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Once you've read up on personal finance, you'll find that there are a lot of perspectives on almost every issue. What I've found is that one should read the advice of others, but don't subscribe blindly to it. If you read A Random Walk Down Wall Street and then read Jim Cramer's Real Money, you're going to be completely unclear as to what the best route to invest is – individual stocks or index funds. The truth? They both have good cases for them and there are situations for each where they're clearly on top. There is no personal finance guru that is "right" about everything, usually because there is no absolute right.
Take the current stock market. The best thing anyone can do about the direction things are headed is guess. If you believe strongly in "buy and hold" and you hold on right now, this could turn out to be another 1929 and you could still be in the hole thirty years later. Or the housing market could be much better than it seems and August will turn out to be a bump in the road and the people who held on will look like geniuses. Should you sell? Should you hold? Should you buy? There is no absolute right answer, and anyone that says they know for sure is full of it. I certainly don't know. I can say that my observations on the housing market right now lead me to think that the market is going down from here, but I don't know that. No one knows that.
So what can a busy person do? The best thing you can do as an individual investor is to read a lot of investing philosophies and ideas and make up your own mind which one is right. That's why I review personal finance and investing blogs and books in all shades, from Robert Kiyosaki's speculative real estate investing to Jim Cramer's individual stock picking to John Bogle's index funds to Dave Ramsey's absolute elimination of debt.
What have I found? The only right answer is frugality. Spending less than you make is the only absolute right thing to do. If anyone tells you that there is more that you must do, it's simply not true. Anyone that tells you to buy or sell any sort of investment is making a guess of some sort – it might be an educated one or it might not.
Want more than just saving money? Learn. Study the material available to you. There are a lot of books out there with different ideas and a lot of blogs out there with different thoughts. I try very hard to tackle as many perspectives as possible on The Simple Dollar, for example, and because of that I sometimes am accused of putting out false information, simply because I'll write about an unpopular tactic. I don't really care – to me, the interesting part is learning how to get ahead financially and understanding every choice a person might make.
Do you want to be rich? Spend less than you earn. Learn. Do those two and you will become rich. Everything else can be debated until the sun goes down. Welcome to the conversation.
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Tyler says:
Well said Trent! JLP lost my respect with that post. JLP: Trent will always be a better writer than you.
Lazy Man says:
I'm going to add one more step… take action.
It does little good to learn about investing if you don't do it. Knowledge does nothing without action on the knowledge.
The "only right answer of frugality" fits most, but not all people. There are edge cases where people have made enough money that they don't have to practice frugality to still spend less than they earn. If you're a CEO of a company making millions a year in stock options and the like, you can be very financial comfortable NOT living by the average definition of frugality.
plonkee says:
Clearly you haven't read me. Everyone knows that I am always right.
Seriously, I agree, although I think that learning is more important.
guinness416 says:
At some point you have to jump in though. I'm still reading about personal finance (and fitness) constantly, and finding new perspectives. I've also been in index funds and gyms for most of my adult life. My current position, peace of mind, and the options I have are much the better for it.
My belief is that jumping in is a direct follow-up to learning. The more you learn, the more likely you are to find an investment philosophy that really speaks to you and one that you can feel comfortable and confident with.
j dawg says:
Well said. Excellent. Taking a position of never reading people you do not agree with is a very weak position. I do not agree with Rich Dad poor Dad. To me there is no such thing as good debt. But I will read his book for that perspective.
Good article.
Sean says:
Excellent Post!
doug m says:
well said, the last paragraph is blunt and to the point, i like that
Wim says:
Wouldn't it be better to get into a mutual fund ? It maybe wouldn't give as much profit as you can do by yourself but it will save a lot of time which can be spend on family or hobbies.
"If you believe strongly in "buy and hold" and you hold on right now, this could turn out to be another 1929 and you could still be in the hole thirty years later."
Where did you come up with that? This has never happened in the past. In fact, there has NEVER been a 20-year down period – even after inflation.
I never questioned Trent's writing ability. Rather, I questioned the logic of his post. The best writer in the world will look like a fool if they don't know what they are writing about.
Minimum Wage says:
How is one to get ahead financially if they earn minimum wage and have student loan debt? Financial literacy isn't much use without money.
Matt says:
I could not have said that better myself. I have read so many investing books and there are so many conflicting points of view out there. The only real way to learn about investing and what works is to read and research and then learn from your successes and failures. And if one method is successful once, that doesn't always mean it will continue to be successful. You just never know. Excellent Post.
AccumulatingMoney says:
As dramatic and extreme as the 1929 great depression was, unless you had invested all your money at the very top, by holding, you could have regained nearly all your losses in less than 10 years, not 30.
If you continued to invest more money as others lost their confidence, your gains would have been huge.
Leo says:
@Minimum Wage: Well, in that case, Trent's advice would be the most important thing: be frugal.
The other thing you would do in your case would be to try to get a better job (for more income), which might mean learning new skills. Which is Trent's other advice: learn.
Good job, Trent.
In addition to the two absolutes you mentioned, I would add some pretty sure things: try to increase your income if you can, while still being frugal, and save or invest the difference. How you go about doing those things, of course, is up for debate. :)
Look at this chart, JLP. Imagine we're at 1929 again. Buy and hold would be a disaster.
If you do even minimum inflation adjustment, the picture is way worse. Without doing the exact math, I would estimate that inflation-adjusted values didn't recover from 1929 until the 1970s or so. You would have been better off buying savings bonds over that long haul.
The point here is that you can paint all sorts of different pictures. One needs to do the research, find the philosophy that matches their disposition, and go with that. There is no absolute right and absolute wrong and it's very arrogant to think so.
Also, see this:
This is the Dow Jones Industrial Average adjusted for inflation over the last 100 years. If you look at this chart, you can easily make a pretty clear cut case how "buy and hold" right now might be pretty dangerous.
If I wanted to research further, I could very easily find some indications that "buy and hold" is a killer strategy.
Which one is right? I truly don't know, but I can tell you one thing: if someone says that they absolutely know, they're lying to you.
Check your email. I just sent you some data.
Lazy Man says:
It might be worth noting that there are more financial safeguards in the market now than there were in the 1929. Here are some examples of why conditions are vastly different from an About.com article.
I agree with the conclusion the author makes there. No one knows for sure. However, logically these precautions seem to make it far less likely to happen in my opinion. Due to that, I believe that something like 1929 will not happen again.
Another thing that is not mentioned is that the world is more global than ever before. When all of America was panicking, it was probably less likely that someone from Europe was going to come in with a fresh outlook to be a buyer.
Garret says:
Nice post. I agree that you can learn a lot from the plethora of investment books out there. Yet from my own perspective, some of the best lessons have come from experience. For stocks, having some money invested, no matter how small, will generally help teach and motivate people to seek more information. Plus, there's something to be said about the significant cost for delaying your investment in stocks. Someone could miss out on significant returns while hesitating on a particular investment strategy. Along with the buy-and-hold philosophy, starting ASAP is another key idea for stock investments.
If you were uncomfortable with stock investments, I would suggest starting a index buy-and-hold investing strategy with small amounts that you could bear to lose. As you gain a better understanding, add more money that's commensurate with your comfort of those investments. I agree that investing in stocks is not for everyone. If you never feel comfortable, you should probably adjust your portfolio to consist of a larger portion of safer, less aggressive investments like bonds (yawn..)and accept the potentially lower returns for the additional peace of mind.
For those who are following along at home, JLP sent me a list of annual returns of the S&P 500. That particular index has not seen a negative 20 year period. He also went back and included the S&P 90, a historical precursor to the S&P 500.
Here's a glimpse of some of the data, for those interested:
Lazy Man, in some ways I agree and others I don't. For example, hedge funds are like the old 1920s days and operate in the shadows, but own huge pieces of the market.
MossySF says:
Trent, the difference between your chart numbers and the ones JLP sent you are dividends. Just charting stock/index prices exclude dividends which are HUGE parts of total return. The current environment could be a historic anamoly — current dividend yield is about 2.5% but historically it's been 4%-7%. Or it could be the wave of the future since capital gains has better tax treatment than dividends so many companies (especially tech) prefer stock buybacks over issuing dividends.
There's a nice thread discussing the "no dividends charting" issue at Boggleheads lots of different views of historic data.
Here's one of the charts I did showing REAL return in rolling 5,10,15,20,25,30 year periods. There is 1 negative 20 year real return period — 1901-1920 and a few near zero return ones ending 1947 and 1981-1984.
Some caveats about historic numbers — the S&P500 isn't the entire market. I just don't have numbers going back that far for individual asset classes to produce similar charts. The data I do have going back to 1972 show holding different stock asset classes and doing annual rebalancing produce a good 1%-2% higher than just holding the S&P500 or the Total Stock Market.
JLP said there has absolutely never been a twenty year down period in the market, even after inflation. Mossy's links again show this broad statement to be wrong – you can find some that support that view and some that do not.
All this is doing is proving my broader point, which is to say that there are only two absolute truths in personal finance: save more than you earn and learn.
Accumulating Money says:
"Imagine we're at 1929 again. Buy and hold would be a disaster."
Again, the only way this is true is if you had only bought at the very top. Most people invest over time, so their actual losses wouldn't have been so great.
The ones that suffered are the ones who panicked and sold while the prices were low.
By "market" I mean the S&P, not the Dow. I'm pretty sure most people would agree that although not perfect, the S&P 500 is a lot closer gauge of the market than the Dow Jones Industrial Average.
I stand by my statement.
Liz says:
I'm not sure there is a good way to say this, but here goes. I love personal finance blogs. I love the simple dollar. And I think Trent has a good point here–living frugally is important, as is trying to learn. The fact is, you can't look at historical data from the past 80 years and assume that things will always be that way. We have a lot of financial talking heads who base all their advice on what has happened over the past 80 years. If you had put $20 in the stock market in 1912, it would be worth x right now. Who were the idiots that didn't do that?
The fact is that during that time there has been an explosive population growth–the world population tripled. We have also utilized a lot of the world's non-renewable resources, like oil. Both of those trends mean that we are living in a very dynamic period. It was possible to predicate economic theories on the idea of endless economic growth. This is changing. The world population is unlikely to keep growing this fast, and some people think that we have already passed the period of peak oil production. So a lot will change. Energy efficiency will become more important, as will renewable sources of energy.
Regardless of what the S&P has done for 80 years, you have no guarantee that it will rise faster than savings, etc. for the next 80 years. It may, and it may not. I think diversification merits a mention as important advice. As does common sense.
The S&P 500 did not exist during the 1920s to the 1950s. The equivalent you're using to stand by your statement is the S&P 90, which was so heavily flawed that Standard and Poors ditched it in 1963. That's an extremely weak basis for such an absolute statement that you made earlier – you're saying that "the market" during that period is represented by a 90 stock index so flawed that the creators pulled the plug on it shortly after the timeframe in question.
But you are happy to refer to the "market" as the Dow 30? Other than the S&P 90, there was no broader index at the time.
Folks, don't expect Trent to EVER admit he is wrong. He's an EXPERT on EVERYTHING!
Steven says:
My two cents: Today, we have more mutal funds and institutional investors than ever before. That is not to say we didn't have mutual funds seventy five years ago, because we did.
Mutal funds and institutional investors are a very powerful force when it comes to the market going up or down. Right after 9/11, Fidelity, in an attempt to slow the market plunge, went on a buying spree and bought millions of shares of great companies for pennies on the dollar.
So did I.
It took about 4 years to recover from the 9/11 stock market plunge. Those who stuck it out, like myself, are very financially comfortable today.
It will happen again. And, like Trent says, I learned what works for me.
MossySF says:
This data mining conversation might be getting a bit too complex for this blog but here are the explanations.
JLPs graph and mine use the same source data — SP composite index. The big difference is his rolling 20 year starts in 1926 while I have data starting in 1871. The one negative point I have (1901-1920) is before the starting point of JLPs graph. So from JLP's perspective, he just didn't have that data point when he made the "no 20-year real loss" statement.
Whether using SP90+SP500 data is flawed or not — remember that could go either way. An index that tracks a smaller number of larger stocks end up under-reporting the total market performance as small cap stocks historically have performed better due to higher risk premium. You *could* argue that the numbers before 1963 deserve a bump due to the size factor but it would be a random guess what it was.
This problem also applies to the data you cite Trent. The DJIA only tracks 30 stocks and when it launched in 1896, it only tracked 12 stocks. So the links you posted to DJIA graphs would be considered far more flawed than SP90+SP500 data. Consider that the period of 1901-1920 where my data shows a slight loss and compare to the DJIA graph. Notice how there's a big spike in 1916 and then it levels off again? Well what happened there was the DJIA increased the number of stocks from 12 to 20 and just did some kooky math to shoehorn it in — the stock market did NOT jump up 85% that year. People only cite the DJIA due to cultural reasons since the general public knows Dow Jones and has ideas of what the numbers mean but nobody in the financial industry actually uses this index.
So you might say everybody's wrong but at different degrees. The DJIA price only chart shows an investment made in 1929 would have taken until 1955 before an inflation-adjusted breakeven hit. With reinvested dividends, it actually made it back to breakeven by 1935 and started creeping up again. Until World War 2 caused another collapse pushing out the permanent breakeven to 1943. That's a difference of 26 years (w/o dividends) versus 15.
You are correct that nobody can ever say for sure something will happen. But that doesn't mean we shouldn't look at what's likely to happen and put our money on the best option. If I divide up all 20 year periods since 1871, I get the following real return summary:
-1% to 0% : 0.85%
0% to 1% : 9.32%
1% to 2% : 7.63%
2% to 3% : 5.08%
3% to 4% : 5.93%
4% to 5% : 6.78%
5% to 6% : 18.64%
6% to 7% : 14.41%
7% to 8% : 11.02%
8% to 9% : 6.78%
9% to 10% : 5.08%
10% to 11% : 4.24%
11% to 12% : 3.39%
12% to 13% : 0.85%
The chance of losing a tiny bit of money is the same as the chance of increasing your money 10X. When you consider the alternatives (ie, do nothing and guarantee loss due to inflation), it's not a bad bet to make.
But I definitely agree with spend less than you make. You can't invest if you have nothing left over.
fivecentnickel.com says:
The Dow didn't expand to 30 stocks until 1928, so even that's not an equal measuring stick across all years, either. In fact, at the outset, it had just 12 stocks.
Also, failing to incorporate dividend earnings dramatically under-represents true market performance.
Gayle says:
Regarding 1929 and onward: Lots of people were losing their homes to foreclosure, banks were failing, and jobs were hard to find. Anybody having deja vu here? Sticking it out and holding onto investments was just not an option for most people then. Not having a home or a job makes everything above academic.
Take care of the basics, frugal, practical living first. While establishing this lifestyle learn everything you can about investing. You will never be able to stop learning, because if you do the market will give you some hard lessons. And finally Just Do Something. That beats Doing Nothing over any time period you can think of.
fivecentnickel.com says:
MossySF beat me to it on the history of the Dow. :)
Ryan says:
Much as I do like this site, this "controversy" reinforces my view that Trent should leave investment advice to others. Not only is the math extremely "fuzzy" (and thankfully corrected by other comments) but giving Jim Cramer and Malkiel equal weight as investment philosophers for the average investor? C'mon! The average joe with a 401k and an emergency fund has NO business in individual stocks, and there's about a good chance that Cramer is clinically insane.
To anyone like Tyler who "lost respect for JLP with that post": Seriously, he disagreed and called Trent out on what he (and I) thought were errors. And he was pretty respectful about it. Not a big deal. I, for one, have actually learned something through all that.
Yes, you are correct. My data only went to 1926. I got my data out of the SBBI 2007 Yearbook.
My statement that the "market" never had a 20-year down period is only true for 1926 – 2006. I didn't state it that way although my chart clearly shows it is from 1926 – 2006.
Note that JLP now puts market in quotes. He's gone from his original broad statement about the stock market as a whole for all time to discussing only the 90 stocks in the S&P 90 index (and later the S&P 500) over a certain timeframe.
What's the point? You can find data to support pretty much any perspective you want, so to flat-out say someone else's investment philosophy is wrong because it doesn't mesh with your pet data sets is pretty insulting.
I'm not supporting any perspective in this discussion about stock market history, merely saying that there is data that supports both sides, and JLP's absolute statement above is not only wrong, but that the investment philosophy he uses that is based on that statement is also debatable.
The point of this post is that nothing is set in stone, and JLP is basically proving my point for me. Thank you.
bubba says:
Anybody can come up with data to support their pre-determined cause.
That $10K of stock I purchased in Pets.com back in 2000 is worthless now. Therefore, Trent is right and buy&hold is stupid. QED.
"Folks, don't expect Trent to EVER admit he is wrong. He's an EXPERT on EVERYTHING!"
What assertation in this post are you wanting me to admit wrongness on?
I'm through with you. I have wasted too much time with you and your silly ideas. You say you want to debate but that is far from the truth. Rather than debate, you want to nitpick my statements to find small inaccuracies and focus on that instead of the big picture.
I think you should stick to blogging about crockpots, bananas, and other less-challenging topics because your investing advice stinks.
MossySF says:
I re-read the original posting and I see Trent stated 30 years. If I split up SP data into 30 year periods, I get:
2%-3% : 0.93%
3%-4% : 2.79%
4%-5% : 19.44%
5%-6% : 19.44%
6%-7% : 14.81%
7%-8% : 15.74%
8%-9% : 18.52%
9%-10% : 7.41%
10%-11% : 0.93%
Pretty even distribution from 4% to 9%. 90% of 30-year periods are in that range.
eR0CK says:
Jeez, this is good. I think people should study the debate here and make a judgment on their own.
Personally, I'm 24 and I have 40+ years to retirement, despite the nervousness of some, my 401K is still up 8%+ for the year and we're not even over yet!
My point is, if you have 40+ years until retirement, these market corrections are not something to get worked-up about in most circumstances.
I disagree with pulling out your money if you're uncomfortable, rather you should discover why you're uncomfortable and find books that discuss these factors so you have a better understanding and then re-evaluate your portfolio.
For beginners, check out Bogleheads guide to investing.
eR0CK says:
I'm pretty sure this all started when talking about a 401k … what 401k invests solely in individual stocks?
If your risk tolerance is too low, put your money in a low interest baring savings account so you don't worry, but just accept you'll be forgoing future gains to mitigate your low risk tolerance.
Buy and hold has worked over and over again. Checkout a Peter Lynch book sometime.
JLP is on the money. Individual stocks are a different animal, hence why we're discussing the S&P500, your pets.com comment is irrelevant to this discussion and proves nothing.
bubba says:
Erm… My sarcasm didn't catch, I suppose. Here, I'll try it again.
Trent is correct. One should never invest when one feels uncomfortable, and should only reinvest when one feels the warm fuzzies. I was never warmier nor fuzzier than when the Dow hit 14000. I'm extremely uncomfortable now. So I just pulled all my 401(k) assets out of stocks and put them into collectibles (you know, beanie babies and the like). I will only put that money back into stocks when I feel good about it again… say, when the Dow hits 14000 again.
Thanks Trent! You ratcheted up my base fears to the point where I panicked and did something rash. Thanks goodness /someone/ is looking out for us ig'nant folk.
(Hint: I think Trent's original advice to Lila was dangerous and irresponsible. He reminds me of my middle class friends who vote Republican — I stare at them and stare and them and I just can't see what it is that causes them to vote against their own interests).
eR0CK says:
@ bubba
Thanks Bubz, it's clear now, buddy!
The way I look at it, if you had $10K invested and the DOW hit 14,000 and you pull out when it hits 13,000 … when do you jump back in? When it's 14,000 again? That's a double loss in my eyes since you'll be getting fewer stocks.
I'm Libertarian :-)
I think Trent should have outlined some considerations and not made such a bold statement such as pull out into cash or the like.
Thanks for the sarcasm clarification!
The conclusion here is correct. Market timing has significantly higher risk than buy and hold in exchange for potentially significantly higher return. It merely means that that investment strategy exceeds your risk tolerance and also your willingness to do the needed study and research to make it a success.
I am, however, really disappointed that JLP hijacked this thread to deal with his own issues, insults me, then refuses to even answer a very basic questions.
eROCK, I did go on to outline some considerations. Here's the post: http://www.thesimpledollar.com/2007/08/17/should-you-follow-an-investment-strategy-if-it-makes-you-uncomfortable-i-say-never/
eROCK says:
I understand you did make some fine recommendations, but initially you did not, that's what I meant. I apologize about any confusion.
As for JLP, he's just a regular commenter just like everyone else, but he just so happens to have a popular blog, I think it's fine.
As for he not answering your question's and you not answering his, why not take this opportunity to use this debate to inform others. Both of you can cool off a bit and maybe make a series of posts between the two blogs to outline all the considerations needed to made such important decisions? Maybe different strategies, platforms, strategies, etc? I'm sure Buffet, Lynch, O'Neil, Cramer, and others don't share the same thought process, but imagine if they got in a room together for a formal, but civil and informational debate? How cool would that be? It would be like a brain picking fest, I'd love it.
What's so great is that both of you have very different points of view and many of your readers subscribe to different points of view all the time. You know, sometimes I agree with you, other times I disagree and the same things occur when I read JLP's blog. It's not because I like JLP or you more, it's just that my opinions, risk tolerance, education, and other factors influence my decision and I think your readers and JLP's are just the same.
Please take time and consider coming together with JLP (or visa-versa) to offer some sort of series of posts between the both of you … you're both great bloggers and offer great perspectives … rather than debate numbers and indexes in the comment section of one another's blog, lets see some great stuff in terms of bipartisan posts! That would be great!
Duggle says:
Well you "I know best" types sure do like to rain on other peoples ideas. All I have is this question to ALL of you who keep trying to bandy around your investment knowledge; Are you billionaires yet? No? How about multi-millionaires? No again?
Trent's overall statement of "anyone who says they know for sure is lying" is completely true. At best you can make an educated guess, but if anyone truly really "knew" they would be billionaires already. The only person who comes to mind that really "knows" is Warren Buffet. The rest of you just try to play catch up.
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LOOK: "Supergirl" Introduces Superman in First Family Photo
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Tuesday's Citizens for Batman events in NYC and Chicago ended with enormous Bat-signals projected above the cities. CBR was in New York to see what one fan called "geeks stopping traffic."
CBR received this afternoon another package from Citizens for Batman, this time with a t-shirt and stickers and indications of a "major" event happening next week. Also revealed is a new poster.
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Index of content:
Volume 3, Issue 5, May 2013
Bulk La0.67Ca0.33MnO3 (LCMO) and NdGaO3 (NGO) have the same Pbnm symmetry but different orthorhombic lattice distortions, yielding an anisotropic strain state in the LCMO epitaxial film grown on the NGO(001) substrate. The films are optimally doped in a ferromagnetic-metal ground state, after being ex-situ annealed in oxygen atmosphere, however, they show strikingly an antiferromagnetic-insulating (AFI) transition near 250 K, leading to a phase separation state with tunable phase instability at the temperatures below. To explain this drastic strain effect, the films with various thicknesses were ex-situ annealed under various annealing parameters. We demonstrate that the ex-situ annealing can surprisingly improve the epitaxial quality, resulting in the films with true substrate coherency and the AFI ground state. And the close linkage between the film morphology and electronic phase evolution implies that the strain-mediated octahedral deformation and rotation could be assisted by ex-situ annealing, and moreover, play a key role in controlling the properties of oxide heterostructures.
Vibrational stability of graphene3(2013); http://dx.doi.org/10.1063/1.4804244View Description Hide Description
The mechanical stability of graphene as temperature rises is analyzed based on three different self-consistent phonon (SCP) models. Compared with three-dimensional (3-D) materials, the critical temperature T i at which instability occurs for graphene is much closer to its melting temperature T m obtained from Monte Carlo simulation (T i ≃ 2T m , K. V. Zakharchenko, A. Fasolino, J. H. Los, and M. I. Katsnelson, J. Phys. Condens. Matter23, 202202). This suggests that thermal vibration plays a significant role in melting of graphene while melting for 3-D materials is often dominated by topologic defects. This peculiar property of graphene derives from its high structural anisotropy, which is characterized by the vibrational anisotropic coefficient (VAC), defined upon its Lindermann ratios in different directions. For any carbon based material with a graphene-like structure, the VAC value must be smaller than 5.4 to maintain its stability. It is also found that the high VAC value of graphene is responsible for its negative thermal expansion coefficient at low temperature range. We believe that the VAC can be regarded as a new criterion concerning the vibrational stability of any low-dimensional (low-D) materials.
Strain induced phase transitions in silicene bilayers: a first principles and tight-binding study3(2013); http://dx.doi.org/10.1063/1.4804246View Description Hide Description
Using first principles and tight-binding calculations, we have investigated the structures of silicene bilayers under the isotropic tensile strain. We find that (i) the strain induce several barrierless phase transitions. (ii) After the phase transitions, the bilayer structures become planar, similar with the AA-stacking graphene bilayers, but combined with the strong covalent interlayer bonds. The tight-binding results demonstrate that this silicene bilayer is characterized by intralayer sp 2 hybridization and the interlayer sp 1 hybridization. (iii) The electronic properties of the silicene bilayers change from semiconducting to metallic with the increase of strain.
Control of two-dimensional growth of AlN and high Al-content AlGaN-based MQWs for deep-UV LEDs3(2013); http://dx.doi.org/10.1063/1.4804247View Description Hide Description
Dense and atomically flat AlN film with root-mean-square roughness value of 0.32 nm was grown on sapphire substrate at a relatively lower temperature by using a three-step epitaxy technique. On the basis of this AlN template, AlGaN-based multiple quantum wells (MQWs) with atomically flat hetero-interfaces were epitaxially grown to suppress nonradiative recombination by introducing In as a surfactant during simultaneous source supply. As a result, single intense- and narrow-peaked photoluminescence was obtained from the MQWs. Finally, the deep ultraviolet light emitting diodes with well-behaved I-V characteristic and strong electroluminescence in the range of 256–312 nm were fabricated successfully.
Extended generalized Riccati equation mapping method for the fifth-order Sawada-Kotera equation3(2013); http://dx.doi.org/10.1063/1.4804433View Description Hide Description
In this article, the generalized Riccati equation mapping together with the basic (G′/G)-expansion method is implemented which is advance mathematical tool to investigate nonlinear partial differential equations. Moreover, the auxiliary equation G′(ϕ) = h + f G(ϕ) + g G 2(ϕ) is used with arbitrary constant coefficients and called the generalized Riccati equation. By applying this method, we have constructed abundant traveling wave solutions in a uniform way for the Sawada-Kotera equation. The obtained solutions of this equation have vital and noteworthy explanations for some practical physical phenomena.
First-principles study of native point defects in Bi2Se33(2013); http://dx.doi.org/10.1063/1.4804439View Description Hide Description
Using first-principles method within the framework of the density functional theory, we study the influence of native point defect on the structural and electronic properties of Bi2Se3. Se vacancy in Bi2Se3 is a double donor, and Bi vacancy is a triple acceptor. Se antisite (Se Bi ) is always an active donor in the system because its donor level (ɛ(+1/0)) enters into the conduction band. Interestingly, Bi antisite (Bi Se1) in Bi2Se3 is an amphoteric dopant, acting as a donor when μ e < 0.119 eV (the material is typical p-type) and as an acceptor when μ e > 0.251 eV (the material is typical n-type). The formation energies under different growth environments (such as Bi-rich or Se-rich) indicate that under Se-rich condition, Se Bi is the most stable native defect independent of electron chemical potential μ e . Under Bi-rich condition, Se vacancy is the most stable native defect except for under the growth window as μ e > 0.262 eV (the material is typical n-type) and Δμ Se < −0.459 eV (Bi-rich), under such growth window Bi Se1 carrying one negative charge is the most stable one.
Annealing assisted substrate coherency and high-temperature antiferromagnetic insulating transition in epitaxial La0.67Ca0.33MnO3/NdGaO3(001) films3(2013); http://dx.doi.org/10.1063/1.4804541View Description Hide Description
Bulk La0.67Ca0.33MnO3 (LCMO) and NdGaO3 (NGO) have the same Pbnm symmetry but different orthorhombic lattice distortions, yielding an anisotropic strain state in the LCMO epitaxial film grown on the NGO(001) substrate. The films are optimally doped in a ferromagnetic-metal ground state, after being ex-situ annealed in oxygen atmosphere, however, they show strikingly an antiferromagnetic-insulating (AFI) transition near 250 K, leading to a phase separation state with tunable phase instability at the temperatures below. To explain this drastic strain effect, the films with various thicknesses were ex-situ annealed under various annealing parameters. We demonstrate that the ex-situ annealing can surprisingly improve the epitaxial quality, resulting in the films with true substrate coherency and the AFI ground state. And the close linkage between the film morphology and electronic phase evolution implies that the strain-mediated octahedral deformation and rotation could be assisted by ex-situ annealing, and moreover, play a key role in controlling the properties of oxide heterostructures.
Au-free InAs nanowires grown in In-particle-assisted vapor-liquid-solid mode: growth, structure, and electrical property3(2013); http://dx.doi.org/10.1063/1.4804542View Description Hide Description
We investigated the growth, structure, and electrical properties of InAs nanowires grown in the Au-free vapor-liquid-solid mode. We demonstrated the self-assisted vapor-liquid-solid growth of InAs nanowire with self-assembled In particles on InP substrates. We found that the III/V source mole ratio has a significant effect on the growth behavior and tapering shape. With a high III/V mole ratio (>0.11), a pure In particle at the tip of a nanowire makes it possible to grow the InAs nanowire in the self-assisted vapor-liquid-solid mode. We also found that the growth temperature range of the self-assisted vapor-liquid-solid growth was quite narrow compared with the conventional Au-assisted vapor-liquid-solid mode. A single InAs nanowire grown with a high III/V mole ratio exhibits distinct TO phonon peak in a Raman spectroscopy observation. We further verified that an undoped InAs nanowire grown in the self-assisted vapor-liquid-solid mode could function as a channel in a field-effect transistor device and the undoped nanowire exhibits n-type conduction behavior.
Growth and characterization of cooperative quantum dot chains in quaternary InAsSbP material system3(2013); http://dx.doi.org/10.1063/1.4804547View Description Hide Description
The cooperative quantum dot chains (CQDCs) are grown from In-As-Sb-P quaternary liquid phase on InAs(100) substrate with a deviation of surface orientation from (100) of about 0.3° along [010] direction. The wet chemical etching is utilized to create an additional artificial disorientation of the substrate. AFM investigations show that CQDCs mainly consist of central coupled InAsSb quantum dot (QD) sub-chains surrounded by InAsP-leaf chains. Cooperative chains have a ∼120 nm total width, over 5 μm length and directed along [010]. The separation between QDs within sub-chains is about 40 nm. The red shift of CQDCs' absorption edge is detected.
Synthesis, characterizations and antimicrobial activities of well dispersed ultra-long CdO nanowires3(2013); http://dx.doi.org/10.1063/1.4804930View Description Hide Description
We present a simple, efficient, low cost and template free method for preparation of well dispersed ultra-long (1 μm) CdO nanowires. The CdO nanowires were characterized by x-ray diffraction (XRD), Transmission electron microscopy (TEM), UV-visible spectroscopy and Raman measurements. The direct and indirect band gaps were calculated to be 3.5 eV and 2.6 eV, respectively. In the Raman spectra only second order features were observed. The CdO nanowires were used to study antimicrobial activities against B.subtilis and E.coli microbes. It shows antimicrobial activity against B.subtilis and E.coli. However, the antimicrobial activities are better against B.subtilis than that of E.coli.
Energy in a finite two-dimensional spinless electron gas3(2013); http://dx.doi.org/10.1063/1.4804933View Description Hide Description
We study the properties of a finite two-dimensional electron gas system in the Hartree-Fock approximation. We obtain exact analytical expressions for the energy in a finite two-dimensional fully spin-polarized (spinless) system of electrons interacting with a Coulomb potential immersed in a finite square region uniformly filled with a neutralizing positive charge. The difficult two-electron integrals over the finite square domain are reduced to simple compact expressions involving analytic auxiliary functions. We provide results for the potential energy of systems with a finite number of electrons and show how the energy slowly converges towards its thermodynamic limit bulk value.
A generic tight-binding model for monolayer, bilayer and bulk MoS23(2013); http://dx.doi.org/10.1063/1.4804936View Description Hide Description
Molybdenum disulfide (MoS2) is a layered semiconductor which has become very important recently as an emerging electronic device material. Being an intrinsic semiconductor the two-dimensional MoS2 has major advantages as the channel material in field-effect transistors. In this work we determine the electronic structures of MoS2 with the highly accurate screened hybrid functional within the density functional theory (DFT) including the spin-orbit coupling. Using the DFT electronic structures as target, we have developed a single generic tight-binding (TB) model that accurately produces the electronic structures for three different forms of MoS2 - bulk, bilayer and monolayer. Our TB model is based on the Slater-Koster method with non-orthogonal sp3d5 orbitals, nearest-neighbor interactions and spin-orbit coupling. The TB model is useful for atomistic modeling of quantum transport in MoS2 based electronic devices.
High-temperature ferromagnetism of helical carbon nanotubes3(2013); http://dx.doi.org/10.1063/1.4804947View Description Hide Description
We report the experimental results on the magnetism of curvature-induced helical carbon nanotubes (HCNTs). It is demonstrated that without any magnetic impurities in the sample, the as-prepared HCNTs show clear ferromagnetism with a Curie point as high as 970 K.
Organic nonvolatile resistive memory devices based on thermally deposited Au nanoparticle3(2013); http://dx.doi.org/10.1063/1.4804948View Description Hide Description
Uniform Au nanoparticles (NPs) are formed by thermally depositing nominal 2-nm thick Au film on a 10-nm thick polyimide film formed on a Al electrode, and then covered by a thin polymer semiconductor film, which acts as an energy barrier for electrons to be injected from the other Al electrode (on top of polymer film) into the Au NPs, which are energetically electron traps in such a resistive random access memory (RRAM) device. The Au NPs based RRAM device exhibits estimated retention time of 104 s, cycle times of more than 100, and ON-OFF ratio of 102 to 103. The carrier transport properties are also analyzed by fitting the measured I-V curves with several conduction models.
Horizontal cloaking and vertical reflection by transformation acoustics3(2013); http://dx.doi.org/10.1063/1.4805353View Description Hide Description
This investigation shows that if an acoustic metamaterial bounded by an external rectangle and an internal circular cavity is properly engineered by a set of transformation equations that satisfy certain requirements, it can virtually cloak an object against incoming acoustic waves in one direction and make an incoming wave along the orthogonal direction reflected by an object located inside its inner cavity. The specific transformation equations realizing the metamaterial are suggested and an analysis is carried out to investigate the wave phenomena taking place along the cavity boundary.
Dielectric response and magnetoelectric coupling in single crystal gallium ferrite3(2013); http://dx.doi.org/10.1063/1.4806762View Description Hide Description
Here we report the dielectric response and electric conduction behavior of magnetoelectric gallium ferrite single crystals studied using impedance analysis in time and temperature domain. The material exhibits two distinct relaxation processes: a high frequency bulk response and a low frequency interfacial boundary layer response. Calculated bulk capacitance as a function of temperature showed an anomaly at ferri- to paramagnetic transition temperature (∼ 300 K), suggestive of magneto-dielectric coupling in the material. Interestingly, we also witness an abrupt change in the activation energy at ∼ 220 K, in the vicinity of spin-glass transition temperature in GaFeO3.
Low temperature solid state processing of pure P3HT fibers3(2013); http://dx.doi.org/10.1063/1.4806764View Description Hide Description
Fibers of pure poly(3-hexylthiophene) (P3HT) of 1 and 2 mm diameter, were produced from solid state processing at temperatures of 200, 150 and 100ºC, i.e. up to more than 100 ºC below the melting point of P3HT (∼240 ºC), using a small device reminiscent with the early stage polymer extrusion machines. The fibers produced by this method are continuous and mechanically robust. WAXS results show that the macromolecular chains of P3HT are preferably oriented along the fiber axis. This study clearly shows, for the first time, that P3HT fibers can be processed without solvents well below the polymer's melting temperature.
Resonant mode behavior of lumped-resistor-loaded electric-inductive-capacitive resonator and its absorber application3(2013); http://dx.doi.org/10.1063/1.4806995View Description Hide Description
This paper presents investigations into the resonant mode behavior of a lumped-resistor-loaded electric-inductive-capacitive (ELC) resonator, which is illuminated with a parallel polarization external electromagnetic wave. An ELC resonator exhibits a negative effective permittivity for both parallel and perpendicular polarizations. In contrast to a common ELC resonator, the lumped-resistor-loaded ELC resonator exhibits a switchable resonant mode behavior, thereby revealing a negative effective permeability. In addition, this resonator exhibits a low quality factor owing to the loaded lumped resistors. A metamaterial absorber, which consists of a lumped-resistor-loaded ELC resonator and a cut-wire strip, is designed to confirm the effectiveness of the resonator.
Comparative study of magnetic and magnetotransport properties of Sm0.55Sr0.45MnO3 thin films grown on different substrates3(2013); http://dx.doi.org/10.1063/1.4805077View Description Hide Description
Highly oriented polycrystalline Sm0.55Sr0.45MnO3 thin films (thickness ∼100 nm) deposited on LaAlO3 (LAO, (001)), SrTiO3 (STO, (001)) and (La0.18Sr0.82) (Al0.59Ta0.41)O3 (LSAT, (001)) single crystal substrates by ultrasonic nebulized spray pyrolysis have been studied. The out of plane lattice parameter (OPLP) of the film on LAO is slightly larger than that of the corresponding bulk. In contrast, the OPLP of the films on STO and LSAT are slightly smaller than the corresponding bulk value. This suggests that the film on LAO is under compressive strain while LSAT and STO are under tensile strain. The films on LAO and LSAT show simultaneous paramagnetic-ferromagnetic (PM–FM) and insulator-metal transition (IMT) temperature at TC/TIM ∼ 165 K and 130 K, respectively. The PM–FM and IM transition occur at TC ∼ 120 K and TIM ∼ 105 K, respectively in the film on STO substrate. At T < TC, the zero field cooled–field cooled (ZFC–FC) magnetization of all the films shows strong bifurcation. This suggests the presence of a metamagnetic state akin to cluster glass formed due to coexisting FM and antiferromagnetic–charge order (AFM–CO) clusters. All the films show colossal magnetoresistance but its temperature and magnetic field dependence are drastically different. The films on LAO and STO show peak CMR around TC/TIM, while the film on LSAT shows MR > 99 % over a very wide temperature range of ∼40 K centred on TC/TIM. In the lower temperature region the magnetic field dependent isothermal resistivity also shows signature of metamagnetic transitions. The observed results have been explained in terms of the variation of the relative fractions of the coexisting FM and AFM–CO phases as a function of the substrate induced strain and oxygen vacancy induced quenched disorder.
Effect of germanium fraction on the effective minority carrier lifetime in thin film amorphous-Si/crystalline-Si1xGex/crystalline-Si heterojunction solar cells3(2013); http://dx.doi.org/10.1063/1.4805078View Description Hide Description
The effect of germanium fraction on the effective minority carrier lifetime (τeff ) for epitaxial Si1-x Ge x layers is extracted using measurements on amorphous(a) Si(n+)/crystalline(c)-Si1-x Ge x(p)/crystalline(c)-Si(p+) heterojunction solar cells with x = 0.25, 0.41 and 0.56. The τeff extracted for Si0.75 Ge 0.25 is ∼1 μs, decreasing to ∼ 40 ns for Si0.44 Ge 0.56. In addition, the band-gap voltage offset (Woc) increases from 0.5 eV for Si to 0.65 eV for 56% Ge indicating an increase in non-radiative recombination consistent with the reduction in effective lifetime.
Photothermal formation of vortex flows by 1.55 μm light3(2013); http://dx.doi.org/10.1063/1.4805080View Description Hide Description
Fluid flows with four vortices were simultaneously formed on water surface based on photothermal effect induced by a laser beam of 1.55 μm wavelength. With the illumination of an optical power of 60 mW, the peak velocity of each vortex flow was reached to 1200 μm/s. Influence of optical power and attack angle on the vortex flows has been investigated. The mechanism of photothermal formation was analyzed with the assistance of a finite-element simulation.


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I have a volume mounted. If I switch to another user, this volume gets dismounted. The problem is that I want this volume to be available for every user (but putting it in their login items is not the solution I'm looking for), so: how can this behavior be prevented? (I'm on Mountain Lion)
You can stop Mac OS X unmounting user disks on log-out. This behaviour is controlled with a default (preference).
In this discussion on the Apple Support Community, Király shares the appropriate command to issue:
This command needs to be entered into Applications > Utilities > Terminal.app. Aftwards you must restart your Mac for the change to take effect.
Note that the
You may also find this Super User question useful, Automount external hard drive on Mac.


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i am, admittedly, an utter know-nothing when it comes to code and the like, hence my appreciation of the wp stuff.
that said, i got this message tonight when trying to import the platformpro default settings:
"Sorry, there has been an error.
This does not appear to be a WXR file, missing/invalid WXR version number."
now, attempting to research before i posted, i found this:
BUT, this, unfortunately, makes zero sense to me. can someone walk me through this, in layman's terms? i just don't get it.
sorry to be such a novice, just trying to learn.


text:
In This Section
Journal Forum
A Meta-Analysis of High Resolution Audio Perceptual Evaluation - June 2016
2 comments
Synthetic Reverberator - January 1960
3 comments
Sound Board: High-Resolution Audio - October 2015
4 comments
AES E-Library
A Multiple Regression Model for Predicting Loudspeaker Preference Using Objective Measurements: Part I - Listening Test Results
Part I of this paper presents the objective measurements and listening test results on 13 loudspeakers rated according to preference, spectral balance and distortion. In part II the data provides the framework for the development and verification of a multiple regression model that predicts listeners? preferences based on objective measurements. We review relevant predictive models and test one model currently used by Consumers Union (CU), a consumer product testing organization in the United States. There is no correlation between listeners? loudspeaker preference ratings and CU?s predicted accuracy scores (r = 0.05; p = .81). As the CU model is based largely on the loudspeaker?s 1/3-octave sound power response we conclude that measured sound power, alone, cannot accurately predict its perceived sound quality.
Click to purchase paper as a non-member or login as an AES member. If your company or school subscribes to the E-Library then switch to the institutional version. If you are not an AES member and would like to subscribe to the E-Library then Join the AES!
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text:
Once again summer seems to have flown by, and the Oak Ridge Community Band is rehearsing for its annual Labor Day concert marking what is often considered the unofficial end of those "lazy, hazy" days of summer. This concert will begin on Monday evening, Sept. 3, at 7 p.m. in A.K. Bissell Park, and there is no admission fee. Razzleberry's Ice Cream Lab will again be present to provide refreshments.
The Oak Ridge Community Band is promoting its upcoming 2012-2013 fall/winter subscription concert season by giving the first 300 persons attending the Labor Day concert a free ticket which can be used for admission to any one of five indoor concerts scheduled on Oct. 14, Nov. 11, Jan. 27, Feb. 24, and April 12. This is a great opportunity to come see the Community Band in a more formal concert setting but still providing the same excellent entertainment that is enjoyed at the summer concerts.
Dale Pendley, band director, has put together a Labor Day program with a variety of music including a few songs that were played at the August 5 concert which had a small audience due to rainy weather. Hoping for better weather on Labor Day, the Community Band will be performing Johny Ocean's arrangement of Dolly Parton's "Nine to Five," Pierre La Plante's "American Riversongs," and a medley of tunes in John Edmondson's arrangement of "Tribute to Louis Armstrong" featuring "Basin Street Blues," "High Society," "Hello Dolly," and "When the Saints Go Marching In."
The audience will also enjoy hearing Jerry Nowak's arrangement of "Big Band Polka," Abe Losch's "Sliding Sid," W.P. Chambers's "Chicago Tribune," and a toe-tapping Charles Hill arrangement of "Mississippi Mud." More marches on the Labor Day program include Charles Belsterling's "March of the Steel Men," John Philip Sousa's "King Cotton," and Cecil Karrick's tribute to Oak Ridge in "Atomic City March." The concert will end with a unique Looney Tunes adaptation in "What's Up at the Symphony" starring Bugs Bunny and Porky Pig.
The Oak Ridge Community Band rehearses every Thursday evening at the First Baptist Church, and no auditions are required for any interested area musician who would like to join the band. For more information visit online at www.orcb.org or call (865) 483-3044.
Location, ST | website.com


text:
On this day: May 12
POSTED: 11:37 AM May 07 2014 UPDATED: 11:00 PM May 11 2016
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The Lindbergh baby is found dead, the Soviet Union ends its blockade of Berlin, The Jimi Hendrix Experience releases its debut album, and Jimmy Carter makes an historic trip to Cuba, all on this day.
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.


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India Alba
India Alba - Global Gathering session
Celtic/Indian fusion from India Alba, performing especially for BBC Radio Scotland during the 2011 Celtic Connections Festival. Shooglenifty play The Wing in Studio One at BBC Pacific Quay, live on Mary Ann Kennedy's Global Gathering. Sketch bring their unique brand of electronically driven trad grooves to Studio One.
Listen to more from Mary Ann Kennedy's Global Gathering on BBC Radio Scotland.


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So there's this guy in Florida running for the Democratic nomination for governor. He has a plan to eliminate property taxes, create a million new jobs, provide free health insurance and free college for all residents, and lots more.
His plan hinges around a proposal to create the Bank of the State of Florida, which will pay 6% for CDs and make mortgage loans at 2% and other loans including small business loans at 3% and make billions for the state. How is this possible, you ask? Using "fractional reserve banking" just like every other bank, except using the profits for the public good.
Dr. Farid A. Khavari says he is "an economist, not a politician," and he can make all of this happen. He is also the author of a book, "Towards a Zero-Cost Economy - A Blueprint to Create General Economic Security in a Carefree Economy" that describes an economic system called "carefreeism," which he compares to capitalism and socialism here. You can download the book for free.
My question would be, if
My question would be, if banks could already do this why wouldn't one of them would have offered 5% CDs and 4% mortgages and cornered the market by now?
Also, I believe this scheme only works with the backing of the Federal Reserve and the "full faith and credit of the United States Government" across the entire U.S. banking and financial system. Not sure how it would translate to a single state-run bank. And I suppose no other banks would be allowed to operate in Florida for this to work. So the banks and insurance companies are instant enemies. Doubtful anyone could get elected against that, much less get the legislation through.
At any rate, it's a fun idea. And the guy makes some valid points in his definition of "carefreeism." I'm down with that!
I like the term, I'll have
I like the term, I'll have to read more about "carefreeism".
Works for me
So the banks and insurance companies are instant enemies
I love the guys idea! This kind of out of the box thinking could be the way out the vice grip the banks have on us now!
Another idea that works is a faith based insurance plan. MSNBC talked with members and so far none have had any problems. A fee is paid each month then when there is a need for health insurance the company or coop pays all but a 300 dollar deductible.
Their only rules are the members can not smoke, drink in moderation and do not practice sex outside of marriage.
The Florida idea really is exciting!
"They have a parody
"They have a parody troll."
Dirty deeds done dirt cheap! Special holidays, Sundays and rates!
Elementary School Math
In order for fractional reserve banking to work, there has to exist the ability of the central bank to access/borrow/print the money that it lends out. Where does that come from in this system???
Also, the member banks have to loan out the money at a HIGHER rate than they are paying to borrow it from their customers and the central bank (bank of Florida in this case). Borrowing at 6% and loaning at 2-3% causes you to LOSE money not make it.
It sounds great but unless Florida seceeds and starts printing its own fiat currency, it will never work. And even then, it will only work for so long as we are now seeing with the national model.
And then they landed
And then they landed stateside, which was __________ to happen to America.
Dirty deeds done dirt cheap! Special holidays, Sundays and rates!
based on Bank of North Dakota apparently
Ellen Brown has been beating the drum for state-owned banks all year. The State of North Dakota has profitably run its own bank since 1919.
Bank of North Dakota
how it works with widespread support among the public and the independent banking community.
[Update] I also posted this link on Ward Cammack's facebook page yesterday and asked what he thought about the idea:
Potentially good. It would need to follow the same regulations as commercial banks and have significant oversight given the problems we have seen in the TN bond fund.
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Hostelworld Recommends
We love this hostel! It gets our thumbs up for consistently high customer ratings and excellent quality scores.
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Almaran BB Trapani Port
We are a cosy guesthouse situated in the centre of the city, the best starting point to visit all points of interest. Our helpful and friendly staff will make sure that you have a pleasant stay with u... More...
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A casa di Silvana Trapani
A casa di Silvana Trapani is a nice B&B perfect if you want to relax but be in the heart of the city... More...
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Il Cortile Fiorito
We are in old city center in Trapani just 50 mt of the beach Porto Ossuna.
The B&B is located at 150 mt to the tourist port to Egadi Islands and very near to the beach.... More...
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Sole Terra Luna
In a twentieth-century building, just restored, in one of the most quiet residential uptown of Trapani... More...
B&B Parco Degli Ulivi
Hello! We are a large family who deals with all of the management of our B & B.
We are always willing to welcome you and we will find a lot of warmth, friendliness and always a big smile.... More...
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Silva 17 is a nice property that has been completely restored two years ago. From the first floor via a wooden staircase leads to the terrace overlooking the fishing port of Trapani.... More...
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Al Vicoletto
Al Vicoletto is a little apartment in the city center in front of the Church of Purgatory near the beach... More...
Casa Trinacria
Casa Trinacria offer apartments with private entrance, elegantly furnished, air conditioned and equipped with every comfort: washing machine, dryer, kitchen accessories, clothes horse, iron.... More...
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B&B Bella Trapani
Just a step from the pedestrian zone of the historical center and the landing stage to Egadi islands (Favignana, Levante, Marettimo). Very close to the railways and bus stations to go easily to the ne... More...
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Gli Agrumi Rooms
The surrounding area of Gli Agrumi Rooms is served by restaurants, caterers and bars.... More...
Appartamenti Rosa dei Venti
Rosa Dei Venti Apartments are located in Trapani Old Town. Thanks to their strategic position you can reach the most beautiful places of the province such us Salt Pans, the Egadi Islands, Pantelleria,... More...
In a small palace-looking building that was built at the end of 1900, but completely refurbished, Casa Trapani offers its guests all comforts.
Its general feature is a modern and minimalist architec... More...
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Trapani Secret
Irregularly shaped walls, rough plaster, wood beams, ancient stone arches characterize Trapani Secret.... More...
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Trapani Home
Trapani Home offer you nice rooms furnished with taste and simplicity. Each of the solutions have access to a kitchen (private or shared) equipped with everything.... More...
La Plaza Residence Levanzo
La Plaza Residence is located in Levanzo, the smallest of the Aegadian islands, easily reachable from the port of Trapani in just 15 minutes by hydrofoil.
The apartments are a few steps away from... More...
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I Giardini di Elencosta
Welcome to I Giardini di Elencosta.... More...
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La dimora del principe
Welcome to La dimora del principe!... More...
Mamma Vera Apartment
Mamma Vera Apartment is located in the old part of the city, closed to the Airport... More...
Colori di Sicilia
Apartments with two bedrooms mq.38,in a building of two floors for the exclusive use, situated in the city center, just 250 meters from the beautiful beaches of the city.... More...
B&B Centrale
Rooms are decorated with a great taste and from the heart. Every room has an air conditioner,... More...
Bed & Breakfast delle Palme
3 stars B&B in a friendly and comfortable environment.
All rooms are air conditioned and with ensuite bathroom, TV and minifridge. There is a kitchen, a laundry for the use of all guests. Free... More...
Tony House Trapani
Tony House Trapani are located in the historical centre of Trapani.... More...
Novecento Bed and Breakfast
True B&B: the owner lives in the house and a full vegetarian breakfast is served on our terrace - Free bicycles - Free H24 internet access. In Trapani, the Western point of Sicily lays an oasis of... More...
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Il Gelsomino
Il Gelsomino is a welcoming bed&breakfast, a very few km from Airport of Trapani-Birgi and the city of Trapani.
It is located in the historic centre of Paceco, a few steps from the bus stop for... More...
B&B Le Vele
The b&b le Vele is located in an ancient noble building between S. Pietro and Giudecca area in the old town centre of Trapani... More...
La Trinacria Bed And Breakfast
In the heart of the historical center in Trapani La Trinacria Bed And Breakfast will be 'pleased to welcome you to stay... More...
B&B Residenza Candia
B & B Residence Candia s located on the first floor of an old building opposite the seafront promenade in Trapani... More...
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Il Sole Blu
The B&B Il Sole Blu rises in an ancient building, which dates back to the XVIII century and belongs to the renowned Ricevuto family.
Located along the street G.B. Fardella, which is the most... More...
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THE B&B HAS BEEN TOTALLY RESTRUCTURED IN 2015.....Please advise about arrival time.
You can call or send 1 sms 15 minutes before your arrival.
Payment: Cash only, on arrival.
Al Porto is a Be... More...
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Bed & Breakfast Casalicchio
Locateded in the historical center of the town, the Bed and Breakfast Casalicchio has been created after a long and accurate conservative restauration.... More...
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text:
S.1389: A bill to direct the Secretary of the Interior to study the suitability and feasibility of designating the Prison Ship Martyrs' Monument in Fort Greene Park, in the New York City borough of Brooklyn, as a unit of the National Park System.
|Kirsten E. Gillibrand, D-NY
|1 (All Democrats)
|July 30, 2013
|Senate Energy and Natural Resources
Bill Progress
- Bill introduced in the Senate
- Bill passed in the Senate
- Bill passed in the House
- Bill signed into law
Bill Actions
Last Action
|July 22, 2014
|Committee on Energy and Natural Resources Subcommittee on National Parks. Hearings held.
|July 29, 2013
|Read twice and referred to the Committee on Energy and Natural Resources.


text:
Book your room at Rodeway Inn
Get an overview of this hotelMotel in Galloway with free parking
Situated in Galloway, this motel is 2 mi (3.1 km) from Heritage Park and 2.1 mi (3.4 km) from AtlantiCare Regional Medical Center. Absecon Wildlife Management Area and Richard Stockton College of New Jersey are also within 6 mi (10 km).
Property Features
Coffee/tea in a common area, a 24-hour front desk, and free self parking are available at this motel. WiFi in public areas is free.
Room Amenities
All 20 rooms provide conveniences like refrigerators and microwaves, plus free WiFi and satellite TV. Other amenities available to guests include coffee makers, free local calls, and hair dryers.Would you like to give us feedback? Share it! Opens in a new window
Rodeway Inn200 E White Horse Pike Galloway NJ 08205
Hotel Amenities
Hotel Amenities
Rodeway Inn features coffee/tea in a common area. Public areas are equipped with complimentary high-speed wireless Internet access. Onsite self parking is complimentary.
- 24-hour front desk
- Coffee/tea in common areas
- Free self parking
- Free WiFi
- Number of floors - 2
- Total number of rooms - 20
Family Friendly Amenities
- Free Wi-Fi
- Microwave
- Refrigerator
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Free self parking
Room Amenities
- Air conditioning
- In-room climate control (air conditioning)
- Coffee/tea maker
- Desk
- Free local calls
- Free WiFi
- Hair dryer
- Microwave
- Refrigerator
- Satellite TV service
Hotel Policies
Check-in time starts at 3 PM
Check-out time is 11 AM
Payment types
- Pets not allowed
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Hotel Name
- Rodeway Inn Galloway
- Rodeway Inn Motel Galloway
We should mention
Children 18 years old and younger stay free when occupying the parent or guardian's room, using existing bedding.


text:
The hotel is situated on the main National Highway 9 between the intersection of Ait Ben Haddou and Ouarzazate.... More Info »
Hotel Marmar is located in the centre of Ouarzazate, 1 km from Ouarzazate Airport and 700 metres from the train... More Info »
Kasbah Tifaoute Guesthouse, is located just 3 km from the Kasbah of Ait Ben Haddou and 30 km from the center of... More Info »
Dar Farhana offers spacious, air-conditioned rooms combine a Moroccan and contemporary style. Each one features an en... More Info »
Welcome: We are located in a village of earthen architecture and living testimony to the history of Morocco and... More Info »
Our Auberge has been completely renovated and welcomes you in a spirit that combines tradition and modernity. You can... More Info »
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text:
Published Jun 23, 2015
Diamonds aren't the only thing that last forever. Tell us where you'd go to get inked for life.
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The 2015 Akron-Canton HOT LIST awards are based on more than 38,000 votes from local Akron-Canton-area experts.
See the full results →
Connect with Akron-Canton Hot List
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text:
Comments about 'Utah Utes football notebook: Utes having maximum allowed practices; Boise not so much'
- Oldest first
- Newest first
- Most recommended
Utah 34
Boise 24
Longest bowl streak in the country continues. The future is Roses for the mighty U of U
- 12:48 a.m. Dec. 19, 2010
- Like (4)
- Report abuse
Chris B's 12:28am prediction of the game is a classic...can't hardly wait to hear the gloating after the big event. Nothing but roses for the Utes from here to eternity!!!
- 5:26 a.m. Dec. 19, 2010
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Good luck Utah, I know I talk alot of smack on the pages but I would really like to see a Utah win.. It hurts my toung to say it and makes my eyes squirt blood, but GO UTES...
- 6:55 a.m. Dec. 19, 2010
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Boise State 42
Utah 10
Longest streak of "delusion" in the country continues with Chris B's predictions.
- 6:58 a.m. Dec. 19, 2010
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Saw this on facebook and found it perfect for Chris B.
BYU:UTEP as BSU:utah
So long bowl streak. So long conference championships. Oh wait they didn't ever win many of those anyway.
Hello LV bowl. This year and many more to come. (IF they are bowl eligible in the future).
utah 10
- 7:04 a.m. Dec. 19, 2010
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rip em, Broncos!
- 8:16 a.m. Dec. 19, 2010
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Utes will compete, this BYU fan says "go Utes!" hope you can pull off the victory and do the great state of Utah proud!
- 8:37 a.m. Dec. 19, 2010
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Go Bronco...er...Broncos!
- 8:55 a.m. Dec. 19, 2010
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Funny how many of the TDS faithful are jumping on BSU bandwagon, perhaps because they don't have one of their own to ride?
- 9:32 a.m. Dec. 19, 2010
- Like (1)
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Conference Championships in the last 50 Years
Utah 2010 = 6
Utah 2020 = 5
In 1998, Utah basketball reached its highwater mark and has been in steady decline ever since.
In 2008, Utah football reached its highwater mark in football and now is now following the same trend as its basketball team.
Just like their bowl winning streak, Utah's best will always only be 2nd best.
Three more days until that ends also.
BSU 42 Utah 17
- 10:17 a.m. Dec. 19, 2010
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No, silent lurker, you've got it wrong. We only like BSU in this game because of their opponent. We're on every Ute opponent's bandwagon. Go Broncos!
- 10:25 a.m. Dec. 19, 2010
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I'll cheer for any Utah school unless they play my alma mater.
Get er done Broncos.
- 10:43 a.m. Dec. 19, 2010
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re: CBPapa | 6:58 a.m. Dec. 19, 2010
**Longest streak of "delusion" in the country continues with Chris B's predictions.**
The capital of delusional and denial lie about 45 miles south of RES.
- 11:14 a.m. Dec. 19, 2010
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Glad we're playing in Vegas.
Glad we've got a decent record.
Glad we're playing a real team.
Glad we have a shot at staying in the top 25 (or ever seeing it in 2010).
Glad our coach can lead (and speak).
Glad we are not the TDS!
- 12:41 p.m. Dec. 19, 2010
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I would love to see Utah pull it off but I really think they are going to get
blown away probably as bad or worse than the TCU pounding. The last few games
have shown the Utes struggling on both sides.
I'm thinking 54-3 Boise State
- 1:01 p.m. Dec. 19, 2010
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Interesting since the Utes have been to the sweet 16 in just the last 6 years. When was the last time byu was there. Oh yeah, like 1981. LOL. Nice try.
After next year when Jimmer goes to Europe, byu basketball will be back to normal too. Just wait.
Do you really want to discuss where byu is trending in football? byu vs Utep, that's all I have to say.
- 1:48 p.m. Dec. 19, 2010
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Certainly BSU is a great team. I look for Kyle and Co. to have a great gameplan
in place and the team to execute it well. I truly do think this will be Utah's
best game of the year, and the game to be a very good one.
Go Utes
- 4:13 p.m. Dec. 19, 2010
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Nice spin, but only a blind Utah homer would try to argue that Utah basketball hasn't been in steady decline since 1998.
Bogut and Neville gave Utah a couple of brief glimpses of hope, but that last glimmer of home was extinguished in an embarrassing first-round blowout in Utah's only NCAA appearance since 2004.
The Utah big game mystique in football was destroyed by TCU in 2009 and 2010, and Boise State will shatter the last vestige of Utah chest beating when the Broncos end Utah's bowl winning streak with an embarrassing beatdown on Wednesday night.
Heaps and company are just getting started.
What have U got for next year?
- 4:35 p.m. Dec. 19, 2010
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@Sports Fan.
If the Utes have been in steady decline since 1998 what does that make BYU? One win in the Big Dance since who knows when?? A 7-6 football record. Who is this guy? Before you comment on the Utes look in the mirror and realize your Cougars are terrible.
- 5:47 p.m. Dec. 19, 2010
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I find it funny that being 10-2 is considered a bad year by some. Is BSU a great
team? Sure, they are senior heavy. Can they be beaten? You bet. Ill be in Vegas
cheering the Utes!
These are great times for being a Utah fan. We are the envy of both BYU and BSU. The Pac-12 will be awesome and a great new challenge.
- 7:14 p.m. Dec. 19, 2010
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Has Zito outperformed his contract?
Kruk, Kuip, Jon & Dave dish out their players of the game
Well, we now know two new things about the San Francisco Giants.
One, Barry Zito is now fully forgiven for the first $80 million. Call it a bonus for recent services rendered if you must, or just five years of up-front money, but when you sift out his thoroughly professional behavior in the 2010 postseason, his redemptive 2012 season, and now his performance in Friday's home opener against St. Louis, and you've got a guy who has outperformed his money.
[INSTANT REPLAY: Giants 1, Cardinals 0]
Well, outperformed the resentments about his money, anyway.
And two, the Pablo Sandoval Weight story is mostly just a cheap way of defining how he's going at any given moment. Think of it as monetizing his value, only using pounds rather than dollars.
Today, he is very svelte indeed.
The Giants' 1-0 win over St. Louis Friday was more Zito than Sandoval, to be sure, and in honesty home plate Dana DeMuth's index-card strike zone contributed as much to the "1" as Zito and Sandoval did the "0."
But the Giants must constantly redefine themselves as a tough out, especially at home, and Zito and Sandoval stood out in that category – Zito, for his seven innings of three-hit shutout ball, and Sandoval for showing both range and quickness at third despite what will surely be a daily flurry of fat jokes.
They both helped make the 40-minute pregame ceremonies seem a little more like 37-minute pregame ceremonies, and moved the game at a properly sprightly pace. On a team in which pitching and defense still defines its ability to succeed, pace matters, and conversely, pace means nothing when a team lives off its bat rack and strike zone discernment.
Zito's game was not complicated; he seemed to have better strike zone command than he did in the 5-0 win over the Cardinals in the NL Championship Series last October, facing more hitters and throwing fewer pitches to do so. Only one Cardinal, Allen Craig in the seventh, reached scoring position, and that only because Zito walked Matt Carpenter with two out. At no point did he try to overthrow, or overthink, the task, and having only Angel Pagan's bases loaded walk as run support seemed to be of no consequence.
But he did have the benefit of the ballpark to envelop the few well-hit balls from Cardinal hitters, and every one of the five ground balls went at Sandoval. He turned two of them, from Carlos Beltran and Yadier Molina, into double plays, ranged well into foul ground to envelop a pop fly by Daniel Descalso, and dove to his left to snare a sharply hit grounder by losing pitcher Jake Westbrook.
The Giants are now 3-1, and hitting .210. They are averaging 2.25 runs per game. Their average game time is 2:41. And this is what they are likely to look like at their best – taut, well-pitched-and-defended, and quick. In fact, you almost got the sense that after the pregame show, which blended baseball tradition, the FA Cup Final at Wembley Stadium, Freddie Mercury at his most clichéd, and the sea burial of an old admiral, the folks didn't get enough actual baseball for their buck.
But that's the tradeoff. The sellout crowd got its pomp and circumstance, the further purification of Barry Zito, a new appreciation for Pablo Sandoval in whatever geometric shape he happens to be at, and a reminder of how 2012 actually happened.
In all, a superior bargain to a bobblehead. But not quite as much fun as extra innings. Or for that matter, a second run.