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If you have ever subscribed to the popular Ibottson Data booklet, you will know that the Dow Jones gave investors returns slightly in excess of 10% from 1926 through 2006. That's where the oft-referenced "10% annual returns" achieved its statistical legitimacy. For a modern look at large-cap stocks in general, you can click here to see that the big American stocks achieved general returns of 9.8% annually from 1926 through the end of 2012.
But if you are seeking to beat a major benchmark index such as the S&P 500 over an extended period (~10 years), then the reasonable implication is that you would want to acquire ownership stakes in companies that have a plausible likelihood of achieving returns in excess of 9.8% or so during the coming decade.
There are a lot of ways that you could do that, but if you have the intent to do it with: (1) companies you do not sell over that ten-year time frame, and (2) companies that will pay dividends over the entirety of that ten-year time frame, then you should be focused on finding stocks that meet these two criteria:
(1) The companies will have earnings per share growth rates above 10% annually for the next decade, and
(2) At the time you make your purchase, the stocks should be trading at fair valuation (or better) so that you can capture the full benefits of the earnings per share growth rate.
If I wanted to construct such a portfolio, here's where I would start.
I would take a good, hard look at Visa (NYSE:V) stock.
With a company like Visa, it is easy to find a lot of superficial reasons to avoid buying any shares of the company. Firstly, and perhaps most importantly, it appears to be trading at a steep valuation.
If you look at a popular stock screener for Visa, you will see that the company is trading at $202 while seemingly earning $5.80 per share for a P/E ratio apparently in excess of 34x earnings. Considering that I have gone on the record criticizing investors for paying more than 30x earnings during the tech bubble, and considering that I have expressed admiration for Benjamin Graham's advice to avoid trouble by never paying more than 20x earnings for a company, I should explain why Visa qualifies as a common-sense exception.
The $5.80 figure that you see in stock screeners may tell you Visa's current earnings, but it does not tell you Visa's current earnings power. Visa management is aggressive in its accounting of impairments in its financial reports, but once you strip them out, you will see that Visa is about to earn $7.60 per share this year (with each share generating over $8 per share in cash flow). From an earnings power perspective, Visa is valued more reasonably at 26x earnings rather than 34x earnings.
But still, that may seem high, and I think you need to be sympathetic to the Charlie Munger playbook of investing to find Visa an attractive investment at current prices. What I mean by that is this: Charlie Munger once said that the most common way for an intelligent man to make an investment mistake is to buy shares in a steel company. That's because even though steel companies seemed to be trading at 6-7x earnings, they were actually value traps because they required heavy new capital expenditures that ate up all the profits. "Steel mill investing" is metonymic jargon that points out the general truism that P/E ratios are meaningless if not interpreted within the context of capital expenditures.
In the case of Visa, everything is clean-the company has no pension plan, no preferred stock, and not even a dollar of debt on the balance sheet (Visa is one of the few companies that conducts its buyback program by taking cash profits to retire shares, and then destroying them so that you get an ownership claim on a larger slice of the enterprise).
And the company is only spending $0.50 per share in capital expenditures, while having over $7.60 in earnings power. Unlike the steel mill that has to constantly reinvest its profits to maintain the status quo, Visa retains giant sums of cash to give investors honest-to-god topline earnings growth that also manifests itself in the form of a high dividend growth rate (namely, a dividend that has sextupled since 2008) over the long term because the low reinvestment needs allow chunks of profits to be extracted from company coffers and transferred to the pockets of you, the owner.
Visa's current international growth story is one of the best among large-cap companies domiciled in America. It's hard to find an international market where Visa is not growing by double-digits. It's growing by almost 14% in Asia, just shy of 20% in Latin America, and almost 30% in Central Europe. Companywide, revenues are currently growing over 15% annually. That's what happens when you are expanding Visa, Visa Electron, Plus, and Interlink brands in over 200 countries simultaneously while achieving 20.5% returns on shareholder equity and a 63.5% operating margin that is superior to almost every company I currently own.
On a more personal note, there are two factors that entice me towards a Visa investment. The first is that the company is resilient during periods of economic hardship. In 2008-2009, the annual dividend doubled from $0.21 to $0.44, earnings per share increased from $2.25 to $2.92, and cash flow per share increased from $2.50 to $3.22. While I never insist upon annual profit growth, I do find investment judgment calls easier to make when profits and dividends are actually increasing during exceptionally difficult economic environments. Because of that economic resilience, Visa passed the economic catastrophe stress test in my book.
And secondly, I find Visa well-positioned to survive (and even thrive) during periods of high inflation, both here and abroad. That is because Visa operates on the Gross Dollar Volume business model. The company's business is partially set up to receive compensation based on the amount of money spent, and when inflation causes increases in total spending, Visa continues to take in a percentage of that. It's a natural, built-in hedge.
The type of person least likely to be interested in Visa would be an investor that needs to see material amounts of dividend income generated right now, perhaps to meet living expenses or to meet a pre-defined objective of total dividend income generated. The dividend yield is currently 0.65%. If you own a modest amount of Visa stock, an aggressive day of scouring the couches for loose change might produce more money than what you'd get from the Visa dividend.
Given that I have spoken so glowingly about Visa's business model, I should explain why I do not currently own the stock. For most of this year, I had spent my time buying shares of Microsoft (NASDAQ:MSFT), IBM (NYSE:IBM), and Becton Dickinson (NYSE:BDX). Together, they have a blended dividend yield of 2.4%, and that is including Microsoft's recent sizable dividend increase.
Those three purchases brought my portfolio's overall dividend yield below what I desired. A first-world problem, to be sure, but a circumstance I wanted to change regardless. That means I spent most of my summer and early autumn buying shares of yield-rich energy giants, namely BP (NYSE:BP) and Royal Dutch Shell (NYSE:RDS.B) to raise my overall yield. In the context of buying Becton Dickinson and IBM, a purchase of Visa needed to wait (you can only draft so many speedy wide receivers in a row before you need to pay attention to adding big offensive linemen that churn out immediate profits so you can give the speedsters the necessary time to grow).
Given its low reinvestment needs and double-digit international growth, it seems reasonable that Visa will continue its path of double-digit growth. And when a company is growing by 13-17%, it is unlikely that the overall valuation that marks "fair value" will decline, absent the emergence of a new economic impediment that is not a presently known risk factor. When valuation holds steady, and when you own something poised to clear the 10% annual earnings per share growth mark, then you have found fertile ground for making an investment that will outstrip the S&P 500 over the long haul, and more importantly, give you the growth necessary to create substantial personal wealth.
Disclosure: I am long RDS.B, MSFT, BDX, BP, IBM. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


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Nothing to Mock
Hear ye! Hear ye! The Pace Mock Trial/Law Society made the case with an impressive performance at the American Mock Trial Association regional competitions.
When the Pace Mock Trial/Law Society reached out to us to share the news about their performance at the American Mock Trial Association regional competition at the University of Delaware, we had no objections. The team was, without a shadow of a doubt, guilty of performing extremely well against top teams from Princeton University, Seton Hall, Swarthmore, Fordham, and the University of Maryland on February 15 and 16.
Pace Mock Trial/Law Society President Bridget Winkler '15, along with teammates Brendon Batterson '15 and Michelle Cooper '17, made up a defense team that won an entire trial. One of their witnesses, Jessie Huffman '17, was recognized by the competition with an award for Outstanding Witness Performance.
"Nearly every attorney was ranked during their trial and every single witness was ranked at least once. We are extremely pleased with our performance this year and were proud to represent Pace University in the American Mock Trial Association regional competitions," says Winkler. "We are coached by two dedicated individuals: Lubin Professor James Castagna and Pace University alumnus Conrad Cantor. Without them, our accomplishments this year would not have been possible."
Pace senior Adrian Morris '14, who has been on the Mock Trial team for three years, is proud of his accomplishments during his final year.
"Being a member of this team has done wonders for my confidence in my ability to articulate. During my time on the Mock Trial team, I have competed against the best schools in the country: Princeton, NYU, and Swarthmore are a few which come to mind. I'll never forget the invaluable experiences I have had with Mock Trial and I'm honestly sad that it's over. For those who are interested, I recommend the Mock Trial seminar class with Professor Castagna, because it greatly supplemented my preparation for this year's competition."
First-year student Ashley Unangst '17 is just getting started and couldn't be more proud.
"Saying that joining the Pace Mock Trial team was the best decision I've made since I started here at Pace would be an understatement. Not only did it really mark the beginning of my journey to law school and the experience of writing direct and cross examinations itself was priceless, but also because the team is a group of such amazing people," says Unangst. "I do feel as though the experience put me a step ahead of other aspiring attorneys who have never dealt with the work that actually needs to be put into a court trial, and I highly recommend the Pace Mock Trial team to anyone who is interested. Even if law is not part of your future career goals, it is still a great organization to be a part of."
Interested in joining the Pace Mock Trial/Law Society? E-mail them at firstname.lastname@example.com or follow them on Twitter @PaceLawSociety.
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The Rockettes and Santa. Rudolph and the reindeer. Scrooge and the Nutcracker. All the characters are out in a variety of shows in NYC and Westchester.
Let it Show
Want to get some last-minute shopping done but don't know where to go? Have family coming into town and you want to show them bright lights and performances? Want to spread your cheer to someone in need? Done, done, and done. Check out our 2016 holiday guide!
Pace Holiday Guide 2016

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Display Your Talent and Knowledge, Win Prizes at The Game Show Show...and Stuff!
* Additional fees apply. No coupon or promo codes necessary to enjoy the displayed discount price.
The last date listed for The Game Show Show... and Stuff! was Saturday April 9, 2011 / 11:00pm.
Currently at Chopin Theatre Mainstage
Diamond Dogs: A Ferocious Sci-Fi Adventure
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Set in the Revelation Space Universe of acclaimed sci-fi author Alistair Reynolds, this world… More
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Featured review from Katrena Greene
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It was enjoyable and the performers were entertaining. Only 4 people from the entire audience were selected and 2 of them were a couple. I recommend for anyone that enjoys game shows. It reminded me of a very, very, very low budget of the price is right.
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It is a great show with a lot of audience interaction. The Island Pacific Dancers were a "random" and yet pleasant surprise. They definitely make you feel comfortable even when you don't know any of the answers to black history month. I was pulled...continued
Quotes & Highlights
"Best Late Night Show of 2007 and 2008!" —_Chicago Reader _
"Best Kept Secret" —_Chicago Reader _
Visit The Game Show Show…and Stuff's "Facebook ":http://www.facebook.com/#!/pages/The-Game-Show-Show-and-Stuffand "Myspace ":http://www.myspace.com/gameshowshowandstuffpages.
Throw Double Dare, Jackass, The Price is Right, and Soul Train in a blender…strain and serve on the rocks. Or rather, serve on the set of House Theatre's newest production of Star Witness._
__It's The Game Show Show…and Stuff!_ and the name says it all: a show – with games – and stuff! What kind of games? Trivia games, physical challenge games, good old-fashioned guessing games.
What kind of stuff? You name it! Live music, dance numbers, comedy and more.
The audience can win fabulous prizes by performing ridiculous feats or ridicule the performers without leaving their seats.


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10 posts tagged with states and us.
Displaying 1 through 10 of 10. Subscribe:
Flying Damaged US Flags
The US military follows a time honored tradition of retiring and destroying damaged US flags. That protocol is outlined in US Code, Title 4, Chapter 1 which (link) outlines the disposing of such flags in a manner that shows respect for the flag and the service it has provided. Yet, I frequently see people flying very damaged flags in very prominent locations. [more inside]
How do I get an international money order in the US to send to Portugal?
I need a 20 euro money order to get some documents from Portugal. How can I get this in the United States? [more inside]
Black people killed by black cops?
Where can I find statistics of black officers who have used lethal force against black people.
Warm Worms
The US and Israel, according to all accounts, are behind the Stuxnet and Flame worms. Does the creation and deployment of these cyber espionage worms violate any treaties or international law? Does the creation and deployment of these worms violate any existing domestic law? [more inside]
Census information for US, circa 1995?
Where can I find the population of US states in 1995? [more inside]
Am I Eligible for Dual Citizenship?
Can I, having been born in the US to a British citizen before 1983, attain dual citizenship? [more inside]
Where should I go (besides the Freak States)?
where should I go in the lower 48, and what should I do when I get there? [more inside]
US States List puzzle
Does anyone remember the US States List puzzle? Was it ever resolved? (More inside, thank you please.) [more inside]
What would happen if the "blue states" seceded?
I was looking at a spoof map showing the 'United States of Canada' and 'Jesusland'. In it, the 'blue' states were now part of Canada, and the 'red' states were what's left of the US. With the increasing divide between the two sides, what would happen if those 'blue' states seceded somehow. Don't they represent most of the economic prosperity in this country? And what does that fact say about the this country?
(I know this is not possible, but it is interesting to look at the relationship between economics and political leaning.)
(I know this is not possible, but it is interesting to look at the relationship between economics and political leaning.)
How many Generals and Admirals are in the US armed forces?
How many Generals or Admirals, 1-4 star, are in the US armed forces?
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ESET Appoints Roop Technology as their Regional Distributor
Roop Technology will distribute ESET Retail and Corporate Products for Andhra Pradesh, Gujarat and Maharashtra
ESET, global provider of security solutions for businesses and consumers, appoints Roop Technology as their new regional distributor.
(PressReleasePoint) -BANGALORE/ MUMBAI, India - March 13, 2014
ESET, global provider of security solutions for businesses and consumers, appoints Roop Technology as their new regional distributor. Roop Technology will distribute ESET retail and corporate products across Andhra Pradesh, Gujarat and rest of Maharashtra. Roop Technology has offices spread across in these regions which make them strong on the distribution front.
Roop Technology will look after the distribution of ESET retail and corporate products in Andhra Pradesh, Gujarat and Maharashtra using its strength in reaching small cities. They have a strong connection presence across these regions and 1250+ partners across India. They will be distributing ESET products in class 'B' and class 'C' cities.
Apart from Roop Technology, ESET has 7 regional distributors for different states catering to different verticals
- Link Telecom: West Bengal, Bihar, Orissa, Jharkhand and North-East states
- RS Computer Enterprises : Karnataka, Tamil Nadu & Kerala
- Synapse : Delhi NCR
- Param System : Uttar Pradesh & Uttarakhand
- Vinayak System: Rajasthan
- Adinath Infosolutions : Jammu & Kashmir, Himachal Pradesh, Chandigarh, Punjab & Haryana and
- Software Mart : Mumbai, Goa, Madhya Pradesh & Chhattisgarh.
Mr Pankaj Jain, Director at ESET India said, "We are happy that we are expanding across India by appointing distributors, TCPs and partners to promote and provide solutions to customers. We are glad to collaborate with Roop Technology as they are having strong associations even with the small regions of AP, Gujarat and Maharashtra. We are expecting good footprint of ESET in smaller cities too with this collaboration."
Mr Umang Mehta, Director at Roop Technology said, "ESET is the fastest & lightest AV in the market which makes it the best AV amongst the rest. We have a very strong hold & penetration in Andhra Pradesh, Gujarat and Maharashtra markets which makes us very confident to say that we'll increase the mind share of ESET in these regions in coming 2 quarters."
# # #
About ESET
Founded in 1992, ESET is a global provider of security solutions for businesses and consumers. ESET's flagship products ESET NOD32 Antivirus, ESET Smart Security and ESET Cyber security for Mac are trusted by millions of global users. ESET NOD32 Antivirus holds the world record for the number of Virus Bulletin "VB100" Awards, and has never missed a single "In-the-Wild" worm or virus since the inception of testing in 1998.
The Company has global headquarters in Bratislava (Slovakia), with regional distribution headquarters in San Diego (U.S.), Buenos Aires (Argentina), and Singapore. ESET has malware research centers in Bratislava, San Diego, Buenos Aires, Prague (Czech Republic), Krakow (Poland), Montreal (Canada), Moscow (Russia), and an extensive partner network in 180 countries.
In India ESET products are exclusively supplied and supported by "ESS Distribution Pvt Ltd". The sales of ESET products are executed through the Channel Partners across India. Website:www.esetindia.com/
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Letters presenting a special form of writing
Trademark: 'Puer Apuliae OLIO EXTRA VERGINE DI OLIVA DELLA DAUNIA'
On 11. 12. 1997 the community trademark application no. 000700211 was filed for Puer Apuliae OLIO EXTRA VERGINE DI OLIVA DELLA DAUNIA (Figurative mark) by TAVOLIO S.R.L. before the OAMI.The goods and services in respect of which registration of the trademark was sought are in class 29. The current status of the trademark is registration expired.
Status is 'Registration expired'
The Community Trade Mark has not been renewed by the trademark owner and has therefore expired.
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George Zimmerman Will Get His Gun Back
Zimmerman's lawyer Mark O'Mara said Zimmerman will be entitled to get his Kel Tec 9 pistol back, since he has been cleared of murder. Zimmerman's lawyer said in an interview with ABC News that Zimmerman needs his gun "even more" than before.
The day after his client was found not guilty of murdering 17-year-old Trayvon Martin, Mark O'Mara said that George Zimmerman intends to carry a weapon.
During an interview with ABC News on Sunday, O'Mara said, "[There's] even more reason now, isn't there? There are a lot of people out there who actually hate him, though they shouldn't."
O'Mara suggested that Zimmerman has no regrets about carrying a gun the night he killed Martin. Zimmerman does not believe that having a gun caused Martin's death, his lawyer said.


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Boy Scout™ Coin Knife Leatherette Box
Boy Scouts of America®
We are relocating our shipping facility. Orders placed between January 13 and January 24 will start shipping out when we resume our shipping on January 25. Free standard shipping will be given for retail orders placed during this period. Thank you for your order and we apologize for the inconvenience.
Boy Scout Coin Knife Leatherette
Show off your Scouting coin knife and protect its beautiful finish for a lifetime with this museum-quality leatherette presentation box, specifically designed to hold our round Scouting coin knife. Each presentation box features a plush-lined interior and a radiant foil-stamped sleeve that enhances the significance of the knife within.
Coin knife sold separately.
Boy Scouts of America® and Northwest Territorial Mint®Northwest Territorial Mint is an official licensee of the Boy Scouts of America, and proudly mints this Boy Scout™ Coin Knife Leatherette Box - Presentation Box, along with other fine American products that recognize the achievements of Scouts of all ages. From knives, to coins, or even badges, we are proud to be a part of Scouting's enduring legacy, changing the lives of boys and men through the generations.
Customers Who Bought This Item Also Bought:
$40.00 Scouting® Coin Knife
$40.00 Eagle Scout® Coin Knife
$12.00 Trusty Shellback
$12.00 BSA® Engravable Coin


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Verandah Bay
Verandah Bay Drive, Selbyville, DE, 19975
Verandah Bay Drive, Selbyville, DE, 19975
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Just 1 mile to the beach. Spectacular panoramic views from 12 new luxury homes in the West Fenwick area. These 4-bedroom, 3.5-bath homes offer more than 3,600 square feet of living space, plus exceptional finishes inside and out. Elevator, gourmet kitchen, surround sound, custom trim details and more. Community pool and water access. Great investment opportunity with $40,000 in rental income. Owner financing available at 4.5%.
School District: Indian River
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39 CFR 912.8 - Sufficiency of evidence and information submitted.
Beta! The text on the eCFR tab represents the unofficial eCFR text at ecfr.gov.
§ 912.8 Sufficiency of evidence and information submitted.
In order to exhaust the administrative remedy provided, a claimant shall submit substantial evidence to prove the extent of any losses incurred and any injury sustained, so as to provide the Postal Service with sufficient evidence for it to properly evaluate the claim.
[45 FR 43720, June 30, 1980]


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Whitetail Deer Hunting Photos & Stories
Every hunter likes to share stories about their experiences afield and many hunters like to hear these stories. The Photos & Stories section of BigGameHunt.net (BGH) allows hunters to share their hunting adventures in the form of stories and photos. Please feel free to browse, read, and contribute to this section of BGH.
Uncle Larry and the Harvey Wallbanger Buck
Those crazy family friends... everyone's got one or two of them. They are usually the last to put down the beer at a backyard barbeque and the first to bring up embarrassing stories from your past. My Uncle Larry is that guy. He is not my blood uncle and is not in my family but he's an uncle just the same. He is crazy... just plain nuts! Think Cousin Eddy from the National Lampoon's movies. It's sad but that is the best description I can think of. Uncle Larry lives out in Michigan and we usually get to see him once or twice throughout the holidays.
First Buck With Bow
I have been bow hunting for whitetail deer since the early 90's but just have never been able to close the deal. Sometimes I missed and sometimes my arrow would fall off the rest or the deer would see me and spook; why I wasn't able to close the deal varied, but it all had the same result – no deer.
A "Rattling" Experience - Part II
Jim Boyd
I have, many times in the past, admitted a deep love for black water swamps.
My Grandfather
My grandfather had been taking me into the woods for as long as I can remember. He basically taught me everything he knows. He taught me that hunting wasn't about killing an animal, but that it's about much more. He showed me that being out in the woods with wildlife, listening to the sound of greatness, and spending time with family and friends is what hunting is truly about.
Size Doesn't Matter
As I begin to get ready for this rifle season I start to think back on the successful hunt I had last year. If many of you aren't too familiar our part of the country isn't exactly known for monster whitetail. Growing up over the years hunting this great state I began to resent that fact, yet I still made it a point to never miss an opener. Last year was no exception. However, it was a much different feeling than the year before.
Mr. Invisible
Hunting to me is more than a hobby it's a way of life. It makes me relax and helps give me a peace of mind. I try to hunt as much as I can. Right now my main animal is the elusive whitetail deer. The season started September twenty seventh and ends in December. And during this time I usually travel back and forth between work and home where I do the majority of my hunting. And last weekend was no different. But last weekend will be remembered for the day I got the invisible buck. We called it because it was a large deer that was only caught on film.
Come On In - The Water Is Fine
Jim Boyd
Cold as the dickens.
That it was... particularly for south central Georgia.
A "Rattling" Experience
Jim Boyd
It was a cold winter day, for sure. The temps hovered in the mid 40's and it was just one of those gray, bone chilling days.
The Buck With a "Will To Live"
Jim Boyd
Mistakes were made that day, for sure... on my part and the part of a buck that had a very strong will to live.
I saw him coming in spite of the heavy cover.
Head low, apparently hot on the trail of seven does that had crossed the old log road in single file a few moments earlier... he moved across the oak flat with a purpose. One of them must have been in estrous, I thought... no logical explanation for him to be tracking like that - except for that reason. This appeared to be mistake # 1 for him.
Twin Sons of Different Mothers
Jim Boyd
Early in September, a bachelor group of 4 bucks files into a soybean food plot in the very murky moments of daylight.
Unbeknownst to them, a hunter is perched 125 or so yards away in a tripod stand at the other end of the plot. Equipped with very sensitive 8x56 European binoculars, the hunter watches as they file into the field and begin to gorge on beans.


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Give us a call to get our secret deals 800-468-3578
Property Location
With a stay at Bernini Palace in Florence (Duomo), you'll be minutes from Palazzo Gondi and Ponte Vecchio. This 5-star hotel is within close proximity of Piazza San Firenze and Gucci Museum.
Make yourself at home in one of the 74 air-conditioned rooms featuring minibars and LED televisions. Complimentary wired and wireless Internet access keeps you connected, and satellite programming provides entertainment. Private bathrooms with shower/tub combinations feature designer toiletries and bidets. Conveniences include phones, as well as safes and desks.
Take in the views from a rooftop terrace and make use of amenities such as complimentary wireless Internet access and concierge services. Additional amenities at this hotel include babysitting/childcare (surcharge) and wedding services.
Satisfy your appetite at the hotel's restaurant, which serves lunch, dinner, and brunch. Dining is also available at a coffee shop/café, and 24-hour room service is provided. Quench your thirst with your favorite drink at a bar/lounge.
Business, Other Amenities
Featured amenities include complimentary high-speed (wired) Internet access, a business center, and limo/town car service.
You must present a photo ID when checking in. Your credit card is charged at the time you book. Bed type and smoking preferences are not guaranteed.Your reservation is prepaid and is guaranteed for late arrival. The total charge includes all room charges and taxes, as well as fees for access and booking. Any incidental charges such as parking, phone calls, and room service will be handled directly between you and the property.


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COMOTOMO BABY Slow Flow Bottles (2-Pack)
These soft, squeezable bottles feature a silicone nipple that mimics breastfeeding and eases breast-to-bottle transitioning. The wide-neck design makes for easy dishwasher cleaning, while strategic, leak-free vents are designed to help prevent colic. Color(s): green, pink. Brand: COMOTOMO BABY. Style Name:Comotomo Baby Slow Flow Bottles (2-Pack). Style Number: 1051785. Available ... Learn More


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Hong Kong insurers hedge out their US dollar exposure
A combination of fear of a de-peg between the Hong Kong and US dollar and favourable levels in the forward market has encouraged insurers in Hong Kong to hedge out more of their dollar currency risk. Hong Kong insurers have historically either been unhedged or just hedged a smaller proportion of their foreign currency bond investments due to the Hong Kong dollar's peg to the US dollar, which insulates insurers from the effects of currency fluctuations. "In the past, it was not worth hedging...
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Deep in the south of the sun-kissed holiday island of Fuerteventura, ROBINSON CLUB JANDIA PLAYA awaits you in its unique location right on the sandy beach that stretches for kilometers. Sheltered by the mountain ridges of the Parque Natural Jandía, you can enjoy perfect
temperatures for sunbathing and swimming, even in the winter months. The endless expanse of the beach entices you to participate in sporting activities in and on the water. Beach volleyball, surfing, sailing, sunbathing — experience the magic of a sunny winter here with us on Fuerteventura.
Relax and let yourself go: you are on holiday! Our spacious WellFit® area is always open for you. Here you can experience the mixture of wellness and fitness designed by ROBINSON. Recharge in the fitness studio or
Fitness studio, Power Plate®* (for an additional charge), WellFit area, indoor cycling room, WellFit spa, renovated sauna area with panorama sauna and sanarium, quiet garden, outdoor massage temple (open depending on weather conditions).
Including HOT IRON®, deepWORK®, indoor cycling, slings®ATHLETIC, Body Styling, Step, Aqua Fit (weather-dependent).
NEW: Special sport-specific training*
Focus on your performance with a customized fitness program with a personal trainer, more information here
NEW: WellFit® events are included in the price of your holiday during certain travel periods.
Including pilates, yoga, slings®in rhytm, fascialFACTS® release, Stretch & Relax.
Saunas; treatments for an additional charge: massage, beauty, Ayurveda*.
The beach stretches for around 26 kilometers along the Sotavento coast. Turquoise-blue water laps gently against the flat shore and invites you to swim and daydream on an air bed. Does the water entice you to try more activities? Then borrow a surfboard or catamaran at ROBINSON CLUB JANDIA PLAYA and see the coastline from a different perspective. If the holiday has sparked your curiosity for sailing or surfing, then simply try out your sea legs with the
free taster sessions run by our staff, the ROBINS. If you are immediately hooked, then start your course and find out more about the art of water sports.
There is plenty to discover, both on and below the water: here at ROBINSON CLUB JANDIA PLAYA we have our own dive center and we arrange daily trips to the offshore house reef. Of course we also offer courses for beginners.
Free loan of windsurfing and catamaran equipment made by Naish/VDWS/Hobie Cat on presentation of a recognized surf or catamaran certificate, or equivalent proof of proficiency and practical experience. Windsurfing and catamaran courses for an additional charge.
Exclusive hire of catamarans for 6 days from 9 am to 5 pm (for an additional charge). Booking and information at: email@example.com.
Board hire. Courses available on request (additional charge).
25 sets of diving equipment (for an additional charge). Very good IAC (previously Barakuda)/CMAS dive center with a computer, photographic equipment (for an additional charge) and a decompression chamber. Training for beginners and more advanced divers. Day trips and snorkeling trips on demand.
ROBINSON CLUB JANDIA PLAYA has 9 silica-sand courts, 5 of which are equipped with floodlights and 2 are indoors. After winning a tennis match, you can celebrate your victory in the tennis bar. Players of all ages and playing abilities as well as beginners will find just the right motivating atmosphere for their level at ROBINSON. Our top trainers improve your fitness and game on well-maintained tennis courts. Court use and racket hire (HEAD) are included; tennis balls (additional charge), rackets for sale and tennis school*.
Available on site. Reservation in advance: +34 928 871 979 or email@example.com.
Further information: firstname.lastname@example.com
Golf lessons for all skill levels (additional charge). Driving range and putting green available
Minimum handicap of 28 required
Green fee packages can be booked in advance.
It's all about digging, diving, and setting on the fine, sandy beach or volleyball court. Take part in sporting competitions where fun comes first.
At ROBINSON CLUB JANDIA PLAYA, you can also try out soccer, soccer tennis, and a range of trend sports like freeGolf®, slacklining, and Crossboccia®.
Free of charge: baby monitor (limited number available, reservation required in advance), non-allergenic meals (on request), fridge in the room, strollers (limited number available), high chairs, washing machines.
At a charge: monitoring via cellphone, laundry service.
For the ROBS (13 years or older), there are scheduled programs of activities for two age groups (ROBS 13+ and ROBS 15+) during peak holiday periods (excluding Saturday and Monday — main arrival day, joint youth group).1
NEW: Offer for young people
Young people aged between 15 and 17 receive a discount of 40% at all beach clubs.
At ROBINSON CLUB JANDIA PLAYA, you can take part in cookery courses every week in the mobile Siemens lifeKochschule cooking school (additional charge, limited number of participants). Let the experts inspire you with their tricks and creative ideas. The perfect vacation experience.
Exclusive island tour* (for an additional charge), enduro rides (via CLUB ESQUINZO PLAYA). Program subject to change. Hire cars* available to book (for an additional charge).
Services marked with a * can be booked on site with an external company for an additional charge.
These services are not provided by ROBINSON or your travel operator!
1 National law stipulates that alcoholic drinks can only be served to guests aged 18 and above.


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The Upper East Side continues to increase in prestige.
Yet, even with its affluent and dignified aesthetic, The Upper East Side maintains an outstanding sense of community and warmth. Families choose this neighborhood for its five-star schools, quiet atmosphere, and marvelously close proximity to Central Park.learn more about this neighborhood
Legal Disclosure: Neighborhood descriptions and data are created exclusively by Naked Apartments without contributions or approval from the agents listed on this page.
Just steps from Central Park and The Metropolitan Museum of Art, these luxury Upper East Side pet-friendly apartments for rent welcome you home to a warm wood-paneled lobby with elegant marble floors and a remarkable oversized timepiece. Round-the-clock concierge service is just one of the lavish condo-quality services provided at this fabulous Manhattan apartment building. Amenities include a state-of-the-art fitness center and landscaped rooftop sun terrace with dining area.
This stunning 25-story glass, steel, limestone and brick Upper East Side apartment building offers studio, one and two-bedroom apartments. Each luxury residence includes a gourmet kitchen with icemaker and filtered water, limestone bath with Kohler fixtures, customized closets, carpeted bedrooms and washer/dryer. Some of these spectacular Manhattan apartments have terraces.
In the amenities when it says "Terrace" it only means on the roof top.
Contact me to schedule a viewing


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Cons: My only complaint was that i couldn't take off the white plastic design pieces. i wanted to take them off and spray paint them a custom color, but they are in there tight. i wanted to risk it and yank one off and break it if needed to see if it will come off but i ended up not. its still a nice looking case, but id rather it be yellow then white, i love yellow. honestly even without it the case looks nice.
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Other Thoughts: It was easy enough to install, didn't really have any troubles with it. im about 40' away from my router and through a wall and im full bars, not sure if that's because of my router or this card. never the less its been working fine for me and with my ping test i was getting 16ms where when wired i was getting 14ms. so really no difference.READ FULL REVIEW


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Los Angeles
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Things to do in LA with a 10-year-oldDec 2009
My 10-year old son and I are going to LA in December and we're looking for recommendations of places to go and things to see. I checked the archive info and it's pretty dated. Other than the Tar Pits, Griffith Park and Santa Monica Pier, any other recs? We plan to check out the LA County Museum of Art too. We'll be there about 3 days. Thanks! Rebecca
I'm transplanting from L.A. to the E. Bay in a month. I love L.A. Here are some things I love to do in December: -the LADWP Holiday Light Festival. http://www.dwplightfestival.com/ You walk from the LA Zoo parking lot along a road decorated on both sides with wonderful light scenes. It's a reasonable walk (not too long--just enough), you go at your own pace and buy churros along the way. If you can make it, go between 12/4-17 when it is ''vehicle free''--open only to pedestrians. Definitely a better experience to walk.
-As for Griffith Park itself, after the big burns of last year, hiking trails are pretty exposed, dusty, and without much vegetation. Same goes for walking/hiking opportunities in the San Gabriel mountains... much more recent and devastating burns.
-At the California Science Center, they have an interesting-sounding exhibit called ''America I Am. The African American Imprint''. Of note, it has an original copy of the Declaration of Independence on display, among other things, I'm sure... I haven't been, but if that doesn't interest you, the rest of the Science Center is pretty fun, with plenty of things to do, and free (except for the IMAX, and sometimes you need to make reservations for exhibits) http://www.californiasciencecenter.org/Exhibits/SpecialExhibits/america-i- am/america-i-am.php-
-For a glimpse into the entertainment industry, you can always go to Universal Studios, but also see tapings of shows. I've been to tapings of the Tonight Show. It's fun, you get to be a part of the audience, and it doesn't take all day...http://www.nbc.com/tickets/
I have recommendations for places to eat and other things... gardens, parks, lots more. email me if you want more... Jeanne
The Petersen Automotive Museum on Wilshire is lots of fun: http://www.petersen.org/ as
My sons spent a week in LA with their my mother for over 10 years and she took them to just about every museum and amusement park in LA. Here's a list of the museums I can recall off the top of my head that my sons enjoyed (in no particular order)
Peterson Automobile Museum (http://www.petersen.org/)
Autry Museum of Western Heritage (http://www.autrynationalcenter.org/) which is next to the LA zoo (http://www.lazoo.org/)
The Getty Museums (http://www.getty.edu/) The Getty Center complex is quite impressive and has some great views on a clear day.
California Science Center (http://www.californiasciencecenter.org/)
The Griffith Park Observatory (http://www.griffithobservatory.org/)
Travel Town (http://www.laparks.org/grifmet/tt/index.htm). I went there as a kid. Great if you like trains. It is located in Griffith Park
http://www.museumsla.org/ has some good info. LA native
I was born in LA and my 4-y.o. son and I still fly down there all the time. One of my fave eating spots is Toi on Sunset ... it's a Thai restaurant all done up in full-on punk/rock-n-roll style and our entire family (including my 73-year-old mom!) just loves it. You will really know you're in L.A. when you eat at Toi! http://www.toirockinthaifood.com/sunset/index.html I also recommend Pizzeria Mozza, founded by Mario Batali and Nancy Silverton. The pizzas are the best I've ever had, and they treat kids like royalty there. Of course the Santa Monica Pier is a fun visit, as well as Griffith Park, where I believe you can rent horses to ride. Oh and be sure to get a Pinkberry frozen yogurt while you're in L.A. We always do! Lisa in Oakland
Fun cheap things to do in LA area?March 2009
I'm temporarily working in Torrance (just south of LA) and am looking for suggestions on fun, relatively inexpensive, things to do and places to go. This is my first time down here. I know about the Getty museum, beaches, studio tours, but am wondering what other suggestions do you all have? Music venues, theatres, museums, other stuff? Or is there a book or website that could help me? The area is so large it is overwhelming! new to LA
There are lots of things to do but tend to be wide spread. Check out the following: www.arboretum.org www.huntington.org www.descansogardens.org all of which are in the San Gabriel Valley area. Thought these would be worth noting since they might be off your radar but worth the effort to see. Rick
One of my favorite places in LA is the LACMA (Los Angeles County Museum of Art), which is a world-class museum with exhibits which run the gamut from classical art to a small but wonderful collection of American Art, from the colonial period to arts and crafts furniture and pottery. (There is an awesome forty-foot long David Hockney painting, Mulholland Drive, which is the first thing to greet you as you get off the elevator to the American galleries). The museum is easily accessible by mass transit on Wilshire Boulevard (a main east-west street), and you can also park (this is what I usually do) in the parking lot for the La Brea Tar Pits, which is right next door to the museum. This latter is a wonderful place, especially for children, since you can see the actual tar pits, bubbling with gases out front, and inside the museum they have giant mammoth skeletons, skulls of prehistoric predators, etc.
Another personal favorite is the Gamble House in Pasadena (easily accessible by freeway), near the Rose Bowl, which is one of the most famous examples of Craftsman architecture in the United States. They have excellent tours of the house, beautiful gardens, and a wonderful gift shop. Parking is easy right in front of the Museum. Pasadena itself is also really worth exploring; there is an original 50s style cafeteria right on the main street.
Enjoy LA! It is a fabulous city, full of things to do, and it would take a lifetime to see them all.
P.S. The pier in Santa Monica is also a fun thing to do with kids, since it has a ferris wheel, a pier with many shops, and is right on the beach. It would be easy to combine a visit to the Pier with a visit to the Getty Museum, since the Getty is just a short drive up the coast on Hwy. 1 (for the Getty, you have to reserve ahead, which is easy to do online). Jim
The Nuart theater is a cool place for catching indie film. It is in West L.A. http://www.landmarktheatres.com/market/LosAngeles/NuartTheatre.htm
Also, if you're star struck, you can watch for celebs on Robertson Blvd., especially at Ivy's. Check on You Tube for a preview - recently Sharon Stone was filmed there. You'll get a good taste of the scene. Robertson also has a lot of cool boutiques and antique stores.
L.A. Access is a good guidebook. Has a good variety of architecture, restaurants, significant buildings, and history. Grew Up There
Oh yes, I grew up in LA, and whenever I go, we head to the Museum of Natural History, the LaBrea tarpits, and the Museum of Science and Industry. We rent bikes at the Santa Monica pier, and ride to Venice beach. jj
Here are a few more ideas: walking along Hollywood Boulevard, trying to figure out who on earth those people with stars in the sidewalk are. Not to mention looking at some genuinely freaky people and some lavishly restored old movie palaces.
The Farmers Market is free, though one is likely to spend money on food there. If you like shopping mall as spectacle, you can go to The Grove shopping center adjacent, ride the 1/5 mile trolley, watch the dancing fountains etc. (The fountains are pretty spectacular -- my daughter could spend an hour watching them and walking through the water area when she was in preschool.)
For people interested in contemporary art, there are clumps of galleries in Chinatown on (pedestrian!) Chung King Road, in Downtown in various places in the historic core, and in Culver City on Washington Blvd. centering around La Cienega Blvd.
I recently went to the Getty Villa near Santa Monica which is free to enter, you just need to reserve the ticket and parking online. The concept of a reproduction Roman villa is fascinating to older kids and the setting is spectacular. They have one of the best children's activities rooms I've ever seen, plus the museum itself has some really stunning stuff, nicely explained. The cafe seemed slow and expensive (we didn't try it) but I don't think they'd stop you bringing your own picnic. Fiona
Hi- I grew up in LA and there are many cheap things to do with kids. I have a almost 6 year old girl and almost 3 year old boy. We like to visit La Brea Tar Pits(my father is a docent at the Page Museum), The Grove/Farmers Market(they have story time during the week on the grass, plus a water show and koi in the pond), Griffith Park has pony rides and train rides for a couple $$. A day at the beach is always so gratifying to the kids as well- hit up carbon beach, nicer, not as crowded and you will spot some celebs. good parks..look at beverly hills, the one on comstock, across from Aaron Spelling mansion is great. have fun! jill b
Where to Stay in LA AreaAug 2005
We are going to see the King Tut exhibt at the LA County Museum of Art on Wilshire Blvd. in LA. The zip code is 90036. Pls. recommend a place to stay. The places very close to the Museum are fairly cheap but had really scary reviews, like people hearing gun shots outside their windows and almost being mugged. I can't afford to pay more than $100-$115 per night, but definately want to be safe. I'm worried about LA traffic too, so need something within a decent distance, but in a safe neighborhood. Pls give hotel name and address if possible. Thanks Sarah
I would book a hotel near LAX through expedia or orbitz. The traffic in LA isn't nearly as bar as it is rumored to be. The comfort of your hotel room will more than make up for the 20 mins it may take you to drive to the museum. The area around the museum (Miracle Mile/Beverly Hills ajacent) is alright if you live there but a decent hotel is going to cost you. I booked the LAX Raddisson for the first time this spring and loved it! Feel free to email if you have questions. tia
If I were you, I'd go onto a website like Expedia or Priceline to look for a motel in Santa Monica as close to Wilshire Blvd as you can get. Then I'd take the Rapid Bus down Wilshire to the museum. You could take your rental car and it would be easy, too. The museum is in a neighborhood that has nice apartments and homes, but horrible temporary accomodations. Wilshire can be dangerous very late at night, but it isn't so bad in the evening that you couldn't take the bus back to Santa Monica at 9 PM. Santa Monica is a nice, touristy beach town that will give you plenty to do when you get out of the museum. It is about 45 minutes away from the museum in traffic. It could be more or less depending on the time of day you are traveling and what is going on at any given moment on Wilshire. Santa Monica is adjacent to Westwood (UCLA's neighborhood), then you'd travel through Beverly Hills, then you'd reach La Cienega and the museum. The La Brea Tar Pits are there, too. I'm from LA, and if I was going to see King Tut, this is what I'd do to save myself aggravation. Contact me if you want to discuss what the area is like. Take care, Christina
Regarding your post about wanting to go visit the King Tut exhibit in Los Angeles - the area that you are staying in is pretty safe. I'm very familiar with it. If you stay within walking distance of that museum, you should be fine. I'm sorry I don't have any hotels to recommend but the Wilshire/La Brea area is safe, I can't picture who would be shooting guns. Anonymous
Try the Farmer's Daughter on Fairfax.It's a short drive from the County Museum and across the street from the farmer's market, which is a great place to get a meal (sort of like a very good, ethnic food court) plus you can pick up fruit, etc.
There's also the Ramada Inn in West Hollywood. The neighborhood is gay and friendly. It is across the street from a Whole Foods and two blocks away from a nice playground. (Most of the kids there seem to have Russian immigrant parents/grandparents.) Another short drive from the County Museum. When you go to LA, be sure to ask about parking charges, because that can add a substantial amount to your costs.
Have you looked at Trip Advisor? That's a good place to check out hotels. Crime is not a big problem in these parts of LA, but walking is pretty unpleasant outside of West Hollywood, Hollywood, Beverly Hills and Santa Monica. carol
I have stayed at the Del Capri on Wilshire. Its been a couple of years since I've been there so I don't know the latest rates. The neighborhood is lovely and the facility has a tray of breakfast foods brought to your room each morning. The pool/courtyard is lovely too. Always ask about AAA rates or other group rates if you are a member.
In April, my kids and hubby and I stayed at the Best Western in Marina Del Rey. Beautiful, homey rooms and right on the beach. It was around $115 a night for a second floor room on the street vs beach side. Don't know what the rates are this time of year. It is a little drive to Wilshire but not too bad! It is very close to Venice beach. Here is a link to peek at that place http://travel.yahoo.com/p-hotel-374396-best_western_jamaica_bay_inn-i I know there are lots of decent and even nice places around. Mary
May 2005
Re: 10th Anniversary romantic getaway
The Beverly Hills Hotel has beautiful rooms, views, a nice pool, and, in December, a shot a nice weather. If I were in your shoes, I'd pick the Beverly Hills Hotel, given the time of year. anon
Beach Vacation in So. CalJune 2003
We are looking for a place for a family holiday in So. Cal for one week (July 28-August 4). Anyone with a recommendation for a rental (hotel suite) near the beach (e.g., Venice, Santa Monica)? Or, a friend wanting to do a house exchange (to Berkeley)? Our children are 2 and 4 y. Jed
I stayed at the CalMar Suites in Santa Monica last December. I believe it used to be a '50s era apartment building at one time. My unit consisted of 2 bedrooms, bath, livingroom, and full kitchen, with pots, pans, dishes, etc., all very clean and tidy.It has a pool, and the managers on duty for the 3 days I was there were very friendly and attentive. The rates at that time were approx. $120/night. When I made the reservation I told them that I would be arriving late (after 11 p.m.) They had a safe, hidden place where they stashed a key for me to pick up, and I ''officially'' checked in the next morning. It is located 1 block from the 3rd St. promenade, which has nonstop street entertainment of every kind, restaurants, and movie theatres. It's approx. 2 blocks to the beach and pier (carnival-type rides and atmosphere.) I parked my car (off-street parking)and didn't drive it again until it was time to drive back to the Bay Area. I really enjoyed my stay there and would definitely go back. Their web site is www.calmarhotel.com Mari
Things to do with kids in Downtown LA11/99 Any suggestions for good places to go with kids in and around LA? I'm specifically interested in anything in the downtown area, as my husband and I will be at a conference and will be switching off to do things with the kids (well, actually a 4.5 year old and an infant). But, we're happy to hear about anything that's fun! Thanks!
If you're going to be in the Downtown area, don't miss Travel Town in the great outdoors of Griffith Park!! It's a fairly short drive from downtown (I assume you''ll have a car) and has been a huge hit with all the kiddies we know. There are lots of trains for kids to climb on and explore and it's basically open every day. It's located on the back side (Burbank side) of the park, and the closest freeway exit is Forest Lawn, but ask the hotel staff exactly how to get there. Griffith Park itself is akin to Golden Gate Park in S.F. i.e huge, urban and basically safe.The L.A. Zoo and the Griffith Park Observatory are also there. There are playgrounds and lots of other activities for kids, but I don't know specifics. Again, ask the hotel staff for more info. Have fun!!!
In downtown you should make sure you get to Angel's Flight. It's an old trolley-like ride (short and cheap). At the bottom is what I call the Mercado Central - not sure what it's real name is but it's a Latino market place, just like you would find in Mexico or Central America. Horchata is highly recommended on any visit to the Mercado Central. At the top of Angel's Flight is the Water Court (again my name for it - not sure what its official name is). It's on the top of the structure across from the top of Angel's Flight. There used to be excellent concerts on Fridays at Noon.
There is a wonderful (or highly wasteful considering this is the desert) fountain by the Music Center. It's got perhaps 60-120 spouts set in the pavement. The height of the water varies from off to 20 feet. It's really fun for the kids. If you take a suit you can try to get through the fountain without getting wet (good luck :).
Olvera Street (Mexican town) + El Pueblo de Los Angeles, 125 Paseo de la Plaza
Japantown + Japanese Am. Musuem, 369 E. First St.
Children's Museum, 310 N. Main St.
Driving to LANov 2004
Driving to LA with 18-mo old twins
Non-CA natives, infrequent traveler by car, not super excited about this trip, but it is better than hosting (for me right now). Any tips? I-5 or 101? Places to jump off (e.g. if we went 101, we could stop at the Dennis the Menace park in Monterey....). Personally, I wish we could skip the holidays this year! Wendy
We drive to LA often with our twins When our twins were little, we began travel at dinner time. I fed the kids in the car while my husband drove I-5. We made one stop to change diapers, get coffee for the adults, and let the little ones play at the indoor play structure (usually around 7:30pm). I brought light up/wind up crib toys that play music to help them unwind and get to sleep. As they grew up, I used a small tv/vcr, and now a dvd player to help time go by faster. Good luck. Susie - Twins by the Bay
I was born and raised in Pasadena so we do this trip frequently because my kids adore seeing Grandma for the holidays. It seems daunting at first but we've got it down to where we actually enjoy the time together.
My advice is
(1) Leave as early as you possibly can--we usually pack the night before and try to be out of the house by 4:30 am so the kids sleep in their jammies until we stop for breakfast. I pack a change of regular clothes and dress them in the car before we go into the restaurant.
(2) Take I-5, it's the fastest
(3) Stop for breakfast at the Harris Ranch (VERY kid friendly) which is the midpoint of your journey. After breakfast, we let them run around out back by the fountain. We have an entire collection of plastic ''rocket'' cups which come with the kids' meal. They love these.
(4) For the 2nd half of the journey, they get to open one, possibly 2 brand new toys (a new coloring book, a cassette with a follow-along picture book, a new toy car--whatever suits)
(5) We stop at a rest stop just before the grapevine, stretch our legs, use the bathtroom, perhaps get a little treat from the vending machines (they have push pops).
(6) Arrive in L.A. by lunchtime. We let Grandma know via cell phone to get lunch ready cause we're almost there.
We repeat the same routine for the trip back but without the brand new toys since Grandma usually has presents for them during the visit.
Best of luck with your holiday travel. Go Bears!
We drove down to LA from Oakland(and back) countless times when my three kids were small and our best bet was to leave as early as possible and take I-5. 101 is more scenic, but not worth the extra few hours it takes. We'd pack a bag of toys (always a few new things) for them to play with and a bag of snacks to keep them munching. There are several rest stops along the way for diaper changes and space to run around to blow off steam. We'd always make one stop midway at a restaurant just to give ourselves a break. My husband hates ''children's music'' so we'd blast the oldies station and sing our lungs out. I probably have a selective memory, but our trips to LA to visit grandma and grandpa were always fun. I hope yours is too. Jan
I drove back and forth between Berkeley & L.A. several times during my undergrad., with my 7-8 yr. old. Take the I-5, by all means! You will save at least 2 hours. There are parts where radio reception is not that great - so I would recommend a good tape/CD; they'll probably sleep most of the way. If it's cold enough, you may see snow right before Frazier Park - that's right past the ''grapevine''. One year, I let my son out to play and he had a blast. I've tried the I-101 route once - all it did was add HOURS to the trip.. even stopping to sightsee - was a drag as we just wanted to get to where we were going... Good luck. Gizella
i like to get the pain overwith quickly and while little one is sleeping. our last drive with the wee one we drove the 5. Harris Ranch is midway between the bay area and LA: great rooms, fun pool, good food, reasonable rates. we left here around 8 in the evening, arrived at harris ranch at 11:30. transfered sleeping baby into one of the rooms in our suite and hung out. got up in the morning, ate breakfast, swam in the pool and ran around, gassed up, and got back on the road a little early for naptime, and she slept most of the way. Julia
If your goal is to drive to LA as quickly as possible take the 580 to I-5 and leave after 8pm so there will be no traffic and the kids will sleep. However, never drive the I-5 on the sunday after Thanksgiving! The traffic is horrific and there is nowhere decent to stop.
If you plan to drive during the day and have the time to take a nicer route than definately drive the 101. (I wouldn't take a sidetrip to Monterey unless you have tons of extra time however because it will add 45 minutes to your drive each way from the 101!) There are lots of places to stop on the way down:
Make it to Gilroy and stop at the outlet center. There is a carters store where the kids can cruise around and play with toys for a bit. There are nice bathrooms with changing stations. There is a Fresh Choice restaurant (good for kids) and coffee places too.
There is a central California chain of restaurants called Margie's Diner that serves huge portions and works well for toddlers. They are near the highway, one is Salinas, one in Gilroy, one just south of San LUis Obispo, and one in Goleta just north of Santa Barbara.
There is a nice rest stop between King City (which is a notorious speed trap by the way!) and Paso Robles where the kids can run around on the grass. I usually bring a ball in the car.
In Paso Robles the old downtown square is lovely and it has a nice playground for kids. It's not far from the highway. There is a F Mclintocks Saloon right near the square which is a fun place to take kids and has good food.
About 30 minutes south of Paso Robles is San Luis Obispo and they have a great downtown main street area built near the creek. That is a nice place to stretch your legs.
About twnty miles south of Santa Maria are two state beaches/camp areas called Gaviota Beach and Refugio. Refugio has an exceptionally beautiful beach with shady palm trees that you can see from the highway. It's lovely there and the kids can run around. You can pick up a picnic in Pismo Beach and eat it there or dirve some more and eat it at Refugio.
In Goleta (suburb just north of Santa Barbara) is Goleta Beach Park. You take Hwy 218 towards the SB airport and UCSB (it's a super short highway) Take Sandspit Exit just before you reach UCSB campus and turn left. a few yards later turn right into the beach park. There is a great playground there literally on the sand, good restrooms and a fantastic restaurant called the Beachside Bar Cafe which has great food and outdoor seating too. There is a super long pier you can walk out with the kids. It's very fun.
In Santa Barbara there is a new children's park right on El Cabrillo blvd which runs parallel to the beautiful palm tree lined beach. If you like Denis the Menance Park in Monterey....this one is 10 times better.
Let's see, Ventura has some great public parks too and beaches the kids can toddle around. and then Ventura is 90 minutes north of LA (without traffic).
the 101 is scenic and there are so many places to stop and hang out for a while if the kids get cranky in the car. If the kids are sleeping where you had planned to stop than you can drive on and stop an hour further down the road.
Have a nice trip! Christa
And I thought driving to LA with one kid is tough! Take I-5, it's faster. Stop at the Peach Tree Resturtaunt in Marysville for food. It's approximately half way. They have an amazing collection of tin lunch boxes! And a peach orchard the kids could run around in. They have a great gift shop with a kid's coloring book section...stuff like that.
There are several rest stops that are spacious and grassy. I'd suggest, since the kids are so young, don't waste your money at theme parks. Just hit a rest stop for 20 mins and let the kids run around on the grass. Have a picnic, pet some dogs... don't fuss with strollers and long lines and tickets and other people. It's an 8 hour drive. It'll only add to the stress. I'm a native Californian and have traveled up and down milliona of time. This is the fastes and easiest way to complete the drive almost stress free.
Oh, and a secret traveling tip: Dramamine! It's a motion sickness tablet you can buy over the counter. My kid gets sick in the car and it really helped AND the side efect is sleepiness. So, she'll sleep for hours and the trip just floats on by!
Good luck and uh... Happy Holidays! Alena
We just made the LA drive with our then-15mo last month, and the best advice I have is to start the drive right before bedtime, if at all possible. The freeway (I-5 if speed is your goal) is less crowded and, best of all, they conk right out and sleep most of the way there. The only downside is you get in tired and they're fresh and ready to go, but if you're seeing family, hopefully you have a built-in sitter who could let you catch some zzzs. If night travel isn't possible, bring some favorite CDs, small toys, or a LeapPad-type thing if you have one. And bring a towel or window-shade for daytime travel - 5+ hours with the sun on one side of the car is brutal. There are pretty good rest stops along I-5 where you can get out and change a diaper and let toddlers run around on the grass during the day. Bring a ball to get them moving at the rest stop and burn off some energy. Jeni
We've driven to LA once or twice a year with our twin daughters ever since they were born (now they're 5). We always take I-5 because it's significantly shorter than 101. 101 is much pretier, but that's only really an issue for adults. Kids are equaly entertained/bored with beauty or semi trucks, so we choose the shorter route! We always pack plenty of car-toys, and for the past several years interactive toys like leap pads. We always have lots of snacks ready for them as well. And we always make one stop at some fast-food chain with a play place so the kids can run for an hour while we watch and eat a little, and then hit the road again. We let the kids play the whole time, only stopping some to take a drink, and then they eat in the car after we head out. This is typically a dinner stop, and then sometime after dinner they fall asleep for the rest of the trip which is also a great way to get many miles covered painlessly!
For some trips, it's more convenient to arrive not late at night, so we've driven most of the way as described above, then stop at a hotel in Grapevine (just before heading over the hills into the LA basin). The next day we get a nice breakfast out and have only about two hours to get all the way to our relatives' house to arrive at about lunch time.
We've also tried flying, but by the time you get to the airport early enough, rent a car in LA and drive to your destination it's taken almost as long as to drive plus it costs a lot more. Mike
may I suggest something that is probably one of the most powerful tools of parenting and long distance traveling that has come about since the invention of the automobile. It is The Portable DVD Player. I think there is a god named after it. Deeveedious, the god of peace and quiet. I know you asked for places to go and with twins, you may already know this bit of wisdom but I couldn't help myself. erin
Because your kids are 18 months I recommend several things. You want to be in the car as little as possible, so you should take I-5. It is a lot shorter, nothing to look at, but it won't matter to your kids. Also anything is exciting to an 18 month old, so if you just stop at a rest stop and play chase for 20 minutes they will think that is very exciting. When we go on road trips of that length we try to leave early in the morning so the kids sleep for a good portion of the trip and then we stop for breakfast when they wake \\ We usually leave at about 4AM or 5AM, but it has worked out best to leave really early. Try to have a good attitude if you can. It helps alot. There is one stop just this side of the grapevine (so pretty far south) that is a good one for kids. It is a state park that used to be an old army fort. It's called Fort Tejon. There is some grass to run on and logs to jump off of and not much else, but my kids can have a really good time there. Kids music also helps. lots of road trips
There's one important thing that nobody seems to have mentioned yet: If and when you stop for a meal, you have to let young kids run around and play for a while BEFORE you sit down in a restaurant. It's just not reasonable to expect them to go straight from sitting in the car to sitting down for a meal.
That's why fast food places with play structures are good, and so are rest areas when the weather's good, but Harris Ranch and the TA ''truckers' mall'' (next-to-last exit before the Grapevine) are more pleasant indoor places for the adults to hang out while the kids run for a bit.
My son loves the fountains at Harris Ranch (there's a small one indoors and a larger one out, at the opposite end of the hall from the restaurants), the restrooms are really nice and include both plenty of diaper-changing space and mini-sized toilets for the newly potty-trained, and there is a little shop that sells travel toys along with gift items, a few books, candy, etc.
The TA place is not so upscale but is a good place to stop in bad weather or in the middle of the night or very early morning. In one building there are a couple of fast food options, a coffee shop, a convenience/gift store and a few vending machines, a video games room, and large restrooms with changing tables. There's enough hallway space for a bit of leg- stretching. There's a gas station across the way.
Mom of kids with grandparents in Orange County
Various Other Areas11/99
Venice Boardwalk Santa Monica Pier (amusement park) Santa Monica Beach playgrounds Travel Town in Griffith Park Venice Canals (slow and leisurely - great for a walk) LA County Museum of Art has kids stuff - check with them Museum of Science and Tech Museum of Nat History La Brea Tar Pits (my 4 year old loved this - your mileage will vary) and Some place with a big mouse running around everywhere(?). Sounds weird.
PasadenaIf you're near Pasadena, there's a wonderful children's museum there called Kidspace. My son loved it at that age.
Santa Monica Linda (6/99)
Santa Monica is a wonderful place for a child. We moved to East Bay after several years in West LA. Just off the top of my head: 1. The beach. This can be a big outing with sunshades and equipment or just a nice walk with a stroller. If the weather is nice your child will not tire of this outing even after several days of the same thing. 2. The tot lot in the middle of the canals (Venice). This is a fabulous place to meet other toddlers. It is a small, neighborhood park and most kids know each other. 3. The 3rd Street Promenade. My son was always wild for this outing. Lots of activity to look at. 3rd Street is just a shopping street like Solano Ave or College Ave--but a million times better. 4. UCLA. There are lots of big green lawns and easy uphill walks with rather safe stairs. Excellent for getting a kid so tired he'll sleep when you pop him into his stroller so that you can sit under a tree and read your handy book 5. Will Rogers Park in Pacific Palisades. I don't remember the busline but the park is free if you walk in. A huge park with polo horses on some weekend days. If your child is a good walker there is a 1 mile walk with wonderful views that has a short patch of moderately-steep walking at the very beginning. After that, the walk is fairly easy--but it is a circle without a short-cut off of the mile. 6. A zillion more things--others will mention some I'm sure. Have fun. Sojeila
9/99 Can anyone recommend any nice but inexpensive places to stay in Santa Monica, Pacific Palasides or Topanga (all California) for two adults and a 2 1/2 and 5 year old. We need something for 2-3 nights over Thanksgiving weekend and if a dog was welcome too well that would be a major bonus.
In Santa Monica, we stayed at the SangriLa (?sp) Hotel (?Motel) on the road along the ocean. I don't remember the cost; but It was not much different from a regular hotel room in that area. The building is done in an art deco style, and must have been an apartment building at one time. Many of the rooms are suites with full kitchen. We had a bedroom, living room and kitchen. There is no restaurant, or room service, but they do serve a fairly full continental breakfast in a room on the first floor. We stayed there when my sons were 1 and 2 1/2 years old; everyone was friendly and helpful. It's a short walk to the beach and a short walk to the shopping street - ? 4th street. I will definitely stay there again with young children. Having the kithchen was very convenient and the two rooms worked very well. You can take some breakfast to your room, or go down for a quiet cup of coffee in the am. We ate most of our other meals with family. I think they may even take pets.


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iHerb カスタマーレビュー
のセーブ: ¥293 (28 % オフ)
Great bubbles to get warm
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商品 1 - 4 の合計 4


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Description of this paper
Design and implement a Java class to represent a 3-D geomtetric
Design and implement a Java class to represent a 3-D geomtetric shape of your choice. The class should contain a constructor, appropriate data fields and methods to return the volume of the shape, and the surface area of the shape and any other methods that seem to make sense for you shape. Name your Java file Yournamehw4.java.;Create a Java Test Application to construct your shape and demonstrate the successful call to its methods.;Document in a word document the results of running your application.
Paper#71386 | Written in 18-Jul-2015Price : $27


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Different Types Of Traders
On this page, we take a look at the different tax matters for casual investors, active traders, business traders, proprietary traders, and investment managers.
"Trading" is a widely used term covering everyone from the casual investor with a dozen trades per year to the active investor with a few hundred, to the business trader with over seven hundred, to proprietary traders using a proprietary trading firm's capital, to investment managers trading for their investor clients. Let's take a look at the various types of traders.
Casual Investor
Millions of Americans have online brokerage accounts, and they make a dozen or more trades per year in individual and IRA accounts. They need to deal with cost-basis reporting on securities and make wash sale loss adjustments, tax treatment for various types of trading products and deducting investment expenses as miscellaneous itemized deductions. They can expect to have some issues with consumer tax software and tax storefront services. For example, a local tax advisor may not know where to report forex transactions, how best to handle wash sale reporting on securities and what's allowed in Section 212 investment expenses.
Active Investor
Many online traders have several hundred trades per year, but they fall short of claiming trader tax status. The Poppe tax court approved 60 trades per month, for a total of 720 per year, annualized. Often, active investors have another job or business activity, and they don't have sufficient time to trade for a living. They have more tax issues than the casual investor, including wash sales between individual and IRA accounts, dealing with lots of pre-business education costs, more complex tax treatment issues as they trade a wider variety of instruments, and keeping a close eye on qualification for trader tax status.
Retail Business Trader
A small minority of online traders qualify for trader tax status (business treatment). They should master the content in our Trader Tax Center, read Green's 2017 Trader Tax Guide and consider our full array of services targeted to their unique needs. Business traders trade their funds in a retail customer account. With proper tax planning, traders qualifying for trader tax status can maximize Section 162 business expense treatment, elect Section 475 MTM ordinary gain or loss treatment (tax loss insurance), and form an S-Corp trading company to unlock employee benefit plan deductions including health insurance and a retirement plan.
Pattern Day Trader
The Federal Reserve coined the term "pattern day trader" (PDT) in connection with its margin lending rules (Reg T) on the purchase of securities on margin. The default margin for a retail account is 2:1. Day traders are allowed up to 4:1 intraday leverage providing they have a PDT account with a minimum securities account size of $25,000. Many PDT accounts never rise to the level of trader tax status.
Proprietary Trader
Many traders who can't meet the PDT minimum account size for securities are attracted to opportunities with proprietary trading firms, who are known to offer traders far greater leverage in return for low deposits or upfront payments. Prop firms invite traders to join their company in one of two ways. Some prop trading firms register as non-customer broker/dealers, and regulators prefer they admit prop traders as LLC members of the firm. These LLC-member traders receive an annual Schedule K-1 with their allocation of net trading gains. Other prop firms are inter-connected with an education business. After paying for teaching and passing tests, these companies may invite graduates to become independent-contractor traders earning non-employee compensation reported on an annual tax Form 1099-Misc. (Read Proprietary Trading in our Trader Tax Center.)
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For more in-depth information on different types of traders, read Green's 2017 Trader Tax Guide.
We offer professional services to all these different types of traders.


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Archives for Existential Therapy
If "Eternity Is Now" Then What Will You Do With It?
I came across a little piece of eternity the other day (there it is in the photo, above). Or, more precisely, it came across me. Tumbling towards me on the footpath. Blowin' in the wind*. Ok, so it was also just a loose page of a newspaper, blowing around the street, with an advertisement on it featuring a stone angel pointing towards a single word: "Eternity." Just a banal moment of dodging some floating flotsam on my way home. And a bit of a wake-up call. What do you do when eternity comes barreling right down the street at you? I picked it up. And could suddenly feel my heart beating. I took it with me. What will you do with yours? (Your eternity). (Your heart).
Making Time For The Things That Matter In Life
I took a different route to work yesterday. And I saw different things. Suddenly, in a gap between buildings, I spied this view in the photo, above: stairs and a distant clock face above them. A thought struck immediately: "Take the steps to make the time..." And then, a heartbeat later: "... time for the things that matter." I had to stop for a second, to drink it in and let all the bustling commuters around me blur on by. So what are those things for you? The things that matter? Life can change at a moment's notice - we all know this. Profound, unexpected change where the things we previously took for granted become the things we miss, for we can no longer experience them in quite the same way again. At least for now... At the moment, I'm getting lots of reminders of this. Lots of losses, big and small, in my own life, and in the lives of those close to me. I guess it comes back to our fragility. Our mortality. Our passage through the (limited) time we have. And our ability to recognise what really matters to us, so we can live it, love it, while it's here in our hands.
Letting Your Dreams Live A Life Of Their Own
So much is unknown about this mystery we like to call "life." We have our theories and ideas about it, our values and beliefs that may help guide us through it, but watertight certainty about any of it is hard to find. Except for one thing: This is probably the only time your life will be lived. Just think about that for a moment... This is the only time when your unique talents and abilities and yearnings and experiences and even your pain can mix together in quite this way. It's more than just the chance of a lifetime… So it's also probably the only time your dreams have a chance to be lived out in quite the way that you – and only you – could live them. So will you let them live?
Existential Editing: Cutting Back On What You Don't Need In Your Life
You know those times when the same message keeps on turning up in your life? Over and over? Where you keep recognising the same idea in many different places (and you know you could apply it to yourself)? Well, I'm having one of those times. And the message is about editing. Cutting back. Slicing off the excess to leave some empty space. To leave more room for simply living. (Something in me relaxes even just thinking about it – how about you?) So let's have a look together for a moment and see what you might have to gain by losing some things…
The Practicalities Of Living Before You Die: Why Palliative Care Matters
If you've read this blog a bit, you'll know I often draw on existential therapy and how the idea of death – and really engaging with it – can help you live a more vivid life. But this time I don't just want to talk about ideas. I want to talk about the nitty gritty stuff. The real stuff. The physical realities of this dying business; and the way that many of us in the western world will probably die (and whether that even gets close to how we might like to die when we finally do). Because it's important stuff to talk about. And, as Jean Kittson put it: "there are no Apps for this stuff." I've spent the last few days at a conference on palliative care* with some really inspirational people (doctors, nurses, occupational therapists, volunteers, pastoral care workers and therapists) who all work with life and death. Who aspire to help us all "live until we die." Who are guided by principles like these: "You matter because you are you. You matter to the last moment of your life. We'll do all we can, not only to help you die peacefully, but to LIVE until you die." - Dame Cicely Saunders, Hospice Movement Founder So let's talk…
Living Before It's All Too Late(r): Life, Death And The Power Of Now
It's easy to be seduced by the idea of "later": I'll do that later. I'll fix that up later. It'll have to wait until later. I'll have time for that later. (I think I'm slightly addicted to it, myself…) And the thing with this "later" business is that you have to believe that there always will be a later. That maybe you get some kind of say in how much "later" there'll be (a lot, thank you). That your time – your life – can be controlled, planned, predicted. Yet, existentially, none of us can really do that. For the end of our days – the end of all our "laters" – will come when it comes, and however much we procrastinate, it seems that's something that just won't be put off. One day, it will simply be too late for your "laters"… So then what? Where does that leave you with "later"? (And where does it leave you with now?)
How Death Can Bring You To Life: Existential Writing Exercises
There's a well-known existential exercise that's supposed to really 'bring death home' to you. And in so doing, really bring life home… You might already know it. Basically, you take a moment to imagine your own headstone in a cemetery. And then you write what it would say about you. How it would capture a snapshot of your life as it is (which can sometimes highlight the gap between there and where you might yearn for it to be). Or maybe you've heard of the other idea of writing your own eulogy? Or perhaps you've felt moved by the Canadian blogger Derek Miller's last blog post, which he wrote to be published after his death (of colon cancer, last week). But have you ever done these sorts of things? Personally, I've only ever thought about them (which is so different than actually putting pen to paper, or fingers to the keys, and making it all more 'real'). They always seemed too 'big' somehow – too involved or something. Until the other day…
What's Your Worldview? And Is It Shaping Your View Of You, Too?
They say the eyes are the windows to the soul. That's a long way to see in… But the thing about windows is that they work both ways. So they're not just about seeing into; they're also about seeing out of. (Or not). And that's sort of what happens with another kind of window – your "worldview". It's also like a window, but one that frames what you see in the world, and how you see it. It influences what you imagine exists. What meaning you make of it all. So it can also shape how you react to that world. And who you become. It can feel so 'normal' to just look at the view from our window, that we forget to see the window, itself. Forget to wonder if it's framing things as clearly or supportively (or perhaps even 'objectively') as it might. Forget to question if it's in the right place, or if it could use a bit of renovating. Forget to notice what our window's actually like, or whether, like the closed window in the photo above, we might sometimes open the curtains a bit more often to expand our understanding of the world. So how long is it since you've checked out your window to the world? How long since you've even noticed your worldview? And how might it unwittingly be shaping who you are?
Are You Hiding From Death? And What Is It Costing You?
I just bought this bunch of everlasting daisies from the cemetery florist. It seems more than a little ironic… For wandering between the old, sunken headstones out here, the knowledge of the temporary nature of things – of life – sinks in a little deeper. How we like to forget this… to remain hidden from it in the everyday. Shielded. If you believed the stronger messages and myths that our (western) society spins, you'd think that youth can last forever (if only you buy the right face cream or get the right surgery or adopt the right frame of mind). But the hundreds upon hundreds of graves out here all tell a different story. What price might we pay, collectively, to do this to ourselves? And what might it be costing you (and your loved ones) if you stay hidden from the thought of your own death? From the impending truth of it?
Existential Therapy and 'One-Day-Thinking'
So much seems caught in this handful of words (on another strangely insightful billboard*): "One day could change your life." For, existentially, all of our lives seem certain to change one day – changed forever from the life we know into something we can only understand as an ending; as death. One day, life; one day, not. Yet how easy it is to forget this. To, instead, get caught up in the other kind of 'one day' – as in: "One day, I'll get around to fixing that broken step/heart/relationship". Or, "One day I'll finally have the courage to test out my dream of …" Or, "One day, I'll eventually let myself be the kind of person I secretly feel myself to be." One day… (Just not today).