text:
Lenny had a problem. A close friend of his invested some money a few years prior, in a local Italian bank — in Pisa actually — that had promised him steady interest of 4 percent per month. Rather than sitting by and letting the money rapidly grow and compound over time, Lenny's friend started withdrawing large and irregular sums of money from the account every few months. These sums were soon exceeding the interest he was earning and the whole process was eating heavily into his capital. To make a long story short, Lenny was approached by this friend and asked how long the money would last, if he kept up these withdrawals. Reasonable question, no?
Now, if I were Lenny, I would have pulled out my handy HP business calculator, entered the cash flows, pushed the relevant buttons and quickly obtained the answer. In fact, with any calculator these sorts of questions can be answered quite easily using the technique known as "present value analysis" — which is something all business school professors teach their finance students on the first day of class.
Unfortunately, Lenny didn't have access to an HP business calculator that performed the necessary compound interest calculations. To be honest, Lenny didn't have a calculator at all because they hadn't been invented yet. You see, Lenny was asked this question over 800 years ago, in the early part of the 13th century. But to answer it — which he certainly did — he invented a technique that today is called present value analysis. Yes. The one I mentioned we teach business students.
You might have heard of Lenny by his more formal name: Leonardo Pisano filius ("family," in Latin) Bonacci, a.k.a. Fibonacci (1170-1250), probably the most famous mathematician of the Middle Ages.
In fact, Fibonacci helped solve his friend's problem, wrote the first commercial mathematics textbook Liber Abaci and introduced the methodology for solving complicated questions involving interest rates. Let me repeat. His technique is still used and taught with slight refinements to college students 800 years later. Now that is academic immortality! (He published and his name hasn't perished yet.)
The Spending Rate: A Burning Question
Let's translate Fibonacci's mostly hypothetical 800 year-old puzzles into a problem with more recent implications. Imagine that you are thinking about retiring and to date have managed to save a total of $300,000 in your retirement account. For now, I'll stay away from a discussion about taxes or the account type. Allow me to further assume that you are entitled to a retirement pension income of $25,000 per year. This is the sum total of your Social Security and corporate pension plans — but the $25,000 is not enough. You need at least a total of $55,000 per year, to maintain your current standard of living. This leaves a gap of approximately $30,000 per year, which you hope to fill with your $300,000 nest egg. The pertinent question, then, becomes: Is the $300,000 enough to fill the budget deficit of $30,000 per year? And if not, how long will the money last?
As you probably suspected intuitively by now your $300,000 nest egg is not enough. Think about it this way: The ratio of $30,000 per year (the income you want to generate) divided by the original $300,000 (your nest egg) is 10 percent. There is no financial instrument that I am aware of that can generate a consistent and reliable 10 percent per year. If you don't want to risk any of your hard earned nest egg in today's volatile environment, the best you can hope for is about 3 percent after inflation is accounted for, and even that is pushing it. Sure, you might think that you are earning 5 percent guaranteed by a bank, or 5 percent in dividends or 5 percent in bond coupons, but an inflation rate of 2 percent will erode the true return to a mere 3 percent. Needless to say, 3 percent will only generate $9,000 per year in interest from your $300,000 nest egg. That is a far cry from (actually $21,000 short of) the extra $30,000 you wanted to extract from the nest egg.
You have no choice. In retirement you will have to eat into your principal.
In my personal experience talking to retirees and soon-to-be retirees, I find that this realization is one of the most difficult concepts they must come to grips with. Some people simply refuse to spend principal and submit to a reduced standard of living. Principal is sacred and they agree to live on (and adapt to) interest income. But, in today's low interest-rate environment, let alone once you account for income taxes, living on interest only will eventually lead to a greatly reduced standard of living over time.
So once you accept that actually depleting your nest egg is necessary, the next — and much more relevant — question becomes, If I start depleting capital, how long before there is nothing left?
Here is one of the many problems that Fibonacci posed in his book Liber Abaci, which may seem like just another problem, but is actually the intellectual inspiration for the equation illustrated on the previous page.
"…On Problems of Travellers and Also Similar Problems: A Certain man proceeding to Lucca on business to make a profit doubled his money, and he spent there 12 denari. He then left and went through Florence; he there doubled his money and he spent 12 denari. Then, he returned to Pisa; doubled his money and spent 12 denari, and it is proposed that he had nothing left. It is sought how much he had in the beginning…" (Translation source: L.E. Sigler)
With a little bit of imagination you can translate Fibonacci's 800 year-old traveler into a modern day retiree who starts retirement with an unknown sum of money. That is the variable to be solved for. The money is invested in a bank account that doubles its value every dozen years, which is an interest rate of approximately 6 percent per year. Now, at the end of each year the retiree withdraws 1 denar (or dollar, euro, peso) from the bank account, and spends it. This growth and spending process continues for three-dozen years (i.e. 36 withdrawals), at which point the money runs out. Fibonacci's question is: How much money did the retiree — who indeed wants to spend his time traveling — begin with? Remember that this problem was posed 800 years ago, in the year 1200. Retirement challenges might not be as contemporary as you think.
To sum up, Fibonacci's genius was that he broke-down complicated compound interest calculations — taking place across different periods of time — by bringing the cash flows all back to one focal point in time and manipulating those values on the same date. He eliminated the messy time dimension.
So, how long will your money last in retirement? Leonardo Fibonacci's answer is as follows. The present value of your retirement withdrawals, from the date of retirement until the unknown date the funds are exhausted, must exactly equal the value of your nest egg. Write it down mathematically, invert the expression and solve for t, and you are left with the expression at the very top of this column. This crucial computation is No. 1 from among what I believe are the 7 most important equations for your retirement.
Reprinted by permission of the publisher, John Wiley & Sons Canada, Ltd., from The 7 Most Important Equations for Your Retirement, by Moshe A. Milevsky. Copyright © 2012 by Moshe A. Milevsky


text:
Normal Vision
Vision or visual acuity is tested by reading a Snellen eye chart at a distance of 20 feet. By looking at lots of people, eye doctors have decided what a "normal" human being should be able to see when standing 20 feet away from an eye chart. If you have 20/20 vision, it means that when you stand 20 feet away from the chart you can see what a "normal" human being can see. (In metric, the standard is 6 meters and it's called 6/6 vision). In other words, if you have 20/20 vision your vision is "normal" -- a majority of people in the population can see what you can see at 20 feet.
If you have 20/40 vision, it means that when you stand 20 feet away from the chart you can only see what a normal human can see when standing 40 feet from the chart. That is, if there is a "normal" person standing 40 feet away from the chart, and you are standing only 20 feet away from the chart, you and the normal person can see the same detail. 20/100 means that when you stand 20 feet from the chart you can only see what a normal person standing 100 feet away can see. 20/200 is the cutoff for legal blindness in the United States.
You can also have vision that is better than the norm. A person with 20/10 vision can see at 20 feet what a normal person can see when standing 10 feet away from the chart.
Hawks, owls and other birds of prey have much more acute vision than humans. A hawk has a much smaller eye than a human being but has lots of sensors (cones) packed into that space. This gives a hawk vision that is eight times more acute than a human's. A hawk might have 20/2 vision!

subset: commoncrawl


text:
Skip to Content
COVID-19 Updates: New visiting policies, cancellations, patient instructions and more.
ALERT: If you have COVID-19 symptoms, please call before coming to Urgent Care or schedule a video visit M-F, 8 a.m. - 5 p.m. by calling (888) 591-0500.
Book Online
Save My Spot
About wait times
ER or Urgent Care?
Home > Event Results
Registration is closed.
MidMichigan Medical Center - Midland
MidMichigan Health Line can help you register for a class or find your way to one of our facilities.
Phone (989) 837-9090
Toll Free (800) 999-3199
Hours 9 a.m. - 4 p.m., Monday - Friday, Eastern Time
If you are unable to attend an event for which you registered, we are happy to reschedule you for another available date, transfer your registration to another eligible person, or process a full refund. To receive a transfer or refund, you must call MidMichigan Health Line prior to the cancellation deadline for your event.
Save $30 when you register for all three Healthy Beginnings classes: Pregnancy, Labor & Delivery; Infant Feeding & Safety; and Baby Care Boot Camp. Place all three of these classes in your cart before checkout and then enter promo code BB30 at checkout.
MidMichigan Health sponsors a variety of support groups across our service areas.
If you don't see a support group in the list for your topic of interest, you may want to search the Michigan Mental Health Networker or National Self-Help Clearinghouse.


text:
|Find the best surf spots
This is an interactive map! Use controls to pan and zoom this map.
Datum: WGS84 [ Help ]
Latitude: 52° 24.514' N
User rating (38)
Wannasurf.com is not responsible for the accuracy of the information contained in this guide. You use this guide at your own risk.
Choose your format: please login first
You are free to use Wannasurf.com KML/GPS data files ONLY for your personal use. See Terms of use for more information.
KML file: please login first
Your favourites and future surf spot lists
Found near the marina on the southerly end of the Aberystwyth promanade at the mouth of the rivers Ystwyth and Rheidol. It is only five minutes walk from the town centre / train station. Vehicle access on the promonade only - not actually through the marina.
DistanceIn the city
WalkInstant access (< 5min)
Easy to find?Easy to find
Public access?Public access
Special accessDon't know
Wave qualityNormal
ExperienceAll surfers
FrequencyVery consistent (150 day/year)
DirectionRight and left
Normal lengthShort (< 50m)
Good day lengthNormal (50 to 150m)
Good swell directionSouthWest
Good wind directionSouthEast
Swell sizeStarts working at Less than 1m / 3ft and holds up to 2.5m+ / 8ft+
Best tide positionLow and mid tide
Best tide movementRising and falling tides
Week crowdFew surfers
Week-end crowdCrowded
- Rips / undertow
- Rocks
Pick a day when the numbers in the water are down, becouse it can get crowded. At high tide be aware of the rebounded waves from the harbour wall that can leave you airborne. After heavy rain the rivers spill out right next to the break and can take the less experienced unawares, allthough you can use this to get out back more easily. If its very crowded try one of the other two town breaks or Borth beach break which is only slightly further north for some more chilled surfing.
Mid wales offers some great surfing, allthough it can be a little inconsistant. The trap is one of the better and most easily accessable waves found in Mid Wales, and its more relaxed than many down south. Locals are generally friendly, enthusiastic and tollerant.
Great spot for slightly more experienced surfers given the right conditions.
|No surf session
|No surf trip
By Anonymous , 10-06-2009
The Trap - I went to Uni in Aber from 94-97 and know the Trap fairly well.
Aber is flat a lot of the time but on the few occasions when you get a big swell pushing up from the south west it really fires - I sponge but have seen a stand up surf the trap when double overheard, no joke.
It gets very crowded though.
There are other options - Bath Rocks on North Beach is fun and you can always try the wall - just by the Old College - short ride very dangerous as if you don't get off you'll go straight into the wall!
Borth or Barmouth can be ok and there are a number of secret spots further down the coast.
By Rob , 23-08-2008
aber - im off to the uni nd really wana do surfin wen i go to uni this sept!im a surfin beginner but hopefully i can gain experience wen i start this sept
By Anonymous , 29-07-2007
england - i might be coming to england soon in the summer what type of wetsuit would u revommend beacause right nowi have a 3/2 and idk if that would be tick enough reply back
You can edit this page to correct errors or add new information. If you have any problems regarding this page, Send us feedback.
Wannasurf.com on your mobile
RSS All the RSS feeds of Wannasurf.com
Newsletter All news by email


text:
9 Days
March 22 - March 30, 2020
$3950.00 PP Double Occupancy*
Affectionately referred to as "Africa's Grandest Gathering", the Cape Town International Jazz Festival is the largest music event in sub-Saharan Africa. This proudly South African produced event is hosted at the Cape Town International Convention Centre. The festival annually boasts 5 stages with more than 40 artists performing over 2 nights. The festival hosts in excess of 37,000 music-lovers over the 2 show days. You will enjoy the musical experience of a lifetime.
This trip includes 3 nights in Johannesburg, a 1-day game drive, and 4 nights in Cape Town. You will visit the Apartheid Museum, Table Mountain, Robben Island, and much more. A great way to experience South Africa, and all that jazz!
*Prices based on double occupancy, with departures from your home city, and subject to change prior to confirmation of final group of travelers.
Payment Schedule
Terms & Conditions
If you access and use the iZania Travel Services web site and/or book any travel arrangements with iZania Travel Services, you accept and agree to be bound by and comply with the following terms and conditions. Your use of services is expressly conditioned on your acceptance of the following terms and conditions. By using the services offered, you signify your assent to these terms and conditions. If you do not agree with any part of the following terms and conditions, you must not use the services offered.
RESERVATIONS: Please visit www.izania.com or call 614-855-4428.
LAST MINUTE: All payments made within 30 days of departure must be in the form of a US Dollar certified check, money order, or credit or debit card; certified checks and money orders should be delivered to iZania LLC no later than 3 days following the reservation. All reservations must be made no later than 15 days prior to departure. If requested services cannot be confirmed, deposit and booking fee will be refunded. If services are confirmed, final payment is due within 24 hours and all applicable cancellation penalties will apply.
PRICES: Prices are per person based upon shared twin room occupancy. All prices are based on current exchange rates and are subject to change without notice. If the US Dollar devalues by 5% or more, iZania LLC reserves the right to increase prices accordingly. Prices do not include items of a personal nature such as laundry, wines, water, beverages, food other than stated in the itinerary, passport and visa fees, insurance, and foreign port taxes unless specifically indicated in the package inclusions. Prices are correct at time of publication; however, as airfares continually fluctuate and classes of service may have limited capacity, tour package prices and availability may change accordingly. In case of human or computer error, iZania LLC reserves the right to re-invoice for the correct price or service. A full refund will be made to passengers who choose not to pay an increase, provided iZania LLC receives a written cancellation within five days of the price increase notification.
Deposit: A deposit of $500.00 is due at the time of reservation. *
*$200.00 is nonrefundable
Full Payment: Full payment is due 60 days prior to departure.
Late Payment: If there is any outstanding balance by the Final Payment Due date listed on your invoice, all travel services will be subject to automatic cancellation. A service reinstatement fee of $50 will be added to your invoice and must be paid in advance in order to apply for reconfirmation of services.
Form of Payment: US Dollar check, bank check, money order, wire transfer, major credit cards or debit cards. Credit card charges will be accepted by phone or online to fulfill non-refundable deposit requirement. All payments made within 30 days of departure must be in the form of a certified check, money order, or credit or debit card; certified checks and money orders should be delivered to iZania LLC no later than 3 days following the reservation. There is a $50 fee for returned checks.
Cancellation: Once a partial or full payment has been made, cancellations will only be accepted in writing. Email your cancellation to firstname.lastname@example.com including your reservation number, full name and date of travel. If you do not receive an acknowledgement within 48 hours, call 614-855-4428 to ensure your information was received. Cancellation terms will be applied based on the date that the written cancellation is received and based on the following dates prior to departure.
Cancellation penalties apply to packages and/or services as indicated below. Package penalties include airfare. Deposit is fully refundable within 7 days only if iZania LLC requests and receives a verbal passenger consent to the potential for post-purchase price increase(s) due to fuel surcharges or increases in government taxes. This does not apply once the online and/or written Passenger Agreement has been completed.
Reservations with South Africa:
- Up to 90 days prior to departure: 20% of Land accommodations, no penalty on USA air fare.
- 89 to 61 days prior to departure: 25% of the value of rooms cancelled.
- 89 to 31 days prior to departure: Penalty of $100USD per cancelled seat.
- 60 to 31 days prior to departure: 50% of the value of the total package.
- 30 days to 15 days prior to departure: 75% of cost of total package; total cost of USA airfare nonrefundable after issuance of tickets.
- 14 days or less prior to departure: 100% of value of total package.
Reservation Changes: Changes to an existing reservation, whatever the cause, will incur $50 per person plus any additional supplier fees. This includes name changes* and removal of any services such as optional tours and transfers.
*Please note that name changes to airline reservations are subject to full cancellation and rebooking. See Airline Name Changes section for specific information. Changes or additions after departure are subject to local rates at the time of amendment and must be paid directly by the passenger to the service provider. There are no refunds for unused services.
Airline Tickets: Once full payment is received, tickets will be issued 30 days prior to departure and are fully non-refundable. Should airline tickets require to be issued earlier than the Final Payment Due date, you may be required to pay a larger non-refundable deposit and/or complete full payment.
Airline Taxes & Fuel Surcharges: If you purchased airfare, airline taxes and fuel surcharges are included. However, prior to completion of full payment there is a potential for a price increase(s) due to fuel surcharges as well as potential for increases in government-levied taxes and fees. To avoid potential increases, you may choose to accelerate your final payment in order that your tickets may be issued. Once issued, airline tickets are no longer subject to potential increases but are fully non-refundable.
Contact Information: Pursuant to TSA Secure Flight requirements, passengers are responsible to provide iZania LLC with their name as it appears on their passport (or other government-issued I.D. when traveling), date of birth, gender, address, phone number, email and fax data for all passengers. Passengers must ensure that names are correctly listed on their invoice. iZania LLC will not be responsible for passengers who do not receive an invoice or documents or are denied boarding due to inaccurate information.
Passports and Visas: Passengers are responsible for ensuring that they have the proper travel documents and MUST CHECK with the respective consulate(s) or visa agency to determine whether any visas or passports are required. Passports are required to be valid for at least 6 months after the date of travel. Visit http://travel.state.gov/content/passports/english/country/south-africa.html for more information. Any information provided pertains to US citizens only. Non-US citizens should check with the respective consulate of the country(s) to be visited for current entry requirements.
Travel Protection (Insurance): Missing a vacation is bad enough. Losing the money you paid for your vacation is even worse. Trip insurance is therefore highly recommended by iZania LLC. Travel Protection varies with the type of policy purchased, and should be purchased as early as possible prior to departure. Visit http://www.travelinsurance.com/ for more information and to compare plans and prices from top insurers.
Travelers with Disabilities: In order to fully enjoy your iZania LLC travel tour, we recommend that you select a trip that is suitable to your physical capabilities. Tour participants requiring any form of assistance are required to notify iZania LLC in writing prior to reservation for review and our agreement. Additionally the tour participant, must be accompanied by an individual responsible for providing those services. Tour managers, guides, drivers or other tour, hotel, ship personnel are not able to provide such assistance. Escorted tours are fast-paced, often requiring lengthy walks over uneven terrain. Clients with special needs may be better served independently. In order to participate in escorted tours, passengers must be able to understand and follow instructions given by the Tour Director at all times. Passengers may not interfere actively or passively with the successful operation of the tour, including but not limited to emergency situations.
Airline Seat Assignments: As a courtesy service, airline seat assignments are requested on your behalf and reflect the best available seats at the time of booking. Some airlines and/or fare types do not allow for pre-seating and require this be done at airport check-in only. Seats are subject to change by your airline(s) including, for example, when there is a schedule change or equipment change after your initial booking; this may cause seat assignments to be changed or even cancelled. At the time that iZania LLC travel documents are issued, the currently assigned seats will be listed based on the assignments stored in your airline reservation at that time. Even when seats are pre-assigned, we recommend that you contact your airline directly to reconfirm your seats approximately 72 hours prior to departure. Should you have questions regarding your assignments, please email to firstname.lastname@example.com .
Airline Frequent Flier Programs: Passengers are responsible to contact their airline directly regarding mileage eligibility and accrual. Airline frequent flier programs determine whether to award miles in part or total based on their own rules which are updated frequently. Some discounted or promotional airfares as well as some code-share flights are not eligible for mileage accrual. Airline schedule changes may result in flights which were originally eligible for mileage accrual no longer being eligible. We highly recommend passengers to provide their frequent flier account information whenever checking in online and/or at the airport check-in desk. After travel has commenced, it is often not possible to apply for frequent mileage credit. Passengers are also responsible to determine whether previously earned mileage may be applied to flights to secure upgrades.
Airline Name Changes: Any name change including minor spelling corrections may require airline reservations to be canceled and rebooked. Reservations are subject to current availability and pricing at the time of rebooking. Once airline tickets are issued, subsequent name corrections will be subject to an airline rebooking fee which may be as much as the full value of the airline ticket plus a $50 revision fee per change. iZania LLC will not be held responsible for the denial of services by a carrier due to any name discrepancy. Name changes must be advised in writing and forwarded to the attention of iZania Administration, email@example.com .
Airport Taxes & Fees: Airport taxes & fees are included in our Air & Land prices. These taxes and fees may vary prior to airline tickets being issued. We reserve the right to amend the airport taxes & fees to reflect any changes prior to full payment and ticketing. Certain overseas domestic flights are subject to air taxes which can only be paid locally; in these cases, the specific flights and amounts of those taxes are indicated in our package presentation and pre-departure documentation.
Reconfirming Flights & Schedule Changes: Passengers are recommended to reconfirm their flights 72 hours prior to departure, and to reconfirm seat assignments, special meal requests and frequent flier numbers, as applicable. In the event of an airline schedule change, iZania LLC will make every effort to inform passengers of the schedule change and new flight schedule prior to departure. iZania LLC is not responsible for schedule changes including, when applicable, changes in routing and/or the number of stops in the itinerary. iZania LLC is unable to provide compensation for schedule changes or cancellations implemented by an airline. In the event of any change in flight itinerary made directly between passengers and their airline, it is the passengers' responsibility to advise iZania LLC of amended flight details in writing to email@example.com. iZania LLC cannot be held responsible for land services, including arrival and/or departure transfers, if flights are changed without its knowledge.
Hotel Accommodations: All rooms are standard twin-bedded (two single beds) rooms with private facilities, unless you have specifically requested and paid for an upgraded room category. Special requests such as bed types, smoking preference and connecting rooms are subject to availability. Room selection in all cases, unless otherwise reserved, is strictly at the discretion of the hotel's management on a run-of-house basis. Triple rooms consist of standard twin beds or one double bed plus a sofa/folding bed or cot for third person except in the U.S. and Canada, where triple rooms often consist of two double/queen beds for three persons; a fee may be charged by the hotel for the addition of a cot/rollaway. The number of persons accommodated does not dictate the room size. Although available at most 4 and 5 star hotels, use of air-conditioning abroad differs greatly from the United States. Air-conditioning is often shut down at night and from the end until the start of the summer months. All hotel rates are based on Bono Tours & Safaris' agreements with its suppliers and are not negotiable. Hotel check-in time is generally not before 4:00 p.m. and check-out time is prior to noon. Please be sure that adequate arrangements for accommodations have been taken into consideration when a late night flight is being used. If a day room is included in the itinerary, check-out will normally be 6:00 p.m. We reserve the right to make substitutions with hotels of equal standard. There will be no refunds for any difference in the cost of those accommodations.
Meals: As specified in each itinerary. Meals are based on the hotel's or restaurant's buffet or set menu. In general, beverages are not included, unless specifically stated. Although iZania LLC cannot make guarantees, every effort will be made to honor special dietary requests submitted in writing at least 72 hours prior to departure to firstname.lastname@example.com .
Transfers: Transfers are provided as indicated for each tour by car, minibus, or motor coach provided airfare is purchased from iZania LLC. If you purchase a land-only tour, or if you deviate from the arrival and/or departure dates as stated in the itinerary, you will have the option to add transfer services to your reservation. Your arrival transfer is guaranteed for up to one hour from your scheduled arrival time in order to compensate for minor delays. iZania LLC or the transfer company will not be responsible for flight delays, for any reason, beyond one hour from your originally scheduled arrival time. In case of a delay, whether due to flight delay, immigration and customs, or time spent reporting baggage damage or loss, it will be your responsibility to make other transfer arrangements such as a taxi. Transfer costs are not refundable and any additional expenses will be your responsibility. The cost of a transfer is more expensive than hiring a taxi, as an iZania LLC transfer necessarily includes round trip service, or 'dead-leg', meaning that our driver must come to the airport, hotel or pier only to pick you up and necessarily loses a one-way fare. Often the places of call (airports, seaports, hotels) demand entrance and parking fees, where drivers may have to wait for up to an hour. iZania LLC transfer drivers are reliable and work year-round for Bono Tours and Safaris. They ensure that you receive a full welcome service, transfer you to the correct location and are prepared to answer your questions along your ride. Passengers comfortable hiring a taxi on their own and do not require assistance will save money.
Sightseeing & Itinerary: Tours will be operated by motor-vehicle, its size dictated by the number of participants. Bono Tours and Safaris tours have been designed to accommodate individuals as well as groups. Times listed in itineraries are approximate and meant only as guidelines. Some itineraries may have early morning start times for sightseeing in order to complete the touring during daylight hours or avoid afternoon heat in tropical and desert climates. It is your responsibility to arrive on time for all scheduled flights, cruises, and package components. Arriving late may be considered a "no-show", in which case you will not be eligible for refund for the unused service(s). We cannot guarantee the number of passengers who will be on any given tour. You may find that you are traveling with a sizeable group or only with your own companions. Services, however, will remain constant no matter the number of tour participants. Persons requiring any assistance or who have any form of disability should refer to section "Travelers With Disabilities". On dates including, but not limited to religious holidays and national celebrations, some monuments and sites may be closed. On these occasions, touring itineraries may be amended to reflect these closures. Occasionally, during holidays and certain periods, and/or due to unforeseen circumstances including weather conditions there may be last-minute changes, sometimes after arrival, in affecting the sequence of the tour, locations visited and/or hotels. Therefore, we reserve the right to adjust the sequence and/or substitute any hotels with others of similar category. In such cases there will be no cost adjustment. National monuments and tourist sites regularly undergo renovations, which can obscure the monument's view. No tour will be canceled due to renovations, however Bono Tours & Safaris will decide based on the conditions whether to amend an itinerary. Bono Tours & Safaris itineraries may contain suggestions for activities for your leisure time; these suggestions do not constitute a recommendation nor an endorsement of any specific service provider and the decision to participate in any such activities should be made independently and with due consideration. iZania LLC is not responsible for any activities not expressly included in its programs.
Emergency Hotline Contact:
In the event of an emergency, please contact the 24 Hour Service Center:
- From domestic destinations in the USA – 614-855-4428
- From international destinations -- 01 614-855-4428
The information and data contained in this website (www.iZania.com) was obtained from sources believed to be reliable, but accuracy is not guaranteed.
The information and data contained on this website is provided for general informational purposes, as a useful convenience for the clients of iZania Travel Services. The informational materials are not a substitute for procuring professional guidance from iZania Travel Services. Contact iZania Travel Services for thorough and up to date information.
iZania Travel Services specifically disclaims any liability, whether based in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to or use of the website or travel connected with arrangements made by iZania Travel Services, including liability in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, including interruptions in communications.
Our past travelers have said kind things about our tours. Below are just a few testimonials for you to hear what people think about traveling to South Africa with iZania Travel Services.
AWESOME experience! I DEFINITELY feel I received my money's worth and MUCH more! I have no words strong enough to express the gratitude to iZania (Roger & Joyce Madison) and Bono Tours (Robert) for providing such a wonderful experience!! THANK YOU!! I look forward to traveling with you again...soon!Jennifer B. - Atlanta, GA
South Africa is so much more than what I thought it was. I could not fathom how beautiful this place is.Lenora W. - Shreveport, LA
This is a dream come true. If I am dreaming, please don't wake me! I will highly recommend this tour to everyone I know! Thanks for hosting the trip of a lifetime!Jackie S. - Kathleen, GA
OMG! YOU ARE THE BEST!!!! THANK YOU SO MUCH...I REALLY APPRECIATE YOU!!! You are a Class Act! Your professionalism and customer services is remarkable!Layla A. - Los Angeles, CA
Thanks Again!
What a great trip. What a great time. I appreciate what you and wife have put together.Andrew W. - Shreveport, LA
Excellent tour. I would recommend it to my friends.Val W. - Virginia Beach, VA
This is my dream trip. I am having a wonderful time.Pat F. - Columbus, OH
DAY 1: Depart from the USA
DAY 2: Arrive in Johannesburg
Overnight: Johannesburg, Holiday Inn Rosebank
Meals: Breakfast
DAY 3: Soweto Tour and Shopping at Mandela Square
Overnight: Johannesburg, Holiday Inn Rosebank
Meals: Breakfast
DAY 4: Pilanesburg Game Reserve, Lesedi Village
We will end the day at Lesedi Cultural Village: Lesedi is a Basotho word meaning Place of light. This is a multi-cultural village and a home of 5 African Tribes i.e. Basotho, Zulu, Pedi, Xhosa and Ndebele. The tour includes a visit to each homestead, audio-visual presentation, traditional dancing and dinner buffet of the finest African cuisine.
Overnight: Johannesburg, Holiday Inn Rosebank
Meals: Breakfast
DAY 5: Cape Town
Overnight: Peninsula Suite Hotel
Meals: Breakfast
DAY 6: Cape Town, Table Mountain, Wine Estates, Cape Town Jazz Festival
Overnight: Peninsula Suite Hotel
Meals: Breakfast
DAY 7: Tour of Robben Island, Shopping at V&A Waterfront, Cape Town Jazz Festival
End the day at Day Two of the Cape Town Jazz Festival.
Overnight: Peninsula Suite Hotel
Meals: Breakfast
DAY 8: Depart for USA
Meals: Breakfast


text:
What do infamous geeks Wil Wheaton, Felicia Day, John Green, and Hank Green all have in common? They all are part of brand-spankin' new channels on YouTube!
Geek & Sundry features different shows every day. The Flog, hosted by Felicia Day, is her vlog. It's very well done, and it's Felicia Day, so how can you go wrong? TableTop is a half-hour show hosted by Wil Wheaton where he invites several interesting guests to play a board game in every episode.
There are also Dark Horse Motion Comics, Sword and Laser, and Written by a Kid on the Geek & Sundry channel. Personally I am looking forward to Written by a Kid, as Melissa Wiley previously shared - it'll tug your heart strings!
The Green brothers are normally fairly silly but have new shows called *SciShow (*hosted by Hank Green and covering science news and topics) and Crash Course (John Green teaching world history and Hank teaching biology) which are educational. We aren't talking Kindergarden class educational either. It's interesting enough for little kids, but big kids (and big kids-at-heart) will learn from it, too.
You can subscribe to Geek & Sundry, SciShow, and Crash Course on YouTube. While you are at it, please subscribe to GeekMom's video channel. We like geeky videos and vlogs as much as the next tech-comedian-gamer-student...person. If you are taking part in our – video challenge or want to see the Easter Rube Goldberg machine then while you are there, subscribe to see when we share another video with you!


text:
Google's Motorola Mobility will debut a new LTE smartphone with an edge-to-edge screen next week, according to reports.
Motorola Mobility scheduled a Sept. 5 press conference with Verizon and the phone is rumored to be the star of the show, Bloomberg News reported. The new Android phone was confirmed by an unnamed source.
The edge-to-edge screen means just that -- the screen takes up the entire front of the smartphone -- and will likely be attractive to those who like to game or watch videos on their phones. Neither Verizon nor Motorola Mobility commented on the report. The new phone will also be on Verizon's LTE, or long-term evolution, technology which offers faster network speeds.
U.S. & World
The next few weeks will be a busy one in mobile. Also on Sept. 5, Microsoft is expected to show off its first Windows 8 phones and Apple is rumored to be showing off its new iPhone on Sept. 12. So it's not a real surprise that Google's Android had to make some kind of announcement too. Android needs some press and photos splashed around the Internet as well.


text:
Welcome to the Church of Scientology Celebrity Centre International
Scientology exists to provide help — help for all people — at every strata of life, of every disability or ability and across all ethnic and religious boundaries. Borne out of this desire to help are the many social betterment activities Scientology supports. (continued »)
Introduction to the Scientology Religion
The word Scientology literally means "the study of truth." It comes from the Latin word "scio" meaning "knowing in the fullest sense of the word" and the Greek word "logos" meaning "study of." Scientology is the study and handling of the spirit in relationship to itself, others and all of life. The religion comprises a body of... (continued »)


text:
Made Perfect Forever
The Protestant Reformers rightly called the Roman Catholic Mass an abomination because in it Christ is sacrificed again. But, as we have seen, the apostolic witness is that Christ died once-for-all. There is nothing left to be done. The full ...Read More
An Unstained Priest
If we had to fulfill the requirements of God ourselves, we would never make it. Only because we can be counted righteous through faith in Christ do we have any hope of avoiding the punishment for our sin. Are you ...Read More
Saved to the Uttermost
Without the intercession of Christ we have no hope. But if Christ intercedes for you, you can be assured that He will complete your salvation. Hebrews 7:25 tells us that Christ only intercedes for those who draw near to God ...Read More
A Permanent Priesthood
With the temple still standing in Jerusalem, it was hard for the original audience of Hebrews to believe that Christ brought its necessity to an end. But truth does not depend on whether something is easy to believe or not. ...Read More
A Better Covenant
God's oath, a condescension to us, guarantees the superiority of the new covenant. God has sworn that this covenant will never be superseded. There is nothing that will ever make Him change that. Reflect on your status as a member ...Read More
Not Without an Oath
God has sworn that Christ will most certainly be High Priest forever. His covenant will never pass away. We never have to fear if we trust in Christ alone because He will make us holy and He will vindicate us ...Read More
A Better Hope
The "better hope" of the new covenant demonstrates that there was hope under the old covenant. However, the old covenant hope is only shadowy, while the new covenant hope is substantial. Thank God that He has always given hope to ...Read More
A Priest Forever
If you are a Christian, God has imputed the righteousness of Christ to you. Thus, you are part of the kingdom of God. One day, righteousness will be not only a declared reality, but, when we are glorified, we will ...Read More
A Priest from Judah
We serve Christ as the sovereign King seated at the right hand of the Father. But this sovereign King also serves as High Priest, interceding on our behalf. The kings of this world would never express such concerns for their ...Read More
A Change in the Law
God's righteous requirements are found in the Law. But this Law was given all the while knowing that man could never fulfill it on his own. The Law points us to Christ who alone could perform all that the Law ...Read More


text:
When Stephanie Pinckney saw flames illuminating the bedroom window of her Berkshire Road neighbor's house just before 11:30 p.m. Wednesday, her first thought was to get some water on the fire.
When Stephanie Pinckney saw flames illuminating the bedroom window of her Berkshire Road neighbor's house just before 11:30 p.m. Wednesday, her first thought was to get some water on the fire.
"I grabbed a toy, broke out the window, stuck the (garden) hose in and turned on the water," the 39-year-old said Thursday morning. "Everybody was already out of the house, except for Mr. Jimmy."
Homeowner Jimmy Reaves, 74, was able to escape the flames and was uninjured, along with the rest of his family, except for some breathing difficulties caused by smoke inhalation, Daytona Beach Fire Department spokesman Lt. Larry Stoney said in a midnight news release. The house, however, suffered an estimated $20,000 worth of damage, Stoney said.
"I was trying to contain the fire as much as I could," Reaves said Thursday afternoon of why he was the last out of the house at 955 Berkshire Road.
It is believed the fire, which was confined to a bedroom, was started by Reaves' 8-year-old granddaughter Zaniyah Hooper, who was in the bedroom playing with a lighter, the release said. The lighter ignited the mattress and the little girl left the room to alert her grandparents the room was on fire, the release indicated.
"I was just going to work," Pinckney said of when she saw the fire. "It looked like the whole side of the wall was nothing but flames."
She said she sprayed water from the hose on the flames until police and fire officials arrived and an officer told her to step back.
Pinckney said the youngster was shaken up but she hoped the little girl didn't blame herself for the mishap.
Reaves' son Roderick Reaves said the Red Cross put the home's four occupants up for the evening in a local motel and his father has insurance so the family should be OK.
"I want to thank all our friends for all their help," Roderick Reaves said Thursday morning.
Pinckey joined Roderick Reaves in saying neighbors came out to assist the family Wednesday night and were expected to help with Thursday's cleanup efforts.
Reaves' daughter Terry McQueen said her father, who suffers from COPD and is required to use oxygen, was rattled by the incident but she expects him to be all right.
Reaves appeared to take the mishap in stride and confident everything would turn out OK.
"It's just part of life," he said.
Fire officials said Wednesday's blaze is a reminder to all about the danger of leaving smoking paraphernalia and lighters in reach of children and not to smoke near or around mattresses.


text:
Do the math.
Is this the most spectacular supercar value ever?
On a hundreds of horsepower-per-dollar basis, nothing can touch it.
And it's more - much more - than simply stuffing a 6.2 litre supercharged V8 under the hood.
Although as we know from the Corvette ZR1 and Cadillac CTS-V, that's not a bad way to start.
And, it's built in Oshawa.
Full details in next weekend's Wheels, and on wheels.ca.
BTW, maybe it's just me and my diseased mind, but to me, the Camaro's taillights always look like the logo for those 'Underalls'...


text:
Two celebrated stage works about marriages in crisis by Tom Stoppard and Donald Margulies are heading to Broadway.
The Roundabout Theatre Company said Monday that Margulies' Pulitzer Prize-winning play "Dinner with Friends" will be part of its 2013-2014 theatrical season, as will a revival of Tom Stoppard's Tony Award winning play "The Real Thing."
Margulies' play, an unsettling drama about how the breakup of one couple affects another, will be directed by Tony Award nominee Pam MacKinnon.
Stoppard's play, which debuted on Broadway in 1983 and was revived in 2000, examines how art imitates life. The revival will be directed by Sam Gold.
Casting, dates and theaters will be announced later.


text:
Weekly Auctions of Exceptional Items
- TimeLine Auctions - Antiquities, Part 2
DoneFri, May 30, 2014 4:30 AM EDT
London, UK
TimeLine Auctions - Antiquities, Part 2
TimeLine Auctions - Near Eastern, Chinese & Far Eastern, India & Region, Islamic, Christian, Arms & Armour, Stone Age, Bronze Age, Celtic Iron Age, Medieval, Post Medieval, Pre-Columbian and Geological Antiquities (Day 2)
Auction Details
Est. £5,000-£8,000
Est. £2,000-£3,000
Est. £400-£600
Est. £12,000-£18,000
Est. £1,200-£1,800
Est. £150-£200
Auction Information
Bid Increments
PriceBid Increment
Viewing Wednesday 28 May 1 pm to 6 pm Thursday 29 May 9 am to 9:30am Friday 30 May 9 am to 9:30am
The Swedenborg Hall
20-21 Bloomsbury Way
London, WC1A 2TH
Buyer's Premium
- 24%
Terms & Conditions
Terms & Conditions General TimeLine Auctions Ltd acts as agent for the seller only. The sale shall be conducted by the Auctioneer nominated by TimeLine Auctions Ltd. The Auctioneer shall have sole discretion as to the conduct of any sale and his decision shall be final in all matters. TimeLine Auctions Ltd reserve the right to refuse entry, decline bids or to expel any person from any sale, at their sole discretion. Catalogue Protocols: Dating: In the printed catalogue and on the TimeLine Auctions Ltd website, a variety of expressions may be used to describe an opinion of the date(s) of origin attributed to lots offered at auction. An unqualified statement e.g. ?6th century AD? means that in our opinion the lot dates from the 6th century AD. The phrase ?Probably 6th century AD? means that in our opinion the lot dates from the 6th century AD but it is possible that it may be dated differently. The phrase ?Possibly 6th century AD? means that in our opinion the lot may date to the 6th century AD but there is a strong element of uncertainty in this attribution. The terms 'Archaistic', ?After the Antique?, ?Style? or 'Undated' mean that the lot may be of recent origin, replicating an ancient style or design for decorative purposes; such lots are offered strictly 'as seen' and will not be accepted for return under any circumstances. Except when otherwise specified, when no date is offered, the lot may be of mixed dates (e.g. Iron Age, Roman and Medieval items offered together in a single lot) or in our opinion the lot may be of recent origin. Condition: expressions and wording relating to the condition are used to briefly describe our opinions of the lots and will not fully list minor blemishes, small repairs or slight restorations. Bidders are strongly advised to view all lots and to fully satsify themselves before bidding. Sellers All Goods submitted to TimeLine Auctions Ltd for sale by public auction will be lotted and catalogued at the discretion of TimeLine Auctions Ltd. Sellers should note that, for printed catalogue sales, antiquities with a lower estimate £200 or less and coins with a lower estimate of £100 or less will not normally be illustrated in the printed catalogue. Selling Commission: Standard Rate is 18% of the Hammer Price Inclusive. Special Commission Rates may be applied for individual items of significant value or for collections, at the sole discretion of TimeLine Auctions Ltd. Storage Charges: Daily or such other charges for storage of Goods submitted for public auction may be levied, at the discretion of TimeLine Auctions Ltd. Such charges may include for collection of Goods from the Seller?s home/premises, if appropriate. Loss and Damage Insurance: This is charged at 1.5% of the Lot?s hammer price, if sold; if unsold, 1.5% of the low estimate. Unless otherwise agreed in writing between you and us, we accept responsibility to you, through our commercial insurance policy, for any damage to or loss or destruction of the Lot. This applies for the time that the Lot is in our custody, howsoever caused (but excluding damage, loss or destruction caused directly or indirectly by terrorism, war or natural disaster), providing that you pay the Loss and Damage Insurance fee described above in consideration for us accepting such responsibility. Claims will be limited to the amount of any reserve or to the Hammer Price (if sold), less any selling commission (sold or unsold as applicable) and other costs deductable. Other Charges: Special charges for any unusual research, special imaging, testing, consultation with external specialists, conservation, cleaning or other services in connection with any aspect that is considered necessary for the proper presentation of any Goods offered for sale will be levied at the discretion of TimeLine Auctions Ltd but the need for such services and costs will be advised in advance. Value Added Tax: Where applicable, Value Added Tax at the prevailing rate(s) will be applied to all of the Selling Commission and other Charges due from the Seller, on an inclusive basis. Sellers resident outside of the United Kingdom or European Union should note that Import VAT may be payable at the time of importation to the United Kingdom on a valuation basis, with adjustment made after the auction, based upon the final Hammer Price(s). Reserves: The Seller may set a Reserve Price, being the Minimum Hammer Price that the Goods may be sold for, at the discretion of TimeLine Auctions Ltd. At the Auctioneer's discretion, Lots may be sold for one bid increment below the Reserve Price. Estimates: The setting of Estimates shall be at the discretion of TimeLine Auctions Ltd and the amount of any Estimate shall not be taken as being indicative of the true Value of any Goods. Unsold Lots: In the event of any Lot being Unsold, no Selling Commission shall be payable unless that Lot is subject to a Reserve when a Selling Commission Rate of 6% of the Reserve sum, inclusive of VAT, shall be payable. Charges for Storage, Insurance, or Other Services may be payable in all instances, at the discretion of TimeLine Auctions Ltd. Sellers are responsible for insuring any Lots that remain Unsold, from the time the Hammer falls and must make arrangements for collection of the Unsold Goods immediately after the auction ends. Additional costs for delivery of Unsold Goods to the Seller may be applied, at the discretion of TimeLine Auctions Ltd. Withdrawn Lots: In the event that a Seller withdraws any lot after the catalogue has gone to print, an 'unsold fee' of 6%, inclusive, of the low estimate or reserve sum (whichever is higher) will always be payable. TimeLine Auctions Ltd reserves the right to withdraw any item from sale at any time if any question arises as to authenticity, ownership or any other matter that might impede a successful sale (in which circumstance no 'unsold fee' shall be payable). Void Sales: In the event of any dispute, TimeLine Auctions Ltd shall hold the sale Void pending resolution and no monies shall be paid over until the dispute is finalised. The Seller shall be liable for the return of any monies paid over by TimeLine Auctions in the event of a dispute raised by the Buyer being upheld. Payments: Pyaments to Sellers will normally be made within 30 days of the date of the sale, subject to payment having been received from the Buyer(s) and subject to no dispute having been notified by any Buyer(s). Payments are made by cheque in pounds sterling, sent to the Seller's registered address by Royal Mail. Where overseas payments are made by bank transfer, bank charges of £15.00 will be deducted. Acceptance of Selling Terms: By submitting any Goods for sale by auction, the Seller is deemed to accept all of the Terms and Conditions of Sale and to warrant that he/she is the legal and beneficial owner of all of the Goods. The Seller agrees to fully indemnify TimeLine Auctions Ltd against any claims. Buyers/Bidders Caveat Emptor: The Buyer must fully satisfy himself as to the description, genuineness, condition, provenance or value of any Lot(s) prior to the sale and shall not rely upon the Catalogue, images or upon any statement made by TimeLine Auctions Ltd regarding any Lot. TimeLine Auctions Ltd act solely as agent for the Seller and all matters pertaining to the sale of any Lot are matters between the Seller and Buyer. Lots including the terms 'Archaistic', ?After the Antique?, ?Style? or 'Undated' mean that the lot may be of recent origin, replicating an ancient style or design for decorative purposes; such lots are offered strictly 'as seen' and will not be accepted for return under any circumstances. Estimate Guide Prices and Reserves Estimate ranges are provided for general information only and are given in Pounds Sterling (£), with approximate equivalents in Euros and US Dollars. Hammer prices realised may fall outside the ranges indicated. The low estimate is normally the Vendor's reserve. Lots to be sold without Reserve are so noted. Bidder Registration: All persons intending to bid at any auction, whether in person or by Absentee Bid, shall Register their personal details with TimeLine Auctions Ltd prior to bidding. Buyers may be asked to provide an acceptable form of proof of identity and proof of address. TimeLine Auctions Ltd reserves the absolute right to refuse to register any Bidder or to refuse any Bid at their sole discretion and without stating any reason. Bidders may register in advance of the date of any auction or on the day of the sale. Agents: All bidders shall be deemed to be acting as principal in their bidding and shall be personally accountable for all bid amounts, premiums, and any other costs. Should any bidder wish to appoint an agent to bid on their behalf, this must be authorised by TimeLine Auctions Ltd in advance of the sale and a deposit may be required. Any such arrangements shall be subject to normal registration requirements in addition. Bidder Numbers: All Bidders attending the Sale will be allocated a Bidder Number which must be shown to the Auctioneer at the time of bidding and when the Hammer falls. Buyers are at all times responsible for their Bidder Number Paddle. Absentee Bids: Although it is best for Bidders to attend the sale and to make their Bids in person, at the request of a Registered Bidder, TimeLine Auctions Ltd will exercise bids on behalf of any Bidder who is unable to attend the Sale. Instructions to Bid must be in writing and stipulate the Lot Number(s) and Maximum amount of the Bid(s). Bids to ?buy? will not be accepted. The Auctioneer will execute Absentee Bids at his/her discretion depending upon competing bids from the floor or elsewhere. In the event that two or more Absentee Bids of the same amount are received, then the one first received will have priority. All Bids will be made at the lowest level possible. There is no charge for this Service but Timeline Auctions Ltd will accept no liability for errors or for failing to make any Bid. All Absentee bids must be received by no later than the time stipulated before the sale, and their receipt be acknowledged by TimeLine Auctions Ltd. Internet Bidding: Live on-line bidding arrangements are available. Prospective bidders must register with the service provider directly before the sale. A separate charge is payable for this facility. TimeLine Auctions Ltd shall not be responsible for any technical or other failure that might result in bids not being received. Telephone Bidding: For Lots with a minimum estimate value above £400, telephone bidding arrangements may be available to serious bidders only, at the discretion of TimeLine Auctions Ltd and subject to prior arrangement. Telephone facilities are limited and prospective bidders who wish to use this service are strongly advised to confirm the arragement well in advance of the sale. In no case will telephone facilities be granted within twenty-four hours of the start time of the Sale. It is an absolute condition for provision of telephone bidding facilities that the bidder agrees that a bid at the low estimate figure will be executed irrespective of whether a telephone call is successfully placed during the Sale. Telephone bidders are required to give a minimum of twenty-four hours notice prior to the start time of any Sale to cancel their arrangement or a bid will be executed on their behalf at the low estimate. TimeLine Auctions Ltd shall not be responsible for any technical or other failures that might result in bids not being received. Conduct of the Sale: The Auctioneer shall conduct the sale entirely at his discretion for all matters and his decision shall be final and binding on all participants at the sale. The Auctioneer may execute Bids on behalf of absent Bidders or on behalf of Vendors up to the amount of any Reserve. Bidding shall be in Pounds Sterling (£) only, at the discretion of the Auctioneer but shall generally be in increments as set out below: From £0 to £100 - in increments of £5-£10 From £100 to £500 - in increments £20 From £500 to £1,000 - in increments of £50-£100 From £1,000 to £5,000 - in increments of £200 From £5,000 - in minimum increments of £500 or at Auctioneer's discretion Buyer?s Premium: The Buyer shall pay the Buyer?s Premium in addition to the Hammer Price on all lots purchased. The Buyer?s Premium Rate shall be 21% Inclusive. Liability for Goods: The Buyer is fully responsible for all Goods purchased, from the time the Hammer falls and must make their own provision for full insurance cover, including while in transit or storage. TimeLine Auctions Ltd does not insure goods after the hammer falls or while being shipped and the Buyer must make arrangements for cover for loss or damage howsoever caused. Any Goods not collected from the Sale venue on the day of Sale will be removed by TimeLine Auctions Ltd to a place of storage, at their discretion. Storage Charges may become payable for uncollected Goods. Unless noted in the Catalogue as being for 'collection only', shipping costs may be quoted and must be paid, together with all sums due, before Goods will be released. Collection of Goods: For printed catalogue sales, most Lots will be present at the Sale venue and may be collected immediately after the Hammer falls, on full payment being made. Certain Lots, by virtue of size or other difficulty, may not be present at the Sale venue and any Buyer will be required to make prompt arrangements for collection from a storage location designated by TimeLine Auctions Ltd. For eAuctions and for those not attending printed catalogue sales, shipping can be arranged through Mail Boxes Etc a specialist company and details are given on invoices. Shipping costs are in no cirumstances refundable. Shipping Insurance: On occasions where TimeLine Auctions Ltd directly arranges shipping and by prior arrangement we are able to offer shipping insurance for purchased lots, through our commercial insurance policy, at a fee of 6% of the full invoice amount (minimum charge £10.00) inclusive, with a fixed excess of £200. In all other cases, responsibility for insuring purchases in transit rests solely with the Buyer. Storage: Buyers should note that all lots are moved into storage seven days after the issue of invoices for any sale and TimeLine Auctions Ltd reserves the right to make an initial transfer charge of £12.00 inclusive per lot with a storage charge of £3.60 inclusive per day per lot stored. Invoices: Invoices will be issued at the Sale venue or, for those not attending, shortly afterwards. Payment in full is required and funds must be fully cleared before any Goods may be collected or shipped. Payment: All payments are to be made in Pounds Sterling (£) and become due at the time the Hammer falls. Settlement of Invoices is required within 7 days of the date of the Sale. Interest, at 5% above the prevailing Lloyds TSB bank base rate, will be payable for late payment. TimeLine Auctions Ltd will accept payment by any of the following methods: Cash in Pounds Sterling ? up to a maximum of £7,000 at any one Sale. Pounds Sterling (£) Cheque on UK bank ? Goods will only be released upon clearance. Bank Transfer - to any amount - £10 bank charges must be added to invoice total. Debit Card ? to any amount - no additonal charge. Credit Card ? to any amount ? a 3% administrative fee will be applied on the total balance. If payment is made by debit/credit card, then goods may ONLY be sent to the person and address registered to that card. Charge cards (such as American Express), Paypal and similar systems, drafts, counter cheques, cheques drawn on foreign banks or in currencies other than Pounds Sterling will not be accepted. Overseas Import Regulations: Regulations, import tariffs, taxes, restrictions or other matters of the country where the Buyer resides are the sole responsibility of the Buyer. Buyers resident in the USA should note that restrictions on importation of cultural goods are in force for items originating from the modern geographical areas of China, Cyprus, Greece, Italy, Cambodia/Vietnam, Afghanistan, Iraq/Iran and South America. This list is not intended to be complete and other restrictions may apply or residents of other countries may be affected. Residents in Canada should note that items transiting through the USA are similarly restricted. The buyer is solely responsible for compliance with import criteria and TimeLine Auctions Ltd will not be responsible for any delays or other action arising from any Customs Import procedures. Buyers must note that all provenance/origin information held by TimeLine Auctions Ltd is provided by the Seller, is given fully in the Catalogue and that no additional information will be available. Value Added Tax: Where indicated by * in the catalogue, Import VAT will be payable on the Hammer Price. Where indicated by ? in the Catalogue, VAT will be payable at 20% on the Hammer Price. Disputes: In the event of any dispute, the Buyer must notify TimeLine Auctions Ltd immediately, but in no case later than fourteen days after the date of the Sale, in writing and stipulating fully the ground for such dispute. During the progress of any dispute, Timeline Auctions Ltd shall hold any and all monies paid by the Buyer until such time as the matter is finalised. In cases where deliberate forgery is alleged, any such claim shall be subject to review by TimeLine Auctions Ltd who may consult such experts as they deem appropriate. The responsibility for proof of forgery shall rest with the Buyer but disagreement between experts or the inability of an expert to express a definite opinion shall not be sufficient grounds. All disputes shall be resolved in accordance with English law. No claim will be considered unless the item is first returned to TimeLine Auctions Ltd in the same condition as at the time of sale. Shipping costs are in no circumstance refundable. Any refund is limited to the original Hammer Price of the Lot(s) concerned plus Buyer?s Premium only and shipping costs are not refundable. Under our Terms and Conditions, TimeLine Auctions Ltd will not be liable for any loss of business, business profits, revenue or income or for loss of business reputation or for disruption to business or wasted time on the part of the buyer, their management or staff or, if you are buying items in the course of a business, for any indirect losses or consequential losses or claims of any kind, irrespective of the nature, amount or source of the loss or damage alleged to be suffered, and irrespective of whether the said loss or damage is caused by or claimed in respect of any negligence, other tort, breach of contract, statutory duty, bailee?s duty, restitutionary claim or otherwise. Acceptance of Buying/Bidding Terms: Any person bidding at any sale is deemed to have read and accepted these Terms in full and undertakes to fully indemnify TimeLine Auctions Ltd against any claims.
Popular Searches
Artists & Creators
© 2002-2020 LiveAuctioneers. All Rights Reserved.Cookie PolicyTerms & ConditionsPrivacy Policy
This site is protected by reCAPTCHA and the Google Terms of Service and Privacy Policy apply.


text:
Former big leaguer Freel dead at 36
Freel, 36, was discovered dead on Saturday in Jacksonville with what appeared to be a self-inflicted gunshot wound, police told the newspaper.
"The Reds family is deeply saddened to hear of the death of Ryan Freel," the team said in a statement. "His teammates and our fans loved him for how hard he played the game, and he loved giving back to the community. Our thoughts and prayers are with his family and friends."
An eight-year Major League veteran from 2001-09, Freel spent the bulk of his career with the Reds from 2003-08 and rose to become an everyday player and fan favorite for his gritty play and hustle.
"He was a guy who was always all in, the way he tried very hard and hustled like he did," Freel's former agent, Tommy Tanzer, said. "He played all out and he lived that way too."
A .268 hitter with 143 stolen bases in 594 career games, Freel broke out of the utility role and became a regular in 2006 while playing 132 games, mostly in center field.
Reds second baseman Brandon Phillips tweeted a picture of Freel on Saturday with the words "Rest in Peace" written on it.
"Really hurt by his passing," Phillips wrote on his Twitter feed, datdudebp. "You never will be forgotten."
Injuries were often a byproduct of Freel's all-out style of play and he missed numerous games his last two seasons in Cincinnati. He was limited to 75 games in 2007 and only 48 games in 2008.
In December 2008, the Reds dealt Freel to the Orioles in a four-player trade that brought Ramon Hernandez to Cincinnati.
Freel bounced around multiple organizations, including the Cubs and Royals, before retiring during the 2010 season.
Since retirement, Freel was reportedly living and working in the Jacksonville area with an organization called Big League Development, coaching local players. Freel also participated in the Reds fantasy camp in 2011.
Sean Casey, a former teammate of Freel's in Cincinnati, tweeted about Freel's death on his Twitter feed, @TheMayorsOffice.
"RIP Ryan Freel!!," Casey wrote. "Great teammate, great guy, n loved his family! Such a sad day today with his passing! Awful news! Prayers are with his family! "


text:
Frequently Asked Questions
Where can I use funds from the Webb Cash Account?
On campus dining locations, vending machines, Campus Shop, Campus Post Office, and the Student Accounts Office. Other possible locations in the future might be campus copy machines, Student Computer Services, Print Services, and Campus Recreation Center.
What other features are available?
The Webb Card allows students access to their specific Residence Halls on campus, as well as access to athletic, cultural and other events, material and book checkout in Dover Library and access to the Suttle Wellness Center.
Do all vending machines have card readers installed?
Most vending (drink and snack) machines have card readers.
Do the vending machines accept coin and bills?
The vending machines accept both coins and bills.
How much does it cost to get my new Webb Card?
The first card is free.
What do I do if I have lost my Webb Card?
Always report a missing card to the GWU Student Accounts Office at (704)406-4287 or University Police at (704)406-4444 as soon as you are aware that your card has been lost and/or stolen. Nights and weekends you can suspend activity on your Webb Card by visiting the website at https://gardnerwebb.managemyid.com/student/login.php. The next day visit the University Police Office during office hours to receive a replacement card.
Where can I make deposits to my Webb Cash account?
Credit Card (Visa, MasterCard, or Discover) deposits can be made using the web at https://gardnerwebb.managemyid.com/student/login.php. You can also make deposits using cash, check, and credit cards at the GWU Student Accounts Office (Dover Campus Center) in person, by mail (no cash), or by credit card over the phone. You can check your current Webb Cash account balance using the website noted above.
Can I withdraw funds from my Webb Cash account?
The only time funds can be withdrawn from the Webb Cash account is when a student officially withdraws or graduates from Gardner-Webb University. At that time, any balance of $5 or greater will be refunded by check.
How much does it cost to replace a lost, stolen or damaged Webb Card?
There is a $25 replacement fee for lost or stolen cards. There is a $5 replacement fee for damaged cards. A portion of the damaged card must be submitted for it to be considered damaged.
Who do I contact with questions or problems?
The GWU Student Accounts Office in Dover Campus Center at (704)406-4287


text:
I've grown disappointed with philosophers on the subject of free will. The great philosophers of the past knew nothing about the brain. Modern philosophers contradict each other. What I've been trying to do is to stick with the knowledge we have and avoid philosophical entanglements and conjecture as much as possible. However, certain philosophical conundrums must be addressed, such as: (1) the false dichotomy of free will versus causality; (2) mind-brain dualism; and (3) deliberation versus illusion of choice. Perhaps the greatest obstacle is unlearning the impossible notions of what, exactly, free will is. I claim that we don't have free will. We have limited choice, intent and purpose constrained by the influence of causality. I call this, "self-determinism". There's a lot of overlap with these issues, which makes it hard to lay out a clear and concise argument. But I'll try . . .
(1) The False Dichotomy of Free Will Versus Causality:
The assertion that free will MUST violate causality is simply false. The underlying assumption is that cause and effect is inexorably interwoven into all events and thus all events are inevitable: including our thoughts and actions. The conclusion is that, if causality determines all events free will is an illusion.
If you define free will to mean doing anything, at any time, within the physical and mental constraints of human ability . . . well then, yes, free will is an illusion. Causality burdens us with a genetic "endowment" that defines our individual biological limits. Beyond that, causality also accrues within us the conceptual limits of experience. We can't act beyond our physical and mental limits, so a completely libertine notion of free will is impossible and must be discarded.
So if causality limits us physically and mentally, what's to stop it from limiting us completely?
Intelligent interaction with causality. That's what. We don't just react to causality; we interact with it. We take advantage of the key properties of causality -- unidirectional sequence and repeatable predictability -- to innately understand, anticipate and use causality for our own purposes. We can do this because of 2 key properties of our intelligence: memory and imagination. We learn from the past to imagine a future of our own choosing. Then, with clear intent and purpose, we pursue our plans. The successful execution of our plans is empirical proof of our intent and purpose and our ability to interact intelligently with causality.
(2) Mind-Brain Dualism:
The mind can not be separated from the brain. It is a product of the brain. Any assertion that the mind is some sort of abstract, independent, construct is unsupportable. But the mind is also a product of the external world and of our sensory apparatus (biological sense organs). Just as the mind is inseparable from the brain, it is also inseparable from our senses and the world around us. If we never possessed any of these 3 components: brain, senses, or external world (stimuli), the mind could not exist. The mind is NOT just the brain. It's the brain interacting with the external world (causality) via our sensory apparatus.
The brain does more than merely interact with causality . . . it also remembers those interactions (events) and learns from the experiences of others. Experience is our unique memories of events in our lives. Education is learning through the experiences of others. Knowledge is the combination of experience and education. Humans demonstrate higher levels of brain function, by far, than any other known life form. Is it unreasonable to think that with more advanced functions comes more advanced abilities?
Hard (absolute) determinists refuse to acknowledge the difference between a rock and a brain. They're both just collections of atoms; or so they would have us believe. Good luck trying to understand complex phenomena, like consciousness, using such reductionist mindsets! Life is the difference between inanimate objects and animate beings. Reductionist denial doesn't change that fact . . . it can't even recognize it. Inanimate objects have a purely passive, predictable, mode of response to causality. Animate beings have an interactive, unpredictable, mode of response to causality. Inanimate objects have specific, predictable, reactions (effects) to specific events (causes). Animate beings have variable, unpredictable, reactions to specific events. Mathematically speaking, inanimate objects have a fixed set of 1 specific reaction to any event: animate beings have a variable range or scope of potential reactions to any event. To me, it is intransigent denial to equate brains to rocks.
(3) Deliberation versus Illusion of Choice:
The brain deliberates. That what it does (among other things). I think, therefore I am. We make choices all the time. But hard determinists insist that choice is an illusion: that causal factors are pulling the strings, like a puppeteer, at all times.
If we were inanimate objects, then yes, it would be pretty cut-and-dry: a fixed, predictable reaction to any specific event. But we're animate beings. More precisely, we're intelligent human beings. We have a range or scope of potential reactions to any specific event. And therein lies choice. Causality, via biology and experience, delimit the scope of our response and thus influence our decisions. Causality influences our decisions but it doesn't control them.
How do I know this? Because causality is indiscriminate; it doesn't remember; it doesn't think; it has no intent; it has no plan. Therefore, if causality absolutely controlled us (versus influenced us) we would act indiscriminately, without benefit of memory or thinking or intent or a plan. We would, like causality, act indiscriminately.
But we don't. We act with purpose. We are goal-oriented. We make elaborate plans and execute them; adjusting our plans if necessary. Clearly, choice is not an illusion. It takes choice to do what we do. The brain deliberates. That what it does.
The claim that free will (a.k.a. intent, purpose, self-determinism) contradicts or violates causality is a false dichotomy. It's not a choice of one or the other: causality or free will. There are other possibilities. Self-determinism is a compatibilist worldview which asserts that we interact with causality intelligently and that this is made possible by key properties of causality itself (unidirectional sequence and repeatable predictability) combined with key properties of human intelligence (memory and imagination). We recognize, understand, anticipate and use causality to pursue our goals and plans. This demonstrates choice: intent and purpose. Our intent and purpose is made manifest in our accomplishments and progress -- none of which can come from a causality that absolutely controls our every thought and move. Our accomplishments can only come from our intelligent interaction with causality. The limited scope of our choices might seem meager but it's enough to fly men to the moon, control rovers on Mars and probes beyond the solar system.
That's self-determinism. No mind-brain dualism. No violation of causality. No false dichotomies. No infinite regress. No philosophical conundrums. Just the natural properties of human intelligence interacting with the natural properties of causality.
Views: 192
I find all philosophising in favor of free will to just be pointless redefining of free will to something that is not free will.
@Michael Appleman,
Oh really? Then you must know what free will IS. Please illuminate us.


text:
Mimì to Mimì: Our Leading Ladies in La BohèmeBy COC StaffPosted in 18/19
This spring, the COC welcomes two fantastic casts for our production of Puccini's La Bohème. Angel Blue and Miriam Khalil, our two Mimìs, had a chance to e-interview each other just before rehearsals kicked off to talk about their approaches to the role, their opera journeys, and what's kept them going in this wonderful (but challenging!) art form.
Meet a Donor: Eric TangBy COC StaffPosted in Meet a Donor
Eric Tang and his husband James Miller are long-time President's Council members. Eric recently shared with us some of his favourite productions, what made him decide to become a COC donor, and why he thinks you'll like opera if you're big on Netflix dramas. [READ MORE]
Primer: Puccini's La BohèmeBy COC StaffPosted in 18/19
As an opera, La Bohème is both light-hearted and heartbreaking, and has drawn audiences since its premiere with its emotional score and storytelling. Here's everything you need to know! [READ MORE]


text:
El Médano truly came to life on day three of the Dunkerbeck-Eyewear Siam Park, Tenerife PWA World Cup as stronger winds and bigger waves rolled into the shores of El Cabezo, producing an action packed and amazing day of spanning almost ten hours.
Eventually, Philip Köster (Starboard / Severne / Maui Ultra Fins) put aside the disappointment of finishing fifth in Pozo to return to the top of the prestigious podium, whilst Iballa Moreno (Starboard / Severne / Maui Ultra Fins) produced a fantastic display to defeat Daida Moreno (Starboard / Severne / Maui Ultra Fins) in another epic Moreno's final.
Men's - Single Elimination
Thomas Traversa (Tabou / GA Sails) took down the current PWA World Tour leader, Victor Fernandez (Fanatic / North / MFC), in the semi-finals after a phenomenal performance. The Spaniard had earlier looked in formidable form as he accumulated the highest score of the day, 24 points, in heat 9b versus Martin ten Hoeve (Goya Windsurfing / MFC), but TT was in a world of his own as he landed double forwards and delivered some devastating wave riding to advance. The Frenchman then defeated Klaas Voget (Fanatic / Simmer / MFC) to book his place in the winners' final.
Winners' Final
Philip Köster took on Thomas Traversa in the opening winners' final of the week and the duo gave an amazing display as they enjoyed a hard fought battle. TT took the lead early on as he launched into a radical tabletop forward before quickly adding a brilliant wave to his score sheet, consisting of a vertical fluid turn straight into a smooth taka. With one solid wave in the bag, Traversa earned his best score of the heat on his very next wave, being awarded 7.5 points by the judges, to pile the pressure on Köster. The twenty year old had already landed a stunning one-footed, one-handed backloop by this point, but with no solid wave score he still had everything to do. Köster then headed upwind before hunting out a ramp, which he found, and duly launched into a trademark ankle dry double forward. However, with just four minutes to go Traversa still held a significant lead over Köster, who was still lacking two serious wave scores. The two-time world champion responded in the perfect fashion as he boosted into a sick frontside tweaked aerial, before rotating straight into a slick taka to halve the deficit. Then in true champion fashion Köster dug deep and produced another solid wave with his final chance of the heat to earn victory by just one point.
Jaeger Stone (SSD / Severne) continued his emphatic return to the competition scene as he claimed a place on the prestigious podium here in Tenerife, just as he did in 2011, by defeating Klaas Voget in the losers' final. The Australian wowed the judges time and time again today with his explosive and fluid style on the wave to consistently earn some of the highest wave scores of the day. In heat 15b, Stone, came within a fraction of point of defeating Köster but fell just short as he missed out on a place in the winners' final by 0.4 of a point.
The other major talking point today centred around heat 13b involving Klaas Voget and the reigning world champion Marcilio 'Brawzinho' Browne (Goya Windsurfing / MFC). At the start of the third round the decision was made to change the judging format from one jump and two waves to two jumps and two waves, but unfortunately the Brazilian wasn't aware of this fact. Browne had been in a commanding position after landing a double forward and racking up a couple of decent waves, but with a minute or two to go he still only held double forwards on his scorecard. However, at that point Brawzinho was still leading, but Voget turned the tie on its head with the final move of the heat, a big tweaked pushloop, to advance by 0.25 of a point leaving Browne clearly incensed on the beach.
Women's - Single Elimination
Winners' Final
Another all Moreno's winners' final ensued in Tenerife as they demolished the rest of the competition on their journey to heat sixteen. The legendary twins were both in imperious form, which made for a scintillating conclusion to the single elimination. Daida Moreno set the tone right from the word go as she rotated through an ankle dry backloop, before landing an insane tabletop forward. The twins were almost inseparable on the jumping side of things as Iballa soon landed a massive backloop and a brilliant tabletop forward of her own. In fact at the end of the heat there was only 0.25 of a point between them in terms of jumping. However, Iballa won the battle in the waves, with her best wave earning 8.375 points from the judges. On her way to victory Iballa launched into an exquisite frontside air and backed it up with a couple of vertical snaps to claim first blood in the single elimination.
Steffi Wahl (Patrik / Sailloft Hamburg) and Amanda Beenen (Tabou / GA Sails) battled it out for third and fourth place, just as they did in Pozo, but this time there was a different outcome as Beenen broke into the top three for the first time in her career. The two girls fought hard for the final place on the heralded podium, but Beenen was able to edge the duel to claim victory by under a point.
Results Men's Single Elimination
1st Philip Köster (Starboard / Severne / Maui Ultra Fins)
2nd Thomas Traversa (Tabou / GA Sails)
3rd Jaeger Stone (SSD / Severne)
4th Klaas Voget (Fanatic / Simmer / MFC)
5th Victor Fernandez (Fanatic / North / MFC)
5th Marcilio 'Brawzinho' Browne (Goya Windsurfing / MFC)
5th Dany Bruch (Starboard / Challenger / AL360)
5th Leon Jamaer (JP / NeilPryde)
Results Women's Single Elimination
1st Iballa Moreno (Starboard / Severne / Maui Ultra Fins)
2nd Daida Moreno (Starboard / Severne / Maui Ultra Fins)
3rd Amanda Beenen (Tabou / GA Sails)
4th Steffi Wahl (Patrik / Sailloft Hamburg)
Tune into www.pwaworldtour.com where you'll be able to follow the action as it happens via the PWA live stream and live ticker.
World Sailing Newsletter
World Sailing Newsletter is the weekly online newsletter of World Sailing.
It features the latest news and events from the sailing world together with features and info in an easy-to-use format.
It features the latest news and events from the sailing world together with features and info in an easy-to-use format.


text:
This black faux leather skinny waist belt for women is trendy and modern. Adding this Steve Madden belt to any outfit is a simple way to incorporate the cutout trend into your style. The stencil forms a beautiful diamond pattern and is suitable for both casual and formal events. With a thin shiny nickel belt buckle, this belt is versatile but will still pop against a pair of blue jeans.
Stencil cut-out Belts are extra fun because the buckle prong can latch to any part of the belt strap and always fit comfortably. The Faux leather is 7/8" wide made of Polyurethane. Shiny Nickel plated belt buckle.


text:
Get DVD Talk Feeds
Kevin Asch's Holy Rollers is based on the true story of a smuggling ring in which Orthodox Jews were hired as couriers to bring ecstasy into America from Amsterdam--the logic being that no customs agent would give them a second glance, much less any hassle. It would be easy to imagine the plot being played as a broad, goofy comedy, particularly considering the cutesy title they've given it. So the surprise is what a thoughtful, weighty picture Asch has made, and how skillfully he's done it; he (and screenwriter Antonio Macia) take these characters and their situation seriously, and the film is better for it.
The time is 1998, and the protagonist is Sam Gold (Jesse Eisenberg), a devout Jew who lives with his parents in Brooklyn and works in Manhattan as an assistant to his tailor father. But his family is struggling, and when his arranged marriage is dissolved due to lack of funds, he's a perfect mark for unruly Josef Zimmerman (Justin Bartha). Josef approaches him offering big money for "importing medicine from Europe"; it's only after the job is done that he finds out exactly what his cargo was. He is ashamed and repulsed at first, but slowly drawn in to the scheme--not only for the money, but for the feeling of belonging and worth that he gets from Jackie (Danny A. Abeckaser), the smooth operator who runs the business, and Jackie's sexbomb girlfriend Rachel (Ari Graynor). So he's got a good thing going--for a while.
Macia's screenplay and Asch's smooth direction are tip-top; the confined, cocooned world of these characters is laid out skillfully, with a sense that we're peeking behind a curtain, so we don't feel the plot going into motion because we're distracted (and fascinated) by the details. I can't vouch for the authenticity of its portrait of Orthodox life, but it feels authentic, like it's a story told from the inside out. The film's construction is smooth and professional--the scenes lay out cleanly, the reveals are well staggered, and the entire endeavor is paced just right.
Eisenberg has caught a bit of a bad rap over the last couple of years, unfairly pegged as Michael Cera-lite, but he shows admirable depth and range here--he's completely believable as the Hebrew-speaking young man of faith who is pulled into a life of crime with more ease than he'd have thought. Bartha, an actor who tends to fade into the background (he was the groom in The Hangover), is electrifying--he's given more edge to work with than usual, and plays it up. Abeckasar's Jackie is perhaps the film's most complex character, the no-nonsense businessman who is also tenuously hanging on to his Jewish roots, calling his mother on Shabbat and showing proper courtesy to Sam's father while simultaneously orchestrating the exploitative operation; he's quite good as well. And the charismatic Graynor (so good as the drunk, lost friend in Nick & Norah's Infinite Playlist) is terrific, a sensuous, ripe forbidden fruit that comes to personify all of the temptations available to poor Sam.
His conflicts--both internal and external--are fairly easy to see coming, though observing them through the prism of Sam's faltering faith gives the picture a fresh, thoughtful spin. His activities aren't just scary because they're illegal (though Asch doesn't downplay that element either--their first entrance back into the States is a nerve-racking sequence); the filmmakers don't shy away from the complexities and moral implications of the faithful young man going deeper into the darkness. The picture's ending is a bit too abrupt--I'm all for leaving the audience wanting more, but we're left to infer too much, and cutting to the "what happened next" title cards always plays like the lazy way out. No matter; Holy Rollers is an unexpectedly thoughtful and involving film with more on its mind than you might expect.
Jason lives in New York. He holds an MA in Cultural Reporting and Criticism from NYU.


text:
NanoDays 2012 kits ship soon
December 21, 2011
NanoDays kits will be shipped in early January, 2012. Please note that the kit will come in three separate boxes this year:
- very large box containing almost everything (30"x20"x18" in size)
- flat box with the Build a Giant Puzzle activity http://www.nisenet.org/catalog/programs/build_giant_puzzle_nanodays_2012
- small insulated package containing nano gold (which must not freeze!) so please don't let it sit outside on a loading dock (if you want to learn more about what happens when nano gold freezes, see the Black Gold blog post)
You can see the entire list of materials here:
When you receive your very large box, look for the "Open Me First" packet. This has an introductory letter that you should read first describing the contents of this year's kit and special resources. The new digital kit will be posted here by January 15th: http://www.nisenet.org/nanodays-2011-digital-kit


text:
Nearly 80% of wealth managers plan to expand open-architecture strategies using third-party products in the next two to five years—and this trend could change the industry in fundamental ways, says Ernst & Young in a new report.
Not only will the annual product review become more popular as a way to evaluate risk, but more wealth management firms will invest in advisor desktop tools for client reporting, according to the Ernst & Young report, "Investing in the future: 2011 U.S. wealth management study: a focus on product and client trends."
"As firms continue to rely on third-party products, the annual product review will continue to be an important tool for firms to ensure their products are best in breed and are performing as expected," said Anthony Caterino, a partner in Financial Services at Ernst & Young. "Additionally, the ability to integrate these products into the advisor's tools and the client portals, and provide timely and accurate reporting will continue to be a critical for wealth management firms."
One such open-architecture technology firm, Smartleaf, is riding this third-party trend. The Cambridge, Mass.-based firm founded in 1999 has grown to more than $50 billion assets under management from $10 billion in the last two years by selling its "unified overlay platform" as a way for wealth managers to make customized portfolio management cheaper.
In other words, the average investor can now get the same advantages that high net worth clients have been getting for years.
"We have made it possible to greatly broaden the deliverability of this," said Smartleaf Chief Executive Jerry Michael. "It's as if everybody had a full-time portfolio manager who spent their whole day doing nothing but managing that person's portfolio. We can do this because we have automated much of the customization."
About 50 RIA, broker-dealer and bank trust clients now use Smartleaf's system, including U.S. Bank, DA Davidson, Comerica, BB&T and BBVA Compass.
Smartleaf's customized portfolios' cost is half that of mutual funds, Michael asserted. While a mutual fund typically charges about 100 basis points for an actively managed fund, "with overlay you never have to send out the money at all—you're just getting the ideas," he said.
Some Smartleaf clients have converted mutual fund customers completely to individual stocks, Michael added. "It was less expensive for the end investor and with a higher level of service."
Plus, the platform is so fast that wealth managers can spend more time with clients, Michael said.
"One user of our system rebalances all of his accounts between 8 a.m. and 8:30 a.m., gets a cup of coffee, then spends the rest of the day with his clients," he said. "During periods of market volatility, our clients will use the volatility as an opportunity to highlight their capabilities. Every account can be customized, and yet every account can benefit from the tactical decisions of the firm's investment policy committee."
As the technology of customization grows, so too will the technology of compliance, according to Ernst & Young's Caterino, who said that 76% of wealth firms surveyed indicated a trend of developing a unique service model for each client segment served.
"This certainly complicates the business model for these firms, and will make regulatory compliance more complex and will increase the need for technology investment across multiple channels and segments," he said.
Other key findings from the Ernst & Young survey include:
- Among firms that actively offer managed accounts, nearly 40% of them expect annual growth in this category to exceed 15%.
- Wealth managers expect success from advisor-directed accounts and unified managed accounts. They predict a 14% increase in assets under management in both categories.
- Wealth managers are responding to new regulations, such as the new fiduciary standards. Some 80% of them are investing in compliance, such as new people and better processing platforms.
Read Strengthen Portfolios and Client Confidence Through Open Architecture at AdvisorOne.com


text:
Thank you, Justin Timberlake.
The singer has been keeping the momentum of fan interest in his latest album, "The 20/20 Experience," going in various ways, so after getting glimpses of J.T. on the set of his "Suit and Tie" video and seeing him perform with Jay-Z at a Super Bowl concert, he surprised us with one of the greatest gifts of all...
The album cover and track list!
U.S. & World
Justin Timberlake shares wedding secrets and talks new The 20/20 Experience album --Listen now!
"I wanted you guys to see this first!!! #albumcover #tracklist https://stipple.com/photos/30556744," he tweeted. How sweet, right?!
As expected, Timberlake is wearing a suit and tie (duh!) while getting his vision checked (Get it? It is called 20/20).
And on to the even better part--the track list. Here's what you can expect from Timberlake's newest album, which drops March 19:
"Pusher Love Girl""Suit &Tie""Don't Hold the Wall""Strawberry Bubblegum""Tunnel Vision""Spaceship Coupe""That Girl""Let the Groove Get In""Mirrors""Blue Ocean Floor"
Are you that much more excited now for the album to be released? Sound off in the comments!


text:
WBNS-TV's on-line public inspection file can be found on the FCC website or at 10TV.com/fcc. Individuals with disabilities may contact Becky Richey at firstname.lastname@example.com or 614.460.3785 for assistance with access to the WBNS-TV public inspection files.
©Copyright 2020, WBNS-TV, Inc. All Rights Reserved. For more information on this site, please read our Privacy Policy, About Our Ads and Terms of Service. It is the policy of TEGNA Inc. to provide equal employment opportunity to all qualified individuals without regard to their race, color, religion, national origin, age, sex, marital status, disability, military status, citizenship or any other legally-protected status in accordance with applicable local, state and federal law.


text:
What is stereo?
There are now two system of high fidelity, monophonic (monaural) and stereophonic. Monophonic is a system that starts from one microphone and is fed through a single high fidelity set. Stereophonic is a double system. Two separate microphones are placed at different sides of the orchestra and two different systems are used to keep the two signals or channels separated. Two separate speakers are used, placed on different sides of you room. Stereo is much like 3-D photography, two slightly different sound reach your ears giving you a new dimension in sound.
H.H. Scott '59
Schematic Heathkit AJ-41
Iscriviti a: Commenti sul post (Atom)


text:
Forestkirchner brauchte ein neues T-Shirt Design und hat einen Wettbewerb auf 99designs gestartet.
4 Gewinner wurden aus 82 Designs von 19 Designern ausgewählt.
Top of Food Chain
Top of Food Chain is a clothing company in the southwestern United States. Our company supports the outdoorsman and hunter enthusiast. We would like our own range of branded clothing to characterize the outdoorsman/hunter. We would like a t-shirt design that describes the brand that we want to build.
Our target audience is mainly younger males between the age of 14-35 who have an interest and passion for hunting. They enjoy sports, the outdoors, hunting, and the bar/clubbing. They wear jeans and hoodies. They often have tattoos and dress with the trend.
We would like the t-shirt to have only one color, but you are the designer do as you wish. Discreetly include Top of Food Chain in the design but not to bold. We like tattoo tribal art, scrolls, trendy, grunge style. We DON'T want "real life" looking pictures of animals, we want an animal skull with antlers incorporated into the design. The majority of the design should be on the front with a small design on the back. The back design should have skull and antlers involved and should not be as big and elaborate as the front at max 4 to 5 inches. We are NOT looking for "redneck" designs. Think of surf/skate/mma/motorcross t-shirt for a hunter.-THANKS FOR YOUR HELP
We like the stuff you guys came up with on this design.
I will award for more than one design!