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Moose Reveal 2017-18 Regular Season Schedule
WINNIPEG, MB. — The Manitoba Moose have revealed their 2017-18 Regular Season Schedule.
The Moose begin their 76-game campaign on Friday, October 6th in Grand Rapids against the reigning Calder Cup Champion Griffins.
The team returns to Bell MTS Place for its home opener on Friday, October 13th against the Cleveland Monsters in a 7:00pm matchup.
With the addition of teams in Belleville (Ottawa Senators affiliate) and Laval (Montreal Canadiens affiliate) this off-season, the Moose will play 12 games against Canadian teams.
The Belleville Senators make their first trip to Winnipeg on October 27th and 28th, while the Laval Rocket come to Bell MTS Place on November 19th and 21st.
Rounding out the Canadian competition, the long-time rival Toronto Marlies visit March 30th and 31st.
For the second season in a row, the Moose have increased their number of weekend home games.
Manitoba will play 26 games at Bell MTS Place on Friday, Saturday or Sundays throughout the season.
They will also play in 14 matinee games with 2 p.m. start times, including New Year's Eve (Sunday, December 31st) and Louis Riel Day (Monday, February 19th).
The Central Division accounts for 44 of Manitoba's 76 games this season.
The Moose face off against Iowa, Cleveland, Grand Rapids, Chicago and Milwaukee eight times and play against Rockford four times.
Playing 20 games against competition from the Pacific Division, the Moose take on Stockton, Bakersfield, San Jose, Texas and San Antonio.
Manitoba wraps up its home schedule on Sunday, April 8th against the Bakersfield Condors.
The regular season closes on Sunday, April 15th when the Moose battle the Chicago Wolves.
You can download the schedule here.
—Andrew McCrea, MyToba News
Photo – Rusty Barton


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Meatloaf Recipes
Looking for meatloaf recipes? Find meatloaf recipes including turkey meatloaf recipes, italian lasagna recipes, and more recipes for meatloaf.
Recipe Spotlight
Our kitchen staff gives Italian flair to this lightened-up meat loaf by mixing in tangy sun-dried tomatoes. The recipe yields a large loaf, so save the extras for sandwiches! —Taste of Home Test KitchenGet Recipe

subset: commoncrawl


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NAMI Central Iowa will be hosting an open house at the Mental Health Wellness Center, 416 Douglas Ave., Suite 205, Ames, on Tuesday, Sept. 17, from 4:30-6 p.m. The public is invited to attend, see our new space and hear about the whole-health programs the center offers for individuals living with mental illness. For more information, call 515-292-9400.
Choose the plan that's right for you. Digital access or digital and print delivery.


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93 Pages Posted: 16 Mar 2010 Last revised: 31 May 2013
Date Written: 2008
Over the past fifty years, proportionality balancing – an analytical procedure akin to strict scrutiny in the United States – has become a dominant technique of rights adjudication in the world. From German origins, proportionality analysis spread across Europe, into Commonwealth systems (Canada, New Zealand, South Africa), and Israel; it has also migrated to treaty-based regimes, including the European Union, the European Convention on Human Rights, and the World Trade Organization. Part II proposes a theory of why judges are attracted to the procedure, an account that blends strategic and normative elements. Parts III and IV provide a genealogy of proportionality, trace its global diffusion, and evaluate its impact on law and politics in a variety of settings, both national and supranational. In the conclusion, we discuss our major finding, namely, that proportionality constitutes a doctrinal underpinning for the expansion of judicial power globally. Although there is significant variation in how it is used, judges who adopt proportionality position themselves to exercise dominance over policymaking and constitutional development.
Keywords: constitutional law, balancing, rights, comparative law, proportionality, judging, EU, ECHR, WTO
Suggested Citation: Suggested Citation
Stone Sweet, Alec and Mathews, Jud, Proportionality Balancing and Global Constitutionalism (2008). Columbia Journal of Transnational Law, Vol. 47, pp. 68-149, 2008. Available at SSRN: https://ssrn.com/abstract=1569344
Constitutionalism: A Skeptical View
Neofunctionalism and Supranational Governance
By Alec Stone Sweet and Wayne Sandholtz
The Evolution and Ideology of Global Constitutionalism
By David Law and Mila Versteeg
A Cosmopolitan Legal Order: Constitutional Pluralism and Rights Adjudication in Europe
A Functional Approach to Global Constitutionalism
By Jeffrey Dunoff and Joel Trachtman
Constitutionalism, Legal Pluralism, and International Regimes
All Things in Proportion? American Rights Doctrine and the Problem of Balancing
By Jud Mathews and Alec Stone Sweet
Proportionality and the Culture of Justification
By Moshe Cohen-eliya and Iddo Porat
Proportionality, Balancing, and the Cult of Constitutional Rights Scholarship


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Below you will find the obituary for Isham Hopkins Stephenson, born 1834 in Alabama and died 1918 in Coleman County, Texas. I must admit that I had never heard of Isham until he popped up on my radar when I had my DNA tested through ancestry.com. Since that time, I've learned quite a bit about him, even found him in Comanche County (where he was a Methodist minister) from 1887 to 1908, but I simply cannot make the connection.
Isham H. Stephenson married Nancy Henson in 1861 in Robertson County, Texas. She was born in Blount County, Alabama the daughter of William Miner Henson and Mary Lexy Green. I feel sure that it is through this Green connection that my DNA comes to match with that of Isham's family, but I am not sure yet.
Margaret Stephenson married Charles Fenwick in Comanche in 1902.
Alice Stephenson married Henry Jasper Bingham in Comanche in 1896.
Martha Ada Mae Stephenson married Amos Lafayette Thornton in Comanche in 1890.
Mary Elizabeth "Mollie" Stephenson married John Wesley Horton in Comanche in 1888.
John Parker Stephenson married Mary Francis "Fannie" Vaughn (Vaughan) in Comanche in 1889.
If you have any info at all to add, please contact email@example.com. Thanks!


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Life, health, happiness, yoga, style, travel, sunshine and endless possibilities…
Last week I went to the launch of the Marylebone bag family by Aspinal of London at The Marylebone Hotel. The London Fashion Week event also included an appearance by fashion blogger La Petite Anglaise and GLAMOUR magazine UK's Executive Fashion Director, Claudia Mahoney discussing the dos and don'ts of street style.
The new family of bags is beautiful! Straight from their SS14 collection, The Marylebone Tote is the definitive cross-seasonal wardrobe classic. Handmade from the finest Italian calf leather in a myriad of signature finishes, the capacious main compartment is kept secure with a full length zip, lined in beautiful grosgrain silk, fitted with a luxurious padded iPad pocket and two pockets for your mobile phone. The Marylebone Tote is the perfect combination of style, fashion and practicality
Furthermore, Aspinal of London have also introduced the Marylebone Tech Tote in which innovation meets glamour. The Marylebone Tech is the first luxury IT tote to feature a juice pack and cable paths so you can charge your phone and tablet on the go! This is the perfect choice for those who need a bag which sees them through the day, in the evening and on the weekends!
After the launch, I was kindly presented with a gorgeous Aspinal of London purse and a Nails Inc. nail polish.


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My second full day in Germany brought "Hamburger Schietwetter" to a whole new level. It went from being a sunny warm day with a light breeze at the beach to a quintessential German morning: cold and cloudy with intermittent periods of downpour. But the crappy weather did not stop Hamburg natives from traveling out to the Sunday morning Fischmarkt!
Every Sunday from 5:30am to 9:30am along the harbor, Hamburg holds the Fishmarkt, an outdoor market that takes the tradition of old bartering and haggling and combines it with theatrical street vendors to create practical shopping for locals and tourists. Citizens of Hamburg visit the market to buy their weekly necessities such as fresh fish, meats, produce, sweets, souvenirs and even livestock.
Jan and I woke up at an absurd hour of the morning and caught the train into Hamburg Altona. Of course the only time Jan and I didn't have our rain jackets, boots, or umbrellas it decides to rain as soon as we entered the Fishmarkt. To avoid the cold and rain we scurried underneath a canopy and watched the market goers while waiting for the weather to break.
For the most part, the Fischmarkt was comprised of normal civilians purchasing the upcoming weeks' groceries. But a significant portion were clubers who, after spending their Saturday night on the Reepherbahn, were still dressed in their attire from the evening before. Fresh out of the clubs and a little bit drunk they were on the hunt for breakfast. On this particular morning, it was quite humorous to watch the girls in their mini dresses and the guys in their tight jeans screeching and dodging rain drops.
|Clubers caught in the rain
Despite the rain, we were determined to explore all that the Fischmarkt had to offer. Lucky for us, the Fischmarkt sells everything imaginable so I snagged a jacket and Jan bought us an umbrella and we dit-darted through the crowd.
One of the most entertaining spectacles of the day were the street vendors. They came with trucks that opened up on the side, functioning as a stage where bystanders could stand below and watch the show. The salesmen would stand above the crowd yelling in German about their product and sometimes a spectator would yell back and the process of haggling and bartering street commerce would commence. In the instance of the Milka truck, the spokesmen would throw bars of chocolate into the crowd. What an effective marketing!
|Random items include 3 cats on a T-shirt
My favorite vendor of all was the fishmonger, who would swing an eel around his head before slapping it into parchment paper. The dramatic sound of the eel slapping the paper and his unique German would draw a crowd around his truck. His method of yelling to the crowd brought spectators back to how the market was conducted in the 18th century, when it first began. Back in those days, it was next to impossible to preserve foods, so it was important to sell fish even on Sundays. I'm sure to get rid of their entire inventory, fishmongers (like our present day a-fish-ianato) tried many public stunts to grab the attention of potential buyers. I mean – it was the days before advertising.
Nowadays, it's not so much about the preservation of food that keeps the Fischmarkt alive, but more about the preservation of a 300-year-old tradition. The Hamburg Fischmarkt is an experience that is both entertaining to locals and tourists as much as it is a way of life.


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VETERINARY MEDICINE: Animal health=human health=one world=one health. Bringing animal health issues to your doorsteps.
Monday, June 12, 2017
Weight-related deaths can affect non-obese too.
Weight-related deaths can affect non-obese too. A new global study suggests you dont you don't have to be diagnosed as obese to be at risk of dying from illnesses related to excess weight. The study found more than 2 billion children and adults suffered from health problems linked to being overweight,as the 4 million deaths attributed to being overweight in 2015, nearly 40% were not considered clinically obese. The common diseases are include type 2 diabetes, heart disease and some cancers ,although an increasing percentage had a body mass index (BMI) of less than 30, the threshold for obesity. The paper, published in the the New England Journal of Medicine, said the findings highlighted "a growing and disturbing global public health crisis". "People who shrug off weight gain do so at their own risk - risk of cardiovascular disease, diabetes, cancer and other life-threatening conditions," said Dr Christopher Murray, author of the study and director of the Institute of Health Metrics and Evaluation at the University of Washington. more
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|Volunteer at the Library
|Get started by visiting Volunteering FAQs and visit Become a Volunteer to see the variety of volunteering opportunities at London Public Library!
|Future Volunteer Opportunities
After submitting an application, it will take approximately 5-6 weeks to be contacted due to the high number of applications that we regularly receive.
We are accepting applications for Fall 2017 positions at this time.
Fall 2017
We are also applications for the following positions that will be starting in the fall
Winter 2018
Other Positions
If you are interested in our other positions you are welcome to apply, however we will be looking to fill our Highest Priority needs first.
|About Our Volunteer Program
The volunteer program of London Public Library was created to support the value-added services that are vital to our community. Our volunteer program helps strengthen people and neighbourhoods by creating connections that enrich lives, inspire discovery, foster creativity, and expand possibilities.
We work with over 400 volunteers annually. These individuals believe in the value of the Library and want to contribute to their community.
We look for people who are:
Throughout the year we may have other opportunities for volunteers at many of our branches. We welcome you to review our volunteer position descriptions and fill out our online application.
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Merrel shoes and sandals are designed for the outdoorsman in all of us. The Merrell Encore Bypass is a convenient, comfortable, and durable leather slip-on designed for walking through the great outdoors. These shoes feature a combination mesh and leather upper, advanced arch support, air cushion shock technology and odor resistant lining. The Encore Bypass will keep your feet fresh and comfortable, whether you are going on a weekend hike or relaxing at a backyard barbecue.
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To incorporate elements of the earlier folly work into the building design, I created a facade using similar techniques of exporting a model from fractal modelling software, and then manipulating this model to create facade louvres.
The above precedent inspired me to turn the fractal model into louvres that would create an undulating effect across the facade, allowing different amounts of light in to the spaces where necessary.
2. Splitting the model into contours. At this stage the model file required a lot of cleaning up to remove pieces that were unattached to the whole.
3. After cleaning up the file, the model was ready to be split into smaller elements to create louvres.
4. The final louvre design was then placed onto the building facade.
I returned to the folly design in order to further develop the final images. Using new techniques learnt, I was able to portray the ideas of fractals, scale and the combination with the Old Royal Naval College more successfully, and was very satisfied with the final effect, which I feel has a more subtle and delicate quality.
Main uses:
Fractals in nature include clouds, mountains, coastlines, ferns, lightning.
However, when it comes to technology, some people feel that fractals are 'a solution waiting for a problem'.
Another area I am interested in looking into for the project is nano-technology. The fun palace could be a celebration of such technology, with educational and exhibiton centres, or even a research lab.
One area of interest was molecular machines. Jean-Pierre Sauvage, Sir J. Fraser Stoddart and Bernard L. Feringa jointly won the Nobel prize in chemistry 2016 for their research into the design and synthesis of such machines.
Molecular machines are 'molecules with controllable movements which can perform a task when energy is added'. In 1983 Sauvage linked two ring shaped molecules together to make a chain, changing the covalent bonds of the molecules to a mechanical bond. The next breakthrough was in 1991, when Stoddart was able to show that a molecular ring could be threaded onto an axel and moved along it. In 1999 Feringa was able to develop a molecular motor, which could rotate a glass cylinder 10,000 times bigger than itself.
With further development, molecular machines could be used for new materials, sensors or energy storage systems. As noted by the Nobel committee, 'the development of computing demonstrates how the miniaturisation of technology can lead to a revolution'. The fun palace could be used to educate the public and increase support for further development of such technologies.
Initial Fun Palace discussions:
The fun palace should show a belief in advanced technology, as well as architecture as fun. We will be using the RIBA Polyark brief as a starting point, and modifying it to create a self-defined programme.
The programme of the fun palace should draw on the folly. For my project this could mean looking at fractal systems and how they are applied (eg. in the brain, in technology or in urban systems). A fractal methodology could also be used for the cladding or structure. I will be looking at creating simplified components that could be used for developing the fractal aspect of the design.


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On the 11th May, we had our VCDX brownbag on Rapid provisioning. now those of you who checked in will know we has some technical issues with the lab, and I had issues with my Microphone, my Skype is playing up, but ,my issues are not pertinent to this discussion so without further ado, lets …
Tag Archive: VCDX
May 10
VCDX Brownbag #6 – Rapid Provisioning
In this iteration of the bi-weekly VCDX brown-bag, Cody and I will be dealing with ESX Rapid provisioning,or to be precise objective 8 from the Enterprise Admin Blueprint. We are hoping to build a kickstart script, don't worry we will explain each section and the commands that make the up. Finally we will run a …
May 04
Brownbag VCDX #5 – Open Topic
After a couple of teething issues regarding copyright over the VCDX questions, Cody and I are pleased to be able to post the video of VCDX Brownbag #5. this was quite a lively session as the interaction caused by the Q & A section was entertaining. ProfessionalVMware VCDX Brown Bag #5 from ProfessionalVMware on Vimeo. …
Apr 11
Bi-Weekly Brownbag – VCDX 13th April
This bi-weekly's brownbag hosted by Cody Bunch and myself is to cover DRS Clusters & Performance Monitoring, and hopefully we will have some fun while we're at it. As usual the necessary details are as follows: Date/Time: Tuesday, April 13, 2010 @ 2PM CST (8pm BST 9pm CET) Registration: Here! Bring any questions you may …
Feb 14
VCDX – Revision Burst Part1
As you may be aware , Cody Bunch and myself have joined forces to create a Brown Bag series for the VCDX exams, the first session concentrated on vNetworking via the Command line – now remember that the current Advanced Admin exam is based on VI3 so no vNDS. below are the commands that we investigated on the first Brown Bag session.
Feb 11
VCDX Brown Bag
For those of you wondering as to when the second installment of the VCDX Brownbag series is, all I can say Cody and I have not forgotten you 😀 The seas of change surround us regarding the presentation of BrownBag so please be patient and await a signficant anouncement, our adventure with DimDim did not …
Feb 04
The First Brown Bag VCDX Session is locked and loaded
Following up on the interest from our last post, Cody Bunch and I will be running the first of what should become a series of VCDX Enterprise Admin Brown Bag sessions. The topic this week will be the CLI. So all the good things like the ESXCFG c0mmands and useful Linux commands etc will be …
Oct 22
Sitting at the feet of the master
What is out lined below is the sage advice in the form of tweets from of one of the senior members of the VCDX defence panel


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Economic nationalists prefer the exercise of US power to co-operation
Daily Archive: March 13, 2017
EM investors shrug off threat of US rate rises
Lure of higher yields leads some to ignore danger of further Fed tightening
The 11 Best Short Term Investments For Your Money
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I have $65,000 that I need to invest but I want to make more than the bank is offering. Where can get a high return on a short-term investment with limited risk?
This exact question was asked of me just the other day.
You would be surprised how often I get asked something similar. It has definitely been more times than I can count!
We're in an eventful time where the stock market is behaving like a schizophrenic and interest rates are at record lows – again. (I've refinanced my house twice!)
Low mortgage rates are great, but how do you actually make money in the short-term?
In such an unstable market, short term investing may be a safer alternative for investors. Short-term investing allows investors to invest their money, whether that be investing 10,000 or investing 100,000, with little or no risk, while knowing their money is not going to be tied up for long periods of time.
The typical short-term investment is expected to grow for several months, or a few years, and can be turned into cash or other short term investments when they reach maturity. (In the investing world, "long term" investments are really long term — often decades — which leaves room for short-term investments that can still last several years.)
Peer to Peer Lending
Peer-to-peer lending websites allow investors to broaden their investment portfolio by spreading out the investments and reducing their risk. These websites work as tools to connect investors to qualified consumers in need of a loan and allow investors to become the bank, providing a small percentage of multiple borrowers' loans. Investors purchase notes and receive a monthly income in the form of loan repayment and interest. In the end, this can easily be a win-win for everyone involved.
1. Lending Club
Lending Club sets the interest rate on notes based on specific credit criteria. And since they only accept desirable borrowers, they dramatically reduce the risk for default and potential losses for the lenders. Lenders may start out small and increase the amount of money they are willing to lend as their confidence in the company grows. Lending Club offers loans from a few hundred dollars to over $10,000; how much you should invest depends on the level of risk you're comfortable with as well as your investment timeline.
Here's a video that walk you through the Lending Club investment process. You can also see my review post on Lending Club.
2. Cash Back Rewards Offers
Although investing $65,000 has little to do with credit card rewards, we wanted to include this tip from our resident credit card expert, Holly Johnson. If you really want to earn some easy money in the short-term, Johnson says "credit card rewards can offer epic returns with almost no effort on your part."
While pursuing rewards may not automatically come to mind when you think of short-term investments, the signup bonuses credit cards offer can actually be extremely lucrative. However, your "earnings" will be based on your spending instead of the dollars you invest.
Here's how it works: Let's say you signed up for the Chase Sapphire Preferred® card in order to score the huge signup bonus. The current offer will award you with 50,000 points worth $500 after you spend $4,000 on the card with 90 days. And since the $95 annual fee is waived the first year, you can earn this bonus without paying anything out of-pocket to do so. Are you with me so far?
To make the most of an offer like this one, you'll want to meet the minimum spending requirement with stuff you were going to buy anyway. Think groceries, gas, and your regularly monthly bills. Then you'll simply pay off your card right away to avoid credit card interest. It's as simple as that.
The thing is, there are so many ways you can spend 50,000 Chase Ultimate Rewards points. For example, you could book $625 in travel through the Chase travel portal – that's more than enough for a round-trip flight! Conversely, you could turn in those same 50,000 points for a $500 statement credit or $500 in gift cards.
Read about cards that offer up to 6 percent cash back at Card Ratings.
Short-Term Investment Account Options
Here's what you need to know about the various short-term investment accounts available to you:
3. A Roth IRA
I know what you're thinking, "Jeff, the Roth IRA is NOT an investment." Trust me, I totally get it. But let me explain why one of my favorite retirement accounts also can work as a short term investing account. With all other types of retirement accounts – from 401ks to Traditional IRAs – you get hit with an early withdrawal penalty and income tax if you withdraw funds before retirement.
The Roth IRA is different. Since you fund your Roth with after-tax income, you are free to withdraw any contributions (not earnings on those contributions) at any time you want. It isn't recommended because you would much rather the money stay invested, but it does give you the option to set money aside for retirement now but withdraw it if times got tough. I have seen far too many people not save enough for retirement, and pay heavily for it in their later years, which is why I came up with some great ways to save money for your reference! Funding your Roth IRA allows to get a huge head start on this. In using this account for short term investing you'll get:
The ability to withdraw funds. Transfers take a few days and you may have to sell investments at inopportune times in order to cash out. However, the fact that you can take your actual contributions out without a penalty does stand out as a huge benefit.
Potentially higher rates of return. With a Roth IRA, you get access to other types of investments like mutual funds, ETFs, and bonds to earn a higher rate of return. If the market does well while dollars are invested, you can secure healthy returns and profit from your investment.
In using this account for short term investing you'll miss out on:
Risk-free returns. When you invest your money into stocks, bonds, mutual funds, and ETFs you are accepting risk for a potentially higher return.
FDIC coverage. If your brokerage fails you will be able to file a claim with SIPC coverage, but it won't cover investment losses — just losses from the failure of your broker. (That's why it is so important to find a great place to open your Roth IRA.)
Just remember, if you think you need you're money in the short-term, avoid the stock market for now. If you realize that part of the money can now go towards retirement, then you can shift it over. Think opening a Roth IRA is complicated? We've told you the best places to open a Roth IRA in the past. Brokerage firms like Scottrade and E*Trade are great and also have lots of options to choose from.
In summary, a Roth IRA can provide a solution for individuals who crave the potential for higher returns but want the ability to withdraw their contributions if the really needed to.
Definitely check out our reviews we have for your reference on great investing options:
Motif Investing Review
E*Trade Review
TradeKing Reviw
OptionsHouse Review
4. Online Savings Accounts
Want to guarantee your investment will not lose any money while at the same time generating a little bit of a return? The online high yield savings accounts are a great fit for that goal.
In using this account for short term, investing you'll get:
Guarantee to never lose principal on your investment as long as you keep your total deposit at the bank below FDIC coverage of $250,000. Deposit your money and walk away knowing that it will be there when you're ready to cash out.
A small, risk-free return on your investment. Current interest rates are very low, and those low returns mean you won't earn a lot of interest for the time being. For now, it won't be enough to keep up with inflation. However, online savings accounts do offer a risk-free return you will never have to lose sleep over.
High liquidity. Most of the high quality online banks allow 6 withdrawals per month from savings accounts. In other words, you can generally cash out your funds at any time without much hassle or expense involved. Meanwhile, you won't have to worry about forking over part of your profits to sell your investment since it is safely tucked away in a low-risk savings account.
In using this account for short term investing you'll miss out on:
Potential higher returns from other types of investments. Since online savings accounts aren't offering the best interest rates right now, you could potentially do better by putting your money elsewhere. However, that would require more risk, too, which is something you'll want to avoid when it comes to short-term investing.
Not sure where to start? The best online savings accounts are available at online banks like Discover Bank.
5. Money Market Account
Money Markets are currently paying a very close APY to one year CD's. Investors familiar with the discipline of owning a CD can earn a similar return with a Money Market and still have immediate access to their funds.
Money Market accounts provide depositors with ATM cards, checks and deposit slips. Money Market accounts are based on the account balance, not the length of time you invest your money. When CD rates begin to rise, clients can move their money from the Money Market without paying a penalty for early withdrawal.
All of these factors combined are why many people consider money market accounts as a type of "savings account on steroids." While there isn't much risk involved, you can potentially secure a higher rate of return.
Looking for an online bank that does Money Market Accounts? EverBank is offering some of the best rates.
6. Certificate of Deposits (CD's)
Banks offer a variety of terms for their deposit accounts, ranging from 3 months to 5 years. Which length of CD will work best for you depends on your timeline and how long you want your investment out of your hands. CD's allow depositors to invest their cash for a specific length of time. The longer the term of investment, the higher the yield will be. A client wishing to receive monthly interest payments can elect to do so at the time of application. However, most individuals who buy CDs let the interest accrue until the CD matures.
The only downside to a Certificate of Deposit is the fact that, if you need to pull money out before the maturity date, you will pay a fee. The fee is usually equivalent to 3 months worth of interest, and that can take a huge bite out of your earnings. You can get the highest interest rates for Certificates of Deposit at online banks like Compass Bank and Discover Bank.
7. Online Checking Accounts
Just like online savings accounts, an online checking account can also serve short-term investment needs. You get many of the benefits of an online savings account with even more liquidity because the number of withdrawals isn't limited. Since you would be storing your money in a checking account rather than a savings account, you do take a hit on the interest rate. Unfortunately (or fortunately!) interest rates are so low that the difference isn't as significant as it could be. In using this account for short-term investing you'll get:
A guarantee to never lose principal on your investment as long as you keep your total deposit at the bank below FDIC coverage of $250,000.
A small, risk-free return on your investment. Current online checking interest rates are very low. You probably won't earn enough to keep up with inflation, but it is a risk-free return.
Extremely high liquidity. You get unlimited withdrawals via transfer, debit card, or ATM use with online checking accounts. Get your money out at any time without paying a fee as long as you use a no-fee ATM.
A hassle-free investment – Even though you don't earn a lot of interest with this strategy, you won't have to endure much of a hassle, either. Opening an online checking account is a fairly painless process that won't stress you out or take up too much of your time.
In using this account for short-term investing you'll miss out on:
Potential higher returns from other types of investments, including savings accounts if you don't need daily access to the money. When you park your money in a checking account, you miss out on higher returns elsewhere.
Looking for an online checking account? The best online checking accounts for interest rates are currently available from EverBank and BBVA.
Short-Term Investment Options
Here are some investments you could use with the above accounts.
8. Short-Term Bond Funds and ETFs
Short-term bond funds are products that are usually only managed by a professional financial advisor. Bonds are not as stable as money markets, but they do offer the potential to earn a higher yield. These bonds are a product of the market and will pay out according to the market's current condition in fluctuating monthly payments. Short-term bonds usually mature in terms within 2 years or less, which can make them an ideal choice for investors with that type of timeline. You'll need a brokerage account like Betterment, Scottrade or E*Trade to be able to trade bond funds and ETFs.
Short-Term BondsThere are three main short-term investments within the bond category, and each is one you could consider.
9. 5-Year Treasury Inflation Protected Securities
Treasury Inflation Protected Securities, also known as TIPS, are government bonds that are indexed to inflation. The interest rate on a TIPS is fixed, but the underlying value of the security rises with inflation as measured through the Consumer Price Index.
You might only get 0.5% in interest (paid semiannually), but over 5 years the value of the bond might increase 2.5% per year. The end result is, at the end of the term, your initial investment will be worth as much as it was when you first invested. However, you will earn a small bit of interest on top of it.
You can buy TIPS directly from the government at TreasuryDirect.gov. However, due to TIPS interest being taxable, most investors prefer to invest in a TIPS ETF or mutual fund. To purchase shares of an ETF or mutual fund you will need a brokerage account. Again, Scottrade or E*Trade are good places to start if you want to open a new brokerage account.
10. Municipal Bonds and Corporate Bonds
Municipal bonds are slightly more risky than TIPS and other Treasury investments, yet a majority of municipalities do not default on their bonds. The more significant risk is "interest rate risk." In a low interest rate environment, if rates rise in the marketplace, the value of the bond decreases to compensate.
If you could get 4% on a municipal bond today, that's a great return. But if rates go up and your bond loses 6% of its value, you're suddenly on the losing side of the equation. However, the decrease in the value of the bond only impacts you if you sell before maturity. If you hold the bond to maturity you will get 100% of your initial investment back plus the interest yielded to you.
If you're looking for short-term investments, you could buy a bond from someone else that was closer to maturity through a major brokerage firm.
Likewise, corporate bonds are even more risky than municipals and Treasury bonds because they are not backed by a state, local, or Federal government. As always, increased risk can mean an increase in your rate of return. The same interest rate risk issue applies to corporate bonds; holding to maturity will eliminate this one piece of risk.
Where to Buy Individual Bonds?
You'll need a brokerage account like Scottrade or E*Trade to be able to trade individual bonds, bond mutual funds, and bond ETFs.
11. Pay Off High Interest Debt
Looking for a great return on your investment? Pay off your high interest debt. If you have a credit card with a 15% interest rate carrying a $10,000 balance you have an opportunity for a great return on your investment. If you pay off that debt it is like getting a 15% return on $10,000.
There are few investments that will earn the high returns of paying off debt. Not only are you getting a great return on investment, you're saving money from future costs and bettering your overall financial situation. It's the ultimate win-win.
You can pay off high interest debt on your own. However, financial tools like Mint can help you manage your finances so you can see what kind of an impact your debt payoff is having.
Even better, you can transfer your high interest balance to a 0% APR balance transfer card to speed up the process. With these offers, you literally transfer your balance from one card to the next in order to score 0% APR for anywhere from 12-21 months. If you're paying a lot of interest right now, going through with a balance transfer can improve your finances and get you out of debt that much faster.
Bonus Idea – Prosper
Prosper does not set a specific interest rate for borrowers. Instead, the website connects borrowers and lenders through online auction-style bidding. This set-up allows lenders to be more in control of their monthly income since they only accept interest rates they are comfortable with.
Borrowers list their loan and the highest amount of interest they are willing to pay. After that, lenders bid the interest rate down based on the lowest amount of interest they are willing to accept. This feature provides the stability of a predictable, high yield income on the notes.
If you need more info, check out our review post on investing with Prosper.
Have high interest debt? Consider these two offers:
Chase Slate® – The Chase Slate®card offers the best deal for balance transfers on the market. Not only do you get 15 months at 0% APR, but you can transfer balances with no balance transfer fees for the first 60 days. If you're paying high interest rates on existing debts, consider how much money you could save if you paid no interest for 15 months, it's like getting free money. You might even be able to use those 15 months to get out of debt for good! Read here to learn more about the Chase Slate® card.
Discover it® – The Discover it® card gives you 18 months with 0% APR. That's well over a year to pay down your high interest debts without paying interest at all. If you're struggling to pay down high interest debts, you could save tons of money by transferring your balance and creating a plan to become debt-free once and for all. Read here for more details about the Discover it® card.
The Bottom Line
If you're looking for a place to sock away some cash for the short-term, don't be afraid to think outside of the box. Thanks to the constant evolution of the world wide web, you shouldn't have trouble investing your funds in any number of innovative online platforms.
As I shared above, however, short-term investing is much different than investing for the long haul. When you need to invest your money for only several weeks or months, you don't want to pour cash into investments that aren't easy to liquidate, charge fees for withdrawals, or are too risky for the short-term.
How do you invest your dollars for the short-term? Have you ever used one of the strategies listed above?
The post The 11 Best Short Term Investments For Your Money appeared first on Good Financial Cents.
Trump Adviser on Mideast Visits Region for Meetings With Netanyahu and Abbas
The visit by Jason D. Greenblatt appeared to be part of an early effort to break the impasse in the Israeli-Palestinian conflict.
100 Ways to Make $100 Fast
Advertising Disclosure
Become an Uber driver*
Open a new checking account with a bonus
Inbox Dollars
Online surveys
Sign up for a rewards credit card with a signup bonus
Sell things (13 ideas)
Quick cash on the job (5 ideas)
Side hustles (28 ideas)
Micro-projects (17 ideas)
Use your house (4 ideas)
Use your unique talents (22 ideas)
Medical (2 ideas)
Break spending habits (4 ideas)
Free cash rocks!
Walking through a parking lot one time I stumbled upon a $20 bill. Before I snatched it up I looked up around, almost waiting for the hidden camera crew to jump out from the bushes to yell "Gotcha!". They didn't and I was $20 richer. Score!
That is the only time that I've ever came across some quick cash.
But everyone needs some cash in a hurry from time-to-time. Knowing that, I thought it would be fun to put together a post that outlined 100 ways you can make $100 fast. Out of the 100, you should find at least a few that you can do any time you need extra cash.
Bookmark this page so you can refer to it anytime you need money!
1. Become an Uber Driver
This is #1 for a reason!Got some free time and live in a reasonably populated area? Then becoming an Uber Driver can be a very lucrative part-time side hustle. Uber drivers make anywhere from $13-$20 per hour. This means you could hit the $100 mark in as little as five hours per week.
The best thing about Uber is that the schedule is completely up to you. I have seen stay at home mom's pick up Uber gigs for a few hours a day in the middle of the day while the kids are in school.
2. Open a new checking account with a bonus
Chase offers $200 bonus when you open a new Chase Total Checking® account. In order to get the bonus you have to set up direct deposit. Other than that, you are good to go.
This is the best offer we have found for signing up for a new checking account and, since Chase is not just an online bank, you also have access to their services in over 5,000 locations across the country.
3. Inbox Dollars
You can earn free cash by changing your search engine to InboxDollars. You'll even get a free $5 bonus when you sign up (just name and email address)! This will take a bit longer to get you to $100, but it's still easy money by using their search engine, watching videos (seriously), printing coupons and a variety of other things.
4. SwagBucks
Similar to Inbox Dollars in that you can get free cash by swapping your search engine. SwagBucks also pays you for the shopping you already do online as well as a bunch of other everyday online activities. You can get $5 for signing up here.
5. Online Surveys
Online websites like MySurvey will pay you for your opinion. The average survey will pay between $0.50 and $1.25 and there are new surveys available each day. If you qualify, you can even get surveys over $5 each. Many of the surveys take less than 5 minutes to complete.
Some may have you scan products that you purchase. You can learn more in our review of online survey sites. Here are a few other reputable ones that payout:
Global Test Market
Harris Poll Online
Survey Rewardz
Vindale Research
6. Sign up for a rewards credit card with a sweet signup bonus
Some cards offer a "bonus" of $100 or more if you can meet a minimum spending requirement within the first three months. As long as you pay your balance in full each month, this is truly free money for the taking! Here are the top offers for 2016:
Chase Freedom Unlimited℠ – The Chase Freedom Unlimited℠ is a new Chase card that is taking the rewards world by storm! By signing up, you'll earn a $150 signup bonus after you spend just $500 within 90 days. Plus, you'll earn a flat 1.5% back for every dollar you spend on any type of purchase. Best of all, this card doesn't charge an annual fee, either.
Chase Sapphire Preferred® Card – Want an even bigger bonus? Consider the Chase Sapphire Preferred® Card instead. With this card, you'll earn an amazing 50,000 points after you spend just $4,000 on your card within 90 days. If you turn in those points for cash, they are worth $500! Obviously, you'll want to pay your balance in full to avoid interest. As long as you meet the minimum spending requirement, this $500 is yours to spend. Plus, this card comes with no annual fee.
Best Cashback Credit Cards of 2016 – If neither of those offers sound ideal, you can also check out our post on the best cash back offers currently available.
One man's trash is another man's treasure
One of the best and easiest ways to make money fast is by selling what you have – or that you can acquire on the cheap. It also has a secondary benefit in that it keeps the clutter in your life to a minimum.
7. Sell your used cell phones, iPad or Mac
Your used electronic equipment may have value, particularly if it's recent and in good condition. Check out Gazelle.com. They give you an estimate on your equipment, and the better stuff could fetch some real money.
8. Resell unused gift cards
Check your wallet and your dresser – you probably have unused gift cards. Some may even be to merchants you don't frequent. If that's the case, get some cash back on them by selling them on CardPool. You won't get the full value of the cards, but it's better than having them sit unused.
9. Sell your stuff to a pawn shop
You won't get retail price for your merchandise, but it offers a quick sale for cash.
10. Selling your junk
Have a garage sale – We average about $150 per garage sale so you can earn some decent cash without even leaving your house.
Sell on Craigslist – What you can't sell at your garage sale, you may be able to sell on Craigslist. This is especially good for selling large items.
11. Sell other people's stuff on Craigslist or eBay
This is taking selling on Craigslist and eBay to a higher level. You're not just selling your own stuff, you're getting more stuff to sell from friends and neighbors. Give them a cut of the take and you'll have plenty to sell forever.
12. Amazon
Similar to eBay, Amazon.com may work better for entertainment media, such as books, music and movies.
13. Flea markets and swap meets
This is the garages sale concept taken on the road to a place where there are a lot more potential customers.
14. Consignment shops
There are different items you can sell on consignment, but it tends to work best for furniture and clothing.
15. Collect and sell scrap metal
If you have a light pick-up truck or just a good trailer, you can collect scrap metal from neighborhoods, building sites and junkyards, then sell it to scrap metal dealers. Check out scrap metal prices, then do a Google search on "where can I sell scrap metal in (my town)".
16. Gold jewelry and silverware
Take your gold jewelry and silverware to gold dealers or jewelers and you'll likely fetch a better price than going to the "we buy gold" storefronts populating strip malls.
17. Musical instruments
There's a brisk market for used musical instruments (check out the prices for brand new ones and you'll immediately see why). You can sell them on Craigslist for top dollar, but if you want quick cash, offer to sell them to music stores.
18. Sell homemade crafts
If you can make handicrafts, Etsy could be the place to sell them. If making crafts is an ongoing hobby, you could have an ongoing cash source from the site.
19. Return old purchases or gifts
If you've received gifts you really don't want – and they're still in the packages – try returning them. Some retailers will take them back up to a year later.
Quick cash on the job
Your job is one of the best and most convenient places to make some extra cash. You may have to think a little bit out of the box, so try these on for starters.
20. Volunteer for overtime
Most of us shrink away from overtime because of the extra hours. But if you need money, let your supervisor know that you're available to work.
21. Contract for an ugly job at work
As an alternative to working overtime, you can offer to contract for jobs at work that nobody else wants. Offer to work on the jobs for a flat fee that will be paid outside your regular paycheck.
22. Employee referral program
If your employer offers a bonus to refer new employees to them, take advantage of it and start referring. It'll be the easiest money you'll ever make.
23. Customer referral program
Likewise, see if your employer might also have a customer referral program. If they do, put on your salesman's hat and start beating the bushes for potential customers.
24. Make a killer suggestion
Many employers have a suggestion box, but most employees ignore it. If the company pays a bonus for workable suggestions, get busy. You may get the bonus because no one else participates.
Ways to make money fast off the job
You can often make some quick cash doing jobs that require no special skills, just a desire to do them. And you can find them all around you. These are also great ways for teens to make some quick cash.
25. Baby sitting
Where I live babysitters earn $10 an hour. Pull a couple of five hour gigs this weekend, and you'll have $100.
BONUS! See how I am making 10.9% return on my best short term investments using LendingClub. Peer-to-Peer lending has been great for people looking to borrow money to start a business or pay off high interest debt, but I have been doing extremely well with lending.
26. Pet sitting
The nice part of this type of sitting is that you don't have to stay with the pet for hours. Usually, you're just looking in on it every couple of hours, then walking it and feeding it as necessary. Because of that you can maintain several pet sitting jobs simultaneously.
27. House sitting
People who travel frequently, especially on a long-term basis; may need someone to watch their homes for a fee. You can check local newspapers and Craigslist for opportunities. If you'd like to use a central site, MindAHome.com can provide an online source of clients.
28. Temporary part time jobs
You can get a seasonal part-time job based on summer, back-to-school, any of the major holidays or even during snow season. A couple of weeks of part-time work can easily get you $100 and a whole lot more.
29. Become a referral source for a sales person or company
If you know any real estate agents, insurance agents, car dealers or just about any one who sells for a living, ask about being a compensated referral source for them. A $100 referral isn't hard to get.
30. Sell photos on Shutterstock
Shutterstock.com is a giant site that allows you to post and sell your photos online for a fee. Functioning something like eBay for photos, it's a central place to sell your photos.
31. Turn your photography skills to cash
If you've checked photographers prices lately you know they can be prohibitive. If you're good at photography, you might be able to photograph a special event or two for at least $100.
32. Become an instructor at a local gym
If you think that the only people who work in gyms are personal trainers, guess again. If you know yoga, zumba, jazzercise, cycling or just about any other activity that keeps people moving, there may be a teaching position waiting for you at the gym.
33. Write product review articles for blogs
If you're a tech junkie and buy a lot of new products, you may be able to do paid reviews on blogs. Blogs often have affiliate arrangements with tech products and will pay for user reviews.
34. Bartend for an event or a weekend
If you can bartend you can pick up a quick hundred (or more) working a couple of weekend parties or even a wedding.
35. Join a focus group
Universities, marketing groups and research organizations will often pay participants in focus groups. Check with schools in your area as well as Craigslist to see what's happening.
36. Be a session musician
If you can play guitar, drums, keyboards and even some wind and string instruments' you may be able to get work as a session musician in a band or orchestra. In some cases you can make well over $100 for just a single session.
37. Become a moving billboard
If you don't mind having a large commercial sign on your car – or having it "wrapped" in ad material, you can earn up to $400 per month with FreeCarMedia.com.
38. Moving furniture
Some people are making local moves without the benefit of a professional moving company. If you don't mind (really) hard work, you may be able to pick up $100 or more this weekend. Check the ads on Craigslist.
39. Cutting lawns
Even people who cut their own lawns get in a jam from time to time and need someone to pinch hit for them. They could be going on vacation or dealing with an illness or injury. Two or three cuts could get you to $100 in no time.
40. Painting
Do you know anyone who needs a room or two painted? If you're handy when it comes to painting, offer to do it for them for $100 per room – plus paint.
41. Spring or fall clean-ups
Seasonal yard clean-ups are more involved than regular lawn cutting. It may involve weeding flower beds, trimming hedges, raking leaves and cleaning out other debris. $100 a job should be the minimum.
42. Shoveling snow
I've known kids who have made well over $50 shoveling in the local neighborhood after just a modest snowfall. Just a couple of storms will get you to $100 just from knocking on doors during the late stages of the storm.
43. Cleaning houses
Some people let the house cleaning go a bit too long, then they don't want to even attempt it. Others get a little busy and just need some help. You should be able to pick up $100 or more just from cleaning a couple of houses.
44. Wash, wax and detail cars
Some people actually like cleaning cars. Most of us hate it. If you're one who likes it, you can make some easy money working for those of us who'd rather not.
45. Cleaning gutters
If being up on a ladder doesn't scare you, you can make a quick $100 (at least) on just a single job.
46. Setting up pools for the summer
Everybody loves having a pool, except when it comes time to set it up for the summer. If you know how to do it, you can make an easy $100 on just a couple of jobs. And when fall comes and it's time to close them down, you can come back for Round Two.
47. Setting up holiday decorations
Everybody loves holiday decorations too, but not nearly everyone like putting them up – or taking them down. At Halloween and Christmas you can probably get at least $100 to put up decorations, then take them down later.
48. Taking surveys
Some companies will pay you for your opinions. Check out MySurvey.com as a place to find them. You earn points which you can redeem for cash.
49. Mystery shopper
This is one of the most popular recommendations when it comes to making extra cash, but you need a reliable source of jobs. Mystery Shopping Providers Association can be that source.
50. Participate in marketing research
Companies are always performing market research on both new and existing products and services. Sign up with a service like Concepts Consumer Research to advertise your availability.
51. Clean carpets
Have you ever cleaned your own carpets? If so, go rent a machine and clean someone else's – for cash.
52. Carpool – and be the driver
If you have coworkers (or people who work in the area you do), offer to drive them in for a fee. $25 per week per person could bring in $100 with just two riders for two weeks. Try advertising in the company newsletter, or posting the offer on bulletin boards around the office.
In general, micro-projects are small projects that pay no more than a few dollars each. You make money by doing several in a short amount of time, and there are websites available that you can do them through.
53. Gigwalk
Gigwalk involves taking photos, picking up menus and various other small assignments in your area. It works on an app that you download onto your phone. You receive the job orders, accept them and confirm that the job is complete.
54. Mechanical Turk
This is a work-at-home arrangement and it's part of Amazon.com. Mechanical Turk pays a few dollars per assignment, typically involving work such as writing product reviews, editing and related tasks.
55. TaskRabbit
Similar to Gigwalk, but you can also access the assignments online, as well as by a phone app. TaskRabbit is limited to just a few cities.
56. CloudFactory
CloudFactory participants mainly enter, collect, process or categorizes data for companies, primarily for employers based in various emerging markets.
You enter and sell your photos to commercial interests through their site. They can be sold on FOAP for $10, with 50% paid to the site.
58. PleaseBringMe
A travel barter exchange between individuals, rather than employers, with PleaseBringMe you perform tasks for pay that are unique to your home country.
59. BidOnMyGig
The service isn't available yet, but BidOnMyGig allows clients to post projects online and have qualified service providers bid on them. The qualified service provider is of course you.
60. EXEC Cleaning
As the name implies, EXEC Cleaning involves the providing the services of an executive assistant, but on a personal level. It could involve getting lunch, delivering documents or even cleaning an executives house.
61. MobileWorks
MobileWorks involves jobs as a technical virtual assistant, including online research, tagging images and creative writing, and you must speak English.
62. PinDone
Available only in California, PinDone involves tasks such as doing mail outs and driving someone to the airport. The pay seems decent for the tasks, but you do have bid on them, and reputation within the site is important.
63. WeGoLook
As you might guess from the name, WeGoLook has you working as an inspector at large. You will inspect buildings, cars or some other high value item, verify that it exists, that it works, take photos, and write any necessary reports.
64. PostMates
This service involves being a virtual go-fer. Post Mates is a delivery service where you may be asked to pick up coffee, lunch, groceries or anything the customer requests.
65. Fiverr
More technical but simple tasks that you post on the site. Fiverr pays $5 per job, and includes work such as tasks on websites and related jobs.
66. Agent Anything
Mostly for colleges students, Agent Anything can involve running errands, engaging in marketing activities or even doing temp work.
67. UserTesting.com
Roughly speaking, UserTesting.com involves doing reviews of websites, mostly rating based on user experience.
68. Zaarly.com
Similar to Gigwalk, Zaarly involves running errands in your local area for out of town clients.
69. MiNeeds
Something of a job board for people with defined skills, MiNeeds.com has you competing for jobs.
How to Make Money Using your House
You may be able to pick up $100 or more without ever leaving your house – by using your house to make money.
70. Renting out a room
If it's permissible in your community, you can rent a room to a boarder for $100 per week, or $400 per month – more if you live in a highly desirable location.
71. Renting out space
If someone needs temporary storage, consider renting out your basement or a spare bedroom.
72. Renting out your garage
You can probably rent out your garage to someone with a need to shelter a car. That should fetch at least $100 per month.
73. Renting out your driveway
If there's a major event in your area, you may be able to rent out your driveway for a night or a weekend. Keep on top of events in your area and make your driveway available for overflow parking to the facility holding the event.
Put your specific skills to work
What is it that you're particularly good at – that other people typically aren't? There may be a decent payday waiting for you if you can put it into action. These won't work for everyone, but if there's one or more that you're a pro at, go for it!
74. Tutoring
School tutors can easily make $30 an hour and up. That would get you to $100 in no time.
75. Teaching English
For millions of people, English is at best a second language. Offer out your skills to teach them a deeper understanding of the language for a fee. Even at $20 an hour, you'd get to $100 in short order.
76. Teaching music
Can you play a musical instrument? Even if you're not accomplished, you may be able to teach novices. Offer your services at local senior citizens centers as a start.
77. Refereeing
You know all those people who referee recreation sports? They're not working for free. If you're knowledgeable about one or more sports, sign up at the local recreation commission. You can make several hundred dollars in a single, short sports season refereeing young kids.
78. Teaching software packages
Lot's of people implement common software packages, but don't have a clue how to use them. If you're fluent with Word, Excel, PowerPoint or one of a number of common software packages, offer to install them and do basic training. That's easily worth $100 or more to a lot of people.
79. Setting up new computers/troubleshooting old ones
As easy as modern computers are, a lot of people are intimidated when it comes to setting them up. Some may pay you for simple tasks like setting up passwords, email service and downloading an anti-virus package.
80. Writing blog posts
Are there blogs you like to read because you have specific knowledge of the subject matter? Offer to write articles for them. You should be able to earn at least $20 per article. Write five and you'll have $100.
81. Bookkeeping
If you have bookkeeping skills, especially with QuickBooks experience, you should be able to pick up bookkeeping jobs that will get you to $100 very quickly. You can do one time jobs, or ongoing to keep the extra cash rolling in.
82. Office organization
There are some very successful people who are complete zeros when it comes to organization. Their offices are a wreck and lost documents can cost them money. If you're a wiz at making order out of chaos, you may have a chance to organize offices for at least $100 a pop.
83. Light mechanic work
If you can do basic car repairs – changing oil, belts, hoses and spark plugs, or replacing batteries or mufflers, you can easily pick up extra cash. If you can do the repairs at the customer's home, you can charge even more.
84. Process medical claims
After a major illness or surgery, a person can be inundated with medical claims. If you're familiar with the process (filing and dealing with insurance companies) you can make some serious money straightening out someone's medical claims.
85. Editing
You don't have to be a professional editor to be an editor. If you're an English major, a writer or a teacher, you may be perfect. You can find editing work on Craigslist that can be either one time assignments, or ongoing – your choice.
86. Set up simple websites
Can you design and set up simple websites? If so, you can easily charge $100 a pop. As little as you think you know, someone else knows a lot less and may see you as an expert.
87. Getting someone's tax records organized
If you have strong administrative skills and know what certain tax documents look like, you may be able to offer your services to a disorganized someone who needs help organizing their paperwork for preparation. Tough tax season ends April 15, it actually goes to October 15 with extensions. And those who extend that far are usually in the greatest need of organizational help.
88. Graphic design services
There are millions of websites who need all kinds of services, like graphic design work. Offer to do simple jobs for as many sites as you can contact. You can find them on Craigslist sometimes, but direct contact could be more effective.
89. Social media manager
Some people are social media experts. Others don't even know how to get started. Businesses are realizing the value of the social media. If you're fluent in the social media, offer your services as a social media manager. You can post updates on Facebook, Twitter and any media that are relevant to a particular business.
90. Staging houses for sale
There's a transition that takes place between living in a house and selling it. If you know the difference, and how to make a home look like a showplace, you can stage houses for sale. Offer your services to local real estate agents.
91. Event planning
Are you good at planning parties or events? Someone might need your help. Spread the word to everyone you know, and let them know what you can do.
92. Become an affiliate for a product you know and believe in
Everyone with a product or service to sell is looking for agents to sell them. Find products you feel strongly about, and become a dealer. Some higher priced items can fetch a $100 cut quickly.
93. Create or edit videos
YouTube is all the rage – music, how to videos, outrageous demonstrations, product reviews – you name it. If you can create videos, offer your services to businesses.
94. Buy low, sell high
If you have an eye for bargains, you may be able to buy on the cheap – at garage sales, thrift stores and elsewhere – and sell at a profit.
95. Preparing research papers
If you have a knack for research, there are businesses and individuals who could use your services. You can find some of them on Craigslist, or offer your services to local colleges.
Participate in the medical community
The medical community will pay for donations and your participation.
96. Sell blood
You can get $30 – $40 to sell your blood. Three or four donations will get you $100 in just a couple of weeks.
97. Participate in medical studies
A local hospital is offering $600 for people with high blood pressure to participate in medical trials. Hospitals and clinics do this all the time. Enough said?
Change spending habits – for a bit
Sometimes you can find extra money just by spending less money on a habit or two – at least temporarily.
98. Eat on the cheap for a week
If you spend $200 per week for groceries, try going on a beans and rice diet (OK, pasta, potatoes, salads and other low cost foods are good too) for one week. That should cut the bill in half, getting you an extra $100 easily.
99. Eliminate your cable TV service
A typical middle-of-the-road cable TV service runs about $100 per month. Eliminate it and you'll have an extra $100 this month. And every month after that.
100. Give up Starbucks for a month
Are you a latte fan? At $4 per cup, you'll save $120 if you give it up for a month.
101. Give up a "sin" for a month
If you smoke a pack of cigarettes a day, or drink three beers a day, going cold turkey for a month can easily leave you at least $100 richer.
Have you tried any of these? Are there any other ways to make $100 fast that I might have missed?
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Advertising Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author's alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.
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The post 100 Ways to Make $100 Fast appeared first on Good Financial Cents.


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The Last Living Eye-Witness Of Lincoln's Assassination Speaks
Not today of course, that would be ridiculous, but back in the 1950s he appeared on the show "I've Got A Secret." Hearing his story (mostly through the host, as he was 96-years-old at the time) is fascinating and this video makes for an interesting time capsule of TV during that era.
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The Binding Chair: Or, a Visit from the Foot Emancipation Society (Paperback)
Or, a Visit from the Foot Emancipation Society
Harper Perennial, 9780060934422, 336pp.
Publication Date: June 26, 2001
List Price: 15.99*
* Individual store prices may vary.
Not Currently Available for Direct Purchase
In poised and elegant prose, Kathryn Harrison weaves a stunning story of women, travel, and flight; of love, revenge, and fear; of the search for home and the need to escape it. Set in alluring Shanghai at the turn of the century, The Binding Chair intertwines the destinies of a Chinese woman determined to forget her past and a Western girl focused on the promises of the future.


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This property has been removed by the agent. It may be let or temporarily removed from the market
2 bedroom flat to rentSimonside Terrace, Newcastle Upon Tyne
Withdrawn from Market £550 pcm| £127 pw fees apply
Property Description
Letting information:
|Added on Rightmove:
|28 November 2016 (300 days ago)
Key features
- Two bedroom ground floor flat
- Fully furnished
- Double glazing throughout
- Gas central heating
Full description
Student or Professional Let- Available 9th April 2017
Cloud-Let welcome this two bedroom ground floor flat in the popular area of Heaton. Located within a walking distance of numerous transport links and amenities, the property comprises of two double bedrooms living room, bathroom, kitchen and rear yard.
Both bedrooms are furnished with a double bed, wardrobe, chest of drawers and desk, the kitchen it fully fitted with tiled splash backs and the living room has two large two seater leather sofas.
Please contact Cloud-Let for further information.
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IT was a time when the imagination of the North East was held in thrall. Was one of Britain's most prolific serial killers living among us?
Bolstered by what is now known was the malicious and fraudulent 'I'm Jack' tape, there was a fevered air, I remember, to those months at the end of the 1970s when the search for the Yorkshire Ripper switched a hundred miles north of his killing ground in and around Leeds.
Here at The Shields Gazette, we invited readers to come in and listen to the 'Ripper tape' to see if they could identify the taunting voice.
Police, locally, were actively involved in the hunt.
But it wasn't just the hoaxer who muddied the waters of the Ripper investigation.
At the time, Doris Stokes was probably the UK's best-known spiritualist and medium, whose homely demeanour belied her crowd-pulling celebrity as a 'conduit' to the world beyond the grave.
On July 1, 1979, she featured on the front page of the Sunday People, giving – through a link with the spirit world – a physical description of the Ripper and saying that he lived on Tyneside or Wearside, in a thoroughfare named either Berwick or Bewick Street.
She even went so far as to suggest that the killer had at some point received treatment at Cherry Knowle, the psychiatric hospital at Ryhope.
The sorry upshot of this was the detainment of a hapless lorry driver from Berwick Avenue in Sunderland's Downhill area.
He was quickly eliminated from the inquiry and, with the benefit of hindsight, it illustrates how distracted the investigation had by then become.
Other psychics made their own contributions. Gerard Croiset, the so-called 'wizard of Utrecht,' had the Ripper living in a flat above a block of garages in the centre of Sunderland.
The one that pulled us up sharp here was self-styled King of the Witches Alex Sanders, an occultist, who was sure the Ripper was a single man living alone near railway arches in South Shields.
I remember thinking at the time that Bewick Street in Shields was only a step from the rail line through Chichester. It really did get that bizarre.
Only one psychic got close. She was Nella Jones, who said the killer's name was Peter and that he lived in Bradford. He worked as a lorry driver for a firm whose name began with C (the Ripper, Peter Sutcliffe, worked for haulage company T & HW Clark) and the initials of his next victim would be JH, she said (Jacqueline Hill would be the Ripper's 13th and final murder).
In the end, the arrest of Sutcliffe in 1981 had nothing to do with any of these psychic trails, but more than 30 years later, Nella's contribution can still send a little shiver up your spine.
As indeed can much in Ghosts & Gallows, in which the psychic search for the Yorkshire Ripper is just one chapter in an engrossing exploration of true crime stories and their links with the paranormal.
Ordinarily, I'm not a fan of books that, often in florid and excitable fashion, link ghost stories with crime,
But the author here, Paul Adams, is a paranormal historian, who brings a sense of intelligent and objective curiosity to a subject that others might have taken as an excuse to indulge their own enthusiasm.
Here, the connection between crime and the paranormal goes back as far as the 18th century, to the discovery of a skeleton on a Cairngorm mountain side by a young shepherd who claimed to have been directed to the spot by the ghost of the victim.
Some of the cases are well known in the annals of criminology, among them that of the Red Barn murder, and that of Jack the Ripper, where the uncanny visions of a psychic, Robert Lees, were ignored by the police.
Less well known, now, is the nasty case of child killer Frederick Nodder who, in 1937, murdered a little girl, Mona Tinsley.
Estelle Roberts, highly regarded as a psychic medium, was able to accurately describe the house where the child had been taken, and where she would be found, in a river.
In fact it would be the quality of Estelle Roberts's abilities that would eventually help convince the British government to legalise spiritualism as a religion.
In some cases the ghosts are of the killers themselves, like Ethel Major, a pathetic figure who is said to haunt Hull Prison, where she was hanged in 1934 for the murder of her husband.
And through it all thread intriguing figures, like flamboyant ghost hunter Harry Price here, of Borley Rectory (the most haunted house in England) fame, seen demonstrating a seance room
All in all a book that will keep you reading and – who knows – possibly asking yourself a few questions at the end of it.
* Ghosts & Gallows, by Paul Adams, is published in paperback by The History Press, price £14.99. Visit www.thehistorypress.co.uk
* I have five copies to give away if you can answer the following: In what year was the Yorkshire Ripper, Peter Sutcliffe, arrested?
Send your answer to Ghosts Book Competition, c/o Janis Blower, Shields Gazette, Chapter Row, South Shields NE33 1BL, to arrive by next Wednesday.


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15 May 2017
How Politicians Can Help Landlords Become Environmental Heroes Rather Than Social Pariahs.
In the face of catastrophic climate change, we need to encourage energy efficiency and cleaner, renewable energy production, more than ever before. Unfortunately, our current government seems to be indifferent, if not intentionally hostile, to promoting this constructive, job-creating transition to a cleaner, income-generating and robust energy bill saving economy. This government is promoting funding of the destructive fossil fuel and nuclear industries. Our MPs own pension scheme invests in the fossil fuel industry for starters. While a significant minority recently backed divestment from fossil fuels, sadly the majority of MPs in government did not1.
Then there's the promotion of the hugely unpopular hydraulic fracturing industry against the democratic will of the people2 and the attacks on onshore wind3 and solar energy4, both very popular renewable energy technologies5. These renewables, given the chance to flourish, as it did before the government started taxing and wrapping the renewable industry in red tape, can transform the UK's energy security fears, reduce fuel poverty and meet our vital climate targets. We could have an economy that works for local, small to medium-sized businesses and domestic consumers alike, rather than an economy that benefits only the large energy corporations which still dominate over 80% of the UK's energy market. The constant drain on the public's finances by the UK's large, enormously profit taking energy companies, duping the customer with over-priced energy tariffs, have serious consequences for people's livelihoods and wellbeing.
One significant step to reducing energy bills for both domestic customers and businesses is to improve energy efficiency. According to the Office of National Statistics' 2011 census, Brighton & Hove had the highest proportion of residents privately renting out of any town or city in England and Wales; more than 30% of households. Around 26,000 people are on the council housing waiting list and 1 in 69 people in Brighton & Hove are homeless6.
However, the incentive for private landlords to increase the energy efficiency of their properties just isn't there. The government's weak legislation requiring landlords to improve their properties' energy efficiency, by achieving a minimum energy performance rating of E on an Energy Performance Certificate (EPC) by April 2018, isn't helping at all. Yes, there are other regulations, which came into effect from 1st April, where a tenant can apply for consent to carry out energy efficiency improvements in privately rented properties7 under the provisions of the Energy Efficiency (Private Rented Property) Regulations 2015. However, in the current climate of retaliatory evictions for tenants who merely ask for simple repairs, let alone applying for consent to carry out improvements, it makes this legislation appear a greenwash exercise, with no meaningful support for those threatened with homelessness8 or suffering in fuel poverty.
To make UK households truly energy efficient the government needs the EPC rating of landlords' properties to be at least a D. This is overdue for the huge numbers of residents living in sub-standard, enormously expensive, energy inefficient properties across the country. The government could help landlords achieve warmer, more comfortable homes with incentives. With the new round of Energy Company Obligation 2 Transition (ECO2t) funding for efficient heating and insulation grants, there should be more focus on offering all those landlords' properties with EPC band ratings below a D, more fully funded grant access9.
BHESCo is an award winning not-for-profit community energy co-operative offering an innovative PAYS (pay-as-you-save scheme) for those domestic and business customers who can't afford to pay for the energy efficiency improvement measures up-front. The savings from their energy bills are used to pay for the installations over a period of time and the occupants or tenants feel more comfortable in a warmer home, helping to reduce their energy bills. However, to encourage uptake there needs to be more of an incentive and active promotion in all sections of our community.
Another reason for requiring a D rating, is those landlords who wish to invest in solar energy generation can do so, thus helping to stimulate the UK's wounded solar PV industry10 and make it economically viable for landlords. To obtain the maximum Feed-In Tariff (FIT) for solar PV installations, a household must attain a minimum EPC band D rating11. However, the government also needs to realise that renewable energy is going to be the cheapest form of energy production in the near future. Onshore wind is already our cheapest source of electricity. Not to mention the benefits of secure, locally-produced energy and the dire consequences from global climate change if we don't act now. The government's own Department for Business, Energy and Industrial Strategy (BEIS) published a report saying a solar project commissioned next year was predicted to cost between £62 and £84 per megawatt hour (MWh) with onshore wind coming in at £49 to £79/MWh. Compare this to the cheapest form of gas costing between £60 and £62 and £154 to £166 for a more expensive gas system12.
We need active, forward-thinking local councillors and MPs to lobby Westminster and help promote energy efficiency and renewable technology in their constituencies, especially coming up to this general election in June. The technology and capability is already here, but we need the political will to make it happen now and not when it is too late.
- Holder, May 2017: 50 MPs back fight to divest parliament pension fund of fossil fuels, Guardian, 08/05/2017, https://www.theguardian.com/environment/2017/may/08/5o-mps-back-fight-divest-parliament-pension-fund-fossil-fuels?CMP=share_btn_link.
- Simple Switch, October 2016: Government Overrules Council to Allow Fracking in Lancashire, https://www.simplyswitch.com/government-overrules-council-to-allow-fracking-in-lancashire/
- 10:10, April 2017: Stop the government wrapping wind turbines in red tape, https://1010uk.org/articles/blownaway-planning
- Johnston, March 2017: Budget 2017: Solar industry facing devastating 800% tax increase, Independent, 08/03/2017, http://www.independent.co.uk/environment/solar-industry-budget-2017-800-per-cent-tax-increase-green-renewable-energy-a7618191.html
- BEIS, May 2017: Energy & Climate Change Public Attitude Tracker – Wave 21, https://www.gov.uk/government/statistics/energy-and-climate-change-public-attitude-tracking-survey-wave-21
- MAIS, May 2017: Housing Crisis: Community Solutions 2017, 11/05/2017, https://maisnetwork.net/2017/05/11/housing-crisis-community-solutions-2017/
- Residential Landlord's Association, 2017: MINIMUM ENERGY EFFICIENCY STANDARDS, https://www.rla.org.uk/landlord/guides/minimum-energy-efficiency-standards.shtml
- Whitworth, February 2017: Revenge eviction law 'not working', 09/02/2017, http://www.bbc.co.uk/newsbeat/article/38795177/revenge-eviction-law-not-working
- NEA, Feb 2017: IN FROM THE COLD: The funding gap for non-gas fuel poor homes under ECO and a proposal to fill it.
- Solar Trade Association, August 2016: 2017 Business Rates Revaluation: Rooftop Solar PV.
- Ofgem, 2017: Feed-In Tariff (FIT) rates, https://www.ofgem.gov.uk/environmental-programmes/fit/fit-tariff-rates
- Johnston, February 2017: Government accused of trying to kill off UK solar industry before it can become cheapest form of electricity, Independent, 08/02/2017, http://www.independent.co.uk/environment/solar-energy-uk-government-accused-trying-to-kill-off-climate-change-theresa-may-a7570161.html.
23 Jan 2017
How far away are we from 'clear' solar panels?
New skyscrapers are being built in London and other major cities all the time, with rooftop solar panels now being included as standard – excellent news for anyone concerned about the environment. If solar panels could be integrated into entire buildings however, the amount of energy that could be generated, and the consequent reduction in greenhouse gas emissions, could be a giant leap forward in the battle against climate change. In this blog, we look at how close we are to achieving that goal.
Cambridge-based startup Polysolar is developing see-through panels that can be designed into buildings, greenhouses and canopies. It has already utilised the new technology at two Sainsbury's petrol stations and a canopy at the Barbican Centre in London, and its latest installations include a transparent solar bus shelter in the centre of London's Canary Wharf. However, research funding and green subsidy levels will dictate how quickly these panels become a widespread mainstream commodity.
To make this technology more affordable, government subsidies and investment in green technologies are necessary. Despite breakthrough innovations in creating a clear solar panel, production on a large scale is restricted by technological limitations and high costs.
The UK government could help by investing in greater research and development, with the result that once a mass production technique is achieved, it could be sold to other countries and companies around the world. Widespread uptake of the technology would further drive down costs and could make this practice an industry standard in the not too distant future.
However, such a radical transformation of energy generation is unlikely to go unchallenged by existing fossil fuel energy companies. Businesses with a focus on centralised distribution may increase funding of political lobbying to stop or restrain government support for such innovation for their own self-preservation.
Regardless of the challenges, once 'clear solar panels' can be readily integrated into the windows of our houses, workplaces, and leisure centres, our capacity to generate clean energy will be enormous. Clear solar panels will bring a huge change not only to local communities but also to our planet by massively reducing the amount of greenhouse gas emissions that come from our buildings .
21 Dec 2016
2016: "It Was a Very Good Year…"
The last twelve months have witnessed incredible expansion and change here at BHESCo. Our team has doubled in size compared to this time last year, prompting a recent relocation to a larger office space within the Brighton Eco Centre. We raised £270,000, which we continue to plough into new community energy projects.
We have completed eight clean energy projects this year, including our largest project to date at the Montessori Place school in Uckfield.
Our Energy Saving Service that was launched in January 2016 has now completed over 200 domestic and commercial energy surveys. We are now authorised to issue Energy Performance Certificates (EPC) and our application for a consumer credit licence was approved by the FCA.
It is always nice to be recognised for the work we do and we were humbled to receive several awards for our work in the community, which included a day out at the Houses of Parliament.
Being a relatively small team, there is no way we could possibly have achieved so much this year without the invaluable contributions of our many dedicated volunteers, and of course without the belief and community spirit of our members. Thank you everyone who has helped make BHESCo's dream a reality – we wish you all a wonderful Christmas, and look forward to reporting again soon on the exciting new projects and programmes we have lined up for 2017!
09 Mar 2016
Leave Nuclear Power in the Pages of History
The Age of the Atom was to herald a new dawn in humanity's quest for energy. Euphoric reports at the time declared that this revolutionary new energy source was so abundant it would be "too cheap to meter". Our energy worries, we were assured, were over forever…
History of course, has shown none of this naive optimism to be true, and sadly will it prove the same for our current cabinet's total reliance on nuclear power as the basis of energy policy.
Hinkley is expected to cost between £18-24 billion to construct, of which UK taxpayers are expected to subsidise a significant portion. To compound matters, a substantial share of the profits generated will leave the country due to the plant being owned by French and Chinese investors. Worse still, a future based on nuclear power will maintain the centralised energy system we have now, and let's not even get started on the cost of clean up, transport security and waste disposal that future generations will thank us for…
Similarly, nuclear weapons are an expensive and dangerous consumer of taxpayer money, and BHESCo is steadfastly against the renewal of Britain's Trident defence system. We were very proud to join Caroline Lucas, Jeremy Corbyn, and the thousands of protesters in Trafalgar Square to voice our opposition to this £100 billion so-called deterrent, and were profoundly moved to see that so many people shared our view of a nuke-free future.
BHESCo suggests that all money intended to be invested in new nuclear power stations or weapons be transferred to the production of clean, renewable energy. Imagine what we could build with £100 billion? This money could be invested in all manner of new and proven technologies as well as going towards an electricity grid that can handle the distributed energy system we need in order to create real energy security.
The Stone Age didn't end because we ran out of stones. It is time to say goodbye to our atomic past, and move toward a brighter, cleaner, and fairer future. We say No to Nuclear Power because this makes the most sense for the future inhabitants of our planet. We say No to Nuclear Power because it does not make sense for our country.
28 Jan 2014
Nationalise the Energy Industry
Brace yourself, there's another £17 billion in national spending cuts predicted for this year.
Half of the cuts will be to benefits, like the National Health Service. This government has been relentless in pursuing its agenda of protecting their ideology at the cost of poor and vulnerable people, especially the elderly. The Treasury introduced a budget that reduced corporate taxes, increased the personal allowance, costing the Treasury millions while cutting back benefits to offset the impact of their ideology on our national debt. Our deficit has reached a serious state of concern, now ballooning to £1.2 trillion, three quarters of the size of the UK economy. This might help to explain why fracking is so alluring to the people who control our energy policy – we need a source of income to boost the UK economy.
The clean tech industry is consistently the fastest growing sector in the world. Insufficient investment and policy turnarounds have badly impacted the UK's low carbon industry, culminating in an attack on vulnerable people by stopping the Energy Company Obligation in March 2014. Our Energy Policy has been broken for many years. It's time to start fixing it.
People with lesser means are still being fleeced by the Big Six energy suppliers. Six million households in the UK are on key meters. Five million households are in debt to their energy supplier, meaning that they are held captive and cannot switch. Studies conducted by BHESCo in Brighton & Hove, have determined that people pay 20 – 40% more for their electricity and gas on prepayment or "key" meters. In winter, this means that people with key meters may run out of heat or electricity and not have the money to get the heating or lights turned back on. Increasing more people across the city must make a decision whether to heat or eat. Last year, 31,000 people died in the UK from the cold. According to Age UK, 90% of these deaths were in people over 65 years old. For the state not to provide for our elderly and vulnerable people is a lamentable turn of events. Considering the progress we've made in technology, our social services are evolving to Dickensian conditions.
67% of the British population would like the failed privatisation of 1993 reversed, to re-nationalise the energy industry. Unfortunately, this is more a dream, disappointingly, a likely impossibility. With a combined value well into the 100s of billions of pounds, the cost to the Treasury of reacquiring the energy suppliers and national grid would be too great to inspire political will. We can also assume that since taxpayer funds have been spent on bailing out the banks, we do not have the economic capacity to buy back national assets we once owned.
Yesterday, the Department of Energy and Climate change released their Community Energy Strategy. This report pledged support for community energy groups across the country. BHESCo will continue to work with Brighton & Hove City Council to drive down the cost of energy locally, investing in the local community. We expect that any support that we receive will create value for money for the taxpayer, delivering a low cost transition to a low carbon economy for less investment per kWh of energy generated or saved.
That is why Co-operative energy groups are so important. Groups managed by social entrepreneurs are picking up gauntlet to remedy a failed energy industry. 20 years experience has been enough time for us to recognise that the model didn't work and its time to consider attractive alternatives. Show your support for community energy by joining BHESCo. Call us or write to us. Get in touch, we are here to help.


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Table of Contents
Clinicians Will Likely Opt for Integrated Analyzers over Standalone Clinical and Immunoassay Analyzers in the Next 2 Years
This study provides trends in the US immunochemistry market and the clinical chemistry market. The install base of analyzer models from top vendors are projected from 2012 and 2013, and resulting trends have been studied. The study includes list prices of analyzers, analytes detected, and average discounts offered. Customer segmentation includes various analyzers from vendors such as Abbott Diagnostics, Siemens Healthcare, Roche Diagnostics, Phadia (Thermo Fisher Scientific), Alere, Inova Diagnostics, Tosoh Bioscience, bioMérieux, DiaSorin, Bio-Rad, IDS, Ortho-Clinical Diagnostics, Awareness Technology, The Binding Site, and Beckman Coulter.
Executive Summary—Key Findings
-The US immunochemistry market generated $ million in 2013 and is expected to grow at a compound annual growth rate (CAGR) of% from 2013 to 2015. The market comprises the sales of analyzers and reagents. The US immunochemistry market represents % of the US in vitro diagnostics (IVD) market.
-The immunochemistry market is heavily impacted by rapid replacement trends, which affect the clinical chemistry market. The clinical chemistry market contributed % of the US IVD market. The US clinical chemistry market generated $ million in 2013 and is expected to grow at a CAGR of % from 2013 to 2015.
-In terms of technology trends, the market is increasingly seeing the entry of chemiluminescence immunoassay (CLIA) systems, which are replacing older versions. Smaller labs still opt for fluorescent immunoassay (FIA) systems or semi-automated CLIA systems. Enzyme-linked immunosorbent assay (ELISA) systems and open systems are exhibiting some growth because of their open platform capabilities and larger test menu and affordability. FIA and CLIA systems tend to be more expensive. which works in favor of ELISA systems.
-Frost & Sullivan, however, estimates that ELISA systems will eventually experience erosion because of their lack of sensitivity and low specificities, especially as most laboratories are now consolidating and converting to high throughput systems. As a result, many vendors are using this opportunity to offer immunoassay or standalone clinical chemistry systems for a high discounted price. Demand for immunochemistry systems seems to work negatively for vendors. Because of this, the retention of the install base is crucial. Some strategies adopted by vendors include offering large discounts/upgrades, adding automation capabilities to existing modules, and having long reagent rental contracts.
-Frost & Sullivan's install base analysis reveals that a few open system platforms are declining in their install base, leading to rapid transition to either an FIA or a CLIA system.
-Dominating vendors are Roche Diagnostics, Siemens Healthcare Diagnostics, and Abbott Diagnostics. The US immunochemistry market is seeing the influx of many newer companies from Canada, Japan, China, and Europe. The market has undergone a massive change from a handful of participants offering only ELISA, CLIA, radioimmunoassay (RIA), and FIA as well as multiparametric assays such as microarrays, flow cytometry-based platforms, recombinant immunoassays, and indirect immunofluorescence assays (IFA).
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