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Dear members,
Thank you, NarutoBase Staff
Originally Posted by ♦ Rei-chan ♦
It's really nice. Some parts of it might even happen in the manga like trying to persuade Naruto to fight and Sakura feeling guilty again :p
If that doesn't happen though, I suggest you make it a fan fiction ^^
yes, will be doing that. will request u 2 move thread.
Originally Posted by RasenShruiken
I really want to see Sakra, kiba, lee and sai's faces when they find ot who his father is. according to yor prediction, it is likely to be very soon.
yes. dat reaction will be something to luk for
Originally Posted by TylerVII
very good for a funfic! but sadly most of these (especially the beginning) i don't see them happening. Naruto in sage mode is a sensor. He will immediately realize that in this group there is Raikage his minions and propalbly even Gaara, Temari and the puppet dude. In the manga when he went back to Konoha to fight Pain he immediately realized Kakashi's chakra missing...Sorry for my poor english :-(
agreed. already the1stemperor pointed out same thing. I really missed on that part. sorry. only one reply I can give to this comment is he was pretty worried about future, thus was not in his full senses, to understand it. But still this is lame argument. sorry.
here are several fanfic predictions. this is where i read all fanfic predictions. The one posted at first page "Faith in the Will of Fire" is from jeanericuser
here is prediction from numinous
ch 469: Shattered Dreams
ch 470: His Heart Has Spoken
and another one from The Special One
ch 469: Killer Bee vs Kisame
Originally Posted by ice palacio
here are several fanfic predictions. this is where i read all fanfic predictions. The one posted at first page "Faith in the Will of Fire" is from jeanericuser
here is prediction from numinous
ch 469: Shattered Dreams
ch 470: His Heart Has Spoken
and another one from The Special One
ch 469: Killer Bee vs Kisame
I posted this one here b4 it was posted on Naruto-spoilers. I always checked for fan-fic on Naruto-spoilers every week.
Originally Posted by SSJ4Naruto
469-470 Faith in the Will of Fire
Naruto is sitting at a table with the Kakashi, yamoto, sai, kiba, bushy brow, and sakura.
He has a troubled look on his face
as he listens to their words. Then sakura looks at Naruto who immediately averts eye contact with her. Sakura is suddenly
surprised at this this action.
Sakura: "Naruto, you do not have to take on this burden alone. I was Sasuke's teammate too. You do not need to take on this
heavy burden alone."
Naruto: "Are you really that blind of how far this situation has gone?"
The others are shocked at what they have just heard from Naruto. Sakura's eyes begin to tear up.
Sakura: "I am well aware of the sacrifices you have made just to get us even close to sasuke but Im saying you do not have to
take those risks alone."
Naruto: "And what exactly can any of you do in this situation? Nothing."
Kiba gets mad and stands up slamming his fist on the table. The others are surprised at what kiba has done.
Kiba: "Don't underestimate the rest of the ninjas in this village. Many of us have faught hard to get to where we are!"
Kakashi: "...."
Naruto looks up at Kiba and pulls out a kunai. He sets it on the table. The others are surprised at what they are seeing.
Naruto: "Sadly Kiba the shinobi we are facing now are not some simple bandit shinobi you may have faced thus far."
Yamoto: "..."
Naruto: "I would have thought the assault by Pain on konoha would have taught many of you that by now."
Naruto goes sage mode and instantly breaks the kunai at the middle of the blade in half. Everyone's eyes stare in shock at what
they are seeing. Naruto smiles and sets the blade edge first down into the table imbedding it deep in with no effort.
Naruto: "That is the kind of power you face out there. All it takes is one second of being off guard and you are...."
Naruto changes into sage mode and seems to be surprised. Kakashi and Yamoto notice Naruto's expression with concern.
Kakashi: "What is it?"
Naruto: "We have guests incoming. Several shinobi including a tracker."
On a hill side overlooking the cabin. Garaa, Shii, Kankuro, Temari, Tsuchikage, Raikage, and Mifune with a few samurai.
Raikage: "So are they in there or not Shii?"
Shii: "Im sensing 3 no 5 shinobi. What the?!"
Shii instantly senses the sage chakra and then sees a huge toad eye watching him.
Shii: "There is someone in there with a chakra unlike anything I have sensed before. I think it sensed me as well."
Raikage: "Jinchuriki chakra? You have sensed that before with my brother."
Shii: "No this is different. This chakra is almost alien. Its unlike anything I have ever sense before but whoever it is that is in there with them is far stronger than anything I have ever sensed before."
Tsuchikage: "Then lets just go investigate who or what it is that is in there. Im freezing my butt off out here."
Shii: "Its coming this way. It will be here any second."
Raikage: "Everybody stand by and prepare for combat."
Mifune: "Spread out. Do not let anyone get near the kages."
Shii: "Its almost here."
Raikage: "Where? I don't see anything."
Temari: "Look out! Its coming from above!"
The others scatter to avoid the huge shadow of the falling object. The object hits the snow hard causing the snow to flurry around
obscuring their view. When the snow clears the others are shocked to see Sage Naruto with several clones with Kakashi and Yamoto
riding on a huge toad with a massive sword. The samurai charge forward and naruto prepares a rasenshuriken.
Garaa: "Stop! Its them!"
Naruto turns to look at Garaa and Garaa is shocked to see naruto's eyes have changed as well as the monsterous rasenshuriken.
Raikage: "..."
Shii: "Boss its him. Thats the guy with the wierd chakra."
Kakashi: "Easy naruto. These people are not akatsuki."
Naruto powers down the rasenshuriken and jumps off the toad.
Naruto: "Thank you. Say hi to Pa Toad for me."
Toad: "No problem kid."
The Toad desummons while everyone stares at Naruto who is still in sage mode. Kakashi smiles and looks at everyone.
Kakashi: "Lets all get inside the cabin and rest. Its rather cold out here."
Tsuchikage: "Finally someone I can agree with. My hands are frozen."
Raikage thinking: "What was that jutsu he was about to use."
Everyone is inside the downstairs section of the cabin. Everyone is staring at Naruto who stands by the fire. Raikage
Kakashi: "So that is what Madara is planning?"
Garaa: "Yes. He seems to be determined to summon this juubi and afflict everyone with a genjutsu."
Yamoto: "So that what he meant by the eye of the moon plan."
Raikage: "But all that is not as important now as what must be done. Naruto and my brother must not fall into his hands."
Naruto: "And what makes you think I can't defend myself against them?"
Garaa: "Naruto, we have no idea just what Madara has planned so we have no way to protect you if you are on the battlefield."
Naruto: "Or do you mean to protect yourselves?"
Garaa: "....."
Tsuchikage: "Don't worry kid. You will be kept in good safe hands until this is all over."
Naruto: "And when will that be. 1 year? 5 years? 10 years? Madara has hunted me my whole life since the day I was born but he has
never gotten me nor will he now."
Raikage: "And if you refuse to come my people will gladly keep you locked away until this crisis is over."
Naruto: "I would like to see you try."
Raikage: "You impudent brat!"
Kakashi: "Easy naruto. Why don't you go check on the others upstairs."
Naruto: "...."
Naruto heads up the stairs and the door to upstairs closes.
Kakashi: "I think the real issue here is that all of this right now is based on reaction from threat instead of relying on actual information."
Garaa: "How so?"
Kakashi: "I don't think any of you in this room with the exception of myself or yamoto who realize just how powerful Naruto really is?"
Yamoto: "Should we really tell them this?"
Kakashi: "Relax. How much do you really know about what happened to Konoha a few days ago?"
Raikage: "My people have said that there was a battle with akatsuki but no one was killed except for 7 members of akatsuki with one
unaccounted for still."
Kakashi: "But did your people tell you that the persons who attacked konoha included a user of the Rinnegan?"
Tsuchikage: "The rinnegan? So Madara really does have someone with the rinnegan."
Kakashi: "Had is the more appropriate word. That rinnegan user aka Nagato was killed in action during that battle."
Everyone gasps except for kakashi and yamoto who looks concerned.
Tsuchikage: "That boy killed a legendary Sage? How?"
Kakashi: "By becoming one himself."
Garaa: "So Naruto is a sage now?"
Kakashi: "Correct. A toad sage to be exact. That is not the least of it though cause there is something more."
Naruto walks into the room. The others are listening through a hole in the floor when Naruto walks in. They are all startled when Naruto walks into the room.
Naruto: "Can I have a moment alone with sakura?"
Kiba: "But they were just about to talk about their plans concerning you. Don't you want to know yourself?"
Sakura: "Its alright guys. I need some time alone with Naruto."
Sai, Kiba, and Bushy brow leave the room through the same door that naruto entered.
Naruto: "Im sorry for being so harsh with what I said before but its the truth. They all incapable of fighting in this situation since
none of them is nearly strong enough to take on akatsuki."
Sakura: "And what about sasuke?"
Naruto: "Sasuke has been manipulated by so many people, he isnt the person I knew any more. He has become a tool of a bigger monster."
Sakura: "So you still intend to search for him?"
Naruto: "Yes but now more than ever since I must know for sure if this is truly the choice he has made."
Sakura: "Sai also told me about other things."
Naruto thinking: "What else did Sai tell her about."
Sakura: "There is something else I must know though Naruto."
Naruto: "What is it sakura?"
Sakura: "Do you really love me?"
Naruto: "...."
Raikage has a smile on his face as does Tsuchikage while Garaa's eyes are wide at what he has just heard as are the eyes of everyone else except for kakashi and yamoto.
Raikage: "I never would have imagined it. The Yellow flash actually had a son and that boy is it."
Kakashi: "That is correct. Naruto already has shown he has the capability to easily surpass the fourth hokage. In fact he already has to some extent."
Tsuchikage: "And this jutsu that the boy created can actually do what you say it can do?"
Kakashi: "Exactly. I saw it myself. Its potent enough that probably if used at the right time could be the only weapon possible to truly defeat Madara."
Raikage: "Alright. Its settled. If this boy is as powerful as you say he is then he may be our best weapon against madara."
Tsuchikage: "I guess my plan of the 8 tails and 9 tails working in tandem with the alliance is not such a bad idea, eh kazekage?"
Garaa: "I still have my doubts but none the less you have presented a pretty strong arguement."
Raikage thinking: "Convincing my brother to behave on the other hand will not but if this kid is as strong as what he suggests then he could probably handle him even better than I could."
Raikage smiles and Mifune looks at all the others in the room.
Mifune: "So we are in agreement then. Naruto will be immediately given the assignment to trackdown the 8 tails accompanied by team
samui and yamoto."
Kakashi: "I will go check on Naruto and tell him the news."
Killer Bee is shown standing on top of a tree top overlooking a huge swamp with sharks swimming around the tree.
i have 2 words for u
very impressive ...........................
I liked it but Kakashi and yamato bragging about Naruto about how great he is and telling everybody his tricks and secrets. That was kinda stupid.
Originally Posted by SSJ4Naruto
yes, will be doing that. will request u 2 move thread.
yes. dat reaction will be something to luk for
agreed. already the1stemperor pointed out same thing. I really missed on that part. sorry. only one reply I can give to this comment is he was pretty worried about future, thus was not in his full senses, to understand it. But still this is lame argument. sorry.
Don't be. As i said already i really enjoyed reading it! And it would not surprise me if some things u said came up true in a somewhat different way...like sakura's encounter with Naruto for example. Or the somewhat Naruto's odd behavior towards his comrades. You really made something with the whole kunai act. But on the other hand that may come from my wish to see Naruto get more serious and start acting more like a tough guy when it comes to been yelled or scolded by Sakura and his allies. About frs...yes it is a very strong technique but tsuchikage has a ninjutsu that can inflict dmg on the same lvl as frs or even more and he seems able to use it with great ease. But finding out that he is the son of the 4th and possess such strength when he is only like 16 and could take out Pain is something i am looking forward...i would love to see their reaction!
good prediction. not sure if naruto would really act like this with his comrades, but the prediction was sick. kakashi explaining to everyone how powerful naruto has become. very nice.
Forum Rules


text:
June 26, 2013 —
Arrayed in their caps and gowns, beaming with pride and savoring the moment, 93 Sullivan West graduates experienced a rite of passage through touching speeches, lovely music and finally the awarding of their well-deserved diplomas at the 2013 Sullivan West commencement ceremonies on June 22.
The gymnasium was filled with parents, friends, faculty and community members, as was the auditorium, which, for the first time, featured a live video stream of the proceedings for those seated therein. Following the Pledge of Allegiance, led by class treasurer Richard Lander, and the national anthem played by the band under the direction of Rossar Reynolds, the Sullivan West High School Senior Choir under the direction of Jerry Hoch gave a lovely rendition of "Defying Gravity," from Wicked.
Superintendent Nancy Hackett gave her welcoming talk, noting how she felt she had been here so much more than just the one year since her arrival. She hearkened back to the class's elementary, middle school and high school years and the learning milestones gained at each phase. "Keep learning, never stop trying and always keep growing," she advised.
Salutatorian Adam Murphy brought a humorous tack to his speech that included a remarkable imitation of teacher/coach Ron Bauer's sagacity. Murphy said that being second best was an honor, but that striving to be the best was always uppermost.
Seniors in band took up their instruments for the last time in school as the band played George Bizet's "Farrandole." Valedictorian Amanda Hulse implored her classmates to maintain their individuality, something the school supported along the way, and to "hold fast and stay true to yourselves."
Senior class president Cassidy Sauer presented this year's senior class gift, a new four-by-five-foot flag for the auditorium. High school principal Margaret Tenbus was delighted to have "the last word," so to speak. She talked about the number 13 and its reputation for bad luck, which has given rise to something called triskaidekaphobia. It's the fear of 13—something which clearly had no bearing on this year's graduating class bearing the same number.
She began by lauding the Career and Tech students who had the distinction of attaining the best attendance of any school from Sullivan County. Talking about the mystique of 13, she asserted that luck has nothing to do with it, and that in fact it was the charge of each of us to "make our own luck," noting that good fortune, not luck, was what brought these students to this milestone abetted along the way by parents, school, friends and community. "Thirteen can be a positive number associated with you," she declared.
Diplomas were then presented to the graduates, along with a reading of the scholarships won by those who had merited such honors. Members of the school board past and present, as well as high school principal Scott Haberli, had the honor of presenting diplomas to their children. These include board members Angela Daley presenting to her daughter Kristen, Kevin Murphy presenting to his son Adam, former board member Richard Lander and Brian Grady presenting Richard and Oliva respectively and Scott Haberli presenting to his son Eric. The ceremony concluded with the recessional. Refreshments were served provided by the Western Sullivan United Teachers and School Related Personnel.

subset: commoncrawl


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The holiday season starting often sees retailers offering deep discounts, but the discounts aren't actually all that great for consumers, the Wall Street Journal reports. They're even worse for suppliers, who bear much of the associated costs to provide the discounts—either by paying up front or settling up at the end of the season.
Suppliers of retail products also contribute to costs surrounding end-cap displays and newspaper flyers. They can get additional penalties for violations such as if packaging does not meet retailer specifications. After the holidays, retailers often ask for more payments, known as markdown money, to fund unplanned promotions. For example, if a blouse is not selling at 30 percent off regular price and the retailer has to mark it down to 50 percent off, the supplier often has to make up that difference.
A Japanese auto parts supplier agreed to plead guilty to charges of price fixing and pay a $120 million fine, the New York Times reports. Toyo Tire and Rubber is the latest target of the US Justice Department's antitrust inquiry into the auto parts business, a sweeping investigation that so far has charged 22 companies and has involved authorities from Asia to Europe and North America. Of 26 executives charged so far, 20 have been sentenced or have made plea agreements.
Toyo's charge "is the latest step in the antitrust division's effort to hold automobile part suppliers accountable for their illegal and collusive conduct," says Renata B. Hesse, deputy assistant attorney general in the US Justice Department's antitrust division. The investigation involves more than a dozen conspiracies to fix prices on more than 30 different types of parts sold to Chrysler, Ford, and General Motors, as well as American subsidiaries of foreign carmakers. Price fixing affects more than 25 million cars bought in the United States, the department says.
Apple Invests in Technology and Supply Chain
At Apple, a record $10.5 billion is being spent on new technology, from assembly robots to milling machines, that consumers will never see, Bloomberg News reports. Apple's spending underscores how the company is investing in design and new technology for its manufacturing processes. Apple regularly strikes exclusive machinery deals and outspends peers on tools it later places in factories of its suppliers, many of which are in Asia.
"[Apple's] designs are so unique that you have to have a very unique manufacturing process to make it," says Muthuraman Ramasamy, analyst at consulting firm Frost & Sullivan, who has studied the use of the machinery. "Apple has so much cash that they can invest in cutting-edge, world-class machinery that is typically used for aerospace and defense."
Chinese Auto Consumers Demand Discounts and Deals
Chinese consumers are more willing to hold off on purchasing cars as a glut of supply puts pressure on automakers to provide additional incentives, according to a survey by marketing research and consulting firm TNS. The survey of 1,000 Chinese respondents revealed that about 75 percent say that final purchasing decisions are prompted by deals or promotions, including cash discounts, extended warranties, and giveaways. In comparison, only 40 percent of respondents indicated this last year.
"As Chinese consumers wise up to the fact that supply is outstripping demand in the auto sector, brands have to work much harder to persuade shoppers to part with their cash," says Guillaume Saint, managing director, Automotive Asia Pacific, at TNS.
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text:
I started using "AI Sports Cycle Support" helps Liver, Blood Pressure, LDL/HDL.
Milk thistle, NAC, ALA, samE??? Advice and input please and thank you :]
I started using "AI Sports Cycle Support" helps Liver, Blood Pressure, LDL/HDL.
Liver52 DS and IML Advanced Cycle Support
TheCaptn' is not a registered proctologist. His post are for his amusement only. Please seek proper medical advice if symptoms persist.
Can only speak for what I use. For liver I take:
300mgs milk thistle extract 3 x daily
Liv 52 DS 1 tab 2 x daily
ironmaglabs.com/15% Off Coupon Code = ebfitness15
ironmagresearch.com/15% Off Coupon Code = ebfitness15
Have 3 cups of green tea a day a lot of people underestimate its benefits.
i drink 4 ounces of pure cranberry juice with a liter of water twice a day. live values are flawless.
I like NAC 1200mg on cycle and 2400mg when using orals. Good stuff.
^^ I also like NAC.
silymarin, the active ingredient in milk thistle is a potent enough that its used for mushroom poisoning by poison control...troo story
1800mg NAC while on orals. I also drink over a gallon of water a day
so whats more affective here lol. greentea, cranberry, live52? or is ACS hands down the all in one best out there? i like the all in one anything really thats what catches my attention with ACS its got NAC milkthistle and everything in it as well. is it needed to add samE tho or somthing else as well? also what about need2gaurd ?
i think all are good it's going to be personal prefrence i use liv 52 and milkthistle and 1 gallon of water too so i do 3 , but everyone should drink a gallon of water a day anyway nomatter what.
I can't believe nobody mentioned TUDCA/UDCA. Milk Thistle is supposedly good for all around liver health but it does not address the damage specifically done by AAS to the liver. TUDCA does. NAC does too but take note: hospitals deliver it via an IV because in oral form its pretty weak.
A good write up to get u started..
Last edited by moodyman1; 01-24-2014 at 07:02 PM.
you know I hadn't seen too much mention lately of RUDCA/UDCA ..I wondered if it fell off the radar. I was intensely intrigued by it at one point.
stay away from the n2 stuff...heavy has a report on one of the products through that company and it contains trace amounts of lead. I'll pass on the lead poisoning via supps.
The ACS got my attention for the same reason...I'd skip the samE honestly...theres some weird neurological effects for some people.
I will be incorporating daily:
2 grams of NAC
510 mg of Tauroursodeoxycholic
1.2 grams of Polyenylphosphatidylcholine
18 mg of B6
Should I be thinking about anything else?
Sent from my SAMSUNG-SGH-I337 using Tapatalk
Awesome advice guys thanks!!!


text:
Institutional Research and Effectiveness
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Another Day, Another Defeat
Breaking News: Sox lose fourth consecutive game, second in a row to the Twins by one-run. This time a Jim Thome walk and a Jason Kubel homer in the seventh inning did us in,
1 Comment
It's scary, Art. The pitching has been as good as we could have hoped, and the offense has been as bad as we could have feared. And we've yet to face a pitcher that any team with a reasonably potent offense should be fearful of.


text:
Seattle Seahawks v Chicago Bears
CHICAGO, IL - DECEMBER 02: of the Chicago Bears of the Seattle Seahawks at Soldier Field on December 2, 2012 in Chicago, Illinois. The Seahawks defeated the Bears 23-17 in overtime. (Photo by Jonathan Daniel/Getty Images)
Oakland Raiders v Cincinnati Bengals
of the Oakland Raiders during the NFL game against the Cincinnati Bengals at Paul Brown Stadium on November 25, 2012 in Cincinnati, Ohio.
New Orleans Saints v Atlanta Falcons
ATLANTA, GA - NOVEMBER 29: John Abraham #55 of the Atlanta Falcons is introduced before the game against the New Orleans Saints at the Georgia Dome on November 29, 2012 in Atlanta, Georgia (Photo by Scott Cunningham/Getty Images) *** Local Caption *** John Abraham
Indianapolis Colts v Detroit Lions
Indianapolis Colts and the Detroit Lions at Ford Field on December 2, 2012 in Detroit, Michigan.
Arizona Cardinals v New York Jets
EAST RUTHERFORD, NJ - DECEMBER 02: on December 2, 2012 at MetLife Stadium in East Rutherford, New Jersey. The New York Jets defeated the Arizona Cardinals 7-6.(Photo by Elsa/Getty Images)
New England Patriots v Miami Dolphins
during a game at Sun Life Stadium on December 2, 2012 in Miami Gardens, Florida.
Minnesota Vikings v Green Bay Packers
GREEN BAY, WI - DECEMBER 2: Aaron Rodgers #12 of the Green Bay Packers signals to the official for a hold during a game against the Minnesota Vikings at Lambeau Field on December 2, 2012 in Green Bay, Wisconsin. The Packers defeated the Vikings 23-14. (Photo by Wesley Hitt/Getty Images)
Jacksonville Jaguars v Buffalo Bills
ORCHARD PARK, NY - DECEMBER 2: Ryan Fitzpatrick #14 of the Buffalo Bills calls an audible during an NFL game against the Jacksonville Jaguars at Ralph Wilson Stadium on December 2, 2012 in Orchard Park, New York. (Photo by Tom Szczerbowski/Getty Images)
San Francisco 49ers v St. Louis Rams
ST. LOUIS, MO - DECEMBER 2: Greg Zuerlein #4 of the St. Louis Rams is congratulated by his teammates after kicking the game-winning field goal against the San Francisco 49ers at the Edward Jones Dome on December 2, 2012 in St. Louis, Missouri. The Rams beat the 49ers 16-13 in overtime. (Photo by Dilip Vishwanat/Getty Images)
Houston Texans v Tennessee Titans
of the Houston Texans during the NFL game against the Tennessee Titans at LP Field on December 2, 2012 in Nashville, Tennessee.
Cleveland Browns v Oakland Raiders
at O.co Coliseum on December 2, 2012 in Oakland, California.
Pittsburgh Steelers v Baltimore Ravens
at M&T Bank Stadium on December 2, 2012 in Baltimore, Maryland.
Tampa Bay Buccaneers v Denver Broncos
DENVER, CO - DECEMBER 2: XXXXXXX at Sports Authority Field Field at Mile High on December 2, 2012 in Denver, Colorado. (Photo by Dustin Bradford/Getty Images) *** Local Caption ***
Carolina Panthers v Kansas City Chiefs
KANSAS CITY, MO - DECEMBER 02: Outside linebacker Tamba Hali #91 of the Kansas City Chiefs is congratulated by fans after the Chiefs defeated the Carolina Panthers with a final score of 27-21 at Arrowhead Stadium on December 2, 2012 in Kansas City, Missouri. (Photo by Jamie Squire/Getty Images)
Philadelphia Eagles v Dallas Cowboys
<> at Cowboys Stadium on December 2, 2012 in Arlington, Texas.
Categories: Features Galleries NFL Photo Galleries Sports


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ARP1506005 - ARP High Performance Rod Bolts- Ford 302 CID Sportsman SVO - 3/8"- Complete Set
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ARP Rod Bolts
Choose From Three ARP Replacement Rod Bolts
Because factory connecting rods (or aftermarket versions of OEM rods) are used in a variety of applications from rebuilt stock engines to modified powerplants used in circle track, marine, and drag racing engines- including those with superchargers and/or nitrous injection systems- ARP offers replacement rod bolts in three different models. All of them are substantially better than stock OEM or most aftermarket bolts.
Good: Standard High Performance Bolts
A premium grade 8740 alloy chrome-moly steel is used to manufacture ARP high performance connecting rod bolts. This material is heat treated to provide a tensile strength in the 200,000 psi range, which is substantially stronger than OEM bolts. Cycle testing shows ARP high performance rod bolts are nearly 5 times more reliable than stock bolts.
Better: Wave-Loc® High Performance Rod Bolts
The same heat treated 8740 chrome-moly steel used to make these rod bolts as ARP's standard high performance rod bolts. The big difference is the shank design, with ARP's exclusive (and patented) Wave-Loc technology providing substantial benefits. Because there are fairly wide tolerances with factory bolt holes, the bolt must be able to fit snugly and a knurl is applied. Unfortunatly, these knurls cut deep into the bolt material leaving sharp edges and enormous "stress risers" that promote failure. Thats why ARP developed the Wave-Loc design that features symetrical waves, and has an effective interference range of .0005" to .007 for proper cap alignment.
Best: Pro Series Wave-Loc® Bolts
For the most severe applications, in conjunction with aftermarker "I" beam rods, ARP has developed the "Pro" series Wave-Loc bolts. These ultra heavy-duty rod bolts are made from a special material designated ARP2000. It has approximately 200% of the fatigue life of 8740 chrome-moly steel and has a tensile strength of abot 220,000 psi, and is capable of more than 12,000 lbs. clamping force.
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Stripe Cable Knit Sweater
Style: 570092427
Out of Stock
Cables and open pointelle stitches bring traditional texture to a luxuriously soft knit striped in black with subtle flecks of tonal shimmer.
- Contoured fit with a lot of stretch.
- Bateau neckline.
- 45% Rayon, 27% Cotton, 25% Nylon, 3% Cashmere. Hand wash. Do not dry clean. Imported.
- Hits at mid-hip (25.5" from shoulder).
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Personal Finance FAQs
The world of investing and personal finance can occasionally be perplexing. Often when a specific personal finance question comes to mind, no obvious source for an answer is apparent.
Here is a list of practical answers to frequently asked investing and personal finance questions. This quick reference guide is designed to be a "go to source" for answers to your investing and personal finance needs.
AAII's Personal Finance area is your key to successful investing.
Join AAII
Creating a Financial Plan
- Where can I find a good financial planner?
- How do I go about creating an estate plan?
- How can I get my debt under control?
- I want to get my older teenagers involved in handling their finances. Where do I start?
- I'm a retiree living off of my savings. What's a safe withdrawal rate?
Life Insurance
- What kinds of life insurance are available?
- What do I need to consider when purchasing life insurance?
- What are annuities?
- How do variable annuities compare to mutual funds?
- What are the pros and cons of annuities?
Managing Your Investment Portfolio
- What is diversification and why is it important?
- What is the benefit of time diversification?
- What's the danger of using a market timing strategy?
- How do I calculate my return?
Creating a Financial Plan
Personal Finance: Where can I find a good financial planner?
Financial planners are generalists who help individuals delineate personal financial plans with specific objectives, and help coordinate various financial concerns. Here are some general tips when conducting a search for a financial planner:You will probably want to find a personal finance planner that is located close to you, since you will need to spend some time going over your financial concerns.
- Check on the planner's formal educational background, his professional training and continuing education.
- Make sure you understand the methods of compensation—whether fee-only, or if the planner receives part or all of his compensation through commissions on investment products he sells.
- Most financial planners will offer free one-hour consultations. Use this opportunity to ask questions and find out if you will get along well with the planner.
- Ask about the make-up of the planner's clientele. You should look for a planner who is familiar with the kinds of problems you face, and therefore his clientele should have personal financial situations similar to your own.
- Ask for client references.
- Ask the financial planner for a copy of his brochure and/or ADV form; the ADV form is filed with the Securities and Exchange Commission and is required if the planner is registered with the SEC. It will disclose an extensive amount of information on the financial planner and his practice, including his philosophies, practice structure, fees and potential conflicts of interest. If possible, request both Parts I and II. Part II must be provided to clients; Part I is optional, but contains useful information concerning possible past regulatory problems.
Contact these professional organizations for a select list of personal financial planners in your area:
- American Institute of Certified Public Accountants, Personal Financial Planning Section: 220 Leigh Farm Rd., Durham, N.C. 27707; (888) 777-7077; www.aicpa.org. The AICPA Web site features a searchable database of CPAs who have earned the Personal Financial Specialist (PFS) designation.
- Certified Financial Planner Board of Standards: 1425 K St., N.W., Suite 500, Washington, D.C. 20005; (800) 487-1497; www.cfp.net. Visit the Web site or call to find out whether a financial planner has earned the Certified Financial Planner (CFP) designation, which is given by the CFP Board.
- Financial Planning Association: 4100 E. Mississippi Ave., Suite 400, Denver, Colo. 80246-3053; (800) 322-4237; www.fpanet.org. Visit the Web site or call for information on financial planners in a specified location who have the Certified Financial Planner (CFP) designation.
- The National Association of Personal Financial Advisors: 3250 N. Arlington Heights Rd., Suite 109, Arlington Heights, Ill., 60004; (800) 366-2732; www.napfa.org. Upon request, the association will send a list of members (by location); members are fee-only financial planners.
Personal Finance: How do I go about creating an estate plan?
In general, your "estate" includes all of your assets, less all debt, plus death benefits from all life insurance policies not held in an irrevocable trust. The biggest reason to have an estate plan is to make sure that your personal values about both medical and personal finance financial matters are honored in the event that death or incapacity prevents you from acting for yourself. In addition, tax minimization is a further and very important goal of estate planning for persons with taxable estates. To create an estate plan for yourself or update an existing plan, you will most likely need the services of an estate planning attorney.
When you consult with an estate planning attorney, the attorney considers how you want assets distributed to heirs, what taxes might your estate be liable for and whether there are tax-minimization strategies that would be appropriate and appealing; what your preferences and values are with respect to the management of medical and financial affairs in the event of incapacity; and any complicating family issues. To deal with these issues, your attorney will need full and accurate information about you, including:
- Demographic Information: spouses, children, date of residency in the state, date of marriage(s), country of citizenship, whether you have previously made taxable gifts and if you are a beneficiary or a trustee of an existing trust.
- Financial Information: a detailed list of what you own and owe, life insurance policies on your life, business interests, and how each asset is currently titled.
- Personal Finance Circumstances: special issues for the attorney to consider—e.g., potential inheritances, creditor problems, a strong desire to give gifts, potential family disputes, medical concerns, or any uncertainty that you may have about your current estate plan.
- Personal Finance Preferences: your wishes for end of life medical care, for how your wealth will be distributed to heirs, and for how much planning you are interested in doing to minimize taxes.
When an estate plan is formulated, be sure you understand what the attorney is saying. Estate planning ideas can be elusive, but strive for a layman's working knowledge of the material presented for your consideration. It is also appropriate and expected for you to ask about the attorney's fee for any legal service you are considering.
Personal Finance: How can I get my debt under control?
Reduce Use of Credit Cards: Compounding monthly a $2,500 unpaid balance on a credit card that charges an 18% annual percentage rate means you're paying an effective interest rate of 19.56%, or nearly $500 in annual interest charges. If you paid off the $2,500 balance, you would earn, in effect, a 19.56% "return" on your money.
Reduce Current Debt: If you currently are heavily burdened with debt, there are several steps to consider. First, of course, is to start paying off your debt, and two approaches are possible: You can pay off the highest-interest debt first, which would save you the most money; or you could pay off the lowest balance first. You may want to consider consolidating your loans, but don't spend the savings, or you won't come out ahead.
Develop a Personal Finance Debt Plan: Unless you develop a plan for paying your debts, frustration and bad credit can easily result. By developing a worksheet listing the name of creditors, dates last paid, when balances are due, interest rates being charged, monthly payments and totals due, you can address your credit obligations. Be sure to list all consumer debts, noting the maturity dates for non-revolving charges.
When you write down the interest rate of each loan, check to see if it exceeds the aftertax return on your invested savings. If it does, you have negative interest spread, and it would be wise to pay off that loan from a savings account. After you have totaled monthly debt obligations, calculate the percentage of take-home pay they represent. If the percentage is higher than 15% to 20%, you are in danger of overloading your short-term credit. Ask yourself, could you pay off all your debts within an 18- to 24-month period? If not, you are probably exceeding your credit limit.
Remember that credit can be an important lifeline in the event of a crisis, such as temporary or permanent loss of employment or other financial crunch. If you have used all your credit, you have removed a valuable cushion of security.
Personal Finance: I want to get my older teenagers involved in handling their finances. Where do I start?
The challenge is to develop a series of cumulative steps that will make the world of personal finance visible, credible, and appealing to young adults. What follows is a collection of various steps to consider for creating financial coming-of-age traditions tailored to your family's values and circumstances. They are offered as a way to jumpstart brainstorming. Specific traditions will obviously vary for each family according to family values and family wealth.
Once a child turns 16, consider getting a credit card in the child's name, with the parent as the guarantor. At age 18, consider a low-limit card for which the child is responsible, in addition to a card in the parents' name to use in case of emergency and/or for purchases that in your family are paid for by the parent. Help your older college student to order a credit report from one of the national reporting agencies (www.equifax.com, www.experian.com, or www.transunion.com).Throughout the college years, and especially early on, keep the communication about credit card use ongoing.
In families where inheritances in the form of trust funds are part of the picture, consider working with your attorney to develop a series of steps designed to draw your child gradually into trust management while educating them about the world of personal finance. For example, trust documents can specify that young adult heirs become co-trustees with limited responsibility and authority before assuming full responsibility at a later age.
At age 18 a child can open his or her own checking and savings account. Consider making a parent/child visit to the bank to open these accounts an honored coming-of-age ritual in your family. During the visit with the bank officer, review how to track deposits and withdrawals, arrange for an ATM debit card and a first PIN number. Review safe ATM machine habits. Help your child think through what percentage of earned income, and of gifted monies, will go to checking versus to savings. Use this opportunity to promote the notion that "in our family"—or at least in smart circles—people save 10% to 20% of every dollar they earn, starting with the first dollar.
Once a child has earned income—income reported on a W2 form at year-end—consider opening a Roth IRA account. When the child turns 18, she can directly open an IRA account herself. Explain that Roth IRAs are one of the most powerful personal financial savings vehicles available, and a potentially important source of long-term wealth. Contributions are made with aftertax dollars, but then grow tax-sheltered and (with reasonable planning and under current law) also escape taxation at withdrawal.
To fund a Roth IRA for a young adult, it is necessary for that young adult to have earned income. However, there is no IRS prohibition preventing parents or grandparents from funding all or a part of the contribution, if they choose to do so. Some families offer a parental (or grandparental) matching contribution, some families fund the entire contribution, while other families make up the difference between an agreed upon child's contribution and the IRS maximum allowed contribution—or between an agreed upon child's contribution and the minimum amount required by the IRA company to open an IRA.
Children grow up with an intuitive notion of their family's standard of living—but no dollar amount to associate with that standard of living unless parents share that information with them. At some point it becomes appropriate and helpful for parents to share information about their income and wealth with their children, a process that is perhaps the most profound financial coming-of-age ritual of all. There are few higher honors for a child than when a parent trusts the child with family's personal financial information. For this reason, coming to know one's own family net worth and income level, as well as the financial history and philosophy of one's parents, can be a fruitfully maturing experience in itself.
Personal Finance: I'm a retiree living off of my savings. What's a safe withdrawal rate?
For retirees, the perfect portfolio withdrawal rate is a magic number that provides the extra funds they need to supplement their pension and Social Security each year, but also maintains their portfolio's viability for as long as they live.
Several studies in the bull market of the 1990s suggested that 5% was a safe withdrawal rate, and 6% to 7% could work if you had a high percentage invested in stocks. However, most credible studies found that lower rates, of 4% to 4.5%, were sustainable if you could accept a 10% to 20% chance of plan failure. Yet most retirees would prefer as close to 100% odds of success as possible. In virtually all of the sustainability studies, if you take on more risk (i.e., investing in stocks), you can count on a higher withdrawal rate as part of your personal financial plan.
The problem facing retirees with portfolios invested in stocks is that the sustainability of the portfolio when you are withdrawing from it depends on the timing of stock market returns.
In your personal financial plan, the best approach to portfolio withdrawals is to create a gradual increase or decrease in spending based on portfolio volatility and asset size compared to expenses. If you couple this with good portfolio discipline, you've got a great chance of accomplishing your long-term spending goals in retirement.
If you can accomplish your goals at a 3% withdrawal rate, great. If 4% is needed, stay more disciplined on buy/sell targets and rebalancing, and look for special opportunities to occasionally boost returns. If 5% or more is needed, you should consider more radical strategies to enhance returns, but you must be willing to temporarily tighten your belt if your investment strategy does not go as planned.
Life Insurance
Personal Finance: What kinds of life insurance are available?
There are two basic types of life insurance: term insurance and cash value life insurance. Term insurance is straightforward and easy-to-understand—it provides a death benefit with no cash value. The term premium increases either every year or at specified intervals, usually five or 10 years.
Cash value life insurance is variously known as whole life, universal life, interest-sensitive whole life and variable life. Cash value premiums are generally three to eight times the amount of the initial term premium and, unlike term insurance premiums, remain level. The cash value policy's premium can be designed to be paid for a limited number of years. How many years can't be exactly known because it depends largely on future investment yields.
Cash value life insurance policies combine investment with insurance protection, and should be evaluated relative to alternative investment opportunities. A cash value policy is essentially term insurance plus an investment account. The investment accrues on a tax-deferred basis. The most common examples are whole life, universal life, and variable. Whole life is reducing term insurance plus a savings account. Universal life is a variation on whole life. Premiums (net of commissions and expenses) are paid into a savings account; mortality charges for a term policy are withdrawn.
As part of your personal finance plan, when cash value life insurance is considered, keep in mind the following points:
- Whole life, universal life and interest-sensitive whole life are very similar;
- Universal life is more flexible;
- Whole life, in order to keep up with competitive pressures, has become more like universal life in its premium flexibility and potential for underfunding;
- Interest-sensitive whole life is usually structured to give policyowners an early warning when actual policy results diverge from anticipated results; and
- Some variable life policies have much higher policy expenses compared to universal. This is something you will have to discover through closer examination of the policies. Variable life policies with much higher expenses should be avoided.
Personal Finance: What do I need to consider when purchasing life insurance?
Nearly all cash value life insurance is now priced-to-the market. This means that the actual value of a policy at any point in time will be different than the value that was projected in the policy illustration. Consequently, the overall premiums paid over the life of the policy may be much higher than was originally expected by the purchaser.
Life insurance policies can be very flexible in their design and life insurance planning concepts can be complicated with exotic features. These complications require you to be very diligent when planning and purchasing life insurance and monitoring your purchases. Following is a checklist to help you do just that.
- As part of your personal finance plan, review your family's financial circumstances to determine your objective life insurance needs. This will result in determining an approximate amount and overall design.
- Review any existing policies that you and other family members own.
- Analyze whether term or cash value life insurance is most appropriate. If life insurance is needed is for family protection, term may be most appropriate; if it is needed for estate planning need, term insurance is generally not useful. (If term insurance is selected, steps 4, 5, and 6 can be skipped).
- Identify purchase design options for cash value life insurance (for example, increasing or level death benefits, continuous or vanish premium pattern), and determine which are most desirable for your family's circumstances.
- Analyze the most appropriate form of cash value life insurance for your family's circumstances: universal life, whole life, or variable life.
- Identify a range of pricing assumptions for cash value policies. If a specific death benefit is to be funded, select pricing assumptions to initially set a premium amount.
- Identify all policy riders to select from.
- Review policy every two years, both in terms of policy performance and in terms of changing family needs and circumstances and your overall personal financial plan.
To learn more about various types of life insurance and policy designs, see the education sections of the Web sites listed under Life Insurance in AAII's Guide to the Top Web Sites.
Personal Finance: What are annuities?
Annuities are contracts between a life insurance company and a buyer. These contracts allow the buyer to make a single investment, or a series of investments, throughout the "accumulation period" during which money grows, tax deferred. At the end of the accumulation period, the contract provides a lump-sum payment or a series of payments which may include some of the following variations:
Income for life with:
- nothing remaining upon death
- 10-20 years of guaranteed payments to a beneficiary
- a lump-sum payment at death equal to the difference between the fund balance and payments received
- payments continued at some level for the life of a survivor
- a specified period or amount
Annuities are most often used as a long-term investment for retirement. There are three types of deferred annuities: fixed, variable, and market-value-adjusted (hybrid). The fixed and variable deferred annuities are further classified as single premium deferred (SPD) and flexible premium deferred (FPD) depending on the number of deposits allowed. In addition to deferred annuities, there are immediate annuities.
Deferred Annuities: A fixed annuity credits interest based on the earnings of the company's general account. Both investment and mortality risks are borne by the company. Contract rates of return have a guaranteed minimum rate which is reset periodically. The guarantee periods vary and may range from one to 10 years.
In contrast to fixed annuities, variable annuities offer greater investor flexibility in that they allow the annuitant to select from several investment options and their corresponding returns are credited to the annuitant. The variable annuity is best explained as a mutual fund family within an insurance contract. The insurance company offers a mix of stock, bond, and money market funds and places allocation and selection responsibility directly on the policyholder. Therefore, investment risk is borne by the purchaser. The value of the account fluctuates with the changing market values of the underlying securities held. The variable annuity, however, differs from the mutual fund investment in one way—taxation.
If a taxable mutual fund is owned, all earnings would be taxable in the year paid. This includes realized capital gains. This is not the case with a variable annuity.
During the accumulation period, the investor incurs no income tax liability for reinvested dividends, interest, or realized capital gains. The insurance company pays a corporate capital gains tax on realized capital gains; a proportionate amount of that tax may be deducted from the benefits credited to the annuitant's account.
Market-value-adjusted deferred annuities are a hybrid of fixed and variable annuities. They provide a guaranteed interest rate for a specific period of time—usually 10 years. If, however, the contract is surrendered before the end of the guarantee period, adjustments are made to the cash value of the contract. Hybrids were developed to connect the temporary cash values to changes in the market value of the underlying investments caused by fluctuating interest rates.
Immediate Annuities: Immediate annuities provide a series of payments as soon as the premium is paid to the company. With fixed immediate annuities, payments are fixed at issue. With variable immediate annuities, payments vary based on the performance of the funds selected.
Personal Finance: How do variable annuities compare to mutual funds?
Like mutual funds, variable annuities do not offer a guaranteed cash value. Instead, the size of the payments received by the contract holder are directly dependent on the performance of a professionally managed portfolio.
On a risk-adjusted basis, variable annuities perform similarly to mutual funds. On average, variable annuities offer slightly lower returns than mutual funds as well as lower levels of risk.
Unlike mutual funds, variable annuities provide tax-deferred growth of dividends and capital gains. However, if these investment vehicles are held for a short time period—less than six years—the extra fees associated with mortality and risk expenses more than offset the tax-deferral advantages. Therefore, variable annuities are best viewed as relatively illiquid, long-term savings vehicles that are most useful for the funding or partial funding of retirement income.
Variable annuities are appropriate for individuals who require a monthly income, desire flexibility and understand alternative investments, who want a tax-deferred investment vehicle and can tie funds up for an extended time period, and who already own fixed-income securities.
Personal Finance: What are the pros and cons of annuities?
Like any investment vehicle, an annuity has both good and bad points. The two biggest features in favor of an annuity are tax-deferred accumulation and safety. Historically, annuities have been very safe vehicles in which to invest and, with rare exception, there have been few defaults in this area. In addition, the tax-deferred accumulation allows for a significant additional accumulation of funds over and above what could be earned in a taxable vehicle.
However, you should remember that an annuity is a long-term accumulation vehicle. If the contract is surrendered prior to age 59 1/2, there is a 10% excise tax penalty levied. The advantage of tax-deferred accumulation is that eventually the additional earnings through tax deferral can offset this excise tax penalty. As a rule of thumb, you should plan on holding a deferred annuity approximately 15 years before liquidation (this can change depending on your tax bracket), if you plan on having your liquidation occur prior to age 59 1/2. This break-even point is reached sooner if the liquidation will occur after age 59 1/2. The holding period defines the break-even point between an annuity with tax deferral versus a similar investment at the same rate of return without tax deferral.
Another advantage for some in using an annuity is the selection of an annuitization (payout) option and the ability to guarantee an income for life. As one gets older, the annuitization factors rise because of the risk of the payout being over a shorter period of time for the insurance company due to a decreased life expectancy. With the rise in factors comes a corresponding additional payment that relates to a higher equivalent rate of return when comparing the annuitization payment received versus interest received on an account using the same initial lump sum invested. For some individuals, this certainty of continued income and the peace of mind it affords are important factors.
Again, as with any investment vehicle, there are disadvantages to the annuity and annuitization. Since your money is placed with an insurance company in an annuity contract, you have little control over the rate of return on your investment. A good company will pay a return competitive with that credited on 52-week Treasury bills and it should typically be slightly higher than this rate. However, the decision as to the crediting rate is entirely the insurance company's and you should be aware of this when making an investment decision.
In addition, although there is certainty in your continued monthly income payment when choosing an annuitization option, you definitely have purchasing power risks associated with this decision. Although you have eliminated the possibility of market risk on your investment because you have locked into a fixed rate of return, you have created the risk of loss of purchasing power. Your income will be a fixed income that will not have the flexibility of readjustment in case of higher inflation rates. In addition, annuities provide less flexibility for leaving an estate to your heirs if that is your wish. There is some flexibility in that an annuitization option can be chosen that allows the potential for remaining funds to pass to heirs. However, remember that any option such as this will reduce the amount of payout to you during your lifetime, since it corresponds to a lower annuitization factor and thus a lower monthly payment.
Managing Your Investment Portfolio
Personal Finance: What is diversification and why is it important?
If you invest in a single security, your return will depend solely on that security; if that security flops, your entire return will be severely affected. Clearly, held by itself, the single security is highly risky.
If you add nine other unrelated securities to that single security portfolio, the possible outcome changes—if that security flops, your entire return won't be as badly hurt. By diversifying the investments in your personal financial plan, you have substantially reduced the risk of the single security. However, that security's return will be the same whether held in isolation or in a portfolio.
Diversification substantially reduces your risk with little impact on potential returns. The key involves investing in categories or securities that are dissimilar: Their returns are affected by different factors and they face different kinds of risks.
Diversification should occur at all levels of investing. Diversification among the major asset categories—stocks, fixed-income and money market investments—can help reduce market risk, inflation risk and liquidity risk, since these categories are affected by different market and economic factors.
Diversification within the major asset categories—for instance, among the various kinds of stocks (international or domestic, for instance) or fixed-income products—can help further reduce market and inflation risk. Diversification among individual securities helps reduce business risk.
Personal Finance: What is the benefit of time diversification?
Time diversification, remaining invested over different market cycles, is extremely important yet often overlooked.
Time diversification helps reduce the risk that you may enter or leave a particular investment or category at a bad time in the economic cycle. It has much more of an impact on investments that have a high degree of volatility, such as stocks, where prices can fluctuate over the short term. Longer time periods smooth those fluctuations. Conversely, if you cannot remain invested in a volatile investment over relatively long time periods, those investments should be avoided. Time diversification is less important for relatively stable investments, such as certificates of deposit, money market funds and short-term bonds.
Time diversification also comes into play when investing or withdrawing large sums of money. In general, it is better to do so gradually over time, rather than all at once, to reduce risk.
Personal Finance: What's the danger of using a market timing strategy?
The goal of a market timer is to enter the market when it is rising, and exit when it is falling. While the strategy sounds appealing, it is difficult to execute, since no one has been able to devise a system that can tell in advance if the market will rise or fall. Market timers therefore tend to follow the trends, bailing out after the market has started to fall, and jumping in after it has started to rise.
However, the stock market movements are jerky, not smooth, and allow little time for even the most prescient market timer to act. Thus, one of the major risks of this kind of strategy is that it may have an investor out of the market when the bulls stampede.
Probably the biggest risk of a market timing strategy is that a few missed bull markets can negate the long-term return advantage stocks have historically provided. And market timing strategies sometimes miss the boat. In recognition of this all too familiar trait, investors should refrain from full-bore timing strategies that require the portfolio to be either 100% in stocks or 100% in short-term debt. In the world of personal finance, diversifying a portfolio across asset types provides protection that is too certain to be discarded for the uncertain promises of market timing. Timing strategies that call for either an all-stock or an all-debt portfolio, or almost-all-stock or almost-all-debt, contain excessive and unnecessary levels of risk.
If you are interested in market timing strategies, you should at least limit the portion of your total portfolio that is subject to the risks of market timing.
Personal Finance: How do I calculate my return?
Calculating the performance of your total portfolio isn't that difficult if you don't want precision accuracy; the formula is presented below.
If the return isn't within the target range you expected based on your investment mix, you may need to make some adjustments in your future projections—for instance, you may have to increase your savings rate, you may have to take on more risk to achieve the target that you set, or you may simply have to adjust your target value downward, settling for less in the future.
Monitor the performance of the components of your portfolio—mutual funds, investment advisers and self-managed investments—either quarterly or semiannually and judge the results against relevant benchmarks.
The purpose of this monitoring is to see how well the professional expertise you have hired (or are performing yourself) is doing.
You do not need to make your own calculations to measure the performance of your mutual fund holdings; there are many resources that provide information on mutual fund performance, and that also provide appropriate benchmarks for comparison.
If you are investing in stocks or bonds on your own, measure your individual stock or bond portfolio performance against an appropriate index or similarly managed mutual fund as a test of your own investment decision-making ability. To determine the performance of your own stock portfolio, use the approximation formula, and make sure that the benchmarks you are comparing performance against cover the same time periods.
If you have an investment adviser selecting individual stocks for you, measure him against an index and mutual fund averages composed of stocks similar to those he is managing. The adviser should be able to provide you with the return on your portfolio; make sure it covers a standard time period, so it can be measured against an index or average that covers the same time period.
What do you do with this performance information? For mutual funds and advisers, if the performance figures are good relative to the benchmarks—no problem. If the figures are unsatisfactory, you have to decide if you want to sell the fund (or drop the adviser) and look elsewhere.
Calculating Your Return: An Approximation
Return =
End Value
|Value at end of investment period.
|Value at beginning of investment period.
|Unreinvested income (for instance, dividends or interest received and not reinvested). Note that reinvested income is automatically accounted for because it is part of the ending value.
|Total cash additions put into the portfolio during the time period less withdrawals. Use net withdrawals, a negative number, if total withdrawals are greater than total additions.
|Your answer will be in decimal form. Multiply by 100 to determine percentage return.


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Members of Congress and Advocates Announce Federal Legislation Protecting Pregnant Workers from Discrimination
May 8, 2012—Today Representative Jerrold Nadler (D-NY) and 63 cosponsors, including Jackie Speier, Susan Davis, and Anna Eshoo of California, will introduce the Pregnant Workers Fairness Act (PWFA). This legislation would require employers to provide reasonable job modifications that would allow pregnant women to continue working and supporting their families.
"Legal Aid Society-Employment Law Center is pleased to endorse the Pregnant Workers Fairness Act" said Sharon Terman, Senior Staff Attorney and Director of the Work and Family Project at Legal Aid Society-Employment Law Center. "Seventy-five percent of women in the workforce will become pregnant while employed. Yet far too many women are forced out of their jobs when they need them most – when they are expecting a new child. California enacted reasonable accommodations for pregnant women in 1999, and the law has been used countless times to enable women to keep their jobs and support their families while maintaining healthy pregnancies. The Pregnant Workers Fairness Act is a common-sense public policy. No woman should have to choose between her health and her job."
One woman who was protected by California's law was Laura, a client of Legal Aid Society-Employment Law Center. "I work as a program counselor at a facility for people with developmental disabilities," she said. "When I was pregnant my doctor recommended that I not bend and twist when securing wheelchairs to a bus. I asked my supervisor for this adjustment. She responded by forcing me out on unpaid leave for the rest of my pregnancy, even though I was not disabled and could do my job with this minor accommodation. My employer also threatened to fire me if I didn't return to work in 4 months. The four-month deadline was right when I was expected to have my baby. Thankfully, I learned that I was protected by California law. After Legal Aid informed my employer of this law, I was reinstated to my job and given the adjustment I needed. I recently had a healthy baby boy and am looking forward to returning to work. All women should have this basic protection."
The proposed legislation was announced at a news conference in Washington, D.C., featuring Members of Congress and representatives from supporting organizations, including Legal Aid Staff Attorney Rachael Langston.
The full news release from the Members of Congress.
The Letter of Support, signed by more than 100 organizations across the country.


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By Gabriel Monte: Freedom New Mexico
The United Way of eastern New Mexico is scaling back its fund-raising goal with a target it was able to meet the previous year.
This year's campaign chairman, Todd Morris, announced the organization's $580,000 fund raising goal during Thursday's United Way annual banquet at the Clovis Civic Center.
The organization also honored its volunteers and officers with awards.
The United Way raised $580,000 during its 2007-2008 fund raising campaign.
Organization officials said a tough economy was to blame for missing the 2008-2009 goal. The organization collected $530,000 or 84 percent of its $627,000 goal.
But an optimistic Morris said he believes they will be able to raise more money in the upcoming campaign, which starts in September.
"I still think we can challenge people in our region to push harder and deeper," he told the more than 200 people attending the banquet.
Clovis Municipal Schools Superintendent Rhonda Seidenwurm was the first speaker of the night. She spoke about the importance of annual company meetings promoting United Way.
Oasis Child Advocacy Center Executive Director Hank Baskett also spoke about United Way's role in funding agencies such as his.
Clovis resident Keri Crawford shared her story about how the United Way's Day of Caring Committee helped her raise money for a playground for children in her neighborhood. The committee is also recruiting volunteers to build the playground.
"They're willing to help me advocate for the children in my neighborhood," she said. "When this is done, the (children are) going to love it."
Executive Director Erinn Burch presented an award to the Allsup family for their support of United Way's 211 help directory.
Leo Lovett, who served as United Way President for two years received an award for his service. Burch said presidents usually serve a one-year term.
Lovett said he decided to take on another term because he wanted to begin new initiatives the national organization was implementing, which included reducing the number of high school dropouts.
"Truly, United Way is changing from a money-collecting (agency) to being an advocate in our community."


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Not So Wasteful
Every generation has looked back at their teenage years and thought to themselves, "What was I thinking?" From bellbottom pants, to parachute pants, to pants that sag seven inches below the waist, we're all guilty. The odd yet unsurprising thing is that each decade has left its mark in the fashion world. However, just about every fashion statement from that decade has stayed in that decade, along with most teenage ideologies. There are very few dreams and aspirations that we retain from our teenage years, so one can imagine how rare it is when one hangs on to a dream and fulfills it decades later. For Ed Arensdorf, his dream of owning a '72 Chevy truck emerged when he was 15 years old.
Six years ago, Ed decided the time was now, and he went out to find the truck he dreamt about so many times. Once found, he knew he wanted to build the truck the way he wanted it, and only the way he wanted it. Although Ed knew the way he wanted the truck to look would take a lot of work, and more importantly time, he figured he had waited this long for his dream to come to fruition, so what would a few extra years be? However, Ed will be the first to tell you he couldn't be happier that the build is over and he can sit back and bask in his glory.
To kick-start the build, Ed took his truck to Bill Turner Enterprises to get begin the groundwork-literally. Bill took on the job of setting up the chassis to get the look Ed was after. His first step was to drop the truck on the ground. Up front, Bill used a set of Air Ride Technologies lower A-arms with Firestone airbags and two-inch drop spindles. From there, he fabbed the upper A-arms and notched and raided the front crossmember to get the truck at the desired ride height and drop height. Out back, Bill ditched the factory truck arm setup completely; in its place is a custom truck arm setup by BTE. The new setup includes BTE trailing arms, Firestone airbags, and a custom Panhard bar setup from BTE.
With the suspension done, the truck was then taken to B&N Custom Rods. There the Aerospace Components disc brakes with billet calipers were installed at each corner. They also mounted all the air-ride equipment, battery, brake booster, master cylinder, and gas tank under the body to keep the bed and engine compartment clean. Next, B&N dropped in a ZZ4 crate motor, but not before the block was smoothed and a March serpentine system was installed. Other items installed include an Edelbrock fuel-injection setup and a Walter Prosper air cleaner. Covering the engine compartment are custom inner fender panels from Northwest Auto Fab. Putting things in motion are 20-inch Intro Matrix wheels out back and 19-inch Intros up front.
With the chassis squared away, it was time for the Chevy to take on its new look. For starters, Ed wanted the top to look completely different. B&N's first job was to whack two inches from the A-pillar and 1 1/2 inches from the rear. From there they shaved the driprail to give the Chevy a clean top. They also ditched the '72's nose and installed the front half of a '67.
As for the rest of the metalwork, Ed took the truck to Rudy Sandoval. Rudy started off with all the ABCs, such as shaving the door handles, gas filler neck, marker lights, antenna, and so on. From there he shaved the vents in the cowl, the roof seam, and the firewall with a Direct Sheet Metal Firewall. Next up, he moved to the bed, where both sides of the tailgate were shaved clean and the roll pan was molded in. Inside the bed, the traditional wood or steel bed was thrown out for a 1/4-inch slate of steel outfitted with stainless steel strips and a Harley gas cap. Rudy also installed custom LED lights in the rear quarters and the front grille.
With the bodywork finished, it was time to pick a color. Ed knew from the beginning he wanted the truck to be dark red, but he could never find the exact color he was after. In fact, it was nearly three years before his wife, Vicky, spotted a 50th Anniversary Corvette with its metallic red on the freeway, and from there all it took was a trip to the Chevy dealership showroom to seal the deal. B&N then worked the body and sprayed the Corvette Red on the truck.
Inside the heavily worked cab is more of the same extensive metalwork. For starters, the stock dash was smoothed clean until all that was left was a set of Auto Meter gauges painted to match the exterior. Rudy then incorporated the dash and doors to flow into the door panels for a wraparound feel. Ron Magnus Custom Interiors created the custom interior. The custom seat, wraparound kick panels, door panels, and center console were upholstered in tan leather with pigskin inserts. The AccuAir air-ride controls, window switches, and ignition were all hidden in the center console as well.
After six years of watching his dream unfold before his eyes, Ed's vision is no longer a mirage floating above his head. Instead, it's a testament to the fact that all teenage dogmas aren't absurd.


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In this article, we are going to continue our Tomcat Connector discussions with a look at how to configure Tomcat and Microsoft's Internet Information Server (IIS) using the JK v1.2 Connectors.
Note: This article assumes that you have completed the steps from the previous article, "Configuring Tomcat and Apache With JK 1.2." If you have not already completed these steps, please go back to the article and complete steps 3-7.
To connect IIS to the Tomcat server, we are going to leverage a Microsoft technology called ISAPI. We don't need to know much about this technology; we simply need to make use of an existing Dynamic Link Library (DLL) that has already been built and is available here.
The file you are looking for is
isapi_redirector.dll, which exists in the
win32/ subdirectory.
Once you have this file, you then need to complete the following steps:
Install IIS as described in its packaged documentation. This article assumes that you will be running IIS 5.x.
Test the IIS installation, by starting IIS and opening your browser to http://localhost.
If everything went according to plan, you should now see images similar to the following.
Now that IIS is installed, it is time to begin the actual integration between IIS and Tomcat. This process can be broken down into two sections: configuring Tomcat, and configuring IIS. The result of our integration will make the Tomcat examples Web application available through IIS.
The complete Tomcat configuration was described a previous article, "Configuring Tomcat and Apache with JK 1.2."
Once Tomcat is configured, it is time to configure IIS. We do this by telling IIS that it should pass all requests to the examples context to Tomcat for processing. This is a relatively simple process and is broken down into the following four steps:
1. Creating a Tomcat Worker File
We begin the IIS configuration, just as we did with Apache, by creating a Tomcat worker definition. This worker definition is used to tell IIS how it is to talk to Tomcat. This is done by creating a Tomcat worker file that contains the definition for at least one Tomcat worker.
Note: We discussed the
worker.properties file in the previous article,
so I will only provide a source listing. If you did not read the previous
article, this would be a good time to check it out.
If this file does not exist, create it, add the previous lines, and copy it to the <CATALINA_HOME>/conf directory of the Tomcat instance that you will be integrating with IIS.
Note: <CATALINA_HOME> represents the base directory of your Tomcat installation.
2. Creating a URI Worker Mapping File
After you have created the worker file, you need to tell IIS which requests will be serviced by the described worker. This is done by creating a file named uriworkermap.properties that contains a list of URI patterns mapped to Tomcat workers. The following listing contains the map for the examples context.
Each of the URI mappings begins with the URI pattern of the request and
the worker with which this pattern should be associated. Our mappings tell
IIS that all static files, JSPs, and servlets in the examples context should
be serviced by the
testWorker. Once you have this file created, copy it to
Tomcat's <CATALINA_HOME>/conf directory.
3. Modifying the Windows Registry
In this step, we are going to create the Windows Registry settings that will be used to point the ISAPI Redirector to our newly-created files.
Note: To add these new registry settings, you will need to use the
REGEDT32.EXE application, which is most likely in your
C:\WINDOWS\SYSTEM32 directory.
Before you can add any of these settings, you must add the following registry key:
Apache Software Foundation
Jakarta Isapi Redirector
Note: These keys must be entered exactly as they are listed above.
After you have the above keys, select the 1.0 key and add the following name/values pairs -- all of which are string values.
These string values are read by the ISAPI Redirector at startup, and are used to initialize IIS. The following table provides a description of each of these variables.
extension_uri variable represents the IIS virtual director, which will be created in the next step, plus the name of the ISAPI redirector file.
worker_file variable tells the ISAPI Redirector the location of the workers.properties file.
worker_mount_file variable tells the ISAPI Redirector the location of the uriworkermap.properties file.
log_file variable defines the name and location of the ISAPI Redirector's log file.
log_level variable defines the debug level used when writing to the log file. The possible values are
error, and
Once you have added the appropriate keys and variables, your registry should resemble the following figure.
4. Configuring the ISAPI Redirector
We are now at our final step. In this step, we are going to actually tell IIS when to use the ISAPI Redirector. To do this, we need to complete all of the following steps:
Copy the isapi_redirector.dll file to your <CATALINA_HOME>/conf/ directory.
Open up your Windows Control Panel.
Open the Administrative Tools Application.
Open the Internet Information Services Application. You should see an image similar to the following:
Expand your local computer entry, until you see the default Web site.
Right-click on the default Web site and select Virtual Directory from the New menu.
Select the Next button and enter the value tomcat in the Alias text box.
Browse to the directory containing your isapi_redirector.dll file, which in our case should be <CATALINA_HOME>/conf/ and select the Next button.
Now make sure that you have the permissions set to read, run, and execute.
Now continue through the Virtual Directory Wizard, until you reach the end and then select the Finish button.
We now need to add the ISAPI Redirector to the default Web site, so right-click on the default Web site and select the menu item Properties.
Select the ISAPI Filters tab and press the Add button.
Enter a filter name and browse to the location of the isapi_redirector.dll file. The following image shows the values that I have used in my instance.
Now press the OK button until you are back at the Internet Information Services dialog.
At this point, everything should be properly configured and you can now test your changes. To do this, you must first start Tomcat and then restart the IIS server. When both servers are up and running, open your browser to one of the following two URLs and browse around testing your new integration:
Related Reading
Apache: The Definitive Guide
If you have trouble, check the following items:
1. Double-check the settings in the registry file; they must be entered exactly as they are listed.
2. Make sure the tomcat virtual directory points to the location of the isapi_redirector.dll and the permissions are set to read, run, and execute.
3. Open the ISAPI filters dialog and make sure that the tomcat filter has a green arrow next to it. If it does not, then check the Executable entry on the Filter Properties dialog.
4. Make sure the values of your workers.properties and uriworkermap.properties files contain the previously listed values.
5. If you still cannot find the problem, then open the log file <CATALINA_HOME>/logs/jk_iis.log and see if you can diagnose the problem from the ISAPI Redirector's output.
That about does it for the basic IIS/Tomcat configuration -- in the next Tomcat article, I will take another look at server.xml while we configure Tomcat to receive requests from Apache and the JK2 Connectors.
James Goodwill is the co-Founder of Virtuas Solutions, LLC, a Colorado-based software consultancy.
Read more Using Tomcat columns.
Return to the ONJava.com.
Copyright © 2009 O'Reilly Media, Inc.


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10 best colleges for hippies
Published On: Feb 08 2012 01:06:28 PM PST Updated On: Aug 10 2012 08:16:11 AM PDT
Are you a Birkenstock-wearing, self-professed tree-hugger? You'll feel right at home at the 10 best colleges for hippies.
The views expressed are not those of this company or its affiliated companies. By posting your comments you agree to our Terms of Use.


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Overview and History
2013 BWF World Junior Championships - Bangkok, Thailand
The 2013 BWF World Junior Championships will be held in Bangkok, Thailand from Wednesday 23 October to Saturday 03 November 2013.
The Suhandinata Team Cup championships will start from Wednesday 23 - Sunday 27 October while Individual Events for the EYE LEVEL Cups will start from 29 Oct - 03 November 2013.The seeding for individual events will be decided at the team managers meeting on 28 October 2013
The Committe of Management will decide the seeds based from the Continental Confederation's recommendation, players performance at the Suhandinata Cup and also using the latest world ranking and Junior World ranking as a guideline.
Organisers Website: LINK
Request from the organisers :
Partiticpation teams are required to submit the following documents to the organisers:
Team andIndividual Draw Information
The draw for World Junior Mixed Team championships for Suhandinata Cup was held on Friday 11 October time 1500hours at BWF headquarters in Kuala Lumpur. The Individual Championships for EYE- LEVEL Cups will be held on Monday 28 October 2013, 10am at the Individual team managers meeting in Bangkok .
Travel Grant:
BWF is pleased to inform MA's that World Junior Championships 2013 Participation grant is again available for needy Member Associations. For more details please read the information on Travel Grant.
Techincal officials
BWF Medical officiers:
Key Dates:
Various forms - published on 9 Aug 2013
Mixed Team Championships - 23 to 28 October
Team Championships Team Managers Meeting
The Individual Team Managers Meetting as follows:
Welcome Dinnner :
Related Links:
» Destination Dubai World Superseries Finals
» Tournament Calendar
» BWF World Ranking
» BWF Destination Dubai Rankings
» Head to Head
» Contact us
Tournament Calendar
BWF World Ranking
Rules and Regulations
Anti Doping Regulations
Unit 17.05 Level 17
Amoda Building
22 Jalan Imbi
55100 Kuala Lumpur
Tel: +6-03-2141 7155
Fax: +6-03-2143 7155


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The Duke and Duchess of Cambridge are moving into a grand new state apartment, which they will be renovating over the next year.
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I have (at least I think this is what it is) plugged ducts on my left side. There's a painful mass about the diameter of a hot dog and maybe an inch and a half long right up against my chest on my left breast. I don't know what to do- I've tried ice packs, and pressure massage, and I've been having my baby nurse as much as possible on that side (without neglecting the other side).
My baby keeps punching the sore part of my breast, and it just leaves me sobbing it hurts so much (and she thinks it's funny, little stinker ). I'm also afraid I'll get mastitis again! Is there anything else I can do? Nothing seems to be helping!


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Jim Cramer's 'Mad Money' Recap: Next Week's Game Plan
NEW YORK (TheStreet) -- One day we'll get to talk about stocks again, Jim Cramer told his "Mad Money" TV show viewers Friday, but unfortunately that day will not be today as Washington continues to dominate the financial headlines. That's why Cramer said his game plan for next week's trading is identical to this week's: sell first and ask questions later.
Other than the continued hardline discussions in Washington, Cramer said the only number that will move the markets will be Friday's jobs report. Here again, it's a "good news is bad news" situation as putting more people back to work will be seen as the time Ben Bernanke will drop the boom on interest rates.
Outside of Washington, Cramer said he'll be watching Paychex
Wednesday brings more comments from Bernanke, which may help to soothe fears for Friday, Cramer noted. Also on Wednesday, seed giant Monsanto
Also on the watch list are two high-yielders, Clorox
Cramer said his advice is to continue to raise cash and wait for the moment a budget deal is reach, because even a bad deal will give the market certainty and only then will it be allowed to head higher.
No Huddle offense
In his "No Huddle Offense" segment, Cramer explained what he means by a great "regional to national" story. He said in the case of Dunkin Brands


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Today's focus: "Ms. H"
Household members: 4
Children: 2
Special circumstances: "Ms. H" is a single mother who recently moved to Clovis from Pennsylvania. She has been unable to work and is living with her mother. She has no money for Christmas.
Her holiday hopes: For her children to have gifts at Christmas.
Clothing needs: Boys shirt sizes juniors 16-18 and 4T. Boys pants sizes 16-18 and 4T. Boys shoe sizes 9 and 11.
Toys list: Remote control cars (two).
The Empty Stocking Fund is a joint effort of the Salvation Army and Freedom New Mexico. Recipients receive gifts and clothes for their children and some may receive baskets of food with green beans, stuffing, mashed potatoes and a meat voucher from a local grocery store. Larger families may receive donated turkeys instead of the voucher. The food baskets will also go to seniors on fixed incomes.
Who's helped: Around 600 families who've asked the Salvation Army to help make Christmas special.
Donations: Can be dropped off at the CNJ, 521 Pile St., or mailed to the CNJ, P.O. Box 1689, Clovis, NM 88101. Envelopes should be clearly marked "Empty Stocking Fund."
Contributions will be forwarded to the Salvation Army office, 317 E. Second St., or gifts may be purchased for specific children by choosing an Angel tag off trees located at North Plains Mall and Wal-Mart in Clovis.
If you would like to help "Ms. H," call Capt. Tammy Ray at the Salvation Army at 762-3801.


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"G'day to all the good folk at Catholic Answers. Words cannot express the invaluable service you provide to the world. Your faith tracts are fantastic and should be a must-read. Catholics need to be equipped with the history and the truth."
~ Douglas, Mittagong, Australia
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"If you should acknowledge and love Christ you would give up not only all the treasures of this life, but even the glory of your crown itself to win eternal life."
~ Pope Urban II, at the Council of Benevento (A.D. 1091); explaining the boundaries of Holy Orders as set forth in Holy Scripture and in the authentic writings of the Apostolic Fathers (from the article "Subdeacon")


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Come on in! Welcome to the website for the Department of Psychology at Loyola University Maryland. My name is Matthew Kirkhart. I am the chair of the department and, hopefully, your helpful guide on your journey through out website. The Psychology Department at Loyola University Maryland is made up of a group of fantastic faculty, administrators, and staff who are all committed to the strong educational mission of the university. And with this in mind, I would like to start off by introducing the newest members of our staff and faculty.
First, I want to welcome Ms. Elizabeth Stover to our staff. She started in November of 2014 and has been performing several important administrative duties, not the least of which is providing logistical support for all the externships completed by our undergraduate, Masters, and Doctoral students. This is an extremely large, and invaluable, service to our department and our students! Welcome Elizabeth!
And now for the welcoming of the new full-time faculty! Two alumni of our own doctoral program, Dr. Katherine Hadley Cornell and Dr. Cara Jacobson, are joining our full-time faculty this year. Dr. Cornell has been supervising our graduate students at the Loyola Clinical Centers off-and-on for several years, and we are very happy to have her joining us as a full-time affiliate assistant professor. Likewise, we are happy to be adding Dr. Jacobson to our full-time faculty. She will be teaching a number and variety of courses for us, but she is especially known for her work in couples therapy. Dr. Crystal Willoughby also joins out full-time faculty this year after teaching several graduate courses for our department over the past couple of years. She is very active in community work and service, and in the classroom specializes in teaching courses in assessment. We are also pleased to add Dr. Emily Dow to our full-time faculty. Like Dr. Willoughby, Dr. Dow has taught several courses for us in the past on a part-time basis. She is an expert in undergraduate education and teaches a variety of courses for us, including courses in research methodology and developmental psychology. The department is also pleased to welcome two new full-time faculty to our ranks, Dr. Ana Navarro Cebrian and Dr. Andrew Futterman. Dr. Cebrian is serving as a Visiting Assistant Professor for the 2015-2016 academic year. A cognitive psychologist, Dr. Cebrian will be teaching a variety of cognitive and biological psychology courses. Dr. Futterman enters our ranks as a tenured Full Professor coming to us from Holy Cross after having a long and successful career at that institution. Although impossible to sum up in a sentence, Dr. Futterman has focused on a number of things during his career. Currently, his focus is on a number of psychological issues associated with aging, and on collaborating with the Biology department on the Health Professions Advisory Committee.
The department is a vibrant community of teachers, scholars, clinicians, students and staff united in their dedication to the highest standards in education and training for future psychologists and the promotion of the discipline of psychology. Throughout this site you will find information about the exciting research, leadership, advocacy and training activities that our faculty and students engage in every day. The best way to discover these things is to click on the various program and faculty pages. Be sure to check out the link to the Loyola Clinical Centers as well, especially if you are interested in the graduate programs we offer.
We hope that you find what you are looking for on our site, whether that is information about the psychology major or our graduate programs, information about current research opportunities, updates on your favorite faculty and alumni, or general information about the field of psychology and Loyola University Maryland. If you cannot find what you need, or you have ideas or information to contribute to our site, please contact Ms. Traci Martino at 410-617-2175 or email@example.com.
Thank you!
Dr. Matthew Kirkhart
Matthew W. Kirkhart, Ph. D., Associate Professor
Chair, Department of Psychology
Loyola University Maryland
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