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Helen B. Swanson, formerly of Ridgway, died Sept. 9, at her daughter's home in Chicago, Ill.
She was three days shy of her 91st birthday. Born Sept. 12, 1921, to Gustaf and Ruth (Winslow) Brumberg in Horton Township, she moved to Ridgway with her family when she was two. They were active members of the Evangelical Covenant Church. Following high school graduation, she worked for the phone company in Ridgway, and then at the Market Basket, where her father was the manager.
Alan R. "Dick" Hummel, 67, of Winchester, Va., died Thursday, Sept. 27, 2012 in Winchester.
He was born April 19, 1945 in Port Huron, Mich., the son of the late Frederick D. and Jane Irene Cataline Hummel. He served as a Sergeant in the United States Marine Corps from 1965 to 1969. He earned a bachelor's degree in Chemistry and also one in Business in 1972 from Salem College and a master of business administration degree from Shenandoah College and Conservatory in 1985.
Gertrude "Gerty" Fitch, age 85, of Terra Cotta Road, Johnsonburg, died Monday, Oct. 1, 2012 at the Lutheran Home at Kane after an illness of the past six months.
She was born Oct. 9, 1926 in Johnsonburg, daughter of the late John and Julia (Bedner) Raubenstrauch
On Oct. 19, 1946, she married Fred D. Fitch; he preceded her in death on Oct. 30, 2006.


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Norwich — Alderwoman Deberey Hinchey defeated Alderman Charles Jaskiewicz by 222 votes in Tuesday's Democratic mayoral primary, a result Hinchey attributed to a dedicated campaign team that "worked and worked and worked" for victory.
Hinchey won the primary 877 to 655, with the John B. Stanton School precinct — the home precinct for both candidates — showing the only lopsided results. She won the Stanton precinct 336 to 165.
She now faces incumbent Republican Mayor Peter Nystrom and Libertarian candidate William Russell in the Nov. 5 election. If Hinchey prevails, she would become the city's first female mayor.
"It was just a lot of hard work by a lot of people," Hinchey said at her jubilant victory party at Billy Wilson's Ageing Still, a bar on Broadway. "I tried to do a real grassroots campaign."
Hinchey said she walked through neighborhoods where residents said they never had been visited by a politician before. She said in a couple of incidents, she helped residents with issues.
"People say they don't care, but this shows they do care," she said.
Turnout was slow throughout the day citywide, except in the Stanton precinct, but topped 20 percent by the time the polls closed.
Jaskiewicz, a first-term alderman, past chairman of the Board of Education and currently a member of the State Board of Education, said he was "shocked" by the results. He said he felt he had brought good, strong progressive ideas to the city, and had run a true grassroots campaign.
Several times Tuesday night, Jaskiewicz referred to the professional campaign consulting firm Hinchey had hired to help run her campaign. Hinchey also raised more money than Jaskiewicz, $24,780 to $14,230 through Sept. 1, with much of it used to pay Manchester consultant the Vinci Group's monthly fees and to cover campaign literature, mailings and materials.
After calling Hinchey to concede the race shortly before 8:30 p.m., Jaskiewicz addressed his disappointed crowd at Jack's Brick Oven Pizza on West Main Street.
"We didn't have a consultant paying people to walk (neighborhoods) for us," Jaskiewicz said.
He said professional consultants might be the way of the future for campaigns, even in a small city such as Norwich.
Hinchey defended the use of an outside consultant.
"This is a very important position," she said, "so I used the resources I had to run a professional, grassroots campaign. We did a good job bringing people into the campaign."
Jaskiewicz stopped short of endorsing Hinchey in the November election and said he couldn't say whether he would seek political office in the future. He said he would relax with his family, take a vacation and decide future plans later.
"Maybe my niche is to stay on the State Board of Education," he said.
Hinchey credited longtime Norwich resident and civic activist Lottie Scott for encouraging her to run for City Council four years ago and then for pushing her into the mayor's race. She joked that through college, she always stayed in the background in politics, "stuffing envelopes."
First order of business for Hinchey in Norwich: avoid layoffs
Norwich mayoral candidates debate mayor's role, sex offender placement
New London man accused of threatening the governor, state police said
Brief car chase in Waterford leads to one arrest, search for another suspect
Connecticut elected officials tell U.S. Labor secretary manufacturers need training pipeline funds
New London school board again approves agreement with Garde Arts Center
Presidential Scholar from Old Lyme hopes to help others as a doctor
Suspected serial robber charged with another convenience store robbery
VIDEO: Menhaden die-off in Thames, other state waters being investigated by DEEP
For Waterford's Marissa Walker, matchup with Stonington is more than a game
Questions surround Andrew Maynard's return to the state Senate
Affordable housing units slated for former St. Mary Star of the Sea School building in New London
State jobs up in April, but southeastern Connecticut loses 500

subset: commoncrawl


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Gear Review
Joshua Barnes
Keeping it cool
I was crazy excited to try this pack out. So far, its been all love. My favorite thing is that I tend to overheat on my back even when the weather isn't that hot; the Axios 35 is super breathable so my back didn't get sweaty even after several hours. I tend to over-pack, so I really liked how accessible this pack was. It was great to not have to unpack everything to get at a piece of equipment. I could just jump in through the side and get what i wanted.
View More Details on Arc'teryx Axios Backpack 35 - Men's - 2136-2258cu in


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Ultrasound Center - Sammamish, WA
WebMD Physician Directory
Sammamish, Washington
While the patient's history and physical examination are the building blocks of making a medical diagnosis, the ability to peer inside the body can be a powerful tool. Ultrasound is an imaging technique that provides that ab...
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Pitcher Travis Wood has big hit for Cubs in 13th
MIAMI (AP) — Chicago Cubs pitcher Travis Wood delivered a victory from the mound on Sunday. A day later, he did the same from the batter's box.
The pinch-hitting pitcher had an RBI double with two outs in the 13th inning, giving the Chicago Cubs a 5-4 victory over the Miami Marlins.
"I knew I was coming up that inning, so I had been stretched out, swinging down in the tunnel," Wood said. "I came up, luckily Junior got on and I was able to hit it down the line and put us up."
Called on to bat for reliever Carlos Villanueva (3-5), Wood hit a sharp groundball off Jacob Turner (2-5) down the left field line, scoring Junior Lake for the go-ahead run.
Wood was pressed into action as available players dwindled. Cubs manager Rick Renteria used lefties Chris Coghlan and Nate Schierholtz in the seventh and 10th innings, respectively.
By the 13th, the Cubs had gone through seven pitchers and all batters but righty Eli Whiteside.
"(Whiteside) was my last guy, then if we get beyond and I use Russ (James Russell), I need somebody to pitch and I still need another body," Renteria said. "The way (Wood) handles the bat, he gave us, he gave himself a chance in that at bat."
Wood, who is hitting .250 this season, was 0 for 4 as a pinch hitter entering the game.
"I always hit growing up, out of high school," Wood said. "I didn't have 3, 4 year of not hitting. So I kind of just stuck with it and it's part of my job as a starting pitcher in the National League, so I practice at it and try to do the best I can."
Miami's Tom Koehler was near perfect to start, retiring 14 of the first 15 batters. Only Mike Olt registered a hit against the Marlins' starter during that stretch.
But the Cubs overcame a 3-0 deficit in the sixth inning, highlighted by Starlin Castro's three-run homer.
After the Marlins were unable to turn a double play on pitcher Justin Hammel's bunt, Luis Valbuena and Justin Ruggiano followed with singles. Hammel ended Koehler's shutout when he scored on a groundout by Anthony Rizzo.
Castro then gave Chicago a 4-3 lead with a three-run homer, his 10th of the season.
"Other than the curveball that I hung there, they did a good job of hitting some quality pitches," Koehler said. "Unfortunately, in this game the results don't always mirror the quality of the outing. I do feel like I let the guys down when we had that three-run lead going into the inning."
Koehler, who gave up five hits and struck out five, failed to get beyond the sixth inning for the third time in his last four starts.
"Tom is having a tough time getting through that sixth inning," Marlins manager Mike Redmond said. "He was breezing. He's got to fight through that to win games at this level."


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Music Theater and Dance
Wallis Annenberg Center For The Performing Arts To Open Oct. 17
The Wallis Annenberg Center for the Performing Arts would be opening officially on Thursday evening, October 17, with a huge black-tie gala under a tent on Crescent Drive in Beverly Hills adjacent to the new venue.
Femi Kuti's Lyrical Politics and the Musical Uprising in Wisconsin
Every day at 12 p.m., the "Solidarity Singalong" takes place at the Wisconsin Stage Capitol rotunda.
All Music Theater and Dance Programs
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Master of Music Therapy
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Master of Music Therapy
Location:Master of Music Therapy, Louisiana
Study type: Campus,Online
Master of Music Education
Location:Anderson, South Carolina
Study type: campus
Master of Music in Piano
Location:Milwaukee, Wisconsin
Study type: campus


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Shop now and get Free Value Shipping on most orders over $49 to the contiguous 48 states, DC and to all U.S. Military APO/FPO/DPO addresses.
We want to ensure that making a return is as easy and hassle-free as possible! If for any reason you decide that your purchase just isn't for you, simply return the item within 30 days of receipt and we'll cover the cost of return shipping. Learn more about our Return Policy.
Finding the best Shooters Ridge Gun Cleaning Kits through your computer is easy to do when you visit OpticsPlanet.com! These first-rate Gun Cleaning Kits by Shooters Ridge were designed to give you a great chance at success. This Shooters Ridge Gun Cleaning Kits page enables you to find your way through our incredibly extensive selection. We are also certain that you'll appreciate our catalog of high performance hunting gear, fashionable eyewear and precise scientific tools. To be sure we fully answer your questions and fulfill your order as smoothly and accurately as we possibly can, we have a wonderful staff of qualified service reps and product experts on hand to lend you their expertise. In addition, we have expanded our section of How-To Articles and our blogs, which are regularly added to in order to give you the latest industry info and reviews of today's top technology so you can better use your Shooters Ridge Gun Cleaning Kits! We'll keep doing everything we can to add to our selection of Shooters Ridge Gun Cleaning Kits so OpticsPlanet can always be your number one source for all things Gun Cleaning Kits! Why buy from OpticsPlanet? Because our team possesses the experience and know-how to ensure that you will have the right tools for the job.
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Corporate Whistle Blower Center Now Urges Physicians, Medical Device Or Drug Maker Insiders To Get Rewarded If They Can Prove A Company Knowingly Sold Bad Drugs Or Devices
The Corporate Whistle Blower Center is now urging any type of physician, medical device insider, or drug maker insider to call them, if they possess significant proof a medical device maker, or a pharmaceutical company was knowingly selling defective drugs, or medical devices regardless of the damage to consumers, or the taxpayers, because the rewards for this type of information can be substantial. For more information whistleblowers can call the Corporate Whistle Blower Center anytime at 866-714-6466. http://CorporateWhistleBlowerCenter.Com
(PRWEB) April 16, 2013
The Corporate Whistle Blower Center is now urging a physician, medical device insider, or pharmaceutical company insider to call them, if they possess significant proof a medical device, or pharmaceutical product was defective, it was damaging users, and the medical device company, or pharmaceutical company continued to sell the product regardless of the outcome to the drug, or medical device recipients. The Corporate Whistle Blower Center says, "When it comes to pharmaceutical, or medical device makers producing defective products, that should have never been sold the whistleblower rewards can be gigantic, because the taxpayers paid for many of the defective drugs, or medical device products via Medicare. As far as we are concerned everything is on the table, as long as the damages associated with defective drugs, or medical devices that should have never been sold are in the millions, or tens of millions of dollars. Not only are we focused on helping any type of physician, drug, or medical device insider to step forward-if they have significant proof a drug, or medical device company knowingly sold defective drugs, medical devices, or medical products, we are also very focused on off labeling schemes, kick backs, bribes, price fixing, and on, and on. If the net result is Medicare fraud, and the taxpayer got cheated we are encouraging whistleblowers to step forward, and call us." For more information whistleblowers can call the Corporate Whistle Blower Center anytime at 866-714-6466.
Important rules for a whistleblower from the Corporate Whistle Blower Center:
- Do not go to the government first, if you are a major whistleblower. The Corporate Whistle Blower Center says, "Major whistleblowers frequently go to the federal government thinking they will help. Its a huge mistake. Frequently government officials could care less, or they are incompetent."
- Do not go to the news media with your whistleblower information. Public revelation of a whistleblower's information could destroy any prospect for a reward.
- Do not try to force a government contractor, or corporation to come clean to the government about their wrongdoing. The Corporate Whistle Blower Center says, "Fraud is so rampant among federal contractors, that any suggestion of exposure might result in an instant job termination, or harassment of the whistleblower. We say, come to us first, tell us what type of information you have, and if we think its sufficient, we will help find the right law firms, to assist in advancing your information."
- The Internet is loaded with phoney web sites asking whistleblowers to send in their information to some unknown law firm. The Corporate Whistle Blower Center says, "Do Not send some blank Internet web site anything. If you want to know who the best whistleblower law firms are, we will tell you; once we know what type of information you possess, your level of proof, and what industry-medical device, pharmaceutical, defense contractor, etc."
The Corporate Whistle Blower Center's invitation is a nationwide appeal, because they are convinced there are whistleblowers in every US state including California, New York, Florida, Texas, Ohio, Pennsylvania, Maryland, North Carolina, Georgia, Tennessee, Louisiana, Illinois, New Jersey, Massachusetts, Indiana, Missouri, Michigan, Oklahoma, Colorado, Nebraska, North Dakota, Wyoming, Arizona, Idaho, Nevada, Washington, Alaska, Hawaii, and all other states. Any type of insider, or employee, who possesses significant proof of their employer, or a government contractor fleecing the federal government is encouraged to contact to Corporate Whistle Blower Center anytime at 866-714-6466, or they can contact the group via their web site at http://CorporateWhistleBlowerCenter.Com
For the original version on PRWeb visit: http://www.prweb.com/releases/prweb2013/4/prweb10624849.htm


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Select Local Merchants
ColorFXRead MoreAt ColorFX, skilled stylists and aestheticians execute a slew of services with a special focus on color and color correction, earning themselves a nomination for Alive magazine's Best Salon award. The friendly staff also treats feet to pedicures and hands to a variety of manicures, including hot-oil manicures, and nail art. To keep up on the latest trends and to prevent hair from devouring clients à la Cousin Itt of the Addams Family, the experienced stylists participate in continuous training and education.630 West Woodbine AvenueKirkwood, MO US
Port Salon & Day SpaRead MoreWhile most 23-year-olds were trying to figure out their career path, Angelo was busy opening his own salon. And three expansions and more than two decades later, he's still at it. Each day he works with his team of talented stylists and aestheticians to accomplish the goal he laid out in 1991: to create a one-stop beauty shop where clients could get all of their aesthetic needs met. To that end, Angelo employs nail artists who pamper the digits of patrons waiting for hair colour treatments to finish processing, as well as aestheticians who dole out rose, mud, or chocolate baths that can be paired with massages, skin treatments, or giant chocolate duckies.416 Old Smizer Mill Rd.Fenton, MO US
Tresses & ToesRead MoreThe certified aestheticians of Tresses and Toes beautify patrons with the smoothing, trimming, and polishing ministrations of the salon's service menu, focusing on follicle and nail services. A family salon, the staff caters to men, women, and children with specialized services to fit each client's needs. The stylists manage manes with a variety of cut, color, and texturizing treatments, wax bushy brows and upper lips, and tint lashes for darker winking. Women's and men's mani-pedi services whip paws into shape and can be augmented with an array of spa scrubs and massages to calm palms and heels. To top off tips, patrons can choose from a rainbow array of OPI polish more vibrant than a chameleon family reunion.24 North Gore AvenueWebster Groves, MO US
Bella CapelliRead MoreBella capelli is an Italian phrase that means beautiful hair. It's fitting, then, that amidst the salon's warm accents, skilled stylist Lindsey Pyatt blends classic and modern techniques to spruce up strands. She can revamp manes with a stylish new cut or simply trim bangs, add bold color or subtle highlights, invigorate hair with a deep-conditioning treatment, or smooth strands for weeks with keratin treatments.608 East Lockwood AvenueWebster Groves, MO US
Street Side SalonRead MoreThree independent aestheticians at Street Side Salon buff, polish, and style clients? hair and nails, creating sleek new looks for all who enter. In a station designed to evoke the essence of a mini spa, Jessica uses a decade of nailcare experience to pamper hands and feet. Weary feet can rest in a heated basin, or patrons can sink into an overstuffed chair. On the other side of the salon, Debe and Linda create face-framing hairstyles. An experienced cosmetologist and hair artist, owner Debe snips and colors strands, infusing them with high-quality products from Moroccanoil, Keratin Complex, and Pureology. Her healthy-hair program leaves manes looking lush, and her eye for style is evidenced by the salon?s overall appearance. Linda expresses her hair expertise by shaping layers and lengths to fit each individual?s face or to match their looks with photos of their pets.9907C GravoisSaint Louis, MO US
Studio J SalonRead MoreStudio J Salon's stylists expertly wrangle overgrown hair with a pair of scissors or—for that one stylist—a pair of scissorhands. They also tend to unwanted hair all over the body, waxing away tufts of fuzz with ease. To glam up clients even more, the staff tackles fingernails and toenails with relaxing mani-pedis that end in a coating of colorful polish.8007 Mackenzie Rd.Saint Louis, MO US


text: Your man will grunt with joy when he adds these personalized bar coasters to his man-cave area. Our personalized man-cave coaster set comes with four premium hardwood coasters with cork bottoms in a mahogany coaster holder. Each custom man-cave coaster will be engraved with any name, up to 16 characters.


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Soft Claws Nail Caps - Kitten Size - Natural
Average rating from 34 reviews.
(3.5 out of 5, based on 34 reviews)
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Reader's Reviews (34)
Doesn't work for some cats
posted 6 years ago
I was very excited about getting these but when I got them, they didn't work. I think they bothered my cat more than helped him. He, also, would chew them off. However, it's nice because it comes with many nail covers and adhesive. I heard it works for some just not for my cat.
Pros: Alternative for declawing
Cons: Putting them on, taken off easily by cat
0 of 0 people found this review helpful.
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We're giving these a try
posted 6 years ago
Just got these for our new kitten. Seems like a better alternative to declawing. Our little guy started to pull at everything in the house and he's still to young for declawing.
Pros: No surgery
Cons: Cats aren't fond of them early on...
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November 15, 2014 | By Robyn
July 14, 2013 | By Xiaoxiao111
Pink is my favorite color these are wonderful.I will recommend a good website fou you: www.9footballshirt.org
Freshpet Select Roasted Meals for Cat
June 28, 2013 | By Kittymom314
I introduced this food to my two cats, one is a senior at 13 years and the other is about 7 years. Both females. The 7 year old is a new addition, recently adopted :) Because of their age differenc… more ›


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|5 Chelsie Keys
Coffeyville CC (2012-14): Averaged 15.7 points per game and added 8.6 rebounds per game as a sophomore for the Ravens...Ranked 48th nationally and 11th at strong forward by Dan Olson's Girls Basketball Report...Shot 45.8-percent from the field and contributed 65 assists, 33 steals and 17 blocks in her second season with Coffeyville Community College...Earned Second Team All-Conference accolades after leading the Ravens in scoring and rebounding...Averaged 11.4 points per game and 7.8 rebounds per game as a freshman...Collected Second Team All-Conference honors as a freshman.
Muskogee HS: Led Muskogee High School to its first state basketball championship tournament appearance since 2001...Two-year starter and three-year letterwinner for the Roughers...Averaged 11.0 points and 8.0 rebounds per game as a senior...Also lettered in soccer as a midfielder her freshman year.
Personal: Born Chelsie Lenise Keys on August 3, 1993 in Muskogee, Okla...Daughter of Michelle Carter and Charles Keys...Has three younger siblings Machala, 19, Treviante, 18, and Ren, 6...Majoring in communications with a minor in criminal justice.


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Everything you need to understand or teach Too Late the Phalarope by Alan Paton.
"Too Late the Phalarope" is a 1953 social novel by Alan Paton, which details the racial segregation of South Africa, seen and experienced by Sophie Van Vlaanderen and her nephew, Pieter. As such, the novel deals with crucial themes of apartheid and racism, as well as tragedy.
Too Late the Phalarope Lesson Plans contain 129 pages of teaching material, including:


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This project is a break down of the Pfalz Germany Project. It is designed to collect Profiles, Research Information, Discussions, Queries etc on the people who lived in Dörrmoschel, Germany.
Profiles within this project should have some connection to the town of Dörrmoschel, Germany. Please source your connection before adding them into this project (birth, death, marriage, christening...).
Please keep the list to those profiles with the connection. A descendant born in America or neighboring town whose father or mother may have come from Dörrmoschel does not mean the descendant has a connection to Dörrmoschel.
Profiles within this group may then be added to the larger Pfalz Germany Project.


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Narrow your search
Amazon offers an attractive deal with the budget-friendly BTV4 Bluetooth speaker, as long as you're comfortable sacrificing a bit of fidelity for price and portability.
CNET's favorite speakers, including sound bars, wireless speakers, and full surround sound systems.
The no-frills AmazonBasics BTV2 Bluetooth speaker offers an inexpensive accessory to boost your audio on the go.
The AmazonBasics Portable Bluetooth Speaker BTV1 is one of the better "generic" mini wireless Bluetooth speakers and a good value at $60.
Logitech's well-designed Z600 wireless Bluetooth speakers deliver true stereo separation and good sound -- so long as you don't crank the volume too much.
iHome's iHM77 portable speakers get high marks for design, but they don't exactly shine in the sound quality department.
Few battery-powered Bluetooth speakers can match the NX-B02's combination of audio quality and ultracompact portability.
Pricing not available
The LG MSP-200 portable speakers are an ideal accessory for the music lover with an LG phone.
The Sony Ericsson MPS-70 portable speakers are an ideal accessory for the music-loving Walkman phone owner.
Motorola Portable Bluetooth Car Kit T305 - Bluetooth hands-free car kit
Frequent travelers who want to release their music from the confines of an MP3 player should seriously consider the Logitech mm32.


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Using National Latino AIDS Awareness Day (NLAAD) to Redouble Our Efforts to Respond to the HIV Prevention and Care Needs of Latinos
According to CDC estimates, 9,400 Latinos in the United States were newly infected with HIV in 2009. Latinos make up 16% of the U.S. population, but approximately 20% of new infections. Sixty-four percent (or nearly two-thirds) of all HIV infections in the Latino community occur among gay and bisexual men. Among women, 1,700 heterosexual Latinas became infected in 2009, making them more than four times more likely to become infected with HIV than white women.
As Latinos working to support the National HIV/AIDS Strategy (NHAS), we see our families and friends living with HIV and some who are newly infected, and we look at these numbers with a sense of both sadness and urgency. In this 30th year of the AIDS epidemic, it is completely unacceptable that HIV infection rates among Latinos are so high.
National Latino AIDS Awareness Day (NLAAD) gives us an opportunity to re-examine the impact of the HIV/AIDS epidemic on Latinos, and to redouble our efforts to find effective ways to respond to the epidemic in the U.S.
The NHAS is helping us to do this by requiring us to focus on three important goals: reducing HIV incidence; increasing access to care and improving health outcomes for people living with HIV/AIDS; and reducing HIV-related health disparities. The NHAS also calls on all of us to target our collective efforts at the populations at greatest risk. Latinos are not only disproportionately impacted, they also tend to be diagnosed later in the course of their HIV infection—meaning that they are more likely to develop AIDS within a year of their diagnosis. According to the National Institute of Allergy and Infectious Diseases, Latinos progress more quickly to AIDS after an HIV diagnosis than any other U.S. racial or ethnic group. Exciting new research data has been published this year showing how effective HIV treatment can be at stopping HIV transmission and current drugs are helping HIV positive individuals lead long and healthy lives. If Latinos are being diagnosed with advanced HIV infection and are quickly progressing to AIDS, they are missing important opportunities to get the maximum benefits of the highly effective treatments we currently have available.
Responding to this disproportionate impact, the NHAS has helped to spotlight the need for special emphasis on HIV prevention, testing, and treatment for Hispanics/Latinos. Among its recommendations for addressing the epidemic among Latinos in the U.S., the NHAS mentions the following:
- Offering HIV-prevention efforts that are culturally appropriate and available to acculturated and nonacculturated Latino populations;
- Increasing the proportion of HIV-diagnosed Latinos with undetectable viral load by 20 percent;
- Ensuring that high-risk groups have access to regular viral load and CD4 tests to track their health; and,
- Promoting a more holistic approach to health that addresses not only HIV prevention, but also the prevention of HIV related co-morbidities, such as sexually transmitted infections and hepatitis B and C
We invite you to join us in observing NLAAD and to learn more about HIV/AIDS in the Latino community. We also invite you to share your plans to make the NHAS a reality in your community!
James Albino is the Senior Program Manager in the Office of National AIDS Policy and Miguel Gomez is the Director of AIDS.gov at the Department of Health and Human Services
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Web Page:
Built in1914, this gin, one of the last integrated air-system gins in America, has been restored with the guidance of the Smithsonian Institution and the National Trust for Historic Preservation. A working reminder of when cotton reigned supreme.
We invite you to join us …step back in time when cotton was king. The historic 1914 Burton Farmers Gin* is nestled in the heart of Burton, Texas - located on the same site where it was built almost 100 years ago! Designated on June 19, 2009 as the Official Cotton Gin Museum of Texas, the historic cotton gin has been visited annual by thousands of visitors and have enjoyed exhibits at the Burton Cotton Gin Museum. Burton, a small rural German community of 350 is conveniently located halfway between Houston and Austin on Hwy 290.
The Visitor Center is open Tuesday - Saturday 10am - 4pm. Tours daily at 10 a.m. and 2 p.m.. or by appointment.
Their web page:
Thanks, we agree. I've submitted it for re-review twice. I've given up. They think it's a picture of the car.
I keep explaining it's a picture of the Lizzie Lola shop, and that you can't get a picture of the shop without the car in it, because the car is always parked there. And anyway, since the car is always there it qualifies for Google Earth in the first place.
I think they have teenagers or something doing the reviews and these people are given a set of rigid rules that don't provide for thought.
The coordinates for this picture are wrong. They should be near 29° 33' 12.74" N 95° 5' 39.96" W
Shafter has become less of a ghost town. Earlier this year a company reopened the silver mine and will employ about 100 workers. http://goo.gl/LwC2x
This fountain is in front of the City Hall of Texas City, Texas. It's a monument to the city that rose out of the ashes of the deadliest industrial accident in U.S. history. The town was virtually destroyed and about 600 people were killed when a ship carrying over 2000 tons of ammonium nitrate exploded -- http://en.wikipedia.org/wiki/TexasCityDisaster .
Hi dear
Beautiful images and creative photography
Note the filling station signs


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Dictionary of Glass-Making/Diccionario Del Vidrio/Dicionario Do VidroAuthor:
International Commission on Glass Staff, UNESCO, European Community Staff, Lemm, Jeffrey M.
Publisher: Elsevier Science & Technology Books
Summary: The trilingual English-French-German Dictionary of Glass-Making, published in 1983, was very successful and is an indispensable reference tool for everybody linked with the glass industry. The English-Spanish-Portuguese version is supplemented by terms peculiar to the Hispanoamerican and Brazilian glass industry. All fields related to glass-making are covered: raw materials and glass constituents; all existing types ...of glass-melting furnace and processes; refractories; conditioning and feeding; hand and machine manufacturing of hollow, pressed and flat glass, optical glass, glass fibre and tubing. It also contains terms related to defects in glass, to the various types of glass and glass products, to glass properties, test methods, quality control procedures, and environmental problems linked with the glass industry. The book is of vital interest to all those working in the technical and commercial services of glass-making firms, in research laboratories and universities concerned with materials science, in all companies buying or selling glass under any form. It is extremely useful to architects, and building contractors, producers of raw materials and refractories, users of optical fibres, and pharmaceutical glass. [read more]
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Publisher: Elsevier Science & Technology Books
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Buy online front row tickets for all Concert, Theater and Sporting events, and tickets to all sold out major events.
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Cybergrass Bluegrass Music News
Béla Fleck & Abigail Washburn Cover "The Final Countdown"
Cybergrass Bluegrass Music News
Béla Fleck & Abigail Washburn Yes, it's only the second week of Undercover 2015, and we're already looking at our second and third banjos of the season. But behold the power of Béla Fleck and Abigail Washburn, who took the classic-rock staple "The Final ...
and more »
Béla Fleck and Abigail Washburn to play Vicar St.
Fifteen-time Grammy winner Béla Fleck will bring his latest project, a banjo duo with his singer-songwriter wife Abigail Washburn, to Dublin's Vicar Street in November. Fleck and Washburn have previously made up half of the Sparrow Quartet, with Casey ...
and more »
Carolina Performing Arts sets new season
Durham Herald Sun
A residency with violinist Gil Shaham and a collaboration between dancer Lil Buck and singer-songwriter Abigail Washburn are among the highlights of Carolina Performing Arts' 2015-16 season. The performing arts series at UNC will present 42 ...
Huffington Post
'The Final Countdown' Gets The Banjo Treatment It Deserves, Via Bela Fleck ...
Huffington Post
How does one improve upon classic '80s hair metal? By replacing every instrument with a banjo, of course! Banjo legends (and married couple) Béla Fleck and Abigail Washburn concocted this surprisingly charming cover of "The Final Countdown," a video of ...
and more »
A banjo duo playing 'The Final Countdown'? Believe it (Video)
Husband-and-wife banjoists Bela Fleck and Abigail Washburn recently recorded a version for The A.V. Club that brings new dimension to the apocalyptic space-travel classic. You wouldn't think the main riff would work without the grand, icy pomp of the ...
and more »
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Bea Arthur (as Maude Findlay) with Carroll O'Connor (as Archie Bunker) on the hit show, 'All in the Family' in 1971. (Photo: Getty Images)
Bea Arthur at the Emmy Awards on September 1987 in Los Angeles, California. (Photo: Getty Images)
Bea Arthur at TV Land Awards: 'A Celebration of Classic TV' in Hollywood in 2003. (Photo: WireImage)
Bea Arthur and Betty White at an in-store promotion for the release of 'The Golden Girls' complete third season DVD at Barnes & Noble in New York in 2005. (Photo: Splash News)
Bea Arthur, Rue McClanahan and Betty White at the TV Land Awards in Santa Monica in 2008. (Photo: Splash News)
Bea Arthur poses for a portrait at her California ranch in 1972. (Photo: Getty Images)
Portrait of Bea Arthur in 2001. (Photo: Zuma Press)
Bea Arthur as Dorothy on 'The Golden Girls' 1985. (Photo: Globe)
Bea Arthur through the Years.


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Defending European Cup champions Munster blew the Ospreys away at Thomond Park, winning 43-9 to book a place in the semi-final.
Munster now face countrymen Leinster, who beat Harlequins 6-5 at the Stoop on Sunday.
Munster were superior in all facets of play and secured victory through tries by Paul Warwick, Paul O'Connell and a brace from centre Keith Earls. Warwick contributed two drop-goals, while flyhalf Ronan O'Gara banked 17 points through four conversions and three penalties.
The scoreline of the Leinster-Harlequins clash didn't fully reflect a superb contest marked by punishing defence.
The Quins spent much of the second half camped in Leinster's territory, but the Irishman remained patient on defence and ultimately hung on for a memorable victory secured through the boot of Felipo Contepomi, whose two penalties trumped a try by Quins fullback Mike Brown.


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breaking bad
38 breaking bad Articles
Walter White Returns In 'Breaking Bad'-Inspired Esurance Super Bowl Ad4 months ago 0
Bryan Cranston is back in 'Breaking Bad' mode in this hilarious new Esurance Super Bowl ad. Watch it right here! We don't know what scares us more… Read Article ▶
Courtesy of NBC
'Better Call Saul': Will Saul Goodman Go From Mr. Rogers To Scarface?4 months ago 0
Who you gonna call? Saul Goodman! The wait is just about over for AMC's highly anticipated series 'Better Call Saul' and, ahead of the Feb. 8… Read Article ▶
'Better Call Saul' Extended Trailer: 'It's Showtime' For Saul – Watch5 months ago 0
It's finally here! Well, almost. AMC has just released a lengthy trailer for its hotly anticipated 'Better Call Saul,' the follow up to its smash… Read Article ▶
Courtesy of AMC
'Better Call Saul': Music Video For 'Breaking Bad' Reveals Spoilers8 months ago 0
'Better Call Saul' doesn't premiere until February 2015, but a music video for the 'Breaking Bad' spinoff has arrived and it reveals some pretty… Read Article ▶
Courtesy of AMC
'Breaking Bad' Wins Outstanding Drama Series At 2014 Emmys9 months ago 2
'Breaking Bad' won the award for Outstanding Drama Series at the 2014 Emmy Awards on Aug. 25. The fan-favorite drama beat out newcomer 'True… Read Article ▶
Courtesy of NBC
Bryan Cranston & Aaron Paul Reunite In Hilarious Emmys Promo — Watch9 months ago 0
The Primetime Emmys are on August 25, and in a hilarious new promo, Bryan Cranston and Aaron Paul reunite along with Julia Louis-Dreyfus. And yes… Read Article ▶
Courtesy of YouTube
'Better Call Saul': Watch First Teaser For 'Breaking Bad' Spinoff10 months ago 0
'Better Call Saul' doesn't premiere until February 2015, but the first glimpse of the 'Breaking Bad' spinoff has arrived. Click to WATCH! We know… Read Article ▶
Courtesy of AMC
'Better Call Saul' Will Take Place Before, During & After 'Breaking Bad'11 months ago 0
The 'Breaking Bad' spin-off 'Better Call Saul' was originally supposed to be a prequel, but producers have just announced that the show will span… Read Article ▶
Courtesy of AMC
Rian Johnson: 'Breaking Bad' Director To Direct 'Star Wars: Episode VIII'11 months ago 1
Director Rian Johnson, who directed three amazing episodes of 'Breaking Bad,' will head up Episode VIII of the upcoming 'Star Wars' series, he… Read Article ▶
Kevin Winter/Entertainment/Getty Images
'Teen Wolf' & 'Vampire Diares' Face Off For mtvU Fandom Awards11 months ago 7
mtvU, which is MTV channel's college network, announced the official nominees on June 19 for the first-ever 'mtvU Fandom Awards!' So many of our… Read Article ▶
Courtesy of CW
'Better Call Saul' — First Photo From The 'Breaking Bad' Spinoff Released11 months ago 2
Calling all 'Breaking Bad' fans! The hit show's much-buzzed about prequel series 'Better Call Saul' has just released the first photo EVER from the… Read Article ▶
Courtesy of AMC
Bryan Cranston's Walter White Will Return For 'Breaking Bad' Spinoff12 months ago 3
Don't count Walter White out just yet! 'Breaking Bad' fans are desperately hoping for clues about the hit show's spinoff series -- and who will be… Read Article ▶
More breaking bad


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ON & Off the MattBy wayne Baughman
The question is about the theme, I want to know how the book's title is developed in his work. I know the literal meaning incorporating the rules on the matt and when you get off. I even know the symbolic meaning about wrestlers lives. When there on the matt and off it. like there everyday lives. but is there an even deeper meaing or did I cover all the bases.


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The privacy of our visitors to Dividend Growth Investor is important to us.
At Dividend Growth Investor, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use visit Dividend Growth Investor, and how we safeguard your information. We never sell your personal information to third parties.
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Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).
We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, click here.
Beginning April 8, 2009, Google advertising, as a third party vendor, will introduce Interest-based advertising that allows advertisers to show ads based on a user's previous interactions with them. To develop interest categories, Google will use the DoubleClick DART cookie. Google's use of the DART cookie enables it to serve ads to your users based on their visit to your sites and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.
You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.
Thursday, January 31, 2008
Privacy Policy for Dividend Growth Investor
The privacy of our visitors to Dividend Growth Investor is important to us.
Posted by D at 9:06 AM 0 comments Links to this post
Labels: Privacy Policy
Tuesday, January 29, 2008
Carnival of Money Stories
The 44th carnival fo Money Stories was hosted at http://beingfrugal.net/2008/01/29/carnival-of-money-stories-44-the-circus-edition/. My story about how I outperformed S&P 500 could be found there as well as many more interesting stories from my fellow PF bloggers.
Posted by D at 6:24 AM 0 comments Links to this post
An alternative strategy to covered calls
Instead of selling covered calls, I actually am considering selling put options on stocks for some extra income, which could work in some situations. First, when you are selling a naked put you are obligated to buy the stock from the put buyer, who has the right, but not the obligation to sell it to you at a predetermined strike price. If you invest a certain amount of funds each month into stocks for example, you are basically always buying at the market price. If you always invest 120-125 dollars per month in DIA you are trying to buy one share per month at a time, rather than all 12 at once, by using the power of dollar cost averaging. In this situation, if you sell a naked put on DIA at an in the money strike of say 122, you would be paid $3.10 for the obligation to buy DIA at $122. If DIA does fall below 122 at expiration, you most probably would have to buy it at the strike price. With this strategy you bring your cost basis significantly below the current market price of 122.19 to an actual $118.90 if your option is exercised. Since stocks have historically always been in a bull market over the past 200 years, it makes sense to me to buy stocks that have shown some weakness, get dividend payments and live the good life.
The shortfall in this strategy is that you are only buying stocks which are showing weakness. In a strong market you will miss on potential gains, because you are only buying a stock that has fallen below your strike price and thus there's no guarantee that that you will receive the lower cost basis. In weak markets you will be able to buy your stock at a lower price, but you will see your stock dive further down. Thus you might have been better off postponing your buy.
Relevant Articles:
- Dividend Aristocrats List for 2009
- Dividend Aristocrats
- Best Dividends Stocks for the Long Run
- Best High Yield Dividend Stocks for 2009
- Best CD Rates
- Covered Call Options Strategy for cutting losses
Posted by D at 6:17 AM 1 comments Links to this post
Monday, January 28, 2008
Covered Calls for additional income
A friend of mine suggested to me to sell covered calls on the dividend stocks that I own, in order to increase my income. Basically that means that I will sell an out of the money call option on a stock I already own at a given strike above the current price and collect the premium. This does sound appealing, because theoretically I could get two passive income streams from one stock. There are some risks with this strategy though, that make it less appealing to me:
First, when you sell an out of the money covered call option, you are basically betting that your stock would not increase above the strike price at which you've written the options. Thus if I owned Pepsi at $69, share and I sell a February covered call at the $75 strike; I would be betting that the price of Pepsi would not increase over $75 over the period. And I always expect that my stocks would go through the roof in any period, otherwise I wouldn't have bought them in the first place.
Second, if the price rises to 80, I would not be able to participate in the upside gains above 75, because I am obligated to sell it to the call buyer to whom I wrote the call option to. The only scenario in which I will keep the stock and the premium is when the stock price does not increase above $75. This strategy seems inferior because it assumes that investors could time the market by betting whether or not the stock would be above/below the strike price at expiration. Studies have shown that investors are pretty bad at timing the markets, because the majority always seems to be selling at the bottoms and buying at the top. It also seems inferior because you are limiting your upside, and leaving your downside wide open. You are selling your rising stocks and keeping your losers, while earning some income in the process, which in reality is eroding your capital gains. The psychological weak points of this strategy is that most investors always believe that their stocks would be rising over time, so betting against your own portfolio in terms of covered call selling seems counterintuitive.
If I were simply interested in income, I would put all of my money in a bond yielding me 5% annually and simply compound the interest. I am in this game not only for the income potential but also for the capital gains. Thus I am not a believer in the covered call strategy. If I thought that my stock would not increase a lot, then I would sell it and buy a stock that I believe would increase a lot. Tomorrow I would write about another options strategy for generating income.
Relevant Articles:
- Dividend Aristocrats List for 2009
- Dividend Aristocrats
- Best Dividends Stocks for the Long Run
- Best High Yield Dividend Stocks for 2009
- Best CD Rates
- Covered Call Options Strategy for cutting losses
Posted by D at 7:17 AM 3 comments Links to this post
Saturday, January 26, 2008
What's a passive income from dividends?
From these examples it is visible that passive income is a direct result of some economic activity or work, which created some good/service which society is still willing to reward the holder of the idea long into the future. If you buy stock in a corporation, you increase the liquidity of its shares, making it easier for the company to sell stock in the future to its shareholders. This liquidity also provides an incentive to shareholders to keep their wealth invested in stocks, because they would always be able to transform their paper wealth into dollars and consumption. Investors are further rewarded for holding stocks which reward them with dividend payments paid 4 times per year in the US. Some foreign corporations though, pay their dividends once a year, which provides an uneven stream of income for their shareholders, unlike US ones.
Studies have shown that dividend paying companies tend to outperform the general market over time. Thus I believe that a strategy of investing in stocks that regularly distribute their earnings to shareholders will provide one with a good return over time. Companies that pay dividends show that they care about their owners and have a good corporate policy toward them. Companies that not only pay dividends every year, but also strive at increasing them every year show confidence in the superiority of their business model relative to other industries. An investor, who puts his money to work in such a stock, will be rewarded with an ever increasing stream of income, which would compound at faster rates than simply putting ones money in a bank account.
Thus I believe that building a well-diversified portfolio of companies who have a history of consistently increasing their dividends over time is a good extra source of income for many people. It takes very little time to set up and implement, and can lead to very good returns in the future by reinvesting and compounding your dividends and spreading your buys over time.
I have attached a chart showing the dividend payments over time for Pepsi Co since 1977. If you had invested $1,000 back in those days into Pepsi Stock, your annual dividend income would have risen from $34 during your first year as a shareholder to $1071 in 2007. Furthermore, if you had simply reinvested these dividends every year, your initial $1000 investment would have grown to over $116,000. The main reason for this high number is dividend reinvestment - if you had spent your dividend payments each year instead of reinvesting them into company stock your investment would have been worth only $51,000. In addition, if you had kept on reinvesting your quarterly dividend payments, your annual income would have increased to over $2,000 in 2007. Of course this sort of capital gains might not be replicated in the future but one thing is for sure – if the company keeps expanding and raising its dividend payment year in and year out, I would be its stockholder. It's very nice to have your salary increased every year. That's what dividend aristocrats like Pepsi provide to their shareholders in terms of payments.
Posted by D at 9:42 AM 0 comments Links to this post
Friday, January 25, 2008
Account Opening Bonus for OptionsXpress
Optionsxpress has a $100 bonus for new customers that open an account with them and deposit at least $500 by March 31, 2008. That's what their website says:
To receive $100 bonus, account must be funded with at least $500 cash or
securities transferred from a brokerage firm other than optionsXpress. $100
bonus will be deposited into the new optionsXpress account by April 30,
You need to have your account open for at least 6 months and your account balance should not fall below $500 unless you have trading losses.
Relevant Articles:
- Dividend Aristocrats List for 2009
- Dividend Aristocrats
- Best Dividends Stocks for the Long Run
- Best High Yield Dividend Stocks for 2009
- Best CD Rates
Posted by D at 11:06 AM 0 comments Links to this post
Labels: account bonus
Thursday, January 24, 2008
Some Charts to watch
Sell Short Stop X amount of shares @ 122.25 , stop loss @ 123.93and and trail your stop loss downward for every penny that the ETF moves in your direction.
Posted by D at 5:54 PM 0 comments Links to this post
Labels: trade
My Current Watchlist
The two lists that I am concentrating right now is the S&P 500 Dividend Aristocrats and the S&P High Yield Dividend Aristocrats Index. I created custom lists in Yahoo! Finance in order to summarize the two groups of dividend achievers by a variety of criteria such as Symbol, Yield, P/E , Div/Shr, Last Price,EPS (ttm) ,PEG Ratio ,Dividend Payout, 5 and 10 year dividend growth rates. What I did was first exclude any stocks which had a dividend payout ratio of more than 50%. That gives me some reasonable assurance that the company is less likely to cut its dividends. I also look at P/E ratios, since I do not want to overpay for a company. Anything with a P/E of over 20 is out of my watchlist. I also look for the PEG ratio but just to find stocks which might be expensive in terms of their growth prospects. A third thing that I look for is a dividend yield of at least 2%, which is a little bit over than the current yield of 1.89% that SPY is rewarding its shareholders. The last but not least criteria that I screen for is the 5 and 10 year dividend growth ratios. I am looking for an average annual dividend growth of at least 5% over the past 5 and 10 years. The reason why I selected dividend yield in the end is because I want to decrease to a minimum the rush to buy a stock that simply increased its dividend for whatever reason, whose fundamentals cannot support any significant further increases in the dividend payments.Based off of this screen, my two stock lists to follow are those (as of close of business yesterday):
I would continue screening for potential stocks to add to my buy watchlist on a weekly basis. I might add or remove stocks from my watchlists depending on how undervalued/overvalued I perceive them to be. If I stock in which I have a position drops off my buy watchlist, I would keep holding it, but I won't be adding to that position until the technicals and the fundamentals match my criteria.
Relevant Articles:
- Dividend Aristocrats List for 2009
- Dividend Aristocrats
- Best Dividends Stocks for the Long Run
- Best High Yield Dividend Stocks for 2009
- Best CD Rates
Posted by D at 5:28 PM 0 comments Links to this post
Labels: strategy
Investment Guide
Posted by D at 2:59 PM 0 comments Links to this post
Wednesday, January 23, 2008
My Goals
My personal goal is to achieve a significant amount of dividend income to cover my expenses. I would achieve that by investing an equal portion of my regular paycheck every month and reinvesting the dividend income. I would try to focus on high-yielding stocks, which increase their dividend payments over time. I try to cut my trading costs by switching to Zecco, which doesn't charge you a commission once your account balance is over $2,500 and you don't make more than 10 trades per month. Achieving a sufficient amount in dividend income is feasible depending on the amount of money you have invested as well as the yield on invested capital that you can achieve. For example, if the amount I need is $8,000/year in 6 years, it would be dependent on time I have to invest and amount I have to invest. Assuming that I have about $100,000 invested in 6 years, I would have to own assets yielding/earning 8% annually. If I have $200,000 invested at the time I would only need a 4% annual yield. I believe that this is a very conservative goal since I will have two powerful allies that would help me reach this goal - dollar cost averaging and dividend compounding. I won't put the money into a 401K or a ROTH IRA, because I plan on using them in a few years. If I put all the money for my dividend growth strategy in a retirement account, i won't be able to use the passive income when I want or need it.
Currently I am also contributing at a 401k plan though, which matches 100% of the first 5% of my income that I contribute. I am moderately diversified – 95% stocks and 5% bonds. 75% of my portfolio is invested in SP500, 10% in MSCI EAFE, 10% in Russell 2000. 2.5% of my 401K is invested in high-yielding bonds and the other 2.5% is invested in corporate bonds. I would continue contributing to my retirement accounts as well, which would grow tax free for 30 years or more.
I also have the option of contributing up to 25 % of my income into my employer stock participation plan, which allows me to buy company stock at a 10% discount and there's no minimum holding period. I could simply elect to contribute 25% of my paycheck to the plan each quarter, buy the stock at quarter end and achieve an 11% quarterly return on investment!
As of now I have over 80% of my assets invested in certificates of deposit earning me around 5% per year. As they start maturing I would start investing these funds into dividend stocks that fit my buy criteria. I currently earn around $1,000 annually from interest income from these CD's. The thing that turns me off from CD's is the taxation of CD income as ordinary income versus the 15% tax rate on dividends. In addition, my stock investments would provide me with an income stream that is growing without having to reinvest any of my payments (in case I have to live off of them). I plan on retiring in a few years and moving to a beautiful country in East Europe, which recently joined the European Union. A dollar in Eastern Europe buys much more stuff and a dollar in US. The average salary is about $500/month there, but rents in big cities might go as high as my rent in the Midwest area.
Relevant Articles:
- Dividend Aristocrats List for 2009
- Dividend Aristocrats
- Best Dividends Stocks for the Long Run
- Best High Yield Dividend Stocks for 2009
- Best CD Rates
Posted by D at 6:21 AM 1 comments Links to this post
Labels: Goals
Tuesday, January 22, 2008
The Fed Cut Rates by 0.75% this morning!
The Federal Reserve Cut its rates by 0.75% today. I think that we have a pretty good opportunity to go long the market today, if the S&P 500 exceeds its 30 minuite high, with a stop loss at the 30 min low. However you should do this only for a trade and if entered into the trade, please trail your stop to cut your losses and/or protect some of any profits. Exit at the close if you are not stopped out. I expect further turbulence in the markets. Unfortunately fixed income is not going to yield as much so certificates of deposit would yield much less. I normally buy my CD's from Bank Midwest, which offers a competitive yield on their 9 month certificates.
Posted by D at 6:53 AM 0 comments Links to this post
Labels: trade
Monday, January 21, 2008
$50 Sharebuilder Account Opening Bonus
Sharebuilder has a $50 account opening bonus, if you open an account with them and do one purchase of a security. The disclaimer says that they will deposit the bonus amount in 4 weeks after you make your first purchase. You have to be a new account holder to qualify though. The offer does not apply to IRA or Educational Savings Accounts.
You can find the link here. Promotional code is SHARE50
Full Disclosure: I won't earn anything form that offer.
Posted by D at 6:23 PM 0 comments Links to this post
Labels: account bonus
How I outperformed the market and how you can outperform S&P 500 in 2008
After I graduated from college in May 2007, I started interviewing and finally got a real job in July. I never had any credit card debt or any student loans since I worked 20-30 hours/week during school, 70-80 hours/week during breaks, kept good GPA's, campus involvement, won some scholarships (I didn't have a full ride though) but most importantly lived frugally.
My current employer pays me well, and I have all sorts of benefits. The problem for me was that I didn't spend all the money that I earn, since I learned in college to live frugally. I wanted to buy index ETF's like SPY, VEU, CWI or EEM. However, that involved risk, and after 4 years of rising stock prices, financial markets looked toppy. In addition the news always talked about how the housing market is crashing. Thus I started putting all my money in 9 Month Certificates of Deposit, yielding 5 – 5.3% annually. I also put 5 % of my income in 401k, since my employer provides me with a 100% match on that amount. I bought my first CD on July 27, and I bought my last CD on January 14. In the meantime the S&P 500 has started falling a lot. It's currently trading at 15 month lows. It's also down 9.7% since the start of the year. So once my CD's start maturing in April and beyond, and the market being pushed down by news about recession, housing bubble etc, I would be in a good position to buy good dividend paying stocks which have a history if consistently increasing their payments. I would write more on my watch list later on.
The funniest thing is that if were a fund manager/ stock investor who didn't invest his/her money until now ( instead of doing his/her purchases at year-end 2007) you have a risk-free way of OUTPERFORMING S&P 500 in 2008 by a whopping 10% just by putting your whole portfolio in SPY and forgetting about it. In addition to that, you would still be able to outperform the market on average by 1 % point over the next 10 years!
Unfortunately though, waiting for the market to fall below its year-end close at the beginning of a new year is not a good long-term strategy. If you participated in this sort of market timing, you would have missed some big moves in the market like the one in 1995. Fixed Income securities like CD's, bonds and money market also have lower long-term returns, compared to stocks. Even if you buy SPY at current prices, you would outperform the market in 2008, but there's no guarantee that you will make money. The market could still go lower. So what should an investor do? Maybe you could start building positions in companies which would not suffer significant blows in their financial position from a recession. Furthermore the management of these companies should reward its shareholders by consistently distributing increased dividend payments year after year, supported by increase in earnings. If you get a good yield on your stocks and you are confident that the payment will increase over time, then you should put money consistently into those names. Through the power of dollar-cost averaging and compounding, you will come out ahead of the game in the end with a pretty decent passive dividend income.
Relevant Articles:
- Dividend Aristocrats List for 2009
- Dividend Aristocrats
- Best Dividends Stocks for the Long Run
- Best High Yield Dividend Stocks for 2009
- Best CD Rates
Posted by D at 2:39 PM 0 comments Links to this post
Sunday, January 20, 2008
A comparison of investing in high-yield, low dividend growth stock versus investing in a low-yield, high dividend growth stock without capital gains
I was asked before about the reasoning behind my statement that I would buy a stock whose dividend is increasing even by one percentage point per year, if it has a high yield, rather than invest in stocks which increase their dividend payment by at least 10% per year. To answer this question, lets me walk you through my calculations:
Let's say that you have 2 stocks- A and B in each of which we invest $100,000. We assume that both stocks will always trade at $10 for simplicity sake. Stock A is yielding 5% per year (50 cents per share), while Stock B is yielding 2% (20 cents per share). The dividend growth in Stock A is a meager 1%, while Stock B's dividend is growing at 5% annually. We will look at two outputs – total return and changes in annual income. It would take stock B 24 years to reach the same annual income level as stock A. In addition, it would take stock B around 40 years to achieve the same total dollar return as stock A. If however we had a growth stock C, which was yielding .5 % at the start of the experiment, and whose dividend was growing at 10% annually, it would take the annual income around 27 years to reach Stock A's dividend income. It would also take around 42 years for the total dollar return of Stock C to reach the total dollar return of Stock A. I have also included a $100,000 investment in bonds, which yield 6% every year.
The return from the invested capital though, would have been increasing substantially over time assuming that we didn't reinvest our dividends back into our stocks. After 10 years the yield on cost for Stock A is 5.5%, Stock B is 3.3% and Stock C is 1.3%. After 10 more years stocks A, B and C are yielding 6.1%, 5.3% and 3.4%. An investor, who simply purchased bonds, would have been making the same 6% over and over. I am attaching my spreadsheet below. This file is for informational purposes only; I just tried to make my point that you have to not only buy a stock which has a high dividend growth rate, but also a one which has a pretty decent yield. A major limitation of this analysis was that I assumed that stocks would not realize any capital gains over the period; that's why the long-term results of Stocks A, B and C are almost identical to long-term results for Bonds. However it shows you that if you reinvest dividends, stocks achieve a higher compounding power than bonds.
You can see the file here or here.
Posted by D at 6:25 PM 0 comments Links to this post
Labels: dividend growth
My Strategy
My strategy involves buying companies which have a history of consistently increasing their dividend payments going back over as many years as possible . Depending on the period that you are focusing one there's not a lot of companies that might fit your criteria. S&P has several lists which are worth focusing on - companies which have consistently increased their dividend over the past 10 years, S&P Dividend Aristocrats and S&P high-yield Dividend Aristocrats. The positive thing about the last two lists is that they show you stocks that have raised their dividends consistently over the past 25 years! Remember i do not just focus on high-yielding stocks. A stock which shows you a 10% dividend yield when the average yield out there is 2% is most likely a stock, for which the market is telling you that there is a very high chance that the dividend payment would be cut and your yield would decrease. I would rather buy a stock that pays me around 2-3% currently, at a time when fixed income can provide me with a 4.5% - 5.00% yield, BUT which would increase its dividend payments in the future.
Posted by D at 10:48 AM 0 comments Links to this post
Labels: strategy
Are Dividend ETF's for you?
There is a variety of ETF's out there that focus on many different dividend strategies including but not limited to domestic and international dividend achievers, high-growth dividend achievers, aristocrats and even dividend weighted baskets of stocks. While there seems to be an advantage for the small investor with several thousand dollars to invest in buying a predetermined basket of dividend stocks in terms of paying less commissions for buying one ETF, versus paying commissions on buying separately each and every stock in the index, there are disadvantages as well.
First of all some of these ETF's follow indexes which are updated only once an year. Thus, they might still be holding stocks which have failed to increase their dividend in the past year due to timing.
Second, you might not want to buy certain sectors which you perceive as having further downside possibility. A weak sectors which comes to mind right now is financials, which seems to have a higher than average sector-weight in the plethora of dividend ETF's like the DVY for example.
Third, these ETF's are weighted according to different formulas, which might add to or detract from performance. I myself am a firm believer in equal weighted investing, which outperforms the market by a little over large periods of time.
And fourth the dividends from these ETF's seem to be following an erratic pattern, rather than the stable and consistent growth that their individuals stock components should have been experiencing.
Relevant Articles:
- Dividend Aristocrats List for 2009
- Dividend Aristocrats
- Best Dividends Stocks for the Long Run
- Best High Yield Dividend Stocks for 2009
- Best CD Rates
Posted by D at 10:11 AM 4 comments Links to this post
Saturday, January 19, 2008
Why dividends matter?
Jonathan from MyMoneyBlog had a pretty good article about why Dow Jones Industrials is not an accurate index to follow. He sites this research paper named The Dow Jones Industrial Average: The Impact of Fixing Its Flaws. Basically this paper shows that if dividends were included in the Dow Jones Industrials, its value would be around 250,000 points in 2000, versus the 9,000 it was trading in 1999!
It is commonly known that it took the market 25 years to recover from its 1929 peak and the Great Depression. However the inclusion of dividends in the index mitigates the effects of the Great Depression. A new all-time high is reached in January 1945 instead of November 1954 if dividends are included.
To summarize, dividends should be considered an important part of ones portfolio. Financial advisers normally tell you that when you retire, you would be taking a 4% withdrawal rate from your nest egg each year. However, if you can achieve at least a 4% yield, that grows each year to at least cover the rise in inflation you would be able to weather any short-term and long-term weakness in the stock market. I would not recommend having a huge portion of your long-term portfolio in bonds, which are normally sold to retirees as a "safe and reliable source of income". You do get a fixed payment every period or so, but the purchasing power of this payment declines over time. Thus a very good strategy over the long run is to create a diversified portfolio of stocks, that have shows consistency in raising their dividends year after year and which spot an attractive dividend yield.
Relevant Articles:
- Dividend Aristocrats List for 2009
- Dividend Aristocrats
- Best Dividends Stocks for the Long Run
- Best High Yield Dividend Stocks for 2009
- Best CD Rates
Posted by D at 8:59 PM 0 comments Links to this post
Why dividends?
I believe that creating a passive income stream through dividends is an achievable, intriguing and stimulating way to decrease my dependency on the salary income, which is over 95% of my income at the moment. The remaining 5% comes from interest income from CD's and my interest checking account at Schwab, credit card rewards and signing up for offers online. After doing some research, i have found that putting your money in bonds, cds and money market funds will only be enough to meet inflation and over long periods of time exceed it by a couple percentage points on average.
Stocks on the other hand offer you the best possible investment opportunity out there. Over 30-35% of stocks performance over the past 50 years has been attributed to dividends; the rest comes from capital gains. If you take a look at the S&P 500 from 1957- 2005, the dividends have grown on average of 5.3% per year for the index. A $1000 investment in the S&P500 in early 1957 would have provided you with an annual dividend income of about $40. In 2005 your dividend income would have grown to $610, assuming that you spent all your income. Furthermore your investment would have been worth over $32,000 by the end of 2007. With inflation assumed to be averaging around 3 - 4% per year, your investment in dividend paying stocks would provide you with an income that keeps its purchasing power year over year, which unlike fixed income securities, can also provide you with capital gains.
My strategy involves saving around half of my paycheck and investing it in the dividend achievers and high yield dividend achievers that show consistent increases in dividends over time and the ability to cover those dividends in the future. I will have my screening method and my goals for passive income on my next posts. I would also try to describe my current net worth, and how it is invested. I hope that this blog will serve as an inspiration for people and that it would change their financial lives for the better.
Relevant Articles:
- Dividend Aristocrats List for 2009
- Dividend Aristocrats
- Best Dividends Stocks for the Long Run
- Best High Yield Dividend Stocks for 2009
- Best CD Rates
Posted by D at 1:32 PM 7 comments Links to this post
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Posted June 4, 2012
I'm kind of glad that this was a short story. I read it was a dystopian and I loved these types of stories. I was enjoying the story very much, the characters were believable the situation was sad the mother should have been sterilized. But the synopsis left one very important detail off…. Sunni is 10 years old and is about to be part of a real world sexual abuse situation. When it comes to innocent children I can't seem to enjoy reading about how they suffer. Although the story does not go into detail it is one of those that one must read between the line, and it adds up to the abuse. It broke my heart to see Sunni suffered from the one person whom is supposed to love and protect her unconditionally. When she meets her pinky sister I was happy and thought "great she will have someone that is going to protect her" but of course it could not last, what happened to her sister was terrible…never did figure out who it was, although I have narrowed it down to two very terrible people. When Sunni finds herself alone again…alone with her crack head mother…Sunni catches the attention of the wrong person. The landlord is a very sick individual that also need to be clipped.
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Virgin Island Water
Original Santal
Hey guys, I'm a sophomore and I'm looking for a good fragrance for high school. I have 8 other fragrances, so this doesn't have to be perfectly versatile, but I want it to be rather versatile. The main ones that I'm looking at are Aventus, GIT, and Silver Mountain Water. However, I'll look at others without bias. If there are any others (not neccessarily Creed) that you think fit the bill, please tell me. I want something that lasts and projects (needs to last at least 6 hours and I want something that projects more than a skin scent). And I want something that most high school girls will like. Thanks!
Virgin Island Water
Original Santal
Himalaya. Personally it is one of the few poor performers in the Creed family for me - but some people seem to get good longevity from it - and I think it is an excellent scent and pretty versatile.
Moving thread to Just Starting Out.
Judging from the responses I take it that means none of these are good for school?
Creed isn't the only fragrance brand out there! Maybe do some testing & see what you like.
If you look around in this forum, the brand is quite divisive. Some love it, some find it overpriced. I'm one of those who finds it overpriced, and would rather suggest that a high school student spends his money elsewhere.
That said, I'd say GIT, which is somewhat fresh but not too much, is probably the most versatile. Girls' tastes vary, so there's no way to know what will impress them. If the main objective is to impress girls, however, perhaps you can look for something cheaper. Regularly priced perfumes that seem not to turn off too many people include things like Terre d'Hermes (which is very popular in Europe), Le Male, and Dior Homme. If you really want to spend more (but not as much as Creed), you could look at things like Tom Ford Sahara Noir, which, as a frankincense, smells sophisticated and lasts a long time (and most people more or less like incense).
Green Irish Tweed
Remember that while it is perfectly acceptable to criticize the content of a post - criticizing the poster is not.
Mean spirited, nasty, snide, sarcastic, hateful, and rude individuals on Basenotes don't warrant or deserve other individuals' acknowledgement or respect.
GIT! or Silver Mountain Water
Top 5
1. Givenchy Play Intense by Givenchy
2. Invasion Barbare by MDCI
3. Green Irish Tweed by Creed
4. Rive Gauche Pour Homme by YSL
5. Gendarme
6. Jazz Prestige by YSL
The reason I'm leaning away from GIT is bc I hate Cool Water. I know that GIT is leagues ahead in terms of quality, but I'm still a little scared.
I'd go with Aventus and/or MI from Creed.
And I got rid of Polo Blue and Dg Light Blue
+1 for Millesime Imperial.
Fresh Creed scents
Virgin Island Water
I am sure more will chime in
Oh, fwiw I live in Buffalo, NY where things can get chillier, so despite being fresh, it has to be able to cut through a bit of cold.
If you are set on getting a creed then get original santal. Great fragrance that many people enjoy.
It's not a Creed (and it's kind of in the space between designer and niche) but if you're looking for something fresh that will hold up in the colder months, I'd suggest Terre d'Hermes.
Original Santal is perfect for what you want. It's good for all seasons, fresh, and high school girls will love it. It's one of the better Creeds available but doesn't seem to get the love that it deserves.
Silver Mountain Water.
Original Santal or Green Irish Tweed.
Green Irish Tweed or Original Santal
Green Irish Tweed is great, gets lots of love, but for high school? Kids will say he smells like a pond behind a pub! I remember in high school I thought YSL was TOO potent for my sensitive baby nose!
Original Santal may be too spicy for most high school kids around you.
Aventus is good, but it's expensive.
I say shoot for Himalaya, Silver Mountain, or one of my fav's, Millesime Imperial. I recommend MI for school.
I only see GIT being appreciated by older audiences!
G I T would be my best pick for this scene...
"Thank GOD for the nose, for without it we would not be enjoying these beautiful created Scents" also Remember "Balance is everything and the key to appreciating "
For example Royal Oud, Millesime 1849, Original Santal, Original Vetiver might work better for colder climates vs Millesime Imperial, Aventus, Jardin d'Amalfi or Silver Mountain Water could project better in 55degrees and warmer...
Just some slight suggestions....
Last edited by FreshSmell; 6th January 2014 at 05:20 PM.
Jardin D'amalfi
Basically, any Creed fragrance you like wearing. But my likeliest and perhaps most appropriate recommendations may include: GIT, OV, Aventus, Erolfa, Royal Water, MI.
After some research I pulled the trigger on Aventus two days ago. I'll update when it arrives.
Hope you like it


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Lt. Commander
Join Date: Dec 2007
Posts: 120
# 1
WarriorPoets Is a multi gaming guild. We have branches in a few other MMO's atm. We have been following STO for the past year now and are really excited to see how it delivers. Both Beta events have been a great opportunity for WP members to learn there lvling strategies, become familiar with PvP within the system and discover the basics of the crafting system.
WP originated back in L2 Beta days (Devianne Server), Since then we have been in a number of different MMO's. Namely Wow, ***, LOTRO, Warhammer, Archlord and Atlantica.
Guild Name: WarriorPoets
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Argentina says US-based BNY Mellon not welcome
Argentina has revoked the BNY Mellon's permission to operate because of what Cabinet Chief Jorge Capitanich said was the U.S.-based bank's failure to comply with its duties as trustee of some of the country's bonds.
BNY Mellon has no retail operations in Argentina, so the government's announcement appeared to be part of a plan to remove it as a trustee and work around the U.S. court ruling that triggered a default on July 30.
The bank declined to comment on the announcement.
A U.S. court order prevented Bank of New York Mellon from distributing $539 million in interest payments on Argentina's behalf on July 30, triggering the country's second default in 13 years.
The court order stemmed from a long-running battle between Argentina a group of U.S. investors who have been trying to recover the full value of bonds the country defaulted on in 2001, about $1.5 billion. The government has said it cannot pay those investors without compensating the majority of creditors who accepted lower-valued bonds.
The government sent a bill to Congress last week that would work around the court order by removing BNY Mellon as trustee and replacing it with state-owned Banco de la Nacion, which would not be under the jurisdiction of the U.S. courts.
U.S. District Judge Thomas Griesa, who issued the order requiring Argentina to pay the holdout creditors, has said the government's plan to evade his order would be illegal.
MicroGreen's sudden closure leaves 163 jobless and shocked Volvo's safety technology protects you from yourself and others Kraft Mac & Cheese shedding the dyes Labor group seeks rehiring of workers at 5 Wal-Mart sites Small victory for fliers as airfares drop $2 this summer Survey: US businesses expect sales rebound, more hiring
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