Thursday, September 6, 2012

Rain gives Roddick at least 1 more day

Andy Roddick returns a shot to Argentina's Juan Martin Del Potro in the fourth round of the 2012 US Open tennis tournament, Tuesday, Sept. 4, 2012, in New York. (AP Photo/Charles Krupa)

Andy Roddick returns a shot to Argentina's Juan Martin Del Potro in the fourth round of the 2012 US Open tennis tournament, Tuesday, Sept. 4, 2012, in New York. (AP Photo/Charles Krupa)

Andy Roddick returns a shot to Argentina's Juan Martin Del Potro in the fourth round of play at the 2012 US Open tennis tournament, Tuesday, Sept. 4, 2012, in New York. (AP Photo/Darron Cummings)

Argentina's Juan Martin Del Potro returns a shot to Andy Roddick in the fourth round of play at the 2012 US Open tennis tournament, Tuesday, Sept. 4, 2012, in New York. (AP Photo/Darron Cummings)

Victoria Azarenka, of Belarus, returns a shot to Samantha Stosur, of Australia, in the quarterfinals of the 2012 US Open tennis tournament, Tuesday, Sept. 4, 2012, in New York. Azarenka won the match. (AP Photo/Kathy Willens)

Spain's David Ferrer reacts during his match against Richard Gasquet, of France, in the fourth round of the 2012 US Open tennis tournament, Tuesday, Sept. 4, 2012, in New York. (AP Photo/Julio Cortez)

(AP) ? Black hood pulled up over his head, ice bag resting on his shoulder, Andy Roddick walked briskly into the parking lot to catch his waiting ride.

No time to linger or soak up memories at Flushing Meadows for the soon-to-retire former champion.

After a rained-out night at the U.S. Open, he had to get ready for a quick turnaround and what he hopes will be a quick start when things resume Wednesday afternoon in his match against Juan Martin del Potro.

When Roddick returns to Arthur Ashe Stadium, he'll be receiving serve with a 1-0 lead in the first-set tiebreaker.

Roddick was forced to sleep on the tie Tuesday night after going up an early break but giving it back when del Potro took advantage of three straight unforced errors to break in the ninth game, then held serve to even the set 5-5.

They played for 55 minutes after a day of on-and-off rain at the season's last Grand Slam tournament.

Nobody needed a rain delay worse than third-seeded Maria Sharapova, who lost the first four games against No. 11 Marion Bartoli before play was halted in the late afternoon. Trying to clear the way for the main event, the Roddick match, officials sent Sharapova and Bartoli home. They'll be the first back in Arthur Ashe Stadium when play resumes.

Other matches stopped in progress, also in the first set, included defending champion Novak Djokovic against No. 18 Stanislas Wawrinka, and No. 8 Janko Tipsarevic against No. 19 Philipp Kohlschreiber.

Watching it all Wednesday, when the forecast calls for an 80 percent chance of rain, will be No. 1 Victoria Azarenka and No. 4 David Ferrer. Azarenka defeated defending champion Sam Stosur 6-1, 4-6, 7-6 (5) and Ferrer beat No. 13 Richard Gasquet 7-5, 7-6 (2), 6-4.

Azarenka ended up with a tougher-than-expected afternoon considering the way the first set went.

"You don't want to know what I kept telling myself," Azarenka deadpanned. "I would have to beep that, I think."

Instead, she was covering her face with her hands with a look of disbelief when she won match point, then dancing to the music blaring over the loudspeaker. She will stay at No. 1 no matter what happens this week and her hopes of adding the U.S. Open to her Australian Open title are still very much alive.

"Definitely I don't want to stop. I really want it bad," Azarenka said. "I'm going to do absolutely everything I have, you know, to give it all here."

Azarenka and Ferrer were the latest to be overshadowed by 20th-seeded Roddick, who used the occasion of his 30th birthday last Thursday to announce he would retire after the U.S. Open. Since then, he's beaten the 43rd- and 59th-ranked players.

The seventh-seeded del Potro offers a whole different kind of challenge.

Standing 6-foot-6 and with a rangy, flat forehand, del Potro is the only man besides Roger Federer, Rafael Nadal or Djokovic to win any of the last 30 Grand Slam titles.

Roddick's biggest test so far began in front of thousands of empty seats, certainly owing to the rainstorm that sent fans streaming toward the exit that leads to the 7 train back to Manhattan.

But if Roddick needed fans to pump him up, it didn't show early.

Playing in muggy weather that had drops of moisture flowing off the brim of his cap, Roddick came out the aggressor, looking for any opportunity to get to the net, and the volley he smacked to end the third game glanced off del Potro's right shoulder.

Later, Roddick broke for a 4-2 lead and pumped his right fist when del Potro flubbed a backhand into the net.

Roddick held for 5-2, saving a break point along the way and displaying a varied repertoire: an ace, a drop-shot winner, a backhand winner down the line and an inside-out forehand passing shot.

But Roddick couldn't close out the set. Five times, he stood two points from wrapping it up, but couldn't get closer. When Roddick served for it at 5-3, he played a loose game, rolling his eyes after putting one backhand into the net, then sailing an approach shot long and rushing a forehand long. Del Potro broke there and eventually, as drops began to fall, they headed to the tiebreaker.

After only one point, an inside-out forehand winner by Roddick, chair umpire Carlos Bernardes stepped down to inspect the wet court and declared it unplayable. A few spectators booed. Roddick and del Potro sat in their changeover chairs for a few minutes, until being told the delay would be substantial enough that they could wait it out in the locker room.

About 10 minutes later, Roddick was in the lobby, saying hello to Kim Clijsters, now retired, but at the stadium to watch Roddick play. Roddick stopped briefly to take a few pictures with a group gathered near Clijsters, then headed to the parking lot for his waiting ride.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-09-05-TEN-US-Open/id-c5bfd69cb48c47479310d6454cfd30fc

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Video: Larry Kudlow Outraged by America's Decline

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Source: http://video.msnbc.msn.com/cnbc/48920700/

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Fee-Based Or Fee-Only? Does It Matter? | FiGuide

The Dodd-Frank Wall Street Reform and Consumer Protection Act passed without requiring a universal fiduciary-duty rule. Such a rule would have required broker-dealers (Merrill Lynch, Morgan Stanley, UBS, Wells Fargo Advisors, etc.) to be held to the same standards as investment advisers. Now the SEC must interpret the law?s meaning.

The heart of the debate is the question of sales commissions. Broker-dealers argue it is possible to collect sales commissions and also give trustworthy advice. Other advisors and regulators in the industry believe an advisor?s vision is clouded once the investment choices include products paying large sales commissions, and that clients pay a heavy cost when dealing with a broker-dealer. Sales commissions are attached to most products utilized by broker-dealers, including load mutual funds, unit investment trusts, and most insurance products.

When determining the impact of sales commissions on investment advice, consider these questions:

  • Can a financial advisor recommend that a client invest in a mutual fund that pays a 5.75% commission to the advisor and still say that he/she is looking out for the client?s best interest?
  • What if the financial advisor knows the client can purchase the same mutual fund without a 5.75% sales commission? Can the advisor still sell the product, collect the commission, and say he/she is looking out for the client?s best interest?
  • Does not the charging of even a?disclosed?sales commission disqualify an advisor from acting in the client?s best interest if the sales commission alters the advice of the advisor?

The holy grail of sales commissions for many broker-dealers is the variable annuity. A commission of 5%?or more is regularly paid to advisors selling these products. Even though these expensive products don?t make sense for most people (as?this article?in the August 1, 2010 issue of SmartMoney points out),?they are more aggressively sold ?than fake merchandise on the streets of New York City?.

The fashionable trend for advisors working at a broker-dealer is to distance themselves from the entire sales commission debate by stating they are ?fee-based? advisors. The connotation is that they don?t charge sales commissions much, but rather focus on fee-related compensation, which is deemed by investors as a more equitable source of compensation than large sales commissions.

Similarly, smaller broker-dealers are increasingly attempting to separate themselves from larger broker-dealers such as Merrill Lynch and Morgan Stanley by utilizing the word ?independent? in their marketing campaigns. With the increase in momentum of the anti-Wall Street movement, the investing public equates the words ?independent? and ?fee-based? as good, ?Wall Street? and ?commissions? as bad.

So do ?independent, fee-based? advisors really avoid sales commission products?

Unfortunately, the reality is quite different from the public marketing campaign of these broker-dealers. The fact is that even the independent broker-dealers rely on sales commissions for a large part of their revenue. In fact, in the June 2011 Financial Planning magazine cover article highlighting the top 50 independent firms,?48 of the 50?generate the majority of their revenue from commissions! It appears someone is still selling the front-load investment products and variable annuities after all.

The Fee-Only Advisor

There is a major distinction between a ?fee-based? and ?fee-only? financial advisor. By hiring a fee-only advisor, an investor can ensure that their advisor will never give advice that is tainted by the possibility of collecting a commission. A fee-only advisor has a fiduciary responsibility to choose investments that are in your best interest, are legally liable for the advice they give, and cannot receive compensation from outside sources such as brokerage firms, mutual fund companies, or insurance companies. A fee-only advisor is paid directly by the client and only by the client; thus, their loyalty is 100% to the client.

Source: http://www.figuide.com/fee-based-or-fee-only-does-it-matter.html

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Nursing Schools - Comparing Online LPN

Once you have made the decision to pursue an LPN degree online, it?s time for comparing online LPN nursing schools. A few factors should go into your decision, such as your needs and career goals. The following information will help you in the process.

Accreditation

One primary factor when comparing online LPN nursing schools is accreditation. Any school you choose should be accredited by one of the primary nursing professional organizations.

These are The National League of Nursing Accreditation Commission and The Commission on Collegiate Nursing Education (CCNE). Because an LPN program prepares you for state certification, this accreditation is essential.

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You can also contact these organizations directly. Before enrolling, be sure that your state will accept the program for preparation to take the NCLEX licensing examination.

Rankings and Reports

Another way for comparing online LPN nursing schools is by finding out how other organizations rank the school as well as the school?s information on graduates. The U.S. News and World Report ranks many colleges including online nursing programs.

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Word of Mouth

Comparing online nursing LPN schools by talking to those who have attended these programs is another way to learn more about each. If you are a member of a professional nursing organization, you can inquire about online programs.

Other tools on the Internet, such as newsgroups, can also provide additional information on the best online LPN programs. One of the best ways to learn about a school is by talking to those who have been there.

Source: http://12dass.com/nursing-schools-comparing-online-lpn/

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How to Improve Feng Shui in Your Kitchen | home improvement

This article is posted under home improvement

Feng Shui is an ancient Chinese approach to organising objects to balance their positive and negative energies. The practice is tied to ideas of maintaining perfect forms within the home and architecture, and features a number of superstitions about blocking light and mixing the wrong energies together in a space. Feng Shui can be improved in your kitchen in a number of different ways, from adjusting lighting to improving cleanliness, through to making the best use of kitchen chairs and tables, and crockery and decorations. Taken together, it is possible to aim for a positive mood within your home.

1 ? Lighting

The lighting in your home should be as bright and natural as possible to boost positive energies. This means taking a generally minimalist approach to decoration, and to opening out windows to let in light. Having a large amount of light also works hand in hand with reducing clutter, and keeping kitchen counters and tables free of appliances to create an open and relaxing atmosphere. Discreet candles and lamps can also be used to create these effects.

2 ? Cleanliness

Having a clean kitchen is an important part of Feng Shui. Cleanliness extends to everything from cleaning out cupboards of old tins of food, to regularly cleaning fridges and freezers. Fresh food should be prominently displayed, and counters decluttered and wiped down to ensure that there isn?t a buildup of dirt and dust. Appliances should be kept to a minimum, and dishes should be placed out of view, as should bins and other forms of waste.

3 ? Tables and Chairs

Kitchen tables and chairs can be organised to make the most of space, and to emphasise clean energy lines through rounder shapes. Sharp corners and edges represent negative chi energy, and should be avoided. Using quality materials that will stand up to wear and tear, and emphasising balanced sets of furniture that are in proportion to the rest of a kitchen will also improve your Feng Shui space. At the same time, you should be careful about having chairs and tables that block routes through the kitchen, and that place you against windows and mirrors.

4 ? Crockery and Decorations

The colour and shape of crockery and decorations within your home should flow through white colours and round shapes. Specific colours can be used to alter moods, with blues linked to reduced appetites, and reds and oranges to increased appetite and enjoyment of food. Positive chi energy can similarly be boosted through the display of yellow flowers, which help aid digestion. For the best results with Feng Shui, avoid mirrors, as they represent bad luck. You should also try not to place a stove next to a refrigerator, as this combines the opposing elements of fire and water. The same rule applies for water pipes. Stoves should not face the door, and the kitchen as a whole should not be viewable from the front door, as this again signifies bad luck and an accumulation of negative energy.

Author: Lily Fox is an interior designer and enjoys remodelling kitchens.

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Source: http://www.stepbystepdirections.com/home-improvement/how-to-improve-feng-shui-in-your-kitchen/

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