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In a year that never failed to ruin our belief in humanity, at least there was one thing we could count on: Kate McKinnon can do no wrong. This isn't even an opinion: she's literally spent this year booking roles and winning actual awards to prove she's our hero. Here are some of our fondest McKinnon moments from 2016. Here's to many more in the future!
Alongside Kumail Nanjiani, Kate McKinnon stole the Independent Spirit Awards and especially won us over with this delightful parody of Carol.
Say what you will about the Ghostbusters remake, but we can easily say a lot of wonderful things about Holtzmann. As a quirky scientist with a thing for goggles, Kate stole the screen and became everyone's go-to Halloween costume. We can only hope we get to see more of her in the future!
If there's something strange in your neighborhood, who you gonna call? This miniature Kate McKinnon collectible! You know you had a good year when they immortalize you in plastic.
Leave it to Kate to shine the brightest in a rip-roarin' ensemble comedy about an - you guessed it - office Christmas Party gone crazy. Thankfully this movie is now in theaters, because a little Kate McKinnon is what our holiday season needs most.
You know how great you have to be to nab an Emmy for Best Supporting Actress in a comedy on Saturday Night Live? You have to be Kate McKinnon great. That's a new level of legend. Now let's revisit some old faves...
Truly no Saturday Night Live sketch is closer to our hearts than 'Whiskers R' We.' With a delightful array of increasingly deranged cats and increasingly obsessive girlfriends, Barbara DeDrew navigates the world of cat adoption in a way that keeps us laughing nonstop. You can catch every 'Whiserks R' We' sketch here.
One of Kate's most iconic SNL moments in 2016 was as one of 2016's most iconic characters. As Eleven from Stranger Things, Kate brought bloody-nosed, buzzed-hair goodness to everyone's favorite telekinetic pre-teen. Watch the sketch here.
We don't need to talk about how rough this year's been in regard to actual Hillary Clinton, but Kate was with us for the highest highs and lowest lows. SNL's most chilling moment easily came in the form of a cold open performed by Kate as Hillary singing Leonard Cohen's "Hallelujah." There were no lyric changes, and this haunting rendition will stay with us for a while. We'll miss you, Hillary.
Kate may have had to put Hillary behind her recently, but she's still got plenty of political characters to play. She's now especially shining as Kellyanne Conway, Trump's campaign manager who seems to spend most of her desperately trying to make sense of his Twitterstorm nonsense. It's possible she's making Kellyanne a hair more compassionate than we should consider her, but that's the magic of Kate.
Do you know how hard it is to love cats more than we do? It's virtually impossible, yet here Kate is with Nino, her "son," that she takes every possible opportunity to gush about on television. Kate, we're so glad to have you (and Nino) on our team.
Remember how it's literally fact that Kate McKinnon had a pretty good 2016? She even nabbed a Critic's Choice Award for Best Actress in a Comedy Series this month, because why not eke whatever good things we can out of this nightmare year? We're sure that 2016 is just the beginnning of Kate's comedy takeover, and we'll happily support her every move. Apparently, so will everyone else too!


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Raloid Tool Company has an extensive list of new and used tooling and equipment for various applications. Our equipment includes batch ovens, Clamping fixtures, presses, conveyor ovens, gaging systems, grinders, machine shops, presses, "smart cart" systems, drilling machines and more.
See all of our equipment on the Equipment Page of our site.
Raloid Tool Company is a machine manufacturing company serving industrial hotspots such as Albany, Detroit, and Atlanta. Raloid has an extensive list of new and used tooling and equipment for various applications, including machine manufacturing and friction material manufacturing. Our equipment includes batch ovens, clamping fixtures, presses, conveyor ovens, gaging systems, grinders, machine shops, presses, "smart cart" systems, drilling machines and more.
Raloid Tool Company, Inc. has been in business since 1945 producing tooling equipment for many diverse applications, including all aspects of friction materials manufacturing. A major aspect of our business involves the custom design and building of precision machine products for the braking industry.
We have manufactured equipment, tooling and components for such diverse applications as; Press Systems for ferrite, rubber and friction products, Finishing Systems for friction products, Automated Systems for respirators, sweat bands, breast pads and ear plugs, as well as an array of equipment and tooling components for use in brakes and related systems.
Raloid's experience encompasses all facets of disc brake, drum (segment), block, off-highway, and special application friction manufacturing as well as brake manufacturing in tooling, equipment and gauging and fixturing requirements.
Raloid also offers through its Special Equipment Operations Group, complete equipment subcontract engineering, fabrication, testing, and installation if required.
We maintain within our facility complete electrical, hydraulic and mechanical assembly through our testing areas. We offer complete equipment lines designed for friction materials applications. Raloid will quote complete turnkey systems or partial components. We also maintain a large subcontractor base for any special process or procedures that may be required. If you need to outsource engineering requirements, Raloid Tool would be happy to provide you with a quote. Call us today at (518) 650-3087.
Raloid has the engineering capability for tooling, equipment, and gauging requirements, however, we can also quote from your design and engineering specifications. We are known for our expertise in building equipment to the customer's specifications. We have the capability for design manufacturing on OEM, OEM Service, and Aftermarket applications. We also have the capability for single-part to semi and full production requirements.
Raloid Tool offers full capabilities; computerized operations and technologically equipped facilities help us manufacture even the most complex orders quickly and more economically. Our advanced resources allow for easy flow production capability and processing, which gives us better quality control over products.
Proudly serving Albany, NY; Detroit, MI; and Atlanta, GA!

subset: commoncrawl


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Anni Dewani honeymoon murder inquest will not be resumed: coroner
There is no "sufficient cause to resume an inquest" into the death of murdered bride Anni Dewani, a coroner has ruled.
Millionaire businessman Shrien Dewani was cleared last year of orchestrating the honeymoon killing of his 28-year-old wife, who was shot as the couple drove through the outskirts of Cape Town, South Africa, on November 14 2010.
Mrs Dewani's family argued that there were still many unanswered questions about how she was killed and asked for a full inquest to resume.
But at North London Coroner's Court, Senior Coroner Andrew Walker said: "I don't have sufficient cause to resume an inquest.
"In these proceedings, the matter will now rest."
Mr Walker said: "The fact that there are differing accounts of how Mrs Dewani came by her death does not, in my view, mean that the matters have not already been sufficiently established in public proceedings."
He added that if new evidence, beyond that which already exists, comes to light, it would be open to the family to write to the Attorney General and request that matters be reopened.
Mr Walker told the court that he was "prohibited" from reaching a conclusion which was inconsistent with the findings of the South African courts.
Representing the family, Christopher Staker had submitted that "as a result of the proceedings in South Africa, in this case, more questions have been raised than have been answered".
He continued: "The family's primary preference would be for an inquest to proceed now.
"The reason for that is that there is simply, as a result of what has happened in South Africa, no clear picture - in fact we have a contradictory picture - of what happened between the time that Anni's parents last spoke to her on the evening of 13 November 2010...
"On the morning of 14 November 2010, at 7.50am she was found dead in a car in Cape Town, with a bullet wound to the neck.
"The question that the family are desperately seeking an answer to is what happened between the time that her parents last spoke to her on the evening of the 13th, and the time that she was found dead the next morning in a car.
"And what circumstances led from one to the other."
Mr Dewani, 34, did not attend the hearing, but wrote a letter which was read by his wife's father, Vinod Hindocha, 66, and uncle, Ashok Hindocha, 55.
He was extradited to South Africa last year but the case collapsed after a judge found that it was "riddled with inconsistencies".
It meant he walked free before having to give evidence and he has never spoken publicly about what happened.
In a statement read out to the court, Mr Dewani described himself as "bisexual" and admitted he had slept with male prostitutes.
A key witness for the prosecution was a male escort who went by the name The German Master, but his evidence was ruled inadmissible.
Three men - Zola Tongo, Mziwamadoda Qwabe and Xolile Mngeni - were given jail terms for their role in Mrs Dewani's killing.
Read more here:
Six reasons Shrien Dewani was acquitted of wife's honeymoon murder
Timeline of Dewani murder case
Family of honeymoon murder victim weep as husband cleared
Press Association
Promoted Links
Related Content
- Dewani gay escort had secret meeting with Anni family
- Former murder suspect Shrien Dewani's home vandalised after return from South Africa
- Honeymoon murder case husband set for return to UK
- Family of murdered Anni Dewani considering civil action against Shrien following acquittal
- Family of honeymoon murder victim weep as husband cleared
- Six reasons Shrien Dewani was acquitted of wife's honeymoon murder
- Timeline of Dewani murder case


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The Murder Game Trailer (2006)
"Wanna Play?" 03 May 2006 Horror 87 mins
A group of teenagers invent a game in which one of them is secretly chosen to be a "killer," while the others remain innocent victims. Armed with prop weapons, the "killer" must eliminate the other players before being found out. To enhance their experience, the teens sneak into a large self-storage warehouse during its closed, late-night hours to hold their game. At first, it's better than ever. But, things take a horrific turn as one by one, the players begin dying...for real.
Watch the official The Murder Game 2006 trailer in HD below or find more The Murder Game videos on Vidimovie.


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Intrum Justitia completes acquisition of 1st Credit
As previously reported, Intrum Justitia concluded on November 10 2016 an agreement to acquire 1st Credit, a company active in purchased debt in the United Kingdom. On February 14 2017, Intrum Justitia completed the acquisition. 1st Credit will be consolidated from February 2017.
For further information, please contact:
Erik Forsberg, CFO
Tel: + 46 8 546 102 02
Intrum Justitia is Europe's leading Credit Management Services (CMS) group, offering comprehensive services, including purchase of receivables, designed to measurably improve clients' cash flows and long-term profitability. Founded in 1923, Intrum Justitia has some 4,000 employees and operations in 20 markets. Consolidated revenues amounted to about SEK 6.1 billion in 2016. Intrum Justitia AB is listed on Nasdaq Stockholm since 2002. For further information, please visit www.intrum.com


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Give your feet the desired comfort & catchy looks, slipping them in our trendy Ladies Slippers, Kids Slippers, Gents Hawai Chappals, etc. ..
About Us
No distance is far and tough to walk, wearing the comfort of the footwear, designed by Rupal Enterprises. Welcome to our website, we are a prominent manufacturer, exporter, service provider and supplier, making available trendy Ladies Slippers, Gents Hawai Chappal, Kids Hawai Chappal, Eva Sheet Of Printing Embossing Chappal Bottom, etc. Giving high attention to the comfort, our company designs its entire range. The base of our footwear is always from soft cushioning material, which gives comfort to the feet, while the neat stitching and mesmerizing design enhances the looks of the array. For making our products perfect for a large number of people, we are offering the footwear in several sizes, designs, colors and patterns. Some of the outstanding attributes that have become identity of our footwear are their captivating designs, excellent finishing, lightweight and flattering looks. Further, we are having an edge over the competitors due to focus on the suggestions of customers, zeal to bring innovation in the range and transparency in deals.
Quality We Serve
When it comes to buying footwear, first thing which every customer wants is comfort. Merging comfort and fashion in a blend, our entire range of Gents Slippers, Ladies Hawai Chappals, Printing Embosing Chappal Bottom, etc. is designed. Following a TQM policy, our array is made by the skilled workers from finest quality fabrics and materials. Further, our footwear are offered to customers after clearing the conducted series of quality tests. The array is evaluated on the grounds of its neat stitching, comfort, looks, design accuracy, etc.
What Is In Our Showroom?
Our enterprise is dedicatedly manufacturing, supplying, exporting a collection of the following footwear:-
- Slippers
- Ladies Slippers
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- Hawai Chappal
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- Kids Hawai Chappal
- Printing Embossing Chappal Bottom
- Eva Sheet of Printing Embossing Chappal Bottom
Services Rendered
We are providing the services, mentioned below:
- Footwear Printing Services
Infrastructure We Own
We are famous in the footwear industry for our modern infrastructure, which is spreading over a massive space. Its interlinked departments of quality checking, storage, production, designing, packing, etc. give our experts a platform for carrying their job works in complete coordination. Once the creative design layouts are prepared at the designing cell, imaginations are converted into finished pieces at the production cell. In the manufacturing wing, we have specific machines & tools that aid in cutting, stitching, finishing and all the footwear making tasks. Further, our range is packed to ensure its safe storage & transit and then stocked at our spacious store.
Most Popular Products
Plot No.L-2/18, Budh Vihar, Phase-1,Delhi - 110086, India
Mr. Arun Rana (Proprietor)
Mobile :+919868943508, +919718199651, +919555450063
Mr. Dinesh (Manager)
Mobile :+919718199651


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I have used this storage facility for about a year. I always found the facility very clean. Never had a problem with vandalism nor rodent or insect infestation. The managers of th...
All reviews seem positive
Mini Storage
From family friendly trips with kid friendly activities to local plumbers lawyers, spas, and contractors. Judy's Book has millions of listings and reviews for the best and not so great. Whether you're looking for a specific business or just trying to discover great places we make it easy. We're a family oriented site focusing on bringing trusted reviews and recommendations to moms and others. Green and Sustainable places are becoming more relevant to Judy's Book users, have a favorite place? Write a review and tell users why it's Green!


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Gnarly stands for adventure.
We organize high-end races catering to all levels of athletes. We have been part of a team that has organized over five races in the last 2 years.
Nakhipot Urban XC 2016
Magical ILAM will kick start the 2016 race in the Eastern part of Nepal. | ILAM, NEPAL
Asian Enduro Series
| Kathmandu, Nepal
We organize stellar trips across the Himalayas.
Our training program is open to all levels of riders - from beginner to pro. Anyone is welcome to join and practice skills with us! :)
The trails that we provide have been created after years of riding on the trails. We leave no stone unturned to make your adventure a memorable one.
We go great lengths to ensure you a local and thrilling adventure, whether you're on holidays with us or racing in our events.
We have some of the most qualified and down-to-earn guides on a mission to show you the best time in the Himalayas.
Gnarly firmly believes in making a positive impact in the society. Our programs are designed to support the enivronment and create a positive change.
We treat every guest with uptmost care and individualize our services catered to requirements and needs.
We have a solid training plan for women and youth to be involved in adventure in order to empower them.


text: Biofriendly Corporation announced the completion of a report by MAN B&W. The report shows the details of an engine maintenance inspection on a 14,063 ton container ship powered by a MAN B&W two-stroke engine. The test was completed after Green Plus had been present in the engine for nearly one year. The report confirms that Green Plus does not cause harm to a Man B&W 2 stroke engine. Although MAN B&W has a policy that does not allow the endorsement of individual products, the report led the company to issue a "Letter of No Objection" where the manufacturer states that, "Through the inspection by MAN B&W, it was concluded that the product does not have any harmful effect on engine components or the performance of an engine." This test result is another in a long line of positive independent and certified tests of Green Plus. Each of these third party results supports the claim that Green Plus is the world's most effective and economical solution for significantly reducing emissions, improving fuel economy and enhancing engine performance.


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Just back from a relaxing stay in the Ambassador. We were a party of 6 adults on a Groupon break and we really had a good time. The rooms were a bit dated but clean and the breakfasts were really nice and served by very attentive staff. There was a well stocked bar and the downstairs lounges were clean and comfortable. We have all agreed that we will visit the Ambassador again soon as we enjoyed our recent stay.
- Official Description (provided by the hotel):
- A uniquely styled traditional, family run, independent hotel for individual people. The Hotel is renowned for comfort, service & friendliness, but with a commitment to standards & disciplines, with a belief that this has to be affordable.Relaxing lounges or one of Llandudno's best stocked bars, the choice is yours at The Ambassador.Our Patisserie is open from 10.00am to 5.30pm daily, where you can relax with a pot of tea or coffee. Spoil yourself with a sandwich made on home-baked bread, peraps indulge in a cream cake or afternoon tea. Our Head Chef and his team provide interesting and varied menus in The Restaurant based on local produce. All bedrooms are equiped with tea/coffee making facilities, direct dial telephone, multi channel flat screen Television and hairdryer.Strategically placed, exactly halfway between the bandstand and Pier. Getting about could not be easier - turn left from the front door and you are on the Promenade, turn right and ahead is the main shopping area of Mostyn Street, with many national and international stores.... it's so convenient!The Williams family is now in it's third generation of caring for guests, many of whom have been returning for over 30 years. Why not join them! ... more less
- Reservation Options:
- TripAdvisor is proud to partner with TripOnline SA, LateRooms and 5viajes2012 S.L. so you can book your Ambassador Hotel reservations with confidence. We help millions of travellers each month to find the perfect hotel for both holiday and business trips, always with the best discounts and special offers.
- Also Known As:
- Ambassador Hotel Llandudno, Wales


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Arsenal vs Bournemouth 12/28/2015 Premier League Preview, Odds & Predictions
Bournemouth vs Arsenal
Monday 28th December 2015 12:30(ET)
The Line: Arsenal 2/5 Draw 4/1 Bournemouth 7/1 See the Latest Odds
TV: Premier Sports; NBC Sports; Westwood Sports
Arsenal will look to get their title challenge back on track when they take on Bournemouth on Monday. Arsenal were embarressed on Saturay when Southampton completely outplayed them and won the game 4-0, the Saints exposed some serious problems at the back that Arsenal have and that is Per Mertesecker against pacey opponents. Arsenal struggled to deal with Shane Long the entire night and Bournemouth may look to focus on that perceived weakness when the two meet on Monday. With Walcott, Campbell, Ozil and Giroud though there is plenty of attacking talent here in this Arsenal side to be able to take on the surging newboys. Arsene Wenger knows his side gifted away the three points they gained against Manchester City when they lost on Saturday and with Leicester playing Manchester City on Tuesday he knows his side have a real opportunity to take top spot.
Bournemouth are unbeaten in their last six games and have wins over Manchester United and Chelsea over that span, they will not fear a trip to the Emirates but Eddie Howe must be careful not to be too expansive against this Arsenal team as Arsenal's pace and counter attacking skills can really hurt if allowed to. Bournemouth have managed to find the net ten times in the last six games and the team seems to have finally recovered from the loss of Wilson. Murray, King and Stanislas have all found the net in recent weeks and they will look to expose an Arsenal back line that have not been great of late.
Interesting game here, Arsenal definitely deserve favouritism but at 2/5 I cant see any value in taking the gunners. I'm going instead to take the overs here. I think that both teams will get on the scoresheet here, not sure if Bournemouth can continue their unbeaten streak but I think they will give it a good go. Arsenal better be careful not to under estimate this team as Bournemouth will work their socks off and can be a match for anyone work wise.


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Distances are calculated in a straight line and may not reflect actual travel distance.
It is important to note that this mortgage calculator is for guidance purposes only. Mortgage lenders have their own affordability criteria therefore it is important you speak to one of our Mortgage Advisers for further information and a more accurate indication of what products may be available to you and what your monthly mortgage payments are likely to be.
Friars Oak House is a handsome and remarkably charming Grade II listed family home in a convenient location. The property offers spacious accommodation with wonderfully proportioned rooms throughout and a character you would expect from a home such as this and would benefit from some updating.
The accommodation is arranged over two floors and approached via a large reception hall, with bay to the front. The current owners have considered separating the hall to provide an additional reception room.
The drawing room is bay fronted with a feature fireplace and is of a very good size with high ceilings adding to the spacious nature of the room. The dining room beyond is inviting and a wonderful room for formal entertaining. Double doors from both of these rooms lead into a vaulted conservatory which offers a delightful outlook of the gardens.
The kitchen/breakfast room has a charming farm house style feel to it with timber units, large Aga and cooker alongside. A raised breakfast area provides ample space for family and friends to dine more informally and makes this room the heart of the house. Beside the kitchen is a utility room with rear access and an ideal space for muddy boots. The kitchen also leads into a lobby, with a bedroom and shower room alongside, stairs rise to an upper level. The current owners have thought about separating this area from the main house to provide an annex with access to the courtyard.
On the first floor there are five further double bedrooms, one of which has its own bath and shower room. The family bathroom has a freestanding claw foot bath and a separate shower cubicle, this is in addition to a separate cloakroom.
Friars Oak House is situated on the outskirts of the village of Hassocks and is close to the golf course and within walking distance of the local mainline train station with its fast links to London and Brighton. Surrounded by beautiful and picturesque Sussex countryside the local village offers a range of amenities including various shops, cafes, banks, chemist, sub post office and modern health centre. Convenient road links provide access to the A23/M23 and Gatwick Airport.
The front of the property has a gated private driveway providing ample parking. The gardens and grounds extend to approximately 0.21 hectares (0.519 of an acre) and are predominantly laid to lawn, interspersed by mature trees and shrubs. The gardens offer a good degree of privacy and within the grounds are two useful outbuildings currently used for general storage and garden machinery. The gated courtyard to the rear of the house provides further parking.
Handsome Grade II Listed Family Home
Six Bedrooms
Drawing Room
Dining Room
Kitchen/Breakfast Room
Utility Room
Reception Hall
Family Bathroom
Ground & First Floor Cloakrooms
Contact branch for relevant Energy Performance Certificate
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I am trying to setup IIS 8.1 for rapid deployment. We are planning to make clones of the virtual machine once InfoSphere is installed.
Please let me know if any one has any thoughts on this. Will changing the hostname break the system?
One thought I had was to run the install using the response file, and change the hostname to be "localhost". I am hoping this will take care of the system even when it is cloned.
Any inputs?
GautamSarup 270002Q51Q
1 Post
Pinned topic Rapid Deployment of IIS 8.1
Answered question This question has been answered.
Unanswered question This question has not been answered yet.


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This is a very good place to stay. This property is on main road(NH 8). Breakfast is not up to the mark. Rooms are cozy but well maintained. Very near to Ambiance mall Gurgaon. Airport is just 20 minutes drive.
Getting you more information on this room
Getting you more information on this room
"Before booking always call and ask which side of room they are going to give you."
"stay on ground floor where wi-fi reception is good. the food court is also on the ground floor."


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Register online today by completing the required fields below and clicking submit OR print the PDF form at the bottom of this page and mail in using the schools address below.
Thank you for submitting your child's registration form to the Aurora Cooperative Preschool. Upon receiving your completed electronic registration form you will be sent an electronic invoice of $84, which includes a $4 payment processing fee. *PLEASE NOTE: Your child will not be enrolled in our program until both the form and fee have been received.
Registration Form 2017-2018 PDF: If you would prefer to submit your registration form and fee via U.S. mail, please print the form below, complete and mail with check to the address below. Makes checks payable to Aurora Cooperative Preschool.
Click Here To View
School Calendar: Click Here To View
Our Address:
Aurora Co-op Preschool
Attn: Registration
8558 Crackel Road
Bainbridge Township, OH 44023


text: Will be in Piscataway in mid-may for a science fiction "steampunk" con. My husband and I will be based out of the Radisson there. Rather than eat hotel food all the time, we'd like to find any interesting places to eat,hole in the wall to ridiculously upscale. We love just about anything. We will also be driving around the area up to Somerset and maybe Woodbridge to do some reminiscing when I used to always be in the area visiting my Hungarian relatives back in the 70's and 80's. I gather that the City Bakery is long since closed. Used to take home dozens of the "hard rolls" from there. Is there anywhere similar to get rolls at?


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people who have superior (110-130) & average(90-100) level IQs?
sort by best latest
1 Irritated by everyday stupidity.
2 Bored by most of popular culture.
3 Fascinated by things most people can't even understand.
4 Tend to see things coming that others don't.
5 Have trouble empathizing with most people.
6 Perceived as arrogant.
7 Have trouble conforming to societal norms.
You can help the HubPages community highlight top quality content by ranking this answer up or down.
Don't know any, but suspect it would be being able to successfully undertake the IQ Tests presented to them. Being able to do IQ tests and obtain extremely high remarks is not necessarily a sign of brilliant intellect. At least, that is my opinion. Of course, it is only an opinion; an idea arising in a conditioned mind - much as both of ours, I suspect.
And, of course, having a high IQ is no guarantee of success - however that may be defined - in life. Surely it is the qualities a person has which determines that. So if a person is really intelligent they become a pioneer in self-understanding so that they can have a meaningful life, one that gives them satisfaction and, at the same time, contributes to lifting others.
Such a view, of course, brings into the equation something which was missing until a decade or so ago by people who study people: the EQ. Emotional Quotient. But we won't go into that here.
You can help the HubPages community highlight top quality content by ranking this answer up or down.
I think IQ tests and other measures of intelligence are measures of what I would call second order intelligence.
If you take an IQ test and introspect about the thoughts and processes running through your conscious mind, you see that all you are doing is manipulating imaginary objects. Translating, rotating, flipping, summing, superimposing, labeling objects with other objects, be it sounds, images, feelings, so that you may hold and then recall more effectively.
A computer works quite the same. At the foundation everything is a number in binary form and everything that happens is an arithmetic operation. through layers of abstraction it is possible to turn that into hubpages and the text on the screen.
When you introspect you see that your intelligence is quite primitive. The operations taking place as you think and problem solve are simple and very much tied to your senses and your model of the physical world. When we ponder over highly abstract concepts you see that you're really pondering over real objects that you've acquired through your senses. And even then the abstraction level is what I called second order, compared to a computer system which may go through many layers upon layers of abstraction.
So it would seem to me that intelligence is a measure of the speed, error rate and bandwidth of your brain and and then the abstract as measured by an IQ test.
Then there is emotional intelligence, since we cannot separate our activities from emotion this is obviously just as important. Your ability to handle pressure, to understand yourself and others, is paramount to being effective in the world.
Anyway, an IQ of 160 and above is high enough, far enough away from a standard deviation of 15, that it is certified genius.
One difference I would note of people I've read about and seen on TV with IQs in the 200s in some cases is that they are remarkably practicle, normal, human, and have enormous memories, probably a consequence of interconnected of ideas.
The only difference I see is that they are much more at home in the realm of the abstract. It's as natural to them as a bouncing ball is to a monkey.
You can help the HubPages community highlight top quality content by ranking this answer up or down.


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Espeez Blue Raspberry Cube Pop ~ 100 Count
|The great taste of Blue Raspberry in a lollipop that is shaped like the old fashioned cube pops. Made by Espeez.
Packed in crystal clear tub displays, great for counter display.
Blue Raspberry Cube Pops - 100 count tub. Net wt. 74oz.
There have been no reviews


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Content writing strategy is clear and simple. You need to write fresh and good content for your website or blog to boost Seo ranking ,Decrease market competition , increase commercial values and level of traffic. Good and popular keyword in your content makes it rank highly in search engines.
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Text Type information or contain is the most understandable content by the search engine. If you writing a content must remember that your contain should have at least 30% text contain.
Some point about Content writing …
Sentence should be shorter and point to point.
Try to write one paragraph for One Idea.
the inverted pyramid style, putting the most important point or the conclusion first.
Content should be on simple word that all type of visitor can understand.
bulleted lists.
highlighted text (bold or color, also hyperlinked text) for scan ability.
meaningful headlines and subheads, avoiding cute or clever lines.
More then 50% visitor on web does not have the patience or time to read all text content. Therefore to attract those viewer you much have pictorial representation on your web content.
Viewer Read capability are 25% slower on screen then printed book. So you should use that type of pictorial representation a viewer can understand about your product or subject in few seconds.
A pictorial representation can be different type….
Pictorial Drawing.
Some visitor on web does not like to read or can not read. For those visitor audio representation is one of the medium to understand web content. If you want to reach every visitor on web , your content writing must have audio representation. If you thing Blind people can not see pictorial or text representation. So here audio representation makes a valuable contribution .
Now a Days where youth can communicate with video representation then anything else. Video representation can content your every information and present it like a short movie. The increasing viewership of YouTube videos, whatapp videos ,Facebook videos are the prove that todays viewer are not like to read whole web content .They just like to watch video content.
Content writing on web should be a good mixture of text content,Pictrorial content, Audio and video content that every type of user can communicate with it .Simple form can be use to reach all type of viewer and rank high in search engine.


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MOVIE SYNOPSIS [ General Audiences ] With an impeccable performance of Malaipet Sasiprapa y Nick Orefice, this film directed by David Huey was premiered in cinema in 2009. The film "Legendary" had an original production of USA. You can watch Legendary online on TV cable or theaters with original audio in English at different dates. This film premiered in theaters in 2009.
Rating: 5 by 11 users./
Runtime: 107 minutes
Malaipet Sasiprapa and Nick Orefice.
107-minute film (full movie) directed by David Huey.
The original audio of Legendary has dialogues in Dolby Digital, it was produced in USA.
It premiered in cinemas or television in 2009.
David Huey and Ed Tillman.
Mongkhon Wiwasuk and David Huey.
This film was produced and / or financed by Cine Excel Entertainment.
Cine Excel Entertainment.
Without commercial breaks, the full movie Legendary has a duration of 107 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, Legendary in FULLTV Movies.


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Eleven Things You Didn't Know About 'Stand by Me'
It's hard to believe a quarter of a century has passed since Chris, Gordie, Vern and Teddy set out to find the body of Ray Brower. The 25th Anniversary edition of Stand By Me was recently released on Blu-ray, with an all-new picture-in-picture commentary track featuring Rob Reiner, Wil Wheaton and Corey Feldman that offers some cool new insight and stories from the making of this coming-of-age classic. Also included in the new Blu-ray is the Walking The Tracks documentary, an additional audio commentary by Rob Reiner and of course, a remastered version of the film. Here are eleven things you never knew about Stand By Me.
- The leech incident really happened to the author of the original story, Stephen King. A lot of the things in the story are drawn from his childhood and real friends.
- The boys were known to party hard. Corey Feldman and River Phoenix were the hellraisers of the younger kids. According to Corey, they frequented a local nightclub, even though they were underage. Corey drank his first 40 oz. beer, both of them smoked pot, River lost his virginity and a hotel lobby was trashed. Of the older actors, John Cusack and Keifer Sutherland were the troublemakers.
- Stand By Me was Jerry O'Connell's first movie role and won over director Rob Reiner by mistaking him for Archie Bunker at his audition.
- The town of Brownsville, Oregon has a walking tour and map of all the locations used in the movie and holds an annual pie-eating contest in honor of the movie. Most of the train tracks are gone now and were turned into walking trails. The treehouse is also gone, although the tree still stands and the railroad bridge is actually in California.
- In the poignant, quiet scene where Gordy encounters a deer by the train tracks in the early morning, the crew was blaring air horns and banging pots and pans to get the deer to look in the right direction and run off when it needed to.
- Jerry O'Connell was actually bitten by Chopper the dog. If you look closely in some scenes, you will see that his lip is swollen.
- Since the weather was perfect throughout the 60-day shoot, to get the cloudy look when the boys discover the body, the crew had to canopy a huge area of the woods with gray silks. Then a huge rainstorm came and started weighing the silks down so much, a crew member had to blast holes in it with a shotgun to let the water drain out.
- The boys smoked cigarettes made from cabbage leaves.
- Rob Reiner sneaks in a reference to one of his other movies. When one of the kids gets dropped off, they thank the driver for the ride and the driver shouts "Sure Thing!"
- The pies in the pie-eating contest scene were actually made from blueberry pie filling and black currant cottage cheese. Nearly enough to cause an actual Barf-O-Rama.
- Instead of Ben E. King's original version of the song, the producers were in talks with Michael Jackson to do a cover version of it for the movie. Thankfully, Rob Reiner decided the original was best since it was set in that era. Although, this video they made is one of the most awkward things I've ever seen.
Check out Fanboy Ben's other Stand By Me articles:
- 6Q: Andy Lindberg – Stand By Me's Lardass
- A Tribute to Stand By Me's Lardass
- A Tribute to Vern From Stand By Me
- Ten Reasons 'Stand by Me' Is Cool


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Full pond
Full pond is an American phrase used to describe the water level of a lake, reservoir or other body of fresh water when the level is just below the spillway, or is otherwise at a maximum, sustainable and safe level.
Technically, a body of water can have a water level higher than full pond when the inflow of water into the body greatly exceeds the outflow (such as during a heavy rain event), even if the body of water is not at full flood level. Most lakes and reservoirs have the ability to lower the level of the lake even when it is already significantly below full. This is used for flood prevention during periods of high (or potentially high) inflow to prevent flooding and to prevent water from breaching containment when it is expected the body of water will soon exceed full pond status.
See also[edit]
|This article about geography terminology is a stub. You can help Wikipedia by expanding it.


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Amanda Knox said today she would fight "until the very end" against extradition to Italy in her first interview since being convicted again of the 2007 murder of British student Meredith Kercher.
The 26-year-old American said the Italian jury's decision "hit me like a train" as she watched the verdict from her home in Seattle. She acknowledged that the Kercher family had been through a "never-ending" ordeal in the six years since the killing.
She also expressed concern for the "vulnerable" situation of Raffaele Sollecito, her Italian ex-boyfriend and co-defendant, who was also convicted yesterday and this morning stopped by police near the Austrian border.
Amanda Knox told ABC she will fight the reinstated guilty verdict for the murder of British student Meredith Kercher as she vows to "never go willingly" to face her fate in Italy
The case will now be appealed to Italy's supreme court and if the conviction is upheld Italian authorities are expected to ask the US to extradite Knox to face prison.
An extradition request would put the US State Department in the difficult position of balancing American public support for Knox against its diplomatic relations with Italy.
Speaking on ABC this morning, Knox said she would "never go willingly back" to Italy, where she said was unable to get justice in the face of "over zealous" prosecutors and hostility towards her from the Italian public.
"I'm going to fight this until the very end and it's not right and it's not fair and I'm going to do everything I can," she said. "Granted, I need a lot of help. I can't do this on my own."
Knox, who speaks Italian, said she watched the verdict come in though through an Italian television website, despite her lawyers urging her to wait for them to explain the outcome.
"I couldn't help myself," she said. "I needed to hear it for myself and I couldn't believe what I was hearing."
"I'm going through waves of emotion in response to it," Knox added during the interview in New York. "My first reaction was no, this is wrong and I'm going to do everything I can to prove that it is. I felt very determined and my family felt very determined. It was only when I was on my way here that I got my first cry."
Kercher's brother and sister held a press conference in Italy this morning, reiterating their belief that Knox was guilty of their sister's murder and calling for her extradition.
Asked about her former roommate's family, Knox said she had written them a letter and added: "I really understand that this is incredibly difficult that they have also been on this never ending thing and that when the case has been messed up so much, a verdict is no longer consolation for them.
"Just the very fact that they don't know what happened is horrible. The thing that people really when they've been victimised want is just simple acknowledgment. And they deserve respect and the consolation of some kind of acknowledgment and that's being lost. I really wish them the best."
Knox said her first thoughts after realising the implications of the verdict were for the 29-year-old Sollecito, who was sentenced to 25 years in prison
"He is vulnerable and I don't know what I would do if they imprisoned him. It's maddening," she said.
Sollecito has not been arrested but Italian authorities have reportedly marked his passport to prevent him from leaving the country.


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The Monitor Celestra provides you with the costume (most of you) and character you need to catapult yourself into the world of the Twelve Colonies. But how aboutthose little details? A great thing about the Battlestar Galactica universe ishow easy it is to find great props lying about your home. We're not expecting you to go shopping, but we do invite you to have a look around your house and bring a few items that gives your character more color. Here's a few tips and guidelines:
NO LOGO: Remove any and logos or replace with Vergis or Graystone logos. Minimalist or retro is the way to go.
INSPIRED BY THE SHOW: Have a look at this great collection of BSG clothes and props and you'll get the style. http://www.photoshop.com/users/Jandrall/albums/10909a1244a24fd4ae84c0aecf992f62
GOOD SHOES: For any military or Celestra crew a good pair of blackboots, preferably military style, is a must. Simple walking-shoes for civilians. At all costs avoid punk / fetish / goth vibes in your shoes.
UNDERGARMENTS: Again; space is cold. Wear at least longjohns and along-sleeved shirt. Have a look at this for more on undergarments: http://www.youtube.com/watch?feature=player_embedded&v=SsYNfM8x0Xg. And of course, it's never wrong to wear a tank-top over your shirt.
MUTED COLORS: Avoid bright colors. Especially RED since it's a game mechanic. Earthy. washed out tones is the way to go.
RETRO-FUTURISTIC: The design of the objects you bring should be clean and 50's retro, archaic or military / minimalist ultra-modern, as in the show.
MEMORY WALL: Please bring two or more pictures of relatives that have died in the Cylon attacks for a memory wall onboard. Remember to cut the corners if you can.
PLEASE DON'T BRING: Simulated drugs, Cubits, Guns, Gas, Cigars /Cigarettes as we ca't smoke in the ship.
SUGGESTIONS: Ultra-modern flashligt, belts, ultra-modern beltpouches, polyester tech-bags, cases, goggles, slim pen, notebook (no lines remember corners where possible), minimalist / retro stopwatch / watch without logo, dirt from Tauron, Colonel Tigh-style hip flask with contents, synthetic rope, mechanics tools, a dried flower from a loved one, the last piece of chocolate, bandages, statuette of a Lord of Kobol, pendulum, suitcase with papers for your company / house / car, memorabilia.
Possible drugs:
Off game they will be distributed by us.
In game they will be distributed by the Ha'La'Tha MEDICAL OFFICER who sells prescription drugs and possibly one other character carrying. We don't have massive rules for drugs so not too much focus on it.
Empathy: Small pill-like candy.
Morpha: Clear liquid - intravenous injection / autoinjector
Coka: White dextropur. Snorted.
Amp / Stims: any pills. Snorted / ingested.
Kamala: Root-like herb / spice. Ingested.
Weed: Salvia. Ingested since no smoking.
And a link to the caprican anthem! Go click it!
Yea that's probably it!


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Melania Trump Says She'll Keep Predecessor's Produce GardenFirst lady Melania Trump says through a spokeswoman that she is committed to preserving gardens at the White House, including the bountiful one planted by her immediate predecessor.
Michelle Obama Offers Empowering Example for GirlsThe feel-good initiatives of first lady Michelle Obama have served as both inspiration and eight years of teaching moments for many families. So what, exactly, do they think is her legacy over a period that spans much of the lifetime of today's kids?
Of Drones, Toys And Hedgehogs: Michelle Obama Tracks SantaFor most people, a Christmas Eve phone call with the first lady of the United States is an unexpected surprise. But Austin was holding out for someone else.
For First Lady, Trump is He Who Shall Remain NamelessFirst lady Michelle Obama has emerged as perhaps the most effective Donald Trump critic in the Democrats' lineup, and she's done it without ever uttering two key words: Donald Trump.
Beyoncé Celebrates Holiday Weekend at Camp David with ObamasBeyonce has been reported to be in Md after flying in on a private plane on Friday to spend the long weekend with the Obamas at Camp David
FLOTUS Talks Post Presidency, 'Let Girls Learn' Campaign On Colbert First Lady Michelle Obama was on "The Late Show" with Stephne Colbert Monday night and she revealed what she's most looking forward to when she leaves the White House.
Ellicott City 8-Year-Old Wins Healthy Lunchtime ChallengeAn eight-year-old boy from Ellicott City will meet the First Lady for lunch at the White House after winning the nationwide Healthy Lunchtime Challenge.
3 Marylanders Invited As First Lady's Guests To State Of The UnionThree Marylanders will take seats next to the First Lady at Tuesday's State of the Union address.
Mrs. Obama, 'First Dogs' Visit Military FamiliesMichelle Obama says she is shining a light on military families who are her heroes and a medical facility that treats them as she gives thanks during an early Easter celebration.
First Lady Bears Easter Gifts To Military FamiliesMichelle Obama marked the first day of spring with an early Easter celebration as she handed out holiday treats to military families and children.


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GraphicRiver Seamless Floral Pattern 4560385
Stock Vector \ Decorative \ Patterns
Floral \ Pattern \ Textured \ Vector \ Summer \ Texture \ Textile \ Vintage
Stock Vector - Seamless Floral Pattern 4560385 by svetolk @ GraphicRiver
Stock Vector \ Decorative \ Patterns
Seamless floral retro pattern with small cute flowers and polka dot
Layered: No; Graphics Files Included: JPG Image, Vector EPS; Minimum Adobe CS Version: CS.
Vector Seamless Retro Pattern; Vector Seamless Retro Pattern with Hearts; Vector Seamless Retro Bicycle Pattern.; Vector Seamless Retro Pattern; Geometric Seamless Pattern with Hearts Lines; Vector Seamless Retro Pattern; Seamless Retro Pattern.
Keywords: abstract, background, botanical, cozy, decoration, delicate, design, dots, fabric, floral, flower, graphic, leaf, nature, pattern, playful, retro, scroll, seamless, simple, small, spring, summer, sweet, textile, texture, textured, vector, vintage, wallpaper.


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I feel sure a lot of us are ahead of the curve, but an interesting article nevertheless.Your 20s: Planning pays off richlyhttp://articles.moneycentral.msn.com/CollegeAndFamily/MoneyInYour20s/Your20sSeeHowYourWealthMeasuresUp.aspx
federal max on the 401k or company match max?if it's the former, well done!once my wife is done with residency, I'll be able to get over that hump.
Thanks! Federal. I missed last year since I didn't realize it had been upped to 16.5 and missed this year since work got rid of our pager pay and I forgot to adjust.]
I was just vested in my companies pension plan on 1/1/11 only a couple hundred bucks per month as of now, but its something.
i'm assuming my company's pension will not exist by the time i retire.relying on any pension in this economic environment seems rather silly.
For you all meeting the Federal max, any chance I can ask what type of salary you're making? I've probably gotten too accustomed to only contributing between 7-10%, but making the jump so that I would hit $16,500 seems like it would take a big chunk out of my take home.
This might be the right thread, I'm not sure. I'm wondering if I should buy a house.I have no debt at all and about 20k socked away. I don't make $BobbyDigital$, but a decent wage (55k).I like the area I'm in, but not sure how long I want to be here (probably not more than 5 more years). If I did buy a house, I'd rent out part of it to roommates since I'm single and like community living.Currently I'm saving 5% to my 401k, about 1300 a month in cash/stocks. Any advise or things I should consider?My rent right now (living with 7 people in a huge home) is only 250, so it'd be rough to have to pay a mortgage.
It seems silly to sock all that cash away if you don't plan on buying a house.You could always invest in an ira or up your 401K contributions.@55K a small mortgage should be bearable especially with a roommate, but if you're 100% certain you'll be gone in 5 years max it probably isn't worth the effort.
i, too, am grandfathered in.
I missed being grandfathered in which I'm kind of annoying at since the former pension guys get a bigger 401K match.
^^so your companies plan isn't Federally insured?
yeah sureidk, they did a whole benefits restructuring a few years ago, moving towards more 401k contributions and less pension.... left a lot of people who were nearing retirement/mid-late career that hadn't had a long history of 401k company matches kinda boned, by having the calculations changed and not a lot of time to make up for lost ground with 401k additions. when the payout calcs used the year you got paid the most as the basis point for distribution, then froze that amount, say... 15 years out from retirement, it makes a pretty tangible difference. it hadn't changed in 100 or so years, so a lot of them were banking on it.for early career people, works great though. more years to take advantage of the contribution + 100% matched.just hammered home the "if you want to have the money there, save it yourself and don't depend on anyone else" mentality.
Right now my wife is contract and doesn't get any match in her 401k so she is just maxing out her Roth IRA. I am maxing out a Roth IRA and also contributing 10% to my 401k. (Company matches 1:1 of the first 5%).Outside of the Roth we are dumping another 20% of our after-tax income into a money market and a handful of mutual funds.I feel like we are doing ok but it is always hard to judge that since there are no magic, hard-set numbers to strive for. The only debt we have is the last $13k on my student loans (I'm paying 3x the minimum payment right now to finish them off) and our mortgage.
What's the rate on the student loans? Why so eager to pay them off? Why make non tax advantage investments when you aren't forced to do so?
The rates on the student loans average about 5%. High enough that I've been wanting to just get rid of them since I am so close, although I know they aren't super high rates. If it was a car loan at 1% or something I would just invest the extra money in a CD or something almost guaranteed higher than 1% instead of paying extra money but for some reason once something gets above 5% I hate having the debt sitting there right now.I guess I'm still just a bit too conservative for my own good for my age.Example: My etrade account I finally opened for non-retirement investments. (initial investment -ie the minimum buy-in- listed to the side)T. Rowe Price Small-Cap Value (PRSVX) $2.5kVanguard Dividend Growth Inv (VDIGX) $3kVanguard Short Term Investment Grade (VFSTX) $3kVanguard Wellesley Income Inv. (VWINX) $3kHarbor Bond Instl (HABDX) $2kOnly the first 2 are stock heavy, and the last 3 are bond-heavy. But I guess at least that should (hopefully) outgain the money market I had tons of money sitting in In other words: "It's a start."]
I guess I don't see why you wouldn't just buy similar funds in your 401K assuming your choices don't suck.
I have lots of choices in my 401k but most of my stuff is an a target retirement fund (same for the Roths).As I stated, for myself I'm putting 10% into my 401k (ends up being 15% with the company match) and maxing out a Roth IRA. I mean, yeah I guess I could just keep contributing more into the 401k but then I'm not able to use any of the gains until what 59 1/2? I understand the tax benefits of the 401k but as much as I feel the urge to make sure I have a healthy retirement (I think/hope what I am doing is still viewed as solid for that), I also would like to work on gains that can be tapped 10, 20, 30 years down the line. Do you disagree with my thinking? I know you max out your 401k completely right?
I assume you meant to say "in a target retirement fund".Even if that's the case, you can still easily buy other funds in addition to this.
^yeah, my bad on the typo. And I do know that the Roth has the nice benefit of being able to pull out the principle if needed. You are probably right on the 401k date, I was probably thinking of the Roth IRA date.Maybe you're right as far as my future investments go. I'll definitely consider bumping my 401k investments up a little higher perhaps. Either way, I have a decent chunk of money that is already past the 401k opportunity and I already max my Roth (I mentioned this in the Stock Market 2010 - money I had sitting in a money market) and that is what I opened up the etrade stuff for. I only put about 20% of the available money in for now though to test the water since it is my first time with non-retirement brokerage accounts. My goal was to make decent, steady growth investments with more risk than a CD or just straight bonds but less risk than nearly all out stock investments like my retirement portfolios. Hopefully with the 5 funds I picked I did that, but I guess we'll see (only been in like 2 months atm).I appreciate your insight though; you've always been really helpful relating to investments on here ]
You're quite welcome.
what's the point saving when we get old the gov is going to tax our retirement savings (even our roth's i'd bet) so the poor schmucks who had all the fun in their 20s and 30s can get their check]
^agreed, that is really the only difference but it could be big over time as shown. The other intangible is that for some people it is much harder to take $5000 out of their bank account at the end of the year/tax time to contribute to a Roth as opposed to just automatically contributing a certain amount each month. You start getting used to seeing your income as $416.67 higher than it really is.You might not be like that, but many people are.
Yeah, I have vanguard take out ~$100 from my bank account each week for my roth ira with them.
I take it you have your Roth IRA open directly with Vanguard then? Well I guess by your post that is obvious. I just wasn't sure previously whether you were invested in Vanguard funds via etrade or just direct with Vanguard.]
I have two separate roth iras, but yes, I am currently investing in a roth ira directly with Vanguard.
My current company offers a retirement plan as well as 401k contributions. When I first started working here after college the whole slew of new "adult" decisions (insurance options, dental, vision, 401k, pension, vacation, etc) overwhelmed me while I was also trying to learn the job. When it came to a retirement plan, I went with the default "traditional pension plan" instead of an option that pays out a lump sum. Now that I am leaving the company, I could have recieved ~10% of my salary as a lump payout, but instead now have some pittance of a pension that may or may not be around in 40 years when I could draw for it.Luckily one or the reasons I skipped over studying the pension plan was that I never intended on actually relying on a company pension, so I still have solid investments in the 401k and roth.Life lesson...read (and understand) everything!]
6% of salary plus 4% match into 401k ...Max Roth for wifey and myself (going on 5 years now).pay off 20k of the house each year (no house payment 10 years from now).side business makes about 30k per year, and 100% of that goes into my "business savings", which is just a scottrade account that I target for 10% per year.Hoping that in 10 years (ill be 40), I can quit my job, and live off the business income/savings til Im 60, at which point Ill start digging into my 401k/Roth/SS(if its there). Should have no house payment after Im 40, so we could easily live off of 1500/month for food/utils/tax/things ... and 3k/month, which is about what the buisness makes, would be plenty.At least, thats the dream Im targeting right now... who knows really
Being broke as a joke for a few years put my saving for retirement on hold. Now that I'm not living off of ramen anymore I'm doing just swell. I keep my credit card paid off (one and only), pay on my student loans every month (in no hurry to pay them off, though I'm sure I will in a few years just because I can), don't have a car (yay), put 15% of my income pre-tax into my 401(k) and put $1k/mo into savings for the next few months. I'm about to hit my goal for my emergency fund (enough for me to not worry about getting laid off in NYC and having to move if I can't find a job within 6 months). Once I hit that goal some of the $1k will go towards maxing out the 401(k) and the rest will be likely put into either a Roth 401(k) or a Roth IRA, splitting that 70/30 with an investment account.
Thanks to David0603 continually questioning why I am paying 3x my student loan minimum payment, I have backed off my student loan payments from $750 to $625 (minimum is $235) and bumped my 401k from 10% to 15%. I'm now at 15% salary in my 401k, maxing out my Roth IRA, maxing out my wife's Roth IRA, still waiting on my wife to get a direct job that matches on 401k (until then I'm not having her contribute to the 401k offered).I feel pretty good about that. If things continue to go well this year I'll try and work towards 20% contribution in the 401k. If I get the raise + promotion (and pay grade increase) I am really thinking I deserve that would just make it that much easier since we don't need a physical jump in take-home pay at all right now. I'd happily dump all the extra into the 401k.
I would be tempted to buy before the rates start going up. How secure is your job? I'd definitely be maxing out an IRA if I had 20K sitting around earning 1%. I know nothing about being a landlord but I've always preferred the liquidity of an IRA. Plus there are so many other expenses that being a landlord hardly seems profitable in the long run. That said I may end up renting my primary residence out if I move in a few years. Something about giving back money borrowed at 4.75% just seems inherently wrong.
be careful about using properties as investments if you don't know what you're doingits a good investment strategy if you know what you're doing, imo but opinions on here may vaymy boyfriend and i both own homes and when we move in together we don't have plans to sell, our strategy has always been to acquire more property and rent out the homes. but you have to have a sweet spot on the mortgage and his is more ripe for that than minealso the type of home you're renting will attract different renters. so buying a home and having someone else pay the mortgage on it isn't necessarily a bad idea, just do your research and run lots of numbers and also be sure you can pay the mortgage if it goes unrented for a couple of months, especially between tenants
This may be an extremely silly question, but let's say I save/earn $1.5million for retirement through investing and such. Is there a way to earn interest on that money at like 4-5% annually when I retire? What I am thinking is that I'd be able to live simply off of the interest while the principal remains intact.
First, who knows what the interest rate will be and the impact inflation will have by the time any of us are retired. However, using today's rates as comparison, if you knew a way to guarantee people they could earn 4-5% on their entire retirement portfolio while in retirement you'd be a pretty popular guy. Obviously there are plenty of ways to earn 4-5% or even much higher (using today's market/interest rates etc. again), however almost all of those ways are associated with risk. The problem there is that by the time you will have reached a time to actually retire, a huge portion of your money should ideally be in very low risk, low return investments. At that point, I think most people would say that taking a guaranteed $2 million (or whatever you have earned) is better than losing half of your retirement in search of squeezing some more juice out of your portfolio. Basically a "1 in the hand is worth 2 in the bush" scenario.It certainly gets very tempting as you start looking at "well, if I could only earn 4-5% then that is a lot on $1.5 million!...I don't need to be too aggressive," but I think you would have to save a boatload of money and be willing to live off of much less than your current projected "retirement salary" to simply try and live off of the interest. Then again, someone else here might think completely differently than I do; I tend to think conservatively with this stuff.]
Fair enough. I understand and agree about the low risk tolerance at retirement. I also hadn't factored in inflation when I prompted my scenario. So living off of interest is a myth?
It's not a myth. Up until a few years ago you were able to gets cds and bonds at 4%-5% which had 0 risk.
Like I said, I could be off-base; that is just my view on this. In reality you obviously will want to continue earning money on what you have saved and that will certainly contribute to what you can withdraw during retirement. Some of your money should definitely still be exposed to stocks, just not a large portion (again imo). So, in a sense you will be living off of a mixture of capital and interest. It really depends on how much you actually want to be able to bring in for a "salary" when you are retired as well as relying on what the economy is like then (like he^ said). Right now there is hardly anything you could find at 4-5% interest with 0 risk. By the time you retire? Who knows. Save a lot, but don't depend on living off interest and if the economy is such that you can by the time you/we retire then you're in even better shape than you planned on.]
Fair enough. And in truth I'd like to work part time well after "retirement" doing something l love which will either be in weather still or environmental conservation. Retirement to me isn't a date or deadline, it's about options. I want the freedom and flexibility to just stay home and tend to my trees and enjoy warm afternoons watching the birds while drinking sweet tea and then pick up and visit Canada or something.
In the early 80s you could get cds at 16%. Wouldn't mind seeing that again when I retire.
^ ha but didn't that also come with like 20% APR for home mortgages?
My wife and i each contribute 5% of our pay to roth 401(k) and the company "matches" with 9% in a tradition 401(k). We also just started our roth IRAs this January and we plan on using any money we get from raises to increase monthly contributions until we max out. I also contribute to a Templeton Mutual fund on a monthly basis. We'll have the house paid off by the time we're 54, at the latest. Hopefully in about 5 years, we can start making close to double payments and finish before we're 39. I believe we're set for retirement, however, I would like a little bit more cash in pocket today...
Surprised that people here are for maxing out IRAs/401ks and stretching out house payments. A great idea in theory, not always the best in practice. I just looked at my IRA, and over the past 7 years has gained about 3%.....that's terrible. Making payments on a home would of done me a lot better.


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3 is to focus on social networking and location based
services this year, and will expand its Skype based services,
according to director of products and services Charlotte
Blanchard was a keen supporter of the 'Rage Against The Machine'
campaign, which prevented musical entrepreneur Simon Cowell and
his latest The X Factor protégé from dominating the 2009
Christmas hit list.
Her support came because the campaign underlined her belief in
the power and potential of social networking sites.
Blanchard told Mobile: 'This is an example of how there is
already a shift in the way people consume media and we can see
great opportunities in that.
'We believe media consumption will be a social activity and we
are already working towards that with Spotify, Twitter and
Facebook. Going into 2010, we will keep agile and maintain the
ability to act when these things explode. It is all about how we
can capitalise on that.'
Blanchard recently attended the Mobilize 2009 conference in San
Francisco, which looked at the future of the mobile web, and is
now convinced that location based services on social applications
will figure large this year.
With social applications accounting for 40% of mobile data usage,
the revenues could be significant.
Blanchard said: 'Location is going to be key and that came over
very strongly in California. There will be a lot of noise about
location based services in 2010.'
She foresees a host of new location based apps being developed,
built on the backbone of Layar, the groundbreaking
augmented-reality browser.
Blanchard said 3 plans to increase its focus on internet services
this year. 'We have already done an amazing job of building new
services in music, video and gaming. We will continue to pick
services we think will have strong momentum in the market.'
She pointed to its recent deal with Spotify as one area that 3
will expand this year. Announced in November, it saw the operator
team up with Spotify to offer the music streaming service free on
HTC Hero devices.
3 is also hoping to expand its Skype offering. Blanchard said
predictions that Skype, which offers free calls, would hit the
operator's revenues, were wrong.
She added that recent in-house research shows Skype
customers are more profitable compared with 3's average
customer. In addition, Blanchard said Skype 'is also
good for churn, as what we have is unique in the market and
customers value it and want to stay with us'.ge
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