text: Insurance Economics http://lists.repec.orgmailman/listinfo/nep-ias Insurance Economics 2016-06-25 Strategic Formulary Design in Medicare Part D Plans http://d.repec.org/n?u=RePEc:nbr:nberwo:22338&r=ias The design of Medicare Part D causes most Medicare beneficiaries to receive fragmented health insurance, whereby prescription drugs and other medical care are covered by separate insurance plans. Fragmentation of insurance plans is potentially inefficient since separate insurers maximize profits over only one component of healthcare spending, despite many complementarities and substitutabilities between types of healthcare. Fragmentation of some plans but not others can also lead to market distortions due to differential adverse selection, as integrated plans may use drug formulary designs to induce enrollment by patients who are profitable under Parts A & B, while stand-alone drug plans have no such incentive. We study whether the design of insurance plans in Medicare Part D reflects these two differences in incentives using data on the universe of Part D plan formularies, drug prices, and Medicare claims data. We find evidence consistent with both hypotheses. Relative to fragmented plans, integrated plans systematically design their drug formularies to encourage enrollment by beneficiaries with medical conditions that are profitable under Parts A & B. However, integrated plans also more generously cover drugs that have the potential to causally reduce medical costs. These large differences in incentives and plan design between integrated and fragmented plans are likely the precursors of substantial differential selection of enrollees, and the basic design of Medicare Part D abets this covert selection. Kurt Lavetti Kosali Simon 2016-06 A stochastic forward-looking model to assess the profitability and solvency of European insurers http://d.repec.org/n?u=RePEc:zbw:icirwp:2116&r=ias In this paper, we develop an analytical framework for conducting forward-looking assessments of profitability and solvency of the main euro area insurance sectors. We model the balance sheet of an insurance company encompassing both life and non-life business and we calibrate it using country level data to make it representative of the major euro area insurance markets. Then, we project this representative balance sheet forward under stochastic capital markets, stochastic mortality developments and stochastic claims. The model highlights the potential threats to insurers solvency and profitability stemming from a sustained period of low interest rates particularly in those markets which are largely exposed to reinvestment risks due to the relatively high guarantees and generous profit participation schemes. The model also proves how the resilience of insurers to adverse financial developments heavily depends on the diversification of their business mix. Finally, the model identifies potential negative spillovers between life and non-life business thorugh the redistribution of capital within groups. Berdin, Elia Pancaro, Cosimo Kok Sørensen, Christoffer Financial Stability,Insurance,Interest Rate Risk,Stress Test 2016 Weather index insurance and shock coping : evidence from Mexico's CADENA Program http://d.repec.org/n?u=RePEc:wbk:wbrwps:7715&r=ias Weather risk and incomplete insurance markets are significant contributors to poverty for rural households in developing countries. Weather index insurance has emerged as a possible tool for overcoming these challenges. This paper provides evidence on the impact of weather index insurance from a pioneering, large-scale insurance program in Mexico. The focus of this analysis is on the ex-post effects of insurance payments. A regression discontinuity design provides find evidence that payments from weather index insurance allow farmers to cultivate a larger land area in the season following a weather shock. Households in municipalities receiving payment also appear to have larger per capita expenditures and income in the subsequent year, although there is suggestive evidence that some of this increase is offset by a decrease in remittances. While the cost of insurance appears to be high relative to the payouts, the benefits exceed the costs for a substantial range of outcomes. De Janvry,Alain F. Ramirez Ritchie,Elizabeth Andrea Sadoulet,Elisabeth Marie L. Debt Markets,Climate Change Economics,Insurance&Risk Mitigation,Labor Policies,Rural Poverty Reduction 2016-06-21 Analysis on Demand and Supply-side Responses during the Expansion of Health Insurance Coverage in Vietnam: Challenges and Policy Implications toward Universal Health Coverage http://d.repec.org/n?u=RePEc:keo:dpaper:2016-013&r=ias Vietnam is one of the leading countries moving towards universal health coverage (UHC) among developing and emerging countries. This paper examines how utilisation and the supply side have responded to the expansion of health insurance coverage. In the analysis, we use provincial panel data of 2006 to 2012 for every two years, which is constructed from several data sources. The results show that the utilisation has only slightly responded to the expansion of health insurance coverage, and nearly no positive supply-side response has been observed during the expansion. Also, the results of detailed analysis of health workers imply that there has been an unbalanced allocation of health workers between provincial hospitals and commune health stations despite the importance of commune health stations in providing primary healthcare. Our further analysis also reveals that the out-of-pocket (OOP) burden has not decreased and the affordability of healthcare services has not changed in response to health insurance coverage. Based on our findings, we argue that supply-side factors might have constrained utilisation, and that health insurance has hardly eased liquidity constraints. Midori Matsushima Hiroyuki Yamada Yasuharu Shimamura universal health coverage, Vietnam, utilisation, supply 2016-05-23 Insurance and the High Prices of Pharmaceuticals http://d.repec.org/n?u=RePEc:nbr:nberwo:22353&r=ias We present a model in which prospective patients are liquidity constrained, and thus health insurance allows patients access to treatments and services that they otherwise would have been unable to afford. Consistent with large expansions of insurance in the U.S. (e.g., the Affordable Care Act), we assume that policies expand the set of services that must be covered by insurance. We show that the profit-maximizing price for an innovative treatment is greater in the presence of health insurance than it would be for an uninsured population. We also show that consumer surplus is less than it would be if the innovation was not covered. These results show that even in the absence of moral hazard, there are channels through which insurance can negatively affect consumer welfare. Our model also provides an economic rationale for the claim that pharmaceutical firms set prices that exceed the value their products create. We empirically examine our model's predictions by studying the pricing of oncology drugs following the 2003 passage of Medicare Part D. Prior to 2003, drugs covered under Medicare Part B had higher prices than those that would eventually be covered under Part D. In general, the trends in pricing across these categories were similar. However, after 2003 there was a far greater increase in prices for products covered under Part D, and as result, products covered by both programs were sold at similar prices. In addition, these prices were quite high compared to the value created by the products---suggesting that the forced bundle of Part D might have allowed firms to capture more value than their products created. David Besanko David Dranove Craig Garthwaite 2016-06 Optimal Automatic Stabilizers http://d.repec.org/n?u=RePEc:nbr:nberwo:22359&r=ias Should the generosity of unemployment benefits and the progressivity of income taxes depend on the presence of business cycles? This paper proposes a tractable model where there is a role for social insurance against uninsurable shocks to income and unemployment, as well as inefficient business cycles driven by aggregate shocks through matching frictions and nominal rigidities. We derive an augmented Baily-Chetty formula showing that the optimal generosity and progressivity depend on a macroeconomic stabilization term. Using a series of analytical examples, we show that this term typically pushes for an increase in generosity and progressivity as long as slack is more responsive to social programs in recessions. A calibration to the U.S. economy shows that taking concerns for macroeconomic stabilization into account raises the optimal unemployment benefits replacement rate by 13 percentage points but has a negligible impact on the optimal progressivity of the income tax. More generally, the role of social insurance programs as automatic stabilizers affects their optimal design. Alisdair McKay Ricardo Reis 2016-06 Paths Taken By New Awardees of Federal Disability Benefits http://d.repec.org/n?u=RePEc:mpr:mprres:600b6b09fae4429196b82046e7daa421&r=ias In this brief administrative data from the Social Security Administration was used to examine the paths followed by new awardees of Social Security Disability Insurance (DI) and Supplemental Security Income (SSI) and to study the characteristics of awardees who have been most likely to take particular DI and SSI paths. Priyanka Anand Yonatan Ben-Shalom SSI, DI, Federal disability benefits Performance Assessment of Crop Insurance Schemes in Odisha in Eastern India http://d.repec.org/n?u=RePEc:snd:wpaper:104&r=ias Agriculture is a highly risky venture mainly due to uncertainty in crop production emanating from natural causes including unpredictable weather events and pest attacks, which leads governments to implement various crop insurance schemes in order to provide economic support to farmers in the event of crop failure. There are two major crop insurance schemes operating in Odisha state of India: National Agricultural Insurance Scheme (NAIS) and the pilot Weather Based Crop Insurance Scheme (WBCIS). NAIS provides compensation for yield losses due to natural causes and covers all food crops and commercial crops. WBCIS provides coverage for paddy crop yield losses due to rainfall only. Both schemes are compulsory for loanee farmers and are also available for non-loanee farmers on voluntary basis. In this study, we analyze and compare various indicators including their coverage, financial performance and operational efficiency in acting as a safety net to the farmers when they experience crop losses. The study uses both secondary data and primary data. While the secondary data on various performance indicators are for the state of Odisha as a whole, the primary data for the study come from the Bolangir and Kalahandi districts located in drought-prone western Odisha. Applying a multi-stage sampling method, the sample includes 100 households using WBCIS from the Bolangir district and 100 households using NAIS from the contiguous Kalahandi district. Primary data were collected using a structured household questionnaire via the direct interview method between October 2011 and May 2012. The results show that the area under crop insurance in these two schemes has increased from 10 to 16 percent of the gross cropped area in Odisha state during 2000-2012 but 84 percent is still not covered. This increase in coverage is mainly due to increase in the number of loanee farmers. The area under crop insurance by non loanee farmers has substantially declined over time in the case of both NAIS and WBCIS. NAIS is a large insurance scheme which covers 96 percent whereas WBCIS being a pilot scheme covers only 4 percent of the area insured by these two schemes in 2012. The study reveals that WBCIS performs better than NAIS as indicated by the higher adoption rate, the higher percentage of farmers benefited, the lower premium, faster claim payment, and the frequent indemnity payment. However, WBCIS covers only paddy crop losses due to deficit or surplus rainfall. In a frequently disaster-affected state like Odisha, where reasons for crop failure are many, there is also a need for multi-peril crop insurance schemes like NAIS. Therefore, both the schemes should continue and complement each other. The public sector may address catastrophic risk and provide multi-peril insurance where the subsidy requirement is high while the private sector could be brought into to provide insurance products for less severe events and for individual, independent, idiosyncratic and localized risk. Mamata Swain Sasmita Patnaik Risk in Agriculture, Adaptation, Crop Insurance Schemes, Weather, Performance, Odisha STAX and Cotton Crop Insurance: First Year Results http://d.repec.org/n?u=RePEc:ags:usao16:236592&r=ias Coble, Keith Agricultural Finance, Crop Production/Industries, 2016-02 The Long Run Impacts of Merit Aid: Evidence from California's Cal Grant http://d.repec.org/n?u=RePEc:nbr:nberwo:22347&r=ias We examine the impacts of being awarded a Cal Grant, among the most generous state merit aid programs. We exploit variation in eligibility rules using GPA and family income cutoffs that are ex ante unknown to applicants. Cal Grant eligibility increases degree completion by 2 to 5 percentage points in our reduced form estimates. Cal Grant also induces modest shifts in institution choice at the income discontinuity. At ages 28-32, Cal Grant receipt increases by three percentage points the likelihood of living in California at the income discontinuity, and raises earnings by four percentage points at the GPA discontinuity. Eric Bettinger Oded Gurantz Laura Kawano Bruce Sacerdote 2016-06 Year 2 Demonstration Impacts of Using Medicaid Data to Directly Certify Students for Free School Meals http://d.repec.org/n?u=RePEc:mpr:mprres:2ce1e3c4e29a43e9aa574274d6cded5c&r=ias The Direct Certification with Medicaid (DC-M) demonstration added Medicaid to the list of programs used to directly certify students for free school meals. This report presents findings on the impacts of DC-M during the second year of the demonstration, school year 2013-2014. Lara Hulsey Joshua Leftin Anne Gordon Claire Smither Wulsin Nicholas Redel Allen Schirm Nicholas Beyler Sheila Heaviside Brian Estes Carole Trippe NSLP, Direct Certification Insurance Between Firms: The Role of Internal Labor Markets http://d.repec.org/n?u=RePEc:cpr:ceprdp:11336&r=ias We investigate how Internal Labor Markets (ILMs) allow organizations to accommodate shocks calling for costly labor adjustments. Using data on workers' mobility within French business groups, we find that adverse shocks affecting affiliated firms boost the proportion of workers redeployed to other group units rather than external firms. This effect is stronger when labor regulations are stricter and destination-firms are more efficient or enjoy better growth opportunities. Affiliated firms hit by positive shocks rely on the ILM for new hires, especially high-skilled workers. Overall, ILMs emerge as a co-insurance mechanism within organizations, providing job stability to employees as a by-product. Cestone, Giacinta Fumagalli, Chiara Kramarz, Francis Pica, Giovanni Business Groups; Co-Insurance; Internal Labor Markets 2016-06


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Friday Minute: Friday Minute: 'Our little rebellions' — Withholding from the Lord impedes our potential
Like Ananias and Sapphira of old, we sometimes hold back "part of the price" from the Lord (see Acts 5:2). These withheld portions are what I call "our little rebellions."
From the returned missionary who slackens his grooming standards, to the woman who hides her talents for fear of criticism, we all have our little rebellions.
During the Steve Young era, my little rebellion was watching the occasional 49ers game on Sundays. For some church-going football fans, there are two Sabbath days: the one that ends at midnight on Sunday and the one that ends just before the game starts.
Holding back a portion from the Lord comes in a hundred permutations, but such withholding is a selfish withdrawal from our own potential.
Rebellion is a blessing lost
Ironically, when we refuse to surrender our will to the Lord, we impede our ability to give even that which we are willing to give.
I saw a striking example of this with my friend Fred. A weekend stock-car racer, Fred lived for the thrill of the finish line. Along the way, he became an expert procrastinator and master of excuses. "I'll quit the racing-circuit when ... " "I'll accept a church calling if ... " "I'll take my family through the temple as soon as ... "
On the third turn of a Sunday-night race, Fred was called home in his mid-40s. He had crossed mortality's finish line, not someday, but now. His willingness to change his ways at some elusive future date was crippled by his unwillingness to please God today.
Consider another friend who attends church faithfully, yet refuses church membership. By his own admission, he welcomes social camaraderie but shuns full commitment to God.
People who shun commitment to God are often fanatical in their commitment to the natural man. Committed to themselves, they lose the blessings of commitment to a higher, nobler cause.
Commitment can be a daunting thing, especially for new members of the LDS Church. In the gospel of Jesus Christ, sustained commitment requires faith. Faith fuels that commitment even when intellect questions the math of duty and service.
What is your "little rebellion"?
The Master declared, "For where your treasure is, there will your heart be also" (Matthew 6:21).
For this reason, the Lord is as concerned about the desires of our hearts as with the outward manifestation of our little rebellions. In other words, our rebellions flower in a hundred ways but stem from the same toxic root.
The person who consistently refuses church callings has much in common with the football Sabbath breaker. The lazy scripture reader suffers from the same lethargy as the casual home teacher. Selfishness is contagious.
Full price
From teenagers rebelling against their better angels, to adults whose pride is an iron anchor unwilling to budge, the cure for our little rebellions is Jesus Christ; not Christ in the ethereal, unapproachable sense, but Jesus in the genuine-friend sense.
Until our clenched fist yields to the Master's hand, we cannot walk hand in hand with him.
When we pay the full price discipleship demands, including the surrender of our will to the Lord, we gain the very thing we so jealously withheld: our true self-worth. As Elder Neal A. Maxwell taught, "It is the only surrender which is also a victory!" (Elder Neal A. Maxwell, "Plow in Hope," Ensign, May 2001, page 59)
William Monahan is a 1980 graduate of BYU Law School. He practices law and teaches law and ethics. A former Phoenix stake president and current high councilor, he is active in Interfaith and a U.S. Air Force veteran.
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Donny Deutsch net worth: Donny Deutsch is an American advertising executive and television personality who has a net worth of $200 million dollars. Donald Jay Deutsch was born in Hollis Hills, New York in November 1957. His father founded David Deutsch Associates in 1969. Donny attended the Wharton School of the University of Pennsylvania. He joined his father's advertising firm in 1983. His father David handed over full control of the company to Donny and he became chairman at 1989. Donny then renamed the company to Deutsch Inc. In 2000 Donny sold the company to Interpublic Group of Companies for $265 million. From 2004 to 2008 Donny was the host of CNBC's The Big Idea with Donny Deutsch. He has also been a regular guest on Morning Joe on MSNBC and frequently appears on the Today Show. In 2013 he had a new CNN show called (Get to) The Point, which was cancelled after only one week. He has also published books in 2005 and 2008. He was previously married to Stacy Josloff and has a daughter Daisy with his former girlfriend Amanda Zacharia. He has purchased a property in New York City for $21 million and a home in East Hampton Village, NY for $29 million. In 2013 he declared himself a member of the Democratic Party and has also declared himself a feminist.
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In Which My Readers Tell Me How Wrong I Am
This is my 50th post for Skeptoid Blog, so I'm going to do something a little different from my usual conspiracy-busting. Writing for Skeptoid has been one of the most rewarding experiences I've had as a writer, giving me the … Continue reading
Posted in Conspiracy Theories, History, Pseudoscience Tagged comments, false flag, hitler, kitty werthmann, logical fallacies, michael hastings, reader comments 9 Comments
Kitty Werthmann: History Distorted
When doing my usual check of "What's New" on snopes.com, I came across a recent entry for an email from one Kitty Werthmann, purporting to tell her story of living through the annexation of Austria by Nazi Germany, also known … Continue reading
Posted in Conspiracy Theories, TV & Media Tagged bad history, great depression, guns, kitty werthmann, nazis, schlafly, Snopes 680 Comments


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There are four separate cases out there that I have been tracking where the Bush Administration appears to be evolving a truly novel version of the state secrets exception. In each of these cases, a state secrets defense is being interposed for the purpose of blocking the disclosure of claims of gross corruption surrounding public contracts. Why are these matters state secrets? That indeed is the riddle. The Government says they can't tell us. Apparently if they told us, they'd have to kill us to prevent further exposure of the state secrets.
One of these cases emerges in the pages of yesterday's Reno Gazette-Journal:
In a ruling that could make it difficult for former eTreppid software designer Dennis Montgomery to argue his lawsuit against the company, a federal judge Wednesday granted a Department of Defense request for a protective order to ensure no material involving national security is released. All sides in the lawsuit involving eTreppid Technologies, the Reno company Gov. Jim Gibbons is accused of helping obtain defense contracts in exchange for gifts and trips, are prohibited from sharing certain information that is subject to the state secrets privilege, U.S. District Judge Philip Pro said in his order.
The information also cannot be used as evidence at trial, Pro said. Disclosure of certain materials "could be expected to cause serious, and (in) some cases exceptionally grave damage to national security," he said. Pro made a number of exceptions. He said the two sides can discuss the "Big Safari" contract between eTreppid and the Air Force, "including but not limited to the fact that the Big Safari contract required eTreppid to perform data analysis," and involved "image identification technology."
They also can acknowledge that the people involved in the contract had to sign secrecy agreements with the defense department, and that the technology might have commercial or government applications.
This all makes perfect sense to me. Of course when the deals were done, there were no concerns about secrecy, and the Defense Department didn't ask anybody to commit to keep anything secret. But that was before they understood that Nevada's former Republican Congressman and current Governor, Jim Gibbons, was going to get his teeth caught in a corruption ringer. Now the objective of law enforcement machinery in the Gonzales Justice Department, of course, is not to pursue public integrity cases if they involve Republicans. Cases are pursued only if they involve Democrats. Indeed, they're not just pursued, they're fabricated. When Republicans are involved, we need to find a way to shield them from all suspicion and inquiry, especially by pesky people like journalists. What could possibly work better than declaring that everything is radioactive and has to be sealed off?
The beauty of it is that you just make this stuff up whenever it suits you, and you insist that no court has the power to second-guess what you're doing.
Of course, the real state secret that is being protected is that the Bush Administration is corrupt to its innermost core. And the fact that it's common knowledge doesn't stop it from being a state secret. Moreover, if you find it out–they may still have to kill you.
More from Scott Horton:
Conversation — March 30, 2016, 3:44 pm
Joseph Hickman discusses his new book, The Burn Pits, which tells the story of thousands of U.S. soldiers who, after returning from Iraq and Afghanistan, have developed rare cancers and respiratory diseases.
Context, No Comment — August 28, 2015, 12:16 pm
In five easy lessons
From the April 2015 issue
i. stand with israel
I listen to a lot of conservative talk radio. Confident masculine voices telling me the enemy is everywhere and victory is near — I often find it affirming: there's a reason I don't think that way. Last spring, many right-wing commentators made much of a Bloomberg poll that asked Americans, "Are you more sympathetic to Netanyahu or Obama?" Republicans picked the Israeli prime minister over their own president, 67 to 16 percent. There was a lot of affected shock that things had come to this. Rush Limbaugh said of Netanyahu that he wished "we had this kind of forceful moral, ethical clarity leading our own country"; Mark Levin described him as "the leader of the free world." For a few days there I yelled quite a bit in my car.
The one conservative radio show I do find myself enjoying is hosted by Dennis Prager. At the Thanksgiving dinner of American radio personalities (Limbaugh is your jittery brother-in-law, Michael Savage is your racist uncle, Hugh Hewitt is Hugh Hewitt) Dennis Prager is the turkey-carving patriarch trying to keep the conversation moderately high-minded. While Prager obviously doesn't like liberals — "The gaps between the left and right on almost every issue that matters are in fact unbridgeable," he has said — he often invites them onto his show for debate, which is rare among right-wing hosts. Yet his gently exasperated take on the Obama–Netanyahu matchup was among the least charitable: "Those who do not confront evil resent those who do."
Pairs of moose-dung earrings sold each year at Grizzly's Gifts in Anchorage, Alaska:
Grizzly's Gifts (Anchorage)
An Alaskan brown bear was reported to have scratched its face with barnacled rocks, making it the first bear seen using tools since 1972, when a Svalbardian polar bear is alleged to have clubbed a seal in the head with a block of ice.
A former prison in Philadelphia that has served as a horror-movie set was being prepared as a detention center for protesters arrested at the upcoming Democratic National Convention, and presumptive Republican presidential nominee Donald Trump fired his campaign manager.
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"Matt was happy enough to sustain himself on the detritus of a world he saw as careening toward self-destruction, and equally happy to scam a government he despised. 'I'm glad everyone's so wasteful,' he told me. 'It supports my lifestyle.'"


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We need your help building a list of your favorite places in Brookfield - and one lucky participant will win a pair of Marcus Theatres movie tickets.
Share your favorite places - maybe an eatery, a park, a theater - to go to in the town and the city of Brookfield. We'll then put that list on the location-based service Foursquare, where you can follow and check off as you visit each place.
Here's how it will work:
Through May 25 you can submit your favorite places to go to in Brookfield on our Facebook page, Facebook.com/MyCommunityNOW. Click on "Best of Brookfield" underneath the cover photo. On that page, you can recommend up to three places, but you can enter only once.
A winner will be drawn from the entries after May 25. Readers will receive one entry into the drawing for each place they suggest, meaning a maximum of three entries.
We will receive the email submissions and post the 10 most popular answers to our Facebook wall and other places.
So help us discover your favorite places.
More from News and Features
- Mystery Photo Contest: June 30
- Residents, officials pleased with improvements at Calhoun Road railroad crossing in Brookfield (6)
- Brookfield and Elm Grove In Brief: Elm Grove Library hosting a celebration of supper clubs
- Brookfield Ask Now: Will the pathway on Pilgrim be paved? (1)
- Brookfield and Elm Grove Police Report: June 30
- Interactive: Brookfield residents unsatisfied by reduced levels of lighting at Golf Parkway (12)
- Brookfield and Elm Grove Meetings: June 30
- Brookfield committee to study beekeeping
- Brookfield Senior Meals: Week of July 4
- Brookfield and Elm Grove Things to Do: June 30


text:
Our Skewed Politics on Gun Ownership Are a Deadly Joke
We Live in an Age of Disintegration
Debt Deflation -- the Economic Concept That Proves Market Optimists Wrong
With Half a Million Ballots Left to Count, Likelihood of Sanders Win in California Dims
Boris Johnson Plans Britain's Future
By Stanley Kutler $13.57
Benjamin R. Barber $28.87
The dramatic reversals this month of anti-gay laws in Indiana and Arkansas may offer a path for the pro-abortion-rights movement. The lesson from the LGBT community is clear: Find new allies and make noise. Lots more noise.
AP/Elise Amendola
The Hobby Lobby case is an urgent reminder for American males that they, too, benefit from access to contraception.
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How to best apply facial oils & serums -- this goes for any facial oils.
Tanaka Face Self Massage.Fantastic facial massage to do at home.The lymphatic drainage will reduce toxins, toning the skin and giving a youthful, healthy glow to the skin.
yoga for the face...how to tone and lift cheeks ( remember your never to young to start doing em)
Traditional Chinese Medicine Facial diagnosis Chart
Apple Cider Vinegar Facial Toner. This toner is incredible for balancing your skin tone, getting rid of acne and pimples, and giving you that 'glow' – naturally! And did I mention how cheap this is?!
Anti-Aging Blueberry Enzyme Facial mask, wrinkle fighting and skin brightening | beautyandthefoodi...
The Skin Doctor: LEMON TRICK | Kandee Johnson
The Natural Facelift Massage is a mix of facial reflexology and acupressure points and facial massage techniques. The muscles of the face lose tone and elasticity over time and this gentle face massage helps to relieve deep tension giving the facial muscles a lift. This workshop teaches you to give this remarkable treatment to friends, family and clients.
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Use once a week - supposedly doubles hair growth, but either way sounds like a great conditioner. Combine 1 tsp. honey, 2 tsp. olive oil and 1 -2 tsp. coconut oil w/one half mashed avocado. Massage into dry hair, wait 10 to 15 min, shampoo/condition as normal.
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License type: Royalty-freeRoyalty-free pricing is based solely on the size of the product you need, not the specific use. You don't have to pay any additional royalties on a use-by-use basis. Once you license a royalty-free product, you may use it multiple times for multiple projects without paying additional fees. (Pornographic, defamatory, libelous or otherwise unlawful use of any image is, of course, prohibited.)
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White Rock Cabernet Sauvignon Laureate 2007
Region: USA » California
Winery: White Rock Vineyards
Color: Red
Varietal: Cabernet Sauvignon
White Rock Vineyards:
White Rock Vineyards produces world class Napa Valley Cabernet Sauvignon and Chardonnay, using only the fruit from our own vineyard. Our 36-acre family run estate is situated in its own small valley in the southern foothills of the Stag's Leap Range on the historic site of White Rock Vineyards which dates back to 1870. The Land and the Vines The estate is a small valley consisting of 22... Read more
White Rock Vineyards produces world class Napa Valley Cabernet Sauvignon and Chardonnay, using only the fruit from our own vineyard. Our 36-acre family run estate is situated in its own small valley in the southern foothills of the Stag's Leap Range on the historic site of White Rock Vineyards which dates back to 1870. The Land and the Vines The estate is a small valley consisting of 22 acres of terraced hillsides and 14 acres of benchland. The soil of our hillsides is white volcanic ash, distinct from the typical Napa Valley alluvial soil. The combination of mature vines, volcanic soil and varied exposures create complex and age-worthy wines. The hills are planted predominantly to Cabernet Sauvignon, with blocks of Cabernet Franc, Merlot, and Petit Verdot. These varietals combine to produce Cabernet Sauvignon blends in the Bordeaux tradition. The cooler benchland is planted to Chardonnay using a variety of Burgundian and old California clones. These vines produce small berries at 1.5-3 tons per acre resulting in wines of intense fruit and spice flavors, a distinct minerality and a long balanced finish. The Winery and the Wines The winery is located underground, in the caves that were bored in 1988--one of the first winery caves dug since the 1800's. Our red wines are aged within these caves, under ideal temperature and humidity. The "Laureate" Cabernet Sauvignon is our flagship wine, sourced from the upper hillside vines. These vines produce a dense, structured wine that offers delicious flavors now, and rewards further aging with even greater complexity. The "Claret" blend emphasizes forward fruit and a balance of flavors crafted to complement food and age gracefully. The Chardonnay grapes are hand-picked and hand-sorted, then transferred directly into the press. From the press the juice goes directly to French oak barrels, 5-10% of which are new. Here it ferments and ages on the lees for 10 months before bottling. Only a small percentage of the wine in barrel undergoes malo-lactic fermentation, resulting in a finished wine that is complex and flavorful while still remaining bright, crisp, and refreshing. Sustainable Farming Practices Since establishing our vineyard in 1977, we have been committed to sustainable natural farming. We have never used herbicides, pesticides or fumigants in our vineyard. We practice an integrated soil management program designed to ensure the health and fertility of our soils. Elements of this program include: Permanent native cover crops with tillable nitrogen-fixing crops where needed. Weed control is accomplished by mulching and hand hoeing around each vine. Fertilization is through our own composted winery pomace and targeted use of organic fertilizers. The Label The upper label is a reproduction of a woodcut depicting the property as it was in 1870. The original stone building shown in the center is the old White Rock Vineyards cellar. Read less
Do you love White Rock Vineyards? Follow them to show your support. Why?
Food Pairings for White Rock Cabernet Sauvignon Laureate
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$16.3917% offToscolo Chianti 2009
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Weekday Wines - Post Pictures of your SelectionsReplied


text:
I'm looking for a head in the range of 50-60 Dollars. I know this limits me a lot but its all I can afford at this moment. I mostly listen to hip-hop so I want something with a lot of bass. The two places I will probably use it is home and in the car. I'd prefer no leaking and I want a simple design. Please research the headphones and put the price so I know what they cost. Thank You.
New Headphones for 50 Dollars
Head-Fi's Best Sellers
- "Amazing soundstage, extremely comfortable, Outstanding sound quality""Natty, Removable 4 Conductor Cable."
- "Smooth Presentation, a linear, stout sound at louder volumes. ""Sensational Excursion Factor , Exquisite Bass Extension , Almost perfect Mid-Range , Classic HE-60/90 Design , Potential Upper Treble Extension "
- "Luxurious midrange, full and extended bass, smooth treble, comfortable.""Pros : Sound quality, comfort, build, modularity (parts), balance, naturalness, clarity, detail"
- 582 Posts. Joined 2/2009
- Select All Posts By This User
I kind of want to advise you to save up around $150, because you will definitely be spending more than that after you try the first pair... Hmmm...
- 1,602 Posts. Joined 2/2007
- Select All Posts By This User
I believe the Sony XB 500s are around that price. Widely recommended as cheap basshead cans.
- 1,398 Posts. Joined 6/2011
- Location: NL
- Select All Posts By This User
The HA RX700's have a nice amount of bass, but i haven't compared them to the XB500s.
- 4,490 Posts. Joined 2/2011
- Location: everywhere and nowhere ¯\_(ツ)_/¯
- Select All Posts By This User
lots of good ideas and thread is recent. ( Panasonic, Superlux etc )
Use the SEARCH part and search Bass under $60 or bass under $50 From the model you see that interests you then it's a simple search to see if it's closed back, how much it leaks etc.
"...Please research the headphones and..." Doing that yourself is the only way you know what you'll be buying, or you 'll just be gambling on whether someone else's quick suggestion is what will sound good to you and get choked afterwards when it's not what you were expecting..
If it's all you can afford right now that's the BEST reason to do a little bit of preliminary research. Not hard.
Edited by nick n - 1/8/12 at 9:15pm
- 92 Posts. Joined 6/2011
- Location: Las Vegas
- Select All Posts By This User
The JVC Xtreme Xplosives (HA-M5X) are pretty bassy, and they seem to sell between $30 and $40. The only down side is that they are ported; I don't listen to music very loud, so people haven't complained about hearing my music, but I can easily hear conversations while listening to music. I am totally fine with that.
Head-Fi's Best Sellers
- "balanced sound, very portable (small+light), comfortable even with glasses, looks great""full sound with plenty of bass, clear forward midrange, large sound stage."
- "Great tonal balance, imaging and isolation""Some isolation, bass amazing, comforttable even in long sessions."
- "Over Ear, Little Clamp, Quality for the price""Huge Soundstage! Great Detail, Clarity, Imaging, and Instrument Seperation. Very Balanced!"


text:
Pleasant Kafe aims to open this summer
Pleasant Kafe, a coffee shop and wine bar, will open later this summer in the former Dentice Bros. Italian Sausage shop, 1600 N. Jackson St.
"We are planning to open in mid-to-late August," says co-owner Lorna Stone. "Restoring the building has had some surprises, but we are getting through them."
Stone owns the business with her son, Geoffrey, and Eric Seegers. Stone previously owned a coffee / gift shop in Elkorn.
Pleasant Kafe will offer Valentine Coffee, scones, pastries, smoothies, parfaits, tapas, pickled vegetables, assorted nuts and fruits, wine and beer.
"We will add other items along the way," says Stone.
The cafe will focus on using Wisconsin products, including Peter Sciortino's bakery items.
The indoor space will accommodate about 35 people and some outside seating will be available.
"We are a work-in-progress and are very excited about what Pleasant Kafe will be adding to the neighborhood," says Stone.
Stay tuned for more information about Pleasant Kafe later this summer.
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Native Plants
Q. Who is Mr. Smarty Plants?
A: There are those who suspect Wildflower Center volunteers are the culpable and capable culprits. Yet, others think staff members play some, albeit small, role. You can torture us with your plant questions, but we will never reveal the Green Guru's secret identity.
Did you know you can access the Native Plant Information Network with your web-enabled smartphone?
Ask Mr. Smarty Plants is a free service provided by the staff and volunteers at the Lady Bird Johnson Wildflower Center.
rate this answer
Monday - March 31, 2008
From: Austin, TX
Region: Southwest
Topic: Shrubs
Title: Native shrubs that can be pruned to shape in Austin, TX
Answered by: Barbara Medford
QUESTION:We have some shrubs in our NE facing front yard in Austin in the Steiner Ranch Area. The shrubs are native, and give good flowers in spring and summer, but are not trimmable and I want something like native holly that maintains a good shape. I'd like your opinion on some replacement shrubs that hug the foundation/front face of the house. How do I upload a pictur
Finding a shrub native to Texas that takes trimming and/or shaping well is not all that easy. Most Texas plants are more nearly free spirits, sticking stems and thorns every which way. However, two of our favorites for foundation plants are Morella cerifera (wax myrtle) and Ilex vomitoria (yaupon). Both will grow well in Central Texas, and both grow fairly quickly and can be pruned for shape. They both ordinarily need more than 6 hours of sun a day, but can get by on a little less, which may be the case since you want them on the side of your house facing northeast.
It also looked like you were asking how to upload a picture. Go to the Mr. Smarty Plants page, and look in the lower right-hand corner for full instructions.
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Hello, I'm an independent investor from the Dallas area. I enjoy biking, golfing, family, friends, the beach around Destin, FL (30-A), and reading Security Analysis and The Intelligent Investor. I have been a credit manager in the Oil-Gas and Steel industry for over thirty years. My investing objective is simple: To build and manage a reliable, predictable, and increasing income stream which will allow me to escape the gravitational pull of the workforce one day, (thanks Chowder), and for retirement living...."The real money in investing will have to be made-as most of it has been in the past-not out of buying and selling-but out of owning and holding securities, receiving interest and dividends, and benefiting from their long-term increase in value"......Benjamin Graham. I am long: ABBV,ABT,CL,CSCO,D,DEO,DIS,ED,EMR,HCN,IBM, JNJ,KO,MO,MSFT,NSRGY,OHI,PG,PM,SO,T,TGT,UTX,WEC,WFC,WY,XOM
Black Coral Research, Inc. is a newsletter designed to inform Dividend Investors how the latest news could impact the dividends of the companies they invest in. Feel free to contact us at firstname.lastname@example.com
Retired Pharmacist. Call me Rose. Nose= Knows enough to know I need to keep learning and keeping a great dividend paying nest egg growing upwards.
My 83 stock portfolio is listed here by sector, largest holding by value is listed first.
Consumer Defensive: KO, PM, GIS, MO, TGT, KMB, DEO, PG, PEP, MDLZ, CLX, CL, KHC, HSY, UL.
Consumer Cyclical: MCD, SBUX, GPC, NKE, HAS, MAT, VFC, HOG, HD
Healthcare: JNJ, ABBV, CVS, AMGN, CAH, BDX
Healthcare eREITs : OHI, VTR, HCP, HCN, NHI, CCP.
Energy: XOM, CVX, OXY, VLO,
Tech: AAPL, ADP, CSCO
Tech eREIT: DLR
Industrial: BA, UNP, MMM, CMI, CAT, GWW, NSC, LMT.
Industrial eREIT: STAG
Financial: TROW, MA, V, WFC, MET
Other eReits: WPC, O, XLP, UBA, STWD ,WPG
REIT Hotel: CLDT
mREIT: ARI (very very small position) and NRZ (also small)
BDCs: MAIN, PNNT, HTGC, ARCC, NEWT (small)
Telecom: VZ and T
Utility: SO, XEL, WEC, D, MGEE, DNP, CNP, LNT, FE
DNP is a CEF which predominately holds Utilities.
Updated 6/20//2016
I've been an investment analyst and financial writer since 2012. I hold a Bachelor's degree in Finance from DePaul University, and an MBA in Finance from the University of Notre Dame. I also have experience working as a research analyst for a mutual fund.
If you are interested in any of my digital utility solutions to add to your investing tool box to improve your investment outcomes, please visit my site
You'll find elegant applications that make it simple for you to track your portfolio in real time, make a watch list to follow in real time, track your dividend income and growth, and other applications. These applications will allow you to set alerts at prices you choose in order to obtain the yield and income that you want. They function as real time trade assistants and will improve your investment performance. You can even mirror the successful FTG Portfolio with "My FTG Mirror Calculator", and subscribers can mirror the premium subscriber portfolio with "MY RODAT Mirror Calculator" if they wish to emulate the out performance we've achieved in capital and income growth.
I am a retired clinical psychologist, and administrator and owner of a rehabilitation clinic we founded 40 years ago. For over 55 years I have managed several portfolios composed of investments accumulated over our professional careers. Since the financial crisis of 2008, I have employed specialized, customized dividend growth strategies aimed at enhancing and growing a dividend income stream.
Since December 24, 2014, I have demonstrated on Seeking Alpha the ongoing construction and portfolio management of the Fill-The-Gap Portfolio aimed at highlighting strategies investors may utilize to close the gap between an average Social Security benefit and the much greater costs faced in retirement.
This portfolio has outperformed all of the broad market indexes by a very wide margin, growing dividend income and total portfolio value consistently while the broader indexes struggle in negative territory all year.
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Let me show you how to build and grow your portfolio and dividend income, step by step, towards a comfortable and secure retirement.
A full time investor in stocks, bonds, options, and real estate who previously worked as a financial/investment journalist/analyst. Previous industry stints include privately held SageOnline Inc. - where he held multiple positions - as well as Multex.com, acquired by Reuters, where he was an equity research editor. Aloisi is a cum laude graduate of Penn State University, currently residing in native South Central Pennsylvania with his wife and 2 children.
Income investing has become his focal interest due to the challenges that the ZIRP environment presents. Not an advocate of any single portfolio strategy, he promotes a "go anywhere" philosophy predicated on value, forward thinking, sustainability, and personal objectives. While the past may be instructive, Aloisi cautions on over reliance.
In his free time he likes to talk politics, play the piano, garden, and go antiquing. Mr. Aloisi was recently elected to a 4-year term on his local school board, garnering the most votes out of 6 candidates.
Individual investor focused upon a limited number of diversified stocks. Seeks stocks selling below fair value; favors dividend growth. Advocates fundamental investment analysis, supplemented by the technical charts. Options strategies primarily employed to generate additional income or hedge risk.
Brad Thomas is a research analyst and he currently writes weekly for Forbes and Seeking Alpha where he maintains research on many publicly-listed REITs. In addition, Thomas is the Senior Analyst at iREIT Forbes and Editor of the Forbes Real Estate Investor, a monthly subscription-based newsletter.
Thomas has also been featured in Forbes Magazine, Kiplinger's, US News & World Report, Money, NPR, Institutional Investor, GlobeStreet, and Fox Business. He was the #1 contributing analyst on Seeking Alpha in 2014 (as ranked by TipRanks) and he is currently writing a book on the legendary investor Donald Trump.
Thomas has co-authored a book (The Intelligent REIT Investor) that is available on Amazon.
Thomas received a Bachelor of Science degree in Business/Economics from Presbyterian College where he played basketball. He resides in South Carolina with his wife and kids.
I am a retired global analyst, currently busy in investing and writing articles about stocks at several investing publications and websites. I have also developed strategies for creating winning portfolios according to specific formulas.
In January 2015, I was ranked among the world's top 10 financial bloggers according to TipRanks, which holds financial experts accountable for their recommendations by disclosing their stock ratings since 2009:
Sure Dividend helps individual investors find high quality dividend growth stocks with strong competitive advantages suitable for long-term holding.
Eli Inkrot is a writer. Check out his website: thecurrencyoftime.com, his articles here on Seeking Alpha or his book - "You Don't Have A Money Problem" - on Amazon.com.
Additionally, here is a quick bio:
Eli has held the title of Vice President and Portfolio Manager at EDMP Inc. - a money management firm - along with Vice President for F.A.S.T. Graphs - a financial software company.
Prior to that, he began his investment career as an analyst in private real estate for a public pension fund. During his time in real estate he was the lead for a variety of accounts with net asset values totaling nearly two billion dollars. Eli received a Master's in Finance from the University of Tampa where he earned "highest honors" whilst receiving the distinction of being named the "most outstanding graduate student." He also holds undergraduate degrees in both Economics and Business Administration from Otterbein University, graduating "magna cum laude" with distinct honors in each major. During his tenure at Otterbein, Eli was a member of the varsity golf team, held the departmental Senator position for Business, Economics and Accounting and studied abroad in the Netherlands.
First, the good stuff. Here's my portfolio ...
Consumer Discretionary: MCD, NKE, SBUX, TGT
Consumer Staples: COST, GIS, KHC, KO, MO, PEP, PG, PM, WBA
Energy: CVX, KMI, XOM
Financial: MAIN
Health: ABBV, AMGN, GILD, JNJ, MCK
Industrial: BA, DE, EMR, LMT, MMM
Materials: BBL
REITs: HCN, NNN, O, OHI, VTR
Technology: AAPL, MSFT, QCOM
Telecom: BCE, T, TU, VZ
Utilities: AVA, D, SCG, SO, WEC
ALSO: small stakes in 23 additional companies held in the Dividend Growth 50 portfolio (http://seekingalpha.com/article/2764265-its-new-its-nifty-its-the-dividend-growth-50): ADP, AFL, BAX, BDX, BXLT, CAT, CL, CLX, COP, GE, GPC, HCP, HSY, IBM, KMB, MKC, NEE, SJM, UTX, V, WFC, WMT.
Now, a little about me:
I am a 50-something former sportswriter who was sent on a permanent vacation during the Great Recession. That sucked, but my story is not a sad one. Unlike many folks who lost their jobs, I am not in financial distress, I am not depressed and I am not bored.
My wife is a pediatric nurse with a bullet-proof job and decent benefits. So after supporting her and our two kids (now grown) for most of three decades, the least she can do is support my semi-retired keister!
Because of Roberta's job situation, because we have zero debt (not even mortgage debt), because we no longer have any dependents and because we have been pretty diligent savers over the years, we are comfortable (though nowhere near rich).
Although we hold some funds, bonds and cash, my investing philosophy leans heavily toward Dividend Growth Investing. By early next decade, we want to live entirely off of our income stream, Social Security and pension payments - and therefore will not have to spend down the principal one iota. To accomplish this, we invest mostly in blue-chip companies with long track records of growing dividends. As of mid-2016, we are well ahead of pace to reach our goal.
When not researching investments and writing for Seeking Alpha and other Web sites, I coach middle-school girls basketball at Metrolina Regional Scholars Academy, the top charter school in the Charlotte metro area; in March 2016, we won the first conference championship in school history! I also umpire youth baseball and referee youth basketball.
My wife and I dote on our 5-year-old pup, Simmie, and keep up on the doings of our now-grown kids, Katie and Ben. And we love to cheer on the basketball team of our alma mater, Marquette University, where we both majored in Journalism. Go Warriors! Also big fans of the Carolina Panthers.
I still occasionally post to the blog I initiated in 2007 -- lots of sports stuff, some politics, some personal junk -- at www.TheBaldestTruth.com.
I write about dividend growth stocks on my website www.dividendgrowthinvestor.com.
I am mostly a buyer of high quality dividend stocks, with solid competitive advantages. My holding period is forever, as long as the dividend is at least maintained. I tend to concentrate my efforts on stocks which grow earnings and dividends, which provides outstanding total returns over time. I only focus my attention to stocks with sustainable dividend payments. I am also a firm believer in diversification accross sectors and geographic locations.
I have been focusing my attention particularly to companies that regularly increase dividends to their shareholders on my website. On my blog I share my thoughts on investing in dividend paying stocks that have consistently increased their payments over time and tips on growing my dividend income. I hope that my blog will serve as an inspiration for my readers and that it would change their financial lives for the better.
Visit my website, Dividend Growth Investor (http://www.dividendgrowthinvestor.com/)
I am an individual investor and the author of seven eBooks on dividend growth investing. I try to help self-directed individual investors profit from stock investing. I contribute articles and studies to both Seeking Alpha and Daily Trade Alert. I hold an undergraduate degree in physics from Holy Cross College and a JD from Georgetown University. My wife Sue and I live in beautiful Canandaigua, NY.
Charles (Chuck) C. Carnevale is the creator of F.A.S.T. Graphs™. Chuck is also co-founder of an investment management firm. He has been working in the securities industry since 1970: he has been a partner with a private NYSE member firm, the President of a NASD firm, Vice President and Regional Marketing Director for a major AMEX listed company, and an Associate Vice President and Investment Consulting Services Coordinator for a major NYSE member firm. Prior to forming his own investment firm, he was a partner in a 30-year-old established registered investment advisory in Tampa, Florida. Chuck holds a Bachelor of Science in Economics and Finance from the University of Tampa. Chuck is a sought-after public speaker who is very passionate about spreading the critical message of prudence in money management. Chuck is a Veteran of the Vietnam War and was awarded both the Bronze Star and the Vietnam Honor Medal.
PRIMARY OBJECTIVE: ... Income Replacement!
Escape velocity is the speed that an object needs to be traveling to break free of the planet's gravitational pull and leave it without further propulsion.
This portfolio is looking for the point where the income being generated can allow the holder of this portfolio to escape the gravitational pull of the market and economic forces of worrying about share prices.
The objective is to generate enough income from assets that the only selling of shares will become an option, not a necessity to survive. Therefore, with enough income being generated, it minimizes the fear of meaningful market corrections as dividends are based on the number of shares owned, not the share price.


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OCZ Technology Vertex 3 Max IOPS 240GB SSD Review
PCMark Vantage - Drives with Data Testing
For a complete breakdown on the Drives with Data Testing please read this article. You will be able to perform this test at home with the files provided in the article - full instructions are included.
Brief Methodology
SSDs perform differently when used for a period of time and when data is already present on the drive. The purpose of the Drives with Data testing is to show how a drive performs in these 'dirty' states. SSDs also need time to recover, either with TRIM or onboard garbage collection methods.
Drives with Data Testing - 25%, 50%, 75% Full States and Dirty / Empty Test
Files needed for 60 (64GB), 120 (128GB), 240 (256GB)
60GB Fill - 15GB, 30GB, 45GB
120GB Fill - 30GB, 60GB, 90GB
240GB Fill - 60GB, 120GB, 160GB
Empty but Dirty - a test run just after the fill tests and shows if a drive needs time to recover or if performance is instantly restored.
HDD1 - Windows Defender
HDD2 - Gaming
HDD3 - Windows Photo Gallery
HDD4 - Vista Startup
HDD5 - Windows Movie Maker
HDD6 - Windows Media Center
HDD7 - Windows Media Player
HDD8 - Application Loading
Benchmarks are great, but often times developers overlook logic and embrace results that are outside the realm of reality. On the previous page we saw the performance of the drives without data present, but on this page we see what happens when the drive are populated like they would be in your system.
In this test we see that the Corsair Performance 3 is the only SATA 6 SSD on the market to run at a static speed no matter how much data is present on the drive. This test was actually designed to show how the Performance 3 was able to achieve a static speed. Looking into 2012, I feel this is an area where SSD controller designers like SandForce should focus their attention. We already have peak speed of 550MB/s, now we need static speed of 550MB/s before moving on.
On the previous page we saw the Crucial m4 outperforming the Vertex 3 drives in some of the tests. Normally I would make a bit of a big deal about that, but then I saw the light. The Vertex 3 Max IOPS loses performance as data is added to the drive, but not at the same rate as the Crucial m4. With data on the drive the Max IOPS clearly outperforms competing drives.
PRICING: You can find products similar to this one for sale below.
United States: Find other tech and computer products like this over at Amazon's website.
United Kingdom: Find other tech and computer products like this over at Amazon UK's website.
Canada: Find other tech and computer products like this over at Amazon Canada's website.
- Page 1 [Introduction]
- Page 2 [Specifications, Pricing and Availability]
- Page 3 [The Packaging]
- Page 4 [The OCZ Vertex 3 240GB]
- Page 5 [Test System Setup and ATTO Baseline Performance]
- Page 6 [Benchmarks - HD Tune Pro]
- Page 7 [Benchmarks - AIDA64 Random Access Time]
- Page 8 [Benchmarks - CrystalDiskMark]
- Page 9 [Benchmarks - PCMark Vantage Hard Disk Tests]
- Page 10 [PCMark Vantage - Drives with Data Testing]
- Page 11 [Benchmarks - AS SSD]
- Page 12 [Benchmarks - Passmark]
- Page 13 [Final Thoughts]
Recommended for You
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Summer Reading Rewards from TD Bank
Kids can earn $10 for reading 10 books from TD Bank! [read more]
Bookworm Wednesdays at Showcase Cinemas
Bring in a book report on Bookworm Wednesdays (July 6-27) and get free admission to a select movie from Showcase Cinemas! [read more]
Camp Viva – A Specialty Summer Camp in Braintree
This week I had the opportunity to get the inside scoop on Camp Viva in Braintree by chatting with owner Andrea Foley about what makes her camp so special! Registration deadline is July 1st, don't miss out! [read more]
2016 Fourth of July CelebrationsWelcome to our annual roundup of Fourth of July celebrations happening all over the South Shore. Bring on the parades, the celebrations, and of course the fireworks! Check out what's happening in your town! Braintree [read more]
2016 South Shore Farmers Markets
Local farmers markets are starting to pop up all over the South Shore, full of fresh produce and other delicious goodies. Don't have one in your town? Check out our list of local markets to find one near you! [read more]
2016 Strawberry Festivals in Massachusetts
Love strawberries? Check out one of these yummy strawberry festival events happening this month, featuring craft vendors, live music, family fun, and of course juicy strawberries! [read more]
Rockland Trust Reading Makes Cent$ Program
Rockland Trust is continuing with it's Reading Makes Cent$ program this summer, where kids can earn up to $25 by reading! [read more]
If You Give a Boy a Baseball
If you give a boy a baseball. He will want a bat to go with it. You'll buy the best bat you can find, and then he will probably want a bucket of balls and a glove and some cleats too… [read more]


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"These shirts are great. Well made and a very good value. I am very pleased with my purchase of the three shirts in blue, red, and yellow. Very good fit and very comfortable. Thank you!" (E28413)
"good product" (E67471)
"Very nice ball that is reasonably priced" (E9)
Epic Sports
Martin Sports Zenith NFHS Pro Model Soccer Balls [E21364]


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NFL Preview Pages:
Over/Under Win Total Picks
Projected Standings and Playoff Results
In-Depth Team Analysis
NFL Team Rankings
Fantasy Football Projections and Rankings
NEW NFL Playoff Probabilities
NEW for Football 2011
Play the Games
Buy Picks
The Predictalator has already played the 2011 NFL season 50,000 times before it's actually played. The Green Bay Packers repeat as Super Bowl champions, winning it all league-high 13.0% of the time. In the most likely Super Bowl, Green Bay defeats the San Diego Chargers 57.0% of the time and by an average score of 26-23. San Diego, the AFC's top-seed, wins the Super Bowl 10.5% of the time. The Philadelphia Eagles (10.3%), Pittsburgh Steelers (9.7%) and New England Patriots (9.4%) follow the Packers and Chargers in Super Bowl likelihood.
Read more about How This Works. Based on this analysis, we present projected standings, team stats and playoff results (below).
Projected Standings (based on 2011 NFL season played 50,000 times)
Projected Offensive Stats (based on 2011 NFL season played 50,000 times)
Projected Defensive Stats (based on 2011 NFL season played 50,000 times)
Based on the analysis, here is the projected NFL 2011 Playoff bracket. It should be noted however, that this exact bracket only occurred 301 of the 50,000 seasons played by the Predictalator (see new NFL Playoff Probabilities which are free and will be updated weekly:
Card Round
#6 Baltimore 21 @ #3 New England 27
#5 New York Jets 25 @ #4 Houston 22
Divisional Round
#3 New England 22 @ #2 Pittsburgh 23
#5 New York Jets 17 @ #1 San Diego 23
AFC Championship
#2 Pittsburgh 19 @ #1 San Diego 21
Card Round
#6 Dallas 23 @ #3 New Orleans 26
#5 Atlanta 27@ #4 Arizona 21
Divisional Round
#5 Atlanta 19 @ #1 Green Bay 27
#3 New Orleans 17 @ #2 Philadelphia 24
NFC Championship
#2 Philadelphia 21 @ #1 Green Bay 24
Super Bowl
Green Bay 26 over San Diego 23
To see projected stats and rankings for over 350 players, check out our Fantasy Football Preview.
The Predictalator is the most advanced sports forecasting software available today because it has the ability to account for all of the relevant statistical interactions of the players, coaches, officials, home field advantage and weather in each game.
Picks for every game, including our Play Value Key and Calculator recommendations for optimal bankroll management and access to the Play Analyzer and Halftime Picks can be purchased in the Shop or by game here.
6/27/2016 Highlight: Using the ResultsFinder, one could find that after a strong start to the season, June MLB is off to a solid start as well. In the last week (June 20 - 26), highlighted, "normal" or better MLB money-line and run-line picks went 24-12 (67% ML and RL). A normal $50 player using published play value recommendations generates a profit of +$1,165 for such plays over that stretch. On the season, "normal" or better money-line picks, over/under picks and run-line picks have each generated a profit.
Check out the Shop or Individual Picks pages now to learn more.


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Mophie debuts Juice Pack Plus for iPhone 5
Mophie has released Juice Pack Plus ($120) for iPhone 5, the company's third battery case for iPhone 5, following Juice Pack Helium and Air. While falling behind top rivals in capacity, Juice Pack Plus has become the family's most powerful battery case, featuring a 2100mAh battery that claims to offer 120 percent of extra battery life. According to Mophie, Plus will deliver up to 10 additional hours of 3G talk time, up to 12 additional hours of Internet use on Wi-Fi and 10 hours on 3G, up to 50 additional hours of audio playback, and 12 hours of video playback.
Juice Pack Plus enables Lightning pass-through charging through the included micro-USB cable, and comes in black, white, and red versions. The black case is available now, with both the white and red versions shipping by the end of May.
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Recent News
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- Opinion: Why Apple needs a dedicated HomeKit app


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Music Lyrics
Bass and Guitar Tabs
and More...
Whoa oh prisoner
My pretty oh oh prisoner
A black ocean is the sky above
Tiny lights bob what star you from
Trapped in material plane
She wants to fly and they think she's insane
But she knows what she know
Give that girl wings and that's all she wrote
Twilight zone (2x)
I'm floating in the dark alone and
Is there any love out here let me know
A laser lights pinpoints the top of my dome
Then through my body
As if Scotty's beaming up a wayward soul
Mutant races in an ancient universe
Dark shadows humans rhymin' in a raggae verse
It's gone if you blink
I can see it as soon as you think it
Dancehalls crystal balls
On sidewalk malls
Psychic people outdoors reading palms
I believe that you know more
To survive the dimension if four
Oh prisoner
My pretty oh oh prisoner
Look at the way she's searching
Trapped in a world that's hurting
So bad it makes her cry
But I won't let her say good bye
Twilight zone (2x) }
I'm floating in the dark alone and } (2x)
Is there any love out here let me know }
No way (2x)
Click here to return to my 311 lyrics page
The lyrics are Copyright their respective owners.
Website © 2000-2014 mattsmusicpage.com. All rights reserved.
Legal & DMCA: Matt's Music Page has been providing lyrics and tabs in a legal way, paying royalties each year to a few organizations. Then, all lyrics and tabs were removed from the site. Now, there's a new owner to the site, which purchased it August 26, 2014, and he is in negotiation to obtain licensing from BMI at the moment. If you have a specific DMCA request -- please do not hesitate to contact me via the contact button on top. I will do my very best to keep this site fully legal.
Vintage Ingraham 8 Day Banjo Wall Clock - Runs
Women with Banjos ....... Banjo Cabinet Photo
c1880s CDV - Man Playing BANJO by Wm DEAN - Harrisonburg VIRGINIA w/Hat on Floor
Brass Monkey Chimpanzee Musician Playing Banjo Guitar Statue Sculpture Figure
Large Antique New Haven Clock Co. Whitney 8 Day Banjo Clock With Chimes 1920's


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Young Endeavour trip of lifetime
Benalla's Alyce Brightman took to the seas for a 10 day voyage.MEG PIGRAM November 30, 2012 12:00am
Alyce Brightmore had never sailed in her life.
But the Young Endeavour Adventures was the perfect starting point for the FCJ Year 10 student, who said she wanted to push the boundaries of her comfort zone.
And she did just that during the 10-day voyage from Newcastle to Sydney during the September school holidays.
The Young Endeavour Adventure is about bringing together young people aged between 16 and 23 years to learn about communication, teamwork and leadership through a 10-day voyage.
Alyce said she was challenged with activities and tasks she had never tried before from the first day.
''Our first task was to climb 33
''When we started our journey towards Sydney it only took an hour for people to start feeling seasick,'' Alyce said.
While not everyone succumbed to the uneasy feeling of being at sea, Alyce did — but she said it only took two days for her body to adjust.
With the journey fitting easily into its time schedule, the team had the opportunity to explore areas along the NSW south coast including Ulladulla, Jervis Bay and Broken Bay.
''After four days at sea, making it to Ulladulla and being allowed to hop off the Endeavour and onto land was appreciated by everyone," Alyce said.
''We were all finding it difficult to walk because we were used to the constant rocking of the boat — all the youth crew hugged a tree once we got to land because it is the best cure for sea sickness.''
It was difficult for Alyce to pinpoint the biggest challenge of the trip, but she believes being woken up in the early hours of the morning to do a four-hour watch duty was one of the toughest.
''During the watches we had to learn how to set and furl sails, which meant that once we set the sails we were told to furl them again.''
Alyce said at the time it seemed like a pointless task, but come Command Day the reasoning was obvious.
''Command Day is when the staff crew go on a 'summer holiday' and it is up to the youth crew to completely sail the ship for 24 hours.''
That means everything from navigating to cooking.
''It was very challenging because the staff crew would give us no advice and wouldn't help us when we needed help,'' Alyce said.
Looking back on the trip, Alyce said sitting on the sails while going under the iconic Harbour Bridge was a memory she would treasure.
She said despite the swaying ride and giant learning curve, she enjoyed the entire experience and would recommend the Young Endeavour journey to anyone.
''It is very challenging but extremely rewarding — you will meet the most amazing people and I guarantee you will have the time of your life,'' she said.
Thankyou for your comment.Your comment will appear once it has been approved by MMG staff.
Cancer nurse's future secured
The Shepparton Biggest Ever Blokes Lunch committee will continue to fund the prostate cancer specialist nurse position at Goulburn Valley Health for the next four-and-a-half years.
Slow start but important win for Lions
Mulwala has overcome a sluggish first half to record an important victory beating Echuca United by 45 points on Saturday.
Promoted: Fighting for the CFA
The brave and selfless women and men of our CFA brigades need our support like never before and I will stand with them all the way.
More than just points on the line
Moama netball coach Clare Shalders knows her side is up against it when it takes on Echuca United at home for the Three Jacks Trophy in round 12 Murray Netball League action tomorrow.
The Australian Sheep and Wool Show
SPONSORED: TAKE a trip to Bendigo this July and enjoy a country-style holiday, plus a jam-packed program of events at the Australian Sheep and Wool Show 2016.
The Australian Sheep and Wool Show
SPONSORED: TAKE a trip to Bendigo this July and enjoy a country-style holiday, plus a jam-packed program of events at the Australian Sheep and Wool Show 2016.
Swans flex muscles
Avenel win easy
Hall offence
Berrigan Shire councillor Daryll Morris says he has been sickened by some of the vitriol and personal attacks to surface since the council's proposal to redevelop Finley's Memorial Hall and School of Arts site was revealed in October last year.
The Australian Sheep and Wool Show
SPONSORED: TAKE a trip to Bendigo this July and enjoy a country-style holiday, plus a jam-packed program of events at the Australian Sheep and Wool Show 2016.
Have a pie for a mate
If you are in the mood for a warm treat next Friday and want to get involved in the recent push to aid struggling dairy farmers, then Ambience Bakery Cafe will have you covered.
Talented Kayla's Canadian tour
Deniliquin's Kayla Smith will travel to Canada on Wednesday to compete in two major athletics meets.
Lawyers arrive to discuss Murray Goulburn claim
About 30 Murray Goulburn suppliers turned out to a Shepparton meeting last week with lawyers proposing legal action against the big processors.
Youngsters give it their all
Benalla Rovers soccer players represent at Country Leagues Football Association Championships.
The News magazines are online - read high quality magazines in your time. Check in regularly for the latest editions.
Riverine Herald's well regarded locally produced magazines. They're now online, so you can read them whenever and wherever you like.
Search for published and unpublished photos from McPherson Media Group newspapers and magazines. All our photos are available to purchase.
Place an advertisement in any one of McPherson Media Group's local newspapers.


text:
Your original file link
it's perfect
it's just perfect nice cute babe
it's just perfect nice cute babe
you just make me get shocked
wouwww PerfeCt..
Play Boy
Angelina Jolie
stc 102 smiling women
STC Happiness
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Portimonense: All changeThe appointment of new manager Vítor Oliveira has finally been confirmed with his predecessor, José Augusto, taking on the role of Director of Football. Pre-season training begins tomorrow (Wednesday) and it is hoped that the very experienced ... Portugal Resident, 22 hours ago
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2 images for "paulinho"
The wait is over - Meet new Brazil boss Tite
Four years ago Mano Menezes had just been sacked as Brazil coach and Tite's stock was at an all-time high after leading Sao Paulo-based giants Corinthians to their first ever Copa Libertadores title After following it up by breaking a six-year ...Uncova, 1 week ago
Shocks, shots and a super sub
There's one big tournament ongoing in France. There's another underway in the USA. Stats aplenty, then, for FIFA.com to dig up and you to enjoy. 57 years after Paulinho Valentim became the first substitute to score a hat-trick at the Copa ...FIFA.com, 1 week ago
Brazilian duo power Guangzhou past Tianjin
Defending champions Guangzhou Evergrande beat Tianjin Teda 2-0 in the 21st round of 2016 Chinese Super League (CSL) on Tuesday. The 21st round, which had been scheduled to be contested on the weekend, was brought forward to give the national team ...China.org.cn, 2 weeks ago XINHUA - Guangzhou Evergrande end Teda's 6-game unbeaten run Namibia Press Agency, 2 weeks ago Guangzhou Evergrande end Teda's 6-game unbeaten run News Guangdong, 2 weeks ago Guangzhou Evergrande overtakes Henan Jianye 2-1 China Economic Net, 2 months ago
Brazil's Copa America shock could impact on Chinese Super League
ESPN FC's Janusz Michallik says Dunga must pay after Brazil's Copa America exit. Brazil's shock Copa America Centenarioexit could leave people in China with mixed feelings. On the one hand, it means the domestic league will see the early return of ...ESPN Soccernet, 2 weeks ago Philippe Coutinho seizing his chance for Brazil at the Copa America ESPN Soccernet, 2 weeks ago
Al Arabi ends links with Iran footballers 5hr
Lionel Messi of Argentina (L), Javad Nekounam (C) and Ashkan Dejagah of Iran walk off the pitch after the first half during the 2014 FIFA World Cup Brazil Group F match between Argentina and Iran at Estadio Mineirao in Belo Horizonte, Brazil, on ...PressTV.com, 2 weeks ago Iranian players Dejagah and Nekounam set to leave Al Arabi Tehran Times, 3 weeks ago Iranian players Dejagah, Nekounam leave Qatari club Al Arabi Press TV, 2 weeks ago Frustrating QSL season for inconsistent Al Ara... Al Arabi April 12 2015 photo by QNA Doha: Al Arabi went int... Qatar Peninsula, 1 month ago
The greatest international team ever?
Which team can claim to be the greatest international side of all time? It is a question that has long seemed impossible to answer, since players from different decades can never face each other at their peaks. Add in an element of nostalgia - ...BBC, 3 weeks ago
Another QSL top spot for Al Rayyan's skipper Tabata
Tribune News Network DOHA Prozone has selected top 10 players with most shots at the goal in the recently-concluded Qatar Stars League season. The list is headed by none other than mercurial Rodrigo Tabata of Al Rayyan Club. Prozone also named the ...Qatar Tribune, 3 weeks ago
News Analysis: Brazilian government's economic package may face headwind from Congress
Brazil's interim President Michel Temer and his economic team, who are resolved to jump-start the flagging economy by putting forth a package of economic measures, might need to fight opposition from legislators. Unpopular proposals that could ...China.org.cn, 1 month ago Brazilian government's economic package may face headwind from Congress Arabstoday.net, 1 month ago
Brazil's Temer wants proposal for pension reform within 30 days
By Lisandra Paraguassu and Alonso Soto BRASILIA, May 16 (Reuters) - Brazilian interim President Michel Temer agreed with union leaders on Monday to draft a blueprint for overhauling the creaking pension system within a month, as he seeks to restore ...Yahoo! Finance, 1 month ago Brazils Temer wants proposal for pension reform within 30 days Reuters UK, 1 month ago
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