text:
In its search for ways advisors can help clients improve retirement outcomes, in a report released Wednesday, Morningstar put a number to how much more income a person can generate by being a better investor: 29%. Referring to this extra income as "gamma," Morningstar noted that this increase is equivalent to 1.82% bump in annual returns.
"Investors arguably put a lot of time and effort into selecting investment funds or managers they hope will outperform the market—the so called 'Alpha' decision," David Blanchett, head of retirement research for the Morningstar Investment Management division, said in a statement.
The report, "Alpha, Beta and Now … Gamma," focused on five factors that affect the success of a retirement plan: optimal total wealth asset allocation, dynamic withdrawal strategy, guaranteed income products, tax-efficient allocation decisions and portfolio optimization.
The report determined investors could earn an extra 29% on their portfolios through gamma-efficient investing by running a series of tests that analyzed the effects of total wealth asset allocation, annuity allocation and dynamic withdrawal strategy; liability-relative optimization; and tax efficiency of assets.
"The increase in utility-adjusted income (i.e., Gamma) could be multiplicative, additive or neither and is something we leave for future research," the report noted. "Here, for simplicity purposes, we assume the improved income that could be generated are additive across the three tests since each of the tests are relatively independent."
In the first test, Morningstar estimated the gamma for the total wealth asset allocation, annuity allocation and withdrawal strategy. The report found total wealth asset allocation had a gamma value of 6.06% and annuity allocation added 3.79%. A dynamic withdrawal strategy added the most gamma at 8.53%.
In the second test, Morningstar estimated the impact of tax-efficient investing strategies. The difference between the most inefficient tax strategy, which Morningstar found was inefficient asset location and withdrawing from a 401(k) first, and the most efficient strategy, which included efficient asset location and making taxable withdrawals first, was 19.09%. Portfolios with tax-efficient assets and where taxable withdrawals were made first earned an additional 8.23% of income, while a portfolio with less tax-efficient assets earned 4.95% more. In a portfolio where withdrawals were made from the 401(k) first but had tax-efficient assets, extra income was less than 1%. When assets were not tax-efficient, income fell by over 10%.
Morningstar asserts that there is a better strategy than allocating assets to get the most out of a client's investments for a given level of risk because such a scenario doesn't plan for the ongoing liability that will be the client's retirement income. In the third test, which estimated the return on a portfolio optimized for liabilities, Morningstar built three retirement portfolios with a target return of 6%: one had a liability-driven optimization, one had an asset-driven optimization and one used what Morningstar called a "naïve" asset allocation of 80% bonds and 20% equities.
To study inflation's effect on the portfolios, Morningstar ran a Monte Carlo simulation and found the liability-driven portfolio had the lowest returns when inflation was at its lowest level. The asset-only portfolio exceeded the liability-driven portfolio in returns when inflation was low, but the liability-driven portfolio fared better in the high-inflation scenario.


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10 ways to use technology to teach writing
Both high-tech innovations for learning and the inability of many American schoolchildren to write well have been major talking points in educational circles for quite some time, but oddly enough, one may offer a solution to helping remedy the other. There are a variety of tech tools and methods out there for teaching writing that can make the process easier and more fun for both teachers and students. While not every high-tech way of teaching writing will work for every class or every student, there's enough variety that there's bound to be something for everyone. Here, we offer just a few tech-focused ways to help students learn grammar, essay-writing, and, most importantly, why good writing is so important to their futures.
With many teachers trying to grade the work of a hundred or more students, giving the kind of comments and insights that students need to succeed can be difficult, if not impossible. While budgets can't allow for teachers to take on a lighter class load, there are some high-tech solutions to the problem that can ensure that students get the help they need and that teachers aren't overburdened with grading. Increasingly complex and comprehensive programs are available to help students fix errors in their writing, and can offer feedback during the writing process, when it matters most. Students can use the feedback to make changes before handing in a paper and can get it in more manageable chunks so that it won't feel overwhelming. While programs like these are still evolving, they will undoubtedly become a go-to tool to help teachers teach students writing in the coming decades.
Many students struggle to understand grammatical principles, even if they've been taught them in class. They simply can't bridge the gap between the conceptual idea and putting it into practice in their real-life work. Direct interactions with teachers can help, but tech can offer another avenue for overburdened teachers. There are hundreds of sites that provide grammar tutorials, some that even come complete with exercises and activities to engage students and help fill gaps in their knowledge. New software is also being released that can help students as they write, addressing grammar issues as they happen. With this kind of support and guidance, students can learn to become better writers both from teachers and from technology.
Writing-focused software is also available to help teachers keep an eye on student progress as they produce a paper or complete an assignment. One such product is called Essay Punch. It helps students through the process of writing an essay step-by-step, from pre-writing to publishing, even offering contextual help and feedback throughout. It also allows teachers to monitor the progress, or lack of it, that students are making in crafting their essays. It's not the only product of its kind, and tools like this can make it possible for students to get help from start to finish not only from their teachers but also as they write each word of an assignment.
Today, there are hundreds of free multimedia tools out there for teachers to use in the classroom, many of which combine perfectly with writing assignments that challenge and engage students. Looking for some ideas? Some teachers ask students to combine videos they've shot with poetry they've written or to write the scripts for short films. Others allow students to turn their stories into animations. While a small investment in technology may be necessary to get these kinds of programs off the ground, many teachers report that students who get to be creative and use high-tech tools to augment their writing actually work harder, are more willing to revise, and want to create something that will be truly great, not just please the teacher.
New technology makes it easier than ever for students to collaborate on just about anything, including writing projects. Even free products like Google Drive allow students to work together on a project or to give each other feedback that can be useful in the writing process. Teachers can also chime in so long as documents are shared. While there are numerous platforms that allow for collaboration, Google has actually created a tutorial and some useful materials in partnership with Writing for Teens for teachers and students to use that can make collaborative writing with the web-based service easy and productive.
Blogs force students to create writing that is geared toward a wider audience, which can give quite different results than asking students to craft an essay or a journal that will be read by the teacher alone. There are a number of education-centered blogging sites that can help to address any security and safety issues parents might have and still allow students to craft web-ready writing. On these sites, students can work together to craft a classroom blog or work independently to develop a blog on a given topic. Much of the writing students will do in their future work may be digitally-based, so learning to write in the digital sphere is a key skill to develop. What's more, most kids love getting the chance to share their writing through a blog, so it can be great motivation for reluctant writers.
Tablets are becoming a standard tool in today's classrooms, and writing hasn't been exempt from their influence, and for good reason. Tablets offer an easy way for students to share and view what they're witting. They can also be loaded up with apps that can help students to practice grammar, translate their writing into other media, or work together with classmates on a variety of different projects. Research supports their use, too. A recent study found that students who had access to a tablet in their classroom were 6% more likely to pass a state reading exam and 8% more likely to pass a state writing exam.
As Common Core standards begin to be applied to schools in most states, many teachers are looking for ways to help students tackle the new writing guidelines laid out by Common Core, many of which focus much more heavily on non-fiction writing. Common Core may not be nationwide just yet, but there are already useful tech tools that teachers can use to teach students writing within the new guidelines. One such site is StudySync, which provides access to hundreds of digital books, offers weekly writing practice, has online writing and peer review, and even incorporates multimedia writing lessons. It offers a pretty rich assortment of tools that can be useful in helping teachers adapt to new standards, and in getting students at any level to learn to love (and excel at) writing.
Sadly, many students hate writing because they find it boring and not particularly useful. Many students just aren't learning practical ways to apply what they learn and create. After all, when was the last time you had to write a five-paragraph essay for, well, anything? Experts suggest that teachers can facilitate greater student engagement through emphasizing the real-world purpose of student writing. The Web can be a valuable tool for doing that, as much of the communication students do these days is via online forum. Students can compare and contrast products, write short essays detailing their position on a particular issue, or even build research-based websites that can inform and educate readers.
When students are proud of the work they've done, they love seeing it in published. Additionally, knowing something will be published for others to see can motivate students to produce better work from the get-go. There are a wide range of publication options online that teachers can use to promote student work. Students can be featured on a school website or blog, but other sites offer different options. Google Drive and Zoho Writer make it possible to turn a writing assignment into a webpage and Yudu and Issuu help make them into a newsletter or e-book. Those are just a few of the many options out there that can help to get students excited about writing.

subset: commoncrawl


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Some strawberry recipes:
Some events and locations related to strawberries:
Naturipe Fruits - Pick Your Own and Farm Gate Sales
Naturipe Fruits has both pick your own and farm gate sales. (please note - cash only).
Pick your own
Apple seasons are Royal Gala (Feb); Golden Delicious (March); Early Fuji (late-Feb); Late Fuji (April); Pink Lady (late-April to May); Granny Smith (April)
Farm Gate Sales
Fruits for sale are fresh-picked daily and and are not waxed or stored or use any chemicals. As well as the fruits listed above, garlic is also available.
For current details consult the Naturipe Fruits website.
___________________ ___________________


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Exploring Family Tree Maker 2012 - Post 25: Doing a Web Search - Case 1
Randy provided the following:
For Case 1, I'm going to pick one of my "brick wall ancestors." William Knapp (born 1775 in Dutchess County NY, died 1856 in Newton, Sussex, NJ), who married Sarah Cutter in about 1804 and had 11 children.
I created an unrelated person in my family file with the information that he provided. I wanted to help Randy with this brick wall.
The first thing I was was a shaky leaf. Might be what Randy found. BUT, there was one thing that I have set differently in the Tools Menu, Options selection, is that I do not want to see any Ancestry Member Tree "hints". I may change that setting if I have exhausted my other searching. So, I wanted to see what that leaf was about.
So there is ONE Ancestry hint for William Knapp. That may be good news or it may be bad news. Good News, One Hint. Bad News, One Hint. So, let's see what we find. I clicked on that hint, which goes directly to the Web Search Workspace, and does the search for me, without using the Search screen that Randy used.
This is nothing bad about going to that screen, but I have the settings at the bottom of that search screen the way I want them, which basically ignores the "possible tree matches". That is how I have my settings to start any search.
So, here is that one hint:
It is a New Jersey, Deaths and Burial Index, 1798 - 1971. I checked the data in my file (on the Left, against what was in the selected record (the only one, in blue), and checked the date from that record. Places and Dates look really close.
Because I don't have all of Randy's data, I can only guess how close this record is. Time will tell (I hope)
I viewed that record from Ancestry to see if there was more information then was in the Lower Right Box. The only "new" piece of information that was in this record was that THIS William Knapp was a Shoemaker.
For this case, I am going to Merge this record from Ancestry into my file. I start with the Merge Button in the Right Hand Panel, just above the name.
In this case there was only One Merge screen to review and excepted what was suggested from the Merge Process. What IS important on this screen, or Web Merge Screens is NOTING what information (Facts) ARE included and what ISN'T included in the Merge Process.
When the Web Merge Screens are completed, the LAST screen is a Summary screen. In this specific case, it's noted that there is NOT a Media (image) associated with this record. Otherwise it would have a check box under the "preferred information". The data that will be included and the Source and Citation information that will be included in the Web Merge are on this screen.
Back to the People Workspace, Person View a New Fact was added. That is the Death Fact, with the complete Date. I keep the information this way. Meaning that I now have Two Death Facts. The first one, currently marked as Preferred, only had the Year, which is what Randy posted and the second one, with the full death date. June 16, 1856. That Fact has the appropriate Citation in the Right Hand Panel.
One of the next things that I do, immediately, will be to put that Ancestry Citation into the appropriate Template for the Source. I won't go into that here. Have talked about it before, and my create another blog post on how to change that format.
This is the Source Workspace, with the Citation Selected. At the bottom of the Center Panel are the Facts that have that citation linked to. The Citation Detail and Citation Text may be changed when I move that Source to the appropriate template.
In the lower right corner of this screen is a Link to View Source. This is very helpful if you want to go back to a Source to see if you missed anything.
What WAS missed in the Web Merge was that he was a Shoemaker. I will add an Occupation Fact, with the SAME citation. This listing also indicates that he was married, not a widower. There is an indication what his wife may still have been alive, so I added a Death of "Aft. 1856" on her Person Page. I'll make a Task (To Do List) to get confirmation of that in some other record.
New Information Learned: he was a Shoemaker.
Copyright © 2011 by H R Worthington


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When this happened in Kansas in broad daylight, people gathered along the road to watch in awe what they thought could be a UFO transported by the military. Yesterday evening the same scene caused a frenzy in Washington DC's highways.
Traffic jams were reported by motorists on the Beltway and the I-270 in Maryland, who snapped photos of the alien-looking drone.
Like in Kansas, it was just an X-47B Unmanned Combat Air System, a drone designed to operate from aircraft carriers. Northrop Grumman has confirmed they were shipping the lethal wing to the Naval Air Station Patuxent River, Maryland. There it will be tested on an airstrip designed as a carrier runway.
Hey, people of Amercia! If the military were moving alien spaceships from place to place, they would never ever do it moving them in plain sight, on top of a truck, barely covered with a cloth, ok? [Twitter, Twitter, Twitter via Washington Post]


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tags, xref:, When, all green, we'll elect you, Also xref, Blue? …no, Further xref:, Why, military, police, officers, stripes on pants, dogs, know, direction, facing, what else?, "Step back!", ?, And what else?, Screen Shot, [[thn/]] 2011-12-29, 11.35.08 AM,
Filed under: "Step back!", 11.35.08 AM, ?, all green, Also xref, And what else?, Blue? ...no, direction, dogs, Egypt, Facebook, facing, Further xref:, Jesus, know, military, officers, photo, police, Screen Shot, Social (Trust) Networks, Stand alone rights, Stand with rights, stripes on pants, tags, The five (5) pillars of faith, Uncategorized, we'll elect you, what else?, When, Why, WIC, xref, Zakat, [[thn/]] 2011-12-29


text:
Uluwatu is perpect for a surfing holiday, honeymoon and for guests seeking a quite hideaway overlooking the indian ocean.
Uluwatu is about world famous Uluwatu surf break, about 30 minutes drive from the international Airport of Ngurah Rai, Bali and less than 10 minutes drive to famous Uluwatu Temple which is one of the biggest temples in Bali. About 30 minutes drive to Kuta and about 20 minute drive to Nusa Dua.
Stay at Sandat Mas in Uluwatu Bali, Indonesia!
Whether your mission is a surf trip with the boys or a honey moon with your significant other we offer accommodations for every budget. more>>


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The D-Light keeps it so much on the inside that at first, you may not recognize it as a lighter nor identify S.T Dupont as the maker. But streamlined instruments designed to fit in with the fast-moving lifestyle of technologically sophisticated customers are the wave of the future for this classic company.
Those familiar with the flip-top lighters, which the France-based company has been crafting since 1941, may not connect them with the modernized figure of the D. The trim construction has miniaturized and adjusted the hallmark traits as well as hidden them inside a palladium sleeve. To operate, hold the piece like a remote control and slide a button on the face upward. This will release an inner brass body equipped with an ignition wheel and trigger the flow of butane. Spin the wheel with your index finger to spark a flame. The D-Light sports a classic flint flame and a spring-loaded retraction button that, with a click, slides the lighter back into its original clandestine state, shutting off the flame and the gas in the process.
Its svelte traits speak to cigar-loving consumers on the fly. Of the six lighter lines that S.T. Dupont produces, the D-Light is the thinnest, measuring little more than seven millimeters, and the second lightest, trumped only by the Line D. Thus, the D-Light can be snuggly hidden in a jacket or pants pocket.
While contemporary in appearance, the D-Light models remember their roots. The trademark Dupont elegance is evident in the High Tech version, with its completely brush-steel finish, and the Icon Lacquer (pictured), which couples a new logo with the company's signature Chinese lacquer. The modish newcomers in the Hide-and-Seek versions are more boisterous. The slide on the aptly named Orange lighter reveals loud orange color. The even more audacious Love reveals the words "I would love to see you" on one side and "again/again/again..." on the other. Perhaps that is the company's nod to clinging to classic ideals even while hewing to a modern style.
Suggested retail is $600 for the High Tech and $725 for each of the others. Call 800-341-7003 or visit www.st-dupont.com.


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OAKLAND (AP) — Josh Willingham drove in two runs against his former team, Joe Mauer hit a two-run single and the Minnesota Twins snapped Oakland's four-game winning streak with a 7-2 victory over the Athletics on Monday night.
Brian Duensing (3-8) struck out seven and walked one in six innings to win for the first time in three starts after consecutive losses, helping the Twins bounce back from a three-game weekend sweep at Seattle to begin a 10-game road trip.
Darin Mastroianni had an RBI single and added a sacrifice fly in the eighth and No. 9 hitter Pedro Florimon joined Willingham and Mauer with three hits apiece for Minnesota, which went 4 for 11 with runners in scoring position a day after missing in all 10 such chances in the series finale at Seattle.
Oakland had its five-game home winning streak snapped with just the club's 11th defeat in 37 games at the Coliseum since June 6. But the A's will have a new addition to their lineup come Tuesday night's middle game of the series. The team announced in the seventh inning it had acquired veteran shortstop Stephen Drew from Arizona for minor league infielder Sean Jamieson.
A's starter Brandon McCarthy (6-5) surrendered three straight one-out hits in the first, including Willingham's RBI double. Trevor Plouffe also drew a bases-loaded walk as the Twins took a quick 2-0 lead.
McCarthy's night was done after he gave up Willingham's third hit, an infield single in the fourth. Travis Blackley pitched 5 2/3 innings of relief.
McCarthy, Oakland's opening day starter, was knocked out after 3 1/3 innings for his shortest outing since also going 3 1/3 on Aug. 12 last year against Texas. His 10 hits allowed matched his second-highest total of the season and he was tagged for a season-high six runs.
The lanky right-hander has lost back-to-back starts during a three-start winless streak that followed a 6-0 stretch over seven outings before going on the disabled list from June 24-Aug. 10 with a strained throwing shoulder.
Josh Donaldson hit a run-scoring double and Josh Reddick added an RBI groundout for the A's, who had won four straight games to move a season high-tying 10 games over .500 — but they missed going 11 games over for the first time since finishing the 2006 season at 93-69. That team was the last to make the playoffs, reaching the AL championship series before being swept in four games by the Tigers.
Derek Norris had two hits to lead Oakland, which couldn't do much against the lefty Duensing. He allowed two runs and five hits.
Former Oakland star Willingham received scattered boos from the small crowd of 10,274 when he came to the plate in the first. Most of those fans were gone by the late innings with the A's trailing.
Minnesota ended a three-game skid in the series with the A's after being swept at home in the teams' first games following the All-Star break. The Twins took all three meetings in late May.
Notes: Minnesota played without CF Denard Span for the seventh straight game because of a sore right shoulder. He underwent an MRI exam on his collarbone Monday in San Francisco and is scheduled for an MRI on the shoulder Tuesday. ... Florimon stole his first career base in the second inning for the Twins after a leadoff single. ... A's LHP Brett Anderson is back from Tommy John elbow ligament replacement surgery, set to make his season debut Tuesday night. Anderson was activated from the 60-day disabled list Monday, ready to pitch in the major leagues again for the first time since undergoing surgery 13 months ago. ... Coco Crisp stole his 27th base. ... McCarthy was handed his first career loss to the Twins in five starts and 10 appearances. He beat Minnesota on July 31 with a nine-strikeout performance. ... Oakland will make corresponding moves to its 25-man and 40-man rosters upon the arrival of Drew, who returned in late June from a serious ankle injury that sidelined him for 137 games. He is hitless in his last 15 at-bats.
OAKLAND (AP) — Josh Willingham drove in two runs against his former team, Joe Mauer hit a two-run single and the Minnesota Twins snapped Oakland's four-game winning streak with a 7-2 victory over the Athletics on Monday night.


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I went to the trouble of making a mini-podcast of the portion of today's Meet the Press where Bill Bennett appeared along with Dana Priest of the Washington Post, Bill Safire, and others, talking about the LA and NY Times' outing of the terrorist finance tracking program. It is an appalling conversation. Bennett is the only one who makes any sense; Safire plays an especially dishonorable role. And Dana Priest gets in an outrageous cheap shot against Bill which demonstrates, once again, why the words "liberal" and "mean-spirited" go hand in hand.
It is a very sad spectacle, and the arguments adduced by the liberals are astonishingly thin. (To take just one example: I want all of our liberal readers to send us every piece of evidence that supports the claim, oft-repeated in the liberal media, that the terrorists knew all along that we were collecting data on money transfers from SWIFT. We will happily reproduce every such item of evidence that we receive. I am quite confident that the total will be zero. I have yet to see a single fact offered in support of this claim, which is, on its face, implausible.) It is important for everyone to realize, I think, how low the level of discourse in the legacy media has fallen. So: listen and weep.
One more thing: on the absurd claim that the front page, above the fold story about SWIFT didn't disclose any secrets, because everyone already knew it, see this post by Blog of the Week Patterico's Pontifications:
Eric Lichtblau, Meet Your Own Story and Headline
Eric Lichtblau's story in the New York Times, June 22:
Bank Data Secretly Reviewed by U.S. to Fight Terror
By ERIC LICHTBLAU and JAMES RISEN
Eric Lichtblau today, on CNN's Reliable Sources:
"USA Today", the biggest circulation in the country, the lead story on their front page four days before our story ran was the terrorists know their money is being traced, and they are moving it into—outside of the banking system into unconventional means. It is by no means a secret.
That's only the beginning; the fun goes on and on!


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Masters' and Mates' certificates
By an order of 1845 the Board of Trade authorised a system of voluntary examinations of competency for men intending to become masters or mates of foreign-going British merchant ships. The system was made compulsory by the Mercantile Marine Act of 1850 and extended to masters and mates of home trade vessels by the Merchant Shipping Act of 1854. A master's or mate's certificate of competency was issued to each man who passed the examination. Men who were considered by the examiners to have sufficient experience as a master or mate were eligible, without formal examination, for certificates of service.
Lloyd's "Captains Registers"
Lloyd's "Captains Registers", in the Manuscripts Section of Guildhall Library, give details of the careers of captains and mates of merchant ships who held masters' certificates (but not of mates who held a mate's certificate only) and who were active between 1869 and 1947. Details of the earlier careers of masters' certificate holders who were still active in 1869 are also given; these details go back to 1851 or the date of obtaining the master's certificate, whichever is the later. Although called "Captains Registers" the volumes strictly relate to holders of foreign-trade masters' certificates, including some who served only as mates. For the years 1869-1911 and 1932-47 there are also details of holders of masters' certificates who did not serve at all as master or mate. The registers usually exclude masters of coasters, ferries, fishing vessels or yachts.
The Registers were compiled by Lloyd's from information regularly transmitted by the Registrar General of Shipping and Seamen, for the use of Lloyd's members in assessing insurance risks, although no information relating to insurances is given. They list for each person the place and year of birth (but not home addresses in later life); the date, number and place of issue of the master's certificate obtained; any other special qualification, including the "steam" certificate from 1874; the dates of engagement and (sometimes) discharge as master or mate since the certificate was obtained, with the name and official number (taken from the Mercantile Navy List) of each ship; the general area of the destination of each voyage; casualties (sinkings, collisions etc.); and notes (e.g. reprimands, special awards).
Reasons for unsuccessful searches in the registers
Searches in the "Captains Registers" sometimes fail to produce any information relating to a particular individual. Possible reasons for this include:
a). The man was a captain or mate on a British merchant ship and held a master's certificate but ceased active service before 1869 or began active service after 1947.
b). The man was a captain or mate on a British merchant ship and held a master's certificate but the information was not transmitted to Lloyd's.
c). The man was a captain or mate on a British merchant ship but did not hold a foreign-trade master's certificate.
d). The man was a mate on a British merchant ship and held a mate's certificate only.
e). The man was a captain or mate but did not serve on a British merchant ship (e.g. he may have served in the Royal Navy or on a foreign ship).
f). The man was not a captain or mate at all, but may have gone to sea as an ordinary merchant seaman or in some other capacity.
g). The man held a master's certificate issued between 1912 and 1931, but never took up any appointment as master or mate and is therefore omitted from the surviving records of Lloyd's.
It should be borne in mind that the term "master mariner" was sometimes used loosely and that not everyone so called held a master's certificate.
Sometimes a man's place and year of birth are given in the Register together with details of his certificate but there is a gap in the record of voyages or no details of voyages at all. Entries of this kind suggest that the man did not go to sea as captain or mate (although he may have served in a lesser capacity) during the period in question, or served on a foreign-owned ship, or that details of his voyages were not transmitted to Lloyd's. The criteria for the transmission to Lloyd's of the details of a voyage and for their inclusion in the "Captains Registers" have not been identified.
Other sources of information
The records of the Registrar General of Shipping and Seamen, from which the information in the "Captains Registers" was derived, give details of all captains and mates of merchant ships who held masters' certificates, beginning in 1845. They are held (to c.1921) by the National Archives, Ruskin Avenue, Kew, Richmond, Surrey TW9 4DU (e-mail: firstname.lastname@example.com), and (from c.1921) by the Registrar General of Shipping and Seamen, Unit 12, Cheviot Close, Parc Ty Glas, Llanishen, Cardiff CF4 5JA. These offices also hold many other records relating to merchant seamen, including registers of certificates issued to mates (from 1845), to engineers (from 1862), and to skippers and mates of fishing boats (from 1880).
The National Maritime Museum, Greenwich, London SE10 9NF, holds the original applications for, and Board of Trade office copies of, certificates of all classes issued 1845-1927. After 1928 office copies were discontinued. The applications give details of applicants' earlier maritime careers. The certificate number, which can be found in indexes at the National Archives and, in the case of certificates issued to masters who were active between 1869 and 1947, in Lloyd's "Captains Registers" at Guildhall Library, is needed before the application and copy certificate can be produced. Enquirers who wish to see a certificate or have it researched or copied, should write to the Research Enquiries Section. There is a charge for this service, details of which can be obtained from the Museum or found on http://www.nmm.ac.uk.
Please note: The Caird Library, National Maritime Museum, Greenwich, will close at 16.45 on Saturday 20 December 2008, and reopen in late spring/early summer 2009, due to the redevelopment of the Museum's South West Wing. General enquiries will continue to be handled by the E-Library, Monday to Friday, 13.30-15.30, telephone +44 (0)20 8312 6516. Although staff cannot undertake extensive research, they will endeavour to advise about the archive and library collections during this period. Please contact email@example.com or firstname.lastname@example.com . They will provide a copying service (photocopying or digital scans) for master's certificates and crew lists only during this period, as most of the collections will be in transit and not accessible for copying until after the move.
Guildhall Library holds Mercantile Navy Lists 1857-64 which list masters back to 1845 who were still active in these years. Lloyd's List includes some names of masters 1741-1837 and these are indexed on a Printed Books Section database. Please contact the Printed Books Section for further information.
Records of other merchant seamen
There are no records of ordinary merchant seamen at Guildhall Library. The National Archives holds registers of seamen compiled between 1835 and 1857, but outside this period records of ordinary seamen can be difficult to use and may not be easy to locate. They consist chiefly of the muster rolls (1747-1851), and crew lists (1835 to the present) of individual voyages. All the surviving muster rolls (there are few before 1800) and the crew lists up to 1860 are at the National Archives. From 1861 the crew lists are dispersed in various repositories:
1861-1938; 1950-1976
a) A random 10% sample at the National Archives.
b) The remaining 90% for voyages ending in 1861, 1862 and years ending in "5" (except 1945) at the National Maritime Museum. At least one week's notice of a visit is required.
c) Miscellaneous papers of local interest are held by local record offices: these are generally for voyages beginning at ports in the area concerned. The National Archives at Kew can provide details.
d) All other surviving papers are held by the Maritime History Archive, Memorial University of Newfoundland, St John's, Newfoundland, Canada A1C 5S7 (e-mail: email@example.com). A microfiche index to the crew lists held by the University, arranged by ship's official number, is available at Guildhall Library for the period 1861-1913.
1939-1950; 1977 onwards
All papers at the Registrar General of Shipping & Seamen.
a) The National Archives does not normally undertake searches in its records relating to service in the Merchant Navy, but they are available for consultation by members of the public or by professional searchers working on their behalf.
b) Requests for information from the records held by the Registrar General of Shipping & Seamen must be made in writing.
The records are fully described in Records of Merchant Shipping and Seamen by Kelvin Smith et al (Public Record Office Publications, 1998) available in the Printed Books Section.
"Captains Registers" of Lloyd's of London
Lloyd's arranged the information in alphabetical sequence of masters' names.
The Lloyd's "Captains Registers" are divided into three sections:
Ms 18567/1-87 [1851-1911]
Ms 18568/1-15B [1901-1948]
Ms 18569/1-41 [1885-1948]
There are also two supplementary card indexes:
Ms 18570/1-9 [1912-47]
Ms 18571/1-2 [1932-47]
The individual series are described in more detail below. Please note that Ms 18568-71 are all available on microfilm.
Name Index to the Captains Registers
A personal names index to Ms 18567 is two thirds completed and new letters are frequently being added. Completed volumes are available on the open shelves in the Manuscripts Section reading room and can be downloaded. "In progress" sections to the index can also be consulted on request. Please ask staff at the Enquiry Desk for further details about letters that are "in progress".
Guide to abbreviations
Much of the information in the "Captains Registers" is given in abbreviated form. The abbreviations are explained in Tables 1-4 below:
Table 1: letter prefixes to master's certificate numbers
C : before number denotes certificate of competency.
S : before number denotes certificate of service.
CHT : before number denotes certificate of competency for home trade passenger ships.
SHT : before number denotes a certificate of service for home trade ships
(1st, 2nd, or 3rd class refers to the voluntary examination passed between the years 1845 and 1850).
Col, Can etc : before number denotes that the certificate was obtained abroad (i.e. Colonial, Canada, etc.).
Table 2: special qualifications referred to
Ex : Extra Master (someone who has passed the Extra Master's examination and is qualified in higher navigation).
F & A : master for fore-and-aft rigged vessels only.
Stm : qualified in the usages of the steam engine.
Crown : before name denotes officer in Royal Naval Reserve.
Table 3: destinations
A : West coast of Africa and adjacent islands
Aust : Australia, Tasmania, New Zealand
B : Baltic, Norway, White Sea, Gulf of Finland and Cattegat
C : China, Japan and oriental archipelago
Cp : Cape colonies, Ascension, St. Helena, Natal, Algoa Bay
Ct : coasting trade, including Holland, Belgium, France, from River Elbe to Brest
EI : East Indies, Burma, Mauritius, Red Sea
FPS : France, (South of Brest), Portugal, Spain (outside Straits of Gibraltar) Azores
M : Mediterranean, Black Sea, Sea of Azoff, Adriatic
NA : British North America, Greenland, Iceland
NP : North Pacific and West coast of North America
NS : West coast of Denmark
SA : Brazils, River Plate
SP : South Pacific and West coast of South America
US : United States (East coast and Gulf ports)
WI : West Indies and Gulf of Mexico
For : Foreign (not further identified)
The number which follows the name of a ship is her official number, and corresponds with her number in the Mercantile Navy List.
Table 4: casualties (sinkings, strandings, collisions etc.)
Casualties are recorded in blue ink. The nature of the casualty is given (collision, grounded etc.) together with a cross-reference to the daily shipping newspaper Lloyd's List. The reference is given as a date (usually month and day only as the year is given at the top of the page) and, below that, a number. The date is that of the appropriate Lloyd's List and the number denotes the column in which the casualty is recorded. A typical entry might read as follows:
Grounded near Barcelona Oct.1.17 ; refloated 2.17
22 21
This denotes that column 22 of the issue of Lloyd's List for 1 October 1917 reported that the ship in question had grounded near Barcelona, and that column 21 of the Lloyd's List for 2 October reported that the ship had been refloated.
A near-complete file of back numbers of Lloyd's List is available in the Printed Books Section of Guildhall Library.
Casualty entries are sometimes accompanied by:
1) "inq" or "Inquiry" and a serial number. This is a reference to a Board of Trade inquiry into the incident. Some printed sources giving additional information about Board of Trade inquiries are available in the Printed Books Section.
2) a serial number composed of several digits enclosed within an oval, for example, 1234. These numbers refer to the Confidential Reports which were sent to Lloyd's by the Registrar General of Shipping and Seamen. Guildhall Library holds Reports with serial numbers 500-699 covering 1908-46 (Ms 36855). The whereabouts of other Confidential Reports are not known. The information was extracted from the Registrar General's "Black Books" which are now held at the National Archives.
Guide to entries in Ms 18567
"Captains Registers", compiled 1869 to 1911, of master's certificate holders who during this period were considered "active", i.e. had received their master's certificate or an appointment as master/mate within the previous five years. All recipients of master's certificates issued from c. 1864 are therefore included, but master's certificate holders "inactive", i.e. retired for five years, by 1869 do not appear unless they subsequently received appointment as a master or a mate.
Volumes 1-15, compiled 1869-73, also give details of earlier voyages by master's certificate holders who were "active" in 1869: these details go back to 1851 or to the date of obtaining the master's certificate, whichever is the later, and are recorded in the form of printed entries pasted into the registers. These pasted entries were cut from a printed "Captains Register" produced in 1869; no other printed "Captains Registers" appear to have been prepared. The printed volume is available in the Printed Books Section of Guildhall Library
Most of the entries (see earlier for contents) appear in exact alphabetical order of surname and then of first name(s), but extra entries were added either at the bottom of the page closest to their correct position in the alphabetical sequence or on "Extra folios" at the end of all the entries for each letter of the alphabet. Readers should pay particular attention to these extra entries, in case the person they seek is recorded there rather than in the main alphabetical sequence.
Much of the information in the registers is given in abbreviated form. Tables 1-4 above give those most generally used. Other information is entered in different codes at different dates, as follows:
1851-69 (pasted entries):
ship's name in ordinary type: engagement as captain;
ship's name in italics: engagement as mate.
1869-93 (from 1888 a key is printed at the top of each left-hand page):
black ink: engagements;
red ink: discharges;
blue ink: casualties and notes;
ship's name not underlined: engagements as captain;
ship's name underlined: engagements as mate.
black ink: engagements as captain;
red ink: engagements as mate (engagements as 2nd/3rd mates in red ink with ship's name underlined);
blue ink: casualties and notes
NOTE: if no place and date of certificate is given this is because the master had a certificate of service (indicated by S before the certificate number), rather than a certificate of competency. Men who were considered by the examiners of competence to have sufficient experience as a master or mate were eligible, without formal examination, for certificates of service.
Guide to entries in Ms 18568 and Ms 18569
"Captains Registers", compiled 1912 to 1947, of master's certificate holders who either:
1) obtained their certificate between 1912 and 1947 and during this period received at least one appointment as a captain, and not just as a mate;
2) obtained their certificate in 1911 or earlier, and during the years 1912-47 received at least one appointment, as a captain or a mate, so long as, between the date of their certificate and 1947, they received at least one appointment as a captain.
The volumes in Ms 18568 and Ms 18569 appear to have been compiled on an identical basis, but record different individuals. Readers should consult both series when searching for a particular master's certificate holder.
NOTE: the following holders of master's certificates in the period 1912-47 do not appear in these series:
a) Those who from the date of their certificate up to 1947 received appointment(s) only as a mate, and never as a captain:
- if their certificate was issued before 1912, see Ms 18567 for the period to 1911, followed by Ms 18570 for any appointments in the period 1912-47;
- if their certificate was issued in the period 1912-47, see Ms 18570 only.
b) Those who in the period 1912-47 never (officially) received any appointment at all:
- if their certificate was issued before 1912, see Ms 18567;
- if their certificate was issued 1912-31, no record of them exists in the Lloyd's "Captains registers";
- if their certificate was issued in the period 1932-47, see Ms 18571.
Arranged in alphabetical order of surname and first name(s); details go back to the date of obtaining the master's certificate. A key to codes and abbreviations used appear on each page.
Guide to entries in Ms 18570
Card register, compiled 1912 to 1947, of master's certificate holders who either:
1) obtained their certificate between 1912 and 1947 and during this period received appointment(s) only as a mate, not as a captain;
2) obtained their certificate in 1911 or earlier, and during 1912-47 received at least one appointment as a mate, and from the date of their certificate until 1947 received appointment(s) only as a mate, and never as a captain.
NOTE: the following holders of master's certificates in the period 1912-47 do not appear in this card register:
a) Those who between the date of their certificate and 1947 received at least one appointment as a captain, and not just as a mate. For these see Ms 18567-9 above.
b) Those who in the period 1912-47 never (officially) received any appointment at all:
- if their certificate was issued before 1912, see Ms 18567;
- if their certificate was issued 1912-31, no record of them survives in the Lloyd's "Captains Registers";
- if their certificate was issued in the period 1932-47, see Ms 18571.
Arranged as Ms 18568-9. Much of the information given on the cards is in abbreviated form. Tables 1-4 give those most generally used. Other information is entered in the following codes:
red ink: engagements as mate (engagements as 2nd or 3rd mate have ship's name underlined);
blue ink: casualties and notes.
Guide to entries in Ms 18571
Card register, compiled 1932 to 1947, of holders of master's certificates issued during this period who by 1947 had never (officially) received any appointment at all, either as a master or a mate. The content is similar to Ms 18567-70, but no details of appointments are given; arranged alphabetically. No similar register survives for 1912-31 and holders of master's certificates issued during this period who by 1947 had never (officially) received any appointment at all are not recorded in the "Captains Registers". Cards for such individuals may have been "weeded" by Lloyd's after a period of years or when an individual career was deemed to have ended (e.g. through death or incapacity). It is possible that the cards in Ms 18571 have been weeded on a similar basis.
Last updated December 2008
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Seacoast Nursing & Rehabilitation Center is a beautiful, modern facility offering short-term rehabilitation programs, respite care, complete medical and skilled nursing care.
Seacoast is a member of Lahey Health Senior Care, a not-for-profit organization dedicated to meeting the healthcare needs of North Shore residents by offering a complete continuum of care comprised of the highest quality nursing, rehabilitation programs and services.
292 Washington Street, Gloucester, MA 01930 978-283-0300
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High quality skilled nursing care is provided 24 hours a day to all residents of Seacoast. Services include:
While Seacoast provides comprehensive inpatient rehabilitation services for a wide range of conditions, our clinical expertise allows us to provide specialized rehabilitation programs for the following:
The Rehabilitation department performs comprehensive evaluations as ordered by the physician to develop appropriate goals for patients to return to their prior level of function. Rehabilitation programs typically utilize some combination of physical, occupational and speech therapy.
In additional to utilizing traditional therapeutic approaches, Seacoast's rehabilitation staff has advanced training and employs state-of-the-art technology including:
Seacoast has been a preferred provider of short-term inpatient rehabilitation to residents of the North Shore for many years. Seacoast has an exclusive short-term rehabilitation unit and utilizes an interdisciplinary team approach to develop individualized plans of care. Highly skilled, physical, occupational and speech therapists provide aggressive therapy utilizing state-of-the-art equipment and modalities to help decrease pain and restore function.
It is our priority to respond as completely as possible to meet all of our residents' needs. To that end, Seacoast is pleased to offer the following additional services to our residents:
The specially designed building has a handsome, brick exterior and views of the natural beauty that surrounds the Gloucester community. Seacoast offers private and semiprivate oversized accommodations with cable television service and residents are encouraged to bring personal mementos to help make their surroundings feel more like home.
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Since the onset of the Hospital Safety Score in Spring 2012, the publicly available data showed Beverly Hospital and Addision Gilbert Hospital have consistently exceeded the standards of other medical institutions in terms of patient safety procedures in place, earning them both a Straight A's distinction.
Copyright © 2007-2014 Beverly Hospital | 85 Herrick Street, Beverly, Massachusetts 01915 | 978.922.3000 |


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Going native – that is, native iOS app – does not mean having to go crazy. A simple approach to tablet edition design can work even better sometimes than throwing in all the bells and whistles into an app.
One of the newest additions to the Apple Newsstand, released last night, is from America's Test Kitchen. Cook's Country Magazine is the second tablet edition from the company – the first being Cook's Illustrated Magazine.
Recipes are reached through a link found in the story.
The first issue found inside the new app is for the October/November issue and weighs in at 583 MB. The download is fairly swift, though one wouldn't want to download any digital magazine larger than 100 or 200 MB while waiting at an airport.
Despite the fact that the parent company has loads of video one won't find video in this tablet edition, something many cooking magazines are missing (and therefore creating a good opportunity for digital start-ups).
But this app's approach to navigation is perfect for cooking. Most stories contain three layers of content: the first is the story, the second is the recipe, and the third is what the magazine calls "cooking mode". As a cook myself I love the way this is designed.
I have three issues with the app, though.
The first, of course, is the lack of video. With the issue already at 583 MB one can see that adding video would be probably make the app unacceptable large (it is probably as big as it is due to support for retina displays). So let's move on to the other objections.
The second is that there is no support for landscape. Again, because the app editions are already so large one could dismiss this objection. But most iPad cases/stands, including Apple's own products, support landscape only. Most cooks, therefore, would want to use a cooking app or magazine in landscape.
The third objection, though, is the one that will generate the most complaints inside the App Store: print subscribers must pay again to access the issues.
The publisher explains their reason for charging for digital magazines on the company's website:
At this time, there is no discount for the app for iPad subscription for current print subscribers. Unlike most publishers, which are mostly concerned about selling advertisements, Cook's Illustrated does not accept any advertising or promotional revenue. We are 100% ADVERTISING FREE, and rely on the revenue from our magazine subscriptions and single issue sales to support our product. Considering the costs involved in creating, maintaining and updating our magazine on the iPad, we have no choice but to charge for subscriptions.This sounds reasonable, though I'm sure that if I were a print subscriber I'd still feel a bit ripped off. But it certainly is nice to see the publisher explaining their position clearly.
Readers want to subscribe to Cook's Country Magazine inside the Newsstand supported app will pay $1.99 per month or $19.99 per year. How this exactly works for a bi-monthly though is a little unclear to me. (Does this mean that issues actually cost the reader $3.98 per issue?) Individual issues can also be purchase at $4.99 per digital edition.
The app offers a free trial, as well, which will allow you to download the latest issue and check it out yourself.


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On my C650GT, there is a leak at the seam between the two pieces that form the case of the final drive.
After about 100 miles, I noticed oil drops on the garage floor and the underneath side of the final drive was oily.
I took it back to the dealer and the mechanic tightened the bottom bolts; he told me four of them were really loose.
Not more oil drops on the floor, but still some oil seeping out all around, top and bottom.
Anyone else has seen this?


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Strawberry Blueberry Mini Cheesecake Trifle
This Strawberry Blueberry Mini Cheesecake Trifle recipe is surprisingly simple… and simply delicious!
One of my favorite things about summer is the availability of delicious, fresh fruit!
Fruit is such a beautiful accent to many desserts, and in the case of these red, white and blue trifles, fruit is the perfect way to add color!
To compliment these fresh summer berries, I whipped up a fluffy, no-bake cheesecake (from my Cherries on a Cloud recipe).
The result is a red, white and blue treat that comes together in under 30 minutes and is just so perfectly cute!
Mini Cheesecake Trifle
Yield: 6-7 Mini Desserts, or 4-5 moderate sized desserts
This fluffy, no-bake cheesecake dessert is simple to prepare, and is delicious accompanied by fresh berries.
Graham Cracker Crumble
1 1/2 cups graham cracker crumbs (about 10 full sized crackers)
1/3 cup butter, melted
1 Tablespoon sugar
Fluffy Cheesecake
1- 8oz block cream cheese
1/2 cup powdered sugar
2 teaspoons fresh lemon juice
2 tablespoons milk (any fat content)
2 cups cool whip, or freshly whipped cream
Fresh berries (strawberries and blueberries shown)
Graham Cracker Crumble
Crush crackers in a large ziplock type bag. Pour crumbs, sugar and melted butter into a bowl and stir until fully combined. Pour into a 9″x13″ casserole dish and press into a even layer. Bake at 350*F for 10-12 minutes, until light brown. Allow to cool.
Fluffy Cheesecake
1. Beat cream cheese in the bowl of an electric mixer until smooth. Add powdered sugar, beat to combine. Add lemon juice and beat until fully incorporated. Add milk, and combine.
2. Fold cool whip or feshly whipped cream into cream cheese mixture. Spoon into dessert dishes, or for smaller dishes, fill a large piping bag and pipe into dessert dishes.
Dessert Assembly
To create the dessert as shown, layer a spoonful of graham cracker crumble, then a layer of cheesecake, fresh chopped strawberries, more cheesecake, fresh blueberries, and a final layer of cheesecake.
Note- Using the proportions listed above, you will likely end up with extra graham cracker crumble. Store the remaning crumble in an airtight container up to a month.
Recipe source- Glorious Treats (based on Cherries on a Cloud)
The desserts shown are in 5 oz juice glasses (from my local grocery store).
In place of Cool Whip I used an all natural version I discovered at Whole Foods Market, Truwhip, and was very happy with it!
Fresh, organic berries provided by Whole Foods Market.
Mini wooden spoons from Garnish. The bakers twine is from The Twinery.
Looking for more red, white and blue treats? Use my newly organized Recipe Index and view all of my 4th of July Recipes and Ideas.


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It's 50f at night now.
My windows stay open.
Who wants to come over and snuggle under four blankets?
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Book Direct with the Owner at Elvina Bay Australia with New South Wales Tourism Agent in Elvina Bay, for all your Dining, Dancing and things to do.
Address: Lower Fort Street, Dawes Point NSW 2000
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copyright © 2020 New South Wales Tourism . All rights reserved.


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A West Haven, Connecticut, man has been sentenced to seven years in prison for masterminding a phishing scheme that targeted AOL users over a four-year period.
Michael Dolan, 24, was sentenced Wednesday in Connecticut federal court. The seven-year sentence was the maximum he could have received, said Assistant U.S. District Attorney Edward Chang, via e-mail. Dolan was also sentenced to three years' supervised release, and a US$200 special assessment, he added.
Last year Dolan pleaded guilty to fraud and aggravated identity theft charges.
Federal prosecutors had argued that he masterminded a scam in which he and five other men harvested thousands of AOL e-mail addresses and then infected victims' PCs with malicious software that would prevent them from logging on to AOL without entering their credit card numbers, bank account numbers and other personal information. The scam ran between 2002 and 2006, prosecutors said
All of the defendants have pleaded guilty. Another defendant, Keith Riedel, is set to be sentenced Thursday.
Victims would receive fake e-mail greeting cards that would silently infect their computers with the log-on software, according to a grand jury indictment. They were also spammed with phony e-mail messages that claimed to have come from AOL's billing department.
"Due to a central server meltdown, your credit card information was lost," one such e-mail read. "In order to enjoy your AOL experience and keep your account active, you must enter your credit card information within 24 hours."
Some of the fake greeting cards claimed to come from Web sites such as Hallmark.com or BlueMountain.com. Proceeds from the crime were used to purchase gaming consoles, laptop computers and gift cards, the indictment states.
In court filings, Pickerstein had asked for a lighter sentence, saying that his client suffered from "severe mental illness" and had made poor decisions following his father's suicide. He argued that there were probably less than 50 victims of the scam, and that victim losses were closer to US$43,000 -- far less than argued by the government.
His lawyer, Harold Pickerstein, declined to comment further on the matter on Wednesday.
Assistant U.S. Attorney Edward Chang painted a far different picture of the man, saying in a sentencing memorandum that Dolan has attempted to bribe a codefendant, threatened to kill someone he thought was a government informant, and suborned perjury from his girlfriend. "Michael Dolan is a born leader -- a leader of criminals," he wrote.
Dolan had previously admitted that the scam had netted more than $400,000 from 250 or more victims, Chang argued in the memorandum.
Before the AOL phishing charges, Dolan had previously been sentenced to two years of probation after pleading guilty to accessing a protected computer without authorization. He later was given nine months' jail time for violating his probation terms.


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When I was 5, I had a teacher, whom I now recognise was a fundamentalist Christian. Which actually is quite rare in the reasonably affluent, relatively liberal area of London I live in.
She used to talk regularly about the glory of God and Jesus, and how Jesus came down to save us all, blah blah blah. We've all heard it.
But the thing that got me was when she said we could communicate with god. She told my class that if we sat very quietly, we'd be able to hear God talking to us. When you're 5 you take your teacher's word on pretty much everything. I remember thinking that I'd never get that kind of quiet at school with all the boisterous kids, and that at home I'd struggle too, as I have a brother 2 years my senior with severe learning disabilities, who was normally making a racket.
However, one day my brother was out. I had my chance. I went up to my room and sat in silence and waited. And waited. And waited.
And then I knew. It was, as we say in England, utter bollocks. All of it.
I enjoy this story especially when people are preaching to me, giving it the old, "if you ask God sincerely to reveal himself to you, he undoubtably will". You don't get any more sincere than a 5 year old fully expecting to hear God talk to you. There's no comeback for them there.
As I've got older, I've never had any doubts. Not even close. I just cannot see how any serious minded person can believe any of the crap in any holy book you care to pick up. It's all so insane. I mean, Jesus, born of a virgin. Resurrected. Really? Mohammed, flew up to heaven on a winged horse. Really? Talking snakes. Men living in Whales. Really? Are you 6 years old?
I'm now loving the "new" atheist movement, and the attempt to rally the troops, so to speak, in the fight against religious fundamentalism, in all it's preposterous, irrational forms, whether it be Islamic fascists or the moronic creationists pushing their crap in class.
So here's to the continued rise of free thought, rationalism and humanism. We are slowly, but surely building a better world.
Nick T.
United Kingdom


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otevřený: Monday - Friday 09:00 - 21:00, Saturday 09:00 - 15:00
Apartment for rent in Ioannina of Ioannina Prefecture for 330€ (Listing No ΛΔ 148). Another property brought to you by Foititiko Spiti. Located in the administrative area of Ioannina, region of Ioannina Prefecture, this property is now available for rent. This apartment is built on the 4th floor and sized about 50sm. Constructed in year 2010, the building was finished on the highest standards of the Market which can be seen through the available photos accompanying the listing.
This property features 1 bedrooms, a living room, a kitchen and a bathroom.
View-wise, the property enjoys a great view. Sitting on the balconies you can enjoy the spectacular views at your own comfort. This property comes unfurnished with wood flooring.
Other features that the property enjoy, include: central heating system with thermopompos, aluminium joinery with double glass, elevator, balcony, painted walls, pestnets.
For avoiding inconvenience, please use the following reference number when contacting us referring to the above property: Listing No = ΛΔ 148. You can also use that to search for the property at the website www.foititikospiti.gr
Nezapomeňte nás sledovat na sociálních médií.


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>In general, the concern is focused on the possible formation of micro-bubbles in the bloodstream of all scuba divers. We often call these 'silent bubbles', which fail to produce any detectable symptoms, but are known to be present in the bloodstream of many divers. No one knows to what extent these bubbles could form in younger divers. Theoretically, these bubbles may obstruct blood flow in nutrient vessels to the epiphyseal plates, also called growth plates. This process may cause focal areas of avascular necrosis or angular deformity to the developing weight bearing long bones, particularly the femoral head, distal femur, and proximal tibia
>Young divers should stay within the guidelines of the junior divers program. This will limit their exposure to nitrogen, by restricting depth, time and number of dives as well as allowing for maximum surface intervals to promote nitrogen off gasing. Although the concern is theoretical, conservative dive practices are recommended for junior divers.


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Vikings Top Titans
The Vikings improved to 4-1 after a 30-7 win at home against the Tennessee Titans Sunday afternoon. Percy Harvin ran for a touchdown in the first half and had 8 catches for 108 yards including a 2nd half touchdown catch. Adrian Peterson ran for 88 yards on 17 carries and had 3 catches for 15 yards. Christian Ponder threw for 258 yards and 2 touchdowns with 2 interceptions. The 2 interceptions for Ponder are his first 2 of the season.
Kyle Rudolph caught a 15-yard touchdown in the 2nd half for Minnesota. The Vikings outgained the Titans 433 yards to 267. Minnesota improves to 4-1 while Tennessee falls to 1-4. The Vikings will play at Washington at 3:25 Sunday afternoon, pregame on WJON at 2:00.
Hear more about the Vikings today at 12:35 live on AM 1390-the Fan on the Leslie Frazier Press Conference from Winter Park.


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- Price: $100
- Posted: 24 November 13
- Expire: 08 December 13
- Age & Sex: M/F 25-54
A nationwide research marketing business firm searching for persons for an upcoming Paid Focus Group Study on Cooking. Contributors Male and Female ages 25-54. This focus group study will takeplace the week of December 9th at many times in Bala Cynwyd.
Contributors will be rewarded 125 of their time period. All concerned contributors must response a series of screening queries online to be sure they meet the requirements and can be listed.
Online Response the Queries. Click through to authorization and proceeds the Eligibility Survey to understand if you are capable to join. If you are not presently member of FocusPointGlobal, you must register a profile for free and then continue to survey.


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The Competent Person Refresher Class allows students to review and apply the materials covered in the standard Competent Person Class.
Students will reexamine current fall safety regulations, best practice methods of using fall protection equipment, and effective methods of predicting and eliminating fall hazards.
To learn more about this course, visit our Competent Person Refresher Training page, where you can also download a full training course catalog.
To learn more about this training location, including an interactive map, click the location name listed above.
Fall Protection Awareness Training
Competent Equipment Inspector Training
Confined Space Awareness Training
Confined Space Entry / Rescue Training
Confined Space Entry / Non-entry Rescue Training
Or want to learn more about scheduling a private class? Contact our Training Department


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Debunking the myths of mindfulness
Some of the popular ideas about mindfulness, including the practice of mindful meditation, are just plain wrong. Here we separate what's true, from what's not true.
Myth #1: It's about stopping thoughts
Meditation doesn't mean not thinking. It's actually about getting familiar with how your mind works. Once you see this process in action, you won't stop having thoughts, but those thoughts might not control you so much.
Myth #2: It's selfish
It's true that meditation is about you watching your thoughts, but it's not selfish. Regular practice can help you listen better, pay more attention to the needs of others, and be present with your loved ones. In this way, your mindfulness can be a gift to the other people in your life.
Myth #3: It's an escape from the real world
Nope. Instead, mindfulness makes things more real. You begin to see how your thinking shapes your view of the world. And you learn how your thoughts affect what you do. It's a journey within, one that helps you see everything more clearly.
Myth #4: It's only for laid-back people
Everyone, no matter who they are, needs time to relax, refill one's batteries, and think about what's going on in one's life. Mindfulness is one of the best ways to give your mind a rest — and come back fresh and ready to take on new challenges.
Myth #5: You lose your edge
Mindfulness is not about spacing out. Instead, you train yourself to pay closer attention than usual. You become more focused in every area of your life. Meditating can actually help you to get into "the zone" and stay there longer.
Reviewed by Kaiser Permanente Clinical Ambassadors, including Mark Dreskin, MD, Sharon Smith, LPC, and/or David Kane, LCSW. September 2018.
This information does not replace the advice of a doctor.
Not all treatments or services described are covered benefits for Kaiser Permanente members or offered as services by Kaiser Permanente. For a list of covered benefits, please refer to your Evidence of Coverage, Summary Plan Description or other coverage documents. For recommended treatments, please consult with your health care provider.


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VIENNA (Reuters) - Telekom Austria Chief Executive Hannes Ametsreiter said on Friday he did not expect key shareholder Carlos Slim's America Movil to make any unfriendly moves towards the Austrian company.
"The Mexicans have shown themselves to be good partners. One thing I think they won't do is to act in a hostile way. I think you can rule that out," he told the Gewinn Messe retail investor fair.
He added he did not know if America Movil intended to increase its near 23 percent stake.
Speculation about a potential move on Telekom Austria emerged after America Movil dropped its takeover offer this week for Dutch group KPN, the other company Slim had targeted as a bridgehead for expanding into Europe.
Telekom Austria shares were down 1.4 percent at 6.271 euros by 1235 GMT, while the Stoxx European telecoms sector index rose 0.5 percent.
Asked about prospects for a capital increase, Ametsreiter said: "The issue does not arise at the moment," adding such things were communicated only when decided.
He was speaking after sources close to the situation told Reuters the company was unlikely to use a quick capital increase to finance its purchase of next-generation mobile frequency spectrum in its home market.
"Telekom has no short-term financing problems. There is enough liquidity available," said one source who spoke on condition of anonymity.
"A capital increase is not a topic for the short term," another source added.
Bids for Austria's new telecoms frequencies had approached 2 billion euros ($2.73 billion) by the time the auction - now nearing its conclusion - entered its fourth week.
The final cost of purchasing the frequencies remains a secret. Results of the auction are expected next week, people familiar with the process said.
Some analysts have expected a high auction price to trigger a capital hike at Telekom Austria, which the market had expected to spend around 300-400 million euros on the auction.
Reporting by Angelika Gruber and Michael Shields; Editing by Greg Mahlich and David Evans


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We already know Britney Spears, Taylor Swift and Rihanna make some serious bank.
But according to Forbes, these three fierce femmes actually make the most in the music biz.
Forbes debuted its list of top earning women in the music industry in 2012 Wednesday and Brit-Brit tops the list, raking in a cool $58 million (thanks, in part, to her $15 million "X Factor" payout, wildly successful Femme Fatale album, and a new fragrance with Elizabeth Arden) followed by Taylor Swift ($57 million) and Rihanna ($53 million).
U.S. & World
The day's top national and international news.
You can be Britney's neighbor for $15 million!
This is Swift's second consecutive year in the no.2 spot. She's earned millions on her insanely popular tour, has a successful deal with CoverGirl cosmetics and her fourth studio album, Red, has already gone triple platinum. Oh, and did we mention she's only 22?
Lady Gaga--who earned the top spot in 2011--came in fourth this year with $52 million, followed by Katy Perry who cashed in a $45 mil.
And despite her highly publicized (and often nude) antics, Madonna earned a spot on the list, coming in at no. 9 with $30 million.
Check out the full list at Forbes.com and then hit the comments to share your thoughts!
It hasn't always been smooth sailing for Britney Spears...take a look back at her life from American tragedy to comeback queen


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Rudyard Kipling
Rudyard Kipling (30 December 1865 – 18 January 1936 / Bombay)
» Click to list general statistics » OR, select a date :
The Legends Of Evil
This is the sorrowful story
Told when the twilight fails
And the monkeys walk together
Holding their neighbours' tails: --
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The Rules: Yu Darvish Pun Edition
With the Japaranian sensation Yu Darvish making his Big League career official by signing with the Texas Rangers, I thought it appropriate to lay down some ground rules for the inevitable onslaught of awful puns that are certain to tattoo newspapers and interwebs around the world.
*Note: All italicized examples come from Lone Star Ball's Yu! Darvish Pun Sweepstakes, and commenter credit appears parenthetically.
Number One:
Yu can't Yuse Yu as in "You" unless Yu're clever about it. The proceeding sentence may or may not constitute "cleverness". But I can assure Yu old, crotchety sports columnists (ahem, Phil Rogers) are going to think they're so cool by substituting "Yu" for "You" and slapping it on a headline. It's like pornography, Yu know it when Yu see it (rooster).
Number Two:
Flip the script. Surprise us with just how clever Yu can be. Don't settle for the easy route. Dravish highlights are ridiculous. Yu should YuTube them (Gay for Feliz).
The most important rule when Yutilizing Yu puns… MAKE US LAUGH. Even if Yu have to pull a Hollywood and recycle old gags, just make sure they work.
So, Who's on first, What's on second and I don't know's on third – I get that.
And the pitcher is . . .?
No, Yu.
That's what I said, Me!
No Me is catching.
Proper grammar is I am catching.
No I's the manager, the catcher is me, and the pitcher is Yu!
I can't pitch!
Exactly, and Yu will pitch to me. Now you've got it.
(Evil Monkey)
Yu can hate me all Yu want, Yu just can't hate me 'cuz I'm right in the Yuniverse.


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DRACUT – Bob Conroy still doesn't know what he wants to be when he grows up.
At an age when most people would be considering retirement, the 64-year-old Dracut resident is wondering what he should do next. In 2004, after losing his long-held job as a graphic engineer, Conroy began publishing "The Pink Slip" comic strip, which appeared weekly in The Sun. It was a huge success.
During that time, he was also drawing editorial cartoons that would show up in other publications. He put the comic strip aside in 2009 to devote his efforts to the editorial cartoons. His work has appeared in more than 300 publications and newswire services on the Internet.
But deep-seated personal convictions prompted him to step away from his pens, pencils and storyboard in 2011. He has dedicated the past year to mastering the guitar, an instrument for which he's always had an affinity.
Conroy, who is married and has three daughters — the youngest is a junior in high school — is considering reviving "The Pink Slip" comic strip in some incarnation. If he does, he says, he'd like to see it go into syndication.
Or he may decide to grab his guitar and become a singer in a rock 'n' roll band. There's still plenty of time to decide.
Q: Why did you stop drawing editorial cartoons?
A: "There were other things I wanted to do and I was in a financial situation where I didn't have to worry too much. I felt that I was using the cartoon to shred people and situations that I really didn't know anything about. I started feeling like a loose cannon out there just firing to hear the bang and not thinking about the ramifications the drawings might have.
"As the cartoon began to get more popular and I started seeing some of the comments, I decided I needed time to readjust and I asked myself if I really wanted to keep on doing this. I did some soul searching and had to decide what was worthy of attacking and what was worthy of being left alone. So I started spending a lot of time on the guitar."
Q: What was one of the toughest things you've ever done in terms of political cartoons?
A: "I drew President Obama with a bomb directly over his head about to land on him. It was called 'ObamaGates' and came right after the president said the Cambridge police 'acted stupidly' following the arrest of (Harvard professor) Henry Gates. It was a powerful, heavy cartoon and I think it spewed out the wrong message. I'm not like that. I'm not a malicious person. The cartoon received a lot of positive comments and I think that bothered me even more. It was kind of nasty."
Q: Where do your ideas come from?
A: "When I was doing 'The Pink Slip,' my ideas came from the events in my life, getting let go from a job I loved, and it kind of evolved to things that were happening in my household with my family. A little exaggerated for comic effect, but not too much.
"The ideas for the editorial cartoon come from global situations that are in the news. I would try to get a worldview of things that were happening because many of my cartoons were featured on the European Worldwide News Service. But it always reminded me of parts of the human body. If you do something to one part, if affects all the other parts. If something happens in England it affects what happens in Japan or New Zealand or the United States."
Q: What comes first, the message or the drawing?
A: "The message comes first usually. For me anyway. I'll get the idea and the drawing and the idea kind of evolve together. Sometimes it may go the other way. I'll wake up in the morning and I just want to draw something. I once drew a big black bear for no particular reason. Several months later, around Thanksgiving, I drew some Pilgrims hunting and as they were being chased by the bear the caption says, 'Hey, let's just go with the turkey this year.'"
Q: Do you envision yourself playing the local coffee house circuit?
A: "Oh, I'd love to. Absolutely. I have a few friends who are excellent singers and excellent musicians but trying to get us all together at the same time is really difficult. I'd love to find a female singer who sounds like Alison Krauss. My youngest daughter (Meredith) has an unbelievable voice by so far she's been resistant. I know she has a lot of schoolwork and a lot going on, but I'd love to be able to perform with her. Maybe someday. Who knows?"


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Flight Behavior by Barbara Kingsolver '77 "A Terrifically Entertaining Read": USA Today
November 14, 2012
"With her flaming red hair, the unlikely but irresistible heroine of Barbara Kingsolver's wonderful new novel about climate change and endangered butterflies comes blazing across the page in a burst of outsized personality that will have you hooked from the first paragraph," opines USA Today's Jocelyn McClurg. Flight Behavior, the latest book by Kingsolver, a 1977 graduate of DePauw University, was released last week.
McClurg calls the work "a terrifically entertaining read about a spirited young woman you'll miss the minute you reach the last page."
Access the full review at the newspaper's website.
Kingsolver, who majored in zoology (biological sciences) at DePauw and is a 1977 graduate of the University, had her first novel, The Bean Trees, published by HarperCollins in 1988. She received the National Humanities Medal in 2000. Her last book, The Lacuna, received the UK's Orange Prize and the Library of Virginia's 13th Annual Library of Virginia Literary Award for fiction. Her other books include Animal, Vegetable, Miracle: A Year of Food Life; Prodigal Summer; and The Poisonwood Bible, which was a finalist for the Pulitzer Prize and won South Africa's National Book Award.
Barbara Kingsolver delivered the 1994 commencement address at DePauw, and was also awarded an honorary doctoral degree during the ceremony. Access an MP3 of the complete address, which was titled "As Little Advice as Possible," here.Back


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Education: BS, Rensselaer Polytechnic Institute, 1971
MD, The Albany Medical College of Union University, 1971
MPH, The Johns Hopkins University, 1977
ScD, The Johns Hopkins University, 1986
Residency: Pediatrics, Children's Hospital of the District of Columbia, 1972
Pediatrics, Boston City Hospital, 1976
Assistant Professor of Pediatrics, University of Connecticut School of Medicine
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After careful preparation, Connecticut Children's is excited to welcome your child back for many surgeries, procedures and in-person appointments.
As you resume this important face-to-face care, you can count on us to keep your child safe and sound every step of the way. Learn about our enhanced safety program, Safe and Sound.
Call your child's specialty clinic today to schedule a surgery, procedure or appointment, or to schedule a Video Visit.
*Please note our current visitor restrictions.


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Liberty won its fifth Big South Conference championship in the last six years. The Flames finished with a 6-5 overall record (5-1 BSC), the team's seventh-straight winning season.
A 33-14 win over VMI capped Flames Head Coach Turner Gill's first season at Liberty and pushed the Big South title into a three-way tie. Coastal Carolina (7-4, 5-1 BSC) and Stony Brook (9-2, 5-1 BSC) shared the crown with Liberty. Coastal earned the automatic bid to the NCAA FCS Playoffs based on a series of conference tiebreakers.
This year's senior class finished their careers at Liberty as the fourth winningest class in program history (29-15) with three Big South titles (2009, 2010, and 2012) and a 20-4 Big South record.
For the second year in a row, Liberty wide receiver Pat Kelly was named to the Capital One Academic All-America Football Division I first team, as selected by the College Sports Information Directors of America (CoSIDA). This is the top collegiate academic honor that an NCAA student-athlete can earn.
The senior has maintained a perfect 4.0 GPA in his pursuit of an exercise science degree. He is the second Liberty student-athlete to be named to multiple CoSIDA Academic All-America first-team listings and the 18th student-athlete in athletics department history to be named to the lineup.
Women's Volleyball
The Lady Flames volleyball team won its conference-record seventh BSC title with a 3-1 finals victory over Coastal Carolina.
Liberty entered the conference tournament as the top seed after posting a 22-7 (12-2 BSC) regular season record. The Lady Flames have won a program-record 21 conference home matches in a row.
The season ended for the Lady Flames in the first round of the NCAA Division I Women's Volleyball National Championship after a hard-fought loss to No. 8 Minnesota. Liberty fell in three straight sets, but pushed the final set to 34-32, the Lady Flames' longest set since the 25-point rally-scoring format began in 2008.
Cross Country
Liberty swept the Big South team titles at the Big South Men's and Women's Cross Country Championships in October.
Redshirt senior Jennifer Klugh won her third consecutive Big South women's individual crown. Klugh went on to place sixth in the women's 6K race at the NCAA Division I Southeast Regional Cross Country Championships, qualifying for nationals. She led the Lady Flames to finish 15th out of 37 teams. The men's team finished seventh out of 34 squads, their best finish since 2008.
At nationals, Klugh wrapped up her stellar collegiate career by finishing well within the top half of the 253 women's finishers in the 6K race, her first NCAA national meet appearance. She marked a 93rd-place finish.
The Liberty Flames archery team brought home national titles in two events at the U.S. Collegiate Archery Association 3-D Archery National Championships in Columbia, Mo., Oct. 19-21.
More than 100 archers representing 19 schools took part in the three-day competition.
This was Liberty's second time at nationals, after the Flames claimed titles in three events last year.
Freshmen Ian Rigney and Robert Castello teamed with senior Alex Blake to win the Men's Team Compound title, defeating Cumberland University in the final.
Rigney, of Gretna, Va., claimed the title in the Individual Men's Compound Division, making him the second-straight Liberty archer to do so. Blake, who finished third, won the title last year.
Women's Hockey
The Lady Flames Division I hockey team capped a hard-fought fall season by earning the top spot in the American Collegiate Hockey Association rankings going into Christmas break, improving upon its previous third-place rank.
Liberty (14-1-0) concluded the 2012 block of its season on a six-game winning streak, outscoring opponents 26-4.
The Lady Flames are currently playing through the second half of their season, eyeing the ACHA national tournament March 6-10 in Washington, D.C. Follow the team at www.Liberty.edu/CampusRec/ClubSports.
Men's Soccer
Before falling in the Big South Conference Championship quarterfinals, the Flames men's soccer team went unbeaten in nine-straight games.
Liberty, defending BSC champions, earned the No. 3 seed in the tournament after posting a 6-1-3 conference record.
Flames defender Greg White was named to the 2012 Big South men's soccer all-conference first team. Forward Kyle Breitmeyer, defender Uriah Bentick, and midfielder Richard Nyarko received second team recognition.
Field Hockey
The Lady Flames won the NorPac Eastern Division title in its first season of competition in the conference. The crown capped a program record six-straight wins and a 14-5 (7-1 NorPac) regular season record.
Liberty extended its record-breaking win-streak to eight in the NorPac Tournament, where the No. 1 seeded Lady Flames beat Pacific 2-1 in an overtime thriller and then Davidson in the semifinals 3-1. Liberty lost 3-0 to Stanford in the title game.
Liberty freshmen Natalie Barr and Sarah Gipe, along with head coach Jodi Murphy, were awarded NorPac season honors at the NorPac Field Hockey Banquet. Barr collected the East Division Offensive Player of the Year award, while Gipe earned the Maria Whitehead Rookie of the Year honor. Murphy was tabbed Co-Coach of the Year with Stanford's Tara Danielson.
Barr was also named to the 2012 Longstreth/National Field Hockey Coaches Association Division I All-South Region second team.
Members of the Liberty Flames triathlon team competed on the world stage at the World Age Group Triathlon Championships Oct. 14-22 in Auckland, New Zealand.
More than 2,500 of the world's best amateur athletes represented more than 40 countries in their respective age groups at the competition, part of the International Triathlon Union Triathlon Series Grand Final.
Parker Spencer, a senior from Lynchburg, Va., finished eighth in the 20-24 Sprint Race completing the course in 1 hour, 8 minutes, 1 second. Spencer finished only 3 minutes behind winner Michael Parsons from Great Britain, and was the top American finisher in the race.
Joseph Anderson, the only American competing in the 20-24 Olympic Race, finished 42nd in 2:24:54. Anderson came into the event off of a banner fall collegiate season, winning all three of his races, including the Mid-Atlantic Collegiate Triathlon Conference championship in Columbia, Md., Oct. 7.
Beth Frackleton, head coach of the Flames triathlon team, competed in the 50-54 Sprint Race, finishing 19th in 1:29:38. Frackleton was the third American finisher in the race.
- Follow Liberty's 20 NCAA Division I athletics programs, as well as Club Sports and Intramurals, at www.Liberty.edu/Athletics.


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Bluetooth Headset for Emo Kids! (2008-07-16)
If you think that grumpy is the new happy, and My Chemical Romance is never off the playlist on your iPod, then you might want to take note of this rather special bluetooth handsfree kit that has been installed into an airsoft gun. That's right, you can look like you're about to do yourself over while answering a call to you mother-in-law at the same time, with this imaginatively named iGiveup bluetooth headset. The speaker has been installed into the end of the barrel, with the grip holding the mic and the trigger functions as the call button. The guy who created this have also painted it white to make it more like an "i" product (I guess you would get less attention on the streets also). Check out the video below.
Ok, here comes the serious part:
Although it is a seriously cool invention and quite amusing, we do not necessarily condone making a bluetooth headset out of an airsoft gun nor pointing a gun (airsoft of not) at ones own head.
You might want to check out:
You can find out more from the Instructables website here


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Grade Level: 6-8
Interest Level: 5-12
Reading Level: 2.8
Written by teens...for teens, this timely and relevant story is sure to engage struggling readers with high-interest topics about real-life situations, friendship, and sports.
This 16-page story was written by a high school student as part of a class writing project. The stories were then adapted to fit a low reading level. Several factors were taken into account when the story was written: relaxed readability, simple sentence structure, selective vocabulary, and interesting plots. Simply print the storybook, double-sided on eight pieces of paper, fold, and you're ready to read!
Improved reading ability and comprehension can lead to increased self-esteem. We hope that this story will help students not only strengthen their reading skills but boost their self-confidence as well, both in and out of the classroom.
Activity Pages
The included activity pages are designed to build skills in grammar and comprehension. Students are asked to identify parts of speech, find the main idea, uncover facts, and draw conclusions. Small group discussion and independent writing activities have also been added as extensions of the reading process.
Great for small groups, literacy centers, or individual students!
Contents Include:
- 16-Page Storybook
- 7 Follow-Up Activities
- Answer Key
- To the Teacher
- Printing Instructions
Skills Include:
- Draw inferences
- Determine theme
- Find the main idea
- Compare and contrast point of view, characters, setting, or events
- Describe point of view
- Use details from text to support answers
- Determine the meaning of words in text
- Write opinion pieces
- Support opinions with facts and details
- Use reference materials (dictionary, glossary, thesaurus)
- And more!
This is a Compressed Zip File. Be sure that you have an application to open this file type before downloading and/or purchasing. Each of the eBooks in this bundle is a whiteboard-ready PDF. You will need to have the current version of Acrobat Reader® installed on your computer. If you do not have Acrobat Reader® click here to get it for free.
- Stock: In Stock
- Model: EREM 5020D2s