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International Living Magazine Review: More Hype Than Substance?
Kudos to International Living's marketing machine. You can't possibly do any research online related to retiring abroad without coming across their main site or an article sourced from them. You see they've hit upon a winning formula. Every year they publish a listing of the top retirement places around the world. This list then becomes a free download if you're willing to exchange your e-mail for it. At the same time, a whole bunch of media outlets, hungry for content, repurpose the list which increases International Living's exposure. It's a simple formula that works.
I was one of those that traded an e-mail address for the list. And from then on I received daily updates from International Living about other great opportunities. Nothing I can complain about after all I did sign up for these updates. I also received offers to become a paying member. These offers became increasingly better (i.e. lower cost) until my curiosity got the better of me and I subscribed. In addition to the printed magazine and an archive of previous issues, I also received access to member-only articles.
Unfortunately, it didn't take too long before the shiny veneer began to wear off of International Living. Every article seemed to be the same rose-colored view of retirement in paradise. Real estate deals abounded, food was cheap, and people were all nice. Ummm… really? How could this possibly be true in so many places around the world?
And every e-mail or article included some pitch for a tell-all expensive ebook, conference, or service. Now I get that people need to make money to pay the bills, but there's also the need to maintain editorial integrity. And unlike the NY Times, I couldn't help feel that the advertisers had far too much influence on the content. How else can you explain the near lack of anything negative?
As my suspicions grew, I started to look into what others had written about International Living. Sure enough, posts emerged describing the exaggerations and, according to some, the lies that International Living propagated including glossing over difficulties in some countries, overstating the cheapness of real estate, and an overall lack of balance in their content.
So after a relatively short period as a member, I decided I would cancel. Guess what? The online customer service form didn't work. I thought at first that it might be down due to maintenance, but it didn't work over the course of several days. Next, I called customer service. I didn't get a human on the other end. Instead, a basic IVR system guided me through the cancellation process. At this point, I wouldn't be surprised to hear that International Living is actually just one guy in his basement with a bunch of freelance writers sending stuff in for him to publish.
Not all was bad with IL. There were some articles that were truly useful. For example, the one on moving to a state with no income tax prior to moving abroad to save on state taxes was pretty interesting. Unfortunately, the signal-to-noise ratio was just too low for my liking. The good news it that with enough digging there are plenty of trustworthy sources on the web and I'll be sharing those in other posts.
45 Comments
Don't retire to a place. Retire to the world. Every year, relocate to a place that is cheap THAT YEAR. Buy nothing (or buy used). Live as local as possible. When you decide that you've had enough, move on. There are over a hundred countries. Many, many choices. Even Australia was cheap, in 2000-ish. Britain will be cheap after Brexit.
Move annually, live locally, and one can still retire very inexpensively overseas.
My mind lives on the Internet, so my body can live anywhere. Why not live where it's cheap? ;-)
Hi Bill
Great information - I like the way you think - the world is too big & there are many places to experience before I die - wanderlust calls !
I had a subscription to IL about 20 years ago & enjoyed reading about the places that were initially off my radar. Not being of retirement age back then I would only dream of one day relocating. Now I find there are many places I want to explore so I like your idea of relocating to a new place each year.
Brilliant idea!
IL just deducted $49 from my account without my permission. I needed that money to pay a bill. Now their customer service number is conveniently not working, and I have been on habitual hold for a half hour. Not expecting anyone to answer. This is a scam and I am furious. DON'T DO IT FOLKS!!!
Hey Julia,
Same thing happened to me. They deducted $49 out of my account but it was my own fault. I got 5 free issues and was auto billed for a year subscription on the 6th issue. I complained and got a most of my money back. They charged me for 2 issues which was fair enough.
Contact them here - https://internationalliving.com/ilv-and-products/. The guy Niall was very helpful.
I've since gone back and signed up again though cause I really enjoyed the content haha.
Just from the standpoint of the publication - it is a horrible magazine. After reading it for just a few months, it is obvious that the articles are all written by just a handful of people - probably all sitting in a shabby office in suburbia, USA. Every article has the same tone, everything is rosy and cheap. The magazine is just a front to sell their expensive retirement seminars and other publications. And apparently those are just a steppingstone to their real-estate connections. Save your money and your time - there is plenty of information on the internet but take all information with a grain of salt.
Dear All,
Thanks for saving my small nest egg. Really I am grateful to you all for the wonderful feedback on IL. I was about to subscribe. Now I will unsubscribe from their regular bait emails.
We were sucked in by International Living way back in 2007. We discovered that their main product is Real Estate. They joint venture with developers, organize a seminar in that country and take you on a real estate tour to sell you over priced properties... not the cheap ones they advertise in the promotional material.
The information they offered on Uruguay was outdated and incorrect, and cost us dearly
I am really getting ready to GO, somewhere, soon. Probably within a year or two. Any positive or factual information would be more than appreciated. Any and all links would be awesome. Mom of three grown children, 24, 22. 18. Recently divorced after 26+ years of marriage. I just want to live my life beautifully.
Too bad my ex turned out to be such a downer. Brand new life, excited for new adventures and relationships. 48 going on 18! Thanks for all the info.
We too, bought a subscription to IL when it was on sale. Reading it every month has helped clarify 1. that we want to go somewhere other than the states; 2. that we want to keep our paid-for home here; 3. that we want to rent, not buy, and 4. narrowed down the places we want to VISIT while deciding exactly where to live. Since we've made the decision NOT to buy property, much what we read is useless to us. But we know that, and so we haven't been sucked into the hype these companies (IL and LAIO) try to push.
They're not just about real estate, they do have a publication for real estate buyers though. International Living have been really great to us on their insider forums. We want to know a question, they've gone out and found it for us. Even their free 'Ask the Experts' area was an unbelievable resource for me and my husband.
This is the question they answered for my husband. https://internationalliving.com/is-belize-a-safe-place-for-an-expat-to-live-qa/
I will say that sometimes we ask too many questions and sometimes we get a reply with a link to an article about the topic but at least they point me us in the right direction.
It sad to say but the information offered by International Living is often out of date and over exaggerated. The concept of providing international information is wonderful, if only the articles were true. The bottom line is they want to sell you something even if inaccurate. I purchased a condo in Salinas Ecuador and I have been travelling to Ecuador for 5 years. Some of the information is much older than 5 years. IL needs to step up their game and be real so people can make a informed decision.
Thanks for the warning everyone. I was thinking about accepting their introductory offer of a $4.95 book, but to be on the safe side I've now decided against it and unsubscribed from the free reports I was being bombarded with since first visiting their site.
I have noted too that reports (postcards) from expat Aussies living overseas all seem to have either been edited or written by the same person (s) - well articulated and with lots of enticing descriptive wording. Makes you wonder!!
I'm not surprised at all about this. Four years ago, my wife and I considered retirement in Ecuador after reading an International Living article saying a couple could live comfortably, including rent for a nice condo, utilities, groceries, a full time maid and great health insurance and healthcare, for $600 a month. Two years ago, they were saying $1,800 a month, not including healthcare or servants. The more we looked, the clearer it became that it was all as phony as a three dollar bill.
In the 90's I bought into IL's puffery about Roatan, Honduras. Came to found out the island was overhyped and a couple of crooked developers were very busy there. The people scowled at you for the most part, the dogs and cats were mistreated, it was full of realtors from Texas, there were machete robberies on the beach, and the natural environment was getting pretty trashed. I'm sure it was a good investment, and it was an interesting place (rather "third world" back then, and that was just fine) but it was not the paradise described by IL. The Bay Islands must have the worst sand flies on the planet. A friend was hauled off to jail (because a local didn't like him) and there were several murders and lots of robberies. However, good coconut bread and banana pancakes; shrimp & rice, Salva Vida beer, snorkeling and diving...but I digress. I think the key is, if you have money, the world's your oyster and you may select the best parts of it; if you don't, the statements about how great everything always is and how cheap--well--they're not true. Nothing's inexpensive anymore and poor people are toast. Fearing for the planet--don't believe the hype about Paradise.
The cost of Health Care Insurance is astronomical.
They fail to mention this and do not provide any information on Health Care Insurance.
Retired MD expat traveler published in Mexico/SA Fodors.com. IL is mostly revenue driven real estate investors many scammers. Be very careful always involve an attorney(abogado). In Costa Rica there are squatters laws you can lose 100% to ANYONE who camps on your property for 6 months. Best to travel locally in an area you like ALWAYS lease before you buy.
Hi there,you mentioned realliable sources,,, Please send me the info.
Thanks BillBill
I have a subscription and I read and hear so much about Panama City. So I went last week and stayed in Panama City for a full week.
Folks, please listen to me. Their economy is a complete house of cards that is built on money laundering. Skyscraper after skyscraper are practically empty. Read up on the numerous reports of shoddy construction. The landlords don't care whether you rent or not because that is not the purpose of the skyscrapers. Same thing with the malls. Albrook mall is just one of four malls and it has over 700(!) stores. Houston Galleria has 352 stores. It's impossible for the people of the country, much less the city, to support that many retail stores.
By trade I am a criminal defense attorney. I can smell a money laundering business without seeing the books. It's common sense.
Don't listen to the hype on Panama City. One day the winds will shift and so much of this economy is going to shambles because it's not real. Yes, there is quite a bit of commerce, but nowhere near enough to support the kind of buildings and stores and casinos that you see everywhere.
The people of International Living should be ashamed for promoting this city. As people learn more from the Panama Papers, you will learn what I am saying is true.
Do your due diligence on any country, but I would caution anyone to be very careful in investing in Panama.
Hi David, Thank you for your good advise. Panama is where, I read, Putin and Jackie Chan plus other celebs were caught in a money laundering scheme that was aired on Chanel 7 in Los Angeles, CA. I was married to a criminal layer until he passes (early for his age). It is hard to stay balanced in crim law but I am certainly grateful to know you are also keep keeping your ears and eyes open for the public. And, I was listening. JBS
Thank you for your truthful article. It was extremely helpful. I would like your opinion on other Expat locations.
Thank you.
Kindest Regards,
I have had ITl for 2yrs now and have been fortunate not to be scamed
Or cheated out of money . I have order books and cancelled and recevied
My refund with 5 businesses days.
I'm reading all there piece's on Costa Rica & Panama . I hope what I read
Is true.
not true at all on Costa Rica. We traveled there early 2016 very third world, terrible roads. If you want to live in a gated community cut off from the locals then maybe you would like it
Thank you everyone for your comments. I too was almost pulled in. People need a clearinghouse identifying internet thieves. How easy would that be? I I feel I am an intelligent person. And yet I have been suckered a number of times. Why do credit card companies even process charges made by these crooks? I would be very open to a policy whereby I am giving notice if a certain company is on the list. I guess it falls on the old adage, buyer beware.
Interesting to note that this international marketing of retirement destinations is so prolific worldwide. It's the same here in Australia where ILM does exactly the same saturation marketing via an already existing on-line financial advisory newsletter that is always claiming that "...the end of the world is nigh". In Australia, we do have a federal government service and website that is trying to do something about scams. This is the link:
Obviously very Australian specific but most of these scammers are internationally present and located only God Knows Where.
Once I subscribed, I was bombarded with "pay me, pay me, pay me" for more of this, and that, and this service, and that program, and this seminar, etc etc etc...
To confirm the OPs comments, check out http://www.numbeo.com/cost-of-living/ on any of the places on articles they send by email. I have found that the information IL provides is rather (very) suspect ... "I live for $1500 a month in a 2 bedroom condo" .... etc ... I suppose anyone can find a $500 2 bedroom dump to rent.
Thanks for this www site ... I did call the number in the first reply and have cancelled my membership. I must say, the telephone people were very nice and advised of the amount that would be returned to my credit card. Lets see if that actually happens :-)
Feeling mighty stupid as I've just paid the $17 and then moments later decided to look up reviews. I thought I did already but it was for one of their sub-publications and didn't find anything bad.
Of course the first thing I find is complaints about scams. Damn I feel stupid for letting them snow me I into thinking this had value.
I will call my credit card company and request that they block any further charges from this company if that is possible.
You can try International Living magazine, as our guarantee is you reserve the right to cancel for a pro-rated refund at any time.
Here are the details to contact us if you wish to cancel - you can call us Toll Free on 1800-681-2402 or Local/INTL on 443-353-4232. Our office hours are Monday through Friday, 8am to 8pm. [link removed by Infolific Staff]
We look forward to hearing from you
Kind regards,
Customer Services International Living
About 3 weeks ago I received an email from International Living (IL) offering information about Ecuador, a country I've visited and am considering visiting again. I ordered their service offered using my credit card, which enabled me to access information on Ecuador on the IL Website.
This was supposedly a "special" deal for just $7.00. I figured that even if I did not use it...well, it's not much of a loss...and if I did use it I might get a sense of the value of IL services are without a major cash outlay.
A week later my credit card was charged an additional $140.00 for something else from IL. When I phoned IL to ask them to explain and remove this charge, they refused to explain it and just said I should have read the fine print in their offer. I told them that I have not yet accessed their computer to obtain any information, but they do not care.
My credit card bill arrived a few days ago and I noticed the $147 in charges from IL. I phoned my credit card company to try to get them to help me get my money back, since I never even accessed IL's computers for the Ecuador data, nor any other services from IL. My credit card company said that in cases such as this, it is unlikely that customers will get their money back. Since then, I noticed a website called pissedconsumer that details many similar horror stories about IL.
What I think IL is is a small group of people spread among about 10 to 20 countries. As Marios suggests, they write similar boilerplate articles about each country, touting the cheap housing and food, friendly natives, great weather, etc. Every place gets a glowing review, with few if any downsides. IL have ties to a few major real estate developers, which they will gladly steer you toward if you care to take one of their field trips. They have enough useful information to hook some suckers like me, but eventually you realize they are scam artists.
IL is a joke for the amount of money it cost to attend a seminar I could be traveling to these so-called retirement countries... If you do your research you can find a great place to retire on your own
Its a sweet sweet dream really. Just take a vacation first and then you'll know.
Most folks bail out when grandkids arrive or a health issue does.
Find a place in the states....
It pays to do your research. I almost got sucked in. You know the old saying, "if it sounds to good to be true".
I too got sucked in and subscribed to their magazine but when I informed them I no longer wanted any of there magazine or subscription services I still got charges for Ecuador Insider debited to my credit card. This resulted in me needing to cancel my card and as I was living overseas and travelling it cost A$100 to get a new cards and the inconvenience of having to change my new card details with all my honest service providers.
I have now reported their actions to my bank as fraud. When you try to unsubscribe you can only use their forms which don't leave you with a copy of your email request. Cunning, sneaky bastards.
I have been travelling through South America for nearly 2 years now and confirm a lot of what they say is bullshit!!!! :-) Don't subscribe is my advice.
Thank you for your input. I almost bite.
Many years ago (1970's) when I was preparing to get my feet wet in Paris(as a tourist), I studied everything I could get my hands on, including a subscription to IL, then about a 2 sheet staples and folded edition. I couldn't figure out the one-color ink cycle. The publisher then was William Peddicord.
Although I eventually dived in by going to visit my dear friend Arlene who lived mostly in Paris as well as in NJ -- who taught me the best of all things (how to use the Metro comfortably) -- receiving and reading IL made me feel I was ready, whether I was or not, or at least could manage.
I need to visit my other home and review the mags to see if they were really relevant to my research or just that I knew so little that they seemed informed and informing.
I do recall thinking that there was a good deal(or a bit too much) of advertising about the seminars and such even then. But there were also adverts that read more legitimately. (ITN is the best source for all data.) It seemed that the more general articles provided useful data although at a certain point there was a change when I posited that William died or retired and Kathleen (and the redoubtable Leif) took over. Then followed the morphing into more touting of opportunities in .... some Paris, not the UK, not Europe ... but eventually totally South/Central America in which I had no interest. Seminar after seminar followed broadsheet after broadsheet recommending seminars.
In the end over the years since, a lot of Paris Real Estate was visited. In the 1990's I didn't buy as I didn't realize the advice I was getting from my new banking executive husband was based more in his own conservative position than in the needed boldness of finding and tying down a property, as is my business in the US.
A fortune could have been made in buying ca. 1994 and selling when the market exploded. (The pressure of those from the Middle East snapping up every likely unit probably drove the prices to a point where as one of my French friends said, "But, of course, it is what all my friends must pay.)
I doubt --although still watching the SeLoger's -- that the kind of place --not gussied up to an extreme extent -- that I really want 7ième or limite 15ième will ever, even in the current extreme "chute" of the prices, reach the price level I am willing to pay. Even the 7th floor 9MC chambres de bonne, not even two joined together, are still priced above 100,000E. As much as I might hope that my health and stamina might still be up to visiting, that is not my price point for what be provided. So I haven't lost but I haven't gained but it seems there must be a profit motive in publishing IL and IL&I.
You are so right on this. At first I was really excited. Looking at lots of places to retire but they all seemed the same. Cheap real estate, cheap or no taxes, cheap food and friendly. I went to Ambergris Caye in Belize where all of the numbers they gave me were wrong. Taxi 3 times the amount quoted, food expensive (just like the states), real estate just like the states but the people were friendly. For a snorkeler I would need to own a boat to even really snorkel. On to Honduras. Expensive also. Forgot to tell you it rains a lot and everything in your house molds. People not friend, real estate high and lots of loops to jump thru etc. etc. If you have any real genuine articles, please let me know.
I was intrigued with the several daily expat reviews and some had useful information on a given country. After the offers for the magazine got more and more attractive, I subscribed to a short trial subscription. It may be coincidence, but soon after, the daily blogs started 'shilling' for paid investment sevices :-(. I am already beseged with to much of this kind of investment hype and accordingly dropped the daily free blogs. I have yet to receive my first magazine, but based on others reviews, now anticipate being dissapointed...
Thanks I was just about the pull the trigger on a subscription ;) I looked around Costa Rica, but that ship has sailed from the $values I encountered looking at townhouses in Tamarindo.
You mentioned that you were going to post regarding trustworthy sources for working or retiring overseas. Could you send me the links to your articles.
Thanks so much!


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So why did America vote yet again for the worst president ever?
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New England
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Join Date: Oct 2010
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Originally Posted by
!! Anorak
It's strange, looking from the outside, how so many people object to, as they term it, "Obamacare".
To non-US posters, the idea of having to pay for medical bills is shocking. What happens if you break your legs and you're broke?
private enterprise is important to people over here. in addition, and perhaps more importantly, it's viewed as being more capable of producing a higher quality product. america contributes a good deal to the global medical community. there almost certainly wouldn't the funding for many of those contributions if the industry were no longer privatized. the quality of the product (medical care for patients and the medical industry, would suffer. i tend to think that in america's case, that point of view is probably accurate.
if you've got access to a top insurance provider in the states the medical care is damn good.
and finally, medicine is a gigantic industry in this country. hundreds of billions are made each year in medicine. it's regulated, but it's entirely privatized. you may never be able to make the entire industry public.
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For decades, the world of option trading has enticed both aggressive and conservative investors with its quick profits and risk management potential for portfolios of any size. It has also functioned as a form of gambling for the uneducated, who have lost untold millions of dollars by purchasing put and call options that expired worthless. However, in many cases, the risks that are posed by options have been far more publicized than the benefits. The Options Industry Council (OIC) was therefore created in an attempt to educate the investing public about both the risks and benefits of option trading. (To learn more, see How To Use Options To Make Earnings Predictions.)
TUTORIAL: Options Basics
The OIC was formed in 1992 through the joint effort of several securities organizations, including the Chicago Board of Options Exchange (CBOE), The Options Clearing Corporation (OCC), the New York Stock Exchange (NYSE), the American Stock Exchange (AMEX), the Philadelphia Stock Exchange (PHLX) and the Pacific Exchange (PCX). The OIC was founded to provide a platform of learning for individual investors, and has since grown to become one of the premier sources of options education for the investing public in America and elsewhere. The Boston Options Exchange (BOX) joined the OIC in 2004, and the BATS Option and C2 Options Exchange have also become sponsors. The OIC has since reached out to exchanges in other countries, such as Poland and Thailand, in an effort to educate their investors on the mechanics of options. (To learn more, see Who Owns The Stock Exchanges?)
Scope and Purpose
Although the OIC was created through the joint efforts of several official trading entities, it is purely an educational organization, and has no legal or regulatory authority of any kind. The OIC was originally formed in order to keep pace with the growth in the equity options market, but this market's rate of growth increased, substantially, as a result of the OIC's efforts over the years. The OIC attempts to educate investors of all levels by using several different mediums of communication, including:
The OIC sponsors a variety of educational seminars that are taught by experienced professional options traders. Approximately 90 of these seminars are given around the country each year for beginner, intermediate and advanced option traders. Those for beginners focus on how to get started with options, while intermediate-level investors learn how to manage options portfolios and advanced traders are given a breakdown on the significance of option volatility.
There are several websites hosted by the OIC that are dedicated to educating investors about options. These include:
This site is designed to educate institutional investors on the benefits of options. It offers many different types of education for learners, including news, educational articles, interactive tools, online classes, real-time quotes and other news that are supplied by http://www.ivolatility.com/.
This site is designed for individual retail investors and provides a plethora of tools and educational alternatives for options traders of all levels. It offers online classes, options pricing calculators, real-time trading data (including quotes and news), free online registration for options seminars, quizzes designed to test the knowledge of potential investors, access to OIC resources and programs, trading strategies, expiration calendars and press releases, as well as a complete dictionary of options-related terms. It also contains a range of pod and webcasts that cover all aspects of options trading, such as covered call writing, LEAPS, volatility and pricing. These hour-long programs are typically taught by the live-seminar instructors, and are appropriate for options traders of any level of expertise. (To learn more, see Using LEAPS In A Covered Call Write.)
This is the site for the OIC itself, and contains an overview of the options industry as a whole and outlines the nature and purpose of the OIC for the public. Many educational resources are available here, as well, that cover topics such as ETFs and the taxation of options. This site also provides a virtual trading program that permits investors to trade hypothetical option contracts in a simulated environment. (To learn more, see How To Reduce Taxes On ETF Gains.)
Brochures, Educational Materials and Newsletters
The OIC publishes a great deal of printed material that echoes what is available on its websites. Many of these brochures and flyers can be downloaded from the website, but they are also distributed at seminars and can be mailed to investors upon request. These brochures cover various topics relating to the risks, rewards and mechanics of options. Interactive DVDs and other computer materials that cover specific topics and strategies are also available.
The OIC also houses a help desk that investors can contact with questions, problems or feedback. All materials, seminars and other avenues of education are created by qualified options industry personnel who are backed by a staff of legal and compliance experts who insure that all materials adequately describe the risks of options, as well as the potential benefits.
The OIC is perhaps the most well-known source of information for option traders in America. It offers a wealth of educational resources for both novice and veteran options traders via seminars, websites and printed materials. Those who are seeking instruction in this arena should visit one of their websites or enroll in one of their upcoming seminars. For more information on the OIC, consult your stockbroker or financial advisor.


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The Dallas Cowboys' miserable season just got a whole lot worse: Tony Romo broke his left collarbone in the second quarter against the New York Giants on Monday night, then his teammates let a 13-point lead turn into a 24-20 halftime deficit.
The Cowboys were trailing despite having pried away three turnovers (including two interceptions returned inside the New York 20) and a 93-yard punt return for a touchdown. A loss would put them off to their worst start since going 1-15 in 1989, the first year Jerry Jones owned the club.
Romo's injury could end his season. Recovery time is generally 8 to 10 weeks. With the Cowboys at 1-4 - and headed to 1-5 - there may not be any reason to rush back.
The play came early in the second quarter, with Romo throwing a pass to Miles Austin, then taking a hard hit from blitzing Michael Boley. The linebacker came in unblocked and running at him practically full speed. Romo landed on the shoulder and remained flat on his back until being helped by trainers. He was taken into the locker room for X-rays and replaced by backup Jon Kitna.
That drive ended with a field goal that put Dallas up 13-7. Then rookie Dez Bryant had the second-longest punt return in club history, making a nice catch on a 69-yard kick then showing off great speed and moves to stretch the Cowboys' lead to 20-7.
Then it all fell apart for Dallas and came together for New York.
The Giants scored 17 points in the last 4:22 of the half, grabbing control of the game and on its way toward being alone atop the NFC East.
Eli Manning got it rolling by taking New York 80 yards in seven plays, aided by a pass-interference penalty on Cowboys cornerback Mike Jenkins - his fifth such flag in three games. It was the first penalty of the game against Dallas. The touchdown came on an 8-yard pass to Hakeem Nicks. Earlier, Manning and Nicks hooked up on a 7-yard TD toss.
Kitna didn't have a chance on the next series, throwing an incompletion under pressure then taking a 10-yard sack that forced the Cowboys to punt from the end zone. Manning took over at the New York 44 and quickly drove for the go-ahead score, a 14-yard touchdown pass to Steve Smith.
Dallas was hoping to regain the lead with a two-minute drill, but Jason Witten fumbled and New York got a 53-yard field goal from Lawrence Tynes.
Kitna didn't take a single snap last season, the only backup quarterback in the NFL not to play. He hadn't done so through five games this season, either.
Romo had been 5 of 7 for 39 yards with a touchdown pass. Kitna was 2 of 4 for 10 yards in his brief action.
Manning was 14 of 22 for 167 yards.
The Cowboys also lost defensive end Jason Hatcher to a groin injury.
The Cowboys pulled out the stops this week to try turning things around. Team owner Jerry Jones gave an encouraging speech Monday, officials worked practices on Wednesday and Thursday and Hall of Famers Bob Lilly and Tony Dorsett were honorary captains for this game. (Hours earlier, Dorsett called the team "a bunch of underachievers.") They drummed up some loud applause by showing clips of the World Series-bound Texas Rangers, then cutting to Nolan Ryan in the stands.
Apparently, the Giants are making up for what the Yankees failed to do on their trip to Arlington last weekend.


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A former adviser to the DUP MP David Simpson has been arrested after a camera was found in the toilets of his constituency office in Portadown Co Armagh.
David McConaghie, 47, who is also a member of Ian Paisley's Free Presbyetrian Church, was released on police bail pending further inquiries.
Mr McConaghie's solicitor said his client had not been charged with any criminal offence.
Mr Simpson said he no longer employs Mr McConaghie.
Mr Simpson, who is the DUP MP for Upper Bann said: " The police are currently investigating issues pertaining to an individual brought to their attention by myself. I no longer employ this individual and he does not hold any office in the party."
He contacted the PSNI when a camera was found inside a toilet cubicle at the MP's office in Portadown.


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I think the wiikey is a chip not a soft mod. If it already plays the back up games you should be able to burn the game and follow the usual instructions on installing the HBC.
To fix the problem you are having with the black screen. After installing HBC install the ios 38 and 55. U do this thru the HBC .That should let the newer games run. If you use the search you will find instruction on installing HBC and ios's Hope this helps.


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Knotted ropes are strung through drilled holes in the Manzanita to form a triangular swing. Various wooden beads and balls are strung on the rope pieces. Attaches to cage bars with a c-clamp attachment.
Measures approximately 21-inches long x 16-inches wide. Please note: As these toys are handmade sizes will vary slightly.
Toy12 from Parrotopia.
Manufacturer: ParrotopiaSee all products from Parrotopia
Visit Manufacturer's website: www.parrotopia.net
ParroTopia Trinity Toy Large Parrot Toy


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Sep 28, 2009
The United States Merchant Marine Academy golf team competed this weekend in the Liberty League Championships at St. Lawrence University. The team finished seventh overall. James Smith led the way for the Mariners with a tie for 36th overall.
Smith shot an 87 on Saturday and an 88 on Sunday to finish with a 175 overall for the Mariners. Timothy Remstetter finished with a combined 181 for second best on the team. With a score of 182 overall, Tom McLoughlin followed Remstetter while Caleb Blazer shot a combined 194. Andrew Snyder finished with a combined score of 201 for the weekend.
The Mariners return to action on Sunday, October 4th as they travel to Andrew Air Force Base for the Service Academy Golf Classic.


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Car designs for China: competitive edge and challenge
A growing number of major car manufacturers are pushing into the lucrative Asian market, and both developers and designers are facing the question of what are the needs of Chinese car buyers. Designs in China must not be too European: German car design, Lei Yucheng, chief executive of the design house TJ Innova Engineering & Technology, says, was too conservative, and the Italians were too innovative.
In the past, Chinese car buyers actually preferred the classic models, while hatchback cars were by far not as popular as in Europe. This has changed due to the increasing in traffic volume, the rise in gasoline prices, and the end of cheap loans as it was regulated by the government. As a result, now also in China, there is a growing demand for compact car, so that more and more companies are pushing into this profitable market. This new trend toward lower-priced models causes considerable pressure on car manufacturers. In the price-war game, it is essential to gain a clear competitive edge and to stand out from the competition. Design does play a crucial role in this, because design can be employed to create differentiation.
Constantly facing the question of what are the demands on design by Chinese car buyers, developers and designers are responding appropriately. Volkswagen AG, long the leader in China, is adapting some of its models to the market, and it is sending Chinese designers to Germany for 18-month training sessions. In addition, a growing number of carmakers have realised that car designs in China must not be too European. Foreign companies have the technology, but we are familiar with Chinese culture, says Lei Yucheng, chairman and chief executive of the TJ Innova Engineering & Technology Co. design house. Italian design was innovative but a little too different. But German design was a little too conservative.
What Chinese car buyers actually do want is not easy to say. Anyway, it definitely is not a boxy black passenger sedan so much is for sure. According to the latest sales statistics, the car is expected to be more than just a means of transport. For many Chinese, the car is a symbol of luxury and, therefore, the good looks of a car is of very high importance to Chinese car buyers: a little extra chrome, leather and wood is always welcome. This has also become apparent at the latest Shanghai auto show. As compared to European car buyers, there are also differences in colour choice, because the Chinese prefer brighter colours for the interior. And for reasons of culture, white as a colour for a car is taboo. The non-colour white connotes death in China.
Comfort is also a crucial factor in Chinese customers buying decision. In China, the VW Passat and the Audi models, for instance, are 10 centimetres longer than in Europe and therefore give more interior space for passengers. Security aspects, however, are not yet a truly effective selling point; they are only gradually gaining in importance.
Because most car buyers are first-time customers and, consequently, it takes time to develop experience with the market, the search for a Chinese identity will continue to be the topic of many discussions among developers and designers.


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Pursuing Early Financial Independence through Dividend Growth Investing and other Passive Income.
Sunday, June 22, 2014
Short Term Price Movements Are Not Indicative of Value
I've received a bit of criticism because between then and now the share price has increased about 16%. Ooops! Now don't get me wrong I can take criticism and I want each of you to question everything you see here and anywhere else for that matter. We're all looking to improve our investing skills and an open forum for that is the best way. Discussion breeds improvement. Due to that criticism I decided to take a look at some common metrics for the company to see whether the value has gotten better in conjunction with the increase in share price.
On every one of these metrics the company is now more expensive despite essentially nothing changing at the company. Analyst estimates for five year earnings per share growth were 6.90% in February versus 7.20% now with revenue growth forecasts of 0.70% then and 0.80% now for FY 2014. Growth forecasts have increased slightly but in my opinion it's not enough to justify the 16% rise in share price. Although it's still offering better value relative to its competitors.
Obviously I was completely wrong about the merits of the stock from a short term perspective, but I never claimed to have any idea about short term movements in the market. To judge short term opportunities you're most likely going to need to know a lot more about technical indicators (whether those are reliable is for someone else to answer) and a lot of luck.
When you read my stock analysis reports remember that it's a starting point. I'm presenting the facts and where I see the company on both a quantitative and qualitative level. My fair value calculations are not values that are set in stone. They are approximate price targets for where I would deem the company cheap and should therefore accumulate lots of shares or fairly valued or over valued. I don't have a hard and fast rule about only purchasing shares at valuations less than my fair value price and I don't always go on a buying spree when the shares are undervalued; asset allocation and other values present in the market determine that. As an accumulator of long term assets it's important to remember that lower prices for the same business equals higher value for the long term.
16 comments:
Out of curiosity, which stock was this? The market prices are getting out of hand because of the widespread euphoria. Having a run-up of 16% for a short-term gain is probably a good move for traders, but not for long term investors.ReplyDeleteReplies
Like a lot of people guessed it was DPS. A 16% gain is great for anyone but for long-term investors if you're still looking to accumulate it's definitely not ideal. I just wanted to vent a bit but I'm not concerned about it because it was one single person and the overwhelming majority of comments about my stock analysis posts are positive.
Thanks for stopping by!
I hear you JC. I have also had people tell me that I wasn't early, I was WRONG. I don't mind being wrong, and we all are from time to time......but in the short term the market is just a voting machine......(to borrow a Buffett). I think it's also very important to remember another Buffett-ism....."Rule number one is never loose money, rule number two is never forget rule number one". Protecting our capital is very important, and I for one applaud you for sticking to your guns (and metrics).ReplyDelete
I am doing the same and it has served me well :)
What really irked me about it is that it wasn't critiquing the actual analysis to try and be constructive. It was solely based on the short term price movement. If you think a company is a buy at $50 then wouldn't the same company be a better buy at $48? The focus of the comments were all based on the short-term price change. I have a feeling if the price had declined passed my buy price and stayed there the same criticism would have been dished except now it's why were you saying buy.
I think the most annoying part is that the commenter was completely wrong in his criticism. One comment "why was he (PIP) telling people to sell when he should have been telling people to buy". Right then I knew the person had no clue what I was talking about in the article because I never said to sell all I said was for me I'd wait for the price to come down some.
Thanks for stopping by!
I'm in agreement that openly discussing these things is important to our collective investment education. It's smart to question each other and decide for ourselves what's best.ReplyDeleteReplies
That's what I love about this blogging community. I don't think I've come across anyone that hasn't been a fan of open discussion, although I guess you kind of have to if you want to write for everyone to see. It's the collective education and knowledge that will help to push us all to be better investors.
Thanks for stopping by!
I agree with you (which doesn't mean I always act like that). If you are, as you said, building a long term value, you want to choose stocks which are cheap at the time of purchase. I also when buying stocks skip those which I deem overvalued and look for new candidates which are fairly valued. Although from 20+ years perspective it may not seem important, I always try to look at it from the perspective of how much money you give away by purchasing expensive. That's why I like sell offs and even then I use my "conditional order strategy" to trail my purchase price down with the stock and buy at reversal only. Not 100% bullet proof, but many times I bought really cheap. I believe squeezing even a penny now can become nice dollars 20 years latter. Many times my contingency order helped me to buy 1 or 2 more stocks than if I have bought at the original price at the time of entering the order. Those two more shares can bring a significant savings or value (and dividends) which you would normally miss. With a proper valuation, it is the same. But harder to do, if you have no idea how to do it.ReplyDelete
I think it's hard too when considering a single stock since it's absolute; e.g. if comparing Stock A which is considered overvalued with Stock B which is considered undervalued; in the same timeframe as your example, Stock B could have increased more than the 16% of Stock A. For me, that would be the point of the valuation, to force the question "is another better valued stock available?"ReplyDelete
But, from my very naïve perspective, I must admit that I struggle with valuation since I'm more about dividend income than total return. I don't know that valuation, based say on a calculation of future returns sought, tells me very much about a company's ability to consistently pay dividends with growth. What it does tell me is that I would get a higher dividend yield if I waited and the price came down, which is true for any stock. Can someone tell me what I'm missing?
As a buyer of stocks, I'm always hoping the price goes down even after I make the purchase. But there are some people who just like to call you out on everything. What can you do?ReplyDelete
Curious to know which stock is this?ReplyDelete
With the market and most stocks at all time highs, it is becoming very difficult to find stocks at reasonable valuations.
I'm going to guess DPS or PEPReplyDelete
DGI is a long-term endeavor so I think it is wise to be evaluating stocks for long-term performance.ReplyDelete
I don't spend much time worry about short term fluctuations. I don't know what analysis you are refering too, but with all that has happened in the world, I am somewhat surprised that the markets haven't gone down some. What would they be saying then? You were right, which would still be the wrong conclusion.ReplyDelete
Anyone who has payed attention to your blog knows you aren't day trading or short term oriented.
I'm going to go against the grain... You weren't wrong.ReplyDelete
Price action does not prove if you were right or wrong! If it did then people buying in 2007 and 2000 were right that those markets weren't overvalued.
Guessing its PEP we are talking about from your Feb 21 posting date. Looking at its 10 year average P/E of 18 and that its 20 right now... yeah its overvalued. At BEST it was AT value in Feb.
You did the RIGHT thing. You felt it was not the right time to buy and you didn't. It was based on your parameters and your risk tolerance. I see far too many dividend investors buy anything and everything with a yield at any price because they focus too much on dividends. Dividends can be your strategy but you have to be aware of how much you are paying. e.g. look at the mREIT investors in early 2013.
Let the nay sayers put up their portfolios in a public venue. The vast majority of them probably don't own any stock at all and are just living vicariously through us. They are still arm chair quarterbacking their dreams instead of putting them into action.
Sorry... its a sore spot for me commenters to criticize when they have no clue.
Anyway again, you were not wrong. If we make the right decisions at the right time for our portfolios then profit is a guaranteed byproduct. If we go after profit as the primary motivator we'll blow up our accounts.
Your title says it all and all I can say is that Mr. Market will price a stock any which way despite income, cash flow, debt, sales, PE or any other valuation metric. Price swings come and go with each headline and seemingly wherever the wind blow. It is still wise to try and value a stock based on the financial information given but that by no means price action will follow suit. Thanks for sharing.ReplyDelete
It's a nonsense to judge success of a recommendation based on 2-3 weeks of price action. Maybe that's a relevant metric if you are a trader. For someone who's holding for years, I'm not sure a 16% rise really matters, particularly if it's followed by, say a 30% decline in a few months (who knows??!!)ReplyDelete


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Turn-of-the-century websites — R.I.P.
San Diego Polo Club, Charles Manson, Gulf War blog, pisser clams, CyberSleuths — all gone
Various Authors 1:52 p.m., Nov. 19
Kyle came. I called him, he had a graduation appointment, where one applies and then speaks to a councilor about the ropes.
I tried the same thing, but always opt for the side road, and have too much interest in innuendo.
Kyle's plan: Save up a year's worth of work's pay, and travel, specifically: get the most out of his brain.
He used those words, get the most out of his brain, he wants to trick his brain some-how, and his vision to do so: jump out of an airplane/ land on the great barrier reef/ and then some other shit.
In other words: go from extreme to rest in such a short period of time, that the brain is tricked.
By tricked what he means I know not. And besides, he had just got finished telling me: that very morning he visited lokey, which is the name of our mountain, he stood there, looking over vista, all the way to pendleton, in google earth.
We have a mountain we deem our own, a mound of earth that just happens to be so near, that we treat it like our own, romping, roving about it, going up, singing our way down, camping once atop it. Her name is Lokey.
I tell Kyle: "Why not on that again?" Implying he accomplishes his goal on his iPad again.
He was too flustered to answer, and was still attempting to visualize his brain-trick, he was going on about google-earth, parts of land that are blocked, like San Nicolas, or parts of Catalina, that are muted out.
But lets hope he gets what he dreams for. What it amounts to? That will continue to grow, and change, but basically it sounds like success.


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Jessie Raymond Edmondson, 75, of Murphy died Sunday, August 4, 2013. He was a native of Clarkesville, GA, but had lived in Cherokee County for the past 55 years. Raymond was a logger and farmer. He was a member of the Providence Baptist Church in Clarkesville.
He was the son of the late Fred Watson and Effie B. Free Edmondson.
Surviving are two sisters, Frances Radford of Murphy and Rosa Lea Marchman of Fayetteville, GA; two brothers, Ralph Edmondson of Blairsville, GA and Frank Edmondson of Clayton, GA; and several nieces and nephews.
Funeral services were held at 11:00 AM Wednesday, August 7, 2013 in the Chapel of Ivie Funeral Home, Murphy with the Rev. Marty Garrett officiating. Interment was in Unaka Baptist Cemetery. Pallbearers were David and Jason Hayes, Russell Edmondson, and Joe, Sam, and Houston Radford.
The family received friends from 6-8 Tuesday evening at the Ivie Funeral Home, Murphy.
Ivie Funeral Home, Murphy in charge of all arrangements.


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Newcastle United v Reading
BBC coverage
- How to follow:
- BBC local radio; live text commentary on the BBC Sport website
Newcastle midfielder Moussa Sissoko will miss the visit of Reading with an ankle injury while his future at St James' Park remains uncertain.
Fellow midfielder Mohamed Diame will also sit out the game with an ankle problem picked up against Huddersfield.
Reading boss Jaap Stam could make changes after a disappointing 2-0 defeat at Wolves on Saturday.
Defender Jake Cooper and striker Deniss Rakels are pushing for starts after coming off the bench at Molineux.
Newcastle United manager Rafael Benitez: "It has been a really bad start in terms of results, but at the end of the season we will be fine and where we want to be.
"This is just the start. We have to fix things, but I am confident we can do well. We have had chances we did not take. We have made mistakes at the other end. We can be better in defence, the middle and attack."
Reading manager Jaap Stam: "Everybody is expecting a lot from Newcastle this season and there's a lot of pressure on teams like them in the Championship this season.
"Team who play them can play freely, but while they're having a difficult time, they'll want to win the next game. We need to be prepared for that, but we'll be looking to get a similar kind of result that others have so far."
BBC Radio Berkshire presenter and former Reading captain Ady Williams: "A big game for both sides so early in the season. Reading looked very impressive against Preston, having 80% possession, and then looked lightweight in defeat by Wolves.
"Goals could be the main worry once again this season. Do they have enough fire power to mix with the big boys? Boss Jaap Stam hasn't ruled signing a couple more players before the transfer window shuts.
"Newcastle have not lost three league games on the bounce at the start of a season since 1999. They must keep the St James' Park faithful happy sooner rather than later. I can't see Newcastle losing."
Match facts
- Newcastle have won seven of their eight home games against Reading in all competitions, but lost the most recent one in January 2013.
- Reading have conceded 33 goals in 14 games against Newcastle – their only clean sheet was in a 1-0 win in April 2007 in a Premier League fixture.
- Newcastle United lost their first home league game in the second tier since October 1992 (0-1 v Grimsby). They have not lost back-to-back home league games in the second tier since April 1992.
- Reading have lost four of their last five away league matches, drawing the other.


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Hey everyone, I just got done following this guide and I am trying to play "Monster Hunter 3". I burned the game to a DVD+R, and I get a disk error when I try to play it through Disk Channel/Backup Launcher.
Is it just the fact that I burned it to a DVD+R, or is it also the fact that it's a Japanese game and I have an American Wii?


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Audra Danielle Blackburn of Mancos, and Ronald Edward Hampton of Lincoln, Mo., were married Saturday, Sept. 14, at sunset in a backyard ceremony at the home of Mark and Tanya Ewing-Finchem in Tucson, Ariz. Pastor Rennon Ray Elliott of Tucson, Ariz. officiated.
The bride is the daughter of Justin and Diane Ewing, formerly of Mancos, now residing in Clifton, Ariz., and Dan and Lisa Blackburn of Tabor, Iowa.
The bridegroom is the son of Ron and Linda Dubs of Lincoln, Mo.
The bride was attended by her sister, Erica Blackburn, as maid of honor. The best man was Dakota Hampton, brother of the groom. Grandmother of the bride, Roma Ewing of Mancos, was also in attendance along with other family and friends.
The bride and groom attended high school together in Lincoln, Mo. The bride made her home in Mancos after graduating high school. While living in Mancos, she enlisted in the military. Now a specialist in the U.S. Army, she is currently stationed at the U.S. Army Garrison Yongsan, a major U.S. military instillation in Seoul, South Korea, where she is a lab tech/specialist at a military hospital.
The groom, formerly active duty military, served two tours: Iraq and Afghanistan, with bomb and mountain warfare duties. He was wounded while serving. Currently, he is employed at Royal Oaks Hospital Behavioral Health Care Facility in Windsor, Mo.
The bride will return to the United States early 2014, and she will be stationed at Fort Sill in Lawton, Okla., where Ron and Audra plan to make their home.


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City Council will hold hearing on capital improvement plan Monday
The Bemidji City Council will hold a public hearing on the city's capital improvement plan during Monday's meeting. As part of the CIP, the council likely will approve issuing general obligation bonds to fund a portion of the new public works facility.
The City Council convenes at 7 p.m. Monday in council chambers at Bemidji City Hall, 317 Fourth St. N.W.
The City Council on April 30 voted to award the construction contract for the new public works building to Kraus-Anderson. The total cost of construction, according to council documents, is $7.9 million and GO bonds total $4,138,000 of the overall cost.
In order to complete the project, the council on May 21 voted to amend its five-year CIP. Now, to comply with state regulations, the councilors also must hold a public hearing the revised CIP.
The new public works now is under construction along Fifth Street Northwest on the west side of Bemidji.
The council also will receive an update on the Bemidji Youth Advisory Commission, consider a wine and on-sale beer license for Hungry Bear Buffet, consider a gambling application for North Country Health Services (which plans to hold a raffle on Aug. 9), and consider a liquor transfer for the Green Mill, among other items.


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On certain occasions in their discography, the holy triumvirate that is Rush seems to get the itch to do their own spin on what is popular at the time. Grace Under Pressure pretty much copied the style of The Police and in doing so created one of their greatest (and most underrated) albums ever. Power Windows and Hold Your Fire were very much in-line with the synthpop style of the mid/late 80's, and both are also quality releases that are still uniquely Rush. Counterparts is basically the trio saying "Alternative? Grunge? You call this hard? Gimme a break! Stand back and watch how it's done!"
Right from the opening few songs, it's apparent the clean-cut, synth-fueled Rush of the 80's is long gone, replaced by Alex Lifeson once again at the firefront, delivering his signature style of paradoxically easygoing yet fast and complex riffs and solos, propped up by Geddy Lee's god-tier bass lines and beatmaster Neil Peart keeping everything chugging along as only he can do it. A few synth sounds still exist within, but they're relegated to support/accentuating roles now, and the difference is huge. While not produced much louder than their previous works, the music on this just feels so much more massive in tone than their 80's offerings. with the opening trio of Animate, Stick it Out, and Cut to the Chase being the best, and hardest hitting. But even with all this raw rock power, they still find the room for cultural commentary. Whether it be compassion towards gays on Nobody's Hero or contemplating gender/race differences on Alien Shore, Rush always seems to be able to deliver heartfelt messages without having to sound soapbox preachy.
This album formed at just the right time, melding Rush's impeccable lyrical work and musicianship with the hard-nosed, cathartic yet disaffected alt/grunge wave of the time, serving as an appropriate spiritual prototype for bands like Incubus, Foo Fighters, and Porcupine Tree; hard-working modern rock bands that are nebulously genre'd; anything from progressive, alt-rock, punk, even the hybrid genre alternative metal. While said genre and bands aren't officially recognized by Metal-Archives, it's still an important outlier genre to pay attention to, and Counterparts is its most complete template.
I have to say, apart from being the single greatest influence on the genre; they are the single most consistent band ever. It's the band's 15th effort damn it! And they still manage to bring fresh new equally amazing tunes. The sound here is slightly different though; it's a little more towards mainstream pop, but don't let it disappoint you because their original retro groove is still there.
A lot of the characteristics of their original self can be seen here. When other bands move towards a more mainstream sound they end up losing half of their original fan base, but not this one. Despite the change in sound, this album can convey Rush's capabilities to its old fans, and introduce the band's abilities to new ones. Not only does this invite more audience & reaches number two at the US billboards without disappointing existing followers, it should climb a couple of spots in both parties' list of favourite artists.
However, having said all of that, if you for a moment forget that it's the band's 15th effort and raise your expectations as high as 2112 or Moving Pictures, you are left with fairly less technicality and complexity as compared to what made you fall in love with the band. Now I for one wouldn't criticize the album for such a petty reason, but just to play devil's advocate, the song structures here are too simple as per Rush standards. The time signatures and chord progressions are simpler as well. Usually with Rush's music there are more things you notice about the composition the more times you listen to it, unfortunately not in this case. Apart from the regular overdubs theres almost nothing here that you won't be able to catch or identify the first time.
Production has never been a problem with Rush. The balance between all instruments here is perfect and the variations in guitar tones are noticeable. Such stellar & resonant mixing can be found only with this band and maybe some other rare cases.
The keyboards have been drawn out till a certain extent but they have retained the beautiful overtones. Alex sheds out a lot pretty cool riffs throughout the album and makes himself count. The guy has always been overshadowed by his band mates but here he tells us why he should not be overlooked and why he deserves his share of credit.
Lyrically, dark emotional themes are still the focus, as can be seen in songs like Nobody's Hero and Everyday Glory. However, I wouldn't agree with the Grammy nomination of the instrumental "Leave That Thing Alone" due to its high level of simplicity. Its sounds like a talented alternative rock band trying its hand at an instrumental and is nowhere near Rush standards.
Everything taken into account, this album still deserves a good, sturdy and respectable 77.
Finally. Finally, the rather weak and uninspiring "synthesizer era" (except Grace Under Pressure) of one on of the most revered bands in the business today ended with the release of Rush's fifteenth studio effort in the year of 1993, "Counterparts".
The music however isn't exactly a return to their progressive roots. The album adopts a very commercially successful, radio friendly approach to music with the influence of pop still clinging on to the band's music though it's more of an influence rather than the band's chosen genre of music. Long, complex tracks and mind-boggling time signatures are no more and Geddy Lee's open mindedness to experimentation and continuous craving for learning and adopting new styles of music has lead to the band even incorporating the sound of 90's alternative rock within it's spectrum. This album sheds off much of the main artillery the band had during the last decade of its music, which is quite obviously the synthesizer with much being the key word. The synthesizer is now more of an accompaniment to the band rather than the centerpiece as it had been for the past decade. "Counterparts" is one of the band's most guitar driven albums let alone in a decade but in their entire lifetime, which has now entered its fifth decade since its inception in 1968.
The near complete shedding off, of the synthesizer is evident as the album kicks off with "Animate", with Neil Peart's drums and Lee's bass signaling a new era in the band's music and is a great slightly pop influenced rock track with the synthesizer playing in the background, helping rather creating the atmosphere the band intends too. The newly acquired alternative rock mixed with the 60's hard rock sound is all too much evident with the band dishing out one great track after another and almost clearly signaling the band's return to form. "Stick It Out" almost abandons the pop influence and seems like Rush in it's early days mixed with the catchy choruses, the characteristic of 90's rock. "Cut To The Chase", the third track is probably as close to the band's progressive era as it got to wit this effort. Mixing of intricate melodies as still making it seem as if they belonged together best describes this track. Nice shifts between Alex Lifeson and Neil Peart only make this song better. "Nobody's Hero", on the other hand is a more serious track and is a mini classic by Rush. It is mainly acoustic and bass yet goes along very well and leaves a good taste in the mouth.
After almost lulling the listener to almost believing that the band has strongly returned to form even if it does not mean playing progressive again, this is where the decline even if it rather graceful begins. "Between The Sun & Moon" is a fun track and reeks of a rather chilled out approach by the band. The next tree tracks, "Alien Shore", "Speed Of Love" and "Double Agent" are however not good at all. With pop being the main influence here and the synthesizer once again being much more than just an accompaniment, these tracks are a rehash to the bands previous, rater poor, synthesizer era. Except for the solo these tracks may prompt you to press the skip button and I encourage you to do so.
Things once again begin to change with the instrumental of the record, "Leave That Thing alone". A synthesizer intro, huge chunky bass lines, amazingly precise drum lines and guitar work backed by dreamy melodies are the main characteristics of this track. This was also chosen for a Grammy under the "Best Rock Performance" section but was closely edged out to the title by Pink Floyd's "Marooned". "Cold Fire" and "Everyday Glory" are good album enders and both meander on the outskirts of being great tracks but never really get there.
To break it down, with respect to the band members, Geddy Lee's bass lines are extremely great and are unsurprisingly the highlight of the album. More than 40 years of playing the bass surely accounts for something and he always makes it count. This man is a genius. Another sign of greatness is his consistency as a vocalist. Almost twice the age of most in the business today and yet he puts them to shame with his ability not only to carry on but also because of his flexibility, carrying off tracks perfectly sounding emotional, serious or in a downright chilled out good mood. Alex Lifeson hasn't sounded better in along time and his solos are noteworthy. Nothing technical about his guitar work here, just another example of his ability to play with amazing precision and suiting the theme of the album. The same thing can be said about Neil Peart's performance on the drums with his performance with his work on Animate, Everyday Glory and the instrumental Leave That Thing Alone worth a mention.
The fans of progressive Rush may find this a bit of a letdown and those tracks in the middle of the album, which bleed inconsistency not helping much either. A good album nonetheless, signaling the entry of the band into yet newer horizons.
What is this that reaches my ears? Why it's the most guitar driven sound from Rush in over a decade. In fact, the keyboards are so far back, they have been relegated to an incidental texture that has not been seen since Permanent Waves; just straight on notes from one Alex Lifeson and Geddy Lee. As this jolting sound blasted out of the car stereo on its first spin, I nearly spilled my oversized Slurpee all over my car's dash in sheer joy. Such a reaction would have been a waste on two accounts: First, the alcohol in said Slurpee would have gone to waste; second, this is not a return to form.
Besides the idiosyncrasies of Roll the Bones, the previous 10 years of Rush's discography has been one stumble after another, the godfathers of progressive turning their wasted talents to the simple and shallow depths of synth-pop purgatory. But here the guys give up the instrumentation devices of this period and return to the basic formula of a three piece rock band. Yes, the guitar has made its triumphant return, and Rush is a better band for it.
After the initial sound hits you, that sound starts to sink in and it becomes apparent that while the instruments have returned, the music being played is not a similar return to form. Pop still clings to this like a will-o-the-wisp, a ghost of albums past. But the 80's has been merely updated to the 90's, Lee's affection of watching and learning from modern trends has lead to the new white meat of commercialism: 90's alternative rock. Guitar driven alternative soundscapes mix it up with varying shadows of what Rush once was and degrees of what the band is capable of. At times it works, and bursts with hope for the future direction of the band, but at other times it breaks down into a morass of average and becomes a tough sludge to wade through.
The album starts out strong, "Animate" pounds out well enough, Peart opening up with some warm drum pounding while Alex and Lee announce the new worldview order. "Stick it Out" attempts to make up for Alex's lack of guitar presence on the last four releases, putting out his toughest, coarsest sound in recent memory. Things get better with "Cut to the Chase", with its wonderful shifts between Alex and Lee; it is well written and the band seems motivated to punch it through on the backs of their instruments. The rest rises and wanes like the tide, hints of greatness mixed with the tarnish of playing to a new pop scene. "Nobody's Hero" is decent, and I appreciate Alex keeping the acoustic work in his vocabulary, but the made of radio chorus with its soap-box lyrics drags it down from lofty heights. "Double Agent", "Leave that Thing Alone", and "Cold Fire" drives forward with hints of greatness, but not enough to take the songs all the way. The rest is just average to poor, with too many tracks that just wash into background noise thanks to the same lack of depth.
This is almost a satirical opposite of their last release, where Roll the Bones possessed many of the synth-pop sentiments and over production I detest, but actually manages to work well thanks to good writing and performances; Counterparts removes the flop, brings home the guitars, and then runs it into slow motion with average writing. Sure, the performance is strong, but that is in the context of the material given to work with. Not a bad album at the end of the day, with songs ranging from good to poor throughout this makes the sum total disappointingly average.
Somewhere hiding in this album is a good solid EP. As it is, it is a welcome change of sound that briefly sparkles before dimming into irreverence, shrinking into the shadows of a catalog filled with monuments.
I like this album, but I could totally see any random Rush fan trying to forget it. They went for a more streamlined sound, definitely more poppy than before. This may or may not be a good thing with most bands, but Rush injects enough of their own sound to make it sound interesting. Although Geddy has definitely calmed down over the years, and his vocals have gone from a black metal shriek to semi-emo vocals, they're not that bad on this re-cord.
On Test For Echo, I really despised most of the songs because they were completely in-distinguishable, and mostly did not carry the Rush signature sound we all know and love. It just never clicked with me, and even the "hit" Driven is just average work for Rush. Counterparts provides a slightly more relaxed, less strained version of that sound, and with some well-needed hooks added, it is actually quite a listenable record.
The album starts out with the bass and drum driven track Animate, which is really free in its composition, and shows a more smooth, less jarring side of Rush. Most of the time Rush tries to put some odd time signature in the song to make it more interesting, which works sometimes (Distant Early Warning), and fails horribly other times (Tom Sawyer, who needs to hear that descending riff a million times?). Animate is very streamlined, and pretty much all in 4:4, making for a decidedly easier listen.
Stick it out, the second track, is kind of goofy, and I'm sure they had fun writing these ridiculous lyrics. The way it's provided through a counterplay between different Geddy vocals in the chorus, and slow grind during the verses, is semi-interesting, but I would not pick this song as the better song, although the riff under the chorus is undeniably metal.
Cut To The Chase is not bad, it has the same easy feel of the first song, and the lyrics are a little less random than Stick it Out. The counterpoint between bass and guitar is fun, and makes the song move nicely. Geddy actually sounds genuinely serious on this song, which he has failed at in the past, often ridiculing himself. There are some irritating pop tricks like repeated background vocals and random keyboards to add to the "atmosphere", but they're not overpoweringly annoying.
Nobody's Hero is a really great short epic, with Geddy's more serious voice showing through well. Alex winks back at his past solo style in a short burst of overdriven solo after the first chorus. The song is mostly acoustic guitar and bass though, and this works very well. It's not overly long, and the riffs are very tasteful for the lyrics. This song is definitely a highlight of the album
Between Sun and Moon returns Geddy to his solo album vocals. I address his vocals a lot in this review, as they easily take the foreground on this album. The instrumentation, al-though still talented, has nothing on the earlier ultra-wank Rush. The songs are written more for the songs than for Geddy's bass fills or Neil's Buddy Rich imitations. This song is a pretty good example of it. Although there are some show-offs from Neil, it's pretty basic. Hearing Geddy Lee play a straight eighth bass line almost makes you think he's tired of playing ridiculous fills.
Alien Shore is a lot of fun. It has kind of an arena rock sound to it, without resorting to cock rock. The two songs that follow (The Speed of Love and Double Agent) actually kind of follow a similar formula in this, except for the random spoken part in Double Agent. Rush doesn't really put a whole lot of effort into making these songs unique, but they're still a bunch of fun to listen to. Keys are sparse, but present. Bass is easily the loudest non-vocal instrument, and the drums are appropriate, with Alex easily having the lowest volume, as he has had for the entirety of the 80s.
Leave That Thing Alone is one of those Rush instrumentals that doesn't resort to too much wanking, and concentrates mostly on atmosphere. They basically take the middle keyboard section of YYZ and extend it, with some new parts added. This fits into the al-bum very well, and Neil actually shows off some really tasteful playing in the mid sec-tion.
Cold Fire and Everyday Glory are good album enders, and actually don't let up the en-ergy, or suffer from 2112 disease (putting some random tracks written in two minutes at the end of a record). Geddy sounds pretty poppy on these tracks, which would be out of place for earlier Rush, but on this record it works just fine.
Overall this record is a nice disc. It's not as jarring and progressive as earlier Rush, but it still provides some good tracks, and a smooth listen.


text: I stream movie to my Wii from my computers usb hdd, using WiiMC and a wifi connection, it free. There may be ways of streaming online movies to your Wii for free, but is not easy to setup, and it's not mainstream yet. You could all ways break down and get a netfilx account and stream that to your Wii. No, you cannot stream your Wii games, but some emulators of old school consoles can stream the roms to your Wii from your computer.


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A concert to celebrate wholeness and faith by two young men, one who has faced a diagnosis of death and continued to make music, will bring Not By Chance to Lubbock at 7 p.m. on Saturday at Covenant Presby-terian Church, 4600 48th St.
A fledgling musical partnership was threatened in 1996 when classical guitarist David Bailey was diagnosed that summer with terminal brain cancer. But he and his friend, Douglas Ebert, continued to write and record songs.
In the crisis, the duo continued to make music, believing that it is ''not by chance'' that their musical collaboration has become a powerful ministry. Throughout Bailey's treatments which have included surgeries, chemotherapy and radiation the pair drew fortitude from their faith and confidence that their success is not a coincidence, but by divine plan.
Bailey grew up in the Middle East as the son of Presbyterian missionaries. He found peace in what was sometimes chaotic situations through studying classical guitar.
Meanwhile, Ebert spent his youth stateside playing harmony and acoustic guitars five nights a week in rock 'n' roll bands. The two combined their different styles and have produced three albums, including their debut album, ''Second Chance.''
Taking a chance, Ebert, a member of Hartwood Presbyterian Church near Fredericksburg, Va., left his 10-year employment to work full-time with Bailey. Bailey's illness brought new purpose to the combo.
Since then, they have played concerts from Arlington, Va., to Anchorage, Alaska.
There is no admission fee for the concert, which is sponsored by Covenant Presbyterian's Shalom Fund.
© 2017. All Rights Reserved. | Contact Us


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General housing conditions
- Please note that the TU/e can only mediate in finding accommodation one time, at the moment that you arrive in the Netherlands.
- TU/e can guarantee housing for a period of one year maximum, although you may stay in the accommodation longer if allowed by the landlord.
- If you wish to move to other accommodation the TU/e can only mediate if there are no other applications from persons newly arrived in the Netherlands. A waiting list may be applicable in this case.
- TU/e can mediate in finding housing for international guests (staff and students).
- TU/e has arrangements with several housing agencies to guarantee accommodation for international guests.
- The application form for housing needs to be at the International Office of the Education and Student Service Center (STU) at least two months before your arrival.
- You will receive information about your accommodation a few weeks before your arrival.
- The TU/e housing service is a blind-date arrangement, which means that you cannot view the accommodation beforehand.
- TU/e will not be able to guarantee that housing is available for you on the exact date mentioned on your application.
- You will be informed in advance from which date you can rent the accommodation.
- Bachelor's and Master's students receive a rental agreement starting in August that is valid for the period stated by the landlord.
- Exchange students will receive a rental agreement for a fixed period of 1 or 2 semesters.
- Employees/guests will receive a rental agreement for a fixed period of time (when visiting TU/e for a period shorter than 1 year) or a rental agreement that is valid for the period of their stay (when visiting TU/e for a period of more than 1 year).
- Only a limited number of two-person and family accommodations is available from our partners, which means that in most cases TU/e will mediate for you with commercial agencies. This means the rent is usually higher than for Vestide accommodation. Commercial agencies charge approximately 1000-1200 euro per month and often require a fee for their services. The fee is usually a few hundred Euro.
- Please note that pets are not allowed in any of the accommodation from Vestide, Camelot, Friendly Housing and Eindhoven2Stay.
- TU/e cannot guarantee you can obtain the type of accommodation of your preference.
- For employees and guests: if housing is not available with our partners, you will be offered housing via the private market. If so TU/e will pay the mediation fee charged by the housing agency (not for professors).
- If you decline the offer for available accommodation, you will need to arrange accommodation yourself. TU/e will not provide any financial compensation in that case.
- TU/e cannot guarantee that your preferred type of accommodation is available. Offers for accommodation is based on availability.
- In a house with shared bathroom and kitchen, the facilities are shared with men and women. TU/e cannot arrange housing for women only or men only.
Housing conditions for Vestide accommodation
- Students and staff renting from the housing bureau Vestide will receive an email from Vestide a few weeks before arrival in Eindhoven. The subject line of this email is: "Account information for housing in Eindhoven by Vestide". Keep an eye on your inbox as this email contains important information concerning your accommodation!
- After you have received the email from Vestide, you can log in to the Vestide website and choose your accommodation.
- You have 8 days to choose your accommodation after receipt of the email.
- Please note that the availability date of the accommodation you select, will be the start date of the rental agreement. This means the start date of the rental agreement may not exactly match your desired start date.
- After you have selected the accommodation of your preference, you will need to pay the first's month rent immediately. Exchange students have to pay the rent for the whole semester. This can be done via Paypal or via credit card. It is not possible to make a payment via bank transfer. Once you have made the payment, you will receive an email that the selected accommodation is reserved for you.
- Set up a Paypal account as quickly as possible. You can only book accommodation if you have an active Paypal account with the required balance. For the terms and conditions, please check www.paypal.com.
- If you do not select accommodation during the 8 days that the Vestide login account is valid, you lose your account and your housing application will be cancelled. You will then have to arrange your own accommodation for you stay in Eindhoven.
- If you remain at the TU/e for up to 1 year, you will receive a rental agreement for a fixed period of time. This agreement cannot be terminated before the end date of the rental agreement.
- If you stay with TU/e for more than 1 year,you will receive a rental agreement that is valid for as long as you are at TU/e. You may cancel the rental agreement with a notice period of one month.
- Please note that if you wish to cancel your accommodation after you've paid the first's month rent, this will not be refunded.
- If you are moving to other Vestide accommodation you will need to provide a IB-60 form when signing the new rental agreement
- You can apply for this form at the tax office (Belastingdienst). It will take several days to receive the form. The form is required if you have paid employment in the Netherlands. Please be aware that you will not be given the keys to your new accommodation until you submit the form to Vestide.
- When signing your rental agreement you will need to pay a cleaning fee to Vestide. The cleaning fee for a room or semi-private accommodation is €75, for a one person private accommodation the fee is € 105, for a two person accommodation the fee is €160 and for family accommodation the fee is € 215.
- Vestide charges a fee for the bed linen that is provided. The fee for a 1-person accommodation is € 45,38, the fee for a 2-person accommodation is € 90,76.
Housing conditions Camelot
All information can be found on the Camelot website.
Housing conditions for Friendly Housing accommodation
Students renting from the housing bureau Friendly Housing will receive an email from Friendly Housing with the link to the booking website of Friendly Housing.
- Keep an eye on your inbox as this email contains important information concerning your accommodation!
- After you have selected the accommodation of your preference, you will need to pay the first's month rent within 5 days. Exchange students have to pay the rent for the whole semester. This can be done via bank transfer or via credit card. Once your payment has been received by Friendly Housing, you will receive an email that the selected accommodation is reserved for you.
- All students receive a rental agreement for a minimum period of 6 months. After this period the rental agreement will continue automatically. To end the rental agreement after the first 6 months, you need to cancel the agreement at least one calendar month in advance. It's not possible to end the agreement before the period of 6 months has passed.
Housing conditions for Eindhoven2Stay
All information can be found on the website of Eindhoven2Stay


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The Tiffen 95CPOL 95C (Coarse Thread) Linear Polarizer - Light rays which are reflected become polarized. Polarizing filters are used to select which light rays enter your camera lens. They can remove unwanted reflections from non-metallic surfaces such as water or glass and also saturate colors providing better contrast.
- The effect can be seen through the viewfinder and changed by rotating the filter. The filter factor varies according to how the filter is rotated and its orientation to the sun.
- If you're out walking on a lovely day - in the mountains or at the beach - and you want to get a fabulous shot of a cloud-filled sky or make the water seem more saturated, then a polarizer is the way to go. This filter is the best way to make the clouds stand out, increase or decrease the saturation of the ocean or increase or decrease the reflection off the water. You can also use this filter when shooting into glass or windows since it will, again, either increase or decrease reflections.
- If you're shooting black and white and want to simulate a threatening storm, try throwing on a #25 Red filter. The vista will take on the appearance of an imminent, ominous storm.
- Along with a UV or Skylight Filter, a polarizing filter should be a part of everyone's gear bag. It can turn a run-of-the-mill image into a stunning, creative photo by increasing color saturation.
- Note! Linear polarizers are used with most video and manual focus photo cameras. They are not recommended for auto-focus SLR camera.
- This filter eliminates ultraviolet rays to remove haze from outdoor shots as well as polarizing the light to remove reflections and increase color saturation without affecting the overall color balance.
- Can dramatically enhance a blue sky and make the clouds more prominent.
- Used best at right angle to the sun.
- Excellent for bringing out cloud formations.
Additional Info
Additional Info
|Tiffen 95C / Coarse Thread, Linear Polarizing Glass Filter
Type: Linear Polarizer


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The video his hilarious!!! Mike Tyson and Wayne Brady doing Bobby Brown's video of Every Little Step I Take…. and although he was a great boxer and stung like a bee…we soon find out that Mike Tyson does not float like a butterfly! He has NOOOOO Rhythm..
First, he's in The Hangover, now he's doing joke reels on Funny or Die. The next thing you know, he'll be in the ring again…for charity or somethin'.
That damn Wayne Brady probably talked him into it. Dave Chappelle has rubbed off on him.


text: Excellent practice today - things are starting to click on three very important fronts: upper body control, staying over my own feet, and styling. Can't wait to implement at my next lessons...but wish my next lessons weren't still a couple of weeks away! Plenty of time to reinforce, though, which in this case is a good thing.


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1961 Nu-Card #178: Mel Melin
Position: quarterback
College: Washington State
Error card
Melin's last name is misspelled "Mellin" on this card. Melin played from 1962 to 1965 for the Canadian Football League's BC Lions. There is a nice article about him on the Washington State University web site.
Buy this card at nearmintcards.com!
Grades available: PSA 9, PSA 8.


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I am a newbie, so please be patient as I ask questions that most everyone knows that answers to!
How do the '91 Integra and Accord compare? What do they weigh? Are they on the same platform? Do they use the same suspension and brakes? Are the engines/trannies the same?
Just curious.


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My Nonprofit Reviews
Review for K2 Adventures Foundation, Scottsdale, AZ, USA
When I met Kevin and Kristen, I knew I wanted to be a part of their amazing organization. I believe in their critical mission and have seen first-hand how they have changed lives in such a powerful and meaningful way. I had the privilege and honor to become a board member this past year and have loved every minute of it. Truly an incredible and life-changing experience working with the team and individuals they support.
More Feedback
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Effective strategy requires clarity of purpose, flexible tactics and excellent execution. Fasken Martineau's Litigation & Dispute Resolution group will establish and deliver a strategy that is the product of your goals and business. As the complexity of the average dispute continues to grow, we can anticipate your needs, providing you with pragmatic strategic risk management advice and value for your money.
Our internationally-recognized team has litigated for over a century and in multiple jurisdictions worldwide. Our lawyers have won significant trials and appeals for multinational companies, small- and medium-sized enterprises, and public bodies in a variety of industries and fields. We have extensive experience in all aspects of corporate and commercial litigation, having represented clients as trial and appellate counsel in courts and before arbitral tribunals, at mediation and administrative tribunals.
However, litigation is just one of the tools in our arsenal—our lawyers have expertise in international and local arbitration, as well as other forms of alternative dispute resolution.
Using our legal project management tool called Waypoint, we focus on early case assessment and cost predictability to ensure the dispute resolution process is ultimately driven by your business goals and budget constraints. This collaborative process offers you a written strategy for your work, a budget and complementary technology, and an extranet information sharing platform. We have developed this tool over the past decade to match our management of litigation with the skills we see our clients exercise in the management of their business. As a complement to this tool, our litigation support team is invaluable in supporting and managing the growing number of cases involving electronic document discoveries.
Whatever the approach taken, our commitment is to serve your interests in a way that is dedicated, passionate and informed by all our experience and the best practices and technology drawn from across Canada and around the world. Our history and footprint provide the experience, confidence and reach to develop and execute the right strategy for your dispute resolution needs.
Our litigators represent multinational Fortune 500 companies, large public and private companies, governments, small businesses, and individuals in everything from routine lawsuits to disputes of extraordinary complexity, including class actions, parallel civil and administrative proceedings and business-critical litigation.


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Can you help me? drop me a line
hi, i may be able to help you. centrum multivitamin yang mana ya? but it'll arrive in jakarta on 3rd March.
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Do not make direct payment to traveler, use SafePay as mediator for protection. Low fee, safe and easy to use. You will get reputation at the end of the SafePay - how it works
I want to request this too!


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June 10th, 2008
My period went off last week. Everything was fine until a couple of days ago I started having this discharge that smelled unusual. The discharge is a light red or pink color. I also had a mirena inserted about 4 months ago now. After I got the mirena my period was irregular for a while, which my doctor said this would happen. But she didn't say anything about a discharge like this. can anyone help me out with this?
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I changed my mind
replied June 16th, 2008
Especially eHealthy
Does it just smell unusual, or really bad?
If you have signs of an infection, you need to get it checked out ASAP because of the risk of PID with Mirena.
Otherwise it could just be some spotting, but I couldn't say for sure either way.
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Postal authorities have adapted the postage meter machine for public use throughout the world, except for the United States. In almost every country, a variation of the meter is in post offices, banks, on street corners and in all other public places.
The new postage label is dispensed from a machine built by the firm of Frama, and the labels have become known to collectors as ``frames.`` The purists insist that these are not labels but stamps, and call them an


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Laguna 69, Peru
Laguna 69, Peru
from 75.00
Premium quality giclée prints on archival fine art paper – touting gallery-like quality and outstanding color.
Paper type: Archival Matte Paper – an FSC-certified, acid-free paper with a smooth, neutral-white finish | Paper Weight: Heavy Weight (230 gsm) | Mounting: Not mounted | Printing: Inkjet Printing
*Free shipping to anywhere in the US.
**For international shipments, please contact me directly here.
***Fifty percent (50%) of each sale will be directed to Feeding San Diego.***


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The Tigers Will Not Turn Down For Anything
The Detroit Tigers capped off a series sweep with a 6-2 victory over the Red Sox yesterday, and they were clearly in a celebratory mood after the game. The tiger-striped zubaz sweatsuits are nice, but nothing beats Miguel Cabrera mean mugging in a TURN DOWN FOR WHAT shirt.
Here's A Very 1990s Photo Of A Young Joe Mauer
The Twins' catcher already looked like an all-star in this undated photo taken in front of the St. Paul, Minn., house where he grew up—and not because he was holding a basketball trophy.
All The Angry Emails Sent To UCLA By Fans Who Hated The Ugly New Zubaz-Style Uniforms
Three weeks ago, Adidas rolled out special basketball uniforms for Cincinnati, Kansas, Baylor, UCLA, Louisville, and Notre Dame, to be worn in the teams' conference tournaments. Each uniform featured Zubaz-like camo shorts, camo shoes, and three of the uniforms—UCLA, Louisville and Baylor—came with sleeves ("designed…