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The King of Skin Is In
For the past three decades, Dr. Zein Obagi set the standard in skin care through a passion for research and dedication to developing a world-class product line.
While many companies falsely promise a proven formula for perfecting or refining the skin, the board-certified Diplomat of the American Board of Dermatology has found a verifiable solution for men, women and children's most common epithelial issues.
Having studied pathology before shifting to the field of dermatology, Obagi has a knack for searching for the source of a problem. He attributes his success in skin care to his "inquisitive mind." Decades of science and experience have been invested into his product line, which is suited for everyone regardless of skin condition, age, gender
or race.
"Once we understood the problem (behind certain skin issues) as well as the dysfunctioning cells, then (we were able to discern) the treatment of a variety of skin issues," Obagi said. "It all becomes really clear to us that this is the way to treat the surface. You don't just cover the fire you, stop the fire at
the source."
Since 1989, Obagi – nicknamed the "King of Skin" – has maintained his private dermatology practice in the aesthetics capitol of the world, Beverly Hills. But on Sept. 6, he'll make a new temporary home in the Derby City as a guest of CaloSpa Rejuvenation Center's product launch party, Beverly Hills in the Ville.
Held inside the Palace Theatre, the skin-savvy soiree will feature a discussion led by Obagi regarding his latest product lines, ZO Skin Health and ZO Medical, which will be carried exclusively in Louisville at CaloSpa, 2341 Lime Kiln Lane.
ZO Medical and ZO Skin Health treat a wide range of skin conditions, both cosmetic and clinical. The ZO Medical line, only available through leading health care professionals, can be used on skin of any age to improve a variety of issues, including acne, sun damage, lines and wrinkles, uneven pigmentation, rosacea and inflammation. ZO Skin Health is designed to help maintain strong, smooth, healthy skin and can be used on a daily basis in conjunction with the therapeutic treatment of the ZO Medical line.
As the new provider of Dr. Obagi's skin care lines, CaloSpa Rejuvenation Center will unite Obagi with curious customers hoping to find the answer to the age-old quest to achieve youthful-looking skin. At the launch party, Obagi will share his expertise in skin health with the audience and educate them on research he's conducted, the solutions he discovered and the most important factors in becoming a smarter skin
care consumer.
"I look forward to my visit," Obagi said. "We have exciting things (to offer), and the concept of skin care will change. (But) my objective here is to have all skin care companies really start to address the functionality of the skin and to tell people you have to know what to buy and know how things work. … We're trying to create a smarter consumer … who (doesn't) fall into the trap of advertising and marking, and (to teach him or her to avoid) the false promises."
Beverly Hills in The Ville will begin at 5:30 p.m., Sept. 6, with a cocktail reception. An educational seminar presented by Dr. Obagi will follow. Guests will also enjoy music by DJ Ryan Coxx, food by Wiltshire Pantry, spirits and special pricing on ZO skin care products. Tickets for the Beverly Hills in the Ville ZO Launch Party can be purchased in advance for $40 at www.calospa.com or $50 at the door. For more information call 502.814.3000.
For more information on Dr. Obagi, visit www.obagiskin.com.
Category: Life & Style Cover Stories
About the Author (Author Profile)
Ashley spends half her time writing stories at The Voice-Tribune office and half her time out on the town conducting interviews, while occasionally dressing in wild outfits to fully immerse herself in the experience (aka Princess Leia at Comic Con). Ashley is a huge UofL fan and loves the Yankees and the Boston Celtics (she is fully aware of the irony). She hopes to one day outshine Erin Andrews on ESPN and enjoys running, Bardstown Road/Fourth Street, Breaking Bad and reality TV (she's not ashamed to admit that).


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A Young Obama Ponders Problem of Minority Retention at Big Firms
In 1990, onetime Tulane Law School associate dean Robert Clayton found himself quoted in The Chicago Reporter alongside a 28-year-old summer associate about the problems with retention of black lawyers at large firms. That associate was Barack Obama. Since then, little has changed.
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Available Projects
I have bath fan timer switch in photo and it ran out too fast (like 5min max). I want to change to longer timer or on/off switch.
Do these timers have standard and compatible? Which type of "modern" timer should I replace with?
Can not recommend any one manufacturer but a fan timer is a fan timer. Guessing that newest devices on the market will provide settings that boggle the mind.
Popeye only reached for the Spinach can as a last resort...
I have installed similar looking Mechanical switch timers in the past and added one to a bathroom very recently. They vary as to the maximum time. You can normally start them any point after (the turn past) point, and don't need to run it the whole cycle.
The ones we have are all 15 minute max timers like yours, but they also sell 30 minute to an hour from the same manufacturer. There are bound to be more modern/electronic timer switches too, but we have found these to be easy and fairly goof proof.
To add:
The latest one I recently installed was in our retirement home (where I had three switches in a row). I had purchased a very nice agate looking stone wall plate, so I just never installed the base plate with the numbers on it. It is in our master bath, and we are very familiar with the operation of it, so having just the dial exposed was not a problem. I like the look much better too.This message has been edited. Last edited by: Conrad,
I was looking for an electronic count-down timer, but everything I found several years ago was listed for incandescent only. so at this point, the mechanical timer would be the way to go. I even replaced the 3-way switches to the outside lights with a pair, because you can't see whether they are on from inside, and we ended up with bulbs burning for days, eating up the electric bill.
sig: if this is a new economy, how come they still want my old-fashioned money?
We have a timer on our bathroom fan that has a set of presets on it; 10, 20, 30 minutes plus a press-and-hold for constant on. It works great for us. I put it on constant on while in the shower, then, when I get out, I change it to twenty minutes to give the fan enough time to clear the room. It fits in a standard junction box. We bought it at Lowes or Home Depot.
Previously, we had a fan with a humidity sensor on it, but we could never get the sensitivity right. The switch with the presets has worked out much better.
So my question is: is the wiring behind these timer / switch the same? Are they swappable??
Yes, the wiring is the same. The timer is just a mechanical switch, there should be a hot in and a line out and a ground connections. You should be able to do a direct replacement with either a new timer switch or a regular switch.
The switch I installed is made by Intermatic. They make a wide variety. This is the one I installed; http://www.intermatic.com/Prod...0_Series/EI210W.aspx
Got it. Thanks!
Yea, the mods do a fine job. Gone gone gone.
Popeye only reached for the Spinach can as a last resort...
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Home › Women's › Shirts and Tops › Ensa LS
Ensa LS Women's
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Arc'teryx Fit Guide - Athletic Fit
Standing in as our "Arc'teryx Standard" fit, the complex patterns used utilize anatomical shaping and gussets to enhance motion and eliminate excess bulk. Trimmer than the Relaxed fit with room for a base layer, a light fleece mid-layer and a synthetic or down filled mid-layer.
To find out how to calculate your body measurements, view our Sizing Charts:
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Full Feature List
- Moisture-wicking
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- Strategically placed seams increase comfort and reduce chafing
- Flatlocked seams lie flat for added comfort
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- Anatomical shaping for fit and comfort
- Gusseted underarms
- Crew neck
- Long sleeves
- Reflective logo
- Reflective blazes for enhanced visibility in low light
- Shaide™ 100% polyester, 150 g/m². Midweight knit fabric with a smooth outer surface and wicking inside face that aids moisture management. UPF 45+ sun protection.
- Machine wash in cold water or dry clean.
- Do not use fabric softener.
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- Iron on low heat.


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- Official Website
- Newsletter
- Contact
- Location
Transfer to Fitur from abba Madrid hotel
Special offer valid until: 29/01/2015
Weekend Getaway
Special offer valid until: 31/12/2015
Happy New Year in Madrid
Special offer valid until: 01/01/2015
abba Madrid hotel 4****S
abba Madrid hotel is a stunning 4-star superior hotel that boasts a prime location as it is located in the business center of the capital Madrid, in one of the busiest business areas in Madrid.
Located in the Barrio de Salamanca, abba Madrid hotel 4****S is near the National Music Auditorium, very well connected with Madrid Barajas Airport, a few minutes from the IFEMA Fairgrounds, and accessible to the M-30.
A design premium modernity and comfort characterize the 207 rooms, all equipped with the latest amenities to make your stay as pleasant as possible.
Among its wide range of services, abba Madrid hotel has parking, gym, bar, restaurant 'Abba Mia' and exclusive spaces for conferences, conventions and events of all kinds. Its meeting rooms with modern facilities, also have up to 150 people.
High quality services, the best location and personalized service at all times to ensure the comfort and well being of its guests.
abba Madrid hotel · Avda. América, 32 28028 · 28028 Madrid · T (+34) 91 212 50 00 · F. (+34) 91 212 50 01 · email@example.com


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Perseus Case by Trident Case
Impact-Resistant Silicone
The durable silicone case protects the device from casual scuffs & scratches while also acting as an anti-skid pad.
Protection Level
The Perseus offers minimalist design, while still protecting against surfaces that would scratch your device. Best for casual users in safe environments.
A.M.S Upgradable
The Perseus silicone cover is designed to be upgradable to the tough AMS Kraken shell, providing the option to maximize the level of protection for outdoor activities & lifestyles.
Buy an AMS today and it includes a Perseus, or buy a Perseus now & upgrade to the AMS later. The choice is yours to make!


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Sigma 18-50mm DC EX HSM OS
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I think a lot of plus sized women settle because they have low self esteem. They get excited when someone shows interest in them even though the man is less then desirable. I have a few plus sized friends that jump from one bed to another hoping they meet someone who will stick around. Its sad really. Its funny a lot of these men talk about how much better the sex is with a larger woman. i think its because a larger woman feels the need to try harder and pull out all the stops to try and keep them interested. Being a plus sized girl myself I'm extremely picky about the men i date. I know what I have to bring to a relationship, and refuse to settle for someone who half their end.
LargeFriends is owned and operated by SuccessfulMatch.com. LargeFriends does not conduct background checks on the members of this website.


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Illustration by Kent Pendleton
Although a common quail of the desert Southwest, the Gambel's requires a lot of water. Generally sedentary, it moves short distances in the late summer to form coveys, usually comprising several family groups. It hybridizes with both California and scaled quails where their ranges overlap. Polytypic (2 ssp.; nominate in North America). Length 10" (25 cm).
Identification Plump, short-tailed quail with gray plumage; prominent teardrop-shaped head plume or double plume in both sexes. Adult male: chestnut crown with black forehead and black throat; chestnut sides with whitish underparts with a black belly; gray upperparts. Adult female: similar to adult male but muted and lacking distinctive facial pattern. Head plume smaller. Juvenile: grayish brown overall and heavily mottled. Usually has a short head plume.
Similar Species The California is similar in structure and size, but the chestnut crown and sides and lack of scaling on the Gambel's easily separate them.
Voice Call: a plaintive qua-el; and a loud chi-ca-go-go similar to the California's, but higher pitched and usually 4 notes, sometimes shortened on only 1 or 2 syllables. Also a variety of clucking and chattering calls.
Status and Distribution Common year-round in desert shrublands and thickets, usually near permanent water sources. Introduced to Hawaii, Idaho, and San Clemente Island, California.
Population The numbers appear to be stable over the past 60 years. The Gambel's seems to be more tolerant of habitat disturbances than other Callipepla.
—From the National Geographic book Complete Birds of North America, 2006
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- Broad-Winged Hawk
- Bronzed Cowbird
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- Brown Thrasher
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- Bullock's Oriole
- Bushtit
- California Gull
- California Quail
- California Towhee
- Canada Goose
- Canyon Towhee
- Carolina Chickadee
- Carolina Wren
- Cassin's Finch
- Cassin's Kingbird
- Cedar Waxwing
- Chestnut-Backed Chickadee
- Chimney Swift
- Chipping Sparrow
- Cliff Swallow
- Common Grackle
- Common Nighthawk
- Common Raven
- Common Redpoll
- Cooper's Hawk
- Curve-Billed Thrasher
- Dark-Eyed Junco
- Downy Woodpecker
- Eastern Bluebird
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- Gambel's Quail
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- Golden-Crowned Sparrow
- Gray Catbird
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- Great Horned Owl
- Great-Tailed Grackle
- Hairy Woodpecker
- Harris's Sparrow
- Hermit Thrush
- Herring Gull
- Hooded Oriole
- House Finch
- House Sparrow
- House Wren
- Inca Dove
- Indigo Bunting
- Killdeer
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- Lesser Goldfinch
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- Mallard
- Mississippi Kite
- Mountain Chickadee
- Mourning Dove
- Northern Bobwhite
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- Northern Flicker
- Northern Mockingbird
- Nuttall's Woodpecker
- Oak Titmouse
- Orange-Crowned Warbler
- Orchard Oriole
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- Purple Martin
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- Ruby-Throated Hummingbird
- Rufous Hummingbird
- Say's Phoebe
- Scarlet Tanager
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- Sharp-Shinned Hawk
- Song Sparrow
- Spotted Towhee
- Steller's Jay
- Summer Tanager
- Swainson's Thrush
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- Tufted Titmouse
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- Verdin
- Violet-Green Swallow
- Warbling Vireo
- Western Bluebird
- Western Kingbird
- Western Meadowlark
- Western Scrub-Jay
- Western Tanager
- Western Wood-Pewee
- White-Breasted Nuthatch
- White-Crowned Sparrow
- White-Throated Sparrow
- White-Winged Dove
- Wood Thrush
- Yellow-Bellied Sapsucker
- Yellow-Billed Cuckoo
- Yellow-Rumped Warbler
- Yellow-Throated Vireo
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Teaching Family-to-Family in Northern Virginia for the first time in Fall 2003 helped me as well as the students. As a NAMI National employee in the NAMI Education, Training and Peer Support Center I wanted to learn as much as possible about the program. In this way I would be able to help my peers with their work. I realized the best way to learn the program was to teach it. I knew I needed to be familiar with each chapter to effectively teach. This process succeeded since I now am much more familiar with the contents of the teacher manual.
The bonding that took place during this class was amazing. Everybody seemed interested in helping each other. It was very empowering to see this happen. Also it was satisfying to see the level of interest in the material. My students seemed to like the role- plays in the Communications class best. I am more technically inclined. Therefore the chapters on the illnesses and the brain interested me most.
By virtue of one of my sister's mental illness I qualify as a family member. However, I am also a consumer. Therefore I had experience with many of the situations presented by the class members from both vantage points. My consumer perspective helped me to establish more of a rapport with the students. I was also able to take a family member's role because of my sister. Both my sister and I are committed to adhering to our treatment regimens. Fortunately, I acquired experience with issues of nonadherehce because of my work on the NAMI Helpline. Thus I think I was able to help people in the class with problems they had with relatives who refused medications and treatments.
My advice to new teachers is to read the chapters several times before teaching its contents. The more you read the material the more confident one becomes. I would also advise talking with an experienced instructor to see how they would teach a particular item. In my case, I had the most experienced teacher in the U.S., Joyce Burland, Ph.D., who wrote the curriculum for Family-to-Family. Finally if you are intimidated by the thought of teaching, remember 4,000 other teachers felt that way too.
Support NAMI to help millions of Americans who face mental illness every day.Donate today
Inspire others with your message of hope. Show others they are not alone.Share your story
Become an advocate. Register on NAMI.org to keep up with NAMI news and events.Join NAMI Today


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John M. Lowe, III
Associate Dean, Undergraduate Programs; Associate Professor; Chair, Health Care Administration Programs
- B.S. Duke University
- M.S. Ohio State University
- Postgraduate Fellowship, W.K. Kellogg Foundation
- Ph.D. University of Illinois/Chicago
Dr. Lowe has taught at Simmons College for 20 years. Appointed Associate Dean for Undergraduate Programs in the School of Management in 2013, he oversees implementation of the new BSBA degree program and coordinates program development activities with other units of the College. He teaches patient safety and quality, health systems, and operations management in the MBA, MHA, AMHA and HCMBA curricula, Introduction to Management in the undergraduate management program and quantitative analysis in the MBA and HCMBA programs
Dr. Lowe conducts research on using continuous improvement methodologies to address community health issues (such as teen pregnancy, domestic violence, and adolescent health). He also investigates best practices in health care organization governance function and structure and the application and use of diversity metrics for senior leadership and management in health care organizations. In curriculum research and development, Dr. Lowe was principal investigator on a project funded by the National Center for Health Care Leadership to incorporate leadership competencies into health management curricula and was co-principal investigator on a Helene Fuld Fund grant to incorporate continuous improvement methodologies into the community-health nursing curriculum at Simmons.
Dr. Lowe serves on the board of the Emerson Health System, Concord, Massachusetts, the Trustee Advisory Council of the Massachusetts Hospital Association (MHA) and the Regional Policy Board (New England) of the American Hospital Association. Dr. Lowe also serves on the Standards Council of the Commission on Accreditation of Health Management Education (CAHME) and the Committee for the Filerman Prize for Excellence in Teaching of the Association of University Programs in Health Administration (AUPHA). Previously, he chaired the board of AUPHA and served on the board of MHA and as chair of the American College of Healthcare Executives (ACHE) Committee on Higher Education and Research. He also served on the editorial board of the Health Administration Press of ACHE.
Dr. Lowe was a member of the Health Professions Education committee of the Mayor's Task Force on Health Disparities in Boston. He directed a study panel for the Massachusetts Department of Public Health on breast and cervical cancer screening for uninsured women and co-authored a study of post-9/11 mental health and substance abuse services for adolescents in Somerville, Massachusetts, and a community health report card in Mattapan, Massachusetts. Dr. Lowe also directed school-based health center needs assessment projects in Boston and Fall River, Massachusetts.
Before coming to Simmons, Dr. Lowe was research associate in urban planning at the University of Illinois at Chicago, vice president of the Hospital Research and Educational Trust, research affiliate of the American Hospital Association in Chicago, and dean for development and administration at Temple University School of Medicine in Philadelphia.
- Lowe, John, "Curing the Business of Health Care," Management Magazine, 1:1, 2012, p. 16-19.
- Sherril, Windsor, Westerman, John, Howell, R. Edward, and Lowe, John, "Mentoring in Health Services Management," The Health Care Manager, 31:1, 2012, p. 44-51.
- Teeley, Karen, Lowe, John, Beal, Judy and Knapp, Marian, Incorporating Quality Improvement Concepts and Practice into a Community Health Nursing Course, Journal of Nursing Education, Vol. 45 (2), pp. 86-90, 2006.
- Young, Azzie, Knapp, Marian and Lowe, John, "Community Health Report Card for Mattapan and Hyde Park," Health Care Revival 2003, (Mattapan Community Health Center: Boston), 2003.
- Gall, Gail, Lowe, John and Hacker, Karen, A Resource Mapping Project of Substance Abuse and Mental Health Needs and Resources of Somerville High School Students, (Cambridge Health Alliance: Cambridge, MA), 2003.
- "Information Seeking as a Leadership Competency," Symposium Presentation, "The Right to Know," Graduate School of Library and Information Science, Simmons College, March, 31, 2014.
- "How are You, Your Doctor, and Simmons College Responding to Health Care Reform?" South Shore Simmons Club, invited presentation, April 25, 2012
- "New Spin on Collegiate Business Model: SOM and Online Learning," Simmons College School of Management Alumnae Day, invited presentation, April 2, 2011
- "Surviving the Performance Expectations of Health Reform," Management Grand Rounds, Children's Hospital Boston, invited presentation, March 2, 2011
- "Board's Role in Quality and Safety," 9th Quality Colloquium Track V: Governance for Quality and Patient Safety, Harvard University, invited panel presentation, August 18, 2010
- "Joy in Work: the Research Basis for Liking What We Do," Symposium on Teaching and Learning, Dartmouth University, invited presentation, July 19, 2010
- Distinguished Alumnus Award, Graduate Program in Health Policy and Management, Ohio State University, 2006
- Linda Roemer Award for Excellence in Community Service, School for Health Studies, Simmons College, 2005
- National Center for Healthcare Leadership, Graduate Health Management Education Demonstration Project, 2004-08.


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A flood of news stories during a three-week period this spring in print and online media bore worrisome headlines like these: Ag economists fear bubble forming over borrowing (Omaha World Herald); Trouble on the farm: We face a grim future (CNBC); Are farmers next to be hit by debt? (MarketWatch).
A common source for each of these stories was a paper from researchers at the Federal Reserve Bank of Kansas City, Farm Investment and Leverage Cycles: Will This Time Be Different? The authors are Jason Henderson, who at the time was vice president and branch executive for the banks Omaha office, and economist Nathan Kauffman. Henderson has since moved to Purdue University as associate dean of the College of Agriculture and director of Purdue Extension, and the paper is included in the banks second-quarter Economic Review.
With booming farm profits, farmers have made a range of real estate investments, building new structures such as grain bins and machine sheds and improving productivity through expanded pivot irrigation and tiling, the economists wrote. In addition, non-real-estate investments have soared as farmers purchased new vehicles and upgraded their equipment and machinery. As measured by capital expenditures, farm investment since 2006 has risen at its fastest pace since the 1970s farm boom.
As reflected in media accounts, this surge in farm capital investment has raised concerns that farmers may repeat the mistakes of the 1970s, when a wave of capital investment led to an overleveraged farm sector, according to the Fed officials. Historically, farm investment has strengthened as farm booms matured and remained high even when profits began to fade, they wrote. With shrinking profits, farm enterprises have tapped their wealth to smooth and continue financing their investment spending, leading to expanded farm leverage, they added.
Over recent years, in keeping with the pattern of past farm booms, elevated farm profits have enabled farmers to keep leverage ratios near historic lows, the article continued. But historical trends suggest that the strong wealth effect in the agriculture sector, coupled with low interest rates, could lead to an accumulation of excess debt. This scenario could be a recipe for another financial crisis in U.S. agriculture.
During past farm crises, the rise in farm debt ratios was driven by falling asset values, Henderson and Kauffman pointed out. From 1920 to 1923, the jump in the debt-to-asset ratio was driven by a drop in farmland values and a 20 percent decline in farm asset values, as farm debt levels held steady. From 1980 to 1985, the debt-to-asset ratio rose above 20 after farm assets fell by 40 percent and farm debt declined by 15 percent, they wrote.
Given the current record-high farmland values, farm debt ratios are now near historic lows, according to the Fed study. The USDA projects the 2013 farm sector debt-to-asset ratio will decline to 10.2, driven by a 6.3 percent increase in farm asset values and a 1.8 percent increase in farm debt. If the debt-to-asset ratio were to rise to 20 for the farm sector as a whole, the rise would have to be driven either by farm assets' falling sharply or by farm debt's soaring, the authors warned.
Although today's farm leverage ratios are historically low, they explained, the concentration of farm debt raises the risk of farm bankruptcies even in prosperous times. While average debt-to-asset ratios were similar in both 1979 and 2010, other studies show, almost 6 percent of Kansas farm enterprises had debt-to-asset ratios above 70 in 2010, compared with only 1.3 percent of Kansas farm enterprises in 1979. The USDA has indicated that when debt-to-asset ratios for the individual farm enterprise rise above 40, the enterprise can become vulnerable to solvency problems.
Henderson and Kauffman concluded that the stage is set for another possible cycle of rising leverage in the U.S. agriculture sector. Over the past decade, farmers have increased their production capabilities through capital investments and, as a result, agricultural supplies are projected to rebound. Rising supplies, coupled with higher production costs, are projected to cut farm profits by 2014, they wrote.
Historically, declines in farm profits initially have not triggered a reduction in capital investments as farmers tapped their wealth to finance and smooth their capital investments over time, the researchers continued. That past pattern suggests that, in the current cycle, both real estate and non-real-estate investment by farmers might continue to remain high, even when profits decline, as long as farm wealth remains elevated and interest rates remain low. During the 1920s and 1980s, farmers accumulated debt and many faced bankruptcy when farm profits plummeted, farm land values declined, and interest rates rose sharply.
The economists questioned if, amid projections of lower farm incomes in coming years, along with high levels of farm wealth and low interest rates, farmers will maintain their working capital or will leverage their farms. History has shown that significant increases in farm leverage can set the stage for deleveraging cycles and farm busts. Whether the current farm boom simply fades or busts will depend on how farmers finance their investments and how far leverage rises, the writers suggested.
Maybe just maybe this time will be different, in spite of the headlines.
Bill Poquette is editor-in-chief of BankNews.


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Maintaining Your Shares Investment Portfolio
Part of the Share Investing For Dummies Cheat Sheet (Australian Edition)
Investing in shares is a long-term commitment. Although you don't need to be sitting in front of your computer all day, once you've got a well-constructed share portfolio underway, you need to monitor the sharemarket and keep an eye on what's happening with your stocks.
Keep a long-term perspective. Monitor your portfolio to see how your shares are doing. spending hours each day in front of your computer screen looking at your portfolio could tempt you into trading for no sound reason.
You never go broke taking a profit. If you believe that one of your shares has risen so far that a fall is imminent, take a profit. You don't have to sell all of the holding. Take out your original investment and leave all the gain still riding on the share.
Don't panic when the market falls. Occasional falls in the prices of your shares are inevitable; their effects are usually short term. If you're a long-term investor who is using the sharemarket to build wealth over decades, short-term fluctuations on the sharemarket are irrelevant
Don't worry about capital losses. A capital loss occurs only when you sell your shares. Until then, the loss is only a calculation on paper. If you're confident in your shares, hang on to them.
Don't let tax considerations determine your strategy. The sole reason for investing in growth assets is to get capital growth. Don't hang on to profitable shares just to avoid paying capital gains tax. Focus on the pleasing fact that you've made a capital gain, not on the tax. If you do sell and take a capital loss, the consolation is that you can use it at tax time to offset against some of your capital gains.
You can't outsmart the market by timing trades in and out of shares. You won't get it right anywhere near often enough, and the transaction costs eat into your returns. Be an investor not a trader.
Remember that a diversified portfolio is a safer one. When you buy different assets, you minimise your overall risk. Your goal in diversifying is to benefit from the performance of different assets that are usually not synchronised. If shares are performing poorly, property or bonds may be performing well. You should include at least one other asset class with shares to diversify your investments.
An individual with net worth of more than $1 million (alone or jointly with a spouse) or with income of $200,000 in each of the past two years and with a reasonable expectation of the same level of income in the current year. Certain higher-risk investments are often restricted to accredited investors.
A risk-adjusted measure of performance. Alpha measures the portion of an investment's return attributable to the security's inherent values (for example, earnings growth) rather than to overall market movements.
A trading technique that takes advantage of price discrepancies when the same security, currency, or commodity is traded on different markets.
A condition that is met when an option's strike price is the same as the prevailing price for the underlying stock. For example, if stock ABC is trading at $125 and the option's strike price is also $125, then the option is at the money.
A financial statement that shows the value of a company's assets, liabilities, and owner's equity on a given date. Total assets minus total liabilities equals owner's equity.
A situation that occurs when you have sold something you do not own. In commodities, if you enter into a contract to sell a commodity which you don't own with a promise to deliver it at a set price on a future date, then you are short that commodity. In stocks, you are short a stock if you have sold it and borrowed the shares from a broker to deliver to the purchaser, with an obligation to replace the borrowed shares at a future date. Being short means that you're bearish, or negative on the market, and that your goal is to make money when the security or commodity that you choose to short falls in price.
A measure of a stock's relative volatility. A stock with a higher beta can be expected to rise or fall more than the overall market, whereas a stock with a lower beta is less volatile than the overall market.
A theoretical model used to calculate the fair market value of an option based on time to expiration, price of the underlying stock, historical volatility, strike price, and carrying costs.
A contract that gives the holder the right to buy a particular asset at a specified price at any time prior to the expiration of the option.
A bond that the issuer can redeem before its maturity date. The bondholder is often paid a premium when the bond is called.
A chart that shows the daily high, low, opening, and closing prices for a security over a specified time period.
The profit from the sale of an investment at a price that's higher than the purchase price.
An interest-bearing investment issued by a bank. CDs are typically available with maturities ranging from three months to five years.
Buying and selling securities by a broker for the sole purpose of generating commissions.
A call option written by an investor who already owns the underlying shares. If you write a covered call and the option is exercised by the holder, then you would just deliver the stock to the holder.
Delta represents the price change of an option for every one-point change in the price of the underlying security or futures contract.
A financial instrument whose value is based on the value of another asset or index. A stock option, for example, is a type of derivative that gives you the right, but not the obligation, to buy shares of the stock at a predetermined price. The option's value changes in relation to the price of the stock.
An electronic order-routing system used by NYSE member firms to send market and limit orders directly to the specialist at the exchange who trades that particular security.
Money paid out by a company to the owner of its stock. An income stock is a stock that has a regularly paid, higher-than-average dividend.
A market in which stock shares are issued and traded. Trading takes place through both exchanges and over-the-counter markets.
A mutual fund that is traded, like stocks, on an exchange.
Currency that a government declares to be legal tender, even though it is not backed by reserves of physical assets (such as gold). The value of fiat money derives solely from the public's confidence and faith in its ability to serve as a storage medium for purchasing power. Most of the world's money is fiat money.
The largest non-governmental regulatory organization responsible for overseeing all securities firms that do business in the United States. Responsibilities include professional training, testing and licensing of registered representatives, and arbitration and mediation.
Speculation on the value of one currency versus another, in which you buy one country's currency—just as you'd buy a stock or other security—in the hope that it will appreciate relative to the value of another currency.
Contracts where you agree to buy or sell a specific amount of a commodity, currency, or other asset at a specified price on a specified future date. Unlike an option, a futures contract creates an obligation, rather than just a right, to buy and sell the underlying security.
When you own a security or other asset, you are said to be long that security. When you go long (that is, buy) a security, you're bullish, or positive on the market, and you expect the price of that security to go up.
Privately held corporations created by Congress to work for the common good—generally to facilitate borrowing for homeowners, farmers, and other specific groups. Examples of GSEs include Fannie Mae, Freddie Mac, and the Federal Farm Credit Bank.
A chart formation in a graph of an asset price that resembles three mountaintops in a row, with the middle mountaintop being taller than the other two. The pattern indicates a trend reversal, meaning that prices are expected to fall.
An investment strategy that allows you to reduce the risk of an unfavorable price change in a security or commodity. For example, a stockholder of ABC Company who is worried about declining stock prices can offset that risk by buying a put option on ABC, allowing him to sell his shares in the future at today's price.
Investments that don't trade very actively and are difficult to sell on short notice.
A theoretical value representing the volatility of the security underlying an option. Implied volatility is used by the Black-Scholes model, among others, to calculate the price of an option. Implied volatility usually rises when the markets are in downtrends, and falls when the markets are in uptrends.
A condition that is met when a call option's strike price is below the prevailing price for the underlying stock. For example, if stock ABC is trading at $125 and the option's strike price is $120, then the option is in the money. For a put option, the strike price must be above the current market price of the stock for the option to be in the money.
A mutual fund designed to mirror the performance of a specific market index such as the Dow Jones Industrial Average or the S&P 500. Expenses of index funds tend to be lower than other mutual funds because the manager is not actively researching, buying, and selling securities.
A type of individual retirement savings plan. There are several types of IRAs, including, among others, Traditional IRAs and Roth IRAs. Traditional IRAs are tax-deferred accounts that currently allow individuals to contribute up to $5,000 per year. Contributions to a Traditional IRA may be tax deductible, depending upon several factors. You don't pay taxes on the income and gains you generate in a Traditional IRA until you make withdrawals; all withdrawals will be taxed at the ordinary income tax rate. Roth IRAs are subject to different tax treatment.
The degree to which an investor or business is utilizing borrowed money. For investors, leverage is a means of multiplying the return on an investment by borrowing money to purchase additional securities or other assets. Buying securities on margin is an example. If you have $1,000 of cash and borrow another $1,000 from your brokerage, you could then purchase $2,000 of stock. If the value of the purchased stock increases by 10 percent ($200), then you have realized a 20 percent gain ($200/$1,000) on your actual cash investment.
The value of a company as measured by the total number of stock shares outstanding times the market price of each share. For example, if company ABC has 20 million shares outstanding, and each share is currently worth $100, then the market cap for ABC is $2 billion. In general, stocks are classified as large cap (over $5 billion), small cap (under $1 billion), or mid cap (anything in between).
A stock index where the effect of each stock on the index is in proportion to its market value.
A major ongoing development that is expected to have significant implications for most (if not all) facets of society over an extended period of time. The aging of the American population is an example.
The perceived strength behind a price or volume movement in a security based on the rate of acceleration of that movement.
In technical analysis, a chart line that shows the average of a security's price over a specified period of time, recalculated for each new data point. For example, a 30-day moving average will include yesterday's price and those for the previous 29 days. Tomorrow's moving average will include today's price but will drop the price for the earliest date in yesterday's average. The moving average is used to spot pricing trends by flattening out large fluctuations.
A bond issued by a local or state government or agency. Munis generally raise money for public projects such as hospitals, roads, bridges, and sewer systems as well as general governmental operations. When you buy a muni, the interest is usually exempt from federal income tax.
A fund operated by an investment company that raises money from shareholders and invests that money in a group of assets in accordance with one or more stated objectives, such as income, growth, aggressive growth, and so on. A mutual fund may generally invest in stocks, bonds, options, futures, currencies, and money market securities in accordance with its stated parameters. All shareholders share equally in the income, gains, and losses generated by the fund.
A call option written by an investor who does not already own the underlying shares. If you write a naked call and the option is exercised by the holder, then you would have to buy the stock at the market price to meet your obligation. Naked calls are very risky, though potentially very rewarding.
An electronic stock exchange established by the National Association of Securities Dealers (NASD). The Nasdaq lists over 3,200 companies and is the largest equity securities trading market in the U.S.
A system where traders on a trading floor or in a trading pit shout and use hand signals to make transactions or trades with each other.
A derivative security that gives the holder a contractual right to buy or sell a set amount of a stock, commodity, or other asset at a specified price on or before the option's expiration date. An option is purchased for a fee, called a premium.
A person who is buying options. Call option holders have the right to buy a stipulated quantity of the underlying asset specified in the contract at a specified strike price. Put option holders have the right to sell the specified amount at the strike price.
A condition that is met when a call option's strike price is above the prevailing price for the underlying stock. For example, if stock ABC is trading at $120 and the option's strike price is $125, then the option is out of the money. For a put option, if the strike price is below the current market price of the stock, then the option is out of the money.
A securities market where trades are conducted by phone or computer network directly between dealers rather than on a physical trading floor. All bonds trade over-the-counter, as do unlisted stocks (generally, stocks of smaller companies that do not qualify for listing on an exchange).
A contract that gives the holder the right to sell a particular asset at a specified price at any time prior to the expiration of the option.
A company, usually traded publicly, that raises money from shareholders and invests that money in a portfolio of real estate properties. REITs are modeled after mutual funds, although the tax treatment of REIT income is different.
A statistical technique used to find the mathematical relationship between a dependent variable (such as a company's stock price) and one or more independent variables (such as GDP, income growth, or inflation). Regression analysis is used to predict future values of the dependent variable based on changes in the independent variables.
A price movement in the opposite direction of the previous trend. When a price has gone too far and traders deem the security overbought or oversold, the price may stop rising or falling and move in the opposite direction for a period of time.
A type of IRA in which contributions to the account are not tax-deductible, but qualified withdrawals are completely exempt from federal income tax.
A federal agency whose mission is to protect investors from fraud or other unlawful market activities.
A nonprofit corporation created by Congress in 1970 to protect investors in the United States. SIPC insures the assets in investor accounts (up to certain maximum amounts) at registered brokerage firms in the event of bankruptcy of those firms.
An instruction to a broker to sell a stock at the market price after the security has touched the specified stop price. A sell stop is always placed below the present market price and is usually designed to protect a profit or limit a loss.
The general feeling among investors as to which direction the stock market is heading. If the sentiment is that prices are going up, it is said to be bullish; if the sentiment is toward a downward movement, it is bearish. Investors base sentiment on market activity and movements in the prices of securities.
A situation that occurs when you have sold something you do not own. In commodities, if you enter into a contract to sell a commodity which you don't own with a promise to deliver it at a set price on a future date, then you are short that commodity. In stocks, you are short a stock if you have sold it and borrowed the shares from a broker to deliver to the purchaser, with an obligation to replace the borrowed shares at a future date. Being short means that you're bearish, or negative on the market, and that your goal is to make money when the price of the security or commodity that you choose to short falls in price.
A retirement plan available to small employers and self-employed individuals in which both the employer and employee can contribute to an IRA.
An annuity contract that you purchase from an insurance company with a single upfront payment. An SPIA usually starts making regular monthly payments to you immediately.
You create a straddle when you simultaneously buy a put and a call on the same stock at the same strike price and with the same expiration date.
You build a strangle when you buy a put and a call on the same stock with the same expiration date but at strike prices that are equally out of the money. A strangle costs less than a straddle because both options are out of the money, but you only make a profit if the price of the underlying stock moves dramatically.
The price at which the stock or commodity underlying an option can be purchased (call option) or sold (put option) pursuant to the terms of the contract.
An exchange of streams of payments over time according to specified terms. The most common type is an interest rate swap, in which one party agrees to pay a fixed interest rate on a notional principal amount in return for receiving an adjustable rate from another party.
One-sixteenth of a point.
A price change in a security's trades. If the next trade takes a security up in price, it's an uptick; if it takes the security down, it's a downtick. In futures and options trading, a tick is the minimum change in price, up or down.
The spread between the high and low prices of a security or commodity within a particular period.
Debt obligations of the U.S. government that are secured by its full faith and credit. Treasuries include bills (maturities of less than one year), notes (maturities of 1 to 10 years), and bonds (maturities of more than 10 years).
A statistical measure of the movement of a financial asset's price over time, gauging how fast the price of the asset changes. The price of a highly volatile security can change dramatically over a short period of time. A measure of the volatility of a security relative to the overall market is its beta.
A person who is selling options. Call option writers have the obligation to sell a stipulated quantity of the underlying asset specified in the contract at the specified strike price if the option is exercised by the holder. Put option writers have the obligation to buy the specified amount at the strike price if the option is exercised.


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Salvation Army's Red Kettle campaign is short close to 700 volunteer hours in the North Country this season. Without the public's help, they say they may need to cancel some of the holiday traditions. Our Brooke Selby has more on the help they need.
NORTH COUNTRY, N.Y. -- It's soon to be that time of year again: Hot cocoa, Christmas carols and jingle bells. For many, the Salvation Army is synonymous with the sound of bells ringing around town during the holiday season.
Glens Falls Salvation Army volunteer Steve Norsworthy said, "It's like a four hour shift. You come in and volunteer. It feels great. I love it. I love giving back to the community the community. The community helps us, I think we ought to help the community out."
While this volunteer has helped the Army in Glens Falls for the past three years, he is one of a very few. One week into its holiday fundraising season and there's already a problem.
Major David Dean of the Greater Glens Falls Salvation Army said, "Had two days last week that I had no volunteers one day and one volunteer one day, so I need about 10 to 12 people per day per four hour shift."
Since 1901, volunteers have helped raise the money they need to assist millions of people during the Thanksgiving and Christmas holidays. The kettle campaign raises more than $140 million for the Salvation Army across the country each year.
Dean said, "Over the course of a year, believe it or not, it's actually about $8,000 that we can save by using volunteers."
So they need the public to stand up and help by donating their time and change to the cause.
Dean also said, "I have some people that do one day a week, I have people that do a couple of days. We are looking for clubs, groups and organizations. We still need hundreds of people to finish out the year."
Anyone looking to help can call the Salvation Army in Glens Falls at 792-1960.
If you'd like to make a monetary donation, visit www.onlineredkettle/org/teamglensfalls.
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Corporate Media's Go-To 'Expert' on Latino Evangelicals Actually a Right-Wing Political Operative
This article originally appeared at Public Eye, the Web site of Political Research Associates.
Rev. Samuel Rodriguez, executive director of the Sacramento-based National Hispanic Christian Leadership Conference, is regularly tapped by national media outlets like CNN and The New York Times as the leading voice of Latino evangelicals and has been treated accordingly by both major political parties. From 2007 to 2009, he was a columnist for the Washington Post's On Faith section online, and he frequently appears on NPR's "Tell Me More." He is a member of the boards of some of the leading organizations of evangelicalism – Christianity Today magazine, Gordon Conwell Theological Seminary, and the National Association of Evangelicals.
But he is not nearly the evangelical moderate that he is presented as being.
The 42-year-old Puerto Rican evangelist often describes himself as a cross between Billy Graham and Martin Luther King, Jr. "with a little salsa tossed in." He describes Latino evangelicals the same way, with the same joke, and has for years. The humor takes the edge off of the grandiosity, but leaves little doubt about his sense of destiny for himself and the people he seeks to lead towards a distinctly conservative Christian America. He is, in fact, a leader of the Christian Right who says he is not. He is a partisan Republican who claims not to be. And he is conservative on just about everything but immigration policy.
Yet when the Democrats and the Obama White House woo him, for instance to back the Supreme Court candidacy of Sonia Sotomayor or serve on the President's Advisory Council on Faith-Based and Neighborhood Partnerships, they elevate his influence, his power to oppose LGBT marriage, and even Obama's own reelection.
The Silence of the Lamb
"This is a justice movement," he is fond of saying. "This is what makes us different. We've never seen this before. We've never seen a movement that is black, white, brown, yellow, committed to both the vertical and the horizontal, that can reconcile Dr. Billy Graham with Martin Luther King, Jr., that is committed to both righteousness and justice." But justice, by any standard definition, can be hard to find in the world according to Rodriguez.
He calls this intersection between Graham and King "the agenda of the Lamb." Using the metaphor of the cross, Rodriguez views Graham as representing the "vertical agenda" of holiness and faith values while King represents the "horizontal agenda" of social justice. The Lamb's agenda, he says, requires both. This bold invocation of historic figures and the bars of the cross is part of what makes Rodriguez a compelling figure, and why he is viewed as a bridge-builder. But on closer examination there seems to be little of the social justice advocacy of Dr. King in this man's activities, political and otherwise. Indeed, when we set aside the parsing of the metaphors, we see that he is deeply involved in the promotion of a Christian Right worldview, and is engaged in Republican voter mobilization, the results of which inevitably leave even immigration reform behind.
His group, NHCLC, purports to represent more than 34,000 churches comprising some 16 million people. Founded in 2001 by Latino leaders in the Pentecostal denomination Assemblies of God, the name echoes the Southern Christian Leadership Conference once headed by Dr. King. The organization's evangelical constituency and leadership are interdenominational, and Pentecostal or charismatic, but the group also seeks to engage charismatic Catholics. Like Rodriguez himself, the organization claims to seek to address a broader agenda than the usual Christian Right fare.
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Preliminary totals for voting on the City's bond propositions have been posted by the Williamson County Elections Division. With 60 of 60 vote centers reporting, all four propositions have a significant majority of votes in favor.
Election results will not be final until they are canvassed at a City Council meeting. Results must be canvassed between Nov. 13-18.


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Kimi Raikkonen won't take part in the Young Driver Test after all, with Lotus confirming he will not run at Silverstone.
The Finn was initially schedule to sample the new Pirelli tyres on Friday, but the Enstone squad have decided to give Nicolas Prost another go.
Prost tested the E21 on Wednesday while Davide Valsecchi will take over on Thursday.
"Once details of what race drivers were allowed to do here became apparent, we would have only been able to conduct a very limited programme with Kimi," trackside operations director Alan Permane said.
"If we were to run him, it would compromise the other development work we want to do with the car here.
"By running Nico again we'll be able to build on the work already carried out and hopefully be in the best position to develop the E21 ahead of Budapest, whilst also conducting the necessary tyre testing for Pirelli."
Any reproduction, publication or redistribution of this material without the written agreement of 365 Media Group is strictly forbidden.


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WHAT IS IT? A complete carbon fiber skid plate and case guard system in one piece. It is the exact same glide plate that James Stewart runs on his 2010 Yamaha YZ450F. For some reason, the stock skid plate and case guards on the 2010 Yamaha YZ450F are minimal at best. In fact, there is no case guard for the ignition side, and the water pump guard is so small that the vulnerable metal water lines are exposed to everything from roost to footpegs.
LightSpeed has become the premier carbon fiber parts supplier in American motocross. Most factory teams run LightSpeed parts?and with good reason. LightSpeed's one-piece YZ450F carbon fiber glide plate is a jack of all trades. This single slab of carbon fiber incorporates an ignition-side case guard, skid plate and water pump guard. It is currently available for 2010 YZ250F-450F and CRF250-CRF450.
CONTACT? lightspeedcarbon.net or (714) 990-5767.
WHAT STANDS OUT? Here's a list of things that stand out on LightSpeed's one-piece 2010 Yamaha YZ450F glide plate system.
(1) Fit. This is a plug-and-play skid plate. We removed the stock guards and slipped the LightSpeed glide plate on. It uses the three stock 6mm bolts and fits like a glove. There are no aluminum hooks or finger-twisting nooks and crannies to fiddle with.
(2) Function. Unlike some skid plate and case guard designs, LightSpeed goes for the form-fitting look (almost a second skin). Not only does it put a layer of carbon fiber between your vulnerable cases and the cruel world, but it is amazingly sleek looking (and is less likely to allow mud between the skid plate and engine). Obviously, if bashing into things is a habit, you would be better off with a stronger Works Connection aluminum skid plate.
(3) Looks. LightSpeed uses a proprietary epoxy resin in their carbon fiber that makes it both strong and resilient. Additionally, to give the carbon fiber a high-gloss look, LightSpeed sprays on an epoxy clear coat (as opposed to the less durable polyurethane coating of many other carbon fiber makers).
(4) Bike maintenance. LightSpeed listened to the Yamaha mechanics and took regular maintenance issues into account. There are cutouts to allow access to the clutch cover, water pump drain and even a special hole for a brake snake (which L&M Yamaha uses).
WHAT'S THE SQUAWK? We would like to be able to change the engine oil without removing the glide plate, but the YZ450F's side-mount drain doesn't lend itself to a cut-out drain hole as easily as a drain plug under the engine.
You don't need this product. How do we know? Because nobody needs a case guard until a rock rips a hole in his ignition cover. Nobody needs a glide plate until he cases the top of a whoop. So, you don't need it…until you need it.


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Hazelnut Cappuccino Pinwheel Cookies – Grain and Dairy-Free
December 13, 2012 in Desserts, Gluten Free, Holidays
Sometimes you're just thrilled with an experiment that pays off, and this is one of those times – even more so than when I first managed a gluten-free version of this a few years ago. This time the hazelnut espresso shortbread is rolled up with a cinnamon sugar cookie. The resulting flavor is a delectably nutty swirl of cappuccino.
The original heavenly shortbread, originally discovered on Epicurious, had been a regular in my holiday lineup for years until I gave up the gluten in 2008, and I can't say how stoked I am with this version, rendered not only gluten-free but also free of grains, dairy, and even refined sugar. Read the rest of this entry →


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Webster should pay us to be on the team.
We should get Sintim back and convert to a 3-4. Sintim could be our Von Miller.
Turns out I screwed up ALL of this years savings for everyone with more than one year left.
I added both signing bonuses in for this year and next. When in reality they are paying this years signing bonus either way. So I should have just done base minus one years signing bonus.
Plus as Garafolo noted, teams could defer the payment on signing bonuses. They don't have to hit all the current year, the teams can spread them out
For instance cut a guy with a 5 year contract in his second year could they defer it for the remaining 3 years? Or only for 2 of it?
For instance the Eagles didn't cut Vick, which means he gets his $3 mill roster bonus. However the roster bonus is a collective agreement, meaning that if he goes to another team and gets more than $3 mill, then the Eagles are off the hook for it.
Not exactly the same thing but you get the idea. I've heard both ways on signing bonuses ... cap hit prorated over two years after cut and over the original life of the contract. I haven't been able to confirm either way.


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Limited Edition Holiday Jardin Velvet Robe
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Cruises-N-More WARNING!
Posted by
Hi everyone.
I'm a brand new cruiser and my wife and I are taking the plunge on an Alaskan cruise with Princess to celebrate our anniversary and her birthday. Unfortuately I may have booked my cruise with the worst travel agent/agency I've ever encountered.
Let me explain. We agreed on a price last July for a cruise in June of '07 with Esther, yes the very same Esther that was complained about here before. The price was greed upon and I made a deposit. Fastfoward to March when the final payment was due. I received a receipt saying "PAID IN FULL" and "FINAL PAYMENT" for the agreed upon price. I noticed my wife's name was spelled incorrectly as was my mailing address. I emailed her to make the changes. Two days later I received a second receipt with the corrections. I didn't check the numbers as I was only concerned with getting my wife's name correct so it matches up with the manifest. A couple of days later, I noticed a separate charge on my credit card for $97.xx. I emailed her and she said "I will check on it". A week goes by and I email again. She replied "I call and they will refund the card". I email again several days later to remind her and she said "OK I will". Another week or so I emailed again, this time asking again why I was charged in the first place and that I'm getting upset. That was the last time I heard from her! I emailed several times after, and left a phone message, and she NEVER got back to me. I finally looked on the SECOND final payment receipt, and there was an extra charge listed beneath the final payment amount that said $94.xx. What??? Did the charges change in the two days between the FIRST and SECOND receipt? Isn't the first receipt final, since it said PAID IN FULL for the agreed upon price? What's going on? All I wanted was for her to change my wife's name and our address!!! She never even called attention to the extra charge and I hadn't looked at it since I had no reason to believe the price would change in 2 days???
I call Princess and they gave me the "we can't discuss it because we have a contract with the company" so they won't help me, What kind of policy is that? So now I can't get my agent to return my call or emails. I've tried calling her supervisor and no response either. I finally got ahold of someone else in the agency and all of a sudden, there was a "note" in their computer system that said the extra charge was an increase in taxes to Alaska through Princess, even though I had called 2 hours earlier and their own finance department had no idea and there was no "note" suggesting a tax. They put me on hold while they "checked with Princess" and lo and behold, Princess overcharged me the 3 dollars, and the travel agency will cut me a check for the 3 dolloars, but the $94.xx stands. Suspicious, I call Princess immediately after and the lady on the phone said didn't receive any call. She too was confused. Unfortunately, in her effort to help me, she transferred me to someone higher up who gave me a very rude and terse "We can't discuss it. All we can tell you is you made final payment. You'll have to take it up with your travel agent. Good luck to you."
C'mon. Once I got that first receipt with the PAID IN FULL on it, isn't that it? What right do they have to continue charging my card without notification and simply send me another receipt 2 days later????
Since Princess won't say anything because they're covering their butts, and my travel agent won't return my messages, what am I supposed to do??? Anything??? It has been almost 4 weeks since she promised she would refund my money and now it's become a "tax increase". Esther isn't new to the business so if it was indeed a tax, she would've known that and not promise me a refund in the first place. NO ONE CAN TELL ME WHAT THE CHARGE WAS IN THE FIRST PLACE!! All this is so shady and deceitful. I can't believe this is how a cruise line would do business, allowing a travel agent to run rampant with your credit card and not have to explain anything from either end. I haven't set foot on a ship yet, and already I'm turned off to cruising and especially Princess.
I'm going to dispute the charge with my credit card company, but I don't know what my chances are. I may try the BBB too.
What do you all think??? Am I crazy? If this post gets someone to think twice about this company, I will gladly eat the loss. I wish I had read this complaint below before I booked with them:
You've been warned.....
UPDATE: The supervisor has at least agreed to refund my money, although with no explanation as to what happened in the first place. We'll see if he actually makes good.
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Pomona Guy on 04/30/2007:
I took the Princess cruise to Alaska and loved it. So calm down and enjoy your cruise. You'd be a fool to let the extra charge ruin your cruise. And take the excursion into the Yukon. The one you ride a train back. It is so great! If you can afford the cruise your can afford to learn to never book with these bums again. And again, calm down and enjoy the cruise!
ejack053824 on 04/30/2007:
Join the Navy and see the world for free. LOL!
reefdude on 04/30/2007:
Pomona Guy: In the end I'm sure you're right. It's just at this moment that's hard to do. This is a complaint forum afterall. In the long run they will lose more than the $97 in future business just from me alone! I do hate such disregard for common decency. I hope we'll have as much fun as you did in Alaska. It sounds great!
Ponie on 05/01/2007:
I know this doesn't resolve your problem, but shouldn't your complaint be with your travel agency not Princess? Although I did see your comment that you may have booked with the worst travel agent/agency. Hope you still have a good time on the cruise. Happy anniversary and happy birthday to your wife.
rhondam718732 on 05/01/2007:
Reefdude, have you gone in person to talk to Esther?
reefdude on 05/01/2007:
Hi Ponie: Yes, my beef is with the travel agent. BUT Princess is the one that gave them a contract to act on their behalf , with a clause to NOT discuss anything financial with the customer, me, even though it's my money. That's what I'd call covering their own behind. The amount I was overcharged ended up in the pocket of Princess, with I'm sure a percentage going to the travel agency. I'm not arguing they don't have the legal right. It's simply unethical, a "dirty little secret". If you are the beneficiary in the end, how can you wash your hands of the situation? Well, easy, by saying we have a contract with the travel agent and that we are "not allowed" to discuss it because we are bound by the contract (which they gave them in the first place). How convenient for them. Thank you ponie for you well wishes. Either way, we WILL enjoy her birthday/our anniversary. I know what's important in the end. Just alittle hard to see the forest through the trees right now...
reefdude on 05/01/2007:
rhondam: Unfortuately I live half way across the country. Believe me, I would've already if I could. The supervisor finally called back and listened to my complaint. So far he has agreed with me, but you never know. He admitted as much that the notation on their computer for the extra charge was added TWO weeks after I started enquiring, and two days AFTER I last heard from Esther. Hmmm..... If it walks like a duck.....
tinamarie2130 on 06/26/2008:
I, too, had to file a grievance with Cruises-N-More for what appear to be fraudulent fees charged to my credit card after canceling a cruise. We were assured that if we canceled within a certain period of time, which we did, that we would receive a full refund. No mention of the separate fee imposed by Cruises-N-More until AFTER payment was made. It appears to be a fraudulent charge and we have reported it to the appropriate agencies. if you have not yet received satisfaction as they promised, contact the Federal Trade Commission, as well as the state Consumer Affairs Division of Florida (where they are based) and your home state. Good luck!
markz on 07/19/2009:
I booked Cruises-N-More and later on they raised te price, never again would I book with them.
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Special Cruises Bonuses
Posted by
Just completed a cruise I booked through cruises-n-more.com #(8860047). I booked with them before with no problems. This time it was a special sale with a number of bonuses including Prepaid Gratuities, Double Onboard Credits, plus other extras. I never received any information on the cruise other than receipt for payment in full. Before leaving on cruise I called and was told to do all registration online and credits would be received onboard.
I had nothing credited to my account once I got onboard and was told to contact my agent by the cruise line. I sent an email and called before leaving the cruise ship. The man I talked too didn't know why I wasn't credited but said it was probably too late and they would most likely issue a refund check. But he had to transfer me to another dept that handled this. Never heard from anyone else since then. A number of calls and emails with no response, phone always busy and voice mail full. It was between $200-300 in credits and payments which is why I booked with them. Terrible customer service and no more booking with them. I do 3-4 cruises a year and will continue, but be a little more careful with online travel companies. Stay away !
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Bait & Switch
Posted by
LAKE MARY, FLORIDA -- I booked a cruise with agent Marcus for Carnival Pride Category 8H. Their website clearly indicates "Free Gratuities". They have the same pricing as Carnival. I verified the pricing from Carnival's website 1517.76 with taxes plus $140 in gratuities for Balcony Category 8H. When I check the confirmation which I received via e-mail the price is $1506.00 (a $10 difference)and no mention of free gratuities. I e-mailed Marcus back and he says I am trying to put words in his mouth. I never promised free gratuities. The discount for the free gratuities is included in the pricing. If that's the case then pricing should be 1517.76 less $140.00 for gratuities. I don't what they're trying to pull!What about the free gratuities advertised on their web page. His supervisor called me. They think we are retarded. Do not do Business with this company under any circumstances.
I subsequently booked with another agency the same cabin same category at a better price.
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Anonymous on 08/12/2009:
If you book directly with Carnival you'll avoid a lot of hassle. Do you think a travel agent is booking you on Carnival for free? No they want to make money off of the deal.
azspots on 08/12/2009:
Looks as though all you really care about are "free gratuities".
Sukhwani on 08/12/2009:
I don't care about anything! Its what you advertised, there shouldn't be any bait and switch. I didn't ask them to advertise free gratuities. In fact I paid for gratuities at cruise.com who I had used last year for another cruise.On checking Cruises-N-More I found out that they price match Carnival's website pricing.
So basically it should be Carnival's web site pricing plus free gratuities which they refused to honor.
Cruise.com matched Carnival's pricing plus gave me a cabin credit advertised on their webpage which amounts to the same.
I don't know what their margins are and I don't expect them to work for free!!!!!!!!!!!!!!!!!
i_am_canadian on 08/12/2009:
This is not bait and switch.
Anonymous on 08/12/2009:
A travel agency will hide all kinds of fees while calling it part of the cruise fare. Book with the cruise company!
Sukhwani on 08/12/2009:
You can call it whatever you want! Telling me that the free gratuities are included as a discount in the pricing and not including them is one and the same!!!!!!!!!!!!!
Anonymous on 08/12/2009:
*rumages through her old comments to find the definition of bait and switch*
Definition of bait and switch:
A deceptive method of selling, by which customers, attracted to a store by sale items, are told either that the advertised bargain item is out of stock or is inferior to a higher-priced item that is available.
Anonymous on 08/12/2009:
Is there any "fine print" anywhere where they advertise this on their site? There's always fine print.
Sukhwani on 08/12/2009:
Fine print from Cruises-N-More website:
Cruises-N-More Promotions X
# Book any 2009/2010 Carnival Cruise and you may qualify for these bonus perks: Pre-Paid Gratuities or Onboard Credits -all bookings.
# 15% Off Shore Excursions -booked on our site.
# LOWER PRICES: Residents, Seniors, Military and Past Passengers -select sailings-CALL FOR DETAILS!
# IMPORTANT: Select prices listed on our website are under a non-refundable deposit promotion, however provides rate protection âso if the rate goes down Carnival will allow us to lower your price âeven after final payment.
# Restrictions: Minimum purchase is required to receive gratuities. Onboard Credits are based on your cruise fare amount and varies. Lower prices are valid on select sailings and you must book over the phone to receive these rates (if applicable). Select sailings offer a low price, however requires a non-refundable deposit (even prior to final payment). Additional restrictions apply with the non-refundable deposit promotion and Cruises-N-More is no responsible to changes to this offer. Restrictions apply.
Step 2 - Cruise Rates and Availability
Carnival Pride
Carnival Cruise Lines Carnival Cruise Lines
Carnival Pride Visual Tour
7 Night Port Canaveral (Orlando) & Bahamas Cruise
Departing on November 15, 2009
Departure Port: Baltimore, Maryland
Passengers: 2 adults
Pre-Paid Gratuities or Onboard Credits + 15% Off Shore Excursions + Lower Rates!
Cruises-N-More Promotions X
# Book any 2009/2010 Carnival Cruise and you may qualify for these bonus perks: Pre-Paid Gratuities or Onboard Credits -all bookings.
# 15% Off Shore Excursions -booked on our site.
# LOWER PRICES: Residents, Seniors, Military and Past Passengers -select sailings-CALL FOR DETAILS!
# IMPORTANT: Select prices listed on our website are under a non-refundable deposit promotion, however provides rate protection âso if the rate goes down Carnival will allow us to lower your price âeven after final payment.
# Restrictions: Minimum purchase is required to receive gratuities. Onboard Credits are based on your cruise fare amount and varies. Lower prices are valid on select sailings and you must book over the phone to receive these rates (if applicable). Select sailings offer a low price, however requires a non-refundable deposit (even prior to final payment). Additional restrictions apply with the non-refundable deposit promotion and Cruises-N-More is no responsible to changes to this offer. Restrictions apply.
Cabin Photo Category Location Price/Rate**
Inside Guarantee (IS) Inside $529.00 Select
Inside Stateroom (4C) Inside $599.00 Select
Inside Stateroom (4D) Inside $629.00 Select
Inside Stateroom (4E) Inside $639.00 Select
Ocean View Guarantee (OV) Oceanview $649.00 Select
Balcony Guarantee (BL) Balcony $649.00 Select
Inside Stateroom (4F) Inside $659.00 Select
Ocean View Stateroom (6A) Oceanview $699.00 Select
Balcony with French Doors (Obstructed View) (7A) Balcony $799.00 Select
Ocean View with Extended Balcony (8H) Balcony $799.00 Select
Ocean View with Extended Balcony (8I) Balcony $949.00 Select
Deluxe w/Large Premium Balcony (Obstructed View) (9A) Balcony $999.00 Select
Suite Guarantee (ST) Suite $1,149.00 Select
Suite with Large Private Balcony (11) Suite $1,249.00 Select
Penthouse Suite with Large Private Balcony (12) Suite $1,849.00 Select
** (port charges inclusive)
* *Cruise Pricing Terms and Conditions: From prices are per person (cruise only) based on double occupancy and do not include airfare, taxes, or government charges unless otherwise noted. From prices are based upon the lowest fare and are subject to availability. Your exact price depends upon selected day of departure, departure city, ship, cabin level and class of airfare available. Rates for third and fourth passengers are not shown. All prices and dates are subject to availability. All offers and upgrades are for selected dates, sailings, and cabin categories only, are subject to availability, and are capacity controlled. All prices and dates may not be available at time of booking. All information is subject to change without notice. We reserve the right to correct errors.
Early saver fares - Deposit must be submitted at time of booking. Any changes to the ship or sailing date prior to final payment are subject to $50 per/person service charge. This fare offers a price protection which covers a lower rate found at a later time as long as it was encountered on carnival.com or was a carnival advertised rate available to the general public, excluding group, membership programs, charter or other travel agent promotions not offered by Carnival to the general public. The lower rate must be for the same ship, sail date, category and number of guests; be a Carnival advertised rate and be available for booking at the time the request is submitted as determined by Carnival's reservation agents.
** Price breakdown appears after cabin selection.
Cruise Itinerary Notice: Cruise itineraries are subject to change without notice. Please verify Ports, Dates, and Times with the Cruiseline directly on ALL bookings before the sailing.
Cruise specials do not include port charges unless otherwise stated.
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©2009 Cruises-N-More. All rights reserved. Registered Seller of Travel: Florida #ST-22973, California #2032813-40 * Cruise-N-More guarantees that it can match any cruise line's price that is available directly to the public at the time of booking. Any offers that clients have received must be verified by Cruise-N-More in order to match the offer price. This guarantee only applies to new reservations and does not apply to group rates or rates that are not available to the general public direct from the cruise line.
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Rip Off and Poor Service
Posted by
I'm experiencing something similar with them now. I booked a cruise a few days ago. They said you had to buy insurance and then if you decided to cancel it, you would have to write cancel on the invoice and they would re-bill you with a corrected amount. Well ... sounds really fishy ... I told them that and heard a line of crap. OK .. its now a few days later .. I get all the travel documents, but no invoice. So .. I don't know the amount they are charging for, not only the cruise, but the insurance. You know .. there is something really wrong with this company. Things like this just don't happen with a legitimate company. I will see what happens on Monday, Tuesday, etc. .. but I suspect I will have lots of problems. I have had no problem with Vacations to go in the past. Cruises and More simply had a better rate ... verbally ... we will see how the invoice comes out. I hope I can always cancel, dispute, etc. through American Express. What a lot of worry for nothing. By the way ... good luck on calling these guys ... when I finally got through today, a person who worked there told me that they only had 3 people in the office. Wow .. I really feel more confident now. I really don't think they will be in business much longer.
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Never Had A Problem In 10 Bookings With Cruises-N-More
Posted by
FLORIDA -- Hi everyone,
I just had to write since I read the review about Cruises-N-More. I have used this company for the last 10 cruise bookings and I have worked with the same agent for all of them. His name Jim Miller and he is the greatest! He has always been prompt in returning my calls, finds me the greatest deals, calls me if a better deal becomes available, has helped several of my friends get great deals and even worked with the cruise companies in getting any problems straightened out for me. I am going on my 5th cruise to Alaska in May and it is on Princess. I have used Princess, Norwegian and Celebrity and while each of them are in their own class I have always found that even when I have called these companies for info that they are very professional and helpful.
I am sorry that this awful situation happened to this gentleman and I can certainly understand his frustration but that doesn't mean that all of the agents at Cruises-N-More aren't top notch. Everyone has had a bad experience with something, travel is the worst because you are setting high expectations for your well deserved time off.
For the person that endured this bad experience I say the next time you want to book a cruise try Cruises-N-More again and ask for Jim Miller and he'll make sure to get things done right for you! I haven't got one thing bad to say about them because I have been well taken care of!
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BokiBean on 04/16/2009:
Good info, thanks!
jcl on 07/16/2013:
We have used them 2 times and had a great experience. Different agent each time but alway courteous, friendly and proffessional. Plan on using them again in the near future.
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Quote Promise Broken
Posted by
LAKE MARY, FLORIDA -- I went through CruiseCompete.com to get quotes on a cruise in May on the Star Princess for 5 cabins (11 family members). I received 8 quotes, the lowest being from Cruises-n-More. This quote was based on "BB" category cabins. (I have this in writing). However, We have been put in BC and BD cat. cabins. We booked this cruise the lst of Oct. just a few days after receiving the quote. I have left emails and phone messages for the agent to please change the BD cabins (at least those 3) to BD cabins. She won't even do that.
Now, months later, the cabins are all booked. Esther, our agent, does not return phone calls or emails. Even her boss, Todd, the VP, emailed me that the BB cabins were not available when I booked and that I am stuck with what I have. I think this is wrong. It's like ordering a Cadillac, but getting a Chevrolet instead. Consumers need to be aware of this sort of practice.
P.S. This agency touts itself as the #1 agency for cruises of 2006.
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bho55 on 01/16/2007:
I would call your Credit Card company and cancel the order and left them know about the fraud. They should work with you.
Noneill on 01/17/2007:
Yeah that's not right. But don't cancel. Go ahead and go and try to have fun. The type of cabin is important to some people, but really it is only for sleeping. You will spend 80% of your time having fun, so try not to let this ruin the vacation. Next time book directly with the cruise line. Have fun.
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text: DIGITAL TREASURES : Item Viewer home : browse : advanced search : preferences : my favorites : about : help add to favorites : reference url back to results : previous : next Tires ready for the vulcanizers in the vulcanizing room TitleTires ready for the vulcanizers in the vulcanizing room Full Size Imagehttp://dlib.cwmars.org/cdm4/images/full_size/chicopee/49.jpg SubjectTire industry – Massachusetts – Chicopee; Rubber industry and trade – Massachusetts – Chicopee; Fisk Tire Company; Chicopee (Mass.) – Industries; Tires DescriptionCord tires awaiting vulcanization are dangling from metal hooks attached to pulleys. These pulleys ran on an overhead circular track. Because of this round shape, workers at the Fisk Tire Company referred to this section of the vulcanizing room as the "merry-go-round". PublisherC/WMARS http://www.cwmars.org/ Dateca. 1920 Typeimage Formatimage/jpg IdentifierFTC9 Languageen-US RelationIs part of the Fisk Tire Company collection at the Edward Bellamy Memorial Association, Chicopee, Massachusetts. add to favorites : reference url back to results : previous : next powered by CONTENTdm ® | Contact: June Stokoe ~ Digital Initiatives ~ C/W MARS ^ to top ^