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Dangerous power g4
Invert too loader
Vforce profilers
Ninja grey ghost 68/4500
Rate my 1st setup
Started by Mexicanwhiteboy, Nov 20 2012 04:24 PM
4 replies to this topic
Posted 20 November 2012 - 04:24 PM
Posted 20 November 2012 - 06:24 PM
Pretty good! Remember to keep the marker lubed and well maintained. If you do that, then it won't let you down.
Also, welcome to TechPB!
Also, welcome to TechPB!
Swap my Ego 11 parts! OG green for white, black, silver etc.... http://www.techpb.co...1
My feedback- http://www.techpb.co...howtopic=217960-
My feedback- http://www.techpb.co...howtopic=217960-
Posted 20 November 2012 - 06:59 PM
Thanks one question do you know what type of lube I should use
Posted 20 November 2012 - 08:03 PM
Thanks one question do you know what type of lube I should use
Almost any type of paintball grease except the Dangerous Power supplied one I would say...
Some popular choices:
- Eclipse Grease
- Dye Slick Lube
- Hater Sauce
- Monkey Poo
- Dow 33
- GoG Greese
- Smart Parts Sleek Lube
Posted 20 November 2012 - 08:13 PM
well some people say lube is lube but its all up to you and what you wanna use i from the north east b4 i moved so it was sleek lube for me the field owner and friend of mine said in colder areas of the county dye lube is bad but idk if they changed there formula for it but its all up to you and what you think is the best
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Your youngster looks up to you and wants to be just like you. Monkey See, monkey do. Get him this tank from Quiksilver that symbolically shows that passion and bond. It features a printed graphic of a monkey wearing shades on the front. Isn't it cool to have a mini you?
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This picture shows the central region of the globular cluster M15 as imaged by the Wide Field/Planetary Camera of the Hubble Space Telescope. M15 is a tightly bound cluster of about a million stars contained within our own galaxy. At the center of the image, the density of stars is roughly a million times what it is in our own part of the galaxy. Analysis of this image shows that M15 is now recovering from an implosion in which the stars in the cluster center collapsed into a dense aggregate. This image has been processed to remove the effects of spherical aberration. At the distance of M15, the region shown is 2.26 light-years on a side.
Object Names: M15, NGC 7078
Image Type: Astronomical
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Champagne/Gray Crystal Convertible Necklace
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Vermont does have a gun problemJuly 31,2013
Vermont does have a gun problem
Gov. Shumlin has stated: We make our children our number one priority in Vermont. But we cant be satisfied; Vermont should lead the nation in ensuring that all children have the opportunity to live healthy, productive lives (Valley News, June 25). However, his stance on reducing gun violence is in direct conflict with that statement. Indeed, Gov. Shumlin maintains that reducing gun violence is a 50-state issue and opts to leave the work to the federal government. The governor also maintains that we do not have a gun problem in Vermont.
As a former resident of a town adjacent to Newtown, Conn., I can assure you that Newtown didnt think it had a gun problem either. The fact is that we do have a problem Vermont has the highest rate of gun deaths in New England, mostly by suicide; Vermont has the 12th highest suicide rate (majority are via guns) in the country and the highest in the Northeast; Vermont is 16th in the nation in exporting guns later found in crimes throughout the country and exports more guns per capita than any other New England state (data sources available at gunsensevt.org).
While nothing can be done to completely eliminate gun violence, the fact is that measures can indeed be taken here at home to make gun-related injuries and deaths less likely by making it more difficult for guns to fall into the wrong hands, whether they are the hands of criminals, young children, or someone contemplating suicide. To be clear: I am not talking about banning anything, but simply taking action to 1) ensure universal background checks for all gun purchases, 2) enhancing gun education and safe storage, and 3) enforcing laws and enacting strict punishment for those who traffic guns or do not handle them safely. For our childrens sake, I encourage our governor, legislators and residents to take action now and not wait for another large-scale tragedy to motivate us.
David Bucci
NorwichMORE IN LettersA sixth-offense DUI gets plead down to a misdemeanor. A breathalyzer is refused. Full StoryBurr Morses recollection (Whats good for the goose, Nov. Full StoryMSNBC news analyst Rachel Maddows report on the election of Republican Rutherford B. Full Story
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The deadline for Americans to sign up for the government's new health insurance program for 2014 is finally here. But many trying to meet that deadline found the healthcare.gov website out of service. Sally Kidd reports from Washington.
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Dinosaurs in Iowa
Did dinosaurs once live in Iowa? The simple answer is: "Yes, without a doubt!" Iowa has rocks like those where fossils have been found in nearby states. Surely dinosaurs didn't stop at the state lines. However, the actual proof is limited to just a few fossils.
The Age of Dinosaurs
Dinosaurs ruled the land for about 170 million years, during the Late Triassic, Jurassic and Cretaceous periods. Close to 65 million years ago, a mass extinction ended the "Age of Dinosaurs." The best evidence of dinosaurs in Iowa is found in rocks from the Cretaceous period.
Cretaceous Creatures
About 95 to 100 million years ago, the climate was much warmer. Iowa rivers drained to the west where there was a sea. Mud, clay and sand (sediments) carried in these ancient rivers sank to the bottom. Sometimes, the bones of an animal became buried within the sediments. There, the bones were protected. The sediments, and the bones inside, eventually hardened into rocks. Rocks from this time period are known as the Dakota Formation.
In 1928 the first dinosaur fossil of the Dakota Formation was found on the Missouri River bluffs near Decatur, Nebraska. This is only about one mile from the Iowa border.
The fossil was a piece of a femur (leg bone). It has not been completely identified. However, its features show that it was a large ornithopod. Ornithopods were two-footed, plant-eating dinosaurs. The femur likely came from an early hadrosaur. Hadrosaurs are the "duck-billed" dinosaurs. They were the most numerous and diverse group of dinosaurs at that time in North America.
Since then, other dinosaur fossils have been found in northern Kansas, eastern Nebraska, and Minnesota. They include more hadrosaur bones, three-toed ornithopod footprints, and partial skeletons of ten-foot-long, heavily armored ankylosaurian dinosaurs known as Silvisaurus.
In 1982 a piece of fossil bone was found in Guthrie County. The small fragment was discovered in Dakota Formation river gravels. To see if it came from a dinosaur, the piece had to be studied under a microscope. Then scientists could see that it had bone structure much like typical dinosaur bones. Finally, Iowa had a Dakota Formation dinosaur fossil of its very own.
Mosasaurs and Pterosaurs
During the later Cretaceous Period, the shallow sea covered western Iowa. Plesiosaurs (marine reptiles) swam through the waters in search of fish and other prey. Their fossilized bones have been found in the layers of shale and chalk that were once the bottom of this sea. Mosasaurs (giant sea lizards) and pterosaurs (large flying reptiles) were also common. Their fossils have been found in similar rock layers of the same age in nearby areas.
Occasionally a dead dinosaur would float out to sea and settle to the bottom. Hadrosaur and ankylosaur bones and teeth have been discovered in similar rocks in Minnesota, South Dakota and Kansas. This makes scientists believe these dinosaurs may have also lived in what is now western Iowa.
Dead Dinosaurs on the Move
Long after the dinosaurs were extinct, huge glaciers moved up and down Iowa. During the "Ice Age" (the last 2.5 million years), advancing glaciers gathered rocks from the northern Great Plains. As the glaciers melted, they dropped lots of these rocks in Iowa as gravel. Two dinosaur bones have been found in Iowa's glacial gravels. These are the best dinosaur fossils found in the state so far.
Charlie Gillette of Dickinson County found a dark-colored, three-inch fossil bone. He picked it out from a load of landscaping rocks that came from a nearby gravel pit. His uncle, Jack Neuzil was a retired educator and dinosaur fan. He thought the bone could be from a dinosaur. An expert later identified it as a tail vertebra, possibly from a hadrosaur.
Then a second dinosaur vertebra from Iowa came to light. Doris Michaelson of Bellevue read a newspaper article about dinosaurs in Iowa. She took a bone in to the Iowa Geological Survey. The bone had been found by her father, John Holdefer. Sometime in the mid-1930s, he picked up the fossil bone from a conveyer in a gravel pit near Akron in Plymouth County. The bone had been kept on a shelf. Sometimes, the family used it as a doorstop. That doorstop turned out to be a four-inch dinosaur vertebra, likely from a hadrosaur.
Luck of the dinosaurs
To discover dinosaur bones, you need to understand a region's geology (where to look), have lots of patience (keep looking), and be a bit lucky. It's only a matter of time before someone finds the next dinosaur fossil from Iowa. So keep looking!


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actor dies
Whatever goes... remember, this is a family forum
6 posts • Page 1 of 1
Another actor dies-Jackie Cooper dies at the age of 88. Died of sudden illness
Re: actor dies
Thanks duffy, I hadn't heard. May he RIP
Those who intentionally live off another's labor will always want more free stuff!
Re: actor dies
Heared it on the news last night.I forgot what he played in.Does anyone know?Never mind just found out. The little rascals.
Re: actor dies
He also played Perry White in 4 of the Superman movies, among other roles:
Re: actor dies
Prayers and thoughts for his family
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Freedom New Mexico
Editor's note: R.C. Hoiles was founder of Freedom Communications, parent company of our newspaper. In conjunction with the company's emergence Friday from bankruptcy and the changing ownership from the Hoiles family, we're dedicating this week's editorial pages to remembering Hoiles' philosophies.
Here's what Hoiles had to say about newspapers:
• "What this country needs as much as anything else are newspapers that believe in moral principles and have enough courage to express these principles and point out practices and beliefs that violate moral principles.
"A newspaper that only tries to run editorials and columnists and news items that are popular is of mighty little value to its readers."
• "A newspaper that is afraid of losing subscribers because of principles is of little value to itself or anyone else. It might make dollars but its publisher loses his own self-respect — his own soul."
• "There were more crusading newspapers in years gone by than there are today. Today too many newspapers are afraid of offending somebody and losing a dollar by taking an unpopular position. The result is that they cease to develop, cease to be of much use in their community as far as getting people to better understand human relations that will promote goodwill, peace and prosperity."
• "A newspaper has a responsibility because it is the most economical method of exchanging ideas. A newspaper that is afraid to discuss things that are 'sacred cows' to the majority will be afraid to handle news stories that might cost it advertising or subscriptions. A newspaper that hides behind its columns and will not answer any or all questions about what it is advocating is not a real newspaper and is of little value to its readers."


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"The oboe student will be fully immersed in the study of the oboe including historical background and pedagogy, solo literature, etudes, important orchestral excerpts, and reed-making. Performance opportunities abound through University Bands, Orchestra, Woodwind Quintet, and Double Reed Ensemble."
Dr. John Viton, Associate Professor of Music at Morehead State University, holds the DMA, MMA, and MM from Yale University, and the BM from Bowling Green State University. Primary oboe teachers include Robert Bloom, Ronald Roseman, and John Bentley. At MSU, Dr. Viton teaches Applied Oboe, and Music Theory, is Coordinator of the Music Theory Program, and oboist in the Baird Winds, the resident faculty woodwind quintet at MSU. Formerly Principal Oboe of the Columbus (GA) Symphony Orchestra and Professor of Music at Columbus College (now Columbus State University, Dr. Viton has also performed in the Lexington Philharmonic Orchestra, the Huntington Symphony Orchestra, and various chamber music ensembles throughout the region. Active as an adjudicator and clinician, Dr. Viton has been the featured oboe artist at Double Reed Days at Marshall University and Bowling Green State University. He has participated in the Festival International d'Evian in Evian, France, the Bach Aria Institute and Festival at the State University of New York, Stony Brook, and the Yale Summer School of Music and Art in Norfolk, Connecticut. Dr. Viton was an Artist/Teacher at Blue Lake Fine Arts Camp in Michigan for ten summers and was recently inducted into the Fremont (OH) Ross High School Music Hall of Fame.
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Vic Carucci: They call it 'Bills Weather' [9:32 PM]
NFL.com reports: With just under two minutes showing on a clock barely visible behind a sheet of white, the song playing over the public address system best summarized the events and emotions in Ralph Wilson Stadium Sunday.
"...Let it snow ... let it snow ... let it snow..."
Williams great effort wasted [7:13 PM]
Dolphin Digest reports: 'The Dolphins defense had no answers for the passing of Drew Bledsoe and also didn't help their cause with three turnovers, giving them nine in their two losses against Buffalo this season.'
Buffalo 38, Miami 21 [6:22 PM]
UPI reports: 'The outcome left the AFC East race wide open with four weeks remaining in the season. No matter the result of the New York Jets-Oakland game Monday night, only one game will separate the four teams in the division.'
Bills 38, Dolphins 21 [4:36 PM]
AP reports: 'The Bills' defense also made a significant contribution, forcing three turnovers after getting none the last three games.'
Buffalo 38, Miami 21 [4:35 PM]
Sportsticker reports: 'The Miami Dolphins were snowed under by Drew Bledsoe and the Buffalo Bills.'
Dolphins quarterback Ray Lucas injured against Bills [4:34 PM]
AP reports: 'Miami Dolphins quarterback Ray Lucas suffered a stinger in his neck early in the third quarter against the Buffalo Bills and was replaced by usual starter Jay Fiedler.'
Miami at Buffalo Game Preview [10:37 AM]
Pro Football Weekly reports: Miami�s getting hot and Buffalo�s going cold. The one advantage for the Bills is the game is in Buffalo. However, unless Drew Bledsoe really lights it up and Ray Lucas has to start for Miami and lays an egg, the Bills could win � otherwise, you�ve got to go with Miami.
Bills-Dolphins: Audio Game of the Week [10:27 AM]
CBS Sportsline reports: Listen to game if you can not be there.
8. Miami Dolphins at Buffalo Bills [10:19 AM]
ESPN reports: The worry for the Dolphins is that the Bills are desperate. They can see that their season is crashing. The defense is allowing 28 points a game, which would break a franchise record. In seven games, they haven't forced a turnover. The defense has only 16 turnovers all season. And everyone warned the Bills that Drew Bledsoe didn't have the luxury of hitting a slump. He has.
Gunmen shoot, kill former Bills LB Covington [10:12 AM]
ESPN reports: Damien Covington, a former linebacker for the Buffalo Bills, was shot to death by robbers Friday night during a party at an apartment. Covington tried to fight off at least two assailants before being shot several times, Bill Shralow, a spokesman for the Camden County Prosecutor's Office, said Saturday.
Bills' drive for five begins against Dolphins [9:26 AM]
Buffalo News reports: 'It also might require the Bills to run the table, in other words, win their last five games. That appears to be a tall order for a team that hasn't won five straight in a season since 1998.'
Snow might mean 'go' for Henry and Williams [9:25 AM]
Buffalo News reports: 'Forecasters at the National Weather Service are calling for lake-effect snow to reach the Southtowns this afternoon. Snowfall is expected to reach up to a foot.'
Bills hit backstretch with too many questions, not enough answers [9:25 AM]
Buffalo News reports: 'He flunked again between his first season and his second when the only change he made was bringing in Kevin Gilbride as offensive coordinator, and there is a deep suspicion that Gilbride's hiring was Donahoe's idea.'
Rookie Rewards [9:24 AM]
Buffalo News reports: '"I think Josh wants to prove to himself that he can be better than his father was to him," said Margaret Reed, Josh's mother. "His father was never a factor in his life and wasn't there when he needed to be. Josh wants to give his son the best things. Not material things that can spoil a child, but just things to provide a good life for his son."'
Bills, Sabres are both in good hands [9:24 AM]
Buffalo News reports: 'Fans in many cities with National Football League and National Hockey League franchises wish they were in the same situation as Buffalo. Buffalo, a city filled with pessimists and critics about most things, including their sports franchises, have every reason to be positive about the Buffalo Bills and now, with its new ownership, the Buffalo Sabres.'
Miami no longer climate controlled [5:45 AM]
D and C reports: 'In other words, the Dolphins, not the Bills, are better-equipped to play the �good old-fashioned football� Williams speaks of.'
Q&A with Charlie Rogers [5:44 AM]
D and C reports: '��Yes and no. I mean, I�m happy to be on the East coast and in Buffalo. It�s a great organization with a lot of history, but no way did I expect us to be 5-6 right now. I expected much better. Coming off the bye, we had it rolling and I thought we�d be two games in first place by now. It�s tough when you know that you�re better than what you�re performing.��'
Bills can stay in race with win over Miami [5:43 AM]
Olean Times Herald reports: 'The Buffalo Bills� fading playoff hopes are on week-to-week life support.'
Bills are looking to chill the Fish [5:42 AM]
Toronto Sun reports: '"It's all on them," Bills safety Pierson Prioleau told the Buffalo News about today's guests, the Miami Dolphins. "They're in 80-to 85-degree weather, chillin', having fun in the sun. They come up here where it's going to be about 20 degrees with the wind blowing and snow in the air."'
For local networks, picking NFL games can be tricky [5:41 AM]
Syracuse Post Standard reports: '"Because we are a Buffalo must-carry market, we had to carry them regardless," Herwood says. "That was kind of disappointing to ourselves and to our audience."'
Henry balances the Bills' offense [5:40 AM]
Miami Herald reports: 'In three of Miami's four losses, the Dolphins allowed 100 or more yards rushing. In the fourth loss, to the New York Jets, Miami allowed 97 yards rushing.'
Taylor's season to remember [5:39 AM]
Miami Herald reports: 'With 11 sacks in 11 games, he leads the 7-4 Dolphins into a critical game against the 5-6 Buffalo Bills at 1 p.m. today at Ralph Wilson Stadium.'
Taylor family's history becomes part of trial [5:38 AM]
Miami Herald reports: 'Although the issue at hand is whether Anthony Taylor reached for his gun, the underlying question is how did he and his adoptive son, Dolphins defensive end Jason Taylor, get to this point in their relationship?'
Taylor of the tape [5:37 AM]
Fort Lauderdale Sun Sentinel reports: 'For several weeks, Taylor has been as good as anyone.'
Kelly leaves Dolphins feeling green [5:36 AM]
Fort Lauderdale Sun Sentinel reports: 'In no time, the Dolphins' 1989 season got off on the wrong foot.'
The edge: Dolphins vs. Bills [5:35 AM]
Fort Lauderdale Sun Sentinel reports: 'The weather is very changeable at this time of the year, and that can mean wind and the freezing cold that comes with it. That's Bills weather, and they're used to it. Buffalo has lost two in a row, but it will always get up for the Dolphins. Edge: Bills.'
Rolling up the sacks [5:35 AM]
Palm Beach Post reports: 'This week, however, he has read a clipping from The Buffalo News. The last time the Dolphins played the Bills, Taylor was held without a sack, and left tackle Jonas Jennings was given, he feels, too much credit. After all, Drew Bledsoe was sacked five times, even if Taylor did not pick up one of them.'
Dixon returns to site of bad break [5:34 AM]
Palm Beach Post reports: 'With 46 seconds left in the first quarter of last year's game at Buffalo, Mark Dixon's right fibula snapped. Ligaments were torn. His season, if not career, was over, that much he knew.'
Williams nears mark set by another Williams [5:33 AM]
Florida Today reports: 'Lucas, meanwhile, will be much more prepared to face the Bills this time. He has played increasingly better each week since that Buffalo game and played particularly well against the Chargers last Sunday.'
Lucas settles in Miami [5:32 AM]
Boston Herald reports: 'Opponents have stopped blitzing Drew Bledsoe and are concentrating on dropping the safeties to take away the big passes to Eric Moulds and Peerless Price. The results: In the last two games, Moulds has six catches for 60 yards, Price has 10 catches for 89 yards. The results of that: The Bills have scored one touchdown in each of the last three games.'
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Mutual Funds FAQs
Mutual funds, like all investments, can occasionally be perplexing. Often when a specific mutual fund or ETF question comes to mind, no obvious source for an answer is apparent.
Here is a list of practical answers to frequently asked mutual fund questions. This quick reference guide is designed to be a "go to source" for answers to your mutual fund investing needs.
AAII's Mutual Fund area is your key to successful investing.
Join AAII
Mutual Funds: Diversification
Mutual Funds: Size
Mutual Funds: Portfolio Managers
Mutual Funds: Load Mutual Funds v.s No-Load Mutual Funds
Clone Mutual Funds: Share Classes
If a mutual fund closes before I have a chance to invest and a clone is available, should I invest in the clone fund?
Mutual Fund Expenses
Should I be concerned with mutual fund expenses? After all, it's already reflected in the fund's performance numbers.
Measuring the Risk of Mutual Funds
Buying Mutual Funds
Mutual Funds: Diversification
How many different mutual funds should I own?
The number of mutual funds suitable for an individual investor will vary depending on individual circumstances—there is no universal number that applies for everyone.
However, as a useful yardstick, consider the range of funds derived from the rationale that diversification should be one of every investor's goals. Simple but broad diversification would imply four funds: a domestic equity mutual fund, a domestic bond mutual fund, an international stock mutual fund and an international bond mutual fund. Dividing the domestic equity portion into two funds—one specializing in small stocks and the other in larger capitalization stocks—brings the count up to five. Splitting the international equity portion into mutual funds specializing in developed economies and funds specializing in developing and emerging economies makes six. If you prefer a separate European fund and Far East fund, the total is up to seven. Building diversity in your domestic bonds by adding a junk bond fund stretches the number of funds to eight. And if we include a money market fund, the number is nine.
The benefits of diversification are difficult to achieve with commitments of less than 10% of your portfolio to any one area, which sets the upper range at not much more than 10 mutual funds. Thus, diversification implies a range of around four to nine mutual funds—all unique in investment objective and security coverage.
Overdiversification results in fund investments that essentially duplicate each other; this adds nothing to performance, but it will add frustration as well as cost in keeping track of and monitoring so many funds.
Should I make sure to invest in more than one fund family for diversification?
No, it is possible to stay within a mutual fund family and be adequately diversified. However, there is a danger in remaining doggedly within one fund family solely for convenience, and that is that you could overlook a better-managed fund elsewhere. For instance, rather than seek out the best international mutual fund, you may choose the one offered by the fund family you are in currently because it is most convenient.
Mutual Funds: Size
Can a mutual fund be too large?
Yes. But it can also be too small. The benefits or stigmatisms of size depend on the segment of the market that the mutual fund operates in, as well as its investment style.
For example, when it comes to a U.S. government bond mutual funds, a behemoth is probably best. Large mutual funds have lower costs, as a percentage of total assets, and the U.S. government bond market is one of the most efficient in the world, able to handle large transactions without significant price changes. Similarly, large asset bases benefit corporate bond mutual funds by spreading expenses and because credit risk is spread more widely among different issuers.
On the equity side, index mutual funds can benefit by size because expenses can be spread more widely. Index mutual funds are passively managed—that is, there is no portfolio manager who is constantly making investment decisions, so the investment advisory fee is low. A low annual expense ratio is one of the advantages of investing in these kinds of funds.
However, size can be a detriment to actively managed stock mutual funds. These funds may lose some flexibility when assets reach $500 million and many eventually close before reaching $1 billion because of trading and stock selection difficulties. Actively managed mutual funds that focus on larger companies begin to resemble index funds when assets are large and spread over many stocks, so you may be receiving a near market index return while paying extra for active management.
Size can also be a detriment to mutual funds specializing in small stocks. These stocks have less trading volume, and it can be difficult to trade larger positions without affecting prices (pushing prices up on purchase, and down when sold).
The change in size of a mutual fund may also impinge on certain fund managers' investment styles. For instance, a small stock fund manager may essentially be a stockpicker whose success draws substantial new money into the fund, and his performance may slip as he attempts to digest the new infusion of cash.
Portfolio Managers
Should I switch out of a mutual fund if the portfolio manager changes?
No. The change of a portfolio manager is not reason, in and of itself, to leave a fund. Instead, monitor the mutual fund closely to make sure the new manager is continuing the old manager's style, and that any changes won't significantly affect your investment. New portfolio managers have been known to take command of a mutual fund and sell off securities, reflecting a change in style. A significant portfolio realignment might mean greater capital gains distributions, and therefore taxes, unless you hold the mutual fund in a tax-sheltered account. On the other hand, if the mutual fund is an index fund or less actively managed, the portfolio manager may not be all that important. Or the new portfolio manager may continue with the old style and perform just fine.
Switch to a mutual fund with a similar investment objective only when the performance of your fund falls off against other funds with the same investment objective, or if your existing fund changes objectives so that it no longer reflects the objective you are seeking.
Load Mutual Funds vs. No-Load Mutual Funds
What's the advantage to investing in no-load mutual funds or low-load mutual funds?
Investors should realize that:
- A load is a sales commission that goes to the seller of the mutual fund shares;
- A load does not go to anyone responsible for managing the fund's assets and does not serve as an incentive for the fund manager to perform better;
- Mutual funds with loads, on average, consistently underperform no-load funds when the load is taken into consideration in performance calculations;
- For every high-performing load mutual fund, there exists a similar no-load or low-load mutual fund that can be purchased more cheaply;
- Loads understate the real commission charged because they reduce the total amount being invested: $10,000 invested in a 6% front-end load fund results in a $600 sales charge and only a $9,400 investment in the mutual fund;
- If a load mutual fund is held over a long time period, the effect of the load, if paid up front, is not diminished as quickly as many people believe; if the money paid for the load had been working for you, as in a no-load fund, it would have been compounding over the whole time period.
The bottom line in any investment is how it performs for you, the investor, and that performance includes consideration of all loads, fees, and expenses. There may be some load mutual funds that will do even better factoring in the load, but you have no way of finding that fund in advance. The only guide you have is historical performance, which is not necessarily an indication of future performance. With a heavily loaded mutual fund, you are starting your investment with a significant loss—the load. Avoid unnecessary charges whenever possible.
How do I distinguish a low-load mutual fund from a load mutual fund?
It is best to stick with no-load or low-load mutual funds, but they are becoming more difficult to distinguish from heavily loaded funds. The use of high front-end loads has declined, and mutual funds are now turning to other kinds of charges. Some mutual funds sold by brokerage firms, for example, have lowered their front-end loads to 5%, and others have introduced back-end loads (deferred sales charges), which are sales commissions paid when exiting the mutual fund. In both instances, the load is often accompanied by annual charges.
On the other hand, some no-load mutual funds have found that to compete, they must market themselves much more aggressively. To do so, they have introduced charges of their own.
The result has been the introduction of low loads, redemption fees, and annual charges. Low loads—up to 3%—are sometimes added instead of the annual charges. In addition, some funds have instituted a charge for investing or withdrawing money.
Redemption fees work like back-end loads: You pay a percentage of the value of your fund when you get out. Loads are on the amount you have invested, while redemption fees are calculated against the value of your fund assets. Some mutual funds have sliding scale redemption fees, so that the longer you remain invested, the lower the charge when you leave. Some funds use redemption fees to discourage short-term trading, a policy that is designed to protect longer-term investors. These mutual funds usually have redemption fees that disappear after six months.
Probably the most confusing charge is the annual charge, the 12b-1 plan. The adoption of a 12b-1 plan by a mutual fund permits the adviser to use fund assets to pay for distribution costs, including advertising, distribution of fund literature such as prospectuses and annual reports, and sales commissions paid to brokers. Some mutual funds use 12b-1 plans as masked load charges: They levy very high rates on the fund and use the money to pay brokers to sell the fund. Since the charge is annual and based on the value of the investment, this can result in a total cost to a long-term investor that exceeds a high up-front sales load. A fee table is required in all prospectuses to clarify the impact of a 12b-1 plan and other charges.
The fee table makes the comparison of total expenses among mutual funds easier. Selecting a mutual fund based solely on expenses, including loads and charges, will not give you optimal results, but avoiding mutual funds with high expenses and unnecessary charges is important for long-term performance.
My mutual fund just imposed a load. Should I bail out?
If your mutual fund imposed a load, you may be grandfathered in and allowed to invest new funds without a load. But if they do charge a load on additional money you want to invest, you are faced with a dilemma. Don't sell on the news that the mutual fund is going to impose a load, but certainly don't commit new money if you will be charged an unreasonable load.
Clone Mutual Funds & Share Classes
If a mutual fund closes before I have a chance to invest and a clone is available, should I invest in the clone fund?
Most mutual funds close because the portfolio manager feels a larger fund size will hamper his investment flexibility and style. Therefore, it is unlikely that any "clone" fund will in fact be a perfect clone of the original—what would be the point of closing the first one? Clone funds—the Roman numeral II funds—often do not have the same portfolio manager or precisely the same investment strategy as the original. Any mutual fund should be judged independently on its own financial merits.
Almost all fund family Web sites now provide a description of the fund's investment objective along with the name of the portfolio manager.
The mutual fund I'm considering offers class A, B, and C shares. Which one should I buy?
Many mutual funds that have sales charges are offering investors a choice as to how the load will be paid. The different share classes reflect these various options, and generally the choices run somewhat like this: Class A mutual fund shares have a front-end load, a sales commission on the money invested that is charged when the money is first invested; Class B mutual fund shares have a back-end load, a sales charge levied on the value of the fund shares when they are sold, which sometimes decreases and eventually disappears; Class C mutual fund shares might have no front-end or back-end load, but instead contain an annual charge against your fund's value, a 12b-1 load. Other combinations of varying levels of these three loads may also be offered as investment options.
If you intend to be invested in the mutual fund for a long time, opt for the front-end or back-end load option, and avoid a high (greater than 0.25%) 12b-1 charge. If you intend to be in the fund only for a few years, select the mutual fund class that does not charge a front-end or back-end load.
Of course, the best course of action is to avoid all loads, or at least high loads.
Should I be concerned with mutual fund expenses? After all, it's already reflected in the fund's performance numbers.
Mutual fund expenses, including the management fee, reduce fund performance and all quoted return numbers reflect these costs. But the reason to examine past performance is to get an indication of the portfolio manager's skill. And while the performance numbers may provide some indication of the manager's past skill, the future performance of that manager remains uncertain. The only certainty about the fund's future is the expenses, which are assessed regardless of whether a fund's performance has been relatively good or bad.
Exceptionally high expenses are nearly impossible for portfolio managers to overcome relative to similar mutual funds with average or low expenses. The lower the expenses, the better. Mutual funds with low total assets under management, particularly if they are not part of a large family of funds, will have high expenses relative to assets under management. In addition, newly established mutual funds have a high expense hurdle to overcome.
If the expense ratio of a bond fund is approaching 1.00%, or a stock fund 1.50%, think twice before investing. And don't forget that stock index funds often charge 0.25% or less.
Should I pay any attention to the portfolio turnover ratio of a mutual fund?
The portfolio turnover ratio (given in the prospectus and annual report) is the lower of purchases or sales of assets in the fund relative to the average assets in the mutual fund for the year. A turnover ratio of 100% indicates that the dollar value of fund purchases or sales equaled the dollar value of total fund assets during the year. This doesn't mean that every single share was changed once during the year; perhaps only a small portion of the assets were transacted intensely. A portfolio turnover ratio of 200% indicates the portfolio by value was turned over twice during the year, and so on.
Is this important? Yes. The higher the portfolio turnover, the greater the transaction costs, which can hurt the performance of the mutual fund; while these costs are reflected in the fund's net asset value and its performance figures, they are a concern for the future performance as noted in the question above.
Equally important for taxable investors, the higher the turnover, the more likely the mutual fund is to make capital gains distributions; and taxes must be paid on these distributions.
What is high turnover and what is low? Stock funds average around 80% portfolio turnover, and bond funds are close to 100%.
Use portfolio turnover as a tie-breaker. If you find two mutual funds in the same category that are equally appealing, lean toward the fund with a lower portfolio turnover.
Measuring the Risk of Mutual Funds
What does a mutual fund's beta coefficient measure?
This modern portfolio theory statistic measures a mutual fund's volatility relative to a broad benchmark, commonly the S&P 500 index. Although betas are normally associated with stocks, they are also used for bonds.
Beta is typically calculated on the basis of monthly returns over the past three years. A mutual fund that seesaws in perfect sync with the market has a beta of 1.0. Portfolios that are more volatile relative to the S&P 500, such as aggressive-growth funds, have betas greater than 1.0; more conservative investments, such as utility funds, have coefficients of less than 1.0. Beta readings for gold, international, and other mutual funds that move independently of the S&P 500 are not meaningful, so it's wise to check the standard deviation along with beta when you're examining volatility. Both are found in AAII's "Individual Investor's Guide to the Top Mutual Funds" and at Morningstar.com.
What is standard deviation?
The most insightful and dependable barometer for all mutual funds, standard deviation reflects the degree to which returns fluctuate around their average. It is usually based on monthly returns over the past 36 months. The higher the number, the greater the volatility; for a stock fund that has an average annual return of 12% and a standard deviation of 20%, you can expect to earn between 32% and -8% in about two out of every three years.
A useful summary statistic, standard deviation allows you to make comparisons across as well as within fund categories. The standard deviation generally tends to work better than beta because it is a purer, more universal number; it is not based on the relationship of return to fluctuations in an index. For bond funds, standard deviation is a more comprehensive yardstick than duration because it reflects all sources of volatility, not just interest-rate risk.
AAII provides a useful 'risk index' based on the standard deviation of a fund relative to the average standard deviation for its category in the Quarterly Low-Load Mutual Fund Update. A fund with a risk index of, say, 1.4 is 40% more volatile than its group average.
A Caveat: Risk statistics are based exclusively on historical numbers and are not necessarily predictive. The period used to calculate the measure may not be representative of the future investment climate. While a mutual fund's risk is generally more predictable than its return, major changes in the way it is managed can cause its future volatility to differ strikingly from past ups and downs.
Buying Mutual Funds
Should I deal directly with the mutual fund family when purchasing a fund or go through one of the discount brokers that trade mutual funds?
Discount brokers such as Charles Schwab and Fidelity Brokerage offer the convenience of buying different funds without going directly to each fund family and opening separate accounts. Only one brokerage account is necessary, and all mutual fund positions are consolidated in one report. Some of these transactions incur brokerage costs; others are essentially costless. Not all mutual funds or fund families participate, but if convenience is important and your mutual fund transaction sizes are reasonably large, these fund services offered by discount brokers may deserve a look.
For a list of the discount brokers that trade mutual funds, see AAII's annual Discount Broker Guide.


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Chemeketa Community College in Salem, OR. has chosen Intelliworks' constituent relationship management application to expand its marketing and recruitment efforts. One of the first initiatives the college will work on with Intelliworks is increasing outreach to students who have been admitted but are not yet enrolled.
"Our enrollment numbers are rising," said James McNicholas, student recruitment coordinator for Chemeketa. "We want to help students and keep lines of communication open during the enrollment process. We understand that choosing a college can be tricky, Intelliworks will help us serve our customers."
Chemeketa, which reported about 64,000 students in the 2006-2007 school year, chose the Intelliworks solution, according to a statement, because of its flexibility, user-friendly interface, and software-as-a-service delivery model.
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September 3, 2013 —
Monticello Police arrested Sean York (39) of Monticello on Sunday 9/1/13. York was charged with felonies for assault in the 2nd degree and criminal contempt in the 1st degree.
York was arrested following an investigation into the assault upon a 31 year-old Monticello woman. The victim who has an active order of protection against York had just returned to her residence on Roosevelt place at approximately 11:15 PM on Friday 8/30/13 when she was assaulted by York, who had been waiting outside the victim's residence when she had returned.
York assaulted the victim by picking her up and slamming her down to the ground. York then fled the scene. Responding officers found the victim lying in the middle of the street semi-conscious with a large contusion on her head.
The victim was transported to CRMC by Mobile Medic ambulance. The victim was treated for a concussion and multiple lacerations at CRMC. Monticello Police arrested York on Sunday at 10:30 PM when officers observed him walking on Broadway.
York was arraigned before acting village of Monticello justice Martin Miller and remanded to the Sullivan county jail without bail pending further court action.


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Burhan Ozbilici / AP
People speak from the top of the steps of a Syrian passenger plane that was forced by Turkish jets to land in Ankara, Turkey, on Thursday. Turkish jets on Wednesday forced the Syrian Air Airbus A320 passenger plane to land on suspicion that it was carrying weapons, amid heightened tensions between Turkey and Syria that have sparked fears of a wider regional conflict.
Turkish Prime Minister Tayyip Erdogan said on Thursday that a Syrian passenger plane forced to land in Ankara was carrying Russian-made munitions destined for Syria's defense ministry.
Russia's ITAR-Tass news agency earlier quoted an official at the Russian Embassy in Ankara as saying that the cargo "was not of Russian origin." Rosoboronexport, which handles most of Russia's military export contracts, said none of its cargo was on the plane.
Turkish authorities ordered the Syrian Air passenger plane that was traveling from Moscow to Damascus to land late on Wednesday after receiving an intelligence tip-off and seized some of its cargo.
Damascus said intercepting the Syrian Air plane was an act of piracy, further heightening tensions between the neighbors after Turkey's chief of staff warned Ankara would use greater force if shells from Syria continued to hit Turkish territory. The plane's 37 passengers and crew were allowed to continue to Damascus after several hours, without the cargo.
More weapons in Syria could trigger 'all-out war'
The grounding of the plane was another sign of Ankara's growing assertiveness over the crisis in Syria.
"Turkey has crossed a new threshold," said former Turkish diplomat Sinan Ulgen, chairman of the Center for Economic and Foreign Policy Studies think-tank.
"With the action they took last week the government is in the slightly more comfortable position of having shown it has the strength to retaliate."
Turkish state-run television TRT had reported that the intercepted plane was carrying military communications equipment, according to The Associated Press.
Slideshow: The uprising in Syria
Yeni Safak, a newspaper close to the Turkish government, also reported there were 10 containers aboard the plane, some containing radio receivers, antennas and "equipment... thought to be missile parts."
Neither TRT nor Yeni Safak cited sources for their reports.
Turkey's Foreign Minister Ahmet Davutoglu had said the cargo contained "elements ... that are not legitimate in civilian flights" and insisted Ankara was within its rights to intercept the plane if it suspected that military equipment was being transported over Turkish territory.
NATO leaders discuss the volatile situation along the Turkish-Syrian border following last week's shelling of a village by forces loyal to Syria's government. NBC's Jim Maceda reports.
Sabre rattling between Syria and its northern neighbor has increased in recent days after a spate of cross-border shell and mortar firings. Turkey, which has been vocal in its criticism of Assad's crackdown on the opposition, has beefed up its military presence along the 565-mile frontier after shelling from Syria killed five Turkish civilians in a border town last week.
Syrians flee across river to escape fighting
The general manager of the Syrian Civil Aviation Agency also blasted Turkey's forced landing of the plane, calling it "contrary to regulations and aviation norms."
Ghaidaa Abdul-Latif told reporters in Damascus that the plane's pilots were not asked to land but were instead surprised by Turkish F-16 fighter jets, which forced them to land.
Overcome with grief, Syrian man drops to his knees holding his dead son
"This action is contrary to the rules, because the pilot should be first asked to land for inspection," she said. "If he refuses, military jets would then fly to force him to land."
A Syrian Airlines engineer who was aboard, Haithan Kasser, said armed Turkish officials boarded the plane and handcuffed the crew before inspecting packages that contained electrical equipment.
Syrian plane suspected of carrying weapons forced to land in Turkey
Abdul-Latif said the officials seized some packages after presenting official documents.
Andrea Mitchell talks to Ambassador Dennis Ross about the escalating tensions between Syria and Turkey, and what both presidential candidates are saying they'll do about the situation.
She said Syria would file a complaint with international aviation authorities.
The Associated Press and Reuters contributed to this report.
More world stories from NBC News:
- Buzkashi: World's toughest sport or source of hope?
- German cabinet approves controversial circumcision bill
- Tunisian magazine teaches children how to build a Molotov cocktail
- Video: Australian PM launches attack on 'sexist' opponent
- Pakistani teen blogger shot by Taliban 'critical' after surgery
- Reports: South Korea says defector is spy who plotted assassination
- China vs. Japan, but the loser could be the global economy
- Deadly crossing: Death toll rises among those desperate for American Dream


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interhome property
Size30 m²
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|52210 Rovinj, Općina Rovinj, Istria County, Croatia
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nice sunny apartment, close to mountains, ideal for active holidays close to innsbruck and germany.
a bit 90's furnishing but everything clean and usefull.
Thanks a lot
We had a great time. The accommodation was good, room was clean and complete. It had a nice parking garage, a bit small but fine.
It was no problem that we arrived late in the evening (car trouble). The breakfast service was convenient and good. We had a great view of the mountains and we got some great advice about the area from the landlord.
We would recommend this accommodation to everyone who loves nature. But you do have to travel a bit (25min) for the first big supermarket.
Convenient to 3 metro lines; furnished; pictures of small rooms accurate; elevator. Shelves and dishes grimy; very noisy street (major road to airport) during week; no trash cans; smelly towels poorly laundered; some musty smells throughout; no Internet (borrowed from neighbor, though).
Very cosy place in a beautiful setting. Will come back for sure.
Trusted patner There Are nice team Where they always try to help costumers for all what he need but for me i need help since i make booking from windu website page and i used my credit card to make the booking wimdu proof my booking by saying that
We will release the payment to your host at 12 noon (CET) on the day after check in. Therefore, we strongly advise you to inform us immediately after check-in (i.e. before 12 noon (CET) on the day after check-in) if you are not completely satisfied with your accommodation. In any contact with us, please refer to your booking code please need help
The location is beautiful!, all what is stated in advertising it's true. I recommend.
Very Nice Apartment With an exelent wiev, Penthouse. No English speaking tv channels.
Great stay in a very pleasant apartment.
This place is a ripoff please be careful before clinking book on there are massive terrible extra charges and these interhome people are the wrosre people in the entire world fuck them
Perfect camping, very clean, modern houses! Improvement suggestion is the outdated wifi useage. Helpfull people, clean toilet buildings. Would like to come back when the wifi is multi useable. Good french fries / chips available.
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Obamacare and Romneycare Are Not Identical
There are a lot of differences between Obamacare and Romneycare, even though President Barack Obama said that the two plans were based on an "identical model" during the first presidential debate in Denver on Wednesday night.
"We've seen this model work very well," Obama said, "in Massachusetts."
Wrong, countered Mitt Romney. As Massachusetts governor, he passed a health care plan "on a bipartisan basis."
President Obama, said Romney, "instead of bringing America together," rammed through a bill that garnered no support across the aisle. "Something this big, this important," Romney concluded, "has to be done on a bipartisan basis."
Note this: Romney had to work with Democrats. They constituted 87 percent of the Massachusetts Legislature. In Obama's first two years in the White House, Democrats controlled the House and enjoyed a large majority in the Senate. Obama was able to pass his bill without courting GOP votes. Still, it was a poor choice with consequences.
Obama sulked that his plan was based on a Republican idea. It begs the question, Why did he fail to win a single Republican vote?
If he cannot sell Republicans on what he says is a GOP idea, what good is he?
Obamacare and Romneycare are not identical. They are very different. Romney worked to promote flexibility; Obama and the Democrats imposed uniformity. Romney worked to limit mandates in Massachusetts health care; Obama and a Democratic Congress threw a host of goodies, such as an end to copayments for "preventive care," into the Affordable Care Act. Employers will have to pay for service for which workers used to chip in.
This administration has refined passing the hat. With Congress, the president enacted mandates — "free" birth control, adult children's being able to stay on their parents' plans up to age 26 — for which Washington pols do not have to pay. They don't even have to pretend that Congress will have to pay in the future. The private sector pays.
"If you've got health insurance," Obama said of his plan, "it doesn't mean a government takeover."
It's a government takeover without government fiscal responsibility.
Early in the debate, Romney quipped that Obama seems to have levied an "economy tax." Well put. What employer wants to hire new workers when that employer knows that Washington pols know that they can add new mandates at no cost to themselves?
Even before Obamacare goes into full effect, it's clear that this model cannot, as the president promised, "get the cost down so it's more affordable." That's not mathematically possible.
Now that everyone knows that Washington can find services dear to politically important demographic groups and make other people pay for them, there is no controlling health care costs.
Email Debra J. Saunders at: [email protected].
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Even though my father, brother, uncles and grandfather were in the military, I seldom handled guns growing up. That's because unlike many of the other people in my family, I've...Read More
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The left tackle position has a catchy nickname—"the blind side"—that gained popularity through a book and a movie. But what about that "other" side? If any one position along the offensive line gets forgotten most, it's the right tackle. At Bleacher Report, we love right tackles.
When looking at the "strong side" of the line, which blockers make up the best of the best?
To find out, we've determined what makes up a great right tackle and which players best represent those traits. The quest comes as part of the B/R NFL 1,000. The new series offers an in-depth look at every position in the NFL, breaking down players' skills in a way never before seen on the Internet.
BR 1,000 rankings don't assess who had the best year or even who has the most potential. Rather players—in this case, right tackles—are judged on their current skills and mechanics, based on film study of the 2011 NFL preseason and regular season only.
After hours spent scouting every starter and every potential starter, the top 32 right tackles have been scored in 10 criteria (here's more on the criteria). In the slides that follow, we'll explain each player's strengths and weaknesses as the final ranking is revealed.


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Hawaii's top law enforcement officers are being honored by a coalition of agencies in the state.
Honolulu Prosecuting Attorney Keith Kaneshiro won the Law Enforcement/Security Coalition of Hawaii's top award at a banquet on Thursday. A letter from the coalition says the award is presented for outstanding service and activity that benefits law enforcement, private security or criminal justice.
Kaneshiro congratulated other honorees by saying law enforcement is a truly noble profession.
Other honorees include an NCIS special agent who investigated a case in which three Pearl Harbor shipyard employees were accused of trying to sell 30,000 pounds of government scrap metal worth about $1 million.
Assistant U.S. Attorney Beverly Wee Sameshima won an award for earning a conviction against a couple who ran a large cockfighting operation in Waianae.


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Operations chief to exit SGX
The head of operations at Singapore Exchange is to step down, according to people familiar with the matter, becoming the second high-profile executive to depart the bourse in little over a month.
Benjamin Foo, who had been with SGX since 2001, will step down from his role next month. SGX did not respond to requests seeking comment.
Foo held a number of senior positions during his time at SGX: He spearheaded the bourse's push into clearing for over-the-counter derivatives as head of its AsiaClear service; and he was made head of operations in 2009.
The AsiaClear venture is seen as an important initiative for SGX, in the wake of regulatory initiatives to push more OTC derivatives through central counterparty clearinghouses. CCPs stand between buyers and sellers in a trade, guaranteeing completion for a fee. Singapore is a major trading hub for OTC energy and commodity derivatives.
Prior to his time at SGX, Foo spent seven years at Phillip GNI Futures, one of Singapore's largest futures brokerages, eventually being named general manager. Before that, he spent six years at the Singapore International Monetary Exchange in research, product and business development roles. Simex merged with the Stock Exchange of Singapore in 1999 to form SGX.
Foo will become the second high-profile executive to leave SGX in little over a month. In November, the bourse's head of product development, Eric Maine, departed to join rival bourse Hong Kong Mercantile Exchange, a move reported by Financial News.
--write to firstname.lastname@example.com


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A Night at the Theatre: Forestburgh's '9 to 5, the Musical' What a way to make a living!
July 7, 2013 —
Ok, so here's the deal. I'm not a huge fan of musical adaptations to begin with. While there are exceptions to every rule, (think "La Cage Aux Folles" or "The Producers") there is an endless lists of Broadway shows with a hit song attached (think "Fame" or "Footloose") that struggle. Each year, the management at the Forestburgh Playhouse (FBP) asks the audience to suggest what shows they would like to see in the future and "9 to 5" received an overwhelming response. In an effort to please (give the people what they want) "9 to 5" is now playing.
Based on the 1980 smash-hit film of the same name (not a musical), it was turned into one with music and lyrics by living legend and film star Dolly Parton. The show premiered in L.A. in 2008.
Personally, I think a non-musical stage play based on the film might have worked better and Broadway audiences apparently agreed, since the show opened in New York in April of 2009, and closed its doors after 148 performances.
I had high expectations because the FBP has a reputation for taking lesser-known productions and really making them work in the jewel box theatre known as the "Miracle in the Forest," but this time out... not so much. On the plus side, there is good news. Without very strong performances from the three leading ladies, there would have been serious trouble, but Kami Seymour, (Violet) Lauren Chapman, (Doralee) and Jessica Wagner (Judy) worked overtime to elevate the show with great voices, impeccable timing and acting chops that (quite frankly) deserve better material with which to showcase their skills.
The plot remains the same: the three ladies, in an effort to put macho-pig-boss Franklin Hart in his place, abduct him, hog-tie him and string him up while they take over the office and streamline the work place, with a "hit-them-over-the-head" nod to women's lib, which by 1980 was already a little late. Kevin Confoy (as Hart) is someone I generally love watching perform, but his cartoonish, overblown and mugging interpretation of the boss didn't work for me and it seemed like he was phoning this one in, aided and abetted by another hammy interpretation of his partner-in-crime assistant Roz (Emma C. Martin). In an effort to make a musical out of the story, Parton has peppered the show with unnecessary tunes and I could have lived without either of the numbers that Martin performed.


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Anyone gonna be there tomorrow or Sunday? I'll be there takin pics and giving moral support to a few guys from school. If you are there look for the tall big guy with profilers and most likely a mustang hat on and a camera around his neck. That'll be me.
3-Man Tourny at Air Assault
Started by Frag, Mar 26 2010 10:26 PM
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Posted 26 March 2010 - 10:26 PM
"The Eagle born to those who pledge their lives and sacred honor was smiled upon by God and freed from chains and iron collar. He is held aloft on unity, and by History revered for preserving peace through strength his wings now reach across two hundred years...but for each of those and one year more. God has smiled upon The Corps...from the Barbary coast, to the Eastern sand, by sword, by gun or by hand. So it's been said and shall be weighed: Though many are born...few are "made". Faithful Always they shall remain...DOGS TO LET LOOSE WHEN WAR IS WAGED."
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Re: Car weight vs downforce vs speed
stuntguy13 wrote: Second, parts are not parts. If I were a sponsor I would have my own person checking what the quality of parts were that are going to my team not just a pool of parts.
Bottom line is that SHR needs to step up and get this stuff right.
OK Stunt guy.... One point at a time.
I have had the privilege, to have personal friends on many types of top tier race teams nationally.
So, I used the shock issue in an earlier post for a specific reason.
The shock guys assemble the shocks. They dyno test them. They attach the
results to each shock. Depending on demand they do multiples of those
most requested. They hand them over to the parts room. The parts room
stocks them on shelves, and dole them out as requested.
The crew chief tells the parts guy the specs he wants, and the parts guy pulls
the part. The crew chief can request the entire list, if he desires, and pick
whichever one he feels will fill his need best.
So............ Let's just assume, that the one he wants is not there......
simple.... the shock guys will build him what he wants.......... AND.....
IF..... he wants to know what Harvick is running.... no sweat....
IF he wants exactly what Harvick is running.... no prob.... shock guys
will build them for him.......... TWENTY of them if he wants.
You are right.... parts ain't parts..... but this is not NAPA. He can have
exactly what he wants, he could even request said shock in lavender,
if he thought it would help.
Danica is getting everything and anything her team wants for her.
She has engineer(s) who are in tune with Racing, not building bridges
or high rises. She lacks for NOTHING.
Please know this applies to virtually ANY top tier team, for ANY
of their drivers.
I'll have an ear to the ground for the next issue.....
As I stated before.... it is her Sophomore year....
Montoya, in all his time in NASCAR NEVER had an oval win...!!!!
1997 Indy Car Champion ** 2006 IROC Champion ** 2002 NASCAR Champion ** 2005 NASCAR Champion ** 2011 NASCAR Champion


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INGREDIENTS:6 medium red apples, peeled, seeded and chopped 1 ½ cups crushed pineapple, drained 6 Tbsps. raisins 1 ½ tsps. cinnamon 6 cups low-fat vanilla yogurtDIRECTIONS:1. Stir ingredients together. Spoon into parfait glasses and serve.NUTRITIONAL INFORMATION:Calories 90 (9% from fat) Fat 1g (sat.0.5g); Protein 4g; Carbohydrates 17g; Chol. 5mg (cholesterol per day .02%); Sodium 40mg (sodium per day .02%); Fiber 1g (fiber per day .05%)SERVINGS:24 servings
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Grapevine is not a bad place to live, it is close to Dallas and Ft. Worth. It has good public schools, lots of parks and a lake. There are plenty off good places to eat and shop. But it is in the metroplex, we have been in our pool at least a dozen times and it's the second week of May. It will be hot here and the electric is high. Also the prop taxes are out of this world for what I'm used to paying.
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Decent Place to Live - 11/6/2010
I lived in the small city of Grapevine, TX for 5 out of the 6 years I lived in the DFW area.
Things I like about it: safe community, quiet, schools are rated well and lots of trees (much of the DFW area has been so overpopulated that much of the natural beauty in the way of trees and grass have been replaced with suburban sprawl).
Things I don't like about it: not very ethinically or culturally diverse, a bit expensive, boring (not much going on).
I would say, if you are looking for a typical, suburban community, then Grapevine is the place for you. If you are looking for an ethnically/culturally diverse population with lots of interesting things to do, look elsewhere. [Comment on this Posting]
DFW metroplex - 8/31/2009
I know there are many benefits to big city living... I just don't like them for settling down, that's all... I came to visit my son & ended up staying for several months now... I must say that Fort Worth is better downtown than Dallas in my opinion. The reason is it seems more like "back home" than big city. The only thing I like about Dallas is the White Rock lake area, has lots of natural areas, & lower Greenville, good for all night out times. I worked deep nights most of my life so that was a plus. I just want to go back to the green hills & mountains of home before the snow flies, and yes it Does snow on occasion in DFW area, and ices over nearly every winter holiday for at least one or two days... If I'm going to put up with some winter I want beauty to go with it!! LOL[Comment on this Posting]
If you must live in Texas - 6/22/2009
If you must live in Texas and don't want to live in Dallas or Ft. Worth, Grapevine is a good place to consider. The schools are excellent, the library is the best in the area, and the city's recreation department offers numerous classes in everything from gardening to crafting to guitar. Everything is within a seven minute drive from your home - banks, grocery, Lowe's, Home Depot, every restaurant imaginable, Walmart, Target, etc., and the airport is about a 15 minute drive. Speaking of the airport, the runways are laid in a North/South direction and Grapevine is to the west, meaning that you rarely get the jet noise that North Arlington and Southlake have to contend with. The crime rate is low compared to Dallas, Ft Worth, and most of the other suburbs - especially Arlington (you don't want to live in Arlington).
The downside of Grapevine are the property taxes. Although they are lower than Southlake or Colleyville, they are still too high. My property taxes are four times higher here than what I paid in Florida. The school tax portion is high. I realize that the schools are some of the best in the area, but it is as if they can't say no to anything for the schools. Do high school football fields really need astroturf? The stadium is nicer than the stadiums of some universities, and recently they installed a hugely expensive scoreboard and screen.
Other problems are not solely limited to Grapevine, but to the DFW area in general. Utilities are shocking. During the summer months, I can expect my electric bill to reach 550.00, my water bill to reach 200.00 and that is in addition to my gas bill. Of course, I can't discuss Grapevine without mentioning the weather although I realize that weather is regional. The DFW area does not enjoy pretty seasons. The winters are cold and brown and you get this wickedly cold wind that cuts right through you. Snowfall seems to baffle the Roads and Transportation department and may the Lord help you if your out on the roads in it. The spring lasts about two weeks with little fanfare from horticulture (if you're a native Texan you think it gorgeous, but only because you haven't seen spring in the East or North). The summers are unbearably hot - and sometimes humid, and the fall is completely lackluster compared to other regions of the U.S. When I first moved here, someone told me that Dallas and Ft. Worth were the armpits of American cities. I agree. Lastly, there is the traffic. Grapevine, due to its proximity to Dallas and Ft. Worth and suburban sprawl, suffers greatly. Expect a long, frustrating commute time with incredibly rude drivers.
Well, that it. My husband and I though about moving to another area in the Metroplex, but Grapevine really cannot be beat. Again, if you must live in Texas, think Grapevine.[Comment on this Posting]
Traffic - 6/3/2008
Traffic in Grapevine is really bad at 8am, 5pm and 7pm mon-fri. However, it is starting to increase to where it doesn't matter what day it is. Grapevine does have a lot of back roads you can use that will keep you from stopping. The downside is, that you will end up being caught up in traffic no matter what. Sometimes if you take back roads it is only 15 mins of a wait. At all costs, just avoid highways. Take access roads (which end up being just as fast as the highway) nowadays. The city population continues to grow. I have lived in grapevine from when it was nice and non-crowded to what it is now. A lot of people are trying to live in Grapevine and just commute to Dallas, Ft. Worth, Arlington or any other major city that is only a 20 mins. commute away. Grapevine has a lot of the same things to do. In every place there is malls, restaurants, movie theater, bowling, malls, restaurants, movie theater and bowling. After a while Grapevine gets really tiring to live in. Drivers are bad and rude. Traffic is awful as I have stated. The schools are very good. The problem is that the schools keep growing. When I graduated from High School, the incoming freshman class was over 1500 students. But, you do get a good education and the schools have been rated very high. Overall, it is great at first, but after a while there is nothing to do ... and the main irritant is TRAFFIC[Comment on this Posting]
Relax, enjoy the difference - 4/19/2008
Here at Classic Chevrolet/Hummer in Grapevine Texas our motto is "Relax and enjoy the difference. We treat everyone like family. No hassle, no games. Please come and see why Classic Chevrolet is the number one dealership in the Nation.[Comment on this Posting]
In my opinion Grapevine is one of the best places - 5/8/2007
I lived in Grapevine for 15 years and loved it all. I moved there when it was just starting out and have seen it grow over the years.
Grapevine is a great place to start a family, with great schools, entertainment and community, it becomes a great place to spend your life.[Comment on this Posting]
living in dfw - 9/8/2006
I love the dfw area, except summers can be a little hot[Comment on this Posting]
Grapevine, Texas - 9/4/2006
Housing and food very reasonable. Nice place to live and work. Not so good in the Summer. Very HOT!! No state sales tax. Property taxes high.[Comment on this Posting]
Not a bad place to live, just not forever - 5/10/2006
Grapevine is not a bad place to live, it is close to Dallas and Ft. Worth. It has good public schools, lots of parks and a lake. There are plenty off good places to eat and shop. But it is in the metroplex, we have been in our pool at least a dozen times and it's the second week of May. It will be hot here and the electric is high. Also the prop taxes are out of this world for what I'm used to paying.[Comment on this Posting]


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McKinley a safe bet over Gainer
Rep. David McKinley, who represents West Virginia's First Congressional District, will have a race on his hands next year. He'll win it.
State Auditor Glen Gainer has announced he will run against McKinley. He's probably the best the Democrats can do as a candidate against McKinley – but that isn't saying much.
McKinley, a Republican from Wheeling, is in his second term in the House. His landslide re-election victory last year, against Wheeling Democrat Sue Thorn, should not be taken as an indication of how well he'll do in 2014. Thorn, who garnered just 38 percent of the vote, had virtually no campaign money and no statewide name recognition.
Gainer is different, of course. He's in his sixth term as state auditor. At first glance, that sounds like a man with a solid statewide base of support.
Not really. Gainer won his first three elections for auditor, in 1992, 1996 and 2000, with no Republican opponent. The same thing happened in 2008.
In 2004, Gainer walloped his GOP opponent, Lisa Thornburg of Milton, who, like Sue Thorn, had no name recognition. And remember, 2004 was a time when West Virginia Democrats still liked people at the top of their party's ticket.
Last year, Gainer won re-election by whipping Republican Larry Faircloth, by a 57.4 percent to 42.6 percent vote total. Again, however, Faircloth was an unknown to most voters outside his home in the Eastern Panhandle. The fact he did as well as he did can be explained mostly by the intense dislike many Mountain State voters have for President Barack Obama.
So what happens next year when Gainer, still with the Obama albatross on his party's back, takes on McKinley?
Last year's election provides a clue – but only that. More on why that's so later.
Last year, McKinley received 133,809 votes in the First District's 20 counties. Gainer netted 125,054. Both were running against little-known opponents.
Registered Democrats in the 20 counties hold an enormous edge over registered Republicans, 193,571 to 128,620. That ought to be cheering to Gainer.
But wait a moment. That means that last fall, McKinley received 5,189 more votes than the total number of Republicans in his district.
Precisely. Also in the district are 71,580 voters registered as "no party." Clearly, McKinley was supported by most of those who went to the polls.
He also picked up tons of votes from Democrats.
Here's the bottom line for vote counters: There are roughly the same number of registered Democrats in the First District as there are Republicans and "no party" voters combined. To win, Gainer would have to pick up all the Democrat votes in 2014, plus a good share of the "no party" folks. That isn't going to happen.
Why? I told you we'd get back to that.
There are three reasons Gainer will lose next fall:
1. More and more West Virginians are going to become upset about Obamacare. That program isn't just the signature achievement of Gainer's Democrat Party president. Look at Democrats in the House and Senate. It's their baby, too.
2. The war on coal and reasonably priced electricity. Many of those formerly reliable labor union voters – especially the United Mine Workers – on which Democrats used to be able to count will be voting for McKinley or staying home next November.
3. This isn't a state election. Gainer has a substantial amount of power among Democrat Party leaders in West Virginia. But in November 2014, voters will be selecting someone to either oppose Barack Obama or support him. McKinley will be the safer bet in many minds, regardless of how much Gainer tries to backpedal on party loyalty.
So, simply because it's McKinley vs. Gainer, it'll be a fight. But Gainer will lose.
EDITOR'S NOTE: Mike Myer is executive editor of The Intelligencer and the Wheeling News-Register. He can be reached via e-mail at firstname.lastname@example.com


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Health topics
Cholera is an acute intestinal infection caused by ingestion of food or water contaminated with the bacterium Vibrio cholerae. It has a short incubation period, from less than one day to five days, and produces an enterotoxin that causes a copious, painless, watery diarrhoea that can quickly lead to severe dehydration and death if treatment is not promptly given. Vomiting also occurs in most patients.
General information
WHO programmes and activities
Technical information
Cholera outbreaks
Cholera – United Republic of Tanzania
22 April 2016


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Richest cities in the US
Published On: Feb 26 2013 01:35:09 PM PST Updated On: Mar 03 2013 11:00:00 PM PST
Take a look at the cities with the highest proportion of households making more than $191,469, putting them in the top 5 percent of income earners nationally, according to a census data analysis by CBS Money Watch.
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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« Back
Prize Terror Suspects Are Being Set Free
Op-Ed, Newsday
September 12, 2004
Author: Juliette Kayyem, Belfer Lecturer in Inernational Security, Harvard Kennedy School
Belfer Center Programs or Projects: International Security
The collapse earlier this month of the government's case against an alleged terrorist sleeper cell in Detroit is just another example of the Justice Department's failed "arrest by headlines" philosophy in the war on terror.
In Detroit, a federal judge dismissed the entire case against two men convicted of charges of materially supporting terrorism after allegations of prosecutorial misconduct suggested that the case against them had no merit. Evidence that bolstered the men's claims to innocence had been withheld from them by the prosecution team.
Fingers are pointing at the Justice Department, where Attorney General John Ashcroft is trying to put the whole mess on the malfeasance of a single attorney. That might work, but for the fact that this case has an all too familiar ring.
The Justice Department makes an arrest against a supposed terrorist, holds a press conference trumpeting its success in the war on terror and the media follows suit asking "are there enemies among us?" A few months later, the facts seem a little murkier, the accused enemies are innocent, and, yet, the cycle begins again.
Just ask the 1,800 men held after 9/11 on mere immigration charges and then released; or Brandon Mayfield, the Seattle lawyer falsely linked to the Madrid train bombings (he has never been to Spain); or the two mosque leaders in Albany who after being held for their supposed ties to terrorists (followed by a press conference by the No. 2 at the Justice Department) were recently released on bail after the judge determined that the FBI had mistranslated secret wiretaps.
Or, if you could, you might ask the men being held on Guantanamo Bay after being picked up in Afghanistan. After nearly three years, they have been convicted of nothing; the allegations against them have never been heard.
The patient British have even had enough. After two years, the United States finally released several British citizen detainees to British custody. The British government held them for a whole five hours until it determined that they were no threat.
Even cases that the government can call successful will hardly be footnotes in the annals of history. The six Yemeni-Americans who were present at al-Qaida training camps pled guilty to the charges, but not even the government argues they were an active cell. The conviction of attempted airline "shoe bomber" Richard Reid was hardly a challenge; a third grader could have made the case that the guy who was pinned down by vigilant airline passengers and taken from an airplane straight into custody should be locked up for life.
The facts regarding the Justice Department's record in the terrorism cases are significant and worth remembering when Ashcroft asks for more unnecessary powers and legal authorities to fight his war. But, the greater challenge is to determine why it is happening.
There are several plausible explanations:
The Not So Great Man Theory: Ashcroft is a singer, a politician, a devout Christian. He is not known as a great lawyer. An Attorney General sets the tone for the thousands of lawyers he oversees. He is also supposed to provide a check on overzealous prosecutors. Ashcroft has no such capability, as he takes the General in his title quite literally. It was he, afterall, who suggested in the days after 9/11 that a criticism of Bush only "gave comfort" to the enemies.
The We Screwed Up, but Won't Admit It Theory: Congressional investigation, media reports and ultimately the 9/11 Commission findings found that the Justice Department was, at best, remiss and, at worst, incompetent in the months before Sept. 11.
It failed to make connections and to listen to its agents and lawyers who appeared to have relevant information about Arab men using airlines. Ashcroft had even slashed the counterterrorism budget for his department on Sept. 10, viewing it as a lesser priority when measured against pornography and gun protection.
Public arrests look like a form of redemption.
The We're Not Dead Yet Theory: Agencies within the federal government are supposed to work together for a common cause. In reality, they vie for resources and attention. Since 9/11, we have been at "war," and that has meant that the Justice Department has had to prove its relevance. The best way to do that is through press conferences and promises of big arrests.
We're Lawyers Who Don't Like the Law Theory: Since the Bush administration began, the Justice Department has been filled with people better known for their ideology than for their legal skills. This would explain why lawyers for the department spent inordinate amounts of time trying to convince the president that "torture" wasn't really "torture" if done against really bad people. Someone can be accused of terrorism on weak facts because the law is so vague. What does it mean, for example, that someone "materially supports" terrorists? Training to do harm is one thing, but setting up an Internet site for a group that might be espousing radical ideas is not (nor did a jury think so).
The truth may lie somewhere among these theories. What we do know is that the tremendous amount of activity by the Justice Department has not made us any safer. It may be worse than that. Resources are limited, and it appears that most of them have been spent on cases that have had nothing to do with the real threat out there. Juliette Kayyem, a former member of the National Commission on Terrorism, teaches law and national security at the Kennedy School of Government. She served at the Justice Department from 1995-1999.
For more information about this publication please contact the Belfer Center Communications Office at 617-495-9858.
For Academic Citation:


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We started DS on Cheerios at about 8 mos. He had two teeth at the time. At first he put them in his mouth and spit them out -- he really didn't like them. He really enjoys eating his "O"s now, although he still really just gums them. I think he "choked" (not as in couldn't breathe -- he kind of gagged and coughed) on them the first couple times he swallowed them, but he has it down now.
I take them with us whenever we go out because it's easy to feed him anywhere. I find them especially helpful when we're at a restaurant because, as pp stated, it keeps him busy and happy.


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Dozens of downtown La Crosse businesses stayed open a little late Friday night.
It was the annual Holiday Open House, the start to the downtown holiday shopping season.
About 70 businesses had specials and gifts for shoppers to enjoy.
There were also free Trolley Rides, and a food collection for the UW-L food pantry. "Good opportunity to see some of the newest things out for decorating, for clothing, and Christmas gifts," said Downtown Mainstreet Exec. Director Robin Moses.
The annual event started in 1997.


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The Wolverine: Superhero match-up
Published On: Jul 09 2012 08:16:59 AM HST Updated On: Jul 24 2013 08:00:36 PM HSTSorry, Flash is not supported.
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


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When should Memorial Day be observed? On the last Monday of May or on May 30?
Rep. Colleen Hanabusa says that the three-day weekend has become more about celebrating the start of summer instead of remembering those who served our country.
The congresswoman is set to introduce a bill to change Memorial Day to May 30, the date it was before a 1968 bill was passed.
What do you think? Click here to vote in our online poll.
Click here to see the top 20 u local photos from Memorial Day.


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David & Goliath: A Dramatic Role Reversal Spurred On By The Media
The Internet is teeming with false health claims and a long line of celebrities willing to throw their media weight behind every new flavor of snake oil. The irony is that alternative medicine proponents see themselves as a persecuted minority – the victims of some nebulous health industry conspiracy. But in reality, they have ingratiated themselves with the media to such an extent that they may in fact have the upper hand.
Pseudoscience has become Goliath, and physicians have never faced a more pernicious foe. With patients' lives hanging in the balance, some of us are waging the war for hearts and minds with gumption, zeal, and a little help from a brave minority of media who have finally woken up and realized that alternative medicine is not as soft and cuddly as they once thought.
Take for example those who wrongly believe that vaccines cause autism. Many of them subject their children to unproven and harmful therapies, diets, and regimens – some of which are tantamount to child abuse. Consider the cases described most recently by David Gorski here. One child underwent repeated IV chelation therapy for years followed by the invasive injection of "stem cells" into her cerebrospinal fluid. (more…)
Posted in: Science and the MediaLeave a Comment (40) →


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June 26, 2013 —
New York State Troopers conducted an early morning DWI checkpoint on Roosa Gap Road in the Town of Mamakating, NY on June 23, 2013 that resulted in the arrest of two individuals for drug possession.
At 1:47 a.m., Troopers detected the odor of marihuana coming from a vehicle coming through the checkpoint. The vehicle was searched, and the back seat passenger, Brian R. Smith of Pine Bush, NY, was found to be in possession of one gram of marihuana as well as various marihuana smoking pipes.
Eight minutes later, a second vehicle coming through the checkpoint was pulled aside because of the smell of marihuana. The driver of the second vehicle, Grace E. Arezzo of Circleville, NY, was also found to be in possession of one gram of marihuana and a marihuana smoking pipe.
Both suspects were charged with unlawful possession of marihuana, a violation, and issued appearance tickets returnable to the Town of Mamakating Court.


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Dordt College News
Youth pastors and their college-seeking students are invited to Dordt College
January 2, 2014
Students face a barrage of conflicting messages from the media, the church, and their peers. Youth pastors have the unique role of walking alongside students as they work through these issues and form their identity in Christ.
All youth pastors are invited to learn together how to equip young people to participate in God's mission to the world at Youth Pastor Visit Day on Friday, January 31, on the campus of Dordt College.
"We've structured the day to be a great experience for both youth pastors and high school students alike," said Brandon Huisman, director of alumni and external relations. "This is an opportunity for pastors to learn together, share ideas, and find ways to practically apply what they learn to their own ministries." For students, the day is full of activities that include a tour of the campus, meeting with professors in the fields they are interested in, and enjoying being a Dordt student for the day.
Guest speakers Hugh Halter, Jason Lief, and Luke Vander Leest will lead the day's sessions.
Halter, the founder of Missio, lead pastor of Adullam, and author of several books including The Tangible Kingdom, will speak on "Mission Youth Ministry." He is also the keynote speaker at the Day of Encouragement event February 1.
Lief, who teaches theology at Dordt College and has a Ph.D. in pastoral care from Luther Seminary in St. Paul, Minnesota, will speak on "The Monstrosity of Faith: Bonhoeffer, WALL-E, and the task of youth ministry."
Vander Leest, who has ministered to teenagers and their families for 15 years as a teacher, counselor, coach, mentor, and youth pastor and is currently the spiritual director at Sioux Falls Christian School, will speak on "Adolescent Faith Development."
Youth pastors who bring a group of four or more students from their church's youth group will have their expenses covered by Dordt College.
Pastors are also encouraged to remain on campus for Day of Encouragement the very next day, Saturday, February 1. A day to inspire, encourage, and equip all God's people for ministry, the conference highlights a large variety of well-known speakers covering topics including mission, worship, and culture.
Learn more about these events at www.dordt.edu/ypvd.
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