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Q: SharePoint 2013 Multiple Server Configuration Guidance I looking for some installation guidance article on SharePoint 2013 multiple server for five tier farm(2 Apps Server,2 WFE,1 SQL Server).

A: When I setup a new farm I plan ahead and make minimum use of AutoSPInstaller. Setting up service applications needed is pretty straight forward process based on you needs, but services on server is always trickier. Often I find myself installing WFE1 first and end up with Central Administration on the front end.
As you might have guessed, the CA should be present on one of the App servers. It's easely changed by New-SPCentralAdministration cmdlet, but why bother when you can make it right the first time. In order to get it right, I use the services on server spreadsheet which is a great tool to get it right the first time.
Services on server install workseet for traditional SharePoint Server 2013 topologies

A: Link shared from the Robert is correct article to follow. Basically number of servers are not count towards tie topology, it is more about server roles i.e APp server, WFE or SQL. Here are steps, i would follow.

*

*create the Service Account

*Configure the permission on the Server.

*Install the SQL Server on the database server and set the permission inside the SQL.

*Now Install SharePoint on the App & WFE servers( you can follow any method[manual or scripted]).

*Install the any CU which you want or any language packs(if applicable)

*Now run the Confif wizard on the server where you want to host the Central admin.

*after this join remaining server to that farm.

*now do the test.


As we anticipate that many people will be receiving or giving drones as gifts this year, we thought it may be helpful to share with you the CAA's Safety Code for flying drones especially in regards to keeping them well away from airports and aircraft.
The aroma of mulled wine amongst quaint wooden huts adorned with unique gifts is a wonderful Christmas shopping tradition. Christmas Markets can be found in many towns and cities across the UK and Europe and each offer something different. Take a look at a selection that are within short flight times from Southampton Airport.


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In other cases, it may be the factory manual, which can't be found in stores. Really, you will not find it difficult to handle electrical issues and other wiring related problems when you have the repair manual presented to you on this site. . . .


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National Night Out August 4: Meet Your Neighbors and Alexandria Police
Not that you aren't familiar with many of your neighbors already, but no doubt there are those you've never met and some new additions to your neighborhood. National Night out is August 4 at 6:30pm (click here for history and details on the event as a whole). Come socialize with old and new neighbors, meet Alexandria's finest, and enjoy free food, drinks, and games (activities vary by location). Getting to know your neighbors and the police force fosters safer, more interconnected communities.
Here is Alexandria Police's official news release on NNO:
Alexandria Celebrates National Night Out
On Tuesday, August 4, from 5:00 P.M. to 10:00 P.M., City officials will partner with Alexandria Police to celebrate National Night Out. The special celebration is part of a nationwide crime and drug prevention effort sponsored by the National Association of Town Watch (NATW).
To heighten awareness of crime prevention, residents in more than 25 Alexandria neighborhoods will turn on their porch lights, host neighborhood cook-outs and sponsor block parties in support of National Night Out. Mayor William D. Euille, members of City Council and Acting Chief of Police Earl Cook will reaffirm the City's commitment to fighting crime by visiting residents throughout the City. Acting Chief Cook will be attending the National Night Out events at various locations throughout the City.
McGruff the Crime Fighting Dog, the K-9 Unit, Bike Patrol Unit and Motor Unit will tour neighborhoods and offer special demonstrations.
"National Night Out is an opportunity to celebrate the neighborhood spirit and strengthen our relationship with the community," says Acting Chief Cook. "Our residents continue to support our department in reducing serious crime and in keeping Alexandria a safe place to live. National Night Out provides us with the opportunity to thank residents for their vigilance and their dedication to the City."
Several of those 25 neighborhoods are in the North End of Alexandria. Here are details for a few North End neighborhood National Night Out events:
Lynhaven: 6:30 - 8:00 - Block party at the Lynhaven Rock Park. Raffle, games, food, and entertainment. Here's their flyer with the details.
Hume Springs: 6:30 - 8ish - Block party at the Flagpole Park at Edison and Dale St. Pizza and refreshments served and prizes raffled off. Show up at 6:30 to see APD Motors and the command bus (will be there for 1/2 hour).
Lennox Place at Sunnyside: 6:30 – 9:00pm - Cookout at Courtland Circle. From their flyer: "Courtland Circle is a busy place every National Night Out. Come out, meet your neighbors, enjoy the food and help us all welcome and support Alexandria City Police Department's finest."
If you are in one of the North End neighborhoods and want to help spread the word, please post information about your event in the comments or contact me and I'll add your event information.
Community Empowerment For Teens
This looks like a good program for getting area youth motivated towards something positive. If you know anyone that might be interested, be sure to forward this on to them. Registration is required. It's this Thursday at the Charles Houston Rec Center (From AlexandriaNews.org):
Actions Speak Louder Than Words
The Departments of Recreation, Parks, and Cultural Activities and Human Services invite teens and young adults to the 2009 Community Empowerment Session, Thursday, July 30 from 5:30 p.m. to 9 p.m. at the Charles Houston Recreation Center, 901 Wythe St. This Mini-Conference is designed to equip older teens and young adults, ages 15-24, with the tools needed to take control of their lives. This conference features Guest Speakers, Workshops, Mini-Job Fair, Food, Guest DJ, Fun, Late Night Basketball and More!
The 2009 Community Empowerment Session is cosponsored by Concerned Citizens & City of Alexandria. For additional information and to register, call 703.838.0990.
Future of W. Glebe and Mt. Vernon Intersection: I Recommend a Roundabout
We recently discussed two "Road Diets" that would benefit safety and traffic flow of the area. Another major traffic and safety obstacle in the area is the diamond shaped intersection of W. Glebe Rd and Mt. Vernon Ave. It is problematic for both pedestrians and drivers. This is not a novel observation: the following image is a conceptual plan for intersection improvement from the 2003 Arlandria Plan (PDF), though it is not clear if this particular alignment is still on the table.
I spoke with Sandra Marks at T&ES this week on the status of intersection evaluation. The city hosted a midday meeting in March that a few citizens were able to attend, but that was geared mainly towards business owners. The city of Alexandria is currently studying short and long-term solutions for improvements, though she could not go into specifics at this point. They're working with Kimley-Horn on the engineering study. She did say they were considering numerous alternatives for the intersection and that they would be discussed with the community in early September. One solution mentioned in our conversation was a roundabout, considered one of the long-term alternatives due to its impact on surrounding properties. Let's look into the Roundabout option.
This Slate article does a great job in pointing out the various benefits of roundabouts (Tip: GGW). Read it before you draw any conclusions. It also links to this NIH safety study that states:
There were highly significant reductions of 38% for all crash severities combined and of 76% for all injury crashes. Reductions in the numbers of fatal and incapacitating injury crashes were estimated at about 90%.
Here is a quick VDOT pamphlet about driving in roundabouts with a few pro-roundabout tidbits on the second page.
I mocked-up an oval roundabout option below, though this is merely a drawing and does not take account of all roundabout design and engineering considerations. Until we see the options being developed, it will be difficult to choose a preference, but a roundabout seems the best option for safety, traffic flow, and aesthetics. A circular roundabout would be ideal, but that would cut significantly into surrounding property due to the geometry of the intersection. For the mock-up, I made the assumption that all approaches to the intersection will be 2 lanes based on the road diet article linked above. Since W Glebe carries about 19,000 Average Daily Traffic (ADT) and Mt. Vernon only 12,000 ADT, the oval should be oriented to minimize the turning radius for traffic on W. Glebe.
Here are problems with the intersection as-is and how the roundabout option could alleviate these problems:
1. Tendency to promote jaywalking. To get from the Southwest corner to the Northeast corner of the intersection is via crosswalk is roughly a 160 ft. The straight-line distance between these two points, jaywalking diagonally, is only about 52 ft (see image for clarification). To cross legally, you must walk nearly in the opposite direction of where you are headed. This makes jaywalking tempting as people tend to avoid walking in what feels like the wrong direction.
The Jaywalking Fix. In the roundabout scenario mocked up below, that same southwest to northeast corner trip would be reduced about 43% to a 90 ft. walk. Jaywalking is disincentivised because the path around the roundabout seems more natural to a pedestrian. Besides the tendency to cause jaywalking, one pedestrian safety problem with the existing intersection are the two free-flow right turns from W. Glebe onto Mt. Vernon Ave. Cars often assume they have the right of way and come close to hitting pedestrians in the crosswalk.
2. Left turn from eastbound Glebe to Northbound Mt. Vernon. A major driver problem with the existing intersection is this left turn is not a dedicated left turn. Traffic backs up as left turners have to wait for long lines of oncoming traffic to clear the intersection. It's common for few cars headed straight or left to make it through the intersection during a light cycle when a left turner is near the front of the queue. Cars headed straight dart into the right turn lane to get around left turners which causes additional accident risk. Many pedestrian friendly designs would increase pedestrian safety somewhat but would do little for the traffic problems at the intersection, nor the aesthetics.
The Fix. A "modern roundabout" where there are no stop signs or traffic signals and traffic approaching the intersection yields to traffic in the circle keeps traffic moving. There are no left turners as all drivers turn right into the roundabout and continue around the circle to their exit point. Traffic keeps moving and all drivers have equal priority.
3. The intersection is situated as a gateway to the neighborhood, but lacks any distinguishing features other than a difficult traffic pattern. The intersection is surrounded by parking lots and plastic back-lit signage. It puts an unwelcoming foot forward for northbound traffic. On top of that, it is an awkward intersection.
The Fix. A roundabout always includes a raised portion in its center to slow traffic and deflect cars in the right direction. Within this curbed-off area, landscaping, a statue, or other public art indicative of Arlandria can be added to present a welcoming gateway. Traffic signals are removed and the intersection is left uncluttered.
Why not now? The biggest obstacle to the roundabout option, besides cost, is the encroachment into the parking lots of LoanMax and the 7-11 shopping center. With the sample configuration I mocked-up, LoanMax would lose minimal spaces (perhaps none) and the shopping center with 7-11 would likely only lose up to 7 spaces. However, the 7-11 lot could re-align several spaces and get some or all of those 7 spaces back. So, if the city would attempt to work with these businesses to avoid having to utilize eminent domain, a roundabout could be built without upsetting businesses too much, if at all. After all, selling a small slice of property that is being used for parking spaces that could probably be replaced seems like a good deal to me. Capital Improvement Funds are allocated to the area, so money is available for the intersection if that ends up a neighborhood priority. Maybe the roundabout doesn't need to be such a long-term alternative, after all.
To inquire about the intersection work and let the city know you'd prefer a roundabout, contact Sandra Marks (email: sandra.marks@alexandriava.gov , phone: (703) 838-4411 x170 ) or send an e-mail to the mayor and city council stating your preference and that you'd like to see Arlandria Capital Improvement Program funds go towards this project. You could also mention Arlandria's need for a road diet, while you're at it. You'll have your opportunity to raise your comments following the early September meeting, as well.
Labels: Gateway, Traffic, Walkable Community
Should Bikes Always Have to Stop at Stop Signs?
The Washington, D.C. area is considered at least somewhat progressive. I mean, we're obviously more forward thinking than mid-western states like... I don't know... Idaho, right? It turns out, they seem to have us beat in at least one area: bicycle traffic law. You've heard of the California stop (and probably execute one every now and then), now consider a type of roll-through stop that should be legal: the Idaho stop. In Idaho, bikes slow down and yield, but do not have to come to a complete stop at intersections with stop signs if no one is at the intersection. Here's a great 4-minute animation with voice-over that explains pretty much everything about it, including associated fines for bikers that are being reckless and examples of how it works in practice.
Whether you're a driver or a biker, you understand the difficulty with coming to a full stop at every stop sign for a bike. Momentum is huge in biking. Just like a car burns a lot more gas when you stop and go, people tire quickly from losing momentum and getting back up to speed.
Bikes should be subject to most traffic laws, but there are exceptions. A driver would be pretty peeved if he wasn't allowed to pass a biker on a double-yellow-lined road. That automotive maneuver would be illegal if a bike were treated as a motor vehicle and the driver would be subject to a ticket. There are certain exceptions to the normal traffic rules for bikes, and the Idaho stop should be one of them in Alexandria. Hopefully this will eventually be adopted state-wide, but why not lead the way.
The Idaho stop idea came from an unlikely source and came with some unexpected safety benefits (tip: GGW):
...It was traffic judges — not cyclists — who pushed for the idea in 1982, according to an April article in The Oregonian ('Idaho Stop' is a go for bicycle safety"):
"Police were ticketing bike riders for failing to come to a complete, foot-down stop. Judges, however, saw "technical violations" clogging up their courts. "We recognized that the realities of bicycling were a lot different than driving a car," Bianchi said. But the year after the Idaho Stop became law, bicycle injuries in the state actually declined by 14.5 percent.
If Alexandria is truly going to strive for multi-modal transportation, they need more than an infrastructure of trails, bike lanes, and bike routes, but a culture that's supportive of people using them. One of our own planning commission members, Lawrence Robinson, went on a rant about how bikes are always getting in the way of his car during a July 2 discussion of the outdoor display of rental bikes. He thought any behavior that encouraged more biking was a bad idea. Not the most bike-friendly set of comments you can think of.
Like always, if you support this idea, you can fill out the e-mail form for the Mayor and City Council. You can also make your opinion heard to Yon Lambert, Alexandria's Principal Transportation Planner for the Pedestrian & Bicycle Program (e-mail: Yon.Lambert@alexandriava.gov, Phone: 703.746.4081).
For more on Biking and alternative transportation in Alexandria, see the City's LocalMotion site.
Photo: Streetsblog.org
Time for an Arlandria Road Diet? How About Two
The two major thoroughfares cutting through the neighborhoods on the North End (Arlandria, et al) are W. Glebe Rd and Mt. Vernon Ave. These two roads are as indecisive as roads can be. W. Glebe alternates from from 4 to 2 to 4 to 2 lanes within the space of a mile. Mt. Vernon Ave is a little better, with just one such change as it passes through Arlandria (though it goes from 2 to 4 lanes immediately before passing into Arlandria from Arlington). Mt. Vernon Ave is a two lane road south of Arlandria. Two of the primary causes of traffic along these stretches are the presence of vehicles waiting to turn left and the people stuck behind them trying to dodge their way around them.
What these two roads need is a "Road Diet." In the linked US DOT study, a road diet is described thusly:
"Road Diets" are often conversions of four-lane undivided roads into three lanes (two through lanes and a center turn lane)... The fourth lane may be converted to bicycle lanes, sidewalks, and/or on-street parking. In other words, existing space is reallocated; the overall area remains the same.
Under most average daily traffic (ADT) conditions tested, road diets have minimal effects on vehicle capacity, because left-turning vehicles are moved into a common two-way left-turn lane. However, for road diets with ADTs above approximately 20,000 vehicles, there is a greater likelihood that traffic congestion will increase to the point of diverting traffic to alternate routes.
A 2002 Alexanria traffic survey shows that W. Glebe Rd averages 19,000 annual average daily traffic volume (AADT) in its Arlandria stretch and Mt. Vernon Ave averages 12,000 AADT north of Commonwealth Ave. These are both under the rough road diet threshold of 20,000 AADT. Even at above 20,000 trips a day, the road diet discourages additional vehicles to use the road. Drivers using the road for a cut-through take highways or find alternate routes.
The 4 lane sections of Mt. Vernon Ave should be reduced down to 2 lanes with a center turning lane. The extra lane could be used for on-street parking. Alternately, the sidewalk could be moved in and the extra 10 ft. swath could be contributed to Four Mile Run park expansion.
On W. Glebe, the 4 lane sections between Old Dominion Rd and Mt. Vernon Ave should be reduced with a center turn-lane and bike lanes in each direction. Between Mt. Vernon and Commonwealth Aves, W Glebe should be wide enough to add a bike land on each side. This would connect residents of Beverly Hills, Lennox Place, Brighton Square, and Glebe Park with the Commonwealth Ave bike corridor. Further, curb cuts should be reduced where possible (e.g., the large parking lot that sits empty between Foodway and Russell Rd. doesn't need an extra curb-cut) and landscaped medians should be added in place of a center turning lane where no potential turns are present. This provides a place for pedestrians crossing the street to safely wait out passing traffic instead of dodging across 2 or 3 lanes of traffic all at once.
Alexandria has a goal of increasing its walkability and bikeability. These changes would serve both goals, while increasing the area's driveability, as well. Here is a mock-up of changes that could be made on W. Glebe Rd.
The Arlandria plan included re-striping of Mt. Vernon Ave and the formation of a gateway into Arlandria when crossing Four Mile Run (images follow). This was almost to the execution stage when several organizations fought to keep all 4 lanes. I think the idea was probably poorly marketed and citizens were not kept in the loop between planning and implementation. Were the project sold on its merits as opposed to just sold for the sake of adding parking spaces, the residents in the North End neighborhoods would likely be more willing to at least implement a trial re-striping to assess the impacts.
It sounds strange that reduction of lanes could make traffic flow more smoothly, but this new alignment has been shown to improve pedestrian and vehicle safety with minimal impact on traffic flow. This excerpt from a 1999 article, "Road Diets: Fixing the Big Roads" describes common public fears over losing a lane but that the results speak for themselves:
In the 1980's Pennsylvania DOT engineers used FHWA safety monies to fully fund a study and to convert a one-mile section of Electric Avenue in Lewistown, Pennsylvania, from four lanes to three. The roadway was carrying 13,000 ADT. After reviewing hours of time-lapse video and analyzing crash statistics and other data, the team concluded that more uniform flow, reduced conflicts and great reduction in crashes would result from four to three-lane conversion. The change was made facing 95% opposition from local residents, who felt that their trip times would increase.
Once the new roadway section was completed, new time-lapse photography and data collection began. Dangerous maneuvers and crashes dropped to nearly zero. Overall trip times were unaffected. Today nearly 95% of those fearing the change are openly thankful to PennDOT for making the roadway better for safety, mobility and access.
As community members, we should want drivers obeying posted speed limits, increased pedestrian and vehicle safety, and fewer people using roads in our community as a cut through on daily commutes. This solution works for all of those goals without costing us our own commuting time. If I haven't convinced you, yet, here is a recent case of a road diet that is proving successful in Vancouver, despite many community fears.
This would be a great project for some of the Capital Improvement Program funds reserved for the area. If you have questions or concerns, please discuss in the comments section.
Alexandria Has Some Catching Up To Do. Route 1 Would Be a Good Start.
During a recent presentation by the Mayor's Institute on Design to Alexandria City staff, Christopher Leinberger compared Arlington to Alexandria in a way that really struck home.
Paraphrased, he said that while Alexandria has really excelled at preserving the past, Arlington has outpaced Alexandria in building for the future. While Alexandria should preserve its history, much of Alexandria land-use is stuck somewhere between the 1950s and today, complete with suburban development patterns and car-serving business and industry.
Somehow, Arlington just seems to come up with good ideas to produce a more pedestrian-friendly, urban environment. Take the latest example: Arlington wants to assume control of Columbia Pike from VDOT to expedite the realization of their vision for the corridor (tip: DCMud). They're spending most of the money, they have the plans, so why should they have to wait on a highway and suburbia happy institution and jump through hoops to realize that plan?
Alexandria has a transportation plan that finally incorporates multi-modal transportation instead of focusing entirely on roads. Part of this plan is to develop BRT or streetcars on and around Route 1 between old town and the Arlington border (extended into Crystal City and Pentagon City by Arlington). Were Alexandria to look extensively into land use planning during their transportation planning process, they could turn the meeting point of Potomac Yard, Del Ray, and the North End neighborhoods (Arlandria et al) into a lively, walkable area.
Property value and potential land-use flexibility for land adjacent to Route 1 suffers from the roads use as an suburban-style highway as opposed to an urban street (2006 WashPo article). The road is "a hostile environment", as stated by then Planning Commission Chair Eric Wagner. Alexandria needs to expedite the process of transforming this highway back to a street. This means both the street and the land surrounding it needs to be re-envisioned. This site discusses plans for the street, now the west side of Route 1 needs a comprehensive plan (note: The Crystal City/Potomac Yard Transit Improvement project focussed on BRT, though streetcars are still under consideration. Here's a GGW article comparing the two).
With so much investment coming into Potomac Yard, Alexandria's treatment of Route 1 has a big say in its success, and the impression Potomac Yard redevelopment will leave on the neighborhoods to the west of the highway. Will Potomac Yard turn into a welcoming city that flows seamlessly into nearby neighborhoods or a isolated island of concrete on the other side of a very intimidating highway?
Kudos to Arlington for this creative way to expedite walkable street progress. Alexandria could learn a few things from Arlington's willingness to figure out ways to get things done (decades of waffling on Potomac Yard Metro, anyone?).
Labels: BRT
Payday and Title Lenders Charge Up to 400% Interest
This article by the Washington Post identifies that payday lenders charge up to 400% interest. On top of that, most borrowers come back pay period after pay period.
Nearly 59 million loans totaling more than $20 billion fit this pattern, accounting for three-quarters of all payday loan volume, the study found. The loans resulted in $3.5 billion worth of fees each year.
So out of $20 billion in paychecks for these repeat borrowers, $3.5 billion goes to fees. That's 17.5% out of all money borrowed. Consider that this is after taxes and this is just lost money to people that likely have little disposable income to begin with.
A key to fixing this problem is to educate payday loan patrons about managing finances and banking in general. Last summer, Alexandria agreed not to raise the tax on Payday lenders in exchange for a voluntary $20K donation (see pg 8-9 of this pdf) towards financial education. Based on the linked document, $7,500 should have gone towards education initially with $10,000 due to the city over the following year for additional programs, pending the city coming up with an educational program and working with LoanMax. The additional $2,500 was to go to a 501(c)(3) organization of the city's choosing by December 31, 2008.
Here's the only city planned financial educational event that I could find, and it was back in January. Contact the Mayor and City Council to make sure the city is planning future financial education programs and not just letting these funds rot on the vine.
National Night Out August 4: Meet Your Neighbors ...
Future of W. Glebe and Mt. Vernon Intersection: I...
Alexandria Has Some Catching Up To Do. Route 1 Wo...
Payday and Title Lenders Charge Up to 400% Interes...

redpajama_set_name: RedPajamaCommonCrawl


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If you get command on line and length, you can rule the world: Mohammed Shami to Umran Malik
Senior India fast bowler Mohammed Shami advised young tearaway quick Umran Malik to get command on his line and length, adding that if he does so, then he "can rule the world".
"There's only one piece of advice I want to give. I don't think it's easy to play against the pace that you have. Just that we need to work a little on line and length. If we can get a command over it, we can rule the world. You have a lot of power, future is bright. Best wishes for you, hope you do well," said Shami to Umran in a video on bcci.tv.
On Saturday, Shami was at his vintage best, scything through the New Zealand batting line-up with seam movement to pick 3/18 in six overs and set the base for a comprehensive eight-wicket victory, giving India an unassailable 2-0 lead in the series.
"As usual, I kept things simple as per the plan and not try to tamper with your skills and focus on bowling as per one line and length. Plus, there was some dampness on the pitch, which worked well for us as we were able to give the ball a rip and seam it too," he added.
Shami signed off by advising Umran to keep a calm mind, even during pressure situations, as that will only help him in executing his skills better. "When you are playing for the country, you shouldn't take pressure on yourself. You should keep trusting your skills. You tend to get carried away when under pressure."
"But, when you keep your cool and keep trusting your skills, you have better opportunity to execute your plans. When you are doing well, then the importance of focussing is more. Keep your smile on, it's white-ball cricket, anybody can get hit. But keep believing in your skill and keep an eye on the pitch and bowl accordingly."
With the series in the bag, India could be tempted to make some changes for the third and final ODI against New Zealand at Holkar Stadium in Indore on Tuesday.
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Put dry chickpeas into a large bowl, cover in water and soak overnight. Drain the next day when ready to continue with recipe.
Pour the chickpeas into your food processor along with the chopped onion, garlic cloves, parsley, flour, salt, cumin, ground coriander, black pepper, cayenne pepper, and cardamom. Blend mixture, scraping down the sides of the mixing bowl as required. Continue until you achieve a coarse paste.
Transfer the mixture to a bowl, mixing through with a fork. Remove any large chickpea chunks. Cover with plastic wrap and refrigerate for 1-2 hours.
Fill a skillet with vegetable oil (roughly 1 1/2 inches deep), heat over medium heat. Using wet hands or an ice-cream scoop (there is a special falafel scoop, if you have one), mould the mixture into balls. Before shaping and frying the whole batch, do a test one first. If the balls don't stick together, put the mixture back into the blender and blend a bit longer.
To fry, place falafel in oil and cook until brown on each side, rotating when needed. It should take 2-3 minutes to brown the falafel on each side. If it browns a lot quicker than this, your oil is too hot and the falafel may not cook through to the center. When you have it right, you can cook more than one falafel at a time.
Once they are cooked, remove from oil with a slotted spoon and place on paper towel to remove some of the excess oil.
Serve while hot – but not too hot! – with hummus or tahini.


New Zealand Post is investing in the digital space, offering customers unparalleled visibility, choice and control over their delivery options. Behind these customer benefits lies a requirement for real time digital footprint of all tracked items traversing the NZ Post Network, whether handled by a field agent, PostShop or Box Lobby. Real time visibility is also paramount to creating the most efficient fleet combining multiple delivery vehicles.
To enable nationwide scanning and tracking and introduce real time delivery tracking New Zealand Post has selected PreCom mobility platform from PocketMobile, a Trimble company, and commenced nationwide rollout. New Zealand Post sees this as an important undertaking to adapt to the rapidly changing industry and to secure and improve its position as New Zealand's leading postal and logistics company.
The constantly changing postal sector requires the rapid development of new services to fit customer demands. New Zealand Post is therefore replacing its old mobile scanners with Android devices running PocketMobile PreCom. Over 4000 devices are expected to be used by field agents − including integrated delivery agents driving eco vehicles, traditional Posties, couriers, RuralPost drivers, PostShops, agencies, depots and a wide network of Parcel Collect and Deliver partners. PocketMobile introduces two key capabilities previously unavailable.
First is the capability of deploying low cost Android devices to sites handling small amounts of freight. Prior to the PocketMobile rollout, these sites, known as "blindspots", were using manual data entry to provide the customer with tracking information. Since July 2016, over 400 blindspots have been closed, offering New Zealand Post customers real time visibility and delivery choices such as online redelivery and redirection. This has reduced the number of items requiring manual "Peel and Stick" entry by one third or over 10,000 items per week, improving customer satisfaction and reducing associated internal cost. The rollout is expected to close over 900 blindspots by mid-November, when customer demands rise around Christmas time.
With the mobile solution based on PreCom, field agents can now run the same field management software on forms of Android-based mobile devices including BYOD and low cost mobile phones. Ability to deploy lower cost handhelds allows capture of digital footprint for low volume operators including posties, rural drivers, Box Lobbies and Parcel Collect and Dropoff locations. New Zealand Post has standardized on Zebra TC55 device for high volume and outdoor agents, Samsung Galaxy J1 as the low cost option for operators handing less than 50 items a day, Samsung Galaxy Tab S tablet for box lobby as company supplied device. BYOD option is also taken up by around 40% of contract agents.
Second key capability of PocketMobile to NZ Post is new field management services, such as Health and Safety management, Hazard Reporting and the ability to capture addressing information while out in the field. New Zealand Post is also excited about leveraging industry practices developed by other PocketMobile postal industry customers including Royal Mail and Norway Post.
A five-year agreement has been concluded with PocketMobile, which is also cooperating with local partners on system support.
Looking into the future, the product has rich modular functionality for scanning, positioning, navigation, maps, messaging, POD, image capture, dynamic forms, business rules, process templates, and much more − enabling the development of future services.
PocketMobile is the leading supplier of mobility software solutions for companies with mobile workforces. Our customer base consists of companies active within postal services & logistics, security & guarding, and field service. These include leading enterprises with users in more than 25 countries. For more information, visit www.pocketmobile.eu.
PocketMobile is a Business Unit in the Field Service Management division of Trimble Navigation Ltd. (NASDAQ:TRMB). Trimble applies technology to make field and mobile workers in businesses and government significantly more productive. Founded in 1978, Trimble is headquartered in Sunnyvale, California, USA. Trimble's Field Service Management Division provides visibility into field and fleet operations so businesses can streamline efficiency and increase productivity. For more information, visit www.trimble.com and www.trimble.com/fsm.


Parent stories illuminate the impact trauma can have on parents in child welfare in a CWLA webinar, Parent Trauma and What Child Welfare Workers Need to Know. Co-presented by Rise Director Nora McCarthy, NYU Child Study Center's Erika Tullberg and Connie Black-Pond of the Southwest Michigan Children's Trauma Assessment Center, the webinar describes trauma symptoms and how caseworkers may notice trauma-based responses in parents in child welfare settings. The separation, loss of control, shame and power dynamics inherent in child welfare are often reminders of past trauma, especially for parents who themselves grew up in foster care. This webinar includes quotes from parent stories in Rise to show how parents may be affected by trauma–and how they can be supported.


These routes are popular for a reason. Three trail routes taking in the glorious views available on Dunstable Downs.
Delightful trail run in the stunning Ashridge forest, starting and ending at the Bridgewater Arms pub.
Off road, summer route from the village of Mentmore.
Part road, part off-road, summer route starting from Tiddenfoot.
A summer run through the majestic grounds of Woburn Abbey.
Summer road route up to Heath and Reach, taking in the famous Shenley Hill.
Fancy dress summer run starting from Vandyke School. The robbers start out first, then the cops have to chase them down before the end of the route.
Summer alternative to the club 5k route. Start and end at the Globe pub, staying for snacks and drinks afterwards.
Three routes in the style of 'out n back' but to be run as a standard club run.
6 mile route taking in a loop around Rothchild path, for lighter evenings.
8 mile route heading out of town towards Wing, for lighter evenings.
Winter route through weaving through Leighton Buzzard with a climb in the middle.
Winter road based loop around the outskirts of Leighton Buzzard with some loops on the longer version.
Mainly loop based winter training road route up through Heath and Reach.
Winter road route following the river out towards Plantation Road, then back via Heath Road and Appenine way.
Winter road based route passing the three Tesco Stores in the town.
Winter road based run around the outskirts of Leighton Buzzard with some loops on the longer version.
Winter, no-loop, road based circular route around the outskirts of Leighton Buzzard.
Loop based route around Leighton Buzzard.
A series of timed routes to follow with the aim of attempting to push yourself further each time you run it.
Our standard club route, normally run on the first Tuesday of every month.
Night based headtorch run through the Rushmere woods starting from the Globe pub. This route has options to be cut down to 6 miles very easily.
Spooky night time headtorch run around Dunstable downs. Meet and start from the Totternhoe Knolls car park.
Dare you look in the haunted shack?
Halloween night run through the Rushmere woods starting from the 3 Locks pub.


Today, strong search engine marketing strategies are a survival necessity for any business, be it a small or big show. Even using this as just a general rule, the fact remains that B2B (business-to-business) marketers will have to think and act slightly different from other marketers.
The more prevalent marketing, known as "business to consumer" or B2C marketing, is almost as old as Man. B2C marketing can probably be traced back to the day cavemen first realized they could trade bits of colored stones for bigger bits of sharp rock. "Uggh?" "Ugh." The first B2C deal was done.
Let's flash forward thousands of years to today, where marketers use the Internet as a medium. Although marketing mediums have drastically changed throughout the years, the basic focus of B2C is still on the consumer. Albeit through the newer medium of the Internet, most of the time-tested methods can still be used to attract customers.
B2B marketing is different than B2C, typically involving larger volumes and smaller targets. B2B is mainly centered on transactions of unfinished products from one company to another, the transfer of goods from wholesalers to retailers, or just marketing of raw materials to potential customers. B2B marketing may also be used for social marketing of tangible or intangible goods. As well, it's important to search out new marketing opportunities, of which there are more and more each year.
One common rule for B2B and B2C marketing is that the content of the marketing website or the blogs used to promote the product should be excellent. This is a paramount rule in all businesses, whether the focus is on other businesses, individual customers, or organizations like the government. With business to business, this has to go one step further. It's not enough to just state the utilities of a finished product, as is done while offering a product to the end consumer.
Whether it's social marketing or marketing of consumer durables at various stages of completion, the B2B marketer has a duty to tell other businesses how they can continue the chain and profit from the product on a long-term basis. The other company needs to build a lasting relationship based on the information provided in the blog or at the site and, as such, the data provided there should be highly analytical. Where a blog is used for the purpose, the blog must have a link that leads to the corporate site, which provides exhaustive details of the product's possibilities and business potential.
The B2B market is typically small, so the marketer can afford to do a little research on target companies. Target companies can be located through Internet searches and well known social networking sites, among other places. Once the target companies are identified, direct email marketing can also be utilized for each company, streamlining the content differently in each mail, if necessary, to satisfy the expectations of the target company.
While choosing keywords, a B2B marketer has to remember that different people from the target businesses might search for companies like his. For example, if he is marketing a machine part, those from the engineering team of the company may search for it using a particular keyword, whereas those in their financial team could use a slightly different keyword to get at the same thing. So while doing B2B marketing, the marketer will have to produce the same information after dressing it up in different ways with different keywords.
The keyword may also need to be changed in B2B marketing after a certain stage, since the selling cycle could be fairly long. What is relevant in the early stages of the selling may not be equally important at a later stage. The rule applies in relation to social marketing as well.
With a B2B start up business, the challenges are more or less the same as for any other business. The main difference is that they cannot expect results as fast as in a B2C business. In a B2C business, even a single visit can sometimes generate a sale (though not always). With a B2B start up business, a single visit from a prospective client is unlikely to generate a sale. The client will need to know too many things before they will enter into a relationship, and one complete cycle of transaction may take much more time than B2C marketing.
B2B marketing experiments can be conducted by focusing on a small group of businesses and testing the results, then widening the focus if the experiment turns out to be successful. Ideally, whether it's a start up business or not, companies should not hesitate to be innovative with B2B marketing. Not all new strategies may be successful, but it's often found that demand generation is achieved in totally unexpected ways.
Is Google Places Revolutionizing Organic Search for Local Businesses?
Google's Ad Rank EcoSystem: How Does It Work?


Vegetables and beans and rice can't talk Mama. They can't even think. Even though vegetables are alive they're not like us because they don't have hearts. Except for artichokes. Artichokes have hearts.
So just as I am about to give up – throw my hands up in the air – walk away from it all – declare that my cooking days are done – that one song, that one beat, that one sound, that one voice echoes through the speakers. And in an instant, inspiration fills the house, my knife comfortably cozies up to my hand ready to begin our duet. And before the song has ended I have the night's meal figured out.
What I listen to while I cook is much more critical than what we listen to while we eat. It can make all the difference between an inspired meal and a tedious job that just needs to get done. My musical tastes and the songs that inspire me in the kitchen vary from day to day. But there is one sound that is a constant companion in our house. On at all times – providing the soundtrack to our daily lives. This.
NPR is the sound that links us to the outside world, challenging our minds, provoking debate, but more importantly comforting and grounding us in our daily routine. The meal equivalent of this comforting staple in our house is Loobia Polo – green beans and rice. Loobia Polo is my husband Drew's most loved Persian meal. In fact, it could very well be his all-time favorite dish for dinner. It's the one meal that even the pickiest of little eaters will dig in for seconds. It also makes a great thermos lunch for school the next day.
Where NPR challenges us, gets us thinking, and fills us with sensational-free information – Loobia Polo comforts and soothes our souls. Every morning we wake and without a second thought put the kettle on and turn on the radio. And every Friday we celebrate having made it through another week with an exultant Friday Night Loobia Polo.
Green beans are bursting at the farmers market and in our farm box right now. The green bean mixture is quite easy and quick to prepare. The beans delicately soak up the aromatic and flavorful blend of the spices: saffron, turmeric, cinnamon – with the addition of tomato paste to create a sauce, and of course freshly squeezed lemon juice for that slightly tangy sour taste that dictates most Persian stews. When the end of the recipe asks that you adjust the seasoning to taste, this not only applies to the addition of salt and pepper but also to extra lemon juice if necessary. What you also want to keep in mind is to maintain the texture of the green beans. No mushy, out of the can style, green bean mess please. The green bean mixture is traditionally served mixed in with rice – I typically use brown basmati rice, but you can serve it along side white rice or any grain you prefer. The mixture can also be prepared ahead of time. Fridays happen to be one of our busiest days, so I like to split up the preparation process. I might prep the beans and chicken (prepping is the most time-consuming part) the night before, so all I would have to do the day of is cook the mixture and put on a pot of rice. Or if I can find the time I will cook the mixture a few days in advance. The green bean mixture can be made 2 days in advance and stored in the fridge. It can also be made ahead of time and stored in the freezer for up to 3 months. And if there is one dish that begs to be accompanied by mast o khiar, it's Loobia Polo.
The preparation of the bread tahdig is very similar to that of a rice tahdig. I used bread here for variety and because the girls happened to ask for it. Some days Luna prefers bread tahdig and Soleil prefers rice tahdig. The challenge is to get them to agree to the same kind of tahdig on the same day. Typically we use lavash bread – which is like a thin Middle Eastern style flat bread. On this particular day I used a whole wheat lavash from Trader Joe's. I simply tear fairly large pieces and place them on the bottom of the pot. Then I patch up any open spaces with smaller pieces. Make sure the sides of your pot are well-greased to avoid the bread sticking to the sides of the pot. Bread tahdig can burn very quickly so really keep a nose on this one and use a heat diffuser for the rice steaming part to ensure no burning of the bread. I use an old toaster oven metal rack insert as my heat diffuser.
So thank you Morning Edition's Steve Inskeep, Renne Montagne, and David Greene for accompanying us through another school year of hurried and harried breakfasts and lunches. Thank you Weekend Edition's Scott Simon, Rachel Martin and puzzle master Will Shortz for your constant reminders that we are now parents, and that weekends and sleeping in are no longer synonymous. And thank you to All Things Considered's Robert Siegel, Mellisa Block and Audie Cornish for being there with us through many weeknights of dinner prep – culminating with a satisfying Friday Night Loobia Polo. And of course, my husband's favorite: Lakshmi Singh.
Please do share – what do you like cook to? Is there a particular tune that gets you going in the kitchen?
If you don't want to make the tahdig you can simply make the mixture and serve it with any kind of rice or grain you like. It is tastiest mixed in with your grain of choice.
The recipe below uses brown basmati rice. If you would like to use white basmati rice keep in mind that white rice takes a shorter time to cook al dente at the par-boil stage. 8-10 minutes for white rice, 20-25 minutes for brown rice.
For a more detailed guide to cooking Persian rice please see this post.
* I used bionaturae tomato paste. I find it is slightly less concentrated in flavor than other tomato pastes. So I ended up using 4 tablespoons of paste. You might want to start with 2 tablespoons and add and adjust amount to taste.
Wash and soak brown basmati rice and 2 tablespoons salt for 1 hour.
Heat 3 tablespoons olive oil in a large sauce pan over medium heat. Add onion and a pinch of salt and saute for 5 minutes, stirring occasionally until onion softens.
Add green beans and 1/2 teaspoon salt. Saute for 5-8 minutes, stirring occasionally until green beans soften slightly. Take care not to burn green beans. Turn down heat if necessary.
Add chicken, turmeric, cinnamon, 1 teaspoon salt, 1/4 teaspoon pepper. Saute for 3-5 minutes.
Add saffron water, tomato paste water, and lemon juice. Stir to combine. Turn heat down to medium low and simmer uncovered for 20 minutes, stirring occassionally until chicken has cooked through and green beans have softened, but not mushy. Adjust seasoning and add more lemon juice if necessary.
Meanwhile, bring 10 cups of water and 3 tablespoons of salt to a boil in a large non-stick pot. Drain soaked rice and add rice to pot. Bring back up to boil. Scoop off any foam that rise to the top. Start testing your rice at 20 minutes. Once rice is al dente (takes 20-25 minutes) drain in a colander and quickly rinse under cold water. Allow rice to completely drain off any excess water.
Melt 3 tablespoons ghee or butter in the large non-stick pot over low heat. Arrange the bread on the bottom of the pot.
Place 2 spatulas full of rice on top of the bread. Using the back of the spatula or the back of a wooden spoon pack down the rice firmly. Add a layer of green bean mixture on top of the rice. Repeat, alternating rice layer and green bean layer in the shape of a pyramid. Your top layer should be a rice layer. Using the handle of a wooden spoon poke a couple of holes in the rice to allow the steam to escape. Cover and turn up heat to medium-high. Cook for 10 minutes.
Turn the heat down to low. Cover the lid with a clean kitchen towel or a couple of layers of paper towel. Place heat diffuser under the pot. Cook for 50 minutes.
Remove lid. Scatter the green beans rice mixture on a serving platter and gently remove the tahdig and serve on the side. Serve immediately. Remember to serve with a side of mast o khiar!


text:
Tom Dey, pe numele său adevărat Thomas Ridgeway Dey, (n. 14 aprilie 1965) este un regizor american de film, celebru pentru peliculele Shanghai Noon, Showtime sau Marmaduke. S-a născut în Hanover, New Hampshire, iar părinții săi sunt Phoebe Ann și Charles Frederick Dey. A făcut liceul în Connecticut și Institutul de Film de la Los Angeles. A realizat foarte multe reclame, unele faimoase chiar pentru firma Ridley Scott Associates. A studiat filozofia și religia și este foarte pasionat de ele. A mai realizat reclame și pentru Mastercard, U.S. Airways, Showtime Networks și L'Oreal.

Filmografie
 Shaolin cowboy (2000)
 Poliția în direct (2002)
 Cum să dai afară din casă un burlac de 30 de ani (2006)
 Marmaduke (2010)

Legături externe

Nașteri în 1965
Regizori americani
Oameni în viață

redpajama_set_name: RedPajamaWikipedia


Public hospital 496 beds Medicine, Surgery, Obstetrics (MCO) Logistics hub liaison gallery Single intern centre 90% of single rooms 1 IRM, 2 scanners, 4 radiology rooms, 2 Gamma camera + reserve PET scan, 9 operating theatres, 1 angiography room, 5 meeting rooms, 2 particle accelerators, 24 dialysis stations, 13 AGV "turtles" for logistics.
Winner, National Engineering Prize 2014.
Bioclimate design for the first French hospital to achieve HQE Excellence certification and RT 2012 compliance.
AIA Associés engineers developed a number of innovative solutions enabling them to meet the environmental challenges posed by establishments open to the public 24 hours a day, 365 days of the year, and which are particularly energy-hungry in the process. A first in France for buildings with unparalleled levels of technical and design complexity, both in terms of the number of disciplines to be mastered, and of the interactions between them.
At the gates to the historic city of Carcassonne, the new hospital constitutes a unifying element for the hospital area currently under development. Nestled in a green, hilly landscape, the edifice acts as a signal. Its horizontal aspect retains a human scale and offers far-reaching views of the surrounding countryside.
The interior of the hospital is laid out in a wraparound shape which provides protection from the wind and which evokes the unity of the medical profession and caring support. A single location, set back from the main façade and marked by folds in the outer envelope, welcomes patients as close as possible to the different flow hubs located in different parts of the main hall.
This functional organisation is derived from a therapeutic vision and anticipates the evolution of different modes of care. By optimising the smooth flow of human movement, consultations, outpatients, the day hospital, imaging, the intensive care / emergency hub, the laboratories, the haemodialysis service and teaching spaces are organised around the reception and the main hall. In order to plan for the evolution of the outpatient area, longer-term hospitalisation is located adjacent to the day hospital, enabling the progressive replacement of beds with outpatient areas. To the west, the mother-and-child hub is anchored close to the obstetrics centre. On the two upper levels, hospitalisation and management modules are positioned around the central hub. Flows are organised centrally, all while preserving their independence.


Welcome home to this classic gem in The Woodlands. This former John Kenny model is beautifully finished with lovely hardwood floors in the sunny living and dining room. The updated kitchen & spacious family room create a perfect spot to sit by the cozy fireplace or have a cup of coffee on the pretty side patio. A sumptuous first floor master suite has a charming sitting area.
A roomy downstairs guest suite is convenient for guests or a private home office. Upstairs you'll find a great second family room with a screened porch overlooking the big back yard. Two more bedrooms & a huge bonus room/fifth bedroom give you lots of flexible space.
The screened porch with paneled ceiling looks out at the fire pit and private backyard -- lots of room to garden or play AND plenty of room for a pool!
The Woodlands is centrally located in the middle of Ponte Vedra Beach with sidewalks to take you to shopping, dining and the beach! Homes for sale in The Woodlands are also located in the St Johns County School Distric which has been ranted as the best public school district in Florida.
From the intersection of SR202 (JTB) and A1A, go south on A1A to SR210 (Palm Valley Road). Go west on Palm Valley Road. The Woodlands neighborhood is on the left, and this house is the second on the right.


text:
(1421) Esperanto es un asteroide que forma parte del cinturón de asteroides y fue descubierto por Yrjö Väisälä desde el observatorio de Iso-Heikkilä, Finlandia, el 18 de marzo de 1936.

Designación y nombre
Esperanto fue designado al principio como .
Más adelante se nombró por el esperanto, una lengua artificial creada a finales del siglo XIX.

Características orbitales
Esperanto orbita a una distancia media del Sol de 3,09 ua, pudiendo acercarse hasta 2,834 ua. Tiene una excentricidad de 0,0829 y una inclinación orbital de 9,807°. Emplea en completar una órbita alrededor del Sol 1984 días.

Véase también
 Lista de asteroides del (1401) al (1500)
 Cuerpos menores del Sistema Solar

Referencias

Enlaces externos

Asteroides del cinturón principal
Objetos astronómicos descubiertos por Yrjö Väisälä
Objetos astronómicos descubiertos desde el Observatorio de Iso-Heikkilä
Objetos astronómicos descubiertos en 1936
Objeto Zamenhof-Esperanto
Wikiproyecto:Asteroides/Artículos de asteroides


After two years successfully touring across Europe and the USA, the UK plays host to the first ever Mindsports International World Championships.
At this unique and groundbreaking event, players from across the globe will converge on London to play their favourite Mindsports chess, Scrabble™, Magic: The Gathering and many others in a bid to be crowned champions in their chosen sport.
You don't have to be a genius to take part in one of our London events, we have a number of tournaments to cover all levels but if you are a more serious player you will be pleased to know that some of the top players in the world will be playing in the main event for a £10,000 prize pool. Following the success from last year's Scrabble Champions Tournament in Prague, London is set to show the world it can do it just as big, if not better!
Fancy finding out who you could be staring down across the board at the MSI World Championships? Well if you click here: https://www.mindsportsevents.com/events/mind-sports/2014/11/mind-sports-international-world-championships/sct-players-list/ you can view who's attending and competing in the Scrabble Champions Tournament.
For those wishing to play recreationally, there are day tickets for sale and multiple tournaments each and every day for you to enjoy your favourite Mindsport to try your hand at new ones. This is very much an opportunity for all players to take part, no matter your skill level. There are a multitude of events for everyone and anyone, from the starter who just wants to play a few hours, to the seasoned enthusiast who will be on site as long as they can!


Try to escape from twisted dungeons of the abandoned mine. Avoid traps and solve logic puzzles you meet on the way. Demonstrate imagination and logic skills in this Android game. Find the way to the surface, overcome abandoned adits and mine tunnels. Look around carefully, try to find clues and useful objects which will help you cope with another task and find the way out of a hard situation without any loss. Learn about a mysterious story of the mine where people are disappearing.


text:
package org.jasig.portal.events;

import org.apache.commons.lang.Validate;
import org.jasig.portal.dao.usertype.FunctionalNameType;
import org.jasig.portal.security.IPerson;

public final class PortletAddedToLayoutPortalEvent extends LayoutPortalEvent {
    private static final long serialVersionUID = 1L;

    private final String parentFolderId;
    private final String fname;

    @SuppressWarnings("unused")
    private PortletAddedToLayoutPortalEvent() {
        super();
        this.parentFolderId = null;
        this.fname = null;
    }

    PortletAddedToLayoutPortalEvent(PortalEventBuilder portalEventBuilder, IPerson layoutOwner, long layoutId,
            String parentFolderId, String fname) {
        super(portalEventBuilder, layoutOwner, layoutId);
        Validate.notNull(parentFolderId, "parentFolderId");
        FunctionalNameType.validate(fname);

        this.parentFolderId = parentFolderId;
        this.fname = fname;
    }

    /**
     * @return the parentFolderId
     */
    public String getParentFolderId() {
        return this.parentFolderId;
    }

    /**
     * @return the fname
     */
    public String getFname() {
        return this.fname;
    }

    /* (non-Javadoc)
     * @see java.lang.Object#toString()
     */
    @Override
    public String toString() {
        return super.toString() +
                ", parentFolderId=" + this.parentFolderId +
                ", fname=" + this.fname + "]";
    }
}

redpajama_set_name: RedPajamaGithub


Trade publication Deadline Hollywood broke the news exclusively, reporting that Two Brothers Pictures (the producers on such shows as Phoebe Waller-Bridge's fantastic Fleabag) is developing the project for UKTV.
The series will be comedy-drama series, and UKTV told Deadline that it is in "very early stages of development". There's no word yet on casting on release date, but we'll keep our eyes peeled for further announcements.
Haig's time-travel novel, How To Stop Time, is also in development for a live-action adaption: Benedict Cumberbatch is attached to star in a film version of that one.
As we hear more about the TV adaptation of Reasons To Stay Alive, and the movie version of How To Stop Time, we'll be sure to keep you informed.


text:
Chemical Weapons Inspectors Reach Syrian Town
Home - National, Home Slider Feature, NationalBy News April 17, 2018 Leave a comment
By ZEINA KARAM, Associated Press BEIRUT (AP) — International inspectors have entered the Syrian town where an alleged chemical attack was carried out earlier this month, Syrian state media reported Tuesday, after they had waited for days in the capital for permission from Syrian and Russian authorities. The fact-finding mission from the Organization for the Prohibition…
UK's May Tells Lawmakers: Syria Strikes Were Legal And Moral
By JILL LAWLESS and RAF CASERT , Associated Press . LONDON (AP) — British Prime Minister Theresa May told restive lawmakers Monday that military airstrikes on Syria were right both legally and morally, and she accused Syria and its ally Russia of attempting to cover up evidence of a deadly chemical weapons attack. May faced…
7 Inmates Dead, 17 Injured In South Carolina Prison Fighting
By MEG KINNARD , Associated Press COLUMBIA, S.C. (AP) — Seven inmates have been killed and at least 17 others seriously injured amid fighting between prisoners inside a maximum security prison in South Carolina. Prisons spokesman Jeff Taillon announced the grim outcome after State Law Enforcement Division agents helped secure Lee Correctional Institution around 3…
Spokesman: Former First Lady Barbara Bush In Failing Health
HOUSTON (AP) — Former first lady Barbara Bush is in "failing health" and won't seek additional medical treatment, a Bush family spokesman said Sunday. "Following a recent series of hospitalizations, and after consulting her family and doctors, Mrs. Bush, now age 92, has decided not to seek additional medical treatment and will instead focus on…
Trump Unleashes Torrent Of Rage Against Comey
By CATHERINE LUCEY , ASSOCIATED WASHINGTON (AP) — President Donald Trump unleashed a torrent of rage against former FBI Director James Comey on Sunday, calling him "slippery," insisting he never asked him for loyalty and labelling him "the WORST FBI Director in history, by far!" Trump fired off a series of tweets early Sunday ahead…
Storm Blasts Central US With Snow, Ice And Wind, Killing Three
By STEVE KARNOWSKI, Associated Press MINNEAPOLIS (AP) — A storm system stretching from the Gulf Coast to the Great Lakes buffeted the central U.S. with heavy winds, rain, hail and snow, forcing flight cancellations, creating treacherous road conditions and killing at least three people, including a sleeping 2-year-old Louisiana girl. In the Upper Midwest, the early…
Pentagon Says Syria Strikes 'Hit Every Target'
WASHINGTON (AP) — The Pentagon says the U.S.-led airstrikes on Syria "successfully hit every target." Chief Pentagon spokeswoman Dana White said Saturday that the strikes were launched to "cripple Syria's ability to use chemical weapons in the future." The U.S., France and Britain launched military strikes in Syria on Friday night to punish President Bashar Assad…
Teacher Victory: Kentucky Lawmakers Override Budget Veto
By BRUCE SCHREINER and ADAM BEAM, Associated Press FRANKFORT, Ky. (AP) — With the chants of hundreds of teachers ringing in their ears, Kentucky lawmakers voted Friday to override the Republican governor's veto of a two-year state budget that increases public education spending with the help of a more than $480 million tax increase. The votes…
Trump Expected To Pardon Former Cheney Aide Libby
By CHAD DAY, Associated Press WASHINGTON (AP) — President Donald Trump plans to pardon I. Lewis "Scooter" Libby, a former top aide to Vice President Dick Cheney, according to a person familiar with the president's decision. The person said the announcement could come as early as Friday. The person, who wasn't authorized to discuss the decision…
President Trump Puts Off Syria Strike Decision, Will Talk To Allies
By ROBERT BURNS and CATHERINE LUCEY, Associated Press WASHINGTON (AP) — President Donald Trump on Thursday put off a final decision on possible military strikes against Syria after tweeting earlier that they could happen "very soon or not so soon at all." The White House said he would consult further with allies. Defense Secretary Jim Mattis…
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Nearly all infantrymen in the First World War used bolt action rifles. This type of rifle had been invented by a Scottish immigrant to the United States, James Paris Lee. The bolt is the device that closes the breech of the barrel. The bolt-action rifle had a metal box, into which cartridges were placed on top of a spring. As the bolt was opened, the spring forced the cartridges up against a stop; the bolt pushed the top cartridge into the chamber as it closed. After firing, the opening of the bolt extracted the empty cartridge case, and the return stroke loaded a fresh round.
Cartridges were put into the magazine by means of a clip. They were made up of open-ended slides or cases within which several cartridges were gripped by the spring metal of the case.
The Springfield was the main rifle used by the American Army during the First World War. Other popular bolt action rifles included the Mauser Gewehr (Germany), Lebel (France), Mannlicher-Carcano (Italy), Lee-Enfield (Britian), Moisin-Nagant (Russia), Mannlicher M95 (Austria) and Arisaka (Japan).
Click on each image to see what the Springfield Rifle looked like and diagrams describing how they worked.
cartridge: (also called a round or a shell) is a type of ammunition that packages a bullet. It is coated with gunpowder and made to fit in the firing chamber of a gun.


Who killed Salma Hayek's dog?
Washington state authorities are investigating after actress Salma Hayek's dog was found shot to death on her ranch about 70 miles south of Seattle.
A Thurston County Sheriff's spokesman says a deputy received a report on Feb. 19, has talked to the actress and is investigating.
Deputy Lt. Cliff Ziesemer says a caretaker was riding a horse around Hayek's property with two dogs following. He says the dogs barked and took off running at the end of the road but eventually came back, as was typical.
Later, when the caretaker returned home she realized one dog was missing. She found the dog dead and reported it to authorities.
Hayek posted on Instagram Friday that she was mourning the death of her 9-year-old dog named Mozart and that she hoped authorities would find justice.


Great team result 315th from 650 teams 1hr 40mins ish time.
Nice walk through Stromovka and Letna parks with the great views of the city and sunshine.
Ok, so I moved my things on the metro 🙂 but I didn't have so many things! Easy enough in the end.


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Treise & McGregor Are "Athletes of the Year"...
2020 MINNESOTA MULTISPORT HONORS - The battles for male and female ATHLETE OF THE YEAR came down to mano a mano, which is not actually gender specific, duels between TED TREISE and JOSH MORK, and DIANE HANKEE and SHYANNE MCGREGOR.
Let's break it down:
Ted won both of the local races he entered. At Green Lake Olympic he outraced runner-up / 6-time Minnesota Master of the Year (including 2020) KEVIN O'CONNOR by 2:23, after which he won at Graniteman Clearwater, the deepest men's race of the season, relegating Mork to 2nd place, 1:10 in arrears....
Happy Thanksgiving Weekend From MTN!
Thompson & McGregor Throw Down POYs....
Photo - Though DKT and Shyanne McGregor were overall Performance of the Year recipients, we thought it would be cool to post a pic of phenomenal 55-year-old CHERYL ZITUR, whose overall victory at Square Lake Sprint was the POY for a Minnesota Grand Master and is arguably the Overall AG POY.
MINNESOTA MULTISPORT AWARDS - Most would agree that SHYANNE MCGREGOR's 9:47:52 at Ironman Florida was the clear women's 2020 PERFORMANCE OF THE YEAR. The second best performance by a woman last year? Once again, that belonged to the mother of three from Duluth. Shyanne's dominant win at Graniteman Clearwater was a special effort.
If there was a bronze medal for POY, that would go to DIANE HANKEE for her victory at Green Lake Olympic.
Male POY came down to a battle between a former pro--DAVID THOMPSON--and a current one--TED TREISE. Teddy's (He probably hates to be called Teddy?) win at Graniteman Clearwater was impressive. JOSH MORK needed to set an amateur course record in order to place 2nd, 1:10 behind Treise. It should be noted that Clearwater was the most competitive men's race of the season.
Was Ted's effort the POY, though? Not quite...


Finance options available at checkout.
A stunning pair of Blaser F16 Heritage Game available here at Coombe Farm Sporting. The guns have consecutive serial numbers and are numbered 1 & 2 on the top levers. Beautiful game scene engraving on the receivers and gorgeous Grade 8 wood. The perfect pair of guns for game shooting this season. Come with a Blaser double gun hard case and a full set of chokes.


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Joe Besser
Born: August 12, 1907, St. Louis, Missouri, USA
Died: March 1, 1988, North Hollywood, California, USA
Joe Besser (August 12, 1907 – March 1, 1988) was an American comedian, known for his impish humor and wimpy characters. He is best known for his brief stint as a member of The Three Stooges in movie short subjects of 1957–59. He is also remembered for his television roles: Stinky, the spoiled impish bratty overgrown man-child in The Abbott and Costello Show, and Jillson, the maintenance man in The Joey Bishop Show.
Besser was born in St. Louis, Missouri. He was the ninth child of Morris and Fanny Besser, who were Jewish immigrants from Eastern Europe. He had seven older sisters, and an older brother Manny who was in show business, primarily as an ethnic Jewish comic. From an early age, Joe was fascinated with show business, especially the magic act of Howard Thurston that visited his town annually. When Joe was 12, Thurston allowed him to play an audience plant (as in "stooge"). Besser was so excited by this, he sneaked into Thurston's train after the St. Louis run of the show was over, and was discovered the next day sleeping on top of the lion's cage in Detroit.
Thurston relented, informed Besser's parents of the situation, and trained him as an assistant. The first act involved pulling a rabbit out of a hat. The trick involved two rabbits, one hidden in a pocket of Thurston's cape. But young Besser was so nervous that he botched badly, pulling out the rabbit from the cape at the same time as the other rabbit was on display, before the trick had been performed. The audience roared with laughter, and Besser from then on was assigned "comic mishap" roles only. Besser was placed by St. Louis juvenile authorities in a "corrective school" (reform school) at age 12.
Acting career
Besser remained in show business and developed a unique comic character: a whiny, bratty, impish guy who was easily excitable and upset, throwing temper tantrums with little provocation. Besser, with his frequent outbursts of "You crazy, youuuuu!" and "Not so faaaaaast!" or "Not so harrrrd!!" was so original and so outrageously silly that he became a vaudeville headliner, and movie and radio appearances soon followed.
The zany comedy team of Olsen and Johnson, whose Broadway revues were fast-paced collections of songs and blackouts, hired Joe Besser to join their company. Besser's noisy intrusions were perfect for the anything-can-happen O & J format. Besser's work caught the attention of the Shubert brothers, who signed Besser to a theatrical contract. Columbia Pictures hired Besser away from the Shuberts, and Besser relocated to Hollywood in 1944, where he brought his unique comic character to feature-length musical comedies likeHey, Rookie and Eadie Was a Lady. On May 9, 1946 Besser appeared on the pioneer NBC television program Hour Glass (TV series), performing his classic "Army Drill" routine with stage partner Jimmy Little. According to an article in the May 27, 1946 issue of Life Magazine, the show was seen by about 20,000 people on about 3,500 television sets, mostly in the New York City area. During this period, he appeared on the Jack Benny radio program in the episode entitled "Jack Prepares For Carnegie Hall". Besser also starred in short-subject comedies for Columbia from 1949 to 1956. By this point, his persona was sufficiently well known that he was frequently caricatured in Looney Tunesanimated shorts of the era.
In 1950, he appeared in the action film The Desert Hawk.
Besser had substituted for Lou Costello on radio, opposite Bud Abbott, and by the 1950s he was firmly established as one of the A & C regulars. When Bud and Lou filmed The Abbott and Costello Show for television, they hired Joe Besser to play Oswald "Stinky" Davis, a bratty, loudmouthed child dressed in an oversized Little Lord Fauntleroy outfit, shorts, and a flat top hat with overhanging brim. He appeared during the first season of The Abbott and Costello Show. In 1953, Joe was cast for the role of Yonkel, a chariot man in the low-budget biblical film Sins of Jezebel which starred Paulette Goddard as the titular wicked queen.
The Three Stooges: Joe, Larry, and Moe
After Shemp Howard died of a heart attack on November 22, 1955, his brother Moe suggested that he and teammate Larry Fine continue working as "The Two Stooges". Studio chief Harry Cohn rejected the proposal. Although Moe had legal approval to allow new members into the act, Columbia executives had final say about any actor who would appear in the studio's films, and insisted on a performer already under contract to Columbia: Joe Besser. At the time (end of 1955), Besser was one of a few comedians still making comedy shorts at the studio. He successfully renegotiated his contract, and was paid his former feature-film salary (which was more than the other Stooges earned).
Joe Besser refrained from imitating Curly or Shemp. He continued to play the same whiny character he had developed over his long career. He had a clause in his contract prohibiting being hit excessively. (He usually reacted to Moe's anger by wimpily hitting Moe's shoulder and complaining. "Not so harrrrd!") Besser recalled, "I usually played the kind of character who would hit others back." He claimed that Larry volunteered to take the brunt of Moe's screen abuse. In a 2002 "E Entertainment" episode which used file footage of Besser, the comic stated that the left side of Larry Fine's face was noticeably coarser than the other side, which he attributed to Moe's less-than-staged slaps. (Larry Fine's daughter attributes this, plus scars to the comic's left hand, to a chemical spill that occurred when Larry was a child.)
As a result of his whiny persona and lack of due slapstick punishment against him (the cornerstone of Stooge humor), Joe has been less popular with contemporary Stooge fans, so much so, that "Stooge-a-Polooza" TV host Rich Koz has even apologized on the air before showing Besser shorts; during the show's tenure he received more than a few letters from fans expressing their outrage over his airing them. Third-stooge Joe does have his defenders, however: Koz himself once hosted an episode featuring only Besser shorts, and Columbia historians Ted Okuda and Edward Watz have written appreciatively of Besser bringing new energy to what was by then a flagging theatrical series.
The Stooges shorts with Besser were filmed from the spring of 1956 to the end of 1957. His Stooge tenure ended when Columbia shut down the two-reel-comedy department on December 20, 1957. Producer-director Jules White had shot enough film for 16 comedies, which were released a few months apart until June 1959, with Sappy Bull Fighters being the final release.
Moe Howard and Larry Fine discussed plans to tour with a live act, but Besser declined. His wife had suffered a heart attack in November 1957, and he was unwilling to leave without her. In later life, Besser praised Moe and Larry in a 1985 radio interview, of which a quote from said interview was aired on A&E Network's Biography. Besser said:
After the Stooges
Besser returned to films and television, most notably as the superintendent "Jillson" for four seasons (1961–1965) of The Joey Bishop Show, and the voice of Babu the genie inJeannie, an animated version of I Dream of Jeannie. He also made occasional appearances on the ABC late-night series, also called The Joey Bishop Show between 1967 and 1969. Besser also voiced the character Putty Puss on the DePatie-Freleng cartoon series The Houndcats in 1972. He appeared on the NBC variety show, Club Oasis in the 1957-1958 season.
Several online sources indicate Besser was approached for the role of "Irwin," one of the gas station attendants at war with Jonathan Winters, in "It's a Mad, Mad, Mad, Mad World"; however, his schedule requirements for "The Joey Bishop Show" prevented this, and Marvin Kaplan played the role.
Later in life, Besser expressed some dismay that fans only recognized him for his brief tenure with the Stooges. However, he eventually softened, realizing that the Stooges continued to bring him his greatest exposure.
In 1984, Besser co-wrote with authors Jeff and Greg Lenburg his autobiography, Not Just a Stooge, for Excelsior Books. The book would be later retitled and re-published as Once a Stooge, Always a Stooge following his death in 1988.
Joe Besser recalled his friendship with the Stooges in an emotional speech referring to "the four boys [Moe, Larry, Curly, and Shemp] . . . up in heaven" looking down at the dedication of a star to The Three Stooges on the Hollywood Walk of Fame on August 30, 1983. Stooges co-actor Emil Sitka also spoke; the only other surviving Stooge, Joe DeRita, was ill at the time (though he would outlive Besser by five years).
In the spring of 2000, ABC aired a made-for-television movie about the Stooges, with actor Laurence Coy appearing briefly as Joe Besser.
In 1932, Besser married dancer Erna Kay (born Ernestine Dora Kretschmer), known as "Ernie". They were neighbors and friends of Lou Costello, of Abbott and Costello fame. In 1949, Besser appeared in the Abbott and Costello movie Africa Screams, which also featured Shemp Howard of the Three Stooges. Joe and Shemp were old friends, having met in 1932. His cousin's grandson is Upright Citizens Brigade theater co-founder and improviser/comedian Matt Besser.
Joe Besser died of heart failure on March 1, 1988. His wife Erna died on July 1, 1989, from a heart attack at age 89. Both spouses are buried in the same plot in Glendale's Forest Lawn Memorial Park Cemetery. The couple had no children.
Jack Benny Program
Show Count: 597
Broadcast History: 2 May 1932 to 22 May 1955
Sponsor: Canada Dry, Chevrolet, General Tyres, Jell-O, Grape Nuts, Grape Nuts Flakes, Lucky Strike, Home Insurance Company, General Motors
Cast: Elliott Lewis, Jack Benny, Joseph Kearns, Mel Blanc, Phil Harris, John Brown, Ronald Colman, Benita Hume Colman, Dennis Day, Verna Felton, Bea Benaderet, Andy Devine, Bob Crosby, Jane Morgan, Sheldon Leonard, Dix Davis, Kenny Baker, Frank Nelson, Eddie Marr, Paul Douglas, Sara Berner, Gloria Gordon, Don Wilson, Frank Parker, Howard Claney, Veola Vonn, Bill Days, James Melton, Blanche Stewart, George Hicks, George Olsen, Ethel Shutta, Sadye Marks, Ted Weems, Alois Havrilla, Frank Black, Don Bestor, Jimmy Grier, Johnny Green, Michael Bartlett, Eddie Anderson, Sam Hearn, Joe Besser, Artie Auerbach, Larry Stevens, Max Smith, John Rarig, Gurney Bell, Jay Mayer, Marty Sperzel, Thurl Ravenscroft, Bob Gregor, Sid Silvers, Frank Fontaine, Mary Livingstone, Benny Rubin, Benita Colman, Rochester Van Jones
Producer: Hilliard Marks, Irving Fein
Broadcast History: 1944 to 1945
Cast: Al Jolson, Milton Berle, Joe Besser
Host: Milton Berle


JPMorgan has upgraded Tencent Music Entertainment's stock to a 'buy' and set a target value of $16/share.
The decision by JPMorgan analysts comes just over a month after the Chinese firm began trading on the New York Stock Exchange under the symbol TME (on December 12).
As reported by the Motley Fool, JPMorgan (along with Merrill Lynch, Credit Suisse and others) acted as one of the underwriters for Tencent's IPO, but gave no rating at all at the time.
Earlier this month Morgan Stanley, Stifel and Deutsche Bank, which also helped to underwrite the IPO gave TME hold ratings, while Goldman Sachs and KeyBanc upgraded Tencent Music to a 'buy'.
According to a research note to investors from JP Morgan Alex Yao, as reported by the Fly, Tencent Music has a "China-unique revenue model," with Yao adding that he sees Tencent Music's long-term growth potential as 'sizeable'.
Meanwhile, HSBC (which was also an underwriter for the IPO) also upgraded TME's rating to 'buy' on Friday (January 18) and set the same target value of $16/share set by JPMorgan.
TME is home to three of China's leading music streaming services; QQ Music, Kugou and Kuwo.
The company raised around $1.1bn at the time of its IPO, offering 82,000,000 shares at $13, with an IPO market valuation on the NYSE of $21.3bn.
TME went on to open at $14.10/share and rose 10.6% during its first morning's trade, before closing the day up 9.2% at $14.19 per share.
The company officially filed to float on the NYSE in October 2018.


New ways to spread your nest egg over the next 30 years.
With the first wave of baby-boomers on the verge of retirement, there is escalating emphasis on helping retirees turn years of savings into a stream of income that they can't outlive. With more than $16 trillion in retirement savings nationwide, the stakes are high.
Retirees have traditionally relied on guaranteed lifetime income from pensions and Social Security. But these days, your retirement nest egg is more likely to be a lump sum -- either a one-time distribution from a pension plan or accumulated savings in a 401(k) or IRA. The challenge is to invest your money so it grows enough to last throughout what could be a 30-year retirement. In addition, you must figure out how much you can withdraw each year without running out of money.
In effect, the challenge is to create your own pension. But luckily, the financial-services industry is stepping up to the plate with an array of new solutions.
"Retirement-income products are the next big thing," says Jim Peterson, vice-president of the Center for Financial Research at Charles Schwab. "We're going to see lots of new products with new twists." Although there's no single investment solution to manage all of your retirement income just yet, several new options can help you construct a plan that works for you.
Two mutual fund giants -- Fidelity Investments and the Vanguard Group -- recently unveiled a new class of funds that manage your assets and provide a retirement income stream. Meanwhile, the insurance industry is reworking immediate annuities to meet the demands of aging baby-boomers.
If you're looking for the maximum amount of income for a specific period of time, one of the 11 new Fidelity Income Replacement funds may be appropriate for a portion of your nest egg. You choose a mutual fund with a target date -- currently from 2016 to 2036 -- and receive monthly payments until that year, when the fund is exhausted. Your payments are set for one year at a time and can rise -- or fall -- in subsequent years, depending on market performance.
Because of the preset time frame, payouts from the Fidelity funds can be larger than the recommended withdrawal rates for retirees who have to stretch their money over a lifetime. Generally, retirees are encouraged to withdraw just 4% of their nest egg the first year, and to increase the dollar amount to adjust for inflation in subsequent years. So if you have $500,000, you would withdraw $20,000 the first year. Assuming 3% inflation, you would take out $20,600 the second year, and so on.
But money you invest in the Fidelity funds will be depleted by a preset date, so you don't want to put all of your savings in one of these funds. Instead, such a fund would work well as an income bridge or to cover specific spending needs, such as a travel budget. The longer your time horizon, the smaller your initial payout rate will be.
Say you're 55, work part-time and plan to collect Social Security at 65. You could use Fidelity's 2018 Income Replacement fund to supplement your income for the next ten years. The initial payout rate of the 2018 fund is 9.58%. So if you invested $200,000, you would receive $19,160 the first year, spread out over 12 monthly payments.
The payout rate would gradually increase to 100% of the fund's balance in the final year, but the actual dollar amount could fluctuate from year to year. For example, had the fund been available during the three-year bear market that started in 2000, your monthly payment would have dropped from $1,597 the first year to $1,412 by 2003, according to an analysis by Morningstar. If the market performs well, however, your payouts could increase each year.
Or say you and your spouse are both 65 and would like some added income to supplement your pension and Social Security benefits. If you invested $200,000 in the Fidelity 2026 Income Replacement fund, you would receive a 6.5% payout, or about $13,000, the first year, with the possibility of higher payouts in subsequent years until the assets were exhausted 18 years later.
But don't tie all of your assets to your life expectancy. Although the median life expectancy for a 65-year-old is 83, half of that age group will live longer. If you're one of them, you could be out of luck if your funds expire before you do.
Although the Fidelity Income Replacement funds don't offer guaranteed income for life, they offer plenty of flexibility. You can stop payments, switch funds to shorten or lengthen your payout schedule, or withdraw all your money at any time -- without paying a fee. "We've created a vehicle that allows you to change your plans on the fly," says Jonathan Shelon, co-manager of the funds.
If you don't like the idea of mutual funds with an expiration date, take a look at Vanguard's new retirement-payout funds. They're designed to help retirees balance their current income needs against their desire for growth. "Our investors are very interested in having flexibility in later years to cover unexpected costs or to leave money to family members," says Ellen Rinaldi, head of retirement services for Vanguard.
Investors can choose among three portfolios, with distribution targets ranging from 3% a year (for those who need modest income now but want their capital and payouts to grow over time) to 7% a year (for those who need more income now but still want to preserve principal).
Schwab's Peterson says the Fidelity funds seem to "fill a niche for people with specific spending needs." The Vanguard funds, he says, "appear to meet a broader need for income and preserving capital." As with all mutual funds, if you die, the balance will go to your heirs.
You'll have more retirement-income products to choose from in the future, including new retirement-payout funds from Schwab that mimic Vanguard's approach of producing monthly income without chipping away at a retiree's nest egg.
But what these new retirement-income FUNDS don't do is guarantee income for life. Aside from a traditional pension or Social Security, the only product that can promise lifetime income is an annuity. "We find it's best to start out by looking at current living expenses, figuring out how much income you need in retirement, and how much of that income needs to be guaranteed," says Bret Benham, president of TIAA-CREF Life Insurance. "You'd be surprised by how much retirement income people expect to need going into retirement, ranging from about half of their current income to more than 100%," Benham adds, noting that TIAA-CREF provides more retirement income than any single source other than Social Security and has been doing so for nearly 100 years.
A recent study by the Wharton Financial Institutions Center at the University of Pennsylvania found that you could purchase a secure stream of income for life from an insurance company for about 25% to 40% less than it would take to generate the same amount of income from a traditional investment portfolio of stocks and bonds. (That's because you are spending both principal and interest and pooling your risk with other investors.) But you have to be willing to give up control of your assets and have nothing left for your heirs. Most people aren't willing to do either.
Although TIAA-CREF (www.tiaa-cref.org) sticks to traditional low-cost immediate annuities with few bells and whistles, some insurance companies are responding to consumer demand for flexibility by offering a new generation of products that allow you to change your payout amount, withdraw assets for an emergency or guarantee payments to your beneficiaries if you die early. But each feature you choose reduces the amount of your monthly payout.
For example, a 65-year-old man who invests $100,000 in a traditional life-only annuity would receive $676 a month for the rest of his life, according to New York Life. (A woman's payout would be smaller because of her longer life expectancy.) If the man lives a long time, it's a great deal. But if he dies early, the insurance company keeps the money.
Or he could choose a life annuity with a cash refund so his heirs would receive the balance of his initial investment if he died prematurely. His monthly payout would decrease to $626. If he opted for a life annuity with a 20-year guarantee (meaning his heirs would continue to receive annuity payments for 20 years from the date of purchase if he died before then), his monthly payout would drop to $591.
These products have struck a chord with consumers, says Mike Gallo, New York Life's vice-president for retirement income. He says about 60% of customers are choosing either a cash refund or guaranteed 20-year payout option, compared with 10% who select a life-only annuity. "We've seen very significant growth in the last few years, but I think we've just scratched the surface," says Gallo.
Running out of money is rarely a big concern in the early years of retirement. To protect the oldest of the old, a few companies are offering annuities that act more like insurance. You set aside a small amount of money when you retire, or even earlier, and you collect your first checks when your reach a designated age.
For example, say you make a one-time $25,000 investment in Metropolitan Life's basic Retirement Income fixed-rate annuity at age 60 and select 85 as your annuity start date. If you are still alive at age 85, you'll receive $24,300 a year for the rest of your life. If you invest at age 55, you'll receive $38,000 a year starting at age 85.
But if you die before then, you don't get anything. If that gamble doesn't appeal to you, you can add a feature that pays a death benefit to your heirs if you die before the designated payout date. The death benefit would equal the amount you paid in plus 3% a year from the date of your investment. But adding a death benefit means smaller payouts to you if you live past 85. So if you start investing at age 60 and you die at age 85, your heirs will get $52,000. If you live beyond 85, you'll receive $16,400 a year, compared with the $24,300 you would have received if you had not signed up for the death benefit. To maintain the maximum income for yourself, you could buy a longevity insurance policy and a separate life-insurance policy to provide for your heirs.
How much annual income can a 65-year-old man who invests $100,000 expect? Here are the first-year figures from a variety of retirement-income sources, as well as the trade-offs between income and flexibility. The annuity payments listed here are fixed for life. Investment payouts could rise or fall with market performance.
Income Source Amount per Year Guaranteed Income for Life? Control of Assets Legacy for Heirs?
For now, it's up to you to assemble the pieces of your retirement-income puzzle. Your choices will depend on your age, health and sources of income.
If you receive Social Security and a pension, you may have all the guaranteed income you need to cover your fixed costs. You may want to add some money to a Fidelity income fund for discretionary expenses or to a Vanguard or Schwab payout fund if you're more interested in growing your portfolio.
If you don't have a pension and you're concerned about outliving your savings, consider buying an immediate annuity to cover your fixed costs and pairing it with one of the new income funds to cover other expenses. You can compare annuity payout rates at www.immediateannuities.com. Because you'll want some liquidity for emergencies and other expenses, Ellen Rinaldi, of Vanguard, recommends that you don't spend more than 30% to 40% of your total assets on an immediate-payout annuity.