text:
Life Cycle Analysis to estimate the environmental impact of residential photovoltaic systems in regions with a low solar irradiation
Photovoltaic installations (PV-systems) are heavily promoted in Europe. In this paper, the Life Cycle Analysis (LCA) method is used to find out whether the high subsidy cost can be justified by the environmental benefits. Most existing LCAs of PV only use one-dimensional indicators and are only valid for regions with a high solar irradiation. This paper, however, presents a broad environmental evaluation of residential PV-systems for regions with a rather low solar irradiation of 900-1000Â kWh/m2/year, a value typical for Northern Europe and Canada. Based on the Ecoinvent LCA database, six Life Cycle Impact Assessment (LCIA) methods were considered for six different PV-technologies; the comprehensive Eco-Indicator 99 (EI 99) with its three perspectives (Hierarchist, Egalitarian and Individualistic) next to three one-dimensional indicators, namely Cumulative Energy Demand (CED), Global Warming Potential (GWP) and the Energy Payback Time (EPT). For regions with low solar irradiation, we found that the EPT is less than 5 years. The Global Warming Potential of PV-electricity is about 10 times lower than that of electricity from a coal fired plant, but 4 times higher when compared to a nuclear power plant or a wind farm. Surprisingly, our results from the more comprehensive EI 99 assessment method do not correlate at all with our findings based on EPT and GWP. The results from the Individualist perspective are strongly influenced by the weighting of the different environmental aspects, which can be misleading. Therefore, to obtain a well-balanced environmental assessment of energy technologies, we recommend a carefully evaluated combination of various impact assessment methods.
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Volume (Year): 15 (2011)
Issue (Month): 1 (January)
Pages: 267-281
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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Alsema, Erik, 1998. "Energy requirements of thin-film solar cell modules--a review," Renewable and Sustainable Energy Reviews, Elsevier, vol. 2(4), pages 387-415, December.
- Fthenakis, Vasilis, 2009. "Sustainability of photovoltaics: The case for thin-film solar cells," Renewable and Sustainable Energy Reviews, Elsevier, vol. 13(9), pages 2746-2750, December.
- Frondel, Manuel & Ritter, Nolan & Schmidt, Christoph M., 2008.
"Germany's solar cell promotion: Dark clouds on the horizon,"
Energy Policy,
Elsevier, vol. 36(11), pages 4198-4204, November.
- Frondel, Manuel & Ritter, Nolan & Schmidt, Christoph M., 2008. "Germany's Solar Cell Promotion: Dark Clouds on the Horizon," Ruhr Economic Papers 40, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
- Fthenakis, Vasilis M. & Kim, Hyung Chul, 2007. "Greenhouse-gas emissions from solar electric- and nuclear power: A life-cycle study," Energy Policy, Elsevier, vol. 35(4), pages 2549-2557, April.
- Varun & Prakash, Ravi & Bhat, Inder Krishnan, 2009. "Energy, economics and environmental impacts of renewable energy systems," Renewable and Sustainable Energy Reviews, Elsevier, vol. 13(9), pages 2716-2721, December.
- Pacca, Sergio & Sivaraman, Deepak & Keoleian, Gregory A., 2007. "Parameters affecting the life cycle performance of PV technologies and systems," Energy Policy, Elsevier, vol. 35(6), pages 3316-3326, June.
- Varun & Bhat, I.K. & Prakash, Ravi, 2009. "LCA of renewable energy for electricity generation systems--A review," Renewable and Sustainable Energy Reviews, Elsevier, vol. 13(5), pages 1067-1073, June.
- Alsema, E. A. & Nieuwlaar, E., 2000. "Energy viability of photovoltaic systems," Energy Policy, Elsevier, vol. 28(14), pages 999-1010, November.
- Pehnt, Martin, 2006. "Dynamic life cycle assessment (LCA) of renewable energy technologies," Renewable Energy, Elsevier, vol. 31(1), pages 55-71.
- Stoppato, A., 2008. "Life cycle assessment of photovoltaic electricity generation," Energy, Elsevier, vol. 33(2), pages 224-232.
- repec:zbw:rwirep:0040 is not listed on IDEAS
- Raugei, Marco & Bargigli, Silvia & Ulgiati, Sergio, 2007. "Life cycle assessment and energy pay-back time of advanced photovoltaic modules: CdTe and CIS compared to poly-Si," Energy, Elsevier, vol. 32(8), pages 1310-1318.
- Raugei, Marco & Frankl, Paolo, 2009. "Life cycle impacts and costs of photovoltaic systems: Current state of the art and future outlooks," Energy, Elsevier, vol. 34(3), pages 392-399.
- Martínez, E. & Sanz, F. & Pellegrini, S. & Jiménez, E. & Blanco, J., 2009. "Life cycle assessment of a multi-megawatt wind turbine," Renewable Energy, Elsevier, vol. 34(3), pages 667-673. Full references (including those not matched with items on IDEAS)
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I'm sure many people will say that one, if not the most, important element of your business brand is your logo. I don't completely agree with this (thats a topic for another post) but a logo is definitely a very important part of building your brand.
That is why getting a new logo created for ProfessionalGFX was one of the first things I wanted to do. Now, ProfessionalGFX is a web development business also offering many graphic related services. But, I did not create my own logo. Mainly because I was tapped for ideas and wanted a fresh set of eyes (or in this case many sets) on the business and concept. So, I looked to outside sources.
My first thought was to hire a logo designer but I didn't want to be strapped to using just one person and a limited number of revisions. So, the next obvious option in outsourcing design work is to hold a contest, which is one of my favorite things to do. Outsourcing design work when possible is such a time savor that you can not deny giving it a shot.
Yet, there are a lot of design competition websites out there. You've got 99designs, CrowdSpring, and many more smaller ones. 99designs is definitely the most popular one out there, but can be a bit expensive depending on the value of your competition. Through Twitter I found CrowdSpring and decided to give them a shot.
I laid out what I was looking for in a logo, what it was going to be used for (business cards, letterhead, etc) and also laid out some of my specifications. With that, it was up to the designs to come up with ideas and I provided the critique. There were over 70 entries in the contest which included unique designs and revisions.
In the end I decided on the logo below.
I wanted to keep the swoosh type look that was in my previous logo but wanted to switch the color up and wound up with a nice green (reminds me of money!). I also like the incorporation of the swoosh in the GFX lettering.
Up next in this series about rebranding a web development business, I'll quickly discuss some business card design tips and reasons for having a business card.

subset: commoncrawl


text:
Salsa – Latin – Jazz
Martin High De Prime (D) – Piano
Donat Kubrinski (D) – Trompet
Julian Gretschel (D) – Trombone1
Rob Gutowski (USA) – Trombone2
Reiner Hess (D) – Alto Sax
Arcadius Didavi (Benin) – Bass
Enrico Perez (CUB) – Congas
Arsène Cimbar (Guadalupe) – Drums
Dante Parraguez (Chile)-Timbales
Moussa Coulibaly (Burk.Faso)-Djembe
AFROBERLIN HIGH STARS – see extra page!
Polyritmo-Grooves & Afrobeat
Tunde Alibaba (Benin) – drums, voc.
Enrico Perez (Cuba) – perc.
Martin High De Prime (D) – piano
Willy Sahel (Chad) – Bass
Donat Kubrinski (D) – trumpet
Baron Arnold (USA) – trombone
The combination of caribbean roots and free jazz improvisations connect the opposite music styles: improvisation, spontaneity in salsa with rhythm of dance in jazz.
Obsessed with the ghosts of afro-latin rhythms they have the power to turn the room into a tropical dance hall with their instruments. A transcontinental journey full of rhythm and fun! Together with the audience we all massage the floor with our feet, and connect with mother earth while having a wonderful time.
In the multi-cultural jungle of Berlin, ten friends from around the world met and collectively created the live sound of this Album: joy of life, mysticism, Caribbean rhythm, the power of improvisation and original compositions are the spices of this brewed, magic salsa for a transcontinental journey.
The orchestra was formed in 2009 by Martin High De Prime who plays piano directly from his heart and creates music that is the coal for the fire everyone has got inside them.
High De Prime gets the strength to lead this wonderful orchestra from the rapture of the flora of his dear beloved Uckermark in North-Germany. During his long expeditions through its forests he discovered every sound, rhythm and mood you hear in his compositions. His personality, style and nonchalance give the other band members their freedom to improvise and that's the way they created these fireworks, full of passion, life-pleasure and rhythms from Cuba, Mexico, Columbia, Africa and Berlin.
They play compositions written exclusive for the band. The current program is made from salsa titles from Julian Gretschel, 1st trombonist and arranger, who also arranged Martin High De Prime's compositions for the four blowers. It gives a very earthy groove given by the five-parted rhythm group which includes the percussive piano, African bass groove and caribbean afro cuban percussion group of drum master Enrico "El Rey del Ritmo" Perez, the brilliant calmness of African bass wizard Arcadius Didavi and all other musicians produce this quite special atmosphere.
Debut-Album "Descarga Mágica" 10/2014 by AHOI-tunes
The Musicians are:
Martin High De Prime – piano
Born in Berlin in 1964. Playing piano since he was 13 years old. Inspired by the contact with the New York saxophonist Charles Gayle Martin. Then he left his piano teacher Walter Norris and starts in 1985 to develop his own musical concept. 1988 First study stay in Mexico with lively concert and composition activities. Due to the many celebrations of Merenge-nights full of joie de vivre, which is expressed through music, his jazz background has developed. By changing the musical personalities over the past 6 years, many styles were combined and a special kind emerged. Plants lovers give the herbal shamans the strength to lead this wonderful orchestra.
1989 participation in jazz festivals in Germany and Holland. 1990/91 own jazz trio in Barcelona. Concerts in Spain. Since 1995, Martin recognizes Mexico as his second home and spends part of his life there. Since 2002, new rural base in the Uckermark where many compositions are being created and Martin is acting as an organizer; 13 years as head of the "Jazz Fest Uckermark".
2009 Foundation of the stylistic "Afro Berlin High Orchestra".
2016 tour operators of "1.Festivals for music and Joy of life" in the Uckermark.
Donat Kubrinski – trompet
Born in Berlin, he studied Jazz-Trumpet at "Hochschule für Musik und Theater Zürich" and
at Hochschule für Musik "Hanns Eisler", Berlin. He's very activ in the Jazz-Szene.
Took part in many radio and television productions (like ARD, ZDF, MDR and RBB:
"Ein Herz für Kinder", "Willkommen bei Carmen Nebel", "Das Sommer Open-Air",
Julian Gretschel – Trombone, Compositions
Trombonist, composer and arranger, lives in Berlin. In the conpirative Berlin Swing Scene known also as "Hans Quarz". Trombonist at "Louise Gold & die Herren Quarz", he takes inspirations from old music (Ensemble Alta Musica"), through jazz (Berlin Big Band, AerophoniXs) and soul (The ORWOrms) till Chanson ("Dernier Metro"), Cabaret Theatre ("Die Zweibeiner") and modern music (Duo with Enikö Ginzery). Guest musician in formations and at music festivals in and outside Germany.
Rob Gutowski – Trombone
born 1964 in USA. He started to play trombone in the age of six in Clarion, Pennsylvania bei Prof. Dean Farnham. Later he studyied by Ronald Baedke (Richmond Symphony Orchestra), Jürgen Heiner (Staatsoper Berlin), Buster Cooper (Duke Ellington Band 1961 -1973) and David Steinmeyer. Played together with artists like The BossHoss, Gentleman and the Far East Band, Arnold Dreyblatt, Earth, Tone, Redux Orchester, Dieter Krebs, Barbara Schöneberger, Chamaco Rivera, Tippa Irie, Stephan Said, Adel Tawil, Paul Brody, Jerry Jenkins…
Reiner Hess – saxophon & compositions
His improvisations at Alto-Sax tells lots of stories. He studied by Leszek Zadlo (München) und Vincent Hering (New York). Leader of "Raumschiff Jazz" and the yellow side of jazz worked as studio musician with many Jazz, Pop and Blues artists. As leader und Sideman he played with Joe Nay, Billy Elgart, John Schröder, Dusko Goykowich, Eda Zari, Greg Bowen, Rudi Mahall, Johannes Fink, Gerhard Gschlößl, Christian Lillinger, Kurt Rosenwinkel, Till Brönner, Andreas Willers, Kai Brückner, Denis Stilke.
Arcadius Didavi – bass
born in Benin and adopted home in Berlin. After his international Debut 1994 with the Westafrican Art Jazz Orchestra at the Saint Louis Jazz Festival in Senegal he made many concerts with Papa Wemba, Monique Sikka, Nayan Kabel and Herve Meckeny. Workshops by Rhoda Scott, Gilles Rennes, studied by Prof. Mini Schulz. Working with Lionel Louek. His composistions are full of refreshing combinations with african rhythms and Jazz full of electrified power. His funky solos & grooving ballades, electric sparks jump over to the audience full of the joy of life. His Credo: Afro-Pop-Jazz is best!
Enrico Perez – congas
born 1956 in Havana, Cuba. Full of temperament and multi talented drummer comes from quarter "Jesus Maria" where famous Cuban drummers like Chicho El Bongocero alias Saoco, Enrique Barbosa or Tata Guines started their careers. Since his childhood is close to afro-cuban music and influenced by music traditions of his country. In Cuba he played with piano artist Frank Emilio Flin and in "Orchester Beny Moré". Since 1979 lives and works in Germany. From 2000 based in Berlin where he works together with artists from latin jazz, salsa and afro scene: Justo Perez, Adonis y Soneros de Hoy, Ricardo Moreno and Eduardo Villegas. 2000 grounds his own Band "Enrico & Groove".
Arsène Cimbar – drums
born in Guadaloupe, Carribean, since 1996 in Berlin. Drummer since his childhood,
played with many traditional bands and later with different reggae groups. In Berlin as drummer and percussionist of afro and reggae scene, for example: "African Chase Experience", Griot Music Company, Carribean Marching Band.


text: Gas Going Up Again? On top of the hurricane they say gas prices will be going up again perhaps as high as $4.50 per gallon due to the storm. Katrina back in 2005 gave us the highest overnight increase in history. Excerpt: "On the other hand, a storm as catastrophic as Katrina could lead to a 30 percent increase in gas prices, said Tom Klozas of the Oil Price Information Service. That would put prices in the $4.50 per gallon range." ARTICLE


text:
There are many asset allocation strategies; which often are pretty similar. In general they oversimplify the situation (so an investor needs to study and adjust them to their situation – though most don't do this, which is a problem). In general, I think asset allocation suggestions are too heavily weighted on bonds, and that is even more true today in the current environment – of could that is just my opinion.
I ran across this suggested allocation in Eyewitness to a Wall Street mugging which I think has several good values.
- It focuses on low fee, market index funds. Fees are incredibly important in determining long term investment success
- It has lower bond allocation than normal
- It has more international exposure than many – which I think is wise (this suggested portfolio is for those in the USA, USA portion should be lowered for others)
- It includes real estate (some suggested allocations miss this entirely)
In my opinion this allocation should be adjusted as you get closer to retirement (put a bit more into more stable, income producing investments).
My personal preference is to use high quality dividend stocks in the current interest rate environment. I would buy them myself which does require a bit more work than once a year rebalancing that the lazy golfer portfolio allows.
I would also include 10% for Vanguard emerging markets fund (VWO) (for sake of a rule of thumb reduce Inflation Protected Securities Fund to 10% if you are more than 10 years from retirement, when between 10 and 1 year from retirement put Inflation Protected Securities Fund at 15% and Total Stock Market Index Fund at 35%, when 1 year from retirement or retired lower emerging market to 5% and put 5% in money market.
Depending on your other assets this portfolio should be adjusted (large real estate holdings [large net value on personal home, investment real estate…] can mean less real estate in this portfolio, 401k holdings may mean you want to tweak this [TIAA CREF has a very good real estate fund, if you have access to it you might make real estate a high value in your 401k and then adjust your lazy portfolio], large pension means you can lower income producing assets, how close you are to retirement, etc.).
The Lazy Golfer Portfolio (Annually rebalance the fund on your birthday and ignore Wall Street for the remaining 364 days of the year) contains 5 Vanguard index funds
- 40% Total Stock Market Index Fund (VTSMX)
- 20% Total International Stock Index Fund (VGTSX)
- 20% Inflation Protected Securities Fund (VIPSX)
- 10% Total Bond Market Index Fund (VBMFX)
- 10% REIT Index Fund (VGSIX)
Related: Retirement Planning, Looking at Asset Allocation – Lazy Portfolio Results – Investment Risk Matters Most as Part of a Portfolio, Rather than in Isolation – Starting Retirement Account Allocations for Someone Under 40 – Taking a Look at Some Dividend Aristocrats
Looking at stock market capitalization by country gives some insight into how countries, and stocks, are doing. Looking at the total market capitalization by country doesn't equate to the stock holdings by individuals in a country or the value of companies doing work in a specific country. Some countries (UK and Hong Kong, for example) have more capitalization based there than would be indicated by the size of their economy.
It is important to keep in mind the data is in current USA dollars, so big swings in exchange rates can have a big impact (and can cause swings to be exacerbated when they move in tandem with stock market movements – if for example the market declines by 15% and the currency declines by 10% against the US dollar those factors combine to move the result down).
As with so much recent economic data China's performance here is remarkable. China grew from 1.8% of world capitalization in 2000 to 6.9% in 2012. And Hong Kong's data is reported separately, as it normally is with global data sets. Adding Hong Kong to China's totals would give 3.7% in 2000 with growth to to 8.9% in 2012 (Hong Kong stayed very stable – 1.9% in 2000, 2% in 2012). China alone (without HK) is very slightly ahead of Japan.
The first chart shows the largest 4 market capitalizations (2012: USA $18.6 trillion, China and Japan at $3.7 trillion and UK at $3 trillion). Obviously the dominance of the USA in this metric is quite impressive the next 7 countries added together don't quite reach the USA's stock market capitalization. I also including the data showing the global stock market capitalization divided by 3 (I just divide it by three to have the chart be more usable – it lets us see the overall global fluctuations but doesn't cram all the other data in the lower third of the chart).
Canada is the 5th country by market capitalization (shown on the next chart) with $2 trillion. From 2000 to 2012 China's market capitalization increased by $3.1 trillion. The USA increased by $3.6 trillion from a much larger starting point. China increased by 536% while the USA was up 23.5%. The world stock market capitalization increased 65% from 2000 to 2012.
Related: Stock Market Capitalization by Country from 1990 to 2010 – Government Debt as Percent of GDP 1998-2010 – Manufacturing Output by Country 1999-2011: China, USA, Japan, Germany
At the close of business this Friday Goldman Sachs, Visa and Nike will be added to Dow Jones Industrial Average (DJIA) and HP, Alcoa and Bank of America will be dropped. The DJIA is a not something that deserves attention in my opinion, but it gets it. The index of 30 large stocks is less useful than say the S & P 500 Index with I prefer.
The "industrial" heritage (represented by the name) is still visible but as the economy has changed the makeup of stocks has moved to reflect the growing importance of services.
The 30 stocks in the DJIA will be:
- American Express Company – AXP
- Boeing – BA
- Caterpillar – CAT
- Chevron – CVX
- Citigroup – C
- Coca-Cola – KO
- Du Pont – DD
- Exxon Mobil – XOM
- General Electric Company – GE
- General Motors – GM
- Goldman Sachs – GS
- Home Depot – HD
- Intel – INTC
- International Business Machines – IBM
- Johnson & Johnson – JNJ
- J. P. Morgan Chase – JPM
- Kraft Foods – KFT
- McDonald's – MCD
- Merck – MRK
- Microsoft – MSFT
- Minnesota Mining & Manufacturing – MMM
- Nike – NIKE
- Pfizer – PFE
- Procter & Gamble – PG
- United Technologies – UTX
- Verizon Communications – VZ
- Visa – V
- Wal-Mart Stores – WMT
- Walt Disney – DIS
Printing money (and the newer fancier ways to introduce liquidity/capital) work until people realize the money is worthless. Then you have massive stagflation that is nearly impossible to get out from under. The decision by the European and USA government to bail out the too big to fail institutions and do nothing substantial to address the problem leaves an enormous risk to the global economy unaddressed and hanging directly over our heads ready to fall at any time.
The massively too big to fail financial institutions that exist on massive leverage and massive government assistance are a new (last 15? years) danger make it more likely the currency losses value rapidly as the government uses its treasury to bail out their financial friends (this isn't like normal payback of a few million or billion dollars these could easily cost countries like the USA trillions). How to evaluate this risk and create a portfolio to cope with the risks existing today is extremely challenging – I am not sure what the answer is.
Of the big currencies, when I evaluate the USA $ on its own I think it is a piece of junk and wouldn't wan't my financial future resting on it. When I look at the other large currencies (Yen, Yuan, Euro) I am not sure but I think the USD (and USA economy) may be the least bad.
In many ways I think some smaller countries are sounder but smaller countries can very quickly change – go from sitting pretty to very ugly financial situations. How they will wether a financial crisis where one of the big currencies losses trust (much much more than we have seen yet) I don't know. Still I would ideally place a bit of my financial future scattered among various of these countries (Singapore, Australia, Malaysia, Thailand, Brazil [maybe]…).
Basically I don't know where to find safety. I think large multinational companies that have extremely strong balance sheets and businesses that seem like they could survive financial chaos (a difficult judgement to make) may well make sense (Apple, Google, Amazon, Toyota, Intel{a bit of a stretch}, Berkshire Hathaway… companies with lots of cash, little debt, low fixed costs, good profit margins that should continue [even if sales go down and they make less they should make money – which many others won't]). Some utilities would also probably work – even though they have large fixed costs normally. Basically companies that can survive very bad economic times – they might not get rich during them but shouldn't really have any trouble surviving (they have much better balance sheets and prospects than many governments balance sheets it seems to me).
In many ways real estate in prime areas is good for this "type" of risk (currency devaluation and financial chaos) but the end game might be so chaotic it messes that up. Still I think prime real estate assets are a decent bet to whether the crisis better than other things. And if there isn't any crisis should do well (so that is a nice bonus).
Basically I think the risks are real and potential damage is serious. Where to hide from the storm is a much tricker question to answer. When in that situation diversification is often wise. So diversification with a focus on investments that can survive very bad economic times for years is what I believe is wise.
Related: Investing in Stocks That Have Raised Dividends Consistently – Adding More Banker and Politician Bailouts in Not the Answer –
Failures in Regulating Financial Markets Leads to Predictable Consequences – Charlie Munger's Thoughts on the Credit Crisis and Risk – The Misuse of Statistics and Mania in Financial Markets
I think the current investing climate worldwide continues to be very uncertain. Historically I believe in the long term success of investing in successful businesses and real estate in economically vibrant areas. I think you can do fairly well investing in various sold long term businesses or mutual funds looking at things like dividend aristocrates or even the S&P 500. And investing in real estate in most areas, over the long term, is usually fine.
When markets hit extremes it is better to get out, but it is very hard to know in advance when that is. So just staying pretty much fully invested (which to me includes a safety margin of cash and very safe investments as part of a portfolio).
I really don't know of a time more disconcerting than the last 5 years (other than during the great depression, World War II and right after World War II). Looking back it is easy to take the long term view and say post World War II was a great time for long term investors. I doubt it was so easy then (especially outside the USA).
Even at times like the oil crisis (1973-74…, stagflation…, 1986 stock market crash) I can see being confident just investing in good businesses and good real estate would work out in the long term. I am much less certain now.
I really don't see a decent option to investing in good companies and real estate (I never really like bonds, though I understand they can have a role in a portfolio, and certainly don't know). Normally I am perfectly comfortable with the long term soundness of such a plan and realizing there would be plenty of volatility along the way. The last few years I am much less comfortable and much more nervous (but I don't see many decent options that don't make me nervous).
One of the many huge worries today is the extreme financial instruments; complex securities; complex and highly leveraged financial institution (that are also too big to fail); high leverage by companies (though many many companies are one of the more sound parts of the economy – Apple, Google, Toyota, Intel…), high debt for governments, high debt for consumers, inability for regulators to understand the risks they allow too big to fail institutions to take, the disregard for risking economic calamity by those in too big to fail institutions, climate change (huge insurance risks and many other problems), decades of health care crisis in the USA…
A recent Bloomberg article examines differing analyst opinions on the Chinese banking system. It is just one of many things I find worrying. I am not certain the current state of Chinese banking is extremely dangerous to global economic investments but I am worried it may well be.
China Credit-Bubble Call Pits Fitch's Chu Against S&P
The 12 stock for 10 years portfolio consists of stocks I would be comfortable putting into an IRA for 10 years. The main criteria is for companies with a history of large positive cash flow, that seemed likely to continue that trend.
Since April of 2005 the portfolio Marketocracy* calculated annualized rate or return (which excludes Tesco) is 7.5% (the S&P 500 annualized return for the period is 6.8%).
Marketocracy subtracts the equivalent of 2% of assets annually to simulate management fees – as though the portfolio were a mutual fund – so without that (it is not like this portfolio takes much management), the return beats the S&P 500 annual return by about 270 basis points annually (9.5% to 6.8%). And I think the 270 basis point "beat" of the S&P rate is really under-counting as the 200 basis point "deduction" removes what would be assets that would be increasing (so the gains that would have been made on the non-existing deductions in the real world – are missing). Tesco reduces the return, still I believe the rate would stay close to a 200 basis point advantage.
I make some adjustments (selling of buying a bit of the stocks depending on large price movements – this rebalances and also lets me sell a bit if I think things are getting highly priced and buy a bit if they are getting to be a better bargin). So I have sold some Amazon and Google as they have increased greatly and bought some Toyota as it declined (and now sold a bit of Toyota as it soared). This purchases and sales are fairly small. Those plus changes (selling Dell and buying Apple for example) have resulted in a annual turnover rate under 5%.
I am strongly considering buying ABBV and maybe ABT. Abbot recently split into these 2 separate companies. I probably would have added this last year but I wasn't sure what to do given the breakup so I waited (luckily I bought it, personally, as they have performed quite well) I may also sell some or all of Tesco and PetroChina.
The current stocks, in order of return:
|Current Return
|% of sleep well portfolio now
|% of the portfolio if I were buying today
|Amazon – AMZN
|Google – GOOG
|PetroChina – PTR
|Templeton Dragon Fund – TDF
|Danaher – DHR
|Toyota – TM
|Templeton Emerging Market Fund – EMF
|Apple – AAPL
|Pfizer – PFE
|Cisco – CSCO
|Intel – INTC
|Tesco – TSCDY
The current marketocracy results can be seen on the Sleep Well marketocracy portfolio page.
Related: 12 Stocks for 10 Years: Oct 2012 Update – 12 Stocks for 10 Years, July 2011 Update – 12 Stocks for 10 Years, July 2009 Update – hand selected articles on investing
One of the frustrating things for shareholders is how readily companies give away stock. A huge company like Apple has been giving away huge amounts of stock (through stock options) even while adding tens of billions in cash to their stockpile.
Outstanding stock for Apple
Jan 2006 – 848 million shares
Jan 2007 – 862 million shares
Jan 2008 – 879 million shares
Jan 2009 – 891 million shares
Jan 2010 – 907 million shares
Jan 2011 – 921 million shares
Jan 2012 – 932 million shares
Jan 2013 – 939 million shares
So even in the last year, while promoting a $10 billion buyback – the net result was 7 million more shares (not fewer as a "buyback" suggests); it did reduce the amount of increase to less than it has been recently. 7 million more shares * $425 = $2.975 billion more stock in place. If Apple uses $50 billion more to buy back stock that would allow purchase of 100 million shares at $500 a share ($500 is less than I would guess the average price will be, but we will see what actually happens). That would get the share balance back to the Jan 2006 level, if there were not huge new additions during the buyback period (which there probably will be).
Companies certainly like to heavily publicize share buyback programs. They don't trumpet how much additional stock they issue each year with the same zeal (most of which, for successful companies not in desperate need for cash, is provided through extremely sweetheart stock options for executives and board members at the expense of diluting stockholder's equity – the easiest form of excessive executive pay to give away as it doesn't cost the company cash).
It will be interesting to see to what extent share buybacks actually decrease the share balance and to what extent they just eliminate the exploding issuance of shares Apple has engaged in while piling up the largest cash reserves ever recorded.
Given Apple's financial position I do not believe diluting stockholders equity by issuing huge amounts of stock was a wise policy the last 7 years. I think reversing that policy is wise. Buying back the stock they gave away is sensible but it would have been wiser not to give so much away in the first place. I'll be surprised, and happy, if the outstanding share balance drops below 890 million (the Jan 2009 figure).
I do think Apple is a great buy at these levels (I bought some more last week). The earnings reported today are not as spectacular as those reported recently but they still made a profit of $9.5 billion in the quarter (and had positive cash flow of $12.5 billion bringing total cash on hand to $145 billion). It isn't like this is a company that is failing. It is just a company that isn't growing earnings as rapidly. They are still earning enormous amounts of cash.
The decline in margins is disappointing (but not surprising) but the margins are still great (just not as amazingly great as recently). The worry over further declines in margins seems justified to me and is one of the big risks for the stock going forward. I think margins will remains at a level that justifies a much higher price than the stock has today, but only time will tell.
I would have liked to see the dividend increase more, but a dividend increase was a good move.
Related: Is it Time to Sell Apple? – Apple's Impossibly Good Quarter (Jan 2012) – Google to Let Workers Sell Options Online
No, it is not time to sell Apple, if your portfolio is not already too heavily overweighted in Apple it would make sense to buy. There is about as much wrong with Apple today as Toyota 3 years ago, which means essentially nothing is wrong. Yes, neither company is perfect. Maybe people were carried away with how awesome Apple was, but I don't think the stock price every was.
Apple was a great buy at $700. Of course in the same situation buying it at $500 would be even better. I think it is a great buy at $500 today. I think Apple is going to move ahead just as Toyota has the last few years. The people jumping around at every single rumor of a data point are going beyond reacting to each data point they are reacting to rumors of data points.
I could be wrong. If Apple's earnings cave over the next 5 years people can claim they say early signals. After a long time watching investors react to data and rumors and speculation I think they are just being foolish. Even if Apple is deteriorating, there needs to be a much better explanation for why investors should believe that than I have seen.
The best reason to question Apple is how long of a run they are on. Figuring the "law" of convergence in mean should make investors wary. That isn't really true but that idea – that you just don't stay on such a run (especially when you are huge and the have the largest market capitalization in the world).
But that is more just saying Toyota can't keep being awesome. There is some sense that most likely they will stumble. But the problem is it is more likely about every other company will stumble first. The winners keep winning more than they start failing. But they also do often start failing. 100 years from now there is a decent chance Apple doesn't exist. But there is a greater change most of the other companies you can invest in won't. And there is a greater chance most other investments will do worse than Apple. That is my guess. Other investors get to place their money where there mouth is and we will see in 5 and 10 years how things stand.
I'll stick with Apple and Toyota and Google and Danaher and Intel and….
Related: Apple's Earning are Again Great, Significantly Exceeding High Expectations (April 2012) – Apple Tops Google (Aug 2008) – 12 Stocks for 10 Years: Oct 2010 Update
The 12 stock for 10 years portfolio consists of stocks I would be comfortable putting into an IRA for 10 years. The main criteria is for companies with a history of large positive cash flow, that seemed likely to continue that trend.
Since April of 2005 the portfolio Marketocracy* calculated annualized rate or return (which excludes Tesco) is 7.1% (the S&P 500 annualized return for the period is 5.4%).
Marketocracy subtracts the equivalent of 2% of assets annually to simulate management fees – as though the portfolio were a mutual fund – so without that (it is not like this portfolio takes much management), the return beats the S&P 500 annual return by about 370 basis points annually (9.1% – 5.4%). And I think the 370 basis point "beat" of the S&P rate is really under-counting as the 200 basis point "deduction" removes what would be assets that would be increasing (so the gains that would have been made on the non-existing deductions in the real world – are missing). Tesco reduces the return, still I believe the rate would stay above a 300 basis point advantage.
The current stocks, in order of return:
|Current Return
|% of sleep well portfolio now
|% of the portfolio if I were buying today
|Amazon – AMZN
|Google – GOOG
|PetroChina – PTR
|Apple – AAPL
|Templeton Dragon Fund – TDF
|Danaher – DHR
|Templeton Emerging Market Fund – EMF
|Pfizer – PFE
|Toyota – TM
|Intel – INTC
|Cisco – CSCO
|Tesco – TSCDY
The current marketocracy results can be seen on the Sleep Well marketocracy portfolio (the site broke the link, so I removed the link).
Related: 12 Stocks for 10 Years: Jan 2012 Update – 12 Stocks for 10 Years, July 2011 Update – 12 Stocks for 10 Years, July 2009 Update – hand picked articles on investing
Read more
The stock market capitalization by country gives some insight into how countries, and stocks, are doing. Looking at the total market capitalization by country doesn't equate to the stock holdings by individuals in a country or the value of companies doing work in a specific country.
In the chart, I divided the world total by 3: just to make the chart look better. The USA was 32.5% of the total in 1990. The USA grew to 46.9% as the tech, finance and housing bubbles were all underway (also Japan was stagnating and the Chinese stock market hadn't started booming to a significant extent). In 2010 the USA was back down to 31.4%. This will likely continue to decrease (at a much slower pace – I wouldn't be surprised to see the USA at 25% in 2020) as the rest of the world's markets continue to grow more quickly.
As with so much recent economic data China's performance here is remarkable and Japan's is distressing. China grew from nothing in 1990 to the 2nd largest country in 2010. Hong Kong add another $1 trillion to China's $4.5 trillion. Canada is the only country above $2 trillion not included on this chart. China grew by $4 trillion from 2005 to 2010.
Related: Don't Expect to Spend Over 4% of Your Retirement Investment Assets Annually – Top 10 Countries for Manufacturing Production from 1980 to 2010 –
Investment Risk Matters Most as Part of a Portfolio, Rather than in Isolation – Government Debt as Percent of GDP 1998-2010


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Utica Greens, ever heard of them? Ever had them? Another regional food I was curious about in Central New York. Franklin Hotel [301 S James St, Rome, NY 13440] isn't technically in Utica, it's 20 minutes down the road – but they have the greatly praised greens too.
Franklin's was full of regulars, very bustling just around open at 11:00 am. We had an excellent waitress who made us feel right at home. The bread was served in thick, fluffy, and crusty ginormous hunks – butter was herbed, what a good start.
I did my best not to ruin my appetite with the bread, which was difficult. We ordered the Greens Vescio comprised of mainly of escarole with prosciutto and cherry peppers. The portion was borderline absurd for two people as an appetizer, you could build a house out of it!
The greens were great though, unique and flavorful – earthy, salty, savory…addictive. I can understand why this is such a popular dish in the area, and if we weren't traveling I would have enjoyed the rest of them the next day as leftovers. For our mains I got a turkey Panini which was fantastic – all the flavors you could want, roasted pepper, Swiss cheese, tangy red onion, and creamy pesto mayo.
It was excellent and…huge! Beginning to see a theme? Jeff got a special, the steak sandwich – tender steak on some more of that delicious thick bread.
Oh yes, it was hearty meal at the Franklin Hotel. The people were good, the food was good, and we loved the whole experience. This family business has been open for over 40 years, and I hope it sticks around for another 40!


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Equipment Lease Finance Industry confidence declines in October
"Circus" in U.S. congress viewed as holding back investment in equipment among small businesses.
in the NewsQ4 2017 Rail/Intermodal Roundtable: Improvements apparent; work remains The State of the DC Voice Market Inside look at Rocky Brands Inc.'s E-commerce Distribution Center: Upgrade with lights System Report: Rocky Brands Sees the Light Pharmaceutical Handling Adapts to DSCSA More News
The Equipment Leasing & Finance Foundation (the Foundation) has released the October 2013 Monthly Confidence Index for the Equipment Finance Industry (MCI-EFI) today. Designed to collect leadership data, the index reports a qualitative assessment of both the prevailing business conditions and expectations for the future as reported by key executives from the $725 billion equipment finance sector.
Overall, confidence in the equipment finance market is 54.0, a decline from the September index of 61.3, demonstrating the negative impact of the federal government's budget response on an otherwise steady industry outlook.
When asked about the outlook for the future, MCI survey respondent Valerie Hayes Jester, president, Brandywine Capital Associates, Inc., said, "The future of the industry remains optimistic. My larger concern is for the future of our country and the inability of our government to lead. Ultimately, the stalemate in Washington will have a negative effect on our economy in the short run. My hope is that we can get small business back on track and investing again in equipment in 2014."
October 2013 Survey Results:
The overall MCI-EFI is 54.0, a decline from the September index of 61.3.
● When asked to assess their business conditions over the next four months, 11% of executives responding said they believe business conditions will improve over the next four months, down from 30.3% in September. 74% of respondents believe business conditions will remain the same over the next four months, up from 66.7% in September. 15% believe business conditions will worsen, up from 3% who believed so the previous month.
● 7.4% of survey respondents believe demand for leases and loans to fund capital expenditures (capex) will increase over the next four months, down from 33.3% in September. 77.8% believe demand will "remain the same" during the same four-month time period, up from 63.6% the previous month. 15% believe demand will decline, up from 3% who believed so in September.
● 18.5% of executives expect more access to capital to fund equipment acquisitions over the next four months, unchanged from September. 81.8% of survey respondents indicate they expect the "same" access to capital to fund business, and no one expects "less" access to capital, both also unchanged from September.
● When asked, 33.3% of the executives reported they expect to hire more employees over the next four months, a decrease from 36.4% in September. 66.7% expect no change in headcount over the next four months, up from 60.6% last month. No one expects fewer employees, down from 3% of respondents who expected fewer employees in September.
● 85.2% of the leadership evaluates the current U.S. economy as "fair," down from 90.9% last month. 15% rate it as "poor," up from 9% in September.
None of the of survey respondents believe that U.S. economic conditions will get "better" over the next six months, a decrease from 18.2% in September. 89% of survey respondents indicate they believe the U.S. economy will "stay the same" over the next six months, an increase from 79% in September. 11% believe economic conditions in the U.S. will worsen over the next six months, up from 3% last month.
● In October, 33.3% of respondents indicate they believe their company will increase spending on business development activities during the next six months, an increase from 30.3% in September. 66.7% believe there will be "no change" in business development spending, unchanged from last month. No one believes there will be a decrease in spending, down from 3% who believed so in September.
October 2013 MCI Survey Comments from Industry Executive Leadership:
Bank, Small Ticket
"Our industry is poised to help fuel economic expansion. Unfortunately, the circus in the U.S. Congress is holding back, if not threatening, the recovery we have prepared for." Paul Menzel, president and CEO, Financial Pacific Leasing, LLC
Bank, Middle Ticket
"With the continuing dysfunction in Washington due to the lack of any effective leadership, the short-term outlook for the equipment finance industry is very clouded. Demand for financing will likely continue with the see-saw pattern we have experienced over the last several years." Thomas Jaschik, president, BB&T Equipment Finance
Bank, Middle Ticket
"The dysfunction in D.C. is now at a critical stage. If the government doesn't learn how to deal with these issues in a more timely manner, we will lose the confidence gained over the last year causing further weakness in the economy." Kenneth Collins, CEO, Susquehanna Commercial Finance, Inc.
Survey results are posted on the Foundation website, included in the Foundation Forecast newsletter and included in press releases. Survey respondent demographics and additional information about the MCI are also available at the link above.
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Article TopicsEconomy · ELFA · Equipment Investment · Equipment Leasing and Financing Association · ·
10th Annual Salary Survey: The Price of Performance Let's put Automatic Data Capture (ADC) Technology to Work View More From this Issue


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The Amazing George W, via PlasticBag. Can we get Cheney with the J. Jonah flattop?
Dubya sets a new (and dubious) record for raising midterm campaign cash. "There's some senators up there who would rather listen to special interests in Washington, D.C., than listen to the voice of the people," Bush told Republicans in Little Rock. "There are senators who would rather give us a rule book this thick about how we have to behave, and what we must do to protect the homeland than to trust any administration for protecting America." THAT's his speel? I've heard better, more plausible stuff on late-night infomercials. I guess if you're a GOP bigshot and you've already thrown lots of money Dubya's way, all you can really do at this point is protect your investment.
Three different formats vie to become the standard for blue laser DVD's, expected in the market by 2005. No 8-track worries just yet – all models will be retro-compatible with red-laser DVD's.
"The only thing the FISA court proved was that when wolves are guarding the henhouse, they eat a lot of coq au vin." The always incisive Dahlia Lithwick rails against secret courts and the overlooked provisions of the Patriot Act.
Does Osama Bin Laden have a Hari Seldon complex? This article examines the (possible) links between Al Qaeda and Isaac Asimov's Foundation series. (Via Julian's Jabberings.)
Also in TNR (it seems the links are coming in pairs today), Nicholas Lemann critiques Robert Caro and Master of the Senate, the third volume in his LBJ series.
John Judis blames Michael Powell's deregulatory fixation for telecom's collapse. "Powell has proven a disaster…Like Harvey Pitt, the chairman of the Securities and Exchange Commission (SEC), Powell would be ripe for replacement–if his feckless, ideological approach didn't so perfectly reflect the president he serves." To be fair, telecom was starting to look a bit peaked before Powell was Chairman (although that's also partly because Powell was something of an obstructionist on the commission before his ascent.) And, while I'm sure it's risen lately, demand for broadband services was egregiously low back in 2000. Like campaign finance reform, it's one of those things you'd expect people to be all over, but for some reason it just isn't reflected in the numbers. Without a true "killer app" for broadband (Napster/Kazaa comes close, but it's not it), low demand will continue to be one of the reasons why the big boys aren't building out. That all being said, I agree with the fundamentals of Judis's piece.
NASA finally goes ga-ga over Lance Bass. "What's exciting about this is getting a creative person up there," said Duane Carey, a space shuttle pilot and father of two teens. "Maybe some songs or some poetry or some type of inspiration can come out of it." Um, I think it's great that Bass is getting a chance to pursue his dream, but let's not get ridiculous here. We're not sending W.H. Auden or Bob Dylan into space…heck, we're not even sending John Tesh. Expecting anything more than "Girl, you knock me outta this world!" from Bass is just wishful thinking.
Also from Slate, has John McCain removed himself from contention in 2004?


text:
Whether I agree
with the fight or not,
I admire people
who take a stand.
I, however,
sometimes take offense
WHEN people take a stand.
I was in a meeting yesterday.
There were major problems
that had to be resolved
around a new commodity tax.
One of the participants
somehow swung the discussion
into whether or not
same sex couples should have full benefits.
He was passionate.
He cared.
He completely derailed
an until then productive meeting.
Key stakeholders walked out.
I eventually did the same.
I was there to advise
on commodity taxes,
not debate same sex rights.
Take a stand
but choose the right battlefield.
Don't hijack another person's meeting.
This entry was posted on Wednesday, May 26th, 2010 at 6:00 am and is filed under Corporate Games. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.


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Last Contents
E3 2017: Yakuza Kiwami Is The Generous HD Remake Yakuza Deserves
July 5, 2017, 1:07 a.m.
PSX 2016: Yakuza 6 and Yakuza Kiwami coming to the west
Dec. 5, 2016, 12:44 p.m.
All News
Last Images
In 2005, a legend was born on the PlayStation 2 – the legend of Kazuma Kiryu, the Dragon of Dojima, in his video game debut with Yakuza. Now, 11 years after that release, a new generation of players will be able to experience the incomparable action and drama of the Yakuza series with the rebuilt-from-scratch HD remake, Yakuza Kiwami.
Also for: PLAYSTATION 4 , PLAYSTATION 3
Genre: Action
Release Date: 08/29/2017


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just so you know: you are more than enough & you are not too much.
Available now on SoundCloud, GooglePlay, and iTunes.
And tell your friends!!!
You can even click below to listen from here!
What follows are 18 podcasts so far – recorded over a period of about 4 months. More to come, but in the meantime, plenty to listen to, (hopefully) learn from, and enjoy.
Podcast #1 – Saying No and No and No, Again!
Podcast #2 – Crazy, Unstoppable Desire and Hope
Podcast #3 – You Are Not Invisible
Podcast #4 – Don't Look Back – and Do!
Podcast #5 – A Story Like Yours
Podcast #6 – Persist! Persist! Persist! (You're not alone in this.)
Podcast #7 – About being the miracle you (already) are!
Podcast #8 – About value and worth, courage and love. What else?
Podcast #9 – An unexpected place for profound truth.
Podcast #10 – Changing it up: MY story worth telling!
Podcast #11 – You are irresistible! (I'm right about this.)
Podcast #12 – Taking steps. Shedding tears. Knowing joy.
Podcast #13 – About death and life and miracles.
Podcast #14 – Trust your heart. Take crazy risks. Let go of the outcome.
Podcast #15 – An excruciating story that MUST be told!
Podcast #16 – How women ALWAYS change history. Including you!
Podcast #17 – "Limned." A story told by four women – for World Storytelling Day.
Podcast #18 – Why happy endings matter…


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Fat Fridays by Judith Keim
Romance (Very sweet)
This is a cute story of five women who meet on Fridays for lunch to talk about life. The rule is that calories don't count, hence the title "Fat Fridays." It was too sweet for my taste. Also, there were some clichés like "she had a body that wouldn't quit."
I think this was too syrupy sweet even for my grandmother. Sukie, the protagonist, is my age (early 40s), but seemed like she was from an entirely different era. If you want a sugary read, I'm sure you'll enjoy this.
Size Matters by Allison Bliss
Romance (Some sex)
Leah is a plus-sized woman who owns a bakery. Sam is a man who just broke up with a woman who was ready to marry him and have his kids not because she loved him, but because she'd decided it was time to get married and have kids. After that relationship, Sam is trying to avoid women. Sam and Leah meet at a bar. His friend Max is interested in Leah's friend, Valerie, who is a similar size as Leah but her size doesn't bother her. Though Sam is attracted to Leah, he doesn't want a relationship. She misunderstands and thinks he's not attracted to her because of her size. When he tries to explain and make amends, he ends up driving her to her ex-fiances wedding to help her deliver the wedding cake she'd made. In an effort to help her not feel bad about her ex marrying a skinny, vacuous woman, Sam lies and introduces himself as her fiance. Naturally, there are a bunch more lies and miscommunications. Mixed in between is a lot of sex and them falling for each other despite themselves.
The title refers to both a woman's dress size and a man's you-know-what size. The latter was a little strange to be talked about so much—everyone is an adult in this story, and who talks about that much as an adult? Discussing Leah's weight made sense because her mother constantly gives her a hard time about it, and Leah's sensitivity to the issue is partially why it's so easy for her to misinterpret what Sam says to think his hesitance to date is about her weight.
This is a breezy, cute, fun book.
Craving by Helen Hardt
Romance (Explicit)
You will like this book if you like the following: Explicit sex scenes (lots of them) in which words like "obey" and "possess" are used frequently. Also, you need to enjoy books that end in a cliffhanger. I like series, but I like them to be stand-alone books, so if you read them out of order, it doesn't matter. I didn't realize that this book ended in a cliffhanger, so when I reached the end, at first I thought it was an error and that the book had been cut off mid-paragraph.
I'm not a fan of explicit sex scenes, but taking that out of consideration, I thought the story of a woman dumped at the altar who goes to stay at her girlfriend's ranch was good. While Jade hangs out at the ranch, waiting to hear if she passed the bar exam, she falls for her friend's troubled brother. The hero has the unlikely name of Talon Steel, and his back story was mostly filled in by the end; it was compelling.
If you plan to read the next book immediately after finishing this one, you should enjoy this.


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Latest Long Emo Hairstyles For The Girls
The girls which are fond of many fashions and they remain in search of every new fashion whether it is in the dresses ,in the shoes ,bags ,hairstyles, make up and all the things which is in the grooming of girls. the girls become fed up with the dull routine of same hairstyle they want to adopt the new hairstyles which is in the Emo fashion you can go with the Emo hairstyles which are very famous now a days in the Emo hairstyle not only the short hairstyle are common rather long and short both can be carried according to the fashion.
Hairstyle can change your overall look if you have a hairstyle for many years then you have need to change it because it effects on your face .now a days the Emo fashion style is very attracted for the girls because they have mostly straight and choppy lair haircut in the Emo hairstyles the girls have mostly bangs and the dark color are very common as just like blue ,orange ,pink, green and the red these color give them new and different look from the others. So now a day's long Emo hairstyles are in trend you can adopt any one hairstyle for you.
Wavy Emo hairstyle:
Wavy hairstyle in the burgundy shade is looking so cool the Omber effects which are very trendy now a days you can make such hairstyle for the party look if you are going in the party or any dance club then you should dye your hair in the burgundy and the dark purple color and it is up to you that the layer and the step hair cut will be suited you.
Black with the dark purple shade:
If you want to go with the something new then you can dye your hair in the dark purple and the bottom is black with the straight choppy haircut for the college girls the side bangs with the hair band braid is giving you a gorgeous look if you are a college girl or go to school then you can make this hairstyle in your vibrant hair color.
Multi tone hairstyle:
Emo girls like the new and classy things so if you want to go new and stylish things then make the multi tone hairstyle with the thick fringes and the bangs you can use the multi pins and the clips for making your hairstyle more beautiful the lower level of your hair is brown you can do the ponytail in this hairstyle because your hair is straight the ponytail will give you an innocent look.
Blue color hairstyle:
The Emo girls like the vibrant colors so the dark blue color the overall hues are in the faint blue the center is dye in the light blue and the edges of the locks are in the deep blue it is Ombre style the dark and the light mixture of blue is making your look romantic and beautiful the straight from the front and the bottom in curled style you are looking so trendy.
Black and red color:
I have already mentioned that Emo girls like the dark and bold colors which give them nice and eccentric look from the others black color is mostly liked by the boys and girls both so you can two romantic colors black and red if you are going in any club party or café then you can dye your hair in the black and red shade the upper portion is red and the edges is highlighted with the black color .
Bold black hair:
Some girls who want to look like royal and the rich look they keep their hair pure black the long layered haircut silky choppy style with the thick bangs you can make the half up and half down hairstyle for your long hair if you are going in any beach party or dinner then make this hairstyle and go you look so decent and beautiful in the Emo look.
Messy hairstyle:
The messy hairstyle is very trendy now a days the girls are adopting this hairstyle in a large number in your wavy messy hair make the hairstyle which can change your overall look the brunette and the blonde color is used in the hair dye you can do the match to your dress and these colors can give you an attractive look you can make the messy braid in this hair.
For the girls many hairstyles which are Emo inspired are in the gallery you can see and adopt these styles all have unique colors and styles for the teen agers it is good style for those who are attracted from the Emo look.
Category: Emo Hairstyles


text:
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Letter(s) from Diennis Aku to Ron (USA)
Letter 1
Thanks for the letter so nice to read from you again Ron...You know i do feel good and all excited each time i receive a letter from you,i guess is a good start for Us for a long lasting relationship....(smiles)I really would like This relationship to work for Us and take it to the next Level...Yes your letter did came through and i wonder why i was unable to send you a letter,I guess the fault is from my End...
Well Ron Like i already told you that am interested in building a serious relationship with You and see how it goes...You already know that am single and also I have a Son and He lives with Me and Mother...My dad past away some Years back,we miss Him though and I know He's happy where ever He is....(smiles)
Tell me more about You Ron and what You seek for in a woman...?what do you do for work...?Your likes and dislikes...?How about a chat someday on yahoo messenger that way we get to know and learn more from each other better and see how it goes...Hope to read from you soon again and do have a nice weekend and take care...Am attaching some Photo of I and my Son..Hope you like it..?would also like you to share some More photo of you wit me..?
Letter 2
Thanks for the letter Ron so nice to read from you again..Hope this letter meets you in good state of Mind and Body..I also do think of you Ron ,cos there is no day that passes by that i dont think of you,at home and even at my place of work and i know you also do think of me..(smiles)I already told my friends and Family about You,i mean our relationship and they were glad to know and hope to meet you someday Ron,most especially my Son Tom...(smiles)
You make me feel like I can fly. I'm in love with you even though I am thousands of miles away from you; I am forever by your side.....Although we've never met, I feel as if I know you well. I knew from the start that there was something special about you; you've touched my heart and wouldn't let go. Our relationship has given me a lot of dreams, and now I feel hope. You entered my thoughts and magically erased all of my fears with your sweet and caring ways. Now I look forward to each day and feel so much at ease with you. I'm so grateful that we're able to share our problems and aspirations with each other. It truly seems as if you're a part of me, as if our time together was a melding of souls. The thought of you fills me with smiles, and I can't wait to hug you each day....(smiles)
I will look for you online later today by 3pm my time okay Ron...do have a nice day and take care...Missing you already and will be thinking of you like always...Hugs and kisses..bye for now
Letter 3
Good Morning Ron,Thanks for the letter so nice to Read from you again and I must say i do feel good and excited each time i read from you..(smiles)Well I just wanted to do something simple to say I love you and to put that smile I love so much back on your face. I want everyone to know how much you mean to me. Ever since you have entered my life, I've been flying on Cloud 9 and I have not come down yet....(smiles)
I tell you this everyday, but you are the most beautiful person I know, inside and out and I see that more clearly with each passing day. I love everything about you, about us. You do something to me that no other has, you have made me so happy, the happiest I've ever been. You give me the most amazing feelings inside, the feeling of being in love with you...I am so thankful though. In this short time that we've been together, we have grown so much and I can't wait to see what the future holds for us.....
Well I read your letter and I went through the MONEYGRAM OUTLET in COTONOU that you sent to me,well Yes there are also located here in Cotonou,the only thing is that they ar not close to where I live and work Ron..You know am always working Monday to saturday and before i can be able to go pick it up,they would have closed for the day....and i also understand that they dont operate on Sundays,which i dont go to work...The reason why i wanted us to Use the WESTERNUNION ,is because there are some WESTERNUNION OUTLET close to where I work and also Where i Live and it will be easy for me to go there to Pick it up..I understand that the charges at WESTERNUNION is abit High than the MONEYGRAM,but i know is easy and Safe for me to pick it up and begins with my Traveling processing Ron..and I was told that the Limit of Money that you can send via WESTERNUNION is about $3000 or more....Hope you understand what I mean Ron..!!!But if you still insist that we should Use the MONEYGRAM is okay by me,i guess i will have to skip work for a day so that i will be able to go pick it up from MONEYGRAM..!!!
Wish i could go on and on Ron,but i need to Run some erands here..will look for you online same time so that we can chat more okay..I want you to always know that you ar always in my Heart and Mind and that is where you will always be Ron..Hugs and kisses and take care...bye for now
Love Always
Letter 4
How are you doing Ron and How was your Night...!!!Thanks for the lovely letter,i do enjoy reading your Note,so nice to read from you Ron...Thought about you all Dya Yesterday,at Home and even at my Place of work and wondering what You were doing..(smiles)I know you also were thinking of me too and i really do appreciate it Ron...
Of course I do feel very comfortable with all Your questions Ron,i believe the only way we get to know and learn more from each other is by asking questions...(smiles)
Well You asked me How long have been with Eharmony,well like i told you earlier Ron that am new to online dating stuff and also Eharmony,Have been a member for about 2 to 3weeks Now and I dont go to the site Much..When i first received a note of my Match and I saw you Ron,My heart misses a Beat and feels like have known you even before now and wants to know and learn more from each other Better and see what the future hold in store for Us...Tell me Ron,Do you Believe in LOVE at First sight...?(smiles)Well i also told you that i was Heart broken in the past,so am little caution now so as i dont get hurt the second time,i will say am picky when it comes to my soul mate,the Man that i would spend my Life with and to build a Home and family together...That is why i seek for a Honest,open and faithful Man and you have the qualities that a looking for in a Man Ron,what else does a woman needs..There are lots of Men out there that are here to Hurt ones feelings,but when I look at You Ron,I feel that you are different and have a Good intention cos my Heart also feels good about You and Us and that is why i want to build a long lasting relationship with You Ron...(smiles)
you're always lighting up my heart with the things you do and say. I feel so happy just being with you this way...I am so thankful I met you! You are the most important person in my life. I never thought I would find someone like you to share my life with, and now I don't even want to imagine what my life would be like without you in it..I'm simply hanging by a moment, waiting to see you soon Ron, so you can hold me so tight that all else fades..
You make me feel special and wanted and for that alone I am thankful Ron..(smiles). You are my inspiration. I can turn to you when I have no other and it feels as if the world is out to get me. I feel protected with you. You have stolen my heart and I am not even upset. This was a robbery waiting to happen, one that I am glad for. I just ask that you cherish it for it is my only one....
I wish i could go on and on,but i need to go run some erand,will chat with you later today on messenger before you leave for your Doctor Appointment...!!Missing you already and will be thinking of you like always...Hugs and kisses..bye for now and take care..
Love Always
Letter 5
How are you doing Ron and How was your Night..?Thanks for the letter so nice to read from you...(smiles)How was your Appointment with You Doctor yesterday,hope it went well?..Thought about you all day yesterday and i know you also do think of me Too..(smiles)
Yes I did checked on cost of Air Fare and is about $2000 and above...well To be honest with You Ron,i cant afford to Pay for the Air Fare all alone,wish I could..I have some Little savings that I can come up with some Part of the Money..I want this to work for Us Ron,I can't wait to be next close to you and to know and learn more from each other better and see what the future hold in store for Us...(smiles)
I wanted to tell you today how good I feel about us and our future. I enjoyed being with you. It seems that everything we do is even more meaningful because it isn't just for today ... it's for always. You make me feel really happy, and I'll always love making you feel special too....I'm so satisfied with all we have together, and I'm sure that those feelings will last ... that I'll cherish you through a lifetime of beautiful tomorrows. I want you to know how pleased I am to be a part of your life, how much it means to me to know I'll always be in love with you and only you Ron..(smiles)
I will look for you later today so that we can chat more okay Ron,missing you already and will be thinking of you like always..Hugs and kisses..bye for now
Love Always
Letter 6
How are you doing and How was your Night...?So nice to read from you again,i almost thought i have did something or say something Wrong that I did not even know myself..I understand that you were experiencing Network troubles yesterday and i am so sorry to Hear Dear....Missed You and our chat Yesterday and was kind of worried....Am sure glad to know that you are okay Dear....(smiles)
Well About The Cost of Air Fare Dear,i would have came up with something more reasonable and more than what I told you i can come up with,it was b'cos Tom has not been feeling very well for the past 3 days now and was admitted to the Hospital,so have spent some Money on the Hospital Bills..Don't want to tell you any of it cos is my Problem and not Yours,i don't want to be of any borden to You...You are a sweet,nice and caring Man and I don't want You to be worried that Tom Health,am glad He's doing just fine now and was discharged Yesterday and send He's greetings....(smiles)But if You want I can loan some more money and probably will be able to come up with about $1000..How about that Dear..(smiles)
Well Dear,it seems like You are not sure of Us and our relationship Like I am sure of...cos You don't feel the way like I do...i know we barely know each other for about 3weeks now and You still not sure of the LOVE that we have for each other and that really hurts me..I want you to know that I will be that woman who's there for you just as you're there for me, the one who encourages you through life's ups and downs. But ultimately, I want to be the woman who is your everything. Not an hour goes by that I don't think about you. You have brought so much joy to my life and you give me so much to look forward to when I wake up every morning. I want you to know that I sincerely appreciate you and I can never tell you enough that "I LOVE YOU and I hope you feel same way too..?
I sure missed you and our chat Yesterday and i can't wait to chat with you Later today Dear..Missing you already and will be thinking of you like always...Hugs and kisses..bye for now


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I've been working downstairs this week, straightening up what's going to be my new "writing" space. But digging it out has been an adventure. It's astounding how much stuff accumulates, and you don't really even realize the magnitude of the task till you start trying to sort and organize. Some of you probably know exactly what I mean.
But I'm making headway. In fact, I've moved the furniture and I'm about ready to paint the walls. In just a few minutes I'm off to the hardware, bound for the paint department to choose a suitable color.
What color should I choose? Many factors enter into that important decision, not the least of which is what will be the best background for a framed "Georgia Bass Slam" certificate.
What's the Georgia Bass Slam?
Georgia's Department of Natural Resources' Wildlife Resources Division has introduced the Georgia Bass Slam "to recognize anglers with the knowledge and skill to catch different species of bass in a variety of habitats across the state, while also stimulating interest in the conservation and management of black bass and their habitats."
How does the program work? It's designed to recognize anglers in Georgia who, within a single calendar year, catch at least five of Georgia's 10 different species of black bass (with "black bass" being the scientific catch-all category which includes the various species that bass fishermen know and love).
Didn't know that there were so many bass species in Georgia? Neither did I. Eligible species include largemouth bass, spotted bass, smallmouth bass, shoal bass, Suwannee bass, redeye bass, Chattahoochee bass, Tallapoosa bass, Altamaha bass and Bartrams bass. Various species are found in locations all over the state, and I can tell you now that half the fun here is going to be tracking down and fishing waters that I have not fished before.
"Black bass are the most sought after species in North America, and for the Georgia Bass Slam we recognize ten different black bass," says John Biagi, Chief of WRD Fisheries Management. "The Slam challenges anglers to explore new habitats and different techniques to go beyond the species they normally target."
The Georgia Bass Slam rules are simple and straightforward. The fish must be legally caught on public water or on other water where you have permission to fish, and they must be of legal size if caught in waters where length restrictions apply. Where there are no minimum length limits, they have to be at least eight inches long.
To help you in your quest, Georgia DNR even provides an interactive map that not only helps you learn more about each bass species but also shows you the parts of the state where each of these bass species might be found. Check it out at georgiawildlife.com/fishing/angler-resources/GeorgiaBassSlam/SpeciesInformation.
After you catch each species, take several photos of the fish, including at least one photo of you with the fish plus one photo of the fish next to a measuring tape or on a measuring board, to confirm the species. Then simply email the photos to firstname.lastname@example.com by midnight on Dec. 31. Be sure to include your name, fishing license number, length of the fish, weight if available and the name of the county and of the lake or stream where you caught it.
If you're not sure of the species, you can still send it in and the experts at DNR will identify the fish from the photos and location info that you provide.
When you complete your Georgia Bass Slam, you will earn in addition to that personalized certificate for your wall two passes to the Go Fish Education Center and an assortment of stickers which will let you proclaim your achievement. You'll also be recognized on the DNR website, at the Go Fish Education Center and elsewhere. You'll be famous! In addition, all successful submissions for the calendar year will go into a drawing for an annual grand prize.
So that's my new goal for 2017, kind of a second-quarter New Year's Resolution if you will. I'm going to go out there and find those bass and earn that certificate. It sounds like fun and high adventure too.
Now off the hardware store for that paint so I'll have a place to put that certificate.


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Reviewed By Alexander R (Anoka, MN) Reviewed for a 2010 Cadillac CTS —1/21/2017 4:17 PM
Replacing headlights is a nightmare on my vehicle. Headlights looked great until I drove and now the drivers side is completely covered in moisture which is the reason I bought these in the first place. Terribly disappointed.


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Tuesday, March 15, 2011
Perfect Sunday
A total perfect sunday. Last week was really busy and slightly crazy, working all week, then going to Madison, then going downtown to meet a model, then only to be stood up by the model. After this weekend I really started to hate public transit. A total of 7 hours of traveling this weekend. Yeah, gross. On sunday I was feeling tired and a bit cranky, so I went out to the creek with my new lens and the cats came a long. It was sunny but with a cool breeze, a wonderful time was held by all.
Posted by Cheye at 7:30 PM
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Title: Predatory
Author: Alexandra Ivy, Nina Bangs, Dianne Duvall, Hannah Jayne
Genre: Paranormal Romance
Series: Immortal Guardians (Book 3.5), The Sentinels (Book 0.5), Underworld Detection Agency (Book 4.5)
Publication Date: May 7, 2013
Format: Paperback, 384 Pages
ISBN-10:1420125125 (Zebra/Kensington)
ISBN-13: 978-1420125122 (Zebra/Kensington)
Reviewed by: Kaitlin
Four of today's most exciting paranormal authors take readers into the thrilling realm of vampires, immortals, and other supernatural beings with a thirst for illicit desire…
Out Of Control by Alexandra Ivy
Ph.D student Angela Locke has a crush on her sexy professor, Dr. Nikolo Bartrev. When she learns he's actually a Sentinel with extraordinary powers, she joins forces with him to catch a psychopath. But soon, their hottest pursuit is of each other…
Ties That Bind by Nina Bangs
Cassie Tyler agrees to sub for her friend at the funeral home where she works. But she gets more than she bargained for when a group of men attack her and a vampire comes to her rescue. . .
In Still Darkness by Dianne Duvall
Immortal Richart d'Alençon can't forget the woman who rewarded him with a sensuous kiss after he saved her from a trio of vampires. While Richart knows that loving a human can only bring trouble, the taste of forbidden lust is too great to resist. . .
High Stakes by Hannah Jayne
When vampire fashionista Nina LaShay's design contest rival is found dead, she's the prime suspect. Sexy photographer Pike is number two. He's the kind of man who makes Nina salivate. But will she have to reveal herself to have him–and to save them both? Or does Pike have a secret of his own?
Quick & Dirty: This anthology is full of steamy love, action, and unique characters. I enjoyed some of the stories more than others, and it wasn't a huge page turner, but lovers of paranormal romance might want to give it a try!
Excerpt: Yes
The Review:
Out Of Control by Alexandra Ivy – 2 out of 5 stars
Well, this started out fine, but it went downhill from there. It seemed enjoyable enough at the beginning, and the author took her time in explaining and I had no problem with the writing style or anything else, but it's a whole other story as soon as the villain comes in.
The antagonist didn't have enough motive to be one of those characters that make your spine tingle and your hairs stand on end. Honestly, if I didn't have to create a review for this, I wouldn't have kept reading. It was kind of ridiculous: the antagonist was chasing after Angela because she wants to be beautiful, and apparently Angela has a power to do that. If it was me, I would give up and just buy some face paint, or even try out plastic surgery. Maybe if the author had given readers a chance to see from her point of view, then we could understand how desperate she was to not look like she does. I lost my interest when I realized why Angela was being accosted constantly.
Then there is Nico. He seems strong, smart, fast, and everything that a main character should be if they are jailkeepers of a place where magic users are imprisoned. But as soon as he gets closer to Angela, it almost feels as if half of his talent is tossed to the side, making his worth, at least in my eyes, decrease. He allows himself to be knocked out, he doesn't keep close enough watch on his "true love", and more.
I didn't enjoy this very much, to sum it up. I definitely saw some positive in the first few pages, but after that my interest deflated.
Ties That Bind by Nina Bangs — 4 out of 5 stars
In my mind, this represents a lot of what a good old vampire story should be. Morbid and creepy, the tone is set immediately, and Cassie's personality immediately demonstrated. Cassie isn't the typical heroine. She is easily frightened, not very strong, and although she seems smart, there is a certain frailness about her. However, this is sort of a good thing in this plotline, and reminds me of Twilight. Cassie is similar to Bella, as are Edward and Ethan, Cassie's love interest. Their love is gentle at some times, and at others fiery and passionate.
The romance was heartfelt and adorable. Ethan was both a fierce predator and a gentle lover, mixed into one little ball of conflicting emotions and 100 percent amazing. I'm not sure why I loved his character so much, but I think it was how his imperfections just made him cuter. Queue the cheesy music! Altogether, a good read.
In Still Darkness by Dianne Duvall – 4 out of 5 stars
In contrast to the first story of this anthology, I felt this started off uninteresting but became much better as it went on. This consistency was one of the only problems, the other being that the author doesn't fully explain what the character is until you are far into it, which is confusing.
I love the relationships and the way that they are built up by Duvall. For example, Jenna and her son John have a very close relationship, and the bond is so close that it's obvious John's father's death brought them together. Also, Richart and Jenna's romance slowly builds, making for an exciting love story and a couple that you can't help but ahh at. Richart: an odd name. For the first twenty pages, I swear, I was reading "Richard" by accident. But I think the unusual name helps to show that the character is unique, and in a way Richart is better.
Altogether, this is a sweet love story with just enough action, and also my favorite of these stories.
High Stakes by Hannah Jayne – 3 out of 5 stars
The irony of the name of this story, being that it is about vampires, is not lost on me. Be that as it may, I saw nothing that swayed me from making this just alright. The main character has a hilarious, girly personality (and she's a vampire…), but the love interest didn't counter her with any intriguing aspects, other than looks, so their love wasn't very balanced. Additionally, I didn't really connect with either character.
There really isn't much I have to say about this one. It's not anything to rave about, but not anything to rant about. Feel free to try it out if you liked the other stories this anthology has to offer.
FTC Advisory: Zebra/Kensington provided me with a copy of Predatory. No goody bags, sponsorships, "material connections," or bribes were exchanged for my review.
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Luxury and benefits follow those who belong to the world of premier banking. The OCBC Premier Save account is something, tailored to help grow your finances exponentially.
Premier Savings?
Unlike a regular savings account, the Premier Save Account offers exclusive interest rates to its members. These rates go as high as 3.10% for a balance of more than RM200,000. Anything below however, and the rates drop to 1.00% p.a.
Only the best for Premier Banking members, is a policy that extends to this savings account. Not only do you have the flexibility of having no withdrawal penalty, this account doesn't have a fixed tenure either.
Whatever the amount, you have full access to your funds at all times. All you need to keep the account alive is a balance of RM20!
How do I Apply?
Well first the order of business would be to be a Premier Banking Member with OCBC Bank. It's simple enough, all you need is at least RM300,000 in either investments or deposits with OCBC bank and you're good to go.
Step into a world of privilege and great wealth management by hitting that 'Apply Now'.
Premier is the way to GO!
If you didn't already know, OCBC Premier Banking member's have exclusive access to everything. From the celebrity treatment at the Premier Banking Centres to invitations for the most coveted lifestyle events. Your recognition can only increase.
Sit back, relax and experience. As a Premier Banking member, you will have a team of dedicated specialist, invested in the growth of your wealth and its management, let them do all the work, while you jet set around the world.
If you are traveling take with you the OCBC Premier Voyage Card, a credit card made to see the world with. This special metal card, comes with only the best benefits, complimentary access to KLIA Flight Lounge whenever you want, and the first class experience all day everyday.


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Did you know old Apple t-shirts are an Apple collector fan fav? They are, and I must confess I also love these old markers of Apple's days gone by. You might be surprised to learn these babies have been collectibles for a long time and there are extensive collections out there. In fact, there aren't many […]Read the rest of this entry »
Archive for the 'Macintosh' Category
New additions to my collection and Apples for everyday use
Christmas has always provided me an opportunity to add to my collection, and this year was no different. Granted, each of us buys our own presents so this is probably why. 🙂 This year I will be adding to my collection here at MyFavoriteApple several totally random Apples. Some are continuing certain subcollections, while others are newer […]Read the rest of this entry »
Apples for Christmas
My wife and I have an understanding now that we're empty-nesters and parents of twenty-somethings, and it is we buy our own Christmas presents. Before you think this approach to gift giving takes all the fun out of this holiday, oh quite contraire. Well, here it is the 17th of December and mine are starting […]Read the rest of this entry »
NIB Factory Sealed Vintage Apple Computer Company Products
Collecting vintage Apple products that are still new gets me excited. The older the Apple is the harder it is to find in this condition. It wouldn't be hard to find any old Apple in only good grade condition, but if I'm going to buy it used and in only good condition it would have […]Read the rest of this entry »
Apple Macintosh Computer Coffee Mug
Apple mugs are very popular among collectors. These ceramic cups come in all different flavors and most sport Apple's rainbow logo or name written in the large iconic Garamond typeface. Apple mugs can be relatively easy to find and some are still in new condition even after all these years. Many are pictured in the early The […]Read the rest of this entry »
Happy Birthday Macintosh
Mac is 32 today. Share on FacebookRead the rest of this entry »
Hello. My name is Macintosh
Today, I'm introducing Macintosh to the world. No, not the original machine Steve introduced back in 1984, instead, it's my puppy- a Blue Heeler/English Shepard little guy. He was 6 weeks old three days ago when I decided he'd be mine. We've had many dogs and cats over the years raising 4 kids, but now […]Read the rest of this entry »
Happy Birthday Macintosh
Mac is 30 today. I'll update this post linking Mac's 30th anniversary stories from across the web. Apple's own tribute to Macintosh Steve unveils Macintosh Remembering 30 Years Of Mac, This Week On The CultCast Apple's Original "1984" Macintosh Commerical The Macintosh Is 30, and I Was There for It's Birth, by Steven Levy The […]Read the rest of this entry »