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David Chaston reviews the dramatically different fortunes of bank shareholders and bank TD customers in 2012, and finds one group laughing, the other weeping
By David Chaston
If you are a term deposit investor, here's something to think about.
I assume you are not happy with the returns you are getting from your bank term deposit.
As 2013 starts, a one year bank term deposit returns about 4.2% before tax.
The range is narrow; ANZ and ASB offer 4.1% for a $10,000 one year deposit, BNZ and Westpac offer 4.2%, and Kiwibank offers 4.3%.
Among the second-tier banks, the Co-op Bank is at 4.1%, TSB is at 4.2%, RaboDirect and SBS are at 4.3%.
Newbie Heartland bank is still offering 4.65%, perhaps reflecting the fact that it has only just been registered as a bank after being a building society for the past two years.
The tax that will apply to your interest earnings will reduce those interest earnings by 17.5%, 28% or 30% depending on your overall income level - and the bank will take the IRD part even before you get paid.
Related Topics
That 4.2% could become 2.94% pretty quickly, after tax. (Use this handy tool to work out your actual returns.)
For most people that hurts.
And it doesn't help much that annual CPI inflation is 'only' 0.8% - (we'll get the December CPI rate on Friday, January 18.)
Here's a thought: if you are investing in a bank term deposit, you are probably comfortable with putting your money in that bank. (You have the choice of Kiwi Bonds, but they only return 2% gross.)
If you are ok with depositing it in a bank, why not consider buying bank shares?
There are three listed in New Zealand, and if you held these shares in 2012 you would not be complaining.
It is impossible to re-create your personal situation here (and I am not an adviser, so I wouldn't do it even if I could). But lets assume you had $10,000 at the beginning of 2012.
If you used that to buy ANZ shares on the NZX, you would have bought about 400 shares at NZ$25.10 each.
One year later, those shares would have been worth NZ$31.50 each. The gain would have been a spectacular 25.5%.
Plus you would have earned $896.00 in dividends over that year (in three payments of $0.66, $0.79 and $0.79 per share).
All up, your $10,040 (plus broker costs) at the start of 2013 would now be worth $12,600 and you would have been paid $896 in dividends (imputation credits and RWTx will apply).
If you had used that $10,000 to buy Westpac shares on the NZX, you would have also bought about 400 shares at NZ$25.20 each.
One year later, those Westpac shares would have been worth NZ$33.20 each, a gain of 31.7%. And Westpac would have paid you $1,000 in gross dividends (in three payments of $0.84, $0.84, and $0.82 per share).
All up, your $10,080 (plus broker costs) at the start would have become $13,280 plus the $1,000 dividend (imputation credits will apply and less tax).
If you had been really brave and used that $10,000 to buy Heartland shares at the beginning of 2012, you would have owned 20,400 of them because they only cost 49c each then.
One year later those shares are worth 69c, a 40% gain, and are valued at NZ$14,076. Heartland did not pay any dividend in 2012.
You could sell down your holding to generate cash, but the gains you realise when you sell will become taxable.
Whatever way you look at it, those gains would have been far greater than the NZ$430 gross a term deposit would have earned you. (The average one year TD rate at the start of 2012 for the main banks was 4.3%.) Heck, the dividends alone from either ANZ or Westpac would have been greater.
And also far greater than choosing a term PIE, which can offer slightly better effective interest rates than regular term deposits.
Buying shares is not a risk free option of course.
If any main bank failed, there is an implied government guarantee for depositors and small depositors would be unlikely to take any haircut from the RBNZ OBR processes. Shareholders would be wiped out, however.
And more likely, the value of the bank shares could fall, and/or the level of dividends could be reduced.
Do you think that will actually happen in 2013?
If we use 2011 as a guide - being the tough year for banks after the GFC pressure worked their way through the economy - ANZ's share price started that year at NZ$26.85 and ended the year at $25.10 for a small loss. It paid dividends of $1.40 per share during that year, or $560 for 400 shares. Westpac's share price started 2011 at $25.13 and ended at $25.21; it paid $2.36 per share in gross dividends, or $944 for 400 shares.
In 2011 you would have taken a bath if you had Heartland shares. They started that year at NZ$0.78 and ended 2011 at just $0.49 each. Even at the beginning of 2013, they are not yet back to the $0.78 level.
There you have it. History is never a reliable guide for the future. Whether bank shares are right for you will be something you will need to decide for yourself. What is your risk tolerance?
In 2012 however bank shares far out-performed bank term deposits.
Bankers 4,280, savers 430.
12 Comments
On the other hand...when the
On the other hand...when the can, can no longer be kicked down the road and the bank balance sheets turn septic..your bank shares could and will dive in value..and you will not get a dividend....how you like them apples.
Exactly Wolly! Them apples,
Exactly Wolly! Them apples, not very tasty...
Citigroup lost over 4/5 of it's worth a few years ago, after a stellar rise in which most insiders sold out way before the bottom.
Share holders lost out; bond holders, were bailed out!
Who do we wanna be...?
Tell me the last time ANZ
Tell me the last time ANZ didn't pay a half-yearly dividend Wolly. Not once has it missed in over thirty years (refer ANZ website) and probably a lot longer than that.
Tell me, how many years ago
Tell me, how many years ago was it that ANZ would have gone belly up without the Government Guarantee, put up by taxpayers. Give you a hint, wasn't that long ago, try 2008. That's only 5 Years.
ANZ (and the other banks)
ANZ (and the other banks) would not have gone 'belly-up' without the Crown Guarantee. That was put in place by the then Labour Govt to stop capital flight (in response to a similar scheme in Australia). The banks were, and still are well-capitalised.
If they were so well
If they were so well capitalised, then why did they need taxpayer support? Either you have the money to pay back depositors when due, or you don't. Really quite a simple concept.
The banks were always able to
The banks were always able to pay their depositors, Crown G or not. Don't forget, bank shareholders were not covered by the G. The point of the Crown G was to stop capital flight at a time of unprecedented financial unrest, and the G to that extent was very successful. It was a different story with the finance companies, but that's not the point of this discussion. The banks did not need one cent of taxpayers' money.
Long term ownership of high quality shares gives both superior yield and capital growth to the holders.
There you have it. History is
There you have it. History is never a reliable guide for the future. Whether bank shares are right for you will be something you will need to decide for yourself. What is your risk tolerance?
In all seriousness, it is difficult to imagine a backdrop more poised for the extraordinary. Bolstered by unprecedented global monetary radicalism, the global Bubble gathered important momentum in 2012. This ensures that the dysfunctional "risk on, risk off" ("roro") speculative dynamic turns only more unwieldy in 2013. Policy measures guarantee that the historic "crowded trade" in international risk markets will only more forcefully crowd the manic crowd on one side of the crowded boat – or the other. This implies fatter "tail risks" – with emphasis on the "s" – the plural – of left (Bubbles burst) and right (inflating Bubbles turn much more unwieldy) "tail" developments.
Let's start with a little "right tail" pontification. In simplest terms, how crazy could things get this year? I recall how crazy the SE Asian Bubbles turned in the fateful post-Mexican bailout year of 1996. Then NASDAQ almost doubled in the crazy, post-LTCM bailout speculative melee of 1999. And when the Fed made it clear that it would disregard mortgage and housing Bubbles, excesses grew exponentially – 2004, 2005, 2006… until the Bubble finally began to collapse under the weight of subprime Credit craziness in 2007. The long history of speculative Bubbles favors the scenario where they end in self-destructive "blow-off" excess. Read Full Article- CBB
Given the massive central
Given the massive central bank printing going on in the world is clearly supporting asset prices, then the big four banks should find it relatively easy to at least maintain or lift their loan books in Australasia this year. Apart from NAB owning a loss making UK bank, I don't think the big four are massively exposed to really toxic assets like European banks, or sub prime non payable loans. Maybe some marginal mining investments. Maybe some dodgy stuff in Asia. But probably small beer.
Although their total shareholder return in 2012 ranged from NAB at 14% to Westpac at 33%; my broker's website (commsec) shows avarage annual returns over 5 years ranging from 0.6% at NAB (UK bank effect again) to 6,7,and 11% for ANZ, WBC and CBA respectively. PE's in the 10-14 range (implying a 7-10% annual return if there was no profit growth) suggest they will likely give at least that sort of return over the next year or two. Dividend yields are at 5-7%, and all four at least hold on to them fairly passionately.
When it seems a no brainer, maybe it's not. Decide your own risk levels, if you jump in, best to spread over at least 2-3 banks, in case any one has something dodgy in the closet.
Your dividend details are
Your dividend details are wrong, ANZ pays its dividends half yearly, with details on their ANZ website. 66c and 79c AUD/share in July and December. Also interesting to note that the dividend has increased in each of the past four years,
And what's this about paying tax on the capital gain? (if sold), Not necessarily, only if you are a 'trader' rather than an investor. If the capital gain is not income, then no tax is payable.
Owning shares is no-brainer. The yields are better, liquidity is better, not subject to interest rate risk, and your capital will grow with earnings growth. Better diversity, income can be spread (timing of dividends) and there is no penalty for early repayment, as with bank TDs.
As a former banker and now sharebroker (and AFA), I would plump for equities any time.
David you're wrong ,
David you're wrong , Heartland did pay a dividend in 2012. 1.5 cents on 21/12/12


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5 Is this his best movie?bornandbled | 06/08/2007 | See all bornandbled's reviews (14)We all know about Bruce Lee, the legend. This was his only film that he Directed. Parts of the film serve as a metaphor for when he arrived in the US as a teenager. The beginning when he struggles to communicate with a child and waitress for example, when he's hungry. And in the airport when he's being stared at by white people, because he's Asian.Bey Logan gives some insightful commentary on the special features and the classic battles with Bob Wall, Whang In Sik and of course, Chuck Norris.You must realise when watching this film that it was a massive achievement. Never had an Asian actor commanded such control before, never had they let anyone take a film abroad and shoot it in Europe like in this. Many of the extras were just passers by and eny real footage in the Colloseum was shot illegally as filming wasn't allowed.I love this maybe the most of all his films, maybe because it's the first one i saw. It's such a shame Game of Death was never completed, that would've been a masterpiece, the greatest martial arts movie of all time. Instead we must marvel at we he did achieve as opposed to what he might have. The choreography in this film is second to none and light years ahead. There were great movies made 10 years later, such as Drunken Master even, that couldn't touch Bruce's action directing. Just watch how so many films after this have slower choreography, simply because Bruce Lee was so far ahead of his time.
5 Best there was, Best there ever will be!backinblack | 03/05/2007 | See all backinblack's reviews (119)Ok so as a film Way of the Dragon is low budget but the thing that elevates it to a classic is it's star - Bruce Lee. Lee is really at his peak here showing timing, speed and effortless grace. This uncut version contains the fight scene in the alley where Bruce Lee's character Tang Lung uses Nunchaku against the local mafia gang who are armed with an array of weapons. Other highlights include Lee's fantastic battle with Bob Wall and the epic encounter with Chuck Norris which has since achieved legendary status. As well as some superb action there is also some comedy which perhaps shows off the lighter, more real side of Bruce Lee. The dvd transfer here is excellent as are the special features - if you're a fan or just someone who has yet to check out what all the fuss was about then this should be in your collection.
5 Classic....enough saidDavidFisher | 29/04/2007 | See all DavidFisher's reviews (13)what a great film! great action, great actors, hell, theres even some comedy thrown in for good measure. Plus theres that famous fight scene between Bruce Lee and Chuck Norris, what more can you ask from a film?
4 very goodtommygun1966 | 08/01/2011 | See all tommygun1966's reviews (427)way of the dragon was the only film that bruce lee wrote and directed before his death and very good it is.i would of give it 5 stars but for the opening 20 mins which was a bit boring.but that isnt taking anything away from the great man.this is truly a masterpiece with some breathtaking fight choreography especially in the alley and the final fight between bruce and chuck is still talked about even today as one of the best fight scene in martial arts.i wouldnt say that but it is brutal and great to watch.overall a classic brucie
4 ass kicking funawesomecity | 10/07/2008 | See all awesomecity's reviews (987)alot of people think this is the best movie. i guess its up to you, i think its the second best. it is very good.

subset: commoncrawl


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Yes!!!....My order has arrived!!!....Without a hitch as usual- same great service, packaging, mailing....This is truly my one-stop shopping store for...Read More ->
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Useful links for 1amo
The structure was published by Wang, M., Roberts, D.L., Paschke, R., Shea, T.M., Masters, B.S., and Kim, J.J., in 1997 in a paper entitled "Three-dimensional structure of NADPH-cytochrome P450 reductase: prototype for FMN- and FAD-containing enzymes." (abstract).
This crystal structure was determined using X-ray diffraction at a resolution of 2.6 Å and deposited in 1997.
The experimental data on which the structure is based was not deposited.
This PDB entry contains multiple copies of the structure of NADPH-CYTOCHROME P450 REDUCTASE.
It also contains one or more heterogenic compounds (e.g., ligands, co-factors, ions, modified amino acids, etc.); see here for a complete list.
The molecule has more than one probable quaternary state observed. For more details see the quaternary structure page.
The following tables show cross-reference information to other databases (to obtain a list of all PDB entries sharing the same property or classification, click on the magnifying glass icon):
This entry contains 1 unique UniProt protein:


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quote:Averey will be the first to admit that she's extremely sexual and will try anything once. When it comes to sex, she's insatiable
quote:Apparently he has a "big secret" that he's been keeping.
quote:Outside of the slut chick, theyve got some busted looking bitches on this season
quote:I wish I pulled tail better than these bitches. I'd lay pipe to every single one like it was my job.
quote:Jessica, 22, was living in Fayetteville, N.C.: "I wanted to get outside of Fayetteville
quote: Image: http://mtv.mtvnimages.com/onair/realworld/season28/images/series_images/logo/456x330.jpg?quality=0.85
quote:Marlon Williams - Apparently he has a "big secret" that he's been keeping.
quote:Is it because that girl got replaced or will it be 8 from the beginning?
quote:ahhh, good call. 7 strangers.


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Release Date:
June 12, 2001
By their fourth album, Sugar Ray had developed a real ease to their music. Starting with "Fly," they no longer tried so hard to rock -- they no longer tried to ape the Red Hot Chili Peppers -- and began relaxing into a sun-kissed, laid-back groove, the kind of music where even the fast numbers powered by distorted guitars don't necessarily sound heavy. This came to the forefront on 14:59, but it blossoms on that album's follow-up, Sugar Ray. Where 14:59 was a little self-conscious and jokey (culminating in a cover of Steve Miller's "Abracadabra"), Sugar Ray feels easy and natural, so it's easy to smile at the reference to Run-D.M.C.instead of cringing. And that'sthe key to the record -- it's relaxed, utterly without pretension, and often charmingly melodic. Sure, there are some cuts that fall flat, but this record is more consistent than any of their previous albums, thanks not only to a stronger set of material, but the fact that the band is gelling as a band, which makes even the missteps easier to listen to. Best of all, the band never runs from their past, adding another great summer single to their arsenal with "When It's Over" (easily the equal of "Fly" and "Every Morning"), while even sampling "Every Morning" on "Ours." All this doesn't make Sugar Ray seem new, but there's charm to their performances, which make the album seen fresh, all the same. For a supposed one-hit wonder, it's remarkable that they've released their best album four records into their career. Stephen Thomas Erlewine, Rovi
- Genre: Rock
- Subgenre: Hard Rock, Pop/Rock
- Category Post-Grunge, Adult Alternative Pop/Rock, Heavy Metal
- Artist: Sugar Ray
other Info.
- Online Item #: 11708357
- Store Item Number (DPCI): 244-09-0932
- Made in the USA or Imported


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Sam Robson scored an unbeaten century as the England Performance Programme enjoyed a productive day with both bat and ball against a Western Australia XI.
The EPP declared on 220-2 on the second day of their three-day contest in Perth before reducing the hosts to 167-6 as Tymal Mills took three wickets in quick succession.
The EPP started the day on 34-1, with Robson and Test hopeful Gary Ballance putting on a second-wicket stand of 193 in sweltering conditions.
Robson compiled an unbeaten 108 - his second century in successive games on tour - while Ballance contributed 89 to the cause.
The declaration came when Ballance's 126-ball innings was ended, giving the bowlers a chance to make inroads into Western Australia's batting line-up.
Mills then took three wickets in his first eight deliveries as WA took a lead of 266 with one day remaining.
The hosts slumped to 14-4 in reply, with Mills tearing through the top order and Chris Jordan taking the other early wicket.
Moeen Ali's off-spin then struck to further reduce WA to 32-5, but an 89-run partnership between John Rogers and Tim Armstrong saved the home side from embarrassment.
James Vince brought the stand to an end when he bowled Rogers for 45 before WA reached stumps with four wickets remaining.


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Did you know that our forebears grew and used many herbs and weeds to maintain their health? Did you also know that today a significant percent of US population uses herbs and botanical products to help treat and prevent disease and enhance quality of life? If you are interested in using herbs and herbal products but the purchasing price does not fit your budget, come and learn how easy it is to grow medicinal herbs in your garden and the basics of how to make herbal preparations. The workshop will also feature specific folk medicine herbs that the Pennsylvania Germans settled into the Kutztown area used to treat common health problems.
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Instructor: Eileen Weinsteiger


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Australian ecommerce site Catch of the Day has revealed it suffered a security breach three years ago after it sent an email advising customers to change their passwords.
In early 2011, hackers stole names, delivery addresses, email addresses, hashed passwords and even some credit card details from the firm, which contacted police and banks at the time.
Jason Rudy, executive GM at Catch Group, said: "We unreservedly apologise to our customers for this incident.
"We take data security seriously and have taken strong measures to protect their personal information."
The company said that they were informing users of the breach because technology advances might have put the hashed passwords at risk, and advised those who had not changed their password since May 7 2011 to do so.
It added that it had informed the office of the Australian information commissioner, which was not made privy to the breach at the time it occurred.
The Labor opposition has previously criticised the incumbent coalition for stalling legislation that would oblige companies and government bodies to inform customers when privacy had been breached.
Tim Keanini, CTO of security firm Lancope, told Forbes the lag in disclosure was "a ridiculous amount of time".
"If these users are still using the same passwords for the past three to four years, we have even bigger problems," he added.
We have updated our privacy policy. In the latest update it explains what cookies are and how we use them on our site. To learn more about cookies and their benefits, please view our privacy policy. Please be aware that parts of this site will not function correctly if you disable cookies. By continuing to use this site, you consent to our use of cookies in accordance with our privacy policy unless you have disabled them.


text: hi list, I'm not only a linux newb but a definate lfs newb too.. so go easy on me here.. working thru the 6.3 build (VM on an ESX 3.5 server) and got my bash profile created and done a "source ~/.bash_profile" all is well, however want to mount the lfs live cd now, and cannot mount from the lfs user. the CD is the 6.3, and when doing a "su root" I've obviously come across a roadblock.. cannot find the live-cd root password documented... anywhere. apologies in advance if this is total newb stupidity.. couldn't see anything in FAQ or previous lists.. nick


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EOF - If You Don't Believe in DRM, It Can't Hurt You
too bad I can't leave comments there. DVDs get copied really easy.
It gets pirated anyway.
Everything gets pirated, DRM or not.
Absolutely. The fact is, if p
Absolutely. The fact is, if pirates (or even the merely curious and bored) want to break something, it will be broken and, probably, distributed in a broken form. People who are willing to circumvent the law will get the broken (ie, fully functional) version; people who are "honest" get the function-limited version. By paying for the genuine article they receive a product of lesser value. So where is the incentive to be honest?
James's Law?
There needs to be a named Internet Law (like Godwin's, etc.) that states something along the lines of:
As a DRM scheme grows more complex, the ratio of illegitimate users affected to legitimate users affected approaches zero.
The only people DRM hurts are those who purchase the DRM'd product. Pirates will crack it, then distribute the product with DRM disabled. This is not hard to understand.
Don't forget artists
DRM also hurts artists when it's easier to use an illegal copy than a paid-for but DRM-infected copy.
It's not about honesty.
If it were about honesty, there would be some form of ethics involved.
One bit of information?
This may be a little pedantic but ...
Bill Gates of Microsoft, in an interview with gizmodo.com, tried to pitch DRM using the example of an HIV test result, which is literally one bit of information.
According to Shannon's Information Theory, an HIV test result would only be "literally one bit of information" if the test result has a 50% chance of being positive and 50% chance of being negative.
Now, while these a priori probabilities may be the case for a health service primarily serving gay prostitutes in Thailand, for the general population something like 99%/1% would be closer.
This would require something like
H(T) = -0.01 log2 0.01 - 0.99 log2 0.99
= 0.0664 + 0.0144
= 0.0808 bits
or 8% of a bit!
NB: This makes the author's original argument even more compelling.
See: http://en.wikipedia.org/wiki/Information_theory
One Bit?
I might be missing something but I cannot see how you could convey a test result (+ve/-ve) with less than one bit (regardless of how much "information" is in that bit.
You can convey the result in
You can convey the result in less than one bit of actual data if you compress it along with other stuff. For example, assume 1 in 16 of 15000 independent tests are positive and you want to encode these 15000 bits. Without even getting into serious compression algorithms, let's pack results in groups of two:
0 both negative
100, 101 one or the other positive
11 both negative
This crappy code uses an average of 0.5*(225/256)+1.5*(15/256)*2+1*(1/256), that is (112.5+45+1)/256 =
0.619, bits per input bit.
it takes more bits to explain the 8% bit.
leakable bits
But we're only concerned with test results that are at risk of being leaked, not all the test results in the whole database. Untrustworthy employees are probably more likely to leak a + than a -.
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Complements 10708DWH-S Drizzle Nightstand Table Lamp, Brushed Steel
Product Description
Available while supplies last.
28" Brushed Steel Table Lamp
- White fabric laminated to styrene hardback drum with self fold trim.
- 3-way turn knob switch on the socket.
- 7.5' clear silver SPT-2 cord set with a two-prong polarized plug.
- Harp size: 8"
Finish: | Brushed Steel | |
Shade: | White | |
Materials: | Steel, Fabric | |
Voltage: | 120 volt | |
Weight: | 8 Pounds | |
Installation: | Dry Locations [Explain] | |
Listing: | , CUL Listed | |
Number of Lights Refers to the number of lights on a given fixture. Choose from a wide variety of different fixtures ranging from 1 - 6+ lights. | Number of Lights | 1-Light |
Shade Material | Fabric Shades |
Bulb sold separately
Dimensions & Weights
Shade Top: | 12 inches |
Cord Length: | 7 feet 6 inches |
Width: | 14 inches |
Height: | 28 inches |
Shade Bottom: | 14 inches |
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5 out of 5
Write a ReviewStylish and Affordable Lamp
By Ryan F. from Bloomington, MN on Jun 07, 2010
Bargain Hunter, Stylish
This lamp has a good modern feel and looks good in my living room with my other steel and Walnut pieces. The lamp was much more affordable than options in local retail stores. The shade has some weird puckering issues and looks pretty cheap. I might look to replace the shade. The package arrived quickly and came very adequately protected in the packaging.
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Almost Perfect
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Beautiful, stylish lamps.
By Theresa G. from Charlotte, NC on Mar 30, 2011
After searching for the perfect lamps for my new bedroom, I am thoroughly pleased with these lamps. They are gorgeous! They even look better with silver shades!!
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Great Lamps
By SUSAN S. from ENGLEWOOD, CO on Dec 26, 2011
Stylish, Avid Do-It-Yourselfer
These lamps and beautiful and very well made. Very sturdy and clean lined. Love the 3 way light bulbs. Two lamps for this price is great.
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Review of 10708DWH - 28" Drizzle Nightstand/Table Lamp
By Ennio G. from Toronto, ON on Aug 22, 2011
Excellent product and easy to assemble.
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Group # | 641328 |
Category | Table Lamps - 95 |
Style | Modern - 3 |
Sales Rank | 311 |
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Product Description
Available while supplies last.
This is the perfect shower kit for smaller bathrooms. Benefit from the round acrylic base and the premium sliding door.
- Clear glass
- Shower pan and shower doors
- CSA Certified
- 5 year warranty
Materials: | Glass, Stainless Steel | |
Weight: | 108 Pounds | |
Usage: | Assembly Required | |
Listing: | CSA America, Quick Ship, Duty Free in Canada, CSA Listed | |
Warranty | 5 Year Warranty | |
Glass Type | Translucent | |
Shower Installation Type | Corner |
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Category | Shower Enclosures - 576 |
Style | Modern - 3 |
Sales Rank | 12 |
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The Ticket - CANTON, Ohioâ??Mitt Romney is spending his final day before Super Tuesday traveling through eastern Ohio, a region that has been especially hard hit by job losses and housing foreclosures. Romney aides have long argued that this kind of political landscape favors their candidate in a general election match-up against President Obama. But that was before [...]
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The Ticket - The weekend before Super Tuesday, an NBC-Marist Ohio poll of registered voters shows Rick Santorum edging out Mitt Romney, but just barely. The topline results: 34% for Rick Santorum 32% for Mitt Romney 15% for Newt Gin... Read Post
CANTON, OH -- Mitt Romney opened his final day of campaigning in Ohio with a focus on the economy, a simple, disciplined message his campaign hopes will propel him to victory in this key Super Tuesday state. "If you think this campa... Read Post
Romney may finally put this away tomorrow, when 10 states hold their Republican primary contests. Mitt Romney has now won five Republican contests in a row. Since Rick Santorum's surge, Romney has won caucuses and primaries in Maine... Read Post


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I always get the best reaction when I tell people that I come from Nairobi, the capital city of Kenya. Kenya is the relatively small country in East Africa famous for wildlife and fast runners (no correlation; you should visit!). It is exactly like Los Angeles with its mild climate and in being an absolutely wonderful place to live in!
My name is Akash Shah. I am a freshman Physics major, and I spent my last summer home in the national parks casually admiring elephants and lions. Why Physics? I have been messing around with motors and circuits before I could eat solid foods, and I finally decided to get a more formal education in it. Additionally, I am an amateur astronomer and the sky is more than just a fascination with me, so physics is the obvious course for furthering my interests. You can imagine my constant excitement in living less than half a mile away from Space Shuttle Endeavor! Did I mention that Neil Armstrong completed his graduate studies at USC?
So far it has been less than two months since I moved in at USC and less than three that I have been in the United States, and yet the experiences I have had are comparable to the 18 years of the rest of my life. I have spoken with numerous faculty members, discussing the implications of the discovery of the Higgs boson; enjoyed fried oreos in typical American fashion at the Los Angeles County Fair; admired the 6-year old skateboarder absolutely killing it on the skate parks at Venice Beach… it is sufficient to say that I have had my mind blown on a daily basis and several times when there is a physics colloquium: a gathering of professors and students discussing their research.
There has been more than a few times when I have felt that the Earth's rotation around the sun should perhaps slow down significantly to give us 42 hours a day. These extra hours would allow me to play golf, run a little, and of course, discuss ideas. In my free time I enjoy watching sports, playing League of Legends, discussing ideas, and reading (have you ever felt that every book is the best book?). I am also part of the Students Taking Action in the Name of Diversity (STAND) group at USC where I am in training for facilitating discussions based on diversity issues. There is always so much to do, but some personal reflection time is also necessary. As a new, extremely content student at USC, I strongly suggest you fight on!


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asset disposal
BPI Auctions is the only best organization for your capital if you are going to sell something and if you want to sell it by auction. In my company's plant machinery I got really high prize for machinery in the auctions.
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1101 days ago in Celebrities


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Strategic collusion in auctions with externalities
- Omer Biran
- … show all 1 hide
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We study a first-price auction preceded by a negotiation stage with complete information, during which bidders may form a bidding ring. We prove that in the absence of externalities, the grand cartel forms in equilibrium, allowing ring members to gain the auctioned object for a minimal price. However, identity-dependent externalities may lead to the formation of small rings, as often observed in practice. Potential ring members may condition their participation on high transfer payments as a compensation for their expected (negative) externalities if the ring forms. The cartel may therefore profitably exclude these bidders, although risking tougher competition in the auction. We also analyze ring (in)efficiency in the presence of externalities, showing that a ring may prefer sending an inefficient member to the auction, if the efficient member exerts threatening externalities on bidders outside the ring, which in turn leads to a higher winning price.
- Bajari P., Ye L. (2003) Deciding between competition and collusion. Review of Economics and Statistics 85: 971–989 CrossRef
- Biran, O. (2007). Efficiency and the final consumer in resale markets with externalities. Master Thesis, Technion-Israel Institute of Technology.
- Biran, O. (2011). Mécanismes d'échange en présence d'externalités. PhD Thesis, Université Paris-Dauphine.
- Biran O., Forges F. (2011) Core-stable rings in auctions with independent private values. Games and Economic Behavior 73: 52–64 CrossRef
- Bloch F. (1996) Sequential formation of coalitions in games with externalities and fixed payoff division. Games and Economic Behavior 14: 90–123 CrossRef
- Bloch F., Gomes A. (2006) Contracting with externalities and outside options. Journal of Economic Theory 127: 172–201 CrossRef
- Caillaud B., Jehiel P. (1998) Collusion in auctions with externalities. RAND Journal of Economics 29: 680–702 CrossRef
- Graham D. A., Marshall R. C. (1987) Collusive bidder behavior at single-object second-price and English auctions. The Journal of Political Economy 95: 1217–1239 CrossRef
- Haeringer G. (2004) Equilibrium binding agreements: A comment. Journal of Economic Theory 117: 140–143 CrossRef
- Hendricks K., Porter R., Tan G. (2008) Bidding rings and the winner's curse. RAND Journal of Economics 39: 1018–1041 CrossRef
- Jehiel P., Moldovanu B. (1996) Strategic nonparticipation. RAND Journal of Economics 27: 84–98 CrossRef
- Jehiel P., Moldovanu B. (1999) Resale markets and the assignment of property rights. Review of Economic Studies 66: 971–991 CrossRef
- Jehiel P., Moldovanu B., Stacchetti E. (1996) How (not) to sell nuclear weapons. American Economic Review 86: 814–829
- Jehiel P., Moldovanu B., Stacchetti E. (1999) Multidimensional mechanism design for auctions with externalities. Journal of Economic Theory 85: 258–293 CrossRef
- Mailath G.J., Zemsky P. (1991) Collusion in second price auctions with heterogeneous bidders. Games and Economic Behavior 3: 467–486 CrossRef
- Marshall R. C., Marx L. M. (2007) Bidder collusion. Journal of Economic Theory 133: 374–402 CrossRef
- McAfee R. P., McMillan J. (1992) Bidding rings. The American Economic Review 82: 579–599
- Porter R., Zona D. (1993) Detection of bid rigging in procurement auctions. Journal of Political Economy 101: 518–538 CrossRef
- Porter R., Zona D. (1999) Ohio school milk markets: An analysis of bidding. RAND Journal of Economics 30: 263–288 CrossRef
- Ray D., Vohra R. (1997) Equilibrium binding agreements. Journal of Economic Theory 73: 30–78 CrossRef
- Ray D., Vohra R. (1999) A theory of endogenous coalition structures. Games and Economic Behavior 26: 286–336 CrossRef
- Ray D., Vohra R. (2001) Coalitional power and public goods. The Journal of Political Economy 109: 1355–1384 CrossRef
- Robinson M. S. (1985) Collusion and the choice of auction. The RAND Journal of Economics 16: 141–145 CrossRef
- Title
- Strategic collusion in auctions with externalities
- Journal
Theory and Decision
Volume 75, Issue 1 , pp 117-136
- Cover Date
- 2013-07-01
- 10.1007/s11238-012-9330-7
- Print ISSN
- 0040-5833
- Online ISSN
- 1573-7187
- Publisher
- Springer US
- Additional Links
- Topics
- Keywords
- Auctions
- Collusion
- Externalities
- Bargaining
- Sub-game perfect
- Industry Sectors
- Authors
- Omer Biran (1)
- Author Affiliations
- 1. CEREMADE, Université Paris-Dauphine, Place du Maréchal de Lattre de Tassigny, 75775, Paris, France


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BATON ROUGE, LA. (NBC33) — The SPCA of Livingston is proud to present the 3rd Annual Bow-Wow-Ween Pet Festival featuring Scott Innes, on October 29th, 2011.
The Festival will be from 10:00 a.m. to 5:00 p.m. at the Train Depot in Denham Springs, LA.
Over 50 different vendors will be there offering pet treats, clothes, toys, arts and crafts, and other non-profit animal rescues from the area will also be in attendance. There will be a photo booth, face-painting and animal balloons.
Nashville recording artists Winfield's Locket will be performing, along with Scott and Presley Innes, Mike Fontenot & the Southern Sound, Jim and James Hogg and Paul Dunlap.
Hot dogs, hamburgers, and Pastalaya will be available for purchase, along with Coke products.
The highlight of the day will be the Pet Costume Contest with four divisions: Best Team Spirit, Best Pet/Parent Duo, Best Overall, and Crowd Favorite. The winners will all go home with fabulous trophies and prizes. The kids won't be left out, because there is a costume contest for them too. Come trick-or-treat with your favorite pets. Bring the entire family!
To register for the costume contests you can register at the SPCA tent when you get there or buy tickets ahead of time at the SPCA website here [1] for a discount.


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Skip to Content - Skip to Navigation
Home > Academics > Colleges > Eberly College of Business and Information Technology > Management > Programs of Study
Department of Management
The Bachelor of Science degree with a major in Management offers three tracks in which students can choose to concentrate: General Management, Operations Management, and Entrepreneurship and Small Business Management.
Students in the Operations Management track are well grounded in both theory and application, focusing on production, operations, quality issues, and inventory and capacity management.
For more information, see the undergraduate catalog.


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Using Verizon Personal Hotspot on your new iPad: the basic setup
One of the nice features about getting the Verizon edition of the new iPad is that you get the Personal Hotspot feature free with any data plan. Not familiar with the concept of a Personal Hotspot? It's the way to use your iPad as a mobile Wi-Fi hotspot, sharing your 3G or 4G connection with up to 5 other people. After I had my Verizon data plan set up, I found it perplexing that the Personal Hotspot button in Settings wasn't visible. There's a simple trick to try that will make the button appear if it doesn't show up automatically in Settings.
Normally, once you sign up for a Verizon data plan the Personal Hotspot button appears in the Settings sidebar as you see in the image at the top of this post. For me, it still hadn't shown up after 36 hours of waiting. The trick to making it magically appear was to go into Settings, tap General, and then tap Network. At the top of this panel is the Personal Hotspot button, which can be toggled on with a tap. Strangely enough, just opening the Network panel also made the Personal Hotspot button in the Settings sidebar visible.
Now, to turn on the Personal Hotspot, tap the button and a Personal Hotspot settings panel appears. Before you do anything else, you may wish to change the Wi-Fi password that is provided by default to something that's more memorable. To do so, tap on Wi-Fi Password (see screenshot below) and enter your new password, then tap Done.
When you're ready to share your Wi-Fi connection, tap the On button to toggle the Personal Hotspot on. You can also connect to the Personal Hotspot through Bluetooth or a USB cable.
For me, having Personal Hotspot as part of my Verizon data plan is going to save me money. Right now, it's an add-on on my AT&T iPhone data plan -- I'll be able to cancel that add-on and save a few bucks.
Source: http://www.tuaw.com/tag/how-to
Software Updates
more updates- Apple Remote Desktop updated with Yosemite support
- OS X Yosemite 10.10.2, iOS 8.1.3 updates now available
- Sports Illustrated 120 SPORTS channel comes to Apple TV
- Logic Pro X update brings AirDrop support, new effects, tools, and more
- Parallels Access 2.5 released, adds file manager, computer-to-computer remote access
- The Google Translate iOS app is about to get a lot smarter


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TIL a woman named Irena Sendler, who worked in the Warsaw Ghetto during WWII, saved 2,500 Jewish children's lives by smuggling them out, she was eventually caught and tortured. In 2007 she was nominated for the Nobel Peace Price. She was not selected. Al Gore won, for a slide show on global warming.Not verifiable (#1) (en.wikipedia.org)
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- Life As Mom - http://lifeasmom.com -
This Week's Dinners for $70 or Less (Bonus: Trader Joe's Shopping Plan)
Posted By Jessica Fisher On March 23, 2014 @ 3:46 pm In Budget Living,Meal Planning,Popular Posts | 54 Comments
Want to cook this week's dinners for $70 or less? Check out this week's meal plan.
This post is going to be short and sweet. I've used all my brain cells creating this week's meal plan document. Not only does the plan contain seven meals that will please kids and adults alike, but it also features a master prep list, a full-length peek at the week and how to mix and match ingredients, and a $70 price tag.
An added bonus is that everything (except yeast) can be purchased at Trader Joe's. We used that store with the healthier ingredient guarantee as the basis of this plan's cost analysis. Prices may vary from state to state, but they are generally pretty similar. I also know that you can probably find ingredients for less at lots of other stores or if you shop sales, so I'm feeling pretty confident about the pricing here.
Of course your mileage may vary. Be sure to read all. the. notes. I've included lots of little cheats to help you keep costs down as well as have an easy meal plan to work through during the week. The notes are where your cost and time savings will be explained. So read them! You can do a lot of the prep on one day and then simply assemble supper as the week progresses. At times, we veered from the recipe a tad in order to save you some coin.
Keep tabs on leftovers — don't let your teenage sons steal them — as they will be all used up by the end of the week in different recipes. Waste not, want not.
The plan is formatted as a full-color pdf [4]. If you don't want to use the colored ink, be sure to change the setting in your print window. Alternatively, save a tree and save the pdf to your iBooks or other pdf library on your tablet or phone. Just be sure to take your device to the store with you.
You can download the meal plan along with the grocery lists, prep instrux, and cheat sheet here [4].
In addition to the 40+ meal plans [15] already available on Life as MOM, we're now preparing meal plans with a week's worth of recipes that build on one another and that cost under $70 for the whole week of dinners [16].
Obviously this type of plan is a little more time-intensive to prepare than previous meal plans, so we won't be posting them on a weekly basis, at least not at the start. Any constructive feedback you can offer as we work out the bugs, is greatly appreciated. You can leave a comment here or email janel(at)lifeasmom(dot)com or jessica(at)lifeasmom(dot)com. Thanks!
Article printed from Life As Mom: http://lifeasmom.com
URL to article: http://lifeasmom.com/2014/03/this-weeks-dinners-for-70-or-less-bonus-trader-joes-shopping-plan.html
URLs in this post:
[1] RSS feed: http://feeds.feedburner.com/lifeasmom/oGdA
[2] free updates via email: http://feedburner.google.com/fb/a/mailverify?uri=lifeasmom/oGdA
[3] my free seasonal newsletter: http://eepurl.com/q47Vb
[4] Image: http://lifeasmom.com/?attachment_id=39510
[5] Pulled Chicken Sliders: http://goodcheapeats.com/2013/04/pulled-chicken-sliders/
[6] Homemade Italian Rolls: http://goodcheapeats.com/2014/02/italian-sandwich-rolls/
[7] Chicken, Bean, and Cheese Burritos: http://goodcheapeats.com/2013/10/chicken-bean-and-cheese-burritos-for-the-freezer/
[8] Lemon and Herb Rice Pilaf: http://goodcheapeats.com/2014/02/lemon-and-herb-rice-pilaf/
[9] Salsa Verde Chicken: http://goodcheapeats.com/2012/09/salsa-verde-chicken/
[10] Basic Vinaigrette: http://goodcheapeats.com/2013/10/basic-vinaigrette/
[11] Tortellini Pasta Salad: http://goodcheapeats.com/2012/02/chick-food-for-bachelors-day-recipe-tortellini-pasta-salad/
[12] Thursday Night Soup: http://lifeasmom.com/2008/12/thursday-night-soup.html
[13] Basic Pizza Dough: http://goodcheapeats.com/2009/07/basic-homemade-pizza/
[14] Last-Minute Pizza Sauce: http://goodcheapeats.com/2013/04/last-minute-pizza-sauce/
[15] 40+ meal plans: http://lifeasmom.com/free-printable-meal-plans-grocery-lists
[16] cost under $70 for the whole week of dinners: http://lifeasmom.com/2014/03/coming-soon-this-weeks-dinners-for-70-or-less.html
Click here to print.
Copyright © 2011 Life As Mom. All rights reserved.


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URL : | http://junebugweddings.com/blogs/what_junebug_loves/ | |
Filed Under: | Relationships / Weddings | |
Posts on Regator: | 1479 | |
Posts / Week: | 4.2 | |
Archived Since: | June 8, 2008 |
Happy Wednesday, dear readers! We hope you enjoy some of our most pinned and repinned Junebug images on Pinterest this week. Who could resist these dazzling wedding photos? Last week we introduced you to Millany.com, the fabulous online boutique for bridal jewelry and accessories. Show More Summary
Wow! Wendy and Eric's Kaua'i wedding is like a photo adventure with the best of Hawaii as the backdrop. Kudos to Southern California wedding photographer Brett Butterstein for his gorgeous and inventive work, and thank you to the happy...Show More Summary
Happy Labor Day Junebug readers! We hope you're enjoying every last ray of summer sunshine on this lovely long weekend! We'll see you back here tomorrow for all kinds of wedding goodness. Photo by Cornelia Lietz Hochzeitsreportagen
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Oh! The romance in this Italy inspired wedding in Florida simply jumps off the page and makes me wish I had been one of the lucky guests in attendance! Photographed by Studio 222 Photography, each photo is such a treat. Enjoy! The Couple:...Show More Summary
Brought to you by Seattle photographer Nikki Closser and designer and event planner Holly Patton of Perfectly Posh Events, this fabulous, urban chic wedding inspiration photo shoot brings a touch of sparkle to the edgy, city setting of WithinSodo. Show More Summary
(Photo by Jay Lawrence Goldman) Reception lounge areas are a trend that have taken the wedding world by storm, and now they are a key component on many couple's minds as they plan their wedding. Providing a little seclusion from theShow More Summary
Oh the colors in Laurel and Vince's brilliant fall wedding in Alabama! The orange, fuchsia and pink florals, the romantic setting and the sweet Southern charm were beautifully brought together by the talented and charming Christopher Confero. Show More Summary
We are in love with this Laguna Beach wedding designed by Mele Amore and photographed by Erik Clausen. With a gorgeous coastal backdrop and a naturally serene color palette, Linghui and Tianhua's beach side nuptials proved to be a night...Show More Summary
Take a look at some of the hottest pins on our Pinterest! They're wonderful moments captured by incredible photographers. How can you not love this shot? One of the winning wedding photos in the Best of the Best, from way back in 2010, is still being pinned like crazy. Show More Summary
Take a look at some of the hottest pins on our Pinterest! Check out these wonderful moments captured by some incredible photographers. How can you not love this shot? One of the winning wedding photos in the Best of the Best, from way back in 2010, is still being pinned like crazy. Show More Summary
Summer camp - just the words bring a flood of happy memories and visuals for me, and for this darling couple it means a whole world more! Lindsay and Evan were married at Camp Takajo in Maine (her father owns it, Evan attended it asShow More Summary
Today we are so excited to share this gorgeous boho glam wedding inspiration photo shoot from Lindsey Gomes Photography, Danae Grace Events and Bella Bloom Events. From the lush tablescapes and the divine dessert display, to the fabShow More Summary
(Photo by Jay Lawrence Goldman) A trend that has taken the wedding industry by storm, the reception lounge area is a key component on many couple's minds as they plan their wedding. Providing a little seclusion from the main party, lounge...Show More Summary
Today we are so excited to share with you this gorgeous boho glam photo shoot with images by Lindsey Gomes Photography. Successfully achieving a delicate balance between creating a cohesive design concept and making each design element memorable in its own way, Danae Grace Events designed a beautiful inspiration photo shoot with Bella Bloom Events. Show More Summary
I am such a huge fan of Esa and Mark's classic wedding in Austin! These gorgeous photos, captured by the bride's dear friend Ashley Garmon, reveal elegant style and exuberant joy that is simply delightful. The Couple: Esa and Mark The...Show More Summary
We are so excited to share Piper and Matt's three day destination wedding beginning with a welcome dinner featuring a little taste of México, then a sparkling gold and white rehearsal dinner and ending with a shimmering silvery dream wedding celebration. Show More Summary
These wedding dresses from Cymbeline Paris' 2014 bridal collection are to-die-for! The look book arrived in my inbox the other day, and I just had to share a few of my favorites, because whose day wouldn't be brightened by a little chic Parisian wedding style? Enjoy! Want more French wedding inspiration? Check out our America Bride in Paris Fashion Report!
The Southern charm of Charleston, South Carolina can be seen alive and well in the photos of Amanda and Hodge's wedding at The William Aiken House! (Great work Paige Winn Photo!) I love the way this couple mixed traditional, romantic...Show More Summary
Amidst the flurry of sparkling diamonds and champagne that ultimately follows the engagement, it's easy to lose sight of what the wedding day is really all about, the moment you promise to love and cherish your spouse forever, the wedding ceremony. Show More Summary


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GROSS salary includes all bonuses NET salary is received income after taxes
Papua New Guinea's economy depending on agriculture.The most of Papua New Guinea's workers make money with agriculture. Country exports more than 75 percent of mineral sources like gold, cooper and oil.
Papua New Guinea's economy has support from World Bank aid and from Australia.
NOTE data below are changing constantly with new salary responses.
AVERAGE SALARY according to ALL POLL ENTRIES for Papua New Guinea is 104,918 PGK. The most frequent education is generally Bachelors degree, followed by Masters degree and Some College degree. Big percent responses from high educated people, results with higher average salary in comparison to entire population statistics.SALARIES BY YEARS IN PAPUA NEW GUINEA AND OTHER COUNTRIES
Discuss about salaries, careers, job opportunities and similar topics on SALARY FORUM


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Dec 26, 2000 - Are you thinking about becoming an entrepreneur? Remember: When you've found a need, you've found an opportunity. Comments
Dec 19, 2000 - Despite some hurdles for consumer marketplace sites, they can cover a wide range and gather broad lifestyle profile data, showing that the World Wide Web can also be the "neighborhood wide web." Comments
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Dec 7, 2000 - Why produce a product newsletter? Think. By following some simple steps, in less than two hours per week, you can keep all the key people in your organization up to date with the latest news about your product and the space. Comments
Dec 5, 2000 - Whether you are raising capital or managing an existing business, making accurate financial projections for marketing, sales, and operations is essential. Combining these measurements into a comprehensive model can help you develop an accurate projection... Comments
Nov 28, 2000 - The days of basic product presentation on e-commerce sites have given way to more sophisticated product merchandising and presentation, but applying some traditional merchandising techniques to online shopping is fundamental. Comments
Nov 21, 2000 - Direct marketers in any medium want to test ad variables. Call it a primal urge to isolate and measure. But for too long, the email newsletter environment has proven hostile to the testing-inclined.Not anymore. Comments
Nov 14, 2000 - Offline marketers have long viewed special events as marketing opportunities. It's a great way to get a targeted message out to an appropriate audience. Luckily for those that traded in bricks for clicks, event marketing strategies translate very well... Comments
Nov 7, 2000 - This is going to be an important holiday shopping season for online retailers. More consumers will spend more money online. This is the good news. But they will have higher expectations. Can you deliver what they want? Comments
Oct 31, 2000 - Will personalization increase your ROI? Could be. You can take quick and easy steps to find out. Comments
Oct 24, 2000 - When neighborhood grocery stores grew into supermarkets, consumers became frustrated that it took so long to find what they wanted. Then smaller convenience stores sprang up to meet consumers' needs for a quicker and easier way to shop. Online grocery... Comments
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Oct 10, 2000 - You think personalization is a sure-fire way to increase profits? It might be. After all, it costs less to keep a customer than to attract one in the first place. But sometimes numbers can be misleading. Cliff takes a closer look at the tale they tell... Comments
Oct 3, 2000 - Telling stories is something that seems to be part of human nature. Few things are so engaging as a good narrative, whether it's in print or on a TV or movie screen. Why, then, do so few corporate web sites make use of storytelling? It's a great way... Comments
Sep 26, 2000 - Voice portals, a new class of audio interface web sites, have recently come on the scene. They're not web sites in the normal sense because they're designed to be accessed through a standard telephone. Sites like Tellme.com and BeVocal.com allow callers... Comments
Sep 19, 2000 - When big-name entertainment web sites announce huge layoffs or fold up entirely, you have to wonder what's wrong with that segment of the business. Is it the business model? The target market? Or is it the technology? For a few of the recent newsmakers... Comments
Sep 12, 2000 - Most of the time, customers buy products for all the reasons that marketers expect them to. However, there are always a few customers who buy products for reasons marketers haven't even thought of. Understanding specific motivations of consumers or... Comments
Sep 5, 2000 - The bogus Emulex press release sent by email and distributed over the wires wreaked havoc on the company's share prices and highlighted security weaknesses on the web. But making web sites more secure might impinge on users' rights to be anonymous... Comments
Aug 29, 2000 - Have you ever had a customer who was too eager to buy? Prospective customers can become so excited about finding a product or service with features they've been looking for that they forget to ensure it really fits their needs. One way to help these... Comments
Aug 22, 2000 - One of the things that's lacking on so many corporate web sites is a personal touch that humanizes the site. Many times a founder is associated with the site, and, if so, it's only natural that site visitors want to know a bit about his or her views... Comments
Aug 15, 2000 - The cost of acquiring a new customer in a business-to- business environment has always been high when compared to consumer sales. Several in-person sales calls can be needed to close an initial order. At over $100 per sales call, the total cost of... Comments
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March 3, 2015
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text: Freedom Fest T's!! View full-size image < previous next > Is this photo a winner? "I had a group of 25 people get shirts and loved them!! I even got my lil dog one! =) This is me and my friend how also helped with the group!! We had a great time and everyone loved the shirts!! I gave out all the info on where to go!! =) " - Tarah Sloan (Mar 31, 2011) Share this photo on: Twitter Facebook Pinterest Similar Photos: freedomfest | friends | fun | event celebratory | cook off festival Feeling inspired? Visit the CustomInk Design Lab to start your own group order. Design Your Own


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You'll want a sharp car photo if you want to show it off, perhaps to document and remember it, or to sell it. All good reasons.
These tips should help you to get some pictures of your vehicle that you can be proud to display for any reason.
The background should be unclutteredCleaning
•Wash, buff, and wax the body of your vehicle. Pay extra attention to detail. Water spots and fingerprints can easily show up in a photo.
•Clean windows, both inside and out. Window cleaner helps minimize spots.
•Clean wheels and tires. Dirty or faded tires can ruin a good-looking vehicle body. Make the wheels shine with a good wheel cleaner. Make sure the tires and treads are clean and black. Use tire paint. If you have raised white letters, make sure they are white.
•Backgrounds can complement, contrast, or be neutral – but should be uncluttered.
•If in doubt about backgrounds, go with a more neutral background, such as a brick building, thick trees, a lonely road, or perhaps a white, black, or nighttime background.
•Find a location that has a background that complements your vehicle. For example, park a vintage muscle car at a drive-in restaurant.
•Sometimes it works well to contrast your vehicle with the background, such as a luxury car in front of an old barn.
•Any background should be uncluttered. The vehicle is the main object; don't let a busy background distract.
Camera Work
•Take lots of pictures from every angle and from various distances.
•If your camera allows it, try different apertures. You can blur the background some with a wider aperture.
•Make sure your reflection does not show in the windows or in the shine of the vehicle body.
•Watch for reflections from trees, buildings, etc. These are usually undesirable, but in some instances can add an artsy effect.
•Try turning the front wheels sharply to the right or left.
•Experiment with and without using a flash.
•See if you like the look with the headlights on or off.
•Cloudy or rainy days can make for an interesting effect.
•You may or may not want to add props. Make sure the props do not distract. Remember, you are focusing on a picture of your vehicle, not the accessories.
•People almost always make a photo more interesting. If you have people in the photo, they should be dressed to complement the vehicle.
•Nonhuman props could include skis, a dog, a racing helmet, etc.


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Munchkin, does this mean you are against the nominee for his 'allegid' ties to terrorism...err....I mean torture...errr....I mean waterboarding? or are you FOR the nominee for the same reason? BTW: Great posting! full of insight, and charm. Everyday seems a little longer, everyway, love is getting stronger.
If this guy was overseeing Waterboarding, then lets get to the bottom of it... so tell me, are you against this nominne or for him, based on the article?....and please expand on your answer. Its fun watching conservative posters on this forum who support waterboarding, avoid the simple issue of hypocrisy with lame commentary....
I never cared either way...........but you, Diver are already squirming if you aren't part of the solution, you are part of the problem, right? or are you simply going to glaze over every person in any chain of command who said nothing and insist it was all bush/cheney
Not at all... to me this isn't a partisan issue, its ethical. Meaning that if you were in the know about these tactics before, or while they were happening and did nothing to stop it, you are in the guilty as fukc category. I could care less if you are a democrat, republican, green, or whig....you looked the other way when people tortures humans in our nations name. now, if this dude falls into that category, and I hear you conservatives all up in arms over this, you are being hypocrites. Judging from your lack of response to my question, your blatant acceptance of waterboarding has left your opinion of this nominee in limbo. You have no clue what to think. But by all means, prove me wrong, Jeremy. Take a stance.
of course you don't. Rush Limbaugh didn't tell you what to think yet. let me know when Ol' Oxycontin informs you how to think, thanks pal.
first, there has to be someone 'up in arms' over this.........I am not.......like I said, I could care less either way.......unlike you who educates himself through the OPINIONS of others, I am not going to sit here and tell you that I know whether it is effective or not....its not my job....its the guy who was doing it.........I'm not going to sit here like you and sob about it even though I can't do anything about it........even if I could, I don't care anyway you politicize this issue and then sit there and say you don't care about the politics......a 3rd grader could see through that veil
RIIIIIIIIGHT...coming from the child who posted the article with no context, and the subject thread inferring you are gloating in a sea of your own self justification of the issue at hand. sure, just sidestep the issue and wash your hands of it, but all of the people who click on the thread, and read the link you provided, can understand what you meant when you posted it. Don't assume that you can just erase that. Id still enjoy to read your explanation of why you posted that link with this title, if you are SOOOOOO unbiased, and have NOOOOO real stance on the issue.... you are so transparent its redonculous, I can't wait to finally meet you, in August...then grab you by your hand and escort you to the front office because you lost your mommy and daddy. I'll explain to you the whole time that its okay, and might even convince you that they didn't leave you there on purpose. I'll buy you a soda, and a Youk jersey. We will keep score together.
it was your obsession that made it worth posting..............and see? jump, monkey, jump..........its so easy I don't sidestep the 'issue' because its not an issue with me.......... how many articles have you posted only to spout the same crap over and over again? as for the rest of your fantasy, tough guy...........you'll just have to wait and see......in the meantime, keep it in your pants you perv


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1 game in, and he is already %%%%%ing about playing time and coming off the bench. Good luck Memphis! Role in first Memphis game upsets Iverson | freep.com | Detroit Free Press
Its one game, you've been injured, i'd have said speak with your play, then open your mouth. Can't see him as a sixth man for Memphis but that not the point.
Didn't he JUST say that he was going to be OK with a dimished role off of the bench?....................and now this.
Poor guy. I'll betcha by the end of the week his back hurts too. What an A-Hole. (Sorry Aurora...no offense).
Yes, he did. From Zach Harper's ESPN.com article: "When A.I. signed with Memphis, it brought about confusion amongst all fans. He was resigning to the things he said he would never do. He would be a role player coming off the bench for a team whose playoff hopes were already grounded before the season started. Five years ago, if you told me this was how his twilight years would go, I would have fought you. Now, it's just a fact of life and NBA economy." Daily Dime: CP3 is frustrated - NBA - ESPN
AI did have a pretty sweet rep for a long while. It has to be tough to adjust your mindset just because some coaches tell you that you aren't the same stud. He always played a certain way and still feels like he can do it. I totally understand his frustration... but the bottom line is that the market is speaking to him and he's not listening.
Maybe they should call in coach Curry to give him a pep talk about his role? Iverson always seemed to respect him.
AI is like that old guy in the 20 something night club that's in denial that he is actually old and feels he can still hang with the youngsters. :D
Give me quotes, not what people assumed. In his press conference when he signed and all the rest of the time, before and after he signed, he has said he wouldn't be happy playing off the bench.
He knows he can still score on a nightly basis... if only the bouncer would let him in the club. He can do his old moves, which work about 40% of the time. If he hits on 15-20 women a night...
Now you guys this is a guy who has fought with every single coach he ever had over playing time. This guy has argued and whined over playing time when his minutes were reduced from say 48 to say 44. This guy wants to be on the floor for every single possession of every single game. Not saying it's right or it's in the best interest of his team, but he thinks that it's in the team's best interest to have him out there all the time.Maybe it's from all those years in Philly where it really was the best option to have him play every minute every game all year. But I can't think anyone is surprised that he wants more playing time. AI wanting more playing time? Does the sun come up in the morning? He also wants to play for six more years. How realistic is that? Does the sun come up in the morning? Look for better or worse this is who the guy is. He is who he says he is until his agent makes him say a bunch of junk that he isn't who he says he is. Everyone knows who he is, Memphis knew who they got and everyone should stop acting all shocked and surprised like a 15 year old schoolgirl on a first date with a guy getting too fresh. Geez Louise, some of you guys really need to find a new punching bag. Or as Michael said so beautifully...for the ones who seem to have so much fun piling on with the vitriole "Take a look at the man in the mirror and make that change." Allen Iverson talking to the press about playing time is SO NOT NEW NEWS. I should have written that news flash before I went to bed last night after my review of the game. As I was watching I was wondering "I wonder how long it will take Allen to do battle with Lionel Hollins to up his minutes?" Not long. Not saying it's right, and it's possibly rough, but let's not all act like deflowered virgins here. Every once in a while your thin veil of carefully cultivated objectivity about Allen Iverson falls away and we get a little gem like this one TaShawn. Nice. You don't have to apologize to me Darth. Just cause I'm the only "out" AI fan on this forum doesn't mean I'm not tough enough to take it or I'm his pr agent or his lawyer. Besides I know you don't really care anyway and you just take shots for the fun of it. This kind of is true I think, Moss. I think the NBA lifespan is equal to dog years. 7-15 depending on position, injury, minutes played etc. Allen Iverson has alot of miles on him, a ton of injuries he has played through majestically. Watching one's favorites in decline is painful. I'm so thrilled with watching Big Ben so far this season because I see that glimmer of Big Ben in his prime, I see the magic again of his incredible career. When I go see AI now I am looking for those glimmers, those moments, and I don't expect to see the whole package anymore and that makes me feel sad. But it's still way worth it to me. Basketball is such a beautiful game and the prime of these athletes is so fleeting. The thing is to be able to appreciate them when they are in their primes, and not pile on them like a lot of vultures when they are on the downside of their careers but still playing. Some pretty ugly stuff has been written about Big Ben in this forum the past several years, of course now it's all golden again. Of course if he becomes less than immortal again.......
Wait a minute I use to resemble that comment....and now sometimes I feel that way jabbing with you young whipper snappers...
I guess It's hard for a coach to tell Mayo to sit after a 40 point game @Denver. I Mean, the Nuggets doesn't have one of the best defense in the game, but they were In the Western Conference Finals last year with barely the same team. And A.I. is always problematic.. I remember how pissed was I when I first read the Billups <-> Iverson trade.. So now I'm sooooo happy that he is not here anymore.. and I'm even more happy that A.I. is doing bad in his new team.. :D
I don't hink he's as a cancer as much at he is delusional. Ask Oscar De La Hoya. He aged horribly between Mayweather and the Pacquiao fights. There are only a few freaks of nature (Brett Favre, etc.) and Allen hasn't been as fortunate when it comes to wear and tear. And I think Allen is more of a relic, if anything; a throwback to the turn of the century. He refuses to see past that. I'd like to see him go up against Brandon Roy, or hell, even Brandon Jennings. He's older than he thinks. He just got off a freaking injury. Maybe they were actually trying to ease him into playing shape...
Why would the coach put a guy in the game who's having a butt problem? It's just an anagram. Of the 10,000 possibilities, this was the most flattering one I could find. Other combos included... Niner Overalls Evil Renal Son Veal Inn Loser Just a bunch of gibberish.


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This is a nice little hotel with an attached restaurant. Our room had AC, wifi, a hotpot, and a small refrigerator - very deluxe compared to other budget hotels we had visited! The drawback is the distance from the town center, but the staff was very helpful and called a reliable taxi for us. The breakfast provided was excellent with... More
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My friend from fire training academy, Brandon, and his beautiful bride Chelsea were united in marriage at Holy Trinity Church in the Stone Oak area and followed it up with an awesome celebration at Canyon Springs Golf Club for the reception! A hefty downpour started out the day, but things cleared up quickly in time for the ceremony. The whole celebration was a blast and I was honored to be a part of everything! Thank y'all for choosing me to do your photography!
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WOW MUST BUY i love these. Saves on weight impressed on durability on rocks and hard hitting concrete blocks for climbing. LOOKS GREAT EASY to installEASY to setupI love these and will never go any other direction again!!!
Great parts works really well and easy to install. I don't know why traxxas doesn't upgrade


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New Catholic Dictionary – Pope Saint Agatho
Greek: good. Reigned from 678 to 681. Born in Sicily; died in Rome, Italy. During his pontificate Wilfrid, Bishop of York, was restored to his see, Theodore, Bishop of Ravenna, submitted to papal authority, and the Monothelite heresy was ended by the Sixth AEcumenical Council, held at Constantinople. Feast, 10 January.
MLA Citation
- "New Catholic Dictionary: Pope Saint Agatho". New Catholic Dictionary. Saints.SQPN.com. 6 November 2010. Web. 3 March 2015. <http://saints.sqpn.com/new-catholic-dictionary-pope-saint-agatho/>


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All User Interfaces and Human Computer Interaction Titles
Reinventing Ourselves: Contemporary Concepts of Identity in Virtual Worlds
This book explores identity in virtual worlds, discussing identities, avatars and their relationship; identity development in virtual worlds; managing multiple identities across environments; and creating an online identity for a physical world purpose. -
Reframing Information Architecture
Information architecture has changed dramatically since the mid-1990s and earlier conceptions of the world and the internet being different and separate have given way to a much more complex scenario ...
Reframing Humans in Information Systems Development
This book offers a comprehensive view of the perceptions of end-users in different Information Systems Development (ISD) methods and approaches. It offers conceptualizations that serve as key constructs for theory development in information systems science. -
Real-Time Vision for Human-Computer Interaction
Joyce Westerink, Martin Ouwerkerk, Therese J. M. Overbeek, W. Frank Pasveer
This book probes how we can probe user experiences. It combines academic research on user experiences with business propositions. It sets up a dialogue between what is done and known in the academic world and what is needed and envisioned in the area of business applications. To this end it brings together a range of distinguished authors from a broad range of fields, including psychophysiology, psychometrics and behaviour research, including university research and business strategy and development.
- Providing a comprehensive introduction into an overview of the field of pervasive healthcare applications, this volume incorporates a variety of timely topics ranging from medical sensors and hardware ...
- Examining the future of advertising from the perspective of pervasive computing, this book envisions a fully interactive digital cityscape where surfaces are digitalized with sponsored content that passers-by can consult seeking instant localized information.
Personality Capture and Emulation
This book explores the gateway to an amazing future that actually may be achieved, enabling the preservation and simulation of human personalities at progressively higher levels of fidelity. Includes many pilot studies and programming projects. -
Performance Metrics for Haptic Interfaces
This book meets the need to understand performance metrics for haptic interfaces and their implications on device design, use and application. The authors propose evaluation practices including a combined physical and psychophysical experimental methodology.


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Rose and RainShe awaits in the rainHolding tightly to a rose,Ignoring the searing painThe raindrops dripping from her lashes and nose.Some drops are from her tearsWhich now seemed to turn black,The person she loved for yearsNever loved her back.Privately mourning for that certain manAll she could do was watch,As all she did was planSecretly emptying the bottle of Scotch.She awaits in the rainThe rose slowly dying,Her heart overwhelmed by painAnd soothed herself by lying.
Hidan x Reader - Spin the Bottle Pt. 1The bottle began to spin slower and slower, your heart beating fast as of who it may land on. You look up and see Konan smirking at you, as if she knew who you were aiming for."____, you got Hidan?!" Konan almost exclaimed.Everyone stared at you and you looked up to see Hidan looking back at you. His lavender-colored eyes seemed cool but they made you uncomfortable...in a good way.He stood up and you watched him high-five Itachi, who seemed a little jealous Hidan got the "better one". Hidan walked towards you and extended a hand. You reached out to grab it but he suddenly grabbed your wrist, pulled you up, and led you to the closet. You gasp at this motion, considering it was so sudden.He didn't say a word until you two were crammed inside the closet, Konan giggling excitedly as she closed and locked the door behind you two."Have fun and remember, if you don't do anything, it doesn't count!" you hear Konan say from the other side of the door."Well, you know what that means," you
Akatsuki x Reader - Spin the Bottle(DUMPED)You were invited at the large mansion, the Akatsuki's own private world, without any disturbances as part of their vacation. The music pulsed on the main floor, food and drinks laid out and plenty to go around. Everyone wore leisure clothing, including yourself. It was a vacation after all."_____!" you hear a voice call your name. You turn around and see Konan waving you over. You walk over to see what was up. "You have to play spin the bottle with us!"You look around and realize everyone was sitting in a circle around the glass bottle. Konan looked at you as if waiting for something."You have to go first," she said. You blush slightly. You didn't even agree to this...even though there was one Akatsuki member who you have been crushing on for quite some time. In fact, he sat across from you right now, giving you a smile so gentle and encouraging that it's almost for sure that the bottle would point at him.You hesitantly reach forward and place your hand firmly around the bottle. Yo