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Restoring America's financial independence, one client at a time.
A Fully Integrated Approach
With both CPAs and Certified Financial Planners®, we coordinate
financial strategies with Tax Planning and Estate Conservation.
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Follow a couple's journey as they discover what is required for them to enjoy retirement without running out of money.
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LFS Updates
Tax & Finance
My Opinion on "Brexit":
Britain's citizens voted yesterday to exit the European Union, that explains the significant market selloff today. But rather than exiting the market, investors may consider it a great buying opportunity. If you keep a watch list of great company stocks that you'd like to own, this can be the chance to pick up some world-class dominator businesses at a discount. You see, I think the selloff to be short-lived. Why? For one thing, the U.S. doesn't do that much business with Britain. According to financial data firm FactSet, S&P 500 companies make just 2.9% of their sales from Britain… and 11.5% from all of Europe. So outside of some potential short-term volatility, the selloff is not expected to last. Remember Warren Buffett's words of wisdom: "Be fearful when others are greedy and to be greedy when others are fearful". The market is fearful today.
John Lau
How to Play Defense in Today's Market Environment
When the market tanked in late August last year, I sent out a blog on August 24 outlining the strategies during market selloffs. The following day, August 25, I sent out another blog "Capital is finite. Opportunity is infinite". Accordingly, we had moved 60% – 70% of our portfolio values to cash back then. I also put a small position in an inverse fund ProShares Short S&P 500 ETF (SH). This fund is up 6.09%1 so far this year. Between allocation to cash and the inverse ETF, we have substantially lessened the impact of the market's volatility in recent days. In the days and weeks ahead, I will continue to play defense to possibly increase allocation to cash and add more inverse funds to our portfolios. You can read my earlier blogs by scrolling below or clicking here and here.
In this current market, my goal is wealth preservation and risk management. Don't lose sight of the big picture and let emotions get the better of you. We are sticking to a carefully disciplined approach, and we are doing everything we can to stay in the game.
We're in this together and my team and I will be with you every step of the way.
To your health, wealth, and happiness,
John Lau
1Yahoo Finance, 1/15/2016
12 Days of Financial Tips
As the air begins the chill, and the preparation for Christmas is underway, this is an intuitive time of year to take inventory, to reflect and to plan. I have composed an educational series called, "The Twelve Days of Christmas" with strategies to help you move forward to 2016 with hope and confidence. Read Day One –>
Secured Portal
New web feature: the Client Portal. Accessible at the top right of any page of our website, the Client Portal is a page where you can securely log in to your personal account to view documents related to your account from LFS or to upload your own documents.
If you already know your log in credentials from our SmartView program, you're good to go – just use those same credentials on our Client Portal. Get started
If you do not have log in credentials, or you don't know your SmartView credentials, you may email us to request your username and password to be sent to you. Once you have received your credentials, visit the Client Portal on our website or click here. Read More ->
Final Budget Bill Dramatically Changing Social Security Claiming Options
It is a good thing that Congress and the White House has worked out their budget deal to avoid a government shutdown. The bill has now gone to the White House for President Barack Obama's signature.
Among other changes, the bill has made sweeping changes to Social Security claiming rules for retirees surrounding the Restricted Application and the Voluntary Suspension. Joe Elsasser, CFP® and Creator of Social Security Timing, summarized the changes in the following:
- Changes to Restricted Application
- Changes to Voluntary Suspension
These changes necessarily require adjustments to the social security claiming strategies presented in my recent seminar. During this transition period, we will make the necessary changes to apply the right set of rules in order to ensure that our clients are able to get the most they are eligible for under the new law. We will continue to post notices on our website and email all users as changes are made. Read More ->
Four Signs to Tell When the Bull Market is Back
The equity market has been moving higher in recent sessions. It therefore begs the question: is it time to move back in?
As I wrote in my Q-3/2015 portfolio review report, we have about 50% of our portfolios currently in cash. Some may wonder, when will I get back into the equity market. Are we missing the upside by continuing to stay in cash, and for how long?
Let me explain… Read More ->
Teaching the Next Generation of CPAs about Financial Planning
The managing director of LFS Asset Management joined with Thomson Reuters for a two-hour continuing education webinar.
BURLINGAME, California–September 22, 2015–John Lau, author and advisor, presented a two- hour continuing education webinar to a nationwide network of CPAs through mass media and information firm Thomson Reuters (TRI) at 10AM this morning. Read More ->
Capital is finite. Opportunity is infinite.
Many of our positions got stopped out at the close of yesterday's market. And today, we are seeing a sharp bounce back.
Does it matter? Nope.
What matters is that we take the professional investor's approach by sticking to our guns, follow a disciplined investment strategy and don't look back.
We will liquidate the positions that were stopped off yesterday, take profits, and keep the powder dry for now.
Our focus now is capital preservation. We absolutely cannot afford to let happen a total disaster.
We have to survive in order to thrive.
You will be getting trade confirmations on our sells today.
Capital is finite, opportunity is infinite.
We will take our lumps and wait for the next opportunity.
Strategies During Market Selloffs
Trading last Friday and this morning are some of the nastiest I've seen in a long time. For many, the immediate instinct is to run for the hills. I totally understand that, and you won't be alone if you do. The angst is palpable and there are a lot of jangled nerves out there at the moment. But there's the thing – running for cover may feel good in the short term, but doing so is counter-productive to building Total Wealth. Selloffs are part and parcel of eventual market gains, although they don't always FEEL that way. That is why it is important not to panic…rather, to calmly evaluate what's happening while deliberating making our next steps, and to have a defensive strategy. According to my defense playbook, I am putting the following actions in play this morning:
- A few of our holdings have triggered their stop losses. For these positions, we will sell this morning. They include Apple, Berkshire Hathaway, IBM, and Walmart (all blue chip stocks). Proceeds from sale will stay in cash for now.
Thanks to STS, many of these positions will still be sold at a gain despite the current market selloff.
- These are great stocks, so I will be watching for the proper re-entry points. Once they are determined, I will sell PUTs against them for more income while waiting for the stocks to hit their re-entry prices.
- Meanwhile, I will use inverse funds to counter potential continuing market declines. Inverse funds are funds designed to short the market. The two inverse funds that I will use are DOG (PtoShares Short Dow 30) and FXP (ProShares UltraShort FTSE China 50). I will allocate no more than 6% to these funds (3% each) with very narrow stops just in case the market turns positive. The strategy is like telling a flu patient to take two aspirins and get plenty of rest.

subset: commoncrawl


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Not for the gym – this is strictly for walking, not running...
With Kim K doing wonders for the bottom, Debenhams promise to boost your ass(ets) with their new jeans.
Whether you're looking for a gorgeous gift for someone or on the hunt for a Christmas party dress, Black Friday deals could save you money
A friend close to the star told the Sun: "She thinks it would seem very odd to have the two other girls without Peaches by her side too"
The singer defended American Vogue magazine for using Kim and Kanye West as their covershoot interview
Around 12 million shoppers – a million more than last year – are expected to hit high streets and malls today in a £2.5billion spending spree
The store's Life Made Fabulous ad features designers Julien Macdonald, Henry Holland and Jasper Conran
It has extended some of the ranges by getting its stable of Designers for Debenhams to branch out from their original areas
Going to the shows is SO last season, bag a front row seat here - but still wear heels though, right!?
Wrap up for less at Debenhams, which has slashed 30% off coats.
FUN-loving Brits are set to keep the "ho ho ho" in Christmas with a £21billion shopping splurge.
A DEPARTMENT store price war has been sparked between Debenhams and John Lewis.
DEBENHAMS will create 4,000 jobs by opening a wave of new stores and ramping up the refit of existing ones.
Stunning Kim Johnson is 20 years younger
They're not just for covering up wine stains - a throw can bring a comfy feel to any room..
Cash Queens
Department store Debenhams has launched an all-out price war in a £250 million high street blitz.
In association with DEBENHAMS
Chic but so cheap
In association with DEBENHAMS STYLING THE NATION
Live Cricket (Sky Sports 1, 4.30pm)
Retail industry bosses figured highly in the honours list with Marks & Spencer chief executive Stuart Rose getting a knighthood.
HOLLYWOOD'S leading ladies look sensational in glamorous designer outfits - all available from the high street at a fraction of the cost.
MORE than 20,000 Debenhams workers are sharing a #15million jackpot in an early Christmas present from bosses.
SHOPPERS are being tempted by never-ending sales as high street stores battle for customers.
IT is, potentially, the most useful invention since the dishwasher - a box-of-tricks called the Phone Jammer.


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(Dikkat: Bu kitap, olumlu örnek oluşturabilecek davranışlar içerir!) Bu kitabı okumadan üniversiteye gitmeyin! Bu kitabı okumadan tatile de gitmeyin! Bu kitabın adına ister "Üniversitelinin El Kitabı" deyin, ister "Tatilde Ne Yapmalı?" deyin; ama önce size çok büyük değerler katacak olan bu anı kitabını okuyun.
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Anela Bay ~ Book Three ~ Evolution by Cheryl L. Hyde
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Passions soar, sex ignites, and romance blossoms amid mercenary assaults, ancient warriors, and dramatic rescues. As secrets and destinies reveal themselves, life is never dull or predictable for Kaylie and Max. But, reality and destinies can be tricky. An unknowing slip in time could change the destinies of Kaylie and Max, as well as the world we know.
That Moment... by C.C. Champagne
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Coven of Dixon Cliff by Cheryl L. Hyde
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"Geçmiş geleceğe kavuşsa, gelecek geçmişe sarılsa Stephen King ve William Shakespeare tokalaşırdı ve Zift-vari bir kitap yazardı." On tane birbirinden bağımsız, karanlık, katastrofik, paranoyak, zihin bükücü, her bir hikayenin başı, ortası, sonu hiç tahmin edilemeyen, sizi en kör noktanıza taşıyacak hikayelerden oluşan "bambaşka", "farklı" bir anlatım diline sahip bir kitap.
A Vampire in the Vatican 'Brotherhood of the Sword' by Linda Arditto
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Luciano Martinelli is fifty-two years old and an Inspector in the Vatican City Police. It's been an easy life for him until one day he investigates five murders, all taking place inside the Vatican. This starts his journey into a world of evil and deceit, of pagan rituals and murder. Larger sample is available in 'The Unusual Cases of Inspector Martinelli Book 1'.
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The Dark Gifts Inheritance by Willow Cross
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Encounter With Jesus Christ by R. Clarinda
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Citizen Gents Eco-Drive Chrono Perpetual A-T Alarm Watch
The Gents Citizen Chrono Perpetual A-T model has a PVD rose gold plate case and white touches on the brown dial. This fantastic and intelligent gents watch features date and month functions, chronograph ability, a tachymetre as well as radio control, The watch is powered with the Citizen Eco-drive movement.
About Citizen Eco-Drive
It starts with a simple, yet revolutionary concept: a watch that never needs a battery. Citizen Eco-Drive technology harnesses the power of light-from any natural or artificial light source-and converts it into energy.
About Citizen
Established in 1930, Citizen has promoted a multi-cultural mindset that fosters excellence and creativity. The very name of the brand conveys a deep respect toward craftsmanship and considered as familiar by citizens the world-over. So as a "citizen" of the world, we bear the responsibility to help cultivate a culture of positive change and on-going evolution through our craft. We take that mission seriously and steadfastly welcome what the future may bring.
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Total Passengers:1350
Ship Age/Refurbished:6 yrs ago
Crew to Passenger Ratio:2.33
Number of Decks:10
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Day in the Life of a Family of Six, Traveling Around the Worldby Stephanie Langford
Seeing as our family is currently traveling around the world for a year, one might think that our lives are never-ending adventure, a continual parade of exotic days, unimaginable experiences, and all around pretty darn romantic. Occasionally, that feels true... Read More
Weekend Links (hello from Argentina!)by Stephanie Langford
[caption id="attachment_21742" align="alignnone" width="550"] A lively, bustling street market in San Telmo, Buenos Aires[/caption] Hello again! It felt so strange to be away from the blog for almost 3 weeks, the longest blogging break I've ever taken. As many of... Read More
We're Going Around the World. Literally.by Stephanie Langford
Written by Stephanie Langford, Creator of Keeper of the Home I've been thinking about writing this post for so long, and yet now that I'm writing it, it feels surreal and I don't even know what to say. For the... Read More
What Does It Take to Change a Life?by Stephanie Langford
Though rather bleary-eyed from a day and a half of travel and far too few hours of shut eye (but thankfully enhanced by an amazing breakfast and stellar cup of coffee), our group headed off to the Compassion headquarters in... Read More
Updated! Spring Book Sale: Real Food and Healthy Homemaking eBooks 50% Off!by Stephanie Langford
Celebrating the fact that it's spring, the sun is beginning to shine (and green things beginning to grow), and most of all that in 5 short days I will board a plane that will take me and my hubby to... Read More
Frugality as a Means of Giving (and Meet Keeper of the Home's New Sponsor Child!)by Stephanie Langford
Why do you practice frugality? It's such a hot topic these days, how to save money and do more with less. We read about it, talk to our friends about it, put great amounts of effort into living it. What's... Read More
On Things That Bring Me to a Complete Loss For Wordsby Stephanie Langford
Words. I'm usually full of them. As I write this post, however, I am entirely lacking in the right ones that will tell you what I want to say. In fact, my usually steady heart now beats frantically with panic... Read More
Explore the Keeper of the Home CollectionHomemade Real Food Healthy Living Faith and Encouragement Keeping the Home Holidays Do It Yourself Natural Remedies Recipes
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Discover the world of the best Android apps with us
App4Smart lets you quickly find and check out the best apps for Android, Windows Phone and iOS. We write a review for each app, and rate it objectively on a 10 point scale. We also create collections of interesting apps to help you choose the best ones from many close competitors.
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Editor's Choice
- Shape Fold AnimalsSpil GamesShape Fold Animals for Android is a quirky puzzle game with its own unique dynamics. What you have here are some shapes joined together with little hinges, and you have to push and pull them all into the outline shape of an animal. What's cool about this ...Tariq Abdulla – 10/10
- Chronology - Time changesosaoChronology for Android is a platform puzzle adventure with an interesting twist. To navigate through the levels, you need to press a button to travel back and forth between two different times. In the earlier time, elevators work, plants are small, and structu...Tariq Abdulla – 9.0/10
- This War of Mine11 bit studiosDo you want to play a dark, grim and totally depressing game? This War of Mine for Android is pretty much the game to pick up then. Spending $15 might seem like a lot of money, but the same game retails on Steam for $19.99, though it does frequently go on sale...Brandon Girod – 9.9/10
- CaterzillarNoodlecake Studios IncCan we all agree that caterpillars don't get enough love and representation in gaming? The good news is that Caterzillar for Android features a pretty cool caterpillar as its main (and only) antagonist, and he's a gravity-defying, spider-stomping boss!Brandon Girod – 9.4/10
- Build Away!FutureplayIt's not everyday that I walk into a mobile game that I know nothing about and walk away with my mind blown, but Build Away for Android did just that. This is, perhaps, the ultimate mobile game. Of course, I'm joking, but if you've ever wondered what clicker m...Brandon Girod – 9.4/10
- Brothers: A Tale of Two Sons505 Games SrlIf you're into gaming, Brothers: A Tale of Two Sons for Android is probably a game you've already hear lots about. This was a game that took gamers by storm a few years back with the masterful way it combined it controls with the story. It was an emotional rol...Brandon Girod – 9.5/10
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Call it homecoming weekend — when local heroes moe. and Stefon Harris come home to play, and when Brian Patneaude sends new music out into the world by playing a gig here at home. Mighty moe. plays the Palace Theatre (19 Clinton Ave., at N. Pearl St., Albany) on Saturday, headlining in a venue they aspired to play while living off Western Avenue here in the mid-1990s and playing clubs and festivals. They haven't changed ...
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Winter blooms
Climate change is speeding up the return of leaves and flowers, but by just how much?
Striving to bring cosmic harmony to the vineyard
Biodynamic farmers may be following instinct rather than data
Frond this way: Lady Gaga's ferns
Does whimsy trump clarity when botanists name 19 new fern species after the pop superstar?
How not to talk about climate change
Did Obama choose the wrong words in his DNC speech?
Great green ideas awarded at SXSW Eco
The Austin, Texas, conference focused the spotlight on eco entrepreneurs
Sustainable tilapia farm comes to Baltimore
Local fishmongers now have a new city specialty
Reconstructing a disaster
A government report digs deeper into the 2010 Upper Big Branch mine explosion
Climate Mash 2011
Six years after Bobby Pickett wrote "Climate Mash," the world's environmental challenges are still frightening
Speaking for the trees!
A list of tree-related news and events
Wasted Food = Wasted Energy
Americans trash at least 27 percent of food.


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Clippers (17-8) vs. Dallas Mavericks (17-11) at American Airlines Arena, 5:30 p.m. PT
Five storylines to track:
1. Butler gets his ring -- Caron Butler may be the only active player on the Clippers with a championship to his name (after Chauncey Billups was lost for the season last week) but he still doesn't have his championship ring. That will change before the Clippers' game against the Mavericks on Monday night when Butler will be presented with his ring during a pre-game ceremony. Butler missed the final 53 games of last season with a ruptured right patellar tendon but he was a fan favorite in Dallas and an inspirational locker room presence during the championship run, according to Mavericks owner Mark Cuban. Butler will be joined by his wife, Andrea, and his three daughters, seven-year old Mia, 19-month old Ava and newborn Gia at the ceremony.
2. Historic road trip -- The Clippers are currently 4-1 on their 11-day, 6-game road trip and a win over Dallas would give them a 5-1 road record on a road trip of six games or longer for the first time in franchise history. The last time the Clippers won 4 games on a trip of six or more games was from Jan. 30 - Feb. 8, 2006. The Clippers went 4-2 on that trip. Since the 1989-90 season, that is the only winning road trip of six or more games for the Clippers. The Clippers have not beaten the Mavericks in Dallas since 2006 and had lost 10 straight to the Mavericks before beating them on Jan. 18. This year the Clippers have already snapped a 9-game losing streak at Denver against the Nuggets, a 16-game losing streak at Utah against the Jazz and a 9-game losing streak to the Orlando Magic.
3. Defensive focus -- There's no question the Clippers make headlines and highlight reels with their lob dunks but their success this season comes when they perform on defense. The Clippers are 9-0 this season when holding their opponents to under 90 points and are 13-2 when holding their opponents to under 100 points. The Clippers are also one of three undefeated teams this season when allowing 95 or fewer points. At the start of the season the Clippers were at the bottom of the league in rebounding and points allowed and are slowly working their way towards the top half. They are now 18th in points allowed and 23rd in rebounding. It's still nowhere near as productive as they are on offense, of course, where they rank 5th in points per game and 8th in assists per game.
4. Griffin's rise continues -- Blake Griffin's improved free throw shooting has continued during this current road trip. Over the last four games he is 22-of-27 (81.5%) from the foul line after averaging 49% prior to the road trip. His improvement from the foul-line only adds to what has so far been an unparalleled season for Griffin. He is the only player this season in the NBA averaging over 21 points, 11 rebounds and 3 assists per game. Since the introduction of the shot clock in 1954, only 8 different players (Wilt Chamberlain, Kareem Abdul-Jabbar, Bob Lanier, Artis Gilmore, Jeff Ruland, Charles Barkley, Karl Malone and Shaquille O'Neal) have finished a season with those averages.
5. Williams back on track -- After having a difficult homecoming against the Cleveland Cavaliers last week and losing his grandfather, Mo Williams had 9 points, 3 rebounds and 2 assists against the Charlotte Bobcats on Saturday. Williams arrived at the arena just before tipoff after attending his grandfather's funeral in Jackson, Mississippi. Williams' play off the bench this season is the biggest reason why Randy Foye and not Williams is starting for Billups. Williams is simply too valuable as a reserve and is a leading candidate for Sixth Man of the Year honors. This season, the Clippers bench has scored a total of 569 points and Williams, who is averaging 13.8 points and 3.6 assists, has accounted for 51.1% of those points. Williams is shooting 46.8% from the field this season, his best in four years.


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I got the idea from the Wilton Pan with the baby. Did a frozen butter cream transfer of the baby and matched the colors of the shower. Cake is Chocolate
Good job with the BCT.
Cute cake, great job on the FBCT!
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ARRIETTY (Madman)*. As with every Studio Ghibli offering, this new version of The Borrowers is an exquisite synthesis of the real and imaginary. Only animation of this pedigree is capable of rendering the fantastical – specifically, the microscopic world of tiny people – in shades of pathos and peril.
COMMUNITY: SEASONS ONE & TWO (Sony). Against the canned laughter of a dozen slavish sitcoms, Community is the most adventurous and auteurist of TV comedies. Its butter zone – meta-humour through the lives of low-functioning, community college-attending adults – is a thing of side-splitting genius.
ENLIGHTENED: SEASON ONE (HBO/Warner). Never mind the year's most talked about TV show, Homeland; HBO's underexposed comedy of self-destructive behaviour really deserves your attention. Co-creator Laura Dern, as a pathetic, rage-filled New Age sap, pulls off the impossible by making us root for her by the end of every episode.
LE QUATTRO VOLTE (Madman). Michelangelo Frommartino's wordless quasi-documentary about a shepherd, a goat and a tree in rural Italy has to be seen to be believed. It's a miraculous feat of minimalism open to the possibility of life becoming art – and a sheepdog receiving an Oscar nod.
MARGARET: EXTENDED CUT (Universal). The flawed ambition of Kenneth Lonergan's swirling Manhattan melodrama provides one of the headiest film experiences in recent memory. Lurching from one emotion to the next, it thrives on the performance of our own Anna Paquin, here giving a full-blown portrait of teenage hysteria that's utterly singular.
MYSTERIES OF LISBON (Rialto/Vendetta). This labyrinthine costume drama blows Downton Abbey out of the drawing room. A splendid tapestry of high pageantry and beautiful faces with an enthralling narrative woven through side streets and back alleys, it is a fitting monument to Raúl Ruiz's reputation as the most Proustian of all film-makers.
NEW YORK: A DOCUMENTARY FILM (Madman). As with Ken Burns's Baseball, brother Ric caresses the United States' rich social history through one of its major icons. Introducing New York as "the supreme laboratory of the American experiment", his magnificent PBS series goes on to affirm the ideal of public broadcasting – and remind us what we're missing out on closer to home.
PINA (Hopscotch)*. Wim Wenders's passionate homage to fellow German trailblazer Pina Bausch is proof that 3D can have artistic merit. An irresistible celebration of radical dance invention sprung from arresting locations, bracing performances and cinema's power to transform space and movement.
THE SUNSET LIMITED (HBO/Warner). The latest Cormac McCarthy adaptation is – surprise, surprise – despairing and apocalyptic, but also electrifyingly performed. Samuel L Jackson and Tommy Lee Jones wage a war of words at opposite ends of a moral, theological and philosophical discourse for the ages. Includes a rare audio commentary by the reticent author.
THE TRIP: THE COMPLETE SERIES (Madman). Steve Coogan and Rob Brydon have a lot to answer for: namely, the return of bad dinner party celebrity impressions. Their gastro-tour across Northern England is no Come Dine with Me, however, but rather a frequently hilarious self-portrait of showbiz insecurity and rivalry.


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Half of TV shows have violence, report says
A survey conducted the month after vice president Joe Biden's meeting in January with network television executives on TV violence showed that almost half of the shows monitored contained acts of violence, according to an Associated Press story.
According to the survey conducted by the Parents Television Council between Jan. 11 and Feb. 11, there were 193 acts of violence in 392 hours' worth of episodes monitored. »Read Full Blog Post(4)
Motley Crue's 'Final Tour' coming July 4
Mötley Crüe will play Summerfest 2014 in Milwaukee as part of what the hair-metal legends are calling the Final Tour.
The Crüe, with special guest Alice Cooper, will headline Summerfest's Marcus Amphitheater on Friday, July 4, the music festival announced Tuesday. »Read Full Article(12)
Casting Crowns; Rhonda Vincent; Iced Earth; Amy Ray; Laura Cantrell; the Autumn Defense
Casting Crowns »Read Full Article
On Tap Today: Get cooking (and baking)
Winter's the best time of year to stay in (the cold and all), but sometimes, you've got to go out so you can stay in more often.


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realmagick.com The shrine of knowledge.
Oldsmobile Oldsmobile Models
A selection of articles related to oldsmobile oldsmobile models.
Original articles from our library related to the Oldsmobile Oldsmobile Models. See Table of Contents for further available material (downloadable resources) on Oldsmobile Oldsmobile Models.
- This Shall Not Be!
- The pick makes a dull thump as it bites into the frozen earth. The grave needs to be about 3 feet deep. I hope the work will distract me from the night's coming events. Snow dances down from the darkening skies. As I dig, I take out some of my grief, my...
Paganism & Wicca >> Daily Life
- Survivalists' Guide for the New Millennium: Chapter 4
- THE TRANSFORMATION OF CATERPILLAR TO BUTTERFLY It is not difficult to see that the whole Agenda behind owning a bigger home, a newer car and more land is one of ego. This is an orientation toward the building of an empire of material wealth, in a vain...
Philosophy >> Survivalists Guide for the New Millennium
- Hypnosis: A Selected Bibliography
- Index of bibliography sections Selected Periodicals (14 entries) Edited Overviews of General Theories of Hypnosis (5 entries) Specific Topics Related to Research into Hypnosis. General single-author overviews, non-special-state views, social andexperimental...
Parapsychology >> Hypnosis
- Am I Damned?: Part 1
- (Excerpted from a planned website, much of this material has already appeared in answer to various questions on the boards, especially in General Earth Spirituality. I will attempt to redact it for this forum, as much of the arguments contained here are basic...
Religions >> Christianity & Paganism
- 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
- The Pagan Origins Of Christian Mythology
- The Judeo-Christian religions were founded in a region of the world where savior religions existed for thousands of years. Much of the symbolism and many of the stories in the Bible may be traced to earlier myths of the Persians, Egyptians, and other people...
Religions >> Christianity & Paganism
- Mutual Psychic Augmentation (GM8)
- The science of physics is delving ever nearer to Cause in nature, and away from a fascination with the mechanics of effect. In a technical way, wisdom is thus being approached by the Western mind. Scientific statements are becoming more like those of the...
Mind >> Telepathy and Group Mind
Oldsmobile Oldsmobile Models is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Oldsmobile Oldsmobile Models books and related discussion.
Suggested News Resources
- Top 10 Automotive Failures Carmakers Hoped You Forgot About
- That Pontiac Aztek is hardly the first car that caused people to recoil in disgust. Back in the 1930s, Chrysler developed a revolutionary new car that ...
- 2016 Detroit Autorama: Radical '39 Olds takes the Ridler, plus the 'Great 8
- Ultimately, only one car can take home the Ridler; this year it was Billy and Debbie Thomas' 1939 Oldsmobile Model 60 convertible, "Olds Cool.
- America's once magical — now mundane — love affair with cars
- The percentage of 19-year-olds with driver's licenses has dropped from 87 percent two decades ago to 70 percent last year. Most teens now do not get licensed within a year of becoming eligible, according to a study by the AAA Foundation for Traffic Safety.
- 2016 Detroit Autorama Ridler Awarded to a 1939 Olds
- While it's called a 1939 Olds 'vert the fact remains that the body is a handbuilt piece of art where styling cues where taken from a '39 Olds 'vert Model 60. The body rests comfortable on an Art Morrison Enterprise (Fife, WA) chassis.
- Classics on display at Geneva auto show
- The show also presented carmakers with the chance to show off some of their famous and iconic models alongside the newbies. We've put together a photo gallery of ... An Oldsmobile Cutlass on display at the Geneva auto show.
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Scrabble By The Numbers
Scrabble, of course, is a game that is all about the words. Without words you cannot win, but without the numbers there can be no points and points are really what we want more than anything else in the game. So in this game of words it really is the numbers that are the most meaningful and I think you might find that it is the numbers that are the most interesting. Let's take a look at Scrabble by the numbers.
The number of possible combinations of 7 tiles that you can draw when starting a game. Remember that time you drew J K Q X Y Y Z and went nuts? Well the odds of that happening are 3,199,724 to 1 so instead of getting upset about it you should be extremely excited at just how unlikely that situation is.
The number of words that are in the Official Tournament and Club Word List also referred to as the TWL. This number of words includes everything from the 2-letter words through the 15-letter words That is how many possibilities are out there every time it's your turn to play from your rack.
The number of 8-letter words that appear in the TWL and it is the largest number of words of any letter length in the TWL. That means that all you have to do it memorize this many words to know how to link your full rack of tiles off of a letter hanging out in space.
The number of words that appear in the TWL that contain the magic number of letters that will earn us our bonus, or bingo, points. It is a much more manageable number of words to memorize and recall when you're opening a game and want to start things off at the right pace.
The year the name Scrabble was trademarked by the creator of the game, Alfred Mosher Butts, and his partner, James Brunot. The game was originally called Criss-Cross Words, but later changed to Scrabble which means 'to grope frantically.' The game was sold to Solchow & Righter in 1972 and now is in the hands of Hasbro.
The highest point total for one word played using approved words from the TWL to set up the perfect board to play the word OXYPHENBUTAZONE according to this Scrabulizer.com blog. The board is perfectly setup for this, probably not even once in a lifetime, play covering three triple word tiles and creating the words OPACIFYING, XIS, PREQUALIFIED, BRAINWASHING, AWAKENERS, ZONETIME, and EJACULATING in the process. This play was done using a simulator so it doesn't exactly count as a real record, but it is a lot of fun to speculate. Using the SOWPODS list the same blogger was able to put up 1785 points with the same word, but slightly different setup words that are not legal in the TWL.
The record score for a single Scrabble game using the TWL. This incredible game took place at a Scrabble club in Lexington, MA in 2006 where the winner of the game, Michael Cresta, beat his opponent 830 - 490. The game broke several records including the highest combined point total in a sanctioned Scrabble game at 1320 and the highest point total for a single word played for QUIXOTRY at 365 points. The record setter, Cresta, traded in tiles a total of 5 times on his way to victory while his opponent, Wayne Yorra, hit 4 bingos while Cresta only hit 2. It was a couple of triple triple plays by Cresta that launched him into the record books. He played FLATFISH getting the double triple for 239 points then amazingly drew towards the word QUIXOTRY needing to draw the T and O to hit that double triple for 365 points and the single word record. The odds of drawing those to tiles are roughly 513 to 1 against drawing each of them. Certainly an amazing game that took place and will be hard to top.
The number of words that are legal in Scrabble, but do not contain a vowel. Twenty of these words don't even use the letter Y to replace the vowel and most of these are interjections such as SHH, PSST, TSKTSK, PFFT, and my favorite, PHPHT. The other 101 words all use the letter Y in place of a vowel and contain gems like SYZYGY and GLYCYLS.
The number of tournaments won over a career by Chuck Armstrong, one of the best Scrabble players of all-time. It is very possible that he has won more than this based on the length of his playing career and the lack of such statistics in a lot of the early years of Scrabble tournament play. He is currently ranked 98th in North America by the North American Scrabble Players Association.
The number of legal 2-letter words in the game of Scrabble. It is an important list to memorize if you take playing Scrabble seriously. It may seem like two letters can't add up to much, but if you can play a nice word that lines up with an existing word and create a bunch of these bad boys you will be able to score big. Some of the most important words from this list are JO, QI, XI, XU, and ZA.
The number of words that contain the letter Q without a U immediately after. This is a handy list to memorize because it just seems like you always get that high valued Q and no Us are nearby to help you out. Words like QWERTY, SHEQEL, QOPH, and TRANQ can surely get you out of a tight spot and into the winner's circle.
The number one word used in the English language as evaluated by the Oxford English Corpus, and used already three times in this sentence, is the word...THE. BE, TO, OF, and AND round out the top five most commonly used words in our wonderfully confusing language.
I hope you've had fun taking our journey through the numbers that make up our favorite game, Scrabble. I dare you to make your own record setting scores and share them with us!


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Myth 1:
Once you get rid of your teeth and get dentures, all of your problems are solved.
Getting dentures brings a whole new set of potential problems. You are now chewing with a large piece of plastic sitting on moveable tissue that changes shape over time due to loss of supporting bone. It also takes time and patience to adapt to new dentures.
Myth 2:
I will suffer great pain.
If it has been several years or maybe childhood since you had dental work done, you will find things have improved and your memories have exaggerated the experience. Patients generally report feeling much less pain than they anticipated.
Myth 3:
People automatically lose teeth as they age.
It is not natural, but does occur more often in Kentucky than anywhere else. Teeth are made to last a lifetime, but if you are genetically inclined toward gum disease, you will need regular maintenance to keep your gums healthy.
Myth 4:
Dentures are just as good as teeth.
They are fake teeth and your chewing ability will only be 20% of what real teeth can function. Just as you can't run sprints with prosthetic legs, you can't chew certain foods with false teeth.
Myth 5:
I know someone who can eat anything with their dentures.
People who wear dentures either exaggerate the ability to eat due to embarrassment at having them or they don't remember how much better they chewed with real teeth. A denture is a balancing act. If you don't chew evenly all over, the denture will tip. If you try to bite in front too often, over time you will lose the bone support and the remaining tissue will be unsupported and moveable. It will then require surgery to remove this tissue before a new denture can be made. Unless you are very conscientious, your nutrition will suffer over time which will affect your health.
Myth 6:
A good set of dentures will last forever.
The underlying bone will continue to recede since its function was to support the teeth. To keep dentures stable and functioning as well as possible, they will need to be checked at least once a year and will probably need relining every 2-3 years. If they are the first set, they will probably need relining within six months to one year. A good set of dentures will be serviceable for 6-10 years.
Myth 7:
I know someone who does fine without teeth.
This is very improbable. Even with calluses building up on the gums, many foods are beyond the ability to chew. More than likely, they are swallowing food unchewed and placing tremendous burden on the digestive system. In addition, without support the face caves in over time and loses height (vertical dimension) giving the appearance of premature aging.
Last but not least, if you are one of the unfortunate people who cannot adapt to wearing dentures due to loss of muscle control, gagging, or severe bone loss, implants may be your only alternative to keeping the dentures anchored in place.


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Darton State College Office of Cultural Affairs | Staff
Home » Students » Student Affairs » Cultural Affairs
Office of Cultural Affairs Staff
Wendy Wilson
C220, Student Center
I am pleased that you are interested in learning more about Darton State College. The Office of Cultural Affairs serves students by providing in depth advising, support for minority students, information to students about campus services, and scholarship information. The programming sponsored by the Office of Cultural Affairs focuses on cultural awareness and diversity education.
You are encouraged to stop by K314 anytime from 8 am until 5 pm. If you have any needs, or just want someone to answer a question or lend a friendly ear, feel free to email me if you have any questions email@example.com.
Wendy Wilson
Assistant Dean of Diversity for Cultural Affairs
The Cultural Affairs department is responsible for the information on this page.
For questions regarding content, or for further information, please contact Email: Wendy M. Wilson.
Last Update: June 1, 2016 4:55 PM
The Darton State College web site is maintained by the Technology Services Division.