text:
Re: RARA-AVIS: Making Spenser's Life Easier (Without Hawk)

From: George Upper (
Date: 15 Nov 2001

--- Gerald So <> wrote:
> We've mentioned how Hawk, Vinnie, Chollo et al
> shield Spenser from hard
> decisions. One instance of Spenser-shielding that
> bugged me more than
> any sidekick was *Parker's* killing off Candy Sloan
> (1981).

Yeah, this has always bothered me, too, but I'm not sure that I agree that Parker did it for the reason you're suggesting. In later novels, Spenser and Susan discuss his failure to protect Candy and how he needed Susan to "heal himself" psychologically afterwards. I'm no psychologist, but this sounds like babble to me--it's what they say, though.

ANYWAY, I think Parker wanted to have Spenser fail in protecting someone he loved WITHOUT killing of Susan, Paul, Hawk, etc. So he invented a new love interest for the express purpose of killing her off. So while I agree with you that it might have been interesting to see Spenser and Susan cope with the affair had Candy lived, I don't think that was ever in the cards.
 Rather, I think Parker took the coward's way out here in protecting his characters and inventing a new love interest. I think it would have been much more interesting to see Spenser lose Susan, for example--or at least to have her almost killed, on the brink of death the way Spenser himself has been a couple of times--when he was supposed to be protecting her from some threat.

Personally, I was glad when Susan left for CA and it looked like Spenser was going to go out with Rita Fiori from the DA's office or wherever she was from.

Geez, this is starting to sound like a soap opera.

===== George C. Upper III, Editor The Lightning Bell Poetry Journal

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RARA-AVIS: the hot spot

From: Robison Michael R CNIN ( Robison_M@crane.navy.mil)
Date: 24 Jan 2002

thanks bill and brad,

i found _the hot spot_ on amazon! and i'm gonna check out the ebay link right now. i'm probably the last person on earth that hasn't ordered some- thing off ebay.

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text:
Re: RARA-AVIS: Serial Hardboiled?

From: Michael Robison (
Date: 02 Feb 2002

>Oliver says:
> Hello all, I'm new to the list and a bit of an aspiring writer (yeah, I
> know, nothing new). I'm planning to do a serial story in on my website and
> was wondering if anyone knew about any stories told serially in the
> hardboiled/noir genre. From what I understand a lot of the pulp
> comics/magazines (40s era) were done this way, but are there others?

i'm pretty much a newbie to hardboiled myself, so i can't help you on your question about serial stories, but there are a lot of very knowledgable people here who will know.

i just wanted to say: welcome to the group and good luck on your story.

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text:
Re: RARA-AVIS: Top 100 Hard-Boiled Characters

Date: 23 Mar 2002

Re your question below:

> By this criterion [main characters only], would
> Gutman in The Maltese
> Falcon be considered a main or
> supporting character? because clearly, this is a
> guy who belongs in the
> "HBC".

The Motion Picture Academy considered Gutman a supporting character, since Greenstreet was nominated for an Oscar in the Supporting Actor category. Generally I'd say villains (with clear exception like Parker) are supporting characters. Thisa aside, though Gutman appears in a hard-boiled novel, he himself is not particularly tough, and certainly isn't colloquial, so he's not particularly hard-boiled himself. Actually, it was the gallery of great supporting characters in THE MALTESE FALCON that led me to suggest a "main characters only" rule.

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text:
RARA-AVIS: gatsby

From: Carrie Pruett ( pruettc@hotmail.com)
Date: 13 Apr 2002

FYI, I believe that the character in the Great Gatsby who allegedly fixed the world series was named Meyer Wolfsheim. Wasn't he the one who had cufflinks made out of human molars? anyway, I believe Wolfsheim was based on a real guy named Rothstein (?) which I think has already been said here. I just wanted to throw in the character's name. The tooth cufflinks sounds like it must be a detail drawn from life, but I don't know if it was Rothstein who wore them.

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text:
RE: RARA-AVIS: 1st & 3rd

From: Mario Taboada (
Date: 24 May 2002

<<the impressive thing about hammett stealing this technique from hemingway is that the glass key came out in 1931, and the spanish civil war, upon which _for whom the bell tolls_ is based, didn't start until 1937. thats amazing, isn't it? how did he do that?>>

By adopting a Consciously Retro Style, obviously.

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text:
RARA-AVIS: 30's month

From: M Blumenthal ( blumenidiot@21stcentury.net)
Date: 30 Nov 2002

I was in Boston for a while. I met a woman who is a lurker on this list. Her only comment on it was, "Michael Robinson seems to write a lot."

I read two Raul Whitfield books for '30's month. The first is Green Ice. I know Mario and others consider it a classic, but I think it can be thought that if you consider it was published at the beginning of the decade, but not if you compare it to its contemporary The Maltese Falcon or many books that came later. Miker has already outlined its plot. Mal Orney has gone to prison to protect a girl whom he wants nothing to do with when she picks him up upon his release. He inherited a small fortune which he plans to use to help the little guys against the big guys.When he arrives in New York City a former inmate who was to help him. Immediately, there are some murders which Mal somehow knows weren't committed by the obvious suspects. even though he had just been in prison. The the writing is good -- lean and tough, but the plot's weakness, the lack of credible motivation or well devoped characters made this book a disappointment to me.

The second book is Death in a Bowl which was published a year later, 1931.In this the central figure is a private detective, Ben Jardinn. The characters seem more believable to me. When Ben is suspicious of someone he gives his reasoning. The writing is again good. Perhaps its weakness is how the complicated the title murder is, but it is ingenious.

On to the forties... Mark

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text:
RARA-AVIS: John Spain

From: abc@wt.net
Date: 08 Dec 2002

When thinking about something to read from the '40s, I had another glance at THE ANTHONY BOUCHER CHRONICLES II, which reprints Boucher's reviews from 1942-1947. Boucher reviewed just about every mystery published during that time, so it's a great thing to have around when talking about the 1940s. One of the early reviews (November 8, 1942) is of John Spain's DIG ME A GRAVE: "Confidential agent William Rye breaks up blackmail and murder in L. A. politics. Authentic hard school -- as close to Hammett himself as anything in many years." Well, who wouldn't want to read that one? Luckily I had a copy lying around the house, so I dug it out.

First of all, I should mention that Spain is really Cleve F. Adams, who's been brought up here recently I believe. It's possible that his novels a Spain got more praise than he got for books under his own name.

Bill Rye works for a man named Callahan, a guy who's made a fortune and who now has a lot of influence in California politics up to and including the governor. His political rivals would like to ruin him, and his family (a straying wife, a weakling son) aren't doing much to help. Then a young woman shows up and claims to be his illegitimate daughter. Her abusive step-father appears. People start getting killed, and it's up to Rye to keep Callahan out of jail, clear him of a murder charge, and keep all the bad news from getting in the papers. Things get pretty complicated before the final unravelling, but it's fast, interesting, and well written all the way. Maybe not quite as close to Hammett as Boucher implies, but certainly
"authentic hard school." As such, it should be of interest to nearly anyone on this list.

The sequel, DEATH IS LIKE THAT, was also reviewed in Boucher's column (October 10, 1943): "The entire surviving cast of DIG ME A GRAVE, starring cynical Bill Rye, tangles with more L. A. politics and murder; the cast will be much smaller next time. Better-than-average hard stuff, but more routine than the unforgettable first Spain."

As luck would have it, I have a copy of this one, too, and I plane to read it (as they say in fandom) Real Soon Now.

Bill Crider

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text:
RARA-AVIS: Willeford's published play

From: Moorich2@aol.com
Date: 17 Feb 2003

I just pulled down my copy of the Re/Search edition of the Willeford novels HIGH PRIEST OF CALIFORNIA and WILD WIVES published in 1987 and see that it included a three-act play adaptation of High Priest. I had forgotten about that play. I assume that this is the adaptation that is debuting in New York this Wednesday.

Richard Moore

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text:
RARA-AVIS: Book on pulp magazines

From: Jan Long ( janlong821@earthlink.net)
Date: 19 May 2003

This message was posted to another list I'm on. I checked the archives and saw other books by this author mentioned, but not this one. Thought it might be of interest to some of the people here, so am forwarding this (with the sender's permission):

> Subject: [Shortmystery] x-posted: fun book find
> Date: Sun, 18 May 2003 22:28:21 -0000
> From: "jonmarie2000" < Jonmarie2000@Yahoo.com>
> I stumbled upon this fun book while browsing in a small bookshop: The
> Classic Era of American Pulp Magazines by Peter Haining(ISBN 1-85375-
> 388-2)publisher: Prion. This is a UK publisher.)
> The book is richly illustrated with covers from the early 1900's
> onward. Most of these are American pulps, but there is a sizable
> section devoted to British pulps.The text examines the various kinds
> of pulps (fantasy, sci-fi, crime,etc.) and how they developed. The
> book sums up the kind of content contained in specific publications.
> There's an appendix at the back devoted to 'The Pulp Wordsmiths' with
> brief paragraphs about numerous authors.
> Besides being a good book for any pulp afficionado, I also find this
> jumpstarts story ideas.
> I love this stuff!
> Jonette
> Editor, http://www.stabbert.com/amsterdamscriptum.htm

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text:
RARA-AVIS: Eisler, King, and Bruen?

From: Michael Robison ( zspider@gte.net)
Date: 27 Jul 2003

I ordered a book called STREET LEVEL by Truluck this morning. It was on my Amazon wish list and I have no idea where I heard about the book and I know nothing about it, but Amazon popped up several other suggestions when I ordered it. I was familiar with several of them, like Michael Connelly, Robert Crais, and Vachss, but Amazon also recommended Ken Bruen's THE GUARDS, Eisler's RAIN FALL, and Jonathon King's BLUE EDGE OF MIDNIGHT.

I looked at what Amazon said about them. RAIN FALL looked particularly interesting. Any comments on these writers would be appreciated.

Thanks, miker

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text:
RARA-AVIS: Two-Way Split

From: Stewart Wilson ( stewart@stewartwilson.com)
Date: 03 Jun 2004

I finished TWO-WAY SPLIT today, having enjoyed it immensly. When Al first mentioned the project a while back (12/2002) with its original title, I thought he was probably being more than a bit presumptuous to invoke Willeford for a first novel. It turns out I was wrong; although the characters, style, and tone reminded me more of another of my favourites: Gores.

Anyway, the book is excellent, and I highly recommend it. All the good things that have been said about it on the list are true.

Stewart Wilson
Toronto, ON

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text:
RARA-AVIS: Davis Dresser

From: John Herrington ( library.john@virgin.net)
Date: 20 Aug 2004

Having been a silent witness for some time, I think its time I got a little vocal. I must admit I am more into facts about writers and their books, like pseudonyms of which I have a rather large database, so forgive me if I prefer to read rather than argue.

        Anyway, Davis Dresser. Not really a post themed question I suppose, but can anyone confirm that in the 1930s he wrote 'After passion' as Jerome Shard? Only source is the Library of Congress, so I would love to hear if anyone can offer more evidence.

Regards John

John Herrington Woodbridge Suffolk

[Non-text portions of this message have been removed]

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An Introduction to Art Techniques

by DK Publishing

A comprehensive guide for the enthusiastic beginner and the experienced artist alike, this book embraces seven basic elements of art technique in one comprehensive volume. The subjects included are drawing, perspective, watercolor, pastels, oil painting, acrylics, and mixed media. Easy-to-follow projects--from drawing natural forms to creating a photo collage--teach you all the essentials of each subject and inspire you to go on to master more complex techniques. Close-up, step-by-step photographs show artworks being created before your eyes, revealing the secrets of how professional artists produce their work. You will find clear, authoritative text written by artists who specialize in each particular medium. Paperback book measures 10 7/8 in. x 8 1/2 in., 480 pages. DK, 2000. ISBN 0789451514

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Bugs Stickers

by Dover

Sticker fans with a passion for creepy, crawly things will have fun with this collection depicting a swarm of familiar insects. Accurately rendered images of 24 different species include such familiar arthropods as the American horsefly, firefly, cricket, ladybug, flea, mosquito, cockroach, praying mantis, carpenter ant and termite. Perfect for classroom use, homework assignments and bulletin board displays, these full-color, detailed designs will fascinate nature lovers and sticker collectors of all ages. Paperback, indentifications, 24 full-color stickers on 4 plates.
4 in. x 5 3/4 in. book.
ISBN:486295869. DOVER

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TL Voyager - Leather travel bag - Large size

TL Voyager - Leather travel bag - Large size

  • Vendor: Tuscany Leather

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1. #1

    Why am I lagging so much on GW2??

    Hey there people, I was wondering if anyone could tell me why my pc lagg so much playing guild war 2, I just recently brought a new graphic card and update my rams. I get only 5-8 frame rate in city and 8-15 frame rate in world map. I'm running everything low and none on graphic setting. Any advices is helpful for me thx.
    AMD Athlon 64 X2 3500
    2.1 gz
    ATI Radeon HD5450 DDR3 2GB 64bit PCI-E
    4 gig rams
    Window 7 pro 32 bit

  2. #2
    Don't know what it could be, but what does it say here
    http://www.systemrequirementslab.com/cyri/intro.aspx ?
    Just type in guild wars 2 or chose it from the dropdown menu.
    Last edited by Riddles; 2012-09-04 at 05:58 PM.

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1. #1

    lvl 85 parry/dodge requirements for cata HC and/or HoT HC

    hi guys, i'm pretty new on mmo champion, but i think this is the best place to ask you a question towards my 85 exp locked pala tank.

    Recently i locked my tankadin on 85 for the purpose of farming jp and buying looms for my alts, the thing is that i seem to lose heavy amounts of health in cata hc's and HoT hc's. i'm gonna add my link to the armory here and i would love some feedback on what i should do about my dodge/parry rating, is it good?, do i need to make other changes, etc...

    character : Wiped
    Server : Doomhammer EU alliance

  2. #2
    High Overlord
    Join Date
    Oct 2010
    Somewhere, Europe
    In general, hit above 7.5% (+3/boss level cap) is a waste nowadays. First of all I would kick away some dodge and reforge it into expertise and haste (active mitigation - for stable HoPo generation and higher uptime of dmg-reduction buff after shield).
    Also talents - I prefer sacred shield over Eternal Flame. I have healers to heal me after all. Imo preventing=absorbing > healing. Sanct Wrath is imo fail for protection. HA = win. DP is unpredictable. Eventhough it can bring more "3HoPo's" than HA, you don't want RNG when tanking.
    If you dont have problems with gold you can buy 415/85 MoP crafts or up-to-450/85 world drop BoE's. More stats is always a win. Enchanting items (even with cheap enchants) is also always a win over unenchanted gear.

    Btw consider using some glyphs . Usually I'm using 20%/20% Divine Protection, Battle Healer (I tank most of time with SoI) and Focused Shield or Alabaster Shield. Focused Wrath (minor) have also few uses.
    Last edited by Michalus; 2013-04-23 at 12:23 PM. Reason: speillng ;)

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Meet Antonio

576cde17782417eb7edc9787da0eee38 - Waiting Kids - Detail
Black or African American, Caucasian
Antonio is an outgoing young man. He has an excellent sense of humor and is fond of pranks and practical jokes. Antonio is talkative, curious and has lots of energy. He tends to gravitate toward younger children and adults versus same age peers, but enjoys being around people in general. Antonio can be busy, busy, busy! He likes to be helpful do chores alongside a caregiver. Some of his favorite foods are tacos and pizza and he’s a really good eater! Antonio loves Legos or any kind of building activity. He likes to play with cars and games and is very imaginative. He is very active and enjoys being outdoors. He likes fishing, bike riding, boating, archery, etc. He got to go to camp last summer and loved all of those activities! He also enjoys playing hockey and soccer and has participated in gymnastics. He has grown a lot academically in the last few years and will continue to need support in this area. He does like to read!  Antonio enjoys Christian music and has attended various religious services with previous foster families. Antonio needs a two parent family that can provide lots of supervision, support and structure. It would be best if there were only a few other children in the home.

Following adoption, he would need to maintain contact with his sister as well as other birth family members.
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Candlelight Evenings at Nixon Library

Pat Nixon.jpg

A Special After hours ceremony on Wednesdays through December 27

In the spirit of White House Christmas traditions past and present, the Richard Nixon Presidential Library and Museum is opening its doors after hours for special Candlelight Evenings every Wednesday night through December 27.

The new offering offers guests an opportunity to explore A Whistling White House Wonderland, a train display with a 10-foot mountain of model trains whistling over bridges and through tunnels.

Candlelight Evenings also offer pictures with Santa Claus, live Christmas music in the White House East Room and an opportunity to see a replica of First Lady Pat Nixon's 1971 Gingerbread House.

"These special events are a tribute to First Lady Pat Nixon, her legacy of opening the White House to the American people and her love of Christmas," the museum said.

Guests who purchase tickets for this event can also write letters and sign holiday cards for wounded warriors and Marines at Camp Pendleton and create festive Christmas ornaments to take home for their tree. Sugar cookies and hot cocoa will also be served.

The Nixon Library's award-winning presidential museum galleries are also open during Candelight Evenings. Candlelight Evenings are sponsored by Pacific Mercantile Bank. Adult admission is $29, Children ages 5-11 pay $16. Parking is free.

For more information, click here.

Anabel Marquez


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Rescue mission: Govt urged to intervene to save auto-enrolment

Efforts to prevent a generation of impoverished pensioners are under threat from ill-equipped employers and failing provider business models.

Automatic enrolment was launched to boost the private pension savings of workers as defined benefit schemes closed and longevity increased.

While large employers have coped well – opt-out rates are at an average of just 10 per cent – small and micro firms have a worrying lack of knowledge about their new duties, despite all employers needing to be fully enrolled by the start of 2018.

An improving economy has also forced The Pensions Regulator to increase its forecast of the number of firms that will be eligible for auto-enrolment by 500,000.

Politicians, business organisations and corporate advisers fear the Department for Work and Pensions’s flagship policy is “going up the wrong path” and will be a “complete nightmare” for hundreds of thousands of employers.

At the same time some of the largest pension providers are struggling to make their business models work over the long term without introducing new charges.

Chancellor George Osborne’s pension freedoms have also been a distraction as the industry and policymakers battle to keep up with the biggest changes for a century.

Fears are growing auto-enrolment will come unstuck just as the employees it should help the most begin saving. But experts believe there is still time to intervene and help the firms most likely to break rules and and prevent them from racking up thousands in fines.

Enter the micros

The largest employers in the country began auto-enrolling staff in 2012 with typically very low rates of people opting out once they were in. These firms generally maintain full-time pensions departments and have a history of providing pensions to their staff.

While this represents over five million members, 97 per cent of all employers are yet to hit their staging dates. Around 1.8 million companies have not yet begun auto-enrolment.

A survey conducted by TPR of small companies – with between five and 49 members of staff – and micro firms, with fewer than five staff, reveals the scale of the challenge to come.

Only around one in three (38 per cent) small and micro firms know their staging date, according to TPR. Around half (48 per cent) of micro employers and 41 per cent of small employers think auto-enrolment will be “financially difficult”.

A fifth of small firms currently do or plan to use an IFA, as do 15 per cent of micros.

Conservative MP for South Thanet and Department for Work and pensions select committee member Craig Mackinlay told Money Marketing he plans to work toward a “more elegant solution for smaller businesses”.

He says he has first-hand experience through his accountancy firm of “companies calling up because they’ve got a letter from TPR and they’re scared”.

“With a lot of these things, once they bed in it’s never as bad as the fear factor you had before, but auto-enrolment is going up the wrong path with small employers.

“It’s not too late to actually do something about it because the staging dates aren’t here yet.”

He adds: “You would get a lot of SMEs in this country going bankrupt under the fines that are being promised, that’s got to be looked at. At the moment there’s too much obligation on a small employer, when all they’re trying to do is run a shop with a couple of workers and all of a sudden they’ve got TPR on their back.”

In May TPR issued its first four escalating penalty notices. These can range from £50 to £10,000 a day depending on the size of the firm and severity of the breach. The regulator would not say what level of fines were issued. In addition, 332 £400 fixed penalty notices had been handed out at the end of June.

LEBC division director of group savings and investment Glynn Jones says smaller firms can be split into two groups; those that use book keepers and accountants, and those who do everything themselves.

He says: “We get the impression the book keepers and accountants are getting there. We are launching an online service for them to help manage auto-enrolment for their clients.

“But the problem remains for about a third of the small and micro market who do it themselves.

“I don’t know if it’s too late for them to get themselves sorted. Our solution can be used directly by companies, but they’ve got to know where to find us.

“It could really be a mess over the next two years, I don’t know how to reach those hundreds of thousands of employers.”

The Government has already given small firms one reprieve, delaying staging dates for those with fewer than 50 employees by a year back in 2011.

Now Mackinlay calls on the Government to change its approach to small and micro employers, who he believes will always struggle complying with auto-enrolment.

He says: “What I’d like to see would be an alternative for smaller businesses where, rather than them sending contributions to Nest or Standard Life, it is collected through additional National Insurance contributions and sent to providers via HM Revenue & Customs.

“It would be administered within the NI system, so employers just take another 1 per cent and do not have to build an entirely new system.”

While the idea has support in principle, most think it is too late to change the model for auto-enrolment.

Rowley Turton director Scott Gallacher says adapting the contracting-out system used for the additional state pension was considered before auto-enrolment began, but the Government shied away from taking on the administrative burden.

He says: “At the start of auto-enrolment the better option would have been to do the entire thing through the NI and contracting-out system we had for Serps.

“You have an existing NI system where all employers have to pay themselves and on behalf of their employees. We could have just rep-laced pension contribution rates with additional NI contributions. Then you could have made pension providers agree certain standards, like we have now, but also to agree to take on anyone.

“Then people who don’t make a decision are allocated a provider at random. There would have been no impact on employers and employees at all, other than making contributions. That would be incredibly clean.”

Institute of Directors senior adviser Malcolm Small says expanding the reach of auto-enrolment – though a greater financial burden for employers – would make it simpler for small firms.

He says: “I would favour a situation where if you are paid at all, contributions are automatically paid, whether you are earning £10 or £1,000 a week.

“That would radically simplify the situation for employers. At the moment small employers are struggling to understand the rule set, it’s not that they don’t want to comply, they just have to find their way through an incredibly complex rule system.”

Figures published by the Pensions Policy Institute last week show only half of the working population – around 20 million people – are eligible for auto-enrolment. Women, older and younger workers are most likely to be excluded and most likely to be employed by small firms.

Small says: “There are a lot of people who fall outside the problem on paper, even though they might have two or three jobs that take them above the threshold. My concern is people are just not being caught by the system in the first place.”

Aviva head of financial research John Lawson agrees expanding auto-enrolment to all workers “will truly democratise savings and simplify the calculations and eligibility assessment”.

But he warns employers are “unlikely to agree to this as it would increase their costs significantly”.

Rising employer costs

Small employers could see their costs rise in any case as more providers eye new charges. Last week, master trust Now: Pensions revealed it would be adding an employer charge of up to £40 a month to new customers from 2016.

The level will be set depending on the results of a survey of employers’ needs, which could include support staff assigned to individual firms.

Last year, Money Marketing rev-ealed The People’s Pension was considering adding a charge and the provider is yet to rule one out. Government-backed scheme Nest says it will not follow suit. Aviva already levies charges in addition to member fees.

Lawson says: “Where average contributions are lower and staff turn-over higher, that is when a higher charge is required to recoup costs. If these costs cannot be fully covered by a 0.75 per cent charge, employers are offered the option of paying an additional fee.

“Most mainstream providers have already gone down this route. The difference here is that Now: Pension’s proposition is not as broad as many mainstream providers – for example, most mainstream providers offer a wider fund choice. They may find it more difficult to compete if their price is similar but the proposition is not as broad.”

SimplyBiz workplace solutions director Tom Nall says Now: Pensions’ approach is “reassuring” and predicts more providers will add charges.

He says employers often do not realise the extent of costs in addition to contributions – such as technology, administration, consultancy and advice fees.

He adds: “Employers are used to paying fees for services, they value and evidence from providers that do charge fees is that the issue may be more a legacy of how pensions business has been done in the past rather than great resistance from employers.”

Pensions Regulator spokeswoman says: “Our research shows most employers want to do the right thing by their staff and that most small and micro employers due to reach their staging date this year are well underway with their plans.

“We continue to review our communications and tools so that they are suitable for changing audiences.  We are now refreshing our website so that employers who may not have pensions experience will be able to easily follow the steps they will need to take to comply with the law.

“Seven out of ten employers will be asking their advisers for help and we are ensuring advisers have the information and tools they need to help their clients with their automatic enrolment duties.

“Most employers who have implemented automatic enrolment say they wish they had left more time and small and micro employers should ensure they leave enough time to get their plans in place.”

We need to charge employers to keep the doors open

Morten-Nilsson-outside-in-2011-700.jpgSo far, auto-enrolment is doing its job. Department for Work and Pensions figures show the policy has already successfully stopped the long-term downward trend in pension saving in the UK.

But it is far too early to hail a victory. While 5.3 million people have been auto-enrolled, it is important to remember just 3 per cent of employers have gone through the process.

Analysis from The Pensions Regulator shows that of the 1.8 million employers yet to stage, two-thirds employ between one and four workers while 16 per cent employ between five and nine workers and 17 per cent between 10 and 49 workers.

Most of these small businesses have no experience of pensions. Research Now: Pensions conducted with 269 employers yet to stage revealed two in three  do not have an existing pension scheme. They are also less likely to seek professional advice with only 6 per cent stating they will seek the help of a financial adviser for auto-enrolment.

As a result, they are going to be relying more heavily on their pension provider for support both with scheme set-up and on an ongoing basis.

For many providers, the effort involved with administering these schemes will not be worth it. Some will choose to withdraw from the market altogether, others will operate bespoke terms and opaque charging structures.

We remain committed to serving the entire market and recently launched a consultation to give smaller employers the opportunity to tell us exactly what they want and need from their auto-enrolment provider. Using feedback from this consultation, we plan
to enhance our proposition to specifically meet the needs of smaller firms.

We believe it is vital there is choice in the market for companies of all sizes. But in order to keep our doors open for everyone and provide the right level of support, it is necessary for us to introduce a monthly service charge for firms staging from 2016 onwards.

The exact level of the charge will be determined following the conclusion of the consultation but it will be no more than £40 per employer per month.

A competitive market, where employers have choice and commercial providers can run their businesses sustainably, is a healthy market. And a healthy market is essential if auto-enrolment is to achieve its objectives.

Morten Nilsson is chief executive at Now: Pensions

Providers’ membership

Nest – 2.4 million

The People’s Pension – 1.5 million

L&G – 1.4 million

Now: Pensions – around 550,000

Adviser view

Chris Daems, director, Cervello Financial Planning

Now: Pensions needs to ensure its model remains sustainable and therefore making a commercial decision to apply a monthly charge is understandable. However, from a small business owner’s perspective the key factor is how much additional value they add over and above pension providers who do not charge employers directly.

A different approach for auto-enrolment around SMEs may have been appropriate prior to the implementation of the reforms, but trying to change course now is the wrong thing to do. There are other examples across the world of similar legislation being effective over the longer term, Australia being the most pertinent example. The right approach is to focus on continuously trying to make auto-enrolment legislation easier for all employers.

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Mark Dampier: Mark Barnett steps out of Woodford’s shadow

Mark Barnett of Invesco Perpetual is in high demand. As a manager of three open-ended funds, four investment trusts, and a number of other mandates, he is a busy man. Following Neil Woodford’s departure, Barnett took over management of Invesco Perpetual’s flagship income funds. Some may have viewed this as a poisoned chalice. However, with […]

Can robots really take over from face-to-face advisers?

The robo-advice market looks set to explode in the UK, with investment giant BlackRock and Hargreaves Lansdown among the firms developing low-cost offerings to plug the post-RDR advice gap. However, it remains unclear exactly how the growing market for technology-driven solutions will interact with traditional face-to-face advice. Will robo-advice complement advisers’ existing propositions, or does […]

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By Steve Webb, director of policy and external communications The ninth Royal London Policy Paper discusses how thousands of mothers are missing out on state pension rights when they don’t have to Earlier this month we published the ninth Royal London Policy Paper, entitled ‘Mothers Missing out on Millions’. It focuses on the thousands of mothers […]

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Trapped between expectations for near double-digit returns and strong apprehensions about investing in persistently volatile markets, investors worldwide are of the opinion that professional financial advice is worth the fee. But even though they believe individuals who work with a financial professional are more likely to achieve their goals, investors have a clear vision of […]

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There are 7 comments at the moment, we would love to hear your opinion too.

  1. AE designed by civil servants who refused to consult with the pension and payroll industry as they knew best!
    The problems foretold by the pension industry now coming to pass!
    The solutions now suggested by Government to solve the (foretold but ignored) mess are the ones suggested by the pension industry before the imposition of AE!
    Meanwhile the grief/ cost etc of this admin nightmare is spread round those who can least afford it and little of this expenditure is actually reflected in contribution benefit for members!!
    Keep banking your DB benefits ministers/ public servants, carry on being unaccountable for the chaos and bad decisions you make!
    You really couldn’t make this up could you!!

  2. I told you so, I told you so, I told you so. (And I’ll bet others did too).

    This whole benighted scheme was thought up with (presumably) the larger firms in view. They no doubt regarded it favourably as it meant that in most cases they could reduce their pension costs.

    As far as small and micro firms are concerned I strongly believe that the policymakers have no idea of the mind-set or circumstances of those who run these firms. As I have repeated till I am blue in the face, these organisations have enough to do taking care of the day job, without becoming an ex-officio government benefit agency.
    Many feel that they already fund for pensions via their employer and employee NI contributions. Many are just plain sick and tired of increasing government impositions and red tape into their business.

    I have two examples arising from enquires last year which I will repeat again as I think they illustrate the point.

    Case 1. An electrical contractor with 3 employees. He will now make them self-employed. He will rent them the equipment and vehicles and just take a cut from their receipts. In other words – a franchise operation.

    Case 2. A small printer with 2 employees. The owner was 63. He just decided to close the business – the employees will therefore be unemployed. Great result!

    As to TPR fining those who are in breach. What will this lead to for small firms? Insolvency and bankruptcy. The result – no pension and no jobs. What a great result.

    What the findings don’t clarify is that these small firms are not just unaware, they just don’t want to know – they are burying their heads in the sand.

    So what is to be done? What should have been done at outset. A grip should have been taken on the State Pension provision. Even if that means higher taxes. The UK now pays the most parsimonious State Pension in the OECD as measured by a percentage of average earnings. I’m not saying we should follow Greece – but there is a happy medium. Even the callous USA provides more generous retirement state benefits.

    What is needed is some practical and sensible thinking. Just wishing or threatening will not work. Harold Wilson tried something along the same lines called Selective Employment Tax. This contributed to higher unemployment and was dropped after a couple of years. AE is also an employment tax as far as many are concerned and in my view will also in the end lead to a rise in unemployment.

  3. Why would it not be possible to just set up a GPP or even individual personal pensions for 5 or less staff, with the employer contributing. This would keep the charges down and achieve a better end result.

  4. Me – 1 employee, brought forward staging date to 1/1/15 from 2017, in AE – Smart Pensions, job done. Simple as A, B, C. No charge to Employer, 0.75% of fund value charged to employee, diversified portfolio with L&G. All online process with Employee emails, letters etc., etc. I really cannot see what the problem is.

  5. Husband and wife business employing daughter. 3 SIPPs in place which cannot be QWPS so will have to go through the process of setting up and contributing to an AE scheme to opt out and maintain records etc….crazy…..and have been one of the micro ERs with a staging date advanced so having to start addressing this now. They cant believe what they have to do!!

  6. It’s fair to say that it’s the micro employers who face the real issues (as outlined above).

    The counter problem, however, is that it’s the employees of these firms which are most likely to benefit from the legislation.

    Whilst I cannot see an NI solution being implemented (as AE shifts the time/cost and responsibility to the business) it’s disappointing that providers (pension and payroll) haven’t made things much more straightforward and as a result there is now deemed to be a need to add fixed costs (which will penalise still further the micro firms).

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More Words

Definitions of insertion
n. - The act of inserting; as, the insertion of scions in stocks; the insertion of words or passages in writings. 2
n. - The condition or mode of being inserted or attached; as, the insertion of stamens in a calyx. 2
n. - That which is set in or inserted, especially a narrow strip of embroidered lace, muslin, or cambric. 2
n. - The point or part by which a muscle or tendon is attached to the part to be moved; -- in contradistinction to its origin. 2

The word "insertion" uses 9 letters: E I I N N O R S T.

No direct anagrams for insertion found in this word list.

Words formed by adding one letter before or after insertion (in bold), or to eiinnorst in any order:
d -   renditions   h -   ornithines   s -   insertions   t -   tretinoins   u -   reunionist

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James M. Clay, Principal

Jim focuses his practice on estate planning, probate and trust administration, family business succession and tax planning.  He works closely with couples and individuals to help structure estate plans to achieve the clients’ objectives in the most tax efficient manner possible.

Prior to joining Morrison Sund, Jim spent over 10 years with larger firms in Minneapolis focusing his practice on estate planning, estate and trust administration, and tax planning.

Jim has a master’s degree in taxation (LL.M) and has been enrolled to practice before the Internal Revenue Service since 1985.  His extensive tax background enables him to assist families, individuals and small business owners to develop and accomplish their estate planning goals, and to pass on family values in a manner that will minimize their exposure to federal and state taxes.  Jim earned his juris doctorate cum laude and his LL.M (Taxation) from the William Mitchell College of Law, and his bachelor of arts from St. Olaf College.

Jim is a frequent lecturer on advanced estate planning, tax and business succession planning topics.  He has taught numerous continuing legal education courses on estate planning, tax and related topics and often speaks to members of various civic organizations.  He is a member of the Minnesota State Bar Association’s Probate and Trust Law Section, and is actively working on legislative issues for the Association.

Jim designs and prepares estate planning documents such as wills, revocable trusts (living trusts), financial powers of attorney, health care directives (living wills), and beneficiary designations for life insurance and retirement plans.  He also works with people to plan and implement trusts for children or grandchildren, irrevocable life insurance trusts (ILITs), grantor retained annuity trusts (GRATs), qualified personal residence trusts (QPRTs), intentionally defective grantor trusts, installment sales, charitable remainder trusts (CRTs), charitable lead trusts (CLTs), family limited partnerships, limited liability companies, and buy-sell agreements.

Jim works with families and individuals to help them through the probate and estate settlement process, administer and resolve trust and estate disputes. In addition, he has extensive experience working with individuals and fiduciaries to resolve estate, gift and income tax disputes.

In his spare time, Jim likes to hunt and fish, spend time at the lake with his wife and two teenagers, and ride his bicycle.

Email: jclay@morrisonsund.com

Phone: (952) 252-2270

Fax: (952) 975-0058

Assistant: Randy Simmer

Assistant Phone: (952) 277-0124

Assistant Email: rsimmer@morrisonsund.com


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Specialist lending boom set to continue: IMLA

Specialist mortgage lending was £17bn in 2016, up 240 per cent from lows of £5bn in 2009, according to the Intermediary Mortgage Lenders Association.

A new IMLA report says specialist lending has grown 19 per cent every year since 2009.

The trade body’s report says it seems ” specialist lenders are now in a position of strength following the market’s turbulent past”.

The report adds this growth since the financial crisis is largely due to specialist lenders serving markets that have had less and less attention from mainstream lenders.

This is due to tougher regulation brought in post-crash that reduced mainstream lender appetite for non-standard loans.

IMLA’s report suggests the outlook for specialist lenders is positive.

The firm says market and economic conditions mean demand from non-standard borrowers is set to stay high.

This is partly due to the rising influence of brokers. IMLA says more brokers analysing the whole market means smaller lenders getting a better chance of competing.

Unmet demand

IMLA also suggests there is “substantial” unmet demand for specialist lending.

The trade body notes specialist lending levels are far below those of the pre-financial crisis era.

It also points out that the number of UK self-employed people has risen to 4.8 million people in the UK.

Meanwhile the number of county court judgements issued against consumers in England and Wales has hit record highs.

Both of these factors may restrict consumers’ access to mainstream lending in the future.

IMLA executive director Peter Williams says: “Through innovation and flexibility, combined with strong underwriting standards, specialist lenders have capitalised on the growing demand for products like specialist residential and lifetime mortgages.”

He adds: “There is strong evidence to suggest that specialist lenders can now break the cycle that has defined the segment in the past.

“The range of borrowers who qualify for a mortgage on standard mainstream terms will remain restricted, and the mortgage market is also becoming increasingly intermediated.”

Opinion piece: Specialists offer more protection

Specialist providers lend responsibly and underwrite manually, putting their customers in a strong position for when rates rise Despite the turbulent political climate the mortgage market remains resilient and extremely competitive, with many lenders announcing attractive headline rates. Borrowers are taking advantage of these deals and we are seeing more and more people borrowing larger […]

Doug Hall

Specialist Watch: Changing times for the self-employed

Self-employed borrowers have more options than ever but brokers need to know which lenders are most sympathetic The self-employed sector has undergone a transformation in recent years. Not only are there 4.8 million self-employed people compared to 3.8 million in 2008 but today self-employment is preferred by many of those beginning their career. The self-employed […]

The Mortgage Lenders forms partnership with Crystal Specialist Finance

The Mortgage Lender has added Crystal Specialist Finance to its network of distribution partners. The specialist distributor offers residential and commercial mortgages, bridging loans, second charge loans and development finance. Crystal Specialist Finance head of operations Kris Corns says: “We’re delighted to form this partnership with The Mortgage Lender and become a distribution partner. “Our […]

Doug Hall

Specialist Watch: Simplification assists CCJ holders

With some lenders no longer specifying an acceptable CCJ value, borrowers are finding more products available to them Pepper Homeloans sales director Rob Barnard recently shared some interesting facts about CCJs. He pointed to Registry Trust figures showing there were more CCJs registered against consumers in England and Wales last year than for any other […]

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YKos Gossip: FCC to Weigh in on Murdoch-WSJ Deal?

FCC Commmissioner Michael Copps told Yearly Kossacks this afternoon (at a session organized by our friends at Free Press) that he wants the FCC to review the sale of the Wall Street Journal to Rupert Murdoch. Murdoch’s NewsCorp has several relicensing applications currently in front of the FCC, so Copps figures it’s a good time to take a look at what legal authority the agency has to weigh in on the deal, and do their duty to protect the public interest.

Most of Copps’ talk had to do with how corporate influence over U.S. telecom policy has put this country way behind others in broadband penetration (not to mention speed). He mentioned that a recent report by the International Telegraphic Union (the U.N. agency that deals with telecom and communications matters) puts the U.S. behind Estonia and tied with Slovenia in broadband penetration.

— Steve Katz

Mother Jones was founded as a nonprofit in 1976 because we knew corporations and the wealthy wouldn’t fund the type of hard-hitting journalism we set out to do.

Today, reader support makes up about two-thirds of our budget, allows us to dig deep on stories that matter, and lets us keep our reporting free for everyone. If you value what you get from Mother Jones, please join us with a tax-deductible donation so we can keep on doing the type of journalism that 2018 demands.

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Q&A: Lincoln Chafee

Lincoln Chafee, former Republican senator from Rhode Island, on when he realized he couldn’t get behind Dick Cheney.

Mother Jones: Your book, Against the Tide: How a Compliant Congress Empowered a Reckless President, lays out a pretty progressive personal doctrine. You’re for affirmative action. You’re for abortion rights. You’re for gun control. You’re for the environment. You’re against the Iraq War. What made you think of yourself as a Republican when you started out in public life?

Lincoln Chafee: Well, I saw the Republican Party change over my lifetime. I was born in 1953, so that’s the Eisenhower administration. And there was a whole crew of Republican governors who were popular in the ’60s: Scranton, Rockefeller, and so on. This was a new generation of Republicans, we assumed. Then Goldwater won the nomination in 1964 and the party started to change. Nixon won in ’68. Reagan then came along. The party in my lifetime changed most significantly in watching the South change from solid Democrat to solid Republican. [As a result,] you saw the issues change.

I remember my Republican Party as fiscally conservative, as caring about the environment. [As caring about] personal liberties, which include a woman’s right to take personal positions for herself and the right of same-sex people to marry. That’s a liberty that my old Republican Party wouldn’t have cared about. And fear of foreign entanglements. Those conservative Republican principles have changed in my lifetime. Now it’s the social issues. Now it’s different priorities.

MJ: In the beginning of your book you write that Dick Cheney articulated a very partisan conservative agenda to you and to other moderate Republicans the day that the Supreme Court decided Bush v. Gore. Do you think the Bush administration in 2000 was intentionally misleading the public when it said Bush was a “uniter not a divider,” or was there some sort of change?

LC: They had—we know now in retrospect—the philosophy of say anything to get elected. And they knew that slogan would resonate, as indeed it did.

MJ: People were frustrated by gridlock in the Republican Congress.

LC: Manifested by all the Republican incumbent losses in 2000, resulting in a 50-50 Senate. Slade Gordon lost. Rod Grams in Minnesota lost. Spencer Abraham in Michigan lost. John Ashcroft in Missouri lost. Bill Roth in Delaware lost. These are all Republican incumbents who lost in 2000. That’s a statement by the American people.

MJ: When Cheney had that lunch meeting with moderate Republican senators and basically blew off your priorities, was that when you kind of got the sense that you no longer fit in the Republican Party? Was it as early as 2000?

LC: Yes, that lunch was very, very, very significant in several ways. One was that he declared at that lunch that “never mind what we said; we’re going to do something different.” And the other was that my fellow moderates weren’t going to make a stand. I saw that at that lunch. That they were not going to fight. Thirdly, it was the vice president making these proclamations. That was significant. Not the president. It was the vice president making these radical proclamations. So I was on my guard. I went back to my office and wrote him a letter right away. I think I quoted it in the book. I went right on record.

LC: But it was eight years until you officially left the Republican Party. What made you stick it out?

MJ: Well, that’s the question I probably get most often. I was in a no-win situation. Republicans were in control of the House, the Senate, and the White House for all those years except for the brief time when Jeffords switched parties. I was in the no-win situation of having to look after Rhode Island, my home state. And there is retribution. Jeffords lost his dairy compact when Republicans came back into power.

MJ: You were fearful that Rhode Islanders would get the short end of the stick if you left the Republican Party?

LC: Oh, there’s no doubt. There’s no doubt.

MJ: And did you ever consider switching in 2006, right before you ran for reelection and lost? Or dropping the Republican tag and running as an Independent maybe a month before the election? Do you think it would have helped your chances of winning?

LC: I’ll tell you when I considered it. In November of 2004 when I was watching Ohio come in Bush/Cheney. At that moment, at that very moment two years before my election I clearly saw the difficulty I would have winning in ’06 and I was considering my options. Do I run as a Democrat? Do I run as an Independent? Let’s see, the highway bill was coming up, which comes up every six years, and I was on the Environment and Public Works Committee, a key committee that allocates the money. In the majority party, as a Republican, I could help Rhode Island. Same with the Base Realignment and Closure bill, the BRAC, which comes up every 10 years. I was just in a no-win situation. And I could clearly see it as I sat in front of the TV watching Ohio come in.

MJ: Right now you officially carry the tag of Independent, right?

LC: Yes.

MJ: If you were in Congress today do you think you would caucus with the Democrats? Today do you have more in common with the Democratic than the Republican Party?

LC: Yes.

MJ: You write in the book that if you had known what Bush would do with the country you would have raised your voice to contest the Bush/Gore electoral vote in the Senate back in 2000. What do you think will be the long-term effects of this presidency?

LC: They’re just immeasurable, the long-term effects. The surplus is gone. And such hard work—I mean decades of work went into creating the surplus. Back to Gramm-Rudman in the ’80s. And George H.W. Bush going back on “Read my lips. No new taxes.” He had to go back on that to address these deficits. And that’s a tremendous amount of work.

Probably bigger than anything, however, is our loss of credibility. That’s going to be the hardest to repair. We just don’t have any credibility anymore. And the Bush/Cheney philosophy. Do anything to get elected. The ends justify the means. I’m not the only one saying it now. It’s common knowledge. The whole Valerie Plame thing. Weapons of mass destruction. There’s just no credibility.

MJ: How do you think we can get that credibility back? Can we?

LC: It starts with being consistent. You just consistently tell the truth. And that’s how you regain the trust. Trust is built with consistency. I firmly believe that.

MJ: You write that when Cheney wanted you to vote his way on a bill he took what you describe as an “I talk, you listen” approach. Do you think the administration respected Congress at all and the constitutional role it has in government?

LC: Absolutely not. And that Cheney lunch, here he was meeting with the five moderates in a 50-50 Senate and he was willing to go to battle with us and test us. And my question, when I finally got a chance as a junior member, was “Our votes are important, Mr. Vice President Elect.” And he said, “Every vote is important.” In other words, “Well, if I lose you I’ll go get a Zell Miller. If I lose Olympia Snow I’ll go get a Ben Nelson or a John Barrow. We’ll turn up the heat on them.” That was the thinking. Just contempt for Congress. And we didn’t push back. It was just the schoolyard bully. It was exactly like that. And all you need to do is stand up right away. And it should have happened right at that lunch.

MJ: How would you describe how the next administration ought to interact with Congress or how it ought to treat Congress?

LC: Good question. Depends. Depends on the Congress you’re dealing with. I was a Republican mayor with a very, very heavily Democratic city council. We had a nine-member city council. Seven-to-two my whole time. I had to work with the Democrats. We had two-year elections in my city and I was the first Republican in thirty years. They were always after me. A lot of the decisions on the city council were politically motivated and designed to embarrass me. So it took some compromise. I had to fund some of their projects. I didn’t want to waste the taxpayers’ money but it had to be done to get certain things through the council. Personal relationships are so important, too. You build some friendships. Reagan did it with Tip O’Neil.

MJ: You describe going to the CIA before the Iraq War vote and finding out that they had nothing to convince you that Iraq had the WMD that the administration was claiming it had. Why do you think Congress and to some extent the press were so willing to buy in to the administration’s line on the war?

LC: That’s a question historians are going to ponder for years and years. And I think a lot of it had to do with the anger of the American people. I mean, I’ve just never seen anything like it. I mean understandably, the two towers. People jumping out of 100-story windows. And then down they came. The two towers in a huge ball of flame and debris. There’s nothing more dramatic. Remember the Dixie Chicks? They made some offhand comment about how they were embarrassed to be from Texas. And then the uproar. That was the climate. The huge anger. Anger’s not a good emotion.

MJ: Do you think Congress has a role to play to stand up to or to check the popular sentiment at a time like that?

LC: Absolutely. The founding fathers clearly foresaw this. And that’s why they gave the Senate a six-year term. Two-thirds of us are not up at any given time. Only a third of us are up. They clearly set up the Senate as a more deliberative body that was designed to step back from the emotional moments. It just didn’t work. And I’ve tried to understand why the people didn’t work, didn’t do their jobs at this critical moment in American history.

MJ: Do you think the next administration will give back some of the executive powers that the Bush administration has grabbed for itself? Do you think that any administration, Democrat or Republican, will willingly give back powers to Congress?

LC: You know, that was the danger all along. Republicans would mutter amongst themselves—they always talked about it as Hilary Clinton. “Wait until she becomes president, then she’ll have these powers. We’re starting something we might regret.” I can hear my colleagues muttering about that. Signing statements and the like.

MJ: Is the reason you endorsed Barack Obama because he opposed the war and John McCain was for it, or were there other reasons as well?

LC: That was the primary reason for my decision. There’s no way I could support anybody who voted for the war.

MJ: What if it had been John McCain versus Hilary Clinton, both of whom voted for the war?

LC: I wrote in President George H.W. Bush in ’04. And that’s an option. My last chapter talks about the need for another party. I submitted the manuscript before the Obama campaign took off. I think Obama’s candidacy has fulfilled what has been missing in America. Somebody from the progressive side to stand up for what America should be and what many of us want it to be.

MJ: Do you plan on campaigning for Obama, if asked?

LC: Yes. Anything they want, I’ll do.

MJ: You met with Hugo Chavez and you describe it in the book. Do you want to weigh in on this foreign policy debate about the wisdom of meeting with enemies that puts Obama on one side and McCain on the other?

LC: Absolutely. Who is second in military might in the world? Who is second? Nobody knows. There is no second. Why do we have this paranoia? We should be a strong, confident country. Confident in our ability to assess the person who might be sitting across the table from us and deal from strength and confidence. I remember Eisenhower meeting with Khrushchev. Nixon meeting with Mao. Reagan meeting with Gorbachev. There wasn’t a big paranoia associated with it. And then all of a sudden we’re going to be taken advantage of? By someone like the president of Iran?

Mother Jones was founded as a nonprofit in 1976 because we knew corporations and the wealthy wouldn’t fund the type of hard-hitting journalism we set out to do.

Today, reader support makes up about two-thirds of our budget, allows us to dig deep on stories that matter, and lets us keep our reporting free for everyone. If you value what you get from Mother Jones, please join us with a tax-deductible donation so we can keep on doing the type of journalism that 2018 demands.

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Welcome to mBlog
Photographic film's prices go... up! Fujufilm decided to increase its prices!
Posted by Michal
April 25, 2012, at 1:51 AM

We would rather expect photographic film's prices to go down, not up, but Fujifilm announced that it will implement a worldwide price increase for its photographic films. We can expect that others will follow. It might seem to be against economic law, but the price increases are the result of continuously decreasing demand. The increase will be double digit, but will vary depending on products, markets and regions.

It will apply to such photographic films as color negative films, color reversal films, black and white films, and quick snap. The increase is effective from May 2012.

Prices are also influenced by yen's appreciation and the cost of production, such as raw materials, oil and energy, that continues to rise or stay at high level. Under such circumstances Fujifilm is unable to absorb these costs during the production process and is forced to pass on price increases. The company takes this steps in order to sustain its photo imaging business.

Is it over for photographic film, or is there still hope?

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Through the rain the locals shine - Silk Way Rally

Story by Robb Pritchard, Photos by Marian Chytka

Moscow to Gelendzhik. Unless you have a Masters in Russian geography that might not mean too much to you. Yet if you are a rally-raid driver ready to take on the wilds of the Russian wilderness you know that it's the 3700km route of the 2012 Silk Way Rally, an event that has gone from strength to strength over the past few years.

For its fourth edition a grand total of 132 crews in car and truck categories lined up for the ceremonial start in Red Square ready for the 2083km of special sections that would take them to the Black Sea. But it wasn't on the ground that the story of the race was written, it was shaped by what fell from the skies. Maybe you heard on the international news about the devastating flash floods that struck the Krasnodor region killing some 170 people. Well, that was very close to the route of the rally and many sections were rendered impassable forcing the organizers to hastily cut whole sections out.

For one the most bizarre of reasons I've ever heard the X-Raid team pulled out at the last minute. Apparently they'd fitted the wrong air filter during testing and the ingested dust had damaged the engines. Well, when VW left the Dakar it opened the race up to one of the most enthralling battles we've seen in a long time, and the same happened to the Silk Way, with local hero Boris Gadasin / Dan Shchemel in their brutal G-Force Proto taking the first stage ahead of the legendary Jean-Louis Schlesser.

Jean-Louis Schlesser on the first stage
Jean-Louis Schlesser on the first stage

Photo by: Marian Chytka

Gadasin's first Silk Way ended in a spectacular roll, 12 times end over end, the second time the engine blew, so this time, standing at the top of the leaderboard, he was hoping that his luck had changed. Other names in the Top 10 were the semi-works Toyota Overdrive teams of Lucio Alverez / Bernardo Graue and Jerome Pelichet / Xavier Panser, the friendly Germans Mattihas Kahle / Dr Thomas Schueneman in their stunning SAM Mercedes, ex-WRC star Tony Gardermiester tackling his first ever rally-raid and Dakar regulars (and ex-Enduro World Champion and Le Mans racer) Christian Levielle in his stunning Proto Dessoude and team mate Frederic Chavigny.

But the next day there was a shock. Rumours came in from the loop stage across the sandy savanna that Schlesser had crashed. I've been following rally-raid for a few years now and in all that time if there is a man who has never made a mistake it is the venerable Frenchman, but when the full story came in we learned that it was more of a freak accident than a mistake. The hood came loose so they stopped to take it off but couldn't because of the screws... so they carried on. But when it finally worked itself free it jammed one of the rear wheels and flipped the car over. It wasn't a hard crash as the fact that his co-driver driving it back to camp testified but two of Schlesser's fingers were deeply cut and he was flown straight to France for surgery. Everyone here at MarathonRally wishes him a quick recovery!

Another man seeming out of luck was Gadasin as fuel pump problems slowed him down so much that Lavielle took the stage win as well as the overall lead. Although, the undisputed hero of the day's 309km stage was Gadasin's team mate Vladimir Vasiliev. The first stage found him needing to wait for his T4 service truck yet even with starting in 95th place he still managed to take 2nd. “I passed more than 50 vehicles but I really liked today's tracks,” he smiled.

Some had an easier time than others
Some had an easier time than others

Photo by: Marian Chytka

The torrential rains washed away parts of the third stage from Volgograd to Elista. So instead of 485km it was shortened to 375km, still a huge stage compared to any other event. The top teams from yesterday's test were unknowingly given a huge advantage... the cars and trucks are run together so the cars having to follow the leading KAMAZ and Ivecos had to pass through the mess that the 16 ton, 850bhp monsters on 50 inch tyres had made and there were a lot of people out with spades and tow ropes on the wide open grassland steppes!

One of those struggling was Gadasin who with a radiator full of mud had issues with over heating. Lavielle took his second straight victory to extend his lead while Vasiliev took another second, this time without having 50 mobile chicanes to navigate. And despite it only being his first full year behind the wheel of a full-blooded rally-raid car the Russian showed again what he is capable of by winning the 4th stage the massive 506km loop around Elista across the steppe and through the dunes. “I had fun. I am very happy with the stage victory and tomorrow I want to win again, so I will attack!” he said. And no one wins a 500km plus stage by accident. To deal with the constant surface changes and even weather changes that such a distance inevitably entails and be the quickest takes a skill that few posses. I have said it before over the last year – watch this guy in the near future!

With the final stage cancelled because it ran too close to the flooded disaster zone near Krasnodar the stage was set for the final showdown, a rain-shortened 348km to decide that race. Lavielle 12 minutes ahead seemed safe but Pelichet was only 3 minutes ahead of the determined Gadasin... and second was firmly in the sights of the determined G-Force team boss. But yet again cruel luck seemed to fall when he had to stop to change a break disk. “We lost about 20 minutes but incredibly all the time we were stopped we didn't see another car... so when we started again I gave it everything I could because I knew we had a chance to win!”

Jerome Pelichet in the dunes
Jerome Pelichet in the dunes

Photo by: Marian Chytka

Pelichet's race ended with a broken rear axle while Lavielle's demise came a little more painfully protracted when the air compressor bearing broke cutting the belt to the alternator. “We tried to keep going. We had 3 spare belts in the car but they all broke. To get to the finish we had to have the help of Thierry Magnaldi who charged out battery every 50km...” he shrugged at the end, obviously gutted.

And so Gadasin's luck finally changed for the better. I remember when a 2 euro fuel filter cost him the Baja World Cup and so the 2012 Silk Way was a very deserved win. I am sure that journalists should be impartial but G-Force really are the nicest team you can meet. In every camp I have been welcomed in, they've driven me into stages to take photos, taken me to dinner just so I can have time for an interview and their assistant-manager Marina is one of the sweetest girls I have ever met. So from me, well done to everyone at G-Force!

But although Gadasin might have been first through the final time control he was late getting on the podium. The organizers kept calling him up, but there was a delay. Some nerves were frayed but the reason was that Schlesser had just called him from Monaco to offer his congratulations. Message to the organizers; the champagne can wait when Jean-Louis is on the phone!

Second overall went to an equally delighted Balazs Szalay in his big Opel Antara who also won the last stage. “It was unexpected; I never thought it could end up this well. I have been waiting for a good result for such a long time. I am very pleased with this second place and with my first stage win!” said the jovial Hungarian.

Third went to the equally delighted Czech driver Miroslav Zapletal in his Hummer H3. “This is the third time I take part of the Silk Way Rally and I haven’t finished the last two times. It is a great deal for me to cross the finish line of this magnificent rally. The surprising result makes it more than fantastic.”

1. Boris Gadasin / Dan Shchemel G-Force Proto 20:03:42
2. Balazs Szalay / Lazlo Bunkoczi Opel Dakar Team 20:07:17
3. Miroslav Zapletel / Rafel Marton Offroadsport Hummer H3 20:14:17
4. Lucio Alvarez / Bernardo Graue Overdrive Toyota 20:31:55
5. Christian Lavielle / Pascal Larroque Dessoude Proto 21:19:07

Like the photos? Please visit Marian Chytka's facebook page:

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About this article
Series Cross-Country Rally
Drivers Jean-Louis Schlesser , Pascal Larroque , Thierry Magnaldi , Miroslav Zapletal , Frédéric Chavigny , Balazs Szalay , Lucio Alvarez , Boris Gadasin , Bernardo Graue , Jerome Pelichet
Article type Special feature
Tags ccr, chytka, pritchard, russia, silk way rally


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SAN ANGELO — Polygamist sect leader Warren Jeffs has fired his attorney mere hours after hiring him, saying he'd like more time to find appropriate counsel.

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