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The easiest way to secure higher mutual fund returns is to keep fees low, because they come off the top. On a $1 million portfolio that earns 5% a year, a tiny 0.10% fee saps $16,000 in returns over a decade. There are stock funds that cost less than 0.05% a year, but according to the Investment Company Institute, the average investor pays 0.79%, suggesting plenty of room for savings.
The absolute lowest-cost approach isn't always the best one, however, because in some situations, active fund managers can reliably earn their pay. Better to use a balance of broad frugality and targeted splurging.
Consider the case of a 45-year-old investor socking away a $1 million windfall. Overwhelmed by the choices of how to divvy the cash among asset classes, he defers to the American Association of Individual Investors and its portfolio models, found at AAII.com/asset-allocation. He chooses moderate risk, which calls for 70% in stocks (including 20% apiece in large and midsize companies; 10% small; 15% international; and 5% emerging markets) and 30% in intermediate bonds.
The lowest-cost route would be to buy index funds from one of a handful of firms that compete fiercely on fees, such as Vanguard, Charles Schwab, and Fidelity, with its Spartan funds. For example, using Schwab's exchange-traded funds for each of those asset classes would cost 0.068%, or $680 per year to start, with no commissions to buy or sell through Schwab. It's a fine choice, but by paying a little more he may be able to do better.
Start with U.S. stocks. The overwhelming majority of fund managers in the category fail to beat their benchmarks' returns in most years, studies show, and picking ones with good past performance doesn't necessarily help. Of 707 funds that were in the top 25% for returns in September 2010, just 10% remained there by September 2012, according to Standard & Poor's. But as Barron's reported last month, many funds stick so closely to their benchmarks that underperformance is all but a sure thing after subtracting fees. Funds that make bold picks, on the other hand, have better records.
For example, the GoodHaven Fund (ticker: GOODX) was launched in 2011 by a pair of former managers of the renowned Fairholme Fund (FAIRX). Both funds make concentrated bets on deep-value stocks, a strategy that often does much better or worse than the market over short periods but can pay off nicely over long ones. Fairholme, awash in cash, will close to new investors at the end of February. The smaller and nimbler GoodHaven is the better bet in any case. It's off to a fine start, returning 20.4% over the past year, versus 17% for the S&P. Annual expenses are 1.1% with no upfront sales charge. Top holdings recently included Spectrum Brands Holdings SPB -0.7875738350470357% Spectrum Brands Holdings Inc. U.S.: NYSE USD90.7 -0.72 -0.7875738350470357% /Date(1427403722515-0500)/ Volume (Delayed 15m) : 218455 AFTER HOURS USD90.7653 0.0652999999999935 0.07199558985667034% Volume (Delayed 15m) : 2003 P/E Ratio 22.8463476070529 Market Cap 4867840793.15735 Dividend Yield 1.4553472987872105% Rev. per Employee 328072 More quote details and news » (SPB), maker of Rayovac batteries, and Hewlett-Packard HPQ -0.5900621118012422% Hewlett-Packard Co. U.S.: NYSE USD32.01 -0.19 -0.5900621118012422% /Date(1427403897131-0500)/ Volume (Delayed 15m) : 13252824 AFTER HOURS USD32.01 -0.00999999999999801 % Volume (Delayed 15m) : 456205 P/E Ratio 12.033834586466165 Market Cap 58525399897.4296 Dividend Yield 1.999375195251484% Rev. per Employee 363454 More quote details and news » (HPQ).
Funds like GoodHaven shine brightest when they delve into small companies, as it regularly does; Spectrum, up 86% over the past year, was a pipsqueak when it became one of the fund's first holdings. Fewer Wall Street analysts cover such companies, making it easier for research-obsessed managers to find bargains. "You're unlikely to gain an informational edge with General Electric GE -0.44158972300281013% General Electric Co. U.S.: NYSE USD24.8 -0.11 -0.44158972300281013% /Date(1427403637891-0500)/ Volume (Delayed 15m) : 31552205 AFTER HOURS USD24.82 0.0199999999999996 0.08064516129032258% Volume (Delayed 15m) : 952224 P/E Ratio 16.39344262295082 Market Cap 250781423463.821 Dividend Yield 3.7096774193548385% Rev. per Employee 488328 More quote details and news » [GE], but you may just find one with [barbecue chain] Famous Dave's of America DAVE -1.5130674002751032% Famous Dave's of America Inc. U.S.: Nasdaq USD28.64 -0.44 -1.5130674002751032% /Date(1427403600168-0500)/ Volume (Delayed 15m) : 18974 AFTER HOURS USD28.64 % Volume (Delayed 15m) : 248 P/E Ratio 28.64 Market Cap 204984913.250046 Dividend Yield N/A Rev. per Employee 49570.2 More quote details and news » [DAVE]," says Jim Russell, senior investment strategist with U.S. Bank Wealth Management.
Another option is to bet on a methodology rather than a manager. PowerShares FTSE RAFI US 1000 Portfolio PRF -0.24215740231150248% PowerShares Exchange Traded Fund FTSE RAFI US 1000 Portfolio U.S.: NYSE Arca 90.63 -0.22 -0.24215740231150248% /Date(1427403590001-0500)/ Volume (Delayed 15m) : 124784 AFTER HOURS 90.63 % Volume (Delayed 15m) : 69 P/E Ratio N/A Market Cap N/A Dividend Yield 1.2567141123248373% Rev. per Employee N/A More quote details and news » (PRF) is an ETF that weights companies according to financial size as measured by book value, cash flow, sales, and dividends. The index's creators say that's an improvement upon the method used by most stock indexes—weighting companies by stock-market value—because that gives companies more portfolio sway as they become more expensive. The fund has returned 6% a year over the past five years, versus 4.4% for the S&P 500, after fees of 0.39% a year.
Our cost-conscious investor needn't bet the ranch on either approach. Of the $500,000 he's putting in U.S. stock funds, a pair of $50,000 positions in funds like GoodHaven and the PowerShares ETF will raise his fees by about $700 a year to start, and give him a good shot at boosting returns by tens of thousands of dollars over a 20-year investment period.
EMERGING MARKET INDEX FUNDS come with some quirks that can provide too much exposure to mature economies. One of the biggest funds, iShares MSCI Emerging Markets eem -0.9315206445115811% iShares MSCI Emerging Markets ETF U.S.: NYSE Arca 39.35 -0.37 -0.9315206445115811% /Date(1427403600152-0500)/ Volume (Delayed 15m) : 72515926 AFTER HOURS 39.35 % Volume (Delayed 15m) : 4464221 P/E Ratio N/A Market Cap N/A Dividend Yield 2.7192935196950443% Rev. per Employee N/A More quote details and news » (EEM), has a one-quarter weighting in Korea and Taiwan, whose advanced economies more closely resemble that of the United States than, say, India, and whose electronics giants make much of their money in the U.S. Schwab Emerging Markets Equity sche -0.70568700705687% Schwab Emerging Markets Equity ETF U.S.: NYSE Arca 23.92 -0.17 -0.70568700705687% /Date(1427403600189-0500)/ Volume (Delayed 15m) : 366939 AFTER HOURS 24.11 0.189999999999998 0.794314381270903% Volume (Delayed 15m) : 1 P/E Ratio N/A Market Cap N/A Dividend Yield 2.858695652173913% Rev. per Employee N/A More quote details and news » (SCHE) doesn't include Korea, but it has more than 40% exposure to financials and energy, sectors whose performance can be pegged as heavily to global events as local growth. Active managers can tweak these exposures, but their services aren't cheap when it comes to emerging-market funds. The average one costs 1.68% per year, according to Morningstar. The index ETFs above charge 0.69% and 0.15%, respectively.
DFA Emerging Markets Core Equity (DFCEX) offers something of a compromise. Its screening process gives the portfolio more small and midsize companies. It still gives big weightings to Korea and Taiwan, but on the whole, it offers more exposure to consumer companies and less to multinationals. That puts it closer to the rising middle class in emerging markets. The fund has returned an average of 3.7% a year over the past five years, versus 0.4% for its peer group. And its semi-passive approach keeps costs down; fees are 0.68% a year.
BOND YIELDS ARE SO low that high fees are out of the question. A decade ago the 10-year Treasury yielded 4%. Now it yields half as much. As yields have broadly fallen, bond prices have rallied, and good managers have found it easy to earn their pay. It will be more difficult from here, however. At the same time, bonds continue to provide important diversification against downturns in the stock market. For reluctant buyers, Vanguard Total Bond Market bnd -0.3238575026988125% Vanguard Total Bond Market ETF U.S.: NYSE Arca 83.1 -0.27 -0.3238575026988125% /Date(1427403600286-0500)/ Volume (Delayed 15m) : 2338907 AFTER HOURS 83.0943 -0.00569999999999027 -0.0068592057761732855% Volume (Delayed 15m) : 3621 P/E Ratio N/A Market Cap N/A Dividend Yield 2.3383104693140795% Rev. per Employee N/A More quote details and news » (BND) and Schwab U.S. Aggregate Bond schz -0.3551190026445032% Schwab US Aggregate Bond ETF U.S.: NYSE Arca 52.752 -0.188 -0.3551190026445032% /Date(1427403591116-0500)/ Volume (Delayed 15m) : 221720 AFTER HOURS 52.73 -0.0220000000000056 -0.04170457992114043% Volume (Delayed 15m) : P/E Ratio N/A Market Cap N/A Dividend Yield 2.0291173794358506% Rev. per Employee N/A More quote details and news » (SCHZ) at least come cheap. They cost 0.10% and 0.05%, respectively. To add a dash of active management at only moderately higher cost, look to Fidelity Total Bond (FTBFX), with fees of 0.45%. Over the past decade it has returned an average of 5.8% a year after fees, versus 5.1% for the Barclays U.S. Aggregate Bond index. The fund can put up to 20% in lower-rated "junk" bonds or emerging-market bonds, which gives it enough flexibility to jump on relative bargains wherever they turn up. Funds devoted exclusively to emerging-market bonds cost 1.3%, on average, and junk bond funds cost an average of 1.2%, making the Fidelity fund a cheap way to sample pricey fare.
Frugal Enough
Investors can keep fees broadly low with index funds, while seeking higher returns with targeted positions that cost a little more.
Schwab U.S. Large-Cap
Tracks largest 750 U.S. companies
Fidelity Spartan Extended Mkt Index
Midsize and small U.S. companies
Vanguard Total Bond Market
U.S. govt and corporate bonds, average maturity 7 years
Concentrated portfolio of deep-value stocks
PowerShares FTSE RAFI US 1000
Weights companies by financial size, resulting in value tilt
Fidelity Total Bond
Winning record; modest, cheap exposure to emerging markets, junk bonds
|Source: Morningstar
E-mail: firstname.lastname@example.com


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Download the full episode as m4a (m4a is great, it contains chapters, links and images if your player supports them) or mp3 to put on your MP3 player.
We've backed off on motorcycles after a bike-heavy podcast #3 - this week is a much broader podcast with some great stories from the automotive world, renewable energy, astronomy, mobile tech and even a piece of beachwear that can make you a bit of cash as you stroll by the seaside. Features Loz Blain and Noel McKeegan. Download or listen online.
Or listen right here:
Further reading on the topics covered in this week's podcast (in the order they're mentioned):
Feature Stories:
- Mercedes-Benz's ESF2009 Experimental Safety Vehicle showcases safety systems of the future
- Honeywell wind turbine is a breeze to run – and a light one at that
- Astronomers discover new way to search for life elsewhere
- Universe made simple with release of Meade ETX-LS automated telescope
- Augmented reality browser for Android called Layar
Quick Wrap:
- Long sought-after material could revolutionize electronics
- Zeo: the personal sleep trainer
- Robotic ferret to sniff out hidden drugs, weapons and people
Super-quick wrap:
- Moby concept car puts the squeeze on city traffic
- Elmoto: Stylish and economical electric biking in one lightweight package
- Manipulating light on a chip for quantum computing
- Metal detecting sandals delve the depths of fashion
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- 2014 Action Camera Comparison Guide
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Submitted by IamDoneHere on Fri, 04/18/2014 - 14:02. Permalink
The response to 9/11 and invading Iraq. Passing the Patriot Act went against everything I was taught America was. My family are all military so patriotism was a very big deal growing up. My grandmother instilled certain principles into me and taught me why America is so awesome. All the good ways we have changed the world.
So yea.. it was the Patriot Act that woke me up. I knew nothing good was going to come after that.
'Peace is a powerful message.' Ron Paul
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Police: Feared Minnesota kidnapping was just prank
FOREST LAKE, Minn. (AP) — Police say a potential kidnapping caught on security video at a Wal-Mart store in Forest Lake was just a hoax by four sisters.
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Family dog shot in yard
Colleen Wells has a story that sounds a bit familiar.
One evening last week, she and her housemate took their three dogs for a walk around their property they live on, about three miles southwest of Cass Lake.
After she went indoors, her housemate spent time cutting wood before going inside.
About 10 minutes later they heard a shotgun blast.
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The Survivor
By Gregg Hurwitz
(St. Martin's Press, Hardcover, 9780312625511, 384pp.)
Publication Date: August 21, 2012
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The #1 international bestselling author of You're Next, unleashes his most accomplished, compelling thriller yet One morning in Los Angeles, Nate Overbay—a divorced former solider suffering from PTSD and slowly dying from ALS — goes to an eleventh-floor bank, climbs out of the bathroom window onto the ledge, and gets ready to end it all. But as he's steeling himself, a crew of robbers bursts into the bank and begins to viciously shoot employees and customers. With nothing to lose, Nate confronts the robbers, taking them out one-by-one. The last man standing leaves Nate with a cryptic warning.Nate soon learns what that message meant. He is kidnapped by Pavlo, a savage Russian mobster and mastermind of the failed heist. Unable to break back into the bank to get the critical item inside, Pavlo gives Nate an ultimatum—break in and get what he needs or watch Pavlo slowly kill the one thing Nate loves most—his ex-wife Janie and his teenaged daughter Cielle—both lost when he came back from Iraq broken and confused. Now he's got one last chance to protect the people he loves, even if it's the last thing he is able to do.
Gregg Hurwitz is the critically acclaimed, internationally bestselling author of twelve novels, most recently, You're Next, They're Watching, and Trust No One. His books have been translated into twenty languages. In addition, he is a screenwriter, television producer, and writes for Marvel and DC Comics. He lives in Los Angeles.


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85 Tauren Druid
Which gems should I be getting? Is it important to solely stack intellect gems? Or should I be using gems of various importance to get the socket bonus?
Mastery is terrible. Yellow should be int/haste
Blue can be straight spirit, or spi/int if u'd prefer.
Edited by Outiluke on 12/17/2010 2:35 PM PST
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Tuesday, March 31
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Nev, if you didn't see the video, get your ZZR out and I'll film you doing it! I'll give you a copy later, after the court appearance!
Technical and tyres
????????????, any good??????????????? made in China ???????? what isn`t??????
Bike accessories
I think we have some ALDI chocolate brioche left......
Its so bad for you, its actually good.
You dream it , we bling it !
we peakemb have over 10 years of experience and good reputations in this field by rhinestone transfers wholesale superior quality merchandises at competitive prices in the world market. If you have any queries, please feel free to visit and contact us!
@questo18 said:
No seriously, Toseland should be sacked. Comes across as a fool.
I thought it was an old tree stump carved to look like Toseland?
Once again no report on the Supersport race in this weeks paper. Considering it was an historical occasion with the local brothers coming first and fifth.
Now if the winning bikes had been Triumph's, I'm sure it would have been headline news
Please MCN there are other races just as interesting as the GP, WSB and BSB, lets have coverage of the WSS as well
Legal and insurance
Many thanks.
I guess I have a while to wait then.
Touring & travel
April 16th will see the start of a budget 30day tour of Morocco down to the Western Sahara Desert, the Aim is to cover a 200km Stretch of the last 2008 Dakar Rally. Part of a team of 5 unless the BMW GS drops out then 4 definite bikes will turn out.
With a limited budget of £1100 we'll wild camp where ever we can and travel 4500mile through Spain/Morocco down to a southern point of Laayoune.
On paper a 2001 Honda CB500 and the St1100 are probably the most inappropriate bikes to take of road, never mind trail riding across the Atlas Mountains and riding for 3 days over the Sahara Desert.
Filmed over the 30 days using HD camera's Rod (the organiser) will film the Adventure," without support and aid of a back up team" He'll follow the challenge of the Honda CB500,St1100 and the African Twin on his Yamaha XT600 and document the heroic drops, punctures and mishaps on the way.
Without any aid or sponsorship from any Honda dealers, Yamaha's Infinity Motorcycles have stepped in and supplied us with some real goodies. We'll sleep under tarps/Tents or any unused Building on the way, till our return to the UK on the 18th May.
The Adventure is based on a " Take what you have & Use what you've got" Austin Vince at it's best, regardless of equipment or motorcycle you have, we're trying to prove you don't need the latest dual sports bike or up to date kit to do this type of adventure.
Rod and a cool guy "SNIPER" in 2014 under went a trip like this from UK to Turkey in 30 days with a budget of £900 !!!!!!!!!!. Things went well, until Sniper lost or had his passport/money/V5/Insurance stolen in Bulgaria.....
This year the film will be Edited and released on YOUTUBE around July. If you would like a taste of last years Boobs. SHAW2SHORE is his video channel. It is hoped the full write up of the Adventure will be published in the MCN.
New rider
Watching and learning the body language of cars around you and you`ll soon pick up the little tell tale signs that they are looking at or about to make a manouver. Or even just not concentrating.
If you see a car looking to pull out onto the road you are on, watch the front wheels to see if they start rotating. Good clue they might be pulling out or just not concentrating. and creeping forward.
Golden rules are worth learning or making your own.
Like: Never ever asssume a driver has seen you.
Do the life saver observations over your shoudlers, I do it even in the car. Its a good habit to adopt.
Learn to trust your sixth senses, if you want to wind the throttle in hard and blast it, buit something is just holding you back, then don't nail it ! Hold back and wait and see. Life saver. Listen to your instincts.
Must be loads more others can add?
Buying and selling
I second the welcome and training however I would gone step further regarding training. If you have never taken a formal motorcycle training class such as the MSF Basic Rider Course or in your case it has been 20 years I would recommend starting on the first step of the ladder. Good motorcyclist are not born, they are trained. Practice makes Permanent and only Perfect practice makes Perfect
MCN site & MCN forum feedback
MCN Fantasy Road Race 2015 - in association with Bennetts.co.uk
Come on then, don't be shy.....


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Comfort Suites
1523 Old Brodhead Rd
Monaca, PA 15061
Phone: (724) 728-9480
Fax: (724) 728-9481
Offering a delightful range of delicacies like sandwiches, burgers, salads and appetizers, this independent restaurant comes as a respite from dining at modern chains of American restaurants. Located on the Wolf Lane, this intimate restaurant's menu comprises a lot of options for vegetarians as well as meat-eaters. If you are lucky, then you might witness some of the local and touring bands performing at the make-shift stage at the venue. Call ahead for more information.
»Kretchmar's Bakery
Special occasion cakes, tortes, breads and cookies are just some of the items available that are prepared from scratch using only the finest ingredients, baked fresh and hand decorated by experts at Kretchmar's Bakery.
»Athens Family Restaurant
A family owned and operated dining establishment, Athens Family Restaurant offers authentic Greek cuisine seven days a week. A full breakfast menu is available all day. Lunch specials are available from 10:00 a.m. to 3:00 p.m.
»Windhaven Lounge
The Windhaven Lounge offers live music as well as a DJ spinning the latest in hip-hop/rap, jazz and rock. Karaoke is also a popular entertainment. American cuisine is served for lunch and dinner. Think sandwiches and soups. Specials are offered every Monday night, especially during Monday Night Football. Happy hour is Fridays from 4p to 6p. The lounge also has a pool table.
»Shakespeare's Restaurant & Pub
Resembling a 16th century castle, Shakespeare's Restaurant & Pub is a clubhouse surrounded by hundreds of massive stone boulders. Patrons can enjoy Shakespeare's "unique casual, medieval atmosphere and great American cuisine."
This deli-style restaurant serves many specialty sandwiches and salads. Be sure to try the cheese fries.
»Olive Press
The Olive Press sports a modern decor amidst the bustle of the Pittsburgh International Airport. Located in the Hyatt Regency Hotel, the restaurant attracts diners from throughout the region, even those who don't intend on flying anywhere. The menu features Mediterranean and American fare with presentations that leave diners in awe. One specialty is the red snapper which is served whole and skewered so that it appears to jump right off your plate.
If you are looking for a place to relax and unwind after a hard day at work, this is the place for you. With a range of mouth-watering comfort food items and a casual and friendly atmosphere, Armstrong's is the perfect place to catch up with a group of friends or have a meal with your family. The restaurant does not serve alcohol but you are most welcome to bring your own bottle and make it a celebration.
»Jameson's Pizza King
Jameson's Pizza King
»Vinny's Restaurant
Vinny's serves classic Italian cuisine, including pizza and pasta with daily lunch and dinner specials available. An extensive list of cocktails, wine and beer is offered.
»Walnut Grove
Seat yourself in one of these state-of-the-art rooms, designed specially to portray a sleek and luxurious dining space. Shades of orange and brown dominate without being an eyesore. The bar area is separate and is equipped with comfortable seats and a TV. Featuring American cuisine, this restaurant serves seafood fare as well as dishes that would make hardcore carnivores salivate. An excellent wine list also appears so as to provide the perfect climax to your meal.
»Oak Grove Inn
Oak Grove Inn features the "best wings around." Other menu items include sandwiches, salads, spicy boiled shrimp, fish, and lamb. Specialty beer on tap and mixed drinks are available.


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Browse illustrators in Bristol featuring photos, videos, vouchers and illustrators reviews to help you choose the right local illustrators for you.
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Having originally begun as a boutique/art gallery venture in 2005, Us Versus Them co-founders Graham Systrom and Mike Glory have since cultivated the SoCal brand into a surf and street powerhouse. One particular staple of the brand has always been its headwear segment and the Fall/Winter 2012 Grey Branded Snapback Ballcap perpetuates the brand's mentality. Mocked up in a predominantly grey and navy aesthetic, the hat is constructed from 100% cotton and is rounded out by a navy circle patch up front while the brand's trademark bolt runs the perimeter of the hat's base. A plastic snapback enclosure completes the hat.
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5:34 pm
Tue September 17, 2013
Memorials Held For Washington Navy Yard Shooting Victims
The names of all of the victims of yesterday's shootings at the Washington Navy Yard have now been released. Twelve people, mostly civilian employees of the Navy, were killed when a gunman opened fire in an office building in the complex Monday morning. The shooter also died. Memorials for some of the victims were held across the city Tuesday.


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Magdalena's Profile
Hello and welcome to TrivialityLab
My name is Magdalena and I am a person in a constant movement that always has several projects underway. I love the muted natural shades, mixed metals and natural materials. I find it very interesting to use old things in new creations, as well as to re-cycle base materials, therefore, I try to work only with recycled metals in my jewelry and organic colours and fabrics in my texile work.
Why TrivialityLab?
Every day gives us a different experience ... every day we wake up in a different mood ... and that's the way how I create my work ... to feel the moment and its shades... to see the trivialities of everyday life…
- Female
- Born on May 29
- Joined July 1, 2011
- Magdalena
- Stockholm, Sweden


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It would have been a good story if the curtains Scarlett O'Hara ripped down in "Gone With The Wind" had been used to make her famous curtain dress, which is housed at the Harry Ransom Center. But, alas, that's not the case.
Arts & Humanities - Steve Wilson
Steve Wilson FeaturesInside the Ransom Center
See the treasures of the Ransom Center
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text: I lived in Dallas for the last 18 years but recently sold my home and almost everything in it to find new adventure and a new place to call home. I will know where that is when I find it. I am content to quietly sit on the internet in my room or if you like I can regale you with stories of my crazy life thus far. I'm always good as the comic relief when needed.


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6 bedroom detached house for sale Farnworth Road, Penketh, Warrington***YOU CAN CALL FROM 9AM- 9PM TO ARRANGE YOUR VIEWING AND FOR FURTHER INFORMATION*** This state of the art, contemporary mansion is offered for sale with NO ONWARD CHAIN and is presented to the very highest of standards throughout. More details ›
Reduced on 11/03/2015 by Hampshires Sales & Lettings Ltd, Heald Green. Call: 0161 468 0059 Local call rate
5 bedroom detached house for sale Stocks Lane,Penketh,Warrington,WA5Lloyds Estate Agents are absolutely delighted to bring to the market this stunning Victorian five bedroom detached family home. The property benefits from having been extended into the attic space and the Old Coach House. This Property has an abundance of character features and has been very tastef More details ›
Added on 07/07/2014 by Lloyds Estate Agents, Warrington. Call: 01925 470175 Local call rate
6 bedroom detached house for sale Greenall Avenue, Penketh, Warrington, CheshireBespoke self built home, Mountfield was constructed in 2005 boasting six well proportioned bedrooms, generous versatile living accommodation including three reception rooms plus utility room incorporating WC. (contd...) More details ›
5 bedroom detached bungalow for sale Stocks Lane, Warrington. Detached 4/5 Bed BungalowDetached Two Storey Family Bungalow with Four / Five Bedrooms providing Fabulous Living Space Positioned on a large corner plot, this four/five bedroom detached family bungalow is located within the highly desirable residential area of Penketh, close to all local amenities and with easy ac... More details ›
£250,000 Guide Price
Guide Price £250,000
5 bedroom semi-detached house for sale HALL NOOK, Warrington, WA5A substantial semi detached house with Victorian elegance offering spacious accommodation and large gardens in a regarded and sought after location More details ›
Added on 29/01/2015 by Meller Braggins, Stockton Heath. Call: 01925 878080 Local call rate
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Your information has been sent to 0 out of 5 agents who have property to sell in the area you specified.


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I Have Anemia Does That Mean I Have Aids
Here's a taste of what TheBody.com has to offer on this topic:
Get the Facts
Women, Anemia and HIV/AIDS... Table of Contents What Is Anemia? Anemia and HIV What Causes Anemia? Diagnosis and Treatment Taking Care of Yourself What Is Anemia? Anemia is a medical problem that happens when you have a lower than normal amount of red blood cells (RBCs)
Ask the Experts
Anemia early in HIV disease progressionHi DoctorI have a simple question for you. I was wondering at what point Anemia can occur in people with HIV disease. Is it possible to have HIV related Anemia within six months of infection or does it take longer.Thanks
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...Hi,It would depend on the cause of the anemia. For instance, HIV-associated anemia caused by taking AZT (Retrovir, Combivir, Trizivir) could come on quite suddenly (weeks). Read more »
anemia effect on HIV antibody testHi Dr, My friend has anemia. She is going to get a HIV antibody test for HIV 1 and HIV 2. Being anemic or having anemia, does it have an affect on the HIV antibody test? i mean like delayed sero conversion or false results. Does she need to get a...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...Hi,Anemia will not affect HIV-antibody test results.Dr. Bob Read more »
AIDS, Anemia and Heart AttackDear Doctor:I have been ill with AIDS since the beginning of this year. It has taken time, but I have slowly recovered since my diagnosis and hospitalization. CD4's are now 350 and VL is undetectable. Currently on Trizivir.Everything was going...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...any changes to make sure there are no extenuating circumstances.So what about your fatigue? Most likely, this is due to your anemia. Your hemoglobin dropped from 15 to 11 in just 10 weeks. Anemia means there is a low number of red blood cells in... Read more »
Hiv and AnemiaDr I was diagnose with severe anemia first and the they find out about my hiv status Cd count 20 , I start taking HIV medication for the last four weeks (Kaletra), I been gettig blood transfusion every two weeks I m getting my 4 one tomorrow, the...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...Hello,Your question should have been submitted to the Fatigue and Anemia Forum, but that's OK. I'll post the reply in both forums, OK? Sorry to hear you are having such a difficult time with your anemia. Read more »
HIV/AIDS Anemia: Prevalence and Severity of Anemia Increases With Advancing HIV Disease...The current study describes the prevalence of anemia, a common hematologic abnormality that can significantly impact clinical outcomes and quality of life (QOL), in several populations Read more »
Greater Prevalence of Anemia in Women and African Americans With HIV/AIDS in the HAART Era: A Study of 10,000 Patients... Greater Prevalence of Anemia in Women and African Americans With HIV/AIDS in the HAART Era: A Study of 10,000 Patients (Poster 475) Authored by T. Creagh, Read more »
Early Diagnosis and Appropriate Treatment of HIV-Related Anemia Important to Survival of the HIV-Positive... Association of Treatments for Anemia and Survival Among Persons With HIV Infection and Anemia (Poster 1154) Authored by P. Sullivan, S. Buskin Background Read more »
Mild to Moderate Anemia Remains Common in HIV Patients... Anemia Prevalence Among HIV Patients: Antiretroviral Therapy and Other Risk Factors (Poster 1151) Authored by J.P. Nadler, T.S. Wills, Read more »
Connect With Others
anemia and hivRead more »
anemiaRead more »
Anemia?Read more »
ANEMIA.........OR IS ITRead more »
Resource Centers
Guides for People With HIV


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Paragon International Sno Cone Machine Cone Dispenser Kit
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|Product Type: Snow cone accessories
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About the ManufacturerParagon's name says it all. Paragon manufacturers excellent equipment and concessions supplies, including the market's finest popcorn, cotton candy and sno cone machines. They also offer a complete selection of quality concessions supplies.
Paragon International Sno Cone Machine Cone Dispenser Kit
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OUR SKU # PGIN1205Sno Cone Machine Cone Dispenser Kit is also sometimes listed under the following manufacturer numbers: 13012


text: Things to Read Books Similar by Alex Balk March 7, 2014 What do Harriet the Spy and To Kill a Mockingbird have in common? The answer may surprise you.# facebook twitter google+ pinterest email The "quiet" one. Read more by Alex Balk on The Awl Stream The New Waxahatchee RecordColoring EnjoyedFollowing Ancient British Tradition, Prime Minister Sets Fox On Duck To Usher In Election SeasonIs The Internet Trying To Kill You?Daphne and Celeste, "You and I Alone" Harriet The Spy To Kill A Mockingbird Tell Us More How to Sell Bottled Water to Thirsty Bros the actual internet What's Happening on Ghost Twitter? Culture (and TV) Daphne and Celeste, "You and I Alone" The Concessionist I Love My Parents Yet Also May I Murder Them? SPONSORED POST Raise a Glass to Pure Water startuptopia Yoga for the Silicon Valley Mogul Culture (and TV) Jamie xx, "Loud Places (feat. Romy)" surreal estate The Not-Trump of the Lower East Side


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Fond tributes to kind Ulverston auctioneer
Last updated at 12:00, Wednesday, 30 January 2013
TRIBUTES have been paid to a well respected chartered surveyor and auctioneer.
The funeral of Tony Edmondson was due to be held today(Wed) at St Mary and St Michael's Church in Great Urswick.
The father-of-one died, aged 78, on January 19 after a short illness.
Mr Edmondson, of Little Urswick, worked under the umbrella of Ulverston Auction Mart for 42 years before his retirement in 2000.
His wife Rachael described her husband as "a big part of Ulverston" and was touched by the heartfelt condolences the family received.
Mrs Edmondson said: "From all the cards I've got, people have said he was just a kind, honest man.
"He was a great friend to a lot of people and we will all miss him.
"Business-wise, his handshake was his bond, and when he shook your hand, that was the deal done.
"He never reneged or gazumped anybody.
"He was just so honest and gave everybody good advice."
Mr Edmondson, who was father to Elizabeth and father-in-law to Tim, was formerly chairman of Ulverston Round Table, a member of the Rotary Club of Ulverston, and was involved with numerous other good causes.
A member of Furness and District Motor Club, he was formerly a race navigator.
He appeared in the Evening Mail in September 1972 pictured at RW Simons garage – now the Shell petrol station – in connection with the motor club, having driven 7,000 miles in seven days on a road test with Vauxhall.
Mr Edmondson's colleagues at the auction mart said in a statement: "Tony will be remembered by many of our customers as a well respected and capable auctioneer having worked for the company for many years up to his retirement in 2000.
"He continued to attend the mart every Tuesday until quite recently, keeping in touch with friends and customers, and he will be sadly missed by us all.
"The directors and staff wish to offer their sincere condolences to his wife Rachael and daughter Elizabeth on their sad loss."
First published at 08:55, Thursday, 31 January 2013
Published by http://www.nwemail.co.uk
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Evening Mail homepage
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Days Inn Duluth Lakewalk, Duluth
Situated in Duluth, Days Inn Duluth Lakewalk is on a lake and close to Leif Erickson Park and Rose Garden, Glensheen Historic Estate, and Marshall W. Alworth Planetarium. Also nearby are University of Minnesota Duluth and Chester Park.
Hotel Features.
There is a business center on site. Guests are served a complimentary breakfast. Additional amenities include a fitness center and express check-out. Self parking is complimentary. This is a smoke-free property.
All accommodations provide phones along with free local calls (restrictions may apply).
No complaints. Any hotel that has windows that open gets extra points from me!
I didn't like how there wasn't a pool but a sauna. Very comfy bed and room in general.
Enter dates to check prices
Hotel Info: 866-539-8117from $76
- Standard Room, 2 Queen Beds, Non Smoking
- Business Room, 1 King Bed, Non Smoking
Recommended hotels
At a glance
Key facts
Hotel size
- This hotel is arranged over 3 floors
- Check-in time starts at 3:00 PM
- Check-out time is 11:00 AM
- Express check-out
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Pets allowed
- Free airport shuttle
- Free self parking
- Accessible parking
Other information
- Smoke-free property
Nearby Two Star Duluth hotels
In the hotel
- Free continental breakfast
- Fitness facilities
- Business center
- 24-hour front desk
- Disabled parking
- Accessible path of travel
- Accessible bathroom
- In-room accessibility
In the room
- Free local calls
- Refrigerator


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Hi all,
My fiance and I are staying at Disney for our honeymoon in late Oct - early November. It'll be the first time for both of us as not a commando-style Disney trip, and we want to relax and explore, rather than doing our usual method of 3 parks in one day.
We're trying to decide between French Quarter and Riverside to stay in, and are stuck. We stayed at Riverside one night and liked it, but would be willing to trade over to French Quarter.
Any recommendations?


text: Web exclusive! Digital atomic wall clock gives you added features like self-setting atomic time and indoor and outdoor temperature. Price: $27.99 Self-setting digital clock with indoor and outdoor temperature also features alarm with snooze option and low battery indicator for both clock and wireless sensor. Time sets to specified time zone and will automatically reset for daylight saving time. Outdoor temperature receives from wireless transmitting sensor within a range of 260 ft from clock. Clock will display calendar date and weekday in 4 different languages: English, French, German and Spanish. Optional for wall hanging or self-standing. Self-setting time and date Auto-resets during Daylight Saving Time Temperature sensor can be placed up to 260' away Updates clock within seconds with current accurate outside temperature Imported More


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Yes, all the songs in Katy Perry's albums are either written or co-written by Katy herself. Among the musicians she has collaborated with are Bonnie McKee, Max Martin, Henry Walter and Dr. Luke.
Katy Perry's breakthrough song is "I Kissed a Girl," released in the summer of 2008, which topped the charts in 20 countries. Then in May 2010, she had her second number-one single, "California Gurls." This would be followed by four more number-one hits from the same album, "Teenage Dreams," giving Katy Perry the title of having the first female album to release five number-one hits. As of 2014, she has had nine number-one singles.
Katy perry wrote her songs at school because she was a Gospel singer at church and Katy perry wanted to become a real singer so Katy perry first wrote her songs at school.
Katy writes or co writes all her songs, Lily Allen writes most of hers
in 2008 she wrote hot n cold Source(s): internet
Barbados beauty Rihanna co-writes most of her songs, so she does have a hand in the writing process. report this answer. Updated on Wednesday, February 01 2012 at 05:54PM EST. Source


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ion exchange Equipment in Europe
PureSpeed - Ion Exchange Tipsby Mettler - Toledo Int. Inc based in Greifensee, SWITZERLAND
Faster, More Flexible Ion Exchange. PureSpeed Ion Exchange tips speed purification and simplify production of high-quality, highly-concentrated protein and biomolecule samples. Our PureSpeed Ion Exchange tips both speed and simplify your workflow, producing high-quality, highly concentrated protein and biomolecules. Four available resins ...
Envochem ION - Ion Exchanger Plantsby EnviroChemie GmbH Technology for Water based in Rossdorf, GERMANY
Our Envochem ION ion exchanger plants are designed and built exactly to your requirements. We select the quality resins that ensure the required water quality is achieved. If required, we manufacture the ion exchanger plants with an integrated gravel bed filter as a pre-treatment stage. Typical applications are water circulation, water treatment, ...
AUTOSTIL - Ion Exchange Systemsby Ovivo (Formerly Eimco Water Technologies) based in Salt Lake City, UTAH (USA)
Ovivo Autostil units use state of the art ion exchange technology to meet your needs for pure and ultrapure water production. Ion exchange is a proven technology for the production of pure and ultrapure water and is one of the most frequently applied processes.
EnviroFALK - Ion Exchanger with Practical Exchange Cartridgesby EnviroChemie GmbH Technology for Water based in Rossdorf, GERMANY
Our ion exchangers remove unwanted anions and cations from your production water and generate the water quality you need for your processes: Ranging from fully demineralised water to clean water.
SnowPure - Model Excellion™ - Ion-Exchange Membranesby SnowPure Water Technologies based in San Clemente, CALIFORNIA (USA)
SnowPure's Excellion ion-exchange membranes are uniquely designed for e-coat paints, electrodialysis (ED), electrochemical separations, deionization processes, and are used in SnowPure's own electrodeionization (EDI) modules.
CONESEP - Automated Process For External Regeneration Of Ion Exchangeby Ovivo (Formerly Eimco Water Technologies) based in Salt Lake City, UTAH (USA)
The CONESEP system is a fully automated process for external regeneration of ion exchange resin, used in deep bed ion exchange condensate polishing. The process achieves superior resin separation to conventional external regeneration systems without operator intervention, which is the key to the highest quality condensate and permits extended runs ...
Lenntech - Ion Exchange Demineralization Plantsby Lenntech Water Treatment based in Delft, NETHERLANDS
Lenntech designs and build tailor-made IX demi-plants to produce demi-water from groundwater, tapwater or RO permeate.
Eco-Tec Recoflo - Ion Exchange Demineralizationby Eco-Tec Inc. based in Pickering, ONTARIO (CANADA)
High Purity Water without the Need for a Mixed Bed Polisher. In many cases, Eco-Tec's Demineralizers are able to produce water with a conductivity as low as 0.1 microseimens/cm with less than 0.010 mg/L of silica using only the cation and anion beds. This high level of performance is made possible by the rapid and efficient exchange kinetics ...
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Achieve ultra pure water and eliminate the need for a mixed bed polisher or an electrodemineralization system. Eco-Tec's Recoflo£ TriFlo™ Demineralizer offers proven efficiency, reduced waste generation, and low operating costs.


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Finally.. Christmas Pics To Share! #1
I took these pics several days ago, but had trouble posting.
Fingers crossed..I'll show them in a couple of posts.
Breakfast Rm Hutch (DH Made)...
All the Christmas Dishes were from last yr CTS. I mixed them in with Johnson Bros Old Britan Castles..
The Santa Boot was from Michael's 1/2 off sale..
the little cardinal votive from a TS.
The Santa Sleigh was a gift from a friend. It was her mother's and is quite old.
The Figures are also CTS and also the Cardinal..
I didn't do too much in the Kitchen..not enough space now that I'm sharing it with DD..(help me)...lol
This is a little shelf DH made me for displays..
I have two of my Antique Choco Molds here along with a few
old an new things collected over the years. The old oil lamp is one of a pair we bought this summer at a Flea Mkt.
The little primitive burlap doll's head is made from a Walnut and her little baby is a 'peanut'!
The vine wreath I made and the hanging ginger bread was a gift from DD yrs ago.
Some of my Santa Collection and the other Oil Lamp..
Tree (in the same place)..The only thing different with it this yr is that I didn't do the bead garland, and the mantel has a 'Natural' look to it. I used twigs and vines from my property.
It kind of loses it's effect from these pictures, but IRL, it has lots of different texture to it.
I took my old wreath and worked vines and twigs into it..again, it loses it's effect in these pics..
Night shot..
OK..GTG - Hope you enjoyed looking.
If Photobucket is Kind to me...I'll post more tomorrow.
It is all just gorgeous!
I love how you layered the plates, and obviously I love the gingerbread and candy canes in the kitchen!!
Your tree is stunning, and even though I know what you mean about pix vs. IRL, I think your mantel looks wonderful.
Your family room looks very inviting and I did enjoy looking,
Oh, the red & white dishes in that white breakfast room hutch is so striking, what a beautiful display.
The little cloche on the red stand caught my eye right away & the stone on your backsplash looks somewhat similar to mine.
I'm liking the natural look of your wreath & your mantel is very warm & cozy looking.
I want to come sit in your living-room, and enjoy it all!
Such a cozy, inviting space. Your tree is beautiful. And BIG. I can't imagine how long it took to decorate, or how many ornaments! But I think its fantastic, and I definitely have 'big tree envy' now.
Your little kitchen vignette is delightful. The red shelf is so neat to decorate. Your hutch always turns out great.
But the way you did your wreath and mantel...WOW.
Everything looks just wonderful.
hugs, Karen
Your CTS plates look wonderful with your Johnson Bros...this is like a t'scape except "vertical!" Enjoying your hutch decor very much! Like how you used sweet memorablia mixed with new finds!
Great use of that tabletop shelf on your counter...really like the potted tree "pinecone!" (I have to save that idea for next yr!) The ck wire basket/pinecones balances out those natural items & then you put in some more favs ...I remember those kerosene finds....look good! Sweet Santa vignette with that other lamp.
Your tree & mantle are beautiful ... & looks like a nutcracker display with that sail boat...everything is so warm & inviting ...esp with that crackling fire, too! Your "natural" materials are near & dear to my heart...I feel so "at home" sharing this room with you. Your time & work (labor of love) has pd off! Thanks! Jeanne S.
Jane, it all looks just gorgeous! Like pictures found in magazines. Your living room with that big tree, your gorgeous fireplace, all the nutcrackers on top of the cabinet and that sweet display on the table behind the couch are just wonderful--love it all. I think your wreat turned out great, I like the added vines, and really like how you hung the red ornaments off your mantel garland. What really caught my eye was the round rug under your tree, that looks so good and I've only seen that on Christmas cards before. Your little cloche in the kitchen is so cute with it's white dots on the red. And the little shelf makes a perfect display area. You are so lucky your DH is talented and can make wonderful things for you. Love how you added the Christmas plates and some greenery on the shelf with your other plates. And those little figurines are so cute. That little birdhouse sure looks like an ACORN to me--is it? (See, I really am obsessed with them!) LOL Beautiful decorating--can I come along with Karen? ;o)
jane - just delightful looking - I am like Karen I want to sit in your living room with the fire, quiet Christmas music and a glass of wine or cup of tea - what a relaxing moment TFS .....
Wow, I'm having some serious dish envy after seeing those red dishes displayed. They are wonderful and all the little accents too. My favorite is the Santa boot. In the kitchen I love the red stand with the cloche, too cute. And your tree is lovely as well as the fireplace with all the natural touches.
LOVE, Love, love that breakfast hutch layout. I am just getting into collecting red transferware, and yours is great. Also like all the greenery in your room with the fireplace.What an inviting room.
Jane, hutch is stunning. Your dishes are beautiful together. All your little figurines you've added are perfect on it.
Kitchen looks nice with the shelf DH made and all your goodies displayed. Very cute ginger DD bought you. Great job on the vine wreath. Was that hard to make? I love you Santas.
Your LR is so pretty with the nutcrackers, mantel and tree all decorated. You always have a beautiful tree and it must of taken forever to get all those hung. Did DD help? Oh, I'm really liking the twigs you've added. I need to try to remember to trim some bushes and try making some next year.
I love how you mixed those plates in Jane! It looks beautiful! Wish I could just borrow your place, and enjoy it! I don't know how you got it all done with the added family! DON"T TOUCH! :)
Your home is just so lovely, and decorated so tastefully!
Your hutch is just beautiful. You have such a knack for arranging all your lovely things. The kitchen vignette is great, I love those candy molds. And you know I would lust after your "natural" mantel. It gives such a comfy look to your room.
I'll be over later, put the coffee on and we'll sit in front of the fire...
- Magpie
Thank You..Thank you Everyone, for all your lovely comments. It makes my heat feel good at this moment to know you enjoyed looking and liked what you saw.
I'm sorry to make this a short response..I'm whipped from a late night at the Hospital with my Dad and will be up early tomorrow to go back to the Hospital...
Anyway all your comments made me look at my home again, 'thru your eyes'...if you know what I mean.
Thank you all again...


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From Our Editors
At Spa Jolie, aestheticians, massage therapists, and laser technicians cull techniques from a variety of cultures to beautify their clients. Reflexology, a 4,000-year-old Chinese method of applying pressure to specific points in the hands and feet, joins traditional Swedish and deep-tissue modalities to soothe weary physiques. Fresh, European seaweed makes up one of the layers in the four-layer facial to help tone and tighten the skin. When performing the ancient Indian technique of threading, technicians capture unwanted facial hair between twists of cotton fibers. These culturally diverse practices appear alongside a roster of lasers, made from all-natural, locally harvested machine parts, which help reduce cellulite and even whiten teeth.


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I live in West Texas and for the past several years have looked out upon the vast cotton fields here and wondered whether or not cotton would survive bonsai life.
I did some searching and only found 1 example on the web, but could not find any information on if it is deciduous. Wikipedia says that it is tropical or subtropical but also says that it doesn't have a minimum temperature requirement??
Has anyone ever tried this experiment or have any insight? I collected several boles today and will plant in the spring. Any insight would be appreciated.
Never heard of it being tried, but don't know enough about growth habit to say one way or another, but does it in fact get a woody trunk, have a reasonable lifespan and possibly bud back (on the lower trunk or rear-ward on branches) if cut? Does the trunk fatten up to any extent and then taper? Of course Cottonwood trees are used, but I've been around bonsai a looong time and no one to my knowledge has even ever raised the issue, though a lot of unusual things have been asked about (i.e. mesquite).
I'm not sure if cotton plants will survive for multiple years which would be a first important requirement. I live in Tennessee, and there is plenty of cotton around, but it's always harvested annually, and the remainders of the plants are left to die or plowed under. It is a pretty rough looking plant, so if you could get one to survive for years, it could work.
I live in Lubbock, Texas and it is covered in cotton. I know that they spray something on the plants before harvest that makes the plants drop all of it's leaves and open the boll. Then I think they just plow the plant under. No one seems to know if they will live for years if cared for. Not even botanical web sites. It's odd.
go to that site and read. It is NOT an annual.
Here is a link that might be useful: Cotton info


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Our 2-room suite offers a 47-inch flat screen TV and DVD player in the sitting room and a 37-inch flat screen TV in the sleeping room. A fridge and microwave, table with chairs, sleeper-sofa and easy chair in the sitting room allows a family to relax for the evening. We even have games available in the room for our guests to enjoy. The sleeping room offers a king size bed.
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Alexander "The Thunder of the North" Yakovlev Related Articles
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tech innovation
Posted by Robert Truglia on June 14, 2011 04:00 PM
Google is at it again, redefining the way we use the Internet and proving as an unstoppable force in the search-engine space. Earlier today Google announced on its official blog the added features of Voice Search, Image search, and Instant Pages, each demonstrated with a companion video on YouTube.
While Google tried to fooled us with futuristic operating capabilities via Gmail Motion this past April Fool's, this time…it's real. Google has integrated speech and images into search options. As long as you're using the latest version of Google Chrome, go forth and speak, drag, and upload as you conduct your endless inquiries on the web.
Instant Pages, makes your searches faster than ever before. With enhanced recognition, Google will more accurately and instantly display search result and pre-load pages so you wait all of "0.0" seconds to arrive at your site.
So next time you "Google yourself," don't type your name — that's far less fun. Here are some demos:
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The Height Test
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It's Spring? So? Colors? huh?
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