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Welcome to another episode of The Caroline Frenette Show: Christine Heath How To Listen to Wisdom, Seize Opportunities & Create Leaps in Your Business
In today's episode my guest Christine Heath and I talk about how to listen to wisdom to spot + seize opportunities & create leaps in your business.
Christine has built several successful businesses and I'm super happy to talk business building with her because her approach is DRASTICALLY different than what most people teach in B-School, so bring an open mind and be prepared to have fresh new insights about new creative ways to make more money, grow your business, create leaps in your life and have way more fun doing it!
We're also diving into:
→ How Christine doesn't plan ahead of time, she responds to what shows up
→ We never know how we are impacting people's life so if you feel like giving up, KEEP DOING WHAT YOU'RE DOING EVEN YOU FEEL NO ONE IS LISTENING
→ How to "listen" for inner knowing and NOT if it's a good idea. (This is a trap, Christine will explain why.)
→ You can't think your way into something new, new ideas don't come from the brain or the thinking mind, and where to look instead
→ You're wisdom can use your memory, but your memory can not conjure wisdom
→ We never truly know if an idea is good or will be successful, what to look for instead as guidance
→ What I tell myself when I feel stuck so I can shift quickly
→ The fastest way to get out of a plateau or out of "stuckness"
→ You don't have to trust intuition when you ARE intuition. (If you have to trust it, you're still thinking about it, you're not INtuiting.)
→ How to give yourself a true competitive edge as an entrepreneur
Enjoy today's episode and feel free to connect with me on social media to tell me about your biggest takeaways!
Caroline, xo
Selected Links From This Epsiode
Connect with Christine Heath http://www.hcechawaii.com/
Spread the the word about The Caroline Frenette Show and get a very special gift (value at $99) carolinefrenette.com/gift-reviews
Get in touch to learn more about this Fall's mastermind
Thank you to everyone who has left a review on iTunes!
How To Leave A Review On iTunes
The steps to leave a review are simple:
1. Click this link, this will open a new browser
2. Click on View in iTunes –> launch application
3. Click the SUBSCRIBE button
4. Click on Ratings & Reviews
5, Then you'll see two options: Click to Rate and Write a Review
6. Leave your rating (5 stars please!)
Thank you for supporting The Caroline Frenette Show!
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text: Hi All, I will be moving to Delhi shortly and taking my car to Delhi would cost me re-registration and road tax extra. Hence need your advise wheather i should sell my punto and get buy another in Delhi? I love my punto but i hate the Fiat service. I may need to leave fiat with a hard feeling as my expectation from Fiat never filt. I loved fiat since my child hood in China. And felt great to see fiat's re-entry to indian market. but they never filled the gab, I have been watching fiat's movement and cant see a very promissing future here.

subset: commoncrawl


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Studio: Amateur AllureCWMH
Series: Cum Swallowing Auditions
Approximate Running Time: 02:02:34
Released: 2017
Watch This Movie
Pay Per Minute Streaming Video
Welcome Lana Rhoades! This GORGEOUS 19-year-old beauty has a beautiful face and a bangin' body. She saw her roommate (Stella Cox) suck & swallow and now Lana wants to give it a go! She sucks Ray's cock before he bangs her out and fires a hot load of cum down her throat. What a babe! Kristen Scott is a 22 year old spinner from San Diego with a very eager mouth. Kristen sucks Ray's big cock before taking him balls deep. These two fuck like animals until Ray fires a huge load of sperm down Kristen's throat. Kristen then strips naked and milks Ray's cock for ANOTHER hot load! Kandace Kayne is brand new and wow, is she gorgeous! Kandace gives Ray a hot blowjob before he slide his big, cock deep into her tight, shaved pussy. These two really go at it before Ray unloads in Kandace's wide, wet and willing mouth. She swallows all the cum down. What a hottie! Marley Brinx is back for an all out suck & fuck fest! She takes a thick cock down her throat and sucks it like a champ. Marley also enjoys a good hard pounding and gets the dick slamming she deserves. She gets to swallow a nice big load for her fantastic effort. Gorgeous 22-year-old Summer Day is from Seattle and she just can't wait to dive down and give head. This girl has skills! Back home Summer has a reputation, and today she shows us how she earned it! She jerks and sucks Ray's cock then devours his cum! Beautiful Stella Cox is from the UK. She looks sweet and innocent, but this horny girl has a hot mouth and an incredible pair of 32 double-D tits! Stella deep throats Ray's cock, and then he fucks her huge breasts and delivers a hot, thick load for Stella to swallow!
Categories: Hd Movies -> Downloads Hd Movies -> Streaming Video Gonzo -> Pov Gonzo -> Cumshots & Facials Oral -> Swallowing Amateur -> Castings / Auditions


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CS Clubs
Welcome! We have several clubs that center around Computer Science & Technology, feel free to stop by any of our meetings and find out how you can learn more and share your interests with fellow students, Everyone is Welcome!
- NEW Girls Who Code Club! Join in the fun making creative websites, Apps, and projects! Meets Tuesdays 2:30-4pm in 115B, Garfield Adviser Ms. Cohan.
- Robotics Club - We discuss robot design and build robots to compete in the FIRST Tech Challenge (FTC) Tuesday & Thursday after school in 115.
- Women In Technology - women staying updated on the quick-paced world of technology together – Monday Lunch in 115A
- Apps Club - We will start up again in Mid-November/December; we began this club last Spring and will be setting it up soon – learn how to design you own App and then build it in App Inventor - we hope to meet after school in 115a.
- Programming Club - BECAME the APP's CLUB sort of…
- And a couple years ago, we had a The 3D Printer Project! All our clubs are joined forces to build our own 3D Printer after school. Check it out.
Stop by our Computer Science Lab in 115a and talk to Mr Bergquist if you have any suggestions or questions about computer science at Garfield.


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By Location
- Australia
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Here's how we can help you find what you're looking for:
• Check the spelling and try again.
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• Try a more general search.
Add a missing business
We are busy little bees collecting data and adding in new businesses and brands every day. If you know a business or have a business that should be listed, let us know by sending us the details.


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Joined May 2013
I am a User Experience Design consultant at IBM Interactive Experience in London.
I studied Political Science, Interaction Design and a bit of Visual Design. I'm originally from Sardinia, Italy and I used to live in Dublin. Now I am living and working in London.
One of my classmates introduced me to Love & Robots and I decided to submit some designs. The influences on my work vary from project to project, but books can be a big inspiration.


text:
Football cards issued around the world, from the 1880's through to those that haven't even been issued yet. Some rare, some very rare and others not so. Alan Jenkins (firstname.lastname@example.com).
Saturday, 22 October 2016
Paulton's (A.H. Paulton) - (PAU-040-10-2) Wolverhampton Wanderers F.C. (1927-28)
(PAU-040-10-2) Wolverhampton Wanderers F.C.
Paulton's (A.H. Paulton)
30 cards
Small cards measuring 75mm x 37mm but nearly all are unevenly cut.
J. Baker
T. Baxter
L. Botto
T. Bowen
A. Canavon
W. Chadwick
S. Charnley
D. Cock
A. Dee
V. Fox
N. George
F. Green
J. Harrington
F. Higham
R.H. Hollingworth
A. Kay
H. Keeling
A. Latham
A. Legge
T. Phillipson
T. Pritchard
D. Richards
W. Richards
W. Rotton
H. Shaw
E. Watson
R. Weaver
W. Weaver
L. Williams
W.J. Williams
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Nicole Kidman's maternal instinct
Nicole Kidman was very "maternal" to Dev Patel on the set of 'Lion'.
The 49-year-old actress – who played the adoptive mother of Dev's character in the drama film – admits she related to her co-star as if she was a maternal figure to him and is looking forward to see where his career takes him in the future.
Speaking to GoldDerby, she said: "I was maternal to him. I was pretty much in character playing the role … I really just related to him as a mother. I would go up to him and stroke his hair and touch his face and hold his hand. He gave permission for that, which was terrific …
"I also think now you'll see Dev as a leading man, not as an Indian man or anything other than a leading man. I look forward to his journey into all of that now."
It comes after Nicole – who has Isabella, 24, and Connor, 21, with her ex-husband Tom Cruise and Faith, six, and Sunday, eight, with her spouse Keith Urban – previously admitted she is "the caretaker" in her family.
She shared: "I still have a very strong relationship with them. I feel maternal to most people. In my family, I'm very much the caretaker. My husband always says, 'You can't save the world, Nicole,' but I think it's just an inherent part of me.
"The love is abundant, and it doesn't just evaporate or disappear – it's just there, and it is a bottomless well. It will always be there, which is a beautiful thing to say to a child, 'You'll never be abandoned. The love will always be there for you.' It's an important thing to hear that as a child. I beyond need it. Yes, I still need the acknowledgment."
Stunning Celebrity Daughters — Do You Know the Famous Parents?
Out with the old and in with the new! That's the theme of the day as we explore the family lineage of some of our favorite stars of yesterday and ...
click here to read more


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Captivating Contrasts
From the timeless tranquillity of the desert to the lively bustle of the souk, Dubai offers a kaleidoscope of attractions for visitors.
The emirate embraces a wide variety of scenery in a very small area. In a single day, the tourist can experience everything from rugged mountains and awe-inspiring sand dunes to sandy beaches and lush green parks, from dusty villages to luxurious residential districts and from ancient houses with windtowers to ultra-modern shopping malls.
The emirate is both a dynamic international business centre and a laid-back tourist escape; a city where the sophistication of the 21st century walks hand in hand with the simplicity of a bygone era.
But these contrasts give Dubai its unique flavour and personality; a cosmopolitan society with an international lifestyle, yet with a culture deeply rooted in the Islamic traditions of Arabia.
Since earliest times, Dubai has been a meeting place, bringing together the Bedouin of the desert interior with the pearl-diver, the merchant of the city with the sea-going fisherman.
Dubai City
Having expanded along both banks of the Creek, Dubai's central business district is divided into two parts — Deira on the northern side and Bur Dubai to the south — connected by a tunnel and two bridges. Each has its share of fine mosques and busy souks, of public buildings, shopping malls, hotels, office towers, banks, hospitals, schools, apartments and villas.
Outside this core, the city extends to the neighbouring emirate of Sharjah to the north, while extending south and west in a long ribbon of development alongside the Gulf, through the districts of Satwa, Jumeirah and Umm Suqeim.
At first glance, the city presents a predominantly modern face, an ever-changing skyline of new developments, from striking glass and concrete towers to gracious modern buildings incorporating traditional Arabian architectural motifs and features.


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The pearl of the west, is Turkey's third largest city and one of the most important port cities. It has a great nature and a rich historical and cultural heritage.
Also known as Old Izmir, Smyrna, built on an islet of hundred acres flourished into a great center oF civilization over time. Established about 8500 years ago, the city is now home to a variety of world heritages.
The largest city of the Roman Empire which set an example to other ancient cities, Ephesus with its architectural and cultural landmarks is one of the most visited regions near to Selcuk in Izmir province.
The city is known as "beautiful Izmir" as it is blessed with numerous scenic beauties and is under the effect of the Mediterranean climate. The summer is hot and dry where as the winter is mild. Lush for all seasons, Izmir is one of the biggest pine nut production areas.
One of the most beautiful descriptions of this city was made by Herodotus, who was also from Izmir: "they have founded the city under the most beautiful sky and the best climate that we know on Earth." Thus, the city has earned its place in history.
Izmir, with its thriving investments and developing façade, has become a cultural capital of the Aegean and is rapidly on the way of becoming a world trademark.
Wouldn't you like to get to know this thriving capital of the Aegean region?
How can I get there?
Although the transportation network is still subject to improvements, Izmir has a fairly well-developed transportation system.
The Izmir Adnan Menderes Airport is located near the city center and receives direct flights from many countries alongside connecting flights from Istanbul. There are also direct flights from Izmir to any airport city in Turkey.
You may take the subway, bus or a taxi after your arrival at the airport to get to the city center or the nearby districts of Izmir.
Ferries are another transportation alternative in the city. You can shorten the time of transportation and enjoy a sea journey by taking the ferry to commute between the Karsiyaka and Konak districts.
You may also take the highway to arrive in Izmir. You can take one of the shuttle buses between any major city and Izmir and reach the city center by taking a cap, the metro or the public bus leaving from Izmir Bus Terminal.
The holiday resorts of Izmir can be reached by getting on any of the buses leaving from the bus terminal in that direction. You will find yourself at some corner of paradise at the end of your small trip.
The Izmir harbor is one of the three largest ports in Turkey, where world famous Cruise ships anchor. You may consider arriving in Izmir on one of those ships and spend a terrific holiday in this unique city.
There are many alternatives of transportation for a more convenient vacation in this timeless and historic city.
Izmir is one of Turkey's leading cities and is frequently mentioned for its events, fairs and festivals organized throughout the year.
The Izmir International Fair is one of the most comprehensive and well-established fairs of Turkey and opened on September 9 for a period of 10 days every year.
Held for the first time in 2013, the Bornova Homeros Festival will be organizing a variety of social, cultural, artistic, scientific and sporting events.
The Flower Festival of Karsiyaka, where the beautiful flowers of the Aegean region are exhibited is held since 2001. The Hidrellez Day, on the other hand, is a traditional festvity celebrating the spring. You can make a wish at Hidrellez and jump over the camp fire that is traditionally lit to ward off bad luck or illnesses.
The International Izmir Festival brings together art and culture, while the International Poetry Festival of Bornova, welcomes artists from all over the world who combine their imagination with the power of their pen.
The Izmir European Jazz Festival and IF Izmir International Independent Film Festival feature creative works of art whereas the Dragon Cup Turkey is well known as one of the world's largest inter-institutional sports competitions.
The Balkan Folk Dance Festival brings together representatives of the countries with cultures akin to Turkish culture and the Japanese Film Festival, organized in cooperation with Japan, brings distant cultures together.
Many more activities and festivals are waiting for their guests and of course you are invited too.
There are a variety of places to go and many delicacies to taste in the city center and in the districts of Izmir province.
Districts located in the center of Izmir such as Konak, Alsancak, Karşıyaka, Bornova, Goztepe and Güzelbahçe will give you some clues to city life in Izmir and fascinate you with its restaurants and beautiful views. Agamemnon Thermal Spa in Balçova will help you to get rid of the stressful day and relax.
Tourists who want to enjoy the sun and the beach visit coastal towns near to Izmir such as Çeşme, Alaçatı, Seferihisar, Foca, Karaburun and Urla. The foundation of these towns date back to ancient times and the architectural façade of these towns still bear traces of these times. Offering crystal clear seas and beautiful weather, these valuable resorts of Izmir welcome guests all around the year.
The ancient cities and ruins such as the House of Virgin Mary, Ephesus, Teos, Kyme , Metropolis and Agora open doors to another world. The Clock Tower (Saatli Kule), the symbol of Izmir bult during the Ottoman Era, is another must-see landmark of the area.
Thanks to its climate and seaside location, the cuisine of Izmir is rich in fish and herb specialties such as nettle, chicory, or soleirolia dishes and seafood dishes such as seabeans, groupers, mussels, papalina and sardines.
Izmir Köfte (casserole of meatballs) and vegetable dishes with olive oil are the other popular dishes of the local cuisine which offers also lokma, sambali and quark cheese dessert with mulberries. Boyoz, a special kind of pastry made in Izmir and often eaten for breakfast, is another must-try specialty of the area.
In Izmir, there is a lot to do and to see. You will like the climate and enjoy your holiday.


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As per indications available from the markets of different states, as of now there seems to be an expect decline of about 30 per cent in consumption of Chinese products on this Diwali in comparison to last year which in itself would be a strong indication to China and other countries as far as the consumption of Chinese goods in India is concerned. The Economic Times
GEFIRA provides in-depth and comprehensive analysis of and valuable insight into current events that investors, financial planners and politicians need to know to anticipate the world of tomorrow; it is intended for professional and non-professional readers.
Yearly subscription: 10 issues for 225€
Renewal: 160€
The Gefira bulletin is available in ENGLISH, GERMAN and SPANISH.
A French police officer who slapped a migrant in the face in Calais has been sentenced to six months behind bars. It comes after officers have been criticised for their mistreatment of refugees. The police officer's defense claimed the incident was an involuntary gesture against an agitated person. Source TheLocal
Russia is concerned that Japan is allowing Washington to use its territory as a base for a U.S. military build-up in north Asia under the pretext of countering North Korea, Russian Foreign Minister Sergei Lavrov said on Friday. Source: Reuters
"Turkey has not been drifting away from Europe and NATO nor is it approaching Russia. There is no such thing. We have no problems with European countries," Çavuşoğlu said on Nov. 23 at a joint meeting with his Italian counterpart Angelino Alfano in Rome. Source: Hurriyet Daily News


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The Octonauts are a crew of adorable animals who explore
the ocean in search of adventure and fun!
It is a popular animated TV show for kids.
The little birthday girl is a huge fan of the show!
This beautiful & intricately detailed cake was custom designed
for her 5th birthday party.
Everything on this cake is handcrafted and 100% edible!
The characters featured on this cake are:
Captain Barnacles Bear- the valiant polar bear leader,
Kwazii Kitten- a daredevil kitten,
Peso Penguin-a big-hearted penguin, and
Turnip the Vegimal- a special underwater critter (part vegetable/part animal)
who loves to cook & bake cakes!!
All the characters are painstakingly handcrafted & completely edible


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Asbestos Awareness
This training provides employees with information required by the OSHA Asbestos Construction Standard 29 CFR 1926.1101. Employees performing Class IV activities, meaning an employee contacts the asbestos containing material but does not create a disturbance of the material, must receive asbestos awareness training annually. This course does not replace the Asbestos Awareness Class presented by EHS on a monthly basis, but can act as interim training supplement until an employee can receive the training. At the conclusion, please complete the short quiz to verify that you have read and understand the content within the presentation. To attend an Asbestos Awareness Training Class, contact Ray Doyle, Facilities Services Training Coordinator, at 919-962-4440, or Lisa Daley, Energy Services Training Coordinator, at 919-843-7326 for the schedule. If you have any questions in regards to this training or any other safety questions, please call Environment, Health and Safety at 919-962-5507. Download this training.
Jump to a Section
After Completion: Remember that you must take and pass the post test in order to receive credit for this training. Onyen or PID required.TAKE THE POST TEST


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Kennen Build Guide by cruciphux
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
Thank You!
Your votes and comments encourage our guide authors to continue
creating helpful guides for the League of Legends community.
Kennen Build
Ability Sequence
Not Updated For Current Season
The masteries shown here are not yet updated for the current season, the guide author needs to set up the new masteries. As such, they will be different than the masteries you see in-game.
This Kennen build is rather unconventional.
I go for attack speed and a bit of tankyness so you can get in and out nicely.
I would say it is a more skilled version of Kennen.
Harass with a lot of auto attacks in order to pop your W's passive and Ionic spark's passive too.
Don't be shy to run back and forth to avoid melee engagements. I find going face to face with like trynd or someone makes it a lot harder.
Auto attack enemy hero as much as possible if they take cover through creeps and farm.
If they make a move on your pop your E and touch them and run away to get a spark on them.
Always keep distance.
This build is a good tower diver, Save your E for when you are getting hit, it provides nice defense, and you cannot auto attack during it so beware you lose a lot of dps during.


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Social responsibility
At IceStar Media we are passionate about "giving back" by helping to support local causes and initiatives as part of our on-going commitment to running a socially responsible company within our community and beyond.
Not long after IceStar Media was first formed in 2002 we volunteered our time and services to manage and update a series of websites for a global female inventors and innovators network until they secured the funding they had applied for. We also managed the stand and represented the network at an invention show in London for 3 days in support of women inventors and innovators worldwide.
Since 2007 we have continued to support Shine Charity (formerly known as the Association for Spina Bifida and Hydrocephalus - ASBAH), a community of 75,000 individuals, families, friends, and professionals, sharing achievements, challenges and information on living with hydrocephalus, and/or spina bifida, and related issues.
In 2010 we worked alongside teams from the Hertfordshire Chamber of Commerce, GlaxoSmithKline, the Highways Agency, and Hertfordshire County Council on a sustainable travel website. The site is committed to making journeys to Gunnels Wood in Stevenage as easy and hassle free as possible. It provides visitors with everything they need to know about changing how they travel to work to make it cheaper, healthier and less stressful, as well as less polluting for the environment. The site offers members benefits such as discounted rail travel, bikes, etc. We volunteered our time to work on this project by building the first phase of the website that was launched in 2010 and attending steering groups to discuss the future direction and vision of the initiative. We are still acting members on the steering group.
We frequently volunteer our time or offer reduced rates to a London-based social enterprise that encourages, motivates and inspires black boys and young black men to realise their potential and make viable transitions into adult life.
In 2015 we set-up, managed and supported a community crowd funding campaign driven by social media to raise over £5400.00 in 30 days for a local cause.
We love taking the time to offer business advice to people who have shown an interest in starting a company, particularly young students who have approached us for information about career paths and self-employment opportunities.


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3 Super Cute Collar Pins!/
My closet consists of some dresses, two skirts, and about 15 button up shirts. To switch up my "uniform," I just add on a pair of collar pins to spruce up ye olde outfit. Here are three that will break you out of your humdrum routine. ♥ Rose Collar Pin Set, Lazy Oaf ($23, pictured). Add a touch of romance to your outfit with a pair of red roses, conveniently de-thorned just for you!
♥ Bow Linked Collar Pins, ASOS ($13.58, sale). Oh pretty, pretty sparkly bows -- how you glimmer and shine. Connected by a chain, this set turns a standard button up shirt into date night material.
♥ Eyeball Collar Pins, FoxTale Designs ($15). These give "four eyes" a whole new meaning, and for the bespectacled, "six eyes." And for your grandma who wears bifocals, "eight eyes"?


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Hi Pam! Isn't it surprising that the "ledge" is a little wider than we thought? I am proud of you for realizing and dealing w/ your emotions at this point in your journey.
Triplets! God bless you. I am raising my 3 granddaughters (ages 11, 5 and 2) and at age 56 (well, 55 for another 4 weeks..lol) and it is exhausting. I can't imagine triplets.
When I was first diagnosed, my dd and 2 granddaughters were living w/ me. My eldest granddaughter was 6 at the time. I tried to be as honest as I could when I first found out w/out scaring her. I included her, as much as possible, and she was my strength. If I was down, she was there w/ a hug or a silly joke. When I had my head shaved, I took off the ball cap and showed her. Her comment was, "well, nana, it doesn't look to bad. Just wear your hat when my friends come over!" I even took her to my chemo a couple of times. The staff was great. She saw that we laughed and joked. The nurses even had a water fight w/ her. Your kids are strong and will help you.
Hang in there. You will have lots of highs and lows. Just concentrate right now on those 3 beautiful children. Have fun w/ them. Keeping busy will keep your mind off the upcoming weeks right now.
Hugs and prayers...Deb
Pam: What a wonderful story! It sounds as though you and your husband are doing a great job in the way that you are working thru this w/ your children. It is amazing what they can understand. Isn't it great that you have them to make you smile?
Keep up the good work!


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DW on whining.
Bob Lefsetz on character.
Chuck and Sonic Charmer on this turd of an argument on banning private schools.
More from Chuck on the accident of birth. Some good stuff, really.
Bruce Charlton on the prerequisites of being a reactionary. Thought-provoking, and worth a read of you're a reactionary. Worth a read even if you're not.
John Hawkins on voter fraud. I suspect the main reason, though, why the GOP opposes voter fraud is because, relative to the Dems, they are considerably worse at it. (And that's the problem with winning over the moral majority: a good portion of them are actually moral, and therefore do not make good accomplices to fraud.)


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MOVIE SYNOPSIS [ General Audiences ] Under the unique direction of Francisco De Arriba, this film with audio in English (original language) was premiered in 2011. This movie, whose libretto belongs to Francisco De Arriba, was produced in USA. You can watch Beto! The Bad Boy of Thompson Street online on TV cable or theaters with original audio in English at different dates. This film premiered in theaters in 2011.
Rating: 5 by 5 users./
Runtime: 100 minutes
Francisco De Arriba, Tricia Cox, Michael Wright, New York Joe Catalfumo, Robert Nicotra, Khalil Hill, Johnny Sunkist, Christopher Gambino, Donegal Fitzgerald, Anthony Wesley, Andrew Fiscella, Armand C. Piscopo, William Mercado and Joseph Amoroso.
100-minute film (full movie) directed by Francisco De Arriba.
The original audio of Beto! The Bad Boy of Thompson Street has dialogues in Dolby Digital, it was produced in USA.
It premiered in cinemas or television in 2011.
Screenplay written by Francisco De Arriba.
Shawn Regruto.
Francisco De Arriba and Abel Ferrara.
This film was produced and / or financed by Candy Colored Clown Productions.
Composed by Rahk Solid.
Without commercial breaks, the full movie Beto! The Bad Boy of Thompson Street has a duration of 100 minutes; the official trailer can be watched in streaming on the Internet. You can watch this full movie free in EnglishDolby Digital in movie TV channels, renting the DVD or with VoD services (Video On Demand player, Hulu) and PPV (Pay Per View, Netflix).
See the page of this full movie, Beto! The Bad Boy of Thompson Street in FULLTV Movies.


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Skip to comments.Bloomberg Buys BusinessWeek From McGraw-Hill
Posted on 10/14/2009 10:49:13 AM PDT by SeekAndFind
Bloomberg is taking another step from the trading floor into the corner office.
The company said Tuesday that it was the winning bidder for BusinessWeek, the troubled 80-year-old title that McGraw-Hill had put on sale this summer.
Terms of the deal were not disclosed, but the price was said to be near $5 million, plus assumption of liabilities, which were $31.9 million as of April.
The magazine will continue to be a weekly print publication, rechristened Bloomberg BusinessWeek. Decisions have not been made about BusinessWeeks staff of more than 400 people; Bloomberg will select which of those employees it wants by the end of the year, when the deal closes. Those not selected will receive severance from McGraw-Hill, said a BusinessWeek executive.
The deal is expected to close by the end of the year.
BusinessWeek was in a tough spot financially, and lost more than $800,000 dollars a week last year. Investors had pressured McGraw-Hill to get it off its books. While there was interest from parties in the private equity world, Bloomberg was seen as the preferred buyer.
We are committed to the partnership, said BusinessWeek president Keith Fox in an interview. Bloomberg is acquiring a really powerful brand with strong reach among business professionals.
Faced with slowing sales of its financial data terminals during the recession that have since improved, Bloomberg had been looking to expand its presence in consumer media. Clients for Bloombergs terminals are largely financial professionals, and the purchase of BusinessWeek, with its consumer and executive readers, gives the media company more access to the corporate offices as well.
With its gigantic newsroom of about 2,200 people and its aggressive reporting, Bloomberg has won a growing number of awards, but it is frustrated by its lack of cachet in the journalism world.
(Excerpt) Read more at nytimes.com ...
Good move. Bloomberg has the deep pockets to rebrand this magazine. I don't know what he sees in owning a business magazine other than another outlet for his news group. His money though.
when was the last time you read Business Week or had anybody quote Business Week? And who wants week old market news anyway.
My only take is it is cheaper to buy Business week than create a Bloombery Business magazine from scratch. I assume he got it cheap. He is in the business news business, maybe he can change the format to deeper analysis of business trends rather than the drive-by paragraphs that dominate the genre. Don't really know, but the guy has bucks, so I assume he knows what he's doing.
They bought a customer list. That's about it.
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Palm tree is an important tree in Africa. It is mostly grown in the southern part of Nigeria. It is always a tall solo stem tree without branches but has fronds. The Palm tree parades a few species which could short, average height or extremely tall (like the wild type).
There are many products we can get from the palm three. Some you may have known, and some you may not have known. These products include: broom, palm wine, palm oil, palm kernel, palm fruit, palm kernel oil, wood or plank and frond stall.
1. Broom: The primary use of broom is for sweeping.
2. Palm wine: This is wine in its natural state with mild alcoholic content and containing yeast. It could be sweet or sour, and comes directly from the palm tree. It is also used in producing other wines including alcoholic beverages.
3. Palm oil: This is used in making of soups and other traditional Nigerian meals.
4. Palm kernel: it can be eaten raw when the husk is removed.
5. Palm fruit: it can be eaten raw or boiled.
6. Palm kernel oil: it is used as raw cream and can still be used in processing or production of creams.
7. Wood or plank: The stem of the tree can be made into woods for fuel or planks to use in making buildings.
8. Frond stall: this is used as purling in making roofs.
These are few of what we can get from this important tree. Planting of this tree can yield great lasting income since you can harvest wine, make palm oil, make broom, make kernel oil and others from this tree without destroying the tree. You can gain more if you have the plantation.


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Well, first I imported it onto my laptop and all was well. Then I did it on the desktop.
Interestingly, it did not have data on it for a full 30 days. It could be that I recently had to do a full wipe of the card, now that I think about it. I'll try it again in a few weeks.
Anyway, for 7 days (counting backwards), full data, full graphs, just like always.
Day 8, some graphs were gone. And the graphs that were left, some of them changed. The most marked change was the mask pressure graph. In the 7 day, it was thick with the inhale/exhale pressure. In the 8th day back, it was just a simple line of, I assume, the inhale.
After the 21st day, there is no data. Not even hours used. I did not open it in ResScan as I didn't have it on the desktop yet. In a few weeks, I'll try it again to see if the data extends beyond day 21 and goes the full 30. By then, I'll have ResScan installed and see if the hours used appears there.
Apnea Board Moderator
Breathe deeply and count to zen.


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Lot of 2 Vintage Block City Sets B-300 & Extra Pieces
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This listing is for 2 sets of Block City Blocks. They are both set Number B-300. Sets are complete, except for cardboard roofing. I am also including a bunch of extra pieces. Pieces are very good condition, just a little dirty.We currently have numerous other listings available, please take a minute and check them out! Please feel free to contact us with any questions. Item will be sent via USPS. I only charge what the post office charges me. If you look at the postage when you recieve your item, you will see that I usually end up paying more than what you were charged. The detailed ratings that you give when leaving feedback are very important, If you feel that the shipping cost is too high, it is the post office, not me!!! I will combine shipping, contact me at the end and let me know you are bidding on other items. I request that buyer contact me within 3 days, and pay within 7 days of the end of the auction. International shipping is by Priority Mail ONLY! There is a 3.50 handling charge on all International shipments. This is already calculated into the shipping cost. If an item sells for less than 15.00, I will consider sending it by First Class, this is the only exception! All customs charges are responsibility of the bidder. Do not ask me to lie on the customs form, actual price will be ... read more


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|2012-01-02, 03:53
|Link #3941
World's Greatest
Join Date: Oct 2007
Location: San Francisco
Age: 30
49ers finish 13-3. What a year. No one would have thought this team could achieve this mark at the beginning of the season. Jim Harbaugh has done a fantastic job. Regardless what happens from this point on, it's still been a major accomplishment and this team is for real.
A couple of things I want to touch on also:
- I'm very happy we don't have an 18 season and I hope it never comes. 16 games are enough. As from the other issues I think 18 games would be bad, it's time to get to the interesting part of the season, the playoffs. No more Colts, Jaguars, and Rams games.
- Tim Tebow and the Broncos are in the playoffs, but they have lost three straight, and I predict that they lose to the Steelers and their number one defense. Honestly I think this is the best thing for the franchise. You can't build an offense around Tebow's skillset and expect to compete year in and year out. This was obvious from the beginning, but all the morons who thought he was someone the team could build around believed otherwise.
- Matt Flynn had an amazing afternoon setting the all time yardage in a game and touchdown passes in a game for the Packers. His stock just soared and I'm betting a team like Washington or Seattle try to acquire him. Even though he had one of the best days in NFL history I'd still be a little skeptical. Flynn has performed well in relief of Rodgers in the past, so that is nice. But we've seen this happen with guys like Matt Cassel. Good one place in an established system, and struggling elsewhere on a team that is a little less talented and buyers' remorse ensues. Flynn is a RFA, so I'm guessing someone bites. Is he the next Matt Schaub/Mark Brunell? Or is he the next Rob Johnson/A.J. Feely?
|2012-01-02, 03:55
|Link #3942
World's Greatest
Join Date: Oct 2007
Location: San Francisco
Age: 30
And Brees has had a historical season. But I still think Marino's is better. He didn't play what was it, 12 games in a dome? And it was back in 1984 during a time when defenders were actually allowed to cover receivers and hit the quarterback. Marino's YPA was also higher. Brees just threw the ball a lot more.
Three quarterbacks have passed for 5,000 yards this season. Almost four. It's a sign of the times that the rules have been more geared towards the offense, and specifically the pass. So all of these record breaking spectacles we are seeing really aren't as big as the media is making them out to be. At least to me.
|2012-01-02, 04:04
|Link #3943
Zettai Ryouiki Lover
Join Date: Aug 2009
Location: The Bay Area
|2012-01-02, 08:08
|Link #3944
AS Oji-kun
Join Date: Nov 2006
Location: Under a Starry Sky
Age: 68
Did anyone else think the final sequence in the Houston-KC game was the height of coaching stupidity? I can understand going for two from the two-yard line, but after the motion penalty, why not just kick the extra point and take your chances in overtime? I realize the outcome was meaningless in terms of Houston's position in the playoffs, but doesn't team morale have some role to play going into the tournament?
I'm rooting for the Bengals so we can play them in the next round. Even with a gimpy Rothlisberger, I'd prefer not to face Pittsburgh. I'd much rather see the Ravens and Steelers beat the crap out of each other and leave us the survivor.
|2012-01-02, 09:33
|Link #3945
Join Date: Dec 2005
Location: Central Texas
Age: 33
but once again, it's the age old story for the Cowboys, lack of discipline and toss in multiple blown 4th Quarter leads prevented them from being 13-3
now it's time to cheer for my back-up squad, the Giants after that...I don't really care who wins as long as it's not the Brady Bunch. Much like my distaste for the Eagles...I can't quite place my finger on it about why I can't stand Tom Brady...
|2012-01-02, 12:05
|Link #3946
Wiggle Your Big Toe
Join Date: Feb 2007
Location: Milwaukee
Age: 26
When you see D-pass intererence calls on a guy just jumping over a reciever to make a play on the ball and his elbow merely grazes one of the recievers arms, you know something is wrong. The NFL has made it too easy to pass.
Last edited by GuidoHunter_Toki; 2012-01-02 at 13:04.
|2012-01-02, 12:08
|Link #3947
Senior Member
Join Date: Sep 2008
Age: 31
I agree that it'd be optimal for Luck to learn behind Peyton and be like the next Rodgers, but I don't know if it's really safe for Peyton to play anymore at all.
|2012-01-02, 12:58
|Link #3948
Retweet Member
Join Date: Dec 2005
Location: ニュー・オーリンズ、LA
Look at your 49ners for the contrasting example in your own backyard, why aren't they taking advantage of a pass happy league("The signs of the times" as you say) or using the rules to benefit them? It's because your QB doesn't have the ability (or hasn't proven the ability) to throw the ball consistently well...So I think you're limbo-sticking the whole debate...5,000 yds passing regardless of the time period is impressive, and the only guy in league history to do it twice is Drew Brees...There's a reason that stat stood for 27 years, it's not just some fluky $hit, these guys balled, but comparative vs. the remaining 95% of the league, the league was much better in passing in '84 without the rules that aid passing...
Last edited by wingdarkness; 2012-01-02 at 13:39. Reason: syntax cleanup
|2012-01-02, 14:28
|Link #3949
'Sup Ballers
Join Date: Aug 2008
Location: North Carolina, USA
Age: 28
Some coaches let go today and yesterday:
Great catch though.
Last edited by Dilla; 2012-01-02 at 15:05.
|2012-01-02, 15:13
|Link #3950
Welcome to primetime!
Join Date: Dec 2011
Location: St. Louis
Age: 28
Dear St. Louis Rams,
Please fire our poor excuse of a head coach and along with a first round draft pick, get a new head coach, somebody who can turn our team around like the current head coach did for the Blues.
|2012-01-02, 17:24
|Link #3951
World's Greatest
Join Date: Oct 2007
Location: San Francisco
Age: 30
Are you seriously trying to argue that Brees playing 12 games in a dome, simply throwing the ball a lot more (lower YPA than Marino in 1984), and taking advantage of the crackdown on defensive backs on receivers that has gone on for about the last eight or so years doesn't have anything to do with his success? No math formula that you want to come up with is going to try and justify that. Like I said earlier, Brees accomplished a lot this season, but let's be real here, he's also taken the advantage of a lot of factors in today's game compared to what Marino did in 1984 in sunny Miami. His touchdown percentage was considerably higher too. 8.5% in 1984 compared to 7.0% in 2011. The only thing Brees really did better was throw the ball more (41 APG compared to Marino's 35 APG). Which if you think about it, isn't doing anything better. His average wasn't better per pass even with all of the factors on his side. Three guys passed for 5,000 yards. That should be a sign of the times.
Edge: Marino.
|2012-01-02, 18:21
|Link #3952
Retweet Member
Join Date: Dec 2005
Location: ニュー・オーリンズ、LA
Edge: My argument
|2012-01-02, 19:08
|Link #3953
World's Greatest
Join Date: Oct 2007
Location: San Francisco
Age: 30
There is no math for you to do. You just admitted the passing game has been enhanced because of the rules. That should end the debate right there. I'm saying Marino's year is better in my opinion. You say you have the edge in your argument. So what is it? That Marino's is worse? If you think that is the case, please debate the things I've said that favor Brees compared to Marino (12 games in a dome, crackdown on defensive backs) and explain how how Marino's better stats in 1984 (higher YPA, less APG, higher TD percentage) don't completely dismiss Brees between the two. Seriously, Brees just threw the ball more. That's really all he did. What argument does Brees have against Marino when you compare the two seasons?
And we aren't just judging this between 4 or 5 guys when we talk about how the league has changed. Like I said before, passer rating averages are up and the formula for passer rating hasn't changed. Just the rules of the game, which now favor the offense.
|2012-01-02, 19:40
|Link #3954
Zettai Ryouiki Lover
Join Date: Aug 2009
Location: The Bay Area
|2012-01-02, 22:50
|Link #3957
Retweet Member
Join Date: Dec 2005
Location: ニュー・オーリンズ、LA
To suggest that these records aren't "a big deal" or "as big" as the other guy's records is to not understand the history of the league on this and the myopic viewpoints one may have based on sportsmyths (Like we're in the passing era, yet statistically 18 teams in the league failed to surpass 3500 yards passing--Again 5 vs. 95...People were putting that up routinely in the AFL days)...
Not only did he take on Marino's record, he obliterated it, did it in 15 games, and sat out the 4th quarter in the 16th game...There is something to be said about not just beating a record, but destroying it to argue Brees' year was just as amazing...Now comparing two guys from different eras is always pretty arbitrary, that's why i framed the debate in-terms of the baseline for passing yard averages from each guys' respective years...If we go further, and you wanna flex TD% and YPA, Brees has better completion percentage (by 7% WITH MORE ATTEMPTS), better passing rating, less INT's , better 3rd down rating, etc. We can play a tit-for-tat stats game, Drew's no slouch...
That's why I'm offering a different viewpoint, I mean defenses in the 80's weren't even built to stop obtuse passing attacks, while in today's game every team goes 4-5 deep in corners, yet Drew is penalized for this? (This is $hit that theoretically makes it harder to pass alot) Dome stadium vs. crisp Miami climate? Who played the worst defenses that year against the pass? You see the slippery slope? There are so many mitigating factors to consider we could go all day, but the argument exists that Drew Brees may very well have had a better season, and I'm not gonna let these throwaway 5 vs. 95 myths cloud my thoughts on the subject when I see an argument for Drew's season to be made...It's not cut and dry in the least...That's my argument...
|2012-01-03, 03:37
|Link #3958
World's Greatest
Join Date: Oct 2007
Location: San Francisco
Age: 30
Having a higher completion percentage isn't surprising when you play 12 games in a dome. Doesn't matter if Miami has good weather. Outside on grass is always going to be different than playing in perfect non-winded conditions inside a dome with artificial turf.
Defenses in the 1980's could actually play defense. Even defenses that are geared to stop more passing offenses now still have a disadvantage simply due to the rules that are in place. You touch a receiver beyond five yards just barely, flag. Even in the 90's with the five yard rule in place, it wasn't this strict. Only after Bill Polian's lobbying following the 2003 playoffs where his Colts lost to the Patriots, did the crackdown truly begin, and this is where we are now.
All Brees did was throw the ball more. That's all he did. Averages usually matter to me more than the actual amount gained or allowed in football stats. Which is why I usually put more stock in a team's offense or defense in terms of points scored/allowed instead of yards gained/allowed.
As far as Marino compared to Namath, when Namath throws for more than 26 touchdowns in a season, we'll talk. Even if you give him the 5 yard rule plus two more games, I doubt he ever does something like that. No one replicated what Marino did in 1984 until what, 1999 with the Rams I'm guessing when Warner threw for over 40 touchdowns. Oh wait, Marino did it twice in 1986. So I think it's safe to say regardless of the rule changes from that period on to Marino's, Namath wouldn't have a chance even with that advantage. Over 40 touchdowns and 5,000 yards isn't that big of a deal in 2011, as it is in 1984. Especially since three passers did it this very year. What Marino did literally wasn't done again until this season. You want to talk defenses of that era, Marino was pretty much the only one that couldn't be stopped from doing something like that during that time. Pretty good for a 23 year old in 1984.
Again, Brees had a great season. I just believe that Marino's was more impressive. It's not night and day to me, but I still feel it's more impressive.
|2012-01-03, 15:00
|Link #3960
'Sup Ballers
Join Date: Aug 2008
Location: North Carolina, USA
Age: 28
1. Justin Blackmon
2. Alshon Jeffery
3. *homer alert*Dwight Jones
4. Malcolm Floyd
|american football, sports
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Kakkanad flats are residential apartments offering quality accommodation conceived on a very large scale. The status of Kakkanad as south India's own IT City has become a full fledged reality and it is expected to propel real estate market in Kochi. Today Kakkanad is the ultimate destination of investors living in their own world of luxury. Kochi recorded a phenomenal increase in land value appreciation in a short time span in spite of the global economic meltdown. Kakkanad residential flat is a new tradition inspired project from Kochi based real estate builders. Residential projects in Kakkanad stand ahead of other infrastructure initiatives in the majestic city of Kochi.
Kakkanad flat is a reincarnation of traditional Kerala homes known for high class amenities, and affordability. Tremendous investment opportunities make Kakkanad flats a cherished real estate asset by all means. Kakkanad flat builder is a real estate organization backed by years of rich experience in property market. Offerings of Kakkanad based builders include residential apartments, commercial spaces, and convention centres. Splendid sunsets, pulsating palms, and wonderful waves make living in Kakkanad an ecstatic experience. New residential projects of Kakkanad based builders have been launched keeping in mind panoramic atmosphere and growing tourism industry. Most Kakkanad residential flats and apartments are located in the outskirts of the city much away from urban hassles. Envisaged residential projects in Kakkanad will have landscaped Water Park, conference hall, spa and restaurant. Souvenir shop, satellite television, water sports activities and large open area make life in Kakkanad flat ever memorable.
"Kakkanad flats: Full Fledged Homes"
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Glenfinnan - an iconic viaduct and more
Glenfinnan on the Road to the Isles has a famous viaduct associated with Hogwarts Express - and Bonnie Prince Charlie's Monument.
Glenfinnan - a West Highland Must See
Glenfinnan is a popular stopping-off point on the so-called Road to the Isles, the A830 that runs 43 miles / 69 km between Fort William and the ferry and fishing port of Mallaig. We think Glenfinnan is worth a visit. History and heritage, railway engineering, cruising, scenery and, of course, that famous Harry Potter movie scene involving a flying Ford Anglia.
Bonnie Prince Charlie at Glenfinnan
When Bonnie Prince Charlie arrived at Glenfinnan in 1745, he probably could not have guessed, firstly, how his mad adventure would turn out and, secondly, that a large monument to his escapade in Scotland would one day stand there.
Anyway, on that late summer day he had travelled by boat up Loch Shiel. Supporters, many of whom had been coerced by their chiefs, trickled in with sufficient numbers for him to launch his bid to take back the throne of Scotland and England in the name of the deposed Stuart monarchy.
That event, the final Jacobite rising, got under way with the 'raising of the standard' at the head of Loch Shiel, in the natural bowl where Glen Finnan meets the loch. It was the 19th August. On the 20th September of the following year, having been utterly defeated, the Prince left Scotland forever.
The Road to the Isles
In Highland terms, a much more beneficial event took place in 1812. A road by the famous engineer Thomas Telford went through, ultimately connecting Fort William, the main centre hereabouts, with the coast at Arisaig to the west. Perhaps it was this that made Alexander Macdonald of Glenaladale decide to build a memorial tower to the last Jacobite Rising in 1815. After all, Jacobitism as a political force had lost all potency by that time.
Glenaladale is a secret glen halfway down the loch on the north side. It is still roadless today. The Prince had stayed there before arriving at Glenfinnan. The Glenfinnan Monument came into the hands of the National Trust for Scotland in 1938. They look after it and today have an exhibition and visitor centre on site.
The Glenfinnan Viaduct
But wait, there was one other important thing happened in Glenfinnan. A really spectacular thing. The first and longest mass concrete viaduct in Scotland or England was built there, opening in 1901 as part of the 'Mallaig Extension' ie the continuation of the West Highland Railway to the sea. A spectacular 21-arched concrete crescent was flung across the gap in the glen, 100ft / 30m high and 1284ft / 391m long. It still carries rail traffic today.
Everyone knows that because, according to NTS sources, more visitors come to see the viaduct because of its Harry Potter movie connections than come to see the Glenfinnan Monument because of its Bonnie Prince Charlie association (yawn).
How to get the best views (in close-up) of the Glenfinnan Viaduct
(Oh, all right, you get a nice view of the Glenfinnan Monument as well.) Many visitors park at the Glenfinnan Monument carpark, by the NTS building. However, if you continue a very short way west, opposite the road (left) that leads down to the Glenfinnan House Hotel, there is some additional parking on the right, where the road that comes down Glen Finnan reaches the main road. Having said that, I've never actually been able to park there!
Parking problems aside (and I've been known to park at the church further on and walk back down the hill), simply walk up Glen Finnan and the road takes you right underneath the impressive arches. The marks of the shuttering that formed the concrete into shape more than a century ago are still visible. (This was, after all, a viaduct that was poured into place, section by section.)
There is a path network around Glenfinnan and you can leave the road and walk uphill westwards through the arches. This leads on to a fine high-level path with stunning views down Glen Shiel and the loch.
Only one little inconvenience: you are looking south into the sun, which can cause problems (or interesting effects) with lens flare.
The path that started below the viaduct takes you down at Glenfinnan Station, where there is a little museum and also a restaurant in a former railway buffet car. So there is something to detain you before you walk down the main road (which has a pavement) back to your starting point.
Loch Shiel Cruises at Glenfinnan
At time of writing, there is a cruise boat on Loch Shiel in the summer season. Sileas is a former Admiralty launch. Loch Shiel Cruises takes visitors well down the loch, to the haunt of sea eagle and red stag (and a whole lot of fascinating local history too). It's well worth the trip. And only a local man could point out the local detail in the way that the owner Jim Michie does in his commentary.
In short, if you are based in or around Fort William - and we discuss whether you choose there or Oban on that link - then by the time you have taken in the exhibition at the NTS visitor centre, walked down to the Monument (just because, well, people do…) then walked up to the viaduct, then you've already spent in the immediate vicinity.
You'll need another hour or so if you are walking the higher path that then brings you down to Glenfinnan Station. Then, in the afternoon you could do the cruise. Altogether, you will have spent much of the day here. Maybe there's time to drive west though...By the way, The Glenfinnan House Hotel is a favourite of ours, highly recommended and dog-friendly as a further bonus.
What else is on the Road to the Isles as well as Glenfinnan?
Some say the name 'Road to the Isles' should really be the Road FROM the Isles as it originally referred to old Scottish cattle-droving roads from Skye, at least one of which was lost when Loch Loyne to the north of Glenfinnan was dammed for hydro-electricity - though by this time cattle-droving had been killed off by the railways anyway.
In any case, it's a romantic name and the scenery from Glenfinnan usually has adjectives such as 'jaw-dropping' 'spectacular' and 'buttock-clenchingly magnificent' applied to it. OK, I exaggerate with the last example but the A830 road is no stranger to hyperbole.
That unavoidable Hogwarts Express
So, in short, it's worth it for the drive alone - though rail enthusiasts might prefer the Jacobite steam-hauled service - no doubt joined by the Harry Potter fans keen to experience Hogwarts Express. (Book well in advance - it's fearfully popular!)
Aside from the scenic ambience, between Glenfinnan and Mallaig, it's worth stopping off at Arisaig, then go on to discover the White (or Silver Sands) at Morar before arriving at the faint anticlimax which is Mallaig. (Good local heritage centre though and a harbour stroll is always diverting.)
Finally, - see the map on this page - if you are route-planning you may be tempted by the circular route that (clock-wise) goes south from Fort William, across the Corran ferry (frequent, non bookable) and joins the Road to the Isles at Lochailort via Strontian and Acharacle, so that you visit Glenfinnan on the way back, as it were.
This is a great scenic journey too - but allow plenty of time on the Strontian to Glenuig section as it is mostly single track and is heavily wooded in places with lots of blind bends. The coast around Glenuig gives excellent views of the Small Isles and the mountainous profile of Skye.


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The Only Financial Advice I'll Ever Give
Since, in the last two blog posts, I predicted that we would surpass Dow 10,000 and Dow 11,000, I feel compelled to add a few words to this discussion just to make sure that there is no miscommunication.
A word of caution first: I am not a financial professional and do not play one on TV or anywhere else. So please consult with one before making any big move in the markets or anywhere else. The opinions provided in this piece are strictly my own—a financial amateur—and should be taken as such. The fact that they have been informed by some of the best financial authors out there does not negate the need to consult with a financial professional.
Let me begin by saying that no one has a clue which way the markets will go from here. I get the feeling that we are at a crossroads and will either be heading significantly higher or, if not, will tank again and test the lows of about 7,500 in the Dow that we saw in late November 2008. The purpose of this post is not to tell you which stock or mutual fund to buy (although I will mention two funds below, something I will do this one time only), but to help make sure that the distribution of your assets is appropriate for you.
It is not which stocks that you own that will be the key determinant of your financial future. That will of course make a difference, but 95 percent of how you do in the future will be determined by something called asset allocation.
Asset allocation simply refers to how you will divide your money among something else called "asset classes." Asset classes include stocks, bonds, cash and real estate. The biggest money mistake people make, by far, is that they focus too much on an individual stock or fund (or group of stocks), and they don't keep the big picture in mind (that is, the entire asset allocation mix). For the money that you do have invested, one very good rule of thumb comes from John Bogle, the founder of Vanguard, the mutual fund company. He recommends, as a very general rule, that you divide your investment among stocks and bonds depending upon your age: a 40-year-old should have 40 percent of their investments in bonds, an 80-year-old should have roughly 80 percent of their money in bonds. Whatever your age, that's about the percentage of your money that should be in bonds.
Some specifics: while I do own a few stocks, I feel that there is no reason to own any individual stocks. Rather than gamble on a few stocks that may gyrate wildly—who could have seen the end of Bear Stears and Lehman Brothers—own the entire stock market. You can do that by purchasing one mutual fund that owns the entires stock market. It is a Vanguard fund (and yes, one that I own), called the Vanguard Total Stock Market Index (VTSMX). Today that fund sells for about $22, which means for $22 per share you can own a piece of the entire stock market– that is, a tiny portion all of the thousands of stocks on all of the exchanges. That would be a great place to park your long term money—the percentage that is discussed in the paragraph above.
As for where to put your bond money, there is one fund which has performed remarkably well over these last months and years. It is called a "Ginnie Mae" fund, and the one that I own is also a Vanguard fund (all Vanguard funds have no loads or commmissions and tiny expense ratios, which is another key to long term wealth). The symbol for this fund is VFIIX and it just reached a new high at $10,69 per share. It pays an annual yield of just under five percent. That is a great place to park at least a substantial portion of the bond money as outlined above. If you are not invested you can open up an online account at a place like TDAmeritrade or eTrade or Scottrade, etc. and buy the funds through that acccount.
A few words about the other two asset classes—-cash and real estate. Never be afraid to keep money in cash or bank CD's for a limited amount of time. Safe is always good, especially in today's turbulent times. However you arrange your investments, you have to be able to sleep at night and if your investments are keeping you up, you should put more of your money in something safe such as cash or a savings account. As for real estate, I am a big believer in buying when there "is blood in the streets," meaning when everyone else is selling. While real estate prices are continuing to fall, keep in mind that it is a fool's folly to try and time the bottom of any market, real estate included. Real estate has come down by record levels, so if you are in the market for a home, and can qualify for a loan under the new and much stricter loan rules, today is a great time to buy a house. Look for a really motivated seller and put in a lowball bid—perhaps fifteen percent lower than the asking price— and see what happens. Many people have to sell now just to stay solvent, so you may be able to walk away with the deal of the century.
Lastly, never do anything out of emotion if you can help it. Research connfirms that people tend to do exactly the wrong thing when ruled by emotion. For example, when the Dow sunk to 7,500, many people could not take it anymore, and cashed out. We are significantly above that now, and I believe from a historical perspective, Dow 7,500 will look like a bargain.
One final point that I am sure you already know: never carry credit card balances if you could help it. The percentages they charge on interest should literally be a crime (some upwards of 20 percent). If you come into any money, and have any credit card balances, pay them off first. Credit card companies make the bulk of their money on those that carry the biggest debt load. Don't let them get rich at your expense.
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I am participating in Year of Projects with a goal of completing at least 25 different crochet bags and cozies. As of the last update I had only completed some sine gift bags but this week I finally did a couple of other bags.
Inspired by the design shown on ValliesKids (Get Your Granny On Bag), I made two different crochet granny squares and stitched them up into bags. I just made the square as big as I wanted it, folded the corners in and stitched the seams together using single crochet. I left one triangle of the square un-stitched to create the opening for the pocket.
I will be adding a button to the corner where the flap closes to close it. I may or may not add handles. Most likely I won't because I'll be using these as gift bags. I'll wrap whatever the item is in tissue paper and stick it inside the bag, button it up and there's my gift wrap – which is terrific because I am terrible at wrapping presents! :) If I do add handles then I'll just do some type of simple stitch, probably hdc, and make a long chain for a shoulder strap.
The yarn is just "whatever" yarn that came in a box sent to me from my dad who got it at the thrift store there. Thanks, by the way, to everyone who commented on last week's post about how great my dad is for sending me yarn. He got to see those comments and was very happy. You're all super kind. :)


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Good man, Jim Bates, who we got to know very well when he was defensive coordinator for the Atlanta Falcons in 1994.
Not good enough, though, to rescue this Titanic of a season for the Miami Dolphins. But then again, owner Wayne Huizenga could have summoned the ghosts of Vince Lombardi, George Halas and Tom Landry on Monday evening, after Dave Wannstedt had put himself out of his misery by resigning, and it wouldn't make any difference for 2004.
In fact, nothing, not even Bates working 18-hour days (which he probably will), can clean up this mess. Huizenga, who made his fortune in waste disposal and understands a thing or two about scrap heaps and landfills and the stench of wretched refuse, certainly knows there is nothing to be salvaged from this train wreck of a season.
Our guess is that none of that will matter to Bates, whose basic pragmatism is likely to be overshadowed by his own pride, and the belief he might be able to at least get the ship pointed in the right direction for whatever big-name coach inherits the dawdling Dolphins in 2005.
It is, of course, a thankless role into which Bates has stepped. But then Bates isn't one of those guys who needs a slap on the back or a hearty attaboy to motivate him. He will put his head down and forge ahead, make whatever personnel and schematic changes he deems reasonable and try to straighten up the mess as much as possible, so that his successor doesn't walk into a completely unkempt and untenable situation.
Our guess is, too, that Bates will be somewhat flexible in listening to ideas, not only from his assistants but also his players. How do we know that? Because we have watched Jim Bates mature from an intractable coach, one who was dead certain that the unusual 5-2 scheme he installed with the Falcons in 1994 would work, to a guy who underwent a metamorphosis of sorts when the college-style defense failed miserably.
A decade later, that 5-2 scheme is barely an entry in the Bates memory banks. There are some detractors who strongly suggest that Bates, a 4-3 guy now, has played things a bit too safe during his Miami tenure. That the "shell" secondary coverages to which the club often resorts, even in those seasons when the Dolphins openly declared they had the best single-coverage cornerbacks in the league, lack creativity. That the results have not quite risen to the talent level on-hand.
Some of those criticisms might be justifiable. But at the end of this season, when he takes his leave of the Dolphins, the bet here is that no one will criticize Bates for not trying to tidy up the organization for the next full-time head coach. Even that task, league history indicates, won't be easy.
In becoming the first interim coach in the NFL since Wade Phillips replaced Dan Reeves for the final three games with the Falcons in 2003, Bates is the 11th in-season replacement in the past decade. He is also the 55th in-season replacement since the 1970 merger, and the track record is reflective of just what a thankless role he has accepted.
Just 10 of the replacement coaches carved out winning records, and that includes four who coached in three games or less. Of the 26 who inherited a team with at least seven games remaining in a season, just five finished with winning marks. The cumulative record for the 54 replacement coaches is 110-242-1, a microscopic winning mark of .313.
None of those numbers will matter, of course, to Bates. A head coach again for the first time since he ran the San Antonio Gunslingers of the USFL in 1984-85, he will do what all coaches do, and that is to try to win the next game on the schedule. Hopefully, Bates can notch a victory or two before the year runs out. And, if he does, hopefully some folks will be paying attention.
Last time we checked, the folks at the University of Florida were looking for a new head coach, and Bates has some Gators ties, having once served as defensive coordinator there. The whispers from people I talk to in Gainesville are that the Bates name doesn't have the kind of cache the school needs. But if Bates wins some games with the rag-tag outfit over which he suddenly presides, athletic director Jeremy Foley could do much worse than to consider him a candidate.
A good guy thrown into such a morass of a situation, Bates isn't likely to want anyone to feel sorry for him, but he will need a job in a couple of months.
Len Pasquarelli is a senior NFL writer for ESPN.com. To check out Len's chat archive, click here.