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Posts tagged 'Trading'
Technical Analysis – Astrology or Lob Wedge?
Investing comes in many shapes and sizes. And like religion (see Investing Religion article), most investment strategies are built on the essential belief that following certain rules and conventions will eventually lead to profit enlightenment. When it comes to technical analysis (TA), a discipline used with the principal aim of predicting future prices from past patterns, some consider it a necessity for making money in the market. Others, regard the practice of TA as a pseudoscience, much like astrology.
I feel there is a proper place for TA on selective basis, which I will describe later, but for the most part I agree with some of the legendary investors who have chimed in on the subject:
Warren Buffett: "I realized technical analysis didn't work when I turned the charts upside down and didn't get a different answer."
Peter Lynch: "Charts are great for predicting the past."
Technical Analysis Linguistics
Fundamental analysis, the antithesis of technical analysis, strives to predict future price direction by analyzing facts and data surrounding a company, industry, and/or economy. It too comes with its own syntax and versions, for example: value, growth, top-down, bottom-up, quantitative, etc.
I do not claim to be a TA expert, however in my many years of investing I have come across a smorgasbord of terms and flavors surrounding the discipline. Describing and explaining the density of material surrounding TA would encompass too large of a scope for this article, but here are some prevalent terms one should come to grips with if you want to become a technical analysis guru:
Technical Analysis Approaches
- Elliot Wave
- Relative strength / Momentum (see Momentum Investing article)
- MACD (Moving Average Convergence / Divergence)
- Fibonacci retracement
- Dow Theory
- Stochastics
- Bollinger bands
Price Patterns
- Head and shoulders
- Double bottom
- Cup and handle
- Channels
- Breakouts
- Pivot points
- Candlesticks
- Resistance/Support
- Dead cat bounce (my personal favorite)
Each of these patterns are supposes to provide insight into the future direction of price. At best, I would say the academic research surrounding the subject is "inconclusive," and at worst I'd say it's considered a complete "sham."
The Lob Wedge
As I've stated earlier, I fall in the skeptical camp when it comes to TA, since fundamental analysis is the main engine I use for generating and tracking my investment ideas. For illustrative purposes, you may consider fundamental analysis as my group of drivers and irons. I do, however, utilize selective facets of TA much like I use a lob wedge in golf for a limited number of specific situations (e.g., shots over high trees, downhill lies, and fast greens). When it comes to trading, I do believe there is some value in tracking the relationship of extreme trading volume (high or low), especially when it is coupled with extreme price movement (high or low). The economic laws of supply and demand hold true for stock trades just as they do for guns and butter, and sharp moves in these components can provide insights into the psychological mindset of investors with respect to a security (or broader market). Beyond trading volume, there are a few other indicators that I utilize as part of my trading strategies, but these tactics play a relatively minor role, since most of my core positions are held on a multi-year time horizon.
Overall, there is a stream of wasteful noise, volatility, and misinformation that permeates the financial markets on a daily basis. A major problem with technical analysis is the many false triggered signals, which in many cases lead to excessive trading, transaction costs, and ultimately subpar investment returns. Although I remain a skeptic on the subject of technical analysis and I may not read my horoscope today, I will continue to keep a lob wedge in my golf bag with the hopes of finding new, creative ways of using it to my advantage.
Wade W. Slome, CFA, CFP®
Plan. Invest. Prosper.
DISCLOSURE: Sidoxia Capital Management (SCM) and some of its clients own exchange traded funds and various securities, including BRK.B, but at time of publishing had no direct position in BRK.A or any company mentioned in this article. No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Please read disclosure language on IC "Contact" page.
Cleaning Out Your Investment Fridge
This article is an excerpt from a previously released Sidoxia Capital Management complimentary newsletter (June 1, 2016). Subscribe on the right side of the page for the complete text.
Summer is quickly approaching, but it's not too late to do some spring cleaning. This principle not only applies to your cluttered refrigerator with stale foods but also your investment portfolio with moldy investments. In both cases, you want to get rid of the spoiled goods. It's never fun discovering a science experiment growing in your fridge.
Over the last three months, the stock market has been replenished after a rotten first two months of the year (S&P 500 index was down -5.5% January through February). The +1.5% increase in May added to a +6.6% and +0.3% increase in March and April (respectively), resulting in a three month total advance in stock prices of +8.5%. Not surprisingly, the advance in the stock market is mirroring the recovery we have seen in recent economic data.
After digesting a foul 1st quarter economic Gross Domestic Product (GDP) reading of only +0.8%, activity has been smelling better in the 2nd quarter. A recent wholesome +3.4% increase in April durable goods orders, among other data points, has caused the Atlanta Federal Reserve Bank to raise its 2nd quarter GDP estimate to a healthier +2.9% growth rate (from its prior +2.5% forecast).
Consumer spending, which accounts for roughly 70% of our country's economic activity, has been on the rise as well. The improving employment picture (5.0% unemployment rate last month) means consumers are increasingly opening their wallets and purses. In addition to spending more on cars, clothing, movies, and vacations, consumers are also doling out a growing portion of their income on housing. Housing developers have cautiously kept a lid on expansion, which has translated into limited supply and higher home prices, as evidenced by the Case-Shiller indices charted below.
Source: Bespoke
Spoiling the Fun?
While the fridge may look like it's fully stocked with fresh produce, meat, and dairy, it doesn't take long for the strawberries to get moldy and the milk to sour. Investor moods can sour quickly too, especially as they fret over the impending "Brexit" (British Exit) referendum on June 23rd when British voters will decide whether they want to leave the European Union. A "yes" exit vote has the potential of roiling the financial markets and causing lots of upset stomachs.
Another financial area to monitor relates to the Federal Reserve's monetary policy and its decision when to further increase the Federal Funds interest rate target at its June 14th – 15th meeting. With the target currently set at an almost insignificantly small level of 0.25% – 0.50%, it really should not matter whether Chair Janet Yellen decides to increase rates in June, July, September and/or November. Considering interest rates are at/near generational lows (see chart below), a ¼ point or ½ point percentage increase in short-term interest rates should have no meaningfully negative impact on the economy. If your fridge was at record freezing levels, increasing the temperature by a ¼ or ½ degree wouldn't have a major effect either. If and when short-term interest rates increase by 2.0%, 3.0%, or 4.0% in a relatively short period will be the time to be concerned.
Source: Scott Grannis
Keep a Fresh Financial Plan
As mentioned earlier, your investments can get stale too. Excess cash sitting idly earning next-to-nothing in checking, savings, CDs, or in traditional low-yielding bonds is only going to spoil rapidly to inflation as your savings get eaten away. In the short-run, stock prices will move up and down based on frightening but insignificant headlines. However, in the long-run, the more important issues are determining how you are going to reach your retirement goals and whether you are going to outlive your savings. This mindset requires you to properly assess your time horizon, risk tolerance, income needs, tax situation, estate plan, and other unique circumstances. Like a balanced diet of various food groups in your refrigerator, your key personal financial planning factors are dependent upon you maintaining a properly diversified asset allocation that is periodically rebalanced to meet your long-term financial goals.
Whether you are managing your life savings, or your life-sustaining food supply, it's always best to act now and not be a couch potato. The consequences of sitting idle and letting your investments spoil away are a lot worse than letting the food in your refrigerator rot away.
Wade W. Slome, CFA, CFP®
Plan. Invest. Prosper.
DISCLOSURE: Sidoxia Capital Management (SCM) and some of its clients hold positions in certain exchange traded funds (ETFs), but at the time of publishing had no direct position in any other security referenced in this article. No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Please read disclosure language on IC Contact page.
Twinkie Investing – Sweet but Unhealthy
It's a sad day indeed in our history when the architect of the Twinkies masterpiece cream-filled sponge cakes (Hostess Brands) has been forced to close operations and begin bankruptcy liquidation proceedings. Food snobs may question the nutritional value of the artery-clogging delights, but there is no mistaking the instant pleasure provided to millions of stomachs over the 80+ years of the Twinkies dynasty. Most consumers understand that a healthy version of an organic Twinkie will not be found on the shelves of a local Whole Foods Market (WFM) store anytime soon. The reason people choose to consume these 150-calorie packages of baker bliss is due to the short-term ingestion joy, not the vitamin content (see Nutritional Facts below). Most people agree the sugar high gained from devouring half a box of Twinkies outweighs the long-term nourishing benefits reaped by eating a steamed serving of alfalfa sprouts.
Much like dieting, investing involves the trade-offs between short-term impulses and long-term choices. Unfortunately, the majority of investors choose to react to and consume short-term news stories, very much like the impulse Twinkie gorging, rather than objectively deciphering durable trends that can lead to outsized gains. Day trading and speculating on the headline du jour are often more exciting than investing, but these emotional decisions usually end up being costlier to investors over the long-run. Politically, we face the same challenges as Washington weighs the simple, short-term decisions of kicking the fiscal debt and deficits down the road, versus facing the more demanding, long-term path of dealing with these challenges.
With controversial subjects like the fiscal cliff, entitlement reform, taxation, defense spending, and gay marriage blasting over our airwaves and blanketing newspapers, no wonder individuals are defaulting to reactionary moves. As you can see from the chart below, the desire for a knee jerk investment response has only increased over the last 70 years. The average holding period for equity mutual funds has gone from about 5 years (20% turnover) in the mid 1960s to significantly less than 1 year (> 100% turnover) in the recent decade. Advancements in technology have lowered the damaging costs of transacting, but the increased frequency, coupled with other costs (impact, spread, emotional, etc.), have been shown to be detrimental over time, according to John Bogle at the Vanguard Group.
During volatile periods, like this post-election period, it is always helpful to turn to the advice of sage investors, who have successfully managed through all types of unpredictable periods. Rather than listening to the talking heads on TV and radio, or reading the headline of the day, investors would be better served by following the advice of great long-term investors like these:
"In the short run the market is a voting machine. In the long run it's a weighing machine." -Benjamin Graham (Famed value investor)
"Excessive short-termism results in permanent destruction of wealth, or at least permanent transfer of wealth." -Jack Gray (Grantham, Mayo, Van Otterloo)
"The stock market serves as a relocation center at which money is moved from the active to the patient." – Warren Buffett (Berkshire Hathaway)
"It was never my thinking that made big money for me. It always was my sitting." – Jesse Livermore (Famed trader)
"The farther you can lengthen your time horizon in the investment process, the better off you will be."- David Nelson (Legg Mason)
"The growth stock theory of investing requires patience, but is less stressful than trading, generally has less risk, and reduces brokerage commissions and income taxes." T. Rowe Price (Famed Growth Investor)
"Time arbitrage just means exploiting the fact that most investors…tend to have very short-term time horizons." -Bill Miller (Famed value investor)
"Long term is not a popular time-horizon for today's hedge fund short-term mentality. Every wiggle is interpreted as a new secular trend." -Don Hays (Hays Advisory – Investor/Strategist)
A legendary growth investor who had a major impact on how I shaped my investment philosophy is Peter Lynch. Mr. Lynch averaged a +29% return per year from 1977-1990. If you would have invested $10,000 in his Magellan fund on the first day he took the helm, you would have earned $280,000 by the day he retired 13 years later. Here's what he has to say on the topic of long-term investing:
"Your ultimate success or failure will depend on your ability to ignore the worries of the world long enough to allow your investments to succeed."
"Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves."
"My best stocks performed in the 3rd year, 4th year, 5th year, not in the 3rd week or 4th week."
"The key to making money in stocks is not to get scared out of them."
"Worrying about the stock market 14 minutes per year is 12 minutes too many."
It is important to remember that we have been through wars, assassinations, banking crises, currency crises, terrorist attacks, mad-cow disease, swine flu, recessions, and more. Through it all, our country and financial markets most have managed to survive in decent shape. Hostess and its iconic Twinkies brand may be gone for now, but removing these indulgent impulse items from your diet may be as beneficial as eliminating detrimental short-term investing urges.
Wade W. Slome, CFA, CFP®
Plan. Invest. Prosper.
DISCLOSURE: Sidoxia Capital Management (SCM) and some of its clients hold positions in certain exchange traded funds (ETFs), but at the time of publishing SCM had no direct positions in WFM, BRKA/B, LM, TROW or any security referenced in this article. No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Please read disclosure language on IC Contact page.
Trading Obama, Romney and Extraterrestrials
Investors vote on stocks every day by buying shares in favored positions and selling shares in those out-of-favor. But shouldn't voting on stocks be different from voting for politicians? Actually, no! Now, politicians can be traded just like traditional stocks or other liquid securities. If you don't believe me, then you should check out www.Intrade.com. Intrade is an online trading platform that is home to various prediction markets that forecast the probability of outcomes of various real-world events, including who will win the 2012 U.S. Presidential election. Just like investors can trade IBM on the New York Stock Exchange (NYSE) or Apple Inc. (AAPL) on the NASDAQ exchange, so too can individuals trade election shares in Barack Obama (ticker: OBMA) and Mitt Romney (ticker: RMNY) on the Intrade platform (see chart below).
By definition, the trading mechanics of Intrade involve a resolution of a particular event structured as a binary "Yes" or "No" result. Similar to a sports bet, Intrade eventually declares a winning or losing outcome – but there are no ties. For example, by November 6, 2012, we will know whether Obama's shares will be trading either at $10 per share, if he becomes re-elected, or $0 per share if he loses to Romney. Just like a stock, traders can go long Obama shares, if they think he will win, or short Obama shares, if they think he will lose. Analogous to stocks, holding periods may vary too. Traders can either hold their position until the event expiration, and realize a gain or loss, or instead traders can lock in shorter-term profits/losses by closing a position before the official outcome ends.
Another great thing about Intrade's prediction markets is that each event share price can be quickly converted to an outcome probability. So as you can see from Obama's Intrade chart above, the current $5.28 share price signifies a 52.8% probability of Obama winning the 2012 Presidential election. No need to worry about distracting stock-splits, share offerings, or stock buybacks that could distort the true underlying dynamics of the Intrade event fundamentals.
Bizarre Bets and Over-the-Top Trades
Crazy Super Bowl "prop" bets have been around for ages, and the senseless nature of the bets did not disappoint this year, if you consider the following ridiculous Super Bowl XLVI prop bets:
• Will it take Kelly Clarkson longer or shorter than 1 minute 34 seconds to sing the National Anthem?
• Will Madonna's hair color be blonde when she begins the Super Bowl Halftime show?
• How many times will model Giselle Bundchen be shown on TV during the game?
• What Color will the Gatorade be that is dumped on the Head Coach of the Winning Super Bowl Team?
I think you get the idea from these examples, and I believe Intrade figured out the quirky benefits as well. Betting on unusual or strange outcomes can be a lucrative endeavor.
Here are just a few of the bizarre and remarkable events you can trade on Intrade:
• NASA to announce discovery of extraterrestrial life before midnight Dec. 31, 2012
• Arctic sea ice area for Sep. 2012 to be less than 4.3 million square kilometers?
• Magnitude 9.0 (or higher) earthquake to occur anywhere before midnight Dec. 31, 2012
• The Dark Knight Rises to break the all-time opening weekend box-office record
• The US debt limit to be raised before midnight Dec. 31, 2012
• Bashar al-Assad to no longer be President of Syria before midnight Dec. 31, 2012
• The US Supreme Court to rule individual mandate unconstitutional before midnight Dec. 31, 2012
• Higgs Boson Particle to be observed on/before Dec. 31, 2013
Rules of the Game
You may be asking yourself, "All this betting/trading sounds like fun, but isn't this Intrade thing illegal gambling?" If your thought process went in this direction, you are not alone – I asked myself the same question. I'm no attorney, but the apparent loophole for Intrade's business operation appears to be tied to its foreign incorporation in Ireland. Less apparent is how American law applies to Intrade as referenced in a recent New York Times article that states, "It is unclear whether American law applies to Intrade."
Although U.S. residents may not be able to trade legally on Intrade, roaming the site may provide some quirky entertainment and provide profound answers to critical questions like, "Do extraterrestrials exist?; How much money will the new Batman movie make at the box office?; And which President are we going to get stuck with for the next four years?" Surfing around on Intrade can be a blast, but if it gets too boring, you can always go back to trading regular stocks.
Wade W. Slome, CFA, CFP®
Plan. Invest. Prosper.
DISCLOSURE: Sidoxia Capital Management (SCM) and Wade Slome have no affiliation with Intrade. SCM and some of its clients own certain exchange traded funds and AAPL, but at the time of publishing SCM had no direct position in NYX, IBM any other security referenced in this article. No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Please read disclosure language on IC "Contact" page.
Snoozing Your Way to Investment Prosperity
When it comes to investing, do you trade like Jim Cramer on Red Bull – grinding your teeth to every tick or news headline? With the advent of the internet, an unrelenting, real-time avalanche of news items spreads like a furious plague – just ask Anthony Weiner. As fear and greed incessantly permeate the web, and day-trading systems and software are increasingly peddled as profit elixirs, investors are getting itchier and itchier trading fingers. Just consider that investment holding periods have plummeted from approximately 10 years around the time of World War II to 8 months today (see GMO chart below). Certainly, the reduction in trading costs along with the ever-proliferating trend of technology advancements (see Buggy Whip Déjà Vu) is a contributor to the price of trading, but the ADHD-effect of information overload cannot be underestimated (see The Age of Information Overload).
But fear not, there is a prescription for those addicted, nail-biting day-traders who endlessly pound away on their keyboards with bloody hangnails. The remedy is a healthy dosage of long-term growth investing in quality companies and sustainably expanding trends. I know this is blasphemy in the era of "de-risking" (see It's All Greek to Me), short-term "risk controls" (i.e. panicking at bottoms and chasing performance), and "benchmark hugging," but I believe T. Rowe Price had it right:
"The growth stock theory of investing requires patience, but is less stressful than trading, generally has less risk, and reduces brokerage commissions and income taxes."
This assessment makes intuitive sense to me, but how can one invest for the long-term when there are structural deficits, inflation, decelerating GDP growth, international nuclear catastrophes, escalated gasoline prices, and Greek debt concerns? There are always concerns, and if there none, then you should in fact be concerned (e.g., when investors piled into equities during the "New Economy" right before the bubble burst in 2000). In order to gain perspective, consider what happened at other points in history when our country was involved in war; came out of recession; faced high employment; experienced Middle East supply fears; battled banking problems; handled political scandals; and dealt with rising inflation trends. One comparably bleak period was the 1974 bear market.
Let's take a look at how that bear market compared to the current environment:
Then (1974) Now (2011)
End of Vietnam War End of Iraq War (battles in Afghanistan and Libya)
Exiting recession Exiting recession
9% Unemployment 9% Unemployment
Arab Oil Embargo Arab Spring and Israeli-Palestinian tensions
Watergate political scandal Anthony Weiner political scandal
Franklin National Bank failure Banking system bailout
Rising inflation trends Rising inflation trends
We can debate the comparability of events and degree of pessimism, but suffice it to say the outlook was not very rosy 37 years ago, nor is it today. History never repeats itself, but it does tend to rhyme. Although attitudes were dour four decades ago, the Dow Jones exploded from 627 in late 1974 to 12,004 today. I'm not calling for another near 20-fold increase in prices over the next 37 years, but a small fraction of that improvement would put a smile on equity investors' faces. Jim Fullerton, the former chairman of the Capital Group of the American Funds understood pundits' skepticism during times of opportunity when he wrote the following in November 1974:
"Today there are thoughtful, experienced, respected economists, bankers, investors and businessmen who can give you well-reasoned, logical, documented arguments why this bear market is different; why this time the economic problems are different; why this time things are going to get worse — and hence, why this is not a good time to invest in common stocks, even though they may appear low."
Rather than getting glued to the TV horror story headline du jour, perhaps investors should take some of the sage advice provided by investment Hall of Famer, Peter Lynch (Lynch averaged a +29% annual return from 1977-1990 while at Fidelity Investments). Rather than try to time the market, he told investors to "assume the market is going nowhere and invest accordingly." And Lynch offered these additional words of wisdom to the many anxious investors who fret about macroeconomics and timing corrections:
• "It's lovely to know when there's recession. I don't remember anybody predicting 1982 we're going to have 14 percent inflation, 12 percent unemployment, a 20 percent prime rate, you know, the worst recession since the Depression. I don't remember any of that being predicted. It just happened. It was there. It was ugly. And I don't remember anybody telling me about it. So I don't worry about any of that stuff. I've always said if you spend 13 minutes a year on economics, you've wasted 10 minutes."
• "Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves."
• "Whatever method you use to pick stocks or stock mutual funds, your ultimate success or failure will depend on your ability to ignore the worries of the world long enough to allow your investments to succeed."
Real money is not made by following the crowd. Real money is made by buying quality companies and securities at attractive prices. The prescription to generating above-average profits is finding those quality market leaders (or sustainable trends) that can compound earnings growth for multiple years, not chasing every up-tick and panicking out of every down-tick. Following these doctor's orders will lead to a strong assured mind and a healthy financial portfolio – key factors allowing you to peacefully snooze to investment prosperity.
Wade W. Slome, CFA, CFP®
Plan. Invest. Prosper.
DISCLOSURE: Performance data from Morningstar.com. Sidoxia Capital Management (SCM) and some of its clients own certain exchange traded funds, but at the time of publishing SCM had no direct position in TROW, or any other security referenced in this article. No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Please read disclosure language on IC "Contact" page.
Reasoning with Investment Confusion
Some things never change, and in the world of investing many of the same principles instituted a century ago are just as important today. So while we are dealing with wars, military conflicts, civil unrest, and natural disasters, today's process of filtering and discounting all these events into stock prices is very similar to the process that George Selden describes in his 1912 book, "Psychology of the Stock Market."
Snub the Public
Investing in stocks is nowhere close to a risk-free endeavor, and 2008-2009 was a harsh reminder of that fact. Since a large part of the stock market is based on emotions and public opinion, stock prices can swing wildly. Public opinion may explain why the market is peaking or troughing, but Selden highlights the importance of the silent millionaires (today's billionaires and institutional investors), and that the true measurement of the stock market is dollars (not opinions of the masses):
"Public opinion in a speculative market is measured in dollars, not in population. One man controlling one million dollars has double the weight of five hundred men with one thousand dollars each. Dollars are the horsepower of the markets–the mere number of men does not signify."
When the overwhelming consensus of participants is bullish, by definition, the small inexperienced investors and speculators are supplied stock from someone else – the silent, wealthy millionaires.
The newspaper headlines that we get bombarded with on a daily basis are a mirror reflection of the general public's attitudes and when the euphoria or despondency reaches extreme levels, these points in time have been shown to correlate with market tops and bottoms (see Back to the Future Magazine Covers).
In the short-run, professional traders understand this dynamic and will often take a contrarian approach to news flow. Or as Seldon explains:
"A market which repeatedly refuses to respond to good news after a considerable advance is likelely to be 'full of stocks.' Likewise a market which will not go down on bad news is usually 'bare of stock.'"
This contrarian dynamic in the market makes it virtually impossible for the average investor to trade the market based on the news flow of headlines and commentator. Before the advent of the internet, 98 years ago, Selden prophetically noted that the increasing difficulty of responding to sentiment and tracking market information:
"Public opinion is becoming more volatile and changeable by the year, owing to the quicker spread of information and the rapid multiplication of the reading public."
Following what the so-called pundits are saying is fruitless, or as Gary Helms says, "If anybody really knew, they wouldn't tell you."
Selden's Sage Advice
If trading was difficult in 1912, it must be more challenging today. Selden's advice is fairly straightforward:
"Stick to common sense. Maintain a balanced, receptive mind and avoid abstruse deductions…After a prolonged advance, do not call inverted reasoning to your aid in order to prove that prices are going still higher; likewise after a big break do not let your bearish deductions become too complicated."
The brain is a complex organ, but we humans are limited in the amount and difficulty of information we can assimilate.
"When it comes to so complicated a matter as the price of stocks, our haziness increases in proportion to the difficulty of the subject and our ignorance of it."
The mental somersault that investors continually manage is due to the practice of "discounting." Discounting is a process that adjusts today's price based on future expected news. Handicapping sports "spreads" involves a very similar methodology as discounting stock prices (read What Happens in Vegas). But not all events can be discounted, for instance the recent earthquake and tsunami in Japan. When certain factors are over-discounted or under-discounted, these are the situations to profit from on a purchase or shorting basis.
The Dow Jones Industrial Average traded below a value of 100 versus more than 12,000 today, but over that period some things never change, like the emotional and mental aspects of investing. George Selden makes this point clear in his century old writings – it's better to focus on the future rather than fall prey to the game of mental somersault we call the stock market.
Wade W. Slome, CFA, CFP®
Plan. Invest. Prosper.
DISCLOSURE: Sidoxia Capital Management (SCM) and some of its clients own certain exchange traded funds, but at the time of publishing SCM had no direct position in any other security referenced in this article. No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Please read disclosure language on IC "Contact" page.
New Year's Investing Resolutions
As we exit 2010 and enter 2011, many people go through the annual ritual of making personal New Year's resolutions. Here is a list of go-to resolutions if you haven't made one, or are having trouble coming up with one.
1) Lose weight
2) Spend More Time with Family & Friends
3) Quit Smoking
4) Quit Drinking
5) Enjoy Life More
6) Save Money & Get Out of Debt
7) Learn Something New
8) Help Others
9) Get Organized
10) Travel More
I have a few on the list above that I would like to work on, but when it comes to investing, there are a few other resolutions I am looking to make or maintain in 2011:
1) Don't be a Hog. The last few years have produced excellent returns, but we all know that pigs get fat, and hogs get slaughtered. Cashing the register and banking some of my gains can be frustrating when positions charge higher, but sticking to a disciplined approach pays off handsomely in the long-run and helps navigate through the volatile times.
2) Follow Crash Litmus Test. Only buy what you would confidently purchase at lower prices. Sure, company or industry fundamentals can change over time, but for the vast majority of the time, companies and industries do not undergo paradigm shifts. Even though there are a 1,001 bombs that get launched daily, explaining why the world is coming to an end, I do my best to block out the useless noise and stick to the numbers and facts.
3) Remove Name Creep. It's easy to fall in love with every new stock that walks by, but limiting the number requires a conviction discipline that pays off in the long run. Academic research and practical experience dictate diversification can be achieved without spreading yourself too thin. As Warren Buffett says, "I prefer to keep all my eggs in one basket and watch that basket closely."
4) Tirelessly Turn Stones. I love my portfolio right now, but I know there are unique opportunities out there that can improve my results, if I take the time and make the effort.
5. Don't Rush Into Tips. I've purchased or shorted securities recommended by respected investors, but it is important to do your own homework first. Even if these ideas work in the short-run, tips usually fall into loose hands and get punted at the worst times. Perform adequate due diligence to strengthen the roots of your thesis for volatile times.
6. Don't Get Drunk on Story Stocks. There is never a shortage of great ideas, but many of them carry hefty price tags and have high expectations baked into future earnings growth estimates. Even if great stories exist in abundance, there is a shortage of great managers that can profit from great ideas. Associated high prices can however quickly turn a great story into a sad story – once excessively high expectations are not met, prices eventually will collapse.
7. Build Contingency Plan for Overconfidence. It's important to have an exit strategy or contingency plan in place if things do not play out as planned. Overconfidence can be the pitfall for many investors, and this is not surprising when factoring in how highly people generally feel about themselves. Most believe they are better than average drivers, parents, and have superior intuition. This same overconfidence may not harm you in the real world, but in the financial markets, overconfidence can result in a woodshed beating. Confidence will not kill your portfolio, but arrogant confidence will.
8. Stick to Knitting. We all have our strengths and weaknesses. I do my best to stay away from my blind spots. As legendary baseball player Ted Williams discussed in his book The Science of Hitting, players are much better off by patiently waiting for the fat pitch in the sweet spot of the strike zone before swinging. Finding your sweet spot and not venturing out of your circle of competence is just as important in the investing world as it is in baseball hitting.
9. Trade Less. Trading is fun and exciting, but paying commissions on top of bid-ask spreads, impact costs, and other fees removes some of the enjoyment. Trading is a necessary evil to make profits, but requires the trader to be right twice – once on the sale, and another time on the purchase. Even if you are right on both sides of the trade, chances are the fees, taxes, commissions, and impact costs will remove most if not all of the profits.
10. Learn from Mistakes. Unfortunately, 2011 will be another year that I will not remain mistake-free. Conveniently forgetting investment mistakes is a great rationalization mechanism, but forever sweeping blunders under the rug without learning from them will not make you a better investor.
If you are able to set aside some of those Bonbons and pay off those credit card balances, then maybe you can join me and take on an investing resolution or two. Don't worry, like all resolutions, you always have the option of making the resolution without following through!
Wade W. Slome, CFA, CFP®
Plan. Invest. Prosper.
DISCLOSURE: Sidoxia Capital Management (SCM) and some of its clients own certain exchange traded funds, but at the time of publishing SCM had no direct position in any other security referenced in this article. No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Please read disclosure language on IC "Contact" page.


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Severe weather on several Greek islands early on Saturday has led to flooding that caused serious damage in the west of the country, according to local media.
Monsoon floods in Thailand have killed three people and submerged more than 68,000 households, officials said on Friday.
The Croatian water management company Hrvatske Vode is launching a project in cooperation with state institutions in Croatia and Slovenia, for integrated flood risk management in transboundary...
Residents living in low-lying areas of Indian information technology hub Hyderabad were being evacuated Saturday and IT firms asked their employees to work from home as days of rain led to floods...
More than 130 people have died and nearly 400 are missing in North Korea after Typhoon Lionrock caused severe flooding, according to a United Nations report released on Monday.
Widespread flooding in India was worsening on Tuesday, as several rivers, including the Ganges, rose above their danger mark and threatened to inundate further areas, officials and news reports...
At least 30 people have died in heavy monsoon rains and floods in central and northern India over the past three days, officials and news reports said Sunday.
At least eleven people have died and more than 30,000 people have had to be rescued from "historic" flooding in the southern US state of Louisiana, Governor John Bel Edwards said Tuesday.
At least seven people were killed and one was missing in flash floods in northern Vietnam that were triggered by heavy rain over the past four days, authorities said Monday.
Flooding in the US southern state of Louisiana was described Saturday as a "truly historic event," and the governor warned residents to brace for more rain.
At least eight people have died and more than 430,000 have been relocated due to the flooding across nine regions in northern and central Myanmar, the Ministry of Information said Saturday.
Croatian Foreign and European Affairs Minister Miro Kovac on Tuesday visited the Macedonian Embassy in Zagreb and signed a book of condolence, expressing his sympathy with the Macedonian people...
A severe thunderstorm that dumped torrential rain on the Macedonian capital, Skopje, has killed at least 20 people, Deputy Health Minister Nikola Todorov said Sunday.
Rescue workers in India found 18 bodies on Friday after a bridge collapsed over a flooded river earlier in the week.
At least 52 people were killed as floods driven by torrential monsoon rains ravaged India's eastern states, officials and news reports said Saturday.

subset: commoncrawl


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Secrets of Hallstead House
By: Amy M. Reade
Releasing July 17th, 2014
Macy Stoddard had hoped to ease the grief of losing her parents in a fiery car crash by accepting a job as a private nurse to the wealthy and widowed Alexandria Hallstead. But her first sight of Summerplace is of a dark and forbidding home. She quickly finds its winding halls and shadowy rooms filled with secrets and suspicions.
Alex seems happy to have Macy's help, but others on the island, including Alex's sinister servants and hostile relatives, are far less welcoming. Watching eyes, veiled threats…slowly, surely, the menacing spirit of Hallstead Island closes in around Macy. And she can only wonder if her story will become just one of the many secrets of Hallstead House…
Buy Links: Amazon | B&N | Kensington
Pete turned the knob and the enormous front door swung open soundlessly. We stepped into a large, sparse foyer. The floor had an intriguing harlequin look, with black and white marble tiles set on point in a diamond pattern. A small bench covered in a rich red fabric sat next to the door, and a grandfather clock ticked quietly to my left. A crystal chandelier hung from the ceiling, casting a soft glow over the foyer. Straight ahead was a broad staircase leading to the second story, and next to the staircase a wide hallway stretched toward the back of the house.
It was very quiet at first. Then I heard muffled, angry voices rising from within the residence somewhere. I couldn't tell if the voices were male or female, or what they were saying. Pete threw me a quick glance and shouted, "Hello! Anyone home?" The heated voices
stopped abruptly, and after a minute a tall, thin woman came into the front hall from the back of the house, wiping her hands on a dingy apron. I looked at her and was struck by how gray looking she was. Her hair, gray and shaggy, hung limply to her shoulders. She had watery gray eyes that looked slightly sunken, and even her skin had a tinge that reminded me of dirty dishwater.
She paid no attention to me as she greeted Pete, saying in a raspy voice, "Shut that door! It's cold in here." She reached past him and gave the door a shove, closing it with a thud. She inspected me through narrowed eyes and asked Pete, "Is this the new nurse?"
Pete answered her, "Yes. This is Macy Stoddard, Miss Hallstead's new nurse. Macy, this is Valentina Byrd, the housekeeper and cook at Summerplace."
I smiled and held out my hand to Valentina. She ignored me. Instead she turned to Pete and said, "You'd better go out and fix that damned awning over the porch before it starts to rain harder. It's leaking like a sieve. Miss Hallstead keeps asking me about it."
"No problem," he said, and turned to me. "Vali will show you where your room is." With that, he turned around and left, closing the door quietly behind him. I was left alone with Valentina.
She looked at me balefully and said, "Get your bags. I'll show you where you're gonna stay." I took my two suitcases and lugged them up the stairs behind her. At the top of the stairs Valentina turned to the left and walked toward a closed door. I glanced around me while she fumbled with a set of keys that she withdrew from her pocket. The second floor
reminded me of a hotel, with its closed doors and dim wall sconces.
It was chilly up there and I shivered. I glanced up and saw a cavernous space rising to a point above the second-floor hallway. That must be where the weathervane is mounted outside. Valentina finally found the key she was looking for. She inserted the key into the door and swung it open on slightly creaky hinges. The noise made the second floor seem positively haunted. I shivered again, though not from the chill this time.
"This here is your room. Your bathroom is inside to the right. If you need something, I'll be downstairs. Miss Hallstead told me to tell you that you can look around or rest until dinnertime. She is working in her rooms and doesn't like to be bothered while she's working.
Dinner's at six o'clock." With that, Valentina turned her back to me and started to close the door. Then she opened it again and glared at me, her watery eyes narrowing. "Don't get too comfortable—I don't think you're going to be here too long." Then she was gone. I listened as she clumped down the stairs. After such a reception, I felt thoroughly alone, and I was becoming increasingly apprehensive about this new job.
Author Info
Amy M. Reade is a debut author of romantic suspense. A native of upstate New York, she grew up in the Thousand Islands region and was inspired by the natural beauty of that area to write her first novel, Secrets of Hallstead House. She now lives in New Jersey with her husband, three children, a Bouvier des Flandres named Orly, and two rescued cats who refuse to answer to their names of Porthos and Athos.
Upon graduation from Cornell University and Indiana University School of Law, Amy practiced law in New York City, but soon discovered that her dream job was writing. In addition to volunteering with school, church, and community groups, Amy is currently working on her second novel, set in the area around Charleston, South Carolina.
Though Amy lives within sight of the Atlantic Ocean, she is partial to the blue waters of the Pacific and spends as much time as possible on the Big Island of Hawaii, which is the setting of her as-yet-unwritten third novel.
Kensington Publishers is giving away TWO Ebook Copies of SECRETS OF HALLSTEAD HOUSE at EACH stop on the tour.a Rafflecopter giveaway


text: i just got an Iphone 3G it is running version 2.2 and baseband 2.28 i want to jailbreak it and then unlock it for tmobile use. i used to have an ipod touch so i kinda know what to do but its been a couple months so i dont know how things work now. thanks!


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1960 Sunny Brook Court, Plover WI 54467 $449,900
Features of 1960 Sunny Brook Court Plover WI 54467
- Single Family Home
- Status: Active
- 4 Bedrooms
- 3 Full Bathrooms
- 1 Half Bathrooms
- Garage Size: 3.0
- Garage Type: 3 Car,Attached,Opener Included
- Est. Year Built: 2016
- Estimated Age: 0-5 Years, New Construction
- Estimated Square Feet: 2501-3000
- Est. Acreage: < 1/2
- School District: Stevens Point
- High School: Stevens Point
- County: Portage
- Property Tax Year: 2015
- Listing Company: Kpr Brokers, Llc
- Listing Agent: John Keyes
Property Description for 1960 Sunny Brook Court Plover WI 54467
1960 Sunny Brook Court Plover WI 54467 - Parade Of Homes 2016 Presented This Amazing Property. Blender Companies And Heartland Custom Homes Featured Many New Building Products And Innovations Throughout This Estate. Unique Is A Word Often Overused When Describing New Homes, But This Beauty Truly Lives Up To That Representation. Come Take A Private Tour Of This 4 Bedroom, 3.5 Bath, Nearly 3000 Square Foot House And An Oversized 3 Car Attached Garage With Extra Wide Doors.,this Home Sits On A Cul De Sac In A Highly Sought After Neighborhood Conveniently Located Within Walking Distance To Area Schools, Parks, And The Green Circle Trail. When You Enter The Foyer, You Will Be Welcomed By A Double Sided Gas Fireplace. Continue To The Fantastic Great Room And You Will Find Beautiful Reclaimed Barn Boards Above The Fireplace. The Open Floor Plan Brings The Kitchen, Dining Area, Great Room And Outdoor Patio All Together To Offer A Wonderful Space For Entertaining. Sonos Speaker System Adds Any Type Of Ambiance You Desire. Do You Enjoy The Culinary Arts? Well, This Kitchen Is Made For You. Functional Butcher Block Island With Range, Double Ovens, Deluxe Appliances And An Easily Accessible Dry Bar. Also, A Corner Pantry With Countertop Sized Shelve For Mini Appliances Such As Toaster, Coffee Make, And Mixers As Well As A Recessed Spot For A Tv, All Combine For A Chefs Dream. His And Her Vanities As Well As A Large Walk In Closet In The Master Bedroom Suite Offers Ample Space To Unwind. There Are Two Additional Bedrooms With A Jack And Jill Bathroom On The Opposite End Of The House. Descend To The Lower Level, And Find What Would Be Considered A Huge Nyc Apartment! A Comfortable Family Room With Dry Bar, Media Room Or Office, Fourth Bedroom And An Extra Laundry Room Makes The Lower Level Ideal For A Private Secondary Living Space Or A Calm Retreat.
Room Dimensions for 1960 Sunny Brook Court Plover WI 54467
- Master BR: 0.0 x 0.0
- BR 2: 0.0 x 0.0
- BR 3: 0.0 x 0.0
- Laundry: 0.0 x 0.0
- Kitchen: 0.0 x 0.0
- Living Rm: 0.0 x 0.0
- Other1: 0.0 x 0.0
- BR 4: 0.0 x 0.0
- Family Rm: 0.0 x 0.0
- 2nd Other Rm: 0.0 x 0.0
- Other4: 0.0 x 0.0
Other rooms
- Full, Partially Finished
Interior Features
- Heating/Cooling: Central Air, Forced Air, Radiant/Electric
- Water Waste: Municipal Sewer, Municipal Water
- Appliances Included: Dishwasher, Disposal, Microwave, Range/Oven, Refrigerator
Building and Construction
- 1 Story
- Roof: Shingle
- Exterior: Patio, Porch
- Construction Type: N Ranch
Land Features
- Waterfront/Access: N
|MLS Number
|New Status
|Previous Status
|Activity Date
|New List Price
|Previous List Price
|Sold Price
|Jul 19 2016 2:09PM
|Jan 15 2015 11:36AM
Estimated Monthly Payment
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Community Homes Near 1960 Sunny Brook Court
Buyer understands that the information which is contained on Data pages is obtained from a number of different sources and which has not been independently verified or confirmed by the various real estate brokers and agents who have been and are involved in this transaction. If any particular measurement or data element is important or material to buyer, Buyer assumes all responsibility and liability to research, verify and confirm said data element and measurement. REALTOR *MLS* Equal Housing Opportunity


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Baan Lonsai Beachfront Condominium
5/7 Ban Lonsai, Soi Takieb, Nongkae, Prachuab Kirikan, Khao Takiab, 77110 Hua Hin, Thailand – This neighbourhood is a great choice for travellers interested in family friendly exploring, relaxation, and beach walks – Check location Great location - show map
Excellent location — rated 10/10! (score from 2 reviews)
Real guests • Real stays • Real opinions
Compare availability by week:
6 reasons to choose Baan Lonsai Beachfront Condominium
Low rates
741 properties in Hua Hin
Manage your bookings online
109,260,000 independent reviews
This host will welcome you in English
Booking is safe
Facilities of Baan Lonsai Beachfront Condominium Great facilities! Review score, 10
Free! Free private parking is possible on site (reservation is needed).
Free! WiFi is available in public areas and is free of charge.
- Dining table
- Stovetop
- Oven
- Electric kettle
- Kitchen
- Microwave
- Refrigerator
- Kitchenette
- Wardrobe/Closet
- Towels
- Towels/Sheets (extra fee)
- Free toiletries
- Shower
- Shampoo
- Toilet paper
- Bath or Shower
- Bathroom
Living Area
- Dining area
- Sofa
- Seating Area
Media & Technology
- Flat-screen TV
Room Amenities
- Fan
- Trash cans
- Pool with a view
- Drying rack for clothing
- Fold-up bed
- Clothes rack
- Tile/Marble floor
Pets are not allowed.
- Entire unit wheelchair accessible
- Upper floors accessible by stairs only
- Entire unit located on ground floor
- Outdoor dining area
- Outdoor furniture
- Outdoor pool (all year)
- Balcony
- Terrace
- Garden
Common areas
- Shared lounge/TV area
Pool and wellness
- Beachfront
- Private beach area
- Fitness centre
Food & Drink
- Bottle of water
- Table tennis
- Golf course (within 3 km)
- Tennis court
Building characteristics
- Private flat in building
- Detached
- Airport shuttle (surcharge)
- Airport shuttle
Outdoor & View
- Pool view
- Sea view
- View
- Air conditioning
- Non-smoking throughout
- Lift
- Facilities for disabled guests
Languages spoken
- Thai
- English
Property surroundings Great location 10 – This neighbourhood is a great choice for travellers interested in family friendly exploring, relaxation, and beach walks – Check location Show map
Closest landmarks
- Cicada Market 0.7 miles
- Khao Takiap Temple 0.7 miles
- Vana Nava Hua Hin 0.8 miles
- Bluport Hua Hin Resort Mall 1.6 miles
- Hua Hin Bus Station 1.8 miles
Most popular landmarks
- Hua Hin Market Village 2.3 miles
- Hua Hin Clock Tower 3.2 miles
- Hua Hin Night Market 3.3 miles
- Pranburi Forest Park 7.6 miles
- Black Mountain Water Park 8.4 miles
14:00 - 18:00 hours
08:00 - 11:00 hours
Cancellation and prepayment policies vary according to room type. Please enter the dates of your stay and check the conditions of your required room.
Children and extra beds
All children are welcome.
There is no capacity for extra beds in the room.
Pets are not allowed.
Cards accepted at this property
Hover over the cards for more info.
After booking is made, guest's credit card will be charged, and confirmation voucher will be sent via email. Guests should check details for correctness and read terms and conditions.
For stays of up to 6 nights, a security deposit of THB 2000 is required upon arrival for incidentals. For stays of 7 nights or more, a security deposit of THB 5000 is required. This deposit is fully refundable upon check-out and subject to a damage inspection of the accommodation.
Please contact the property directly for a check-in after 18:00 hrs.
Housekeeping services are provided once a week for guests staying a minimum of 7 nights.
For guests staying longer than 6 nights, please note that guests will be required to pay for the entire electrical and water fees:
- Electricity fee will be charged at THB 8 per electrical unit.
- Water fee will be charged at THB 18 per water unit.
Please inform Baan Lonsai Beachfront Condominium in advance of your expected arrival time. You can use the Special Requests box when booking, or contact the property directly with the contact details provided in your confirmation.
No review score yet ...
We need at least 5 reviews before we can calculate a review score. If you book and review your stay, you can help Baan Lonsai Beachfront Condominium meet this goal.


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The influence of the Tea Party is about to endure a critical test, as lawmakers enter the second chapter of their deficit-reduction plan after approving a record increase in the debt ceiling.
Conservative Republicans have been conflicted over the 11th-hour compromise and the course of the debate as a whole. While they claim credit for shifting the conversation in Washington from stimulus to deficit reduction, Tea Party lawmakers and activists were disappointed with the result of the debt-cap talks.Continue reading on www.foxnews.com


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Is Bongani Pump Holdings incorrect or missing key business information? Update your Hotfrog listing today.
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Hotfrog SouthAfrica provides information regarding Bongani Pump Holdings in Pretoria Gauteng. Bongani Pump Holdings is located at 302 Pretoria Rd, Pretoria Gauteng and provides Transportation services. Contact them on 012 804 9518.
Is Bongani Pump Holdings in 302 Pretoria Rd, Pretoria Gauteng your business? Claim your listing and attract more leads by adding more content, photos and other business details.
We have more Transportation services in Pretoria Gauteng available on Hotfrog SouthAfrica. You can update your search for Pretoria Transportation by location, keyword or service options.
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Afonso Road 797 Montana Pretoria Gauteng 0182
251 CHURCH STREET Pretoria Gauteng 0183
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Articles tagged with: spam
Features and such, Week in Review »
Miss an article or two this week? That would be a shame, but don't worry as there's a convenient problem to that solution — in this handy article, you'll find links to all the posts from the past week.
And there were, indeed, a lot of articles from the past week. Why, we covered everything from a handy tip for people who switch from their iPhones to something else and find they can't receive texts to a few details about an accomplished guitar teacher in Benton. It was, as usual, a …
Technology »
Here's what we at First Arkansas News have learned since opening this little ole site back in April 2010 — getting a lot of traffic is great, but a bunch of spam comments come with it. Here's another lesson — there are a lot of methods used to control spam, but most of them range from inconvenient to simply awful.
First Arkansas News, of course, is built on the fantastic (and free) standalone WordPress platform. We went with WordPress because it is easy to navigate, is easy to install on a …
Columns and other comments, Features and such, Technology »
Tragedy struck here at FirstArkansasNews.
Well, we weren't exactly hit with a tragedy, but something extremely annoying happened. That's right — our email server was hit with enough spam to choke a horse. Just imagine wading through about 250 emails a day to get to the 20 or 30 that are worthwhile. As one might imagine, that sad state of affairs renders an email account just about useless.
We got in touch with David Hudson, the owner of Little Rock's Hudson Creative Services (HudsonCS), and asked for help. HudsonCS, of course, is …
Technology »
Captcha is one of the most obnoxious things about the Internet.
Sadly, it's also necessary at times.
What is Captcha? That awful bit of technology was developed in an attempt to make it impossible for nasty, automated bots to show up and slam comments sections on sites such as First Arkansas News with Spam.
Just about everyone has seen Captcha at work. It's that obnoxious little application that forces people leaving comments or filling in other forms on sites to interpret a bunch of squiggly, twisted letters and type them. Interpreting a Captcha …


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Your search ' activities cabin rv rainier 2 burner grill stove combo ' did not match any products.
Showing results using some of your search terms '
activities cabin rv rainier 2 burner grill stove combo '
Blog Results
American Mountain Guides Association Product ReviewWe are like a parent with a child they are proud of when we talk about products. They are ours, so of course we love them. Which is why it is always good when someone else reviews our product and has a thing or two to say, especially when it is good.
Camp Chef is Emergency PreparednessWhen disaster strikes you may have only a few minutes to get to safety. Those few minutes are critical to get your family and yourself to safety. In the wake of a disaster it can be hours, days, or even weeks before you can return back to your normal way of life.
Cook Just About Anything Anywhere with the Rainier Camper's ComboCooking a hot meal in the backcountry or at the worksite is easy using the Rainier Camper Combo with a stove, grill and griddle by Camp Chef. This cookery combination might sound big and heavy, however itâs just the opposite and still offers the power necessary to cook anything from pancakes to burgers to hot chili.
Camp Chef Emergency Preparedness Gear
Camping by the Green River - Guest BlogI am a big fan of Camp Chef. Iâve used their stoves for years and each year I look forward to seeing what new ideas they have come up with. I own a lot of their products and would consider myself a âCamp Chef Junkieâ.
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Things seems to be speeding up for us. Also we are in the studio recording our second album.
See you guys at a show!
Status: We took a month off playing shows to relax, enjoy our free time [we are all working professionals by day] and most importantly to record an album that we will be proud of for years to come.
Short Term Goals: Get a "foot in the door" in New Haven, Hartford, Portsmouth & Providence. Definitely an achievable goal.
Long Term Goals: In the summer we want to play every festival in the Northeast region who will have us. This fall we want to play predominantly to college campus's, NAPA organized events for example. This following winter we want to be involved in every skiing/boarding festival and event we can get our wolfhands on.


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Have you tried the Paw Plunger? Does it work? For what size of dog?
Holly from Richardson, TX
I checked out this link, as I had never heard of the Paw Plunger:
http://litterboy.com/Details.cfm?Pr ... amp;gclid=CK-QzoPDqJICFRImawodzl6FQg
I'm sure owners of dogs who love mud could easily create something like this for alot less than $30. Maybe use a short fat travel coffee mug (thrift store) with tulle or something?
Add your voice! Click below to comment. ThriftyFun is powered by your wisdom!


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Welcome to the Fine Arts Club of Pasadena!
Since 1913 The Fine Arts Club of Pasadena has supported the arts and artists of our community by sponsoring exhibitions, performances, and financial aid for students of the arts.
The Mission Statement of The Fine Arts Club of Pasadena explains the rationale for our existence. The Mission Statement can be found under a separate link at the top of this page. If you would like to learn more about who we are and what we do, please use the Request For Information form that is located under the Membership link at the top of this page. Additional information about The Fine Arts Club of Pasadena can be found on our Facebook page. Feel free to like us there!
Although some of our members are artists themselves, many of our members are arts patrons and supporters of the arts who simply enjoy art for it's own sake. Our membership meets for dinner meetings and visual arts exhibits or performing arts performances several times each year and we have a number of committee activities that facilitate our ability to carry out our mission.
On October 4, 2013, The Fine Arts Club of Pasadena celebrated its Centennial anniversary with a Gala Event at the Athenaeum at Caltech.
On February 2, 2015 the Fine Arts Club of Pasadena inducted Robert Barbera and John Walz into the Fine Arts Club of Pasadena Hall of Fame. Mr. Barbera is a Past President and Board of Directors member of The Fine Arts Club of Pasadena, and has been a major benefactor to The Fine Arts Club of Pasadena for several decades. Mr. Walz is a previous winner (1974) of the Performing Arts Award from the Fine Arts Club of Pasadena. Mr. Walz has had a distinguished career as a soloist and accompanist on the cello. He is currently Principal Cellist of the Los Angeles Opera.
Upcoming Events
Performing Arts Programs and Visual Arts Exhibits
Monday, December 7, 2015
Monday, February 1, 2016
Monday, April 4, 2016 Annual Awards Dinner
Monday, June 6, 2016


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Macaroni & Tomatoes
Total Time
Prep 5 mins
Cook 15 mins
My husband likes this just as it is. I like it with a meal. It goes good with ham and beans or fried chicken, mashed potatoes and gravy--very versatile.
Ingredients Nutrition
- 1 (16 ounce) can diced tomatoes
- 2 tablespoons butter
- 1 teaspoon salt
- 1⁄4 teaspoon oregano
- 2 cups uncooked macaroni
- grated parmesan cheese
- In a medium sauce pan heat tomatoes, butter, salt and oregano; bring to a boil.
- Lower heat to simmer; simmer 10 to 12 minutes stirring once or twice.
- Cook macaroni by package directions.
- Add cooked macaroni to tomato mixture. Sprinkle parmesan cheese on as to your taste.
- Enjoy.
Most Helpful
This is the dish I turn to when I want "comfort food"! I don't add the oregano or the parmesan cheese and my family calls this dish "Noodles and Tomatoes". I do add a bit more butter, heck...why not? It's comfort food! I highly recommend a great book, along with this dish and a glass of ice cold milk for lunch on Saturday. Delicious!
I make this all the time. It is equally good with just the tomatoes and macaroni (no extras). Enjoy!
Surprisingly good. I made this as a vegetarian main dish, served with some scrambled eggs on the side. (Recipe 29718, Cottage Scrambled Eggs). I used diced tomatoes with green chilis, so it had a nice bite. I used whole wheat rotini pasta. My only criticism is that it was not enough for six servings as a main dish. Next time I will use the whole box of pasta.


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Bushwackers Easy to install
Reviewed By Tyler C (Oceanside, CA) Reviewed for a 1999 Ford Ranger —6/29/2012 2:36 PM
My husband and I installed all (4) bushwacker flares in less than an hour. They look great and fit the truck perfectly.
Reviewed By Russel Lee R (GRANVILLE, OH) Reviewed for a 1999 Chevy Tahoe —10/19/2016 12:43 PM
Wow...on my Tahoe had to cut a full 2" off the fenders around the wheel. Not for the faint at hart. I'd say it's an 8 out of 10 on hardness scale. That said...looks totally sick when done!! I'm very happy.


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NOMOS Glashütte stands for a modern approach to design. Known for its clean lines and clever angles, the Tangente 38 is a pure expression of the Tangente line—only a little larger.


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- Description
- Specification
- Reviews
- Delivery
- Returns
Bio Active Sanitising Fluid Case x 12 Refills
Developed for use with the ACTIVA sanitiser, bio-active & ACTIVA provide a total solution for the effective prevention of hard water scale, uric acid scale, the control of bacterial growth and malodour in urinals, WCs and their associated piping.
How does bio-active work?
Bio-active is an advanced natural biological sanitising fluid.
Bio-active neutralises malodour by preventing the formation of scale and controlling the growth of harmful bacteria.
* Advanced 3 in 1 natural biological sanitising fluid
* Environmentally friendly biodegradable formula
* Really effective prevention of scale, bacteria & malodour formation
* Non-irritant, non-hazardous, non-corrosive & non-flammable
* Clean, light fragrance for end user satisfaction
* Mandarin variant available for a stronger localised fragrance
*Environmentally friendly, natural formula
*Bio-active does not contain chemical components. Alternatively it features friendly bacteria specially selected for their highly effective sanitising action
Feature Value Case Quantity 12 Brand Activa Manufacturer Reference Number CLNAVABIO/ Fragrance Mandarin Manufacturer Kennedy Hygiene
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Customer Questions & answers about the Bio Active Sanitising Fluid Refills (Case of 12) answered by our expert team.
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Absolutely Flawless Concealer
Flexible Coverage Concealer
Color: Vanilla / Light
Our creamy, pigment-rich, buildable formula smoothes on easily to provide sheer-to-full coverage. A naturally powerful combination of Vitamins A, E, and Chilean Tree and bark extract moisturizes, fights puffiness, and firms skin to help reduce the appearance of fine lines and the loss of elasticity. An innovative blend of Natural Marine Peptides and hyaluronic filling spheres help to increase eye area's hydration level to smooth surface imperfections.
More To Love:
- A naturally powerful combination of Vitamins A & E and Chilean Tree and bark extract moisturize, fight puffiness and firm skin to help reduce the appearance of fine lines and loss of elasticity
- Natural Marine Peptides and hyaluronic filling spheres increase hydration levels around the eye area and smooth surface imperfections
Net Weight: .27 Fl. Oz. (Metric: 8 mL) Ingredients: Hydrogenated Polyisobutene, Talc, Propylheptyl Caprylate, Caprylic/Capric Triglyceride, Cetyl Dimethicone, Dimethicone/Vinyl Dimethicone Crosspolymer, Boron Nitride, Butylene/Ethylene/Styrene Copolymer, Ethylene /Propylene/Styrene Copolymer, Silica, Cetyl PEG/PPG-10/1 Dimethicone, Hexyl Laurate, Polyglyceryl-4 Isostearate, Portulaca Pilosa Extract, Tocopheryl Acetate, Retinyl Palmitate, Ethylhexyl Palmitate, Cetearyl Ethylhexanoate, Methicone, Isopropyl Titanium Triisostearate, Sorbitan Isostearate, Isoceteth-20, Silica Dimethyl Silylate, Butylene Glycol, Diacetyl Boldine, Sucrose Cocoate, Sodium Hyaluronate, Palmitoyl Tripeptide-38, Caprylyl Glycol, Phenoxyethanol. (+/-): Titanium Dioxide (CI 77891), Iron Oxides (CI 77491, CI 77492, CI 77499). *Vegan-friendly
Reviewed by 68 customers
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the shade match was very good which is hard for a pale girl to find a good highlighting concealer but i hate to say this creases so fast! no a very good product especially for the price. :(
loved this concealer but after an hour or so at work it would crease so bad
Happy with the way this concealer turned out! Purchased the Vanilla shade during the 70% off sale. Tube was smaller than I expected but you really only need the tiniest amount for coverage and it blended to match my skin tone perfectly. I have dark circles under my eyes that Ive always felt self consicous about and this helps to eliminate the problem. No issues with creases and Im confident itll last me quite awhile.
Skeptical at first I purchased this at the 70%off Sale and just couldnt understand why it was so cheap. Too Faced face products never ever fail. I have oily skin and this concealer is absolutely amazing. Glad I bought more than one while on sale (:
Changed my life!!! Like with any other concealer I use under my eyes it creases really fast. But this helps perfectly
i love it
Did not like this concealer at all. It looked good when I put it on and as the day went on I could see a ton of crease make and its like the concealer sunk into every single pore. Very disappointed.
Ive had dark circles since childhood and Ive spent years and hundreds of dollars trying to find a concealer that worked for me. Every other concealor that seemed great would last less than an hour before my dark circles would show through but this lasts almost all day. The tube is small but lasts me over a year with daily use because you only need a tiny dab. After an 8 hour work day I can touch up my undereyes without cleaning off the area first and it still looks great. I wish more stores offered this product because I will never use another concealer.
When this product came in the mail it looked like a deluxe sample because of how small it is. The good thing about it is that a tiny bit goes a very long way. The only thing I dont like about it is I feel like it doesnt dry completely so it starts to crease after like an hour. But on the bright side it has amazing coverage.
I ordered a bunch of stuff from TF the other day and this was one of them. Im pretty upset at how small the product actually is. I expected it to be bigger considering it was still 20 but its no bigger than my pointer finger. Probably wont purchase again :/
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Upgrade Alert for The Williams Cos (WMB)
The Williams Cos (NYSE:WMB) was upgraded from Hold to Buy at Tudor Pickering today. The stock closed yesterday at $24.67 on volume of 15.7 million shares, above average daily volume of 12.0 million.
Potential upside of 92.9% exists for The Williams Cos, based on a current level of $24.67 and analysts' average consensus price target of $47.60. The stock should find resistance at its 200-day moving average (MA) of $30.61, as well as support at its 50-day MA of $17.38.
Over the past year, The Williams Cos has traded in a range of $10.22 to $61.38 and closed yesterday at $24.67, 141% above that low. In the last five trading sessions, the 50-day moving average (MA) has climbed 1.7% while the 200-day MA has slid 2.4%.
The Williams Companies, Inc. is an integrated natural gas company that produces, gathers, processes and transports natural gas. The Company's operations are concentrated in the Pacific Northwest, Rocky Mountains, Gulf Coast, the Eastern Seaboard, and the province of Alberta in Canada.
SmarTrend recommended that subscribers consider buying shares of The Williams Cos on April 21st, 2016 as our proprietary SmarTrend analytics indicated a new Uptrend was in progress when shares hit $19.11. Since that recommendation, shares of The Williams Cos have risen 31.5%. We continue to monitor WMB for any potential shift so investors can protect gains and will alert SmarTrend subscribers immediately.
Keywords: analyst upgrades/downgrades the williams cos
Ticker(s): WMB


text: Home Gallery Interactive (video) MIT Media Lab Identity MIT Media Lab: Identity Shape shifting Published on Mar 09, 2011 Editor's Pick MIT Medialab's new visual identity is based on an algorithm that produces a unique logo for each person, including faculty, staff and students. Each person can claim and own an individual shape, based on the three geometric shapes in the design used, and can use it on their business card and personal website. They can also create animations for any video content the Lab produces, using custom software. The identity is aimed at highlighting the spirit of collaboration the Lab represents, as it celebrates its 25th anniversary with a new building. Rate this Ad You must be registered to rate the ad. Please Login or Register Now About CreditsDateMar 09, 2011Agency:TheGreenEyl Client:MIT Media LabCreative Direction and Design:E Roon KangCreative Direction and Design:Richard TheProgramming/Design:Willy Sengewald CategoryBrand ID Latest Creativity News on Ad Age Entries Open for the Ad Age A-List and Creativity Awards Ice-T and Lemonade Star in Geico's Latest Spot 1stAveMachine, Click 3X, Humble Add Director Duos Advertisement Ad Age Events Nov 02 Los Angeles, CA SummitAd Age Brand Summit The Ad Age Brand Summit in Los Angeles peels apart the layers of brand building with a carefully crafted roster of top marketing, technology, and creative leaders. Learn more Related work MIT Media Lab: Knotty Objects - Phone m ss ng p eces MIT Media Lab: Knotty Objects - Steak m ss ng p eces MIT Media Lab: Knotty Objects - Bitcoin Want to see your work in our gallery? Submit now


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Zhang qunjian
Hydraulic Mandrel General Tons Of Automatic Jack
Tue Oct 18, 2016 15:00
Quick Detail:1、Place of Origin:Hangzhou,China2、Port of shipment:Ningbo3、Brand Name: ZDM4、Type: Prestressed Hydraulic Jack5、Warranty: 1 year6、Stroke:Customized7、Product name:Single ton automatic Jack8、Color:can be customized9、Transport:Shipping10、MOQ:One setPacking&Delivery:1、Packing Detail:carton box2、Delivery Detail:In stock 10 days;customized 15-20 daysProduct DescriptionA fully automatic hydraulic jack is provided with a combined valve hole in the base and a two-position two-way rotary valve, a double control one-way valve and a constant pressure one-way valve in the valve hole. This equipment processing technology is simple, easy to operate, can safely control the weight of the decline in speed, can be heavy load slow, no-load, light load, you can quickly and automatically retractable, fully controllable.Product photo url:
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Posted at: Offers to Sell and Export | Posted on: Mon 23 Feb, 2009 6:25 am |
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Shanghai AISD industry development Co., ltd is a professional manufacturer and exporter of hardware products
specialized in door, window and furniture hardware, such as sliding roller fittings, hinge, handle, door stopper and other fittings.
Collecting technology, advanced equipment and profession, our sliding door, folding door, glass sliding door, wood sliding door, hanging & sliding door, suspending and sliding door, walk-in wardrobe and relevant hardware fittings in excellent quality, fashionable, durable and easy installation, are popular in home decorative field .our products gained unanimous affirmation and good appraisal from customers at home and oversea.
Our sliding rollers/wheel are well made of durable and noiseless & improved nylon imported from Germany, with special polishing process, the rollers are smooth, without mould trace, no sharp edge, no leap, fashionable design .
The company always sticks to the tenet of " keep improving the best quality as conception, Zero-disfigurement as the goal seeking, Customer 's Satisfy as the Promise". Through technology innovation, we would like to provide you more competitive prices, first-class quality and superior service" base on the mutual benefit and a long business cooperation .
OEM & ODM services are provided. Competitive Prices, excellent quality and fast delivery are promised.
Company Contact:
Contact Name: David
Company Name: Shanghai Aisd Industry Development, Ltd
Tel: 86-21-52713972
Fax: 86-21-52716160
Street Address: 508 No. 68, Meiling Rd., Shanghai, China
Member name: Aisdsh
Member Since: 13 April 2008
Total Leads:
16 Aisdsh Import Export Business Leads
Business focus: Sliding Door Roller, Sliding Glass Door, Furniture Sliding Door, Sliding Wood Door, Wardrobe, Wardorbe Sliding Door, Bi-folding Door, Partition Door
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Sliding Door Roller , Furniture Door Roller , Glass Sliding Door Roller , Wood Door
- By Aisdsh - On Sun 13 Apr, 2008 7:34 am: sliding amp amp folding door including sliding roller fittings hinge handle and other accessories our suspending and sliding door glass hangin....
Mercedes Sprinter Door Middle Sliding Mechanism / Door Opening Roller / 901 760 13 47
- By mersanotomotiv - On Fri 10 Jun, 2011 11:54 am: sliding mechanism door opening roller 901 760 13 47
Mercedes Sprinter Door Lower Sliding Mechanism / Door Opening Roller / 901 760 01 28
- By mersanotomotiv - On Fri 10 Jun, 2011 11:53 am: sliding mechanism door opening roller 901 760 01 28
Hanger Sliding Door Roller
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Glass Sliding Door Roller
- By Aisdsh - On Sun 13 Apr, 2008 5:57 am: sliding amp amp folding door including sliding roller fittings hinge handle and other accessories
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Offer Auto Parts Lock Actuator, Sliding Door Roller Assy, Door Lock Latch, Handle And So On
- By jimmjjn - On Sat 13 Jun, 2009 6:41 am: sliding door roller for toyota hiace van for kia besta kia prg door lock hinge roller ford transit turn signal switch for gm oem no gm1245006....
Sell Sliding Door Roller Fittings
- By Aisdsh - On Sun 13 Apr, 2008 5:34 am: sliding amp amp folding door including sliding roller fittings hinge handle and other accessories collecting technology profession and expor....
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Shandong Ruili Hardware Co Ltd
: Michael Yan Of Shandong Ruili Hardware From China
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: Aimee Wang Of Dalian Golden House Door and Window Manufacturer From China
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What is the 'Vacancy Rate'
The vacancy rate is the percentage of all available units in a rental property, such as a hotel or apartment complex, that are vacant or unoccupied at a particular time. It is the opposite of the occupancy rate, which is the percentage of units in a rental property that are occupied. High vacancy rates indicate that the property is not renting well; low vacancy rates point to strong rental sales.
BREAKING DOWN 'Vacancy Rate'The vacancy rate can also apply to the number of open positions a company currently has in comparison to the total number of positions available throughout the company. When related to other employment metrics, such as turnover or employee longevity, a vacancy rate can provide indications as to how successful the company is at advertising open positions and retaining current employees.
In real estate, the vacancy rates most often represent units that are vacant and ready to be rented, units that have been turned off upon the exit of a tenant, and units that are not currently rentable because they are in need of repairs or renovations. In employment, the vacancy rate indicates the number of positions the company has allocated for the performance of certain duties that do not currently have an employee functioning in that space.
The vacancy rate is calculated by taking the number of vacant units, multiplying that number by 100, and dividing that result by the total number of units. The vacancy rate and occupancy rate should add up to 100%.
Analysis of Vacancy Rates
A property owner can use vacancy rates as a metric for analysis. Changes in the percentage of vacant units versus occupied units, the length of time occupied units are remaining active, or other rental conditions can provide guidance regarding how competitive a property owner has set the property. If a property owner is charging significantly more or less than the rest of the rental market, this may be reflected in the overall vacancy rates. It can also provide information regarding the effects of price changes or advertising on unit occupancy.
Vacancy rates are tabulated by the U.S. Census Bureau, along with information regarding the amount being charged for rent and details about the property. This information can be used, in conjunction with other information, to help determine the health of an economy by examining changes in the number of units available and the average prices of available or occupied units.
Effective Gross Income - EGIThe amount of income produced by a piece of property, plus miscellaneous ...
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The 10 U.S. Cities With the Most Vacant HomesHere is a look at ten U.S. cities that have the highest home vacancy rate. We examine the cause behind this problem.
The 6 Best States For RentersThese areas offer the most bang for your rental buck.
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Top 10 Features of a Profitable Rental PropertyLooking to purchase a rental property? These are the factors that should be considered for income-producing real estate.
Costs New Investors in Real Estate Do Not ConsiderAs lucrative as real estate investment can be, there are a multitude of costs that new real estate investors must consider.
3 Reasons to Invest in Multi-family Real EstateHere are three reasons to consider investing in multi-family real estate as opposed to single unit rental properties.
Tips For The Prospective LandlordInvesting in rental property can generate serious income, but there's more to it than collecting rent.
8 Must-Have Numbers For Evaluating A Real Estate InvestmentThese calculations can help you figure out if a particular property will be a valuable investment.
Rent Revenue: A Growing Income Source for U.S. HouseholdsNever before has rental revenue represented such a large share of income gained by American households.
How To Value A Real Estate Investment PropertyTwo common methods for real estate valuation are the discounted net operating income and gross income multiplier approaches.
An appraiser forms the following estimates for a rental property ...Free info on financial certification exams including study guides, exam questions, and much more! Read Answer >>
Does homeowners insurance cover vandalism?Discover how vandalism is covered under most all-perils home insurance policies except if the home has been vacant for a ... Read Answer >>
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What do real estate investors look for in a property?Profit from real estate investments by either flipping homes or becoming a landlord. Learn best practices for a successful ... Read Answer >>
What is the importance of the capitalization rate in real estate investing?Find out why an investment property's capitalization rate is important to real estate investors and how it can be used to ... Read Answer >>


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Review and dynamics
Preliminary agreement to reduce oil production to the levels of 200 000 – 700 000 barrels per day, which was adopted last week has caused sharp rise in oil prices. Today, spot price of crude oil Brent has grown by $1 per barrel, reaching the level of 50.70.
The price has repeatedly rebounded from the level of 50.70 and started either short-term or medium-term reversal, such happened in November 2015.
At that time the price sharply went down to the annual lows at the level of $27.00 per barrel.
The level of 50.70 is Fibonacci 61.8% to the decline from 65.30 to the lows of 2016 at the level of 27.00.
Our opinion
Measure by OPEC may be insufficient to change the situation with the oversupply of oil. It may happen that these measures will never be implemented. Investors shall be very careful when opening long positions as the price may rebound from the current levels. It is also possible that the price of crude oil Brent can return to the balance line and support level of 46.20 (Fibonacci 50.0% and the moving averages ЕМА200 and ЕМА144 on the daily chart). The level of 46.20 is crossed by the lower line of the ascending channel on the weekly chart.
On the hourly and 4-hour charts Stochastic is in the overbought zone. if the price rebounds from the level of 50.70 and go down, the first target will be at support level of 47.50 (ЕМА200, ЕМА144 on a 4-hour, ЕМА50 on the daily charts).
The second target will be the key level of 46.20.
Break down of this level may trigger further decline in oil prices.
The nearest targets will be the levels of 43.65 and 41.70 (Fibonacci 38.2% and lows of July/August).
As an alternative scenario the price will grow up to the levels of annual highs of 52.80.
However, the meeting in Algeria has finished; Russia is close to absolute record in oil production above 11 million barrels per day; the number of active drilling rigs in the USA is growing steadily in the past 10 consecutive weeks (recent number is 425 units), the Fed continues to repeat that the rate hike in the US A may take place at the end of the year; Iran intends to reach the pre-sanctions level of oil production of approximately 4.1 million barrels per day.
So, only very optimistic investors will continue to increase long positions on oil in this situation.
Support levels: 50.00, 47.50, 46.20, 45.00, 43.65, 41.70 and 41.00.
Resistance levels: 50.70, 51.0 and 52.80.
Trading tips
Sell on the market. Stop-Loss: 51.30. Take-Profit: 50.00, 47.50, 46.20, 45.00, 43.65 and 41.70.
Buy Stop: 51.30. Stop-Loss: 50.60. Take-Profit: 52.00 and 52.80.
Critical level of 50.70
The levels of the range: 50.70, 46.20 and 41.70


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THIS IS A DIRECTORY PAGE. Britannica does not currently have an article on this topic.
Alternative Titles: Eocambrian System, Infracambrian Period, Infracambrian System
Learn about this topic in these articles:
relation to Lipalian interval
...and the productive Cambrian strata, because many localities are now recognized throughout the world in which no break exists in the sedimentary record from the latest Precambrian (sometimes termed Eocambrian) to the earliest Cambrian.


text:
The September To-Do List »
From vacation ideas to gardening preparation, check out our September checklist to enjoy the rest of summer and get ready for fall.
YP - The Real Yellow PagesSM - helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and the amount of useful content in the listing, such as consumer reviews, detailed descriptions and photos, to help you evaluate a business's suitability for you. In addition, YP advertisers receive higher placement in the default ordering of search results on our sites and apps, and they may appear in sponsored listings on the top or side of the search results page.
Dealer Discounts On 2017 Models
Save Thousands on all 2017 Models
730 Golden Springs RdAnniston, AL 36207
Roads are terrible.Grave sites are a disgrace not only to people buried out there but also to the familys,needs a complete overhauling.
Showing1-1 of 1results
From vacation ideas to gardening preparation, check out our September checklist to enjoy the rest of summer and get ready for fall.
There's still one month of summer left. Before those lazy, hazy days come to an end, use our get-things-done list to make the most of this fleeting season in the sun.
Try these deceptively quick, easy, and sometimes very affordable tricks to up your home's exterior.


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This adorable female German-Shepherd mix puppy was rescued from the shelter shortly after birth and raised in a loving foster home with her mom and littermates. She has been dewormed and has had her first shots. She is primarily white with one adorable black ear. She is a happy, playful little puppy who will do well in a family that can give her lots of attention and training to ensure she grows into a well behaved dog. If you would like the excitement and responsibility of adding a puppy to your home, please consider this little gal!


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Being reared by a mother who was a wonderful cook, I rarely had the chance to do so, Mother's idea being for me to watch her do it. As most teenagers, I had little time for this inactive pursuit. Finally, Mother allowed me the honor of preparing a cake with her being the watcher. Since the cake to be baked was a pound cake, I thought this was a one-step procedure requiring little effort. How wrong I was! Mother had no mix master or electric appliance; the cook beat and beat and beat by hand. I had a much ...
Mr. and Mrs. Jody Stevens of Camden announce the engagement of their daughter, Brennan Ashlyn Stevens to Evan Porter Brown.
Mr. and Mrs. George Little of Camden announce the engagement of their daughter, Meredith Anne Little to John William Floyd of Sumter, S.C.
Miss Jessica Porter Kohn of Charleston, S.C. is engaged to Michael Andrew Hamilton, also of Charleston.
The Walter M. Crowe animal shelter is in desperate need for temporary foster homes for dogs leaving for rescue groups up north. If you are interested please call the shelter at 425-6016 as soon as possible. Animals must be out of the shelter for two weeks in a foster home before they can leave.
The 2013 Kershaw County Farmers Market Vendor Open House will be held on March 5, from 5:30 to 7:30 p.m., at the Extension Homemakers Building, 634 W. DeKalb St., Camden. Anyone who is interested in becoming a vendor is invited. Please contact Shannon Harbor at email@example.com or 803-587-5008 if you have any questions.
WASHINGTON -- RINO-hunting, the long popular political sport that morphed in 2008 into a sort of hysteria-driven obsession, lately has become a suicide mission.
• Kudos to the Big Ten conference, which is considering requiring its member schools to stop scheduling "powderpuff" teams; the move comes as resistance increases to the popular practice of schools padding their non-conference schedules with smaller schools which have little football prowess. The practice makes final records look good and it provides a big payday for the small schools, but with ticket prices at high levels, the fans get soaked for watching runaway games.
Mr. Nelson "Pete" Brown Jr., 63, of Rockford, Illinois and formerly of Lucknow entered into eternal rest on Monday, February 18, 2013. Born in Lucknow he was the son of the late Nelson, Sr. and Janie Joe Brown and the husband of Martha Tillman Brown. A celebration of life service will be held at 1:00 p.m., Wednesday, ay Saint Matthew Baptist Church, Bethune, with burial in church cemetary.
A memorial service celebrating the life of Mary Ramseur Lindsay, 84, of Camden, will be held at 4:00 p.m., Sunday, February 24, 2013 at Grace Episcopal Church in Camden. Rev. James Barnhill will officiate. Memorials may be made in Mrs. Lindsay's memory to Grace Episcopal Church, 1315 Lyttleton Street, Camden, SC 29020 or Alzheimer's Disease & Related Disorders, Association-Mid-State-SC, 3223 Sunset Blvd. Suite 100, W. Columbia, SC 29169.
On the slope of Malvern Hill is where John Young saved Henry Truesdale's life. Jim Sheorn and W.S. Kirby were on each side of Young.
A funeral service celebrating the life of Emily Stevenson Vereen, 88, of Camden, will be held at 11:00 a.m, Monday, February 25, 2013 at Bethesda Presbyterian Church in Camden. Rev. John Hallman will officiate. Family will receive friends following the service in Westminster Hall. Burial will follow in Quaker Cemetery. Memorials may be made in Emily's memory to Bethesda Presbyterian Church, 502 DeKalb Street, Camden, SC 29020.
The seventh annual McDonald's of Camden Sporting Clays Tournament will be held on Saturday, April 6 at Hermitage Farm Shooting Sports in Camden. The event benefits the Ronald McDonald House of Columbia.
The North Central High School varsity softball team is sponsoring the inaugural "Beat Cancer With a Bat" Lady Knight Invitational beginning on Tuesday, Feb. 26.
Page 649 of 1154
Mr. Howard Lee Johnson, 59, of 1504 Campbell Street in Camden passed away Saturday, November 19, 2016. Viewing only is planned and will be held ...
Mary Goodwyn Hartzler, 95, of Camden, SC, died Tuesday, November 15, 2016. She was born September 20, 1921 in Charleston, SC, the daughter of the ...
Funeral service for Mr. Elliott Brevard , Jr., 78, of 1606-A Kershaw Hwy in Camden, will be held Tuesday, November 22, 2016, 1:00 P.M ...
A trio of Camden residents helped the Red Roses tennis team, based out of Rock Hill, to the USTA Southern Sectional 65-plus tennis title. The ...
North Central running back/defensive back Cedrick Cunningham has been named as one of five finalists for South Carolina's Mr. Football.
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The North Face El Misti Men's Trench Coat combines streamlined style with waterproof protection for those rainy days out on the hiking trail. Made using waterproof outer fabric, the trench-length coat features a fixed funnel neck hood for added protection, along with a Velcro placket over the centre-front zipper to keep wind and rain out. There are also Velcro tabs on the cuffs to help keep you warm against the cold. The coat features a reverse-coil zipper on the side-entry hand pockets, while exterior media pockets provide additional secure storage.
NOTE: Find in Store Inventory levels are continuously changing. Please contact store to confirm availability is as shown.
- Reverse-coil centre-front zipper with Velcro placket for added waterproofing protection
- Trench-coat length with back vent for optimal coverage
- Fixed hood with funnel neck for added protection from the cold
- Velcro tabs on cuffs for a secure fit
- Average Weight: 567 g / 20 oz.
- Centre Back Length: 34"
- Solid Shell: DryVent; 2L 100% Nylon Faille
- Tweed Shell: DryVent; 100% Polyester
- Lining: 100% Nylon Taffeta
Shipping Info:
- Leaves the warehouse in 1-7 business days depending on order volume.
- Items may be returned within 60 days of the order date to an Atmosphere retail store or an Atmosphere warehouse. Items must be returned unused/unworn and electronics unopened. See Online Return Policy and Return Instructions for more information.
- Note: Shipping restrictions may apply based on location and product size.