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subset: commoncrawl


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Both dividend stocks and mutual funds function as investment vehicles that pay income to investors, but are structured differently. Unlike an individual stock, which represents an ownership share in one company, mutual funds hold a variety of stocks or even other types of securities, such as bonds.
Dividend Stocks
Stocks that pay their investors a dividend (a portion of the company's earnings) are sometimes referred to as dividend stocks. Companies that are known to pay their investors dividends---and increasingly better dividends over time---are sometimes referred to as dividend aristocrats.
Dividend Stocks and Risk
Dividend stocks are sometimes sought as an investment vehicle because they appear less risky than other stocks. If a company is insolvent (financially unable to meet its obligations to investors and creditors), then it generally can't---or won't---pay out dividends to its investors. Therefore, investors assume there is less risk investing in a company that pays dividends, but that is not always true.
Dividend Stocks and Income
Dividend stocks can provide a steady income source, which makes them appealing to some investors. But when a company pays out dividends, it is not using all of its profit for future company growth or to invest in new equipment or improvements.
Mutual Funds
A mutual fund is a collection of stocks, bonds or other securities that an individual can invest in along with other investors, sharing the overall expenses---and the risk---as well as the profit.
Mutual Funds and Risk
Like dividend stocks, mutual funds can be considered less risky, but for a different reason. Mutual funds consist of different types of stocks or bonds, which means that while one part of the mutual fund is experiencing a loss, the other parts might be showing a profit.
Mutual Funds and Income
A mutual fund makes two kinds of earnings distributions to investors: a distribution of income from dividends and interest and a capital gains distribution, which results from capital gains realized from the sale of a fund's investments.
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Though both issue popular investment instruments, there are fundamental distinctions between stock companies and mutual fund companies. Stock companies are large corporations...
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Steering Relay Centre Rod (right Hand Drive) for
Isuzu - Trooper
UBS25 - 3.2Petrol 1992-1998
Isuzu - Trooper
Availability: In StockOEM part number / MPN
(if collection required please contact us first)
(if collection required please contact us first)
- 8943892212
- 8970209502
ex VAT: £36.00
inc VAT: £43.20
inc VAT: £43.20
An aftermarket relay centre rod. Located between the steering box pitman arm and steering idler. Connects to the inner track rod ends.
Last viewed


text: Welcome to the world of comfort and speed on the football pitch. The new Adidas junior F5 TRX is not only pretty it's clearly in line with the Adidas F50 football boots, So while it is a cheaper alternative, it comes from a family with a great pedigree.Stand strong and deliver a lighting quick performance on hard groundThe upper features asymmetrical lacing for a larger kicking surface, the all-important Adidas branding is included with three stripes adorning the side in a striking black, the clean, contrasting red trim fused with the black and red colourway delivers a knockout design meaning these football boots will play through the season in style.The midsole offers a die-cut EVA insole for minimal weight and maximum comfort. The outsole features the TRAXION HG technology for optimal grip and comfort on firm, natural-grass surfaces.


text:
Flutist Alison Hale, Guitarist Stephen Procter to Perform at Amherst College Sept. 19
September 8, 2008
Contact: Sara Leonard
Concert and Production Manager
AMHERST, Mass. – Amherst College flute instructor Alison Hale and guitarist Stephen Procter will perform on Friday, Sept. 19, at 8 p.m. in Buckley Recital Hall in the Arms Music Center at Amherst College. The concert will feature tangos by Astor Piazzolla, Mario Castelnuovo-Tedesco's Sonatina and classical period works by Mauro Giuliani and Francesco Molino.


text:
Australia's Anarchists
by Kevin Hicks on Jan.17, 2017, under Australian
There is a growing list of apologies asked for by the many Socialist groups for atrocities or just ignorance from Governments of our past.
I am not stating that a lot of what occurred was not wrong, or insensitive in our modern day ideals, however an apology generally will do nothing for anyone. We have already improved on policies which matters most to ensure these things do not occur again, but unless an apology was by a individual to the person who was aggrieved no apology will achieve anything except to attack confidence in our governments'. (Our politicians achieve that without assistance)
First it was our Aboriginals, however the apology uttered by Rudd has meant nothing. White Australians are still accused of being murderers and invaders. Unfortunately they don't acknowledge the Aboriginals of the time were not pacifists, and themselves murdered many colonists. Colonisation has occurred throughout civilisation and Australia is just one of many countries taken over by superior forces in our past.
Now we have a group of people abused or let down some 30 odd years ago wanting an apology. Again it is not acceptable today how they were treated, but we should not be apologising for the failure of our past. If their are individuals who committed any of the accused actions willing to step forward and apologise for their actions, great, but the system that let these people down has been dramatically changed already and although still requiring work, the system is vast improvement on the past.
None of those feeling hurt or abused 30 odd years ago will benefit from a apology from our police force today.
Sorry if this sounds hardhearted, however our Socialist networks have been attacking our past to undermine our present for far too long. We have made appropriate changes to policies, recognising things needed to change as Australia matured and we are still being undermined by Socialist anarchists.
We can all look at instances from our past and recall things that no longer happen, but apologies would mean nothing as things HAVE changed now,(caning at school, erasers thrown at students, Boys homes or Girls homes where many were treated abysmally, just to name a few).
Let's stop being victims and start accepting things are far different now from our past. It is time to leave these things in our past and work on our future and finding a way to silence the agitators and anarchists so we can finally unite as Australians and keep improving our society.
Sinodinos Health or Wealth Minister
by Kevin Hicks on Jan.17, 2017, under Australian
Senator Arthur Sinodinos is a Turnbull mate and now Turnbull looks set to offer him the Health portfolio, the trouble is Sinodinos has some serious issues outstanding.
Politics is not meant to be a road to riches, however at present we have a glut of politicians who have forgotten this.When Sinodinos joined the Senate in late 2011, the salary for a backbencher was about $140,000.
This salary presented him with a problem as he was paying almost $100,000 a year to rent a house in Dumaresq Road, Rose Bay, which enjoyed panoramic views of Sydney Harbour.
He was paying leases on a Jaguar and a Mercedes, he had two children to put through private school and a socially ambitious wife, Elizabeth. Mrs Sinodinos, 39, already a director of Greek Young Matrons' Association, became a director of Betteroff Australia Ltd, which gives law firm Clayton Utz as its business address. Former state Liberal minister Ron Phillips joined the company on the same day.
When a third child Alexander arrived in 2012, the senator was even more financially stretched. Senior Liberal figures apparently urged him to move back to his home town of Newcastle where the cost of living was cheaper.
Instead, Sinodinos kept the gun-barrel views of the harbour, albeit in rented rooms at the Watsons Bay Hotel. The hotel is part-owned by the family of federal Liberal MP Craig Laundy.
Hotel staff insisted that Sinodinos paid full rent during his stay at the hotel. He then due to his financial position was forced to live with his in-laws.
Sinodinos, once he decided to become a senator had a limited amount of time to make money, and this may have been why the $200,000 per year salary on offer from Australian Water Holdings was too good to pass up. He was said to have been alarmed to find Eddie Obeid's son at the company, Sinodinos told others he was satisfied there was no other Obeid involvement. However, the Obeids purchased 30 per cent of the company in 2010 while Sinodinos was a director.
The $3 million the Obeids used to buy into the company came from the tainted proceeds of a coal deal, which already is deemed to be corrupt by the Independent Commission Against Corruption.
Senior public servants also claim to have warned Sinodinos about the extraordinary expenses AWH had been charging back to Sydney Water.
Sinodinos claimed to be unaware that AWH, of which he was a director, donated $75,000 to the NSW Liberal Party, although he was their treasurer.
Like the $4 million annual salary bill for the tiny firm, the money for the donations was billed back to Sydney Water, a state-owned utility.
In May 2010 one of the investors in AWH was so concerned he organised a meeting with Sinodinos. Rod De Aboitiz told the ICAC that he confronted Sinodinos about the extraordinarily high salaries the directors were paying themselves even though the company was in financial distress.
"Arthur, you know that solvency is a big issue for a director," De Aboitiz says he warned. But it is believed, the prospect of a $20 million payday down the track was too good for Sinodinos to pass up.
Although to date no charges could be proven against Sinodinos his reputation must remain damaged as he is likes to live well above his means.
Although his expense claims appear reasonable as a Senator, his willingness to chase the Dollar as a board member while appointed as a NSW Treasurer of the Liberal Party reveals a worrying flaw in his characterHe earned $200,000 a year for "a couple of week's work" and would have "enjoyed a $10 or $20 million payday" if Australian Water had won a lucrative government contract.
This is not a person to take over as Health Minister, or any other Ministerial position.
Australia Day
by Kevin Hicks on Jan.11, 2017, under Australia, Australian
I proudly display our Australian flag, I display it on my car for Australia day, & have the traditional Aussie attitude towards others of all races, live and let live, as long as they show Australia the respect it deserves and if they want to live here embrace Australia as if they were born here. Unlike the Socialist academics that decide putting your Aussie flag on the car is showing disrespect, I will point out while they have been sitting on their backsides embracing their communist heroes, I as a proud Australian served in the Australian Defence Forces, I was prepared to do what my country needed of me. So, if any of these Academic idiots wants to say I disrespect the Aussie flag, I suggest they shows some Aussie spirit and join in the fun and activities that is displayed on Australia Day. Many of these activities typifies what Aussies are about, we are a irreverent lot, we are casual, happy go lucky, hard working, have a strong sense of fair play, and have a great sense of humour. We are also tolerant of others even though they do not hold our values.
We do not see Australia as black or white, we do not look at being indigenous or invaders, we consider us all to be Australians. It is the Socialist activists and agitators that have corrupted many groups into looking at this differently, but that is NOT the Australian way. Because above anything else we are and always will be Proud to be Australians.
Syria's Sins
by Kevin Hicks on Jan.11, 2017, under Islam, Syria, war
SS captain Alois Brunner, is accused of deporting more than 128,000 Jews to death camps in WWII.
After the war Brunner changed his name to Alois Schmaldienst and lived untroubled in Essen, Germany..
In 1954 Brunner was sentenced to death in absentia by a French court, but he fled to Damascus, Syria, where he was granted asylum and lived under the assumed name of Dr. Gregor Fischer. Whilst in Damascus Brunner lost an eye and several fingers as a result of a letter bomb sent to him by Mossad, the Israeli Secret Service.
In 1987, in a telephone interview, he told the Chicago Sun Times, "The Jews deserved to die. I have no regrets. If I had the chance I would do it again". Brunner remained hiding in Syria until his death and burial in Damascus in 2010.
Rain from Nowhere
by Kevin Hicks on Dec.04, 2016, under Australia, Australian
This is a poem written by a real farmer ( in Australia) to highlight the seriousness of the depression they are suffering out there.
His cattle didn't get a bid, they were fairly bloody poor,
What was he going to do? He couldn't feed them anymore,
The dams were all but dry, hay was thirteen bucks a bale,
Last month's talk of rain was just a fairytale,
His credit had run out, no chance to pay what's owed,
Bad thoughts ran through his head as he drove down Gully Road
"Geez, great grandad bought the place back in 1898,
"Now I'm such a useless bastard, I'll have to shut the gate.
"Can't support my wife and kids, not like dad and those before,
"Even Grandma kept it going while Pop fought in the war."
With depression now his master, he abandoned what was right,
There's no place in life for failures, he'd end it all tonight.
There were still some things to do, he'd have to shoot the cattle first,
Of all the jobs he'd ever done, that would be the worst.
He'd have a shower, watch the news, then they'd all sit down for tea
Read his kids a bedtime story, watch some more TV,
Kiss his wife goodnight, say he was off to shoot some roos
Then in a paddock far away he'd blow away the blues.
But he drove in the gate and stopped – as he always had
To check the roadside mailbox – and found a letter from his Dad.
Now his dad was not a writer, Mum did all the cards and mail
But he knew the style from the notebooks that he used at cattle sales,
He sensed the nature of its contents, felt moisture in his eyes,
Just the fact his dad had written was enough to make him cry.
"Son, I know it's bloody tough, it's a cruel and twisted game,
"This life upon the land when you're screaming out for rain,
"There's no candle in the darkness, not a single speck of light
"But don't let the demon get you, you have to do what's right,
"I don't know what's in your head but push the bad thoughts well away
"See, you'll always have your family at the back end of the day
"You have to talk to someone, and yes I know I rarely did
"But you have to think about Fiona and think about the kids.
"I'm worried about you son, you haven't rung for quite a while,
"I know the road you're on 'cause I've walked every mile.
"The date? December 7 back in 1983,
"Behind the shed I had the shotgun rested in the brigalow tree.
"See, I'd borrowed way too much to buy the Johnson place
"Then it didn't rain for years and we got bombed by interest rates,
You said 'Where are you Daddy? It's time to play our game'
"' I've got Squatter all set up, you might get General Rain.'
"It really was that close, you're the one that stopped me son,
"And you're the one that taught me there's no answer in a gun.
"Just remember people love you, good friends won't let you down.
"Look, you might have to swallow pride and get a job in town,
"Just 'til things come good, son, you've always got a choice
"And when you get this letter ring me, 'cause I'd love to hear your
Well he cried and laughed and shook his head then put the truck in gear,
Shut his eyes and hugged his dad in a vision that was clear,
Dropped the cattle at the yards, put the truck away
Filled the troughs the best he could and fed his last ten bales of hay.
Then he strode towards the homestead, shoulders back and head held high,
He still knew the road was tough but there was purpose in his eye.
He called for his wife and children, who'd lived through all his pain,
Hugs said more than words – he'd come back to them again,
They talked of silver linings, how good times always follow bad,
Then he walked towards the phone, picked it up and rang his Dad.
And while the kids set up the Squatter, he hugged his wife again,
Then they heard the roll of thunder and they smelt the rain
The above is a indication of the pain at the heart of our farming community, if you are touched by it please show your support and click here https://www.facebook.com/friendsofaustraliansmalltowns/
Islam has no place in modern society
by Kevin Hicks on Nov.09, 2015, under afghanistan, Asylum Seekers, Australia, defence, Iraq, Islam, politics, war
There really is only one solution to Islam…the total dismantlement of this insidious creation.
Why can't they just rewrite their scriptures I hear it said, well the answer is obvious when you look at the teaching.
1. The so called religious side of Islam is merely stolen from other religions.
2. The man they call a prophet was a murderer, pedophile, rapist and thief….there is no rewriting this.
3. The main law of Islam is primitive, vile and does not fit into modern society
4. The creation and establishment of Islam was to murder anyone who failed to obey, the enslavement of the women and children, the rape of these slaves, and the death of any who refused to convert.
5. Muslims were not allowed to live their own lives, they are told how to think and how to act.
6. Women remain second class citizens wesll over 1200 years later
7. A woman will be punished if a man rapes her.
8. A woman cannot pray alongside a man
9. Women are taught from young this is the way of their life and must accept it or be punished.
10. Children are taught of the glory in violence that Islam is based on.
11. Even the story of Jesus Christ was stolen by these people and reduced to being a prophet of Islam.
12. A fascinating lie when Jesus lived 600 years before Islam was even thought about, proving Islam is a scam solely made up by a man.
13. Aisha a 9 year old child bride of Muhammad is honored as the wife of Muhammad. Pedophilia should never be accepted,and certainly not glorified as it is in Islam.
14. They are taught it is acceptable to lie to non Muslims in the Quran
15. They are taught any non believers must die and Islam is the only religion.
16. Judaism is hated by Islam as it started some 4000 years before Islam was crated and is the religion Muhammad stole a lot of its beliefs from and the religion Muhammad tried to kill off during his reign of terror.
17. During the holocaust of WW2 Islam stood side by side with the Nazis in the killing of Jews.
18. Islam has been the the instigator of most wars in the middle East and Mediterranean in the past 1400 years.
19. Regardless of claims extremist beliefs are not what Islam really is, it is these extremists who control the Islamic homelands and have enforced Islamic law.
20. A believer is expected to pray 5 times a day. This is a sign of brain washing as any true religion has faith in it's believers and knows they have chosen freely their religion without fear or favour to influence them.
These are 20 reasons Islam is a fraud, it is not a religion of any Gods creation. Religion does not condone violence towards it's fellow man, it does not expect man to submit to a religion, it would not be forged out of the steel of war, It is not brainwashed into people, instead a true religion expects man to decide for themselves. Religion does not have a set of laws that will punish a victim rather than show compassion for them, nor does it expect a constant barrage of praying to supposedly prove your love in god. In fact it is this brainwashing that create the zealots that terrorists are formed from.
It is said God gave man the ability of independent thought, the decision to believe is left in man's hands to make our own decisions and regardless of what those decisions are God loves his greatest creation. If god does exist, this would be the true god, the one that wants your love and devotion, but not out of intimidation or fear, rather due to a free decision and belief that God is deserving of your devotion.
Although Protestant and Catholics fought in the 1500 and 1600″s over religious differences it has been Muslims behind all other religious warfare since its creation. Islam is a far too extreme system of belief to expect there will not be a number of Muslims who will become tainted in their devotion and for a great number of these devotees to be convinced to commit acts of violence, join in with Islamic warfare and in instances become committed to acts of terrorism.
Increasing security in Police stations is not the solution?
by Kevin Hicks on Oct.19, 2015, under Uncategorized
Under the headline 'Security upped at NSW police stations' we are told as a result of the Islamic threat, which supposedly just needs respect and tolerance to resolve we will be spending $millions to makevpolice stations safer. Well it appears respect may be what the rest of us are expected to use to deal with this threat, but our armed police are being given a new definition of respect.
Security has been upped at NSW police stations and security will apparently be tightened at NSW police stations considered high-risk targets following the fatal shooting outside Parramatta police headquarters earlier this month. Can anyone explain why some police stations are considered high risk but others not?
Multimillion dollar upgrades are expected to get underway within months and will include perimeter fencing, fortified security screens, remote-door access and CCTV. Lets get something straight here though, no one actually went into the station and fired shots, so why the over reaction? Our police and their stations are always targets of many elements, yet because of Islam, they now need to upgrade security! This is amazing as bikie gangs never prompted this action, organised crime did not prompt this action, but a 15 year old dead Islamic boy has forced this action. Apart from increased CCTV, I don't see a reason for this over-reaction.
According to Pat Gooley, vice president of NSW Police Association, Stations across the state will be upgraded but the focus will be on Sydney stations. I admire our Police and welcome a return to 2 officers travelling in the same car and to attend incidents, but I am not filled with confidence over these measures as a result of a single attack. The attack being made outside of the police station, and apart from the victim of the attack, on a station with armed police officers. How safe do you feel if our armed police need to adopt these safety measures at their work?
These officers require more protection in the field and in their private lives than in their stations. The next time you hear some politician claim it is all about public confidence and perception, ask them why we needed to upgrade security on the police stations, and how this fits in with increasing public confidence, perception and police safety in the eyes of the Community.
Muhammad the False Prophet
by Kevin Hicks on Oct.19, 2015, under Uncategorized
How does anyone believe in the teachings of Muhammad who created a sham named Islam? Their mighty Prophet named Mohammed was an opportunist that married a woman 15 years his senior because she was wealthy and had contacts. These contacts were from a tribe that was rejecting the idol worship and learning the ways of Judaism, and Christianity.
Muhammad at that time developed a plan that would see him as a man of wealth and importance, he declared he had a vision and this vision was claimed as being from god. A uncle of great importance to the Arab peoples, who had just converted to Christianity was convinced this vision was from god and declared Mohammad was a Prophet to the Arab people. (continue reading…)


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How to Stay in Love and Keep Your Relationship Strong
How to Keep Your Love Alive with Your Boyfriend, Girlfriend, or Spouse
Love is many things. It's both painful and beautiful, burdensome and protective. Most people want it, some people find it, and a few die never experiencing it. This guide will help you keep the love in your life magical, lasting, and extraordinary.
Valentine's Day, in all its commercialized glory, will come and go, but at the end of the day it's just you and your soulmate. If you put time, effort, and love into your relationship, life as a couple will become even more wonderful than it was when you were single.
The most vital elements of happy, committed relationships are:
- Communication
- An open mind and heart
- A willingness to forgive and work together for a strong, more lasting relationship
Above all, relationships are not easy, but they are absolutely worth the struggle and effort.
Communication: Not Just a High School Class Anymore
Most people know that communication is a vital part of a relationship, but both partners, in their own ways, have trouble actually opening their mouths and talking about their problems. Here are some common issues each gender has with the other.
Guys: How to Understand Your Girlfriend's or Wife's Communication
You may think we talk about anything and everything. How could we possibly have trouble communicating? The truth is, we fear rejection and being alone more than the average guy does. The result is that most girls will talk about everything except what's bothering them most, out of fear of our significant others leaving us or being angry with us.
- The cure: Reassure her that you love her and will not leave her over a fight or relationship issue. At this point, your love should be strong enough to withstand most things, bickering and fighting included. Tell her that all long relationships have fights, and the most important thing is solving problems to avoid building up resentment that could damage the relationship.
- Do not: Tell her she is being irrational for her fears of you leaving. While we know that you mean it in a reassuring sense, that you would never leave her over something so insignificant, she takes it to mean that you don't respect her opinions or emotions, and think she's a silly little girl. Her emotions, while probably irrational, are what she truly feels and, as such, are valid. Treat her with the respect she deserves.
Girls: Stay Close to Your Boyfriend or Husband with Open Communication
Guys feel a constant pressure to perform and compete, and they constantly feel like their ladies are judging them. If they're with you, they think you're the most beautiful, most amazing thing under the sun, but they have trouble constantly reaffirming their affection. To them, what's true is true and does not need to be constantly addressed.
- The cure: Tell them what you want from them. Guys hate guessing games and are not very good at them. If you want something for Valentine's day, have a heart and at least give them some hints, like, "I want flowers, but I want you to pick out what you would most think I would like, and not roses like everyone gets." Praise them, and tell them how much you enjoy it whenever they do something unexpected for you, so they don't have to constantly wonder if you enjoyed what they did, and if they should do it again.
- Do not: Expect them to constantly be thinking about you, every second of the day. The fact that they love you, to them, is so obvious that it doesn't need constant reassessment. Also, girls communicate so much more non-verbally than guys do, but you've got to open your mouth and speak if you want to communicate with your boyfriend/husband. They hardly ever realize something is wrong unless you tell them.
Next time you have a fight or are even upset with your boyfriend or husband, take a step back and see if some of the problem is caused by your two very different communication styles. If you can begin to see where your other half is coming from, that's half the problem resolved already!
Keeping the Magic in Your Relationship: Maintain Intimacy
A common complaint, and one that too many people panic over, is when people incorrectly believe their relationship is failing because that initial rush is gone.
- "The magic just isn't there anymore."
- "He's not the man I fell in love with."
- "When we first dated, my heart beat faster when I saw her. Not anymore."
The common theme in all of these is that things between the two of you just aren't amazing as they used to be. It's not the end of the world, and it is definitely a problem that can be fixed. Using the communication skills highlighted above, you can fix these issues before they become something bigger.
- Keep kissing. Studies show that couples in failing relationships stop kissing each other on the lips long before they stop having sex. In many ways, kissing is much more intimate than sex.
- Do little things for each other. Give her a foot rub after a long day at work. Buy him tickets to a sports game, and pretend you enjoy watching sweaty men run around a field wih a ball. The little ways you show you appreciate each other add up and will bring the romance back into your life.
- Get away from all other distractions. Rent a hotel room for a couple nights or find a cheap getaway cruise for three nights. Chances are, you were just too stressed and distracted to fully appreciate your loved one, and time away from work and duties will remind you of what's important.
- If you need help, seek it. If these things aren't doing it, there's still no reason to become a divorce statistic unless there is truly no other way. Talk to your religious leader, go to a professional counselor—do whatever you need.
You will always regret a failed relationship if you don't truly believe you did whatever you could to fix the problems. If he or she is important enough to you, you will do whatever it takes to make things work. Don't give up! There is always hope.
Inexpensive Ways to Show Your Love
- Go on a picnic, just the two of you.
- Run or walk at a park together.
- Fix your love his or her favorite meal.
- Reminisce about when you first met.
- Ask each other random questions about your childhoods, secret wishes, and hopes.
- Learn how to do something new together.
- Experience being physically close to each other.
- Hold hands in public.
Keeping a Financially Peaceful Household
One huge cause of misunderstandings and fights in relationships is money: how we earn it, how we spend it, and how we save it. It is vital that couples learn that neither should be solely responsible for the relationship's finances. As always, teamwork and mutual respect is the key.
- Decide how important money is to the two of you. Sure, money is convenient, but at what cost? Is having to send the kids to daycare okay? How about never having the time to go on vacations? Time and money are usually a trade-off, so the two of you need to decide where you stand on the issues.
- Decide how to spend the money. Do the two of you have separate checking accounts, or are they shared? Either way can work, but you always need to talk over big purchases together, even if you're paying for it with "your" money. Otherwise, your significant other will not feel respected because you never considered consulting his or her opinion before bringing home that enormous television set.
- Decide how you are going to save money. You both need to get your long-term finances in order. Money conversations are so much less stressful when you know you have money safely saved and in the bank.
Money problems are some of the easiest issues to fix, if you sit down and figure out exactly what you are unhappy about at this moment. Always make money decisions a team effort, and, through your problem-solving, the two of you will grow closer in the process.
True love never explains it speaks from the heart and never ask why.God bless Aaron,you have made my life worth living.i love you
My wife and I just recently got married and moved into our own home . I work at night and she works during the day . We'll I recently discovered that the nights I work my wife is staying with her mother and her mother encourages it . It frustrates me and I don't know don't how to discuss it with her. I love my wife and I want her to be happy in our new home . How do go about this situation ?
We have been dating for 8months now this past three month we started fight every now and then anything I say she got a problem with it even if it an opinion she has a problems with it she get mad at and she does not pick up my call when she is made at me and she makes it clear she's not pick my calls . Why do I do to get this relationship back in track ?
let me know ur reply
I have got a boyfriend and hes very special to me i have been with him 5 months and we have only, kissed oncew only we are very shy and young i am only 14 and him 13 i love and i have told him and Valentine's Day is coming and i don't know what to do with him. what could i do? i haven't seen him in 2 months i am worried about cuase my mum and dad don't know about this.
Hey, I'm a 16 year old boy that's been in a relationship for over 2 and a half years. My girlfriend recently moved schools and I am very worried that this year we will slip from each other. I was just wondering if you had any tips to stop us slipping away from each other? Thank you a lot.
hey ive been having problems with my girlfriend whom ive been in a relationship for 2 years. i have problems being faithful. ive cheated on her before and she got over it after a while then now i screwed up again and she saw on my phone that i was looking at pictures of other girls and i was texting a girl i had an affair with a while back. i feel really down and depressed about it i feel so ashamed of myself and cant move on without her. i love her so much. she wants to try to maybe work it out but im trying not to be pushy. im looking on advice on how to be a more faithful trustworthy man so i can fix my relationship and be married to this girl?
me (going 15) and my boyfriend ( 18 ) are fine but WERE APART from each other Im in highschool and he's college we don't care if somebody that im almost his little sis, My problem is HE SPEAKS AND TEXTS MY BFF OFTEN AND MY BFF TELLS ME THAT I DON'T HAVE TO BE JEALOUS I'm a girl too. . My boyfriend is too friendly to girls that im really thinking that WERE NOT TOGETHER :3 I always see him in vacation if we visit there house... He, SO GENTLEMAN that everybody will skip the line and im thinking that he doesn't love me because WERE IN DIFFERENT SCHOOL AND DIFFERENT PLACES
Hey, I really like this article it might really help, well I've been with my GF for only 2 months and I already love her so much and am so into her and falling for her more and more everyday. I'm 17 and she's 16 and I think we have a really bright future together.. She's the best thing ever happened to me she's just an angel ;;) thx for that article it will help a lot..
hanks ver much u've real helped me....
Hi I'm Namal and I'm 12 and my boyfriend is 13 and we both don't talk to each other face to face about our relationship , he sends me letters everyday and he even gave me presents and I didn't know that he loved me since 3 years and since that day he kept a rise with him and he gave it to me now. He actually gave it to my friend to give me and I actually don't know what to gift him . And the biggest problem is that he is in my school and my sister isn't in my school and she has said many girls to follow me and for that reason I couldn't even talk to him . Can anyone please tell me that what should I do?
hey i m nadia .i m fall in love with a guy but now he have breakup to me .i cant live without him .plz tell me how can i get him again .i want a relation ship again.plz tell me
Me and my girlfriend have been together for four years and just like other relationships, we have our ups and downs. We love each other well at least she says she loves me with all her heart. But I used to be very cold to her from my past relationship when we first got together but I made a change after a year with her and started opening up and showing more affection. At that time she had gave up and had gotten into the habit of going out to clubs and hanging with the wrong girls. She basically gave up on us. At the quarter of last year we talked it out and she agreed no clubbing and that we were going to work on us. She clubbing stopped but she laid down that habit with hanging out with family till 3-2 in the mornings on weekends and I feel unloved and abandoned. I explained this to her and she looked surprised that I would say that she doesn't love me but that's how she makes me feel. So now all we do is argue about her being here with me and her response is that I don't want her hanging out which is not true. I just don't want the girl I'm with to not think she can come in when she pleases. Then she says I was the one that started making her get out when all she did was want to be with me and that is true but I changed. How and can I fix this or is this just karma and there is no fixing. I threaten to leave her and she cries and begs me not to and she says it's gonna stop but when every other weekend comes ( when her 2 kids leave for the weekend to go to their daddy's) she does it again and it's the same thing. Help please. She says that she cannot be without me but yet it's like she doesn't even care.
My email is firstname.lastname@example.com
My woman of 4 years and I have been going through a lot of problems recently. Her and I have a 3 year old son together. We've been through plenty of good but also plenty of bad situations... We recently got engaged June 22nd of this year, with plans of an August 2014 wedding. However, as of late, the last month things have went a little differently, I moved out and we have only saw each other a few times since. We still talk on the phone every day. The thing is we've both said things like "I don't want to be with you" or "I'm done" and even cursed each others out. The problem is I still want her, she says she still wants me after all of this. When we kiss I still feel the magic and to my knowledge she does as well, when I see her I still feel the same way about her. Our biggest problem is lack of communication, well proper communication, we've both agreed to go to couples counseling but have yet to go. Has anyone on here been to couples counseling? Please let me know, I want this relationship between her and I to work more than anything. I'm just trying to gain a better perspective of it. Any response would be greatly appreciated. Thank you.
Excellent hub, great tips, useful and interesting.
hi i want to advise from someone.i met my husband in school time.now we are married couple(3 year).our love affair 12 years came.we are living in dubai.i am doing parttime job and his working hotel.his living with me my accomadation last 2year and six month.but he twise a week going to see his hotel friends and that night he not coming home.he cant stay every day with me i hope his very boring.before he said lies to me he going parttime but later i found photoes with friend party.after that iam asking why u telling lies to me.then he get angry and he pack his stuff and left my place.18 days he is living with friend accomadation.but every day his giving blank call.that 18 days i was very upset.after that he came home but i saw his mobile pictures his full of enjoy that days.now he found god job.he said icant stay home bcoz my work place little far iam going to stay their accomadation.but my friend said here to his work place buses are working.i told to my husband here have some busses please don't go accomadation but he said no i am going to stay their bcoz i want to stay at time in my work place.right now i feel very alonely.his coming home once week.i know his love me bcoz my birthdays his giving always good surprises for me.feel like he love me.but he not triying to stay with me.if iam not calling to his mobile he also not calling me.he don't have a afair with other women.only thing he always like to stay with friends.now 4 days came he went to new accomadation to stay.this days iam feeling very sad.he knows about it.i want to take him again my house how can do? please tell me someone
Good advice me and my boyfriend are getting better we are opening up to each other and telling the truth about everything that happened in the beginning of our relaionship and it has made us so strong cuz i went from lying to him about my past life to just keeping it real with him big step and change in our relationship im proud of us!!!!
i have a boyfriend. and he's married.. i love him so much., and i don't know how to go out in this relationship. im so much inlove with him. he always break up with me, bcause of little issue. pls. help me wat im going to do :(
Im 16 and my ex-Boyfriend and I are still talking /working on our relationship. I Like him ALOT ... and i want to work it out but I feel like were seperating or our relationship is getting boring.... especially after he found out I was talking to another guy.... even though I want HIM ....He doesn't understand ,he better keep me now or lose me Forever -__-
thanks for the article.... as a young father it helpz me alot....
Well..... A lot of the things in here are true but it takes a commitment from both sides of the relationship for it too hold strong... Personally I'm with a wonderful girl right now and I want the relationship to last because I really like her and I know she does the same, she just doesn't how it that well :/ when we are alone she's fine but almost anywhere else theres not much affection towards me and I try my hardest to shower her with love And be with her but It kinda brings me down the way she responds. I'm just not sure what to do anymore, so anyone looking through this for some help or encouragement... Just make sure if you know it's right between you guys, to never give up and don't be afraid to talk it out if you have feel there's and issue. Just keep faith!


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VINTAGE - 1966 Gretsch G6187 Viking hollow body guitar in 2-tone sunburst. The Viking was one of the wildest guitars Gretsch had ever made. It was top of the line and second only to the White Falcon when it was first introduced in 1964. The guitar is all original with factory stock parts and has the largest 17-inch Gretsch hollow body and is fitted with a pair of Gretsch Super-Tron pickups, Bigsby Vibrato, triple bound ebony fingerboard with thumb inlays. The Viking comes with the crazy cool "Floating Sound" bridge unit and "T-zone tempered treble" upper frets, which were features only available in the 1960's on a few Gretsch models. The guitar is in excellent condition with some binding cracks, which is quite common of most Gretsch guitars from the mid 60's. The guitar came from the original owner who bought it new in 1966. This guitar plays and sounds great!
Comes with the original Gretsch hardshell case!
Includes free shipping and free expert guitar setup
|2 Tone Sunburst
Customers ordering merchandise via phone/internet may use all major credit cards (VISA, Mastercard, Discover, American Express), PayPal, Personal Check (must clear account before we ship), Cashier's Check, Money Order, and Bank Wire Transfer (coordinates provided upon request). Please note that all international sales are by bank wire or PayPal only. For in-store sales we accept all major credit cards (VISA, Mastercard, Discover, American Express), Cashier's Check, Money Order, and that green stuff they call Cash.
At Andy Babiuk's Fab Gear we ship your gear to you FREE! All qualifying items and orders over $100 placed through our website qualify for free shipping via UPS Ground and is limited to the continental United States. The shipping address must match your credit card billing address or your order will be cancelled. Repeat customers can call to request shipping to an alternative address. We usually ship by UPS or FedEx. With the high quality of instruments that we offer we feel that this is safest and most reliable method of shipping. On special request, we will try to accommodate all special shipping requests. All shipments are fully insured. You can upgrade to next day or second day shipping at your cost. Please call us to upgrade your shipment. Customer pays all shipping on any returned merchandise. All insurance claims are the responsibility of the customer.
24 hour approval with shipping at the buyers expense. Upon receipt, if you are dissatisfied with your purchase, you must notify us within 24 hours and we will refund your money as soon as the merchandise is returned to us in the same condition as when shipped (except for layaways). Customer is responsible for all shipping, insurance and bank charges that may occur. Call Fab Gear with any questions 585.425.0077


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WASHINGTON — U.S. Rep. Randy Weber (TX-14), chairman of the U.S. House Science, Space and Technology (SST) Committee's Subcommittee on Energy, delivered the following opening statement today during the House Committee on Science, Space and Technology hearing entitled "Risky Business: The DOE Loan Guarantee Program."
The witnesses included: Ms. Diane Katz, senior research fellow in regulatory policy, Thomas A. Roe Institute for Economic Policy Studies, The Heritage Foundation; Mr. Chris Edwards, director, Tax Policy Studies, Cato Institute; Mr. Dan Reicher, executive director, Steyer-Taylor Center for Energy Policy and Finance, Stanford University; and Dr. Ryan Yonk, assistant research professor, Department of Economics and Finance, Utah State University, research director, Institute of Political Economy, Utah State University.
Click here to watch the question and answer session.
As prepared for delivery:
Today, we will have the opportunity to review the past, present, and future of the Department of Energy's loan program. I want to thank our panel of witnesses for joining us in this important discussion about the appropriate federal role in supporting energy innovation.
Established by the Energy Policy Act of 2005, the DOE loan guarantee program was designed to give federal support to risky, innovative, clean energy technology. Under a federal loan guarantee, instead of the private sector taking on risk to fund the scale up of new technology, the government steps in, risking federal dollars on the hopes for success of energy projects.
Through the Section 1703 and 1705 programs, the Department guaranteed loans to 30 energy companies, putting $28 billion in taxpayer money on the line.
After Congress approved over $2 billion to subsidize the costs of loan guarantees, the DOE issued more than $16 billion in guarantees to 26 different projects. In these subsidized loans, known as Section 1705 loans, companies not only received government backing for their loan, but additional taxpayer dollars were authorized to pay the "credit subsidy cost" of the loan, or the estimated cost to the federal government to manage the loan over its lifetime.
Easy money combined with political pressure to issue loans before the temporary subsidy program expired led the DOE to rush loan applications. Both the DOE Inspector General and Government Accountability Office found that the DOE did not have the necessary expertise or metrics to effectively evaluate these loans.
Predictably, a number of companies that received Section 1705 loans went into default. In total, over $800 million dollars in taxpayer money has been wasted by the DOE loan program.
It's clear the DOE loan guarantee program is expensive – the GAO estimates that the cost for the current loan guarantees is $2.2 billion – but supporters argue the cost is justified if we can help innovative technologies make the leap to the commercial market.
But, what if federal meddling in the market actually hurts innovation? As we will hear in testimony today, when the federal government provides loans and loan guarantees to favored technologies, innovation stalls. While federal government support helps loan guarantee winners attract capital, it draws capital away from other innovative ideas in the market.
And since large companies with the resources to lobby on behalf of their projects often have an advantage in the loan application process, the DOE loan guarantee program pushes capital away from the start-ups and entrepreneurs that often have the most innovative ideas. We need to be opening doors for these small innovators – not closing them by pushing investors towards federally backed, risk-free investments.
Additionally, taxpayers often end up paying higher prices for their power because of federal government meddling in the energy market. For example, when the DOE provided a $1.6 billion loan guarantee to the Ivanpah solar project in California, the state mandated the use of renewable power, and utilities entered into contracts to buy power from the DOE-backed facility. Unfortunately, the ratepayers in Southern California will now pay two to five times more for power generated by this facility in addition to being stuck with the bill if the project fails and goes into default.
The truth is, when the DOE provides loan guarantees, there is no benefit for the taxpayer even if the guaranteed loan is paid in full.
Regular Americans take on the liability of the full loan, they don't see a return, and can end up paying more for their electricity if the project is actually built.
The DOE loan guarantee program is just another way the federal government picks winners and losers in the energy market. It doesn't guarantee innovation or cost savings, and it doesn't guarantee access to capital for the next generation of energy technology. The only thing guaranteed for the taxpayer is extra cost and extra risk.
It's our responsibility in this Committee to examine Department of Energy programs, and ensure our limited resources prioritize the kind of research and science facilities that open doors for all kinds of innovators.
The Department can't prioritize the basic research it does best when it's playing venture capitalist.
Therefore, I think we need to take a hard look at the DOE loan guarantee program, and determine whether it's an appropriate way to spend federal research dollars.
In my opinion, and in the testimony you'll hear today, the American people would be better served if the federal government stopped picking winners and losers, focused on research and development, and let the market drive investment for energy innovation.


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Outdoor advertisment created by BBDO, United Kingdom for Snickers, within the category: Confectionery, Snacks.
You're not you when you're hungry.
Executive Creative Directors: Adrian Rossi, Alex Grieve
Art Director: Dalatando Almeida
Copywriter: Michael Hughes
Highest Rated
nice concept that makes this a nice campaign.congrats .
www.davincicreatives.com | firstname.lastname@example.com | 098405 86509
Disagree. I think its clean and simple. Most people don't catch it on the first glance. Once they hit the tagline they get that warm feeling in their gut that says: "Go ahead take another glance...maybe you missed something". Then BOOM! It's spelled wrong. Ahh...pure satisfaction.
nice concept that makes this a nice campaign.congrats .
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