text:
2013 review: What worked...what didn't
The last twelve months brought a wonderful mix of opportunity for those that knew where to look. To the average person on the sidelines who only considers pricing as the indicator of what the market is doing, real estate in Kelowna would've seemed under-whelming to say the least. Prices weren't the big headline; however behind the scenes the right combination of positive economic factors came together to produce some little pockets in the market that yielded amazing returns in the otherwise flat market. So no, the prices haven't started climbing dramatically just yet, however informed real estate investors look for positive cash flow, or potential sweat equity to determine the viability of a potential investment. Following the fundamentals of smart investing, they continue to see their net worth and cash flow grow year after year regardless of average house values. So let's take a look at the Top 3 profitable investment property types and also the 3 big misses of the last 12 months.
1. Buying Cash-flow: Return on equity of 20% or better was very attainable for investors that focused on the specific property types that produce a rent multiplier of 10 or better. (Example: a house that rents for 2000/mo. x 12 is 24000. Using a multiplier of 10 would mean 240,000 max purchase price). Side by side duplexes, half duplex with suites, and even single family homes in strategic neighbourhoods fit this model to a "T".
Here are some great examples of properties picked up by our investors last year:
6 bedroom home near KLO Campus Student rental: POSITIVE CASH 1500/Mo |
Photo: Contributed
Photo: Contributed
8 Bed Side-by-Side Duplex w/In-law suites 4 suites rented after renovation 4 suites @ $1100/mo. $4400/mo. x 12mo = $52,800yr POSITIVE CASH $2200/MO |
2. Fail Safe Flipping: For the few that had the gumption to attempt a flip in what was still considered a buyer's market, profits of 30% and more were achieved. By following a simple reverse model template that predetermined; future price, Reno costs, carry costs and a host of typically overlooked soft costs, profits were crystallized at the outset by allowing a formula to guide them before making an educated offer.
The below property was purchased through the courts for $245,000 and was rehabbed for approx. $40,000 and sold 6 months later for $334,000. A net profit of $30k with approx. $90k invested is well above the 30% ROI. This was a great example of what's possible in today's market.
3. Investing with Rent to own exit strategy "Empowered Renters". For many, this is a brand new concept. We were able to produce amazing win-win scenarios for home buyers on the verge of being able to get a home, and investors looking to make a return while empowering others to achieve their dream of home ownership.
Below is an example of a fantastic deal that was put together in 2013.
Photo: Contributed
Tenant-Buyer under contract to purchase house by 2016 for $736,000 pays $3600/mo. Put up $120,000 deposit Investor purchased Home for $665,000 |
1. Speculation buying of condo - There weren't many new condo developments coming to market in 2013. Luckily the ones that did come to market concentrated on filling their properties with people who intended to live there. Gone are the days when a person could tie up a condo with a modest deposit and then wait for a sellout, list for more, and sell for a profit before taking possession. This is a fast track to the poor house and is in no way investing in real estate. This is speculation in its purest sense and is a fantastic way to blow savings and end up in court with a developer.
2. Resort property buying - Unfortunately, there wasn't any money to be made purchasing recreational properties this year. Big White to Osoyoos there was nothing in the market stats that showed these kinds of properties should be purchased for anything other than your own enjoyment and lifestyle. My philosophy has always been to rent these kinds of places. Investment capital is better placed into positive cash flow properties that will pay for your weekends at Big White or Osoyoos Lake and then some.
3. Speculation building - Although home starts were up marginally, we have not yet returned to a time when anyone with a builders license and access to credit could run out, buy a lot, construct something ordinary and presto they sell it and make big bucks. Building on spec is risky business and for the time being should be left to experienced builders with a proven formula that works in all markets.
Where we go from here in 2014
With sales volume forecast to rise again and with inventory on a steady downward trend, it's not long before prices begin to creep upward. With that said, it is important to remember that market appreciation is really only the gravy in a Real Estate investment. The bread and butter will always be cash flow and sweat equity. The above strategies will still work wonderfully in 2014, but will become increasingly harder to find. This is where an investment focused agent will be your ace in the hole.
To quote the legendary Don Campbell; 2014 will also be filled with opportunity, confusion, excitement, protests, politics, procrastination, predictions, and pontificators… everything we witnessed in 2013 only elevated. Our job as strategic investors is simple: to hack our way through the reeds that obscure our view, to filter the noise that covers the true market signals and to stay focused on achieving our goal of financial independence through real estate.
"It's been proven time and time again that real estate is the best way to increase your wealth."
How far can $100,000 get you?
A story of one lonely 1960's bungalow looking to make it big in Kelowna
So how far can an investor get on $100,000 dollars in today's changing real estate market? I'm often asked to consult on what is the most profitable move a person can make in spite of limited capital. There are definitely many ways to skin a cat but in my humble opinion the Holy Grail has to be the fixer upper home, with a legal suite, on a good sized Ru6 lot. For those that have no idea what I just said, this is a property with the zoning that allows two residences on the same parcel. For this example we will concentrate on the economics and the steps to take so that you can fully develop this type of property, bringing it to its highest and best use without having to go into your pocket after the down payment is made. Sound interesting?
Let's start with an example property. I'll use the one we sold to a first time investor this month. A decent sized, 1644 sq.ft. bungalow in the Capri area. Listed for $319,000 the home is currently 3 bedrooms up and a one-bedroom suite down which could be two if the unfinished area were developed. The house is in serious need of some updating and TLC. It has shown the wear of years from rentals and has a 60's vibe and smoker smell that would turn 9/10 people around at the front door.
Not our savvy investor though. To her it's a little golden goose waiting to be polished up. The backyard is large and could easily handle a second residence without sacrificing too much green space. The only trouble with this plan is the client has access to only 100K. The down payment, renovations and eventual build of the carriage home would require closer to 200K. Is the dream dead? Only for the amateurs - this requires a little confidence but will in no way put you at risk thanks to the stellar cash flow potential of the existing home.
Step 1- Strategically purchase the property with the right lending product. Most banks have a Step product, which is a combination of a mortgage and a line of credit. For this program the maximum loan to value is 80%, (65% will be in the form of a mortgage and the other 15% of the value is an interest only line of credit). This line of credit will be instrumental in executing our plan. Since you have the ability to put approximately 35% down on the home you purchased for $300,000 you would simultaneously open up a line of credit for access to the remaining 15% or $45,000.
Step 2- Renovate to add value and boost cash-flow. Our first project as new owners is to immediately bring the cosmetics of the home to a place where we can attract good renters and get the home's value up to match comparable properties in the area. In this example there were 300 sq.ft. of unfinished basement that quickly became an extra room. This room added $250/mo to the cash-flow. The entire 1944 sq.ft. property is getting a $13/sq.ft. make-over for $25,000 (that's flooring, paint, bathrooms, light fixtures, new doors and hardware throughout). The best part is, the 25K is coming off the line of credit and costs only $80/mo.
So let's take a look at what we have now. A totally refurbished, 5 bed home with legal suite, easily rentable for $1300 up and $1000 down. The new appraisal of the property would be approximately $380,000 based on comps in the neighbourhood. Your 65% mortgage is costing you approximately $800/mo and the 25K on the LOC is costing 80/mo which combined is still less than you get for just your legal basement suite. Either you live upstairs mortgage free or you are elsewhere collecting huge positive cash-flow. Pretty sweet, but we aren't done yet.
Based on the new appraisal your credit limit on the Step mortgage is now $304,000.
You have a fixed mortgage of $195,000 and have a balance of $25K on the Line. This leaves $84,000 available to you to continue developing this property. Do you know what just happens to be possible for just that amount? A value adding, revenue producing carriage home! This home can be built in three months and will immediately boost your cash flow by $1200/mo and bring the property value up to $500,000 or more.
So now let's step back and see what we've done. We started with a tired old 60's house that might rent for 1600/mo. and worth a modest $300,000. We took some sweet equity and the handy line of credit, and created a half of a million dollar estate, one that rakes in $3500/mo. of cash flow! Your payments after all the renovations are still only $1200/mo. total. To put this into perspective for us, the net monthly income is the equivalent of $14 dollars per hour in passive income. Now this is very impressive, and one could stop there after taking a huge step towards securing their financial future. The only trouble is, now that the place is worth 500K, there's this pesky 100K left available on your line of credit. Hmm isn't that what you started with? Do you think there might be other 60's beaters that would appreciate a make-over?
And now you see my personal problem with real estate, once you start, how the heck do you stop?
Top ten landlord tips
1. Take Pets - It always amazes me how few landlords are willing to take tenants with pets. There are two main reasons why ALL my rentals are pet friendly and full for that matter. For starters, tenants with pets have very few choices so not only does your phone ring off the hook from a carefully crafted ad with "Pet Friendly" in the headline, but they are way less likely to try and brow beat you on price when they come out. Tenants with pets also tend to stay longer for the same reason. Secondly, you get twice the deposit. BC tenancy laws say you can only ask for half a month's rent as a security deposit. Welcoming "Spot" sweetens the pot with an additional half month. My experience with tenants is it's not the pets we need to worry about damaging the place. In the event of a midnight dash or non payment of rent situation, you'll be thankful for the additional two weeks revenue cushion.
2. Learn to spot the BS - A prime example of the kind of stuff you need to watch out for is the phony reference. This is where they put down their buddy as a past landlord. A simple way to counteract this little scam is to phone the number provided, but instead of announcing yourself as a landlord looking for a reference, call as if you were a prospective tenant. Say, "Hello I'm calling about your place for rent." The friend that's been prompted to tell you what you want to hear won't see this coming and will respond with some kind of, "What the _____ are you talking about? "I don't have a place to rent dude, wrong number." - click. You see a real landlord would respond with one of two answers, either: "I'm sorry we are presently fully occupied" or say, "Yes what can I tell you about it?" At that point you know at least it's a real landlord you're dealing with and can quickly switch gears to get the info you are after.
3. Use TVS - Tenant Verification Services is the best thing to happen to landlords EVER. It creates some much needed accountability for tenants. Essentially it is a credit reporting agency that allows a landlord to report tenant behavior, good or bad. Delinquent tenants will find their score diminished while diligent tenants will have their scores rewarded and even receive a certificate of successful completion at the end of their tenancy, which is a reference on steroids. The best part of the entire system is the initial meeting with the client when you share with them that you belong to TVS and that their tenant habits are being recorded. They sign an acknowledgment and immediately realize you mean business. This one step alone prevents 9 out 10 issues from even occurring.
4. Have an on time payment "discount" - Sounds a whole lot better than a late payment penalty doesn't it? Essentially it's the same thing but it has one major advantage. Discounts can be taken away without increasing the rent. Landlords are restricted to very small annual rental increases. Sometimes in a good economy, the local rental market would bear a $200 dollar rental increase just to stay with the market. Unless the tenant vacates on his own, good luck raising the rent to what it's worth. This could take 3-5 years depending on the price point. Now if at the outset you had set up your tenancy like this, you wouldn't have that problem.
For example: Tenant responds to an add for a suite for $1100/mo. When it comes time to do the paperwork and before the deposit is taken, you introduce the fact that the advertised rent was taking into account your $200/mo on time payment discount. "You do intend to pay on time correct?" "Absolutely!" they will respond. "Great, because $1300 is actually the amount I rent this suite for, but for all payments timely made, I am willing to extend this discount and you can see here on my agreement that I've put this in writing for the length of our term." They will now be made aware that late payments do not benefit from your discount and the amount on the lease agreement is due for all payment made after the 1st. It is also noted that after two late payments, the discount is eliminated and the lease reverts to its $1300 amount. I've been using this strategy for two years now since learning about it through my involvement with REIN and have never had a single prospective tenant balk at this. In addition I have almost never had to impose the penalty. It works that well.
5. Learn how to advertise your properties properly - Now more than ever a basic understanding of where people go to find rental ads will be essential in remaining rented. Firstly, where to post your ads. This can be a zero cost endeavour that literally puts thousands of eyeballs on your property in the first week. Castanet is by far the cornerstone of any local rental marketing campaign. Next, Kijiji works extremely well and captures people moving to town from elsewhere. Craigslist does have a lot of horse power as well but definitely a distant third. After that a post on Facebook with a five dollar promo spend will yield about 1000 impressions. The social nature of the site will cause it to be spread to anyone looking for a new home. So that's the where, now let's speak in terms of how. There is a lot that goes into a well crafted ad, but for the purposes of being brief here are the 3 main points that are easy to implement:
- A strong Headline. This could be your only opportunity to capture your prospects' attention. Don't waste it with a dull headline. Humour works well here - anything to stand out a bit from the crowd. List your main differentiate in the headline too (huge fenced yard or steps to the beach, or pet friendly).
- Describe the property in terms of benefits to the customer. (ie: Unwind at the end of a long day in your soaker tub or, never hear your roommate snore with bedrooms on opposite sides of the home). You get the idea.
- Use Keywords. Weave into the headline and body of the ad some search friendly keywords so people using search engines will find you. People will "Google" in terms of what and where. (ie: Condo for rent downtown Kelowna). Put this phrase into your ad and it will rise to the top of Google very quickly. Kijiji especially is an SEO rock star for classifieds.
6. Preventive maintenance - It's a part of the business, maintenance items will crop up. So now you have two options. You can wait for the disgruntled tenant to call you with the news that their _____ stopped working or their _____is leaking. These kinds of calls always seem to happen on a Saturday morning when you've got a day of boating planned with your friends or at 11 at night after a long day's work and three glasses of wine. Never a good time. The other and much better option is to check in with your tenants about potential up and coming issues to get ahead of the issues. Inspect your properties regularly and take inventory of things coming up. As things reach the end of their lifespan you can pro-actively address them rather than being reactive. It's counter intuitive, but preventative maintenance is actually easier on the pocket book. Emergency repairs often require additional service costs because they need to be done ASAP and you don't have the luxury of shopping around. Where this really shows up on your books is the prevention of vacancies. Tenants of well-maintained properties tend to stay. Tenants that have things failing on them all the time tend to look for greener pastures. I learned this one the hard way.
7. Match your tenants wisely - This is applicable in the up and down or side by side duplex or suited house scenario. Anytime when two separate tenancies are sharing a wall or floor/ceiling you need to pay attention to how they mix. Sometimes just in an effort to get both of your suites full you will just take the first to come along. This kind of short term thinking can cost you nothing but headaches and create bank breaking vacancies. The single guy in his 20s beneath the family of five with three young kids bouncing, running and screaming will go together like oil and water. The older gentleman living above a couple of 20-something, girl roommates may seem like a great plan except the fact that the girls crank their Rihanna until 2 AM on weekends, and their friends cars block the poor guy's driveway.
8. Treat them like a client - Start off on the right foot. Get them a welcome present. Remember their birthday. Check in to see if they need anything. Communication is key. When you honor your tenants with respect, they will reciprocate by taking care of the property and watching out for your investment. They will stay longer and if they do decide to move on they'll give you plenty of notice and leave the suite in great condition. This is a huge piece of the puzzle and one that is missed 90% of the time. Far too often Landlords and Tenants take this adversarial approach and miss out on what can become not just a mutually beneficial relationship in business, but also a personal relationship as well.
9. Use a GOOD laminate floor - Don't fall victim to the temptation to buy the 89 cent bargain laminate you see on sale at Home Depot. This stuff will spread, bubble and chip, and replacing it is a huge hassle. Invest a little more upfront in something that will pay off huge in the long run. There's a great product at Costco for 1.74/sq.ft. It's a 13 mm laminate that looks great, clicks together easily, comes with its own under pad attached, and best of all, stands the test of time. Not having to replace your flooring every other year is equivalent to eliminating two vacant months every year.
10. Understand Rent to Own - Funnily enough you can eliminate the need for any of the first 9 tips if you simply implement this final one.
The best way to eliminate all of the risks associated with owning investment real estate is to utilize a rent-to-own strategy on any of your rental properties. Rent to own executed properly will yield a large deposit, higher monthly cash-flows and eliminate all maintenance and management. You almost completely remove the risk of vacancies. This enables you to achieve a premium sale price into the future that makes your return on the investment very worthwhile. The best part of the strategy is that you are helping people on the brink of success, people aspiring to become home owners that just need some time to get their down payment together or take care of some small credit challenges. As a licensed brokerage, Vantage West specializes in structuring win/win deals for investors and tenant/buyers that accomplish the dream of home ownership for one and a healthy return on investment for the other.
I learned all of these strategies the hard way - through years of making mistakes and paying the price. As a result I have a very expensive education that finally led to a practical intelligence not taught in any classroom. My purpose now is to share what I have learned so that other Kelowna investors can experience all of the amazing aspects of owning investment real estate and immunize themselves the kind of thing that makes you want to sell in a down market. It doesn't take very much additional effort to implement these strategies and making the choice can be the difference between an investment providing you with a 20% or better cash on cash return or an embarrassing headache that turns you off real estate forever. Good luck and of course feedback is always welcomed!
The 'L' word
What is Leverage? By definition it is; A method of financing an investment by which an investor pays only a small percentage of the purchase price in cash, with the balance supplemented by borrowed funds, in order to generate a greater rate of return than would be produced by paying primarily cash for the investment; the economic benefit gained by such financing.
So why is Leverage such a dirty word?
Canadians have been pounded over the head lately with this concept of being over borrowed. Our debt coverage ratio is the highest it's ever been - oh my! The debt ratio is based on the notion that a person's debt should not exceed what they earn in a year. On the surface that sounds like conventional wisdom, good, safe, I only pay cash mentality that many Canadians have adopted. Can we really lump all debt together? Isn't there a difference between mortgage debt and consumer debt?
What happens when we examine the debt coverage ratio of Canada's wealthiest real estate investors? People that own multi-million dollar portfolios, the ones we should be taking advice from. You will find that almost all of them strategically employ mortgages on each property they own. In fact they have it down to a science in that as soon as properties get too high in equity, the return on that equity falls below their acceptable level and they refinance. They then take the cash, get another loan, and invest in more property. Funnily enough, the highest net worth people you will encounter have debt coverage ratios so far out of whack that it would make your head spin. Ask them how they sleep at night. Let me tell you, they sleep like lumber in $3,000 dollar sheets.
The real ratio people need to be focused on is debt service ratio, meaning how much income we allocate towards the servicing of our debts (payments). This is the real stat that economists pay attention to. It just doesn't sell nearly as many newspapers.
To illustrate, let's consider a very normal Kelowna scenario; homeowner of a $400,000 home with a $360,000 dollar mortgage on it. This hypothetical Kelowna couple probably makes a combined annual income of approximately $90,000. According to the fear mongering statisticians they'd have a debt coverage of 4:1 or let's say we're trying to sell news papers - Kelowna couple has put themselves 400% beyond the nations safe debt ceiling…will they survive? Hmmm…
Let's run the numbers quickly. Their mortgage payment would be approximately $1700/mo - this equals 20% of their household income. This is approximately half of what their maximum borrowing ability would be based on CMHC guidelines. I'm thinking they'll be okay. Remember CMHC is the one holding the bag if Canadians default, so they certainly have an interest in keeping Canadians afloat.
REIN Canada shared a stat that as compared with year 2000, Canadians have a lower debt service ratio. They also pointed out that our mortgage default rate has gone down a considerable amount too. Imagine that, the important stats say we're in better shape now than year 2000? Interesting…
So let's say for a minute I've managed to temporarily neutralize the effects of this month's news headline long enough for you to take an innocent peak at the wonders of applying leverage to your portfolio.
An investor is eyeing a side by side duplex for $400,000. It's attractive because it is renting for $1500 per side or $3,000 per month. The CAP rate is strong, almost 9%. So does the investor pay cash and receive after property taxes and maintenance, a return of 6-7% per year on his money? Or….
Put 20% down ($80,000). Carry a $320,000 mortgage ($1327.28/mo), leaving net operating income at $20,072.64 per year. Less the same expenses I used for the example above leaves a net of $15,072 on an investment of $80,000. That's 18.8%, which is almost triple the return of the unlevered. But wait, there's more! What about the fact that the tenants have been paying down the mortgage? In one year they've increased his equity by nearly $7,000. That on its own is 8.75% ROI. Combine the benefits of positive cash flow and mortgage reduction, the leveraged investor is raking in 27.3% on his $80,000 investment.
And there's even more to the story! This investor still has $320,000 dollars of the 400k he contemplated placing in the duplex. What ever will he do with that, another duplex or two perhaps? Let's just say he wants to play it safe and put the remainder into a blended real estate fund offering 8-10% known as a REIT. Now he's making approximately $30,000 in dividends from that investment too. Is this making sense?
I'm thrilled to share that Kelowna residents have decided that it's time to come up from the bomb shelter and take whatever money they survived the recession with and put it to work again. Since this time last year we have seen a steady increase month over month in the percentage of real estate transactions that were purchased for investment. This is encouraging not just for the economy but for my firm specifically as we have carved out a niche in the Kelowna market as Real Estate Investment Advisors.
Recently clients have come to us looking to make a real estate investment, well done! Great choice! However many have been adamant that they pay cash for the property. Try as I might to explain the benefits of all time low interest rates and the powerful effects of leverage on their ROI, still they choose to stay away from this scary debt monster. My job is to educate and inform however, I fear consumers are far too influenced by the media and don't make the pragmatic decision to learn how leverage works. I hope this helps a few.
Read more Investment Real Estate articles
- Rent to own, good or bad? Feb 22
- Waking the Dead...Equity Jan 15
- Real estate - listen to the pros! Oct 19
- How does today's 30 year old retire at 55? Aug 13
- Flipping 101 - Is it time to quit your day job? Jul 20
(Click for RSS instructions.)


text:
52wk high:
52wk low:
PE (ttm):
Div Rate:
Market Cap:
40 people get SBB breaking news and analysis by email alert.
Get email alerts on SBB »
There are no Focus articles on SBB.
Koesterich: Mega-Cap ETFs For A Low-Growth EnvironmentTom Lydon • Nov. 19, 2012
There are no Transcripts on SBB.
There are no News articles on SBB.
SBB vs. ETF Alternatives
SBB Description
ProShares Short SmallCap600 seeks daily investment results, before fees and expenses, that correspond to the inverse (opposite) of the daily performance of the S&P SmallCap 600 Index.
See more details on sponsor's website
See more details on sponsor's website
Country: United States
Key Info
- In Your Portfolio: Core Building Blocks: A Guide to ETFs That Divide the U.S. Stock Market by Market Cap
- Asset Class Performance: Market Cap
- All
- | Earnings
- | Dividends
- | On the move
Monday, Mar 102:48 PM
- "We are getting increasingly concerned about the extended nature of small-caps," writes MKM's Jonathan Krinsky, noting the Russell 2000 as of last week closed 42% above its 200-day moving average, the most in four years. A check of the records over the last 30 years when the Russell's been more than 40% above its 200-day finds forward returns 90 days out to be negative 94% of the time, with an average decline of 7%.
- He notes biotech makes up about 5% of the Russell 2000 and that sector's rally seems particularly unsustainable.
- Small-cap ETFs: IWM, IJS, TZA, TNA, UWM, VB, IJR, SLY, EES, RWJ, VBR, VBK, URTY, SCHA, TWM, IWO, IWN, IJT, RWM, SRTY, DWAS, SAA, JKL, VTWO, SLYG, RZV, SLYV, SDD, VIOO, JKJ, RZG, RSCO, SBB, VTWG, UKK, FYX, TILT, VIOG, XSLV, FNDA, VIOV, SKK, FYT, EWRS, JKK, PXSV, VTWV, UVT, TWOK, SMLV, SJH, FYC, IESM, VLU, PXSC, PXSG
Monday, Mar 102:48 PM| 7 Comments -
Tuesday, Mar 411:54 AM
- The Dow, S&P 500, and Nasdaq are all ahead about 1.25%, but the small caps are really breaking out, with the Russell 2000 up 2.8%, at an all-time high, and now ahead 4% on the year vs. a 1.4% gain for the S&P 500.
- The index's gain over the last month sums to nearly 11%. Last week, Ryan Detrick noted the Russell was up 14 of the previous 15 sessions for the first time in its history.
- ETFs: IWM, IJS, TZA, TNA, UWM, VB, IJR, SLY, EES, RWJ, VBR, VBK, URTY, SCHA, TWM, IWO, IWN, IJT, RWM, SRTY, DWAS, SAA, JKL, VTWO, SLYG, RZV, SLYV, VIOO, SDD, JKJ, RZG, SBB, RSCO, VTWG, UKK, FYX, TILT, VIOG, XSLV, SKK, VIOV, FYT, FNDA, JKK, PXSV, EWRS, UVT, VTWV, TWOK, SMLV, SJH, FYC, IESM, PXSC, VLU, PXSG
Tuesday, Mar 411:54 AM| 12 Comments -
Wednesday, Feb 2612:42 PM
- The major averages are posting moderate gains thus far in the session, but it's another big day for the small caps, with the Russell 2000 ahead 1.3%. Off 6% for the year around the start of February and lagging the S&P 500, the small cap gauge is now up 2.3% YTD, at a new all-time high, and ahead of the S&P by 190 basis points thus far in 2014.
- Small cap ETFs: IWM, IJS, TZA, TNA, UWM, VB, IJR, SLY, EES, RWJ, VBR, VBK, URTY, SCHA, TWM, IWN, IWO, IJT, RWM, SRTY, SAA, DWAS, JKL, VTWO, SLYG, RZV, SLYV, VIOO, SDD, JKJ, SBB, RSCO, RZG, VTWG, UKK, TILT, VIOG, FYX, XSLV, VIOV, SKK, FYT, PXSV, FNDA, JKK, EWRS, VTWV, UVT, TWOK, FYC, SMLV, SJH, IESM, PXSC, VLU, PXSG
Wednesday, Feb 2612:42 PM| Comment! -
Monday, Feb 31:24 PM
- The Russell 2000's (IWM -3.3%) decline is nearly twice that of the S&P 500 and has the small-cap index now underperforming the big-cap gauge YTD (down 5.7% vs. 5.2%). It was little more than a week ago, the Russell 2000 was outperforming by about 300 basis points, and there have been numerous warnings (I, II) in recent weeks about an overvaluation in small-cap stocks that just couldn't last.
- Small-cap ETFs: IJS, IWM, TZA, TNA, UWM, VB, IJR, SLY, EES, RWJ, VBR, VBK, URTY, TWM, SCHA, IWN, IWO, IJT, RWM, SRTY, DWAS, SAA, JKL, SLYG, VTWO, RZV, SLYV, SDD, JKJ, RSCO, SBB, RZG, VIOO, VTWG, UKK, FYX, TILT, VIOG, XSLV, FYT, VIOV, JKK, FNDA, EWRS, SKK, PXSV, UVT, TWOK, VTWV, SMLV, SJH, FYC, IESM, PXSC, VLU, PXSG
Monday, Feb 31:24 PM| 1 Comment -
Monday, Jan 2712:31 PM
- Once again, it's the Russell 2000 (IWM -1.9%) leading the way as the averages tumble. Green for the year just a few sessions ago, the small cap index is now off 3.6%, though it still hasn't caught up with the Dow's (DIA -0.5%) 4.7% YTD drop.
- Earlier: Small cap biotechs torched.
- Small cap ETFs: IJS, IWM, TZA, TNA, UWM, VB, IJR, SLY, EES, RWJ, VBR, VBK, URTY, TWM, SCHA, IWN, IWO, IJT, RWM, SRTY, DWAS, SAA, JKL, VTWO, SLYG, RZV, SLYV, SDD, JKJ, SBB, RSCO, RZG, VIOO, VTWG, UKK, FYX, TILT, VIOG, XSLV, VIOV, FYT, FNDA, JKK, EWRS, SKK, PXSV, UVT, TWOK, VTWV, SMLV, FYC, SJH, IESM, PXSC, VLU, PXSG
- Apple's higher ahead of earnings this evening, but the broader tech sector (QQQ -1.5%) is also taking a big hit. Excepting Apple, all of the top holdings of the Nasdaq 100 - Google, Microsoft, Amazon, Qualcomm, Gilead, Intel, Cisco, Comcast, and Facebook - are lower.
- Broad tech ETFs: XLK, VGT, TECL, IYW, ROM, TDIV, TECS, IGM, RYT, QTEC, PSCT, FTEC, FXL, REW, MTK, PTF
Monday, Jan 2712:31 PM| Comment! -
Friday, Jan 242:29 PM
- "Investors should prepare for a bout of significant Russell 2000 underperformance," presciently wrote Michael O'Rourke of Jones Trading last night, noting how unusual it was to see the DJIA off 2.3% YTD, but the Russell up 1%. Look for that performance gap to close, he said.
- Closing it is today, with the small-cap index off 2.5%, about 1% worse than the Dow, S&P 500, and Nasdaq. The iShares Russell 2000 Index ETF (IWM) -2.7%.
- Small-cap ETFs: IJS, IWM, TZA, TNA, UWM, VB, IJR, SLY, EES, RWJ, VBR, VBK, URTY, TWM, SCHA, IWN, IWO, IJT, RWM, SRTY, DWAS, SAA, JKL, VTWO, SLYG, RZV, SLYV, SDD, JKJ, SBB, RSCO, VIOO, RZG, VTWG, FYX, UKK, TILT, VIOG, XSLV, VIOV, FYT, FNDA, JKK, EWRS, SKK, UVT, PXSV, TWOK, VTWV, SMLV, FYC, SJH, IESM, PXSC, VLU, PXSG
Friday, Jan 242:29 PM| 10 Comments -
Thursday, Jan 166:36 PM
- On January 24th the reverse split will occur, artificially decreasing the number of shares outstanding and increasing the price per share for the ETFs included in the split.
- Every 4 pre-split shares will result in the receipt of 1 post-split share and will be priced at 4 times the price of 1 pre-split share.
- The majority of the effected funds feature short term equity strategies and have underperformed during the recent economic upturn.
- ETFs undergoing a 1-for-4 reverse split on Jan 24th: EWV, EPV, QID, SQQQ, SMDD, SJH, SBB, SIJ, FXP, MZZ, TWM, SDD, SKK, AGQ, UVXY, SPXU,
Thursday, Jan 166:36 PM| 10 Comments -
Thursday, Jan 210:38 AM
- BAML's Sell Side Indicator is on the rise but remains in "extreme bearish" territory, thus continuing a contrarian buy signal for stocks.
- The latest read of 53.3% comes against the 15-year average of 60.3%. As long as it remains below 54.4%, the buy signal continues (it's spent about all of 2012 and 2013 there). As comparison, the indicator was in the same low-to-mid-50 area at the March 2009 bottom.
- The index tracks back to 1985, and until the last couple of years, sell-side consensus spent very little time in extreme bearish territory. Now it seems to be the norm.
- Index ETFs: SPY, QQQ, IVE, SH, DIA, IWM, TZA, TNA, SSO, SDS, PSQ, IVV, UWM, SPXU, UPRO, VOO, QID, VB, TQQQ, IJR, RSP, DOG, SLY, SQQQ, QLD, DXD, SKF, IWF, RWJ, RWL, EPS, IWD, URTY, TWM, SCHA, UDOW, SDOW, DDM, IVW, SPYG, RWM, SRTY, RPG, SPYV, RPV, BXUB, SAA, DWAS, VOOG, VTWO, QQEW, QQQE, TRND, VOOV, SDD, JKJ, RSCO, SBB, SFLA, BXUC, FBG, VIOO, FYX, UKF, XSLV, QQXT, FTA, EWRS, BXDB, VONG, UVG, TNDQ, VONV, TWOK, SMLV, PXSC, SJF, FIBG
Thursday, Jan 210:38 AM| 7 Comments -
Monday, Dec 92013, 12:00 PM
- December is the new January as far as small caps are concerned, with Arthur Hill pointing out it's actually the year's last month when small caps are most likely to outperform the market - they do it 74% of the time vs. 50% in January (and a range of 40-60% for the rest of the year).
- The Russell 2000 (IWM -0.2%) is off today as the S&P 500 (SPY +0.3%) rises, and thus far this month the S&P 500 - is ahead of the Russell by 140 basis points.
- Small cap ETFs: IJS, IWM, TZA, TNA, UWM, VB, IJR, SLY, EES, RWJ, VBR, VBK, URTY, TWM, IWN, SCHA, IWO, IJT, RWM, SRTY, SAA, JKL, DWAS, VTWO, SLYG, RZV, SLYV, SBB, SDD, JKJ, RSCO, RZG, TILT, UKK, XSLV, FYX, VTWG, VIOO, JKK, SKK, FYT, VIOG, EWRS, UVT, VIOV, PXSV, TWOK, VTWV, SMLV, SJH, FNDA, FYC, IESM, VLU, PXSG, PXSC
Monday, Dec 92013, 12:00 PM| Comment! -
Saturday, Nov 232013, 2:53 PM
- As the taper approaches, it may be time to ring the register and book some gains, Barron's thinks. Add in the fact that the S&P's 26% YTD gain has "likely [left] many investors with a higher mix of stocks than they would prefer," and the issues isn't whether or not to sell, but rather "what to sell and where to put the cash."
- Food for thought from Jack Hough: "The S&P 500 trades above 17 times trailing earnings, versus a historical average of about 15 [and] U.S. shares are 57% more expensive than emerging markets and 67% more expensive than Europe" based on "a long-term average of earnings to adjust for cyclicality."
- Investors might want to consider putting small companies on the chopping block first, as they have outperformed their larger cap counterparts this year and their P/E premium to large caps has stretched well beyond its historical average.
- Small/Micro Cap ETFs: IWM, TZA, TNA, IWC, UWM, VB, IJR, SLY, RWJ, URTY, TWM, SCHA, RWM, SRTY, SAA, DWAS, VTWO, SBB, SDD, RSCO, JKJ, FDM, PZI, XSLV, WMCR, FYX, VIOO, EWRS, TWOK, SMLV, PXSC
- Large Cap U.S. ETFs: SPY, QQQ, SH, DIA, SSO, SDS, PSQ, IVV, SPXU, UPRO, SPLV, VOO, QID, PRF, SPXS, SPXL, TQQQ, DOG, RSP, SQQQ, DXD, QLD, RWL, EPS, UDOW, SDOW, DDM, VV, SCHX, IWB, SPHB, NY, BXUB, QQEW, QQQE, JKD, VONE, EQL, TRND, ROLA, SFLA, BXUC, QQXT, EEH, ONEK, SPXH, TRSK, BXDB, PXLC, FSU, FSE, EWRI, FWDD, TNDQ, LGLV, ALTL
Saturday, Nov 232013, 2:53 PM| 12 Comments -
Friday, Nov 152013, 12:05 PM
- How big of a lead have small caps gained over bigger stocks? The Russell 2000 (IWM) is ahead 27.3% vs. the S&P 500's 22.1% advance YTD. Over the last 5 years, the annualized advantage is 17% to 15.1%, and in the 14 years since about the time the tech bubble burst, the Russell has gained 8.4% annualized vs. the S&P's 3.8%.
- Future performance might be another story, according to The Leuthold Group which suggests we'e witnessing "a final gasp in small-cap leadership." Based on a number of metrics, the team estimates small stocks are trading at about a 40% premium to the S&P 500, as pricey as they've been in the "modern" era.
- Morgan Stanley's Adam Parker, however, notes mega-cap stocks have already achieved record-high profit margins while smaller company margins are closer to their long-term average and have room to move higher. Also of note is unusually slow M&A activity - this could pick up and allow buyout premiums on the easily-digestible smaller companies.
- Small cap ETFs: IWM, TZA, TNA, UWM, VB, IJR, SLY, RWJ, TWM, URTY, SCHA, RWM, SRTY, SAA, DWAS, VTWO, SBB, RSCO, JKJ, SDD, XSLV, FYX, VIOO, EWRS, TWOK, SMLV, PXSC
Friday, Nov 152013, 12:05 PM| 1 Comment -
Monday, Nov 112013, 12:11 PM
- Valuations are high, says David Kostin and team - the Russell 2000's (IWM) P/E ratio is up 25% this year and stands above the 10-year average both in absolute terms and relative to the S&P 500. At the same time, EPS growth is set to slow from 11% this year to 8% in 2014.
- The Russell 2000 has outperformed the S&P 500 by nearly 1000 basis points over the last year.
- Has the catch-up already begun - small caps have lagged the broader market by 250 basis points over the past month.
- Small cap ETFs: IWM, TZA, TNA, UWM, VB, IJR, SLY, RWJ, TWM, URTY, SCHA, RWM, SRTY, SAA, DWAS, VTWO, SBB, RSCO, JKJ, SDD, XSLV, FYX, VIOO, EWRS, TWOK, SMLV, PXSC
Monday, Nov 112013, 12:11 PM| 1 Comment -
Friday, Feb 152013, 3:41 AMPowerShares expands its Low Volatility ETF suite with 2 new ETFs: S&P MidCap Low Volatility (XMLV) and S&P SmallCap Low Volatility (XSLV). The ETFs come with a 0.25% expense ratios, in line with counterpart IDLV (0.25%) and SPLV (0.25%), and slightly less than EELV (0.29%). Over the recent 1-year period, SPLV returned 16.36%, 68 basis points better than SPY, with an SD of just 8.6% vs. 12.8% for SPY. (pdf) |Friday, Feb 152013, 3:41 AM| 1 Comment

subset: commoncrawl


text:
Back to Menu
Franklin's newest motel/hotel. Amenities include a free hot breakfast, business center, DSL & Wireless Internet, Indoor pool is heated, hot tub, some rooms have whirlpool bathtubs, guest laundry, valet cleaning service. Free weekday newspaper, free local calls, pet-friendly: fees apply, public computer with internet access, copy and fax service, meeting room, exercise room, All guest rooms are furnished with flat-screen televisions, microwaves, refrigerators, coffee makers, desks, curved shower rods, hair dryers, irons/board, cable television. Wendy's and Subway are nearby. McDonald's, Cracker Barrel, Oasis Southwest Grill, Franklin Steakhouse, Sol-Azteca Mexican, Waffle House, Burger King, and Denny's are located at Exit 2.
105 Trotter Lane I-65 Exit 6- Franklin, KY 42135
Home / E-Newsletter / Site Map / Privacy Policy / Disclaimer / Accessibility
THE OFFICIAL SITE OF THE KENTUCKY DEPARTMENT OF TRAVEL Capital Plaza Tower 22nd Floor, 500 Mero Street, Frankfort, KY 40601 1-800-225-8747
© 2014, Kentucky Department of Travel. All rights reserved. Web Design & Search Engine Optimization by Aristotle ®
Kentucky State Parks


text:
SXSW '11: Kids Rally in New 'Attack the Block' Stills
We just scored a look at a trio of new stills from Joe Cornish's Attack the Block, his alien invasion horror flick which stars Jodie Whittaker, John Boyega, Alex Esmail, Franz Drameh, Leeon Jones, Simon Howard, Luke Treadaway, Jumayn Hunter, and Nick Frost in a film that follows a gang of South London teenagers defending their housing project home against an alien attack.
It will premiere at this month's SXSW Film Festival in Austin, Texas. Also dig on the official website and Facebook. Watch for a review in the coming weeks.
"Attack The Block is a fast, funny, frightening action adventure movie that pits a teen gang against an invasion of savage alien monsters. It turns a housing estate into a SCI-FI PLAYGROUND. A tower block into a fortress under siege. And weapon wielding teenage thugs into heroes. Think ASSAULT ON PRECINCT 13 only with monsters and a tower block. Or LA HAINE crossed with ALIENS. It's inner city versus outer space.
Trainee nurse Sam is walking home to her flat in a scary South London tower block when she's robbed by a gang of masked, hooded youths. She's saved when the gang are distracted by a bright meteorite, which falls from the sky and hits a nearby parked car. Sam flees, just before the gang are attacked by a small alien creature that leaps from the wreckage. The gang chase the creature and kill it, dragging its ghoulish carcass to the top of the block, with they treat as their territory.
While Sam and the police hunt for the gang, a second wave of meteors fall. Confident of victory against such feeble invaders, the gang grab weapons, mount bikes and mopeds, and set out to defend their turf. But this time the creatures are bigger. Much bigger. Savage, shadowy and bestial, they are hunting their fallen comrade and nothing will stand in their way. THE ESTATE IS ABOUT TO BECOME A BATTLEGROUND. And the bunch of no-hope kids who just attacked Sam are about to become her, and the block's, only hope."


text: Author GuidelinesTrends in Cognitive Sciences publishes authoritative, concise reviews and opinions, as well as research highlights and discussions of the most exciting current research in all aspects of cognition, the mind, and the brain. Articles for Trends in Cognitive Sciences are generally commissioned by the Editor, but proposals for articles are welcome. Please read carefully our guidelines for presubmission enquiries below, as they vary significantly for different article formats. Unless otherwise specified, guidelines for the preparation of articles are provided for your information only and full-length manuscripts should not be submitted as part of the presubmission enquiry. All presubmission enquiries must be submitted via our online submission system (http://ees.elsevier.com/tics/). Reviews (/Feature Reviews) and OpinionsPlease prepare a cover letter (up to 600 words) summarizing the topic, aims, and key message of the proposed article, its timeliness and novelty, as well as your own contribution to the specific field. Please also apppend a list of 20 recent primary research articles (i.e., published within the past 2-4 years) that illustrate the breadth of core empirical evidence that will be discussed in the article. LettersLetters comment on a recently published (i.e., within the past 6 months) TiCS article. The authors of the target article are invited to respond, hence providing a forum for discussion and debate in the journal. For letters, we request that the full letter, prepared according to the guidelines included below, be submitted at the enquiry stage (along with a cover letter). Due to the significant volume of presubmission enquiries for letters we receive, priority for consideration of publication in the print issue is given to letters that comment on full-length articles (Reviews, Feature Reviews, and Opinions) published within the past 6 months. However, we also welcome commentary on any published TiCS article via the online 'Comment' function that accompanies each article. Newly submitted online comments will be featured on the journal's homepage for a month and, as with print correspondence, the authors of the target article will be invited to respond. SpotlightsSpotlight articles discuss a recently published (i.e., within the past 60 days) primary research article, highlighting its significance and implications for the field. If you are interested in writing a Spotlight piece on a recently published article, please submit a cover letter (up to 300 words), explaining why the target article represents a significant advance or is likely to be controversial, as well as why the topic of the target article is of relevance to a broad audience of cognitive scientists. Any potential conflicts of interest must be disclosed in the cover letter. Forum and Forum: Science & SocietyForum articles are short pieces that aim to highlight for a very broad audience a significant recent development in the field or raise awareness about a topic of general interest. Forum: Science & Society aim to discuss important issues at the interface of scientific research and society, such as those relating to policy, health, ethics, the communication of science, art, etc. Please submit a cover letter (up to 300 words) summarizing the aims and scope of your proposed article, explaining why the topic is of broad interest, and providing information on your own expertise in the specific field. Book ReviewsBook Reviews are short (1,000-word) articles that discuss a recent book (i.e., published within the past 6 months) and highlight its significance for the field. TiCS Book Reviews use the book as a starting point for scientific discussion, providing a 'mini-review' of the topic rather than simply elaborating on the book's contents chapter by chapter. Please submit a cover letter (up to 300 words) indicating the book you would like to review and explaining why the book would be of interest to the broad audience of the journal. Any potential conflicts of interest must be disclosed in the cover letter. Scientific Life: TrendsTalk and Scientific Life: My WordIf you would like to suggest authors whose scientific careers or views would be a source of inspiration for others in the field, please send us (email@example.com) a brief note explaining the rationale for the suggestion. (Please note that we cannot accept self-nominations.) Scientific Life: My Word Author Guidelines Other guidelines |


text:
Reading Questions for
The Wave
Oprah.com | From the September 2010 issue of
O, The Oprah Magazine
Warning: May contain spoilers
1. Why do you think there isn't more news coverage on sunken freighters, tankers and bulk carriers? Do tragedies at sea strike a different chord in the popular imagination than say, a plane crash?
2. What's the difference between surfing a wave and surviving it? What drives people to extreme situations, and how does one draw the line between determination and courting disaster?
3. Many big-wave surfers, like Laird Hamilton, are married with children. How do you think they rationalize putting their lives on the line for what many would consider sport?
4. Why do you think the psychological beating is often worse than the physical for surfers? Do you think Brett Lickle's mishap towards the end of the book helped him see what was really important in life, or did it psychologically cripple him?
5. Surfers and scientists have different methods of judging a wave's intensity. Is one rubric more accurate than the other?
6. Susan Casey detected a strong female presence in the scientific community that seems to be lacking in the surfing world. Why do you think surfing—and tow surfing in particular—seems to be so male-dominated? How much of it is physical and how much is psychological?
7. Why is respect for the waves so important? What happens if you lose this respect?
8. Many surfers in the book refer to themselves as "watermen." They're not simply athletes, or thrill seekers—they almost have a sixth sense when it comes to the water. What can we learn from these watermen in regards to how they regard and harmonize with the ocean? What responsibility, if any, do you think these adventurers have to the ocean and to each other?
9. Geological history has a long memory, but humans have largely forgotten devastating natural disasters of the past couple hundred years, like the Lisbon tsunami of 1755. Do you think this ability to forget and move on is part of what makes our species so resilient? Or do these sorts of memory lapses leave us ill-prepared to deal with future disasters?
10. After Susan Casey witnesses a sixty-eight foot wave at Killers, she remembers Laird Hamilton's assertion: "If you can look at one of these waves and you don't believe that there's something greater than we are, then you've got some serious analyzing to do..." How has your perception of the ocean—and those who study it and ride its waves—changed after reading
The Wave
Read an interview with Susan Casey
Get more reading guides
Printed from Oprah.com on Monday, March 10, 2014
© 2014 Harpo Productions, Inc. All Rights Reserved.


text: The president's health care law is bad policy both for our economy as well as our health care system. As a result, House Republicans will once again vote to repeal the law, stop the federal takeover of our nation's health care system, and instead focus on patient-centered reforms. We are also committed to stopping a tax hike for all Americans, including small business owners who create jobs and drive our economy.


text:
Added to Bag!
We'll let you know if it's back in stock!
Added to Wishlist!
Cambridge Satchel Upwardly Mobile Satchel in Oxblood - 15in
By The Cambridge Satchel Company
- Leather.
- Bag measures approximately 10 x 15 x 4.5 inches. Handle measures approximately 7 inches in length. Shoulder strap is adjustable and measures approximately 57 inches in length when fully extended.
- Buckle closure. One open exterior pocket. Front identification pocket.
- Imported
$174.99 Out of Stock
It's out of stock, but you aren't out of luck!
Let us know if you need it! We reorder based on community feedback and demand, so your voice is very important. We'll email you if we can bring it back.
Customer Reviews
Overall Rating
Based on 26 Reviews


text:
- $4.99 3-Day Shipping. Any Size Order! -
- A Portion of Proceeds Benefit Auburn Athletics -
Product ID: 1337073
Main Content
The Auburn Tigers are your favorite team and you like to show if off. Let your Auburn love show through with this key necklace. It boasts a school wordmark surrounded by a circle of rhinestones on a key shaped pendant. Every time you wear this adorable sparkly necklace, you'll be giving the Tigers the key to your heart!
- Made of stainless steel
- Chain is approximately 20" long
- Charm measures approximately 2.75"
- Lobster claw closure
- Rhinestone accents
- Imported
- Officially licensed collegiate product
Special event items are produced by manufacturers only after the outcome of a game
or event. These are advanced sale items and will ship immediately after they are
received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items
are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite
number, and/or designs. Some options may be limited by league rules.


text:
A free world-class appliance repair website for everyone.Connect with appliance repair technicians from the U.S. and Canada.Download free service manuals, wiring diagrams, tech sheets and more.
With the timer set to spin and the motor running can you turn the transmission by hand?
How is the tension on the motor? When you push it towards the transmission it should move 1 1/2 inches then float right back.
With the front of the machine off,put timer in spin and turn on. CAREFULLY put foot (watch for moving tranny) behind the motor and pull it towards the front of the washer ( about 1-1/2 inches) if it spins the tension on the motor may be gummed up. Next would be the belts,are they reversed? ( if you removed them)
Started by evo100
Started by AJ
Started by madbchron
Started by lulubovary
Started by PB3
Started by TechnicianBrian


text:
Fish Supper @ The Chequers, Chipping Norton
TodayFish & Chips and a drink, every Monday at The Chequers in Chipping Norton for only £10.00!
Cheltenham Racecourse 2014 Dates
Today2013/14 season tickets on sale now Tickets for 16 spectacular days, amongst them the biggest event in the Jump Racing calendar, The Cheltenham Festival & the unmissable Cheltenham Gold Cup ...
Therapies Day
TodaySaturday 8th March, 10.30 - 4.30pm at Burmington House, Burmington. CV36 5AF. Experience a world of therapies...
The Farmers Bloodhounds are Meeting TODAY
09/03/2014Blood hounds hunt the "Clean boot" – the scent of a quarry following a predetermined line.
ALARMS AND EXCURSIONS at The Theatre Chipping Norton
12/03/2014ALARMS AND EXCURSIONS at The Theatre Chipping Norton
Stow on the Wold Farmers Market
13/03/2014Stow on the Wold Farmers Market held on the 2nd Thursday of each month from 9am until 1pm.
Chipping Norton Astronomy Group
17/03/2014Founded in 2005 as an informal focus group for anyone interested in the stars and space.
20/03/2014A film club for parents and carers with babies, aged up to and including 18 months.
21/03/2014For many years Ruby Turner has been regarded as having one of the greatest voices the UK has ever produced.


text:
About DanielHimself
Everyone, I'm elated to tell you that Tumblr will be joining Yahoo.
Before touching on how awesome this is, let me try to allay any concerns:...
Drawing a murder = not a murder.
Drawing a theft = not a theft.
Drawing a rape = not a rape.
Drawing a genocide = not a genocide.
AVX by Bobby Rubio


text:
Hobbler Half Marathon
- Race type
- Half Marathon
- Tags
- Charity Relay
This mostly downhill half marathon course is perfect for the rookie half marathoner and a great way for the experienced runner to achieve a new PR.
Official website
No news for the moment.
The information about this race is based on information provided by the organizers or found on the official website. ahotu Marathons is not associated with this race. Always check with the official website for up-to-date information. If you have noticed any mistake, let us know at email@example.com.


text:
Google Single Sign-On
Google has made it incredibly simple to run your business in the cloud – whether you're checking emails, sharing documents or creating your next presentation. At Xero we share this passion to be able to do business wherever you are.
We already support a number of Google friendly features. All Xero reports can be exported to Google Docs, and Contacts can be displayed in Google Maps.
To streamline your online experience even more, we've taken it to the next stage.
If you have a Google Apps login, all you need to do is add Xero from the Google Marketplace. Now instead of having to login to Google and Xero separately, you can navigate seamlessly between the two without having to log in twice (single sign-on or SSO in techie speak) – how convenient and simple is that?
Watch the video to see how this works or see Help for more detail.
Read more about Business
21 comments
just tried it out and got this
We're sorry, a problem has occurred Please try again
It's possible the problem you have encountered is temporary. Please either click the back button or click this link to return to the previous screen and try again.
My Google Apps login already takes me into Capsule CRM which is integrated with Xero so this is a welcome addition
WOW. With the modern practice aligning with Microsoft 365 I thought us goggle users were going by the way side. This has just brightened my day, thank you.
[...] forward to today when Xero announced on their blog that they are rolling out single sign on with the Google Apps Marketplace. I [...]
Excellent – that works well thanks. If you're looking for something to do now how about mail integration so we can see a mini statement when we get an email from a customer or supplier?
@Shawn, we believe people will use both Google Docs and Office 365. Most accountants will need the rich document management features of Office 365 but that does not rule out using Google Docs for collaboration. So we'll continue to work with both Google and Microsoft.
We also use Capsule CRM, Xero and Google docs – nice integration, Thanks.
This is FANTASTIC!!!! Thanks guys….. *sigh*feeling*the*xero*love
@Rod, as an accountant I agree The Office 365 doc management features are nice. However, Google has a slew of free and lower cost addon's. for example, we are currently testing insightly.
Hi Shawn.Yes. We agree. We'll give you both options.
Very cool you're into this.
I can run the Xero demo after accessing through google apps but this error message comes each time I try to setup my own company. ( both with setup company and via my Xero)
Unable to setup own company after logging in through google app in trial
Error message
Will you be looking at using your current google apps integration to sync contacts? So that any contacts created in Google contacts sync to Xero and vice versa? Once the sync is in place, the service could be used to push contact data to other devices such as an iPhone. Allowing the phone to auto detect incoming calls against stored contacts.
Would also allow google apps to act as a central sync point for contacts and subsequent additions of services such as mail chimp.
It would be great to see support for OpenID in addition to Google. Some OpenID providers, like Verisign PIP, offer two-factor authentication.
Such an old feature but for users that utilise Google Apps this is awesome.
I love that I can sign in with google apps. Thank you for this feature.
I would also like to know if you plan to add support for contact syncing with google contacts? This would be incredibly useful for me.
How far away is the seamless integration of Google contacts with Xero contacts?


text:
Sophi Table Lamp -Overstock SpecialThis product is no longer available.100% Price MatchHouzz |
. |
Related Info Tools |
Notes: These are manufacturer's overstock items. Offer limited to quantities in stock. Please call our Sales Department to check availability (866) 428-9289. Returns and cancellations will not be accepted.
Material(s): Glass, Steel
Dimensions: 12"W X 17"H
Lamp Type: INCANDESCENT
Bulbs: 1 X 60W 120V E12 (candelabra base) incandescent lamp (not included)
Arturo Alvarez' pendants, table lamps and wall lights are entirely handmade in Spain. They are held to strict quality controls and are made with the best raw materials.
Guarantee of Authenticity:
- All collections are limited series.
- Every shade is engraved with both Arturo Alvarez' signature and serial number.
- The brand is on all the metal frames thanks to an electrochemical process that cannot be erased.
- Each item has an original and exclusive label.
Arturo Alvarez
The designer Arturo Alvarez co-founded the company, of the same name, in 1994 and is dedicated to the design and production of decorative lamps with their own personality. All production is entirely hand-made in Spain which results in the creation of exclusive designs with lots of possibilities in terms of materials and compositions. Each product includes labels and are engraved with the brand name in the metal bases to ensure authenticity. The company's mission: "We put all our hopes and resources to provide with hand-made designs, meticulous in every detail and able to fulfill all the lighting and emotional need of any human being".
Miss K Table Lamp - Closeout Special
Note: This product is no longer available.
Free shipping
on most orders
Expert advice
+ service
Best collection
of modern designs
Price guarantee
100% price match


text:
Definition of red pine in English:
red pine
Syllabification: red pinenoun
- Any of a number of coniferous trees that yield reddish timber, in particular.
- ● a North American pine (Pinus resinosa, family Pinaceae).
More example sentences- The forests include such conifers as red spruce, black spruce, white spruce, balsam fir, red pine, jack pine, eastern white pine, tamarack, eastern white cedar, and eastern hemlock.
- Common upland tree species were white pine, red pine, hemlock, sugar maple, and yellow birch.
- The nursery grows mainly white spruce, black spruce, Norway spruce, jack pine, red pine, eastern white pine, Scots pine and smaller amounts of various other species.


text:
26564 : Tamber Forum show_forum.asp frm_id Parameter SQL Injection Printer | http://osvdb.org/26564 | Email This | Edit Vulnerability
Tamber Forum contains a flaw that may allow an attacker to carry out an SQL injection attack. The issue is due to the 'show_forum.asp' script not properly sanitizing user-supplied input to the 'frm_id' variable. This may allow an attacker to inject or manipulate SQL queries in the back-end database.
Currently, there are no known upgrades, patches, or workarounds available to correct this issue.
CVSSv2 Base Score = 7.5 Source: nvd.nist.gov | Generated: 2006-05-30 | Disagree?
Add Comment Hide Add Comment


text:
Browse our mobile site for the best experience on your device.
Lexington's Hit Music Station
Listen to 104.5 The Cat
Follow @1045thecat
Dave & Jimmy
Ryan Seacrest
Billy The Kidd
Boy Toy Jesse
Saturday Night Online
Club Kane
Local Concerts
Most Played This Week
Make A Request
Contest Page
Concert Tickets
104.5 The Cat VIP
Update Your Profile
Celeb Central
Celeb Central Page
Contact Us/Prize Pick Up
Listen on iHeartRadio
Local Events
Community Involvement
Submit an Event
Work With Us
More Radio
Discount Deals
DJ Khaled
DJ Khaled
Suffering from Success [Deluxe Edition] [Clean]
Original Release Date: October 22, 2013
Track Listing
1. Obama (Winning More Interlude)
2. Suffering from Success
3. I Feel Like Pac/I Feel Like Biggie
4. You Don't Want These Problems
5. Blackball
6. No Motive
7. I'm Still
8. I Wanna Be with You
9. No New Friends
10. Give It All to Me
11. Hells Kitchen
12. Never Surrender
13. Murcielago (Doors Go Up)
14. Black Ghost
15. Take That Off
16. Weed & Hennessy
Dr. Dre: Producer
Manny Marroquin: Mixing
Timbaland: Producer
Chris Athens: Mastering
Jim Caruana: Engineer
Sandy Brummels: Creative Director
James Yost: Assistant Engineer
Antonio Jimenez: Engineer
LVM: Producer, Additional Production
DJ Nasty: Producer, Additional Production
DJ Khaled: Producer
Ariel Chobaz: Engineer
Eldwardo "Eddie Mix" Hernandez: Engineer
Chris Brown: Composer
Rob Kinelski: Engineer
J.U.S.T.I.C.E. League: Producer
Ben Diehl: Engineer, Music Supervisor
Dan Tobiason: Assistant Engineer
Cool: Producer
Fareed Salamah: Engineer
Noel "Gadget" Campbell: Mixing
Anthony Cruz: Engineer
Clay Patrick McBride: Photography
Khaled Khaled: Composer, Executive Producer, A&R
Joshua Berkman: A&R
Dwayne "Tha President" Carter: Executive Producer
Chris Galland: Assistant Engineer, Mixing Assistant
Patty Jaime: Project Coordinator
Noah Shebib: Composer, Producer, Engineer, Mixing Assistant
Canei Finch: Mixing, Additional Music
Streetrunner: Producer
Dwayne Carter: Composer
Clifford Harris: Composer
Boi-1da: Producer
Ronald "Slim Tha Don" Williams: Executive Producer
Fabian Marascuillo: Mixing
William Roberts: Composer
Bryan "Baby Birdman" Williams: Executive Producer
Inderan K. Bailey: Engineer
Onika Maraj: Composer
Noel Cadastre: Assistant Engineer, Mixing Assistant
Matthew Samuels: Composer
Elliot Carter: Engineer
Rico Beats: Producer
David Brooks: Composer
Colin Rivers: Assistant Engineer
Justus Arison: Engineer
Brendan Morawski: Assistant Engineer
The Beat Bully: Producer
Delbert Bowers: Assistant Engineer, Mixing Assistant
Young Chop: Producer
Joe Zarrillo: Assistant Engineer, Assistant
Aubrey Graham: Composer
Luke Leveille: Assistant Engineer
DJ Frass: Producer
Colin Fichman: Engineer
Anderson Hernandez: Composer
Allen Ritter: Composer, Additional Production
Vinylz: Additional Production
Lee On the Beats: Producer
Zeke Mishanec: Assistant Engineer
Bobby Yewah: Producer
Stephan Townsend: Engineer
Justin Rodrigues: Assistant Engineer
Jonathan Lee: Assistant Engineer
Boss the Bulldog: Mixing Assistant, Assistant
Rugah Rahj: Producer
Nas the Pitbull: Mixing Assistant, Assistant
Michael "Banger" Canadia: Engineer
Feddaweight: Engineer


text:
Seldom do I ever write a column to a specific age group, nor do I try to dispense advice to folks when I am not qualified or trained to do so. I do have opinions, as does any decent wordsmith, and I do share them in various ways with those who choose to give me the time of day in reading my work.
Contending for years that the most difficult task any individual has to do in life is to maintain balance between their educational, professional, charitable and family time, I've personally never seen this effort so daunting. Just think of your own holiday calendar from Thanksgiving through the New Year. We all love our friends and family, our coworkers (mostly), our neighbors, and those we come into contact with all year long, but when the holiday parties take up every night of the week, where is the time to dedicate to family?
The last month of 2012 came as a big surprise to me. Now, I don't mean that December rolled around — it always does. But this December did not follow any plan I had made, and I am a planner and somewhat of an organizer. I know what I intend to do and usually have a plan to get it done in a timely manner.
Beaumont/Port Arthur
While we harbor no disrespect for the Wall Street Journal who called us "that scrappy little paper from Southeast Texas," we prefer to think of ourselves as simple seekers of the truth. We're of the opinion that headlines and sound bites never tell the whole story. Our readers demand all the facts, facets and flavors of every story or event. And, they expect to be informed, educated and stirred to action.
For this week's New York Times crossword puzzle, pick up a copy of this week's The Examiner on newsstands now.


text:
Vol. IV
No. 1/2013
The truth that wants to validate itself by force instantly ceases to be the truth, no matter what sort of truth this might be. What was to be the dictatorship of truth, inescapably turns into a petrified dogma whose proper responsibility is not the defense of truth but the defense of dictatorship.
Leszek Kolakowski
Power, Pedagogy, and Self-Organizing Systems
Martha C. Beck | Contemporary Systems Sciences, Implications for the Nature and Value of Religion, the Five Principles of Pancasila, and the Five Pillars of Islam, pp. 1-41 | (PDF) |
Werner Krieglstein | Cooperation, Synchronization, and Collective Orchestration: The Evolutionary Significance of Superorganisms, 42-54 | (PDF) |
Christopher Vasillopulos | Human Nature and the Power State [Keynote Address to the ISUD IX World Congress], pp. 70-77 | (PDF) |


text:
Honoring Extraordinary Contributions
The Center for Excellence in Teaching and Service to Students encourages, supports and recognizes superior teaching and service to students at Quinnipiac. The center serves as an important vehicle in helping the University to achieve its educational mission, consistent with its three core values: high quality academic programs, a student-oriented environment and a sense of community.
The center sponsors a variety of professional development programs and activities using its own role models and expertise within the faculty and staff, as well as external consultants and experts. The center sponsors workshops and seminars throughout the year, conducts student, faculty and staff surveys, and hosts special recognition events.
The work of the center is intended to supplement, not supplant or duplicate, the many excellent professional development initiatives and programs that are sponsored and supported each year in all areas of the University. The center gives institution-wide recognition and validation to these activities and the offices that sponsor them. The center is supported through the President's Office and is guided by a rotating Board of Directors consisting of representatives from the faculty, staff and students.
Each year, the Center for Excellence in Teaching and Service to Students recognized members of the Quinnipiac community for their extraordinary contributions to our students. At the annual recognition dinner held on Oct. 24, three Excellence in Service to Students Awards were presented to Camille Bracale, Heidi Erickson, and Marion Sparago and three Excellence in Teaching Awards were presented to Leonard Engel, Angela Mattie, and Andri Smith. Read more about this year's recipients.
Nominate a staff or faculty member for the 2014 awards
View the CFE Board of Directors
View profiles of past recipients:
2012 honorees | 2011 honorees | 2010 honorees | 2009 honorees | 2008 honorees |
2007 honorees | 2006 honorees | 2005 honorees | 2004 honorees | 2003 honorees |


text:
RIT Resources for New Faculty
INFORMATION AND TECHNOLOGY SERVICES(Computer Network, Telecommunications and Information Technology Support)
Information & Technology Services (ITS) provides central support for academic, administrative, business information services, client support and core technology infrastructure. Detailed information about computer and telecommunications services as well as network capabilities managed by ITS can be obtained from the ITS Service Desk or on the ITS web site at http://www.rit.edu/its.
Computer Accounts
Access to RIT computing and network resources is through an RIT computer account. Often departments and colleges request accounts for new faculty and staff, providing appropriate account number and usage information. If this has not been done prior to a faculty member's arrival, it can be done by the individual using a request form for
faculty and staff accounts available at: http://www.rit.edu/its/help/forms.
Computer Labs
ITS manages numerous computer labs within the colleges. These labs contain both Macintosh and Windows computer systems. Most of the lab facilities are open to students for general computing use and to faculty for reserved class work. Lab assistants provide first level support to use the hardware and software available in the labs. More information about the labs and reserving facilities can be found on the ITS web pages at
Customer Support
ITS provides general information and support to users of servers, desktop systems and applications. Several ITS staff are based within colleges providing direct customer support. For network, desktop or telecommunications troubleshooting, contact the ITS Service Desk as the first point of coverage. The Service Desk can be reached via phone, TTY, walk-in visits or online.
ITS Service Desk (Contacting ITS)
Telephone: | (585) 475-HELP (4357) voice; (585) 475-2810 |
Location: | Gannett Hall (7B) Room 1113Campus Map |
Email: | email@example.com |
Website: | http://www.rit.edu/its |
Hours: | |
Monday to Thursday | 7:30 am – 9:00 pm |
Friday | 7:30 am – 5:00 pm |
Saturday & Sunday | Noon – 5:00 pm |
Hours for Summer Quarter, Holidays and Breaks: | |
Monday to Friday | 7:30 am – 5:00 pm |
Weekends | Closed |
Wireless Computing at RIT
RIT's wireless implementation includes more than 3400 wireless access points in all academic and residential buildings. The network supports wireless protocols up to and including 802.11N. For more information, please check the ITS website at http://www.rit.edu/go/wireless.
The RIT Code of Conduct for Computer and Network Use guides the use of RIT computing and networking resources. The computing, network and information resources available to all students, faculty and staff support the mission of teaching, scholarly activity and service for the Institute's students, faculty and staff. The full document can be found at: http://www.rit.edu/computerconduct/.


text:
Definition of fluorescein in English:
Syllabification: fluo·res·ce·inPronunciation: /flo͝o(ə)ˈresēən, flôrˈesēən
Chemistry- An orange dye with a yellowish-green fluorescence, used as an indicator and tracer.
- A derivative of resorcinol and phthalic anhydride; chemical formula: C20H12O5
More example sentences- To this purpose we have considered four dyes, namely: indo - 1, rhodamine 6G, fluorescein, and pyrene.
- Quinine bisulfate was used as the standard for the bisbenzimide dyes, for PIH and ethidium bromide the standard used was rhodamine 101 and fluorescein was used for the cyanine dyes.
- Anole splenocytes were phagocytically active and produced copious amounts of nitric oxide following exposure to fluorescein labeled E. coli bioparticles.
late 19th century: from fluorescence + -in1.


text:
Nathan Phillips Square Revitalization
Nathan Phillips Square is where Torontonians gather, share memories and welcome the world. It is a place where people come together in the spirit of openness, community and democracy.
The City of Toronto is proud to reinvigorate its greatest public space, Nathan Phillips Square, and reintroduce it as a more functional and environmentally sustainable meeting place for future generations.
In 2014, the people of Toronto will reopen a revitalized Nathan Phillips Square. Toronto's centre for local government and celebration will once again ignite applause, and inspire as it did, over 45 years ago when it was first opened.
What's Happening
From 2010 to 2014, the City of Toronto will reinvigorate Nathan Phillips Square to restore its beauty and dignity, preserve and enhance its unique heritage qualities and reintroduce it as a more functional and environmentally sustainable public meeting place.
About Nathan Phillips Square
A Place for People
Nathan Phillips Square is a vibrant, active space in the heart of the city. Every year, over 1.5 million visitors attend a variety of community and special events hosted on the Square.
Background information on Nathan Phillips Square, when it opened, why some of its key features need special attention and why it needs upgrades.
A list of awards won by various components of the Nathan Phillips Square Revitalization project.
News HighlightsSubscribe to RSS feed
Construction Schedule and Phasing
Phase 3 construction on the Queen Street Forecourt officially began in October with the relocation of the Sir Winston Churchill statue. Read about the rest of the work that will be done during this phase of the revitalization.
Green Square
Going Green: From concrete roof to public garden
The City Hall podium roof, where visiting dignitaries were once welcomed to this great city, was revived and re-introduced as the new Podium Green Roof - Toronto's largest publicly accessible green roof.
Modernizing Nathan Phillips Square
Modernizing the Square will reflect Toronto's commitment to excellent design and liveability by respecting and restoring the beauty of Viljo Revell's original, award-winning vision.
Revitalizing Nathan Phillips Square
Revitalizing Nathan Phillips Square is a priority for the City in its efforts to beautify and restore its public spaces and make Toronto a cleaner, greener, and more beautiful city.
Urban Forest and Sustainable Square
Soon Torontonians will be able to celebrate, gather, be heard, and live green in the heart of a city that strives to be one of the greenest on the planet. The revitalized Square will featured an increase in the number of trees on the Square to create an urban forest in the middle of downtown Toronto.
What's There at Nathan Phillips Square
Check out all the things to do at Nathan Phillips Square.


text:
Coloured Mini Fluffy Chicks
Cheerful mini fluffy chicks now available in six assorted bright colours. Pack of 12
Close Recently added item(s)
You have no items in your shopping basket.
Cheerful mini fluffy chicks now available in six assorted bright colours. Pack of 12
Personalise this Mother's Day decoration using your own hand outline! Pack of 4
Grab a brilliant bargain in our Mother's Day Sale — selected products only
Fabulous foam stickers in 25 assorted designs
see Top Easter'Blooming' marvellous and a great gift idea!
see Top Mother's DayClean, soft and very lightweight
see Top Arts & CraftsDesign your own miniature treasure chests!
see Top Themed CraftsSuper bouncy jet balls, each with a cute chick design
see Top ToysBright and cheerful daffodil wreaths to make and display!
see Top NewThis game will be loved by the little ones
see Top FundraisingLarge reservoir gives hours of colouring
see Top EducationalCreate beautiful bracelets and more
see Super Value PacksCreate beautiful windmills to give to someone special
see Top SaleHighly versatile water-based acrylic paint for use on card, canvas, wood and more! Pack of 6
Easter sequin craft! Easy to make sequin eggs for an Easter egg with a difference. Pack of 3.
These cards have 'bags' of style! Handbag shaped cards to decorate for Mother's Day. Pack of 6.
Our website has been optimised for the latest version of Internet Explorer. You're currently using an older version. To place an order on our website you will need to update your browser, which you can do by clicking here.
Alternatively, call 0844 576 8933 or email firstname.lastname@example.com
All products come with a money back guarantee.
CLICK for info


text:
Read more : http://blogs.wvgazette.com/coaltattoo
CHARLESTON, W.Va. -- U.S. Rep. George Miller continued this week to press Alpha Natural Resources for answers about what steps Alpha is taking to reform safety practices at the mining operations it acquired when it purchased Massey Energy last month.
The California Democrat, ranking minority member of the House Committee on Education and the Workforce, wrote to Alpha CEO Kevin Crutchfield to seek more details on Alpha's "Running Right" program and Alpha's review of prior Massey practices.
In the Wednesday letter, Miller outlined the findings to date of federal investigators looking into the Upper Big Branch Mine Disaster regarding ignoring safety hazards and intimidation of miners who have safety concerns.
"This indicates a deeply rooted 'normalization of deviance,' and it is imperative to find out whether this pattern and practice infected other Massey mines that Alpha acquired," said the letter, also signed by Rep. Lynn Woolsey, D-Calif.
The letter posed a number of questions to Crutchfield, including:
* Has Alpha investigated whether any former Massey managers who discouraged mine examiners from recording safety hazards in the mine examination books at UBB are presently on Alpha's payroll? How many of those individuals, if any, are on your payroll, and what steps has Alpha taken, if any, to ensure these individuals no longer continue this practice of discouraging proper recording of hazards?
* Has Alpha identified whether any other Massey mines had a practice of providing advance notice of MSHA or state inspections? If so, please provide a list of such mines where this practice was carried out.


text:
shop by categories | ||||
Logitech MK560 Wireless Wave Combo Plus Logitech K350 Wireless Keyboard and Logitech M705 Marathon Mouse more | compare prices |
Razer DeathStalker Gaming Keyboard - RZ03-00800100-R3U1 Compatible with PC - USB connectivity - 114 total keys - multimedia keys - programmable slim-chiclet keys - 10-key rollover in gaming mode - Razer Synapse 2.0-enabled - fixed wrist rest more | compare prices |
Razer Blackwidow Ultimate Elite Mechanical Gaming Keyboard RZ03-00381900-R3U1 Razer Blackwidow Ultimate Elite Mechanical Gaming Keyboard Blackwidow Ultimate Elite Mechanical Gaming Keyboard, Full Mechanical Keys / 50g Actuation, 1000Hz Ultrapolling, Fully Programmable Keys, 10 Customizable Software Profiles, Individually Backlit more | compare prices |
Acer Bluetooth Keyboard (W3-810) - Wireless - Bluetooth - Silver - English - Tablet - QWERTY This Bluetooth Keyboard for the Iconia W3-810 Tablet uses (2) AAA batteries (included). more | compare prices |
LOG920002555 - MK550 Wireless Desktop Set, Keyboard/Mouse, USB, Black Wave-shaped Contour Of The Keys Promotes A More Ergonomically Correct Hand Position State-of-the-art Laser Mouse Delivers Exceptional Precision And Control Interface: Usb Easy One-touch Access To Key Windows Vista Features Programmable F-keys Can... more | compare prices |
Acer A500K01 Keyboard for Acer Iconia Tablet - Black Find computer docking stations at Target.com! Type comfortably on your acer iconia tablet with this keyboard. Featuring bluetooth wireless technology, it lets you type from your lap and from any angle. You can still enjoy plenty of desk space when... more | go to store |
Logitech LOG920002553 MK520 Wireless Desktop Set, Keyboard & Mouse, USB, Black A sleek keyboard-and-mouse combo that puts convenience and control comfortably at your fingertips. Reliable Wireless You can say goodbye to cords, delays, dropouts, and interference with Logitech Advanced 2.4 GHz connectivity. Power-packed The mouse... more | compare prices |
Logitech Wireless Touch Keyboard K400 with Built-In Multi-Touch Touchpad (920-003070) The Logitech Wireless Touch Keyboard K400 has a 10-meter (33 feet) wireless range and a large, built-in multi-touch touchpad for total control when connecting your laptop to your TV. more | compare prices |
Logitech K350 2.4Ghz Wireless Keyboard With its distinctive Wave design and Constant Curve layout, Logitech Wireless Keyboard K350 guides your hands into just the right position. Youll type with ease and confidence, but without having to re-learn typing on an unfamiliar layout. more | compare prices |
Logitech LOG920002836 MK320 Wireless Desktop Set, Keyboard & Mouse, USB, Black Keyboard/mouse combo with convenient, long-range wireless Comfortable keyboard and a carry-around mouse add productivity. The full-size keyboard features low-profile keys and integrated number pad. The sculpted wireless mouse is designed for both... more | compare prices |
Logitech K810 Illuminated Bluetooth Keyboard (920-004292) The Logitech Bluetooth Illuminated Keyboard K810 for Windows, Android and iOS is a stylish, backlit keyboard with one touch easy-switching between your PC, tablet, and smartphone. Keys are sharp, bright and always easy to read. more | compare prices |
Alienware TactX Gaming Keyboard - 0G837 PC compatible - USB connection - 6 programmable keys - game-mode switch - multimedia keys - WASD cluster - antighosting technology - dual-zone AlienFX customizable lighting - detachable palm rest more | compare prices |
The sleek, comfortable keyboard that delivers a brilliant typing experience-day or night. Lighting the way You can work or play anytime with laser-etched, backlit keys that are bright enough to let you type in the dark. Shines on your desk Your desk is... more | compare prices |
Logitech 920-002565 MK120 Keyboard and Mouse Combo - USB, Optical Mouse, 1000 DPI, Spill Resistant D Enjoy a comfortable and quiet typing experience with low-profile keys that barely make a sound and standard layout with full-size F-keys and number pad. Thin profile and spill-resistant design keeps your hands in a more neutral position. Durable keys... more | compare prices |
Logitech K360 Wireless Keyboard Compatible with PC - 2.4GHz wireless technology - USB connectivity - 107 keys - multimedia and Internet keys more | compare prices |
Dell KM632 Wireless Keyboard and Mouse (8VXG2) The Dell KM632 Wireless Keyboard and Mouse Combo is a sleek and stylish wireless keyboard and mouse bundle providing customers the freedom of wireless computing. more | compare prices |
Compatible with PC - 2 USB 2.0 ports - one-touch media controls - game/desktop mode button - 132 keys, including 12 programmable G-keys - multikey input - GamePanel LCD display - RGB backlighting - detachable palm rest more | compare prices |
Logitech 920-002530 G510 Gaming Keyboard Lcd Screen Custom Backlit Programmable The logitech gaming keyboard g510 gives you the tools and intel you need to win, putting you control of the game with a gamepanel lcd, custom backlighting*, and integrated usb audio. * requires software installation... more | compare prices |


text:
It has been suggested that this article be merged with Ljuskrona. (Discuss) Proposed since January 2014. |
A candelabrum (plural candelabrums, candelabra, candelabras),[1] sometimes called a candle tree, is a candlestick holder with multiple arms. The word comes from Latin.[2][3]
In modern usage the plural form "candelabra" is frequently used in the singular sense, with the true singular form "candelabrum" becoming rare. Likewise, "candelabra" and "candelabras" are preferred over "candelabrums" as the plural form.[1] Although the electrification of indoor lighting has relegated candleholders to the status of backup light sources in most homes and other buildings, interior designers continue to model light fixtures and lighting accessories after candelabra and candlesticks. Accordingly, the term "candelabra" has entered common use as a collective term for small-based incandescent light bulbs used in chandeliers and other lighting fixtures made for decoration as well as lighting.
The Jewish menorah is a special kind of candelabra.
Candelabra antennas[edit]
In the United States and Canada, the plural term candelabra is a nickname for radio masts and towers with multiple transmission antennas. Baltimore's TV stations, WMAR-TV, WBAL-TV, and WJZ-TV in 1959 built the world's first three-antenna candelabra tower, 730 feet tall. Other examples include the Mont Royal Candelabra in Montréal, Québec, the KXTV/KOVR/KCRA Tower, KSMO Candelabra Tower, KMBC/KCWE Candelabra Tower, and Sutro Tower in San Francisco.
See also[edit]
- Candlestick
- Chandelier
- Girandole
- Julleuchter
- Menorah
- Charlottenburg Candelabra a pair of ornamental colonnades in west Berlin with a passing resemblance to candelabra
- Radio masts and towers
- ^ a b Shorter Oxford English dictionary, 6th ed. United Kingdom: Oxford University Press. 2007. p. 3804. ISBN 0199206872.
- ^ http://www.merriam-webster.com/dictionary/candelabra Merriam Webster dictionary
- ^ [1]
External links[edit]
Wikimedia Commons has media related to Candelabras. |
- Chisholm, Hugh, ed. (1911). "Candelabrum". Encyclopædia Britannica (11th ed.). Cambridge University Press


text:
Love Overberg celebrates the most delicious aspects of the beautiful Overberg region. We'll suss out the finer details, from the best coffees, cheesecake and hearty lunches, through to our favourite wineries, boutiques and serene getaways. We'll show you the whales, the best beaches in South Africa, the best wine farms in the Cape and so much more.
Tuesday, January 31, 2012
easy. healthy. cheap
so i just spent so much money grocery shopping that i started to go red in the face as the amount kept rising. when you've been living in the country for a few months, your attitude towards spending money (and what you spend it on) changes drastically. there were many things i'd neglected to buy for the last few weeks and have been happily accepting my veggie box deliveries and creating dishes from the contents, but at some point you've just got to get olive oil, good mayonnaise, gnocci, couscous, oats, fruit, coffee, nuts and seeds etc. i'm determined to make it all last for 2 weeks without having to shop again (gulp - i have a growing human living here, and then there's also my son), so i'm going to post easy, healthy and cheap recipes here on me bloggy. please keep coming back and tell me if you're finding them useful. first up - zucchini toasts and beetroot salad. i can make these using almost 100% 'sourced out of people's gardens and from local markets' ingredients. i hope you can too :)
Monday, January 30, 2012
where the wild men are
it's a question my girlfriends and i have been asking ourselves for some time - where are the real men? the huntsmen, carpenters, the manly men? the beekeepers, the farmers, the lumberjack archetypes? i've realised why there are no real men anymore - they've missed out on that important chapter in their lives when they should have been building things, breaking things down, destroying things, creating them again, fixing things, using their hands, tending to repairs...i've heard murmurs of 'missing out on the army' for years, but this supposed explanation always failed to move me. now, i'm quite aware that i sound like the female equivalent of a 1950's beer-in-front-of-the-tv-drinking, impregnating, sexist cad - but women have only been allowed to have opinions for a few decades, so hear me out: our men have gone soft and they need saving.
i have a boy child, so i know how much a part of his nature it is to be attracted to masculine pursuits. you don't tell your child to love locomotives when he's 6 months old - he just does. if you're dead against toy guns, he'll fashion one out of a fallen branch, a dagger from a rock. you don't tell them to love fishing and hunting - they just do. boys are completely different to girls. it's in their genes, their wiring and in their spirits. therefore, boys who are growing up in front of televisions, playstation games, wii's and laptops are missing out on an incredibly important chapter of their manhood (besides for being inactive for hours and developing brain rot). it's dawned on me how these changes in society have brought about a generation of men who have forgotten how to be men. i know this must all seem terribly confusing to men who've heard women bleating on for years about needing men to be more sensitive and emotional. we take it all back! we're sorry! we'd prefer it if you'd spend your time making us furniture, rather than joining our craft blogs.
single parent families have a huge impact too - there are often no fathers around to give their young sons a masculine outlet or guide them on their path towards manhood. and us mothers are having to bring in an income, keep house, shop, cook and tend to children on our own, so i think it's a little unfair to think we could also fit in woodwork, building and fishing before dinner. my father is a real man who can chop wood, build, tile a bathroom, build a cupboard, race horses and still get home in time to cook a brilliant curry or a manly steak - they do exist.
so tell me ladies, would you prefer your man to build you a house, or make you a salad?
stanford blogger
i've just found out that my new stanford friend and single mother (to two amazing girls), robyn, is a blogger! robyn has just moved to stanford from durban and documents her love of stanford on her blog 'country life dreams'. add her to your blog roll if you love stanford, the country and beautiful pics!
Friday, January 27, 2012
one night only
i had my flower over for one night only and we lounged around and smiled like big furry cats who got the cream. i was gifted 2 cases of & union beer a few minutes before lauren arrived (perfect timing) and we proceeded to treat each other to delicious bottles of craft beer throughout the day. *hic. we started this morning with a playful dip in the river, working up an appetite for bowls of homemade bircher muesli with grated apple and mango waiting for us at home. lauren made us haas coffee in the moka pot and we sipped on fresh ginger, beetroot, apple and cucumber juice made in my juicer. YUM. then she had to depart, but our time was sweet! look at her and her cute musician man. sweet!
thank you, brewers & union!
i was treated to cases of...gulp.. brewers & union versus goliath beer this week...gulp...because these guys know...gulp...what a beer enthusiast i am. thank you &union and the gabriel collective for these here billion bottles of beer. beer is good for you!
thank you, kodak!
hey kodak, thanks for this awesome waterproof playsport video camera! it's everything i've been looking for in a swimming companion! finally i can film myself rowing down the river in stanford, my encounters with seals, death-defying escapes from raptors and our synchronised swimming/gin parties. thank you!!!!
Thursday, January 26, 2012
i've never seen a sexier collection of healthy recipes in my life. this is mecca, ladies! these are the health foods we've been searching for our entire lives! follow the sprouted kitchen for ideas on how to get beautiful and tasty with health foods.
simply breakfast
simply breakfast is a blog all about beautifully styled breakfast scenes, by a photographer in new york. what an inspiration! i love the handmade ceramics, wonky bowls, exquisite use of colour and of course, all the homely breakfasts.
Wednesday, January 25, 2012
i'm looking at the bigger picture
there were some wonderful moments in 2011; opportunities that presented themselves, allowing me to grow as a 'creative'. i made some incredible new friends, some of whom are most definitely kindred spirits. i made the life-changing decision to move two hours from cape town, to the sleepy little river town of stanford, where i made many more new, heavenly friends. but then i lost one of my most treasured, in the most horrific way. our village went into shock and mourning. my guts and my heart felt like they'd been ripped out of my chest and all that was left was someone who had no idea how to cope with the emptiness left behind. what a way to realise how much you loved someone. they say there are various stages of grief: well i don't seem to be venturing beyond shock.
the theft of her has given me perspective though: when you're left behind in the aftermath of a young mother's shocking death, you tend to realise that the people you love are the most important priorities on this earth and really, trivialities don't matter. when a mother of two is murdered in her home, even amongst the tears, searing pain, treacherous grief and terror, you come to a few realisations, including how little time you have. you're faced with your own mortality, and really, what it is you're going to do with this one wild life you're fortunate enough to be living.
possessions don't matter. the things you lack don't matter. your insecurities don't matter. your guilt doesn't matter. the things you battle to forgive yourself for - they don't matter - because, in the end, how much you gave of yourself and loved will be your legacy. how you treated people, will matter. how kind you were, will matter. how passionately you lived your life. how much you gave of yourself to your children, will matter. being true to yourself and living courageously - that will matter. opening your heart matters. so i'm done with chasing friendships with people who don't make me feel good about myself - there are enough people who love me. i'm done with pettiness - there are far more important things to spend my emotions on. i'm looking at the bigger picture now.
when people ask me how i felt about 2011, i'll always remember how i felt. new year, please be kind to our hearts.
vintage swimwear
thanks to frankie, i found these beautiful swimwear creations being crafted in australia, by sanoii and six. i love the colour tones and simplicity.
chapel bag, i want ya
continuing with my local love birthday wishlist, i've been lusting after one of these here chapel bags for around 2 years now. i love this charcoal colour, but check out all their bag styles and colours here
instant art
Subscribe to:
Posts (Atom)


text:
The main prey of polar bears has been declared a threatened species because of diminishing sea ice due to climate warming, with Gov. Sean Parnell's office announcing that it was considering a challenge to the federal decision.
The National Marine Fisheries Service on Friday declared ringed seals as a threatened species under the Endangered Species Act, joining polar bears on the list.
The agency also placed a second ice-dependent seal, bearded seals, on the list.
Ringed seals are the only seals that thrive under completely ice-covered Arctic waters. They use stout claws to dig and maintain breathing holes.
Females give birth in snow lairs to pups that are susceptible to freezing until they grow a blubber layer.
Bearded seals give birth and rear pups on drifting pack ice. Sea ice this year reached record low levels.
Gov. Sean Parnell said Friday afternoon that his office might appeal the NMFS decision, citing potential harm to the state's interests.
"The ESA was not enacted to protect healthy animal populations," Parnell said. "Despite this fact, the NMFS continues the federal government's misguided policy to list healthy species based mostly on speculated impacts from future climate change, adding additional regulatory burdens and costs upon the State of Alaska and its communities, and wresting away Alaska's sovereign interest in managing its own wildlife and resources."
Groups aligned with the oil industry blasted the decision in statements issued Friday, with the Alaska Oil and Gas Association saying it wasn't based on the species' present conditions.
"NMFS' decision is, in our opinion, not consistent with the text and policy of the ESA or the best available science," said Kara Moriarty, AOGA's executive director. "The decision to list ringed and bearded seals is based on how climate change might affect these species 100 years from now, despite their populations currently being healthy and abundant. That's bad precedent for making evidence-based decisions that have real impacts for Alaska."