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Chief Metallurgical Engineer/assistant Mill Manager/air Quality Control Coordinator
Responsible for Analytical (process control) Laboratory. Acted as Mill Manager in his absence. Responsible for plant metallurgical efficiencies and metallurgical accounting. Handled air quality issues for the plant, including "Notices of Intent", public hearings, coordination with State Air Quality personnel and compliance testing.
- Improved plant uranium and vanadium recoveries by 4% and 20%, respectively.
- Implemented and performed isokinetic stack sampling.
- Managed successful environmental remediation of air quality emission (Re-carbonation Tower, etc.) problems.
- Identified state tax credit provision for pollution prevention modifications, researched and submitted application and received refund check of $212,000 for the company.
- Designed and directed construction and start-up of an ion exchange system for treating mine water discharge.
- Participated on Design Team for the "Bullfrog" uranium mill.
at this job
Metallurgical Engineer
Provided metallurgical and materials engineering services to a wide range of clients, principally companies related to the oil and gas and chemical industries. Services included failure analysis, materials selection and client education.
- Analyzed and wrote reports on over 100 failures per year. Failures involved internal and external corrosion, hydrogen-induced cracking, fatigue, mechanical damage, application issues, installation or service irregularities, manufacturing defects and combinations of these.
- Specified mechanical testing, chemical analysis and non-destructive testing (NDT/NDE) of materials and components and reviewed the results.
- Examined samples with a scanning electron microscope and metallurgical microscopes.
- Developed and maintained client relationships.
- Standards and specifications most commonly used were ASTM, American Petroleum Institute (API), National Association of Corrosion Engineers (NACE) and ASME.
at this job
Principal Metallurgical Engineer
Managed raw material suppliers for four North American, Mexican and Brazilian Plants.
- Assisted purchasing and quality with supplier issues that resulted in cost savings of $250K per year.
- Prepared and maintained material and process specifications for Americas, achieving consistent quality and pricing between different operational units that resulted in 15% reduction in quality issues.
- Provided support for forming operations at Cleveland Plant, reducing temperature variation and providing better lubrication that resulted in a reduction of seam defects by 28% and a cost savings of 400K per year.
at this job
Global / International Metallurgical Engineer
Global Metallurgist for product development, manufacturing and quality teams for Automotive Electronic Products by providing Analysis of electronic interconnects (Failure, Production Problems, etc.) to improve product quality and robustness
- Coordinated the setup of a Materials Lab in Mexico with training of 11 Materials Engineers and Technicians to increase productivity of process verifications and failure analyses
- Provided detailed interconnect analyses and corrective actions for multiple Automotive Electronic Mfg products DVs + PVs to minimize potential processing issues, to reduce PPM levels and to ensure successful product launches.
- Over 75 Internal Publications
at this job
Metallurgical Engineering Intern Associate - Quality Department
- Achieved 70% increase in product coil delivery rate by streamlining motor lamination testing procedure.
- Resolved surface blistering defects on 100s of electrogalvanized steel coils via root cause failure analysis.
- Coordinated and performed gage R&R studies to standardize test equipment throughout the mill.
at this job
Metallurgical Engineer
Croix Refinery (500,000BPD, 79,494m3/d). Inspection Department
- Trained HOVENSA Inspectors in API Risk Based Inspection methodology. This included a classroom review of the API RBI process from a technical standpoint as well as software training. Hand-on software ever-greening, in terms of inspection report grading following turnaround activities, was also covered for future turn around planning and scope development.
- Managed HOVENSA'S Thickness Monitoring Location Optimization Program. The program served as a platform for conducting semi-quantitative / semi-qualitative risk assessments of process piping for the purpose of reducing redundant thickness monitoring locations. The program scope included 78 process units.
- Named Refinery Employee of the Quarter of 2,200 employees (Q4 2007) for assisting with refinery wide budget planning pertaining to the management of pressure boundary mechanical integrity.
at this job
Metallurgical Engineer
Worked directly with internal and external customers to meet their needs.
- Hands on experience analyzing a wide array of samples.
- Visually examined samples using stereoscopes, microscopes, and an SEM.
- Developed innovative induction heat-treating techniques to meet customer specifications.
- Wrote comprehensive metallurgical reports.
- Worked on a cross-development team to develop a process which is used to induction surface harden and temper crankshafts for General Motors. The new and innovative non-rotational process we developed lead to the successful sale of four Inductoheat Crankpro machines for the sum of 2.7 million dollars.
at this job
Metallurgical Engineer I
Managed charge recipes and inventories of charge materials
- Performed Manufacting Engineer duties for casting hardness department and metallurgical lab
- Completed root-cause analysis reports of non-conforming or field-failure castings. Communicated these results to quality engineers and design engineers, also providing technical support to eliminate re-occurances.
- Wrote and managed metallurgcial process/quality documents
- Trained and annually re-certified shop floor employees on processes which were tied to quality
at this job
Metallurgical Engineer-intern
- Researched and implemented a design process to reduce ladle shell temperatures
- Managed and directed new trials to improve steel casting
- Ran both inclusion analysis and SEM sample preparation for investigation
- Worked in each area of the mill to fully understand steelmaking process
- Assisted in day to day floor operations as well as engineering decision making
at this job
Metallurgical Engineer
- Completed 50+ metallurgical lab requests supporting R&D and Design Engineering teams with specialization in failure analyses of customer returned products
- Acted as one of lead operators for mechanical testing, specializing in universal and fatigue tests
- Experienced in metallographic sample prep and microstructure evaluation
- Supported 6S and Continuous Improvement tasks for lab organization
at this job


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End the Dark Cycle of Discontentment - Part I...Learn More
When untouched by the mind we can receive the whole of an impression and thereby be changed by it. Most of the time what we do is involve the mind in the impression by naming and describing it, and because of this we do not receive the whole impression, and therefore we are not changed.Learn More
You'll never climb out of the hole you find yourself in. Real Life has no holes to fall into. Every hole is a self-produced hole. Your mind actually builds the hole, then looks at it and says, "How did I get in here?" This means that if you find yourself in a hole and then struggle to climb out, the only thing you'll succeed at doing is digging the hole deeper. Thinking about the hole you'...Learn More
Have you ever have a "yuck" kind of a day? We're all familiar with those days in which there's no passion to do anything at all, there's no energy, everything seems meaningless, and our personal forecast looks dreary. But why would we ever sit and not like what the day has brought? Why don't we want what we call a "yucky" day? Here's the answer: Because we don't know what to do with it. You...Learn More
The purpose of true spiritual study is to begin a very slow and steady process by which the human mind that is willing to be educated is brought into the presence of new understanding. This new understanding is not something that you can give to yourself, but it must start with certain ideas that are intended to come between you and your present suffering. Presently our suffering feeds on itse...Learn More
Our spirit is not meant to sink. At any given moment, we can tell what we are living from by the way we see the world around us. We are not meant to live with a heavy heart, but at present we do not know what else to do. There is no denying the fact that, at times, life can weigh heavily upon our hearts and minds, but we can remain aware of the heaviness instead of consenting to live under it.Learn More
In this short talk, Guy Finley talks about why we must come to realize the need to shake ourselves awake as often as possible if we want to be free of the negative states that currently pull us down.Learn More
In this short talk, Guy Finley talks about our common need for a higher kind of love that releases us from feelings of fear, doubt and hopelessness.Learn More
In this podcast, Guy Finley talks about how our experience of life -- the way we feel in any given moment -- is the direct result of what we give our attention to.Learn More
$0.00Topics covered: We live in a world that increasingly passes the buck; As thought becomes unable to deal with its problems, it turns to physical relief; No one else is responsible for your experience of the moment; Your work is to bring you to a place where you have no idea what is going on; The purpose of a sun is to illuminate the space into which it has been thrust -- in scale, this is a hum... Learn More

subset: commoncrawl


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What is Laser dentistry?
Every once in a while something comes along that can really change things. In Dr Cliff's opinion the Waterlase MD is one of those.
The Waterlase MD machine produces a laser beam tuned to the wavelength of a water molecule, so that when the beam is energised, any water at the focal point of the beam is instantly vapourised. Consequently any tissue containing water can be removed by this process. The energy is delivered in a pulse and so instead of the high pitched whine of a dental drill we hear a snapping sound, rather like popcorn popping, when the machine is in use.
For different applications on hard or soft tissues, the power, length of pulse, and the amount of water and air used can be varied. The biggest benefit to patients is that many procedures can be performed with the minimum amount of tissue loss so that you feel less discomfort and heal more rapidly.
Why does it benefit patients?
One of the biggest challenges dentists face is how to deal with worn down teeth. We can now use our laser to prepare the tooth surface to bond on tooth-coloured filling material very securely so there is no need to destroy large amounts of tooth tissue with a drill to restore the teeth to the original shape. This is a very useful technique for rebuilding the front teeth when the edges have all worn down giving a jagged, rough-looking smile.
The Waterlase MD can also be used on a different setting to change the shape of the gum. This is usually done in preparation for a dental crown in order to get the best impression to ensure that the crown fits perfectly.
The laser smile lift is an exceptionally elegant procedure enabling us to reshape the gums around the front teeth in one visit without surgery or stitches thus permanently improving the appearance of the front teeth as they emerge from the gums. There is very little soreness after the procedure and instead of having to wait three months for the swelling to subside you can proceed to the cosmetic dentistry straight away.
There are many other benefits to this technology and it has become an integral part of Dr Cliff's daily practice. To find out more about Waterlase MD technology please give us a call on (07) 4725 2275. hiQu Dental Townsville is located at 92 Ross River Rd, Townsville QLD 4812.


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Commercial and Industrial Installation Business for Sale Auckland
This is a great opportunity to purchase an established installation business with a well-known and respected brand in its sector.
Business for Sale Description
Commercial and Industrial Installation Business for Sale Auckland
The systems they install are required by law in specified industrial, commercial and residential buildings. In some cases, buildings need to be retrofitted to meet both regulatory and insurance requirements. No major new commercial or industrial buildings can be built without the installation of the required products.
Compliance standards require all second-tier subcontractor installers to be AS/NZS ISO9001:2015 Quality Management System certified. The business received its certification in February 2018. This represents a significant barrier to entry.
In addition, the business continues to impress its customers, recently winning "Subcontractor of the Month" on a 29 storey building in Auckland's CBD as well as "Top Rated Contractor" from a major building company based on 11 assessed criteria.
Recent successes subsequent to balance date, have included a large contract requiring ongoing work over the next 12 to 18 months. An additional 6 installers have been employed to complete this work which will provide additional revenue of $1.2 million over this period.
Business strengths
• Known and respected brand
• Fundamentally simple business model
• 8 installation staff to manage
• Mainly Monday to Friday operation
• In-house developed staff training courses
• Good pipeline of ongoing project leads
• AS/NZS ISO9001:2015 Quality Management System certified
Business Resources
The buyer
The ideal owner of this business is someone who has a sales and marketing or business development background. In addition, they will want to grow the product range and services the business offers. Or perhaps their skills are more project or engineering based and are able to systemize and automate the business to suit their requirements.
Net Surplus: $300,958 (actual FY18 results)
Interested In This Opportunity?
Share this:
Similar Business Opportunities:Trade and Other Service Businesses for Sale Auckland
Businesses for Sale Auckland
Contact: Andrew Larsen
Andrew Larsen
Licensed REAA 2008
Broker Ref: 060318


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It's November, which means that the holiday season is quickly approaching. This time of year can be wonderfully festive, with all the delicious food, family gatherings, gift giving, and social outings. However, it can also be very stressful, and many people identify the holiday season (typically November through mid-January) as a big source of anxiety every year. But even with the stress, you can still enjoy the fun and festivities that this time of year has to offer- it's all about investing in your self-care!
When you take the time and energy to treat yourself right and take time out from the hustle and bustle, you can keep your head clear, your immune system strong, and your skin glowing. There are many wonderful ways that you can invest in some TLC, including exercise, meditation, and eating healthy food. But when you're ready to take it to the next level, head to your local Windsor salon. Here are a few ways to find peace and healing at the salon or spa:
- Book a massage
Massages are wonderfully beneficial for improving blood circulation, reducing stress, and loosening up muscles and joints. Plus, your dry skin will love being pampered with natural lotions and oils! There are massages for every body type, including deep tissue, hot stone, prenatal, reflexology, and more! Find the style of massage your body likes the best, and make it a regular appointment during the holidays.
- Update your nail color
A spa manicure is one of the easiest ways that you can get a boost of relaxation and confidence. Especially during the holidays, having fresh, beautiful nails is important, so take the time to stop into your local salon for a manicure and/or pedicure. Choose nail colors that make you feel happy, or go with your favorite holiday party outfit!
- Have your brows done
A strong brow has been in fashion this year, but too many women don't have the time or energy to maintain the look, especially in times of stress. Your neighborhood salon and spa can get your eyebrows under control in no time, with professional shaping, waxing, and tinting. It's the perfect little pick-me-up before a big holiday event, or before you have your annual family photos taken!
When you're ready to book your holiday self-care rituals, reach out to us at Athena Salon Spa & Wellness.


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Initial Configuration
The Batch Manager Tool can be used from any machine with internet access. However, using a scanner with the Batch Manager Tool requires a Windows machine (recommended with Windows 10 or higher) with Microsoft .NET 4.5.2 installed to use the Batch Manager Scanning Service.
Security Roles
Do not edit these security roles. Doing so could cause the Batch Manager Tool to not recognize the security roles and thus not work properly.
To log into Batch Manager Tool, your User account in the Platform needs one of the following Security Roles:
- Batch Manager Administrators: Can see, edit, and finalized all un-finalized Batches.
- Batch Manager Operators: Can only see, edit, and finalize un-finalized Batches that they have created or are assigned to (including Batches that have not been assigned to anyone).
Global Filters
If Users will only work with specific Congregations, their access can be limited to these Congregations via Global Filters. Any Global Filters applied will affect both the Platform and the Batch Manager Tool. Global Filter access is cumulative meaning if a User is granted access to 3 Congregations they will see data related to any and all of those Congregations. Global Filters impact the following areas in the Batch Manager Tool:
- Congregations/Programs available when creating, editing, or importing a Batch.
- Batches visible when opening a Batch. Note: To see Batches not assigned to a Congregation, grant Global Filter '*Not Assigned'.
- Programs/Events available when assigning Donation Distributions.
Scanning Service
The first time you login into Batch Manager Tool on a machine, you are presented the Scanner Not Ready screen.
For manual entry, no installation is required. So, you can simply click No Scanner. However, if you want to utilize a check scanner to speed up processing and capture images please follow both of the below sets of instructions.
If you have already installed the Scanning Service and are getting the "Scanner Not Ready" dialogue, then the Scanning Service has been removed, disabled, or was not installed by a local admin and both of these initial configuration steps will need to be walked through again.
1. Install Scanning Service
Installing the Scan Service requires a Windows machine (recommended with Windows 10 or higher) with Microsoft .NET 4.5.2 installed. Running this via a virtual machine has not been tested and is thus, not supported.
- Login to the machine as a local administrator.
- Login to the Batch Manager Tool.
- From the Scanner Not Ready dialog, click Download Scanning Service.
- Open the Setup Wizard (depending on your browser and machine you might need to also "allow" or "keep" or "run" to launch).
- Click Next.
- Review and accept the License Agreement.
- Click Next.
- Review the Destination Folder and change, if needed.
- Click Next.
- Click Install.
- Click Finish.
- Open your preferred web browser.
- Navigate to: https://127.0.0.1:1906/ScannerManagement/ping
- You should see the current version of the scan service returned in your web browser.
- The scan version should be the latest one listed in the Release Notes. Not all updates to BMT upgrade the scan service version, so you may have to look through the most recent notes to find the latest documented version of the scan service.
- If you get any warnings, add this URL as an exception in your anti-virus software or web browser.
- Important: Access to this URL is required for the Scan Tool and BMT to communicate.
2. Configure Scanning Service
- Now, the Batch Manager Scanning Service should be visible in your Windows Services list.
- When returning to the Batch Manager Tool from the Scanner Not Ready dialogue, click Try Again to have the BMT search for the scanning service again.
- From the BMT, create or open a Batch.
- Click on Scanner Settings from the Scan drop down.
Select the correct device.
- Click Save. Once your scanning device is selected, the BMT should remember it going forward.


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Vocal Group Will Be the Country Music Hall of Famer's
Special Guest at Bankers Life Fieldhouse on February 9!
Compelling new country trio Runaway June is being added to newly-minted Country Music Hall of Famer Alan Jackson's Honky Tonk Highway Tour stop at Bankers Life Fieldhouse in Indianapolis, IN on Friday, February 9! Tickets for the concert are on sale now at the Bankers Life Fieldhouse Box Office, any Ticketmaster location, online at ticketmaster.com, by phone at 800-745-3000 and by visiting www.alanjackson.com, where you can find information about Alan, his tour schedule, music and more. VIP tickets and packages are also available.
The news comes as Jackson prepares to kick off his 2018 tour next weekend in Lexington, Kentucky. Dates are scheduled throughout the year, and more will be added and announced.
With three-part female harmonies, ringing strings and stories that speak the language of modern women – vocal trio Runaway June mixes bluegrass tradition with dusty desert cool. Lead singer-guitarist Naomi Cooke, singer-mandolin picker Hannah Mulholland and singer-guitarist Jennifer Wayne (granddaughter of film icon John Wayne) fuse their individual influences to create a style that's already scored chart success.
Alan Jackson's concerts find the country icon performing hits that have gained him legions of longtime fans, songs that continue to draw new crowds as a younger generation discovers his music. Jackson's repertoire withstands the test of time; it has impacted a field of artists who cite Jackson as an influence. It's these same songs – many of them written by Alan – that earned him his newfound place alongside country music's greatest names and cemented his place in its history with his new membership in the Country Music Hall of Fame. Fans will hear the songs they love from the man who wrote them and made them famous, including his debut hit, "Here in The Real World"…signature songs such as "Chattahoochee," "Drive" and "Gone Country"…party anthems "It's Five O'Clock Somewhere" and "Good Time"…and many, many more.
Recently inducted to the Country Music Hall of Fame, Alan Jackson's membership among country music's all-time greats is the latest in a long line of career-defining accolades that include three CMA Entertainer of the Year honors, more than 25 years of membership in the Grand Ole Opry, a 2016 Billboard ranking as one of the Top 10 Country Artists of All-Time, induction to the Nashville Songwriters Hall of Fame, and the Heritage Award as the most-performed country songwriter-artist of ASCAP's first 100 years.
The man from rural Newnan, GA has sold nearly 60-million albums worldwide, ranks as one of the 10 best-selling male vocalists of all-time in all genres. He has released more than 60 singles – registering 50 Top Ten hits and 35 #1s (including 26 Billboard chart-toppers). He has earned more than 150 music industry awards – including 18 Academy of Country Music Awards, 16 Country Music Association Awards, a pair of Grammys and ASCAP's Founders and Golden Note Awards.
Jackson is one of the most successful and respected singer-songwriters in music. He is in the elite company of Paul McCartney and John Lennon among songwriters who've written more than 20 songs that they've recorded and taken to the top of the charts. Jackson is one of the best-selling artists since the inception of SoundScan, ranking alongside the likes of Eminem and Metallica. He's also the man behind one of Nashville's most-popular new tourist stops, AJ's Good Time Bar, a four-story honky-tonk in the heart of downtown (along a stretch of Broadway known as the "Honky Tonk Highway") featuring daily live music and a rooftop view of Music City.
This site is operated by the Pacers Family and Magnitude. To opt out of the sale of your personal information as permitted by the California Consumer Privacy Act, please use the link here.


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Before I begin "Once upon a Box," let me first give a brief glimpse into this morning's message. In a world that would have us believe that truth is a matter of opinion, the Word of God makes clear that absolute truth exists. In Exodus 20, God Himself spoke saying, "I am the LORD" (and over and over in Scripture, we read, "there is no other"!); then, God gives His commandments. These laws actually show man's sinfulness. Paul explains this fact to Timothy–"that law is not made for a righteous person, but for those who are…sinners" (I Tim.1:9ff). Paul himself testified of God's mercy, saying "Christ Jesus came into the world to save sinners, among whom I am foremost of all. Yet for this reason I found mercy, so that in me as the foremost, Jesus Christ might demonstrate His perfect patience as an example for those who would believe in Him for eternal life" (I Tim. 1:15-16). Read Exodus 20 again and meditate on I Timothy 1. . .
which now brings me to "Once upon a Box," for this is a story of a priceless gift to Northside Harvest Baptist Church. . .
Once upon a Saturday, a brown box came . . .
and what was inside?
A priceless gift worth embracing!
And worth showing to all the world! (There were 11 of us again today — two had to leave early and are not in the photo and one, my wife, is taking the photo :))
Yup. Northside Harvest Baptist Church now has (not 12 but 24) new Bibles for our Sunday Services–a special gift from our Sending Church, Sunrise Valley Baptist Church! To each of our brethren there, we give our most sincere "Thank you." Because of your kindness, you have caused great rejoicing in our hearts unto our Lord. As our little Kathleen reminds us everyday through her singing, "God is so good."


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Time for drivers to get out and pushMay 17, 2017 | Andy Cawdell
Saw this on the New Kent Road cycle lane this am.
Whose works are these?
Why no diversion BT!!
A focus on the Tideway SchemeMay 11, 2017 | Andy Cawdell
The 10th April roadworks patrol was a cycle ride and walk around the temporary measures for the Tideway Scheme – especially at Blackfriars Bridge.
Read about it here: Walk and Cycle Ride – Tideway focus 10 April 2017
Proposed Peckham to Dulwich Quietway – route rideMay 5, 2017 | Elizabeth Eden
The other week, some of us rode from Peckham Rye to Dulwich along the proposed new Quietway route with Clement Agyei-Frempong and Joanna Lesak from Southwark Council. This gave us a chance to review it in person, and to hear what the … Read More
Complaining about BusesApril 16, 2017 | Pete
All buses have a number plate and a personal bus number on the side and back.
complaints to London Buses via TfL including bus numbers, date and time plus complaint get a quick positive response IMO.
don't just shake your … Read More
Elephant and Castle AuditApril 13, 2017 | Bruce Lynn
Verdict – Better Overall
Cyclists overall think the new peninsula layout is an improvement. The A3 route, the one with the highest cycle flows, is clearly safer now and more cyclists are using it. The route to St George's Circus … Read More
Roadworks patrol – 20 Feb 2017February 21, 2017 | Andy Cawdell
Another productive ride – thanks Michael and Francis for report
report here – roadworks patrol – 20 Feb 2017 MB
By the way if you are the cyclist in the featured image we would like to know who you are!
Dulwich to London Bridge bike trainFebruary 18, 2017 | Elizabeth Eden
Given that there are strikes on Southern Railways again this Wednesday (22nd Feb), we are running a rail replacement bike train from Dulwich via Peckham to London Bridge.
The bike train is punctual, reliable, never on strike, never overcrowded, and guarantees everyone … Read More
Starting to cycle to workFebruary 14, 2017 | Andy Cawdell
Is it safe? Will I get tired? What happens if it rains? What's the best route? What about the traffic?
A few suggestions are below. Feel free to ask more questions on Facebook at https://www.facebook.com/groups/southwarkcycle/
- take the Bike … Read More
See from inside a Lorry Cab – Exchanging Places 13th FebFebruary 10, 2017 | Pete
Monday 13th February will see The London Borough of Southwark hosting an Exchanging Places event on the Elephant & Castle roundabout with a new HGV vehicle complying to the (TfL) Direct Vision Standard.
The all round vision offered to the … Read More
Cycle parking updateNovember 27, 2016 | Elizabeth Eden
As part of their "Mini Holland" project, Waltham Forest have put in 30 cycle hangers. But with no fanfare at all, Southwark have so far put in 99!
Southwark Council have received requests for another 100 hangers, and are diligently … Read More


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Hello and welcome to the new Utopia Host website,
As you may have noticed we have updated our theme, this is something we are working on to ensure it is up to date and fit for purpose. This may take a little while but we will announce when everything is complete!
We are also working hard on building up our Knowledgebase, with useful support articles to many of the questions we get asked via Discord or via our support tickets.
Until the next update,
Wednesday, March 6, 2019
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Patience is a rare commodity in modern football.
Frank De Boer was sacked by Crystal Palace after just five Premier League games in charge as the Eagles owners realised they had to act fast to salvage a season already destined for relegation.
And it's a similar story for some new signings.
Victor Lindelof's £35m move from Benfica this summer was meant to solve Manchester United's niggling defensive issues.
But the Swede has suffered a nightmare start to his Red Devils career, barely featuring under Jose Mourinho with both Phil Jones and Chris Smalling ahead of him in the pecking order.
And Saturday's defeat to Huddersfield was Lindelof's lowest point yet.
He replaced the injured Jones as a first half substitute and within 10 minutes Huddersfield had scored twice – the same amount United had conceded all season until that point.
The 23-year-old also inexplicably ducked under a long goal kick which allowed Laurent Depoitre to double the promoted side's lead.
Lindelof, as a result, has already been written off by some United supporters who feel he doesn't have the write minerals to cope in the Premier League.
But history suggests he deserves time to prove his worth.
Nemanja Vidic arrived from Spartak Moscow in 2006 with a similar air of uncertainty surrounding his ability.
The Serbian really struggled to adapt in his first six months at Old Trafford and later admitted he initially thought the move was a mistake.
Vidic, in an interview with the Daily Telegraph back in 2014, said he regularly spoke to Patrice Evra about both their slow starts to life in England.
"Sometimes I like to remember how hard it was for us in the beginning. You remember what you have done here and now I am playing every week," he said.
"For us [Vidic and Evra], the league was much quicker, the players were much stronger and in the first few weeks I found that really hard.
"I remember Patrice saying 'can we succeed here? Maybe it is better for us to go back to the places we were at before."
But Vidic was worth the wait.
The Serbian warrior would go on to establish one of the most formidable centre-back partnerships in Premier League history alongside Rio Ferdinand, winning five league titles and the Champions League.
Over 10 years on and Lindelof deserves the same kind of time and respect Vidic was offered.
The young Swede was regarded as one of the best talents in Europe during his time at Benfica and a number of the continent's heavyweights wanted him before United swooped.
He's played just 68 minutes of Premier League football to date, so to regard him as a flop already would be hugely trigger happy.
Lindelof's start to life in England has been hampered not only by a lack of regular minutes but also an injury to Eric Bailly.
There's no way of knowing whether things will improve for the Swede, but writing him off already would be hugely naive.


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Rainbow Slabs
The wet and snowy weather up north this past week forced me to reconsider some previously conceived plans. As well as disrupting a Presidential Traverse attempt, the wintry weather also nixed my plan of climbing Lost in the Sun and A Bit Short in Crawford Notch this week. While optimistic about the rock conditions on the drive to the crag that morning, a quick view from the road shattered any ideas of climbing. The slabs were noticeably wet from the road, and I was not anxious to ascend the approach gully to discover what I knew from the car: climbing was not happening there that day.
Doug suggested heading to Whitehorse Ledge, but I was neither enthused about driving to Conway nor excited about climbing on Whitehorse. After a little discussion, we decided to head to the Rainbow Slabs. Doug and I had ever been to the Rainbow Slabs and we decided that in our best case scenario we would get some climbing in, and in the worst case we could at least suss out the approach, which we had heard could be difficult.
Both guidebooks – the Webster and the Handren – give two approaches to the slabs. The first, and shorter, of the two approaches suggests wading across the Swift River then heading uphill following orange blazes. After standing on the river banks for a few minutes, Doug and I saw no clear path across; at best, we would be wading in up to our knees. The prior day's hiking in wet shoes did not make the prospect of cold, wet feet enticing so we chose option two, which is to drive down the Kancamagus highway to the Covered Bridge parking lot.
From the Covered Bridge parking lot we followed the Nanamocomuck Ski Trail to the orange blazes uphill. The path is easy to follow and the orange blazes are supplemented with some small cairns. Keep your eyes open and the trail is easy to follow. The Webster guide suggests that this approach adds forty-five minutes, but I would estimate it adds only about thirty minutes on the way in and twenty minutes on the way out. It is an easy and pleasant walk that parallels the Swift River and seems to be a much safer option than fording the river. This way also allows you to park in a fairly busy lot as opposed to the side of the road. It is probably safer for both your car and whatever is inside it.
Upon reaching the slabs, they were (not surprisingly) pretty wet. We were able to manage a few pitches and I am anxious to return. The climbing is typical New Hampshire granite slab climbing, and the rock quality is excellent. The location itself is also spectacular, offering great views from a unique vantage point. Furthermore, it does not seem like many people make the trek to the slabs, and I imagine you will have the crag to yourself most days. A return to Rainbow Slabs is certainly on my list of things to do. If the weather cooperates with climbing perhaps I will make it back before the end of fall.


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Did you ever read a book that scared you so badly you couldn't even finish it? You just kind of flicked through the pages to make sure you understood how it ended, and then, you threw the book out? Because it was THAT scary?
I did.
*Deep quavery breath*
Okay. Now I'm headed to bed to read Anne of Avonlea.


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My View: Capital delves into the heart of a warty problem
As someone who once sat on a cane toad as a child, I am no defender of the beast.
We were playing spotlight in suburban Brisbane. It was dark.
I had the perfect hiding spot and was prepared for a long wait, until I lowered my backside. It collided with a large toad.
It's hard to know who was more repulsed and outraged, and I did not win spotlight.
Growing up in Queensland, I was more than familiar with the blobs in the dark, and convinced any contact would result in warts.
Other kids in the neighbourhood found them useful for cricket practice.
Adults who thought themselves humane would put them in bags in the freezer. My parents didn't go in for that sort of thing.
Then, a little later, I watched the documentary Cane Toads: An Unnatural History. The images of enormous cane toads as playmates and surrogate dolls remains with me to this day.
They are magnetically repellant. They are epic. They have become, sadly, Australian.
As a resident of Cairns, I can remember enjoying an evening at a pub near Innisfail in a cane paddock, and looking out the door to see hundreds and hundreds of toads, advancing quietly.
They are magnetically repellant. They are epic. They have become, sadly, Australian. They are advancing, every bit as determinedly as they laid seige to that pub.
Some would think they have long been at home in Canberra, at least in Parliament House, but the truth is they are still huddling on the fringes, showing up attached to a semi, quietly cursing because they thought they were en route to Sydney.
I suppose that's why the House Standing Committee on the Environment and Energy has just released a report into controlling the spread of cane toads.
"Unless we take action, one small hop for a cane toad might turn into a giant leap for their kind," chair of the committee Dr David Gillespie announced, apparently with a straight face.
The solution? That funding be made available for various practical control measures. One wonders how long it took to get to that conclusion.
More helpfully, it has endorsed methods other than cricket bats and plastic bags - establishing a waterless no-go zone between the Kimberley and Pilbara, various other efforts intended to stop toads reaching untouched areas; and expanded use of cane toad tadpole traps.
It's time to stop the march of the cane toad. The war is on.
Don't be surprised if you are called on to stand sentry.
Just as long as you don't have to sit.
Marie Low is an ACM journalist


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35 rue du Faubourg Monmartre. A street that's a little off centre, more than a little off the beaten track, and stumbled upon only by accident. And home to A le mere de Famille, Paris' oldest and most famous confectioners.
The shop is gorgeous. Filled to the bursting with sweet treats like the candied fruits above. They have a huge amount of (very creamy) chocolate, but the rest of their wares are just as tasty.
The packing might be simple, but it's elegant and perfect. Detail is important in this shop. And so is interior design for that matter.
Such pretty fixtures. Think classic French and old curiousity shop elegance (as only the French could do so well).
It's like Willy Wonka chocolate factory! Only real, and a bit more expensive.
Isn't it pretty? Everything just so. Unfortunately there are no samples – probably to stop pesky people like me buzzing around the counter like an annoying tourist.
Not a huge sweetie fan? There's lots of jams and jellies to choose from as well.
A bar of chocolate will set you back around €4, and there are some great bargains if you're willing to look around. The shop is geared up for tourists (although I'm sure that wasn't the case back in 1761) but everything you buy here will be tasty. A la mere de Famille is an institution and just strolling through back streets from the Pompidou will lead you here. It's a beautiful shop and you should definitely pop your head through the door. Bet you don't come out empty handed.
There's also the temptation of delicious Parisian pastries as described by Andy, can it really be true that French women don't get fat with all these goodies on offer?
More Paris Tips
Paris is in Europe a la Carte's top ten European cities to visit. Read our "Best of Paris Tips" to help you plan your visit to this lovely city. Find out about must-see Paris museums.


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We are pleased to offer a secure way to give online. Thank you for your faithful support of this ministry!
Where is the church? What do I wear? When are the services? Tell me what I need to know.
A daily devotion to help you GROW in Christ!
We believe the church exists to connect with God, to serve others, to train in Biblical teaching, and to reach people with the Gospel of Christ. Find out more of what we believe and what our church offers.
We believe our church is not just a building, but a community of believers who live beyond the borders of the church. We love our community and believe together we can make our community great! Find out what our church does to serve our community.
We believe in sharing our resources with those who need hope. We partner with missionaries in the U.S. and around the world to advance the Gospel, so all can hear.


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Ride-On Toys
Battery Powered
Pedal Powered
Push Powered
Misc. Toys
Gas Powered
Electric Powered
Misc. Products
Power Tools
Replacement Parts
Universal Parts
Custom Payment
Warranty / Support
Manuals / Diagrams
Contact Us
Dealer Application
* denotes required field
This 6V rechargeable Ride-On Golf Cart features foward and reverse motions, foot pedal accelerator, horn and back up warning buzzer and large realistic golf cart tires. The Golf Cart also features a golf bag, clubs, golf balls, tees, water bottle and holder. 6V Battery included. This vehicle is for the kids age 3 years and up with weight between 25 lb to 66 lb.
This product contains one or more chemicals, including lead, known to the State of California to cause cancer and birth defects or other reproductive harm. For more information go to http://www.p65warnings.ca.gov/


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Vivatec toothbrush is co-developed with Osaka Pediatric Dental University.
The highlighted 360-degree toothbrush is specially designed with sole patent technology.
Each bristle layer can be rotated individually to protect gums and tooth from getting hurt when applying too much force during toothbrushing.
The Vivatec 360˚ Toothbrush does not have grooves for bristles like usual toothbrushes, which use copper wire to hold the bristles in place. No survival advantage to germs and bacteria.


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The search for an effective treatment for Alzheimer's has continued to elude researchers. A growing number of researchers contend this is because current research is focusing on the wrong area—the end pathology of the disease, not its root cause.
For more than 20 years, Brian Balin, PhD, and his team have been working under the hypothesis that infectious agents—in this case, Chlamydia pneumoniae—could be a trigger for the process that causes the accumulation of amyloid and tau build-up, which are key indicators of Alzheimer's disease. In fact, their research thus far has shown the presence of the intracellular bacteria in the brains of those who had died from the disease.
In this month's issue of The Lancet Neurology, he and co-author Alan Hudson, PhD, at Wayne State University, call for more funding for this rapidly growing area of research to determine if antimicrobial agents could be an effective strategy for treating a disease that currently has had very little success with therapeutics.
"Answers to the questions of Alzheimer's disease, and possibly other neurodegenerative conditions as well, does not reside solely in the pathology, but rather in the route to that pathology, for which infectious agents provide biologically and pathologically relevant solutions," wrote Drs. Balin and Hudson.
Dr. Balin argues that many researchers from across the country and the world are finding that infectious agents are being harbored in the brain, and can trigger another factor: inflammation. He describes it as firing a gun.
"You can have a loaded gun, but the trigger has to be pulled to inflict damage," he said. "In the case of Alzheimer's, the bullet is the infection, and once triggered, the infection will result in inflammation in the brain; genetic predisposition, trauma in the brain or even the aging process itself may exacerbate this process."
Dr. Balin adds that the growing body of work in this area can no longer be ignored.
"We've been hearing the amyloid/tau story for 30 years, but it hasn't given us any answers as to why the disease occurs," he said. "We need a better understanding of the upstream cellular processes that lead to this outcome, and we need the support to do that."
This charge laid out by Drs. Balin and Hudson in their latest paper comes after a 2016 editorial in the Journal of Alzheimer's Disease that Dr. Balin co-authored with 32 other researchers from around the world. In it, the authors called for more research on the role of infection in the onset of Alzheimer's and the need for clinical trials to begin using antimicrobial treatments.
"Anti-amyloid drugs have not been successful thus far," explained Dr. Balin. "It's time to focus on trials that explore the use, possibly in combination, of antibiotics, antivirals and anti-inflammatories as a method of slowing the progression of Alzheimer's or, perhaps even stopping it completely. This avenue of research into the cause of Alzheimer disease can no longer be ignored."
Founded in 1899, Philadelphia College of Osteopathic Medicine has trained thousands of highly competent, caring physicians, health practitioners and behavioral scientists who practice a "whole person" approach to care—treating people, not just symptoms. PCOM offers doctoral degrees in clinical psychology, osteopathic medicine, pharmacy, physical therapy and school psychology, and graduate degrees in biomedical sciences, forensic medicine, mental health counseling, organizational development and leadership, physician assistant studies, school psychology, and public health management and administration. Our students learn the importance of health promotion, research, education and service to the community. Through its community-based Healthcare Centers, PCOM provides care to medically underserved populations in inner city and rural locations. For more information, visit pcom.edu.
Daniel McCunney
Associate Director, News and Media Relations
Email: email@example.com
Office: 215-871-6304 | Cell: 267-449-1360


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I recently had the honor of being interviewed for a brand new podcast called Women Who Wonder. It was created by one of my Artist's Way students from last year, Renee Hyde. The series is "tells the stories of nomads, creatives, entrepreneurs, and any woman who can relate to defining...
(click for more...)
Empowerment through art.
Art empowers. Art influences. Art has the power to soothe or enrage. Art inspires. And as Picasso said - Art washes away from the soul the dust of everyday life.
My personal mission is to inspire and awaken possibilities in others. I do this not only through creating art, but also by helping people get in touch with their creative selves, and helping them live more authentic lives. I believe I'm doing exactly what I am here to do.
Express yourself: learn as you create in a class, or get one on one coaching at one of our Freestyle Studio Sessions. Or take in one of our art shows. Click here to see what's happening in the studio.
Prints, tote bags and more available at TabethaLandt.redbubble.com
I'm looking for partners to join me on this artistic journey. Being a patron means that you help bring art and beauty into the world! Now through the power of crowd funding, you can become a patron for as little as $1 per month. And, there are rewards for being a patron. Depending on your level of support, you'll get printable downloads of my art, free classes, tutorials, original art, and more.
You can find more information or sign up at: http://patreon.com/tabetha
I hope you join me in this creative partnership!
You can find more information or sign up at: http://patreon.com/tabetha
I hope you join me in this creative partnership!


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Our Company
Brief History
Since 1979, Pascall Promotions, a family owned and operated company, has built its reputation on solid Expertise and Customer Service within the Corporate Gifts, Promotional Products, Awards and Incentives industry.
We have seen the Promotional Products Market evolve from its humble beginnings to the powerful advertising medium it is today.
With so many options for so many products Pascall Promotions has undertaken to assist you in finding the perfect product(s) for your promotion quickly and efficiently.
Our Aim
Our aim is to use our massive knowledge base and experience since 1979 to create a website system that portrays the very best of the promotional product supply chain to the Australian industry and to reduce the massive number of products that you would otherwise have to wade through to find what you want, saving you time, money and frustration.
Entering "mugs" into a site to try and fine a custom printed promotional coffee mug that returns 100's of selections is too overwhelming and confusing for the client.
What risk are you willing to take on your Promotional Product representing your company and brand?
- Can the supplier be trusted?
- Do they use quality Mugs and Cups?
- Is the ink applied correctly for the decoration?
- Are they using the correct decoration method for the mug or artwork?
- Will they be delivered on time?
Pascall Promotions is here to help you find the best premium quality product(s) and correct decoration method that suits your artwork for the product(s) selected.
Our Concept and Focus
Firstly: To create a website based linking system to the best manufacturer/agents and product ranges the industry has to provide. These will appear in our MAIN SITE: at All Promotional Products Australia (currently under development)
Secondly: To create specialised small, easy to use mini niche sites with specific concentrated ranges of quality premium products in a particular category just like this one has been created for coffee mugs.
For example this site brings to you the best range of custom printed promotional coffee mugs and cups decorated in Australia, in one easy to use site
A number of additional sites will be rolled out in the very near future.....we will keep you up to date!


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My day
>> Saturday, December 09, 2006
I layed in the sun today.
On December 9th.
I layed in the sun today.
On December 9th.
Read more...
Two more weeks will I sleep alone.
Then I will be in my home on the 22nd.
Then I will be with my husband (where I belong) for the rest of our lives. (Barring neither of us decides to move to another country, thus starting another 5-month long separation.)
I can't believe we've almost been living apart from one another for 5 months.
It's flown by and dragged on.
It's been depressing and exciting.
It's been exhilarating and scary.
It's tested us, pushed us and has solidified one thing:
I love him, love him, love him. Without him I'm not as strong as I thought I was.
He's allowed me to try something new. To live "independently," to go after my dreams. To do what I needed to do. He's let me be me.
He's exactly what I had inscribed on his wedding band - He's my everything.
He's comforted me through tears over the phone. He's taken care of every last detail of our "Ohio lives" so that I could concentrate on starting this chapter. He's trusted me, loved me, and believed in me.
I'll say it again: I love him, love him, love him.
Read more...
On Saturday I was at the office doing some work (I'm a loser) and my sister called me to tell me to go to one of the two gas stations in San Jose because the rumor around town was that we were out of gas.
(We rely on Semi tanker trucks to bring us our gas and if they're delayed, well, then we have no gas.)
So, off I went.
Check out the line.
It took my sister an hour.
It took me about 25 minutes. Totally an adults' version of a piñata beating -- hurry up, cut in front of other cars! Try to be first! They're SO good at creating lines. I was up to get gas and of course, a truck cut in front of me. I'd say he was 2 cm. from hitting me. I (for some reason) honked and yelled at him. (I was kinda worried that he was was going to kill me afterwards, but I'm totally alive and well.)
Ok, so all of the chocolate that comes to our stores is trucked in. It's a long, long drive. In an semi.
During that time the most rancid thing happens: the chocolate melts, re-solidifies into a weird waxy mess - and then is put on the shelves of our grocery stores for all of us to buy and "enjoy."
Case in point:
I recently purchased a bag of Hershey Kisses. Why? I need chocolate randomly throughout my day. The bag is a flippin' crap shoot. Sometimes, there are chocolate "kisses" (more like waxy blobs) that are completely OUT of the foil. Other times, the chocolate has turned this odd white color. (And it's milk chocolate.)
How does a Gringa get a not-re-melted, hard-as-a-rock piece of milk chocolate?
All is just fine.
The weather has turned, there's been some crazy wind at night -- but it's sleep-with-the-windows open weather.
Still no place to live.
Put an ad in the paper today to sell my car.
C. & I are getting through our list of "to do's". That's positive.
I haven't done ANY Christmas shopping and I'm thinking about skipping dealing with that this year. I have no time. And when I get home, I DO NOT want to be spending my 2 days before Christmas at the flippin' mall.
Going to bed.
'Twas a rough weekend for me.
Here's to a new week.


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OSPF LSAs and Area Types
January 6, 2013 Leave a comment
I know this is a fairly large set up but believe me it teach you practically everything you need to know about LSAs and different ospf area types. I have to admit this is not something I've created myself. I stumbled upon this video on youtube http://www.youtube.com/watch?v=7LzrvCvb-Ro&list=PLC6197249373E47E9 made by one of the best network instructors out there Keith Barker and then thought it would be great to lab it up and configure everything with Keith.
I also thought of adding another ospf area number 3 and connect it to area 1 where then we would have discontiguous areas ! and for a fix we would have to use either GRE Tunnel or Virtual Link but as you can see I did not do it just to avoid having too many devices to work with and Virtual link and GRE Tunnel I will explain in another post.
Please go ahead and download following net file and build your topology
Please download following basic config , copy and paste them into relevant devices
As a side note: if you've already visited my other post https://ccie4all.wordpress.com/2012/11/03/ccie_gns3_topology_/ and managed to built you topology presented in CCIE GNS TOPOLOGY post then YOU DO NOT have to use the files provided in this post and build the topology from scratch cause you will easily be able to recreate above set up once you've got CCIE GNS TOPOLOGY running on your machine. You will have to use few subinterfaces on your routers , add few vlans on switches but believe me it saves hell lot of time and most importantly it teaches you many important configuration and troubleshooting skills what you will have to face in yur R&S lab exam and the real world also that way you only have one gns3 network on your PC that DOES IT ALL for you
Check out this cisco tutorial about OSPF area types (although it does not explain the Not So Totally Stubby area)
Thought it'd be good to add LSA types and various stub configuration.
Type 1 – Represents a router
Type 2 – Represents the pseudonode (designated router) for a multiaccess link
Type 3 – A network link summary (internal route)
Type 4 – Represents an ASBR
Type 5 – A route external to the OSPF domain
Type 7 – Used in stub areas in place of a type 5 LSA
Stub Areas
A stub area allows Type 2 and Type 3 LSAs. Type 5 LSAs are NOT passed into the area. The ABR injects a type 3 LSA containing a default route into the stub area.Filters the LSA-type 4 and 5.You will just have inter-area routes inside this area (routes with the "IO" code)
ABR(config-router)#area 51 stub
ABR(config-router)#area 51 default-cost 10
Defines the cost of a default route sent into the stub area. Default is 1.
INTERNAL(config-router)#area 51 stub
- Note
All routers in the stub area must be configured with the area x stub command, including the Area Border Router (ABR).
- Stub= No type 5 LSAs and default route
Totally Stubby Areas
This is Cisco proprietary.Like stub areas, totally stubby areas do not receive type-3 , type-4 or type-5 LSAs from their ABRs . All routing out of the area relies on the single default route injected by the ABR
ABR(config-router)#area 51 stub no-summary
INTERNAL(config-router)#area 51 stub
- Note
Whereas all internal routers in the area are configured with the area x stub command, the ABR is configured with the area x stub no-summary command
- Totally Stubby – ONLY Type 2 LSAs and default route
Not-So-Stubby Areas (NSSA)
This area is used when you are redistributing external routes. An NSSA makes use of type 7 LSAs, which are essentially type 5 LSAs in disguise. You will see "IO" routes (they are in the routing table because of the type-3 LSAs) also "N1/2" routes which represents the NSSA area. This allows an ASBR to advertise external links to an ABR, which converts the type 7 LSAs into type 5 before flooding them to the rest of the OSPF domain.Type 3 LSAs will pass into and out of the area. Unlike a normal stub area, the ABR will NOT inject a default route into an NSSA unless explicitly configured to do so with
ABR(config-router)#area x nssa default-information originate
As traffic cannot be routed to external destinations without a default route, you'll probably want to include above command.
ABR(config-router)#area 1 nssa
INTERNAL(config-router)#area 1 nssa
- Note
All routers in the NSSA stub area must be configured with the area x nssa command.
- NSSA – Type 2, 3, and 7 LSAs with default route
Totally stub not-so-stubby area (totally NSSA)
This is Cisco proprietary.Filters type-3 ,type-4 and 5 LSAs, so inside the area you will only have a default route, besides the "N1/2" routes that are normal on that type of area.
ABR(config-router)#area 11 nssa no-summary
INTERNAL(config-router)#area 11 nssa
- Note
Whereas all internal routers in the area are configured with the area x nssa command, the ABR is configured with the area x nssa no-summary command.
- Totally NSSA – Only Type 2 and 7 LSAs and default route


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Conservative Leader Andrew Scheer has been promising to "lower the cost of living and leave more money back in your pockets," but a new report shows his plan to help you "get ahead" wouldn't actually be the best path to making life more affordable.
Generation Squeeze, a national research, education and advocacy organization for Canadians in their 20s, 30s and 40s, analyzed each party's plan using a number of metrics, which can be found here.
The report looked at housing affordability, affordability of starting a family, and fairness of budgets across generations. The Conservatives ranked last in each category.
Paul Kershaw, UBC professor and founder of Generation Squeeze, says he isn't telling anyone who to vote for. Instead, he hopes to get to the bottom of whether or not the parties' proposals will actually make a difference.
"We orient this report in part to parties. Gen Squeeze thinks we share some common goals, like housing and family affordability. We're using the best available evidence from the academy to identify game plans to achieve those goals, and show how parties align," Kershaw told Yahoo Finance Canada.
One of the biggest issues — especially for young voters — is housing affordability. Scheer has pledged to scale back the mortgage stress test and bring back 30-year mortgages.
"We can't simply assume we can solve the housing affordability crisis by encouraging younger Canadians to borrow more," Kershaw said.
Kershaw said there are some bright spots in Scheer's housing affordability plan, including the proposed task force on money laundering. He also supports making more federal land available for affordable housing, as long as the land isn't sold off.
"If we are making federal lands available, we need to lock in land prices as a public asset for good that will be free from speculative forces, rather than sell it off for short-term deficit reduction," he added.
The Conservatives are also promising a number of tax incentives that will save families a few hundred dollars each year, but Kershaw says those don't go far enough.
"The tax cuts that the Conservatives are proposing are not sufficient to compensate for the fact that rents are so much higher than in the past, and child care costs another rent-sized payment today," he said.
Scheer also has a plan for parents, including making parental leave benefits tax-free.
"The Conservatives are definitely wanting to make time at home with a new baby slightly more affordable," said Kershaw.
"We think they should make it dramatically more affordable, especially as the 'family values' party, but it's an incremental step in the right direction," said Kershaw.
The Conservatives fare particularly poorly when it comes to intergenerational budgeting, receiving a negative score.
Jessy Bains is a senior reporter at Yahoo Finance Canada. Follow him on Twitter @jessysbains.
Download the Yahoo Finance app, available for Apple and Android.


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Street Style | Week of Sept. 8, 2014
How to Pull Off Casual Calm Amid All the Chaos
How to Pull Off Casual Calm Amid All the Chaos
At this point, we're well into Fashion Week, and frankly, we're pretty tired of putting together outfits that appear effortlessly stylish but are actually pretty thought out. But this isn't about Fashion Week. This is about taking a moment to step away from all the killer, awe-inspiring tricks we've been lusting over in the streets. Because at this point, we need a breath of fresh air.
Luckily, our favorite bloggers have heard our cry. It's not that the nine looks featured below are boring — in fact, they're the opposite. They're strikingly simple, comfortable, and live-in casual. Of course, that means something different for every girl's style. Whether it's a pair of trainers, an oversize varsity jacket, or a baseball cap that makes them feel at ease, the girls ahead show that catering your outfit toward your mood can speak just as loudly as extreme heels and a bunch of layers.


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With $4.9 million in unspent campaign money and less than two weeks before the Democratic primary, Mayor Bill de Blasio will launch a $2 million television advertising effort on behalf of his re-election, debuting his first spot on Thursday night.
The 30-second advertisement, featuring piano backing, smiling families and biographical photographs of the mayor with his wife and children, focuses on what has been among Mr. de Blasio's signature achievements of his first term: the creation of a universal prekindergarten program for New York City children.
"Being a father changed my whole understanding of the world," Mr. de Blasio says at the start, wearing a jacket and no tie, in what the producers described as an unscripted interview. "I started seeing the world through the eyes of a parent — and you start seeing every child as your own."
The ad ends with the campaign's slogan — "This is your city" — and an instruction to "vote on Sept. 12."
It may seem counterintuitive for Mr. de Blasio's campaign to wait until the final days before the primary to begin its television advertising; the campaign, after all, had argued to city campaign finance officials that the mayor faced significant enough opposition to warrant additional public funds.
And a television ad featuring Mr. de Blasio's son Dante in 2013 has been credited with boosting Mr. de Blasio's rise to the top of a crowded heap of Democratic candidates, and eventually his perch in City Hall. The consulting firm behind that ad, AKPD Message and Media, also produced the new one, which touches on similar themes of personal biography.
But whereas in 2013 the airwaves were crowded with advertising from groups supporting and opposing the various candidates, this time around, Mr. de Blasio will be largely alone. Independent groups have stayed out of the race, and his most prominent Democratic opponent, the lawyer and former city councilman Sal F. Albanese, currently does not have enough campaign cash in his account to buy time on television.
In anticipation of a television onslaught, Mr. Albanese created a trio of videos for the internet that his campaign said were broadcast quality — in the hopes he may still raise enough money to broadcast them.
Mr. de Blasio's Republican opponent, Nicole Malliotakis, a state assemblywoman representing parts of Staten Island and Brooklyn, does have the money and has been preparing advertisements, her campaign said. An independent candidate, Bo Dietl, began some television advertising in July.
"People are away or not in front of their TV, so it's logical that with limited resources he would wait until after Labor Day to go up on the air," Jessica Proud, a Republican political consultant, said of the mayor.
For Mr. de Blasio, one of the biggest challenges of his primary may be a lack of enthusiasm in the race and low voter turnout. Thus far, his campaign strategy has been to mobilize the mayor's supporters through a fund-raising effort aimed at small contributions with repeated email requests for donations of as little as $3. The theory is that small-dollar contributions create a connection, making the donor more likely to actually go to the polls and vote. The campaign has also organized groups around the city and amassed endorsements from labor groups and elected officials.
Before the advertising began, the mayor's campaign had spent $2.5 million on those efforts, including 25 full-time staff members and consultants that work with them, as of the last campaign filing. A new filing is expected on Friday; the mayor can spend as much as $6.9 million in the primary.
"We're going to continue to invest in organizing," said Rick Fromberg, the campaign manager for Mr. de Blasio's re-election. He said other ads could appear but would not describe the potential subjects under consideration.
Bradley Tusk, a former campaign manager for Mayor Michael R. Bloomberg, who at one point publicly sought a candidate to run against Mr. de Blasio, questioned whether the mayor's campaign wanted turnout beyond his base of labor unions and the city's more liberal circles. "If you're going on TV for just the final week or two, it's clear you have no interest in seeing turnout rise beyond what you know you can control," he said.
Mr. Fromberg disputed the idea that the campaign would not want to target the widest number of voters.
"If that was our strategy, we wouldn't make this ad very broadly seen and remind people to vote on Sept. 12," he said.


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Traditionally, back in the old days all bakeries in Bangalore were called "Iyengar Bakery". Any Bangalorean will get nostalgic when you talk about these bakeries and some of the classic snacks served there – the Vegetable and Egg Puffs, Onion Tomato Sandwich, Potato Bun, Sweet Bun, Khara Bun, Dil Pasand, the multitude of biscuits and spicy snacks etc. There are still many of these bakeries today, still rustic and classic in how they are run and what they serve.
The face of the bakery has changed over the past several years. And boy have taken the word bakery to a new level! What with serving the ever growing South Bangalore working class, student population from various parts of the country. On a balmy evening in Bangalore you can see quite a crowd outside these bakeries, all of them sipping chai and eating a samosa or a Samosa sandwich or a Jam Butter Sandwich etc.
Today recipe is from the Bakery Kitchen – a classic tea time snack, innovation at its prime 🙂
Peanut Masala Buns
You will need:
Sandwich Buns or Burger Buns – 4 or 6 as per count needed
Butter as needed
For the Peanut Masala:
1 box of Spanish Peanuts or any store bought salted roasted peanuts (In Bangalore they use the spicy variety of peanuts called "Congress" – spicy, red and broken into half these are to die for!)
1 Onion – Chopped fine
3 Green Chillies – Minced or chopped fine
1 Carrot – Grated
1/2 cup Chopped Cilantro/Coriander leaves
1/2 tsp Red chilli powder
1 tbsp Grated Coconut
1/2 Fresh Lemon/Lime
Salt to taste
1. Chop the onions, greem chillies and cilantro. Grate the carrots and keep aside.
2. Combine all the ingredients for the Peanut Masala, except the Peanuts in a mixing bowl and mix well.
3. Add the above mixture to the peanuts and mix well. Top with chopped cilantro and grated coconut. Squeeze fresh lime and mix well. This Peanut Masala can also be served as is..it makes a very tasty snack.
4. To assemble the Peanut Masala Buns: Spread butter on the insides of the bun and toast on a griddle.
5. Spread sweet tamarind chutney on the isnides of one half (this is an optional step)
6. Spread the peanut masala mixture on one half of the bun. Top with the other half and serve.
7. Spicy and tasty Peanut Masala buns are ready to be served with Tea.
Hope you enjoyed my post. Thank you for stopping by!


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Being both a fan of the actor Alan Cumming and genealogical shows like "Who Do You Think You Are?" and "Finding Your Roots," I eagerly checked out "Not My Father's Son" by the talented Mr. Cumming. I knew it would not be a frolicsome read from the reviews which alluded to the abuse Cumming's father dealt out to his family, but I was prepared.
I was not aware that the original "Who Do You Think You Are?" series began in England in 2004 and spawned Irish and Australian versions before the American version started in 2010. Many of them are available on YouTube, but I refuse to be drawn down that time sink!
At any rate, in 2010 the production company approached Cumming about appearing on the program. He immediately said yes, primarily because of the family mystery about his maternal grandfather who had fought in World War II and subsequently left his family and died under mysterious circumstances in Malaysia.
Around the time that production was starting, Cumming did some interviews and (as is often the case with English journalism) there were some misstatements. Some of them greatly angered Cumming's father, with whom he had had little contact since he left home at seventeen to work for a year before attending the Royal Scottish Academy of Music and Drama.
Cumming's older brother Tom called to tell him he needed to speak to him urgently. He refused to discuss whatever the issue was on the phone, but immediately began the three hour trip to see his younger brother. After he arrived, the brothers sat down and the by now rather distraught Alan asked what the problem was. His brother told him that their father had called him ten days earlier to give him a message to relay to Alan. What message? "He told me to tell you that you are not his son."
Now, given the title of the book I wasn't in complete shock to read that, but the circumstances were certainly shocking. He told Alan's brother to tell him? Huh? What kind of man would deputize one son to tell another something like that? Well, the book answers that, and it's not pretty. Cumming senior was, at best, a man with undiagnosed psychiatric disorders. At worst, a monster. Either way, he made both boys' lives miserable for most of their childhoods. He was a dreadful husband, to boot, although I kept wondering why the boys' beloved mother didn't find a way out of the situation before the boys were both grown and gone, as she eventually did.
I don't want to give away anything about the discoveries made and the past revealed in the book, but the book is both interesting from a genealogical viewpoint and as a memoir of a terrible childhood. It is extraordinarily well-written and I found it engrossing. I was hard pressed to put it down to eat or sleep. I can only hope that Mr. Cumming feels an urge to write more in the future. I would listen to him read the phone book, and I think I would read his shopping list!


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Middle School Matters - Nov 11, 2016
General Announcements:
Come help ACS Outdoor Ed raise the barn!!! The service team invites any and all to help raise the barn and other outdoor ed yard help needs this Sat, Nov 12. No tools or experience needed. Drop off your student or come as a family! Come as early as 8:00am, Middle School Service team will officially be there from 10:00-noon. Hope to see you there.
Wednesday Wars Trip for 6th and 7th: Fri Nov 18: The 6th and 7th graders will attend South Christian's matinee play of The Wednesday Wars. Students will NOT be able to order hot lunch on this day as we need to leave school at 11:25. Please pack a sack lunch for your child and look for a permission slip in your email.
Fifth Grade:
Art: The 5th graders continue to cut their block print designs out of the block material. The goal is to be ready for printing after Thanksgiving break.
Band: Monday: FULL BAND (this is a change), Tuesday brasses, Thursday WW/Perc. Our first concert is Thu Dec 01 during school, at 2:30pm.
Bible: We have started learning more about the country that was assigned to each 5th grader and the people that come from it. We had a great rice week and are learning each day to appreciate more the abundance God has given us. Today was our Water Walk - we successfully made it to the Thornapple River and back, gaining empathy for what some people do every day to bring water to their families. Also, Cookie Dough Factory next Thur/Fri! Please sign up to help if you are able.
Math: Comparing, ordering, adding, subtracting, multiplying and dividing decimals.
PE: We have put our volleyball skills to the test with game play this past week. We will wrap up our volleyball unit next week with more game play.
Spanish: Memory Verse (Psalm 24:1 in Spanish) on Tuesday for all 5th graders! A sheet containing both the English and Spanish translations were given to students earlier this week, and students should know both.
Sixth Grade:
Missing Work: There are many 6th graders who have collected quite a list of missing assignments. Please check with your student to help them come up with a plan for getting their work turned in before the end of the trimester (Mon 11.28)
6th Grade Laptops: Beginning Mon 11.28, your 6th grade child will be coming home with their school laptop each night. If you haven't already, please talk with your child to clarify the expectations for laptop use when it is at home. Please look over some important information and details as you talk with your child.
Friday Devotions: Would you be willing and available to lead us once this year? Click here for a sign-up for upcoming dates.
Art: 6th graders work to complete the first project on how they visually represent how the artist see God at work in their life. Please check the homework calendar for project due dates and sketchbook homework.
Band: Some of our 6th graders did solos for judges and did a GREAT job! Yay, you! Special thanks to Mrs. Nitengale, our wonderful accompanist. Next up: Dec 03 we have the Ada Christmas Parade - info will come via email to all band parents!
Bible (Koetje - 6Ki): We will begin working on a project in which we will look at specific stories in the Old Testament and see how they point towards Jesus in the New Testament.
Bible (Westrate - 6W): We're completing our study of Job and will soon move on to our next book from the Wisdom and Poetry section of the Bible: Proverbs.
History: We are continuing our study of Ancient Egypt. Global Studies Weekly will focus on Canada.
Language Arts: Next week is a big week in language arts. On Tuesday, students will hand in an assignment on Tuck Everlasting. This is worth a quiz grade. On Thursday, students will have "my" words spelling test.
Math: We will be wrapping up our chapter on fractions. On Tuesday, students will be taking a test. We will then begin studying ratios and rates.
PE: We will wrap up our volleyball unit next week with a short quiz. The quiz will be on Wednesday. Students received a review sheet which can also be found on Moodle.
Science: We continue to study air and pressure. A quiz over investigation 3 will take place on Tue 11.15. Students should be able to answer the "Focus Questions" in their notebook and describe in-class activities in detail along with the scientific concepts they demonstrate.
Spanish: Memory Verse (Psalm 24:1) in Spanish is due Monday for all 6th graders. Also, if students did not complete their self-portraits with sentences on Friday, they may work on these over the weekend to be turned in on Monday. Details are on Moodle. (Emphasis is on Spanish grammar and vocabulary, not artistic ability. But neatness counts!)
Seventh Grade:
Algebra (7th): Chapter 7 Test is scheduled for Wednesday on Linear Systems.
Art: 7th graders are working on practicing cutting with Xacto knives for their upcoming project and at the same time they are working to design a robot that would help them out with a problem or issue that they face in their daily lives. Please check the homework calendar for project due dates and sketchbook homework.
Band: What excellent work playing for the judges for Solo and Ensemble. YAY! Huge sighs of relief and thankfulness were heard all round. Special thanks to Mrs. Snell who accompanied for many of the 7th graders.
Bible (Wanner): 7th grade is working on learning and understanding prayer more. This coming Tuesday 11/15 each 7th grader need to have collected a prayer story from an adult and written this into their prayer journal. Requirements for this project were discussed and are clearly found on the project handout passed out this Wednesday. Don't forget to be studying for the Bible memory quiz.
Bible (Huttenga): the 7th graders will continue discussing sermons. An out of school assignment related to the topic will be revealed in the coming week.
History: We are learning about East and Southeast Asia this week.
Language Arts: We will be concluding our unit on The Witch of Blackbird Pond with a test on Tuesday, November 15. We will then spend our time leading up to Thanksgiving by combining research and creative writing for an interdisciplinary project that ties together writing, art and outdoor education.
PE: We will wrap up our volleyball unit next week with a short quiz. The quiz will be on Monday. Students received a review sheet which can also be found on Moodle.
Math: Students will be taking their test on rational numbers early next week.
Pre-Algebra: We continue to work with Ratios, Rates, Conversion Factors, and Proportional vs Non-Proportional relationships.
Science: We will be spending some time studying plant structures, transpiration, and preparing for our Diversity of Life test which will be on Thursday.
Spanish: Memory Verse (Psalm 24:1) is due Wednesday for all 7th graders. Both English and Spanish translations are posted on their Moodle site.
Eighth Grade:
8th Grade OE Workday: Next Friday afternoon our 8th grade students will be helping Mr. Hoo and Mr. Boerkoel do a little cleaning up out and around our OE space. All students are encouraged to bring some work clothes, shoes/boots, and a pair of gloves for Friday afternoon. The band will be wearing black and white for a band trip that morning, please send clothes to change into for their afternoon.
Graduation Pictures: Please keep sending in those graduation pictures if you would like something different than the school picture in the yearbook. Mr. Witte would like to collect all of those pictures by Thanksgiving Break.
Algebra: We will be finishing up chapter 5 next week and getting ready for a test before Thanksgiving break.
Art: 8th graders continue to work on building the walls of their ceramic pots. Walls and tops should be completed by Thanksgiving break. Please check the homework calendar for project due dates and sketchbook homework.
Band: Excellent work playing for the judges during band festival. Next up is a trip to Thornapple Ev. Cov church to give a hymn concert and have lunch with their Senior Bible Study group Fri Nov 18. Info and permission slips will come to your inbox soon.
Bible (Huttenga): As we near the end of the first trimester, the 8th graders will be focusing on personal themes, and compare them to the themes of Paul.
Bible (Westrate): We are composing detailed storybooks from the book of Matthew to share with our 3rd grade buddies.
Geometry: We will continue to work on congruent figures and proofs. There will be a test early next week.
History: We started working on Chapter 8 today which will focus mainly on the presidency of George Washington.
Language Arts: The 3rd draft of NHD is due to be submitted on Monday, November 14. Parents have already received and email about this. We will then turn our focus to John Steinbeck's The Pearl, and discuss literary themes including identity.
PE: We will wrap up our volleyball unit next week with a short quiz. The quiz will be on Wednesday. Students received a review sheet which can also be found on Moodle.
Pre-Algebra Enhanced: Students received their Ch 4 test back today. Next up: ratios, rates, complex fractions and conversion factors.
Science: Mr. Boerkoel was our tour guide as we traveled through the solar system. If you're driving downtown Ada or on Fulton, ask your 8th grader where you are in our scaled solar system model. We continue looking at characteristics of the planets in our solar system this week. A quiz over investigations 7 and 8 will take place on Tue 11.15.
Spanish: Memory Verse (Psalm 24:1) is due Tuesday for all 8th graders. Both English and Spanish translations are posted on their Moodle site.
Teamwork Pays Off: Our undefeated ACS Wildcats claimed the GRACEAC League Championship on Saturday. Congratulations!
Please return all fall sports jerseys to Miss Prins.


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Design and manufacture of playground equipment, HDPE panels, products and components to trade companies worldwide
Fahr Industries - Experts in Playground Equipment, Outdoor Furniture and Manufacturing
Design and manufacture of play equipment, HDPE panels, products and components for trade companies Worldwide, Fahr Industries is particularly focused on listening to what their customers want and looking for ways that their customers can enhance their own play products and schemes.
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Site designed and maintained by JRC and Fahr
|Fun Activity Play Panels
Made from hardwearing and fade resistant HDPE our Fun Activity Play Panels will not fade, crack or rot in the playground or play space.
All the Fun Activity Play Panels with moving parts are either supllied assembled or with the fasteners ready to finish off the assembly.
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|Toy Town Play Panel Set (6 panels)
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|Mini Beast Wall Plaques
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The world's longest honeymoon: This couple's epic adventure covered six continents, 33 countries and 302 places in 675 days (and yes, they are still together)
- Trip included 41 safaris, 39 scuba dives and 110 hikes
- Couple pooled savings and budgeted £25 per person per day for their travels
- Favourite place was Myanmar (formerly Burma)
- Average length of a honeymoon is eight days
While most newlyweds dream of falling into a hammock and doing precisely nothing immediately after their 'Big Day' one young American couple decided that a regular honeymoon just wasn't romantic enough for them.
Instead Mike and Anne Howard decided to pool their savings, quit their jobs and embark upon an epic adventure that turned into the world's longest honeymoon.
Covering six continents, 33 countries and 302 places in 675 days the holiday of a lifetime included
57,397 overland miles, 226,152 photographs, 110 hikes, 105 buses, 46 jars of peanut butter, 41 safaris and 39 scuba dives.
Scroll down for video
Anne and Mike Howard spent 675 days on honeymoon taking in 302 places, including Machu Picchu in Peru
The epic adventure took in 41 different safaris including the Masai Mara in Kenya
Snap happy: The couple took over 220,000 pictures on their travels
Mike said: 'We met a couple of friends who were talking about doing a round-the-world trip, and we spoke to another person who had just completed one. So we thought, we could take this nest egg and buy a house or a car, or we can do something that most people wait to do until they're retired.
'Why not do this in our late twenties and early thirties, and we'll have these amazing memories rest of our lives? '
And in true modern traveller style, the media-savvy New Yorkers blogged their every movement to their 15,000 online fans (check them out on Facebook.com/HoneyTrek).
Using Anne's background as a magazine editor and Mike's as a media strategist and photographer the couple launched the HoneyTrek.com blog to share the experience with friends and family.
Irish charm: Dancing on The Giant's Causeway in Northern Ireland
Milestone: Celebrating 500 days while travelling to Chile from Bolivia
Matching outfits: Going green in Mui Ne, Vietnam
Starting in South America, they moved through Africa, Asia and Europe, sharing snaps and updates with their followers on social media as they went.
Their travel philosophy was to go to places too far to visit while they have jobs and too rugged to tackle when they are old.
Their favourite place was Myanmar (formerly Burma) for the friendly people and fascinating blend of styles and cultures.
Mike also fell in love with Entre Cielos in Mendoza, Argentina. He said: 'Only one or two people before us had stayed in the property. They built a loft above an actual vineyard, and brought in a German treehouse architect. To get to the room, you go through the vines, off this ladder, and into this vineyard loft. There was a big Jacuzzi tub out on the porch. It was really great drinking wine there, having a vineyard loft experience.'
The couple say there are too many memories to list them all, but also highlighted having a cheetah jump on top of their open-roof safari vehicle in the Maasai Mara in Kenya, wreck diving the WWII ships in Coron, Philippines and watching the Northern Lights from the Arctic Circle in Norway as highlights of their immense trip.
And, maybe surprisingly for some married couples out there, they both say that the trip has made their relationship stronger. In an interview during the trip with CNTraveler.com Anne said: 'People were like, "You must really like your husband. I don't think I could spend that much time with mine." It made me, think, "Yeah, I do really love him. I think it's going to be okay, right?"
'You start to bond on a level that is not possible on a regular schedule. Your brain starts to fuse and you can sense each other's needs or humor or reactions. We play off of each other really well.'
Mike added: 'We've just become even better husband and wife than when we started. It's so amazing to have someone to share those experiences with, and the next day laugh about the scary thing that happened and become stronger for it.'
Wrapped up: At the Tuckerman Ravine, New Hampshire
Here we go!: The couple take off on the Gorge Swing over Victoria Falls in Zambia, which has a 160ft free-fall
A private view: At Badcaul in Scotland
The couple set up a blog called HoneyTrek to share their adventures
Mike and Anne are now turning their passion for travel into a business, offering bespoke advice to travellers wanting to follow in their footsteps through Trip Coach a one-on-one guide to world travel.
They say: 'We did our 675-day trip around the world for just under $40 per person per day, including flights, food, lodging, activities…the works. This is an average of the pricier countries like Japan, Australia and Norway ($75 per day) with the less expensive places like Bolivia and Southeast Asia ($20 per day). Traveling around the world turned out to be less expensive than the mortgage on our apartment.
'We were really scrappy on the road when not in nice resorts, which was maybe two times per month. We did all overland travel, and very few flights—and when we did fly, it was on miles.
'We also took shared vans and local transport. Our top travel tips include:
- have separate credit and debit card accounts in case one disappears
- pack the right technology; it's the hardest thing to get on the road
- buy your flights as you go... an around-the-world plane ticket will cost more and severely limit your flexibility
'We would also say always travel overland via local transportation whenever possible as we think that is one of the most valuable experiences we've had on our entire trip. You miss so many things when you fly; on land, you see the scenery and the stops and the food stalls and the guys motorbiking through the rice fields and how locals live along the way.'
Check out Trip Coach, a one-on-one guide to world travel combining their knowledge and passion and offering bespoke advice to anyone looking to explore the world.
Angelica Malin, editor of online travel and lifestyle magazine About Time says: 'This couple did what we all dream of; escaping the 9-5 and travelling the world, each day more adventure-filled than the next.
'Holidays and honeymoons are often too rushed as trying to pack everything in at once. Here's five ways to make the most of your trip:
1. Planning - make sure you use websites, guide books and friends to find out what's best and what can be missed in the city
2. Get out early - carpe diem! You'll get the most out of your trip by getting out of bed.
3. Look for homestays and flat shares - if you want a taste of local culture, homestays are a great way to experience the local culture first hand
4. Get flight ready - keep flight day stress to minimum by checking in online, and try to take minimal luggage.
5. Look at seasonal timings - some countries may be cheaper to travel to at different times of the year, check out which destinations have more favourable flight prices in the less fashionable seasons.'
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- Barron's MFQ
Plucking Diamonds From the Dangers
- Order Reprints
- Print Article
INVESTORS IN CLOSED-END FUNDS USUALLY CAN find deals in December, as the year winds down and tax-loss selling heats up. But this year, big bargains already are plentiful, courtesy of the credit crisis and market turmoil.
Just ask closed-end specialist Tom Herzfeld, who's focused on the group for 40 years. Herzfeld has been selectively buying shares all year. He's also sold some into strength to raise cash to pick up what he sees as better bargains, including certain funds with financial exposure. As discounts have shot up to attention-grabbing highs, his Miami firm, Thomas J. Herzfeld Advisors, has ramped up its purchases. "We've had to keep an eye on hurricanes," Herzfeld says, referring to the destructive forces of both Mother Nature and the markets in recent months.
When September began, the average discount on closed-ends was a little over 6%, according to Cecilia Gondor, Herzfeld Advisors' executive vice president. By mid-month, it had more than doubled to 13.8%, with 180 funds at more than a 20% discount and over 20 trading at discounts of 30% to 40%. "It's unusual for closed-end funds to trade at a greater than 15% discount," she notes.
Unlike open-end mutual funds, closed-ends issue a fixed number of shares through a public offering, and investors can trade them like stocks. A fund's share price can vary from the value of its underlying assets, so discounts can be significant in tough markets. Also widening discounts this year: low demand for auction-rate preferred securities, which many closed-ends had issued to boost returns.
At midyear, there were 653 closed-ends -- almost two-thirds of them bond funds. Through July, the most recent month for which data are available, they had $278.29 billion in assets, $13.33 billion below the first quarter's total, according to the Investment Company Institute, a fund trade group.
Many kinds of closed-ends have been hit hard, particularly those with exposure to banks and financials.
Given the tumultuous trading, closed-end stock funds that employ a covered-call strategy have more appeal to Stifel Nicolaus & Co. analyst Alex Reiss. These funds sell call options on stocks they own to generate income and offset the effect of a weak stock market, he says. A call gives the buyer the right to purchase a stock at a certain price.
Reiss likes the Nuveen Equity Premium Opportunity Fund (ticker: JSN), which recently was trading at $13.33, a 15% discount to its net asset value, while offering a 12.53% dividend yield. Reiss views the fund as "appropriate for moderate-risk investors."
He also favors the Morgan Stanley Quality Municipal Securities Trust (IQM) as a defensive play. It offers assets with high credit quality at a compelling price, he maintains. The fund recently was changing hands at $10.78, a 16% discount from its net asset value. "Over time, defaults in leveraged municipal funds are low. Many of them are seeing borrowing costs drop, and income and earnings are going up," Reiss observes. "Should the current interest-rate scenario with low rates from the Federal Reserve stay, muni funds will likely have dividend increases next year."
As for Herzfeld, he's looking at out-of-favor funds, including the Dreman/Claymore Dividend & Income Fund (DCS) run by legendary value manager David Dreman. The fund recently was quoted at $5.15 a share, a 25% discount. Its net asset value, or NAV, has plummeted by over 50% this year, hurt by sizable Fannie Mae and Freddie Mac stakes. "We're buying the Dreman fund as a hard-hit out-of-favor play with a contrarian manager we like," says Herzfeld. DCS's depressed share price has given it a dividend yield of 7.8%.
Herzfeld has also been focusing on bond funds that have been hurt by investors' fear, rather than true problems in their portfolios. Among those he likes is Western Asset Emerging Markets Income Fund 2 (EDF). At a recent $9.77, it was selling at a 22% discount from NAV and offering an 11.8% yield. Other favorites: ACM Managed Dollar Income (ADF), with a price of $5.40, a 22% discount and 10.3% yield; and Dreyfus High Yield Strategies (DHF), priced at $2.84, with a 21% discount and 12.6% yield.
Herzfeld also has been buying muni-bond funds dumped by investors worried that the yields may shrink after auction-rate preferreds are refinanced. Two that he favors: Morgan Stanley Insured Municipal Trust (IMT) and BlackRock MuniHoldings Insured Fund II (MUE).
Herzfeld also is high on two funds that have suffered from their origins at now-defunct Lehman Brothers -- Neuberger Berman Dividend Advantage (NDD) and Lehman Brothers First Trust Income Opportunity (LBC).
His advice to bargain hunters: Look for funds with liquid portfolios, strong assets and above-average discounts. In the turmoil of the past few weeks, a lot of babies have been tossed out with the bath water.