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meal planning 101
Many times I hear that meal planning and cooking at home is difficult because it requires too much time. I believe it is all relative to the amount of time we choose to dedicate to the task at hand and the value we place on those tasks. Chris and I have been exploring ways to find more time and it's amazing how our subconscious choices influence what we think is a lack of time or lack of money. It's really all about choices and adapting. Here is how I plan meals for the week... Every Thursday, Chris picks up our basket from Trish and Ed's Organics CSA. This is the main staple of our meals and I plan most all of the recipes we make based on the produce we get in this basket. I like Trish and Ed's because we can choose which seasonal produce we want for the week. We also like to get mostly veggies and greens in our baskets :)
This basket we got a lot of greens! Their rainbow chard is beautiful and a favorite of ours.
It's fun trying new produce and making different recipes with it.
I put everything away as soon as I can that Thursday evening, while scoping out what we still have in the fridge and what items are in the pantry. Then we start thinking about recipes to make that include the new produce, along with anything left in the fridge and pantry. Sometimes I will start prepping the produce that evening if I feel like it, but I usually wait until the weekend :)
Veganomicon is one of our favorite cookbooks. I also like looking on Post Punk Kitchen, Oh She Glows and various other plant-based websites for recipe inspiration. I usually find a recipe and then tweak it to our tastes and what I have on hand.
Once we have some recipes in mind, which takes about 15 minutes, I get out my fun planning board from Organizher I got at Target for like 9 bucks. I'm one of those type A personalities that likes to write everything down on lists and such. If you are like me, and you know who you are, then you may get excited about this or already have something like it in place :) There is also a magnetic blank grocery list that comes with the planner for writing down anything else that needs to be picked up.
I put it on the side of our fridge so that we are all on the same page about what is for dinner and what activities we have planned for the week. I usually always plan for leftovers on the nights I go to pilates or when we won't be home until later. I do love cooking and all, but when I get home late and I'm hungry, then watch out! because I want to eat NOW.
It works really well for us. Here is an example of last week...
I try to make enough so that lunch usually consists of leftovers and we can have leftovers for dinner a few days. Sometimes Chris goes out for lunch so it works out if we don't have quite enough. On some Fridays we go out with friends for Fajita Friday. I always try to make one raw dip for veggies and one salad that we can have whenever throughout the week. Snacks consist of fruits, veggies and/or nuts. Every morning we use a good amount of the greens and some fruit for smoothies.
Chris and I have about 9 - 10 servings of veggies and fruit (mostly veggies) each day. It is recommended to get at least 5 - 9 servings each day. Because our meals are mostly plant-based, it makes it super easy. This was a slow transition :)
After we pick the recipes, I write down all the items that we need based on the layout of the store I'll be going to which takes about 15-30 minutes. Saturday or Sunday morning I head out to Trader Joe's to get these items. Once I get home and get everything unpacked then it's time for lots of prepping. The weekends is when I do the bulk of the prepping and cooking of meals that may require more time. I spend a total of about 2-5 hours prepping veggies, recipes, snacks and ferments like kefir and kombucha. To me this is small amount of time for the delicious and healthy food we get to eat and it's pretty darn fun too. It feels great when it's done and then the week goes pretty smoothly. If things don't go to plan, I can sub a different recipe or whip up something quicker if needed. Sure there are weeks when I fail at prepping everything and I had too many other things going on during the weekend, but for the most part this works for us.
Now I understand that this plan may change completely if kids were in the picture! I can see how this can be very challenging. I do think it is still possible though with the choice to make the time and get the kids involved as much as possible. To me healthy food is a very important priority no matter what is going on so I treat it as such. I don't think of it as a burden. Making the choice to utilize precious time to plan meals and cook at home opens the doors to a healthy, sustainable life. I do my best to plan and prep each week and adapt to any challenges that may arise.
I have been doing this for awhile now, but it hasn't always been so smooth and we haven't always been mostly plant-based. I liked cooking, but it always seemed difficult no matter what with work, with school, with cycling, etc. There will always be an excuse no matter what. It's about making the choice to do it and looking at it with a positive perspective. For me, it is just a part of life now. It is incredibly satisfying to make a delicious meal that I can feel good about. If you don't plan many meals now, don't try to go cold turkey because it will probably fail miserably and then you will forget the whole thing. Start SLOW. Don't buy too much produce that will go to waste if it's not used. Try to plan one or two meals at home each week. Heck, try to make one of them vegetarian or vegan too. Explore. Try new things. Try new vegetables. Try a CSA or Farmer's Market in your area. Don't get in a rut. Don't keep doing the same things as before because that will only get the same results.
Do you plan meals each week? What is your strategy?

subset: commoncrawl


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The Tap Pre-Show: See the Last Bison perform 'Switzerland' in our studio
The Last Bison is a family affair. Actually two families. Frontman Ben Hardesty's father Dan does the banjo and mandolin, with Ben's sis Annah on bells and percussion. Andrew Benfante handles reed organ and the melodica, and brother Jay is on drums and percussion. Then "honorary relatives" Teresa Totheroh (Annah's best friend) plays violin, with Annah's boyfriend Amos Housworth on cello.
With their talents combined the Virginia folk revival act has made one of my favorite songs so far this year "Switzerland," appearing on its debut album "Inheritance" for Republic Records (home of the Avett Brothers and Of Monsters and Men). The combination of whimsical xylophone and banjo, the beauty of violin and cello, and the gruff passion of Ben Hardesty's voice really gets under my skin. »Read Full Blog Post
Marquette University students release Greg Kot documentary: 'Never Too Loud, Never Too Old'
Several Marquette University students, including Francesca Reed and Elle Gehringer, recently premiered their video documentary about Greg Kot, longtime Chicago Tribune rock music critic and author of several books on musical subjects, including the excellent biography "I'll Take You There: Mavis Staples, the Staple Singers, and the March Up Freedom's Highway."
Greg and I have been friends since we were Marquette classmates in the late 1970s. Reed, Gehringer and their colleagues interviewed me for their video, which was honored at 2014 Diederich College Student Film Festival for its spectacular editing. It's a crisp 11 minutes and 20 seconds: »Read Full Blog Post(1)
Documentary team revisits end-of-life planning conversation
Terry Kaldhusdal and Michael Bernhagen used their first documentary to encourage people to have the difficult conversations about the measures they want taken at the end of their lives.
"Consider the Conversation: A Documentary on a Taboo Subject" was shown roughly 600 times on public broadcasting stations throughout the country and had a role in the Wisconsin Medical Society's decision to launch a statewide initiative to make advance care planning a standard part of patient care. »Read Full Article(1)
Suburban Bourbon begins serving dinner in Muskego
It began serving drinks at its bar a couple of months ago, and the Suburban Bourbon in Muskego is serving food as of today.
The bar and restaurant is at S76-W17745 Janesville Road; it formerly was High Tide pub and Williams Supper Club before that. »Read Full Blog Post
American Craft Beer Week gains more local participants
There's a powerful thirst out there.
On the heels of Milwaukee Beer Week, today is the opener for American Craft Beer Week. In addition to previously announced beer news, brewers and taverns are adding more events. »Read Full Article
Hank the Brewers dog to greet fans
Hank the Brewers dog is back in the fan game.
The pup has scheduled a public appearance Wednesday at Miller Park when the Brewers take on the Pittsburgh Pirates. »Read Full Article
Bumper crop of local talent in national TV spotlight
The rain has brought forth a bumper crop of regional talent on national programming.
Besides Kenosha native Mark Ruffalo starring in HBO's "The Normal Heart," May 25, the following average-citizen types turn up on network and cable offerings. »Read Full Blog Post
Bourbon & Tunns has closed in the Third Ward
The restaurant and bar Bourbon & Tunns and its second-floor Palms Events space, 221 N. Broadway, have closed permanently, said co-owner Andrew Maricle.
He said the businesss never fully recovered after a fire in December 2012, which broke out only a few weeks after the restaurant had been remodeled and given a new name and focus. The restaurant had been Palms Bistro & Bar since its opening in 2002, although it changed hands in 2007. »Read Full Blog Post
'Jack of Spies' author David Downing visits Milwaukee Friday
Carole E. Barrowman raves about David Downing's new novel, "Jack of Spies," in her Paging Through Mysteries column for the Journal Sentinel this coming Sunday. Since Downing plans to visit Milwaukee's Boswell Book Company on Friday, here's a sneak peek at Carole's review:
David Downing has been operating exceptionally well in John LeCarre country for a while with his series of WWII spy novels named after Berlin train stations. With "Jack of Spies" (Soho Crime, $26.95), Downing treads into fresh territory, the rising nationalist movements in Europe and Asia, including Ireland and India's independence movements, leading up to WWI. Under the guise of selling luxury cars to emperors and kings, Scottish born Jack spies for "piecework" for the fledgling British Secret Service. Claiming to be "a sad sack of linguistic skills," Jack is actually a genius at languages. After an incident in a brothel with one of his sources, he flees China. Along the way, he falls for an Irish-American journalist and suffragette whose Brooklyn family may have ties to the Irish Republican Army. As I was reading, I kept thinking this novel would be terrific theatre – Masterpiece, that is. »Read Full Blog Post
Where to see 89 free outdoor concerts in Milwaukee this summer
Milwaukee County Parks announced the full line-up of its free summer music series Monday morning, announcing 89 free concerts--from national touring artist Nick Waterhouse to BoDeans co-founder Sam Llanas to local pop rock favorite Vic and Gab, at Boerner Botanical Gardens, Cathedral Square, Humboldt Park and other locations.
For more information, visit countyparks.com and search "free concerts," or call (414) 257-7275. »Read Full Article
Netflix will not pick up canceled 'Community'
Variety reports that Netflix will not be picking up "Community."
It was announced Friday that NBC had canceled the ratings-troubled but creatively clever and critically acclaimed anti-sitcom created by Milwaukee native Dan Harmon. »Read Full Blog Post(6)
Top of the Charts: John Legend gets first No. 1 hit
After weeks of trying, John Legend finally ended Pharrel Williams' 10-week hot streak at the top of the Billboard Hot 100. Watch the video for our new chart-topping champion below and then look back in time to see which songs were the biggest in the land this week in 2004, 1994, 1984 and 1974.
No. 1 hit May 12, 2014 »Read Full Blog Post
Watch trailers for new fall shows: NBC
I hate to pre-judge shows I haven't seen yet, but this first raft of trailers, from shows NBC will be airing this fall, have a seen-that quality.
Judge for yourself. And see a complete list of fall programming on all networks in my story in today's Journal Sentinel. I'll post more of these from each network as they appear. »Read Full Blog Post
On Tap Today: Theater in the city and Youngblood Brass Band in Greendale
Goodbye, weekend. Hello, work week.
To smooth things out a bit for the week ahead, might we recommend a couple of diversions? »Read Full Blog Post


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Houston, TXUSA
August 20, 2012
Hmmm... Never thought about... Superman I guess because I Love to fly and travel
Liger... Strong, Friendly, socialable
Scooby-doo or Snoopy
Hi my name is Roxie...
Warm and Excellent!!! I had a Great time for my first meetup. Thank you for having me and Merry Christmas to all :-)
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Voting RepubliCANT is like voting to slice America's collective throats. With a grapefruit spoon. Thank you The Fifth Column.
Categories: Politics
والسلام عليكم Unapologetic Negro Anon Warrior. I Fight For The Oppressed Forgotten Masses: #Iran #Africa #WestPapua #Iraq #Palestine #Yemen #Syria #Afghanistan
Voting RepubliCANT is like voting to slice America's collective throats. With a grapefruit spoon. Thank you The Fifth Column.
Categories: Politics
Unbelievable! My heart goes out to that poor woman. Such insensitivity is beyond comprehension.
Such insensitivity is John McCain AND the TeaTardedRepubliCANT Pseudo-Freudian Psycho-Sexual Secret-Whore Pro-caucasian Pro-Racist Anti-LGBT Anti-Feminist Reich Wing GOPretender Conselfishservative NRAsshole-Gun Loving Nut Bag racist white supremacist caucasian Party.
I hate John McCain, honestly I do.
How have you been?
I'm okay, thanks. Not getting nearly enough writing done, but that's probably always the case. How about you?
I can't complain about much. I'm good, and I'm spending way too much time blogging. 😯
I hear ya! I only post about once a week, but I have a terrible time keeping up with the reading. My writing is paying the price. I don't know how you manage! I haven't been able to find the balance.
Well I am retired, and have time on my hands when not volunteering, so It's easy for me to find a balance. Always remember that real life is far more important than blogging. You're taking care of your family and yourself. 😀
Yes, you're right. The blogging comes so much more easily to me, but I might have to lighten up on that a little if I'm going to finish this novel in less than seven years!
Well congratulations on the novel writing, and lets get it finished before I die of old age, so i can read my signed copy!!!! 😀
Oh, you got me smiling, JB! I'm on it! Try to hang in there a while longer, okay? Jut don't hold your breath!
Well, if I don't make it, just burn a copy, signed by you, and add it to my urn, so when I'm cremated, I'll have something to read. 😆
That must've been shockingly painful. I can't imagine someone being that insensitive, eventhough it's clearly stated how he spoke to them.
McCain is a first class asshole who is now a first class senile asshole.😆
That's about the size of it. How's it going in the Windy City?
It's good down here in Florida, Chicago is way too cold for me, remember I dropped my laptop in the gulf a few weeks ago?
Oh, I didn't know you were still there. You're right below me.
Be here till it's warmer up north.


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Myrna Loy
Myrna Loy(August 2, 1905 – December 14, 1993) was an American actress. She was originally typecast in exotic roles, often as a vamp or a woman of Asian descent, but her career prospects improved following her portrayal of Nora Charles in The Thin Man (1934). In 1937, she was crowned the "Queen of Hollywood" by a nationwide poll.
Silent film star Myrna Loy. One of the most beautiful people I have ever seen.
Myrna Loy 1920's. She is so pretty. I think she might be one of the reasons I love The Thin Man series so much.
Myrna LOY (1905-1993) * AFI Top Actress nominee > Active 1925–82 > Born Myrna Adele Williams 2 Aug 1905 Montana > Died 14 Dec 1993 (aged 88) New York City, Surgical complications > Spouses: Arthur Hornblow, Jr. (1936-42 div); John Hertz, Jr. (1942-44 div); Gene Markey (1946-50 div); Howland H. Sargeant (1951-60 div) > Children: none. Survived breast cancer, had two masectomies.
Myrna Loy. She is one of my most favorite actresses.
Myrna Loy quote (photograph: young Myrna dancing a la Isadora Duncan, c. 1920s Scanned from: Myrna Loy: Being and Becoming
Myrna Loy More
Myrna Loy
After The Thin Man: William Powell and Myrna Loy
My style icon...Myrna Loy in the Thin Man series


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School zones, highways and residential streets are all typical places where the Speedzapper sniffs out speeders.
But now you can add a brand new location to the list of places zapped.
The alleyway north of Yucca Avenue in McAllen is the backdrop for this week TMs call 4 action.
Dave Olsen said drivers speed way above the 10 mile per hour posted limit and use the road as a shortcut to either 6th or 2nd Streets despite the alley designed a no thru traffic zone by the city.
Click on the video link to see who gets zapped and how Olsen wants the city to better safeguard taxpayers in Action 4 TMs Ryan Wolf TMs Streets of Speed weekly report.


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You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
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"My fiance and I fell in love with these invitations because of the beautiful trees. The invitation was simple, yet perfect to describe to our guests the feel of our wedding. The invitations turned out beautifully. I gave the Design 4 stars only because there isn't room to add much else - so the wording you see is really all that will fit (which in reality, is probably a good thing so that the invitation doesn't get too cluttered.)"
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Filename: helpers/wcr_helper.php
Line Number: 1795
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One of Thomas Dalton Bambury's goals as a director/producer/actor and jack-of-all-trades in the local theater community is to build an even bigger fan base for American playwright Christopher Durang. At the 2011 Helderberg Theater Festival, he directed "The Durang Hour," and in this summer's event, once again at the Indian Ladder Farms in Altamont, "The Durang Hour" is back by popular demand, according to Bambury. "I am a huge fan, and it went over so ...
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Fly Fishing DVD - LEFTY KREH ON FLY CASTING
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Brian Wilson, Jeff Beck co-headlining Riverside Theater
The full-scale Beach Boys reunion may have been a short-lived occassion, but Boys' co-founder Brian Wilson is still keeping part of the old band together--and roping in a two-time Rock and Roll Hall of Famer.
Wilson, and guitar master Jeff Beck, famous for his work with the Yardbirds as well as his own accomplished solo career, are co-headlining a fall tour that will stop at the Riverside Theater Oct. 30, a venue spokesman announced Monday morning. »Read Full Article
Next Act gives wings, radio style to 'It's a Wonderful Life'
Imagine a Milwaukee without its musicians and dancers, its singers and actors, its highly reputed symphony and its world-class theater. It would look a lot more like Pottersville, that mean-spirited burg of cheap thrills and third-class entertainment that greets George Bailey before his great awakening.
Such were my thoughts Friday night as six veteran Milwaukee-based actors tugged at my heartstrings for the second straight year, in Next Act Theatre's reprise of "It's a Wonderful Life," as transformed by Mary MacDonald Kerr into a 1957 radio play, coming straight to us from the studio of Milwaukee's very own WNAT. »Read Full Article(1)


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Dr. Catherine J. Ash
email@example.com (517) 706-5009
Okemos Public Schools: Dr. Catherine Ash joined the Okemos Public Schools in August of 1996 as Director of Human Resources. She became Deputy Superintendent in 2003, assuming additional financial responsibilities. Dr. Ash served as Interim Superintendent for the 2010-11 school year upon the retirement of the district's superintendent. On November 8, 2010, the Okemos Public Schools Board of Education formally appointed Dr. Ash as the superintendent of Okemos Public Schools.
Dr. Ash is a recipient of the 2010 Commitment to Excellence Award sponsored by the Okemos Education Foundation.
Professional: Prior to arriving in Okemos, Dr. Ash's career in education began at Eaton Rapids High School, where she taught math and biology for seven years. She also coached various teams including varsity softball, and junior varsity volleyball and basketball. Her first administrative position was as an assistant principal at Hastings High School from 1992 to 1994 and then DeWitt High School from 1994 to 1996.
Education/Certification: Dr. Ash received her Bachelor of Science degree from Central Michigan University. Her undergraduate major is mathematics and her minor is biology. She continued her education at Michigan State University, earning her Master of Arts degree in K-12 Administration and her Doctoral degree in Education Administration with a cognate in Labor and Industrial Relations.
Dr. Ash possesses both a Michigan Secondary Continuing Teaching Certificate, as well as a Michigan Administrator Certificate.
Professional/Community Involvement: Throughout her career, Dr. Ash has been an active member of various professional organizations including Michigan School Business Officials, Capital Area School Business Officials and Michigan Association of Secondary School Principals. Currently, she is an active member of Michigan Negotiators Association, Michigan Association of School Personnel Administrators and Michigan Association of School Administrators. Dr. Ash also serves on the Okemos Education Foundation Board, and is a member of the Haslett-Okemos Rotary Cub.
In her spare time, Dr. Ash enjoys spending time with family (including her dog Alyx) and friends. Other interests include reading, backpacking, golfing, boating, running, traveling and the Indianapolis Colts!
The Journey Towards Cultural Competence Continues!
We actually started this "intentional" journey towards cultural competence and a responsive school environment two years ago! Our district made a conscious commitment to create a "culturally competent and responsive school environment where students, staff and community recognize, embrace, celebrate, appreciate and value the diverse attributes and identities of each other." As a diversity enhanced school district, we need to examine and reflect on our relationships, curriculum, instructional strategies, policies and practices to promote the academic, social, emotional and behavioral success of every child.
Creating a culturally competent and responsive school environment has been and continues to be a focus. This year, we are taking this conversation to another level. We want to ensure that as individuals and as a system, we are responding respectfully and effectively to children of all cultures, languages, socio-economic backgrounds, races, ethnic backgrounds, disabilities, religions, genders, sexual orientation and other diverse attributes in a manner that recognizes, affirms and values the worth of each person in our district and community.
The concept of "promoting the success of every child" is multifaceted. We recognize that to realize our goal of promoting academic growth for all of our students, our efforts must include creating culturally competent and responsive school environments. As we work to eliminate achievement gaps, it's not just about multi-tiered systems of support. While that is a critical component, there's more! Our intervention model must be accompanied by cultural competence!
Gary R. Howard's book, We Can't Teach What We Don't Know: White Teachers, Multiracial Schools (2006), he utilizes the "Achievement Triangle: Dimensions of Knowing" to explain how to address the achievement gap and educational equity. In reality, these concepts apply to all diverse attributes, not just race and socio-economics. The triangle identifies three dimensions of knowing: my "self", my students and my practice. In depth knowledge of all three, through the lens of culture, is critical to promoting the success of all.
Culture controls our behavior in deep and persisting ways, many of which are outside of our own awareness and beyond our conscious control. Regardless of our background, each of us has a "cultural lens" or values, norms and traditions which affect how we, as individuals or as a particular group, perceive, think, interact, behave, and make judgments about our world. Knowing my "self", involves reflection and gaining a deep sense of our own identity. We must acknowledge and embrace that our cultural views are not absolute! Through an enhanced level of self-awareness, we can understand how our unconscious biases affect our interactions with students, parents and peers.
In our opening day session with staff, our keynote speaker, Dr. Dorinda Carter Andrews encouraged us to ask and reflect:
How does my social location (gender, race, class, religion, sexual orientation, age, etc…) shape my mind set about teaching/learning, the students I serve and the practices I engage?
What more do I need to know, that I don't know around culture, power and difference?.
How can I be a more culturally conscious person?
As a school community, we all need to ask these questions of ourselves. To be agents of personal or organizational change and to make improvements in the system, we must first examine our role and function within it. Life in general and school in particular is not the same experience for everyone.
As we engage in these courageous and often emotion laden conversations, it's important that we have shared norms to guide our work. As a district, we have committed to the following norms:
Open and honest communication - Speak your truth.
Stay engaged.
Be inclusive of all voices.
Allow yourself to experience "discomfort" - This often leads to positive and impactful growth.
Expect to be misunderstood.
Seek to understand - Genuinely listen; Ask questions, of yourself and others, especially if you feel "defensiveness" starting to surface; It's not personal!
Take risks.
Practice forgiveness - Assume good intentions; There are no judgements in these conversations. It's more about the fact that we just don't know what we don't know!
Expect and accept "non-closure" - It's a journey!
Please join us in making a commitment to examining our own values, assumptions and behaviors; consciously building our cultural competence and responsiveness; engaging in courageous conversations; demonstrating our continued commitment to helping all of our students experience success; examining our schools' and district's policies and practices; creating a system and a community that allows all students to thrive, to reach our high expectations within an environment that breaks down the barriers.
I am grateful that we have the trust, the mutual respect and a shared vision for the success of all of our students, allowing us to engage in these courageous and sometimes emotional conversations, to truly impact the "system". Our culture of collaboration and "together" will certainly serve us well, as we consciously engage in this transformative work. It's not personal, but it is imperative!
Note: Dr. Dorinda Carter Andrews and Ms. Teresa Bingman, Esq. will be facilitating our efforts as we move towards a more culturally competent and responsive school environment. Dr. Carter Andrews is an associate professor in the Department of Teacher Education at Michigan State University where she teaches courses on racial identity development, urban education, critical multiculturalism, and critical race theory. Ms. Teresa Bingman is founder and CEO of THE BINGMAN GROUP, LLC. She is an attorney with expertise in program and policy, as well as developing outreach plans, strategies, and plans of action designed to enhance organizational operations.


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Telecom operator Cellcom Israel Ltd.'s (NYSE:CEL) fourth-quarter net income grew 11.5% year over year, primarily driven by strong demand for content and value-added services.
The company reported earnings of NIS271 million ($72 million), or NIS2.75 (73 cents) per share, compared to NIS243 million ($64 million), or NIS2.48 (66 cents) per share in the year-ago quarter. The result also came in ahead of the Zacks Consensus Estimate of 69 cents derived from 5 covering analysts.
Total revenue logged a growth of 4.3% to NIS1.64 billion ($434 million) from NIS1.57 billion in the year-ago period. The increase was mainly the result of 1.5% increase in revenue from services to NIS1.45 billion ($383 million) coupled with a 30.4% growth in handset and accessories revenue to NIS193 million ($51 million).
The expansion in Cellcom's service revenue was primarily the result of a 26.0% growth in content and value added services, including SMS, revenues partially offset by airtime price erosion as well as lower roaming revenues caused by a slump in tourism.
Cellcom added 33,000 net new subscribers during the quarter with total subscriber base reaching 3.292 million, while subscriber churn rate (turnover rate) improved 50 basis points ((bps)) to 4.8%. Average revenue per user (ARPU) for the quarter recorded a decline of 2.7% year-over-year to NIS143 ($37.9) mainly due to low roaming revenues and airtime price erosion.
Cellcom's gross margin expanded 220 bps year-over-year to 48.3% as cost of revenues during the quarter remained essentially flat at NIS847 million ($224 million), compared to 848 million in the year-ago quarter as a drop in roaming expense and royalties to the Israeli ministry of communications was offset by higher equipment costs and interconnect fees.
Selling, marketing, general and administrative (SG&A) expenses increased 6.6% to NIS371 million ($98 million) primarily due to a higher sales commission, employee recruitment costs as well as increased bad and doubtful debts related expense. However, growth in revenue and gross margin more than offset the increase in SG&A. Consequently, operating income grew by 7.4% to NIS419 million ($111 million) from NIS390 million in the year-ago period.
In the reported quarter, Cellcom generated free cash flow of NIS271 million ($72 million), compared to NIS366 million ($97 million) in the year-ago period. During the quarter, the company utilized NIS223 million ($59 million) towards capital expenditure and NIS257 million ($68 million) towards dividends.
Meanwhile, the Zacks Consensus Estimate on Cellcom's earnings for 2010 reduced by a penny over the past month to $3.04 per share as 1 of 7 covering analysts lowered expectation. At $2.94 per share, the most accurate estimate is even bearish and indicates a downside potential of 3.3%, compared to the Zacks Consensus Estimate.
Cellcom is a leading cellular provider in Israel in terms of subscribers, and offers a broad range of value-added services including cellular and landline telephony, roaming services for tourists and additional services such as, music, video and mobile office.


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Theta Supernova Explores Four-Figure Price Point
Theta's Casablanca surround preamp-processors sell for $17,000-30,000. By that standard, the new Supernova is more accessible at less than ten grand. If you squint you'll see the USB jack which serves two purposes: room correction and a 24/192 DAC for your computer audio fix. Shipping third quarter of this year.


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Someone should post this to www.reddit.com under r/ppcoinThis is just like the top reddit post in r/bitcoin.
Due to recession more citizens turn homeless and jobless. However, if you're already seniors and want some recreations or small business, you can have it. Federal Government set this reverse mortgage eligibility under the Federal Housing Authority where they provide unique benefits for their clients. Source: Check this out.
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realmagick.com The shrine of knowledge.
Arnold Rothstein Murder
A selection of articles related to arnold rothstein murder.
Original articles from our library related to the Arnold Rothstein Murder. See Table of Contents for further available material (downloadable resources) on Arnold Rothstein Murder.
- Celtic Gods and Heros: Introduction to Celtic Mythology
- Youngsters of school age almost effortlessly learn about the gods and heroes of Greek and Roman mythology. Names like Zeus, Hercules, Diana, Ulysses, Mercury, Venus, and others become widely familiar. Paintings, popular movies, and books trace their stories...
Deities & Heros >> Celtic, Welsh, Irish & Brittish
- Hyperspace Reality
- Despite the fact that the 'new' physics, a godchild of the Einsteinian revolution has taught us that the Universe we perceive is a mere shadow of a vastly more unpredictable one, most of us still view the world in a distinctly materialistic way. A world where...
Modern Science >> New Physics
- King James Bible: Luke, Chapter 23
- Chapter 23 23:1 And the whole multitude of them arose, and led him unto Pilate. 23:2 And they began to accuse him, saying, We found this fellow perverting the nation, and forbidding to give tribute to Caesar, saying that he himself is Christ a King. 23:3 And...
New Testament >> Luke
- The Twilight of the Celtic Gods
- The Milesians, according to myth, were the first Celts to settle in Ireland. This group was named after the eight sons of Mil (some texts say King Milesius); these Gaelic peoples, the myths report, came to Ireland from Spain. Ironically, the first phase of...
Saga of Times Past >> Legend and Prehistory
- Dynamics & Bioenergetics Of OBE Sex
- Once the exit out-of-body has been mastered and projectors begin tentatively exploring their new environment, another natural barrier will soon raise its ugly head. As projectors begin expanding their horizons they will soon begin encountering other...
Astral Projection >> Out of Body Experiences
Arnold Rothstein Murder is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Arnold Rothstein Murder books and related discussion.
Suggested News Resources
- 9 Things You May Not Know About Bugsy Siegel
- Siegel later met and befriended future crime boss Meyer Lansky during his teen years, and together the two formed the Bugs and Meyer Mob, a gang that dabbled in robbery, gambling and murder.
- 'Vinyl' Season Premiere Recap: Rock and a Hard Place
- Well, here's an expensive-looking HBO drama in which Al Capone, Lucky Luciano, and Arnold Rothstein are all major players — knock yourself out! It took until the bugfuck climax of the show's second season, which boasted enough ...
- Arnold Rothstein, gambling giant is assassinated in 1928
- (Originally published by the Daily News on November 5, 1928.) Arnold Rothstein, called the maharajah of gamblers because he was regarded as having the power of life and death over his subjects, met the fate he always feared last night.
- 'Boardwalk Empire' Returns Without Rothstein
- While the time jump served to forward the show's plot, it meant one major figure would be missing: By 1931 Arnold Rothstein—real-life gangster and one of Boardwalk's most fascinating characters–had already been assassinated.
Great care has been taken to prepare the information on this page. Elements of the content come from factual and lexical knowledge databases, realmagick.com library and third-party sources. We appreciate your suggestions and comments on further improvements of the site.
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A London-based father tells Channel 4 News a young boy featured in an Islamic State video nicknamed Jihadi Junior is his grandson.
Sunday Dare said he had seen an image of his grandson Isa from the video. "He's my grandson. I can't disown him. I know him very well," he said.
"He's propaganda. They are just using a small boy. They are just using him as a shield."
Mr Dare, from Lewisham, south London, is the father of Grace (Khadijah) Dare, who is living in Syria. She left London and married a Swedish jihadi fighter, Abu Bakr, who is now dead.
They, and the boy, featured in footage exclusively obtained by Channel 4 News from the American Muslim convert and film-maker Bilal Abdul Kareem and first broadcast in 2013 (watch video below).
It is not possible to immediately verify whether the two children in the videos are the same person, but they bear a striking physical resemblance and would now be roughly the same age. In the footage from Idlib province, Ms Dare shoots a Kalashnikov for the camera and then fires off a revolver.
'Face the music'
Mr Dare said his daugher should return to Britain to "face the music". He said she had called him from Syria "weeks ago", having "brought shame" on the family (watch the interview below).
He said he had reported her to the police on three occasions before she left for Syria and told them "she's behaving in a very funny way". "They told me she's free," he said. "They said she's above 18."
The Muslim convert, who grew up in a Christian Nigerian family, had told him she was going to Egypt to study and when he found out she was in Syria, "I dropped the phone on her because I was annoyed".
In the IS video, the boy, who looks four or five, issues threats against "the unbelievers" in English. The video, which shows five people being murdered, is now being examined by the British security services.
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Article Tags
UK security services examine IS murder video04 January 2016


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Japenese policeman fired for accidentally leaking data over P2P
A Japanese policeman has lost his job for accidentally leaking confidential information via peer-to-peer
This Article Covers
Risk management
A Japanese policeman has lost his job for accidentally leaking confidential information via peer-to-peer
(P2P) file-sharing software installed on his PC.
According to reports, the fired policeman worked for the Metropolitan Police Department in Tokyo, which confirmed recently that personal information regarding 12,000 people related to criminal investigations had been distributed across the internet from the officer's PC.
Your exclusive guide to CIO trends
A collection of our most popular articles for IT leaders from the first few months of 2016, including: - Corporate giants recruit digitally-minded outsiders to drive transformation - Analytics platforms to drive strategy in 2016 - Next generation: The changing role of IT leaders.
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The police officer had installed the Winny file-sharing software on his PC, and did not know that confidential data was being made available to other users via the P2P network.
About 6,600 police documents are said to have been compromised, including interrogation reports, statements from victims of crime, and classified locations of automatic licence plate readers.
Among the files was a list of the names, addresses and personal information concerning 400 members of the notorious Yamaguchi-gumi yakuza criminal gang.
The officer had claimed, in an internal survey taken before the leak, that he was not using the Winny P2P software on his PC.
Graham Cluley, senior technology consultant at web security software firm Sophos, said, "It is no surprise that the Japanese police have taken a hard line against this officer for disobeying advice about not running P2P file-sharing software - the authorities have been trying to enforce a ban following a number of similar embarrassing incidents in the past."
The authorities may also hand out disciplinary action to some of the officer's superiors.
In May 2006, it was reported that a virus had leaked Japanese power plant secrets via the Winny network for the second time in four months.
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Unauthorised laptop software causes security breach at Pfizer >>
Mobile phone engineer fired for file sharing >>
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Read more on IT risk management
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InfoSec Europe 2012: A look at IT security skills in the current climate
Tim Wilson, deputy head of ICT at NHS City & Hackney, on ISO 27000 compliance
Input from the business vital to risk management in infosec, says CISO for Steria UK


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The AirFlow Breeze is available in two colors, Almond and Brown. The AirFlow Breeze Register Booster Fan is not meant to replace your existing cooling or heating system; it is simply a way to boost your heating and cooling system's performance. The AirFlow Breeze Register Booster Fan is ready to be placed in the existing vent opening. To operate, simply select "heat" or "cool" and turn the knob to warm or cool. The fans will begin to run at your select speed setting. Once you set your target comfort level, the built-in temperature sensor takes over. It directs the AirFlow Breeze Register Booster Fan to pull extra warm or cool air out of weak registers, increasing airflow and delivering comfort. By improving the airflow from your existing central heating and cooling system, the AirFlow Breeze provides an affordable alternative to window air conditioners and space heaters. Buy your AirFlow Breeze Register Booster Fan from ActiveForever today! AirFlow Breeze Booster Fan Features: View more
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i have two air flow breezes-i used one in my son's room this winter and it worked great! i purchased another one this summer for my master bedroom and it has been very disappointing. It never runs! For whatever reason, the cold setting won't run. I want to see what happens this winter to see if the heating unit kicks on as well as the one does in my son's room.Review by Michelle Brandstetter on 08/01/2013 1:00 PM
Works just like I wanted it to.Review by Joan Atkins on 08/01/2013 1:00 PM
Rated 4 for now. Installation was a breeze (these were installed in ceiling registers). They are about as quiet as the cooling fan in a PC. Waiting till the winter months settle in to see if they help keep the upstairs rooms warmer.Review by Richard Brooks on 08/01/2013 1:00 PM
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You don't must be scared of cash advances. Prior to applying for one, it is essential to completely understand how payday cash advances work. Keep reading to reduce any fears about payday cash advances.
Know what sorts of fees you'll have to pay back when you are getting a payday advance. It is recommended to do it before they begin to accrue, while you might not would like to wrap your face around all the numbers. Ask the organization for written proof of all fees you will certainly be liable for. Accomplish this before submitting the loan application, so that it will never be necessary that you can repay a lot more in comparison to the original amount borrowed.
Make sure that you understand just what a pay day loan is before you take one out. These loans are normally granted by companies that are not banks they lend small sums of money and require almost no paperwork. They typically need to be repaid within two weeks, even though the loans are available to most people.
Before you apply to get a payday advance have your paperwork in order this will assist the financing company, they are going to need proof of your earnings, so they can judge what you can do to cover the money back. Handle things just like your W-2 form from work, alimony payments or proof you happen to be receiving Social Security. Make the most efficient case easy for yourself with proper documentation.
Call the money company, and lodge a complaint, if you realise yourself stuck with a pay day loan that you cannot pay back. Almost everyone has legitimate complaints, regarding the high fees charged to prolong cash advances for another pay period. Most creditors will give you a deduction in your loan fees or interest, but you don't get in the event you don't ask — so be sure you ask!
Always consider different loan sources ahead of using a payday loan. Provided you can borrow from a member of family, secure a bank loan or maybe a bank card, it is better to your pocketbook. Pay day loans charge higher fees than any of these alternatives.
Consider online shopping to get a payday loan, should you must take one out. There are numerous websites that supply them. If you require one, you happen to be already tight on money, so why waste gas driving around attempting to find one which is open? You do have the choice of performing it all through your desk.
Keep in mind how you will get penalized for producing your late payments. Sometimes things appear, although you may plan to pay your loan by the due date. This means you have to know exactly what the contract entails. The late fees to get a payday advance can be quite high.
It is essential that you obtain copies of all of the loan terms and relevant documents before signing a legal contract of any kind. You will find cash advance websites which are scams.
You have to remember that they could put your banking account in danger of overdraft, although not just do you have to worry about the interest and fees rates connected with payday cash advances. When they will not obtain a monthly payment promptly, some lenders will charge yet another fee.
When looking to get a pay day loan would it be better to check around. There is tremendous variation in fees and interest rates from one lender to another. You might find a location seems good, but there might be someone much better on the block. You should always do thorough research prior to getting a payday loan.
Will not obtain a pay day loan when you have already taken out one, and you have did not pay that company back. Although you will need money very badly, your history implies that this type of loan is just not for yourself.
When you are looking for a pay day loan company, make sure that you check out several business before settling on a single. Should you compare the fees and interest percentages, you will notice that they differ from company to company. Ensure that they are certainly not compensating for lower interest, by charging extra fees in some other way.
When taking out a payday advance, it is crucial that you do your research. You may not desire to blindly believe an ad, since you usually are not getting the entire story. Speak with other people who have got out this particular loan. Alternatively, read a number of the company reviews on the net.
Whenever obtaining a payday loan, make sure you understand that you may be paying extremely high interest rates. It is advisable to borrow money from someone instead of taking out a pay day short term loans. Though you might still must take out this type of loan, you should be aware about this fact.
Will not let advertisements lie for your needs about payday cash advances some finance companies do not have your greatest fascination with mind and definately will trick you into borrowing money, to enable them to charge you, hidden fees and a extremely high monthly interest. Will not let an advertisement or a lending agent convince you decide all by yourself.
Those of you looking for quick approval on a payday advance should submit an application for your loan at the beginning of a few days. When you apply with a Friday, you possibly will not visit your money until the following Monday or Tuesday, many lenders take 24 hours for your approval process, and.
Although the cost of getting a payday loan is not really cheap, it only causes large concern when you may not spend the money for loan back punctually. Despite having sky-high rates of interest, typical payday cash advances are due in one or two weeks. This will not provide lots of time for large quantities of interest to accrue. If you cannot afford to spend the money for loan back in time, however, the interest turns into a big, expensive problem.
Now you have educated yourself, you may make the best decision about your pay day loan. Putting off a payday advance is not required, since they are normal to obtain. Hopefully, you are more informed and can make a better decision.


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2000 Jeep Grand Cherokee Tailgate Lock Actuator
Part Number: AM-11587076
This is a Power Tailgate Lock Actuator that mounts inside the rear hatch. It is designed to REPLACE a broken or missing power tailgate lock actuator.
- Fits inside the rear hatch or tailgate
- Replaces dealer part number: 5018479AB
- Electric operation
- Correct electrical connection
- Direct bolt on
- Built to strict quality control standards
- Designed to correct earlier failure problems of the original units
- Correct for Grand Cherokee Models only
This power rear hatch lock actuator is a great replacement and has good cost savings over a dealer power door lock actuator.
10 Year Warranty
Effective June 23, 2014: This item is backed by a 10 Year Warranty. In the event this item should fail due to manufacturing defects during intended use, we will replace the part free of charge (excludes shipping charges) for the original purchaser.
Please note: Any modifications to an item of any kind before contacting us will void any and all warranty coverage for this item. Please contact us before modifying the part so that we have the opportunity to correct the situation.
This part replaces:
- Dorman 746-260
Vehicle Fit
- 1999-2004 Jeep Grand Cherokee Tailgate Lock Actuator
Please help us make certain we are selling you the correct part by confirming the year, make and model of your vehicle:
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Read an Excerpt
His wife?
How could she have forgotten something like that?
Someone like him?
Belinda eyed the silent stranger standing beside her father at the foot of her hospital bed. Tall, and looking as if his designer clothes were just a little too large on his frame, the stranger stood with his left hand in his trouser pocket, his right hand resting on the knob of a shiny black cane.
She didn't even know his name. How could she be married to him and have no knowledge of it? Fear choked her throat.
His glittering green eyes never left her face. An intangible thread of somethingwas it anger?burned just below the surface. His expression remained inscrutable. The hard lines of his face spoke of an iron willthis was not a man who tolerated fools.
Her breath hitched. She didn't know himhow could they expect her to go home with a total stranger? Belinda cast a frightened look at her father. The smile he returned seemed strained; the lines on his face deeper than usual. Suddenly her desire to be released from her room here at Auckland City Hospital fled, and the place she'd itched to be free of assumed proportions more in line with a much-sought-after sanctuary.
A disturbing thought occurred to her.
"If you're my husband why haven't you been here at my side, like my parents have? It's two weeks since I came out of the coma." Her challenge rang hollowly across the room.
Belinda intercepted a glance between her father and the man who claimed to be her husband, saw the imperceptible nod her father gave.
"Well?" she demanded, her hands fisting in the bedclothes.
"The accident that took your memory also caused me injury. I am fit to returnhome now. With you."
There was a great deal he wasn't saying, and what he left unsaid caused her more anxiety than the realisation he too had been hospitalised. She'd been treated with kid gloves by the medical staff and her parents since she'd regained consciousness, everyone prepared to give her medical answers but nothing else. Not even the details of the accident that had left her in a coma for four weeks. Throughout the past two weeks of tests and examinations, her doctors had tried to find the cause of her amnesia and had come to the conclusion it was not a direct result of the blow to her head that she'd sustained in a car accident. She'd overheard the words "traumatic amnesia" and "hysterical amnesia" being discussed in low tones.
The last had made her shudder. Did that make her crazy, she wondered, that she chose to forget a part of her life that for anyone should have been full of excitement, fun and passion? Or did she have good reason to want to forget?
She looked again at the stranger. The slightly less-than-perfect fit of his clothing now made sense if he had been stuck in hospital. Had he been too incapacitated to see her? Did a lengthy stay in bed explain his gauntness? She had no doubt that he was the type of man who paid attention to every detail, and that under normal circumstances his clothing would conform to his body as if tailor-made.
Another thought skittered through her mind. Had they timed her release to coincide with his? Protest flared inside.
She'd been railroaded.
"No, I won't do it. I won't go home with you. I don't even know you!" Her voice sounded shrill, panicked.
The stranger's eyes narrowed, a muscle worked in the side of his jaw.
"I'm Luc Tanner, you are Belinda Tannermy wife. Of course you'll come home with me." He nodded in her father's direction. "Do you think your father would allow you out of his sight if I was a threat to his precious child? Rest assured, you know me well."
There was an undercurrent in his tone she couldn't quite nail, but it was enough to send a shiver down her spine. She shook her head slightly to rid herself of the sensation. What the strangerLuc, she corrected herselfsaid made sense but a cautionary niggle played at the back of her mind.
"Why can't I go home with Dad? At least until my memory returns." She was grasping at straws, and she knew it.
"And if your memory never returns? Are we to forever forget our marriage? Our vows to each other?"
There was a thread of steel in his tone that sent a chill through her. It was a good question. What if she didn't get her lost months back? And why, when she could remember so much else, could she remember nothing of their courtship, their marriage? The love they'd supposedly shared.
A spear of something else shot through her body. Had they been intimate? They must have been, even now her body warmed to his with a physical recognition her mind refused to accept. He was a very attractive man despite that air of aloofness he wore like a warrior's mantle. A flush of heat suffused her cheeks as she studied his featuresthe slightly shadowed line between cheekbone and jaw bisected by a thin pink scar, the straight blade of his nose, the sensual curve of his lips. Had they lain together, delighted in each other's scents, reactions, pleasure? Had she clutched that short-cropped sable-coloured hair as she'd held him to her body?
The stranger's voice was like the sensual stroke of velvet across her skin as he changed tactics in the face of her refusal to go with him. "Belinda, I know you're afraid, but I'm your husband. If you can't trust me who can you trust? We will work through this," he cajoled gently. "And if your memory never returns, we will make new memories."
New memories. Why did the very thought strike dread into her heart?
She shot an imploring look at her father. "Dad?"
"You'll be fine, my sweet. Besides, you know your mother and I had planned to travel for a bit. We postponed the trip because of the accident. Now that you and Luc are well again we can set our plans back on track. Go home with Luc, honey. Everything will be all right."
Was it her imagination or were her father's words just a little too emphatic?
"The doctor has seen fit to discharge you. It's time for you to come home." Luc held out his left hand to her, a hand that bore a glint of gold on his ring finger. A ring she'd supposedly put on him while declaring her love for him before witnesses.
Belinda was suddenly aware of her own naked hand. There wasn't even so much as a dent in her skin to show where a ring had encircled her finger.
"Ah, yes, of course. Your rings." Luc slid his hand inside the breast pocket of his jacket and extracted two rings. He limped forward to the side of her bed. "Let me."
His fingers were surprisingly warm to the touch. They curled about her hand in a gentle, yet undeniably possessive grip. Something perverse inside her encouraged her to pull from his touch. As if he anticipated her action his fingers tightened as he helped her to her feethis grip holding her hand captive.
He slid the platinum band, inlaid with baguette-cut white diamonds, onto her ring finger. As the overhead light caught the sparkle and fire in the stones, Belinda fought to control the tremor that quaked through her body, the sensation of having been branded Luc Tanner's property. A shocking sense of déjà vu swamped her as the image of Luc placing the ring on her finger in another time and place filled her mind. A remembered thrill of excitement and anticipation surged through her.
She fought to hold on to the impression, the fleeting consciousness of her lost months, but it dissipated as quickly as it had come, leaving her feeling empty and alone.
Belinda became aware of Luc's long fingers sliding another ring on her finger, bringing it up over her knuckle to nestle against the wedding band. The radiant-cut blue-grey diamond burned with cold fire, the shoulders of its setting decorated with smaller baguette-cut white diamonds. She gasped aloud at the size and beauty of the stone.
"Did did I choose this?"
Luc's dark brows pulled together, making him appear even more formidable than before. "You don't remember this, either? For a moment I thought you did."
Somehow he'd sensed her flash of memory when he'd put on her wedding band. The implication of how well he understood her was unnerving, more unnerving perhaps than even the knowledge that she couldn't remember a single thing about him.
"No," she replied on a whisper. "I remember nothing."
"I commissioned the ring for you the day I met you."
"The day we met? But how...?" Belinda looked up at him in surprise.
Luc's gaze held hers. "I knew from that day you would be my wife."
Her laugh sounded forced, even to her ears. "And did I have any say in the matter?"
"Belinda." He pronounced each syllable of her name with care, making it sound like a caress. "You loved me before. You will love me again."
He lifted her hand to his lips, and pressed a kiss against her knuckles. His lips were surprisingly cool and an unexpected quiver of longing spread through her. What would it feel like if he kissed her? Would that unlock their past, the memories entrapped within her mind?
Luc drew her to his side, the imprint of his body heat seeped through her light clothing and deeper, to her skin. She pulled away, just enough to break the unnerving contact that had already sent her pulse into an erratic beat. His body felt unfamiliar, yet she was drawn to him at the same time. Surely if they had been married, been intimate together, she would have some physical memory imprinted in her psyche?
"The helicopter is waiting. We can't obstruct the hospital helipad for any longer than absolutely necessary."
"Helicopter? We aren't driving? Just how far are we going?"
"Tautara Estate is southeast of Lake Taupo. Perhaps being back there will assist in triggering a memory for you."
"Lake Taupo, but that's almost a four-hour drive from here. What if...?" Her voice trailed away helplessly. What if, indeed? There'd be no one there to help her if the fears that plagued the edge of her consciousness became more than she could bear.
"What if ?" Luc prompted, his lips a thin implacable line across his face.
"Nothing." Belinda dropped her head slightly, allowing the fullness of her hair to cover her face, to hide the sudden tears that stung her eyes. Everything inside her screamed that this was wrong, but she couldn't, for the life of her, remember why. The doctors had told her her memory should return in time, that she should stop trying to force things, but right now the black void in her mind threatened to overwhelm her.
"Then let's go."
Belinda walked two steps with Luc then halted, her sudden stop sending him slightly off balance. She noticed he used the cane to regain his stability. Was he fully recovered himself? She already sensed it was a question she couldn't ask, sensed he was too proud to admit to physical failure or weakness. Pulling from Luc's hold, she turned to her father, holding her arms out for a hug.
"I'll see you later, then, Dad. You'll give my love to Mum?" She searched his face once more for any inkling of why she felt as if she'd been shucked off like last year's haute couture, but he refused to fully meet her gaze. Instead he wrapped her in his arms and held her as if he'd never let her go.
"Yes, I will. She wasn't up to today's visit but we will see you soon," Baxter Wallace said, his voice thick.
"Baxter." Luc's voice cut through the air with the precision of fine steel, and her father's arms dropped to his side.
"Go on, darling, everything will be all right. Just wait and see," he urged.
"Of course everything will be all right. Why wouldn't it be?" Luc tucked Belinda's arm in the crook of his and guided her out the door.
Later, as the helicopter lifted from the pad, Belinda tried to remember why she'd been so excited when the doctor had told her she'd be discharged this afternoon. Now she felt anything but. She had nothing with her but the clothes on her back and the rings on her fingerrings that felt as foreign to her as the man who was her husband. She didn't even have so much as a pair of sunglasses to ward off the sharp late-summer-afternoon light.
She cast a glance forward to her husband who sat next to the pilot in the cockpit. Her husband. No matter what they said, he was a stranger, and deep in her heart she knew he'd remain that way for a long, long time.
You loved me before. You will love me again.
His words echoed in her mind and as they did it occurred to her he'd said nothing of his feelings for her. Not one word of love had passed his lips from the moment she'd set eyes on him. The realisation sat like a cold ball of lead in the pit of stomach.
Relief poured through Luc's aching bones as his Eurocopter Squirrel neared Tautara Estateso named because of its position on the hilltop overlooking a small tributary river to New Zealand's largest lake. He conciously fought to stop himself from rubbing his hip to ease the ache of sitting in the confines of the cockpit of the helicopter. He'd accepted he was unable, at this time anyway, to pilot the craft himself. His recovery from the broken hip and torn spleen had taken longer than expected when a bone infection had delayed his rehabilitation.


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District of Pennsylvania Torts - Property Cases
Truth in Lending Cases, Dockets and Filings
Cases filed
Cases 1 - 10 of 289
SNEAD v. NATIONSTAR MORTGAGE LLC et al
as 2:2016cv00602
Plaintiff: SONIA SNEAD
Defendant: NATIONSTAR MORTGAGE LLC , U.S. BANK NATIONAL ASSOCIATION , MILSTEAD & ASSOCIATES, LLC
Cause Of Action: Fair Debt Collection Act
WATSON v. CHESTER COUNTY NISSAN, LLC et al
as 2:2016cv00571
Plaintiff: DOROTHY WATSON
Defendant: CHESTER COUNTY NISSAN, LLC , JOHN D. STRATTON , JOHN DOE
Cause Of Action: Truth in Lending
PANICHELLE v. GATEWAY MOTORCARS, INC.
as 2:2016cv00192
Plaintiff: JOSEPH PANICHELLE
Defendant: GATEWAY MOTORCARS, INC.
Cause Of Action: Truth in Lending
Walsh v. Summers et al
as 3:2015cv02122
Plaintiff: John R. Walsh
Defendant: William C. Summers, John Reuther
Cause Of Action: Federal Question: Other Civil Rights
BOLLAND v. BSI FINANCIAL SERVICES, INC.
as 2:2015cv01091
Plaintiff: DONALD C. BOLLAND
Defendant: BSI FINANCIAL SERVICES, INC.
Cause Of Action: Notice of Removal
Russell v. Fed Loan Servicing
as 1:2015cv01277
Plaintiff: Melody Russell
Defendant: Fed Loan Servicing
Cause Of Action: Fair Credit Reporting Act
GREGORY v. METRO AUTO SALES, INC.
as 2:2015cv02601
Plaintiff: RODNEY GREGORY
Defendant: METRO AUTO SALES, INC.
Cause Of Action: Truth in Lending
ANDRESS et al v. NATIONSTAR MORTGAGE, LLC et al
as 2:2015cv01779
Plaintiff: KIMBERLY ANDRESS , GEORGE ANDRESS
Defendant: NATIONSTAR MORTGAGE, LLC , BANK OF AMERICA, N.A. , JOHN DOES 1-10
Cause Of Action: Truth in Lending
HORAN et al v. VERANO et al
as 2:2015cv01785
Plaintiff: JAMES HORAN , HEATHER HORAN
Defendant: JOHN VERANO, FRONTGATE FINANCIAL, LLC, PACIFIC UNION FINANCIAL, LLC and others
Cause Of Action: Truth in Lending
BENNETT v. GREENSKY TRADE CREDIT LLC et al
as 2:2015cv01068
Plaintiff: RICHARD BENNETT
Defendant: GREENSKY TRADE CREDIT LLC, BATH PLANET OF CENTRAL NEW JERSEY , NATIONWIDE BUILDING AND REMODELING
Cross_claimant: NATIONWIDE BUILDING AND REMODELING
Cross_defendant: NATIONWIDE BUILDING AND REMODELING , BATH PLANET OF CENTRAL NEW JERSEY , GREENSKY TRADE CREDIT LLC
Cause Of Action: Truth in Lending
Disclaimer: Justia Dockets & Filings provides public litigation records from the federal appellate and district courts. These filings and docket sheets should not be considered findings of fact or liability, nor do they necessarily reflect the view of Justia.


text:
Skillset for Attack Minstrel (Self-Sub)
View Single Post
Lord of the Ceilings!
Join Date: Jun 2008
Location: In your ceiling~
Posts: 6,819
iTrader: (
IGN: RandomPerson
Class: Saint
Level: 195
Guild: FrenchBread
1. its really up to you. in the end ES is perfectly fine, however if you get knocked out of it youre pretty much screwed until the cool down is reset. with water skills you have a bit of leeway for different situations. you can also airskill if you have magic concentration, which is handy. personally id get them
2. for buffs you should get
voice of water spirit (water damage buff)
voice of heart (hp buff)
performance of harmony
performance of rest
group guitar heal (or only up to self heal III, its up to you. im not sure if group guitar has more heal than self heal though)
3. for the buff tree it really doesnt matter (well except the heal tree lol) but you should get elemental protection at the least. the left tree is magic damage and the middle tree is magic crit. whichever you like more you can get
4. masteries increase magic acc, heal percent, and water stat. you should most likely max up to expert regardless if you get water magic or not (since fortissimo and ES will benefit from it). highest is up to you, but i guess only if you have spare SP
5. uh no idea what the stats are on them. i think java guitar since it has water on it? if you can give me the stats i can help better xD
6. id go with sta or luck. if you care about the damage from the full set bonus then go with magic, but it prolly wont make too much of a difference since the glasses have both types of TDD
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By Mark D. Bern, CPA CFA
Let me begin by pointing to a detailed explanation of the strategy that can be found in my previous article. As you will see in the conclusion of this article, you may be able to collect in excess of nine percent annually in cash while holding Qualcomm (NASDAQ:QCOM). If you find the returns mentioned in this article intriguing, I suggest that you take the time to understand the full strategy by reading that prior article.
First, we need to answer a question: I could apply this strategy to numerous other companies' stocks, so why did I choose Qualcomm to write about? Qualcomm is a leader in wireless technology. My other favorite stocks in the technology sector are Intel (NASDAQ:INTC) (see my earlier article), Microsoft (NASDAQ:MSFT), IBM and Applied Materials (NASDAQ:AMAT). The company's primary source of revenues stems from its code division multiple access (CDMA) technology which has been adopted as the standard technology in most mobile devices around the world. When you hear about 2G, 3G, 4G, etc., what is being referred to is the generation of CDMA technology being deployed on the towers, cell phones and other mobile devices. Qualcomm owns the patents on the technology platform upon which most the mobile communication is based. So, when a company produces a chipset that uses the CDMA technology, it must pay a royalty to Qualcomm to sell its product. And each new generation creates a new standard which, in turn, is patented, thereby extending the life and value of the patented technology. At least, this is how I understand it. I expect to continue to see new generations of CDMA mobile technology at fairly regular intervals. With the growth of mobile technology applications and devices, I feel confident that Qualcomm has a long way to go before its growth flattens much more. Owning patents on a technology that has been adopted as the standard for most of the world is what I call a sustainable advantage. In order to dethrone Qualcomm, a competitor would need to develop a better technology, convince all of Qualcomm's customers that they need to make billions of dollars in investments, and then get it adopted as the standard. And all of that would need to be accomplished without a large-scale example of how it works.
Qualcomm pays a dividend of 1.8 percent currently and has raised its dividend every year since the company began paying dividends in 2003, or for eight consecutive years. Dividend increases over the past five years have averaged 16 percent. The last raise was for 13 percent on April 7, 2011 and I expect the company to continue their trend of rising dividends well into the future with a strong likelihood of increases of at least ten percent each year. I also expect their earnings to continue to rise by about 15 percent per year.
Qualcomm derives 87 percent of its revenues from outside the U.S. As owner of the global standard in mobile technology, Qualcomm is well positioned to take advantage of global economic growth no matter where it occurs. The company also has a healthy balance sheet with a debt to equity ratio of just five percent, which is well below the industry average. Its capital structure provides ample flexibility for future investment in research, capacity and acquisitions when and where prudent.
The company has a profit margin of 29 percent and its return on equity is a reasonable 36 percent. Both well above industry averages. When you add the expect growth in earnings of 15 percent to the current dividend of 1.8 percent you end up with an expected return of nearly 17 percent compounded annually. Not bad, but I think we can do better.
If you could increase your cash flow to eight to ten percent per year instead of just 1.8 percent, would it make waiting for the eventual appreciation worthwhile? Let me show you how.
The closing prices on Qualcomm stock and selected options on September 30, 2011 (the last business day prior to my submission of this article; I always use closing prices to be fair) were as follows:
Stock price: $48.63
November Put; $45 strike $2.03
November Call; $52.50 strike $1.75
The assumption in these articles is that we want to own the stock of the subject company (Qualcomm) but would prefer to buy it at a lower price and collect some income on our cash while we wait for our target price to materialize. If the stock offers a good value at its current price of $48.63, then it should offer an even better value at a price that is eight to ten percent lower. So, we sell one November $45 Put for $2.03 and collect the premium of $203 or $194 net after a $9 commission (assumes that we use a discount broker). Thus far we have 4.0 percent return on our cash for less than two months. This equates to an annualized rate of return of 47.8 percent.
However, since we cannot assume that the opportunity to sell an option will be available every month, or 12 times per year, I propose that we make an adjustment to the methodology used to calculate the annualized rate of return. Instead of assuming that we can lock in that return for all 12 months, let's assume that we can only find reasonably priced options that cover ten months out of each year when dealing with shorter term options (less than three months to expiration). The reason is quite simple. Even though most of the stocks we'll discuss in my articles will have options available nearly every calendar month, some months do not have adequate trade volume to assure good trades. Also, every stock used in my articles will have options trading at least quarterly with adequate volume. Therefore, we can assume that if we sell options with expirations of three months or greater that we can do so consistently throughout the full twelve calendar months, while shorter durations will require an "adjustment." Simply put, if we sell an option that expires in one month, we will assume the rate is available for ten months or simply times the premium by ten to annualize our rate of return. Similarly, if we sell an option that expires in two months, we will make the same assumption and times the premium by five to annualize our rate of return. This way, if we have errors, they should be on the conservative side, meaning that we may actually do better in the real world rather than worse.
Applying this method to the $194 net premium collected, the annualized rate of return would be 19.9 percent. I don't think I will get much argument about that sort of return on cash sitting in an account while we wait for a bargain. Where else can you get a nearly 20 percent annual rate on cash for a one-month holding period?
But, of course, we want to own the stock so if it drops down below our strike price of $45 we could end up being put the stock at that price. At that point our cost basis would be $42.97. I like Qualcomm better at this price than at $48.63. That's a discount from the current price of 11.6 percent. I like buying stuff on sale, especially investments.
Now, let's assume that we already own 100 shares of Qualcomm stock and would like to increase the yield. We do this by selling cover call options. Since we own the stock in our account, to be entitled to the IRS treatment I mentioned above, we must sell the calls in the same account and be "covered."
We sell one November $52.50 Call at a premium of $17.5 per share, or $175. Again, we have to subtract the commission on the transaction of $9 (we have to use a discount broker to make this work well) and end up with a net of $166. Using the annualizing method I explained in an earlier paragraph, this equates to an annual return of 17.1 percent. Now don't forget that if you own the stock you are also receiving the dividend, and Qualcomm's dividend yield is currently 1.8 percent. Add the two yields together and we now receive18.9 percent yield on the stock. And this is if we bought it at the current price of $48.63. Just imagine what the return will be when we buy the stock on sale using the put option strategy! Or follow along over the next two years (or at least a few months) to see what the real-time results would be.
Watch for the update on Qualcomm during late November or early December. The title will be something like "Enhanced Income Strategy: Qualcomm Update #1".
If this hasn't made sense and you need a better explanation of the details of my strategy please refer to the original article I published on September 21, 2011.
I have chosen to keep all the subsequent articles shorter by referring back to this article for details and explanation.
One last item that I would like to add to this article that is different from my previous articles. Some of the comments to my previous articles have been extremely enthusiastic. I am pleased. Yet, I also believe that I must include a warning in all my subsequent articles to make sure that everyone understands that there are risks to every strategy, including this one.
First, as has been pointed out in the comment threads, there is always the possibility that the selling puts strategy may not result in the purchase of the desired stock in a rapidly rising market. An investor could miss most, if not all, of a run up. It is doubtful that the full run will be missed, however, since the market (including most stocks) correct by 10 percent or more usually once or more per year. For that reason it is likely that the investor will purchase the stock at some point during a bull market, but they still may miss some portion of it (perhaps a large portion, especially in a bounce off a major bottom). On the positive side of this equation is the fact that as most major bottoms occur there is usually a day of capitulation. Capitulation days are generally heavy down days on which, if one has sold puts outstanding, the investor stands a good chance of being put the stock (purchasing at the bottom). There are no promises of that happening, but the odds are better under this strategy than following ones gut emotions. One other thing that helps offset the possible regret of missing a stock at a good price is that the seller of the puts will continue to earn a decent return on their cash (generally 8-10 percent on average) annually while they wait. Granted, that is not as good as hitting a 30 percent gain in a good year, but it sure beats sitting in a money market and earning zip.
Second, as has also been pointed out in the comment threads, it is possible to end up buying a stock when the stock market tumbles and having to ride it out to the bottom. If the investor is buying a stock in a company that they want to hold for the long term, at least with this strategy they will never buy at the very top. After all, we're selling puts at a price of about ten percent below the price when the put option is sold. In addition, the investor has the opportunity to sell calls and, including dividends, receive an average of 8-10 percent in cash payments per year while they wait for the stock to rebound. If we have done our homework in picking a good company at a price that represents a good value, then the likelihood of a rebound is very strong. The only way to end up losing money is by selling the stock. If you hold, you're getting paid well to do so and eventually you'll be back in the money. If the investor had purchased the stock outright at the top of the market and the market fell 50 percent, they would be down 50 percent at the bottom and need the stock to double just to get even. If they are selling calls all the way down, assuming the average length on most bear markets is about 17-19 months, the investor should have collected somewhere in the vicinity of 15 percent along the way, putting them down 25 percent at the bottom. Remember, you bought at ten percent below the top, using puts, so you couldn't lose the full 50 percent in any event. Now you only need half as much of a rebound to get even.
The third scenario is the worst case. If an investor sells a put near the top and ends up with the stock at a 10 percent discount from the high and rides in all the way down to the bottom, collecting dividends and call premiums along the way. Now you are down 25 percent and you end up selling a call that gets exercised near the bottom and the stock is called away. But remember, you are selling calls that will net you about ten percent above the stock price at the time the option is sold, therefore you should be selling at no less than ten percent off the bottom. That would result in a total of a 15 percent loss on the total of your transactions. Now compare that to most alternatives other than picking the tops and bottoms, which no can do consistently.
An alternative to riding a stock down is to use stop loss limit orders. I recommend that investors consider using this strategy to save themselves the pain of riding a stock down during an overall market crash. Some long-term investors with low cost basis may not want to use this strategy due to the tax consequences.
The point is, while this isn't the most lucrative strategy, it does bear less risk of loss than most alternatives. By taking most of the emotions out of the decision process, an investor improves their chances of producing consistently higher returns. And that is the whole point. I hope this explanation helps cure some of the over-enthusiasm. This is no get rich quick scheme. It is simply a systematic strategy that can help investors achieve market-beating returns over the long term.
Thanks for reading and I wish you all a successful investing future!
Disclosure: I am long QCOM, IBM.


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Neoseeker : Aevers : Collections : Silent Hill: Downpour
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