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You can now invite anyone to meet at your favorite Starbucks.
Limited-time feature
33 year old man | Seattle, WA, USA | Seeking women 25-35 within 10 miles
My outlook on life is similar to my perception...
My outlook on life is similar to my perception of Mondays. I rather keep my outlook positive regardless of the odds. If a day is difficult it simply lowers the threshold for days thereafter. Subsequently making a next day exponentially better than it might've been if I had a good Monday. I can typically find some random, witty, sarcastic humor to lighten any conversation, and pull a smile out of the theoretical black hat . I love sarcastic humor. Similar to any talent it takes time to perfect, and I enjoy practicing as often as I can. I'm from the Portland Or meaning an appreciation for nature is hardwired into my genes as all of us native PNW'ners. In the summer I feel obligated to soak as much sunshine as possible in preparation to the long wet season. I'm natural problem solver, and do my best to apply it to all aspects of my life. I'm hopeful for online dating, and the search someone in general. Through trial, and error I learned dating is like piecing a jigsaw puzzle together. If it's not the right piece no matter how you twist, rotate, or try to pound it into place if it doesn't fit you got the wrong one.
Book club , Camping , Coffee and conversation , Cooking , Dining out , Fishing/Hunting , Gardening/Landscaping , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Playing sports , Shopping/Antiques , Travel/Sightseeing , Watching sports , Wine tasting
Basketball, Billiards / Pool, Other types of exercise, Running, Skiing, Swimming, Walking / Hiking, Weights / Machines
I exercise 3-4 times per week.
I like Cats, Dogs
Middle of the Road
I have a tradition to Snowboard into the New Year.
I am reading Computer Programming for Dummies! Best read all year! Everything is starting to make sense.
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|5'9" (175cms)
|3'0" (91cms) to 8'11" (271cms)
|Body type:
|Athletic and toned
|Slender, About average, Athletic and toned
|No preference
|Dark brown
|No preference
|No Way
|Yes, but trying to quit
|Social Drinker
|No preference
|Technical / Science / Computers / Engineering
|No preference
|I'll tell you later
|No preference
|Never Married
|No preference
|Have kids:
|No preference
|Wants kids:
|No preference
|White / Caucasian
|No preference
|I'll tell you later
|No preference
|I'll tell you later
|No preference


text:
In the Quick Slants game, "What? Mmm…hmm," Tom E. Curran and Mike Giardi debate a few Patriots-related topics, with Kay Adams moderating.
The first topic: Was drafting Jimmy Garapollo a savvy move by the Patriots?
"They believe in this guy," said Giardi, "Yeah, he's got to make an adjustment to the NFL and the speed, but he's the guy."
Curran disagrees with Giardi.
"When is he going to elevate to the throne of starting quarterback?" questioned Curran, "He's not playing between now and 2017… it makes no sense, it's a wasted draft pick.

subset: commoncrawl


text:
Family Practitioner, Primary Care Doctor
12 years of experience
Accepting new patients
12 years of experience
Accepting new patients
275 7th Ave
New York, NY 10001 Phone number & directions
275 7th Ave
New York, NY 10001 Phone number & directions
License & Identifications
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Heidi Francis:
View the full profile to get information on:
- Qualifications
- What's important to you
View full profile
Patient Reviews
Have you visited Dr. Francis? Share your experience.
Write a Review
Write a Review
Specialties & Research
Dr. Heidi Francis, MD is board certified in Family Medicine.
Education & Awards
Dr. Francis graduated from The University of Texas at Houston. She has 1 awards.
Dr. Francis has 10 hospital affiliations:
- St Vincent's Midtown Hospital
- Beth Israel Medical Center Petrie Division
- French
- Chinese
- Hindi
- Spanish
Home > Find a Family Doctor > NY > New York Family Physicians > Dr. Heidi Francis, MD
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- Additional Information
- Dr. Heidi Michele Francis MD is a female Family Practitioner, has 12 years of experience and practices in Family Medicine.
- Where does Dr. Heidi M. Francis practice?
- Dr. Heidi Francis has 3 office locations.
Dr. Heidi Francis practices Family Medicine near New York, NY.
Additional practice locations include: Hartsdale, NY.
See New York Family Physicians.


text:
Express Employment Professionals is one of the top staffing companies in the U.S. and Canada. Every day, we help people find jobs and provide workforce solutions to businesses. Express provides a full range of employment solutions that include full-time, temporary, and part-time employment in a wide range of positions, including professional, commercial, and administrative.
A Cllient Comapny is in need of a LVN some job duties include but not limited to the following
Client Company in need of a Field Support Assistant; Will be responsible for AP , payroll, invoicing...
Client Company in need of Full-Time Non Registered Surveyor:
-$15/hr (7:30am-4:30pm) Monday-Frida...
Job Description Summary:
• Confirm exams with patients. Record detailed answers to requi...
A local apartment Complex is in need of an HVAC tech (Certified is a plus) Will also be doing electr...
Client Company is in need of an Accounts Payable Clerk.
Position Responsibilities:
A. Inventory...
Busy Client Company looking for dependable Warehouse/Delivery Driver:
-Must have valid ...
Client Company is seeking a Certified Medical Assistant to perform a variety of patient care activit...
2820 South Padre Island Drive
Suite 114
Corpus Christi, Texas 78415
(361) 855-2900
Maps & Directions
© 2015 Express Services, Inc. All rights reserved.
Privacy Policy


text:
|Recent reviews:
|January 8, 2015
|You can spend your Frugal Friday dollars there, what a great place and huge savings.
| ★★★★★ Excellent
|June 20, 2014
|I am really sorry, you should have come back and we would give you your money back or happily exchange for other product, really sorry.
| ★★★★★ Excellent
|June 6, 2014
|Amazing food... prices are fair and staff if friendly.
| ★★★★★ Excellent
|October 25, 2013
|They are not expensive at all, they have best deals in town.
John Goldwell
in response to: I was there last week spent a lot of ...
| ★★★★★ Excellent
|October 24, 2013
|My favourite deli shop.
in response to: I was there last week spent a lot of ...
| ★★★★★ Excellent
Frequently Asked Questions:
This is a list of typical questions we have received on our contact page.
Q. What is this web page?
A. This is the food page of Uniqpol Sausages on 21 Middleton St Brantford.
Q. How does it work?
A. Food Store staff logs in to edit this page or respond to visitors' reviews. Visitors do not have to log in to write reviews. Optionally they can personalize their food pages, however the default visitor profile is anonymous.
Q. You have a visitor counter. Do you track your web page visitors?
A. Your privacy is our number one concern. No personally identifiable information about you is stored at foodpages. Unless you have logged in and set your user name, your reviews will be signed by an anonymous nickname 3681st. This word links your visitor number to the time of your visit. As of today, 3681 visitors have visited this page. You are the 3681st.
Q. How long has uniqpol.foodpages.ca been around?
A. For quite some time. It got its first review on September 2, 2008 and was last updated on January 8, 2015.
Q. Does Uniqpol Sausages pay a fee to be listed here?
A. No. This service is free, and it will always be.
Q. How do you ensure that the information you are displaying on these pages is correct?
A. That depends on visitors who frequent this Food Store and suggest corrections, and to a greater extent on Uniqpol Sausages representatives who have the option of claiming this page and keeping their information up to date.
Q. How do you rank Food Stores?
A. We rank Food Stores by first grouping them together by proximity, then analyzing their ratings, reviews and comments. Recent reviews carry more ranking weight. Uniqpol Sausages is currently ranked number 1 of 1 nearby Food Stores in Echo Place Brantford.
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A. We moderate all reviews that are posted anonymously. Only constructive criticism or various amounts of praise will be posted on this page. If you think we have missed something, let us know.This F.A.Q. (Frequently Asked Questions) summary was last updated on January 8, 2015.
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D & J Sausage Factory
165 Hachborn Rd, Brantford, ON
Sushi Umibe
11955 207 ST., Maple Ridge, BC
Mocha Shrine Centre
468 Colborne St, London, ON
Canton House Buffet Restaurant
380 Main St N SS 3, Exeter, ON
Mike's Fish Market
55 Vansco Rd, Etobicoke, ON
Fortune Health Foods
750 FORTUNE DR, Kamloops, BC


text:
Mercury in the Environment Companies in Kansas
Category: Health & Safety ×
Subcategory: Mercury in the Environment ×
Industry: Manufacturing, Other ×
Location: USA ×
Location: Kansas ×
Sensor and Decontamination, Inc. (SDI)
based in Binghamton, NEW YORK (USA)
Sensor and Decontamination, Inc. (SDI), in New York and presently doing business in Pennsylvania, develops hazardous materials cleanup, decontamination, and detection systems. A research and development and manufacturing firm with interests in hazardous materials cleanup, decontamination, and detection.
Ocean Optics
based in Dunedin, FLORIDA (USA)
Ocean Optics is a diversified photonics technology firm and a global leader in optical sensing. With full-service locations in the United States, Europe and Asia, we serve a wide range of markets, including process control, consumer electronics and medical diagnostics.
Tri-Mer Corporation
based in Owosso, MICHIGAN (USA)
Tri-Mer Corporation is a technology leader in air pollution control. The UltraTemp Filtration System controls particulate PM, HCl, SO2 and NOx. This hot gas filtration (operation is up to 1650°F) system captures particulate to extremely low levels, including submicron and ultrafine PM. Typical PM removal to less than 0.001 grains/dscf (2 mg/Nm3). For acid gas removal, the ...
Aurora Biomed Inc.
based in Vancouver, BRITISH COLUMBIA (CANADA)
Aurora Biomed is a worldwide leader in the design and development of lab automation solutions for life science, environmental science, drug discovery/safety and chemical analysis research. We provide technologies and services which facilitate a higher sample throughput while improving quality, accuracy and precision. Aurora`s product range includes automated ...
Genesis Water Technologies, Inc
based in Maitland, FLORIDA (USA)
Genesis Water Technologies, Inc. is a USA based manufacturer of advanced, innovative and sustainable treatment solutions for applications in process water, drinking water, water reuse and waste water to our valued clients and collaboration partners worldwide.
Ashtead Technology Ltd
based in Letchworth, UNITED KINGDOM
Ashtead Technology was formed in 1985 when Ashtead Group plc acquired SubSpek Limited, which at the time provided underwater positioning, survey and inspection equipment rental from a base in Aberdeen. In 1994 the Singapore base was opened, focussing on the offshore oil and gas industry and the subsea telecommunications cable market in Asia Pacific. The first US ...
Thermo Scientific Niton Analyzers
based in Tewksbury, MASSACHUSETTS (USA)
Handheld Thermo Scientific Niton x-ray fluorescence (XRF) analyzers embody our mission of enabling customers to make the world a healthier, cleaner, and safer place. These high-performance analyzers provide users with information they can use to drive compliance programs that ultimately promote peace of mind for their businesses and their customers.
Particle Technology Labs
based in Downers Grove, ILLINOIS (USA)
Premier service laboratory, dedicated to particle size and characterization. Extensive analytical expertise and state-of-the-art instrumentation, help set PTL apart as the leader in their field. PTL has significant capacity to measure particle size, concentration, and shape, as well as surface area, porosity, zeta potential, powder flowability, and thermal gravimetric ...
Tiger-Vac Inc. (USA)
based in Dania, FLORIDA (USA)
With over forty years of experience, Tiger-Vac has successfully established itself in the international market as a manufacturer of high quality Explosion Proof, Industrial Vacuum Cleaner and Cleanroom Vacuum Cleaner Systems. Tiger-Vac has accomplished this by listening to its clients and responding to their needs. Our many diverse clientele include the military, ...
QSX Instruments Inc
based in Joppa, MARYLAND (USA)
QSX Instruments Inc offers the Quickshot XRF Analyzer featuring solutions for gold testing and hazardous substance analysis.Experience, Knowledge and Vision .three factors that were key in developing the low-cost Quickshot XRF analyzer line from QSX Instruments. Using over thirty years of experience in providing service and support of all x-ray fluorescence models, the ...
Need help finding the right suppliers?
Let the XPRTs do the work for you


text:
TV Info
Episode PremiereFebruary 07, 2006
Show Period2003 - now
Production CompanyCBS, Paramount, Belisarius Prod., thinkfilm
Cast and Crew
DirectorDennis Smith
ScreenwriterGeorge Schenck, Frank Cardea
Main Cast
- Mark Harmon as NCIS Special Agent Leroy Jethro Gibbs
- Michael Weatherly as NCIS Special Agent Anthony DiNozzo
- Sean Murray as NCIS Special Agent Timothy McGee
- Cote de Pablo as Mossad Liaison Officer Ziva David
- Pauley Perrette as Abby Sciuto
- David McCallum as Dr. Donald Mallard
- Rocky Carroll
- Brian Dietzen
- Lauren Holly as Jenny Shepard
- Alimi Ballard
- Matthew Willig
Additional Cast
- Rick Sparks
- Caleb Brown
- Thea Rose
- Greta Sesheta
- Jamie Martz
While conducting a raid on an automotive chop shop run by Marines, the team finds a severed head in one of the cars. The head belonged to a Navy captain, who was thought to have been cremated. Their investigation leads them to the discovery of a scheme involving the illegal sale of human body parts, which came from stolen bodies.


text:
Supervising Editor: Scott Joing MD.
You have free access to this content
Facilitative Debriefing Techniques for Simulation-based Learning
Article first published online: 28 JAN 2011
DOI: 10.1111/j.1553-2712.2010.01001.x
© 2011 by the Society for Academic Emergency Medicine
Academic Emergency Medicine
Volume 18, Issue 2, page e5, February 2011
Additional Information
How to Cite
Wang, E. E., Kharasch, M. and Kuruna, D. (2011), Facilitative Debriefing Techniques for Simulation-based Learning. Academic Emergency Medicine, 18: e5. doi: 10.1111/j.1553-2712.2010.01001.x
Publication History
- Issue published online: 11 FEB 2011
- Article first published online: 28 JAN 2011
No abstract is available for this article.


text:
Cruise operator Silversea Cruises has unveiled its new flagship, the Silver Muse, which will begin sailing the seas in April 2017.
Built by Italian shipbuilding company Fincantieri,
ASRY and Babcock have signed a long term support facility agreement to provide ongoing services to the U.K. Royal Navy in Bahrain
ASRY (Arab Shipbuilding & Repair Yard),
Low-friction, self-lubricating coatings use patented technology to deliver reduced fuel consumption and improved tolerance to idle time.
PPG Protective and
A Shipping Seminar on "Dry Bulk Chartering, Operations and Arbitration" held on 27th June 2015 at the Narottam Morarjee Institute of Shipping, Nariman Point, Mumbai was well attended.
The e-Navigation Underway 2015 – North America conference will be hosted by The State University of New York (SUNY) Maritime College from September 28 to 30 on the college's Throggs Neck, N.
The U.S. Merchant Marine Academy at Kings Point (USMMA) today welcomed its incoming Class of 2019, consisting of 255 plebe candidates representing 46 states and the Commonwealth of Puerto Rico.


text:
Black Friday at Big R
Burndown at Sundown
QRock Slammers Street Party 6-5-13
QRock St. Practice Day Pub Crawl 2014!
Q-Rock & Miller High Life at Ultra Foods
Peotone Swap Meet 7-14-13
Q-Rock 100.7 and Zander hanging out at the Demo Derby!
Snow Blows 2015
QROCK at The Taste of Joliet!
St. Practice Day Pub Crawl


text:
Narrow your search
The CST-01 was created thanks to a partnership between E Ink and Central Standard Timing. The device is currently on Kickstarter.
Pricing not available
CNET explains what FLAC is, as well as where to buy music in the FLAC format, and how to play it on your iPhone, computer, or MP3 player.
The Standard Dock for the Motorola Atrix 4G provides a stylish way to display and charge your smartphone. It also offers an alarm clock mode.
These Bluetooth headphones sold out fast last time, and may do so again now that they're even cheaper. Plus: three bonus deals!
Which has the most apps? Which has the coolest features? Which one is the best? The most popular streamers all have their merits, so we'll help you decide which box is right for you.
HDMI, USB, speaker, and other cables come in a wide variety of prices. Is it ever worth it to spend more? Actually, sometimes yes.
Net-connected "smart buttons" from carrier Telefónica let businesses tempt customers with one-touch instant gratification. Early uses are ordering pizza, hailing cabs and requesting a package pickup.
Currently available only as an option on certain cars, the sensor-driven technology should be installed on all automobiles and shouldn't cost the buyer extra, according to the National Transportation Safety Board.
Sega: "It is important for us to ensure that all of our fans, regardless of platform or operating system, have a great playing experience."
CNET editor Dong Ngo picks the best solid-state drives (SSDs) currently on the market.


text:
Maxwell Leadership Bible, Revised and Updated - eBook
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- Message
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Using your Android device, you can download the CBDReader App directly from the Android Market. First, click on the 'Apps' icon from your main screen.
On the app screen, click 'Market' or 'Play Store'.
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Click 'Open' to open the reader.
Log in with your CBD account and all the eBooks you've purchased on the Christianbook.com website will be automatically added to your device.
Have questions about eBooks? Check out our eBook FAQs.
Product Description
The content of the current Maxwell Leadership Bible is revised and updated to incorporate Maxwell's works since the first release of the Maxwell Leadership Bible.
Features include:
- 2 New Laws - Law of Addition and the Law of Picture
- New major articles and new notes throughout the Bible that connect with the new Laws
- New notes that reflect Maxwell's works since the Feb 2002 release of the Maxwell Leadership Bible, including The 360º Leader, Attitude 101, 25 Ways to Win with People, and Leadership 101
- The 21 Irrefutable Laws of Leadership: in-depth articles that reveal these laws as seen in the lives of Bible people.
- The 21 Indispensable Qualities of a Leader: insightful articles showing positive and negative examples of each of this qualities.
- Over 100 biographical profiles: times and events in people's lives that reveal God's truths about leadership.
- Hundreds of compelling short articles and expressive "read-as-you-go" notes on mentoring and influence.
- Thorough topical indexes for quick access to Scripture passages and articles addressing leadership issues.
- New interior page design
- Double-column format
- Book Introductions
- Book Outlines
Product Information
|Format: DRM Protected ePub
Vendor: Thomas Nelson
Publication Date: 2007
Availability: In Stock
Text Color: Black Letter
Related Products
NIV Leadership Bible: Leading by The Book, Italian Duo-ToneZondervan / 2013 / Imitation Leather$44.99 Retail:4.5 Stars Out Of 5 7 Reviews
$64.99Save 31% ($20.00)Availability: In StockCBD Stock No: WW432134
NIV Leadership Bible: Leading by The Book, Hardcover, Jacketed PrintedZondervan / 2013 / Hardcover$19.99 Retail:4.5 Stars Out Of 5 7 Reviews
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$59.99Save 50% ($30.00)Availability: In StockCBD Stock No: WW546779DA
Publisher's Description
The Leadership expert, John Maxwell, brings an in-depth look at God's laws for leaders and leadership.
The content of the current Maxwell Leadership Bible is revised and updated to incorporate Maxwell's works since the first release of the Maxwell Leadership Bible.
Features include:
- 2 New Laws - Law of Addition and the Law of Picture
- New major articles and new notes throughout the Bible that connect with the new Laws
- New notes that reflect Maxwell's works since the Feb 2002 release of the Maxwell Leadership Bible, including The 360º Leader, Attitude 101, 25 Ways to Win with People, and Leadership 101
- Revised indexes to the 21 Laws of Leadership and the 21 Qualities of a Leader
- New interior page design
Author Bio
John C. Maxwell, the #1 New York Times bestselling author, coach, and speaker who has sold 25 million books, is called Americas #1 leadership authority. In 2014, Maxwell received the Mother Teresa Prize for Global Peace and Leadership from the Luminary Leadership Network, and was named the worlds most influential leadership expert by Inc. and Business Insider. His organizationsThe John Maxwell Company, The John Maxwell Team, and EQUIPhave trained more than 5 million leaders in 188 countries. For more information visit JohnMaxwell.com.
Product Reviews
Chris A TRichmond, VAAge: 45-54Gender: male5 Stars Out Of 5An Excellent merger of the Bible and leadershipJanuary 9, 2014Chris A TRichmond, VAAge: 45-54Gender: maleQuality: 5Value: 5Meets Expectations: 5This review was written for NKJV Maxwell Leadership Bible, Briefcase Edition, Coffee.John Maxwell, a noted authority on the subject of leadership, does a masterful job of merging leadership principles with the Holy Bible. Through Maxwell's Leadership Bible, the reader is able to gain a greater understanding of the biblical characters and the leadership they displayed.
Reverend RodneyRugby, NDAge: 45-54Gender: male5 Stars Out Of 5I love this BibleAugust 10, 2013Reverend RodneyRugby, NDAge: 45-54Gender: maleQuality: 5Value: 5Meets Expectations: 5This review was written for NKJV Maxwell Leadership Bible Bonded Black Updated.This is my 4th Maxwell Leadership Bible and I absolutely love it. The other three were completely worn out physically. I tell everyone about it and always recommend this Bible and christianbook.com.
CharlesAge: 35-44Gender: male2 Stars Out Of 5Book is Awesome. CBD "E-Reader" is horrifficJanuary 11, 2013CharlesAge: 35-44Gender: maleQuality: 2Value: 2Meets Expectations: 2The reading material is great for leadership. The CBD "E-reader" is so difficult/slow/limited... the frustration has driven me to revert to my hardcopy for reference or study. I wont purchase any other books from this site that are required to be viewed by the CBD "E-reader"...too Bad!
Keith5 Stars Out Of 5LOVE IT!April 3, 2012KeithQuality: 5Value: 5Meets Expectations: 5This review was written for NKJV The Maxwell Leadership Bible: LeatherSoft/Charcoal Gray (Revised and Updated).Love my Maxwell Leadership Bible! I have already been using it to read from as I do the opening/announcements at our church, and I am about to start from the book of Genesis and begin reading cover to cover to get the most out of it and apply it's leadership principles to my life and my family's life!
DeniseAge: 45-54Gender: female5 Stars Out Of 5Great bible, I would recommend for anyoneMarch 22, 2012DeniseAge: 45-54Gender: femaleThis review was written for NKJV Maxwell Leadership Bible: Second Edition, hardcover.Great bible, I would recommend for anyone that is a leader or becoming a leader.
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text:
FCC chairman Kevin Martin announced Oct. 29 the appointment of Thomas Navin and R. Paul Margie as co-chairs of the FCC's Advisory Committee for the 2011 World Radiocommunication Conference (WRC-11).
The committee will provide advice, technical analyses and specific recommendations on matters relating to the WRC-11. Navin is a partner in the Washington law firm of Wiley Rein. He focuses on legal and regulatory issues faced by communications companies. Margie is a partner with the law firm of Harris, Wiltshire & Grannis, where he focuses on telecommunications and technology law and policy.
An Inside Look at Four Virtual Reality Start-Ups
What Moves the Social TV Needle?
Mark Kudsi Directs 'Art of Patron Virtual Reality Experience'
BT Renews Intelsat Deal
Top Twitter TV Shows for 2014-15 Season Unveiled
comScore Introduces MobiLens Plus
North Korean Propoganda Art Inspires the Credits of 'The Interview'
Imaginary Forces Creates Kaleidoscopic Titles for 'Bosch'
Filmmaker Embraces Short Documentary Format with Oscar-Nominated 'Crisis Hotline'
North Metro Television Goes Wireless with Comrex LiveShot
Spectra Logic and HauteSpot Networks Introduce Body-Worn Camera Video Surveillance Solution
Huge Ultra HD Display Lights Up Times Square


text:
London to Venice - $100 London to Paris - $70 London to Istanbul - $130 London to Prague - $50 London to Tel Aviv - $600 Let's see this change so that a family wedding weekend in London stops costing me two weeks holiday money and friends and family from the UK can afford to pop over for a weekend. Practically every member of Israeli society has friends and family abroad, it is ridiculous that the airflights have been kept so artificially high, effectively creating barriers preventing frequent first person contact between Olim and the families and friends they left behind. Good work fellahs!
If selected for publication, it will appear as soon as possible on Haaretz.com.


text:
The iPad was Apple's fastest growing product for several years, but sales have slowed, and analyst Ben Bajarin offers a few possible reasons why. He focuses on the point that, while they can do many things well, there's little tablets can do that a computer or smartphone can't do as well or better. The iPad debuted in 2010, which is often cited as the beginning of the end of PC sales, but Bajarin notes that was also about the time smartphones went mainstream, which might instead explain the decline in PC sales. follow link
Thoughtful, detailed coverage of the Mac, iPhone, and iPad, plus the best-selling Take Control ebooks.
Option-Click AirPort Menu for Network Details
If you hold down the Option key while clicking the AirPort menu in Mac OS X 10.5 Leopard, you'll see not just the names of nearby Wi-Fi networks, but additional details about the selected network. Details include the MAC address of the network, the channel used by the base station, the signal strength (a negative number; the closer to zero it is, the stronger the signal), and the transmit rate in megabits per second showing actual network throughput. If you hover the cursor over the name of a network to which you're not connected, a little yellow pop-up shows the signal strength and type of encryption.
Written by
Adam C. Engst
Why iPad Sales Are Slowing
Well, one reason I haven't replaced my iPad 3 is due to iOS 7. If they'd dump the sucky interface and go back to the beautiful earlier one, I'd by a new iPad in a heartbeat, most likely a Mini with Retina. I respect Jony Ives as a HARDWARE designer, but for software he is in way over his head. It is sad to see such arrogance.


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We have stayed in this hotel for 3 nights. Very comfortable rooms, nice pool area and friendly staff.
The location is very central with walking distance to the main attractions. If you can get a room higher up and at the back of the hotel you will get a good night sleep as it is very quiet.
The hotel is exactly what you would expect from a 5 star hotel.
- Official Description (provided by the hotel):
- Closed temporarily due to renovation Park Hyatt Saigon occupies a prime location overlooking Opera House and within reach of international airport. 244 French colonial designed rooms and suites provide a cozy residential ambience. Xuan Spa offers seven private rooms, an outdoor swimming pool and a fitness studio. Two innovative restaurants: Square One, Vietnamese seafood and Western steak; Opera, all-day Italian dining venue. Ballroom and meeting facilities are elegant in design with capacity of up to 450 persons. ... more less
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- Also Known As:
- Park Hyatt Saigon Hotel Ho Chi Minh City
- Hyatt Ho Chi Minh City
- Ho Chi Minh City Hyatt


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A house divided
As the nation celebrates its independence, it is possible that we are more divided as a country that at any time since the War Between the States.
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As the nation celebrates its independence, it is possible that we are more divided as a country that at any time since the War Between the States.
For those of you out there in readers-land who simply love living in a big house, there is a single word that can have you curled up in a ball on the floor crying. Downsizing.
In my last article I raised the question of whether it was necessary to remove God from public discussion in order to have a free, pluralistic society.
"Now this is not the end. It is not even the beginning of the end. But it is, perhaps, the end of the beginning."
Many people are looking at the recent Supreme Court decisions about Obamacare and same-sex marriage in terms of whether they think these are good or bad policies. That is certainly a legitimate concern, for both those who favor those policies and those who oppose them.
In his scathing dissent, Justice Antonin Scalia summarized the Supreme Court's decision in King v.
It was somewhere near the end of summer when it just come to me that perhaps my writing days were over. That it was time to just give up the ghost and move on from making a living as a writer and just settle into handling daily problems.
Our recent mission trip to Brazil not only impacted Brazilians spiritually, but also made a great impression upon the Fayetteville-area residents who participated.
"I am very, very glad I made the trip. It was inspirational, challenging and gratifying," said Noreen Rogers.
When Bobby Kerlin and I decided to start a Historical Society back in 1971, we knew we had to have a local attorney create a charter for us and a corporate standing in the state.
This was done in an efficient and complete manner.
In 1982, I was serving as an associate minister at a large church in western Colorado. I received an invitation to candidate for the position of pastor at a church in Alabama. I had previously served as a pastor and desired to be a pastor once again.
The blue and black striped lizard started to worry. Directly on the other side of the glass was what he feared most: the little boy. About 8 years old, the boy with pudgy fingers was tapping on the glass right underneath the lizard's orange belly. His sister stood next to him making faces.
When I heard the disturbing news about the Charleston church shootings, I thought about Michael and I wondered how long it would take for anti-gun activists to take advantage of the sad event.
You are what you say you are.
[Editor's note: The following is part two of a series of Q&As with Professor Paul Kengor about his new book, "Takedown: From Communists to Progressives, How the Left Has Sabotaged Family and Marriage."]
There's not a day goes by that I don't think of Mama and do something the way she taught me to do it.


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Great American Picture Cityscapes Georgia Capitol Framed Photographic Print
29" x 25" Size
33" x 29" Size
39" x 33" Size
49" x 39" Size
Great American Picture Cityscapes Georgia Capitol Framed Photographic Print
Weights & Dimensions
29" x 25" Size
33" x 29" Size
39" x 33" Size
49" x 39" Size
|Product Type: Photographic print
|Subject: Cities and countries; Architecture
|Medium: Giclee printed
|Shape: Rectangle
|Color: Multi-Color
|Hardware Finish: Silver
|Primary Art Material: Wood
|Number of Items Included: 1
|Time Period: Contemporary
|Region: North America
|Gender: Unisex/Both
|Eco-Friendly: No
|Size (29" x 25" Size): Medium 25"-32"
|Size (39" x 33", 33" x 29" Size): Large 33"-40"
|Size (49" x 39" Size): Oversized 41" and above
About the ManufacturerThe Great American Picture Company sells a wide variety of original photogarphic artwork from all over the United States of America. They have been selling fine art prints and posters as well as limited edition prints for over 20 years. The subjects of their artwork range from; national treasures, cityscapes, florals, seascapes, sports, and architectural to museum reproductions. The Great American Picture Company provides you with all your wall art wants and needs right from your home.
Great American Picture Cityscapes Georgia Capitol Framed Photographic Print
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OUR SKU # GAP1125Cityscapes Georgia Capitol Framed Photographic Print is also sometimes listed under the following manufacturer numbers: GA24-L-BK, GA24-L-CH, GA24-L-MHG, GA24-L-MP, GA24-L-SL, GA24-M-BK, GA24-M-CH, GA24-M-MHG, GA24-M-MP, GA24-M-SL, GA24-S-BK, GA24-S-CH, GA24-S-MHG, GA24-S-MP, GA24-S-SL, GA24-XL-BK, GA24-XL-CH, GA24-XL-MHG, GA24-XL-MP, GA24-XL-SL


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Comment: Re:"Harbinger of Failure" = Hipsters? (Score 1) 259 259
Actually the exact opposite is true.
Which is necessarily true in any kind of fashion, even if it's anti-fashion. Hipsterism is a kind of contrarianism; the attraction is having things that most other people don't even know about. But strict contrarianism is morally indistinguishable from strict conformism.
Now outside of major metropolitan centers like Manhattan when people say "hipster" they mean something else; there's not enough of a critical mass of non-conformity to cater to an actual "hipster" class. What they're really talking about is "kids taking part in trends I'm not included in." In other words its the same-old, same-old grousing about kids these days, only now by people who've spent their lives as the focus of youth culture and can't deal with their new-found cultural marginalization.
As you get older the gracious thing to do is to age out of concern, one way or the other, with fashion.


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US regulators launch most trenchant attack yet on Fiat Chrysler, accusing it of being too slow to notify drivers about faults and failing to provide critical information to the authorities
BMW is finally beginning to talk up its fuel-cell technologies. Think of it as an electric car that you fill with hydrogen when it gets low, so it's an electric car without the range limitations. It's pretty good now, and it's still a development generation from production.
Franco-Japanese alliance has now sold 250,000 electric cars
VW continues to dominate sales ahead of Toyota as the market prepares for new 152 plate with sales for first six months up 25%
After the i3 city car and the i8 supercar, BMW is planning a more mainstream electric car. It's set to go head-to-head with Tesla
Make-or-break premium saloon designed by elite project team to halt brand tailspin
All new, but conservatively styled, Audi's mid-sized mainstay sheds weight and turns further upmarket
Son says car maker needs to 'break away' from dominant presence of his father
Report says car makers face mounting investment worries
Revamped 4x4 too expensive and in need of a bigger engine, yet curiously appealing
Head of VW Group confirms next Bugatti will come with hybrid powertrain and also says the car giant is planning a new budget brand
Japanese firm claims to have fulfilled Back To The Future's 2015 promise
Cartell.ie warns of increasing number of used motors sold with money still owed on them
New model targets BMW 3-Series and Audi A4 and aims to start a 'rebirth' for the brand
Revamped Alfa range at centre of FCA's turnaround plan but faces massive pressure from established german rivals
Car firms buying up others is nothing new, but are we on the verge of super-mergers as groups look for new partners?
Porsche and Kia owners complained the least about their newly purchased vehicles
GLK turns GLC as Mercedes Benz's mid-sized SUV finally gets right-hand drive
First senior woman executive held on suspicion of illegally bringing pain killers into Japan
BBC confirms ginger car nut will be Clarkson's successor
Find out how we are challenging the meaning of #womendrivers by celebrating amazing women who are driving change
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In this, perhaps Dickens' most profound and personal novel, we are invited to share in the sentimental education of Pip, the poor boy from the village forge who risks losing himself in snobbery and selfishness when he mysteriously inherits a fortune. The story moves from the bleak Kentish marshes of Pip's childhood to a thrilling climax that mingles tragedy and triumph.
Download the accompanying reference guide.
Public Domain © and (P)1996 Naxos AudioBooks Ltd.
"We take great joy in recording our conviction that Great Expectations is a masterpiece." (The Atlantic Monthly)
"Dickens paints wonderful imagery with his words."
Anton Lesser is a master of voices and characters.
Pip's life lessons parallel many of our own youthful misguidance that only straightens itself out as he actually lives life.
"A superb narration for this classic."
Dickens has always provided characters that are memorable; the narration here has managed to truly bring them to life.
I can't choose a favorite character in this performance--Mr. Lesser caught them all so very well indeed.
I was moved as Pip realized just how much his mysterious benefactor had suffered unduly, and as we watch him fully change his attitudes and turn around his expectations both of other and of himself.
A rendition I most firmly recommend by a superb narrator.
"A Worthy Favourite"
There's nothing much that Anton Lesser can't do -- from Hamlet to Homer, his performances are always superlative. So he's the ideal narrator for Dickens' best novel, the wide range of vivid characters drawing out all the actor's virtuosity. Three minutes in, the convict appears out of nowhere, the listener is gripped by the neck, and this eerie and enthralling story begins to unfold in lifelike colour.
grandma reader
"Anton Lesser's narration is amazing"
Yes... the narration is that good.
His talent for various voices and accents makes the story come alive.
I love to read mysteries, histories, biographies, humor, and Jane Austen.
"Love the narration, disliked the book"
I just love Anton Lesser as a narrator. He is an amazing reader, with an incredible knack for creating rich characters with just his voice.
On the other hand, I've never cared for Dickens, and his popularity has always been puzzling. This seemed like a good opportunity to see if Mr. Lesser could open the door of Dicken's magic.
As always, Mr. Lesser made magic with his voice. These characters will remain with me as rich individuals. But I still don't understand Dickens' popularity, because the story was not engaging in the least - at least, not for me. Instead, I was simply annoyed by the passive and discontented Pip, who is never happy no matter what life gives him.
"Great Book & Genius Narrator"
One of the top.
Miss Havisham because of her surrealistic quality.
Anton Lesser is brilliant as all the charactres and has an amazing grasp on Dickens' dialog and the subtleties of its humor. But I especially liked his portrayal of Wemmick.
Pip leaving Joe was the most moving, but also his climactic confrontation of Estella.
"Amazing Storyteller"
This narrator was awesome. He really knows how to bring the story and characters alive.
Pip and so many of the other characters. They all brought out the frailties and foibles, nobility and character of all of us.
I have not but plan on listening to others.
This is an excellent story which causes reflection of self and others through all spectrums of emotion.
"A very good novel; superb narration"
I read Great Expectations a few years ago. I was underwhelmed. I love Dickens, and I know this is one of his most highly rated works. But I found the characters a bit too stock, and the plot dragged in the middle of the book. Listening to it, I enjoyed it more and understood better the sort of themes it explores. For all, that I still think it short of Dockens' best; but it's very good, and Anton Leiser, as always, narrates it brilliantly. If there is an award for reading aloud, he should win it.
"Everything was perfect!"
As with many of the classics, this was all story. I had a love/hate/love relationship with the book as the lead character grew into a man and FINALLY learned from his past mistakes. I was deeply moved by the story and that is what makes a great book; whether strong positive or negative feelings are evoked.
"The best"
The story is great, and the reader is fabulous.
The turn of the characters story as Pip grows up.
Depth of feeling, accents, voices
"Dickens brought to life."
The last time I encountered Dickens was at school (some 40 odd years ago) when our English teacher read Oliver Twist to us and made it come alive. In order to relive this experience I downloaded Great Expectations and was not disappointed. Anton Lesser is an inspired choice as narrator...along with Dickens descriptive talent he made this a magical experience and I want to move on to more of the same.
"Dickens and Lesser are a Perfect Combination"
Equal top with other Dickens/Lesser collaborations and some Virginia Woolf / Juliet Stevenson works.
Wemmick, or rather the home and story of Wemmick and the Aged P, is a wonderfully endearing construct.
"Great Expectations Fulfilled"
Anton Lesser is brilliant at creating the characters Dickens portrays in this wonderful story – he never falters in bring the imagination to life, making me laugh out loud or shed a tear whilst listening to him on the bus - I will listen to this story over and over again. My great expectation was fulfilled. Thank you Mr Lesser.
"Interesting at times, but a bit long and old."
I've been trying to get into the old classics, and although I can enjoy some of the differences from modern writing, I do find it difficult to enjoy. I think it is the pace which gets me. This and other old classics are so slow! They meander around the points and the characters and I just want them to move on! The main storyline, however, is sound and good.
"my review"
good a bit long winded, but that"s just the time, a incredible story just look past the language, 9 and a half.
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University of Hawaii gets $9.2M grant for biomedical research
The University of Hawaii at Manoa has received a $9.2 million grant for biomedical research from the U.S. National Institutes of Health.
The three-year grant will support a total of 14 junior faculty researchers spread out between the University of Hawaii at Manoa, UH Hilo, Hawaii Pacific University and Chaminade University. The researchers will conduct hypothesis-driven research, and the results of the research are expected to be the foundation of presentations and research publications that lead to other grant opportunities, according to a statement from the University of Hawaii.
The grant also will supply funding for biomedical science enrichment programs at the state's community colleges. In addition, the grant will provide training and educational opportunities for undergraduates at all of the aforementioned institutions, according to the statement.
The grant's major themes are natural products research and neuroscience, both of which are research strengths currently in Hawaii.


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Tue 7th Jan 2014 8:00amPorthcawlsurf's Porthcawl - Coney Beach Surf Report
Big and messy at Rest Bay 4ftish and surfable at Coney Beach
View the Porthcawl - Coney Beach Surf Report and Forecast. Porthcawlsurf's Reports have received a total of 1116030 views.
This report has received 175 views since 7/1/14.


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- Governor, AG differ on legality of payroll without budget
- Regular RHA meeting a quiet affair
- Funnel clouds possible through evening
- Smoking bans a breath of fresh air to some, infuriating to others
- Experts break down the SCOTUS gay marriage ruling
- Senators offer insight into population loss
- SCOTUS ruling legalizes gay marriage
- RAMP receives $10,000 grant for youth services
- Obamacare victory shows failure of Scalia's conservative revolution
- City Market: June 26
TownSquare Players in search of artistic director
From press release
WOODSTOCK, Ill.—TownSquare Players (TSP), the oldest resident community theater company of the Woodstock Opera House, is seeking applicants for the position of artistic director for The Importance of Being Earnest, the classic comedy of manners written by Oscar Wilde.
Individuals interested in this position are invited to e-mail a letter of interest or résumé to firstname.lastname@example.com. The deadline for applicants is Friday, Nov. 5. Interviews will be scheduled later in November. The position is paid a stipend.
Those interested in other behind-the-scenes positions (stage manager, etc.) are asked to submit a letter of interest or résumé to the same e-mail address by Friday, Nov. 19.
The Importance of Being Earnest will be performed March 4-20, 2011, at the Woodstock Opera House.
Job descriptions can be found at the TownSquare Players website, tspinc.org.
From the Nov. 3-9, 2010 issue


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Gear Review
lisa bobisa
Works on Split-boards
- Gender: Female
- Familiarity: I've put it through the wringer
I have the Roxy Smoothie 155 split-board and these work great on it. Love being able to hike on my snoboard!! so cool!
View More Details on G3 Alpinist Split Board Skin


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Moore and Brannon Braga received another Hugo nomination for their script of the movie Star Trek: First Contact (1996).
User Score: 112
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Hampers you don't have to hide. Made from a durable, natural, heavy cotton canvas our Hampers can be used for everything from laundry to toys or tossed in the back of the car for a weekend out of town.
Jameson Collection Hamper
For more ideas check out 10 tips for an organized party shelf
20 " H X 18 " Diameter
Material: Cotton
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1898 $20 PR64 Cameo PCGS. The 1898 is one of the more ...
2002 June Long Beach Signature Sale #292
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Starkly Contrasted Cameo Proof 1898 Double Eagle1898 $20 PR64 Cameo PCGS. The 1898 is one of the more available proof Double Eagles struck prior to 1900. This is not to say that this issue is common, as the Mint produced only 75 proofs this year, no more than 30 of which are believed extant. An exquisite specimen, the present representative has the eye appeal of a Gem. The devices are richly frosted, a feature that contrasts boldly with the deeply mirrored fields. There are no distracting blemishes in the prime focal areas, only a few tiny ticks in the obverse field. Orange-gold in color with eye appeal to spare. (NGC ID# 26EK, PCGS# 89114)
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HN-STNS050 Stansport
Stansport 12 Volt Electric Air PumpItem # HN-STNS050
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- Quickly inflates and deflates most large volume inflatables
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- Includes 3 adapters to fit most recreational inflatables
- 12 volt cigarette lighter plus
- Features power cord switch
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The NAR stat ... more
Commission rates work the same in Seattle as they do anywhere else. Commission is paid by the seller, so if you're buying it's not something you need to worry about or negotia ... more
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Chiefs sign former Packers linebacker Zombo
Updated: April 4, 2013, 10:25 AM ETAssociated Press
KANSAS CITY, Mo. -- The Kansas City Chiefs added depth at linebacker Thursday by signing Frank Zombo, who had spent the past three seasons with the Green Bay Packers.
Zombo will be reunited with longtime Packers personnel man John Dorsey, who was hired as the Chiefs' general manager in January and has been aggressively overhauling the team's roster.
A former undrafted free agent, Zombo played college football at Central Michigan before signing with Green Bay. He played in 25 games ...
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Thanks to everyone for your donations to the Annual Fund! Your generosity has supported student programs and scholarships; green initiatives; world-class faculty; academic programs; and campus, technology, and lab improvements - as well as every student's quality of life.
We're counting on you this year, too. Make an online donation today.
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Arizona State Sun Devils
Sun Devils called 'best bet' for Pac-12 title
We're a little more than one month away from the kickoff to college football season, which means predictions are being made by just about everyone who even remotely cares about the sport.
In an ESPN Insider piece, writer Will Harris examines the conference championship odds in the five power conferences, and has a good feeling about the Arizona State Sun Devils.
Harris uses odds from Heritage Sports, which have ASU as the fifth-most likely team to capture the Pac-12 title this season, behind Oregon, Stanford, USC and UCLA. But at +800 (8-to-1), Harris thinks the Sun Devils are the best pick for gamblers.
The Sun Devils aren't stocked with obvious first-team all-conference types beyond All-American Will Sutton, but this team has sufficient talent on defense and at the skill positions to make a run at league honors. This outfit also has great chemistry and double-digit wins or a division crown shouldn't be a surprise.
The Pac-12 race is fairly open this year. While none of the many contenders have really generous prices, the Sun Devils edge out Stanford and Washington as our choice from the current futures lineup.
Harris cites Chip Kelly leaving for the NFL and leaving the Oregon coaching reins to the unproven Mark Helfrich as the reason for looking somewhere other than Eugene for this year's Pac-12 champ.
Harris also likes South Carolina in the SEC, Oklahoma in the Big 12, Michigan in the Big Ten and Clemson in the ACC.
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- Rick Neuheisel, CBS AnalystNeuheisel talks recruiting with Diddy and ASU's chances in the PAC-12
- Arizona State Head Basketball Coach Bobby Hurley Bobby Hurley talks about coming to Arizona State and what it's like recruiting in Arizona.
- Corona Del Sol Star Basketball Player Marvin Bagley III Marvin Bagley talks about winning the state title, recruiting, and shows off his musical talent.
- Ray Anderson, ASU athletic directorRay Anderson discusses the importance of scheduling major football opponents.
- Glenn Parker, Pac-12 Football AnalystGlenn Parker discusses the upcoming Pac-12 football season.


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No church in the wild. Black Milk recounts his religious upbringing and how he went astray in the striking new two-part visual for "Sunday's Best/Monday's Worst." From what we can gather from the album's cover art - which is filled ...Read More
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Be a smart investor is a downloadable ebook that provides tips and information on what you should look out for and avoid if you are intending to make money through investments. With this guide in hand, you are in a better position to know what are the best investments to make, the best stocks to buy, etc. Download this Smart Investor guide NOW!
Be A Smart Investor © 2012 All Rights Reserved -1- Be A Smart Investor Be A Smart Investor ~ Learn The Correct Methods To Investing Your Money Effectively~ By Jeff Boo © 2012 All Rights Reserved -2- Be A Smart Investor FOR PERSONAL USE ONLY THIS DOCUMENT IS PROTECTED BY INTERNATIONAL COPYRIGHT LAWS AND DOES NOT COME WITH RESALE RIGHTS. THIS DOCUMENT MAY NOT BE SOLD AND OR DISTRIBUTED BY ANY MEANS WITHOUT THE WRITTEN CONSENT OF THE AUTHOR AND PUBLISHER. DOING SO WITHOUT PERMISSION MAY RESULT IN SEVERE LEGAL ACTION TAKEN AGAINST YOU. LEGAL DISCLAIMER THIS BOOK IS SOLELY FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND DOES NOT COME WITH ANY GUARANTEE, WHETHER EXPRESSED OR IMPLIED, THAT THE READER OR ANYONE ELSE WHO FOLLOWS THE ADVICE OF THE AUTHOR WILL ACTUALLY EARN ANY INCOME WHATSOEVER. ANY MONEY THAT YOU CHOOSE TO FORFEIT, SUBMIT, INVEST, DIVULGE, USE, SPEND, EXHAUST, SQUANDER, WASTE, SPLURGE OR EXPEND ON ANY OR A COMBINATION OF MORE THAN ONE OF THE PROGRAMS OR TECHNIQUES MENTIONED WITHIN THE AUTHOR'S TEACHINGS SHALL BE DONE AT YOUR OWN RISK AND EXPENSE. YOU ALSO AGREE NOT TO HOLD THE AUTHOR OR THE PUBLISHER OF THIS PUBLICATION LEGALLY LIABLE FOR ANY MONEY OF YOURS THAT IS LOST, SCAMMED, SWINDLED, OR CHEATED AS A RESULT OF YOUR DISCRETIONARY CHOICE TO FOLLOW THE ADVICE OF THE AUTHOR. THE AUTHOR IS NEITHER A FINANCIAL NOR A LEGAL EXPERT. THEREFORE, PLEASE TAKE THE UTMOST DISCRETION WHEN CHOOSING TO IMPLEMENT ANY OF THE METHODS, TECHNIQUES OR PROGRAMS THAT THE AUTHOR MAY MENTION IN THIS PUBLICATION. © 2012 All Rights Reserved -3- Be A Smart Investor Table Of Contents Forward Chapter 1: Why Are You Investing Chapter 2: Reasons Not To Invest Chapter 3: Decide What's Right For You Chapter 4: Day Trading Chapter 5: Online Stock Trading Chapter 6: Taxes Chapter 7: Correct Mindset Wrapping Up © 2012 All Rights Reserved -4- Be A Smart Investor Foreword If you're like a lot of people watching the recession unfold, you have likely started to look at your finances under a microscope. Perhaps you have started saving--the annual savings rate by people has started to recover a bit. Statistics conclude that 72% of workers will only be able to replace 45% of their income from Social Security and their 401(k) s combined. Yikes! The huge majority of those depending on 401(k) s have little hope of living as well in retirement as they did being employed. If those scary stats aren't a wake up call to baby boomers and generation-Xers I don't know what are. A lot of middle-aged employees have a number of choices. Work at your present job till you drop dead or look forward to a second career as a Wal-Mart welcomer. A different choice is to actually learn how to become a better investor and work hard to make your retirement hoard grow at a rate higher than the 7% to 10% yearly that you may expect from a index fund or with a financial advisor. Now you're enquiring: What about investing my cash? How do I begin if I don't have a lot, and how do I limit my risk? Here are steps to become an investor, and do it the right way. © 2012 All Rights Reserved -5- Be A Smart Investor Chapter 1: Why Are You Investing Synopsis Why are you investing? It's all right if you have a lot of different answers for this query, but there is a big issue if you have no answer at all. Investing is like driving--it is best done with your eyes wide- open! © 2012 All Rights Reserved -6- Be A Smart Investor What Are Your Reasons Having clear-cut reasons or purposes for investing is vital to investing with success. Like conditioning in a gymnasium, investing may become hard, tiresome and even dangerous if you are not working towards a goal and monitoring your forward motion. Here we have a look at a few common reasons for investing and paint a picture of investments that fit those reasons. Retirement No one knows whether the pension scheme will survive the faring decades. It is this doubt and the realness of inflation that forces us to plan for our own retirement. You need simply open the paper to find out about a company that's immobilizing pensions or a new bill that will cut off government payouts. In these unsure times, investing may be a tool to help you carve out a strong path to retirement. There are three maxims that go for investing for your post-work years: 1. The more years there are between now and your retirement, the more years your cash has to develop. You have to hold in mind that you are fighting rising prices when you are planning to retire. Put differently, if you do not invest your cash to outpace rising prices, it won't be worth as much in the time to come. 2. The older you are once you begin, the more risk contrary you will have to be. This means that you'll probably use guaranteed investments like debt securities, which have lower returns. By contrast, if you begin young, you are able to take bigger risks for (hopefully) bigger gains. © 2012 All Rights Reserved -7- Be A Smart Investor 3. The sooner you set about learning about investing, the simpler it will be to pick it up. Financial professionals are hard to choose and costly to keep, so it is best to manage your own affairs whenever conceivable. Investing for retirement is like long-term investing. You want to discover quality investment vehicles to purchase and hold with the majority of your investment capital. Your retirement portfolio will in reality be a mix of stocks, debt securities, index funds and other money market instruments. This mix will shift as you do, moving increasingly towards low-risk guaranteed investments as you mature. Accomplishing Financial Goals You don't always have to think long-run. Investing is as much a tool for molding your present financial situation as it is for forging your future one. Do you wish to buy a new car next year? Wish to go on a cruise? Wouldn't a holiday that was paid for with dividends feel nicer? Investing may be used as a way to enhance your employment revenue, helping you purchase the things you need. Because investing changes along with the investor's wanted goals, this sort of investing isn't like retirement investing. Investing to accomplish financial goals involves a blending of long-term and short-term investments. If you're investing in the hope of purchasing a home, you'll almost certainly be looking at longer-term instruments. If you're investing to purchase a new PC in the New Year, you might want short-term investments that pay dividends or some high-yield bonds. © 2012 All Rights Reserved -8- Be A Smart Investor The caution here is that you have to pinpoint your goals first. If you wish to go on a holiday in a year, you have to sit down and work out the cost of the holiday in total and then come up with an investing scheme to meet that goal. If you don't have a set destination, the cash that ought to be going into that investment will doubtless be utilized for other purposes that seem more urgent at the time. Investing to accomplish financial goals may be very exciting and ambitious. Combining the pressure of time constraints with the fact that you're not commonly dealing with big sums of vital money (as in retirement investing), you might be less risk averse and more motivated to learn about greater yield investments (growth stocks, shorting, etc.). Best of all, there's a tangible advantage at the end. © 2012 All Rights Reserved -9- Be A Smart Investor Chapter 2: Reasons Not To Invest Synopsis Even as there are main reasons to invest, there are big causes not to invest: debt or a lack of knowledge. © 2012 All Rights Reserved - 10 - Be A Smart Investor Why Not To Do It In the first case, it's a simple matter of math. Suppose that you have a $1,000 loan at 9% interest, and you get a $1,000 incentive. Should you invest it or ought you pay down the debt? Short answer: pay down the debt. If you invest it, the cash has to make a return of well over 9% (not counting commissions and fees) to make it worthwhile. It may be done, but it's much simpler to find good returns on investment without having to battle losses on your debt. There are different kinds of debt-- charge card, mortgage, student loans--and they carry different degrees of weight when you're thinking about whether or not to invest despite them. When it comes to lack of knowledge, throwing your money arbitrarily into investments that you don't comprehend is a sure way to lose it rapidly. Returning to the exercise analogy, you don't walk into a gymnasium and squat five hundred pounds your beginning day. Put differently, your introduction to investing ought to follow the same incremental procedure as weight training. Your reasons for investing are bound to shift as you go through the ups and downs of life. This is a crucial procedure as the only other option is to invest with no aim, which will likely result in investing patterns that reflect your doubt and cause your returns to suffer. Your reasons and goals will have to be critiqued and adjusted as your conditions change. Even if nothing important has changed, it's always helpful to reacquaint yourself with your reasons at regular intervals to see how you've advanced. © 2012 All Rights Reserved - 11 - Be A Smart Investor Chapter 3: Decide What's Right For You Synopsis Once you've distinguished your goals and how long you're planning to invest your cash, you ought to determine your risk tolerance. Here's a quick guideline: The higher the return, the higher the risk. If you wish to earn 15% on your stock investment, you likewise have to be willing to accept the loss if your stock goes south (remember the recent stock devaluation after the housing crisis?). Here's where your goals come into play: A long-run investor may simply ride out these wanes and flows of the stock market, but somebody who needs that cash to pay for their daughter's college tuition this year would be financially ruined. If you're worried about risk, consider investments without a loss of principal-- meaning you can't lose the cash you've invested--like bonds or CDs. These investments have a much lower return than stocks, but they might help you sleep good at night. If you already know the great profits you can make by investing in stocks and are eager to find out how to buy and sell them at the right timing in order to make more money, click here. © 2012 All Rights Reserved - 12 - Be A Smart Investor Have A Good Look Understanding your risk tolerance when it comes to investing is all- important to building a portfolio that works well for your hard-earned cash. How do you go about executing that? What precisely is investment risk tolerance? Investment risk tolerance defined in general language is the degree of doubt an investor may handle in reference to major losses in his or her portfolio. Your risk tolerance is your power or lack thereof, to take a major loss. Realizing what kind of risk tolerance you have is utterly key, and it is something that has to be done prior to you investing your hard earned bucks into an investment portfolio. Before you put your cash to work, get to work on knowing what sort of assets you ought to have in your portfolio. How may you find out what sort of risk tolerance you have when it bears on investing? There are a few risk tolerance questionnaires and quizzes online that may be quite helpful. Also, consider things like your age, income essentials, future financial goals, and even your power to control your emotions. An investor who's unable to take many risks at all is said to be risk averse. If you are risk averse you're likely to wish to be in assets such as bonds and certificates of deposits. An investor who's very tolerant of risk is more prone to be in assets like individual stocks and even stock options. © 2012 All Rights Reserved - 13 - Be A Smart Investor Watching a portfolio lose a lot of cash and being able to sit back and still feel confident about the state of your portfolio is hard to do, so one needs to know going in that they either are able or not able to do just that. Comprehend your risk tolerance before investing in your portfolio and then realize that as your financial state of affairs changes your tolerance for risk will likely change too. Flexibility and adaptability of the portfolio is a must. The investment planning process consists of four vital components, which must work together for optimal results. It's important to do a self assessment of your needs prior to taking any action and the use of a specialist is recommended to ensure the process is clear of any emotion. With the proper setup and appropriate dedication to the plan, it's possible to achieve your objectives in a way that will keep you expenses and stress levels low. 1) Defining Goals and Objectives a) Purpose for cash b) Timeframe for Investment c) Acceptable Risk for Return 2) Account Type a) Qualified Account vs. Non-Qualified Account © 2012 All Rights Reserved - 14 - Be A Smart Investor b) Insured vs. Not-Insured 3) Product Considerations a) Taxable vs. Not Taxable b) High Risk vs. Low Risk c) Liquid vs. Not Liquid d) High Fees vs. Low Fees 4) Ongoing Management a) Quarterly review of product performance b) Semi-Annual review of plan c) Annual review of goals and objectives © 2012 All Rights Reserved - 15 - Be A Smart Investor Chapter 4: Day Trading It is a widely known and irrefutable fact that money is a necessity in life. Everyone uses it. You use it everyday in your life. You use it to buy food, you use it to buy clothes, you use it to buy fuel for your car, and you use it to get the things necessary to run your daily life. One of the best ways to earn more money is through day trading. Day trading is a kind of trading where you trade stocks and other financial options that you will usually complete in a single day. This kind of trading can get you profits in a short period of time. Maybe this is the reason why this kind of trading is becoming more and more popular for people. However, like any kind of trades, day trading tends to have its risks. You may lock in on a lot of profits in a single day, but the risks involved are also huge. Many people have suffered huge financial losses in a very short span of time. It doesn't necessarily mean that day traders are very active in the market floor. There are different kinds of trading strategies that day traders use in order to make a lot of profit in a single day or in just a few hours or even minutes. One kind of day trader tends to buy and sell stocks many times in a matter of hours or even minutes. This enables them to acquire deep discounts from the brokerage because of the high volume of trades they do. The other kind of day trader tends to focus on the trend of the market. They tend to wait for the strong move before they decide to buy or sell a particular stock which may occur on that same day. They tend to trade fewer times than the previously mentioned day trader. © 2012 All Rights Reserved - 16 - Be A Smart Investor However, if you are just a beginner in day trading, you should consider that this kind of trading is very risky and can result in huge financial losses. Here are some things you should consider before you enter this kind of trading: • Since stocks are volatile and can rise and fall anytime during the day, you should continuously watch your computer terminal. You should frequently observe where the trend is going in order to make the right decision. • Although day trading has the potential to let you make a lot of money, you should also keep in mind that the risk in day trading is huge. Expect losses on the first month and learn from the mistakes you made. One thing you should always keep in mind is that you should only risk money that you can afford to lose. • Be patient. Day trading tends to be stressful and can make you impatient. It is very important that you should not make any move if you are unsure of the results. This is a common mistake day traders make. • If the stock isn't moving, get out of the trading floor, go home, and evaluate what to do in the next day. Day trading stocks is one of the best way to get money, following these advice will result in minimizing the risk and increasing the potential of generating that income you have always wanted. If you already know the great profits you can make by investing in stocks and are eager to find out how to buy and sell them at the right timing in order to make more money, click here. © 2012 All Rights Reserved - 17 - Be A Smart Investor Chapter 5: Online Stock Trading Stock trading has been around about a century ago. Since then, stock trading has evolved and it is very different from what you see today. Stock trading has been more and more available for everyone and has been making ways on how to make more money. Today, thanks to the advancement in communications technology, investors can now trade stocks online. Trading stocks online is much more convenient than being on the actual market floor. It will remove the drama that you see on movies and on news but it is much more convenient and much more comfortable. Also, it lessens the risk of losing money and increases your chance of making more money. Online stock trading has a lot of advantages. Firstly, buying and selling stocks online can be done with almost no human intervention at all. It is an efficient and a secure way of buying and selling stocks. However, if you want to enter the world of stock market and you don't know anything about it, it can be very risky and you may end up losing money instead of making money. This is why there are online stock brokerage companies that can help you with your stock trading. They will provide you with enough information about stock trading and will advice you on the decisions you have to make. These online trading companies can be of great help for you if you don't know anything about stocks. What this company will do is that they will be the one to trade for you. They will be the one who will manage your money effectively and they will also be the one to place your orders. © 2012 All Rights Reserved - 18 - Be A Smart Investor Because there are complicated issues when it comes to stock trading, most people will never understand how it works and what to do once they have entered it. An online stock trading company will be able to help you with your decisions and will give advices to help you make a profit. All they will ask from you is a small amount of fee for their services. They will only be taking a small percentage from your earnings. Before you start signing up on an online stock trading company, you should make sure that the company is legitimate or has a good reputation. Know the average number of their clients who profited in their company and know what kind of advices they give. You should also find out if they have these basic services once you sign up for their company. You should find out if they have real time quotes, news, charting, research capabilities and account information. These things are essential in trading and should be provided by the online stock brokerage trading companies you plan on signing up with. Another thing you should look for is a trial period. A good online trading company will never force you to join; they should be willing to give you a trial period in their company in order for you to determine the quality of their services. If you don't like how they run things in the company, you can easily tell them about it and unsubscribe from their company and look for another online trading company. If you are comfortable with the company, you can be sure that you can work together. Always remember that these companies will only provide you with information. They will always follow your decisions. They are just there to advice you on what to do next and will not necessarily mean that you should follow their advice. © 2012 All Rights Reserved - 19 - Be A Smart Investor Chapter 6: Taxes Synopsis Online investors are unlikely to have tax consultants on retainer, so they have to know how picking the right sort of account may lower their tax bills. Brokerage accounts may all seem the same; after all, they're simply holding tanks for investments. Different sorts of brokerage accounts, though, look really different to the government. Thanks to the unbelievable complexity of the tax code, you are able to use three main sorts of accounts to hold your investments: taxable, retirement, and education savings accounts. © 2012 All Rights Reserved - 20 - Be A Smart Investor Know What's Available Investing in taxable accounts Taxable accounts are really liquid, meaning that you are able to easily access the cash without paying special penalties. But that flexibility comes at a cost: taxes. Once stocks you own in taxable accounts go up, or appreciate, and you sell them, you owe capital gains taxes on your profits that tax year. And if the stocks issue you hard cash payments, you owe tax on those, also. If taxes are your primary concern with investing, consult with books on the matter or with a tax professional person. When you trade a stock held in a taxable account that has appreciated in worth, you commonly have taxes to pay. Usually, such capital gains taxes are calculated based on how long you owned the stock. There are 2 holding periods: Short-run: That's the type of capital gain you have if you trade a stock after owning it for one year or less. You wish to avoid these gains if you are able to because you're taxed at the ordinary income tax rate. Long-run: That's the sort of capital gain result you get if you sell a stock after holding it for more than one year. These gains qualify for a particular discount on taxes. If you're interested in cutting back your tax bill in a taxable account, you wish to reduce, as much as possible, the number of stocks you sell © 2012 All Rights Reserved - 21 - Be A Smart Investor that you've owned for only a year or less because they're taxed at your average income tax levels. Placing your money in retirement accounts Retirement is among the largest and most intimidating matters you must save for. The silver lining is that special retirement accounts make saving easier: 401(k)s are commonly retirement plans sponsored by a company. Frequently the company matches the employee's contributions. 401(k) plans let you delay when you must pay taxes on your contributions and investment gains. Traditional IRAs are available to people under the age of 70-1/2 who earn as much cash as they wish to contribute to an IRA and wish to delay when taxes are due on retirement savings. Your contributions may also be tax deductible if you're not covered by a company pension account or don't exceed income limits. You are able to look up the current limits on the IRS site. Roth IRAs are retirement savings accounts that let you put in cash that's already been taxed so that it can grow and never be taxed again. Other popular retirement plans include simplified employee pension (SEP) accounts, 403(b) plans for employees of tax-exempt entities, and Keogh plans, which each have different benefits and disadvantages. © 2012 All Rights Reserved - 22 - Be A Smart Investor Education savings accounts The cost of a college education keeps surging. In 2010, the tuition and fees for a four-year public college academic degree cost $32,600, on the average, and a private college costs $121,800. And it gets worse: Tuition prices go up faster every year, 6.5 percent on the average, than prices on almost anything else you'd purchase, including stamps, eggs, and milk. If you factor in the 6.5 percent yearly rate at which tuition fees are increasing, in 18 years, the tab for a public college will hit $92,900, and it'll reach $347,700 for a private one. 529 plans are financially attractive state-sponsored education savings accounts. They may be utilized to shield money earmarked for college or to prepay college tuition fees to lock in today's price. Coverdell Education Savings Accounts are more restrictive than a few education savings accounts, but they've the big advantage that the money may be used to pay for elementary and secondary school also. © 2012 All Rights Reserved - 23 - Be A Smart Investor Chapter 7: Correct Mindset Synopsis Have you ever marveled about the mind-set needed to become a successful investor? I have, a lot of times, and I confess to gaining lots of inspiration, and valuable learning, from reading about investing legends. So I thought it would be interesting to share a few of the tips picked up along the way, and that would apply as much to you and me as to the investment greats. © 2012 All Rights Reserved - 24 - Be A Smart Investor Right Frame Of Mind Don't be a backseat driver. No one is going to take the wheel and drive you to a successful goal. You have to take responsibility for your own fate, and be prepared to take action to accomplish it. Everything that occurs is a reaction to the actions you take. It's like cause and effect. So be fixed to take the wheel, to be the driver, and to be the guide. There are plenty of road signs along the way to direct you. Ask yourself the question, "On my road of life, do I wish to be the driver, or a passenger?" And take your seat from there. Stick by your decisions Experienced investors devote a lot of time to analyzing their options and working out the best course of action. When they've done that, and when they've a good 'feel' for what is correct, they act decisively and make their move. Many first-time investors bear what I call, "Buyer's remorse", where they instantly begin questioning their move, and worry whether it was the correct one. The best advice is we need to invest and march on, and believe in what you have done. Even if somebody does question your decision, that somebody shouldn't be you. Don't let concern stop you © 2012 All Rights Reserved - 25 - Be A Smart Investor Have the mind-set to see a half-glass as it is, put differently, half full. When a chance comes your way, when you've done all your research, and it looks and feels correct, don't allow yourself to get paralyzed by fear and lapse into inactivity. A lot of fears are irrational, and by listening to them, you risk letting the chance slip through your fingers. Consider each concern, and work out where it's coming from. In most cases, it's merely your inner mind attempting to prevent you from stepping out of your comfort zone. All investors feel nervous at some point or other. All the same, they don't let concern block their path. Produce your own support network Negative individuals spend a lot of time and energy trying to bring individuals down to their level. If you surround yourself with optimistic individuals, then you're more likely to remain optimistic yourself. Make certain that you build a support network that will support you, and beef up your resolve and belief in yourself and the course of action you're taking. You don't need individuals who undermine you and drain your self-confidence. Remain open to investment tools Successful investors think differently to normal individuals. They don't shy away from debt, for instance, and rather they utilize the leverage it gives them to produce more wealth. Have you ever wondered why some individuals think just the opposite? About how © 2012 All Rights Reserved - 26 - Be A Smart Investor debt is foul, and that you must save up the cash for things that you wish to buy? If investors waited for that, they'd never get anyplace. Leverage and the miracle of compounding are valuable tools in their investor toolbox, and they utilize them wisely to accomplish major gains. You can too. To elevate yourself to the level of a successful investor all you have to do is adopt their mind-set. Don't get bogged down in fear and self- doubt. Think like a successful investor, and you're sure to become one. © 2012 All Rights Reserved - 27 - Be A Smart Investor Wrapping Up Never invest in a product that you don't fully comprehend. Consult data sources like business and financial publications. Information regarding the fundamentals of investing and basic financial language may be found at your local library. Ask your sales representative for the prospectus, offering circular, or most recent yearly report - and the "Options Disclosure Document" if you're investing in options. Read them. If you've questions, talk with your sales representative prior to investing. You likewise might wish to check with another brokerage firm, an accountant, or a trusted business adviser to get a second opinion about a specific investment you're considering. Maintain good records of all data you get, copies of forms you sign, and conversations you have with your sales representative. Nobody invests to lose cash. However, investments always imply some degree of risk. Be cognizant that: 1. The higher the expected rate of return, the greater the risk; depending upon market developments, you may lose some or all of your initial investment. With a few investments, like options, you may lose more than the amount of your investment. Ask whether the security may be redeemed or if there's a market for it. © 2012 All Rights Reserved - 28 - Be A Smart Investor 2. A few investments can't easily be sold or converted to hard currency. Check to see if there's any penalty or charge if you have to sell an investment quickly or prior to its maturity date. 3. Investments in securities issued by a company with small or no operating history or published info might involve greater risk. 4. Securities investments, including mutual funds, are NOT federally insured against a loss in market price. 5. Securities you own might be subject to tender offers, mergers, reorganizations, or third party activities that may affect the value of your ownership interest. Pay measured attention to public announcements and data sent to you about such transactions. They involve complex investment decisions. Make sure you totally understand the terms of any offer to exchange or sell your shares before you act. In a few cases, such as partial or two-tier tender offers, failure to act can have damaging effects on your investment. 6. The past success of a specific investment is no warranty of future performance. A high pressure sales pitch may mean trouble. Be suspicious of anybody who tells you, "Invest quickly or you'll miss out on a once in a lifetime chance." © 2012 All Rights Reserved - 29 - Be A Smart Investor If you already know the great profits you can make by investing in stocks and are eager to find out how to buy and sell them at the right timing in order to make more money, click here. Talk to you soon! Jeff Boo & Stella Mak Stock Trading Tips © 2012 All Rights Reserved - 30 -
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