Navigating the retirement policy landscape, wealth planning and asset protection strategies, Health Savings Accounts, and 401(k) plans.
Before spending a lot of time and money traveling down that road, you should ask yourself these key questions. You'll want to consider your competitive position, cost of capital, control, culture and process.
CFOs need to build financial teams that support the skills needed to become key members of the management team.
Beyond the basics, the finance organization needs to be a driver in implementing new technology to better manage financial and business information throughout the organization.
This webinar will show you how to optimize results in today's dynamic interest rate environment.
Find out how to separate a bank that creates and maintains relationships from one that is a relationship bank in name only.
It's important to separate a bank that is consistent in maintaining relationships from one that is a relationship bank in name only. Here are five questions to ask yourself when it's time to change your banking relationship.
What Will 2019 Hold For The Economy?
PNC economist Gus Faucher presents an overview of market and economic trends to aid in your 2019 planning.
PNC economist Gus Faucher discusses housing, employment, manufacturing, market trends and more in this brief video.
Our economic and investment strategists share their perspectives on how the November election results could impact financial markets and your portfolio.
Watch this webinar to understand the political backdrop in the United States, tariffs & anxiety over international trade, interest rates, the Fed and more.
Geese prices are flying high, while the labor market is tight for Lords-a-Leaping. French hens are holding steady.
PNC's quirky and highly anticipated Christmas Price Index predicts the seasonal price of the gifts listed in the "Twelve Day of Christmas." Find out what the 35th annual analysis says about swans, gold rings and turtledoves.
Tips for planning for the life cycle of your equipment.
Effectively managing your company's capital equipment program is closely tied to managing the long-term growth and profitability of your company. Obtaining the right equipment at the right time and managing its useful life in conjunction with the needs of the entire organization can make a big difference in your company's long-term financial performance.
Many payers find themselves well-situated to play a central role in solving healthcare's thorniest problems. Review the research.
The U.S. healthcare industry is under tremendous pressure to reduce costs while improving health outcomes. Payers are reimagining themselves for a more influential role in the evolving healthcare environment.
How Will Election Results Affect Your Portfolio?
The U.S. economy and market performance have been strong so far in 2018. Will the markets like the midterm results?
Attend this exclusive webinar featuring PNC economic and investment strategists, plus guest speaker, Daniel Clifton of Strategas Research Partners, to hear how the November election results could impact the financial markets, and your portfolio.
Are You An Active or Passive Investor?
Find out how your portfolio could benefit from both active and passive investment in different ways and at different times.
One of the most debated topics in the investment management industry is the active-passive decision. Find out how your portfolio could benefit from exposure to both in different ways and at different times.
What Is A Relationship Bank?
Find out how important it is to work with a bank that is consistent in creating and maintaining relationships.
Most banks claim to be "relationship" banks. But are they? Is yours? And why does it matter? It's important to be able to identify a bank that is consistent in creating and maintaining relationships.
Do you take your car in for a state inspection or visit your doctor for an annual physical? Check out these reasons to give your finances the same kind of consistent attention.
Regular account or plan reviews can help you prioritize your goals and create an actionable plan to avoid potentially costly investment mistakes. With that in mind, here are five additional reasons you should review your financial situation annually.
The dynamics of business succession planning are broad, and they must be aligned and well-planned in order to have a seamless transition that meets your business and personal goals.
As you begin the journey toward a business transition, are you inundated with well-intentioned advice? Who should you turn to? Your attorney? Your accountant? A family member? Each may see your situation through a narrow and different lens which may produce contradictory guidance. Here are five questions to help get you started.
Now that your taxes are out of the way, add these eight relatively easy tasks to your late-spring-cleaning list.
Once or twice a year, there are a few things that need to be done around your home. Change the batteries in the smoke detectors. Replace the furnace filters. And perform a handful of rather important financial tasks.
Helping your employees prepare to retire comfortably on their own schedule has significant benefits for your company and for your workforce.
Helping your employees prepare to retire comfortably on their own schedule has significant benefits for your company and for your workforce. But women face unique challenges. Find out how you can address their issues proactively.
Being engaged in your work and working hard isn't the same as compulsive working that comes at the expense of your well-being and interpersonal relationships.
Being engaged in your work and working hard isn't the same as compulsive working that comes at the expense of your well-being and interpersonal relationships. Discover surprising ways to strike a balance.
We examine the shape of employer-sponsored healthcare plans, why companies struggle, and how they are coping with exploding healthcare costs.
Willow Research and PNC Healthcare conducted a study of senior level executives at U.S. companies who offer healthcare benefits to their employees. We examined the contours of employer-sponsored healthcare plans today, what companies are struggling with, and how they are coping with exploding healthcare costs.
Could Asset Based Lending Work for You?
With many banks still wary of investing in growing companies, ABL can provide strategic support with plans for growth, plus mergers, acquisitions and general refinancing.
With many banks still wary of investing in growing companies, ABL can help with short- and long-term capital needs. It offers companies strategic support with their plans for growth, plus mergers, acquisitions and general refinancing.
We provide some approaches to effectively and efficiently control your healthcare costs while still offering competitive and attractive benefits programs for your employees.
While both employers and employees typically benefit from lower premiums with an HSA-Qualified Health Plan, it is also important for employers to help employees prepare for their greater responsibility and decision-making roles in how their healthcare dollars are spent.
Is Your Bank Delivering for You?
The right questions can lead to a comprehensive vision and better solutions for your business.
The right questions can lead to a comprehensive vision and better solutions for your business that take into account the long term as well as the short term, and the local as well as the global. At PNC, digging deep to find relevant ideas is in our DNA, and it's the reason we're able to provide critical guidance others often miss.
Your lawyer, your accountant, your banker. Most companies know they need this trio of professionals in order to meet their business and financial goals.
Your lawyer, your accountant, your banker. Most companies know they need this trio of professionals in order to meet their business and financial goals. But too often, management turns to their banker only when they need financing or an upgrade to their treasury management tools.
It's important to review your existing planning documents, such as estate planning documents, pre- and postnuptial agreements, and business buy-sell agreements.
The recently adopted tax reform legislation will have a substantial impact on family wealth management decisions. Here we provide an introduction to key tax provisions contained in the new tax law and explore the opportunities and challenges they present.
Less than one-third of family-owned businesses survive the transition from one generation to the next. Start planning now with thought-provoking insights.
More than 50% of business owners in the United States expect to turn over their company to the next generation in the next five years, yet less than one-third of family-owned businesses survive the transition. Start planning now with thought-provoking insights.
Buy-sell agreements are key to business transition planning. Proper documentation can allow for continued success of the business by avoiding conflicts between business owners.
Buy-sell agreements allow you to express your goals as to how your business interests should be transferred in the future while creating contractual limits intended to allow those goals to be met.
We focus on three key areas for plan sponsors thinking about enhancing their pension risk outcomes.
2017 proved to be another volatile year for pension plan sponsors. The market environment combined with several regulatory updates may provide plan sponsors with some potential opportunities for 2018.
A recent study found strong evidence of the ubiquity of business aviation at America's leading firms. More than 90% of firms recognized for excellence used corporate aviation assets.
Business aircraft allow organizations to better leverage what is almost always their most important assets: their people. They do this by saving employee time and creating productive environments in transit, two things that are nearly impossible leveraging other forms of transportation.
People are living longer, presenting a number of financial opportunities and challenges. Find out how to plan for the long term.
People are living longer and more dynamic lives than ever before. While planning for a robust second act, so too must you build out your financial plans to allow you to have the resources to do all the things you want to do in retirement. Providing for what are likely to be much longer twilight years also means providing for the challenges of reaching old age.
The price of gold rings and lords a leapin' increased this year as did the pear tree – but not the partridge. Visit pncchristmaspriceindex.com for fun and educational features.
The PNC Christmas Price Index predicts True Loves will be on their merry way to a more robust and satisfying holiday shopping season this year. To purchase the gifts included in the classic holiday song "The 12 Days of Christmas," it will only cost 0.6 percent more than in 2016, according to the 34th annual holiday economic analysis.
Health savings accounts can help fund medical expenses in retirement. If you wish to retire early, they can help cover health care expenses before you are eligible for Medicare.
If you wish to retire before age 65, a major roadblock may be the ability to pay for medical expenses before you are eligible for Medicare. While premiums for health insurance other than Medicare are generally not qualified expenses, you can use HSA money for deductibles associated with the health insurance plan you do obtain as well as co-pays and prescription drug costs.
Whether your goal is to diversify while staying actively involved in the business or to execute on a complete sale of the business, an ESOP can accomplish either.
ESOPs provide owners with the ability to attain liquidity and address transition objectives in a tax advantaged manner. ESOPs provide flexibility and intangible benefits that are difficult or impossible to achieve with alternative exit strategies.
Many studies corroborate the notion that employee ownership yields positive outcomes for the company and benefits that employees can readily recognize.
There's still time to address year-end tax and financial planning. Here are nine possible tax-saving actions you can implement now.
Sometimes you don't get to your financial planning as early as you would have liked. The good news is, it's not too late to take some action. Here we provide a quick review of a few valuable income tax and estate planning strategies you might still use before year end.
More than $8.72 trillion has been invested in the United States in Responsible Investing strategies. Learn best practices.
The PNC Institutional Advisory Solutions® Investment Strategy Team has formalized its views on responsible investing for institutional investors. This summary discusses those views and key considerations for asset owners as they evaluate integrating responsible investing into the management of their portfolios.
How Long Will Treasurers Avoid Prime Funds?
Cash balances continue to remain high; there's a large investment in bank products and organizations have no plans to invest in prime money market funds. Could that change?
While much of the talk around money funds asks why corporates left, AFP's survey attempted to dig a little deeper. We asked practitioners what might entice them to come back. Would it be a stable NAV? Is it a certain number of basis points? Is it the uncertainty around it?
It's important to review your plans so they reflect your current status and wishes. Use our checklist to identify documents you might easily assess on your own.
Your advisors can help you map out the provisions of your will and any trust(s) and compare them with the beneficiary designations of any retirement plans, life insurance, and any other resources that might pass by any form of contract. Compare the results to confirm that, in total, they accomplish what you want.
Is 80/20 the New 60/40?
The 60% stock and 40% bond portfolio may no longer be sufficient to generate the returns required to meet the long-term goals of institutions and individuals.
As interest rates have decreased, investors have had to assume greater portfolio risk and asset class diversification to keep pace with their objectives. In 1995, an investor could earn a 7.5% return with a simple 100% fixed income portfolio. By 2015, investors needed a drastically more diversified portfolio, with fixed income shrinking to 12% of the total portfolio.
Are you facing international cash management challenges without uniform internal systems – and with thinly-spread local staff?
According to a 2016 Ovum survey of 200 treasurers in 23 countries, only 13% of multinational corporates can see their real-time global cash position. Treasury teams need to achieve a greater degree of centralization and regain control of their company's most important asset: cash.
We believe buy-sell funding has a "Goldilocks zone" of sorts in that parties to a buy-sell agreement will seek to find an optimal funding level.
Acquiring an appropriate amount of life insurance coverage, properly structuring ownership and beneficiary designations, and aligning the type of life insurance policy with the terms of the buy-sell agreement are critical to implementing a successful funding strategy.
A key to effective wealth management and family wealth transfer is recognizing the risks that threaten you and your family's wealth and developing strategies to minimize them.
Recognize the risks that threaten you and your family's wealth and develop strategies to minimize them. Disability, divorce and predators are just a few of the risks families face. A well-designed and well-administered trust is one of the most effective tools for managing life's risks and achieving wealth goals.
Gain market insights from research developed by PNC's Real Estate Market Analytics team by viewing this webinar.
Get an inside look at location and product concentrations; market rankings; product winners and outlook and opportunities in the market.
Trade negotiations, including changes to NAFTA and the uncertainties presented by Brexit make the need for foreign exchange risk mitigation more urgent than ever.
Evaluate current risk management practices, including the establishment of a hedge policy. Ensure that your internal policies and controls correctly account for risks. Update your management reporting systems to correctly list your FX exposures and hedging activity.
Many organizations are exploring how to better manage their retirement plan's investment lineup, control risk, and keep costs down.
Is now the right time to consider outsourcing your defined contribution plan's investment selection and monitoring? If you've already decided to outsource, how do you determine whether a nondiscretionary 3(21) or discretionary 3(38) fiduciary service is best suited to your needs?
PNC's economists forecast that the Federal Reserve will continue to raise interest rates throughout 2017 and beyond.
In order to reduce the impact of rising rates on borrowing costs, companies should develop and implement a comprehensive plan to manage their interest rate exposure. PNC speakers provide a perspective on how external factors may affect your financing costs and what you can do to regain control.
Pension plan sponsors face a volatile landscape that presents significant opportunities and risks, especially if they have a legacy defined benefit plan, or are considering a merger.
Healthcare systems are complicated organizations, managing their liabilities to maintain credit ratings in a competitive environment. Pension risk is a liability many systems face and several strategies available are highlighted in this article.
Despite the prospect of a higher interest rate environment, access and availability in the debt capital markets remain open and attractive in both floating and fixed-rate segments.
Banks maintain a solid appetite for new loans as we enter 2017; however, it remains to be seen if banks begin to become more selective in their investment decisions in the overall context of a rising rate environment coupled (potentially) with a less rigid regulatory environment.
2016 included a number of significant political and economic events that will usher in changes during 2017.
PNC's Harris Williams & Co. subsidiary (www.harriswilliams.com) is a leading M&A advisor with experience across a wide range of industries. Bill Watkins, Managing Director, and Larissa Rozycki, Vice President, discuss results from 2016 and the rationale behind predictions for 2017 M&A activity.
As 2017 begins, stock and oil prices are moving higher and economic outlooks for 2017 are being revised.
Economic growth will be faster in 2017-2018 with assists from consumer spending, construction spending, business investment and Federal government spending, more than offsetting weakness in U.S. exports as the dollar continues to strengthen and growth outside the U.S. remains slow.
Long a trusted resource for financial institutions, SWIFT also supports corporate treasurers as they face expanding roles and shrinking resources.
SWIFT provides messaging standards that define a common means of structuring data for a broad range of financial purposes, from cash management and foreign exchange to trade finance. Additionally, SWIFT provides a highly secure proprietary communication platform and products such as SWIFT FileAct, which supports the exchange of bulk files between corporates and banks.
Stocks and bonds are expensive relative to history, growth remains sluggish, and corporate earnings have been unable to gather sustainable momentum.
We remain in a difficult market to forecast, particularly regarding the complex interactions between what we see as the weak fundamental backdrop and how current monetary policy might affect the dollar, interest rates, and investor risk preferences.
You can find relief by improving management of invoice processing through payment.
Invoice automation can help you optimize the use of employee resources, significantly decrease the cost of processing invoices, help you capture vendor discounts more reliably and increase scale within your back office.
It's clear that corporations and individuals need to understand the risks and opportunities as an uncertain situation evolves.
Britain's Brexit vote upended expectations with 51.9 % of voters backing the "leave" campaign versus 48.1% backing "remain." The result sent shock waves through the markets and created an unstable political environment in the United Kingdom in the weeks following.
When planning for risk, start with the easiest and least expensive measures and work through the options, weighing whether each measure can address each risk appropriately.
Those who are perceived to have deep pockets present attractive litigation targets. Professionals and business owners are well aware of their risks. Many of these professionals can face malpractice claims, breach of contract claims, and personal injury claims, but there are a multitude of additional risks that professionals and employers confront.
Choices about caring for your elderly loved one have to be made in context of what they could mean to your long-term future.
The conflict of caregiving duties with work activities is intense: Six in 10 caregivers who worked full-time in 2015 also reported having to reduce hours or take a leave of absence. Some workers find they are able to better manage when they take advantage of workplace accommodations such as telecommuting, flexible hours and paid sick days.
Chart provides detailed information on Money Market Fund regulation considerations at a glance.
Intended to preserve the benefits of money market funds while increasing transparency and strengthening investor confidence, new regulations effective in October 2016 will require a re-evaluation of your cash management strategy.
The healthcare cost trajectory has significant implications for companies and employees today --and on retirement prospects for individuals down the road.
Changes in healthcare are monumental. It's hard enough for employers to understand the new landscape. It can be even harder for employees, leaving a significant gap in understanding between the two groups, particularly when it comes to retirement planning.
Whether you have made the decision to sell your business or are just exploring your options for the future, understanding the road ahead can mean the difference between success and disappointment.
Business sales are complex transactions that are influenced by many variables. Planning ahead can increase the likelihood of success and potentially enable you to navigate tax considerations. An experienced investment banker who is familiar with your industry can ensure that your business is positioned to achieve maximum value and that the sale process is managed properly.
Many American workers are not prepared to retire, no matter what age.
A study by the Board of Governors of the Federal Reserve System found only about 25% of individuals they surveyed were actively saving for retirement. The Fed study noted that the shift from defined-benefit plans to defined-contribution plans has placed greater personal responsibility on employees to plan and save for their own retirement.
Using a multi-track educational approach can teach participants the value of retirement plan participation and keys to staying on track.
Research suggests that plan sponsors are grappling with a conflict between the belief that they provide valuable participant education and the recognition that too many employees are not making informed decisions about their retirement. A deeper understanding behind this disconnect may be the first step in developing a more effective participant education approach.
An estate plan should be dynamic with changes being made as your life changes. This article may offer some guidance as to when you should review your estate plan.
With greater wealth comes a greater potential need to plan. Estate taxes may now be an issue and you may want to explore various estate planning strategies to reduce your taxes or minimize the impact of those taxes. You may also want to establish trusts for children and grandchildren to better plan for their future.
PNC Healthcare commissioned Shapiro+Raj to explore changes in the healthcare environment and their impact on providers, payers, and employers. Here are the findings of that study.
Millennials will shape the future of American healthcare. They seek change throughout the system. They embrace retail and acute care clinics. They take the most responsibility for their own healthcare. They spend more time researching online, finding providers and getting others' opinions and they will force much more change compared to Boomers and seniors.
Now that economic conditions appear to be stabilizing, many are re-focusing on improving their chances for a comfortable retirement. Some are taking a fresh look at their 401(k) plans.
Americans' confidence in their ability to afford a comfortable retirement has plunged to a record low. But these may mean a more realistic appraisal of the savings needed for retirement. Influenced in part by the recession and turmoil in the financial and housing markets, many are redefining retirement—including retiring later or crafting a "working retirement.
Certain individuals who are ineligible to contribute directly to a Roth IRA may be able to CONVERT traditional IRA and qualified employer-sponsored retirement plan assets to Roth IRAs.
If you are fortunate enough to have more than sufficient retirement income and assets, here's a strategy that can be a great way to transfer wealth to the next generation.Traditional IRA balances can be converted to Roth IRAs in part or in whole and there is no limit on how often this can occur.
Plan sponsors are in a unique position to help their employees become more retirement-ready by considering plan design changes as well as consistent, effective employee education.
With retirement savings taking a back seat to more immediate financial concerns, and the percentage of workers confident that they'll have enough money for a comfortable retirement at low levels, it's more important than ever for plan sponsors to consider retirement readiness as a key — if not the key issue — their employees are facing.
Risk can be defined as the possibility that your retirement assets will not provide for your essential living expenses. The retirement goal for most is to provide the cash necessary.
It seems more Americans are taking responsibility for managing their own retirement assets instead of relying solely on a pension. Many are also wondering how to fund the period after the traditional retirement age. Given these factors, we believe thinking about a retirement goal has never been more crucial.
In addition to expanded opportunity, international investing helps reduce portfolio risk through diversification. Allocations to non-U.S. stocks can reduce portfolio volatility.
International equity plays a critical role in a well-balanced portfolio. International stocks are a large and growing share of the global investment universe and offer investors the potential to capitalize on faster long-term growth trends abroad. There are also investment opportunities in industry segments that are dominated by non-U.S. companies.
Health Savings Accounts (HSAs) can reduce costs and encourage individuals to take greater responsibility for their health. Find out where they fit in today's healthcare environment.
HSAs are not entirely new, but are receiving greater attention today in relation to high-deductible health insurance plans and the Affordable Care Act. They are often viewed as a strategy for reducing healthcare costs and for encouraging individuals to take greater responsibility for their health and the cost of care.
The primary benefit of auto enrollment is that it works to overcome inertia for individuals who procrastinate or do nothing about 401(k) plan participation.
Automatic enrollment has been particularly effective in raising 401(k) plan participation levels of groups with the lowest contribution rates — younger and lower-wage workers, but some questions remain. As a plan sponsor, you should understand both the potential benefits and the limitations.
Professionals such as physicians, attorneys and business owners are at risk for liability and litigation. Those who are assumed to have deep pockets can become high profile targets.
Asset protection planning is an important part of a comprehensive estate and financial plan addressing an individual's risks now and in the future. Proper asset protection planning requires time, consideration and knowledge to fully integrate the planning holistically and effectively.
Your financial well-being, like your health, can benefit from regular checkups — but where to start? Here is a step-by-step plan to improve your financial fitness.
Pay yourself first. Create a budget. Pay down credit card debt. Prepare a personal net worth statement. Review your estate planning documents. Rebalance your investment portfolio. Review your insurance and your tax plan and seek guidance from a qualified wealth management professional to improve your financial wel being.
If you are a plan sponsor, you may be impacted by new executive initiatives, legislative proposals and a range of anticipated regulatory actions affecting retirement plans.
MyRA is a government-sponsored retirement account which is designed to be a starter account for Americans who have had difficulty saving for retirement. Eligible individuals whose employers agree to participate will be able to make myRA contributions via payroll deduction.
The first step in developing a solid 401(k) benefit plan is to create a request for proposal (RFP) that clearly describes a company's objectives and expectations.
The value of an RFP lies in the process and thinking that is invested in it. It should be designed to detail requirements for potential vendors. This exercise lays the foundation that creates the framework of a solid 401(k) employee benefit plan and helps identify an effective provider.
Whether you are establishing a new retirement plan or improving an existing one, setting goals is a critical first step in achieving a plan that is effective for the company and its employees.
Real success springs from a belief that the employer is in a partnership with its employees in a shared mission to help them achieve financial security in retirement. This partnership may take many forms, including matching contributions, auto-enrollment, continuing education and planning assistance.
Fiduciaries have important responsibilities and are subject to strict standards of conduct. However, plan sponsors may not know who the fiduciaries to the plan are.
If you are involved in the administration of your company's retirement plan, it is important to understand what your role as a plan sponsor entails, as well as how to delegate parts of your fiduciary responsibility if you choose to do so. Even unintentional mistakes can lead to a breach of fiduciary duty that can have significant consequences.
Companies are beginning to recognize the importance of having an investment policy that provides clear direction on how investments will be managed and how much risk is acceptable.
A solid investment policy include formalized forecasting and contingency plans to prepare key decision-makers for unexpected events. Contingency plans should include a scenario analysis that details events of varying risk or magnitude and how the company will react. For example — divest, stay the course, or become more conservative.
Does your company have a well-thought-out investment policy? Does your policy have clear, measurable objectives? Has it been written down and shared with the appropriate team?
Putting your investment policy in writing is the foundation of effective investing. Your policy should provide benchmarks to help you evaluate how well it is working and what changes may be needed to make it more effective. While every company is different several elements should be part of every policy.
A retirement plan's design, carefully constructed, monitored and maintained, forms the foundation of any successful plan to provide a more stable and secure retirement for participants.
A well-designed plan serves as a magnet to attract and retain key employees; communicates to all participants that this is not simply an ordinary benefit at an ordinary company; and represents an opportunity for employers to illustrate their commitment to participants' individual retirement plans and for participants to optimize their personal financial security.
Healthcare costs are forcing a new calculus on traditional retirement planning. They are rising faster than inflation and will consume a growing percentage of our spending as we grow older.
Individuals appear to be significantly underestimating what health care in retirement will cost them. According to a report issued by the Stanford Center on Longevity, "43% of middle-income Americans are paying more for healthcare with Medicare than they expected they would." One reason for this may be that many are overlooking the prospect of long-term care.
Does your company have a well-thought out investment policy? Does your policy have clear, measurable objectives? Has it been written down and shared with the appropriate team?
Putting your investment policy in writing is the foundation of effective investing. Your policy should provide benchmarks to help you evaluate how well it is working and what changes may be needed to make it more effective.
There are five threats to retirement that investors should be aware of. This article discusses those risks and how investors can seek to mitigate them.
Thinking about retirement is no longer a future event for many Americans; most recognize the need for careful planning throughout their working years. While it is a positive that Americans are expected to live longer, this can add to the already daunting challenges of funding a comfortable retirement.
Fiduciary responsibility is very important to 401(k) plan sponsors.Confirming that plan fees and expenses are reasonable part of their role.
Benchmarking against comparable organizations' plans is often the most cost-effective and least disruptive method to determine whether fees are reasonable. It involves comparing your plan to plans of a group of organizations that resemble your own. A thorough benchmarking process will balance fee components and value components.
Biases are the basis for cognitive and emotional errors when we apply them in financial markets and they often result in financial losses.
Humans have an amazing capacity for reasoning, memory, action, feelings and emotions. But capacity alone does not ensure that we will develop the proper biases to employ every day in predictive scenarios. In some cases, these biases come hardwired in our brains and work against us when it comes to predicting market movements.
If the business is transferred to a Delaware Incomplete-Gift Non-Grantor Trust prior to a sale, the business owner may be able to eliminate state and local taxes on the capital gains.
With roots that go back to the first bank charter in Wilmington, Delaware in 1795, PNC Delaware Trust Company has grown by providing customized strategies for personal and business asset protection and innovative wealth planning approaches. A limited purpose trust company established under the laws of Delaware, it provides a number of benefits unique to Delaware.
As an owner of a privately-held company or an executive in a publicly traded corporation, you may be spending more time addressing economic issues and less on your own financial planning.
In order to be successful, your plan must be documented. For corporate executives looking to buy or sell their stock, this could include filings with regulatory agencies. A business owner may need to work with his or her legal advisors regarding a variety of structures to support the plan, such as buy-sell agreements, business entities and trusts.
Given the many reasons that companies may need an escrow account, it's important to screen escrow service providers to make sure they meet the needs of all parties.
When companies engage in mergers, acquisitions or real estate transactions, all eyes are on closing the deal. However, choosing an escrow agent — often a mandatory step in the process — is frequently low on the priority list, even though a successful close may rely on it.
The materials or video that you are going to view were prepared for general information purposes only and are not intended as legal, tax or accounting advice or as recommendations to engage in any specific transaction, including with respect to any securities of PNC, and do not purport to be comprehensive. Under no circumstances should any information contained in those materials or video be used or considered as an offer or commitment, or a solicitation of an offer or commitment to participate in any particular transaction or strategy. Any reliance upon any such information is solely and exclusively at your own risk. Please consult your own counsel, accountant or other advisor regarding your specific situation. Any opinions expressed in those materials or videos are subject to change without notice.
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Despite the fact that many applications are carried out using automated procedures online, it may be surprising that covering letters still have an important role to play when applying for jobs. CV Writers carried out a survey recently amongst HR and recruitment professionals that showed a startling divergence in opinions on the usefulness of covering letters.
Whilst two thirds of recruiters will read a CV regardless of the letter, a third will only read a CV if the covering letter impresses first. Clearly then you cannot take any chances, and a compelling covering letter continues to be a vital component of a job seekers application.
Here are our top tips to make sure your covering letter works effectively.
Too often we see information from a CV literally cut and pasted straight into a covering letter. This does recruiters a disservice and will frustrate the reader when they see the same information repeated verbatim. It can come across as lethargic, and that's not perhaps the best first impression to make.
The other key finding in our research was that over 40% of initial readers (usually HR) only 'sometimes' or 'never' pass the covering letter on to the recruiting manager. So there is no point in putting critical information about your application in the letter as there is a strong chance that the recruiting manager won't even get to read it.
Three to four short paragraphs should do it. Structured properly the first paragraph should confirm who you are and the job applied for. The second paragraph should provide a compelling summary of why you should be considered for the role – especially any key technical skills or similar projects completed that are especially relevant to the job in hand. Any further paragraphs should contain any specific information - such as willingness to relocate – that may affect your application. Lastly, have a clear call to action.
The call to action for a covering letter is to get the recruiter to read your CV. Any decision regarding calling you to interview will only be made after reading your CV. So, whilst there is no harm in saying 'I'll call you next week to ascertain your interest', this won't in any way effect the decision on whether to interview you. What you do want the reader to do, however, is to read your CV closely.
Don't give the reader any cause for uncertainty in your letter. Anything that can possibly hinder your application is best left to interview stage. Once they've met and decided they like you, you'd be surprised how perceived obstacles tend to melt away.
Your covering letter and CV should entirely complement each other. Presentation is everything so try to use the same formatting, typeface and point size for each. There should be a logical flow of information between them and together they should make a convincing case for you.
Follow these guidelines and you can be confident any recruiter will be pouring over your CV and giving your application serious consideration.


The work draws attention to emotions and what role they play when deciding to take a risk or not. Therefore it is questioned how emotions attached to the possible consequences of a decision affect behavior. With respect to this question additionally it is verified if such anticipations of emotions are exact or turn out as positive or negative dyed illusions. Leaving behind a consequentialistic tradition of decison-making research the focus then is drawn on how immediate emotions connected to the decision problem itself influence which alternative is chosen � the risky or the save option. The interrelation of both types of emotions is explored to find out if immediate emotions just can be seen as reflections of those anticipated. The interrelation of the immediate emotions connected to the option to take a risk and the option not to take it is examined to find out if the one can be said to be the negative mirror image of the other. To find out how the content of anticipated and immediate emotions change when the decision problem is changed, the situation of deciding is manipulated: Either in changing the chances of winning or changing social dependencies connected to the decision. It then is investigated to what extend the effect of the manipulation of the decision situation on behavior is transported by changes of the emotional content � either via immediate or anticipated emotions. Especially it is focused on how emotions affect the decision additionally and independent of subjective probability, changes of objective chances, the grade of ambiguity or the grade of social dependencies of the decision.


displaced (not in appropriate alignment) require surgery to restore and maintain the fractures in good position. Surgery usually includes repositioning the fracture fragments and holding the position with sutures, wires, plates, or screws. After immobilization (with or without surgery), stretching and strengthening of the injured and weakened joints (elbow and shoulder) and surrounding muscles (due to the injury and the immobilization) are necessary.


text:
REINCARNATE: THE SECOND EXORCISM OF M. NIGHT SHYAMALAN
Renn Brown
As Shyamalan-produced Devil approaches theaters, there is now the announcement that the second film in the Night Chronicles trilogy (of which Devil is the first) will be Reincarnate, about a supernaturally touched jury attempting to decide on a murder case. The film will be directed by Daniel Stamm, who recently released his Eli Roth-guided The Last Exorcism. Reincarnate will be written by Chris Sparling, writer of the claustrophobic thriller Buried. Considering the precedent set by Devil is one of action confined to a single space, the choice of Sparling for scripting duties suggests that Reincarnate may follow this pattern of the focus being on a specific location. I've yet to see The Last Exorcism, but Nick certainly enjoyed it, and Stamm certainly seems to have an eye for making a spooky supernatural film, and bringing out the personality of an environment.
This means it's Shyamalan himself, the very guy who engineered the concept and has his name all over the films, whose name raises questions. An ultimately worthless anecdote to be sure, but at the five times I've seen a Devil trailer in a public theater, there's been audible laughter or groans at 4 of them. From what I've heard from other frequent movie-goers, this isn't an isolated incident. That has nothing to do with the ultimate quality of Devil, which remains to be seen, but it does make me wonder if M. Night's name is going to help or hinder this trilogy of films. The proof will be in the ticket sales however, and considering there is no 3D bump or adaptation baggage to inflate the gross, we will have a pretty good idea what Shyamalan's name is worth (to the financiers anyway) after the next few weekends.
Do you laugh at his name or get excited for his movies…? Let us know on the CHUD Message Board.
Source | Deadline

redpajama_set_name: RedPajamaCommonCrawl


text:
Xenu (ou Xemu) serait, d'après l'écrivain de science-fiction et fondateur de la scientologie L. Ron Hubbard, le dictateur d'une « Fédération galactique » qui, il y a 75 millions d'années, aurait apporté, avec l'aide de psychiatres extraterrestres,  d'extraterrestres sur Terre dans des vaisseaux spatiaux ressemblant à des Douglas DC-8, les aurait jetés dans des volcans et les aurait fait exploser avec des bombes à hydrogène. Selon cette thèse, telle qu'elle existerait plus ou moins secrètement en scientologie, l'essence de ces extraterrestres serait restée sur Terre et serait agglomérée autour des êtres humains comme des engrammes, leur causant des problèmes spirituels. Cette histoire est fréquemment utilisée par les détracteurs de la scientologie dans le but de démontrer l'inanité des fondements de leurs pratiques.

L'existence de la thèse Xenu est tenue secrète aux scientologues tant qu'ils n'ont pas atteint le niveau III ().

L'histoire de Xenu

L'histoire de Xenu a été décrite de manière plus détaillée dans Révolte dans les Étoiles (Revolt in the Stars), le script d'un film jamais tourné écrit par L. Ron Hubbard à la fin des années 1970.

Certains scientologues, à la suite de Ron Hubbard, croient qu'il y a  d'années, Xenu était le dictateur d'une Confédération Galactique constituée de 26 étoiles et 76 planètes, dont la Terre, alors appelée Teegeeack. Les planètes étaient surpeuplées, chacune ayant une population moyenne de  d'individus. La civilisation de la Confédération Galactique était comparable à la nôtre, des extraterrestres s'y promenant « avec des habits qui ressemblaient étonnamment aux habits qu'ils portent maintenant », utilisant des automobiles, trains et des bateaux ayant exactement la même apparence que ceux des années 1950, 1960 sur Terre.

Xenu, sur le point de perdre le pouvoir, décida d'éliminer l'excès de population. Avec l'aide de « renégats », il vainquit la population et les « Officiers Loyaux », une force du bien qui s'opposait à Xenu. Ensuite, à l'aide de psychiatres, il appela des millions de ses citoyens, les paralysa avec des injections d'alcool et de glycol, sous le prétexte qu'ils étaient appelés pour des inspections de « l'impôt sur les revenus ». La population kidnappée fut chargée dans des vaisseaux spatiaux pour être transportée vers le site d'extermination, la planète Teegeeack (Terre). Les vaisseaux spatiaux étaient identiques aux Douglas DC-8, à l'exception des moteurs.

Lorsqu'ils arrivent sur Teegeeack/Terre, les citoyens paralysés furent jetés dans des volcans partout sur la planète. Des bombes à hydrogène furent ensuite déposées dans les volcans et explosèrent. Seuls les corps physiques de quelques extraterrestres survécurent.

Les âmes sans corps des victimes, qu'Hubbard appelait thetans, furent projetées par l'explosion et capturées par les forces de Xenu à l'aide d'un « ruban électronique » puis  aspirées dans des « zones de vide » autour du monde. Les centaines de millions de thetans ainsi capturés furent emmenés dans une sorte de cinéma où on les contraint à regarder une « colossale image tridimensionnelle animée » pendant trente-six jours. Cela implanta ce qu'Hubbard appelle « diverses données trompeuses » (appelées collectivement implant R6) dans la mémoire des thetans. Ces données « avaient quelque chose à voir avec Dieu, les démons, les space opera » et les croyances de toutes les religions du monde. Hubbard attribuait par exemple l'image de la Crucifixion du Christ à cet implant de Xenu ainsi que les décorations intérieures de « tous les théâtres modernes ».

Les deux « stations d'implants » citées par Hubbard seraient localisées sur Hawaï et Las Palmas de Grande Canarie.

En plus d'implanter de nouvelles croyances dans les thetans, les images les privèrent d'une identité personnelle. Quand les thetans quittèrent les cinémas, ils commencèrent à se rassembler en groupes de quelques milliers, car ils avaient perdu la capacité de se distinguer les uns des autres. Chaque groupe de thetans est donc rassemblé dans l'un des quelques corps restants qui survécurent à l'explosion. Ils devinrent ce que l'on connaît en tant que « corps thetan », qui s'accrocheraient à tout le monde… sauf aux scientologues ayant suivi les étapes nécessaires pour s'en débarrasser.

Les Officiers Loyaux réussirent finalement à vaincre Xenu et à l'enfermer dans une montagne, où il est emprisonné pour l'éternité par un champ de force alimenté par une pile éternelle. Certains pensent que Xenu se trouve sur Terre, dans les Pyrénées, mais Hubbard ne parle que « d'une des planètes » (de la Confédération Galactique). Il dit toutefois que les Pyrénées sont le site de la dernière « station de rapport martienne » en activité. Teegeeack / la Terre a été complètement abandonnée par la Confédération Galactique et est maintenant une « planète prison », bien qu'elle ait été souvent visitée par des « forces d'invasions » extraterrestres depuis cette époque.

Les volcans de Xenu
Hubbard cite certains des volcans dans lesquels le génocide perpétré par Xenu se serait déroulé, en plus de la position des deux stations d'implants (sur Hawaï et Las Palmas de Grande Canarie). Dans Révolte dans les Étoiles, le nom des volcans est légèrement différent de ceux enseignés aux scientologues atteignant le niveau OT III. Par exemple, le Mont Etna et le Vésuve sont cités dans le script, mais pas dans l'OT III. Les volcans que Xenu aurait fait exploser seraient :
 le Mont Washington ;
 le Mont Rainier ;
 le Mont Hood ;
 le Mont Shasta ;
 le Mont San Giorno ;
 divers volcans canadiens ;
 divers volcans de la Cordillère des Andes ;
 Tanger, au Maroc ;
 le Mont Saint Helens ;
 le Kilimandjaro ;
 Las Palmas de Grande Canarie ;
 divers volcans au Japon ;
 le Krakatoa ;
 divers volcans aux Philippines, dans l'Himalaya, sur Hawaï.

Il est notable que bon nombre de ces volcans n'existaient pas il y a  d'années. Les îles Hawaïï, les Canaries, la Chaîne des Cascades, entre autres, sont beaucoup plus récentes.

Place dans la scientologie
L'un des objectifs des scientologues consisterait à se débarrasser de ces âmes qui seraient supposées vivre à l'intérieur d'eux et responsables d'Engrammes ou de « comportements aberrants ».

Initialement dévoilé au public par le Los Angeles Times, le « mythe de Xenu », qui aurait été révélé à Ron Hubbard, n'est révélé aux adhérents qu'à partir du niveau avancé dit OT III.

Son existence n'est pas cautionnée par tous les scientologues, mais des actions en justice auraient été menées par l'Église de scientologie contre des gens qui ont diffusé sur internet des documents sous copyright leur appartenant dans lesquels l'histoire de Xenu serait racontée.

Controverse
En , d'après un magazine people, Tom Cruise, adepte de la scientologie, se serait fait construire un bunker de  de dollars pour se protéger contre une éventuelle attaque extra-terrestre de la Terre menée par Xenu. L'information a été démentie par ses proches.

Notes et références

Voir aussi

Articles connexes
 Scientologie
 Église de scientologie
 Rapports entre la scientologie et la psychiatrie
 Ufologie
 Science fiction
 Église de scientologie en France

Scientologie
Créatures imaginaires liées à l'ufologie
Mythe de création
Volcanisme dans les croyances

da:Scientology#Myten om "Xenu"

redpajama_set_name: RedPajamaWikipedia


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text:
Home Motivation Athletes Long Distance Runner Kara Goucher Tackles Mental Health
Long Distance Runner Kara Goucher Tackles Mental Health
Jahla Seppanen
Photos by Modcraft Studio
Kara Goucher is probably the most recognizable female distance runner in the country. Over her 20-year career she's earned a reputation for being a gritty, stone-cold athlete with an unbeatable competitive drive. A member of the East Duluth high school cross country team in Minnesota at the young age of 12, it's no surprise Goucher went on to become a two-time Olympian and 2007 World Championships silver medalist in the 10,000 meter.
But after a gut-wrenching loss at the 2016 US Olympic Marathon Trials, she turned her attention to flexing her mental muscles. Her new book, Strong: A Runner's Guide to Boosting Confidence and Becoming the Best Version of You, is inspired by her personal experience on improving performance while conquering self-doubt.
Strong Girls Do Cry
After the 2016 qualifiers, it took months for Goucher to recover emotionally. But instead of quitting, she eventually allowed herself to cry it out, then pick herself up and move on. "I felt so alive when I had the hope that it could be," Goucher says. "It's easier to protect yourself and not try anymore, but then you're not really living." This detour from expectation led Goucher to a profound discovery: being vulnerable and open is not a weakness, but a strength.
Confidence Journal
Goucher flexes her mental confidence so that come race-day, the nerves and self-doubt don't have a shot. "I used to feel like an imposter on the start line; just a girl from Minnesota lining up at London. It starts to creep into my mind, 'Well maybe I'm not good enough,'" Goucher says. She uses a confidence journal every night before bed and writes down one positive thing about herself. That way, the next time that little voice of self-doubt creeps in, she opens the journal and sees all her accomplishments. The practice of developing mental toughness prompted Goucher's first book. Part autobiography, part workbook, the book covers techniques Goucher uses to bulk up mentally, along with psychologist insights, MD-approved tips, and real-life experiences from Goucher's friends and fellow Olympians, Emma Coburn and Molly Huddle.
Power in Numbers
Along with her band of elite athlete girlfriends, Goucher runs a female-only retreat that equips women with mental, physical, and spiritual tools for life (FYI, Goucher is also a mother, wife, and amateur cook). Her 2018 Podium Retreat from September 20-23 marks the 5th years of workouts, lectures, lunches, runs, and quality wine chats developed to help women see just how strong they are. Hardcore runners and one-milers alike come from around the country to join a new sisterhood, where crying, weakness, and sub-10-minute miles are not only tolerated, but welcomed.
KARA'S DETAILS
Career Highlights: Competing in the 2008 Beijing Olympics (5,000 m and 10,000 m) 2012 London Olympics (Marathon)
american runner
long distance runner
olympic marathon
Jahla Seppanen is a Denver-based sports and fitness writer.


CONSERVATIVE MP Kemi Badenoch has enraged Tulipistas everywhere by claiming the Hampstead and Kilburn MP delayed the birth of her son simply to 'make a point' to her constituents on Brexit.
Tulip Siddiq, now due to have a Caesarian later this week, had been in the headlines this week by explaining how she would be pushed through the House of Commons this evening to vote against Theresa May's EU withdrawal agreement in a wheelchair.
Ms Siddiq has been a long-term advocate of some form of proxy voting system in the Commons, often telling the story of how she felt she rushed back too early after a 40-hour labour and emergency Caesarian for her first child, Azalea, in 2016.
Ms Badenoch, speaking on the BBC today, did not seem at all impressed with the story.
To think, the two women could have been direct election rivals had Ms Badenoch not lost a selection contest in Hampstead and Kilburn to Claire-Louise Leyland ahead of the 2017 general election; a defeat which turned out to be a blessing for the former London Assembly member, given she later picked up a safe Tory seat in Saffron Walden.
Don't be fooled, however, into thinking that there aren't Tories in Camden who share her sharp opinions – and a view some of her rivals that Ms Siddiq can too easily charm journalists with very personal stories, ahead of hard political theory – they just wouldn't dare to say it out loud, or on TV.


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"When David and his team arrived, it was the wish of both parties that the focus be only on the six months until the end of the season, at which point a decision would be made with regards to the future," said West Ham joint-chairman David Sullivan.
Moyes' assistants Alan Irvine, Stuart Pearce and Billy McKinlay have also left with immediate effect.
West Ham finished nine points clear of the drop zone, after earning seven points out of the last nine.
Moyes' last game in charge was a 3-1 win over Everton on Sunday, after which he suggested his preference was to stay beyond this season.
"Everybody always thinks the grass is greener and there's something better out there. I would say more often than not I bet you it's proved wrong," said Moyes.
"We've shown we're trying to improve. I don't know if anybody can come and make that big a difference in six months. Even Pep Guardiola took a bit of time to get his team right.


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Pennsylvania, PA smaller cities, PA small cities
Armstrong County
Worthington, PA housing info
Worthington, Pennsylvania
Submit your own pictures of this borough and show them to the world
Percentage of residents living in poverty in 2019: 7.8%
Detailed information about poverty and poor residents in Worthington, PA
Pennsylvania:
Population change in the 1990s: +60 (+8.4%).
Most common industries in Worthington, PA (%)
Agriculture, forestry, fishing & hunting (5.2%)
Nonmetallic mineral products (4.6%)
Public administration (3.3%)
Mining, quarrying, oil & gas extraction (6.4%)
Administrative & support & waste management services (4.6%)
Food & beverage stores (5.6%)
Miscellaneous manufacturing (4.1%)
Most common occupations in Worthington, PA (%)
Other sales and related occupations, including supervisors (6.3%)
Agricultural workers, including supervisors (5.4%)
Material recording, scheduling, dispatching, and distributing workers (4.1%)
Supervisors and other personal care and service workers, except child care workers (3.5%)
Electrical equipment mechanics and other installation, maintenance, and repair workers, including supervisors (5.8%)
Metal workers and plastic workers (4.6%)
Vehicle and mobile equipment mechanics, installers, and repairers (4.6%)
Registered nurses (4.6%)
Average climate in Worthington, Pennsylvania
AQI NO2 Ozone PM2.5
Air Quality Index (AQI) level in 2018 was 67.3. This is about average.
Nitrogen Dioxide (NO2) [ppb] level in 2018 was 5.96. This is about average. Closest monitor was 16.1 miles away from the city center.
Ozone [ppb] level in 2018 was 26.5. This is better than average. Closest monitor was 3.9 miles away from the city center.
Particulate Matter (PM2.5) [µg/m3] level in 2018 was 7.82. This is about average. Closest monitor was 3.9 miles away from the city center.
Worthington-area historical tornado activity is near Pennsylvania state average. It is 13% smaller than the overall U.S. average.
On 6/3/1980, a category F4 (max. wind speeds 207-260 mph) tornado 14.0 miles away from the Worthington borough center injured 140 people and caused between $50,000,000 and $500,000,000 in damages.
On 5/31/1985, a category F5 (max. wind speeds 261-318 mph) tornado 42.5 miles away from the borough center killed 18 people and injured 310 people and caused between $50,000,000 and $500,000,000 in damages.
Worthington-area historical earthquake activity is significantly above Pennsylvania state average. It is 58% smaller than the overall U.S. average.
On 9/25/1998 at 19:52:52, a magnitude 5.2 (4.8 MB, 4.3 MS, 5.2 LG, 4.5 MW, Depth: 3.1 mi, Class: Moderate, Intensity: VI - VII) earthquake occurred 60.2 miles away from Worthington center
On 8/23/2011 at 17:51:04, a magnitude 5.8 (5.8 MW, Depth: 3.7 mi) earthquake occurred 221.9 miles away from the city center
On 1/31/1986 at 16:46:43, a magnitude 5.0 (5.0 MB) earthquake occurred 95.4 miles away from the city center
On 12/31/2011 at 20:05:01, a magnitude 4.0 (4.0 ML, Depth: 3.1 mi, Class: Light, Intensity: IV - V) earthquake occurred 58.3 miles away from the city center
On 7/27/1980 at 18:52:21, a magnitude 5.2 (5.1 MB, 4.7 MS, 5.0 UK, 5.2 UK) earthquake occurred 293.3 miles away from Worthington center
On 1/16/1994 at 01:49:16, a magnitude 4.6 (4.6 MB, 4.6 LG, Depth: 3.1 mi) earthquake occurred 192.1 miles away from Worthington center
Magnitude types: regional Lg-wave magnitude (LG), body-wave magnitude (MB), local magnitude (ML), surface-wave magnitude (MS), moment magnitude (MW)
The number of natural disasters in Armstrong County (14) is near the US average (15).
Major Disasters (Presidential) Declared: 11
Causes of natural disasters: Floods: 5, Storms: 4, Winter Storms: 3, Hurricanes: 2, Blizzard: 1, Mudslide: 1, Snowfall: 1, Snowstorm: 1, Tropical Depression: 1, Tropical Storm: 1, Other: 1 (Note: some incidents may be assigned to more than one category).
Hospitals and medical centers in Worthington:
SUGAR CREEK REST (120 LAKESIDE DRIVE)
Other hospitals and medical centers near Worthington:
ARMSTRONG CO HOME (Nursing Home, about 7 miles away; KITTANNING, PA)
ARMSTRONG COUNTY HEALTH CENTER (Nursing Home, about 7 miles away; KITTANNING, PA)
FAIR WINDS MANOR (Nursing Home, about 8 miles away; SARVER, PA)
CONCORDIA LUTHERAN HEALTH AND HUMAN CARE (Nursing Home, about 10 miles away; CABOT, PA)
CONCORDIA VISITING NURSES (Home Health Center, about 10 miles away; CABOT, PA)
BAYADA HOME HEALTH CARE INC (Home Health Center, about 12 miles away; EAST BUTLER, PA)
SUNNYVIEW NURSING AND REHABILITATION CENTER (Nursing Home, about 14 miles away; BUTLER, PA)
Airports located in Worthington:
J T Willie Airport (9PS2) (Runways: 1)
Colleges/universities with over 2000 students nearest to Worthington:
Butler County Community College (about 15 miles; Butler, PA; Full-time enrollment: 2,518)
Slippery Rock University of Pennsylvania (about 27 miles; Slippery Rock, PA; FT enrollment: 8,424)
Clarion University of Pennsylvania (about 30 miles; Clarion, PA; FT enrollment: 5,771)
Indiana University of Pennsylvania-Main Campus (about 30 miles; Indiana, PA; FT enrollment: 14,471)
Carnegie Mellon University (about 32 miles; Pittsburgh, PA; FT enrollment: 14,186)
University of Pittsburgh-Pittsburgh Campus (about 33 miles; Pittsburgh, PA; FT enrollment: 27,137)
Grove City College (about 33 miles; Grove City, PA; FT enrollment: 2,560)
Private school in Worthington:
LUTHERAN CHURCH SCHOOLS (Students: 84, Location: 134 W MAIN ST, Grades: PK-KG)
Library in Worthington:
W W F COMMUNITY LIBRARY (Operating income: $36,084; Location: 214 EAST MAIN ST; 12,245 books; 119 audio materials; 520 video materials; 41 state licensed databases; 1 other licensed databases; 18 print serial subscriptions)
Click to draw/clear borough borders
Notable location: Worthington - West Franklin Volunteer Fire Department (A). Display/hide its location on the map
Armstrong County has a predicted average indoor radon screening level greater than 4 pCi/L (pico curies per liter) - Highest Potential
Drinking water stations with addresses in Worthington and their reported violations in the past:
NOVOTNYS GROCERY (Population served: 100, Groundwater):
Monitoring, Source Water (GWR) - Between JUN-13-2011 and JUL-13-2011, Contaminant: E. COLI. Follow-up actions: St Compliance achieved (SEP-22-2011)
One minor monitoring violation
2 regular monitoring violations
This borough:
4 people in homes for the mentally retarded in 2000
Banks with branches in Worthington (2011 data):
Farmers and Merchants Bank of Western Pennsylvania, National Association: Worthington Branch at 15104 Us Rt 422, branch established on 1967/04/04. Info updated 2008/04/15: Bank assets: $388.2 mil, Deposits: $347.7 mil, headquarters in Kittanning, PA, positive income, Commercial Lending Specialization, 7 total offices, Holding Company: Farmers & Merchants Bancorp Of Western Pennsylvania, Inc.
Pennsylvania average:
Political contributions by individuals in Worthington, PA
Religion statistics for Worthington, PA (based on Armstrong County data)
Mainline Protestant 17,886 78
Catholic 11,961 11
Orthodox - -
Number of convenience stores (no gas): 5
Armstrong County:
Worthington:
More about Health and Nutrition of Worthington, PA Residents
Other Government Administration 0 $0 8 $2,724
Police Protection - Officers 0 $0 1 $1,066
Streets and Highways 0 $0 1 $228
Financial Administration 0 $0 4 $2,938
Totals for Government 0 $0 14 $6,956
Worthington government finances - Expenditure in 2017 (per resident):
Current Operations - General - Other: $68,000 ($115.45)
Regular Highways: $65,000 ($110.36)
Central Staff Services: $33,000 ($56.03)
Police Protection: $13,000 ($22.07)
Local Fire Protection: $9,000 ($15.28)
Water Utilities: $3,000 ($5.09)
Parks and Recreation: $2,000 ($3.40)
Libraries: $1,000 ($1.70)
General - Interest on Debt: $1,000 ($1.70)
Worthington government finances - Revenue in 2017 (per resident):
Local Intergovernmental - Other: $7,000 ($11.88)
Miscellaneous - Fines and Forfeits: $2,000 ($3.40)
Donations From Private Sources: $1,000 ($1.70)
State Intergovernmental - Other: $26,000 ($44.14)
Tax - Property: $73,000 ($123.94)
Individual Income: $64,000 ($108.66)
Public Utility License: $8,000 ($13.58)
Occupation and Business License - Other: $5,000 ($8.49)
Documentary and Stock Transfer: $3,000 ($5.09)
Worthington government finances - Debt in 2017 (per resident):
Long Term Debt - Beginning Outstanding - Unspecified Public Purpose: $27,000 ($45.84)
Retired Unspecified Public Purpose: $17,000 ($28.86)
Outstanding Unspecified Public Purpose: $10,000 ($16.98)
Worthington government finances - Cash and Securities in 2017 (per resident):
Other Funds - Cash and Securities: $132,000 ($224.11)
from Westmoreland County, PA 0.93% ($34,070 average AGI)
from Allegheny County, PA 0.67% ($41,600)
from Butler County, PA 0.57% ($48,503)
to Westmoreland County, PA 0.92% ($36,039 average AGI)
to Allegheny County, PA 0.82% ($43,595)
to Butler County, PA 0.52% ($48,601)
Businesses in Worthington, PA
La-Z-Boy: 1
Subway: 1
Strongest AM radio stations in Worthington:
KDKA (1020 AM; 50 kW; PITTSBURGH, PA; Owner: INFINITY BROADCASTING OPERATIONS, INC.)
WTYM (1380 AM; 1 kW; KITTANNING, PA; Owner: VERNAL ENTERPRISES, INC.)
WAVL (910 AM; 5 kW; APOLLO, PA; Owner: EVANGEL HEIGHTS ASSEMBLY OF GOD)
WCCS (1160 AM; 10 kW; HOMER CITY, PA; Owner: RENDA RADIO, INC.)
WPIT (730 AM; 5 kW; PITTSBURGH, PA; Owner: PENNSYLVANIA MEDIA ASSOCIATES, INC.)
WWVA (1170 AM; 53 kW; WHEELING, WV; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
WKHB (620 AM; 6 kW; IRWIN, PA; Owner: BROADCAST COMMUNICATIONS, INC.)
WBGG (970 AM; 5 kW; PITTSBURGH, PA; Owner: AMFM RADIO LICENSES, L.L.C.)
WKNR (850 AM; 50 kW; CLEVELAND, OH; Owner: CARON BROADCASTING, INC.)
WJAS (1320 AM; 6 kW; PITTSBURGH, PA; Owner: RENDA BROADCASTING CORP. OF NEVADA)
WPGR (1510 AM; 5 kW; MONROEVILLE, PA; Owner: MCL/ MCM- INC.)
KQV (1410 AM; 5 kW; PITTSBURGH, PA; Owner: CALVARY, INC.)
WTAM (1100 AM; 50 kW; CLEVELAND, OH; Owner: JACOR BROADCASTING CORPORATION)
Strongest FM radio stations in Worthington:
WZPT (100.7 FM; NEW KENSINGTON, PA; Owner: INFINITY RADIO SUBSIDIARY OPERATIONS INC.)
WLER-FM (97.7 FM; BUTLER, PA; Owner: WBUT, INC.)
WLTJ (92.9 FM; PITTSBURGH, PA; Owner: WPNT, INC.)
WSHH (99.7 FM; PITTSBURGH, PA; Owner: RENDA B/CING CORP. OF NEVADA)
WJJJ (104.7 FM; PITTSBURGH, PA; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
WDVE (102.5 FM; PITTSBURGH, PA; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
WDSY-FM (107.9 FM; PITTSBURGH, PA; Owner: INFINITY RADIO SUBSIDIARY OPERATIONS INC.)
WWSW-FM (94.5 FM; PITTSBURGH, PA; Owner: AMFM RADIO LICENSES, L.L.C.)
WQEJ (89.7 FM; JOHNSTOWN, PA; Owner: WQED MULTIMEDIA)
WQED-FM (89.3 FM; PITTSBURGH, PA; Owner: WQED MULTIMEDIA)
WORD-FM (101.5 FM; PITTSBURGH, PA; Owner: PENNSYLVANIA MEDIA ASSOCIATES, INC.)
WYTR (103.3 FM; BROOKVILLE, PA; Owner: RENDA RADIO, INC.)
TV broadcast stations around Worthington:
W25AX (Channel 25; KITTANNING, PA; Owner: TURNPIKE TELEVISION)
W60BL (Channel 60; BUTLER, PA; Owner: TURNPIKE TELEVISION)
WBOA-LP (Channel 64; KITTANNING, PA; Owner: ABACUS TELEVISION)
WPXI (Channel 11; PITTSBURGH, PA; Owner: WPXI-TV HOLDINGS, INC.)
WCWB (Channel 22; PITTSBURGH, PA; Owner: WCWB LICENSEE, LLC)
WLLS-LP (Channel 49; INDIANA, PA; Owner: LARRY L. SCHRECONGOST)
KDKA-TV (Channel 2; PITTSBURGH, PA; Owner: CBS BROADCASTING INC.)
WBGN-LP (Channel 59; PITTSBURGH, PA; Owner: BRUNO GOODWORTH NETWORK, INC.)
WPTG-LP (Channel 69; PITTSBURGH, PA; Owner: ABACUS TELEVISION)
WPCB-TV (Channel 40; GREENSBURG, PA; Owner: CORNERSTONE TELEVISION, INC.)
WQEX (Channel 16; PITTSBURGH, PA; Owner: WQED MULTIMEDIA)
WTAE-TV (Channel 4; PITTSBURGH, PA; Owner: WTAE HEARST-ARGYLE TV, INC. (CA CORP.))
W65CG (Channel 65; PITTSBURGH, PA; Owner: TRINITY BROADCASTING NETWORK)
WPGH-TV (Channel 53; PITTSBURGH, PA; Owner: WPGH LICENSEE, LLC)
WBPA-LP (Channel 29; PITTSBURGH, PA; Owner: VENTURE TECHNOLOGIES GROUP, LLC)
WQED (Channel 13; PITTSBURGH, PA; Owner: WQED MULTIMEDIA)
W61CC (Channel 61; PITTSBURGH, PA; Owner: THE VIDEOHOUSE, INC.)
Worthington fatal accident list:
Sep 25, 2002 04:16 PM, Us-422, Vehicles: 2, Persons: 3, Fatalities: 1
Feb 20, 1999 03:15 AM, Us-422, Vehicles: 1, Persons: 2, Pedestrians: 1, Fatalities: 1, Drunk persons involved: 1
Dec 6, 1994 10:04 AM, 422, Vehicles: 2, Persons: 4, Fatalities: 1
Aug 31, 1989 03:35 PM, 422, Vehicles: 2, Persons: 5, Fatalities: 1
Aug 25, 1981 00:01 AM, Vehicles: 1, Persons: 1, Fatalities: 1, Drunk persons involved: 1
Dec 22, 1979 01:00 AM, Vehicles: 1, Persons: 1, Fatalities: 1, Drunk persons involved: 1
$3,359,000Total costs
31,468Total average daily traffic
4,325Total average daily truck traffic
25,094Total future (year 2026) average daily traffic
See full National Bridge Inventory statistics for Worthington, PA
FCC Registered Antenna Towers:
14 (See the full list of FCC Registered Antenna Towers in Worthington)
FCC Registered Broadcast Land Mobile Towers:
5mi E Of Kittanning Rt 422 Bx 131 (Lat: 40.841167 Lon: -79.629222), Call Sign: WQN239,
Assigned Frequencies: 44.8400 MHz, 44.8800 MHz, Grant Date: 07/29/2005, Expiration Date: 08/01/2015, Cancellation Date: 01/22/2007, Registrant: Pennsylvania Game Commission, 2001 Elmerton Avenue, Harrisburg, PA 17110-9797, Phone: (717) 787-4023, Fax: (717) 787-2832, Email:
Lat: 40.837278 Lon: -79.669806, Call Sign: WQZA372,
Assigned Frequencies: 469.400 MHz, Grant Date: 03/20/2017, Expiration Date: 03/20/2027, Certifier: Jim Bradley, Registrant: Hensler Communications Consultants LP, 500 Pennsylvania Ave, Irwin, PA 15642, Phone: (724) 296-8054, Fax: (724) 578-2804, Email:
FCC Registered Microwave Towers:
Worthington, Route 422 East, About 3 Miles West Of (Lat: 40.848000 Lon: -79.687472), Type: Tower, Structure height: 85.6 m, Overall height: 88.7 m, Call Sign: WPNH770,
Assigned Frequencies: 6595.00 MHz, Grant Date: 04/04/2011, Expiration Date: 02/01/2021, Cancellation Date: 03/17/2015, Certifier: Michael P Goggin, Registrant: At&t Mobility LLC, 1120 20th Street, Nw - Suite 1000, Washington, DC 20036, Phone: (202) 457-2055, Fax: (202) 457-3073, Email:
WORTHINGTON, E 422 3 Mi W Of (Lat: 40.847833 Lon: -79.687250), Overall height: 91.4 m, Call Sign: WPNH775, Licensee ID: L00128694,
Assigned Frequencies: 6595.00 MHz, Grant Date: 03/13/2001, Expiration Date: 02/01/2011, Cancellation Date: 02/15/2005, Certifier: Ronald L Ripley, Registrant: Dobson Cellular Systems, Inc.
FCC Registered Amateur Radio Licenses:
14 (See the full list of FCC Registered Amateur Radio Licenses in Worthington)
FAA Registered Aircraft:
Aircraft: CESSNA 172B (Category: Land, Seats: 4, Weight: Up to 12,499 Pounds, Speed: 105 mph), Engine: CONT MOTOR 0-300 SER (145 HP) (Reciprocating)
N-Number: 7575X, N7575X, N-7575X, Serial Number: 17248075, Year manufactured: 1960, Airworthiness Date: 10/31/1960, Certificate Issue Date: 02/11/2013
Registrant (Individual): Carl L Waugaman, Po Box 69, Worthington, PA 16262
Deregistered: Cancel Date: 02/28/2018
LOANS ORIGINATED 1 $67,860
APPLICATIONS APPROVED, NOT ACCEPTED 0 $0
APPLICATIONS DENIED 1 $59,060
LOANS ORIGINATED 1 $49,270 1 $13,480
APPLICATIONS DENIED 1 $85,540 0 $0
APPLICATIONS DENIED 0 $0 1 $38,740
Choose year: 2009 2008 2007 2006 2005 2004
Most common first names in Worthington, PA among deceased individuals
Margaret 18 77.5 years
Ralph 13 75.8 years
Most common last names in Worthington, PA among deceased individuals
Bowser 55 77.0 years
Claypoole 24 79.7 years
Long 16 77.1 years
Stewart 12 70.5 years
Anthony 11 77.0 years
Toy 11 80.3 years
Wilson 10 80.1 years
Claypool 10 77.0 years
Shearer 9 81.6 years
1.4%Wood
100.0%Utility gas
Worthington compared to Pennsylvania state average:
Median house value below state average.
Hispanic race population percentage significantly below state average.
Foreign-born population percentage significantly below state average.
Length of stay since moving in above state average.
House age above state average.
Worthington on our top lists:
#58 on the list of "Top 100 safest cities (lowest city-data.com crime index)"
#59 on the list of "Top 101 counties with the highest number of deaths per 1000 residents 2007-2013 (pop. 50,000+)"
#69 on the list of "Top 101 counties with the lowest percentage of residents relocating from other counties between 2010 and 2011"
#89 on the list of "Top 101 counties with the lowest percentage of residents relocating to other counties in 2011"
Lyle L. Foringer (2)
Jarrell T. Mcwilliams (1)
Total of 3 patent applications in 2008-2023.


text:
Q: Inability to run python 3 scripts in both IDLE mode and from command prompt I am trying to learn Python using the book "Learn Python: think like a computer scientist",  however after I downloaded and installed Anaconda 3, I ran into some problems while trying to run scripts from the IDLE mode. (In fact for over a week, I 've been trying to resolve the issue.)  There is a function  the book said we should write and test, I saved the script in the file print_twice_cat.py. However, each time I try to run the script, I just get this error message: ======== RESTART: C:\Users\USER\Anaconda3\Scripts\print_twice_cat.py ========. (Other functions saved as scripts produce the same output, with the only change in the error message being in the .py file name.)
   Also, if  i include a print statement (eg print ('spam')) in the script, I would get an output for the print statement, but no output for any function included in the script such as the above.
      I also googled around and found some sites suggested adding the python location in C drive to the path variable. In my path variable, I had: "ipts;C:\users\user\Anaconda3\Library\bin" (without the quotes) so I added: ;C:\Python35  at the end, but I still got the same RESTART message only.
After googling further (on several sites, including the stackoverflow site), I decided on a work-around of running the Python scripts from the windows command prompt. With the ;C:\Python35 from above still in my path variable, I typed python  at the  C:\Users\USERS> prompt and then in the python environment, I typed the name of the file (print_twice_cat.py) at the prompt, but what I got was this error message: "NameError: 'print_twice_cat' is not defined."
       I also searched on the stackoverflow site and got this command to use to run a Python 3 in idle mode from command linem: $ python3 -m idlelib -r your_script.py  But when I typed it, the message I got was : Syntax error: invalid syntax.
       Also my Anaconda python version is Python 3.5.1 and my operating system is windows 7, bit 32. I would really appreciate any suggestion/suggestions that would help me resolve these 2 issues, as they 're really frustrating my learning efforts. And furthermore it would help other users who might face  related challenges.
     Also kindly find below the contents of the script file in question:
> def print_twice(bruce):
>     print(bruce)
>     print(bruce)
>
>
> def cat_twice(part1, part2):
>     cat = part1 + part2
>     print_twice(cat)
>
>
>   line1 = 'Bing tidddle'
>   line2 = 'tiddle bing'
>   cat_twice = (line1,line2)

A: This
===========RESTART=============
Thing just means by this point the output on the screen is the output of your code stored in the file print_twice_cat.py . It's not an Error.
Since your learning python, you couldn't know that functions only define code, the don't do anything unti they're called.(So they don't print all alone, too)
For Example I'm writing a function to print LaLaLa twice on the screen:
    def myfunction():
        print('LaLaLa')
        print('LaLaLa')

    myfunction()

The first three lines don't do anything but defining the function ´myfunction´. The fourth statement calls the function and so the code defined in the functions body

A: Here is the answer:
You try to assign a variable with a tuple. To call your function just do this:
cat_twice(line1,line2)

This will call the function cat_twice and pass the arguments line1 and line2. If you do it like you did, you will create a var with a tuple in it, tuples are created like this: (tupleobj1, tupleobj2, etc), because of this your code didn't work
Edit
Here is a piece of code that is definitely working, you can use this:
def print_twice(var):
    print(var)
    print(var)

def combine_and_print(obj1, obj2):
    string = str(obj1) + str(obj2)
    print_twice(string)

line = 'bing'
line2 = 'tiddle'

combine_and_print(line, line2)

This workes, I've tried it out myself on python3. If it still doesn't work, I assume you have an spelling mistake in there or something like that.
Leave a like or an 'answer accepted' so I know if this is working, else just leave a comment I will review the answer.

redpajama_set_name: RedPajamaStackExchange


Let's face it…most of us love mac & cheese, but it isn't necessarily the healthiest choice. This recipe uses quinoa instead of noodles and adds in some healthy veggies. I love the fact that you can basically use any vegetables that you have lying around and it sneaks them in if you have children who aren't veggie lovers.
Lightly saute and veggies you are using.
Whisk together eggs and milk in a large bowl. Fold in quinoa mixture and cheese. Stir well to let cheese melt.
Transfer to baking dish and sprinkle with breadcrumbs.
This entry was posted in recipes and tagged quinoa mac & cheese, quinoa mac and cheese.


Several men in Household Cavalry uniform are in a vault, photographing confidential documents. One of them, who has been passing the papers out under a security sensor, accidentally trips the alarm when a document blocks the light beam. The steel gate slams shut, trapping him inside. The ringleader (Harvey Hall) glares at him angrily, then orders his other accomplice to kill him.
Steed drives Mrs Peel to the home of Sir Clive Todd in the early hours of the morning. She complains about it being the middle of the night but is jolted awake by the sight of the butler (Harry Hutchinson) wearing a surgical mask. She sees the uniform laid out and asks Steed if he did wake her, or if it's a fancy dress party. The doctor tells them the bullet missed his brain and they can see him. Steed explains that Sir Clive (Laurence Hardy), dressed in uniform, broke into an office in Whitehall with some accomplices and was shot during the successful raid. Sir Jeremy (John Wentworth), another cabinet minister, can't believe it but Major Plessy (Manning Wilson) says the facts are undeniable. Steed says Todd will pull through, and Sir Jeremy wonders if the government will, then departs to report to the Prime Minister. Steed tells Mrs Peel there has been a series of such raids recently, all executed perfectly and they hope Sir Clive can lead them to the 'diabolical mastermind'. Steed comments on Mrs Peel's resemblance to Florence Nightingale and she is installed as Sir Clive's nurse. She discovers he's suffering from amnesia and Dr Fergus Campbell (Ian McNaughton), a service psychiatrist, is called in to examine Sir Clive.
Steed returns to Sir Clive's study to resume his search and spots a pistol poking out from behind a curtain. He tackles the owner and finds it's Sir Clive's rather scrummy daughter Davinia (Georgina Ward), just return from the South of France, still in her bikini - "I got bored on the beach so hopped in a cab. My clothes are following". She tells Steed her father was probably out with Allan St. Johnson, an opposition MP, and her father belongs to a club for eggheads called RANSACK. She shows him a secret compartment in her father desk but someone has poured acid in, destroying Sir Clive's diary. Meanwhile, Campbell seems to be trying to ensure Sir Clive's memories are lost rather than restored. Steed visits Whitehall to see the MP. Sir Jeremy and Major Plessy urge restrain, fearing a leak of the scandal, but when Allan's secretary shows him in, they find St. Johnson dead, apparently a suicide. Unfortunately, his secretary had not seen the constituent who had come to see St. Johnson before they entered.
Steed returns to Sir Clive's house, where Mrs Peel says Sir Clive is starting to respond. Steed fetches Campbell and finds him in the company of Desmond Leeming (Bernard Archard) who helps run RANSACK. Steed says he's interested in joining and is handed an entrance paper - the minimum IQ for entry is 145 - at which campbell sneers at Steed. On parting, Leeming stresses to Campbell he should be "informed of any change for the worse, if he should have to resort to drugs". Steed helps Mrs Peel jog Sir Clive's memory with the word "Ransack", then Campbell lethally injects Sir Clive while they talk, but is unable to tell them why he killed him. Campbell's memory is blank but he swears he hadn't left the house that day - the only person he met was Leeming, and he admits to being a member of RANSACK himself.
Steed meets Mrs Peel at the bar in the Houses of Parliament where she's fending off the advances of a philandering MP. "Lobbying?" he asks and she replies, "I don't have to" - they've both gained entry to RANSACK (she did both their papers) and they were so impressed with her, she's been hired as Professor Spencer's secretary. They run their events at a girls' boarding school near Oxford. Steed smiles and is told the girls are on holidays. Steed goes to the school next day and finds Holly Trent (Patricia Haines), the school games mistress, conducting archery lessons for some of her staff but she plans to lure some of the intelligentsia out. Leeming interrupts as Steed fires an arrow, causing him to break a window, and leads him away. He's led through a babble of high-brow conversation to meet Professor Spencer (Martin Miller), who is standing on his head to increase blood flow to the brain. Emma enters and says she has to complete all of Steed's details for their records - outside, she hands him the answers for the day's test paper. Sadly, he can't fit enough of them on his cuffs and she has to falsify his score to bump him back into genius territory.
That evening, Steed retires to his room and disconnects the annoying piped music. Mrs Peel delivers his cocoa and raises her eyebrows at the pictures pasted in the girls' lockers. A while later he hears a noise and sees all the others - including Emma - trooping downstairs. He follows cautiously and finds them all watching a film of an RAF base. He hears someone coming and hides - it's the leader of the Whitehall raid, who sits down to guards the film hall.
In the morning, the hall has returned to gymnasium duty and Mrs Peel declares she never left her room last night. Leeming makes an announcement - everyone is to meet in the gym at 6 o'clock that evening. Steed turns up on time but no-one else is there - except Professor Spencer, hanging from a rope up near the roof.
Outside, he's nearly shot by Holly Trent's archers and she tells him the others left in the school minibus half an hour ago - didn't he get the message? Professor Spencer tells him Leeming has taken them to do outside IQ tests, despite Steed being amazed they'd do it in the dark. They return in the early hours of the morning after conducting an armed raid and Steed sees them carry something into the school. He finds sand in the bus - and later proves to Emma she wasn't in a forest as she recalls by emptying sand from her shoes. She finds a piece of a missile head still in her coat pocket and Steed tells her there's a missile base 60 miles away, on the coast. Steed calls Plessy and learns the probable successor to the Polaris missile was snatched the previous night - but he's overheard by the ominous raid leader. Steed tells Mrs Peel, who's busy bouncing on a trampoline and she's denying knowing anything about the naval base until she says, "How could anyone jump a 15 foot 5 live wire?".
Steed visits Campbell, who tells him hypnotic suggestion would work very well if the subject were already asleep. That night, he sniffs his cocoa and sets it aside, then sees the eggheads all go downstairs again. He checks Emma's room and hears a distorted voice ordering everyone to the gymnasium. In the gym, the same voice asks them all to plan how to steal a plane from an airfield. Steed suggests cutting the water supply to the base after Emma advocates laying a fire near the guards' quarters. Meanwhile the raid leader checks Steed's room and finds his loudspeaker is unplugged. He hears the end of the meeting downstairs - the unseen boss orders them all back to their beds, to reconvene at the archer range in an hour. They leave and the raider informs Leeming Steed is a fake so in an hour's time, the voice orders them to the gymnasium instead of the range. There, they determine Steed should be killed and Emma volunteers to shoot him with an arrow. Steed stands in front of the targets and sees her approach, then fire an arrow at him. She reports him dead to Leeming, but the raider has found Steed's note to her, "Unplug your radio. S". Steed swings across the gym on a rope and disarms Leeming, who has just pulled out a revolver and they fight, another egghead (Ray Austin) joining in. Mrs Peel meanwhile enters the projection room and fights the mastermind in silhouette, the villain finally crashing through the screen and revealed as Holly Trent.
Mrs Peel reflects on the cleverness of harnessing genii as they drive home in Steed's Bentley. Steed says at least he's come out of it with a genius IQ. "You are a genius", she says, " - at cribbing", and laughs.


text:
Poyet Praises Pantilimon Patience
Costel Pantilimon had to wait for his chance to become Sunderland number one, but so far he has taken the opportunity with both hands.
By David Lee Wheatley Nov 18, 2014, 3:42pm GMT
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Gareth Copley/Getty Images
Romanian international Costel Pantilimon left Manchester City last summer having spent the best part of his three-year stay with the Premier League champions warming the bench.
With England number one Joe Hart standing in his way, Pantilimon found top-flight appearances hard to come by and eventually featured only seven times on the Premier League stage.
He joined Sunderland in the hope of finally becoming first-choice goalkeeper and initially found it tough to displace last season's heroic star Vito Mannone.
However, two horrendous performances on the trot by the Italian at Southampton and in the home clash with former employers Arsenal opened the door ajar for the 27-year-old understudy to finally earn his stripes.
The 6ft 8in giant cut a composed figure between the sticks from his inclusion in the starting line-up at Selhurst Park, which saw the Black Cats claim a deserved 3-1 victory over Crystal Palace.
Sunderland followed that up with a creditable 1-1 draw at home to a dangerous Everton side, who were ultimately restricted to a solitary goal from the penalty spot.
Talking of Pantilimon's situation when moving to the Stadium of Light, Poyet said:
"I brought Costel in and I have to say that I told him before he came that I couldn't promise him to play.
"He was leaving Man City and he was looking for a place to go and play.
"I said 'if you want it easy, this is not the place'.
"But he knew, he came, he did well in pre-season and thought he had a chance.
"The manager decided 'no', but he took it and waited.
"Then of course, he needed to perform.
"And Costel has done well."
Mannone will now be forced to take a watching brief, while his replacement continues his bid to cement the position.
Though it's early days after only two first-team league outings, the signs look good for Pantilimon to enjoy an extended run in the side.


I always loved "sailor looks", whether in terms of stripes, or navy-red-white combination of the colors! There is something eternal in this style, and it's trendy, of course, with slight variations regardless of the season. Classic, refreshing, chic, sophisticated, these are my associations related to the "navy trend"!
Uvek sam volela "mornarski look", bilo da su prugice u pitanju, ili pak teget-crveno-bela koloritna kombinacija! Postoji nesto neprolazno u tom stilu, i cini mi se da je uvek u trendu, naravno sa blagim varijacijama, bez obzira na godisnje doba. Klasicno, osvezavajuce, sik, sofisticirano, to su moje asocijacije vezane za "mornarski trend"!
Love this look with the maritim touch!
love you in red so gorg! xO!
Ahoy, Jelena! :) Very stylish dress and shoes. I like the scarf and love the coat. Très chic! Beautiful smile and hairstyle as well.


Visual voicemail not working. When I try to save a custom greeting I get this error message. My voice mails are not being transferred to my phone, and I am also not getting any notification that I have a voicemail.