TFLTruck just posted a video from the Chicago Auto Show showing off the Mopar parts and accessories available for the 2019 Ram 1500, this is presumably what they will be showing off at their press conference tomorrow. Check it out.
that Bighorn looks pretty **** good.
Mopar and Ram debuted a 2019 Ram 1500 this morning at the Chicago Auto Show displaying some of the over 200 parts and accessories Mopar will sell for the all new Ram.
This flame red Big Horn Sport is riding on a Mopar 2 inch lift and 35 Inch BFGoodrich KO2 tires. Black pocket style Mopar fender flares help protect the paint from the oversized tires and the hood is wearing a Mopar stripe kit. Mopar wheel to wheel running boards are also featured that tuck up tight to the body of the truck and are covered in a bedliner material.
Mopar wheelsMopar 18 inch Beadlock wheelsThe Mopar accessories 18 inch beadlock wheels are identical to those that were seen on the 2016 Ram Rebel TRX Concept.
Ram mopar accessoriesMopar Ram Air intake for 2019 Ram HemisUnder the hood is Mopars new Ram Airflow cold air intake that takes cold air from behind the grille into a box above the throttle body. It is definitely a different design for a cold air intake but should prove to work much better than many intakes with the filter exposed to engine bay heat.
Mopar RamBlack Mopar accessories exhaust with 5 inch tipsA Mopar cat back exhaust is available in black chrome or regular chrome. This exhaust system comeswith 5 inch tips that completely fill up the exhaust cut outs in the bumper. The exhaust tips themselves are also available separately and can be bolted to the stock exhaust if you just want the look but would like to keep the stock sound.
Mopar Ram RackMolar accessories "Ram Rack"The bed of the truck features the Ram Rack system inspired by the Macho Power Wagon concept. This rack system is moveable back and forth along the factory bed utility rail system. This system allows you to easily carry oversized cargo that won't fit in the bed.
Ram revealMopar Catalog, 2019 Ram 1500 accessories – FCA PhotoAlso available are Weather Tech style floor mats that snugly contour to the floor of the truck and can catch liquid spills/snow/slush etc and keep them from damaging the carpet. Katzkin leather is also available along with a ton of other accessories.
Many of these Mopar accessories can be ordered at the same time as your truck allowing them to be factory installed and they will even show up on your window sticker.
Check back regularly for all the latest 5th Generation Ram news and information. Don't forget to pop into our forums section for more great content!
I am liking those running boards. Noticed the drop down step too by the exhaust.Factory 2 inch lift....hmmm wonder if available on Rebel. I know the 1 inch is.
Yeah that bed step looks like the AMP bedstep that's currently available in the aftermarket. They probably get AMP to make it for them.
Pietro Gorlier, Head of Parts and Service (Mopar), left, and Jim Morrison, Head of the Ram Brand, introduce an outdoor-sport customized 2019 Ram 1500 at the 2018 Chicago Auto Show.Mopar offers more than 200 available custom performance and styling accessories.
Pietro Gorlier, Head of Parts and Service (Mopar), FCA, showcases customized versions of the all-new Jeep® Wrangler and the 2019 Ram 1500 at the Chicago Auto Show.
The Ram Truck and Mopar brands teamed up today at the Chicago Auto Show to debut an outdoor-sport-themed 2019 Ram 1500 modified with a selection of the more than 200 Mopar parts and accessories available for the all-new truck.
Can't wait to see a in depth version of that catalog when it comes available.
Agreed, Here is what we have seen so far.
Looks good, I like the racks and exhaust. I'm usually don't like hood stripes but I think they actually look really good on this truck and kind of accentuate the lines on the hood.
Great job on Mopar getting this ready for prime time. No need to wait for all weather floor mats, mud flaps, etc. Let's hope the aftermarket can quickly get a paint protection film cutout for it.
I'll take the roll-up tonneau cover. I've got one on my F150 and it's great.
yea will defiantly be a requirement with the painted metal bumper. Painted metal bumpers always chip and get rust spots. I have xpel on the front of my 2014 and still looks new.
<woltlab-quote data-link="https://5thgenrams.com/community/forum/index.php?thread/111-customize-your-2019-ram-with-over-200-mopar-parts/&postID=446#post446" data-author="Biga">yea will defiantly be a requirement with the painted metal bumper. Painted metal bumpers always chip and get rust spots. I have xpel on the front of my 2014 and still looks new.
</woltlab-quote>Me too I did my whole front end. Bumper(upper/lower), grille, hood(12 inches), fenders, A pillars, roof(12 inches), door sills.
I wish I did mine when I got it, I've kept up with any rock chips etc so mine still looks good but my next truck will be done for sure. If I get a Laramie Black I might just get the whole thing done in PPF.


So it's not technically engraved on the One Ring just yet, but fans have a high suspicion that a Lord of the Rings land is coming to Universal Orlando in Florida.
According to the blog site Disney and More — a site that's been known for theme-park news leaks in the past — Universal is set to open a fourth park (if you count Volcano Bay). Along with Lord of the Rings, the other rumored lands in the park are a Harry Potter Ministry of Magic park, a Nintendo World, and a Jurassic World.
The park has the codename "Project 314," and it could be finished as soon as 2023. The Lord of the Rings rumor came about a few years ago when fans thought it was going to be an expansion of Universal's Islands of Adventure (after Universal supposedly bought the rights). According to the blog, the Middle-earth addition has been a "frequent almost-player" at Universal.
Some other rumored news mentioned in the post was the Nintendo section of the park possibly including a Mario Kart ride, a Zelda ride, and a Donkey Kong roller coaster. OMG, could you imagine? There was also mention that the park is pushing to add Pokémon to the mix.
We're literally keeping our fingers crossed that all four lands are true, and we'll be getting on the first flight out once the park opens. In the meantime, we'll head to Disney World to check out the new Toy Story Land.
Would You Ride These Terrifying Roller Coasters Around the World?


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Q: Proof Check: In a positive measure space, the measure of a union of an increasing chain of sets is equal to the limit of the measure of the sets. In my textbook Johnsonbaugh/Pfaffenberger - Foundations of Mathematical Analysis, we prove that if $A_1 \subseteq A_2 \subseteq A_3 \subseteq \dots $ with each $A_n$ in the sigma-algebra $M$, then $\mu (\cup_{n=1}^{\infty}A_n)=\lim_{n\to\infty}\mu(A_n)$. However, we also prove that $A \subseteq B \implies \mu(A)\leq\mu(B)$, where $\mu$ is the measure on $M$. I'm wondering if this alternative proof also works:
We have that $\cup_{i=1}^n A_i \subseteq A_n \subseteq \cup_{i=1}^{n+1} A_i$. Therefore $\mu(\cup_{i=1}^n A_i) \leq \mu(A_n) \leq \mu(\cup_{i=1}^{n+1} A_i)$. Taking limits, we have that $\lim_{n \to \infty}\mu(\cup_{i=1}^n A_i) \leq \lim_{n \to \infty}\mu(A_n) \leq \lim_{n \to \infty}\mu(\cup_{i=1}^{n+1} A_i)$. Therefore, $\lim_{n \to \infty}\mu(A_n) = \lim_{n \to \infty}\mu(\cup_{i=1}^{n} A_i) = \mu(\cup_{n=1}^{\infty}A_n)$.
My textbook subtracts out the inclusions and then uses pairwise disjointness to use the countable additivity of $\mu$ to establish equality, but if this way works it seems to be more natural to me. Thanks in advance!

A: The problem is in the very last equality in your derivation. It is not a definition of $\mu(\cup_{n = 1}^{\infty} A_n)$ - it is exactly what needs a proof.

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Alphabet Timeline
c. 3200 BCE
Hieroglyphic script developed in Egypt.
2000 BCE
Minoan hieroglyphic script is invented.
Minoan Linear A script.
Canaanite alphabet.
Ugaritic alphabet of 30 letters is invented.
Phoenician alphabet.
Death of Ahiram (or Ahirom) of Byblos, whose sarcophagus bears the oldest inscription of the Phoenician alphabet.
800 BCE
Earliest examples of Greek alphabetic script.
c. 350 CE - c. 950 CE
Estimated use of the Ogham in Ireland and southwestern England.


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Obituary: Pele, the King of Football dies at the age of 82, RIP
The legendary football icon passed away at the Albert Einstein Hospital in Sau Paulo, Brazil, where he was admitted in late November 2022.
By UdaipurTimes Team Fri, 30 Dec 2022
"Failure of multiple organs led to his death", hospital sources.
Edson Arantes do Nascimento, or Pele, as he was better known, passed away in Sao Paulo on December 29, 2022. He was suffering from kidney and prostate conditions and following the removal of Colon tumor in September 2021, he was readmitted in November 2022, due to recurring complications. Pele was 82 and hospital sources confirmed that he died due to the failure of multiple organs as a result of the progression of Colon cancer.
"Our king of football was the greatest exponent of a victorious Brazil, who was never afraid when faced with difficulty. He promised his father a World Cup and he presented us with three." - Brazilian Football Confederation
A inspiração e o amor marcaram a jornada de Rei Pelé, que faleceu no dia de hoje.
Amor, amor e amor, para sempre.
Inspiration and love marked the journey of King Pelé, who peacefully passed away today.
Love, love and love, forever. pic.twitter.com/CP9syIdL3i
— Pelé (@Pele) December 29, 2022
Pele's former club Santos released details of his funeral. On Monday morning his body will be moved from the hospital to the club's Estadio Urbano Caldeira, where the coffin will be placed in the centre of the pitch for the public to pay respects. On Tuesday, there will be a procession through the streets of Santos in Sao Paulo to a private family burial.
Edson Arantes do Nascimento, better known as Pele, became a global star when, aged 17, he helped Brazil win the 1958 World Cup in Sweden, forcing his way into the starting line-up by the knockout stages.
He scored the only goal in a 1-0 victory over Wales in the quarter-finals, a hat-trick against France in the semi-final and two in a 5-2 triumph over the hosts in the final.


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Featured in THE TIMES OF INDIA
TRICHY: The importance of maintaining toilets and providing more urinals in public places to prevent pollution in the transit hubs were some of the points stressed by participants at an event held to commemorate World Toilet Day, here on Saturday.
While Trichy Corporation introduced QR code-based feedback system in public toilets, the City Wide Inclusive Sanitation (CWIS), an NGO conducted an interaction event to create a solution for improving urban sanitation.
At a programme organised by the Tamil Nadu Urban Sanitation Support (TNUSSP), Dr M A Aleem, a member of the Trichy district welfare fund committee said that lessons on sanitation must be introduced in all schools.
"Open urination is thriving. To create awareness and ownership attitude among students at a very young age, we must include sanitation and hygiene lessons in schools," he said.
Discussions on pollution caused by the poor design of septic tanks to ground and water and the role of citizens in restoring safe sanitization were held. Although Trichy has more than 400 public toilets, one of the highest in the state, partcipants stressed for a similar focus on urinals.
Meanwhile, corporation installed QR-code enabled feedback system in the toilets.
Based on the feedback, the maintenance will be improved. Since Trichy lost significant marks in the national cleanliness survey Swachh Survekshan 2022 in the toilet maintenance category, the civic body is improving the public toilet infrastructure.


If eligible temporary residents haven't claimed their super from their funds, and it's been at least six months since they left Australia and their visa expired, we'll send you a written section 20C notice to advise that they are now considered former temporary residents.
You must then report their accounts to us on an unclaimed super money statement and pay their balance to us as temporary resident unclaimed super money.
Temporary residents can still claim these balances from us at any time as a DASP.
If former temporary residents haven't claimed their super from your fund we'll send you a written section 20C notice. You then report and pay their benefits to us as unclaimed super money.


The 9 Best Fall Festivals in Arizona!
Fall is here. Arizonans have survived yet another long, hot summer. Now? It's time to enjoy the cool weather. There's no better way to welcome fall than by attending one of these local festivals. The following festivals are a great place to enjoy some sunshine, culture, and most of all, sub-100 degree temperatures. Get ready for some fun at one of these local fall festivals.
No place in Arizona celebrates fall like Mortimer Farms. This small northern Arizona farm plays host to an annual fall festival that's fun for the whole family. At the center of the farm is a large 15-acre pumpkin patch and giant 25-acre corn maze. Though they are the main attraction, they're only half the fun. The Pumpkin Fest also includes food vendors, live music, hayrides, dog and pig races, and a family petting zoo. This author's highlight, however, is the legendary "Punkin Chunkin." It's a sacred ritual where locals launch pumpkins from a homemade catapult.
You're not a true Arizonan until you've made a trip to the Arizona State Fair. This annual festival has been held every year since its inception in 1905. The ever-growing event attracts thousands with its mix of fun games, rides, and events. You can take a ride on thrilling carnival rides, enjoy local food vendor's cuisine, and even attend a live concert during your trip. There's a reason this popular festival has withstood the test of time. Go see for yourself what the hype is all about.
You can expect plenty of beer at any event named Oktoberfest. But you might not expect a wide selection of delicious craft beer. That's what you'll find at Oktoberfest at Tempe Town Lake, hosted by local brewery Four Peaks. The three-day festival includes a beer garden with 15 German beers, live music, and plenty of fun-filled events. You can expect dachshund races, carnival rides, and plenty of tasty food at this lakeside festival.
Forget about Halloween. Fall's best holiday is Dia de los Muertos, or Day of the Dead. It's a Mexican holiday celebrating the spirits of the dead. Arizonans can get in on the fun by attending the Dia de los Muertos Festival at Steele Indian School Park. The festival features hundreds of entertainers in traditional day of the dead masks. It also promises multicultural dances, foods, and theater performances.
Schnepf Farms Pumpkin and Chili Festival is one of Arizona's most popular fall festivals. Just make sure you save your appetite before going. Schnepf Farms sells their farm fresh food and has a variety of vendors' onsite dishing up delicious festival fare. They even have a chili dinner featuring a spicy bowl of chili, grilled corn, and homemade corn bread. The event also features fall favorites like a pumpkin patch, corn maze, and petting zoo.
Salt River Fields regularly plays host to some of Arizona's biggest events. During the fall, the fields come alive with the annual Balloon Festival. The festival occurs in the lead up to Halloween, meaning there will be plenty of candy to go around for the kids. There's also a pumpkin patch, live music, firework displays, and a haunted trail. The real highlight, however, are the 20-plus hot air balloons in attendance. Guests can hop on a tethered balloon ride to get a bird's eye view of Scottsdale.
Looking to eat and drink local? Look no further than Arizona Fall Fest hosted by Local First Arizona. The annual event, located at Hance Park, features a who's-who of local Arizona vendors. You can enjoy food samples, drinks, and entrees from over 200 vendors. In addition to tasty local delicacies, visitors can unwind at the beer and wine garden. The festival also promises a range of entertainment options, from live music to the crafts and game filled kid zone.
Arizonans know a thing or two about great Mexican food. So, it comes as no surprise that they honor their love of all things taco at an annual festival. The Arizona Taco Festival, also located at Salt River Fields, serves up over 100 varieties of tacos for $2 each. Visitors can enjoy a selection of tacos from some of Arizona's best Mexican restaurants. The taco festival also has the world famous lucha libre wrestling, a taco eating contest and a selection of over 100 types of tequila.
Are you a beer lover? It doesn't get much better than the Great Tucson Beer Festival. This annual event is held at Kino Sports North Complex and features hundreds of different beers to taste. You can wash down your favorite ale with food from one of the many vendors and food trucks in attendance. Add in some live music and entertainment and this Tucson festival is sure to bring an evening of beer-drinking fun.
View more Arizona Festivals, Fairs and Parades.


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Robbed blind: No jail for ex-manager who defrauded Guide Dogs Victoria
By Adam Cooper
December 19, 2018 — 1.21pm
A former Guide Dogs Victoria manager who defrauded the charity of $210,000 to install a pool at his home and pay for restaurant meals, groceries and other personal items has been spared jail.
Between 2013 and 2016 Sandro Cirianni issued the charity with 45 false invoices to cover home improvements, misused a corporate credit card 117 times for personal expenses and regularly filled up his own car with a charity fuel card, all while he was a member of the organisation's leadership team on a $162,000 salary as general manager of clients and guide dogs services.
Former Guide Dogs Victoria manager Sandro Cirianni leaving the County Court on Wednesday. Credit:Luis Enrique Ascui
During his prolonged run of offending, Cirianni was feted among the sector as the not-for-profit manager of the year in 2015. His offending was discovered after he resigned from the charity in March 2016.
He fronted the County Court on Wednesday facing the prospect of jail after pleading guilty to three charges of dishonestly obtaining a financial advantage by deception, having previously argued through his lawyers he stole from his work because he was worried about his own mortality and wanted to leave something for his family.
But Judge Susan Cohen spared Cirianni time in prison because he paid back the money he defrauded and covered the costs of the charity's investigation, admitted responsibility as soon as his crimes were unearthed, pleaded guilty early and co-operated with police.
Cirianni, 49, was put on a three-year community corrections order, with a requirement he complete 300 hours of unpaid community work, and fined $3750. He embraced tearful supporters after the hearing and walked from the court without comment.
Judge Cohen said courts gave credit to criminals who repaid money they took, as it demonstrated contrition and encouraged others to do the same.
"In saying this, leniency for restitution should not be mistaken for saying that the offending does not require punishment because all amounts have been paid back. Nor should it be seen as buying one's way out of prison or out of more severe punishment," she said.
Cirianni used Guide Dogs Victoria's money to have a pool and air conditioning installed at his Bundoora home, to upgrade his bathroom, and on restaurant meals, hardware, furniture, groceries and car washes, and either falsified invoices or misled colleagues into believing the expenses were legitimate.
He told the charity he was "terribly sorry" when his conduct was discovered, and claimed he took the money out of fear he would die from a heart problem or a condition that enlarged the blood vessels in his brain, and wanted to provide for his family.
Judge Cohen acknowledged Cirianni's health concerns, but was not satisfied they were the basis for his crimes.
"It was very bad judgment by you with dishonesty at its core," she told the father of three.
The judge said Cirianni's prolonged offending was a serious breach of trust to colleagues and the community with the potential to damage the charity's reputation.
"You held a senior position in the administration of a not-for-profit organisation. You must have well known how hard people within that organisation were working to obtain funding, including relying on the goodwill of members of the community to make donations and provide voluntary services," she said.
"Your dishonest diverting of such funds for your personal benefit was a breach of trust of the people who had made donations or volunteered their time in good faith, and tends to undermine community confidence that the organsations's funds will be used [as promised]."
Prosecutors earlier submitted a community corrections order was within the sentencing range.
Judge Cohen said she would have jailed Cirianni for at least 21 months had he pleaded not guilty and been found guilty at trial.
Guide Dogs Victoria chief executive Karen Hayes said the charity respected the court's "appropriate sentence", and commended police for their investigation and ensuring the money was recovered.
"It has been a long two years and we are glad there is now closure on this issue. We would like to thank the community for their overwhelming support during this difficult time," Ms Hayes said.
Adam Cooper
Adam Cooper joined The Age in 2011 after a decade with AAP. Email or tweet Adam with your news tips.


A woman in Australia narrowly escaped death after an overhead highway sign fell onto her car while she was driving.
The footage was caught on a dashcam by a man travelling behind her.
Her car roof was caved in but luckily she survived and was rushed to hospital with neck injuries.
Authorities are investigating what could have caused the sign to fall reports Australia's Nine News who obtained the footage. It reports that the government will foot the bill for the accident involving 53-year-old Nella Lettieri.


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Field of Constructed Wetlands Born Because of Work by UT Alum
By artsciweb November 3, 2016
In 1972, UT was one of two universities offering a PhD in ecology. Curt Richardson (PhD '72) was the second person to ever graduate from UT with a PhD in ecology.
"No question UT put me on the path to a remarkable career," says Richardson, who was hired as assistant professor of ecology in the School of Natural Resources at the University of Michigan after completing his degree. During his time at the University of Michigan, he worked on one of the first major studies in the United States on the ecological and biogeochemical effects of waste water additions to wetlands at Houghton Lake.
"I am proud to say my research showed that wetlands cannot efficiently remove phosphorus from the water and that the natural wetland communities were greatly altered by the invasion of cattails," says Richardson, whose research stopped EPA from approving the use of natural wetlands for wastewater treatment. "Thus, the field of constructed wetlands was born."
Richardson accepted a position as head of the ecology program in the Duke School of Forestry and Environmental Studies, which later became the Nicholas School of the Environment at Duke University. In the 38 years since, Richardson has worn many hats from ecology program chairman to acting dean of the school.
"However," says Richardson, "my first love is teaching and research." As professor of resource ecology, he has mentored hundreds of students and founded the Duke University Wetland Center in 1989.
Throughout his career, he has directed research on some of the most important wetland and water issues of our time. He is the author or co-author of over 200 peer-reviewed papers, written several books, received numerous national awards, and has been listed in Who's Who in Science each year since 1989.
"These career achievements cannot outshine the real value of having the opportunity to work with great students and people over the past four decades."
We love to hear from our alumni! Visit our Alumni News page and please share what is happening in your life using the Google Form link. Your story may end up on our website, social media platforms, or in our newsletter.
← UT Alum Joins EEB as Greenhouse Manger
Art and Science Working in Harmony in the Halls of Hesler →


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61 LISTS Movies in the MakingFun facts and wild true stories from behind the scenes of some of history's most beloved and infamous movies.
Edward Scissorhands Thelma & Louise Stand By Me Mary Poppins Taxi Driver Scarface The Sandlot Saving Private Ryan My Cousin Vinny West Side Story The Goonies Raging Bull The Craft The Wolf of Wall Street Cast Away Lara Croft: Tomb Raider The Godfather Mean Girls Goodfellas Kill Bill
Photo: via YouTube
15 Behind-The-Scenes Stories From 'Reservoir Dogs' That Are As Intense As The Movie Itself
Ann Casano
36k views 15 items
A non-linear narrative, a heist that's never shown on screen, a rookie filmmaker with an inclination to break every cinematic rule in the book, and graphic use of cruelty juxtaposed with sugary pop hits: Reservoir Dogs could have easily turned into a total debacle. The public might have brushed it off as yet another small-budget film that placed style over substance, destined to ultimately disappear into the endless abyss of movies that failed to leave a lasting impression. Even famed film critic Roger Ebert thought it was so-so.
But a change was brewing in the early '90s, an independent film movement that knocked down postmodern sensibilities - one that didn't cater to traditional storytelling or its restrictions. This evolution was led in large part by a video store clerk with neither a film school degree nor much experience behind a movie camera.
In 1994, Quentin Tarantino forever changed the landscape of cinema and independent film with Pulp Fiction; however, he only received money and big stars for that movie because of the artistic merit of Reservoir Dogs. Nothing about Reservoir Dogs is traditional, from the script and production to the dozens of disgusted people who left the theater during what has become one of the most recognized and parodied scenes in cinema history. Here is a behind-the-scenes look at the cult classic, a film many consider to be one of the best movies ever made.
Working With Lawrence Tierney Was A Nightmare
Photo: Miramax Films
Veteran character actor Lawrence Tierney, who played his fair share of goons on the big screen, was cast to play caper organizer and leader Joe Cabot. Unfortunately for Quentin Tarantino, this casting decision almost ruined his directing career in its first week. He said of the actor:
Tierney was a complete lunatic by that time - he just needed to be sedated. We had decided to [film] his scenes first, so my first week of directing was talking with this f*cking [guy]... By the end of the week, everybody on set hated Tierney - it wasn't just me. And in the last 20 minutes of the first week, we had a blowout and got into a [fight]. I fired him, and the whole crew burst into applause.
Tarantino has Harvey Keitel to thank for possibly saving his career. The actor stepped up and talked to the studio in defense of the director.
Harvey Keitel Used His Own Money To Pay For Casting
Photo: Miramax Pictures
In a true act of kismet, the wife of producer Lawrence Bender's acting coach was acquainted with actor Harvey Keitel. The legendary actor was handed the script for Reservoir Dogs and loved it. Quentin Tarantino describes the first time he spoke with Keitel, "He just called us up three days later and said, 'Look, consider me in. Not only do I want to do it, I want to be one of the producers. I want to help get it made. Whatever I can do, let me know.'"
Tarantino was a fan of Keitel, and he was more than willing to cast him in his directorial debut. The film's budget went from $30,000 to around $1.5 million because of Keitel's commitment to the movie. He also contributed some of his personal funds to help finance the picture, even flying the production crew to New York to find more actors. This trip secured Steve Buscemi, Tim Roth, and Michael Madsen.
Filming In The Warehouse Was Intense
Most of the film takes place in an abandoned warehouse, which serves as the meeting point for the boys following the score. The events in the warehouse unfold in real time. Unfortunately for the film's entire cast and crew, the production filmed during summertime in Los Angeles.
The warehouse had almost no ventilation. Michael Madsen's ear-cutting scene was especially difficult to film because the excessive heat had caused the prosthetic ear to melt.
Michael Madsen Improvised The Ear-Cutting Scene
Michael Madsen didn't rehearse the ear-cutting scene and felt intimidated by it: "In the script it said, 'Mr. Blonde maniacally dances around,' and I kept thinking, 'What the f*ck does that mean? Mick Jagger?'" Madsen stated he also felt uncomfortable acting out the intense scene because he had a small child at the time.
What's more, the young cop in the film begs Mr. Blonde for his life by telling him he's a father with young kids. Madsen was finally able to push aside his issues and draw his dance inspiration from an unlikely source: "I started thinking about this weird little thing Jimmy Cagney did in a movie that I saw, that's where it came from."
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BANGOR, Maine — The toss-up race in Maine's 2nd Congressional District is headed to a ranked-choice voting count, with U.S. Rep. Bruce Poliquin holding a slight lead over Assistant Maine House Majority Leader Jared Golden.
Lawyer Tiffany Bond of Portland and educator Will Hoar of Southwest Harbor received little support in the race, but they owned the gap between the two candidates on Wednesday. Bond had 6 percent of first-place votes to Hoar's 2 percent.
The outcome of this election will be decided by ranked-choice voting.
The campaign was the most expensive U.S. House race in Maine history, with the candidates and their allies spending more than $20 million on the race. As polls opened, the contest was expected to be a fulcrum over partisan control of the U.S. House of Representatives, but Democrats won the chamber on Tuesday without Golden's help.
At Dysart's in Bangor, Poliquin told supporters "we've got a long way to go." He left his party without answering questions from reporters.
Tuesday's election culminated months of bickering between Poliquin and Golden in debates and on the airwaves, where both launched hyperbolized attacks undercutting the other. TV viewers in the 2nd District were inundated with 6,300 ads during a nine-day stretch in October — more ads than constituents in any other House race district in the country.
Golden, a tattooed, 36-year-old Marine veteran of the wars in Iraq and Afghanistan, harnessed Democratic momentum to out-raise the incumbent with $4.6 million to Poliquin's $3.7 million as of mid-October. Outside money in the race also favored the Democrat.
Poliquin, 65, tried to paint Golden as politically and culturally out of touch with the district, which has leaned Republican since 2014, giving its electoral vote to President Donald Trump in 2016. In a district where voters rejected expanding background checks in 2016, Poliquin has repeatedly highlighted Golden's D rating the National Rifle Association against his A rating.
Golden took to spotlighting Poliquin's votes on health care. Many of his ads focused on the incumbent's vote to replace the Affordable Care Act with a Republican health care plan that a Congressional Budget Office estimate said would make coverage more expensive for people with pre-existing conditions.
A Poliquin loss would be historic. An incumbent hasn't lost a re-election bid in Maine's 2nd District in 102 years — when the district was only a geographic sliver of what it is now. Republicans had held control of the House at large since 2010.


text:
import sbt._, Keys._
import sbtrelease._
import sbtrelease.ReleasePlugin.autoImport._
import sbtrelease.ReleaseStateTransformations._
import sbtrelease.Utilities._
import com.typesafe.sbt.pgp.PgpKeys._
import bintray.BintrayKeys._

object common {

  def settings =
    bintraySettings ++
    releaseSettings ++
    publishingSettings ++
    testSettings

  val scalaTestVersion  = SettingKey[String]("scalatest version")
  val scalaCheckVersion = SettingKey[String]("scalacheck version")

  def testSettings = Seq(
    scalaTestVersion     := "2.2.5",
    scalaCheckVersion    := "1.12.3",
    libraryDependencies ++= Seq(
      "org.scalatest"  %% "scalatest"  % scalaTestVersion.value  % "test",
      "org.scalacheck" %% "scalacheck" % scalaCheckVersion.value % "test"
    )
  )

  def ignore = Seq(
    publish := (),
    publishSigned := (),
    publishLocal := (),
    publishLocalSigned := (),
    publishArtifact in Test := false,
    publishArtifact in Compile := false
  )

  def bintraySettings = Seq(
    bintrayPackageLabels := Seq("configuration", "functional programming", "scala", "reasonable"),
    bintrayOrganization := Some("oncue"),
    bintrayRepository := "releases",
    bintrayPackage := "knobs"
  )

  def releaseSettings = Seq(
    releaseCrossBuild := true,
    releasePublishArtifactsAction := publishSigned.value,
    releaseProcess := Seq[ReleaseStep](
      checkSnapshotDependencies,
      inquireVersions,
      runTest,
      setReleaseVersion,
      commitReleaseVersion,
      tagRelease,
      publishArtifacts,
      setNextVersion,
      commitNextVersion,
      pushChanges
    )
  )

  def publishingSettings = Seq(
    pomExtra := (
      <developers>
        <developer>
          <id>timperrett</id>
          <name>Timothy Perrett</name>
          <url>http://github.com/timperrett</url>
        </developer>
        <developer>
          <id>runarorama</id>
          <name>Runar Bjarnason</name>
          <url>http://github.com/runarorama</url>
        </developer>
        <developer>
          <id>stew</id>
          <name>Stew O'Connor</name>
          <url>http://github.com/stew</url>
        </developer>
      </developers>),
    publishMavenStyle := true,
    useGpg := true,
    licenses := Seq("Apache-2.0" -> url("https://www.apache.org/licenses/LICENSE-2.0.html")),
    homepage := Some(url("http://oncue.github.io/knobs/")),
    scmInfo := Some(ScmInfo(url("https://github.com/oncue/knobs"),
                                "git@github.com:oncue/knobs.git")),
    pomIncludeRepository := { _ => false },
    publishArtifact in Test := false
  )
}

redpajama_set_name: RedPajamaGithub


It's been a year since the San Antonio Missions' designation as a World Heritage site by the United Nations Educational, Scientific, and Cultural Organization, or UNESCO.
The San Antonio World Heritage Festival is taking place this week with events and activities for all ages.
"We are hosting this event to not only celebrate the designation, but also promote awareness to residents and then to raise funds for projects and nonprofits that protect and preserve and maintain and connect," said Colleen Swain, Director of San Antonio's World Heritage Office.
The main celebration begins Friday night with Restored by Light to Mission San Jose.
"That's where we project onto the mission what it might have looked like when it was painted," said Swain.
On Saturday there's a bike ride, 5K run/walk historic tour, family activities at all missions, including the Alamo, and a pachanga in the evening.
There are fees for the bike ride and 5K. For more details, and to register for the bike ride or 5K, go to the World Heritage Festival's website.
A year to the day after getting World Heritage status, the Missions National Park faces an uncomfortable deadline. And that deadline involves a lot of money. Susan Chandoah runs Los Compadres, the Missions National Park friends group.
"Our Missions grant is for $236,000."
That $236,000 is a slice of $2 million that are being given to several National Parks in a peculiar contest of sorts. That contest is one that you can actually participate in.
UPDATE: This event has been postponed and will be rescheduled for spring, 2016.
Now that the San Antonio Missions have been named a UNESCO World Heritage Site, the world knows what we know—these historic spaces are a treasure. Father David Garcia, the Archdiocesan Director of the Old Spanish Missions, has been a key player in the site's restoration, helping to raise millions of dollars for the project.


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text:
SENEGAL: Scant progress on talibé problem
21 March 2014 - Despite pledges by the Senegalese government to end child begging and to crack down on the Koranic schools that exploit the tens of thousands of boys, Human Rights Watch (HRW) said in a report released on 19 March that very little has been done.
Known as talibés, the children take to the streets each day in Dakar and other urban centres to beg for small change and food. The boys, some as young as four years old, are often under-weight or malnourished, barefoot and in old, tattered clothes. They spend hours in the sun, weaving in and out of traffic, hoping to receive enough alms to reach the daily quota set by their teacher - usually around 500 CFA (US$1), plus sugar and uncooked rice. If they do not reach their quota, they risk being beaten.
"For years, successive governments in Senegal have talked about the need to regulate Koranic schools, to make sure there are minimum standards, and that there is oversight in terms of the living and learning conditions of these schools," said Matt Wells, a West Africa researcher for HRW and author of the report. "But there hasn't been the action that I think many of us hoped to see. You still have as many boys on the streets begging as ever in Senegal," he said.
A recent government survey found that more than 30,000 of Dakar's 54,837 Koranic students practiced begging as part of their "education", said Awa Ndour, a representative of the Ministry of Justice's anti-trafficking unit.
Many of the exploited talibé live in half-constructed buildings, with no water or electricity. They sleep crammed together on dirt floors in small, mosquito-infested rooms. HRW says the boys are subject to physical and emotional abuse. There have been reports of boys being chained up for hours or days at a time.
"It's an embarrassment to Islam, these schools that claim to be Koranic," said Mouhamed Niasse, an imam and Koranic teacher in Dakar. "I have more than 300 students, and not one of them has ever been out onto the streets to beg. I pity the children I see on the streets."
A 2010 HRW report found that only about half the talibé in Senegal are Senegalese. The rest are trafficked from neighbouring countries, including Guinea Bissau and Mali, where poor families are promised their sons will receive a proper Islamic education under the care of a 'marabout' or Koranic teacher, at schools known as 'daaras'.
The boys often have no contact with their families once they leave home, and because most do not know anyone in Senegal, they become entirely reliant on their Koranic teachers for food, health care and shelter.
The practice of giving money and food to the talibé is normal throughout the country. Most people that IRIN spoke to in Dakar said they give small change or food to the talibé on a daily basis, mainly for religious reasons. Many Muslims believe that giving alms is a core part of the Islamic faith.
Almost everyone who gives to the talibé, however, was adamant that they do not condone the practice.
"Yes, I give to the talibé," said Thierno Diao, a shopkeeper. "Nearly every day, I give them bread to eat or some money. Sometimes I even give them my old clothes. I do this because when I see them, it touches me," he said. "But the talibé, the marabouts, it's not normal. The state needs to eliminate it in our country.
"It's not how you practice religion," he said, shaking his head. "It just isn't right."
Actions have little effect
HRW says that the Senegalese government has taken some steps toward ending the practice, but that very little progress has been made.
In 2005, the government passed a law criminalizing child trafficking and profiting from forced child begging. But according to HRW, the law has never been used to penalize Koranic teachers.
When President Macky Sall was elected in 2012, he promised to put an end to child begging and to improve the living conditions at Koranic schools.
On 3 March 2013, a fire broke out in a makeshift Koranic school in Dakar, killing eight boys. It was reported that the school's teacher, who was not there at the time, often locked the boys inside the building. In the aftermath of the incident, the government created an action plan to end child begging by 2015. But thus far only one school has been shut down for "reasons of safety," and no Koranic teachers have been punished, despite numerous instances of clear child abuse and exploitation.
"We really need to do more this time to protect our most vulnerable," said Awa Tounkara Cissé, a representative of the Senegalese Lawyer's Association. "Laws have been made. They exist. But every day, there are children out on the street begging. It is time now to apply these laws, to enforce them," she said.
Drafting a law
Senegal's Ministry of Justice says that for the past year, they have been drafting a legal framework that would, for the first time, regulate Koranic schools.
Legislators say they are working to establish standards on living conditions and teacher qualifications. The schools would not be allowed send students out to beg, and they would be subject to periodic health and safety inspections.
While the penalties are not yet clear, the government would have the power to close any school that does not comply with the new law.
The draft law is currently under review by Senegal's Supreme Court. It will then be presented to the National Assembly for a vote in the coming months.
At the same time, the government plans to financially support legitimate Koranic schools - those that actually provide proper food, housing and care while teaching young boys the Koran.
HRW says that while all this marks progress, the most critical issue is law enforcement.
"There are some strong people in the government today that are really trying to address this issue," said Wells. "I think there have also been some important changes within the religious communities and the population at large here, who are starting to talk more and more about this problem rather than saying it's difficult or too sensitive to address. But the key," said Wells, "will be ensuring that the law is actually enforced and doesn't just become another law on the books, one that doesn't affect boys' lives in reality."
Guirane Diène, the coordinator for the Platform for the Protection and Promotion of Human Rights (PPDH), a coalition of 50 organizations working on the issue of forced child begging in Senegal, said the lack of action has become "more than worrying."
"The law of the republic guarantees each child the right to education, the right to social protection," he said. "So it's time our society took responsibility. It's time the authorities stepped up and applied the law of the republic."
Police must investigate the conditions of children found begging on the street and judges must enforce the laws and punish those found guilty of breaking them.
Activists say Senegal must also work with neighbouring countries to stop the trafficking of young boys by marabouts. And civil society groups must do a better job of protecting boys found to be abused.
"We are not asking them to go to the moon," Diène said. "We are just asking them to enforce the laws that protect our children."
Source: IRIN
Talibé
More in this category: « CAR: The Central African Republic has become a nightmare for Muslims SOUTH SUDAN: Time running out for children »
NAMIBIA: Youths Dream of a Better Future for the African Child
SENEGAL: Can Senegal Stop Child Begging, Trafficking by Islamic Teachers?
SENEGAL: Open Letter to H.E. Macky Sall, President of Senegal
SENEGAL: President Sall Threatens to Jail Parents of Child Beggars
SENEGAL: Government acts on child begging after fire kills nine in care of renegade teacher
BENIN: Poverty pushes youngsters into the employ of child traffickers
African child mortality: The best story in development


Paris is a photographer's paradise. I shoot a whole different set of images with my iPhone than with my professional camera, and this particular Europe trip is going to be no exception. You're welcome to join Ruth and me for the next two weeks as we discover some amazing places and make life-time memories.
Over 400 days ago, my travel buddy, Ruth, and I started counting down and today we finally said, "Bon voyage!" My bag was not an ounce over or under 50 lbs. Yes, I won the gold star for packing perfection, right? Aside from the disgusting United Airlines "special" meals, our excitement is off the charts in anticipation of the next two weeks of pure adventure. Yesterday afternoon we flew from Sacramento to San Francisco and then direct to Paris. Not long before touch down, we flew over my little, green, island home and waved to the queen. A few minutes later we saw the French coastline and I think Ruth was about to pop with delight. This is her first time leaving Charles de Gaulle and it's a BIG DEAL!
We made our decent into Charles deGaul and discovered that this 1950's sci-fi-looking concrete behemoth doubles as a prison. From the air, Charles de Gaulle looks like a connected line of little sausages with a few random appendages in odd locations. Once you arrive, you never leave…unless you already have a suitcase full of coins. After searching for the elusive coin machine for at least two hours, (oh, yes! we asked for directions several times!) we finally found it hidden under a staircase behind a military checkpoint…okay, well not quite. However, it would have been easier had it been surrounded by commandos with AK-47s because that would have made it obvious.
We didn't think most of today would be spent in the airport, but, then again, one never imagines the dark side of traveling when you arrive in a country that's fixated with coins! Once we got our coins and RER (train) tickets, we had to get to the train which would take us to Paris. How hard could that be? After all, we had detailed instructions to help us navigate one of my least favorite airports on the planet. Good luck trying to get easily from one sausage terminal to the next, which is what we had to do. We ended up on the wrong side of the platform, so we had to haul our bags back up a long flight of stairs, thanks to the lift operator who curtly informed us, "It's broken." Never fear. We are survivors and eventually made it to the other side with our bags and a renewed sense of determination to live another day, simply, because we didn't want to die in Charles de Gaulle.
Due to intense research, prior to this trip, I learned all about the slow train and the fast train. We had to get on the fast one since the scenic ride wasn't on today's agenda. When the train arrived we had a few moments of second guessing ourselves and rechecked and triple checked the information board. We already know what we're like when sleep deprived. Once we convinced another couple to get on our empty carriage with us, we felt better that if we were going in the wrong direction at least we wouldn't be alone. The doors shut and we were off.
An hour later we arrived and even though the sign on the wall read "Notre Dame" we ended up exiting this major station (the size of a small country) at the exit farthest from our desired location. I'm not sure Ruth was feeling so enthused at this point, because she kept making uncomfortable noise as she pulled her now one-wheeled suitcase over uneven pavement and cobble stones. Finally! We arrived at our new home on Rue de la Huchette – the most perfect location in all of Paris! We are in the Latin Quarter across the street from Notre Dame Cathedral and Notre Dame station. Our apartment is hidden away on the second floor (first floor for Americans) in what once was King Charles IV's stables, during the Middle Ages. (Charles was king of France from 1294-1329.) Our one bedroom apartment has two beds, one in the bedroom and one in the main room. We are in love! This place has everything we wanted: history, charm, elegance, and location, location, location! After dropping off our bags, it didn't take us long to get out on the town looking for the local grocery store to buy our breakfast for the next few mornings. Grocery shopping was lots of fun because we found a hidden-away shop at the back of what appeared to be only retail. I am delighted with my fresh bread, jam, and muesli, while Ruth has a nice selection of croissants to keep her happy.
Considering we hadn't eaten a real meal since we left Sacramento, we went back out to find something edible for two vegetarians. It didn't take long to walk down our very romantic, cobble street and discover Trattoria (Rim) Pizzeria (38 Rue Saint-Séverin). We are definitely coming back here! Their aubergine gratinée is out-of-this-world! After dinner, Ruth was on a mission to find authentic gelato. Thankfully, within a few feet of our apartment, she found Amorino (16 Rue de la Huchette). I was concerned that she would dehydrate from salivating, while standing in the que. Her quest is was over and she's a very, very happy birthday girl. I have a feeling we will be coming back here A LOT!
After a quick stop to the famous Shakespeare and Company bookstore and a close inspection of a real stuffed donkey standing in a restaurant doorway, it is now bedtime, but the fast wifi in our little ancient home is fast and it's hard to shut down when there's so much to say. Stay with us! The adventure has only begun and tomorrow we have a full day planned. We are going to the Pont des Arts bridge, Conciergerie Prison, Opera Garnier, a Hop On/Hop Off bus tour, and sunset photo shoot at Montparnasse Tower.
All images on this blog are copyrighted. Please do not download, print, or use them. Contact me to purchase my images. Thank you!


text:
Wine, Art, Cars: Alternative Luxury Investments
Fancy Bordeaux, seaside mansions, and limited-edition roadsters should be part of your financial plan as you age. You've earned it; now enjoy it. Here's your list of what to splurge on.
Jason Notte
Updated Sep 17, 2017 12:40 PM EDT
Original: Sep 14, 2017
Planning for your financial future requires disciplined saving and investment, but at some point you have to start investing in yourself.
It might sound crazy, but you may have to enjoy yourself a little, too.
With few exceptions, a retirement plan hits you with required minimum distributions by age 70.5. Around that point, or even a little bit before it, you need to ask yourself what you were saving for. Experts at both Voya Financial and and U.S. Bank note that in retirement you will need 70% to 80% of your current annual income to continue your current lifestyle in retirement. So if you've saved at that rate, or even above it, are there portions of your retirement plan that you'd like to see exceed your current lifestyle?
Your current lifestyle includes 40 hours or more of work each day for both yourself and, if applicable, your partner. If you don't plan on working during retirement, those are a lot of hours to fill. That's why many high achievers are continuing to work and pursue their professional passions as they age. However, there are a whole lot of you out there with dreams of retirement: of traveling to places you've never seen, getting around to those books you've never read, finally enjoying museums and theaters or even ditching that empty nest and finding a more ideal place to call home.
For many people, that leisurely existence may seem just out of reach as they age. Though GOBankingRates notes that 13% of workers have $300,000 or more saved for retirement, about 30% of those age 55 and over have no retirement savings and 26% have less than $50,000. In fact, only 26% of Baby Boomers nearing retirement age have $200,000 or more, while 31% of Boomers over 65 can say the same.
10 Great Ways to Earn Extra Money in Retirement
You Don't Know Jack About Retirement
Do You Live in One of the Best States for Retirement?
And according to a survey by Prudential, a whopping 74% of you think you should be doing more to prepare for retirement, while 40% don't know what to do to prepare. Though 24% of workers think they'll need $1 million or more to retire, 54% have less than $150,000 saved in employer-sponsored plans. It doesn't help that 20% of workers don't believe they'll ever be able to retire, while 35% say they'll never be able to save enough, so it doesn't matter when they start saving.
That still leaves the majority of you on track to reap the rewards of your retirement planing. While your 401(k), IRA, Roth plans and various other traditional investments got the best retirement planners this far, perhaps its time that you started making some investments in yourself. We've let our imaginations run wild and have come up with more than two dozen alternative investments you can make either before retirement or with your hard-earned retirement savings.
Macy's, Target, Others Will Have Brutal Time Hiring 248,000 Santa's Helpers
Best And Worst Countries to Live in as an Expat
Tesla's Elon Musk Expects World War 3 -- Here's What He Sees as the Cause
These Are the 10 Worst Colleges in America
Editors' pick: Originally published Sept. 14.
According to the National Association of Realtors, the median existing-home price in July was $258,300, up 6.2% from July 2016 ($243,200) and continuing more than five-straight years of year-over-year gains. Those averages range from $205,000 in the Midwest to $373,000 in Western states.
We aren't going to sit here and tell people who've lived through a housing crisis and multiple hurricane seasons that there isn't risk involved in real estate. However, if you've ever wanted a private island, a house in another country or just a summer home, there are investments far more volatile than real estate.
C'mon, Dream Big! 10 Celebrity Homes You Can Own Right Now
Yes, art has a fairly high point of entry if you're looking for the most valuable of collectibles, but you're also hitting the art market at a fairly interesting time. Total art sales soared from $260 million in 1995 to $56.6 billion last year, according to UBS Group and Art Basel. That said, the global art market shrank by 11% last year and marked its second-consecutive year of declining sales. Sellers are holding back amid global economic and political uncertainty, making the art currently on the market more valuable. With sales of postwar and contemporary works down 13% in 2016 and sales of modern art down 43%, big auction houses like Sotheby's and Christie's are suffering. However, local galleries now make up 57% of all global art sales, meaning great art is more readily available in your own backyard. If you have some level of art expertise or appreciation and either seek a piece for your personal enjoyment or enjoy an artist whose work may be of greater value, your risk is always accompanied by at least superficial rewards.
Here's Why Millennials Are Investing in Art
No, the happiest days in a boat owner's life aren't the day they buy it and the day they sell it. If you know what you're doing and actively enjoy boating, only that first day should rank among the best days of your life. Boats, like cars, are going to depreciate. However, Russell Shinsky, a partner at Anchin Private Client, notes that a boat or yacht broker can help minimize the damage if you articulate exactly what you're looking for. What they can't minimize is sales tax (on the first $230,000 for boats in New York) or use tax (paid in whatever state the boat is registered). That said, paying for a boat through a mortgage allows buyers to deduct interest, while boat sales tax is generally deductible on either a federal or local tax return. Property tax on you boat is also deductible, though boat dockage fees are not. If your first motivation for buying a boat isn't enjoying time on the water either on your own or with your family, it'll seem less like an investment and more like a strong current that just keeps pulling your money out to sea.
Live Like a Superstar: 10 Luxurious Yachts You Can Charter
National Parks Senior Pass
Yes, there was a whole lot of grumbling when the cost of the National Parks Service Senior Pass, for those ages 62 and over, jumped from $10 to $80 at the end of August. However, that price hadn't changed since 1994 and the new price is still a steal. The current price of an annual pass for folks under 62 is $80. However, the $80 senior pass is good for the lifetime of the person holding it. It also allows up to three traveling companions in for free and provides discounts for camping, boat launches, swimming and guided tours. If you're uncomfortable just handing over $80 all at once, you can buy $20 annual Senior Passes and exchange them for a lifetime Senior Pass once you've purchased four years' worth. It isn't the ridiculous deal it once was, but $80 for a lifetime of free access to 2,000 National Park Service, Fish & Wildlife Service, Bureau of Land Management, Bureau of Reclamation, Forest Service and Army Corps of Engineers is still a bargain.
6 National Parks Out the U.S. to Add to Your Bucket List
Yes, this is aimed toward the Senior Pass crowd, but if your dream in retirement was not to be tied down and see the continent, there are a whole lot of folks who do so in trailers and motor homes. If you decide to go on the road full-time, most folks who choose that lifestyle set up residency in South Dakota (no income tax, 4% sales tax, less than $15 in vehicle registration fees) and hit the road. You swap property insurance for auto insurance, rent or a mortgage for about $3,000 in fees and a full suite of utilities for whatever you pay in electric. Now, your level of comfort with this lifestyle will dictate whether you're OK living out of a $35,000 trailer or a $3 million house-sized bus, but if the road and a continent full of wonders beckons, this sure beats paying for a fixed home, airfare and hotels.
According to a recent RBC Wealth Management poll, 63% of Americans age 50 and older say travel is an important retirement goal. However, about half say the high cost of travel could prevent them from achieving that goal.
Another survey by The Principal found that 20% of U.S. workers said travel blew their budget for 2016, putting its cost on par with food and groceries (20%) and just below dining out (25%). Financial firm UBS, meanwhile, discovered that 73% of Millennials (ages 18-34) focus on short-term needs and goals, such as homes and travel and believe that retirement is too far away to worry about. Nearly 30% have traveled the world for a month or more, more than half with retirement accounts have or would consider dipping into them to make a large purchase and with 25% have already raided their retirement savings for those purchases.
"Everyone is worried about whether they will have saved enough to fund a comfortable retirement," said Tom Sagissor, president of RBC Wealth Management-U.S. "The closer people get to retirement age, the more they begin to look at needs vs. wants. Often times, because of fear, the needs win out, putting bigger dreams like a trip to Greece or Beijing on hold. But there are many ways to rebalance assets to make travel, if that is indeed a goal, a reality."
However, age 50 through 65 is when most travel discounts start kicking in. While senior airfare discounts aren't what they once were, they still exist. However, those 10% discounts are outdone by a 15% Amtrak price cut and 20%-50% hotel discounts. If companies want to subsidize your vacations, and we haven't even touched travel company discounts on package tours, why not take the free money they're offering and laugh at all the youngsters overpaying for the same trip.
We Just Debunked These 10 Retirement Myths
Do you know how much you'll have to pay in tuition if you want to fulfill your curiosity or even learn new skills at college after age 50? Nothing, if you know where to look. Going back to college and continuing your education is a great investment in yourself, but the AARP and many local colleges and online programs have made it easier to get that experience for free. As the AARP points out, The Massachusetts Institute of Technology, Stanford University, Harvard and the University of California at Berkeley that provide uncredited courses online. Consumer Reports notes that some schools will waive tuition for students age 60 and over, while schools in every state will either waive or deeply discount tuition for students over 60. While not all of these institutions offer courses for credit, there are enough out there that you can easily pursue another degree. If that isn't your goal, however, some of the greatest educators in the country are available to you for free as part of audited courses.
Rare beers
Doctors may have mixed views about beer being a sound "investment" at this age, but nobody says you have to drink them to enjoy them. If you took our advice about travel earlier in this slideshow and found yourself at, say, Brasserie Cantillon in Brussels, some of the beer you'll find there will be worth several times as much at auction here in the U.S. While reselling beer is illegal in this country anywhere other than an auction house, that hasn't stopped an entire online industry from springing up around it and driving the price of single bottles of beers like Toppling Goliath Brewing Company's Kentucky Brunch Brand Stout into the $5,000 range. We don't advise outright entering a life of crime in your retirement years, but if your RV just happens to be in Decorah, Iowa, as Toppling Goliath is releasing its newest vintage of KBBS, we wouldn't blame you for picking some up and testing the market.
These Black Market Beers Cost More Than Your Monthly Income
If your ideal weekend involves going through antique and trash shops looking for treasures, there's a whole culture of dealers and television shows like Antiques Roadshow, American Pickers and Pawn Stars that exists simply to inform you that your have a potentially lucrative pastime. We're going to emphasize "potentially," because antiques are a tough market to pin down. There isn't much centralized public data for price comparisons, since most antique deals are private affairs. Also, you don't flip an antique the way you flip a house. To make it a worthwhile investment, you basically have to sit on it for a number of years, hope that the style or maker of the item gets popular and really hope that whoever owned it last either did nothing with it or didn't do too much refinishing or replacing. Plus, there's the small issue of demand: Antiques may have an ideal worth, but they're only worth that to a specific buyer willing to pay for it. It's why certain items in antique stores are snapped up the minute they hit the floor, while others linger on shelves for years. Antiquities comprise a very specific market with specific tastes. But if you have the time to both find treasure and wait for the people who love them, antiques can be one of the most sound investments you'll make.
It's true that just about anyone can fund a movie if they're willing to contribute to a Kickstarter campaign and take T-shirts, Blu-ray discs or a day on set as their return on investment. However, if you'd like your investment to yield benefits beyond a finished product or a seat that the premiere, it's going to cost a lot more and get a lot more risky. Three years ago, Forbes pointed out that the group Media Society allowed investors to put money into a slate of three to five films for an all-encompassing $150,000 price. There are no guarantees in that investment model, and a whole bunch of films still end up being bombs. However, if you love films and are thinking of making a business out of them, those kind of investments are where you start. However, if your goal is simply to help films get made and to occasionally sit next to Spike Lee at a Knicks game, there's always crowdfunding.
Country/athletic club membership
We've already noted future retirees' concerns about health care, but what if your concerns about staying healthy were coupled with fears about who you'd hang out with, where you'd host your sons's second wedding and who'll make you a poolside smoothie and avocado sandwich when you're feeling peckish? Any rube with a Planet Fitness in the local strip mall can join a gym, but if you're looking to stay fit, keep busy and enjoy plush amenities, this is your chance to join the club. Expensive, you say? Well, if you're one of those folks who's downsizing their life anyway now that the kids are gone, why don't you take some of that cash you're not spending on a mortgage and put it toward a membership at a place like Chicago's East Bank Club, where a $700 initiation fee per couple and $325 in monthly dues get you access to fitness facilities, personal trainers pools, indoor golf, kayaking, yoga and pilates classes, nutritionists, tennis and squash courts and a roof deck and pool with gorgeous views of the city. The East Bay Club is just an example, but access to spas, salons, multiple restaurants, private event spaces and people with similar interests that seemed like an onerous investment during your working and parenting years could be a fine investment in your well being as you approach retirement.
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Theater memberships
There's a difference between being someone who goes to the occasional Broadway show or touring production and someone who is a patron of the arts. If you love theater enough to be the latter, patronage comes with enough perks to make it worth your while. At New York's Atlantic Theater Company, for example, patronage ranges from a $500 donation with numerous discounted tickets to a $10,000 tier that includes seats, dinners, backstage tours, cocktail parties, dress rehearsals and more. By contrast, the Papermill Playhouse in Milburn, N.J., typically solicits donations between $100 and $750, with the upper tier getting access to dress rehearsals, backstage tours, donor-only events, complimentary vouchers for friend and more. Even big companies with large-scale sponsorships rely on patrons to keep them afloat, making this your chance to support the productions you love.
MoviePass or movie theater membership
The summer movie season was awful in 2017. With fewer people going to movies than they did in the mid-'90s, the value of going to theaters is in question. After all, why wager more than $10 on any one movie when that same price gets you a month of just about any streaming service? Well, there are still people out there who value the theatergoing experience, as evidence by the number of customers who stormed theater-based subscription service MoviePass after it lowered its monthly price from $50 to $9.95. That price allows you to see one movie a day for a month at various theater chains -- though theater giant AMC has already expressed displeasure with it. MoviePass bulked up to 150,000 subscribers this year after finishing 2016 with just 20,000 and it expects to have 2.5 million subscribers in just a few years. However, if you're less of a multiplex person and enjoy your local cinema's more eclectic offering, independent theaters have offered memberships for years. As former "film buff" members of the Coolidge Corner Cinema in Brookline, Mass., my wife and I got $3 tickets to shows, concessions discounts and the occasional free popcorn vouchers. However, if we'd upped our $140 annual membership to $400, we'd get free films Monday-Friday and $3 shows on the weekend. $550 a year gets free movies for two, while $1,200 covers either a family of four or a couple and two guests. If you have a lot of time on your hands and are at the movies often anyway, it's a great way to support an independent local business while also keeping the industry you love in business.
Museum memberships
Researching this particular investment made me feel like a moron. The Portland Art Museum in Portland, Ore., isn't the Met, but it hosts a full season of rotating exhibits as well as 42,000 artifacts on a two-block campus. I've been on several occasions and find a new gem each time, but have never inquired about membership. For $65, you get into the museum for free all year. For $95, two people get free access. However, for $150, you not only get access to this relatively tiny museum in Portland, but to 18 other museums including the Fine Arts Museum of San Francisco, Museum of Contemporary Art in Chicago and the Seattle Art Museum. Sure, you can spend $2,000 a year for VIP access and other perks, but $150 a year covers not only your home museum, but museums from New Orleans to Victoria, B.C. I'm nowhere near retirement and giving this serious consideration, so it's not difficult to imagine an art lover with a whole lot of time on their hands doing the same.
All of those perks that apply to arts memberships tend to apply to sports season ticketholders as well. Whether it's access to special events, discounts at stores, priority entry or behind-the-scenes access, teams tend to treat their season ticketholders extraordinarily well. In many cities, the toughest part is just getting your hands on season tickets. For an example, I looked at a team in my corner of the country that has no waiting list for season tickets, rarely fills its building and has 80 games a year to deal with: The Seattle Mariners. This team hasn't been to the playoffs in 16 years, so it lays on the perks pretty thick. Mariners season tickets are 35% less than those sold individually, they can be printed at home and easily transferred, they give fans access to private dining facilities, they provide access to presales for spring training and Safeco Field events, free tours of the stadium and free media guides. Best of all, as a Mariners season ticketholder, you're buying in low. When young talent eventually starts paying off and the playoff dry spell ends, the value of your tickets is only going to increase... if only because it can't get much lower.
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"What difference do we make in the world, how do we leave our mark in this would and how do we leave this world a better place?" says Masood Vajdani, founder of MV Financial in Bethesda, Md. "It sounds cliched, but a man could make a change by giving back to a world that allowed him to be successful enough to make $20 million, $30 million or $40 million. You could give that money and make a difference to causes that you care about, and you avoid taxes and get the government to pay for it."
Sure, you could donate to charity for selfish reasons. The Internal Revenue Service allows taxpayers to deduct donations up to 50% of their adjusted gross income when those gifts are given to public charities or certain private foundations. Even for gifts to family or other non-qualifying foundations, the deduction can be as large as 30% of all adjusted gross income. Of course, the more you have to give, the greater the tax benefit. For example, an individual in the 28% federal income tax bracket that makes a $500 charitable donation, will see their tax liability decline by $140 (28% of their tax bill).
For wealthy individuals subject to either federal or state estate tax, the assets they give to qualified charities will escape the tax. With a top federal tax rate of 40%, $4 out of every $10 in assets subject to the tax will go to the government instead of to family members and other loved ones. Not only is the family losing that money, but it's losing a valuable opportunity to learn about how to manage whatever wealth remains.
"For those individuals with donative intent, donating assets to charity may not only reduce their estate tax exposure, it can also be used as an opportunity to teach their beneficiaries about thinking less about themselves and doing more for those less fortunate," says Shomari Hearn, certified financial planner and vice president of Palisades Hudson Financial Group in Fort Lauderdale, Fla. "In fact, by informing loved ones of their philanthropic objectives, donors can get their family involved in the process by holding family meetings to discuss giving goals, selecting the charitable organization(s) that will receive their donations, establishing a vehicle (like a donor-advised-fund) through which to donate , and evaluating the impact of the donations that have been made. This is an effective way to pass core values on to younger generations."
James Revels, a partner at Citrin Cooperman, says that commitment to philanthropy should begin when benefactors are still alive to see the results. Revels' firm uses various types of trust structures to fund family foundations while these individuals are alive and educate later generations about the wealth they'll be working with and the charities that will fulfill the family goals. If a wealthy individual has wealth to pass along. but faces a $5.434 million gift tax cap, Revels notes that they can place money into a special type of trust that is viable for a specific number years. Assets including stocks, bonds and cash are added to the trust, which has to pay a certain sum of money to a family foundation that is created at the same time.
The family foundation can use family members as foundation members or directors, depending on how you structure the foundation. Over a 5-, 7- or 10-year period, this trust will pay an annuity to the foundation, which is required to pass out 5% of the value of the foundation to various charities.
"The generations get so see the money come into the foundation," Revels says. "They don't have anything to do with the trust, but you can have family meetings each year to discuss what charities you're going to give to. They can take field trips to various organizations so that second and third generations and even further can get an idea of the charitable concept and when it's good to give money to some places and when it's not so good to give to places -- to teach them proper philanthropy, so they're not just throwing it away to who knows where."
"It's a win-win," Vojdani says. "It's a win for the family and a win for the charitable association the family believes in."
There are somewhat mixed reviews on the futures market for wine from Bordeaux, France. Last year, our Tracey Byrne said Bordeaux futures were worth savoring.They're sold in the spring when wine is still in the barrel and the wine is delivered two years later. If nature is kind, the value of your wine will exceed the futures price by the time it reaches you. However, it's an approach that requires some research to distinguish a potentially great year, like 2015, from off years. It requires visiting wine chat boards, talking to brokers and taking a fairly obsessive approach to the commodity.
Around the same time that Byrne wrote her piece, Joe Czerwinski at Wine Enthusiast dubbed wine futures a "fallacy." He wasn't wrong. London wine exchange Liv-ex notes that vintages beat futures prices just four times between 2005 and 2014. Even the 2009 and 2010 vintages, which have become legendary, never exceeded their futures prices. With prices of 2015 futures jumping 20% to 60% percent over 2014 with help fromfirst-growths, like Château Margaux and Château Haut-Brion, Czerwinski recommended skipping those $540-$650 bottles for "beautiful, mature wines" like the 1985 Château Margaux ($500) and 1995 Château Haut-Brion ($480).
Bordeaux futures are a tough gamble for wine lovers. When in doubt, go with the known commodity.
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A dedicated comic-book collector is always going to make their weekly run to the shop anyway, but one who eyes comics as an investment has more incentive than every to invest. As we discovered last year, the right comic book can outperform gold and the S&P 500 with its return on investment. However, if you want to know what the next valuable comic will be, you'll have to pay attention to the properties that movie studios are buying and the characters that are going to be introduced. You have to listen to Disney's conference calls about Ant Man and Black Panther movies to see what characters they'll be facing and then find out in what comics they debuted. Groot from Guardians of the Galaxy debuted in Tales to Astonish, No. 13 back in 1960, but that book was $535 before the film version of Guardians of the Galaxy debuted and $4,000 afterward. If you still have it in you to go to comic cons, hang out on message boards, listen to gossip and dive into the occasional box of comics, you could turn your hobby into a decent investment opportunity.
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Not every old car becomes a valued collectible. Even hot cars in high demand sometimes end up old and worthless. However, if a popular and otherwise benign car has a particularly rare engine type, had a redesign that lasted all of a year or had modifications that have become hard to find years afterward, even those everyday cars could be lucrative classics. As '60s and '70s muscle cars find their sweet spots and '80s and '90s cars that aren't European supercars continue to age poorly, it becomes increasingly difficult to find hidden gems tucked away in garages. However, if you have the passion to restore one of these vehicles or the knowledge to distinguish rare beauty from common popularity, this could be a lucrative labor of love.
There is a lot of worthless garbage out there passing itself off as "collectible.
It makes us pity the sports fan trying to distinguish museum pieces from the mass-produced flotsam that floods memorabilia shops and trade shows. With millions of people holding on to items they think will be "worth something someday," and countless frauds preying on their ill-conceived notions of big-money returns for largely sentimental value, we had a really tough time recommending memorabilia as an investment. However, if these items produce some level of comfort or nostalgia for you or are associated with a particular moment or event in your life, there's a strong chance you'd never part with them anyway. That's about the best memorabilia investment you can ask for, and that's exactly what makes memorabilia worth pursuing.
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Public radio or televsion
We'll admit that there's a ton of overlap between theater, museum and cinema patrons and the folks who support both PBS and NPR, but there's a reason for it. When you listen to Morning Edition or Wait, Wait, Don't Tell Me or watch Jim Lehrer or Call The Midwife, you're placing value on media that isn't created by a shareholder-held company or strictly beholden to sponsors. You're identifying something worthwhile to you and something deemed so worthwhile to the public good that it exists under the Corporation For Public Broadcasting with taxpayer support. However, as with anything taxpayer-funded, PBS and NPR are at the whim of political winds and, of course, viewers and listeners like yourself. When the political side clamps down on the funding, it's on listeners and viewers to pick up the slack. Writing this from a market in Portland, Ore., where the NPR station is the No. 2 station in the city, it's clear the impact that donors can have on both its programming and reach. If you're watching or listening and enjoy it, at some point your support has to be about more than demographically specific tote bags.
You want a free press? You want to limit the influence of shareholders and sponsors on editorial content? You want to keep various, vibrant sources of information viable to make sure you aren't getting your news from less than a handful of agenda-driven sources? Well, it may be time to actually invest in it, and we don't mean buying shares of News Corp, The New York Times or event TheStreet. Subscriptions help remove the money you don't want involved in the news-gathering process and encourage an independent press. Granted, you can wear that subscription like a badge, flash a tote bag and buy Wall Street Journal wine, Atlantic onesies and New York Times candlesticks. But, far more importantly, you can invest in institutions that you value and see immediate returns.
It isn't the most "alternative" of alternative investments, but you're not going to be able to enjoy yourself unless you get this squared away first.
Though a UBS Wealth Management Survey indicates that only one in five wealthy retirees worry about outliving their assets, their health remains an issue. Of those surveyed, 73% say getting sick is their top retirement concern. Nearly half (47%) are also worried they will not have anyone to take care of them.
In that small way, they share the fears of the average U.S. worker. Voya Financial points out that 59% of working Americans are very or extremely concerned about outliving their retirement savings -- with 74% having never calculated their monthly retirement income needs. Both Voya and U.S. Bank note that retirees will need 70% to 80% of their current annual income to continue their current lifestyle in retirement.
That's easier said than done. The Voya study found that 61% of workers were significantly concerned about their inability to pay for healthcare expenses in retirement. Meanwhile, 58% were also significantly concerned that they would end up with fewer Social Security benefits than expected. That's not great news, when 45% of retirees plan to rely on Social Security as a major source of their income in retirement and 66% of workers planned to start taking Social Security at age 66 or younger - well short of when full benefit payouts begin at age 70.
Eric Meerman, a certified financial planner and vice president at Palisades Hudson Financial Group in Stamford, Conn., notes that workers in high-deductible health care plans can put their money into health savings accounts (HSAs), where it can grow tax-free as long as you use it for qualified health expenditures (doctors and medications, but not premiums). The Internal Revenue Service sets the HSA contribution limit at $3,400 for individuals, but bumps that up to $4,400 for contributors 55 and older.
Dan Yu, managing principal at EisnerAmper Wealth Advisors, also recommends keeping 18 to 24 months worth of savings on hand to cover yourself in the event of an emergency. With health care costs growing at a rate two to three times that of inflation and health care accounting for a third of expenses by the time a person hits 70, Yu recommends not only that cushion of savings in a low-yield account, but a more aggressive health-care savings plan for those who decide to stay on the job.
"I want to keep up with that exacerbated inflation rate, so where can I get 6% or 7%?" Yu says. "Not in fixed income, not in CDs, but in equities. But if it's something we're going to tap into, we have to be really prudent about having equity exposure when we have short time horizons."
How a Health Savings Account Can Give Your Retirement a Dose of Vigor
The bad news about jewelry is that you'll pay so much on it in sales tax and markups that it almost immediately loses significant value. The good news is that if you buy what your like or favor pieces from renowned designers, it'll appreciate in value over the long term and might comprise a valuable portion of your estate. Take a look at Art Deco jewelry from 1920 to 1935, for example: The use of platinum and diamonds and the emergence of Cartier and Boucheron have given pieces from that era significant value. Meanwhile, Van Cleef, Arpels and Bulgari's postwar pieces and Tiffany's rings and earrings made their mark during the mid-century, while brooches by even popular jewelers lost value as they fell out of favor. If you manage to stumble across Lalique's Art Nouveau pieces, Cartier's Tutti Fruitti styles or Van Cleef & Arpels's early mystery settings, you'll see not only high price tags, but examples of how specialty collections can increase in value over time.
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In the lead-up to retirement, you and your partner might find yourself using the catch-up options in your retirement plans to bolster savings and prepare. However, if one spouse dies, that could result in the other falling short in their retirement plan. While a whole-life policy might be an incredibly expensive fallback plan, 10- to 15-year term life policies taken out roughly a decade before retirement will provide some piece of mind for both toward the end of their savings process. Since term life tends to be inexpensive, it's a good stopgap that could be converted into a whole-life policy in some circumstances. As the folks at NerdWallet point out, a permanent life insurance policy allows holders to withdraw or borrow against its cash value. It could function as an emergency fund to cover bills if you lose your job or could fund your retirement if you come up short. The best part is that those funds can be borrowed tax-free. Granted, you're better off beefing up your actual retirement investments and making sure you don't tap into life insurance, but having life insurance in place as a fallback isn't such a bad investment in your retirement security.
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