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Are you looking for Cooking Classes in ARIZONA? Hotfrog showcases more than 40 popular businesses related to Cooking Classes in ARIZONA! Find a specific region or suburb using the left navigation.
- 04/04/2011
- 08/20/2009
Scottsdale, AZ
AndyFood has the best Public Cooking Classes, Corporate Teambuilding, Client Appreciation, and Couples Cooking At AndyFood fresh ingredients, food presentation, and sitting down to eat the lesson du jour are al…
Cooking SchoolCooking
Tucson, AZ
Personal chef, caterer, cooking classes specializing in fresh,
locally grown organic foods, gluten-free cooking and Indian cuisine.
Cooking SchoolPersonal Chef
Come to our cooking classes and cooking school for Kids and Adults in Tucson, Arizona. We also offer Team Building events and cooking classes
Kids Cooking ClassesCooking SchoolCooking LessonsCooking Tools
Cooking Classes, Mystery Shopping and Other Services for the Hospitality Industry
tucson, az
TeasCompany Home of Tea Break News tea lovers magazine cooking classes homemade scones by teascompany in Tucson, AZ
Cooking ClassTea RecipesCooking
Cooking school offering public cooking classes,team building and client appreciation events, private cooking parties and more.
Cooking SchoolCulinaryCookingChef
scottsdale, AZ
Classic Cooking Academy Arizona Cooking School offering professional cooking classes and culinary training
Cooking SchoolCulinary educationProfessional CookingProfessional Culinary
Full service catering and wedding planning company. we also have private chefs if you want to do a dinner party in your own home or just need to hire a chef full or part time. Private cooking classes and wine tasting cla…
Private ChefPersonal ChefFood StylingMeal Delivery Service
Learn to cook the easy way. Discover the one tip that will make improve your cooking immediately - no kidding
Cooking classes with First Fig Culinary Adventures are held at the home of Instructor Sydney Dye Each month we will prepare and enjoy recipes from a different cookbook
Hereford, AZ
Casa de San Pedro B&B is located in SE Arizona on the banks of the San Pedro River. The territorial hacienda has 10 luxury guest rooms, all located around a courtyard with fountain, flowers and birds. Situated on 1…
Natura Spice is an educational food company with a commitment to deliver the maximum natural benefits of foods and spices into everyday living. Whether it be our private chef services or our culinary classes, we always …
Coolidge, AZ
If you have a problem with your Commercial Appliance, and need an immediate assistance Castillos Appliance repair is ready to serve your needs. Our services include same day Commercial Appliance repair, a free service ca…
Stand Mixers
Mesa, AZ
Professional Cooking Instructor and Food Stylist/Photographer with a strong handle on styling and photographing food while teaching others how to cook the food we see and want.
Private Cooking ClassesCulinary ClassesCooking SchoolPersonal Chef Services
Phoenix, AZ
I appreciate my readers, clients, and students They often tell me about new books, products, restaurants, or practitioners that might be of interest to me and the people I serve. A few months ago one of my readers tipped…
healthy cookingCookingChef
This page contains a schedule of private and group cooking classes for kids and adults in the Phoenix, Mesa, Gilbert, Chandler, Tempe area
Culinary ClassesCookingChef
Sensitive to the day-to-day needs of children in protective custody, AFC has developed programs designed to help stabilize and bring comfort to their complicated lives
Flagstaff, AZ
The Cottage Place Restaurant has been voted "Best Fine Dining" and "Best Wait Staff" for many years by readers of the Arizona Daily Sun. For 16 years they have received the "Award of Excellence" from the Wine Spectator M…
Cooking SchoolCooking Recipes
Pearce, AZ
Sunglow Workshops offers a variety of retreats and instruction We offer a variety of retreats and instruction and distinguish ourselves from other workshops in several ways In addition to horseback riding,…
Bisbee, AZ
Welcome to The Bisbee Cooking School, located in Historic Bisbee. Now you can explore the traditional flavors and the latest innovations of Southwest food and wine or learn classical and regional specialties
Cooking SchoolPROFESSIONAL CHEFCooking
Love'n the Kitchen is a unique cooking school in North Phoenix. Classes, parties and kids classes available. Check out our great class lineup including the unique opportunity to meet and learn from some of the best Guest…
Cooking PartyCooking SchoolCulinary SchoolGuest Chefs
Our philosophy is simple. Students learn most efficiently when they are in a small group, comfortable environment, and receive personal attention from each instructor. Our team consists of a diverse and well-balanced gro…
Cooking SchoolCooking ClassCulinary educationChef School
Building a strong environmentally conscious community and local green economy with healthy happy people, plants, and animals.Teaching compassion for all living things, and to care for what we eat A high percent…
Cooking Class
Phoenix, AZ is the home of Eat Your Way to Health, where we provide a complete range of healthy meals, including apricot and orange jellies and baked apples with blackberries
Romantic DinnersMeal Serviceshealthy meals
Family-owned Scottsdale resort, athletic club and spa. Resort accommodations include hotel rooms, suites & villas. World-class tennis courts, fitness classes, and a full service day spa near Scottsdale's finest golf cour…
Wine Tasting DinnersHummer Tours
Sunglow Ranch (866) 786-4569 - Scenic views of the Chiricahua National Park. A perfect romantic getaway, unique vacations, weddings and receptions, personal and corporate retreats
Location For Weddings
Tempe, AZ
Child charity serving foster children of Arizona. Sensitive to the day-to-day needs of children foster care, AFC has developed programs designed to help stabilize and bring comfort to their complicated lives
Picture This......... Your life less complicated. Enjoying quality family time around the dinner table. Enjoying more time for yourself and doing what you enjoy or just having that time to relax without the daily quest…
Chef For HirePrivate ChefPersonal Chef ServicesChef Service
mesa, az
Chef Brad's love for grains and food has made him a leading authority in America on cooking with grain Chef Brad travels the country to bring classes to you and your friends
We have five professionally designed kitchens including a Front Line Kitchen, Saucier Kitchen, Bakery, Advanced Baking and Showpiece Kitchen and a dedicated Basic Culinary Arts Kitchen We offer our students a m…
Malee's Thai Bistro - Freshly prepared Thai food and sushi that you'll love
Whisked Away is a small cooking school located in Phoenix, AZ. Our classes focus on recipes that are easily replicated
Cooking SchoolCooking LessonsCookingChef
Villa Vita offers life enriching Tuscany vacations, Tuscany tours and specialized tours of Italy vacation packages
Tuscany ToursItaly VacationVacation Packages And ToursCooking
Cake Contessa has complementary wedding cake tastings. We do dessert delivery all over phoenix area.
Our instructor, Judy Toth, is a home cook who enjoys cooking, baking and entertaining
Kids CookingCooking SchoolCooking
International, AZ
Italy VacationVacation Packages And ToursCooking
The Cottage Place offers fine dining in a warm and intimate setting. Located in Flagstaff, Arizona
Cooking RecipesCooking
It is mostly our diet and lifestyle that got us into this mess and it is only a new diet and a new lifestyle that can get us out of it
Green Valley, AZ
A personal chef service, culinary instruction, special event bartending, and competition BBQ team
Personal Chef
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Final: Angels 5, A's 4 (12 innings)
ANAHEIM – Chris Iannetta finally ended it.
The Angels catcher slammed a 12th-inning home run to dead center off Drew Pomeranz to beat the Oakland Athletics, 5-4, late Wednesday night at Angel Stadium.
The first-pitch slam ended the Angels' fourth extra-inning game in six days.
Mike Trout kept the Angels in the contest earlier, continuing his torrid stretch by reaching base three times and driving in a run. He produced the tying run in the bottom of the ninth when he singled, took third on an Albert Pujols single to center and scampered home on a Howie Kendrick groundout.
Left-hander Tyler Skaggs started for the Angels and struggled to locate his fastball but salvaged a serviceable outing – six innings with four runs allowed. The only big blow was a three-run homer by Oakland's Brandon Moss in the fourth.
Earlier, with one out in the third inning, Trout doubled to left to score J.B. Shuck but was stranded there. The Angels had at least one man reach base every inning but couldn't score again until the seventh.
Iannetta was hit by a pitch to begin the seventh and Collin Cowgill singled. After Erick Aybar grounded out and Shuck reached on an Alberto Callaspo error at first base, Trout struck out, bringing up Pujols.
He lined a sharp single to center, scoring one. Howie Kendrick followed by smacking an 0-1 sinker almost to the right-field warning track, but Moss made a leaping grab to keep the A's lead intact.
One positive was the six scoreless innings thrown by five Angels relievers after Manager Mike Scioscia called on the middle relief corps before the game.
"We all feel very comfortable and confident with where Joe Smith and Ernesto Frieri are at the back of our bullpen," Scioscia said. "But we need some guys that are capable of coming in there (before them) and getting those outs."
Smith (1-0) got the win for pitching a scoreless 12th. He gave up four runs without getting an out in Tuesday's extra-inning loss to Oakland.
The Angels (7-8) are off Thursday before beginning a three-city, nine-game trip Friday in Detroit.
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Heather Walford says Chinese celebrity endorsement for Australian lavender products has benefited her farm.
Nannup lavender grower Heather Walford says her business boomed when a Chinese celebrity uploaded a photo of an Australian lavender filled teddy bear onto social media.
Source: ABC News | Duration: 4min 28sec
Topics: rural, agricultural-crops, flowers, grain, business-economics-and-finance, nannup-6275


text:
Kalvslund Kro
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
TripAdvisor Reviews Kalvslund Kro Ribe
Travel Blogs from Ribe
Day 05 – Lego!!
Everyone was up early and we stored everyone's bags in my room. We were escorted to another building for breakfast. Mmmmmmmm, meat and cheese!!!! Northern Europeans know how to do breakfast!!!!
We were escorted through the residential area between the hostel and the train station on a zig-zag route. We were assured it was a short cut. Hmmmm. We arrived in enough time to catch the bus to Billund. After an hour ride, we arrived at the Lego World Headquarters.
While we ...
Day 17: Esbjerg. Rest.
... free! Our plan tomorrow is to cycle if either there is no/little rain or if the forecast is good. Currently it says heavy rain all day and the wind is switching overnight to come from the NW which would make tomorrow absolute hell! The cycle trip was from England to Denmark and we have achieved that, tomorrow would only be the icing on the cake and we all know icing isn't ...
Day 16: Rudbol to Esbjerg. Safe at last!
... path. We both looked at each other unsure about whether to continue. We did, but not for long as the gravel continued for many kilometres and we mutually agreed getting back on the main road would be easier. For some reason in this area of Denmark cycle paths are a rarity. It took us 2.5 hours for us to reach our first cycle path alongside a road. This coupled with the prior gravel paths meant neither of us were were impressed with Denmark's attitude ...
Fun in Legoland
Our "full" day at Legoland. Not a lot of rides for us "bigger " kids, but the ones that there were were fun. Only downside was the wait in queue and the rides were generally quite short. But certainly lots to look at while you wait. And there is Lego everywhere for the kids ...
Vikings galore.
... man at the desk, probably an archaeologist by trade. He was from Scotland, we laughed when he commented on Denmark's rain, although he did agree on the paucity of decent signs in the country. After a chat about Viking sites we headed off to Ribe. Ribe After driving through more amazing countryside we arrived in Ribe and made our way into the center. Realizing we had, again, driven into a pedestrian zone. The GPS had taken us to the cathedral, our hotel was on ...
Other places to stay in Ribe
Hotel DagmarTorvet 1, Ribe | 3 star hotelfrom $108
- Heritage Plus.
- Hotel Dagmar, Ribe Denmark
Den Gamle ArrestTorvet 11, Ribe | Hotelfrom $134
Ribe ByferieDamvej 34, Ribe | 4 star hotelfrom $152


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Fractions Reference App
Wolfram Group
- June 1, 2015
( 29)
Learning fractions? Then you need the Wolfram Fractions Reference App. Whether adding, subtracting, or converting fractions, the Wolfram Fractions Reference App will help you with your specific fraction problems.
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The Wolfram Fractions Reference App is powered by the Wolfram|Alpha computational knowledge engine and is created by Wolfram Research, makers of Mathematica—the world's leading software system for mathematical research and education.
The Wolfram Fractions Reference App draws on the computational power of Wolfram|Alpha's supercomputers over a 2G, 3G, 4G, or Wi-Fi connection.
I do not understand why anyone would not like this.. Love it..buying the calculus one and so on..have the original one...never messed with it until now...awesome, want to learn?? Buy these," worth every cent, and blow textbooks away..,😎
Don't waste your money on this. The worst spending decision you could ever make. Plenty more free and better apps available. Pathetic trash product. I wish I could get my money back. What a ripoff.
Among the best math apps A good math app with steps and other alternatives ways.The app and its other app courses will be five star apps if they had offline use.
Keeps stopping reported no action so uninstall no refund as to late disappointed
What's New
- Bug fixes


text:
Politics & Regulation
AIMA prepares response to FSA on remuneration amid industry alarm
The Alternative Investment Management Association is planning to respond to the UK Financial Services Authority's consultation paper on remuneration, which was published during the summer and has caused a great deal of concern among hedge funds and other investment management firms.
The consultation paper, titled 'Revising the Remuneration Code', follows changes to the European Union's Capital Requirements Directive (CRDIII). The paper proposes changes to the FSA's existing remuneration code, which was introduced on 1 January and currently applies to 27 of the largest banks, building societies and broker/dealer firms.
If the proposed amendments are implemented, the code would be


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**Not an inclusive list. Some activities may be rescheduled or modified in the case of inclement weather.
Pattagansett Staycation
Camp Pattagansett, East Lyme
Friday, July 1, 6:00 p.m.-Sunday, July 3, 10:00 a.m.
August 26, 6:00 p.m.- August 28, 10:00 a.m.
Fee: $50.00 per family of five
Spend the weekend at Camp Pattagansett with your family. Accommodations include a platform tent site with picnic tables and port-o-lets. You can relax at camp or take day trips out. Swimming, boating, archery, and challenge activities will be available. You will prepare your own meals. For families.
Candlewood Staycation
Camp Candlewood, New Fairfield
Friday, August 12, 6:00 p.m.-Sunday, August 14, 11:00 a.m. (Register by August 1)
Fee: $95.00 per family of five
Combine the fun of camping with the adventure of sailing. For this family weekend our waterfront at beautiful Camp Candlewood in New Fairfield is wide open for your enjoyment! Your accommodations will include a platform tent or cabin, picnic table, and shared portos. You can choose to prepare your meals or explore the cuisine in nearby towns. The waterfront will be open for swimming or playing on the beach on Saturday from 10:00 a.m. to 5:00 p.m. Very basic sailing instruction will also be offered during this time. Shared refrigeration space available. For families.
Great Girl Scout Campout
Camp Aspetuck, Weston OR your own backyard!
Friday, September 23, 6:00 p.m.- Saturday, September 24, 9:00 a.m.
Fee: $10.00/girls, $5.00/adult (Register by September 12)
OR $3 for patch if you camp on your own (Register by September 12)
Join girls all over Connecticut for a one-night overnight. Camp out in your own backyard or at Camp Aspetuck in Weston. Continental breakfast and patch included. For troops, families, individuals with adult.
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Icecat: syndicator of product information via global open catalog with more than 3808374 data-sheets 14809 brands – register (free)
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The general trademark of a manufacturer by which the consumer knows its products. A manufacturer can have multiple brand names. Some manufacturers license their brand names to other producers.HP
Product name:
Product name is a brand's identification of a product, often a model name, but not totally unique as it can include some product variants. Product name is a key part of the Icecat product title on a product data-sheet.C5026A
Product code :
The brand's unique identifier for a product. Multiple product codes can be mapped to one mother product data-sheet if the specifications are identical. We map away wrong codes or sometimes logistic variants.C5026A
Category :
These are part of inkjet printers, which prints ink onto paper. They are fixed heads, which are built into the printer, or disposable heads, which are built into the disposable ink carttridges.print heads
Data-sheet quality: created/standardized by Icecat
The quality of the product data-sheet can be on several levels:
only logistic data imported: we have only basic data imported from a supplier, a data-sheet is not yet created by an editor.
created by HP: a data-sheet is imported from an official source from a manufacturer. But the data-sheet is not yet standardized by an Icecat editor.
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created by HP: a data-sheet is imported from an official source from a manufacturer. But the data-sheet is not yet standardized by an Icecat editor.
created/standardized by Icecat: the data-sheet is created or standardized by an Icecat editor.
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This statistic is based on the 65021 using ecommerce sites (eshops, distributors, comparison sites, ecommerce ASPs, purchase systems, etc) downloading this Icecat data-sheet since 27-10-05 Only sponsoring brands are included in the free Open Icecat content distribution as used by 63324 free Open Icecat users .
HP no.12 smart printheads and ink cartridges (0.1MB)
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Warranty: HP's inkjet print cartridges, ink cartridges and printheads are warranted to be free from defects in materials and workmanship during the period of theWarranty standard statement: 24 monthfrom date of manufacture (date printed on printhead)
Long product name HP C5026A print head:
The short editorial description of HP C5026A print headHP 12 Yellow Printhead
Marketing text HP C5026A print head:
The official marketing text of HP C5026A print head as supplied by the manufacturer- Separate black and colour printheads allow individual replacement when needed.
- Built-in smart features allow communication between ink cartridges, printheads and printer. Auto monitoring of ink usage. Alerts provided when ink cartridge is nearing empty.
- HP's Enhanced Colour Layering Technology (Photoret III) layers multiple drops of ink in a single dot to create smooth colour transitions and more directly printable colours.
Short summary description HP C5026A print head:
This short summary of the HP C5026A print head data-sheet is auto-generated and uses the product title and the first six key specs.HP C5026A, HP Business Inkjet 3000, Yellow, 15 - 35 °C, -40 - 60 °C, 112 x 21 x 141 mm
Long summary description HP C5026A print head:
This is an auto-generated long summary of HP C5026A print head based on the first three specs of the first five spec groups.HP C5026A. Compatible products: HP Business Inkjet 3000, Printing colours: Yellow. Package weight: 50 g. Package dimensions (WxDxH): 112 x 21 x 141 mm
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HP Business Inkjet 3000
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Weight of the packaged product.
50 g
Other features
Package dimensions (WxDxH)
Dimensions of the packaged product (Width x Depth x Height).
112 x 21 x 141 mm
Ink drop
Ink drop size.
6 pl


text:
Losielette is a quiet girl living in 1924, whose life is comfortable, yet dull. That is, until she's kidnapped by a rogue time traveller on the night of her wedding.
Her captor is a dark-haired, wild looking boy with eyes like ice, and a personality to match. He's ruthless, stubborn, does what ever he pleases, and will stop at nothing to try and break Losielette's spirits.
The only thing she knows about him? He's on the run from the law and faces a possible death sentence if he's caught. Other than that, he refuses to tell her even what his real name is.
When she finds herself pulled into his life of crime, her life becomes chaotically action packed. Accompanied by a quirky pink-haired girl, and a boy so handsome he can hypnotize people with his looks, the four of them travel through the plains of time, running from who ever or whatever wants her kidnapper dead.
But as a girl from the roaring twenties, and hundreds upon hundreds between her and her captor, how can she see cope with travelling through time into worlds which she should have never even lived to see?
Current cover by @weeknder
1DewDrop Mar 27, 2016
What?!?! Dude! She still has a life ahead of her and you want her to marry?!
xxnikkiii Jul 25, 2015
When reading this line I thought of the song 'Hold on We're Going Home' lol.
LittleCinnamon Dec 31, 2014
Agree with Katrin on this one, it's really not flowery at all. It was a great start - slap bang right into the action and already encouraging some sympathy for your main character and sneakily getting everyone to root for her
HamdiyaSufi Dec 25, 2014
Btw I was real fond of your old cover with the pink font, why'd change it, i mean this own is nice but the old one grew on me and I seriously need to catch up on this story
MomoMonster01 Dec 20, 2014
How did you come up with this idea? I guess what I mean to ask is what was your inspiration?
The_Phantom_Writer Dec 17, 2014
Hooked from the first chapter ❤❤❤❤ I'm in love so far!


text:
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This respected auto outfit will travel within 60 miles of Boston to thoroughly scrub your ride in your own driveway. Trust them to leave those wheels sparkling -- without any of the hassle -- when you opt for this offer:
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Yesterday I showed you my oven-dried cherry tomatoes, and today I'm going to share a delicious way to eat them!
Mmm…pasta with cream sauce and tomatoes, spinach, mushrooms, and garlic. Can you say comfort food?
I just had to try out my tomatoes in a recipe. It was so worth it! Oven drying them really deepens the tomato flavor, and they added so much to this sauce. If you have any cherry tomatoes laying around, you should really try drying them. They are delicious. And their little wrinkly bodies catch all the creamy sauce and make each bite extra delicious.
- one package gluten free spaghetti, cooked according to package directions
- 1 medium onion, chopped
- 3 garlic cloves, minced
- 1 Tablespoon olive oil
- ½ cup white wine
- 2 Tablespoons gluten free flour blend
- ½ cup sun-dried (or oven-dried) tomatoes
- 2 cups sliced mushrooms
- 1½ cups almond milk
- 3 cups spinach leaves, torn, plus more for garnish
- 1 teaspoon sea salt
- ⅓ teaspoon garlic powder
- ½ teaspoon pepper
- In a large pan, cook the onion and garlic in the olive oil over medium heat.
- Once the onion softens, about 7 minutes, add the white wine and mushrooms, and stir.
- Let the mushrooms cook for a few minutes until they start to soften, then add the gluten free flour blend and stir again.
- Add the oven-dried tomatoes and the almond milk. Stir constantly until the sauce begins to thicken.
- Add the spices and the spinach leaves, and mix together until the spinach wilts.
- Serve over hot pasta and top with sliced fresh spinach.
- Add more salt and pepper if desired.
I used gluten free spaghetti for this recipe – this time I used the Barilla brand. If you are new to gluten free pasta, here's a little tip: you really have to stir the pasta frequently when you are boiling it, otherwise it sticks together and is very hard to separate.
This cream sauce doesn't take too long to put together at all, and it can all be done in one pot. Simple, healthy, and delicious comfort food with minimal clean up. Hooray! Because it's fall now, and don't we all need a nice bowl of pasta with a creamy sauce?
Yes, we do. :)
Linking up to Allergy Free Wednesdays, Gluten Free Tuesday, and some of these parties.
Follow along:
Kelly Roenicke
Latest posts by Kelly Roenicke (see all)
- Curried Lentil Butternut Squash Soup. - January 19, 2017
- Vegan and Gluten Free Skillet Brownie. - January 16, 2017
- Stovetop Toasted Coconut Chocolate Chip Granola. - January 9, 2017


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Backgrounder #2967 on Health Care
October 22, 2014
October 22, 2014 | Backgrounder on Health Care
Health insurance enrollment data show that the number of Americans with private health insurance coverage increased by a bit less than 2.5 million in the first half of 2014. While enrollment in individual market coverage grew by almost 6.3 million, 61 percent of that gain was offset by a reduction of nearly 3.8 million individuals with employer-sponsored coverage. During the same period, Medicaid enrollment increased by almost 6.1 million—principally as a result of Obamacare expanding eligibility to able-bodied, working-age adults. Consequently, 71 percent of the combined increase in health insurance coverage during the first half of 2014 was attributable to 25 states and the District of Columbia adopting the Obamacare Medicaid expansion.
With enrollment data now available for the second quarter of 2014, it is possible to construct a complete picture of the changes in health insurance coverage that occurred during the initial implementation of the Patient Protection and Affordable Care Act (PPACA), commonly known as Obamacare. The data show that in the first half of 2014, private health insurance enrollment increased by a net of 2,465,586 individuals. That net figure reflects the fact that 61 percent of the gain in individual coverage was offset by a drop in employer group coverage. During the same period, Medicaid enrollment grew by 6,072,651 individuals. Thus, while a total of 8.5 million individuals gained coverage, 71 percent of that net coverage gain was attributable to the Obamacare expansion of Medicaid to able-bodied, working-age adults.
Health insurers file quarterly reports with state regulators, and data from those reports for the second quarter of 2014 are now available.[1] The three relevant market subsets for this analysis are (1) the individual market, (2) the fully insured employer-group market, and the (3) self-insured employer-group market.[2] Table 1 shows the changes in private health insurance enrollment during the first and second quarters of 2014, along with the net changes for the combined six-month period.
Obamacare's initial open enrollment period began on October 1, 2013, and officially ended on March 31, 2014—though in a number of states it was extended into April to give those who had experienced problems enrolling additional time to complete the process. Because enrollment was for the 2014 plan year, the coverage for those who enrolled during the fourth quarter of 2013 took effect in the new year; thus, those individuals are included in the data for the first quarter (Q1) of 2014. The data for Q2 2014 captures enrollments that occurred during the last two months of the open enrollment period, or which were otherwise delayed due to the numerous problems experienced by the exchanges, and so did not take effect until after the end of the first quarter.
The data show that enrollment in individual market coverage increased by over 2.7 million individuals in Q1 2014 and by a further 3.5 million individuals in Q2. Thus, for the first half of 2014, enrollment in individual market coverage grew by almost 6.3 million individuals.
The second-biggest coverage change that occurred during the first half of 2014 was the decline in the number of individuals with coverage through fully insured employer group plans. Enrollment in such plans dropped by 3.8 million individuals in Q1 2014, and by nearly a million more individuals in Q2 2014. Thus, for the first half of 2014, the number of individuals with coverage through a fully insured employer group plan decreased by nearly 4.8 million.
Enrollment in self-insured employer plans modestly increased in both quarters—by 347,000 in Q1 2014, and by about 652,000 in Q2—for a net enrollment gain of a little less than one million during the first half of 2014. Consequently, the combined enrollment changes in the two segments of the employer group market during the first half of 2014 produced a net decrease of almost 3.8 million in the number of Americans covered by employer-sponsored plans.
That net reduction in employer-sponsored group coverage is explained by employers discontinuing coverage for some or all of their workers or, in some cases, individuals losing access to such coverage due to employment changes. While it is not possible to determine from the data the subsequent coverage status of individuals who lost group coverage, there are only four possibilities: (1) some obtained replacement individual-market coverage (either on or off the exchanges); (2) some enrolled in Medicaid; (3) some enrolled in other coverage for which they are eligible (such as a plan offered by their new employer, a spouse's plan, a parent's policy, or Medicare); and (4) some became uninsured.
If individuals lost group coverage, but obtained new coverage under either another employer group plan or one in the individual market, they would then be counted in the enrollment figures for those submarkets. Similarly, if individuals transitioned to Medicaid, they would be counted in the Medicaid enrollment figures reported by the Centers for Medicare and Medicaid Services (CMS).
As Table 1 shows, during the first half of 2014, net total enrollment for all three segments of the private coverage market increased by almost 2.5 million individuals. That was because reduced enrollment in employer-sponsored coverage offset 61 percent of the gain in individual-market coverage during the first half of 2014.
The PPACA required states to expand Medicaid eligibility to all individuals with incomes below 138 percent of the federal poverty level and not otherwise eligible for Medicaid under prior rules. Those individuals are able-bodied, working-age adults, the vast majority of whom do not have dependent children. However, in June 2012, the U.S. Supreme Court ruled that Congress could not force states to adopt that expansion. Since then, 27 states and the District of Columbia have chosen to adopt the expansion.
Table 2 shows the changes in Medicaid enrollment during the first and second quarters of 2014, along with the net changes for the combined six-month period.
According to the CMS reports, for the District and the 24 states that had the expansion in effect during the first half of 2014, and for which data are available, total Medicaid enrollment increased by 3,669,809 individuals in Q1 2014 and by a further 2,047,168 individuals in Q2 2014, for a total of 5,716,977 during the first half of 2014.[3]
The law also changed the standards for determining eligibility for individuals who qualify for Medicaid coverage under prior law. Consequently, most of the states that have not adopted the Medicaid expansion also experienced some increase in enrollment. According to the CMS reports, for 24 of the 25 states that either did not adopt the expansion or did not have it in effect during the first half of 2014, Medicaid enrollment increased by 355,674 individuals during the first half of 2014.[4]
Thus, for the 48 states and the District for which data is available, Medicaid and Children's Health Insurance Program (CHIP) enrollment increased by a total of 6,072,651 individuals in the first half of 2014.
According to the final exchange enrollment report issued by the Department of Health and Human Services (HHS), 8,019,763 individuals selected an exchange plan during the open enrollment period.[5] Yet, the market data for the first half of 2014 show that the net increase in total individual market enrollment (both on and off the exchanges) was 6,254,564 individuals—which equates to 78 percent of the exchange plan selection figure reported by HHS.
The difference is likely attributable to the following factors, though it is impossible to determine the magnitude of each from the available data:
While most of the attention has focused on the new health insurance exchanges, the data indicate that a significant share of exchange enrollments were likely the result of a substitution effect—meaning that most of those who enrolled in new coverage through the exchanges during the open enrollment period already had coverage through an individual-market or employer-group plan. Given that increased enrollment in Medicaid accounted for 71 percent of the net growth in health insurance coverage during the first half of 2014, the inescapable conclusion is that, at least when it comes to covering the uninsured, Obamacare so far is mainly a simple expansion of Medicaid.
—Edmund F. Haislmaier is Senior Research Fellow in the Center for Health Policy Studies, of the Institute for Family, Community, and Opportunity, at The Heritage Foundation. Drew Gonshorowski is Senior Policy Analyst in the Center for Data Analysis, of the Institute for Economic Freedom and Opportunity, at The Heritage Foundation.
We used the Mark Farrah Associates dataset, derived from insurer regulatory filings, for private-market enrollment by market segment. We excluded, as not relevant to our analysis, enrollments in: Federal Employees Health Benefits plans, Medicare Advantage plans, and supplemental coverage products (such as dental, vision, prescription drug, Medicare supplemental, and single disease).
For enrollment in self-insured employer plans we used the data reported by Mark Farrah Associates for plans administered by an insurance carrier. Mark Farrah compiles that data from insurer regulatory filings, supplemented by other public and private sources, such as Securities and Exchange Commission (SEC) filings. While the firm's data on the self-insured market is the most comprehensive available, there are no reliable figures for enrollment in self-insured plans that are administered by independent third-party administrators (TPAs)—that is, TPAs that are not a subsidiary of an insurance carrier. However, based on its research, Mark Farrah Associates believes that truly independent TPAs likely account for no more than 5 percent of the total self-insured market.[6]
For Medicaid and CHIP enrollment, we used the figures reported by CMS as they are the most current and include enrollment under both Medicaid fee-for-service and Medicaid managed-care plans. Because the CMS reports do not include enrollment data for December 2013, we used the enrollment figures for that month published in a report by the Kaiser Commission on Medicaid and the Uninsured as the basis for calculating enrollment growth during the first two quarters of 2014.[7]
We made several adjustments to the Mark Farrah Associates private-market data to make it as complete and accurate as possible. Specifically:
The net effects of all the foregoing adjustments to the enrollment figures derived from the Mark Farrah Associates dataset were an increase of 95,194 for the individual market, an increase of 66,605 for the fully insured group market, and a decrease of 17,850 for the self-insured group market.
Show references in this report
[1] Unless otherwise noted in the appendix, figures for private coverage in this report are derived from data compiled by Mark Farrah Associates, which is available by subscription. The Mark Farrah Associates dataset consists primarily of data from annual and quarterly insurer regulatory filings, supplemented by data on self-insured plans compiled by the firm from those and other public and private sources.
[2] In a "fully insured" plan, the employer purchases a group coverage policy from an insurer. In a "self-insured" plan the employer retains the risk but contracts with an insurer, or other third party, to perform administrative tasks, such as enrollment, provider contracting, claims adjudication, and claims payment.
[3] North Dakota is not included since data for that state is unavailable. Data for New Hampshire and Pennsylvania are included with non-expansion states since New Hampshire's expansion did not take effect until July 2014, and Pennsylvania's proposed expansion would start January 1, 2015.
[4] Maine is not included since data for that state is unavailable. Data for New Hampshire and Pennsylvania are included with non-expansion states since their expansions were not in effect during the first half of 2014.
[5] U.S. Department of Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation, "Health Insurance Marketplace: Summary Enrollment Report for the Initial Annual Open Enrollment Period, for the Period: October 1, 2013–March 31, 2014 (Including Additional Special Enrollment Period Activity Reported through 4-19-14)," May 1, 2014, http://aspe.hhs.gov/health/reports/2012/ACA-Research/index.cfm (accessed October 7, 2014).
[6] Author conversation with LuAnne Farrah, president of Mark Farrah Associates.
[7] Laura Snyder, Robin Rudowitz, Eileen Ellis, and Dennis Roberts, "Medicaid Enrollment: December 2013 Data Snapshot," The Kaiser Commission on Medicaid and the Uninsured, June 2014, Table A-1, http://kaiserfamilyfoundation.files.wordpress.com/2014/06/8050-08-medicaid-enrollment-december-2013-data-snapshot.pdf (accessed October 7, 2014).
[8] Arkansas Department of Human Services, "Arkansas Health Care Independence Program: State Legislative Quarterly Report April 1, 2014 to June 30, 2014," http://www.arkleg.state.ar.us/assembly/2013/Meeting%20Attachments/000/I12671/Exhibit%20H.16c%20-%20DHS-DMS%20-%20Quarterly%20Healthcare%20Independence%20Report.pdf (accessed October 7, 2014).
[9] Covered California, "Individuals Enrolled from Oct. 1, 2013, Through March 31, 2014, with Subsidy Status, Across Region," May 7, 2014, http://www.coveredca.com/news/PDFs/regional-stats-march/March_RegionalEnrollmentTables_forWeb_ss.pdf (accessed October 7, 2014), and NY State of Health, "2014 Open Enrollment Report," June 2014, http://info.nystateofhealth.ny.gov/sites/default/files/NYSOH%202014%20Open%20Enrollment%20Report_0.pdf (accessed October 7, 2014).
[10] U.S. House of Representatives, Committee on Oversight and Government Reform, "Estimated vs. Actual Enrollment Figures for ObamaCare's CO-OP Program," June 2014, http://oversight.house.gov/wp-content/uploads/2014/06/ObamaCare-CO-OP-Enrollment-Figures-2014.pdf (accessed October 7, 2014).
[11] Steve Jordon, "Changes in Companies, Rates," Omaha World-Herald, August 10, 2014, http://www.omaha.com/money/changes-in-companies-rates/article_2b91e1d4-9c63-5a34-bd61-78f47213dbb1.html (accessed October 7, 2014).


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Barbara Clark carries her new state ID everywhere.
Sometimes she slips the plastic card into her wallet. Other times she clips it to the front of her shirt.
Though the identification may seem small, it represents an important step for Clark, who spent the last year living on the streets of Chicago high on heroin.


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Archives for July, 2012
Unexpected Parenting Challenges: Part 4 – Adult Children
Your children are no longer children. They've passed the difficult childhood years and made it through the seemingly endless teenage years. They're officially adults, and a whole new set of parenting challenges awaits. The first years of adulthood - the early and mid twenties - are truly confusing and challenging to both adult children and their parents. Here are some things to keep in mind.
Grief, Trauma and Healing: When Mass Tragedy Strikes
On the morning of Friday, July 20th, 2012, the world woke up to the news that 12 people in Colorado had been gunned down in a movie theater. It's hard to fathom the immensity of hurt and agony that one single act of violence can create. There is the sheer trauma for the victims who were there: physical wounds, emotional horror, heart break and intense fear. There is also the grief and suffering for the people who loved the victims. The trauma circle widens even more, to the rescue workers, theater employees, medical staff and neighbors. More distant but still affected are people in the state, country and the world. When a rock is thrown into a still pond, the water ripples out far beyond the point of impact. In a similar fashion, a senseless tragedy that occurs in a violent and deadly way affects even people who have little or no connection to the victims.
10 Easy Ways to Lift Your Mood
Have you ever been stuck in a low-mood rut, feeling blah, depressed, bored, or lonely? It happens to everyone. Sometimes doing something small is enough to break out of the low place, and into a more normal, positive spot. The key is to do something. Even if you have to force yourself to turn off the TV or get out of bed, small actions can elicit big changes. Here are 10 easy ways to lift your mood:
Unexpected Challenges of Parenting: Part Three – Teenagers
Most parents look back on their teenage years and cringe. For some, it's remembering problems with their parents, schools, or the police. Others recall the emotional torment that those years entailed. Teenage years are a time of intense physical and emotional development. The years from ages 13-19 are a time for pushing limits, for exploring new ways of thinking and behaving. It can be a chaotic, stressful time for both parents and teens. It's normal for parents to imagine their own children behaving in the same manner as they themselves did. While biological children may share half of their parents' genetics, each child has his or her own way of interacting with the world. Even if a parent could clearly remember their own teenage years, their child's emotions, difficulties, and stresses are often very different. Here are some unexpected challenges of parenting teenagers, and some ways to help both parents and teens cope.
The Stories That Shape Our Lives
Long before there was written language, our ancestors relied on verbal communication to transmit history, values, ethics and beliefs. For thousands of years people have used words to keep memories alive. Some cultures evolved stories into songs or dances. Others created artwork. Still others relied on written words. Today, these stories are still being created and shared. In all of its forms, story telling is a way of passing on knowledge, morals, joys and sorrows. Stories are about history, about hopes and fears; they're windows into a peoples' inner world.
Time – Make the Most of the Hours You Have
How many times have you complained that there are just not enough hours in the day to do what you need to, or wondered in frustration how the afternoon managed to slip by? Each person has 24 hours in a day to spend. A certain amount of that is for the basics - sleeping, eating, bathing, dressing. But after those hours are spent, the rest of how you use the time is really up to you. Throughout the day, you make choices - how long to read Facebook, or how many TV shows to watch, if you take your child to the park, or spend 15 minutes talking with your partner about their day, or weed the garden. These little bits of time may seem insignificant. After all, how many people add up the minutes they spend online, or consider the small bits of time you use talking to your coworkers, or the time spent cuddling a crying child or loving an animal? But these small bits are where the time that seems to get away from you goes. It doesn't disappear. It is used, but often forgotten.


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Today NVIDIA announced the GeForce 7950GT and the GeForce 7900GS, but only the 7900GS is available for purchase right away. We have the retail XFX GeForce 7900GS 480M Extreme on hand and give it the usual review and compare it to a dozen other cards that are on the market from ATI and NVIDIA to see where you should spend your hard earned dollar. This card packs a mean punch for $199! Read on to find out what we mean.
Article Title: XFX GeForce 7900 GS 480M Video Card Review
Article URL: http://www.legitreviews.com/article/384/1/
XFX GeForce 7900 GS 480M Video Card Review
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Bruce & Emma
For years Bruce Willis vowed he'd never marry again. Then the movie star met sizzling model Emma Heming, and she changed his mind— bound his feet, and mounted him in this risqué shoot, shot by Steven Klein. CLICK HERE to read the full story. And CLICK HERE to read what Bruce and Emma had to say about the shoot.
Next Up
From Melania Trump to Jacqueline Kennedy, a History of First Ladies' Inauguration Day Style


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The economic performance of Peru in recent times has been impressive. There is now a transition underway as commodity prices fall, and the key challenge for Peru is how to improve productivity and maintain this growth trajectory. Peru is a territorially diverse country and addressing these challenges will require policies that are designed for the specific needs of different cities and regions. The importance of regional policies is particularly important for the case of Peru. Within the OECD only four countries have a larger land mass. The physical geography of the country is shaped by a thin coastal region, the Andes and the Amazon forest in the interior. These different areas are not well connected and have vastly different levels of service provision and infrastructure. The report sets out how regional policies can be improved to address these challenges. This includes ensuring the preconditions (such as revenues, capabilities and coordinating mechanisms) are in place for decentralisation to work. Lifting national productivity will largely depend on well-functioning cities. The report also includes recommendations for how Peru can develop a comprehensive approach to urban policy, including enhancing linkages with rural areas.
Start-ups are gaining momentum in Latin America's innovation strategies. Start-up Latin America: Promoting Innovation in the Region analyses the role of policies in promoting the creation and expansion of start-ups. It provides a comparative snapshot of recent initiatives in six countries in the region to identify good practices and foster knowledge sharing to improve innovation policy design and implementation.
In Latin American and Caribbean countries the population is growing faster than the world average, intensifying land use and increasing urbanisation. The region is also prone to the negative impact of climate change and natural disasters, putting further pressure on natural resources.
The School is organising specialised courses on socio-economic development and creating an international platform to exchange experiences and knowledge between public officers and practitioners from OECD member and non member countries that deals with cooperation and local development issues.
"Comunidad y desarollo local" es un curso intensivo de dos semanas construido para un grupo de estudio de America Latina (Argentina, Chile, Colombia, Ecuador, Mexico y Perú) para un trabajo de investigación e intercambio sobre el proceso de definición de una estrategia de desarollo local.
This was an opportunity for representatives of cities and regions from OECD and Latin American countries to share their experience and outcome in defining, implementing and delivering policies within an economic development strategy.
Esta conferencia internacional ofrece..


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The following bibliography has been generated by bringing together all references provided by our content partners. There may be duplication.
- Abbott, R.T. 1974. American Seashells. 2nd ed. Van Nostrand Reinhold: New York, NY (USA). 663 pp.
- Bouchet P., Gofas S. & Rosenberg G. (2015). WoRMS Mollusca: World Marine Mollusca database (version Feb 2013). In: Species 2000 & ITIS Catalogue of Life, 26th August 2015 (Roskov Y., Abucay L., Orrell T., Nicolson D., Kunze T., Flann C., Bailly N., Kirk P., Bourgoin T., DeWalt R.E., Decock W., De Wever A., eds). Digital resource at www.catalogueoflife.org/col. Species 2000: Naturalis, Leiden, the Netherlands. ISSN 2405-8858.
- Gosner, K.L. 1971. Guide to identification of marine and estuarine invertebrates: Cape Hatteras to the Bay of Fundy. John Wiley & Sons, Inc. 693 p.
- Huber M. 2010. Compendium of bivalves. A full-color guide to 3,300 of the world's marine bivalves. A status on Bivalvia after 250 years of research. Hackenheim: ConchBooks. 901
- Turgeon, D. D., A. E. Bogan, E. V. Coan, W. K. Emerson, W. G. Lyons, W. Pratt, et al. 1988. Common and scientific names of aquatic invertebrates from the United States and Canada: mollusks. American Fisheries Society Special Publication 16. vii + 277
- Turgeon, D. D., J. F. Quinn, Jr., A. E. Bogan, E. V. Coan, F. G. Hochberg, W. G. Lyons, et al. 1998. Common and scientific names of aquatic invertebrates from the United States and Canada: Mollusks, 2nd ed. American Fisheries Society Special Publication 26. 526
- Turgeon, D. D., W. G. Lyons, P. Mikkelsen, G. Rosenberg, and F. Moretzsohn. 2009. Bivalvia (Mollusca) of the Gulf of Mexico,
- Turgeon, D.D., et al. 1998. Common and scientific names of aquatic invertebrates of the United States and Canada. American Fisheries Society Special Publication 26
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The single day drop in the tech sector ETF (NYSEARCA:XLK) was one of the steepest we've seen in quite a while. Investors with a technology focus may find that it has become more difficult to outperform when compared to the S&P 500.
The outflows from technology-focused mutual funds, hedge funds, and exchange traded funds may cause a technology stock to drop even further. However, this recent pullback should be considered a healthy re-set rather than a precursor to another dotcom era-like bubble.
Tech stock trends
Some have speculated that the momentum trade is now over, and that if you're smart, you'll jump into value.
Source: FreeStockCharts
However, I'm pretty indifferent to value investing, because value stocks can turn into value traps and can become as volatile as growth stocks. Value can offer a more qualitative argument, and in times of underperformance, investors can always rely on balance sheet metrics to justify their investment rationale.
With growth investing, you have to rely on some empiricism (projection), and positive rationale (causal inference) for what may cause growth to go beyond what history suggests. I'm not here to promote either value or momentum, rather I believe a healthy mix of both philosophies can work during periods of volatility.
Source: FreeStockCharts
Technology IPOs have underperformed in the past month, according to the price chart of the Renaissance IPO ETF (NYSEARCA:IPO). New issuances, such as King Digital Entertainment (BATS:KING) fell on the day of the IPO and were unable to trade back above IPO levels. In my focus article on KING, I cautioned that investing on the day of IPO may be extremely risky:
In many instances, IPOs tend to underperform in the first year, and first-day trading tends to over-inflate the value of the equity initially. Eventually the steam runs out, and investors who bought on the day of the IPO are left holding the bag for a couple months or a couple years before experiencing an actual ROI.
Chase after stable tech businesses
In this environment of poor performance in really high momentum names like 3D Systems (NYSE:DDD) and Twitter (NYSE:TWTR), investors should consider a portfolio that offers a reasonable mix of earnings growth, dividend yield, and valuation. Here's a quick summary of what I would include in a conservatively-managed technology portfolio:
- Microsoft (NASDAQ:MSFT) will limit a portfolio's overall volatility as it tends to trade within narrow ranges before being squeezed to the upside as a result of stable and sustained earnings growth. The stock pays a respectable 2.81% dividend yield, and has a five-year beta of 0.9. The stock trades at a 14.7 price-to-earnings multiple, which is below the S&P 500's average earnings multiple. Microsoft recent acquisition of Nokia (NYSE:NOK), further expansion of the Office Suite to Apple (NASDAQ:AAPL) and Android, along with new products in the cloud (Azure) should sustain the technology juggernaut's sales growth. Assuming a PC refresh from Windows XP to Windows 7 or 8, and Microsoft should report better performance from its OS licensing business as well.
- Apple hasn't done a whole lot lately, and some will blatantly tell others to short the stock. I don't fall into this camp, primarily because it falls into the category of being a value investment that could unlock the potential of its balance sheet, resulting in massive earnings multiple expansion. Furthermore, many believe that Apple's release of a larger screen iPhone using a sort of sapphire laminate will differentiate it enough to maintain relevance with consumers. Apple's core portfolio of services and software is growing at really high rates and has high margins. It's likely that Apple's portfolio of services and software will sustain consolidated bottom line growth, which reduces the likelihood of Apple becoming a value trap. Apple trades at a 13.2 price-to-earnings multiple and offers a 2.29% dividend yield.
- Google's (NASDAQ:GOOG) recent stock split hasn't been met with a whole lot of fanfare, and while it trades at a higher valuation against peers (28.57 trailing P/E ratio), Google's business portfolio continues to grow, and its core product of advertising hasn't suffered competitive pressure from other ad-networks like Yahoo's (NASDAQ:YHOO) Bing. Also, Google's application store is the largest when compared to other ecosystems. The Play Store charges 35% on financial transaction, and it streamlines/centralizes the process of buying digital movies, products, and services. Google's application store and ad-business should sustain high levels of growth. Ignoring upside from well-established business franchises, Google's creation of new product categories such as Google Fiber, Android Wear, Google Glass, and Google Cloud will sustain Google's long-term growth.
- Intel (NASDAQ:INTC) has been a Dow Component dog for quite a while. The lists of concerns were practically endless by both analysts and investors. The most common concern was whether Intel could even deliver a successful mobile product, and whether CAPEX spending on better manufacturing technology was even worth it. It seems that these concerns have been adequately addressed, as Intel's performance in both modem and application processors are expected to reach that of Qualcomm's (NASDAQ:QCOM) chip solutions in 2015. Furthermore, Intel will have a manufacturing lead, as it will transition to 14nm sooner than Taiwan Semiconductor Manufacturing (NYSE:TSM). Over the long-haul better manufacturing tech will depend on who has the most cash left over to invest, which depends on cash flow. Many industry experts believe Intel will reach 10nm before Samsung (OTC:SSNLF), Global Foundries, and Taiwan Semiconductor Manufacturing. Currently, Intel pays a very healthy 3.4% dividend yield, and trades at a 13.84 P/E multiple.
- Amazon (NASDAQ:AMZN) is on my list of stable tech businesses. Amazon is dominant in two product categories (online retail, and cloud). This dominance translates into high sales growth, and those future sales may be converted into a modest profit margin, which can translate into very rapid earnings growth over a short period of time. From a price-to-earnings perspective, it looks horrendous when compared to other technology stocks, so I'm not going to emphasize that specific value-metric. Instead, the most common way to measure Amazon's core performance has been its sales growth and price-to-sales. Amazon's current price-to-sales ratio is 2.06. It currently trades at a bargain as the stock has pulled back by 20% from its 52-week high. The stock doesn't pay a dividend, unfortunately. Five years into the future, Amazon may generate $200 billion+ in annual revenue. Assuming a 5% net profit margin, Amazon will earn $10 billion+ in profit. If Amazon trades at 30x earnings, it would translate into a $300 billion market capitalization (when compared to today's valuation of $150 billion, there's still a lot of upside left).
Final thoughts
My list is composed of Microsoft, Google, Apple, Intel, and Amazon for many reasons:
- The list has three value investments, and two growth investments (we want a mix of growth and value).
- I suggest Amazon and Google, because the outward growth trajectory of these two companies are sustainable, and easy to understand.
- Even through periods of underperformance, it's likely that Microsoft, Intel, and Apple will trade in a narrow enough of a range to offset volatility.
- It's also likely that Microsoft, Intel, and Apple will appreciate in value, and pay a stable dividend yield of 2% to 3% every single year assuming annual dividend increases.
- These five companies, when equally-weighted in a portfolio, will slightly outperform indexed returns with much less volatility. The portfolio also offers a reasonable mix of growth, value, income, and appreciation.
- The five companies, when combined, become a heavily diversified play on technology, as the five companies comprise information technology, software services, software, ecommerce, personal computers, semiconductors, cloud, and mobile.
- Unlike a technology ETF, this portfolio limits overlap and invests into stalwarts rather than smaller companies that are likely to become further marginalized over time.
On the other hand, smaller companies offer the potential for higher returns. However, without a high enough risk tolerance, investors will close their positions during a market trough. Assuming an investor dumps smaller tech stocks through period of underperformance, the investor will miss the times when the stock will outperform against less risky investments. To avoid psychological stress, it may be more prudent to consider a portfolio of large tech names and ignore the smaller or less-known opportunities in their entirety.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. 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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Was: $ Now: $
Performance-oriented with clean styling, the KSwiss Stretch Stripe Short is ready for the match. This woven short features a zipper and snap button closure, elastic back waistband, side pockets with contrast striping, moisture-wicking fabric, and a heat transfer KSwiss logo at left hem.
- Fit: We find the short fits true to size.
- Content: 90% Polyester, 10% Spandex.
- Colors:
- Moroccan Blue w/Neon Citron
- White w/Moroccan Blue
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The Vinnie is a classic pork pie style with a 1 5/8" brim and a 3 1/2" crown. A classic look for any occasion, this style is an excellent addition to any wardrobe.
Made in the USA
Merino Wool / Rabbit Fur Blend
Satin Lining
Measurement taken from size large. Crown height may vary by size.
Ships in JJ Hat Center box at no extra charge.


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iHerb Customer Reviews
Savings of: $0.48 (4% off)
akiu seseliai
Posted by atsiliepimailt on Sep 06, 2012
grazios spalvos, taciau sunkai tepasi seseliai , taciau laiko labai ilgai , suslapinus isgaunamas intensyvus vakarinis spindesys
Pretty good
Posted by Reviewer1126659 on Sep 24, 2012
This is a great pallette. The colors are a bit too dark for my taste, but there is actually one eye shadow that I use a lot that doesn't look as dark. It's like a bronze color.
these are fab
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Got these for Christmas presents for my whole family. All of the shades are really pretty and go on and stay on well! green, blue and brown eye colours are all great
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Good quality!
A bright quality/price rate
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There is many different colors and a great quality for a small price.
omg god best makeup invention ever!
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prepare for eyes that look great!
Hazel eyes Shimmer strips
Posted by 5624357582150766350 on Dec 03, 2013
These shimmer strips are more mettalic than shimmery and definitely not gliterry. I love them and i can use them to build any look from day to night. The colors are very pigmented and very pretty on brown and hazel eyes.Thanks Iherb for shipping these to France!
Posted by QIR015 on Aug 14, 2012
Отличные тени! Хороший набор для трех видов макияжа. Сами тени - перламутровые. Дают очень красивый блеск на глазах. Ложатся ровно, за день не осыпаются. Теперь это мои любимые тени!! Excellent shade! A good set for the three types of makeup. Own shadow - mother of pearl. Give a beautiful luster in her eyes. Fit exactly, the day did not crumble. Now it's my favorite shade!
I love this!
Posted by Reviewer1435217 on Mar 11, 2015
This eyeshadow is one of the best I've tried, I can highly recommend this! It lasts all day and the color pallet doesn't brake even when I've used up much of my favorite colors.
Gray eyes
Posted by 5595519364507328952 on Nov 15, 2012
Look good on gray eyes too.