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Booker T. on the Tarmac: A story about First Coinvestors
By Charles Morgan and Hubert Walker for CoinWeek ……….
Anthony Swiatek and Walter Breen's The Encyclopedia of United States Silver & Gold Commemorative Coins: 1892-1954 has always been one of my favorite books. Sure, the topic's been done better, most recently by Swiatek himself. And yes, the book is hopelessly optimistic about what was then the future value of the series. But it felt like it was written by authors who really knew the series, and understood what collectors want to know.
Taking a different approach than Don Taxay and his earlier work, the Encyclopedia made you feel like you had privileged access to the always fascinating, sometimes sketchy, inside scoop on some of America's most interesting novelty coins.
What stands out in the minds of many readers is the peculiar way in which the book is laid out. Starting from the premise that every commemorative was created by swindlers and frauds, the coins are listed beside the Latin phrase Corpus Delicti, which means "the body of the crime" and refers to the facts necessary to the existence of a crime (as in the death of a victim in a murder case). The groups and individuals behind the pieces are identified as "Suspects" or "Accessories", and Swiatek and Breen's description of each coin's design process comes under the header Modus Operandi. It gives the Encyclopedia a kind of True Crime atmosphere, and makes each story seem like an episode of Dragnet. While all along, the authoritative and collegial manner in which the authors write lulls you into a great sense of trust and camaraderie.
Little did I realize, in all the times I've read the book, that some of the fun and games had at the expense of the original purveyors of America's commemorative coin series was also being had on me as well. It seems that the publishers had more at stake than just selling books.
Maybe I would've known better had I been in the game in 1981, when the book came out. It was published in part by First Coinvestors, Inc., a subscription-based, coin-of-the-month dealership (the Columbia House of the not-so-rare coin industry), and, despite winning the 1981 Numismatic Literary Guild Book of the Year Award, the Encyclopedia appears to have been viewed by the company simply as one large "advertorial" to promote their business.
To what extent Mr. Swiatek was involved with that side of things, I'm not sure. I spoke with him recently about the book, and he all but dismissed it (which makes sense in light of his recent work).[1] He had some great anecdotes, though. On Walter Breen, for example, Swiatek said that his sole contribution was the claim that the Stone Mountain doubled die was a rare coin (it's not). He also had nothing good to say about Stanley Apfelbaum, the man whose photo appears on the inside flap of the book.
Somehow, I missed that.
Breen and Swiatek's bios are on the back cover. Apfelbaum's bio is much smaller and under an ad for two other FCI/ARCO books: Morgan & Peace Silver Dollars, by Van Allen and Mallis, and The Financial Management of Your Coin/Stamp Estate, by D. Larry and Tony L. Crumbley. I thought he had something to do with those.
He didn't. As Swiatek told me over the phone, Apfelbaum inserted himself into Swiatek's work. Stanley Apfelbaum was a New York lawyer (eventually disbarred), life member of the American Numismatic Association (eventually expelled), and owner of the coin industry's first publicly traded dealership. His "fingerprints" can be found not only on the dust jacket, but also in the prose itself with a "Special Investment Section" seamlessly slipped into the narrative.
So seamlessly that after all these years my view of underrated coin series was affected by what he – Apfelbaum – had to say.
First Coinvestors
A whole book can be written about First Coinvestors. The company's story is complex, and not as black and white as some might believe.
For the sake of our story, however, we focus on one small aspect of that saga.
First Coinvestors were one of the biggest distributors of coins to non-numismatists in the country, even hiring both Walter Breen and Don Taxay (Swiatek says he never had much to do with the firm).
For a time their ads could be found in high-powered magazines like Kiplinger's Personal Finance. One ad circa 1980 offered a free gold Mexican 2 Peso coin (with a modest .0482 ounces of gold) when you subscribed to their $50 a year Rare Coin and Stamp Advisory. The company's own ad copy described the periodical as something that "reports trends and special limited situations", and "offers you a chance to buy rare coins and stamps on exceptionally favorable terms".[2]
The monthly Coinvestors advisory had some 30,000 subscribers in 1980, around the time the Encyclopedia was published. Most of these subscribers, we imagine, were also participating in the firm's coin-of-the-month program.
And if that's the case, then how difficult was it to fill orders? The very idea of a rare coin market presupposes that the coins are actually rare. By definition it's impossible to expect 30,000 rare coins a month to be available. Therefore, despite their own claims, they (and firms like them) weren't really dealing with rare coins, but readily available coins sold to collectors as "investment instruments".
Murky waters, to be sure.
Which brings us to the Booker T. Washington and Carver Washington commemorative coins (all of them!)
Booker T. and Carver Washington Half Dollars by the Thousands
There was little to no interest in the Booker T. Washington and Carver Washington half dollars by 1980, despite their historical significance and interesting backstories. The coins were overproduced and undersold. An untold number were melted. Many of them went into circulation, while others gathered dust in clear plastic packaging.
In fact, hoards were being saved. The Guttag Brothers had many; their stash was dispersed only a few years ago. Others, too, stored these unwanted coins by the thousands. For all intents and purposes, once silver was removed from circulation, the Booker T. and Carver Washington halves were treated more like bullion than collectibles.
Yet, in a special section of the Encyclopedia (again, according to Swiatek, inserted without his permission), First Coinvestors President Stanley Apfelbaum named the Booker T. and Carver Washington sets as the first of the "Big Six", the best commemorative coins of the 1980s.
The spiel begins, "Want to see your investment triple within a decade? I believe that might be a conservative prediction! As rare as the Grant with Star Half Dollar is, the 1954 W/C Set is harder to obtain!"[3]
That statement is a stretch. Outside of the 1954-S, The 1954-P and D Carver Washington halves do have a fairly low distribution (approximately 12,000 each), but the Grant with Star is considerably scarcer, with a distribution of about a third of the Carver Washingtons. Still, an argument can be made that the complete, unbroken sets (not the individual coins) were harder to come by (the lower mintage coins were sold only in sets and the higher mintage coins were sold as singles).
Apfelbaum goes on to describe how Coinvestors bought $135,000 worth of these sets at below wholesale and shipped them to their clients, adding that by the time all of the coins were dispersed, the wholesale cost had risen almost 100%, and that their customers could turn a very strong profit should they choose to sell the coins now.
I asked Swiatek about the investment potential of the Booker T. and Carver Washington halves. Hubert and I were curious if he still felt bullish about them, since whatever gains the series made were busted by the commemorative market collapse, and most of the coins are easy to get. We thought he might. To our surprise, Swiatek didn't think the coins had much potential at all.
He then recalled an anecdote about how a planeload of the commemoratives was flown into New York, and how a crate filled with them spilled out onto the tarmac while handlers were unloading cargo. Who knows how many coins were scuffed beyond recognition in that calamitous event? The impression it gives us, however, is that these coins were neither scarce nor a great "investment" opportunity. Instead, it seems that Apfelbaum was promoting the coin and playing his subscribers for fools.
An Increase in Value or the Absence of Low-Hanging Fruit?
We have our doubts that these coins saw a real increase in value, as Apfelbaum suggests. To understand why, let's look at two different market factors.
The first factor is the law of supply and demand.
This factor supposes that there's less supply than demand, which means that those wishing to purchase the coin after the supply runs out will have to pay more to entice owners to sell. It's a fundamental economic concept that should paint a fair picture of the coin market (what kind of market we actually have is a whole other series of articles). So, in order to figure out whether there's enough supply to meet demand, we must figure out what the supply is and what the demand is. Simple enough, right?
In my recent interview, I asked Swiatek how many people collect the series. He was reluctant to speculate, saying it's impossible to know. We're sure he's right – to an extent. You can't know exactly how many people collect a series to the last digit, but someone in the business of selling the coins should have some idea how big their own niche in the marketplace is.
With the acquisition of so many Booker T. and Carver Washington commemoratives, we assume that a large portion of First Coinvestors' 30,000+ subscriber base was (for a time, at least) into the Booker T. and Carver Washington market. They were the ones for whom the coins were purchased and they were the intended audience for Apfelbaum's encomium in the Encyclopedia. But outside of those customers, was there enough demand to truly elevate the value of the series?
Clearly there was no demand for the series at the outset. And one or more stakeholders in the series had enough coins to sell First Coinvestors a whole airplane full of half dollars. Apfelbaum says that the firm bought the coins below wholesale. If they were bought at melt or close to it, then First Coinvestors bought about 45,000 individual coins. A fraction of the total mintage, but a surprising number not in collectors' hands some twenty-five years after the last coin was struck.
How many more such hoards existed and how many of those could be purchased at such a price? If First Coinvestors were offered a second load of coins similar to the first, would they have bought it? And if so, would they have sold their large subscriber base the same coins a second time? If they did, how many times could someone get away with that?
In truth, First Coinvestors was creating demand that didn't exist before. And if the wholesale value of the coins doubled, it probably had more to do with low-hanging fruit being plucked. If the remaining coins were scattered across the country in smaller lots, it stands to reason that the cost of acquisition would be higher than that of the hoard coins. This is fairly standard in wholesale buying. The more concentrated the stock is, the less it's worth. The less stock a seller has, the more they tend to value it. Just because First Coinvestors said the price doubled, it doesn't mean that the new owners were going to benefit from any gains. It just means that First Coinvestors would have to spend more money to obtain large quantities of the coins.
The second factor, which gets back to our question about how many people collect the coins, is the collecting behavior of series specialists. We broke this behavior down into the following categories:
- Casual collectors who might buy the occasional piece here or there, whatever strikes their fancy. In other words, not specialists at all (but potentially so).
- Collectors attempting to assemble the 50 coin type set.
- Collectors after all 144 coins in the classic commemorative series.
We estimate, based on PCGS and NGC Set Registry rolls[4][5], that the number of collectors going for the 50 coin type set outpaces those trying to get every last commemorative issue by a factor of two to one. We also suspect (since every single issue in the series can be had at any time without much effort) that the combined total of set builders plus random coin accumulators and casual buyers doesn't even come close to the distribution totals of any but the scarcest issues in the series.
Simply put, even if First Coinvestors had bought all of the largest stashes, and stealthily attempted to promote multi-year series like the Booker T. and Carver Washington in Swiatek's book, the coins had nowhere to go in terms of future value. Even the lowest mintage issues of the Booker T. and Carver Washington sets were treated as type coins. There was no real push from the mostly white coin collecting public to pay premiums for these African-American-themed coins.
Mintage alone doesn't drive demand.
The Coins Today
Typically, coin collectors are savvier than the marketers. Even if they were duped once, they figure it out. The Booker T. and Carver Washington coins might not be the underrated series we thought they were when we personally started analyzing classic commemoratives, and we admit that we were taken in by the seemingly earnest "advice" inserted into an otherwise cool book.
The facts, however, don't bear out the hype. Buyers don't pay much mind to low mintage, branch mint coins in nearly any type set in the classic commemorative series, and they certainly don't for the historically besmirched, massively overproduced Booker T. and Carver Washington series.
If you bought into the coins in 1978, we hope you got out while the market was hot… or that First Coinvestors sent you some really nice conditionally-rare pieces. Not all of them fell off the truck, we hope.
With special thanks to Anthony Swiatek, without whom none of this may have seen the light of day.
Swiatek, Anthony and Walter Breen. The Encyclopedia of United States Silver & Gold Commemorative Coins: 1892-1954. 1981. Print.
Taxay, Don. An Illustrated History of US Commemorative Coinage. ARCO, 1967. Print.
Meg for Your Thoughts: Can you guess what a "meg" is? That's hobo slang for a penny. Hoboes started using the word back in the early '30s, supposedly to honor the newborn Princess Margaret. You can read about this and other fascinating facts concerning the old-timey train hopping subculture in Joyce Ann Romines' The Hobo Nickel (1996), available online over at David Lawrence's blog. "Penny"… "Meg"… Does a fondness for the penny make everyone think of it as female?
Ruben Bolling, creator of the weekly political comic strip Tom the Dancing Bug, recently did an irreverent take on Obama and the whole platinum coin idea. You can check it out over at Boingboing.net. Oh, that Biden!
[1] Swiatek, Anthony. Telephone Conversation. January 2013.
[2] First Coinvestors, Inc. Advertisement. Kiplinger's Personal Finance. April 1980.
[3] Swiatek, Anthony and Walter Breen. The Encyclopedia of United States Silver & Gold Commemorative Coins: 1892-1954. New York. ARCO Publishing/ F.C.I. Press. 1981. Page 279.
[4] www.pcgs.com. Accessed 2/14/2013.
[5] www.ngccoin.com. Accessed 2/14/2013.
7 Comments
I still have a 1881 S Morgan dollar that my father received from a coin a month club in the early 80′s. I remember he was paying $10 per month. I keep this coin in my collection because my father owned it but also because it is a beautiful gem that I grade at MS65. A common coin even at that grade but priceless to me.
I can't think of too many better reasons for keeping a coin than that.
Plus, the idea of a coin-of-the-month club sounds fun, actually.
Oh yes! I do remember those heady days of 1979-81 when those coin marketers hawked just about anything in Mint State as rare! The early commemoratives of the U.S. and Proof U.S. coinage sold for astronomical prices back then and will never be seen again. Today, collectors and investors prefer to be fleeced with high mintage modern U.S. Mint bullion items. Not content to potentially lose their investment at Mint issue price with some "modern" commemoratives just as esoteric as the pre 1955 issues, these collectors clamor for them in condition rarity 3rd party slabbed coins (MS or PR70 is THE holy grail). In as little as one or two years after issue, many of them come crashing down in value closer in line with original government issued product and the prevailing bullion melt value.
In regards to your article about First Coinvestors, I would like to at least respond to a couple items. I was their coin buyer in mid 70′s and while many coins were bought that were readily
available, we also puchased many rare and desirebale coins thru the various auctions held. I distinctly recall outbidding Harry Bass at a Stack's auction to buy incredible quality $5 gold pieces. We also discovered many new varieties of coinage (like the 1853/4 qtr), not before noticed. Make no mistake, First Coinvestors was there to make money, but they opened up numismatics to a whole new group of people, who may not have otherwise gotten involved.
Stanley Apfelbaum, in order to add "legitimacy" to the company, hired well-known numismatists. Most were "consultants", who had little or no knowledge of the day to day activities.
I would venture to say that if a group of First Coinvestor coins appeared on the market today (if they survived their being holdered in PVC plastic), they would stand the test of time of price and quality.
This article started when Charles interviewed Anthony Swiatek because we had some questions about the commemorative market as it exists today. We were intrigued by what we were hearing about First Coinvestors. We've done further research into the company since and would like to do more. Like we said, it's a fascinating story and not as black and white as some people we talked to have said, and also not as cut and dry as the details of the story we presented here might seem. But for now, we stuck to one small side of things.
Trust me, when we get a chance, we intend to cover the good and the bad in a more complete rendering.
Hubert Walker
Thanks for the great feedback. We'd love to dig more deeply into the Coinvestors story. We talked to another figure involved with the firm doing research for this piece and he had some rather complimentary things to say about the firm- so like we said, it's not a black and white story… and a whole book could be written about the firm.
If you'd like to speak with me more about Coinvestors, you can pass along your email address through CoinWeek at email@example.com.
Hubert and I have many questions that we'd like to get answers to.
Great article! As a collector of commemoratives, I'm always glad to get new info about this series. Thanks for sharing.


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Get free shipping on your next order when you spend over $100. The discount will be automatically applied to your purchase; no promo code required. The subtotal of your purchase must be $100.01 or greater after any promotional discounts have been applied. Additional fees such as tax or shipping and handling do not apply toward your minimum subtotal requirement of $100.01. Offer applies to standard shipping only. Certain items that require additional shipping and handling are excluded from this promotion and do not apply towards your $100.01 subtotal minimum. Offer subject to change.
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Totally Toned
This is a high energy class that will jump start your morning! You will work all the major muscle groups with a combination of dumbbells, resistance bands, & cardio bursts. The cardio bursts will use your own body weight with a combination of steps, jumps, etc.! Be prepared to keep your heart pumping and your muscles burning.
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text: The above lyric is from Keane's "Can't Stop Now" and it's apropos for more reasons other than I just like the song. Life, in short, these days, has been nothing short of OMGWTF. I really don't want to go into the details, 'cause honestly, this blog ain't that sort of thing. We're okay. We're managing. But I hadn't been able… Read more →


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- Publisher: Capcom
- Release Date: Apr 23, 2013
- Also On: PlayStation 3
- Summary: A mysterious island known as Bitterblack Isle appears off the coast of Gransys. Its depths have claimed the lives of many Arisen; their voices still haunt the labyrinth that lies deep beneath its surface--a labyrinth ripe with secrets waiting to be discovered. The time to take up arms has come once again. Delve into the isle's depths and uncover its dark secret.… Expand
- Developer: Capcom
- Genre(s): Action RPG
- Cheats: On GameFAQs
- More Details and Credits »
Score distribution:
Positive: 23 out of 33
Mixed: 10 out of 33
Negative: 0 out of 33
May 3, 2013Still, original owners clearly weren't the primary target of Dragon's Dogma: Dark Arisen, hence it being released as a stand-alone title. The real target, for better or for worse, are brand new players who haven't been introduced to Capcom's newest fantasy property.
Apr 25, 2013It will take a capable character about a dozen hours to make it to the bottom of this mega-dungeon, and once you do, the dungeon locks up its doors once more and fortifies its defenses with even more fearsome guardians to match your inflated level and newly-acquired loot.
Apr 22, 2013If you've beaten the game and moved on, there's enough new stuff to explore that it warrants another playthrough. And for those who are looking for a quirky RPG with epic moments (and pig-throwing hijinks), here it is in one neat bundle.
Apr 22, 2013One of the best gdr of the last year became even better. New weapons, new enemies and more than 10 hours of pure fights await you on the Bitterblack Island.
Apr 22, 2013Capcom adds new hours of interesting gameplay to one of their best new IPs of this generation.
Jul 14, 2013Bitterblack Island is a truly solid challenge bringing fun and atmosphere that is, however, suffering from the game's monotonous setting, limited space manoeuvring, and the game's linearity. Still, if you've never played Dragon's Dogma, you'll get the original heavy title along with this expansion pack.
Apr 23, 2013Poor balance and careless design limit its appeal to a tiny group of the most hardcore. The original Dragon's Dogma didn't completely succeed in its attempt to emulate Western, open-world RPGs. Dark Arisen makes a much greater mistake: It fails to recognize or capitalize on its own strengths.
Score distribution:
Positive: 21 out of 26
Mixed: 2 out of 26
Negative: 3 out of 26
Jul 5, 2014Been playing this game a few weeks and it's a great RPG.The whole concept of making a highly customized AI pawn traveling companion that learns(instincts on how to battle enemies from you and other peoples pawns )you rent out is fantastic!!I wish other RPG games would try this too. Even though the pawn renting community isn't as active now as last year, there are still people playing and some who will offer help and advice and sometimes the use of there higher level pawns for training and quest help.
What can I say if if Xbox 1 had an AI like this for built in for certain games it would have been a bigger success than forcing kinect on people. Anyway the graphics of the game could be better but they are still good. I really like the music and atmosphere the game has and am enjoying the story.Definitely a lot to learn.The gameplay stays challenging as you switch different vocations for perks and building the best version of your final class.It offers many hours of gameplay with new game+ which is a better time to attempt the Bitterblack Isle content as you level up.The battles are "mostly" fun and engaging.It is an adult story that is interesting and intelligent.It's just too bad you can't romance your favorite pawn lol..… Expand
Apr 24, 2013If you have not chained your controller to your arms yet please do so before playing. A game deserves a 10 if it meets three of my categories.
1. Does it keep you entertained? YES
2. Are there moments to learn? YES
3. Does the game have nostalgic qualities? YES
Let me first start of by saying that I am level 75 and I am at NG++ (New Game Plus Plus) Average players may reach level 50 before completing the main story line. Skilled players will seem to be at this current time 150+ This likely able to be said since the original Dragons Dogma was released in 2012 giving players the opportunity to reach level 200 casually though you can reach that level in a month. However not the case for me since I like to spend my time exploring and figuring out what secrets I need to uncover. Sure enough there are so many that every new game I play I find something intriguing and have my "aha." moments.
The addition of adding Black Bitter Isle will give you the creeps, just as night fall in the original dragon dogma did. I find myself sending out my pawns in first as some of the corridors are just plain eerie. The zombies when they talk will make your skin crawl especially when they rush towards you and you are screaming at your main character to hurry up and cast that spell before you become a snack.
"Dark Arisen is not a DLC it is rather an overhaul of a game that rewards veteran players and tries to allure new gamers by adding several additions such as smoother options, Japanese VO and updated textures."
NOTE* Xbox users you will see 2 discs and PS3 players one... The second disc is the texture back for Xbox players while the single disc for PS3 has it already implemented since bluray discs have a higher capacity than that of DVDs'.
It is recommended for players to be level 60+ but I find myself using pawns that are level 30 that have the right inclinations and abyssinal gear. (http://dragonsdogma.wikia.com/wiki/Abyssinal_Armor_Set) I enjoy using personalities or rather inclinations such as Scather/Mediator for my pawns as well.
The game has some extremely beautiful lighting effects, some that may even rival Skyrim... Actually I feel the fighting system outshines Skyrim in all aspectsn as well... but enough of that back to the game. You are introduced to a small story line and you meet an npc character that takes you to the island.
After her introduction you are off to explore the under ground labyrinth... I have yet to find new armor but, such is a game with randomization that once you do find a piece it is a great feeling.
There is only one problem I have with this game and it still plagues this one, the ability to find a snugg corner away from bosses while you safely pew pew them away as you pawns do the rest for you. However there are those occasional bosses that it is impossible to do so. This is rather more easily accomplished by range players than melee.
The Boss AI are there to literally kill you, range characters that can not find a place to hide away to cast spells will literally be obliterated. The AI knows when you are about to cast a spell so be forewarned... The same can not be said for the pawn AI, since you have to really pay attention to what they are doing.
"Trying to give the retreat comman is useless if your pawns are in the middle of casting a spell."
Does this mean the Pawn AI is useless... no. In fact the Pawn AI will make you giggle, frustrate you and eventually want to make you grab them and throw them off a high cliff (which you can do) out of pure anger. The Pawn AI is smart, they know when to cast but it is your job to make sure you are distracting the boss and have a bit of faith in them as it took me a while to understand this. I wanted the easy way to win and depend on my pawns but in a sense lost what make dragon dogmas so great the ability to be able to grab on a monster for dear life and bash them away 300 feet in the air.
The game is not with out it flaws but what game does not? The addition to this game was well worth the wait. Death stalks you, your pawns have calmed down their chit chat but still annoying sometimes...
The game is addictive there is not way around it, and now that there are more armors to choose from you just want to get the best gear for you pawn.
"A well geared and good looking pawn has a better chance of being hired by other players so you can get those delicious rift crystals."
This game is a huge bargain for new players and somewhat of a mediocre addition to veterans but still keeps you coming for more. I still have to yet to achieve that golden idol and have yet to convince Madelene to open her shop to purchase the armor that I need.
The game has unlimited replay value meaning when you beat the game REMEMBER to choose load game as you can go to New Game and start from the begining with all the gear you acqured from the previous play through.
The year was well worth the wait...… Expand
May 29, 2014This game is awesome. I love it. If you like RPGs this ones for you. Battlesystem is so good and the story may seems dull at first, but after you have seen all the endings, it's pretty good. Visuals are good and the difficulty is pretty high. The soundtrack got some nice songs, which are rememberal. Go on and buy it, there is a lot of content for you.… Expand
May 30, 2013This game is great. The pawn system is one of the best ideas I've heard of. This game has been and will be overlooked by many.
Decent-sized map, cool classes and skills, interesting armor, massive character customization. Not only do you get to create your own player character, you get to create your permanent companion too!
The boss battles are epic. You have to defeat all heads on a Chimera (goat, lion and snake) and you can crawl on large beasts to stab them where you want to stab them. No more slashing dragons ankles until they die!
The game isn't without flaws. The story is slightly dull, there's no efficient fast-travel, the pawns talk too much*.
*In the beginning of the game, their chatter is helpful. Telling you your enemies weaknesses, etc., but at level 10 and beyond they shouldn't be doing that.… Expand
Aug 29, 2013This review contains spoilers, click expand to view. This game wasn't even on my radar when I picked it up. Really just got it to kill time between other releases. I was surprised at how drawn in I got after a few hours. The depth of combat between all of the character classes is very nice. The climbing on enemies thing was pretty clunky, but you're not forced to do it very often.
The only downside came at the 'end' of the game, and it had to do with the affinity system. Apparently the game decided I was in love with the blacksmith and that he should be transported across the map once I beat the dragon. This made the remainder of the game a pain in the ass, as there is no fast travel system. All in all, a good game. I recommend it.… Expand
Apr 27, 2013Well first of I really like skyrim and dark souls played those games combined like +300 hours, and then came dragons dogma dark FAIL I mean this game just blows, Like what year is it 2006 combat sucks and the game looks like all the detail was flushed down the toilet. And the character leveling system is way 2 confusing. I would not even recommend this game even if it was the last rpg on planet earth like worst rpg ever and someway remind me of the lord of the ring coop that came to xbox but even that was better Capcom next time I even consider buying anything again from you guys I always remember this epic fail.… Expand
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Oracle has updated some of its middleware and developer products to make them better equipped for private cloud deployments, releasing major updates for the WebLogic application server and Oracle Coherence in-memory data cache.
The updates are designed to "provide an integrated foundation infrastructure for customers who want to build a cloud infrastructure, for customized applications or applications running under our Fusion middleware," said Mike Lehmann, Oracle vice president of product management.
[ Keep up on the day's tech news headlines with InfoWorld's Today's Headlines: Wrap Up newsletter. ]
Oracle now describes this set of software, which also includes the Tuxedo application server and recently released Oracle 12c database, as the Oracle Cloud Application Foundation.
"They have done a lot of integration in this wave" of releases, IDC analyst Al Hilwa said via email. "Some of the most interesting stuff is the integration pathways between [WebLogic], the Coherence layer and the Oracle database."
The new version of WebLogic Java application server provides the ability to do dynamic clustering, which allows organizations to "grow and shrink WebLogic clusters to adapt to the workload," Lehmann said.
WebLogic includes a set of diagnostic tools that watch memory and processor usage, which the administrator can monitor to see if the cluster needs to change in size.
WebLogic Server 12.1.2 now also supports new cloud-friendly Web application protocols, including Websocket. The server software's TopLink data services can now provide access to data sources through the JSON (JavaScript Object Notation) and XML formats.
Administration for the Java Messaging Service (JMS) has been streamlined in WebLogic. The new JMS can speed data rates on Oracle Exalogic by up to three times, according to Oracle.
WebLogic can now also fully support Oracle 12c, including support for the new database's advanced features such as application continuity and multitenancy.
With application continuity, WebLogic will allow an application to continue to function even if the database goes offline. Support for multitenant capabilities will allow applications to pick which specific tenant databases they can connect with.
WebLogic now also works more closely with the open-source Maven Java build manager. "We've made it very easy for customers to create a Maven repository out of a WebLogic server, so you can build an application with all the [WebLogic] dependencies satisfied," Lehmann said.
The new update of the Coherence in-memory data caching technology, the first version of Coherence in the Oracle 12c product line, "is a major new release. It has significant new capabilities across the board," Lehmann said. As a data cache, Coherence provides a copy of material that resides in a database, but is much quicker to access because it is kept in the working memory of the server, instead of on disk.
In addition to also offering full support for Oracle 12c, the new version of Coherence offers a number of new technologies that will help in faster data synchronization.
"A common issue customers deal with [with] any caching technology is what happens when the data is out of date with what is in the back-end database," Lehmann said. Data may become out of sync when an application updates the database independent of Coherence.
The newly released Coherence 12.1.2 now uses Oracle's GoldenGate database backup software to update entries in the cache that have been recently changed in the database. "GoldenGate will send those changes to the cache, so the cache will always be hot," Lehmann said.


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Rising early we ate the free breakfast which is limited to the normal fare. We sat outside waiting for the van to come costing $10 pp to the dock. We rode with another group who were going on Carnival Cruises. Our driver dropped us off and the luggage man appeared and tossed our cases up on the metal carrier and waited for his tip. We then joined the long but fast moving line thru security. Once thru we saw the V.I.P. lounge for suites on the left where our ship card was issued and we joined the group departing to the next lounge since we were too early too board. This new area was up the escalator and larger with beverages, cookies, and chocolates.
About 12:30 p.m. we were escorted up to Cagney's and offered lunch but we declined having packed our suits in the carry-on we went down to the public restroom and changed then put our carry-on's by our chairs and headed for the hot tub, ahhhh so nice. Many folks were sitting in the shade eating burgers and hotdogs since the cafe was now open along with the pool area eatery. When we had our fill of the hot tub we took turns getting our food. Had our hunger satisfied and now, 1:30 p.m., it was time to see if our room was open. Sure enough it was ready and in comes the butler to introduce himself; Roland. We make our requests for three cartons of milk each day to make cappuccino using the room coffeemaker, and asked for fruit instead of meat/fish snacks. Roland was outstanding especially when we ordered the in room pizza (16 inch across) delivery at the cost of $5, cheap for how great it was, also one day after walking in the heat, sandwiches were waiting for us in our room. Next we met the concierge, Anoop, he was very helpful in changing out one of our pre-booked excursions and ordering two more. Anoop is the person you contact to get priority disembarkation in all ports and when tenders are used, unless you have an excursion booked and must meet in the theater. We didn't do this on one port and we were very sorry standing in the long hot line, going down the stairs for nearly an hour. Anoop takes you down an interior freight elevator and takes you right to the scanning podium. This is what makes NCL stand out above all the other cruise lines in suites, in our humble opinion. Randolph was our room steward and he kept the place in good order with a few animals to boot.
Cabin: I love this style of Courtyard Villa it is so cozy, the bed is sectioned off with a thick curtain to block the light. There is so much space to store things many were left empty and we had three packed suitcases. The bathroom is very spacious and love, love, love the multi jet shower with floor to ceiling window. There is an oval shaped tub with small TV over it but we never used it (would be nicer if it had hot tub jets). There are two sinks with plenty of counter space. There is no way to improve on this design; I wish it was on the Epic. The toilet area is a bit smallish with telephone that I clipped repeatedly with my elbow until I accidentally hit the panic button and a voice started talking to me from the ceiling asking if I was alright.
The living room is a bit tight but comfy and we enjoyed a couple of movie nights since movies are free for suites. There is a nice sized balcony but sadly there is an awning below this room that blocks the water view so you do not see the wake from the ship. Also while sitting outside you constantly hear voices below under that cloth awning since it is the main walkway. We could hear noise from above from the public sundeck and one night at 11:30 p.m. someone was jogging around in circles, note always take your earplugs.
The dining area has a good sized table with four chairs, two of which we stored in the spare bedroom. Each time they serve you a meal they put down a white table cloth and set the table so nicely. Much easier than sitting in the noisy dining room waiting for 90 minutes for lukewarm food. Next, the counter which has all your glassware and cups albeit small ones, we brought our old NCL mugs. They use capsules in the Lavazza Blue
Coffee machine, if you like foo foo coffee, such as cappuccino, ask the butler how to steam the milk. There is a small fridge, items are NOT free in here but they leave enough space to store items like yogurt if you take them in the morning at breakfast and eat them at night.
Spare bedroom was good sized had a bed and a pull down bed on the wall someone said a child has to be ten to use it. The bathroom was quite large in this room and there are three drawers and two hanging areas for clothes.
There is a foyer from the entry door to the cabin so you can close the doors inside to make it quieter from hallway noise or privacy if two couples using the two bedrooms.
The courtyard was like our favorite place on the ship. With the glass ceiling the sun shone in and we lounged in the hot tub nearly every day and took short laps in the little pool. Sherwin was the butler in here and very interesting person to talk to. He kept the coffee, orange juice, gummy bears, M & M's, and cookies stocked till 5:00 p.m. You can also eat meals in here but we never did. There is a stairwell on the wall by the hot tub that leads to the private sundeck with hammocks and lounge chairs.
With the suites you are allowed to eat for free at Cagney's for breakfast and lunch. We were very unhappy with the cooks since they just could not cook a steak medium to save them. Burgers were dried out and way overcooked. I think they prioritize the room orders or courtyard orders over the people who are actually in the restaurant. The place was near to empty but for some reason they put my husband's plate of steak and eggs in an oven for ten minutes; of course both items were so overcooked we opted to go to the Garden Cafe the next day. Cagney's staff was blase they smiled but very little interaction other than Karin the hostess, she was always fun, happy and talkative.
We basically like to play the slots spending about ten dollars each over a few days while waiting for events to start or to fill short periods of time. On the Epic the machines are in the middle and the air is filtered constantly so not really bad unless you get between two smoking machines. Sadly on the Pearl it was stifling. We tried to play but eyes burned and sinuses acted up. Then the machines were not at all friendly and many were twenty-five cents to $10; ridiculous. We played two bucks each and left.
Dining: We ate in the Indigo the first night on board, the food was alright but the waiter seemed preoccupied constantly surveying the room like he was waiting for someone. Next night we tried Summer Palace, very opulent in design and we were sat facing the aft but it was too dark to see the water. It took so long to be served, even water, but we were patient. Then we noticed surrounding tables eating their main course when we did and they came in long after we had been sitting there. The food was nothing unusual seemed pre-plated so what was the hold up? The noise was unbelievable; much was the staff with dishes. We did have a singing with twirling of napkins which was fun. The next night we tried the Indigo again. Our waitress was very nice and smiling but again we waited forever to get served our meal by various people while our waitress was now handling a table of eight or more people. We had ordered dessert but gave up and walked out. What a nightmare! The whole evening for three nights spent trying to get a meal. We opted for dinner in our room the rest of the cruise.
One show we did manage to go to was basically the Cruise Director giving a talk about the cruise and introducing the shows...waste of time. Again the cool thing with NCL is the suites get special seating in the balcony to the left of the theater. Not the best seats in the house but if you're late you don't have to stand in line.
We loved the promenade deck for walking only with a textured surface except where the shuffleboard was and it was nice to see people still playing the sport. Down side was again the smoking. One man had a cigar and smoked for a good twenty minutes but what can you do?
In Cozumel they do this welcoming line and we really enjoyed dancing our way onto the ship. Next door to us at the pier was the NCL Star and they were in competition with us and they ended up making their own welcoming line too.
Cozumel, Mexico: The Dolphin Swim 8011 was pretty cool. They have you wear a small life vest and you just need to be able to get to the middle of this pool to do the one trick but nothing scary. If you can't swim to that point they can set you up to do another trick on the little platform we all waited on instead, water is waist high. I loved this; only down side is the photos are only their photos and they charge a very, very high price. They don't say one price for the package, they make you pick the photos, more photos cost more, and video is separate also. Take cash or a credit card it is over $100 for both. Some folks brought family to film them but observers are only allowed on this overlook and they had us facing away from that platform while performing the tricks like being kissed or kissing the dolphin, giving it a hug, or holding onto the fins and being pulled along, so the observers could not take the photos. You also can rent a locker $3, no jewelry and if you can't get your ring off they tape over it on your finger. You can't wear any type of shoes in the pool but up to the pool you can. Bring a towel. There is a changing room and when the Taxi drops you off on the main street afterwards you can go directly to the shops, but the shops are very overpriced, postcards are $1.50 each instead of 30 cents some will haggle but not too much.
Georgetown, Cayman Islands: We did the Stingray swim. Wow, this is awesome. We first went to Hell, yes that is a place. It is basically a couple of buildings and an official post office around this sort of rocky looking lava rock pit that they call Hell. You can get your passport stamped here officially, which I wished we had known. They also have a couple of small shops nothing much, and a cute little boy with an iguana, for $1 he will let you pose with it, hubby helped out this little entrepreneur. Then to the rum cake shop and they sell these good dough meat-filled pastries called "pasties" on the left side of the shop inside, go early if you want chicken they sell out. Then the next stop is the stingray swim. You have to take everything with you on to the crowded boat from the bus so be cautioned and don't forget to bring your towel. You cannot wear any type of shoe not even aqua shoes because of the baby stingrays. Do NOT shuffle your feet like the guide on the bus tells you or you will cut your feet on conch shells, walk normal. The water was up to my chin in some places and I am 5'4" and if there was a swell it hit me in the face. They offer life vests if you cannot swim. We are told to make a circle and the guide holds this huge stingray so you can touch her or pose with her. I could not make it to the circle the swells kept knocking me backwards and I found myself surrounded by four huge stingrays. Don't keep freaking out like me just stay still if you can. You are given squid to feed them and instructions to keep from getting your thumb sucked on. We were in there a good amount of time and then he sounded the horn for all to return to the boat. We motored back to the original location about twenty minutes and then back on the buses. The ride to the ship is very short and if you take the 11: 20 a.m. tour you have very little shopping time so I recommend the earliest one. Last tender leaves at 3:15 p.m.
Ocho, Rios, Jamaica
We did the Bobsled Run. You are picked up at the pier and taken by air conditioned van a short distance, then dropped off at the ski lift which carried you up the mountain. I was quite scared due to the winds blowing us and we were above the tall trees. Once at the top there are bathrooms, eatery, small shops selling paintings, wood carvings and jewelery. There is a line for the bobsled but in no time you board your own car which can be attached to another which makes it go faster, with the front one controlling the speed using the brake. Hubby was in charge of this and let her rip causing me to scream all the way down the hill. The guys up top will take your photo with your camera before going if you ask and they also take one mid ride and sell for I think it was less than twenty dollars. If you do the zipline also they sell tshirts saying you survived all their rides. If we go to this port again I have been told we are doing this again including the zipline...oh boy can't wait (sarcasm) ha.
Great Stirrup Cay (GSC)-the island owned by NCL was fantastic! At first I thought we would stay for an hour or so and go back to the ship. I am not a sandy seaweed kinda person; give me a nice clean pool any day. Well we were on the second tender and Wow! It is sooo pretty on the island! We got a couple of chairs up front no problem under some palms. We left our gear on our chairs once we had a couple of neighbors and saying hi, we took our new casing for our camera making it waterproof now to check it out. Needless to say it was pretty rough but so much fun. I got knocked around a good bit laughing so hard from the waves. Camera worked great and hubby did some snorkeling nearby the rocks and saw a few fish photographing them. I actually did not want to go back to the ship. We had a chicken sandwich, pizza, and some salad; there were the regular barby fair and great desserts. There were a couple of small shops that require you take cash if you want to buy something your ship card does not work for them. There are bathrooms of course but no showers except as you enter the tender they have small foot showers to clean off your feet. Wear shoes because aqua shoes didn't really work if vented, sand filled them up so sandals or flip-flops might be better because there are rocks and bottle caps on the ground. Don't forget your towel.
The regular pool area on the ship, other than the very first couple of hours, is so crowded with sunbathers you can barely get thru to the other side. Hubby tried the slide the first day and could barely get down it. No it wasn't his size; we saw a child was having the same problem later.
The staff was very nice when it came to the M&G that Kathy set up, thanks Kathy. This was my second and not even half the people showed up who signed up. I don't think I will be attending anymore M&Gs due to the reaction of one member who made a negative comment when I thanked the staff for how they treated the suite guests. I am not ashamed of being in a suite, and I want to make sure that the NCL staff knows that I appreciate how they accommodate us. Also the meeting was commandeered by two women with complaints that did not need to be made; complaining about bottle caps on the ground in GSC, come on just wear shoes.
We have already signed up for another cruise with the Pearl going to Alaska but staying in another suite that does not have the awning interfering with our view of the water below.


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|Trimester 2: Warrnambool
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3 hours of class per week (week 1-6), 1 hour class per week (week 7-11), 2 day intensive seminar per trimester and a 1 day field trip.
You will need to access substantial learning resources and experiences in CloudDeakin (Deakin's online learning environment). Compliance with the Standards in computing, connectivity and student capability are a condition on your enrolment.
The intent of the unit is to provide a broad overview of domestic and global fisheries, fishing methods and varying tools for sustainable ecosystem based fisheries management. The unit will explore the science, policy and economics underlying management activities and the stakeholders involved. The unit includes a seminar with professional fisheries managers and a site visit with fisheries industry representatives. The program prepares students to understand the complexities associated with stakeholder engagement and handling the multifaceted issues that come with managing recreational and commercial fisheries and their associated habitats.
Topics to be addressed include:
- Introduction to fisheries management
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Case study (approximately 3000 words) 50%, topic reports (3 x 5%) 15%, final test 35%
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Routes Sorted
L to R R to L Alpha
Marshfield Ledge is a large 3-pitch granite cliff reminiscent of Whitehorse Ledge in NH. The established routes range from traditional to sport. Many of the routes are slab, friction affairs, but recently some hard overhanging sport routes have been put in. The rock quality is great. Most of the routes have bolt anchors. This cliff has been a secret for years and is now starting to see consistent traffic. The views are splendid and look out over very undeveloped, wild green mountains.
Getting There
The cliff is located in the town of Marshfield and is on Vermont State Forest property. From Rt 302 take 232 north. From Rt. 2 take 232 south. Turn east off 232 just north of the Kettle Pond parking lot. Follow this dirt road for 2 miles until views of the cliff appear to the north. Park by a logging road that heads toward the cliff. Hike the logging road for about 10 minutes until you turn right on to the climbers trail, which is just before a large boulder. Take this climbers trail all the way to the base of the cliff.
10 Total Routes
The Classics
Browse More Classics in Marshfield Ledge
Mountain Project's determination of some of the classic, most popular, highest rated routes for Marshfield Ledge:
Just for Goobs 5.7+ 5a 15 V+ 13 MVS 4b PG13 Trad, 3 pitches, 300'
Black Streak 5.9 5c 17 VI 17 HVS 5a PG13 Sport, 1 pitch, 90'
Featured Route For Marshfield Ledge
Groton High Grade 5.13 8a 29 X- 30 E7 6c VT : Marshfield Ledge
Peter says this is the best sport pitch in Vermont. If it wasn't so freaking hard I would agree. The route starts on good crimps at the base of a large, overhanging wall. The crimps get worse and climb sustained 5.12 to a 5.13 boulder move than 5.11 to the chains. Great endurance climbing on overhanging granite, a rarity in Vermont. ...[more] Browse More Classics in VT
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Munch, munch, munch! This nonscientific tale depicts a tyrannosaurus eating a multitude of objects, including each letter of the alphabet. This clever theme for an ABC book will delight beginning readers as they identify the many objects on each page whose names begin with the featured letter.Read More
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MILWAUKEE — Day after day, Raghuvinder and Jaspreet Singh hovered by their nearly comatose father and repeated a single word — a word he had probably spoken more than any other in his lifetime: ''Waheguru.''
The Punjabi word is a term Sikhs use to refer to God. Roughly translated, it describes the wondrous expression of God's presence. For 65-year-old Punjab Singh, an internationally known Sikh priest who hasn't spoken and barely has moved since a white supremacist shot him in the head last summer, the word meant everything.


text:
Obamacare has been around for just three days, and scam artists are already trying to get your money.
The Federal Trade Commission says the scam works like this: People are getting calls saying they are eligible for a "free Affordable Care Act card," and the caller will ask you to send personal information to get the card.
There is no such thing as an Affordable Care Act card. Scammers are trying to confuse you to get your cash, taking advantage of people who aren't sure how the Affordable Care Act works.
No one is going to contact you about Obamacare. It is something for which you sign up.
The best thing to do in this situation is to hang up immediately.
Copyright 2013 WSMV (Meredith Corporation). All rights reserved.
The following are mugshots of individuals arrested in May by local authorities in Northeast Tennessee.


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DVDs:Animals and Nature:Animals and Wildlife:How Big Can It Get DVD-R
As seen on Nat Geo WILD.
A snarling 200 pound Komodo dragon. Pythons large enough to swallow an adult whole. Crocodiles that reach a staggering 25 feet in length. If all that isn't enough, under the right conditions, they may be poised to get even bigger. Much bigger.
Episodes include Croczilla, Snakezilla, and Dragonzilla.
Not available for shipment outside the U.S.
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Customers who purchase programs in the NG DVD-R Library will receive a non-interactive, play only disc. There is no chaptering information on these DVDs, but there are chapter marks approximately every five minutes, which make it easy to fast forward through a program. The DVD-R format provides the digital video and audio quality you expect from all of our DVDs.
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Nude Audio Move M - Portable Bluetooth Speaker Grey/Mint
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The Move M Bluetooth speaker has a larger ported acoustic chamber than its Move S wireless cousin; so naturally, the sound is heftier, too.
Not to get too technical on you, but the bass-to-size ratio is going to give you the biggest bang for your buck when playing music, video, games or apps out loud, via Bluetooth. Just about the size and weight of an average wallet, this really is the go-anywhere, do-anything speaker with audio chops to match. Stream audio to this speaker from any Bluetooth-enabled device, for 8 hours of non-stop entertainment for your ears.
Easy setup
You need to pair your device only once with the Move M, and it takes just a few seconds. The Move M Bluetooth speaker will remember up to 8 devices and reconnect with the touch of a button.
A high-fidelity dual-microphone system also turns this Bluetooth speaker into a portable speakerphone for hands-free calling and conference calls straight from your smartphone. And if you keep in touch via Skype™ or FaceTime™ or other video chat services, you can use it to video call too.
Long-lasting rechargeable battery – The built-in high performance Lithium-ion battery can be charged from any USB source and will retain up to 50% of its charge for 3 months. The LED light and notification sounds will also alert you when the speaker is running out of power.
Designed to move - A thick, protective silicon sleeve is smooth to the touch, making these Bluetooth speakers feel at home in your hand while also defending against knocks or bumps. A nylon carrying cord makes the Bluetooth speaker both portable and versatile — hang it, clip it, toss it, lean it or lay it flat.


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Lions fans will be able to Tweet, text and call during games this year thanks to free wireless Internet at Ford Field.Newspaper reports say Verizon plans to offer free Wi-Fi to fans this fall. They plan to demonstrate the technology Tuesday.Ford Field will be the first major stadium in Michigan, and the ninth in the NFL, to offer free Wi-Fi.Comerica Park and the Palace of Auburn Hills hope to make the service available for fans by the end of the year.
KTTV FOX 111999 S. Bundy Dr.Los Angeles CA 90025Main: (310) 584-2000News Tips? (310) 584-2025


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I'm interested in fashion and architecture and I want to make a thesis of architecture project and fashion design.
Is the fashion product a space?
Is it possible to project fashion from the project of spaces or together like one single entity?
I'm still brain-storming....come and make your brain run with mine!


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The following foods may be dangerous to your pet:
Sources: ASPCA Animal Poison Control Center, The Toronto Humane Society, and St. John's Poison Resource Center
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Dear Paul,
Can you explain what exact stock market "entry target" Foxhall Capital uses to get back into the stock market? How far away from that target are we and when do you think Foxhall will be back on "offense" and investing in the stock market again?
Your question could not have come at a better time. Let me pull back the curtain and show you how Foxhall's proprietary Trend Recognition Technology© (TRT) works. After the stock market closed on Tuesday, May 19, 2009, the Pacific Rim And Emerging Markets Index hit our exclusive Foxhall TRT indicator for that index.
This means that Foxhall Capital has now formally moved from a defensive strategy to an offensive strategy in all of our portfolios that hold Pacific Rim And Emerging Markets investments. Please see Graph #1 which shows the Pacific Rim And Emerging Markets index triggering a new long-term bull market on May 19, 2009 in Asia and emerging markets. As you can see from the chart below, the green target indicator for the index was 36.80 and on Tuesday, May 19th, the index closed above the target at 38.42.
Graph #1
Pacific Rim & Emerging Markets Index
Source: Foxhall Trend Recognition Technology©
This is good news for the global economy. If you remember in my past Global Outlook newsletters, I said I believed that Asian and Emerging Markets would come back first, followed by Global Hard Assets and after they came back, the U.S. stock market would start a new long-term bull market.
This is what I wrote in the September 16, 2008 Global Outlook:
"Historically, hard asset commodities have seen an upswing in prices within 6 months after sharp stock market declines. Hard asset commodities, especially gold, have traditionally been a "safe haven" for investors when stock markets rapidly decline.
I also believe that we may see an upswing in Asian and emerging markets within the next six months. Asian markets were overvalued going into the beginning of this year and most of these stock markets have corrected down 40% to 50% since January.
They have probably over-corrected too far down. Asian markets are the only markets in the world, other than Brazil, that are still growing and growing strongly."
"If hard asset commodities and Asian and emerging markets start to take off over the next six months there could be substantial gains for investors. Foxhall Capital watches these markets closely and when they start to go up we will begin investing again in these markets."
It took about eight months, rather than six months, to hit our Foxhall Target, but Foxhall is now implementing our offensive strategy in Pacific Rim And Emerging Markets investments.
On Wednesday, May 20, 2009, the day after The Pacific Rim And Emerging Market hit its "entry target," the EAFE Index that represents non-United States developed markets including Europe, Japan and other Asian developed markets did the same!
As you can see from Graph #2 below, the green target indicator for the index was 45.95 and on Wednesday, May 20th, the index closed above the target at 46.13. As of Thursday May 21st, Foxhall Capital has now formally moved from a defensive strategy to an offensive strategy in all of our portfolios that hold non U.S. developed markets investments.
Graph #2
EAFE Index-Non-U.S. Developed Markets
Source: Foxhall Trend Recognition Technology©
Foxhall Trend Recognition Technology©
Here is how the proprietary Foxhall Trend Recognition Technology© works.
I have often told the story about a man who used to work on my Virginia horse farm. Everyday he would come to work wearing both a thick leather belt around his waist and a pair of suspenders. I always thought this was a bit odd and eccentric, but then I thought, if your goal is not to have your pants fall down, this was a perfectly sensible form of risk management.
At Foxhall Capital, we now have our own form of a "belt and suspenders" approach to risk management.
The proprietary Foxhall Trend Recognition Technology© has two very different, but complimentary investment trend recognition strategies that we use to exit the stock market when it is entering a long-term bear market/recession and another methodology to identify new long-term bull markets after a severe bear market.
Both of these long-term trend recognition strategies were developed by Foxhall Capital based on the findings of a number of major academic studies. Over decades, these two long-term investment trend recognition strategies have consistently identified long- term bear markets within several months after the peak in the previous bull market. They have also consistently identified long-term bull markets within several months after a bear market bottom.
One of the trend recognition strategies has a slightly better record in more quickly identifying when to get out of the stock market when it is entering a long-term bear market. The other strategy has a slightly better record of identifying when to get back into a long-term bull market after a bear market/recession.
Foxhall Trend Recognition Technology© Strategy # 1
Our first strategy is based on very long average price trends in each of our major stock market strategies which include (1) the U.S. stock market, (2) Pacific Rim and emerging stock markets, (3) non-U.S. developed stock markets and (4) global hard asset commodity markets like gold and oil.
See Graph #3 and you will see the Foxhall Trend Recognition Technology© strategy#1 overlaid on the S&P 500 Index which is what Foxhall uses to determine whether Foxhall is implementing a long-term offensive bull market strategy or a long-term defensive bear market strategy.
You can see the buy (offensive indicator) and the sell (defensive indicator) going back to 1984. There is nothing subjective about this indicator. It is a pure mathematical calculation of long-term average prices of a particular index. On the day that the long-term average price trend reverses down, the strategy triggers a sell (defensive) signal and when the same long-term average price trend reverses up, the strategy triggers a buy (offensive) signal.
You can see in Graph #3 that this Foxhall Strategy #1 has consistently triggered a buy or sell signal within a few months of a bear market or bull market reverse in its long-term trend.
Graph #3
S&P 500 Index-Strategy #1
Source: Foxhall Trend Recognition Technology©
Foxhall Trend Recognition Technology © Strategy #2
Our second strategy is based on identifying key long-term highs in a particular stock market index and key long-term lows in that same stock market index. These form a channel of resistance levels that, when breached, have a consistently good record of identifying long-term bull and bear market reversals trends.
Again, Foxhall applies these proprietary mathematical formulas to create channel resistance levels to all of our major stock market strategies including (1) the U.S. stock market, (2) Pacific Rim and emerging stock markets, (3) non-U.S. developed stock markets and (4) global hard asset commodity markets like gold and oil.
See Graph #4 below and you will see the Foxhall Trend Recognition Technology© Strategy #2 overlaid on the S&P 500 Index which is the second method Foxhall uses to determine whether Foxhall is implementing a long-term offensive bull market strategy or a long-term defensive bear market strategy.
Graph #4
S&P 500 Index-Strategy #2
Source: Foxhall Trend Recognition Technology©
In Graph #5, you can see a closer view of the S&P 500 Index channel graph. This graph shows that the S&P 500 Index has not breached the green upper channel and therefore has not hit our Foxhall Trend Recognition Technology© indicator that would identify a new bull market in the United States. On Wednesday May 20th, the S&P 500 Index closed at 903.47. However, the S&P 500 Index would have had to close above 934.70 (the green channel target indicator) in order for Foxhall Capital to formally move from its current defensive strategy to an offensive strategy and declare that the U.S. stock market had begun a new long-term bull market.
Until this green channel indicator is breached, Foxhall Capital will continue its current defensive strategy.
Graph #5
S&P 500 Index-Strategy #2
Source: Foxhall Trend Recognition Technology©
When Will The Next Bull Market Start?
I don't know the answer to that question and anyone who says they know for sure is lying. I simply don't have a "crystal ball" and no one can predict the future with absolute certainty.
But Foxhall has almost 60 years of statistical and applied evidence that the Foxhall Trend Recognition Technology© has consistently been able to identify both bull and bear markets within three or four months after a stock market peak or bottom.
At Foxhall, we never invest because everyone else is doing it or because clients are anxious to get back into the stock market since they think the new bull market has started and they don't want to miss the upswing.
I remember when we notified clients on January 10th of 2008 that the stock market was entering a long-term bear market/recession. A lot of people thought we were wrong. The majority of analysts on CNBC were telling people this was only a small stock market correction and the economy would be recovering by the early summer of 2008. We all know that didn't happen.
That is why Foxhall relies on its successful indicators to recognize a long-term change in the stock market and not some "talking head" on the TV. At Foxhall, we have a discipline and a process that has consistently worked and we apply that process with a patient discipline that never varies. We will continue to apply the Foxhall process and our proprietary Foxhall Trend Recognition Technology© the indicators trigger a different direction in the U.S. stock market.
When Do You Think Foxhall Will Move Fully Back Into The Stock Market?
Again, I do not have a crystal ball, but if the Foxhall indicator for the S&P 500 Index in Graph #5 moves above the green channel line, we will begin moving back into the U.S. Stock market within 24 hours.
Although this could technically happen any day now, as you can also see in Graph #5 the stock market often moves close to the green line and then retreats back down again. This is the nature of long-term resistance levels.
Unfortunately, The U.S. Economy Is Still Declining
We should not forget that in the long run, the stock market basically tracks the underlying economy and, at the moment, there is very little good news. It is true that our economic decline has moderated and we are no longer in a "free-fall," but make no mistake about it, we are still in a declining economy with 500,000 to 600,000 Americans losing their jobs every month.
Even if we "moderate" this unemployment decline to 300,000 to 400,000 layoffs a month, the economy will still continue to decline. Individuals will still have less money to spend and home foreclosures will continue to increase in the face of more unemployment.
Another note of caution is that the stock market is entering the dreaded May-to-November months, which are historically the stock market's worst months every year.
If you asked me if I thought it was more likely the S&P 500 Index would break through the Foxhall green channel line target and begin a new bull market over the next month, or retreat to new lows, I would be inclined toward the latter. I have a strong feeling the recent run-up in the stock market is a classic bear in market rally which is usually followed by a steep decline.
Many people finally got out of the stock market after losing a large percentage of their retirement investments. Now they are streaming back into the stock market—not because there is any good economic news—but because the market is going up. Bear market rallies are what teenagers call a "head fakes." Unfortunately, many adults will lose a lot more of their investments if the market turns sharply down during the summer.
Again, my predictions that this is a bear market rally and the stock market will decline throughout this summer and early fall may be wrong, and if I am wrong and the U.S. stock market moves above the Foxhall green channel line target, we will begin moving back into the stock market within 24 hours.
The Bottom Line
Over the past year and a half we have all lived through the worst recession since the Great Depression. The declines in the U.S. economy may now be slowing but it is still continuing to decline. It seems to me that this is not a great time to be gambling with your retirement investments. This is a time for caution—not a time for gambling just because everyone else is doing it.
Please be assured that when Foxhall Capital goes back into the stock market, it is only because our Foxhall Trend Recognition Technology© discipline and process, with almost 60 years of statistical and applied experience, tells us that the long-term bear/market recession trend has ended and a new bull market has begun. This may happen soon or it may not happen until next year. But whenever those indicators trigger, Foxhall will re-enter the stock market and institute a new offensive investment strategy.
The bottom line to any investment management system is how it works going forward in both bull and bear markets. That's what we call theFoxhall difference. In the last 24 months through March 31, 2009, the S&P 500 Index has declined -41.78% and if you were invested in Foxhall's Global Growth ETF Strategy, Foxhall's Trend Recognition Technology© allowed your investment portfolio to only decline approximately -1.58% in the same period, and Foxhall was able to accomplish this over the trailing 3 years with 78% less risk than being invested in an S&P 500 Index fund. (Source: www.foxhallcapital.com. The Foxhall Global ETF Series Growth Strategy performance sheet.)
This is the real value of Foxhall's active investment management! This is the value of having Foxhall Capital watching your investments—protecting your investments — every day.
The Difference Between A Customer And A Client
According to Merriam‐Webster's Dictionary, the definition of a "customer" is "one that purchases a commodity or service." The definition of a "client" is "one that is under the protection of another."
According to theWall Street Journal, the average investor lost over 1/3 of their investments in 2008. Today, most Americans feel like customers at their investment firm, not like clients.
Foxhall knows the difference! Our Foxhall Trend Recognition Technology© protected our clients at a time when they needed it most. Now, that same Foxhall Trend Recognition Technology© will help them navigate into the next opportunity for growth.
That's active investment management. That's Foxhall Capital. That's the Foxhall difference!
Until Next Time…
—Paul Dietrich


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District of Louisiana Real Property Cases
Cases filed
Cases 1 - 10 of 1,631
REED et al v. INTERNATIONAL PAPER COMPANY et al
as 2:2014cv02598
Plaintiff: ALVIN P REED, BETTY REED, ALLEN JAMES ANDERSON and others
Defendant: INTERNATIONAL PAPER COMPANY , STATE OF LOUISIANA DEPARTMENT OF ENVIRONMENTAL QUALITY
Cause Of Action: Diversity-Petition for Removal
Ashley et al v. Devon Energy Corporation et al
as 3:2014cv00512
Plaintiff: Kenneth Ashley, Gerald Paul Belanger, Jr., Equipment, Inc.
Defendant: Devon Energy Corporation, Devon Energy Production Company, L.P.
Cause Of Action: Diversity-Torts to Land
Black v. Scallion et al
as 1:2014cv02466
Plaintiff: Richard W Black
Defendant: Shannon Scallion, Mark Rowe, Tanya Scallion-Rowe and others
Cause Of Action: Fed. Question: Tort Action
Texas Timberjack Inc v. P P G Industries Inc et al
as 2:2014cv02458
Defendant: Georgia Gulf Corp , Axiall L L C , Axiall Corp and others
Plaintiff: Texas Timberjack Inc
Cause Of Action: Diversity-Property Damage
Beavers v. Citimortgage, Inc. et al
as 2:2014cv01806
Plaintiff: Marta Beavers
Defendant: Citimortgage, Inc., Mortgage Electronic Registration Systems, Inc., Federal National Mortgage Association, Inc. and others
Cause Of Action: Truth in Lending
Type: Real Property > Real Property: Other
Jones v. First Bank and Trust
as 2:2014cv01808
Defendant: First Bank and Trust
Plaintiff: Lisa Williams Jones
Cause Of Action: Diversity-Declaratory Judgement
Fruge v. Burlington Resources Oil & Gas Co L P, et al
as 2:2014cv02382
Defendant: B P America Production Co, Honeywell International Inc , Union Texas International Corp and others
Plaintiff: Norman Fruge
Cause Of Action: Diversity-Property Damage
SA Affordable Housing, LLC et al v. McCalman, LLC, et al
as 2:2014cv01709
Defendant: Mississippi Land Co., Inc., McCalman, LLC, Rodney J. Strain, Jr.
Plaintiff: Grand Savannah SAHP Corporation , SA Affordable Housing, LLC
Cause Of Action: Diversity-Other Contract
Type: Real Property > Real Property: Other
S, Z, & S, L.L.C. v. Lloyds of London et al
as 2:2014cv01625
Defendant: United States of America, Hill Brothers Construction Company, Inc, Lloyds of London and others
Plaintiff: S, Z, & S, L.L.C.
Cause Of Action: Cause Code Unknown
Type: Real Property > All Other Real Property
Saline Lakeshore L L C v. Parawon Corp et al
as 1:2014cv02202
Defendant: Shery Monroe Broadhead , Paul Broadhead, Parawon Corp
Plaintiff: Saline Lakeshore L L C
Cause Of Action: Diversity-Torts to Land
© 2007-2014 Justia :: Company :: Terms of Service :: Privacy Policy :: Contact Us


text:
The Thomas County Board of Commissioners voted unanimously Tuesday morning to purchase three new fire trucks at $250,000 each.
They also voted unanimously to purchase four more trucks, at a price to be negotiated later.
The board says these purchases are necessary to meet ISO standards. The first three will be here in 45 days. It will take about eight months to build the next four.
A hired fire consultant said the county needed to purchase seven new fire trucks to maintain its current fire safety rating from the Insurance Services Office.
"They weren't being recognized anymore by the ISO and number two is our repairs are out of the roof trying to maintain those older trucks," said Emergency Service Chair Moses Gross.
The first three trucks should be on the roads in 45 days.
If that rating slips, insurance companies will charge people more for their homeowners' policies.
Copyright 2012 WALB. All rights reserved.
P.O. Box 3130
Albany, GA 31706
(229) 446-1010
FCC Public File
(229) 446-4005
EEO Report
Closed Captioning


text:
High Country News December 20, 2004
Conscientious Objectors
Under increasing political pressure from the Bush administration and its appointees, agency scientists find it difficult to keep both their jobs and their integrity
Editor's Note
Buy them some body armor
Like their military compatriots in Iraq, the American civil servants charged with managing our public lands, water and wildlife lack adequate funding, back-up, or the moral support of their higher-ups
Uncommon Westerners
Protecting the people's right of way: Public-access advocate Bill Calvert
When a gravel company locked a gate on a road into California's Yuba Goldfields, a 70-year-old retired salesman named Bill Calvert suddenly became a citizen activist, and fought for public access to public lands
Go West, Democrats, in the path of Harry Reid
New Senate minority leader Harry Reid, D-Nev., brings to Capitol Hill the lessons learned from a hardscrabble Nevada childhood
An artist's residency, unplugged
A writer spends time in a primitive cabin in the Colorado mountains, and discovers the wonder of silence and darkness
Dear Friends
Dear friends
Skipped issue; High Country News open house; Boulder board meeting and potluck; corrections and clarifications
Riding high on political inappropriations
The omnibus appropriations bill just passed by Congress contained more than a few anti-environmental riders, but not all of them survived for the president's pen to sign
Judge puts stay on initiative to keep more nuclear waste from coming to Hanford Nuclear Reservation; Phoenix Mine expansion approved in Nevada; Western governors discuss reforming Endangered Species Act
The road to nowhere
Utah's attempt to take over backcountry roads begins to unravel, largely because of problems stirred up by the attempt to claim the remote Weiss Highway in Juab County as an R.S. 2477 road
Rulings keep the West open for business
Recent decisions not to list as endangered the white-tailed and black-tailed prairie dogs and the greater sage grouse open the door to increased energy exploration and development in the West
City slaps back at property-rights measure
In response to Oregon's recently passed Measure 37, Bend, Ore., adopts a rule that allows people to sue their neighbors if nearby development reduces property values
The little bill that... can't
Despite nearly unanimous support for designating the Ojito Wilderness Area, New Mexico Sen. Pete Domenici, R, is stalling over reserved water rights and – according to critics – trying to undermine the Wilderness Act
Lawsuits swarm around Yellowstone snowmobiles
As soon as the National Park Service announced its new snowmobile rules – which slightly reduce the number of vehicles allowed in Yellowstone and Grand Teton – lawsuits began flying from both sides of the political divide
Anasazi outpost dodges the drill
Hovenweep National Monument in remote southeastern Utah narrowly escapes an attempt to lease nearby land for oil and gas drilling
Book Reviews
Moab uranium tailings: should they stay or should they go?
The Energy Department is calling for public comment on its plans to clean up a 130-acre pile of uranium tailings and contaminated soils just upstream from Moab, Utah, on the Colorado River
Crimes against workers
The Cyanide Canary by Joseph Hilldorfer and Robert Dugoni tells a chilling tale of an environmental crime in Idaho that ruined a worker's life
Heard Around the West
Heard around the West
Pork and mariachi; Victoria's Secret vs. trees; Zach Mann vs. Starbucks; poaching preachers; elk poachers get popped; crimes solved in Jackson, Wyo.
Oregonians didn't know what they were voting for
Oregon votes for fairness
Take back the wilderness movement
'Paying for wilderness' undermines environmental goals
Related Stories
Nevada BLM cleans out cleanup project manager
Earle Dixon says the Bureau of Land Management fired him because he tried to enforce environmental and public safety laws in the course of the Yerington Mine cleanup in Nevada
Fisheries agency rewards a loyal bureaucrat
Environmentalists and some of his own biologists say James Lecky sold out the endangered fish he was charged with protecting, but NOAA Fisheries has just given him a promotion


text:
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Skullcandy Hesh 2 Black HeadphonesItem #: 247488 |Model #: S6HSDZ-161+ More details
The new Hesh 2 has arrived as an innovative upgrade from its iconic predecessor, proving that even the rebellious evolve. Designed to be the sleek and simplified version, Hesh 2 features conical over-ear cans that drive an even more powerful sound.
Skullcandy 3-Pack Ink'd Earbuds with MicrophoneItem #: 121166 |Model #: SGIKGZ-169+ More details
- 3 Earbuds in one package - black, blue, and black/red earbuds included
- Two sizes of silicone gels included for a perfect fit
True Fidelity Infrared Wireless HeadphonesItem #: 498228 |Model #: IR210TT+ More details
- Patented LINX Audio® Technology
- Patented auto ON/OFF feature controlled by ear cups
- For use with TV, home theater systems, and in-vehicle A/V systems
- Up to a 10 meter range
*$79.88 after $20 Tech Savings* 808 DUO Wireless and Wired Bluetooth HeadphonesItem #: 613345 |Model #: 808 DUO+ More details
Original Price: $99.88
- Listen wirelessly or wired
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- Matte Black
Savings: $20
Offer valid 8/23/2014 through 9/30/2014 while supplies lasts.
Free standard shipping on standard orders.
Able Planet Musicians' Choice Sound Isolation Earphones - Various ColorsItem #: 103074 |Model #: SI170BL+ More details
- Patented LINX AUDIO® technology
- In-wire controls for easy adjustment
- Adjust music and answer phone calls with mic controls
- Sound isolation ear-tips
- Braided tangle free cord
The Bose® Mobile In-Ear HeadsetItem #: 172261 |Model #: 361977-0020+ More details
Free standard shipping for online orders.
Control select iPod, iPad and iPhone models. Enjoy Bose sound.
Margaritaville Audio MIX1 High Fidelity Headphones By MTX - Various ColorsItem #: 619774 |Model #: 715442190218+ More details
Large, super sealed and comfortable foam ear cups provide exceptional sound isolation, bass depth, and sound quality.
Jabra Extreme2 Bluetooth(r) HeadsetItem #: 112791 |Model #: JABEXTREME2+ More details
- Dual microphone technology for exceptional call quality
- Pairs with 2 Bluetooth™-enabled devices
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- Stream music, podcasts or GPS directions
- Up to 5.5 hours talk time and up to 10.5 days standby time
Denon Exercise Freak Wireless Bluetooth Headphones - PinkItem #: 59393 |Model #: AHW150PK+ More details
Great sound and phone call performance from a compact sport wireless bluetooth headphone
Margaritaville Audio MIX1 High Fidelity Earbuds By MTX - Various ColorsItem #: 619823 |Model #: 715442190270+ More details
Quad Speaker Design – Dual drive configuration in each headphone, 5mm high frequency driver and 8mm low frequency driver deliver exceptional sound quality.
Able Planet SH180 Stereo Headphones - Various ColorsItem #: 103060 |Model #: SH180BLM+ More details
- Premium stereo speakers
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Parrot Minikit Neo Bluetooth Hands-free KitItem #: 126747 |Model #: PAIPF410008AA+ More details
- Make and receive calls without touching any buttons
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- 10 hours of talking time; 6 month sleep mode
High Quality Sound with Speakers & Headphones
Sure you can listen to your music through your old, beat up speakers. Headphones can probably be found all over your house if you don't mind listening to crackling or only hearing in one ear. But why put yourself through all that when you can probably easily afford a great new set of speakers or headphones from Sam's Club. We've got wireless headphones that work with your docked iPod, as well as complete music systems where you just plug in your iPod and get theater quality sound pumping through speakers specially designed for maximum acoustic benefit. And if you appreciate good acoustics, you may be interested in our acoustic panels which look stylish and enhance the quality of audio in any room. Actually hear the lyrics to your favorite songs. Watch movies without having to constantly rewind to hear what someone said, or having to push the volume so high that the sound effects are harsh on your ears, just so you can make out the dialogue.
Then of course, there are headphones. There are so many different options today, and different headphones are right for different listeners. That's why Sam's Club offers a wide range of headphones: Bluetooth enabled, wireless, ear buds, noise cancelling and a lot more.
Enjoy your music the way it's supposed to be enjoyed. Find speakers and headphones from Sam's Club today.


text:
Debido a la disponibilidad de productos para cada país, es posible que la selección de este sitio no sea la misma que la del sitio en el que se encontraba anteriormente.Confirmar Cancelar
Este brazalete ancho martillado de plata de ley posee un delicado atractivo y es sólido al tacto, ideal para utilizar durante el día o la noche.
We celebrated Xmas early,so my daughter received her bracelet today. She thought the bracelet was too small at first, till she put it on. She was afraid it would scratch her , but the smooth edges did not do that.
Anonymous, Milpitas, CA – December 2013
It's a nice looking bracelet, but it's too thin and small for the price. I don't feel I got a very good value for the money spent.
Anonymous, Issaquah, WA – December 2013
looks great and my wife loves it. I had not ever bought her something like this. Casual but nice and looks great on her tan wrist.....
Anonymous, Humble, TX – August 2013


text:
Lo Duca no longer option for Jays
Former Mets backstop reaches one-year deal with Nationals
TORONTO -- The Blue Jays' pitch wasn't enough to land Paul Lo Duca. On Monday, the free-agent catcher agreed to terms on a one-year contract with the Washington Nationals, according to a baseball official.
The deal, which isn't expected to be announced until after Lo Duca passes a physical, comes after Toronto approached the catcher with a similar one-year offer during the Winter Meetings in Nasvhille, Tenn., last week. The Jays' offer was reportedly worth $3 million.
With the Jays, Lo Duca would've entered into a split role with Gregg Zaun, who signed a two-year deal to be Toronto's everday catcher last offseason. Lo Duca projects to be the everyday catcher for Washington, which also wanted to find a veteran to help in backup Jesus Flores' development.
Toronto didn't want to offer a two-year contract to the 34-year-old Lo Duca, who hit .272 with nine home runs and 54 RBIs last season for the Mets, because the Jays have young catchers Robinzon Diaz and Curtis Thigpen close to being big league ready. Now, the Jays will continue their search for a one-year solution for the backup catcher role.
One possibility continues to be veteran Sal Fasano, who split time between Toronto and Triple-A Syracuse last season. Blue Jays general manager J.P. Ricciardi has discussed the possibility of re-signing Fasano, which would bide time until Diaz is hopefully ready for a call to the Jays in June or July.
Jordan Bastian is a reporter for MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.


text:
More From off-road pickups
VIDEO: Supercharged VelociRaptor pickup smokes Ford SVT...
Posted by Wayne Grayson on Sep 20, 2013
Ford's SVT Raptor has quickly turned into one of its more popular vehicles. The combination of its phenomenal styling and ...
Do you want some tips to stay safe on the job site?
Equipment World has created an entire section devoted to safety.
Here are the most recent tips we've posted:
Hauling headaches: Know your load limits when trailering equipment
One-man machines: The operator should be the only person on a wheel loader


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Request a quote
The NatureGrowth System is a compact educational system that is easy to operate. Designed with the highest quality materials, this system can grow virtually any type of plant including lettuce, herbs, tomatoes and flowers. It is an ebb and flow system, using gravity and a pump to periodically flood and drain the growing media. It measures 4' x 2' and can fit into most classrooms.
The stand is heavy-duty aluminum. The light stand adjusts easily as plants grow. Add-on kits with larger light systems are available. Hortifiber Rockwool® starter cubes, Hydroton growing media, net pots and 16 oz of nutrient solution are included. System is complete, easy to assemble and instructions are included. Weighs 130 lbs. One-year warranty. Made in USA.
Hortifiber Rockwool® is a registered trademark of Thermafiber, Inc.


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Callers claiming to be from Microsoft tech support are really scammers attempting to gain control of your computer
Scammers using Microsoft's name to gain remote access to consumer's computer
AUSTIN, Texas - Mar. 12, 2012 – Better Business Bureau is alerting consumers of a phone scam in which the caller claims to be from Microsoft. The caller offers to solve a consumer's computer problems or sell him or her a software license, all in an effort to gain remote control access to the consumer's computer.
Pam Webster called BBB to report she received a phone call from a "Microsoft employee" who told her he had recognized a virus on her computer. From almost the instant the conversation started, Webster realized this call was not made with good intentions.
"The man identified himself as being from Microsoft tech support and said he had identified that my computer had a virus," Webster said. "He directed me to go to my computer and proceeded to give me directions to 'get rid of the virus.'"
Webster, who works with computers on a daily basis, realized almost immediately that the directions being given were the same steps she follows when her IT department needs full, remote access to her computer.
Webster did not allow the caller to proceed any further.
According to Microsoft, once these scammers have access to the computer they can install malicious software, steal personal information, take control of the computer remotely or direct consumers to fraudulent websites where they are asked to enter their credit card information.
Microsoft's Online Safety and Security Centre states that neither Microsoft nor its partners make unsolicited phone calls.
Here are some of the organizations that cybercriminals claim to be from:
· Windows Helpdesk
· Windows Service Center
· Microsoft Tech Support
· Microsoft Support
· Windows Technical Department Support Group
·Microsoft Research and Development Team (Microsoft R & D Team)
BBB advises consumers follow these tips to protect themselves from scammers attempting to access their computer:
· Go through your service provider directly. If you are concerned your computer may be exposed to viruses or other security threats, contact your service provider directly. Some providers offer free tools that can help detect and remove viruses.· Install virus detection. To help protect your computer from viruses make sure you have virus detection software installed on your computer. This software can also help identify if a virus appears on your computer.
· Don't trust cold calls. Never give out personal information, over the phone, to someone you don't know. If the caller claims there is a security threat to your computer, hang up and call your computer company directly.
· Find a computer repair company you can trust. Go to BBB Member Pages to find a BBB Accredited Business you can trust.
To check the reliability of a company and find trustworthy businesses, visit bbb.org.
About Better Business Bureau:BBB's mission is to be the leader in advancing marketplace trust. BBB accomplishes this mission by creating a community of trustworthy businesses, setting standards for marketplace trust, encouraging and supporting best practices, celebrating marketplace role models and denouncing substandard marketplace behavior.
Businesses that earn BBB Accreditation contractually agree and adhere to the organization's high standards of ethical business behavior. BBB is the preeminent resource to turn to for objective, unbiased information on businesses and charities.