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Council Information

Ethics and Financial Services
By Neil R. G. Young, CLU, ChFC

A sense of ethics or as some describe it, a "moral compass," is something we all assume is hardwired in each of us. Yet every day, financial planners and investment and insurance professionals find themselves mired in ethics-related issues that can result in fines, loss of credibility, being barred from doing business and possibly even jail time.
There have always been unethical people and people have been cheating each other since the first deal was made over a campfire before the wheel was invented. However, there was always the sense that "this just wasn't done" and people who violated ethical standards were avoided.
Most people don't start out thinking they will violate ethical standards, but because of either greed, fear of consequences, or a simple ignorance of regulations, they make an error or omit something that gets them in trouble. An understanding of ethics has evolved from "doing the right thing" to a matter of professional survival in an era of complex regulations, multi-tasking and easily disappointed, litigious clients.
I would submit that Greed, Fear and Ignorance are the Big Three when it comes to ethics violations. There are others, of course, but of all the cases I've seen, these three are the prime movers.
Let's talk about each of these and how they can get us in trouble.
Greed - I've never met anyone who admitted to being greedy. However, Greed's sidekick is Rationalization. I don't think I need to say anymore about this. Greed stands in the background, smiling while Rationalization does all the dirty work.
Misrepresenting the investment or life insurance policy is probably the leading result of greed taking over. Life Settlements, the practice of hypothecating or selling an unwanted life insurance policy with large a death benefit (and commensurate broker commissions) to a group of investors, has come to the fore lately. Life insurance companies are concerned and now ask a question on the application asking if the owner intends to sell the policy. If the answer is "Yes," the underwriters will not issue the policy. I recently saw a case where a broker sold a policy touting the benefits of selling the policy later as a Life Settlement and then checked "No" to the question in order to get the policy issued. The owner then decided to sell the policy several years later and found out there was no market. The broker now has to scramble, trying to get the policy rescinded and the client his money back, which probably won't happen.
Fear - Every action has a consequence and fear of the consequence can be a motivator for good or bad. When you make a mistake, you can do one of two things: admit your mistake, face the consequences and try to rectify the situation or cover it up, which eventually leads to fraud. Usually, the cover-up begins with a lie - telling someone you never received an e-mail or changing the date on a document. Once you've started down that path, you will eventually have to confess or be caught. Or worse yet, you might get away with it, forming a callous on your conscience.
One example of how Fear can get financial services professionals in trouble involves trying to make the client whole when there is a loss because of misrepresentation or ignorance. Usually this involves new, inexperienced financial services professionals and relatively small sums of money. The financial services professional tells the client not to worry, that the client will be made whole and then writes a check for the assumed loss and compounding the problem, doesn't report it to the Broker/Dealer. This is illegal and could end up in fines and being barred from the business. If a client complains about losing money and demands satisfaction, it must be reported to the Compliance Officer. If any reimbursement is authorized, it is paid by the Broker/Dealer and comes out of the financial services professional’s commission account.
Ignorance - The Financial Services profession is a complicated maze of rules and regulations that gets more complicated and convoluted every day. Money Laundering has become a huge issue in recent years and often inexperienced financial services professionals are the marks. Money Laundering is how terrorists and drug cartels make their ill-gotten gains "clean." Their tactics are sophisticated and are aimed at the greed factor of the professional. Financial services professionals are required to take Anti-Money Laundering courses each year, and that's a good thing because terrorists and drug dealers are constantly coming up with new strategies as tried-and-true methods are identified. The basic self-protection rule for a financial services professional is "Know Your Customer.” Ask a lot of questions before you take the order and if it doesn't smell right, you can never go wrong by talking to your Compliance Officer.
A sense of Ethics may be hardwired into your conscience, but it is still a good idea to continually study the subject and analyze case studies because sooner or later through study or CE courses, you will come across something and you will say to yourself, "I didn't know that!" It could save your career.
Mr. Young is President of Young & Company, LLC and a Member of the Baltimore Estate Planning Council.
If you would like to comment on this article please forward your remarks to   Your comments will be reviewed by the Ethics Committee and posted on this site.


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Build brigade to erect home in Havre de Grace for injured vet

Army Medic SSG Kelly Keck suffered a severe hand injury and lost his right leg while serving his first deployment to Afghanistan when an anti-personnel mine exploded Sept. 13, 2008. It was only through quick thinking on the part of Keck, who directed his platoon sergeant in treating his wounds, that he didn't lose his life.

When Keck returned home from Walter Reed Medical Center, however, he found that while he hadn't lost his life, he had lost much of his freedom. Living in a house not designed for the injured turned simple tasks, such as entering and leaving his home, into real challenges. Then, Keck learned about Homes for Our Troops, a national non-profit that builds homes for service members injured in combat operations.

The Build Brigade for SSG Kelly Keck has been scheduled for June 15-17 with opening ceremonies scheduled for Friday, June 15, at the home site at 3406 Old Level Road. Those interested in participating or visiting the location are being asked to park at the Level Firehouse at 3633 Level Village Road because Old Level Road will be closed throughout the weekend because of limited parking. Shuttles will be provided throughout the weekend for volunteer transportation.

Keck successfully applied to Homes for Our Troops and also received a Veterans Administration Specially Adapted Housing Grant. Now, the national nonprofit organization Homes for Our Troops is planning to build a house designed to accommodate Keck's needs and comfortably house him, his wife and their daughter – all at no cost to Keck.

The foundation for the house was poured and prepared during the week of June 6. Homes for Our Troops will be holding a three-day "build brigade" from June 15-17 in Havre de Grace. During those three days, volunteers will frame, side and roof the house, as well as install doors and windows. The interior and finishing work of the house will be completed in the months that follow.

Homes for Our Troops has built more than 100 homes for service members permanently disabled in combat operations since the Sept. 11, 2001 terrorist attacks. The homes are financed by individual and corporate donations of funds and building materials and constructed with the aid of volunteers. Information on volunteering for Homes for Our Troops is available at

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Fishing: From wait list to winner

Has Ben Dziwulski, a senior at North Carolina State University, got a fishing tale to tell. The 2008 Glenelg graduate is a member of NC State's fishing team — the BassPack.

Dziwulski and his fishing partner, Ethan Cox, wanted to fish in the 2012 BoatUS Collegiate Bass Fishing Championships, but BassPack already had two teams entered.

"Two weeks before the tournament, we were 19th on the waiting list," said Dziwulski.

It didn't look good, but a week before the start of the tournament Dziwulski and Cox learned that they got in.

Because of the late notification, they were unable to get information about the lake they would be fishing, Lake Pickwick, in Florence, Ala. The timeframe when they could gather information had passed.

"We had to figure it out for ourselves," Dziwulski said. "We had to use our knowledge. … The key is to figure out the whole season pattern."

In the spring, bass move to the shallow areas to spawn. After the eggs hatch, they move to deeper water, which is cooler and has more oxygen.

"With summer approaching, they thought they would find the fish somewhere in between.

"Most of the people thought that the fish were out deep. That's where the other 180 boats were - out deep and in the classic areas," Dziwulski said.

The tournament, which ran from May 21-25 and is the biggest college tournament in the nation, consisted of three practice days and two tournament days.

Early in the practice sessions, Dziwulski and Cox found four really good fishing spots that followed an old creek bed.

"We found a magical little area that fortunately the other guys didn't find," Dziwulski said.

The two didn't even fish the entire first day. "When we thought we had enough fish to put us in contention, we stopped fishing," Dziwulski said. "It's rare, but it was a good move."

In the competition, fishermen can only have five fish in their boat at one time. The fish are kept in a live well, a fish tank with an aerator and at the end of the day each boat's catch is weighed and then released.

"Every single fish we caught, swam away," Dziwulski said.

On the tournament's second day, he and Cox "fished like there was no tomorrow. We unloaded on them."

Over the two-day period, the pair hauled in 45.6 pounds of bass, both largemouth and smallmouth, to win the competition by over four pounds over Tennessee Tech's second place team.

"Over 180 boats and we were able to come in first by more than four pounds, which is a lot," Dziwulski said.

Their victory gave North Carolina State its third national championship. The BassPack also won the BoatUS tournament in 2006. In 2009 they won a different national tournament.

"We're the only school that has three national championships. Florida has two and everyone else has one," Dziwulski said.

The BassPack pair won $8,000 for their efforts. Some of the money goes to the team and some they get to keep.

The victory also has Dziwulski rethinking what he wants to do after he graduates in December with a degree in agricultural business management. He has been working as a trainer at a Cross Fit gym and he figured that would be his full-time job with a little fishing on the side. Now, he's thinking of trying professional fishing.

"This tournament (victory) came at a good time. As long as I can get some paying sponsors, I might be able to make a run at fishing in the professional ranks," he said.

Dziwulski said he has been fishing since he was a toddler. "My grandfather taught my father and my father taught me," he said.

A football and basketball player at Glenelg, Dziwulski describes himself as competitive. "One day I was watching TV and I saw a professional bass tournament. I found out that you could compete and make a living fishing. ...It's always been a dream of mine. A chance opened up and God has laid it all out there for me."

The BoatUS Collegiate Bass Fishing Championships will be televised on NBC Sports in August.

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Shelly Sterling regarding Donald: 'I couldn't believe that was him'

Shelly Sterling testifies that when she heard Donald's racial remarks, 'I couldn't believe that was him.'

When asked at the beginning of her testimony on Wednesday if she was separated from her husband Donald, Shelly Sterling chuckled and said, “Sort of.”

It was a day of contradictions for the couple, who went from loving to fiery in a matter of minutes. It culminated at the end of Shelly’s testimony, when she walked over to her husband and Donald snarled at her, “Get away from me, you pig!”

In her testimony, Shelly recounted her side of the falling out that occurred after a recording of Donald’s racially charged comments to a female friend of his had been released. Shelly said that after the recording was released, she flew to New York to meet with NBA Commissioner Adam Silver. On that trip, Donald went on CNN for an interview with Anderson Cooper. The now-famous video showed a side of her husband that Shelly didn’t recognize.

“I couldn’t believe it and I started crying,” she testified. “I felt so bad. I couldn’t believe that was him.”

After that interview aired, a friend of Shelly’s told her that she needed to get Donald tested for Alzheimer’s disease. That conversation turned into doctor’s visits, the results of which are being argued in Los Angeles Superior Court this week.

Shelly said on Wednesday that she still loves and cares about her husband. She’s his primary caretaker, the one who schedules appointments, picks up medications and sorts through his pills. Throughout the testimony, she maintained that whatever actions she took with doctors was out of love.

“I thought for his own health and for my health he had to be tested, because there’s something wrong,” she testified. “He’s been getting more forgetful.  He’s slurring his words. He’s agitated a lot. He gets mad for no particular reason. He’s just not the same person that he used to be.”

Due to time constraints, Shelly’s examination was cut short on Wednesday. Along with the cross-examination, her examination will continue Thursday at 1:30 pm.

Love, it seems, will almost certainly be on the docket.

Follow Everett Cook on Twitter @everettcook

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Blast goalie William Vanzela will play in second game of MISL final

Blast goalkeeper William Vanzela, who sat out Friday night's first game of the Major Indoor Soccer League championship series at Missouri due to a nagging elbow injury, will return to the net when the series continues in Baltimore on Sunday.

The defending league champion Blast lost, 15-8, to the Comets and will have to win the second game — set for 5:05 p.m. at Baltimore Arena — to force a deciding, 15-minute mini game in a bid to reclaim its league title.

Vanzela, who was named the MISL Goalkeeper of the Year last week, has a 5.57 points-against average and .833 save percentage — both league bests by a wide margin.

He suffered the injury in the first semifinal game against Syracuse this month, but played the remainder of the series. The Blast lost the second game, but advanced to the final with a 4-3 win in the deciding mini game.

"While he played a good second game, there was some feeling that a couple of the goals were due to his problem with his elbow," Blast general manager Kevin Healey said. "So, we just thought it would be best to have a healthy William on Sunday, and we think the extra couple days of rest will have him ready to go."

Backup goalie Troy Hernandez made 15 saves in Friday's loss, but it will be up to Vanzela on Sunday.

"William is an important part of what we do," Healey said. "He's an emotional leader for us, and we looking forward to have him back on the field."

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Arcadia - Never a dull moment

For a short while Simon Le Bon, Nick Rhodes and Roger Taylor of Duran Duran had some time on their hands, so they formed the occasional formation Arcadia (in fact a previous project), that in the end made no more than one album. ‘So Red the Rose’ was successful nevertheless.

Arcadia band name origins - Nicolas Poussin - Les bergers d’ArcadieTwo paintings of French artist Nicolas Poussin, dedicated to ‘Les bergers d’Arcadie’ (the Arcadian shepherds) provided the idea for the group and project name. The canvases display among others a tomb on which the ambiguous Latin inscription ‘Et in Arcadia ego’ is discernible. The translation probably is something like ‘even in Arcadia I exist’ (there is life after death!), or, a bit less dramatic: ‘the person buried in this tomb lived in Arcadia’.

Active: 1985-1986, GBR

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November 1, 2014

Winter 2014-2015 Cooking Classes

My upcoming classes include a couple of Girls' Night Out demo classes on December 20 and February 21. The first is a champagne-laced feast that features seared scallops with risotto and white chocolate cupcakes. The latter is an Italian-inspired meal with shrimp scampi and limoncello tiramisù.

I also have several Date Night for Couples classes, including a chili cook-off on January 25 and a beer pairing class on March 29. Once again, I'm throwing an Ultimate Cocktail Party on December 21 with a couple drinks and several appetizers.

My Valentine's Day class will be held on February 7 and feature lobster bisque and fresh linguine with lobster arrabbiata sauce.

I'm also teaching my popular Harry Potter kids' cooking class on January 4 and March 15.

Below is my schedule through March. To register, call Kitchen Conservatory at 314-862-2665 or register online.

  • Discover authentic Croatian cuisine from the coast to the continent, as I share my grandmother's recipes. You will learn to create cevapcici - lamb meatballs with an eggplant-pepper relish (ajvar), brodet - fish stew with shrimp and mussels and cod, sarma - cabbage rolls stuffed with beef and pork and rice in a tomato sauce, blitva - sautéed potatoes and Swiss chard, plus potica - sweet walnut rolls.
SUPPER BOWL SUNDAY - November 16 @ 12:30-3:00 (hands-on)
  • Join me in the kitchen to create four steaming pots of soup: andouille and corn chowder, creamy butternut squash and ginger soup, egg drop soup with homemade pressure cooker chicken stock, lamb minestrone, plus quick and easy yeast-risen baguettes.
DATE NIGHT FOR COUPLES: SUSHI U FOR TWO - November 30 @ 5:00-7:30 OR March 7 @ 6:00-8:30 (hands-on)
  • This menu includes tempura-fried shrimp rolls, sesame tuna hand rolls, smoked eel rolls, spicy scallop rolls, hot-smoked salmon rolls with mango and jalapeño, plus ginger-peach green tea ice cream - all served with cold beer.
GIRLS' NIGHT OUT: BUBBLES! - December 20 @ 6:30-9:00 (demonstration)
  • Who doesn't love the sound of a popping champagne cork? Celebrate the season as I make pomegranate champagne punch, pear and endive salad with gorgonzola and a champagne vinaigrette, seared scallops in champagne-mushroom sauce, champagne risotto, plus white chocolate cupcakes with champagne buttercream frosting.
DATE NIGHT FOR COUPLES: THE ULTIMATE COCKTAIL PARTY  - December 21 @ 5:00-7:30 (hands-on)
  • In the midst of a festive holiday season, we will mix up cranberry-champagne sangria and gingersnap-apple vodka martinis. Then learn to create a dazzling spread of roasted five-spice cashews, baked cheddar coins with pecan-pepper jelly, caramelized onion bread topped with olives and anchovies, smoked shrimp with cilantro-lime yogurt dipping sauce, plus homemade marshmallow s'more skewers.
DATE NIGHT FOR COUPLES: HIGH STEAKS - December 27 @ 6:30-9:00 (hands-on)
  • Menu includes bruschetta with winter fruit, brie & fennel-infused honey; smoked lentil salad with creamy Sriracha dressing; cedar-grilled flat iron steaks with cayenne-coffee rub; sweet potato and goat cheese "tater tots"; bacon-wrapped green beans with brown sugar and garlic butter; and salted caramel pots de crème.
DATE NIGHT FOR COUPLES: LIFE IS A CABERNET - January 3 @ 6:00-8:30 (hands on)
  • We'll prepare mushroom-red pepper salad with red wine-herb vinaigrette, oven-roasted beef tenderloin with roasted red grape wine sauce, homemade black pepper fettuccine with chardonnay cream sauce, plus fabulous flourless chocolate-red wine cake with rosemary ganache -- all enjoyed with a glass of cabernet wine.
HEIR AND A PARENT: WIZARDS IN THE KITCHEN - January 4 @ 1:00-3:30 OR March 15 @ 12:30-3:00 (hands on)
  • Attention all Muggles! Experience the world of Harry Potter and make magic in the kitchen as I help you prepare delightful dishes described throughout the J.K. Rowling series, including The Three Broomsticks' butterbeer, ham-and-cheese pasties from the Hogwarts house-elves, and Mrs. Weasley's potatoes with béchamel sauce. Before you apparate home, you'll make Aunt Petunia's individual berry-pudding trifles. This class is designed for children, at least 7 years of age, plus a parent.


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Youthful Joy

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23 comments on “Youthful Joy

  1. Cute pictures! I love your little pop up captions! How did you do that?!
    Amy @ Marvelous Mommy recently posted..5 Free Photoshop Actions! | WW LinkyMy Profile

  2. Nothing quite like sibling love and fun. Great photos.
    Rhonda @Laugh Quotes recently posted..Open Up to New Experiences – Participate In Local Life (AtoZ and WW *Linky)My Profile

  3. The boys look like they have so much fun playing among the rocks. Happy WW
    Dominique Goh@Dominique’s Desk recently posted..One, Two.. Cheeze!!!My Profile

  4. Joy is right!
    Joyce recently posted..#AtoZ & #WW: N for Naughty PicturesMy Profile

  5. Great pics!! Love that smurf hat! 🙂
    orangeheromama recently posted..#WordlessWednesday – Weekend away in #NiagaraFalls, w Linky!My Profile

  6. Looks like they had fun! Happy WW:)
    Joey recently posted..WW- My Front Garden Says “Spring Is Here”My Profile

  7. Such sweet and lovely pics!

  8. It almost looks like a good day in Central Park NYC!!
    Cathi recently posted..Wordless Wednesday – London Fire Blowing TubaMy Profile

  9. Fab photos. Where is it? my boys would love the climbing! xxx
    Louise recently posted..Sherwood Pines: Simply a great day out!My Profile

  10. Great pics – looks like a fab day out!
    playspotter recently posted..Kerby – The GalleryMy Profile

  11. Youth is all about fun to me too. Lovely pics x

  12. Lovely pictures! I like the captions. Thanks for hosting.
    Judy Haughton-James recently posted..Oh! April Morn! – Wordless Wednesday LinkyMy Profile

  13. Beth F on said:

    Looks like a fun day!

  14. Lovely pictures. There is nothing like children having fun, it is really a joy!
    Mother Goutte recently posted..“The golden locks of Youth” (Walter Scott)My Profile

  15. Those are some cool looking rocks!
    posh recently posted..#FREE APP, First Aid by American Red CrossMy Profile

  16. What lovely pictures xx
    Jaime Oliver recently posted..My YouthMy Profile

  17. That does look fun and it’s the perfect place for pictures. 🙂

  18. Lous Lake Views on said:

    Lovely pics of boys doing exactly what they ought to be doing, climbing and getting dirty!
    Lous Lake Views recently posted..The Gallery -YouthMy Profile

  19. lovely nice photos!!!
    natalie : Life as i know it recently posted..disturbed by joy not so wordless wednesdayMy Profile

  20. So glad you joined me for Wordless Wednesday Bloggers. More than 100 people partied with us! Thanks for linking up and don’t forget the Friday Flash Blog later this week.

    Jennifer recently posted..Bloggers Wanted for Awesome Microsoft Surface Pro Tablet GiveawayMy Profile

  21. Monica on said:

    Beautiful photos of a couple of handsome young men!
    Monica recently posted..The Blogging from A to Z Challenge 2013 – Road Trip! {Letter “P”}My Profile

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A large percentage of the adult population fail to visit a dentist on a regular basis, these people are frightened of the dentist or they suffer from dental anxiety. Everyone needs dental care, those that are uncomfortable no longer have to keep putting a visit to the dentist off until it becomes a real problem, a sedation dentist in Lincoln Park can put you at ease and provide a safe dental experience.

Sedation dentistry does not induce sleep:

Under certain circumstances a patient will be given general anesthesia which will render him or her unconscious. This is not the objective of minimal sedation dentistry. The sedatives that are used induce a feeling of calm and peace, they do not induce sleep. Of course you may feel a little sleepy when the procedure has been completed and the dentist has finished with you but this will wear off very quickly.

Minimal sedation dentistry is becoming very popular, a sedation dentist in Lincoln Park that prescribes to this approach uses oral and gas sedation. There are no IV needles to contend with which means there is no additional anxiety or pain. Nitrous Oxide and oral sedatives work so well that the greatest majority of patients cannot even recall anything that the dentist did, and yet they are awake and can follow any directions the dentist gives.

It starts before treatment:

If you have a fear of needles then minimal sedation dentistry is the ideal solution. The dentist will give you a tablet prior to your getting in the treatment chair. You will not fall asleep but your senses will be dulled, dulled to the point that you probably won’t have any memory of what went on. There are a number of real benefits to going to a sedation dentist in Lincoln Park; no real side effects, the dentist can accomplish more during the appointment and you can still drive shortly after you are finished.

If you fear a dentist, and may people do, then you should visit a sedation dentist in Lincoln Park. Dr. Tomaselli at Chicago Smile Design has help thousands of patients overcome their fears and anxiety of a visit to the dentist.


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Not every service repair garage is the same and an individual should only trust a quality Vehicle Repair Services in Omaha NE to perform the work that they need. A reputable garage should guarantee their work and use the best parts on the market to repair a vehicle. Obtaining an estimate for the repairs shouldn’t be a hassle for the owner trying to drive a car that needs to be repaired from one location to another. A state-of-the-art garage should offer an estimating tool that provides an owner the opportunity to enter their make and model of their car, the location, and photos of the damage and their contact information for an estimate within hours.

Services A Body Shop Provides

Air Bag Replacement

Paintless Dent Repair

Tire Pressure Sensor Reset and Replacement

Frame Replacement

Classic Car Restoration

Full Detailing

Clear Protective Coatings

Spray On Bed Liners

Accessories Replacement and Installation

And much more.

Fleet Repairs

When a company owns a fleet of cars, trucks, vans or other large commercial vehicles, Vehicle Repair Services in Omaha NE can provide a unique repair and expedited process. They don’t require an appointment and have on site rental vehicles. They work with insurance programs and offer special fleet rates. There are large overhead garage doors to accommodate large vehicles and have over an acre of parking.

Quality Control

Quality control at a repair service is very important to delivering outstanding service to a customer. A vehicle repair service should offer a detailed written estimate with the damage assessment thoroughly documented. All of the parts should be listed and photographs of the parts being removed so reassembly is easier.

Detailing of a vehicle will keep it looking great and protect the paint against pollution, rain, and UV rays. Carpeting in a car can be thoroughly cleaned and will extend its life and make the carpeting smell fresh and clean. A vehicle will look like new when detailing is complete.

If you want to keep your vehicle looking its best, only trust it to a reputable garage that offers the best service and repair in the area. Visit the site to find out more.


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 Prince William wants his mother, the late Diana, Princess of Wales, to be honored on the day of his wedding to Kate Middleton, BBC World News America correspondent Katty Kay told Good Morning America earlier today.

Katty was a guest on GMA during a segment about BBC America’s World News America special, William & Kate: Modern Monarchy, which airs Saturday (December 11) at 3:30 and 7:30 ET. And she gave viewers some inside details about the upcoming royal wedding, including William’s intention to have his late mother’s presence felt when he walks down the aisle.

“He wants his mother Diana to be remembered,” Kay told GMA‘s George Stephanopoulos, adding that, “There is speculation that perhaps Diana’s brother Charles Spencer will make some kind of speech [or] make some kind of toast to Diana on that day.”

And could William and Kate select one of Diana’s favorite designers to craft Kate’s wedding dress?

“All the focus at the moment is on Bruce Oldfield,” Kay says. “He’s a veteran British designer. He, again, [was] a favorite of Princess Diana, so another link with Will’s mother there if he designs the dress. [He’s] the bookie’s favorite. In fact, they’ve closed the betting on him because he’s such a sure favorite.

“It’s not just the ring he has given to Kate. He wants his mother to be a part of that day.”

You can watch the full GMA segment, including clips from William & Kate: Modern Monarchy, below.

Here’s a clip from William & Kate Modern Monarchy, which includes a sweet Piers Morgan soundbite: “I think what William and Kate have given us the monarchy with this engagement is a much-needed, very large dose of royal Viagra.”

What do you think about William’s honoring of his late mother in this way?

Read More
By Kevin Wicks
Kevin Wicks is the founding editor of Anglophenia.


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Biddulph & District Genealogy & Historical Society Biddulph Grange

Biddulph and the Great War

'There Shall Be In That Rich Earth A Richer Dust Concealed'

'We Will Remember Them'

Private Jack Moss

12537 8th Bn. North Staffordshire Regiment killed in action September 20th 1917 Age 23

Jack Moss was born on September 20th 1894 at Biddulph. He was the son of William James Moss and Elizabeth née Crompton. In the 1901 census the family are living at 2, Cromwell Street, Biddulph. Father William is 38 and a coal miner, born in Bosley and his mother Elizabeth is from Kidsgrove. There are six children at home; George 14, Sarah eleven, James ten, Myles nine, Jack six and Emma just ten months. All the children have been born in Biddulph.

The 1911 census reveals that William and Elizabeth have been married for 21 years and have had seven children, six of whom are still alive. Jack and his older brothers are all employed as colliers and the family are still living at 2, Cromwell Street.

Jack was a keen footballer playing for both Mossley and Congleton clubs. He enlisted at Biddulph in September 1914, joining the 8th battalion North Staffordshire Regiment. His name is recorded in the Congleton Chronicle as Jack Moss of 37, Station Road. He would have been aged 20 at enlistment.

As one of the early recruits Jack would have travelled by bus from Biddulph to Stoke Town Hall where, according to the Chronicle (September 1914) “they were given a civic reception and then billeted at a local hotel (the Talbot, Wheatsheaf or Glebe) until the Wednesday when they went by train to Lichfield to join the North Staffordshire Battalion”.

This battalion trained on Salisbury Plain before moving to their winter billets at Bristol. February 1915 saw a move to Weston-super-Mare then to Perham Down Camp, Andover and Tidworth for their final preparation and attachment to the 57th Brigade, 19th Division in April.

King George V inspected the division on June 23rd, and soon after on July 17th the division were ordered to ready for embarking to France. However Jack’s medal card records his date of entry as August 25th 1915, so for some reason there was a delay of over a month. The first action involving the 8th North Staffords was in October at Pietie, being used in a supporting role during the Battle of Loos.

Through the winter and into Spring 1916 the 19th Division defended their lines in the area, until ordered to the Somme district. During the coming battle in July the battalion were in action in the Albert offensive where they successfully captured La Boisselle in a bitter fight with the loss of many brave soldiers. Pushing forward they again came up against heavy enemy resistance whilst attacking High Wood. The Somme battle continued into August with actions on Pozieres Ridge and the Ancre Heights.

The Battle of the Somme continued until late November. By then Jack had lost many of his good pals from Biddulph: Jonathan Barlow, Joseph Evenson, Harry Bailey, Arthur Lacey and Harold Simpson, all brave men who had fallen in the past months. During the winter of 1916-17 the ground and weather deteriorated bringing the war to a slow pace. The men had to endure unbelievable living, sleeping and fighting conditions on a frozen and wet battlefield that Winter. Nevertheless always looking forward to their breakfast being brought up, a bread ration of four men to a loaf and hopefully a Dixie of strew to warm them.

The spring of 1917 found the division still defending the front line until early summer when the 8th Battalion were ordered north into the Ypres salient. The 19th Division were south of the ruined town of Ypres fighting on high ground in the Messines area, where 19 enormous deep mines were detonated prior to the successful battle at Messines. The division were again in action in September on the Menin Road Ridge. A bombardment had preceded the attack on the morning of the 20th when a heavy mist had covered an eight mile front. It was here that another gallant local soldier died. Private Jack Moss, on his twenty-third birthday, fell on the field of battle. This was September 20th 1917.

In a letter to his parents, an officer wrote, “Your son, Jack, was very popular in the company and is very much missed. He always did his duty and was a splendid soldier”.

Jack has no known grave and is remembered on the Tyne Cot Memorial. He is also remembered on the Biddulph memorials.

Michael Turnock and Kathleen Walton.

A list of all the medals awarded to the men of the Biddulph area has been compiled and can be viewed here.

Return to the Fallen 1917 Page

Return to the Fallen Page


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Beads Are Making Their Comeback!

I’m certain that the art and craft of creating and manipulating beads to adorn jewelry and clothing has been around since times immemorial.  The ways that people of all different cultures around the world have been able to employ the designs that exemplify their individual cultural aesthetic idiosyncrasies are surely an art form that needs more exploring and exposition.  I’d like to see beading make a big come back among young people, although I can only assume that it would mainly be a more acceptable hobby for young ladies, I’m sure women of all ages could certainly enjoy the pass time even if they don’t pursue it further as a skillful craft they’d like to hone and sharpen.  Now making the hobby more acceptable for boys and young men is more of a cultural issue that people (primarily in the western world but probably in nations across the planet) will have to engage on a larger scale to generally just allow males of all shapes, sizes, creeds and colors, to feel safer in their own skin and secure in their masculinity, even if they want to enjoy a typically feminine hobby.

Here’s an example of an incredibly intricate jaguar crafted out of beads and made in a traditionally Mexican style of coloring and design.  I’m not sure how many beads were used to create this masterpiece, but I can absolutely guarantee this is way beyond my skill level even if I had all of the materials… Although a blue print might help!  (This photo is © of Wonderlane).

Now speaking of cultural diversity among the nations of the world and the ways in which they approach beading, take a look at that beautiful picture.  I think that level of detail is just so fantastic it’s really impressive how much people can do with such little pieces of color.  I think that the artist behind this piece of work had the right idea and it clearly shows.  I want

While I do like the simplicity of smaller beads such as the ones used in this photo above of the large scale, pseudo sculpture made from them, there’s something to be said about having detail and real effort and craft put into even an individual bead.  For beads like that I had to do some poking around online but I didn’t have to look too hard to find a good source in marutibeads.com which has some of the most exceptionally detailed and hand-made beads I’ve seen.  They have a great exotic appeal that seems to encompass several different cultural cues, and at an oddly affordable rate.  Personally I’ll be taking advantage of it while I can before the demand makes the prices start to sky rocket (and I’d encourage you to do the same while you can if you or anyone you know has even a small amount of interest in , since these things look too beautiful to pass up!)  But let me dial the topic back a moment and think about that cultural aspect of the beads.  If I’m not mistaken there’s an Indian element to the design but also something that might be construed as Egyptian in some.  But then I’m not an expert, all I can tell you is I know what I like!

I’m glad to see there are still stores such as the one in this photo above, although I would like to see a chain store for the likes of the site I mentioned above, at least establishments such as this one can raise awareness and interest among parents and children alike.  Who knows, maybe even those all too hard to please young adults might be interested as well?  (This photo is © to Gexydaf).

Maybe beads won’t get the huge boost in popularity that I want them to get over night, and that’s fine since the elitist groups out there who prefer to feel like they are in on a special club will be happy to still feel like they are the hipsters that they are.  However, I still think that there will still come a time when beads will make their come back and be the celebrated art form and pass time for people of all kinds to enjoy. Essentially I suppose this might be something basic to more experienced beading enthusiasts but for me it’s still a new discovery Seed beads.


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Hair Problem Solution in Chennai

Hair Problem Solution in Chennai

Using chemical bleaches for whitening and bleaching skin can cause harm to your skin in the long run. Therefore, it is essential to use natural remedies for having clean and flawless skin. Read on to know more about the side effects of using skin bleach.

Everyone, regardless of being a man or woman, wants to have a flawless, even and smooth skin tone. Skin bleaching is a good option to get rid of the black spots or any other type of spots on skin. But, skin whitening options have become very complicated these days and there are plenty of options available in the market leaving the customers confused.

Although skin bleaching or whitening could be a good option for getting rid of dark spots or skin discolouration, the process is not free from side effects. Some of the products are rather very harmful and cause skin cancer too. Therefore, it is very important you find out the side effects of skin bleaching before you opt for the whitening of your skin.

Harmful Effects of Skin Whitening or Bleaching

Bleaching is, in fact, a process in which the hair on the skin is bleached to match with the actual skin tone. However, the side effects are:

  • Dark grey spots
  • Skin cancer
  • Acne
  • Swelling of the skin
  • Thinning of the skin
  • Cataracts
  • Setting down of fat on face, chest, upper back and stomach
  • Increase in appetite and weight gain
  • Osteoporosis
  • Neurological and kidney damage due to high level of mercury used in the creams
  • Psychiatric disorders
  • Severe birth defects
  • Asthma
  • Liver damage

Some of these side effects could be seen almost immediately while some are seen after prolonged use of skin whitening creams.

Why Skin Bleaching?

In some of the parts of the world, it is believed that light and pale skinned people portray beauty, richness and success as well. In some parts, dark complexioned people are considered below standard and so people opt for skin whitening or bleaching creams, pills and other products.

Studies reveal that most of the young boys and girls prefer using skin whitening products so that they get a good status in their group, family and society. In fact, the commercials shown on the television also portray the same thing. All these things have a great impact on the minds of young men and women and they opt for whatever cream or pill they can afford.

Natural Ways of Skin Bleaching

Here are some of the natural ways for getting flawless and fair skin without using skin bleaches.

Diet – Diet is the most important part that you should take care of if you want a flawless skin. Take away all refined food products and replace them with healthy and nutritious ones.

Water – Increase your intake of water. This helps keep skin free of dehydration and so the look is healthy and unblemished.

Cleansing – Take proper care of cleaning your skin. Choose the product that is natural and effective. Pay attention to exfoliating your skin from time to time so that you get rid of the dead skin.

Limes and Lemons – Citric acid is natural bleach and will help you have a lighter skin time without any side effect. You can make a face mask with lime juice, few drops of glycerin and flour to make a paste. Apply this on your face and leave for 20 – 30 minutes. Wash with normal water.

Once you know the side effects of using over-the-counter skin whitening products, you will definitely want to learn more about natural skin whitening methods. These methods are harmless and even cost you nothing extra.

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Lavender Meadow Duo

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A super-hydrating lotion enriched with organic lavender and geranium essential oils, which help to de-stress and lift your mood. Our quickly absorbed body lotion uses skin-conditioning glycerine to leave skin feeling soft, smooth and moisturised, while helping to protect from dryness and irritation.

Clinically proven suitable for sensitive and eczema prone skin.
Enriched with organic lavender and geranium essential oils.
Delicious, comforting natural fragrance

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Product colour or texture may vary slightly due to natural ingredients.
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Arima Nambi- Visitor Column

Arima Nambi- Visitor Column

By Mani Prabhu

Behindwoods.com isn't responsible for the views expressed by the visitor in this column. The visitor claims that this column is his/her own. If the column infringes any copyrights that you hold, please email us at columns@behindwoods.com.

'Mainstream' cinema to me is one which takes the liberty of overriding logical glitches in the script with irresistible engagement in story telling so much so that you tend to overlook these seemingly implausible things which wont most probably happen in real life for the kind of entertainment it provides. The more tautly and sensibly it is presented, the more it goes down well with the audience looking for quality in entertaining cinema. And this is where director Anand Shankar scores. Taking up a simple plot of wronged accusation, he has made a suspense trailer which catches you on the edge of your seats for most of the time. ' Arima Nambi' has several things going  in its favor like a watertight script, unexpected plot twists springing out of nowhere and powerful character. But what it essentially lacks is the 'credibility' factor which stunts the experience of watching a nail-biting suspense unfolding quite ostensibly, especially in the second half.  Having said that, the director also makes it really tough for the audience to ponder on it much with his superfast screenplay.

The director gets his characterizations bang on right from the main leads to the supporting artists. Rarely do we get to see a male lead in Indian cinema who takes a girl to a dinner date  the day after they met, has a few drinks with her, gets invited to her place at night and still refuses to judge her! Vikram Prabhu gets an awesome make-over as the energetic and charming Arjun Krishna, and he carries himself with style. But the ease with which a young banker grasps the gun and handles potentially life-threatening situations effortlessly never gets explained. Priya Anand plays the affluent Anamika like a breeze, looking confident and ravishing as usual. Again, she is not a silent spectator to be rescued by her lover at the end, but a character who uses her brains to help the protagonist. Anamika parties at the Hard-Rock cafe without posing as a slut, is comfortable with her alcohol, dates her male friend of two days and defends her decisions till the end. Bravo Anand! JD. Chakravarthy playing   the powerful 'wolf in sheep's clothing' antagonist fits the role perfectly.  MS. Bhaskar is a natural in his well written character, and brings in a key twist in the storyline.

Anand Shankar takes five mins to introduce the characters, and comes to the point straight away, and half an hour into the movie, we are stumped and started at the amount of things that have happened with no clues/connections whatsoever. He eases into the main resolution soon after while adding additional conflicts at regular intervals. Well done, again. He keeps the distracting songs to a bare minimum of three, which does help to pace up the narrative. The opening song at The Hard Rock Cafe has Drums Sivamani's name written all over it, and he impresses with his lively beats. His background score is again brilliant serving to edge the tension a few notches higher. R.D Rajasekhar's camera captures all the drama stylishly and makes even the most implausible scenes seem convincing. The film would have shaped better without the party song just before the interval and the duet in the second half. But alas!

However, Anand Shankar doesn’t let mindless mushy romance or dim-witted comedy come in his way of story-telling. The girl doesn’t break into a jive soon after her dad dies. The guy doesn’t make out with her soon after escaping from a near-death experience. The humor is subtle and inbuilt, and works very much to the film's favor.

Arima Nambi might have the staunch loyalists of logical cinema frown and wiggle in their seats. But what it effectively does, is enthrall the audience with a stylish, sensible, well-written suspense thriller which hooks you for most of the time.  Definitely worth a watch.

Mani Prabhu

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Please send your column to columns@behindwoods.com.


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Bonus Deal

Order this Month to get a Free Drill Holder valued at $49.95 included with your Vice.

Oz-Vice products are distributed in New Zealand by Keybrands Marketing Ltd.

Woodworking Tools

Freestanding Bench Vise holding a wooden door on its edge

Over the years I’ve owned an extensive range of woodworking tools ranging from used equipment purchased from second-hand shops through to brand new Trades quality equipment. During that time I learnt how to spot good quality items, to help reduce maintenance and ensure a long tool life. Chisels and hand wood planers are some in particular, since they are woodworking hand tools that need constant maintenance to keep the blades sharp and chip free.

Some of the better quality chisels and hand planes I've owned were second hand; no doubt made pre 1960 when tool steel quality was often more important than turnover. Good quality chisel steel contains plenty of carbon allowing it to hold a sharp edge for longer. Its important not to overheat these blades when sharpening them or it will reduce the integrity of the metal and make them brittle or in some cases reduce the hardening effect of the carbon. Always keep a container of water on hand to cool the blades frequently when using power tools for the initial resharpen/reshape process.

Stone finishing for all types of carving tools and blades is highly recommended to improve the quality of the work and prolong the life of the edge. Because the OZ-Vice by Bench Pro vice comes with hard jaw covers, you can firmly hold the blades still while sharpening them without risk of damage to the vice from the exceptionally hard blade steel. I find its easier to keep the sharpening stone on a level plane than the item being sharpened since its easier to gauge the stones angle by eye due to its size. This helps avoid rounding the sharp edge from wrist movement during the final sharpening process.

Wooden mitred frame joint held by the upper and lower surfaces of the bench vise jaws. The bench vise is attached to a wooden door for a work bench.

Wood carving tools like chisels, wood planes, routers and dremel systems can exert a fair amount of force on the material that’s being worked and keeping the job still and firmly in position is usually very important to the end result. The soft jaw covers are designed to avoid bruising the item being clamped while still maintaining an equal if not better grip on the object. If its a larger item like a doorway or cupboard door that requires fitting for instance, the challenge is in holding it on its edge for long enough to chisel or route hinge and striker recesses without the door falling over and damaging itself or a section of wall.

Unless you install doors professionally its unlikely you would have a door jig on hand. The OZ-Vice  can be a handy helper on jobs like this since it can be mounted to any horizontally or vertically aligned surface like the edge or leg of a workbench or even sitting on the floor clasping the door in the vice jaws (acting as a horizontal stabiliser for the door while its being worked on).

For fine decorative and precision carving jobs, holding the item still is an even bigger challenge since it becomes imperative that the item remain perfectly still during the carving process. Dovetail joins are a good example, while its not strictly carving as such it usually involves the precision use of chisels and saws or possibly a routing tool or dremel like equipment.

The OZ-Vice makes the perfect complement to any woodworking tool kit and can be used to assist with maintaining your tools and assisting with manufacture and repair jobs. The OZ-Vice is a multi-purpose portable clamping system designed for a wide range of uses and job types and is widely used by home handymen, hobbyists and professionals alike.

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Data Security and Bug Bounty Programs: Lessons Learned from the Uber Breach and Security Researchers

Subcommittee on Consumer Protection, Product Safety, Insurance, and Data Security

Senate Commerce Committee

The hearing will examine the October 2016 Uber data breach, the overall value of so-called “bug bounty” programs and other approaches to identify vulnerabilities, and the allegations of impermissible payments by Uber to conceal the security incident.

  • Mr. John Flynn, Chief Information Security Officer, Uber Technologies, Inc.
  • Mr. Marten Mickos, Chief Executive Officer, HackerOne, Inc.
  • Ms. Katie Moussouris, Chief Executive Officer, Luta Security, Inc.

Russell Senate Office Building
Delaware Ave NE and Constitution Ave NW
Washington , DC


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Myrtle spurge (Euphorbia myrsinites) - Class B noxious weed

Myrtle Spurge (Euphorbia myrsinites), also called "donkey tail" or "creeping spurge," is one of Washinton’s "Class B" noxious weeds and is designated for control in Benton County.  Containment of these weeds is the primary goal so that they do not spread into un-infested areas.

Caution should be taken if you decide to remove Myrtle Spurge by hand.  Please make sure to wear gloves, long pants, and a long-sleeved shirt when pulling. The weed exudes a milky sap that can severely irritate skin and eyes and is toxic if ingested.

  • Don't let children play with the weed! Wash skin and clothes after contacting it.
  • Pull myrtle spurge before it produces seed, which is viable for eight years. Pulling is more effective when the ground is moist and soft, such as after a soaking rain.
  • Wear long sleeves, long pants, gloves and eye protection. Spurge contains white sap that can cause severe skin irritation, including blistering (another reason to get rid of it!).
  • Remove at least four inches of the root when pulling myrtle spurge. The weed has a taproot, so the more of this you can pull out, the more effective it will be at preventing re-growth.
  • Bag the spurge and tie or fasten the bag closed. Tell your neighbors and friends to purge their spurge too.
  • Be committed! Follow-up treatments are important. The weed will likely need to be pulled for a few years before it is completely gone.
  • Chemical treatment can be applied in the fall, use 2-4D and/or glyphosate to help control myrtle spurge – Read and follow label directions

* Please do not compost noxious weeds as this will spread the weeds to other locations.


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Media Releases

BERL forecasts cyclical slowdown, but risks of negative scenario cannot be discounted

Tuesday August 04, 2015

While New Zealand’s economic growth for the next couple of years will be slower than in recent times it is set to remain positive, according to BERL’s latest assessment of the situation and prospects for the New Zealand economy.

However, in a presentation today BERL Chief Economist Dr Ganesh Nana was at pains to stress there are several risks that carry sufficient weight to knock the economy into a potentially more damaging downturn.

“It is important that we (policy officials, businesses and commentators) do not get too excited over recent data. We knew commodity prices were going to adjust downwards, we knew the exchange rate was way overvalued for a long time, and we knew the Christchurch re-build was going to peak. Now these things are happening there is an adjustment occurring. We shouldn’t be too surprised by this.”
“The adjustment had to happen, but there is more to come. Both the OCR and the exchange rate will have to come down further, and it is important that officials don’t get distracted from this path”, commented Dr Nana.

Factors helping to maintain positive growth were strong migration inflows as well as infrastructure and new house building activity. Also featuring is stimulus from the wider export sector as the NZ$ exchange rate adjusts to a more sustainable level, and this is expected to cushion the dairy decline.

Risks that have the potential to derail the slowdown into one of more substantive concern include

  • confidence rapidly turns dark – causing sentiment to impact on investment and employment and also potentially slowing the stimulus from the migration inflow
  • the RB getting cold feet from seeing ghosts from inflation past and so not reducing the OCR – this risks stalling the necessary NZ$ exchange rate adjustment
  • renewed global uncertainty – this pushes the commodity price scenario to an even bleaker story
  • banks’ taking a more aggressive stance to mitigate their exposure to the agriculture sector

In conclusion, Dr Nana notes “the longer-term structural imbalances in the New Zealand economy remain, including a persistent external deficit and a tradable sector continuing to be hamstrung by policy settings driven by short-term cycles. This cyclical downturn will likely exacerbate these.”


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Why I Run

by Ulla

I love to run.

I don´t know if I can call myself a "runner". I have never competed in a race and I don´t think I would be amongst the fastest ones if I did.

But fact is: I love to run.
People ask me: "Why? Why do you get so uneasy if a couple of days pass by and you did not have the chance to run?"

Running is my balance, my "my time", the hour I have during the day when I am alone with my body and my thoughts.

I spend a lot of hours every day working. In front of a PC, in meetings, at airports, in planes and cars that take me back and forth to more airports and planes and meetings... At the end of the day, running gives me the chance to feel that I am more than "just a brain". That I have legs and lungs and a heart that beats and pumps blood through my veins and makes me breath and sweat. That I can get physically tired, not only mentally. That I am healthy and alive!!!

But more than that, running gives me time and space. This is why I love to run in the evening. When everybody is gearing up for dinner and to go to sleep, I hit the empty streets. I can think about my day, evaluate if it has been a good day, if I have made the most out of it, what things I have done well and where I need to improve the way I am and behave.

Sometimes I wrap the day up by thinking what I need to do tomorrow: that e-mail I want to send out, that report, that phone call, that visit to my mother, because I have not seen her for a while, oh, yes and I need to buy milk... and tell my husband I love him, because I don´t do that often enough.

Other days I think about my life in the future: if I am happy, what will be in 2, 5, 10 years time, where I want to be then and what kind of person I would like to become. I think about what I would do if one of us lost our job or if we got sick. I think that I would like to have a child or two and be a good mother.

At the end of the run I have come to peace with myself and I feel good; I feel I have done something very positive for my body and my soul.

So I wish I will be able to run for many many years. I have discovered quite a few corners of the world running: London, Paris, I fell in love with Copenhagen, got lost in Milan, enjoyed Cambridge and its riverside, fought with the hills in the streets of Madrid, ran along a snowed seaside coast in Sweden and through the burning sun of August in Lisbon...

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But there are oh so many places to discover still. As long as I have my running shoes with me I will just run and enjoy that I am alive.

This is why I run!

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Dec 14, 2007
Thanks for sharing
by: Dominique

Thank you for your submission to my site.
You have summed up perfectly why running is good for you.
Dominique (webmaster)

Apr 17, 2011
by: Paul

Also, a very nice person... :-)

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Placerville, California   Add Favorite    5 Reviews | Review This Place

Find your Best Mortgage in Placerville: Fixed Rate, Adjustable Rate, 30 years, 15 years.

-Mild winters
-Nearby recreation
-Central location

-Growth and sprawl
-Rising cost of living
-Summer heat

What Bert Has To Say About Sacramento--Roseville--Arden-Arcade Metro Area

Sacramento, the capital of California, has been a leading agricultural and transportation center for most of its history. In the past 15 years, as costs have escalated in California’s coastal cities, thousands have migrated to the area for its reduced cost of living and proximity to San Francisco and Lake Tahoe. Now, as a result, growth and traffic issues have become top-of-mind issues for the area. Downtown Sacramento is pleasant and attractive but somewhat lacking in entertainment and activities (aside from restored historic “Old Sacramento” riverfront downtown area). Most recent growth has occurred to the north, northeast, and south as typical California sprawl- freeways, strip malls, and endless developments of tightly packed homes. Job growth projections remain strong.

Capital city / suburban complex - Northern California, northern Central Valley at the base of the Sierra Nevada See Local Real Estate
Real Estate: For Sale  For Rent
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City: Placerville
Zip Codes: 95667
Time zone: Pacific Standard Time (PST)
Elevation: 25 ft above sea level

Quick Facts About Placerville

    The unemployment rate in Placerville is 5.40 percent (U.S. avg. is 5.20%). Recent job growth is Positive. Placerville jobs have Increased by 2.19 percent. Learn more...
    Compared to the rest of the country, Placerville's cost of living is 27.10% Higher than the U.S. average. Learn more... or Compare Placerville's Cost of Living
    Placerville's population is 10,650 people. Since 2000, it has had a population growth of 27.47 percent. Learn more...
    Average Commute time is 28 minutes. The National Average is 26 minutes. Learn more...
    The median home cost in Placerville is $313,200. Home appreciation the last 10 years has been -21.42%. Check out the homes in the area.
    Placerville public schools spend $9,125 per student. The average school expenditure in the U.S. is $12,383. There are about 21.7 students per teacher in Placerville. Learn more...

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Placerville Housing Market

It's a good time to buy in Placerville. Home Appreciation is up 5.9% in the last 12 months. Browse Placerville Real Estate.
The median home price in Placerville is $313,200. Browse Homes in this Range.
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Our retirement town

We have built our retirement home here completed in 2013. Still a few years away from moving in (kid's college & weddings) but we are really looking forward to it. We... (Read More)

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Placerville is a Republican Island in a Blue State- all of the politics are dominated by San Francisco and L.A. limosine liberals, and how they vote controls state... (Read More)

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• April 4 - April 7, 2019: BLU (Beyond Limits Ultra) MULTI DAY RACE 200M/72HR/48HR/24HR/100M/50M/50K Multi-Day Race - Push beyond your perceived limits on 70 acres of Wildlife Preserve in the San Jacinto Mountains!
  • Feb. 15 - 17, 2019 (48 Hr Starts Feb. 15): Jackpot Ultra Running Festival Bet Big. Run Long. High Roller Bling, including a casino inspired buckle for 100 mile finishers. Enjoy a 2.5 mile loop set among a brand new high amenity park - just 10 miles from Vegas airport! 50 Mile Race Added!
  • Register Before It SELLS OUT!
    Register Before It SELLS OUT!

    Bet Big, Run Long! High Roller Bling for all runners, including a casino inspired belt buckle for 100 mile finishers. Enjoy a 2.5 mile loop set among a new 100 acre, high amenity park, with a picturesque lake - just 10 miles from Vegas airport!

  • 2019 BLU Results
    2019 BLU Results

    Over 100 runners went beyond limits at Pathfinder Ranch. See the Results!

    2019 BLU Results
  • Beyond BLU: The Stories, The Event
    Beyond BLU: The Stories, The Event

    Read race reports, blogs and more from all of our Beyond Limits Running races! If you have a story, send it our way.

    Who Pushed Beyond

Jackpot Ultra Running Festival
February 15 - 17, 2019 in You Know Where, NV

Beyond honored to announce the 6th Annual Jackpot Ultra Running Festival 100 Mile Race is again the official 2019 USATF 100 Mile Road National Championship race! In honor of receiving this prestigious hosting honor, we have kept the total prize pool to $10,000. We will be certifying the new 2019 Jackpot course (only change is for the 100 Mile USATF race) prior to the event.  It warms our heart knowing newbies, along with mid-pack runners, will get the chance to race and share most of the course with ultra elite athletes. This race sells-out each year, so don't wait until the last minute to register.

Located minutes from the Las Vegas strip and just 10 miles from Las Vegas Airport, the $16 million, 100 acre Cornerstone Park is nestled among desert landscape and is anchored by a 31 acre bird sanctuary lake. The lake is surrounded by a massive grass area, entertainment plaza, individual picnic pavilions with lake views, walking/running trails, volleyball and basketball courts, restrooms, BBQ's, a warming kitchen and ample parking. And let's not forget all of the wildlife so many of us got to enjoy as we raced by. The Jackpot course consists of a 2.5 mile loop with roughly 100 feet of elevation ascend/descend per loop (4,000 feet for the 100 mile race). At an elevation of 1,900 feet and average mid-February high/low temperature of 61/45, the Jackpot course is extremely fast. Just ask how many runners had a PR in our inaugural event! Run on a course that is 45% groomed crushed gravel trails, 48% wide asphalt paths, 5% bridge/concrete surfaces, and 2% grass, the course is well suited for veteran runners wanting to PR, and with a 30 hour time limit, it is perfect for first time ultra runners. The RFID chip timed race starts at the entertainment plaza and makes a horseshoe type loop around the lake with lots of social runner interactions. Runners will be treated to two small picturesque bridge crossings every loop. The 100 feet of ascend/descend during each 2.5 mile loop occurs gently, without any steep climbs. The Jackpot course has become one of the fastest looped courses in the Southwest.

As with other Beyond Limits Running races, the aide station will be once again heavily stocked to take care of runners' nutritional needs and will serve a variety of hot meals, prepared with an on-site warming kitchen. Awards and runner bling will be very memorable. All runners will receive a unique finisher's medal, with 100 mile finishers earning a large buckle (both new designs). Both medals and buckles will be appropriately themed (think casinos). Not everything stays in Vegas and every runner will be leaving with a unique full of bling. As demonstrated during the 2014, 2015, 2016m, 2017 and 2018 Jackpot Ultra, the race directors go all out when it comes to designing unique awards. First through third place male and female finishers in each race will earn a trophy case quality award.

$10,000 in Prize Money Is Once Again Available

To celebrate our 6th year anniversary of hosting the Jackpot Ultra Running Festival, we will be awarding up to $10,000 in prize money. The first place man and first place woman in the 100 mile race will receive $1,000, while the second place man and woman in the 100 mile race will receive $500.  Also, all men and women who win an ultra distance race AND set a new course record in any ultra distance race (50 mile race excluded) will receive their share of the prize pool.  If you win the 48 hour, 24 hour, or 100 mile race and set a new gender course record, you will take home $500 cash.  Win and set a new course record in the 12 hour or 6 hour race, you walk away with $250 cash.  Lastly, if the first place finisher in the 100 mile male and 100 mile female races sets a new 100 mile USA record, they will earn an additional $1,500 each. So if you happen to win the 100 mile race and set both a course record and a new national record, you could win up to $3,000.  Jackpot is very unique as it allows newbies, normal runners and elites to share a short, fast loop course.  So as not to leave out the majority of runners from the prize fun, we will raffle-off a free weekend stay at the gorgeous mountain-side Beyond Limits cabin in Big Bear, California.  Just register by Christmas and you will be included in the raffle.  Come hit the Jackpot in Sin City and experience the over-the-top fun that comes with running a Beyond Limits Running race.

To create a full-blown festival environment, live music will be performed throughout the day at the start/finish line aide station. If you haven't figured out already, this is a great vacation getaway ultra. With cheap Southwest Airline flights and 5 affordably priced hotels located 1-3 miles from the race venue, invite family and friends and take full advantage of the 4-day Presidents' Weekend. Enjoy one of Vegas' awarding winning restaurants and catch a show on the strip as you celebrate and recover in style.

Bet Big, Run Long and Hit the JACKPOT at the Jackpot Ultra Running Festival.

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From Beyond Limits Race Reports to other rockin' mentions of BLR and our sponsors, BLU Family and Team Relentless Runners accomplishments, we want to brag and this is the place.

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