p.m.
Outremont Québec
Thomas Mulcair NDPLeader of the Opposition
Mr. Speaker, in the Senate, the more things change, the more they stay the same. Senator Pamela Wallin claimed more than $300,000 in travel expenses in the past three years alone. Less than 10% of these expenses were for travel in Saskatchewan, the province she is supposed to represent. Senator Wallin is using taxpayers' money to travel around the country and to star in the Conservative Party's fundraising activities.
Does the Prime Minister believe it is acceptable for taxpayers' money to be used to raise money for his political party?
EthicsOral Questions
2:20 p.m.
Calgary Southwest Alberta
Stephen Harper ConservativePrime Minister
Mr. Speaker, I reject that characterization.
In terms of Senator Wallin, I have looked at the numbers. Her travel costs are comparable to any parliamentarian travelling from that particular area of the country over that period of time. For instance, last year Senator Wallin spent almost half of her time in the province she represents in the Senate. The costs are to travel to and from that province, as any similar parliamentarian would do.
EthicsOral Questions
2:20 p.m.
Outremont Québec
Thomas Mulcair NDPLeader of the Opposition
Mr. Speaker, when Pamela Wallin was appointed to the Senate, it was well-known that she had not lived in Saskatchewan in decades. When Mike Duffy was appointed to the Senate, it was well-known that he had not lived on Prince Edward Island in decades. When Patrick Brazeau was appointed to the Senate, it was well-known that he had serious personal and ethical issues.
These are the Prime Minister's appointments. When will the Prime Minister take responsibility for his senators?
EthicsOral Questions
2:20 p.m.
Calgary Southwest Alberta
Stephen Harper ConservativePrime Minister
Mr. Speaker, the leader of the opposition is mixing different cases.
In the case of Senator Brazeau, I would point out that not long before I named Senator Brazeau, at the request of the NDP, he spoke on the floor of the House of Commons. He was a respected leader of a national aboriginal organization. Some things have happened more recently that are before the courts, and the Senate has taken the appropriate action under the circumstances.
Aboriginal AffairsOral Questions
2:20 p.m.
Outremont Québec
Thomas Mulcair NDPLeader of the Opposition
Mr. Speaker, the Human Rights Watch report released today reveals that aboriginal women absolutely do not trust law enforcement officials. This has even been a major obstacle in investigations into the murders of aboriginal women in Canada. The authors of this report also allege that aboriginal women were assaulted and sexually abused by some police officers.
Will the Prime Minister finally agree to launch a full public inquiry into the disappearances and murders of aboriginal women in Canada?
Aboriginal AffairsOral Questions
2:20 p.m.
Calgary Southwest Alberta
Stephen Harper ConservativePrime Minister
Mr. Speaker, I am very aware of the fact that a report was released today. The Minister of Public Safety has asked the Commission for Public Complaints Against the RCMP to look into the serious allegations made in the report. We do not have any information about these allegations, but anyone who does should give the information to the appropriate authorities.
Aboriginal AffairsOral Questions
2:25 p.m.
Niki Ashton NDP Churchill, MB
Mr. Speaker, the only way to bring justice to these murdered women is to call a public inquiry. The Human Rights Watch report sheds light on the failure of the police and successive governments to protect aboriginal women and girls against violence.
Civil society, aboriginal representatives and the NDP are all calling for a national public inquiry into the murders and disappearances of aboriginal women.
How many more victims will there be before the Conservatives take action?
Aboriginal AffairsOral Questions
2:25 p.m.
Provencher Manitoba
Vic Toews ConservativeMinister of Public Safety
Mr. Speaker, the government has asked the independent commission for public complaints against the RCMP to follow up on some allegations that have been made. There is no question that the deaths of these women are a tragedy that has caused deep pain for many families. Our thoughts and prayers remain with the victims and their families.
We will continue to move forward with a vigorous criminal justice agenda to address the concerns of victims. We call upon the NDP to help us in that respect.


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Daily entertainment news with what to watch tonight on TV, news on "The Bachelorette" and the Teen Choice Awards.
What to watch: 'Bachelor Pad' on ABC at 8 p.m. EDT/ 7 p.m. CDT
Tonight is the series premiere of "Bachelor Pad." This show places 15 unforgettable characters from "The Bachelor" franchise and five super fans gather back at the mansion.
Trending topic: Teen Choice Awards 2012
The Teen Choice Awards 2012 aired over the weekend, and "The Twilight Saga" as well as "The Hunger Games" were among some of the big winners. NYDailyNews.com has gathered the winners for you. Click on the link above to read the article.
Video: The Bachelorette picks her man
Emily Maynard gives out her final rose to one lucky guy. Find out who wins her heart. Scroll down to the bottom of the page to watch the video.
-- GateHouse News Service


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Beacon Research announced Monday that annuities in several categories broke sales records in the third quarter of 2013. Total annuity sales were nearly $22.5 billion in the third quarter, up from $17 billion in the second quarter. Total annuity sales increased more than 35% since the third quarter of 2012,
"Quarter-over-quarter sales were up among all fixed annuity product types and, for the first time since 2008, in all major distribution channels," Jeremy Alexander, CEO of Beacon Research, said in a statement. "Sales of indexed annuities surpassed $10 billion for the first time, and nearly two-thirds of carriers experienced an increase in MVA annuity sales during the quarter."
Indexed annuity sales increased more than 10% over the second quarter to $10.1 billion. Sales for income annuities, including immediate and deferred income, reached $2.8 billion, also beating year-to-date and quarterly records. Deferred income annuities were especially popular, tripling since the third quarter of 2012. Beacon said that deferred income annuities account for 22% of all income annuity sales, an increase of 11% since last year.
New York Life was the top annuity issuer, bringing in $2.3 billion in total fixed annuity sales for the third quarter. Security Benefit came in second with $1.8 billion, followed by Allianz Life at $1.3 billion; Western National with $1.2 billion; and Great American with $1.1 billion.
Beacon noted that the top issuers for the quarter also led the industry in year-to-date sales.
Captive agents sold the most annuity products, followed by independent producers and wirehouses. Large and regional broker-dealers and independent broker-dealers were in fourth and fifth place for total third-quarter annuity sales.
"At the pace seen in the past two quarters, we expect total fixed annuity sales for 2013 to exceed last year's numbers for the first year-over-year increase since 2008," Alexander said. "The outlook for indexed and deferred income annuities remains strong, in particular, and we expect to see increases in fixed-rate annuities as well, should interest rate trends continue."
Check out What the U.S. Private Retirement System Gets Right on ThinkAdvisor.


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I do not seek to educate, I am only but a student in the school of life, I only hope to hear you express your thoughts, from your own thinking and analysis, so we can learn from each other.
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Saturday, 31 August 2013
A dance with the stars
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We've looked back on the best players at each position from the 2010 fantasy basketball season. Now we're preparing to steal a few glimpses at the 15 best rookies of 2010. Everyone has their preferred way to steal glimpses. Some put on dark sunglasses, others find reflective surfaces like storefront windows or iPad screens so as not to look directly at the subject you want to see, and yet others preemptively stare at the empty space their glimpse-able object will inhabit until they walk right into it and, whoops, it was just an accident that you were glimpsing! That got a little awkward, I know. Almost as awkward as ranking 15 rookies that were worth owning this season. Spoiler alert: there weren't 15 worth owning this season. There were five and a bunch of kids with a great month or week or, um, upside. Speaking of upside, before we get to the 15 players that are on this list, it's worth mentioning that Jordan Crawford isn't. This is what I'm talkin' about, Willis. Many teams didn't know what they had in some of these rookies until the season was at least half over. Crawford isn't in the top 15 because the Hawks played him in garbage minutes for two-thirds of the season. Then D.C. got him in the Hinrich trade and played him 33 minutes where he averaged 16/3/4, with 2.1 stls+3ptm per game. Read about his sleeper status here if you feel cheated. 16/3/4 from a rookie in 40 games would have been enough to land him here. In the 26 games he played with D.C., it wasn't. So take this list with all the grains of salt that come in a box of six microwaveable soft pretzels as we look at the 15 most productive fantasy basketball rookies from 2010:
1. Blake Griffin – Went over him in the top 20 power forwards in 2010 post.
2. John Wall – Went over him in the top 20 point guards in 2010 post.
3. Landry Fields – Went over him in the top 20 shooting guards in 2010 post.
4. Greg Monroe – Went over him in the top 20 centers in 2010 post.
5. DeMarcus Cousins – Went over him in the top 20 centers in 2010 post.
6. Eric Bledsoe – Remember when Timothy Dalton took over the James Bond franchise in '86 and everyone was like, "Oh. Okay. I guess that might work." Then three years and two movies later it looked as if he'd miraculously sunk a virile franchise? This was Bledsoe's contribution to the Clippers floor generals this season. Randy Foye was Lazenby (humorous and not worth serious consideration), Baron was Roger Moore (like it or not, he's running things for a while), and Mo Williams is Brosnan/Craig (I don't really care who's headlining, I just hope this doesn't suck). In November, Bledsoe averaged 10/4/6 in 34 minutes and everyone felt they had a breakout on their hands.
2010 totals: 22.7 mpg/ .424/ .744/ 0.4 3ptm/ 6.7 pts/ 2.8 rbd/ 3.6 ast/ 1.1 stl/ 0.3 blk/ 2.4 tov, 81 games
7. Wesley Johnson – I really had no idea how terribly Johnson shot the ball this season, mostly because I didn't own him anywhere and tried to avoid Minnesota games at all costs because, well, because guys on that team shoot .397/.696 on the regular. And he was the seventh most productive rookie all season!
2010 totals: 26.2 mpg/ .397/.696/ 1.3 3ptm/ 9 pts/ 3 rbd/ 1.9 ast/ 0.7 stl/ 0.7 blk/ 1.2 tov, 79 games
8. Gary Neal – Tony Parker was right, the team is too old. Even its rookie was 46 years old!
201o totals: 21.1 mpg/ .451/.808/ 1.6 3ptm/ 9.8 pts/ 2.5 rbd/ 1.2 ast/ 0.3 stl/ 0.1 blk/ 1 tov, 80 games
9. Ed Davis – Davis started the season injured, then when he returned, he remembered he'd been drafted by the Raptors. So that took some time to get over. Once he hit his groove, he was, um, groovy I guess. Still, Toronto's main initiative for the 2011 season must be to find this guy a nickname. Ed Davis just won't work. It sounds like the guy who checks my gas meter. Get on it Canada. I'm entering Davis Rent-A-Star and Ed Zeppelin into the conversation.
2010 totals: 24.6 mpg/ .576/.555/ 0 3ptm/ 7.7 pts/ 7.1 rbd/ 0.6 ast/ 0.6 stl/ 1 blk/ 0.7 tov, 65 games
10. Paul George – The thematic thread running through the 2010 rookie class? Two first names.
2010 totals: 20.7 mpg/ .453/.762/ 0.7 3ptm/ 7.8 pts/ 3.7 rbd/ 1.1 ast/ 1 stl / 0.4 blk/ 1.1 tov, 61 games
11. Evan Turner – The most remarkable part of Turner's flop of a rookie season, was how many chances he was given in order to prove himself. Of the nos. 6-15 rookies on this list, only Johnson and Ed Davis played more minutes and only Bledsoe, Johnson and Neal appeared in more than 78 games. By those parameters alone, Turner should be ranked no less than seventh here.
2010 totals: 23 mpg/ .425/.808/ 0.2 3ptm/ 7.2 pts/ 3.9 rbd/ 2 ast/ 0.6 stl/ 0.2 blk/ 1 tov, 78 games
12. Derrick Favors – I'm convinced Favors' involvement in the Carmelo trade rumors kept him from getting the same criticism that Turner was getting. With Turner, the wrap was that he wasn't doing well. With Favors, the wrap was that he would do well one day. He made incremental improvements between November and April. Hype schmype.
2010 totals: 19.7 mpg/ .517/.595/0 3ptm/ 6.8 pts/5.3 rbd/ 0.5 ast/ 0.4 stl/ 0.9 blk/ 1 tov, 78 games
13. Al-Farouq Aminu – Only the Clippers could have three of the best 15 rookies in a single season and still see to it that only one of them was any good. Best five-game stretch in 2010 for Aminu: November 9-17 (13/5/1, with 2 stl, and 2 3ptm.). He never approached anything like this again. In leagues deep enough to warrant rostering him, owners likely waited until the third or fourth game in this stretch to grab him and were burned for the better part of the next two weeks.
2010 totals: 17.9 mpg/ .394/.773/0.6 3ptm/ 5.6 pts/ 3.3 rbd/ 0.7 ast/ 0.7 stl/ 0.3 blk/ 1.3 tov, 71 games
14. Trevor Booker – Jordan Crawford would be no. 17 on this list. Which means that the Clippers and Wizards are rostering six of the league's 17 best rookies. Those teams combined to go 55-109 last year. That should tell you all you need to know about this rookie class. Am I being overly flip and a little harsh? Yes. Did Trevor Booker improve your fantasy team? I sure hope not.
2010 totals: 16.4 mpg / .549/.673/ 0 3ptm/ 5.3 pts/ 3.9 rbd/ 0.5 ast/ 0.4 stl/ 0.6 blk/ 0.6 tov, 65 games
15. Patrick Patterson – PaPa didn't play his first pro game until Christmas. It took me until March to stop calling him Pat Patrickson. These two things are connected.
2010 totals: 16.7 mpg/ .558/.715/ 0 3ptm/ 6.3 pts/ 3.8 rbd/ 0.8 ast/ 0.3 stl/ 0.7 blk / 0.6 tov, 52 games


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A Truth Journal: Idiot Gridiron Club Boosters FIre Winning LSU Coach Les Miles: From Denny: Well, it's official. LSU Coach Less Miles is coaching his last game Saturday, 28 November 2015. But wait - it's official: Rich old white men are behaving like diva tittie babies throwing a collective temper tantrum, a few angry old men ignoring the wishes of thousands of LSU fans. Are they related to Putin? Sure looks like it because these guys have zero class about how they go about parting ways with a winning coach who is also a terrific guy and an effective teacher.
Les Miles coached 142 games while at LSU for almost 11 years. His record? Pretty stellar stuff: 110 - 32. Miles took his LSU Tigers to two SEC championships, three SEC West titles and also a BCS National Championship in 2007. Since that win the boosters have hankered for more, unable to think soberly or realistically since they are in possession of a very young team. Those immature rich old men want what they want and no one will be tolerated to stand in their way. Well, Coach Les Miles was standing in their way - to hear these guys tell it... read on to hear about the boosters who are nothing but yahoo diva tittie babies throwing temper tantrums hurting the LSU brand...
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Check out this sexy Christmas kitty, complete with diva pearls!
Design comes around the shoulders to be viewed right side up. Check out this sexy Christmas kitty, complete with diva pearls!


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Greenpeace target Li Ning, a major Chinese athletic company which makes athletic shoes and sporting goods, to make a clear commitment to detox HK water.
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In earlier installments of this article, I have discussed some behavioral biases that tend to influence people to make bad investing decisions. In this post, I explore several more of these biases. The focus of this piece is on how we perceive ourselves and our ability to make independent decisions. One of the key ideas within rational markets is that people gather public information and make informed decisions. Without rational market participants, it is unlikely that markets themselves will converge to appropriate prices for traded assets (stocks, bonds, real estate, etc.).
Knowing the Difference Between Skill and Luck
This is, in fact, another case of attribution bias and can be summed up very easily: don't decide that you are a brilliant investor because you thrive in a bull market. This is often referred to as the self-attribution bias, thinking that your successes are due to your special abilities when they may be, in fact, due to chance. There is an enormous body of research that shows that investors are far too confident in their own abilities to select investments and time the market.
Another area in which investors tend to have trouble distinguishing luck from skill is in the performance of mutual fund managers. Investors who are willing to pay high expense ratios in actively managed funds must do so because they believe that the managers of these funds have real skill that justifies the cost. Research on this topic suggests that a small number of fund managers do appear to have skill, but that it is highly unlikely that investors will be able to identify these managers ahead of time. This difficulty does not discourage the multitude of investors who choose actively managed funds in the hope that they will have found a manager who can deliver out-performance.
Herd Behavior
One of the most powerful of all behavioral biases is herd behavior—when people do something primarily because every else does it. This is also referred to as the 'madness of crowds,' a term which originated in the title of a book published in 1841 titled Memoirs of Extraordinary Popular Delusions and the Madness of Crowds. This book (available free by following the link) is a very readable exploration of a range of bubbles and manias and provides numerous examples in which entire nations have been swept up in the search for a quick and effortless gain. The really dangerous part of such bubbles is that they are self-perpetuating. If you buy stock X and everyone else decides that they want to own this stock, you will make considerable money by selling and thereby confirm that the stock was a great investment.
Herd behavior provides considerable opportunities. For example, eBay's (EBAY) share price has increased more than threefold since 2009 but the stock still sells for a fairly modest P/E of 17. The 'herd' is no longer enamored with eBay. Over the last several years, eBay has been a very low-priced stock and it seemed that the market took a dim view of its earnings potential, despite solid performance. There are numerous other examples of individual companies and whole asset classes becoming 'unpopular,' which in turn drives prices down. To take advantage of such mis-pricing, however, you have to have the confidence to go against the crowd. The challenge, of course, is knowing when your commitment to bet against the crowd is not based on an over-estimation of your own skill.
Envisioning Your Future Self
A range of studies document that people save far less for retirement than most estimates suggest they should. Ending up old and poor will be miserable, so why don't people save more. One compelling study of this problem concludes that people don't save enough because they have trouble envisioning and relating to their future (older) selves. By showing people age progression pictures of themselves, they tended to save more for the future.
The psychological research behind this study suggests that many people simply cannot relate to the idea of their future selves. To many people, the future self is like a different person entirely:
Research has demonstrated that people make attributions about the future self in the same manner that they do for others, by attributing the future self's behavior to dispositional factors rather than situational ones (Pronin and Ross 2006; Wakslak, Nussbaum, Lieberman and Trope 2008), and make decisions for the future self using a similar process that they use to make decisions for other individuals (Pronin, Olivola, and Kennedy 2008)
Why deny yourself today to save for some future person? In essence, your current self is competing for consumption with your future self.
Saving for the future is simply a form of delayed gratification, but many people apparently do not feel this way. There is little question, however, that these same people are likely to feel considerable regret in later life at not having saved more.
What It Means
In this article, I have focused on problems that arise from people having an incorrect or biased view of themselves (current and future). We like to think of ourselves as skillful and original, but we can't all be above average. To a large extent, we simply choose to believe what we want to believe. We want to be able to spend more money today rather than saving for a day far in the future. We want to believe in some investment miracle that we can just jump on board with and that is as easy as doing what we other people are doing. The challenge is in asking ourselves whether our perception of reality is based on wishful thinking.
Challenging our natural biases in these areas requires a conscious effort. The specific behavioral biases that I have identified here are relevant to areas of life far beyond investing. Personal discipline in what we eat, how much we exercise, and other areas is largely motivated by having a vision of what will befall us if we don't make the right choices. Being able to resist the herd in investing is not all that different from resisting peer pressure to drink or smoke in high school.
The views set forth in this blog are the opinions of the author alone and may not represent the views of any firm or entity with whom he is affiliated. The data, information, and content on this blog are for information, education, and non-commercial purposes only. The information on this blog does not involve the rendering of personalized investment advice and is limited to the dissemination of opinions on investing. No reader should construe these opinions as an offer of advisory services.