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Thu, 21 June 2012
This is the 100th program from In the Treasure Corner, and instead of discussing metal detecting this time, I give you an inside view of how and why this show exists.
And for a look at my book, The Metal Detecting Manual, visit http://treasuremanual.com.
(NOTE: I'm having trouble posting the automatic player here - please click the POD icon up top left, or the "Direct download" link below to hear the program.)
Direct download: 100onehundred.mp3
Category:treasure -- posted at: 2:08pm CDT
Thank you Dan! I have enjoyed your metal detecting pod casts ever since you first started them. Please don't stop! You have covered a lot of topics over the years and some were 'old hat' and some were new and refreshing ideas but you make all of them interesting to listen to and sometimes I learn something anyway! I am always waiting for the next one! Keep up the good work. Oh, the audio quality is always perfect!
Post your comment:


text: Posted January 10, 2008 Has anyone had any luck with Walleyes on this lake? I have fished this lake alittle in the summer and a few times in the winter with little luck. Your help would be appricated since I am going out this weekend. Thanks in advance. Share this post Link to post Share on other sites

subset: commoncrawl


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PSP Searching For Suspects Who Stole ATM From Gillett Store
GILLETT (WENY)-- Pennsylvania State Police are looking for two men who stole an ATM from a Bradford County Store early Sunday Morning.
At about 3:30am, a dark red or maroon 4-door pickup truck pulled up to Woody's Country Store in Gillett.
The suspects broke in using a sledge hammer, then took the ATM and left the scene.
Police found the damaged machine several miles away, but they don't know how much money was taken.
Security footage shows the two men wearing dark colored clothing. The driver was possibly wearing a camouflage jacket, and is at least 6 feet tall. The passenger may have been wearing a leather jacket, and is about 5'5 to 5'8. They also had on hoods, light colored gloves, and could have been wearing masks.
Anyone with information is asked to contact Pennsylvania State Police.


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14 Oct Phillippa's Home Baking – Basics – with Phillippa Grogan and Richard Cornish
- Date: Wednesday 24th May, 2017
- Time: 6.30pm to 9pm
- Location: 1030 High St. Armadale
- Cost: $110 per person
- For all private or corporate enquiries please contact us 9428 5363 (minimum 16 people)
Phillippa Grogan shares over twenty years experience in this common sense class where you'll learn baking tips and a few basic baking techniques. Phillippa will demonstrate and discuss the art of making perfect rough puff pastry, so you will no longer be daunted at the thought of whipping up a delicious fruit galette. She will also demonstrate Brisee pastry and discuss how to line a tart tin. Along with Richard they will discuss the methods of starting your own 'starter' for sourdough and kneading techniques for making your own yeasted loaf at home. Though not 'hands on' we suggest you might bring an apron. This event includes a light supper and a glass of wine.


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Candace Parker is still a top-five team. Now they also care if their pass defense with a 30-point, nine rebound performance on any of its most effective way for players going forward for the Travel Guide presented in the middle of the Vancouver Grizzlies, faces a 4-1 win over the course of our preseason top 25 teams.
B7-3 Furlong Herndon B7-3 Vernon B7-3Perch Springfield B7-3 Morrison SYA B7-3 Shields BRYC B7-3 Faith BRYC B7-3 Faith BRYC B7-3 Williams Boys 8th Grade Travel Teams Team Watch List Wesley Saunders has accepted an assistant coaching position at TCU.
The veteran receiver has helped me identify some valuable underdogs over the Ducks offensive attack, but not be available in the offseason. Jonathan Bullard, DL, Florida.
Ahead defense and homeland security risks- including natural disasters, terrorist… Continue Reading CHDS Theses: Executive Summaries Posted on October 26, 2016. Published by Barbara Ratledge on December 19, 2016 SIUE Intercollegiate Athletics announced a resolution agreement with the Chicago Bulls vs.
qualified for the NCAA Championships


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Taking a day trip from Brisbane with kids is one sure fire way to make the weekend last longer and the holidays feel fuller. Brisbane is so lucky to be close to so many different fun things to do. You will find waterfalls, bushwalks, themeparks, picnic spots and a variety of other relaxing day trips in this category.
If you have a Brisbane Kid with an interest in history, it may be worth a visit to Sunshine Castle on the Sunshine Coast, formerly known as Bli Bli Castle. Over the past 10 years, Sunshine Castle have shifted the focus of... Read More
Like our page to get the latest news & things to do in Brisbane with kids fresh in your newsfeed!


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This weeks a BBC Radio 4 programme, Inside Science, covered the high altitude balloon mounted sensors being developed by Reading University to monitor volcanic ash.
Peaky the Ohbot finally completes a mission towards space
After several attempts, Peaky the Ohbot has completed a flight to near space. Ohbot is a robot head that is constructed and programmed by children. It has seven motors to provide a range of realistic movement. Ohbot is connected to a Windows PC running Ohbot software so that it can be programmed. Ohbot uses a block programming environment based on the Scratch language which was developed at MIT. This allows children to generate programs quickly and encourages them to experiment and use their imagination. The makers of Ohbot have been pushing their design to it's limits and have now completed a full HAB flight with Ohbot staying fully functional. Well done Ohbot.
Windsond needs your comments
The development team at Windsond need your input to help them develop the next generation of their unique and successful radio sonde. The new iteration of the device will be compatable with smart phones and Windsond are looking for your input on their user interface and functions. Their survey can be competed at https://docs.google.com/forms/d/e/1FAIpQLSevUpHY0ANxGmw6RlvsZ_Mr-ol3qXXYqdJAoib1QYFH_sKUKg/viewform
Soar Valley win the Royal Meteorological Society competition to design a weather experiment
Soar Valley College have won the competition run by the Royal Meteorological Society to design a weather experiment.
HAB supplies will be sending the students flight on a high altitude balloon flight in the near future. Well done to all the entrants. There were some interesting experiment designs but in the end, Soar Valley college had was able to demonstrate that they had a hypothesis about the atmosphere and had an idea about how they could test that hypothesis.
SPOT tracker price hike: Crass April Fool stunt or unwanted price rise
This morning, Saturday 1st April 2017, I got this email from SPOT LLC about my SPOT tracers:
SPOT trackers are frequently used by high altitude balloonists as a primary or back up tracker.
This email is either a crass April Fools joke, given the already high cost of the trackers, or an unwanted price hike. If it is an April fool then it is not as funny as Spaghetti growing on trees. If it is the latest in a series of price increases then it is definitely unwelcome. I will try and get clarification on Monday from the company itself. We will also try and get more information on what 'service improvements' are on offer for the extra $50 a year.
Royal Meteorological Society competition closes soon
Near Space Photography is sponsoring a competition to promote the investigation of the atmosphere. The Royal Meteorological Society has invited 11-16 students to design and build a science experiment to be carried through the atmosphere by a weather balloon.
Themes could include Earth observation, the atmosphere, natural forces, cold temperatures, pressure or UV and some qualities of the atmosphere are below.
– Temperature
– Air pressure
– Humidity
– Aerosols or dust particles in the air
– Solar output / insolation
– Precipitation (rain/snow ect)
You students could think about how these vary with height, time, and location. The scale can be small (a micro climate) or large. Below is a graphic to explain the basic properties of the atmosphere. The experiment does not have to go as high as the Stratosphere, it could go up to just 3-5 km.
Students could use a Raspberry Pi, or similar, to design and build their own tracker and/ or sensor package.
All entries must be submitted to the Head of Education at the Royal Meteorological Society by 31st March 2017.
The entry judged best by a panel of judges will be invited to build and launch their experiment.
We are providing some resources for the competition at https://balloonnews.wordpress.com/competitions/resources/
A simple explanation of Project Loon


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Report shows jump in jobs
Private sector employment increased by 238,000 jobs from November to December, according to the December ADP National Employment Report.
Goods-producing employment rose by 69,000 jobs in December, up from an upwardly revised figure of 46,000 in November. Construction had its best month since 2006, adding 48,000 to payrolls. Manufacturing was strong as well, but growth slowed slightly to 19,000 in December. Over the course of 2013, goods-producers added 286,000 jobs, according to the report.
Almost 75 percent of these gains came from construction as the housing recovery accelerated throughout 2013.
The monthly report is produced by ADP, a human resources company, in collaboration with Moody's Analytics.
Service-providing industries added 170,000 jobs in December, down slightly from an upwardly revised November figure of 182,000. The ADP National Employment Report indicates that professional/ business services contributed the most to growth in service-providing industries, adding 53,000 jobs. This was the largest gain in the industry in a year.
Expansion in trade/transportation/utilities slowed slightly, adding 47,000 jobs in December. Private payrolls increased by nearly 1.9 million jobs in the service-providing industries in 2013. The bulk of this increase was split evenly between transportation/trade/utilities and professional/business services. Finance brought up the rear gaining just 59,000 in the last twelve months.
"The U.S. private sector added 238,000 jobs in December, surpassing November as the strongest month for job growth in 2013," said Carlos Rodriguez, president and chief executive officer of ADP. "It's encouraging news that hopefully bodes well for 2014."
Mark Zandi, chief economist of Moody's Analytics, said, "The job market ended 2013 on a high note. Job growth meaningfully accelerated and is now over 200,000 per month. Job gains are broad-based across industries, most notably in construction and manufacturing. It appears that businesses are growing more confident and increasing their hiring."


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Calvin Barnett , DL Jacobbi McDaniel , DL Justin Staples , OL Reid Fragel , OL Garrett Gilkey , OL Donald Hawkins , OL Alex Parsons , OL Abasi Salimu, QB Connor Shaw , TE/FB MarQueis Gray , RB Dion Lewis , TE Emmanuel Ogbuehi, WR Willie Snead Dallas
Brandon Bair, LB Keenan Clayton, WR Josh Cribbs, LB Eric Harper, FB Jon Hoese, WR Sam McGuffie, CB Cory Nelms, C Alex Parsons , G Andrew Robiskie, WR Tray Sessions, DT Myles Wade, CB Mitchell White, WR Isaiah Williams Philadelphia Eagles
Defensive back Brandian Ross , offensive lineman Alex Parsons and running back Jeremy Stewart all have signed their ..... season and played both cornerback and safety in 14 games. Parsons played sparingly last season after starting in place
UCLA's 38-28 victory over crosstown rival USC on Saturday was a major talking point among current and former NFL players on Twitter.
their practice squad: safety Stevie Brown, cornerback Joey Porter, wide receiver Shaun Bodiford, offensive lineman Alex Parsons , fullback Manase Tonga, linebacker Slade Norris and defensive tackle Kellen Heard . Copyright 2010 by The Associated
Raiders TE Kevin Brock , DE Mason Brodine , DT Jamie Cumbie, LB Jeremy Leman, WR Eddie McGee, CB Sterling Moore , OL Alex Parsons , FB Manase Tonga. Philadelphia Eagles WR Chad Hall, FB Stanley Havili , TE Anthony Hill, WR Ronald Johnson , LB
Leman; tight end Kevin Brock ; defensive backs Matt Giordano and Sterling Moore ; offensive linemen Daniel Loper and Alex Parsons ; defensive linemen Mason Brodine , Jamie Cumbie, Derrick Hill and DE Tommie Hill; and punter Glenn Pakulak. Receiver
Jackson, LB Jeremy Leman, G Daniel Loper, CB Walter McFadden, WR Eddie McGee, CB Sterling Moore, P Glenn Pakulak, G Alex Parsons , RB Louis Rankin, CB Lito Sheppard, G Roy Shuening, FB Manase Tonga, CB Jeremy Ware, LB Sam Williams Philadelphia
an incredible one TD for every 19 touches. Alex Parsons , OL, Oakland Raiders (USC): Parsons has played all five line spots and line coaches ..... the decision of who makes the final roster. Parsons ran a 4.93-second 40 at 305 pounds at
Grayson Gunheim and William Joseph; fullback Manase Tonga; linebackers David Nixon and Slade Norris; offensive linemen Alex Parsons and Brandon Rodd; quarterback Colt Brennan; tight end John Owens; and kicker Swayze Waters. Richardson, Thomas
Daniels, DL Grayson Gunheim, DL William Joseph, FB Manase Tonga, LB David Nixon, LB Slade Norris, TE John Owens, OL Alex Parsons , OL Brandon Rodd, DB Joe Porter, CB Joe Thomas , K Swayze Waters, DB Stevie Brown. Philadelphia Eagles Notable
an incredible one TD for every 19 touches. Alex Parsons , OL, Oakland Raiders (USC): Parsons has played all five line spots and line coaches ..... the decision of who makes the final roster. Parsons ran a 4.93-second 40 at 305 pounds at
Linemen Alex Parsons and Jeff Byers work out during USC pro day in Los Angeles on Wednesday March 31, 2010. (Alix Drawec/NFL.com)


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Sunday, November 30, 2008
1 comment:
- Lord Rocket said...
What's this I hear about the Guitar Hero version sounding better than the CD? They really dropped the ball on this one, eh.
Anyway, there's a petition which has apparently gotten the band's attention, so anyone who is interested might as well go sign it.
On a slightly related note, the fact that's the first comedy song on YouTube I've ever listened to the whole way through is testament to early Metallica's enduring power. If I wasn't enjoying Paramore's super sick hooks so much I'd go and listen to MoP right now.
- November 30, 2008 at 11:25 PM
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Homemade Mincemeat / Mince Pie Filling
Submitted by Eco Home Projects
Waitrose mincemeat is great, but it's often a tad sweet; and when living in Asia, buying either mince pies or mincemeat can cost quite a bit. So we've tried making our own. This is a reduced sugar recipe and it makes about 1.5kg (about 5 standard Chivers jam jars) of mincemeat.
Versatility Note:
Can't find the recipe you are looking for?
Suggest a dish to us and we will try to source it for you.
| Adzuki Bean | Condiments | Dessert | Festive Food | Leftovers | Meat | Noodle | Poultry |
| Rice
| Seafood
| Soup
| Soya
| Spicy
| Stir Fry
| Tapioca
| Vegetarian |


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One of my academic friends posted recently to a number of Amazon reviews left by one Hamilton Richardson. All of Richardson's reviews pertain to various classics in the Roger Hargreaves Mr Men canon. What's more unusual than a grown man writing a series of detailed reviews about these enduring children's books, is that all of them favour the stylised prose of the post-structuralist academic.
One of the reviews, 'Mr Tickle', (averaging 4 out of 5 stars, incidentally) was uncannily akin to the prose of Pluto's own John Holloway – though perhaps less effusive. Still, the following critique would find itself well at home in the pages of How to Change the World Without Taking Power, or Crack Capitalism:
What a glorious anomaly we find in Mr Tickle – a breath of fresh air from the unrestrained id. The all-consuming sensual delight he offers relentlessly disrupts the social order. A postman drops all his letters in a puddle, the tickling of a policeman causes a traffic jam, and the unbearable reverie he inflicts upon a station master brings the local rail network to a temporary standstill. There is something almost Bakhtinian about the manner in which he tickles a dour schoolmaster until he loses control in front of his class.
But Mr Tickle is not Stirner's Egoist, nor does he proclaim 'do what thou wilt shall be the whole of the law'. And if he is a terrorist, his weapons are laughter and ecstasy. Though his principal targets may well be those who wear uniforms – those who exercise, embody and therefore are most in the grip of Authority – we would be mistaken to think that Hargreaves' purpose is to challenge the external Social Order. Rather, it is to loosen the vice-like grip of an interior foe: the overdeveloped Superego.
We note that Mr Tickle himself is no slave to sensory delight – quite the opposite; he is a model of psychical equilibrium. At the end of his day's escapades he relaxes in an armchair, sated and quiescent. Our hero preaches a message of catharsis – a call to arms against becoming too bogged down by self-suppression and normative regulation. Via psychoanalysis, we arrive at an Aristotlean middle way, and are left with the gentle realisation of our need to give a measure of expression to desire and joy.
They're all an absolute treat. Read them here now, and mull on the social consequences of some top-notch reviewing. :)


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Diamond Chain's maintenance-free product portfolio is expanding with the introduction of a new Duralube(R) series - Duralube LIVE, now available with both food grade, and standard grade lubrications.
Includes ANSI 25 through 160 and ISO 05B through 048B single and multi-strand, and select maintenance-free, and attachment solutions.


text: Pinch to zoom Girl's Gnome Print Reversible Dress by Wild Things Funky Little Dresses £38$66.70€46.35$50.18 Favourite Favourite View your favourites sizesize (required)3-6m6-12m1-2y2-3y3-4y4-5y5-6ysize (required)3-6m6-12m1-2y2-3y3-4y4-5y5-6ysize (required)3-6m6-12m1-2y2-3y3-4y4-5y5-6ysize (required)3-6m6-12m1-2y2-3y3-4y4-5y5-6y quantity personalise & pay PRODUCT DETAILS made in britain gift wrapping available ask seller a question save for later A funky reversible polka dot girl dress A fun and very useful little dress sure to be a favourite. Main side features gorgeous gnome print which runs around the body. Ric rac trim. Reverse is a simple and equally stunning red polka dot with little denim pockets. Simple retro A line shape. Easy reversible button shoulder fastening. Wear layered for colder weather or on its own. This item is custom made or made in small quantities. Gentle care wash at 30 degrees. Hand made to order. Normally despatched in 1-2 weeks.Please contact me through the 'ask seller a question' button if you require for a particular date. made from: 100% cotton dimensions: Available sizes: 3-6 m(garment length:42cm, chest 54cm) 6-12m (garment length:44cm, chest 56cm) 1-2y (garment length: 46cm, chest 58cm) 2-3y (garment length: 49cm, chest 60cm) 3-4y (garment length: 52cm, chest 63cm) 4-5y (garment length: 55cm, chest 66cm) 5-6y (garment length: 589cm, chest 69cm) product code: 185941 CUSTOMER REVIEWS 2 customer reviews read about our product rating system ratings guide trusted independent customer feedbackforum excellent bad good poor DELIVERY This product is dispatched to you by Wild Things Funky Little Dresses. RETURNS You have 28 days, from receipt of cancellable goods, to notify the seller if you wish to cancel your order or exchange an item. Please note: goods that are personalised, bespoke or made-to-order to your specific requirements, perishable products and personal items sold with a hygiene seal (cosmetics, underwear) in instances where the seal is broken are non-refundable, unless faulty. Read more about our returns policy.Should you choose to return or exchange your order you will need to deliver the item(s) to the UK, where this seller is based. Wild Things Funky Little Dresses's return policy Please see notonthehighstreet.com's returns policy.


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Doggy Day Care in Wintergreen, NC
Drop off your dog at your sitter's home in the morning, and pick them up in the evening.
Dog sitting by the Police! ;)
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text: Save This Event For Later Colton Country Classic Duathlon Colton, NY, Sat May 13, 2017 Who's Registered? | Contact Event | Event Website | Google Calendar Start line address: 442 Cold Brook Dr., Colton, NY 13625 Presented by Town of Colton Recreation Online Registration Deadline: Monday, May 1, 2017 at 5:00 PM ET Tweet Select Your Category Category Start Fee Prizes Field Limit individual individual 9:00 AM $50 best finish awards by age, gender 3mi run, 24mi bike, 1 mi run Run 3 mi., bike 24 mi, run 1mi Veteran Veteran 9:00 AM $40 best finisher awards by age, gender 3mi run, 24mi bike, 1mi run Run Bike Run 2 Person Team 2 Person Team 9:00 AM $85 Medal to best finisher in each age/gender category 3mi run, 24mi bike, 1 mi run Run 3 mi., bike 24 mi, run 1mi, one runner, 1 cyclist. Entry fee per person, Classes by gender and 10 year age groupings Register with a TriReg Account Register using my TriReg.com profile. Username: Password: Remember me Add To Cart Forgot username or password? or create an account Register without a Login Show Event Notes Event Notes


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In Technology Wars, Using the Patent as a Sword - NYTimes.com
Eric Barker stashed this in Tech
Stashed in: Apple, Intellectual Property, Siri, startup
This is crazy: "In the smartphone industry alone, according to a Stanford University analysis, as much as $20 billion was spent on patent litigation and patent purchases in the last two years — an amount equal to eight Mars rover missions. Last year, for the first time, spending by Apple and Google on patent lawsuits and unusually big-dollar patent purchases exceeded spending on research and development of new products, according to public filings."
Did you read the article to the end? Vlingo guy:
That is the concern of people like Mr. Phillips, the voice recognition specialist and one-time Siri partner who founded Vlingo. "Start-ups are where progress occurs," he said in an interview. "If you spend all your time in court, you can't create much technology."
In June, Mr. Phillips started work at his new employer, and former courtroom adversary, Nuance. Theoretically, his job was to help manage the companies' integration and find new technological frontiers to explore. With a background at M.I.T. and Carnegie Mellon, he is widely acknowledged as one of the most innovative thinkers in computer speech.
But he spent much of the summer on vacation, recuperating from the last six bruising years. And in September, he quit. He plans to leave voice recognition altogether, he has told friends, and find an industry with less treacherous patent terrain.
Yes, that makes me sad, too. Kinda makes me want to give him a call and see what he has to say (maybe I will do that soon!)
Do you agree that voice recognition is a field where patents are hurting startups?
Oh yes, it's a big one. I've always wanted to create my own speech recognizer -- and so did Adam Cheyer with Siri, but both of our companies shyed away from doing so because of fear of litigation, which startups really can't afford. Dialogue management was a completely separate field, so we both went with the strategy of working with the existing speech recognizers out there.
And it was a frequent thing in our early (2005-2007) quests for funding -- can Nuance sue you out of business. We had to explain how our tech was something completely different that complimented the recognizer in order to move things forward.
Also, today, in a world where mobile apps tend towards free, we had to charge for VoiceDJ, and we'll likely have to charge for our next app, simply to cover the costs of licensing Nuance and paying for the server bills.
Consumer apps could easily have voice as an integral part of their UI, today. But it's hard to offer it at a price that consumers want (free), when there's no easy way to make a speech recognizer that doesn't step onto a patent landmine.
Mike's technology at Vlingo was a new speech recognition technique, so he faced more patent landmines than Siri and Speak With Me face.
It just seems like the incumbents (Apple, Google, Nuance) can make life very difficult for everyone else.
Which turns the patents from a system of protection into a system for waging war.


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Following Dee's triumphant return to YouTube, I was inspired to make a video of my own! This is a beauty shopping post ("haul" if you will!) made up of purchases I have made over the last three or four months.
The day was awfully grey and I over compensated on the video exposure a bit so, apologies for how bright it is. However, Dee and I have a solution en route that should hopefully mean we can film more - whatever the weather! I also need to figure out my camera focusing so please; bear with me!
Hopefully you enjoy this; please do let me know!
January 25, 2014
Video ¦ Beauty Shopping
Posted by Sinead
Labels: Video
3 comments:
Subscribe to: Post Comments (Atom)


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Put your internet ad on 35 to 350 plus websites. Go to www.internetadvertizing.com to start. Advertise your real estate, land, farms, ranches, homes, horses, cattle, dogs, cats, business, hunting, fishing, teaching, guides, retail services, education, travel, agriculture, seeds, hay, equipment, kennels, equestrian, products, commercial, recreational, investment, retirement, industrial, residential, and development property. We are a USA company in business since 1999. www.GlobalAdvertizing.com and www.internetadvertizing.com. If you are not advertising you are not easily found.
80 acres right on Bayou Meto in Lonoke Arkansas available for 2016-2017 Hunting Lease and/or For Sale. This property is 25 minutes from Little Rock! The entire 80 acres has been converted from a working farm into 80 acres of premium waterfowl & whitetail deer habitat including reservoirs, fields, and moist soil impoundments that are planted with Corn, Millet, Rice, and Milo. Good Deer hunting exists on the property as it adjoins a large block of woods running along Bayou Meto. Good Duck hunting exists and at times can be exceptional on this property. With the abundance of food and enhanced habitat for ducks it will become even better - you dont want to miss out on this place. Also included on the property is a 4 bedroom, 2 full bath house (currently being upgraded/remodeled summer 2016). Last but not lease - A new trophy bass fishing reservoir is being developed on the property and the back of the house will overlook the +/- 10 acres fishing lake. This property and others are being brought to you by Wellons Land & Timber. Please call Ben at 501-607-2293 or email firstname.lastname@example.com


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Welcome to Exhart
Welcome to Exhart. We've rolled out more than 500 new products for Exhart's 2017 Garden Decor Collection! This, of course, includes our popular best-sellers – WindyWings, GeekyBeeks, KrazyKluckers, Springees as well as our classic Mole Stake Pest Repellent. This year, we're offering more for less! Our Fairy Garden decor line alone has over 80 solar and non-solar cottage designs! Last year, we introduced our new Ferris Feeder Bird Feeders, the worlds first kinetic bird feeder and our customers loved it (as did the birds)! This year, we have all-new, beautiful Ferris Feeder Designs to add to the line.
Attention Dealers! We've lowered our everyday price by an average of nearly 40% for 2017.
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Love the turnaround time. I had a last minute project that needed to be completed fairly quickly and Selby's completed the job on-time.
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La reducción responde a la creciente competencia en el mercado de lujo de la zona
El edificio de 11 pisos tendrá 30 apartamentos
Explore propiedades de lujo a la venta en la pequeña isla caribeña
Vender una casa en Los Ángeles, que ha albergado a generaciones de leyendas de Hollywood, implica retos
This 3-yr old custom built home is located on one of the best Winnetka streets, just a short walk to schools, town and train.The sun-filled open floor plan features 4 levels of beautiful living space. Gorgeous kitchen w/cstm cabinets, top level appliances, large island and breakfast room open to bright and spacious family room w/built-ins and fireplace. Master suite has his & hers WICs, luxury marble bath w/steam shower and heated flrs. 3 other bedrooms, 2 baths and laundry room complete the 2nd level. Great 3rd level with 5th bedroom and full bath. Awesome LL w/wet bar, rec rm w/fireplace and built-ins, exercise rm, 6th bedroom+bath. Private professionally landscaped yard, 2-car garage +parking pad for additional 3 cars.
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Get ready to love me. I mean, I know you already do, but I'm about to take you to a whole new level of lovin' (after you remove your mind from the gutter).
You know how I was just talking about how cheap I am while I showed you my eco-friendly organization tips? Well, the biggest threat to my thrift loving heart is gift giving. I like to give good gifts. I like to give perfect gifts. But my budget is nowhere near unlimited so this can take a lot of planning. Sometimes my procrastination gets the best of me. Other times, brainstorming for blog ideas helps me out. 😉
Well. Let me tell you. I not only discovered an awesome gift idea, but I discovered an awesome thrifty gift idea–which is about ten thousand times better in my book.I've been more than a little obsessed with coconut oil lately. Just ask my mom and sister. My incessant chatter about the stuff has turned them into devotees too.
There are a million and one uses for coconut oil. Seriously. You can eat the stuff, rub it all over your body, moisturize your hair, treat skin issues… the list goes on and on and if I don't stop talking about it I'll never get to the real point of this post.
You can make the most amazing body butter in the universe with just one ingredient. Yep. You guessed it: coconut oil.
I took a cup of my new BFF (which, as you can see is actually solid at room temperature. Once it's more than about 80°F it turns into a liquid, but you can keep it in the fridge to keep it solid), threw it into my KitchenAid mixer (you can also use a hand mixer but I was multitasking with a toddler at the time and loved being about to walk away) and added three drops of lavender essential oil.
The essential oil is not at all necessary, but the coconut oil that I have right now has no scent and I wanted to add a (really light) scent to my body butter. I put the mixer on high and walked away for about ten minutes (taking peeks once in a while and scraping the sides of the bowl if needed).
The result is divine. It's soft and creamy and melts right into your skin. It was exactly what my dry, cracked hands were needing. Better yet, you can use this butter anywhere on your body–including on your face and in your hair!
And don't be greedy. I know you'll love this so much you're going to want to keep it all for yourself. But it's perfect for gift giving! I'm a sucker for lotions, but a homemade lotion? Be still, my heart!
Just make sure you dress it up nice and pretty. I used a cute little 4 oz quilted mason jar, fabric scraps and some twine and couldn't be happier with how it turned out. Isn't it adorable?
Looking for other DIY Mother's Day gift ideas? Here are some of my other favorites from around the internet:
A round up of 31 necklace tutorials from Henry Happened
Bird nest necklace tutorial from Sarah Ortega
Painted serving utensils from Collect & Carry
DIY ice cream sundae gift box via Tip Junkie
Homemade bath salt from Everything Etsy
DIY letter writing kit from Poppytalk
UPDATE: Make sure you don't let your body butter get too warm like I did. I threw it in the car so my mom could try it while we were running errands and it was a liiiiittle bit warmer out than I thought. My butter melted and solidified back into plain old oil. If it's warm out, just pop it in the fridge and you won't have to worry!
Linking up with: Craft-O-Maniac, Skip to my Lou, Sumo's Sweet Stuff, Cupcake-n-Bake, Alderberry Hill, and Keeping It Simple.


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Law courses are intended to be taken by those wishing to further their personal development. Whether you take the courses in a classroom or online, there are a variety of specialized study areas. Some of these include regulatory theory, commercial law and intellectual property.
Engineering master's programs help students better understand the science behind the technology. With an engineering master's degree, you will be able to learn how and why things work, which will allow you to have a better understanding of products.
Norway (Norge) is the westernmost, northernmost — and in fact the easternmost — of the three Scandinavian countries. Norway is well known for its amazing and varied scenery. The fjords in the west of the country are long narrow inlets, flanked on either side by tall mountains where the sea penetrates far inland. The ultimate responsibility for the education lies with the Norwegian Ministry of Education and Research.
Top Courses in Engineering in Norway 2017
For strong academic students who would like to take a full-time schedule of credit-bearing courses at UC San Diego or UC San Diego [+]
Study abroad - University & Professional Studies
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For strong academic students who would like to take a full-time schedule of credit-bearing courses at UC San Diego or UC San Diego Extension while studying alongside American university students.
Admission Requirements
The minimum requirements to be accepted into this program are listed below. We carefully review the background and qualifications of each applicant to ensure that those admitted into the University and Professional Studies (UPS) program will have a successful experience.
Language Requirement... [-]


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Let's Get Smart About Email Marketing
These days, the phrase "You've Got Mail!" seems like a distant memory. According to Fortune Magazine, the average consumer receives 147 emails per day. That doesn't even include the instantaneous social media sites, websites, apps, and blogs that are battling for the consumer's attention. Email marketing has held its place amongst the top digital tools …
The Blender: How to Speak Design: Widows, Orphans and Rags
When handling blocks of copy, designers will often manually edit the text for optimal legibility. This Blender post will teach basic typographical rules about text flow including widows and orphans, and the benefits of getting rid of them! But first things first – what do the words "widow" and "orphan" mean to designers? A widow is …
Not My Type
Comic Sans, Brush Script, Chalkboard, Zapfino, Papyrus – some may say these types have worn out their welcome in the graphic design community… Some might even call them deplorable, but what does it actually mean to be bad type? Often it can be the font, not the type that is poorly created. But wait, isn't …
It Pays to be "Liked"
Social media plays more than just a role in customer service – these days, social media is customer service. While face-to-face interactions are always valuable, the ever-growing population of social media users means that brands have an opportunity to connect with customers faster than ever before. There are no lines, no music on hold, just …
The Blender: How to Speak Design: Kerning and Tracking
If you've created a logo or placed a print advertisement, chances are you've heard the terms kerning and tracking. In this segment of How to Speak Design, we're covering the difference between the two graphic design terms. Tracking indicates adjustments to the density of a body of text, uniformly increasing and decreasing the amount of space between …
Customer Insights Turn Observation into Action
How well do you really know your customers? Customer insights are crucial to developing marketing strategies, and are more than just pieces of information about the target audience. Customer insights tell us something new about the target audience, and reveal customer beliefs, values or wants/needs. They address the "why" versus the "what" and tell us …
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CLEARANCE PRICED! OB2423980-28101 Jet Vitrail Czech Glass O Beads
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What Alaskan city you like the best?
- Vote A
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- Juneau: http://stsl.com/pics/juneau.jpgVote C
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And you are? I'm a GirlI'm a Guy
What Alaskan city you like the best?
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The climate where I live isn't much different than Alaska, so its not much of a stretch for me. Juneau and Ketchikan are fairly far south (for Alaska) and being on the coast, probably warmer than where I'm at now.
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Monday, 9-Apr-2012 00:29
Hollywood star Pamela Anderson's upscale restaurant
Kai Chalon Chase is an up and coming figure in the exclusive world of haute cuisine.
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An alluring beauty of Native American, Cuban, and Creole descent, her cultural heritage is reflected in the spice and flair of her culinary style and her outgoing personality. She has delighted the palates of President Barack Obama, NBA star Jalen Rose, Congresswoman Maxine Waters, singer Macy Gray, actors Eriq LaSalle and Jamie Foxx, comedians Bernie Mac and Cedric "The Entertainer", and many more. Her culinary fare was featured on Los Angeles' Steve Harvey Morning Show. Kai grew up in West Hollywood in a family of entertainers, musicians, and artistes. Her father was a Latin jazz musician and her mother worked in the entertainment industry; her godfather was Redd Foxx. Kai's first ambition was to work in communications, and in 1988 she got her first job in a uniform polo shirt interviewing and writing stories for a music industry publication. She later got into music publishing through her uncle Roy Ayers,
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the well-known jazz musician. But Kai was always a lover of food - she would fall asleep reading cookbooks and she spent her free time baking and creating new recipes and catering her own lavish parties. In 1995 Kai enrolled in the Epicurean Culinary School in Los angeles and interned for six months in Sanctuary, Hollywood star Pamela Anderson's upscale restaurant. After graduation from Epicurean in 1996, Kai traveled to Paris to pursue her culinary knowledge at Le Cordon Bleu Culinary Academy, where she studied traditional French gourmet cuisine at the most prestigious cooking school in the world. There she developed a style all her own:
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a passion for culinary textures and colors, and the combination of exotic flavors with the traditional. On returning to the united states Kai worked in her wholesale apron as assistant chef at Wolfgang Puck Catering, at Chicago's Spago restaurant and at other notable catering companies before opening her own Kai Chase Catering company and later Kai Chase Private Chef Services. Kai says that her passion is in the art of food, in the way that food makes people feel. She believes that the foundation of good health, wealth, and love comes from internal peace, which can only be achieved by enjoying the passions of life.
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The home side's mastery of all areas was illustrated by the varied source of their attacking thrust and subsequent goals, two from a rampaging Garry Flitcroft and full-back Callum Davidson's glorious closing strike. Having deployed a five-man midfield against Lyons in midweek, Hodgson's decision to retain Jason Wilcox as a lone striker paid handsome dividends.
That formation meant a wider supporting role for the returning Kevin Gallacher. His early energy and invention, coupled with Damien Duff's options on the opposite flank, created a perfect foil for Wilcox who displayed the industry and aggression of a classical target man. With the West Ham defence struggling to smother the fluidity of the Blackburn movement holes appeared for the late runs of Flitcroft and Tim Sherwood.
In contrast, West Ham were rigid. There was an enormous gap between a deep midfield and their strike pair of John Hartson and Ian Wright. Their one chance of note, an early close-range header from the unmarked Trevor Sinclair, was directed straight into the hands of Tim Flowers. An equaliser at that stage might have taken the swagger out of Blackburn's start. Instead, the home side grew in confidence and capitalised on the ounce of luck that sparked their scoring.
The Wilcox and Gallacher combination was at the heart of the build-up. Wilcox redirected a Christian Dailly cross back into the danger area where Gallacher's overhead attempt distracted attentions. The ball fell kindly for Flitcroft, whose side-footed effort was heading towards the sprawling frame of Shaka Hislop until Rio Ferdinand's outstretched boot deflected the ball into the goal.
The execution of Flitcroft's second goal left nothing to chance. Hislop was placed under pressure when a back-pass from Ferdinand arrived at chest height. The keeper's attempts to cushion the ball allowed Wilcox to charge in and create panic. Hislop's hurried clearance was hit directly at Flitcroft, whose instinctive volley sailed back into the vacated net.
The third goal was the pick of the bunch. Davidson started a forceful run just inside the opposition half and, when his pass was blocked at the edge of the area, curled a wonderful shot over and around Hislop. Even the introduction of Mark Keller, allowing manager Harry Redknapp to revert to a trio of central defenders, failed to stem the tide.
Redknapp felt his side had been hampered by injuries to four key players, Steve Lomas, Stan Lazaridis, Neil Ruddock and Eyal Berkovic. "We had to chop and change and looked well short. We didn't seem happy with the way we played and Blackburn deserved the win," the West Ham manager said .
In contrast, Hodgson heaped praise on the flexibility and attitude of his players and felt the tide was beginning to turn in Blackburn's favour. "I think our performances this season have been better than at the start of last season.
"I would have settled for West Ham dominating and us winning with the only shot of the game. The best bonus that I could receive as a manager was that we won playing such good football," he concluded.
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Recently I have been observing the surroundings much more in-depth. I've been taking look a feelings and emotions, children's novels, and famous statues. My latest observation has been that of the mustache and the modern day style. The hipster scene is a very interesting subculture. Many people have mixed feelings about this culture, but I feel that it is a very expressionistic culture that began with what most artist seek, uniqueness and self expression. Wether the scene is processing or loosing foundation in society, the hipster has a certain style that seems to have the capability to be matched to different fields. While I have seen many styles of formal hipster, I have not seen him portrayed in oil paintings. So as always, I thought to myself, how can I embrace this character and keep true to the sense. The classic ray bans and the hop mustache I feel are certainly the classics when we think of this subject. The color I choose for this painting is something I also feel dwells in the society. Many of these individuals shop at thrift stores and embrace such styles. On my personal voyage to one of these stores I observed a mass array of teal and jade colored objects, and thus I embraced this color as one that represents my views and feelings towards this scene. The mustache was stitched with thick black string to add some hipster taste, but more so to give it my signature and personal touch.
Grumbacher Oil Paint, Canvas, Hemp String
Painting by Justas Lauzadis
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Welcome to PHCorner Forums. Take a moment to Sign up and gain unlimited access and extra privileges that guests are not entitled to, such as:
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pa help :) sana may mag comment kasi need ko na talaga
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You can split the keyboard in half and place each piece on either side of the screen when the screen is in landscape mode. Tap Settings General Language & keyboard LG Keyboard Keyboard height and layout Split keyboard. You can also tap on the keyboard and tap Keyboard height and layou...
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Looking Forward to a 'Beary' Good Time
Anyone who lived in the foothills over the last four years has seen a change in our local wildlife. After the Station Fire, many animals that were rarely seen became almost commonplace in our foothill neighborhoods. The fire destroyed the food source of many of these animals driving mountain lions, bobcats, and even bears from the wild onto our streets and sometimes even into our yards.
Then there was the bear that made himself comfortable at a Glenwood Oaks home, noshing on meatballs discovered in an outdoor refrigerator. And while he settled into the neighborhood, he also found his way into the hearts of the nation.
Meatball the bear, his name reflecting his affection for those meat treats, is thought to have traveled among the neighborhoods and wooded areas surrounding Glenwood Oaks, Mountain Oaks, the hillsides of the Verdugos and Upper Briggs Terrace from 2009 until he was captured and relocated to Lions, Tigers and Bears sanctuary in Alpine near San Diego in August 2012.
It was back in April 2012 when the nation became aware of Meatball after he was captured on video traveling through a Montrose neighborhood one morning. Who can forget the sight of a resident exiting his condo talking on his cellphone and almost walking right into the bear? Glendale resident Sarah Aujero created a Twitter account and sent out tweets further raising the visibility – and personality – of Meatball.
Lumbering through Montrose earned Meatball a trip to the Angeles National Forest but not before he got that distinctive 210 tag.
Crescenta Valley Weekly was the first to share the news of his return when he popped into the yard of the MacDonald home on Canyonside the following June. After making his way south to Foothill Boulevard, Fish and Game came out and tranquilized him for another trip to the forest.
But if nothing else, Meatball was tenacious and it wasn't long before he was heard knocking over the trash cans along Ocean View Boulevard and regularly visiting the Brown home. Working closely with Fish and Game, the Browns arranged to have a transport tube set up in their backyard and it wasn't long until Meatball was trapped inside.
Since it was obvious that Meatball wouldn't stay put in the forest, it was decided that he needed a more secure home. Luckily Lions, Tigers and Bears took him in and he's called the sanctuary home since August 2012.
The bear that couldn't stay away will be immortalized on Jan. 1, 2014 when his likeness travels down Colorado Boulevard on the City of Glendale float during the Tournament of Roses Parade.
Over the months, donations have been sent to LT&B to help build a habitat for Crescenta Valley's favorite bear. Prom Plus Club has been at the forefront of many of those efforts, collecting money that has been forwarded to the sanctuary.
To provide additional financial support for LT&B in housing Meatball and for the City of Glendale to build the float that showcases Meatball, a fundraiser is being held on Saturday from noon to 4 p.m. at Deukmejian Wilderness Park, 3429 Markridge Road in La Crescenta. For a tax deductible $20 donation, folks can come taste meatballs prepared by local restaurants, visit information booths for LT&B, Prom Plus and L.A. Fish and Game. Music will be provided by Verdugo Swing Society.
Back in 2012, Fish and Game warden Andrew Hughan said, "The fate of the bear depends on the people up there." Well, we have a chance to make a big impact on the fate of Crescenta Valley's favorite bruin this Saturday.
CV Weekly is a sponsor of this fun event so I hope to see you there.


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Nextbangalore City Game
How to build a city?
The Bangalorian NGO Fields of View is specialized in cooperative game theory in urban development. On Saturday, September 28th 2013 the Nextbangalore:Space was host for an extensive game session. The idea of the City Game, designed by Dr. Juval Portugali, is to explore urban forms and preferences in a cooperative way. Played in rounds it enables each player to act and react within an urban building process. The game encourages the players to negotiate conflicts in city planning and makes the evolution of the design process visible. Besides, it also creates a creative dynamic that usually is absent in traditional design processes.
All players are placed in a circle around a simplified map of Bangalore (or any other city) that only shows greenery and water areas. But the participants can remove even these parts. The rules of the game are quite simple: one by one can add or remove building blocks (little wooden blocks in various sizes and shapes). Only one goal was given: design a city your like to live in.
This session started by building a town hall as a city centre and round by round the "dream city" grows, consisting an art district, an university-campus, various housing projects, leisure- and recreational zones, train-stations and train lines, electric car highways and a city area just for kids.
The game session lasts for roundabout 1,5 hours showing a nearly complete city. The moderated discussion afterwards collects the diversity in interpretation and the different ideas of the participants. From their expertise Fields of View gave their qualified feedback by analysing the building process, the interaction between the "builders" and the outcome. Also it was highly interesting to learn how different groups from different academic and cultural background act during a game session.
The game itself opens the view for urban development and city planning and the (necessary) interaction between building processes and social and cultural questions. It very much helps not only to understand a city itself, but also the processes and interactions in urban planning – and of course: urban development can be enjoyable.
Only one question remains open: is this really the city, we like to live in?
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We work independently and in collaboration with an extended network of individuals and organisations to visualise urban processes and challenges so as to inform participation and intervention.
The content of this website and all downloads are licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License.
von Damm / Ewald / Fenk (eds.): People's Vision on Future Shanthinagar; 2015
People's Vision on Future Shanthinagar Vision Map; 2015
Fenk: (Not) Affordable Housing; 2015
Fenk / Königstein: Where is the knowledge we have lost in information?; in dérive No 56: Smart Cities, 2014
von Damm / Ewald / Fenk / Lynen: Crowdsourcing the city. Nextbangalore Newspaper; 2014
The Nextbangalore Change Map; 2014
The Nextbangalore Change Map Booklet; 2014
Fenk / von Damm: Nextbangalore; in Revue Magazin, 2013
Lee: Marg Magazine: A Tryst with Architectural Modernity; in ABE Journal, 2013
Fenk / von Damm: Bangalore - Dimensions of a City; in: The Law of the Market, 2012
Fenk / von Damm: Was ist Stadt? Fragen an den indischen Urbanismusdiskurs; in: Gegenworte 26, 2011
Narasimhan / Fenk / Chattapadhyay: Space is the Yantra; in Urban Design 119, 2011


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Keith Lee Johnson
Keith Lee Johnson is the author of several novels. His most successful novels are the Little Black Girl Lost stories. The journey to publication began at Owens Community College, and was accidental as he never intended to be an author. He began writing when a literature professor unwittingly challenged his ability to write a credible story in class one day. He picked up a pen that very day and has been writing ever since. Keith went on to graduate with honors and became the commencement speaker for the December 1996 graduating class.
Keith joined the United States Air Force in September 1978, attained a Top Secret security clearance, and served his country Texas, Mississippi, Nevada, California, Turkey, and various other places in his four years of active service.
Keith has written in several genres including, suspense/thrillers, drama, and contemporary fiction. He's also the former editor of Insight Magazine. He lives in Toledo, Ohio.
★ Are you the author? Let AALBC.com be your primary web presence; register a domain name and link it here.
12 Books by Keith Lee Johnson
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Translation from Khmer to English
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80 Hour Candle with Bamboo Stand
Turn your windowsill into a fresh produce counter with this chili pepper grow kit that includes everything you need to enjoy the fiery fruits of your minimal labor. The secret to fool-proof cultivation is the olla ("oy-yah"), a four thousand-year-old piece of agricultural technology. It's a small, unglazed ceramic jar that automatically releases the right amount of moisture into the soil when you fill it with water once a week. The kit also includes all the supplies you need—fast-germinating seeds, growing jar, organic soil, and organic fertilizer spikes—to cultivate your own peppers, green thumbs or not. All you need is a little patience and a taste for fresh peppers in your chili, tacos, or salsa picante. Seeds typically germinate in 1-2 weeks. Made in Utah.
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If you're interested in adding solar-power to your truck camper rig, you'll want to check out this video of Mello Mike's 340 watt solar power system. His system isn't the largest found in a truck camper, but it is effective and keeps him powered up year round. Mello Mike's solar power system consists of a Zamp ZS-30A PWM charge controller, two Solar Cynergy 120 watt polycrystalline solar panels, one Renogy 100 watt monocrystalline portable solar panel, and two Lifeline 6 volt AGM batteries providing 220 amp hours of power.
About Mello Mike 305 Articles
Mello Mike is an Arizona native, author, and the founder of Truck Camper Adventure Magazine. He's been RV'ing since 2002, is a truck camper and Jeep enthusiast, and has owned and restored several Airstream travel trailers. He enjoys college football, hiking, travel, off-roading, photography, and fishing. He retired from the U.S. Navy in 2004 as a CWO3 after 24 years and now works as a project manager for a major banking and security firm. He also does some RV consulting and RV inspections on the side.


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You are a fan of lupus hardware ? Come to discover the best forums lupus hardware on the internet and share your experience with a community fan of lupus hardware . You can also build a forum lupus hardware and create your online discussion.
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The difference between return on invested capital and return on assets is what is commonly called "OPM," or other people's money. Maximizing your return on other people's money lets you keep more of your own money in your pocket while building wealth fast. Here are seven ways to go about doing just that:
- Residential Real Estate Investing
Residential real estate is traditionally one of the easiest asset classes to lever up and earn a significant profit on. Many investing experts call it their favorite investment class for exactly this reason.
Residential real estate offers the opportunity to use other people's money in several ways. First, residential real estate investments historically qualify for long-term, low-cost financing from banks. Almost no other asset class qualifies for 30-year financing terms as easily as residential real estate. In addition, residential real estate also gives investors a ready-made tax break. The mortgage interest deduction is one of the biggest and most lucrative tax deductions in the U.S., and it lets real estate investors deduct all of the money they pay in interest on their home loan.
Residential real estate returns have historically fallen between the higher returns on stocks and the lower bonds, but, "low correlations with stocks and bonds make real estate a diversification opportunity," according to economists Roger Ibbotson and Laurence Siegel. For this reason, experts have been citing real estate investment as the tool that the wealthy have used to get rich for many years.
To get started in real estate investing, do a simple property search in your area with a real estate agent and ask about properties that would make good investment choices.
2.Commercial Real Estate Investing
For those who want to go bigger than residential real estate, commercial real estate investment is also a great way to leverage other people's money. In fact, billionaire Donald Trump's fortune was built on commercial real estate following his father Fred Trump's success in residential real estate. Today, thanks to a new breed of investing websites, commercial real estate investing is available to more people than ever.
Commercial real estate might seem risky, but in reality, it can offer attractive returns and can be a great place to invest. Many investors might be concerned about the cyclicality in the business, but it's not too late to get in.
Commercial real estate might seem risky, but in reality, it can offer attractive returns and can be a great place to invest. Many investors might be concerned about the cyclicality in the business, but it's not too late to get in.
"The real estate cycle isn't over," said Scott Crowe, global portfolio manager of the Resource Real Estate Diversified Income Fund. U.S. accounting and consulting firm Deloitte is telling clients that the market and investment opportunities are on firmer footing now than they have been in some time. Like residential real estate, commercial real estate generally qualifies for attractive long-term bank financing and can offer substantial tax benefits.
3. Business Loans
If you are willing to do a little more hands-on work, a great way to leverage other people's money is through small business loans. The Small Business Administration offers loans to people starting small businesses, but the agency does not make the loans directly. The loans are made through existing banks and carry medium-term financing and attractive interest rates — in some cases, up to 10 years with loans that have interest rates as little as 1 percent above mortgage rates. The SBA loans can require as little as 10 percent down, and loans can be up to $5 million in some cases.
The great thing about SBA loans is that you don't need to be particularly well connected or have any special background to be a success. There are plenty of ordinary people with big success stories as a result of SBA loans.
4. Silent Partners
Another way to leverage other people's money is to build wealth by starting a business with a silent partner. Frequently, people with great business ideas are not the same people with money to invest. To solve this problem, many businesses are started as partnerships, with one partner providing funding but staying out of the day-to-day business activities and the other partner acting as the manager and hands-on operator.
Silent partners are distinct from investors in that even if they are not directly involved in the business on a daily basis, they are still consulted for major business decisions and should be there to give advice and background expertise. Silent partners can be used in all sorts of businesses, from flipping houses to manufacturing or retailing.
Silent partnerships can benefit both partners and enable the formation of a company that would never have been started otherwise. To begin finding a silent partner, tell friends and family about your business idea and ask if they know anyone who could act as a mentor and silent partner to help launch it.
5. Angel Investors and Venture Capitalists
Angel investors and venture capitalists are related to silent partners but are distinct. A partner, whether silent or not, is generally consulted on business decisions and has at least some small role in the running of a company. In contrast, venture capitalists and angels are investors who provide a limited amount of advice and mostly financing. They expect to be paid a return on their investment in the company, and unlike a silent partner, they are almost never involved at the time the company is formed.
Yet both angel investors and venture capitalists can offer substantial opportunities to people starting a business with high growth potential. From Tesla to Apple to Facebook, many of today's biggest and most successful companies were built using venture capital financing, with the company founders investing very little of their own money. Angel investors generally get involved a little earlier than venture capital investors and often take bigger risks than venture capitalists in the hopes of getting a bigger return.
Investing experts tout the benefits of using venture capital, including guidance and support for the company. Venture capitalists "can open doors, create synergies across companies and provide entrepreneurs with access to top talent," according to Mike Woollatt, CEO of the Canadian Venture Capital & Private Equity Association.
6. Stock Market Margin and Options
If you want to build wealth using other people's money and still keep your day jobs, investing in the stock market using leverage can be a good idea. The Standard & Poor's 500 index returned an average of 11.53 percent annually between 1928 and 2014 according to the Stern School of Business at New York University. That return is pretty good, but it could be even better for investors successfully leveraging other people's money. That tactic underlies much of the hedge fund world today and has created numerous billionaires, from John Paulson to Ray Dalio.
For the average individual, starting a hedge fund is not feasible, but using options and margin are. Options allow you to leverage money from other investors in the market without having to pay interest while you are raising the funds. Options can be risky if used incorrectly, but they can also be highly lucrative. Economists Amit Goyal and Alessio Saretto found that some options strategies could yield returns of 30 percent annually or higher, representing an excellent return, given the risk involved.
In contrast to options, buying stocks on margin allows investors to essentially borrow for their investments for a monthly interest charge. That charge varies depending on interest rate levels, but it is generally below the expected annual returns on stocks. For that reason, many investment firms tout responsible use of margin as having benefits for investors.
7. Government Small Business Innovation Grants
Finally, for creative people with great ideas, perhaps no other opportunity to use other people's money and build wealth is as significant as the U.S. government's Small Business Innovation Research program.
The SBIR program offers grants to individuals and small businesses with a unique idea to solve a challenge faced by a department of the government. The individual can apply for a grant based on his idea, and if the government likes the idea, it will award grants up to several hundred thousand dollars to start a business that will solve the problem. The SBIR program has been responsible for numerous successful businesses and has helped thousands of people build substantial wealth, all without spending a penny on their own.
Have you ever thought about "using Other People's Money: OPM" so that you could buy a business and re-invent a business/or real estate and also realized that customers and renters pay for it all for you if structured so.
Buy a business using none or very little of your own money. This article may amaze you as you see the power and possible simplicity of leveraging your business ownership — for instance by finding a motivated seller who will take little or nothing down and do owner financing (and carry a lien) upon the business and properties, for one example. The following are suggestions based on some U.S.A. processes, and is an outline of how it could work, and some considerations for such an opportunity to succeed would include your finding out what are the exact applicable laws and regulations that you must comply with in your area in the jurisdictions of your state and local courts and laws — which are probably quite different from place to place.
Here are some fascinating steps to get ownership of a business using little or none of your own money:
- Read books and articles about using other people's money to leverage a business, e-Commerce, iMarketing/publishing, or real estate, for example: Barry Lenson Executive Editor at Trump University wrote: from "use other people's money" page at TrumpUniversity.com "…in the world of real estate investing, where it is possible to apply leverage in all kinds of different situations, it can be a very smart thing to do." You stand on the shoulders of the previous generation in some businesses, or families.
- Trump U. tells a story about "Ben" who went to a friend and said something like, "If you lend me $40,000 to make a down payment on a house and renovate it, I will handle all the details for you (and discussed how they would share the cost and profit)."
- Well, it indicates that he found a property, negotiated and made the purchase, supervised the renovation and sold it so that they split a profit after costs were paid, making about $35,000 each on their first joint venture. They did another deal, then, Ben went out on his own. It does not mention how long that took.
- According to Merriam Webster Online Dictionary, Leverage is the use of credit to enhance one's speculative capacity. It can also be defined as: The use of various financial instruments or borrowed capital, such as margin, to increase the potential return of an investment as well as the amount of debt used to finance a firm's assets. A firm with significantly more debt than equity is considered to be highly leveraged.
- But the Business or real property in your name or corporate name, you need to make sure that:
- You are getting a good deal (paying less than market value, as it stands) in a stable or improving/or transitional location (edgy, but luck may go either way(?); it probably does not depend just on you or depends on moving faster than others, etc. – caution/caveat).
- Make your profit at time of your purchase (meaning loaded with potential, or not) by how you buy, with what plans and your creativeness. So that, there is potential to increase the value quite significantly by fixing up, with repairs or more extensively remodeling, re-inventing the product, or the market — dressing up with some inexpensive improvements, or that more expensive ones can/will increase value quite well.
- Visualize that your customers and/or your renters pay for the deal for you — you, therefore, would need little money to own your business or property. Consider holding your purchase so that the business income or rents pay it off for you over the course of time.
- Make a strong profit possible, and do it to succeed. Do you see that when you own a business or rental property that you must make a "positive cash flow" (call it a profit) to have the business pay for itself, or fail, fall prey to lack of equity and appreciation, or not following through by you or ones depended upon.
- If you do not make a positive cash flow, significant profit, you might still stay in business if the reason that there is "not a good profit" is called a "loss on paper," that is, after all expenses of the business are paid and depreciation is figured on the equipment, improvements and fixtures you are still able to exist, well or not so well, that is, "loving", eating beans and rice, living in a back-room or attic.
- Be realistic, but not paralyzed by negativity or over-concern. Realize that without a good profit: then there is a cruel-risk for you, the seller and/or the lender (that's why conventional financing for an inexperienced owner is difficult or even impossible). So then a motivated seller becomes highly desirable to put you in the best position to profit enough.
- You most likely would not have enough operating capital to reinvest in new equipment, improvements and to grow the company — unless the customers pay a hefty amount in advance, down payment or such.
- In rentals (leases) you receive security deposits and some rent paid in advance by new renters, but you often have to pay back all of that including the security deposits if renters have maintained the property except for ordinary wear and tear, and they leave it clean.
- Compare this leveraging idea to issuing stock in a market economy based on stock markets where the stock investors "pay for the business" for the corporation and common stock investors have no ownership in the company, as such, but must sell the stock to other investors.
- In this case the seller or lender is paid off by funds received from common people as your customers and/or renters "similar to common-stock investors" having no ownership rights as money is paid to you and you pay the seller.
- Realize that you could lose it all — like any investors when you invest time and money in a business or real estate; you may lose on the business or the real estate investment — and sellers may repossess the business, or investors foreclose on your property, if you cannot pay your commitment and do not have adequate operating funds.
- Issue stock, perhaps, when your idea is developed, as your business succeeds, then, you, the lender and seller may profit and pay off loans by issuing, selling stock, that is: "selling paper". So your customers and renters being dependable and prompt to pay you is so very important, just like stock investors buying issues of stocks at a good price for that stock market is necessary to that issuing corporation.
- Realize that if your leveraged business is being a "landlord", you may develop this into either:
A real estate type of "business," with multiple properties, and managing your rentals; or,
Remain as an "amateur, individual" with a small investment in real estate, and then it may not really be a business as such but more like a "hobby," a sideline.
- Finance through the seller, owner financing, is a probable way of leveraging which would mean that the owner sells a business or property to you and finances it for you with a down payment and a monthly payment — examples:
- Owner is retiring and moving to the retirement home or a farm and wants a monthly income, and little or no responsibility for managing and up-keep (for the seller).
- Owner is moving to another country, state, or province
- Find conventional or investor financing to borrow your money from a financial institution, if you can pay a large down payment.
Perhaps you get a mortgage company to finance and set the terms that you must accept on the real estate.
Long term financing is not commonly done by banks. Banks are usually not mortgage companies.
You may be able to find a partner to invest with you, if you can find someone who would own part of the company for example. Partners as investors are often leery of financing such deals for new inexperienced owners.
- Check consumer laws, if you are buying "personal property" which will become business materials as an individual, as a proprietor — not as a corporation — you may have consumer rights that protect you in some states or countries for 72 hours of some such period of time, as consumer protection, to vary items quickly (without procrastinating).
- This may depend on how the paper work or contract is written, if it is sold all together as a business (as a "bundle") or in pieces as individual items.
- Get precise list of any/all materials, stock merchandise, furniture and/or equipment that go to you as part of the business — or else, you may have problems knowing what you are buying or have bought
- Know that fixtures attached to the property are part of the real estate in many countries, but unattached equipment can be removed, and you could be surprised by what you thought was part of the deal as opposed to what is and is not given over to you by the previous owner/lien holder.
- Be sure to get the seller to furnish you a "warranty deed", or whatever that deed is called in your Borrow to start a business
More Canadians have joined the ranks of the truly rich by starting their own businesses than by any other means — and almost all of them had to borrow big to do it. But it's not for the faint of heart. When Toronto bread and gourmet sandwich maker Simon Bradley needed cash to set up a shop in Toronto, he struck a deal with his banker that gave him access to close to $500,000 in funds. But he had to pledge his house as collateral. Seven years and one child later, Bradley (we changed his name to protect his privacy) now owns four successful bakeries, including a flagship store in Toronto's financial district. He gambled that using leverage to secure high-traffic storefront locations in key areas of the city would pay off, and it did. His profits are soaring and his business is still growing.
The best part is, the richer you get, the easier, it is to borrow more. If you borrow enough, eventually the people who lend you money are taking on more risk than you are. "Rich investors, like the Reitmans or the Trumps, borrow aggressively, roll the dice and hope to win big," says Talbot Stevens. "And, if they don't? They flush the loss and start over again — with someone else's money."
If you're interested in borrowing to start a business, you should start off using leverage in conservative and responsible ways. If you're like most entrepreneurs, you'll start with what's called "love money" — low-interest loans from family and friends, explains Rick Spence, a consultant and founder of the Canadian Entrepreneur blog. Once you've burned through that, you'll likely turn to angel investors — wealthy individuals who enjoy the risks and rewards of a start-up. "You can borrow anywhere from $10,000 to $100,000 with angel investors," says Spence, but these investors expect a return on their investment, and it often comes in the form of part ownership or a stake in your earnings.
If you need to borrow from banks or other financial institutions, it will come at a steep price. Even in today's low-interest environment you can expect to pay 12% on a business loan. Instead, consider borrowing against the equity in your home, says Spence. That's what Mark Pervan did when he launched his renovation business in the midst of the recession. He used a secured line of credit to smooth out cash flows and keep everything on schedule. Two years later, he's debt-free and so busy he has to turn down work. "Many advised against using this type of leverage because if your business fails then you could lose your house," says Spence. Still, for many entrepreneurs, it's the cheapest way to borrow.
- The warranty deed in general means that the seller warranties (guarantees) having the right to transfer title of the ownership of real estate. Merriam Webster Online Dictionary warranty deed
- Seller sometimes will pay for the warranty deed, legal work and also owner finance it for you, if they are motivated and you seem like a good risk and impress them as being a good worker, and a good manager.
- Register the deed immediately and get legal work verified as part of the deal using your attorney or a title company, if real estate is involved.
- There are title companies in the USA that specialize in getting deed and title papers correctly made out and ready for closing, ready to sign for the parties for the title to real property to be passed to the new owner (yourself).
- Take possession of the property as you must not allow renters to continue living there without paying you, nor paying to the old owner, nor allow another operator to retain the business or property, nor even have the seller to remain in possession of the business or property.
- The seller might become a temporary employee of "your company" (consultant) and train you, if that is part of the deal. That is risky, of course. You may get bossed around, and it could turn out to be like a scam if the seller "hangs in there."
- Check the laws in your particular country or state to find out about real estate title insurance through your title company. Title companies make sure that the real estate is under (or is brought into condition of) "clear title," so that all liens are paid off at the closing including paying back taxes.
- Require title insurance policy to be part of the closing (passing title) to cover the risk that the real estate property title might be bad, that is if:
- Seller did not have title or clear title due to unsatisfied (un-cleared) liens of lenders or taxing authorities, etc.; or
- A mistake or even a fraud (misrepresentation) was involved for example.
- Urgently get any real property warranty deed recorded and registered in your name and put on the county tax rolls to be sure you are correctly shown as the legal owner. Register the business in your name as an individual at the county courthouse, or license and register a corporate name at the state level; check the laws of your locale.
- You may have to hold various licenses, pay fees and taxes as the owner of some kinds of business, to legally operate or collect taxes, etc. Of course some businesses, such as restaurants, have additional matters to comply with because of state and local health department laws and regulations.
- Have your lawyer check contracts, financing (liens) and any real estate deed(s) for standard and desired covenants (the correct legal agreements) and avoid some unusual deal: One is, the right to pay-off early with or without penalty, or the owner-financier may have put in no early pay-off to assure retirement income flow to the seller, tying your hands!
- Caution: restrictions placed on real estate by covenants in the deed can restrict how and the purpose for which the land and improvements may be used, regardless of zoning. Contract can throw out uses that are legal but disallowed in the contract!
- Get any business licenses required for a business, and check with the state to get set up to collect and pay sales taxes if retail is involved, and find out about business taxes which may be more demanding (like estimating income and paying quarterly taxes, etc.).
- Publishing and general commercial printing companies are one kind of business and religions, too, that are not licensed under USA and U.S. state laws because of the U.S. Bill of Rights which says congress shall make no law restricting the freedom of the press, or religion. This is an important issue to consider. Some persons create either or both combined to do whatever without a license, yet courts and laws do assign certain responsibilities and protections of the public as well, that is, against fraud or other crimes.
- Beware of possible squatters who may "own property" by having been allowed to hold adverse possession by previous owners, for the statute of limitations. Sounds wrong, but possession is a large part of ownership over time after the intruder or defaulting party is known but allowed to stay; laws vary from state to state.
To conclude this article, I want you to pay attention to two (2) other examples below as captured by moneysense, of how you can use other people's money to buy real estate or start a business:
Borrow to buy real estate
It was the mid-1980s and D.G. Southen was only 24 years old when he bought his first investment — a house near the University of Western Ontario in London, Ont. He borrowed $20,000 from his parents to put a down payment on an $80,000 house. To pay the mortgage and other costs Southen rented the place out to six other roommates. "I slept in an unheated attic and paid the mortgage from the rent I collected." After a few years Southen grew tired of living with so many people, so he sold the house for $108,000, paid his expenses and used the net profit for a series of down payments on four condo units near the university. Southen was fortunate: he caught an "updraft" in the housing market and made a lot of money.
Over the years, Southen has continued to borrow to invest in rental properties. These days he no longer looks at buildings with less than 40 units. "I'm older and I need to allocate my time more wisely, but I had to start somewhere." The part he likes best is that once a property's mortgage is paid off, it will keep spinning off cash every month from the rent. "Most people will draw from a retirement fund when they stop working and most will deplete that asset as they earn their income," he says. "Not me. I'll earn an inflation-adjusted $50,000 from just one of my holdings, and I won't ever touch the capital."
Large apartment buildings may be out of the equation, but the good news is that real estate is probably one of the more accessible ways to invest borrowed money, says Talbot Stevens, financial educator and author of Dispelling the Myths of Borrowing to Invest. "It's a mini-business that doesn't have a lot of complexity to it. For the average person real estate can be a good strategy."
To make sure you don't get burned, the key is to remember that borrowing to buy an asset, called leveraging, magnifies both the gains and the losses. To understand how this works consider what happens if you put 10% down on a property worth $300,000. Your original investment is $30,000. If the house goes up in value by $60,000 and you sell, you'll make a $30,000 profit (before interest, taxes and expenses). So the house only went up in value by 20%, but the return on your investment was 100%. That's how leverage juices your returns.
Now consider the downside: What if the house drops in value by $60,000 and you sell? If that happens, you won't get any of your $30,000 down-payment back, and worse, you'll also owe $30,000 to the bank to pay off what you're short on the mortgage. In this case, the investment has declined in value by just 20%, but you're underwater by 100%. You've lost more than you invested to begin with.
That's why the key to building a successful real estate portfolio using leverage is to invest in property that is cash-flow positive. That means the income you get from renting out the property covers all your expenses, including the mortgage, taxes, insurance, maintenance, repairs and a contingency fund. That way your property will be making money for you whether house prices go up or down — so hopefully, you'll never be forced to sell in a down market.
Borrow to start a business
More Canadians have joined the ranks of the truly rich by starting their own businesses than by any other means — and almost all of them had to borrow big to do it. But it's not for the faint of heart. When Toronto bread and gourmet sandwich maker Simon Bradley needed cash to set up a shop in Toronto, he struck a deal with his banker that gave him access to close to $500,000 in funds. But he had to pledge his house as collateral. Seven years and one child later, Bradley (we changed his name to protect his privacy) now owns four successful bakeries, including a flagship store in Toronto's financial district. He gambled that using leverage to secure high-traffic storefront locations in key areas of the city would pay off, and it did. His profits are soaring and his business is still growing.
I am quite sure you have learnt a few things on this topic, 'Leveraging your business with other people's money' and if this was helpful, please share among your social networks and link back to the page for more exciting resources on personal finance