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Many of the leagues offered on Apex Fantasy Football Money Leagues are "redraft" leagues. Redraft refers to drafting a new team for one season. Each redraft league will have an 18-round online draft with 12 teams per league.
Currently, all Apex Fantasy Football Money Leagues use the same PPR scoring format. For more information, see League Scoring.
There are two options for leagues: Live Drafts (typically takes about two hours to complete) or Email Drafts (typically takes about five days to complete).
To see all of our draft dates, click here. We also offer Dynasty and Auction leagues.
Every week, all teams will play two games: one head-to-head game against a random opponent and one game against the league average. to learn more about this concept, see Skill-Based Format.
The top six teams qualify for the playoffs, with the top two teams getting a "bye" in Week 14.
Excited to draft? Sign up now! If you aren't convinced, see what the biggest names in the fantasy football community are saying about Apex!
Live Drafts
Live drafts are serpentine and will take place on MyFantasyLeague. After signing up, you will receive an email invitation from MyFantasyLeague. To join the league, you will need a MyFantasyLeague account. You can create one or log into yours here.
Once the league is full (oftentimes only on the day of the draft), the draft order will be completely randomized. The draft timer will be set at one minute and thirty seconds per selection. If an owner allows the draft clock to expire, the draft software will select the best player available according to average draft position (ADP).
All draft times are approximate and it is your responsibility to be on time and ready to draft your team. If you are unable to make it to the draft, your team will be drafted using MyFantasyLeague's ADP. We recommend owners make their pick at least ten seconds before the clock expires to ensure that you receive the player you intend to draft. If you do not draft the correct player, you must notify the commissioner before the next pick is made as that the draft can be paused to correct the erroneous pick. The Commissioner will only monitor the draft for accidental picks during the first two rounds of the draft.
Apex strongly recommends that owners use desktops or laptops with the most updated version of your preferred browser. Complications that take place during the draft can be solved by contacting the commissioner through the use of the Live Chat feature.
MyFantasyLeague does provide mock drafts for those who would like to test the software prior to drafting. Here is the link to the mock drafts: MyFantasyLeague Mock Drafts.
Owners are not required to fill all starting lineup requirements on draft day. For example, owners are not forced to take a kicker or defense during the draft and have the opportunity to pick them up before the first week of the season. Owners are required to have a full starting lineup for the kickoff of Week 1.
Email Drafts
Your roster is updated as you make selections online using MyFantasyLeague. The draft timer will be set at eight hours per selection for the first two days and will be moved to six hours thereafter (and moved up further if necessary). The draft timer will pause at night for three hours. After signing up, you will receive an email invitation from MyFantasyLeague.
To join the league, you will need a MyFantasyLeague account. You can create one or log into yours here. The draft order will be randomized once the league is full.
In the event an owner allows the time limit to expire, the league software will immediately select the best player available (according to average draft position) and will continue to do so until the owner makes a selection. This service is provided for unforeseen emergencies and owners unable to draft within the allotted time.
If you know you will be busy and unable to make a selection, please use the pre-draft function. If you let the timer expire during the draft, your team will be set to auto-pick and will remain on auto-pick until you contact us via email to turn auto-pick off.
The draft will begin as soon as the league is full.
Owners are not required to fill all starting lineup requirements on draft day. For example, owners are not forced to take a kicker or defense during the draft and have the opportunity to pick them up before the first week of the season. Owners are required to have a full starting lineup for the kickoff of Week 1.
League Schedule
Leagues begin during the first week of the NFL season. During each of the first 13 weeks of the season, every team will play two games: one against a random opponent and one against the average score of all the teams in the league. Every team will play every other team in the league once during the first 11 weeks of the season.
Once each player has played every other team at least once, teams will play two random opponents during Weeks 12-13. At the end of the regular season, each team will have played 26 games (13 against a head-to-head opponent and 13 against the league average) and the top six teams will make the playoffs.
Standings will be sorted by winning percentage. If there is a tie between two teams in the standings, the team with more total points scored will receive the higher seeding. If there is still a tie, the team with more total points against receives the higher seed. The top six teams will make the playoffs.
The first round of the playoffs is Week 14. During this round, the top two teams receive a playoff bye. The 3rd seed will face the 6th seed, and the 4th and 5th seeds will face each other.
In the second round of the playoffs (Week 15), the 1st seed will play the winner of the 4th and 5th seed game and the 2nd seed will play the winner of the 3rd and 6th seed game.
In Week 16, the second round winners play in the league championship. The second round losers play in a 3rd place game.
If a playoff game ends in a tie – the team that scored more points over the course of the season will break the tie. If this takes place after the first week of the playoffs, the tiebreaker will be the higher combined points per game from the regular season and the playoffs.
Free Agents
All Apex Fantasy Football Money Leagues use a "blind bidding" free agent acquisition system. The blind bidding waivers run from Tuesday at 8 am EST until Wednesday at 10 pm EST. To start the season, all owners will receive $500 in bidding money for the entire season.
To pick up a player during waivers, owners must bid a minimum of $1. The team with the highest bid will receive the player, for the amount they bid. Other teams will not be able to view your bid (hence the term "blind bidding"). Players who were dropped during the bidding process will not be available for acquisition until the next blind bidding period.
Once all the bids are processed, the "first-come-first-serve" waiver period starts on Wednesday at 10 pm EST. Players lock at the kickoff of their game. The first-come-first-serve waiver system is a standard continuous waiver system. These pickups do not cost any bidding dollars.
If your team roster is full, you must drop a player to acquire a player. Your roster may not exceed 18 players. Players that are picked up are available immediately to play and to be traded. Any bid that includes a dropped player must keep said dropped player to complete the bidding transaction. The blind bidding system does what it is instructed to do. Bidding tiebreakers are determined by which team submitted the claim first.
We understand that owners accidentally drop the wrong player occasionally. When this happens, send us an email as soon as possible at email@example.com and we will investigate and attempt to correct the error. We must be notified before the player is picked up through blind bidding. If the player has been awarded to a team through blind bidding, it is final and irreversible.
Owners cannot use adding players as a weapon. If an owner in your league is adding players and dropping them so they are locked, send us an email as soon as possible at email@example.com and we will investigate and correct the situation if intervention is deemed necessary.
Blind bidding waivers will process on Wednesday at 10 pm EST after the completion of the draft and "first-come-first-serve" waivers will follow. This same schedule will continue throughout the season. Refer to your league calendar for exact dates.
If a team has no future games scheduled, they are not allowed to make any roster moves.
There is no trading prior to or during the draft.
There is no limit to the number of trades a team can make in a given week or throughout the season. Both teams must approve the terms of the trade for it to be confirmed. Once confirmed, the trade is automatically processed. Once completed, trade results will be posted on the league website and a transaction record will be listed. The team rosters will also be automatically updated. Trades must be completed and confirmed by both sides by 5 pm EST on Saturday each week. Trading will start 3 hours after the draft begins and continue until the start of Week 8 of the NFL regular season.
Trades will be monitored for collusion and unfair trades will not be tolerated. If two owners notify Apex of their objection to a specific trade, the trade will be evaluated for fairness by the league commissioner.
Any objections to a trade completed during a week must be emailed to Apex by 10 pm EST on Saturday of the week during which the trade was completed. Once a trade is approved, or if two objections are not received by Apex by 10 pm EST on Saturday, the transaction is final.
Draft slots can be traded if the commissioner is notified of the terms of the trade by both parties at least eight hours before the start of the draft.
Refund Policy
If Apex Fantasy Football Money Leagues is unable to fill a league within 30 minutes after the draft start time, we guarantee each owner a reserved spot to another draft of the same price OR a full refund. Despite this warning, Apex hopes to avoid all inconveniences for owners by having leagues filled before the listed draft time.
Absent collusion, Apex will not retroactively adjust lineups. It is the exclusive responsibility of the owner to set his or her lineup. Owners with difficulty setting lineups can notify Apex at firstname.lastname@example.com and have their lineups set accordingly.
Apex Fantasy Football Money Leagues will run abandoned teams. They are not eligible to win prize money but will have set lineups and function like any other team. Apex-run teams do not make trades but players will be picked up in order to maintain a full and active roster.
Conduct that is detrimental to the league or to Apex Fantasy Football will not be tolerated. This includes any harassment in the form of a post or email that serves no purpose other than to cause dissonance within the league or the Apex Fantasy Football Money Leagues organization. Any personal attacks toward fellow owners, or the commissioner, or vulgarity in emails or on the message board will not be tolerated.
Failure to comply with league sportsmanship rules may result in immediate expulsion without refund. This also applies to owners failing to set their lineups – it is unfair for owners to receive free wins because other owners forget or choose not to set lineups or pick up free agents as necessary. Attempts to negatively impact the integrity of the league will also result in immediate expulsion without refund from Apex. Examples include threatening or outright refusal to submit lineups, partaking in bogus trades, disruption of a live draft, etc. Apex also reserves the right to set your lineup for you if by our judgment you are intentionally trying to lose. These rules are simply meant to make Apex Fantasy Football Money Leagues as friendly, honest, and competitive as possible.
MyFantasyLeague applies stat corrections made by the Elias Sports Bureau on Thursday at 10 am ET. The stat corrections can impact your game.
Apex does not take responsibility for the utilization of third-party applications and strongly urges owners to use MyFantasyLeague.com for all aspects of team management.
All prizes won are paid at the end of the season. After the completion of the playoffs, winners will have the prizes deposited into their Apex accounts. We take pride in paying owners promptly. Owners will be paid within a week of winning their league.
Apex notes the probability that players have of winning their league. Players have a 1 in 12 chance (8.33%) of winning first in their 12 team league and a 1 in 4 chance (25%) of winning a prize.
Exclusion for Contest: Players can exclude themselves from contests by contacting Apex. The player must contact Apex at least 30 minutes prior to the scheduled start time of the draft so Apex maintains the opportunity to replace the player.
Expert Status: Apex categorizes players who have reached "expert" status differently depending on various state laws. This measure is in place so that beginners can be warned when entering contests with "highly experienced players". You can note the expert symbol in the lobby when selecting leagues to join. Experts are denoted by the symbol of a crown.
Prohibited Players: any member, officer, employee or agent of an operator or registrant; any spouse, child, brother, sister or parent residing as a member of the same household in the principal place of abode of any member, officer, employee or agent of an operator or registrant; any individual with access to non-public confidential information about contests; any amateur or professional athlete whose performance may be used to determine the outcome of a contest; any sports agent, team employee, referee, or league official associated with any sport or athletic event on which contests are based; any individual located in a state where the conduct of contests is expressly prohibited; or any minor.
Position Eligibility: The position of a player is defined by his NFL team's depth chart.
Apex Fantasy Football Money Leagues are neither affiliated, endorsed, or licensed by the NFL or NFLPA.


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BIO is in Chicago for the 2010 BIO International Convention. Visit this space for updates direct from our food and ag sessions.
By Randy Krotz
Producing a better and more abundant food supply is nothing new to the agricultural biotech industry. For more than a decade, producers around the globe have increasingly put the powerful first generation biotech traits to work in major row crops. These traits have provided insect protection and herbicide tolerance to plants and consistently increased production per acre. Even more recently, the industry has focused on stacking multiple traits within one crop, allowing corn growers, for instance, to protect the plant from both soil and foliar pest while providing herbicide tolerance.
"Tremendous progress is now being made in the development and advancement of biotech traits that will directly impact the consumer," stated Neal Gutterson, president and CEO of Mendel Biotechnology. Mr. Gutterson was speaking and leading a conversation on New Technologies at the 2010 BIO Conference in Chicago. It is obvious that much of the progress that is currently taking place is due to the significant number of collaborations and partnerships which now exist. These ventures will ultimately be responsible for advancing significant consumer-oriented traits or enhancements in a broader spectrum of food crops.
Healthier oils, improved taste and of course continuing to deal with complex traits like reducing crop stress, increasing yield and disease resistance are opportunities that now lie directly before biotech researchers and development teams. Challenges have always existed, but these hurdles are being addressed with even more precise bioengineering tools that aid and speed the development process. Consumer opinion, and ultimately belief, that biotech science is bringing forward a safer and healthier food supply is a goal that is clearly in reach.
The extensive research and regulatory pathways for these new food traits inherently make this a costly process for companies. The investment necessary can actually eliminate some organizations from being able to advance the technology at all, but changes in the process of development being advanced by several organizations could modify the regulatory timeline and thus reduce overall costs.
Randy Krotz has 25 years experience in agricultural and biotechnology related marketing and communications. He has served as Director of Public Relations at Monsanto and the National Corn Growers Association. He is currently Senior Vice President at v-Fluence Interactive and can be reached at email@example.com

subset: commoncrawl


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After four months of non Booker Prize fiction I have returned. The packages have started arriving in the post and finally I've started the Long List for 2012 and this year there was neither rhyme nor reason as to the order I would read them. The first one I picked up off the pile sitting on the shelf just happened to be this one, as we know I'm in for a 12 novel pilgrimage so it seems a good enough place to start.
Harold Fry is retired, an assuming man who never reached great heights in his schooling or career, a man who is sitting at the breakfast table ignoring his toast and wondering if he could mow the lawn again today (he'd done it the day before), when a mysterious letter arrives. A long lost work colleague has written from her death bed from Berwick-upon-Tweed, 627 miles away. Harold writes a polite reply and heads off to catch the morning return post. That's when his pilgrimage begins.
A novel that reaches into the unassuming mind of Harold, his motivations, his fears, his regrets, his ordinariness and his life of being an under achiever. Could a retired man with no mobile phone, sailing shoes, minimal money and no training possibly walk the length of Britain to save a dying woman? Will it help him to understand the slippage in his love for his wife? His relationship with his only son?
So how was it that a truth that could make her smile once, and rest her head on his shoulder, would years later become the source of such resentment and fury? 'You never held him!' she had howled when things reached their worst. 'All his childhood you never even touched him!' It hadn't been strictly true and he had said something along those lines; although she was right in essence. He had been too afraid to hold his own son. But how was it that once she had understood, and then years later she didn't?
Although the story is peppered with interesting characters, motivators for Harold's journey, and there are chapters speaking from his wife's viewpoint, as well as her cries for help to the widower next door, it is the pilgrimage of Harold into his own past, confronting his demons, the places where he should have gone, his failing marriage, his darkest memories where the story rings most true. A "Heart of Darkness" trip by a retired brewery worker into his own self-loathing. Not a spiritual journey of Harold finding faith from a strictly religious sense (although we do have snow globes and other memorabilia of cathedrals) but a physical and spiritual journey of an ordinary man in 21st century Britain.
This is Rachel Joyce's first novel (after a distinguished career writing numerous BBC4 radio plays) and a fine debut it is, a thoroughly enjoyable, although emotionally draining, work which is a worthy inclusion on any Booker Prize Long List. Hard to judge where it sits against the other 11 novels which I'm yet to tackle though. Next up "Philida" by Andre Brink.
Cross posted at my blog.


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Your Custom Text Here
Does your design have a chip that needs programming? We can take care of that. Depending on how many assemblies you would like, we can probably even automate the programming of your chips. This can be a huge time and cost savings. Even if you only have a few devices, we can still load your code for you.
Once your code is loaded up, are there any tests you'd like us to perform? We can perform simple tests like checking for voltages or looking for your oscillators frequency, but most of our customers prefer to have us perform some type of functional test. Let's work together to find the best solution for you, so that when your customer receives their product, we all have full confidence that it will work well for a long time.
Have more questions? Shoot us an email at email@example.com or give us a call at (413) 397-8260.


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Hump Dayyyy 3.5.14 - 3 days before 3rd Anniversary of Seether Carnage
Welcome to the den of the Children of the Blood Red Moon.
Enjoy your stay, or be torn to shreds.~
Please sign up using your character's name, not your username!
Permissions in this forum:
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David writes: >So, given that, I propose for discussion: > >XML linking architecture is indicated by an attribute: > >-XML-ARCH-LINK > >We have AFs something like this: > ><!attlist (whatever) -XML-ARCH-LINK (none | clink | ilink | location) "none"> Playing the devil's advocate.... Assuming that link behaviour *will* be put out into stylesheets, we must ask if we need any fixed forms at all (ie. the sylesheet can decide what comprises a link, and what does not, and what the structure of a link definition needs to be in order to be semantically interpretable). I would say that for interoperability would be the main benefit.Received on Monday, 30 December 1996 23:57:16 UTC
This archive was generated by hypermail 2.3.1 : Tuesday, 6 January 2015 21:25:21 UTC


text: Located on the corner of Thompson and Grand, the newly built property is conceived and designed as a locally inspired, community focused and environmentally thoughtful hotel.The Deluxe King Guestrooms are located on high floors and designed in true upscale residential style with views from large, floor to ceiling windows. The contemporary layout and custom designed furniture include: 315 square feet (29 meters squared) of space; 1 King Bed dressed in natural linens; Private work/dining niche, 42 inch flat screen television; Glass enclosed bathroom features rain shower and 100% Turkish cotton towels, Sony multifunction iPod stations; Reclaimed wood floors; In-room safe; Iron and Ironing Board; Hair Dryer Phone with voice mail. Standard James amenities include: Nightly turn-down service, Custom robes and slippers, Complimentary WI-fi, Cocktail and snack bar. Over sized windows provide an abundance of natural light and a great city view in a panoramic setting. In homage to the creative neighborhood it calls home, all James New York guestrooms feature commissioned art by a mix of local artists.Breakfast, lunch and dinner are available on property.This is a modern building.The lobby is small in size.In the lobby, coffee and pastries from 6am-11am, whole fruit and water all day, wine and Cheese from 6pm-8pm and David Burke signature cookies at 8pm are available to all James guests. The hotel offers 2pm check-in and 2pm check-out. Complimentary wi-fi can be found throughout the hotel. Other services include: triple filtered water amenity in custom bottles, 24/7 business networking lounge with MAC/PC, printer etc. complimentary Lexus Hyprid car service available mornings and early evenings Mon ?Fri. (generally 14th street, Wall street, but flexible), complimentary fitness center, Fitness and Rooftop yoga clased available on request, nightly turndown service by Kee?s Chocalate, and rooftop plunge pool with river to river skyline views and specialty cocktails by JIMMY.Continental breakfast includes coffee and pastries, offered in the lobby daily from 6am - 11am.


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Today I'm going to join the Hand-made Monday blog hop, no. 179. Get clicking guys!
My life in crafts - What I like to do after work. Crafty musings and recording creative ideas.
Monday, 4 August 2014
Cross Stitched Birthday Tags
Today I'm going to join the Hand-made Monday blog hop, no. 179. Get clicking guys!
15 comments:
They are so pretty, I think its nice to do smaller quicker projects inbetween the ones that take a long time. I tend to go with whatever I feel like for crafting, sometimes its knitting, sometimes sewing, sometimes cards etc. It can depend on any number of factors including what mood I'm in.ReplyDeleteReplies
Absolutely! I'm exactly the same! I always craft accordingly to my mood and can have a few (unfinished!!!) projects going on at the same time :) I also like NOT to go with the flow so it's kinda normal for me stitch Christmas cards in July or start Easter projects right in January :)Delete
Hello MarthaReplyDelete
What wonderful Birthday tags, they are wonderful, so unusal and definate keepsakes. I love the little house and cherries. Did they take you long to make. ??
They are so preetty and such a great idea for mini-projects. You are so right, crafting can be a mood activity - I find it quite relaxing to make cards and it is also something I can do while watching the television. Multi-tasking? Hope you have agood week.ReplyDelete
Jill, Christmas Pie Crafts
Very pretty! xxReplyDelete
Fantastic little tags, they will make your gifts even more inviting :)ReplyDelete
Hi Martha,ReplyDelete
nice to have you back here! I missed you already!
Lovey Tags you made!
Happy week,
Aww these are so cute! It is fun to do a quick project once in a while isn't it :) xReplyDelete
What amazing gift tags. They will make presents look so pretty. When I saw your name on my blog I wondered if it was you. Glad to see your back.ReplyDelete
I love these little tags. Unfortunately, I am terrible at embroidering but I have sent this link to my great friend who is an embroidery master :)ReplyDelete


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I think I've finally found my perfect loungewear pants, and I couldn't be happier. I gravitate to the comfiest looking items in my wardrobe for these slow kinda days, a lecture at 2pm just puts your day on hold until its done with so why not go for comfort??
Tee: H&M
Bra: Cos
Joggers: Forever21
Coat: Primark (last year)
Trainers: Stan Smiths
Bag: Vintage
Glasses: H&M


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Our office is open Monday — Friday 9:00 AM to 6:00 PM (1PM – 2PM lunch break) Hawaii Standard Time. Depending on daylight savings time, we are two – three hours behind California, and five – six hours behind the East coast. We try to respond to all questions within 48 hours. Feel free to call, text, or email us with any questions or concerns.
Phone: (619) 796-4522
E-mail: email@example.com for admissions questions -OR- firstname.lastname@example.com for all general questions
During the Spring 2019 semester, please use our temporary address:
P. O. Box 885
Kekaha, HI 96752
You can also contact the church office:
Phone: (808) 821-2228
Address: P.O. Box 1062, Kapaa, HI 96746


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Partners International Interactive Online Gift Catalog Website
Problem: A non-profit organization that did not have the time or resources for their strict 6 week deadline to deliver an interactive and engaging online gift catalog before the 2014 Holiday season. Partners needed IntelliTect's project management skills and software development expertise to help pull off their deliverables in such a short time frame. The high level solutions included, updating their website to help reach their long term strategic goals, design and develop online gift catalog before their deadline.
Solution: Our development team worked very closely with Partners International utilizing the latest UI/UX technologies to create a responsive, vibrant, and enticing online sales catalog. Our team also helped design and promote Partners International branding campaign by creating an appealing/interactive user experience using videos, images, quotes and vision statements. Our website design and Word press development helped achieve the main objective, deliver a website that would engage a large number of people to visit their website and online catalog to help further their mission.


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How to make a million dollars in the next 3 years
You know what's fun?
Money, aka fun coupons. Lot's of em.
Our society is obsessed with millionaires, what it takes to become one, how millionaires spend their money, how their kids spend their money.
But do you know what's more fun than just obsessing over millionaires? Working your ass off and earning that money yourself.
Like most people, I've always wanted to become a millionaire.
Unlike most people, I have also dedicated myself to making it happen.
Over the past 5 years I have been fortunate to be around some wildly successful individuals who have encouraged me to set a goal for myself and pursue it. They have been there to offer advice and mentorship along the way.
I have set a goal for myself and am steadily working towards it. Along the way I have learned a thing or two about what it is actually going to take to reach that goal.
Want to know how to make a million dollars in the next three years? This is what it is going to take.
* Disclaimer: I am not a millionaire nor am I a finance, startup, tech or entrepreneurship expert. These are simply the observations I have made from interacting with, interviewing and spending time with people who have successfully made millions. Most of these observations come from those making money online.
Think long term
You're not going to make a million dollars overnight. Why did I choose three years instead of one? Because you're not going to nail it your first time. It takes trial and error, repetition and pivoting.
The life of a self-made entrepreneur is extremely up and down and if you want to actually commit to making $1,000,000, you have to map out your plan. This is your roadmap and while it will most certainly be littered with pivots and turns, it is what will ultimately get you to your goal. Set goals for yourself each week, each month and each year.
Also, realize that making a million dollars is not that difficult. Don't be realistic about what you are capable of and the the buzz around that word.
Commit and act
Hoping that someday you will become successful enough to make a million dollars is completely different than committing to it by actually holding yourself accountable.
Ever hear the story of how Jim Carrey wrote himself a check for $10,000,000 before he was even close to making that amount of money? He wrote the check, then gave himself 3 years to earn it. He kept it in his wallet until he made $10,000,000 on the movie Dumb and Dumber.
Doing something like that ultimately means very little but what it represents is very important. You have to visualize, commit and then take action.
Lack of commitment is the most common reason people fail. I have seen this first hand. Everyone is looking for short-term results. But if you actually want to make $1,000,000 you're going to not only have to commit but also take action. You're going to have to put down that Forbes 30 under 30 list, the latest Tony Robbins book, your favorite motivational quotes and ACT.
Truth be told, there is never a right time. You'll never be fully prepared to get started. I fell into this trap. I have seen others do it as well. Planning and planning and planning and thinking and ideating.
Everything makes sense on paper until you actually execute and then it all goes out the window and you start over again. You might as well start NOW and begin the learning process. Nothing you read in a 'how to book' will make sense until you put it in action.
There is no substitute for trial and error.
Develop the prerequisite skills
When it comes to making money, it's not always about your product. I have learned that a lot of what goes into making serious money are the intangibles.
Game sense. Hustle. Social skills. Charisma. Awareness. Some of these are skills and character traits that you are either born with or you're not, but some can be worked on and developed.
These are skillsets that allow you to execute effectively. I have been in sales the past 3 years and if there's anything I've learned, its that personality and mindset are 80% of the game.
You have to develop your persona. You have to demand attention. Hold a conversation. Control a crowd. Get people interested in what you have to say.
Why (when you have your product ready to sell) should someone buy from you? People buy relationships, so start creating those now. Not only that, but people buy personality. Work on your communication skills, your vocabulary and your knowledge of your chosen industry. Go so far as to work on your body, your looks, the way you dress. They all go hand in hand. Feel like a million bucks, make a million bucks.
Be smart
Now let's talk about how you're actually going to make this happen.
Don't feel like you have to reinvent the wheel.
Too many people have a vision in their heads that they're going to raise VC money, quit their jobs, build their business, and then sit back and enjoy life. I hate to break it to you, but it barely works like that.
There are over 10,000,000 millionaires living in the United States at the moment. Do you think each one of them created life changing, proprietary, earth-shattering products or services? Heck no! They simply identified opportunity, built and improved on what has already been proven and then went at it with relentless hustle and ingenuity. The internet provides the opportunity to do this at almost unlimited scale.
Don't sit around hoping that one day your million dollar idea will come to you.
I find a lot of people thinking that to make a lot of money they have to sell a company they started, sell an app or simply make large amounts of money at one given time. By all means, shoot for the stars! But the reality is that making money in that fashion is an outlier result. To actually make your $1,000,000, slow and steady is going to win the race.
Here are the three keys I have observed in practice by those who are crushing it:
1. Pick something "boring" and consistent. I'm not saying boring in the sense that it doesn't excite you or your potential customers. I say boring to mean that it is boring in its simplicity. Stop looking for the next big thing. Pick something that is proven and just do it a bit better.
From there, figure out what you should be selling it for. Figure out what it is going to take numerically to hit your goal.
To make $1,000,000 in 3 years (gross revenue), you only have to make $913/day. That's it!
Here are a couple ways to arrive at $1,000,000. You have to sell:
100 items at $10,000 each
1,000 items at $1,000 each
10,000 items at $100 each
20,000 items at $50 each
A $100 product sounds pretty good. To make $1,000,000 you would have to sell 9 of those a day. That's it!
I think this perspective is very important because it stresses the key behind this entire strategy. CONSISTENCY. All it takes is selling 9 items a day.
2. Use your own money to finance it. Don't fall into the line of thinking that you need a ton of money and partners upfront to make your business work. I fell into this early on and went as far as almost raising capital for my first blog. I spent months working on raising money, developing business plans, thinking about partners, roles and responsibilities. Ultimately I discovered that this was all unnecessary. Bootstrap it yourself, rely on yourself and launch!
3. Figure out what it takes to get 1 sale. This is the most important rule.
Making a million is easier than most people think. The key is to identify your 'profit centers.'
These are the areas of your business that drive revenue and are where you should focus the majority of your time. For most, marketing, promotion and sales are the core profit centers. Spend your time here, make it your strength and then outsource the other items that don't drive sales and aren't your strengths.
Once you figure out how much money it costs you to acquire your first customer or first sale, you're off to the races and it all becomes a numbers game. Assuming you are able to get decent margins when acquiring customers you'll spend your time here… optimizing and pivoting as necessary.
The most successful people I know have figured this out and understand that it takes money to make money. They spend tens of thousands of dollars a day and a week on Facebook and Instagram ads to acquire customers. They have figured out the return on these investments and it pushes them closer to a million each day.
4. Make Money While You Sleep
The best way to make money is to do it passively. The great thing about the internet is that it is quite simple to automate this process. Once you have your product and cost per acquisition locked down, it's time to automate the process.
There are countless platforms and services dedicated to helping you automate your sales, marketing and customer service. Use them!
At this point, you're probably wondering what are some examples of successful business models that can make you $1,000,000 in under three years. Below are some ideas, but keep in mind that you need to create your own based on what you are both passionate about and good at. If you've read any of my articles before you'll recognize that I tend to lean towards online business models and e-commerce models. For first-time entrepreneurs and people looking for side-hustlers, I recommend starting this way.
Here are some ideas.
- Self-publishing and distribute a book
- Dropshipping
- Affiliate marketing
- Online products (ebooks, Guides, video courses, membership groups, etc.)
- Consulting
- Speaking
- Media appearances
- Writing opportunities.
- Build an email list you can sell other products around
Now it's time
My last piece of advice? If you're going to set a monetary goal like make a million dollars, do it for the right reasons. I have seen entrepreneurs purely motivated by financial gain create absolute sh*t products that offer no value and do nothing to teach them any lessons. They ultimately fail (and look quite silly in the process I might add)
Going on Alibaba, slapping a logo on a little trinket and trying to sell it online simply because you might be able to squeeze some profit is not in-line with the above.
The above was written for driven people who want to create something derivative of their passion. They want to provide value.
If you want to make a million dollars on your own, you have to provide value.
Take your creativity and give it to others so that they can benefit from it. In return, you will be rewarded for your time and effort.
That is the hustle I want to be associated with and I hope you do too.
Photo: Lil Dickey


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Michael Rozek Redefines Nonfiction
Bruce Rutledge
April 19, 2012
A couple of months ago, the writer Michael Rozek called me out of the blue. I hadn�t heard from him in more than a decade, and
, there he was, on the other end of my cellphone. After we chatted for a while, he mentioned in passing that he had written a couple of book-length manuscripts that went far beyond his work in the 1990s.
Rozek has been a mentor to me since I met him in 1995. Back then, he was working on an ambitious and exciting magazine project, and he recruited me to write for it. I submitted a draft of my first story, and he ripped it apart like no editor has ever done to my stories before or since. Then he spent more than an hour on the phone with me � on his dime, calling me in Tokyo � going line by line through my story, explaining what I needed to do to make the copy really sing. It was the most thorough and thoughtful critique of my writing I have ever received.
From 1976 to 1991, Rozek wrote about two thousand articles for every magazine from
Architectural Digest
Rolling Stone
. Then, after 15 successful years as a freelancer, he decided that enough was enough. He rebelled, leaving a lucrative career behind to start
, a subscription-only publication that wasn�t like anything else of its day. Rozek wrote longer stories that dealt with multiple issues and let his subjects talk in long quotes. And his subjects � a woman who had survived cancer and become a bass-fishing champion; an expert on Samuel Johnson; a radio DJ who talked to the all-night truckers � weren�t from the typical publicity machine; Rozek selected them because he felt they were worthwhile.
At one point, Rozek had 5,000 subscribers to his publication. I was one of them, and I remember being entertained and challenged with every issue.
called it �anti-media media.�
called him �publishing�s rising rebel.�
Rozek set out to make something even bigger � the magazine that I was hoping to write for � but he was unable to find the capital to sustain it.
So more than a decade later, Rozek was once again on the other end of the phone. What did he have to show me now?
Frankly, I was not prepared for what I read. Not even close. Rozek�s new work is mind-blowing.
I remember the first time I saw a Cassavetes movie. It was
A Woman Under the Influence
. What I felt was visceral; I knew I�d never see movies the same way again. I ran out and rented
Opening Night
The Killing of a Chinese Bookie
. Each one gave me what Vladimir Nabokov calls �that little shiver� at the base of my spine.
I get that little shiver when I read Rozek�s new work.
Rozek had put the book-length manuscripts aside while he worked on a film project, but I persuaded him to let Chin Music Press publish them. I�m proud to announce that those two books are being prepared right now, and Rozek is working on a third.
We�re extremely excited to get the chance to bring Rozek�s work to a wider audience. You�ll hear more from us on this project soon.
Number of comments:
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Joe Carpenter
I am eagerly awaiting vol. one.
Ken Rozek
When will the next volume be published?
all stuff copyright 2002-present Chin Music Press or individual creator, thank you


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Guthrie scenic artists partnered with Ms. Muhammad's 9th grade English class to create a mural. Guthrie artists Lydia Francis and Denise Dooley spent 2 days providing paint, professional technical assistance, and mentored students in creating a piece of art reflecting the students interest. This initiative with the Guthrie continues to grow and show the impact of Arts in schools such as North High School.
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Presented at: Worldcon 75, Helsinki, Finland, August 11, 2017
Host: Karen Lord
Base design: Eeva Jokinen
Awards Administration: Nicholas Whyte, Kathryn Duval, Brent Smart
The 2017 Hugo Awards were presented on the evening of Friday, August 11, 2017 at a ceremony at Worldcon 75, the 75th World Science Fiction Convention. Administration of the 2017 Hugo Awards was exclusively the responsibility of Worldcon 75. The Hugo Awards are not administered by the Hugo Awards Web Site.
Due to technical difficulties, the 2017 Hugo Awards ceremony video does not include the first approximately fifteen minutes of the ceremony, including the presentation of Best Fan Artist. The recording begins with the presentation of Best Fan Writer.
The finalists for the 2017 Hugo Awards were announced online on April 4th, 2017. The video of the announcement is available on YouTube.
3319 valid final ballots (3315 electronically-submitted and 4 paper) were cast by the members of Worldcon 75. Per the WSFS Constitution, each category must have at least 25% (830 ballots) participation; otherwise "No Award" must be presented in this category. This did not happen in any category. In the list below, we show the number of ballots cast in that category.
2464 valid nominating ballots (2458 electronically-submitted and 6 paper) were received and counted. Members of the 2016, 2017, and 2018 Worldcons as of the end of January 2017 were eligible to make up to five equally-weighted nominations in each category. Under rules adopted at the 2016 Worldcon, the top six nominees made the shortlist of finalists.
After the ceremony, the Award Administrators released the following reports showing detailed information about the nominations and voting:
- Final Ballot Voting Results
- Nominations Tally
- Nominations Details (Last ten rounds of counting at nominations stage)
- Impact of EPH (comparison of 2017 nomination-tallying system to pre-2017 system)
- Hugo Administrator Decisions
Direct administrative questions about the 2017 Hugo Awards to the Worldcon 75 Hugo Administration Subcommittee.
In some categories, the members voted No Award ahead of some of the finalists. When this happened, we have listed No Award as if it was a finalist, with all finalists listed in the order in which they placed. If No Award is not listed, it means that it placed last in that category.
The results of the 2017 Hugo Awards are:
Best Novel (2339 final ballots, 2078 nominating ballots cast for 652 nominees)
- The Obelisk Gate, by N. K. Jemisin (Orbit Books)
- All the Birds in the Sky, by Charlie Jane Anders (Tor Books / Titan Books)
- Ninefox Gambit, by Yoon Ha Lee (Solaris Books)
- A Closed and Common Orbit, by Becky Chambers (Hodder & Stoughton / Harper Voyager US)
- Too Like the Lightning, by Ada Palmer (Tor Books)
- Death's End, by Cixin Liu, translated by Ken Liu (Tor Books / Head of Zeus)
Best Novella (2178 final ballots, 1410 nominating ballots cast for 187 nominees)
- Every Heart a Doorway, by Seanan McGuire (Tor.com publishing)
- The Dream-Quest of Vellitt Boe, by Kij Johnson (Tor.com publishing)
- Penric and the Shaman, by Lois McMaster Bujold (Spectrum Literary Agency)
- The Ballad of Black Tom, by Victor LaValle (Tor.com publishing)
- A Taste of Honey, by Kai Ashante Wilson (Tor.com publishing)
- This Census-Taker, by China Miéville (Del Rey / Picador)
Best Novelette (2057 final ballots, 1097 nominating ballots cast for 295 nominees)
- "The Tomato Thief", by Ursula Vernon (Apex Magazine, January 2016)
- "You'll Surely Drown Here If You Stay", by Alyssa Wong (Uncanny Magazine, May 2016)
- "Touring with the Alien", by Carolyn Ives Gilman (Clarkesworld Magazine, April 2016)
- "The Jewel and Her Lapidary", by Fran Wilde (Tor.com publishing, May 2016)
- "The Art of Space Travel", by Nina Allan (Tor.com , July 2016)
- No Award
- Alien Stripper Boned From Behind By The T-Rex, by Stix Hiscock (self-published)
Best Short Story (2211 final ballots, 1275 nominating ballots cast for 830 nominees)
- "Seasons of Glass and Iron", by Amal El-Mohtar (The Starlit Wood: New Fairy Tales, Saga Press)
- "The City Born Great", by N. K. Jemisin (Tor.com, September 2016)
- "That Game We Played During the War", by Carrie Vaughn (Tor.com, March 2016)
- "A Fist of Permutations in Lightning and Wildflowers", by Alyssa Wong (Tor.com, March 2016)
- "Our Talons Can Crush Galaxies", by Brooke Bolander (Uncanny Magazine, November 2016)
- No Award
- "An Unimaginable Light", by John C. Wright (God, Robot, Castalia House)
Best Related Work (1903 final ballots, 1122 nominating ballots cast for 344 nominees)
- Words Are My Matter: Writings About Life and Books, 2000-2016, by Ursula K. Le Guin (Small Beer)
- The Princess Diarist, by Carrie Fisher (Blue Rider Press)
- The Geek Feminist Revolution, by Kameron Hurley (Tor Books)
- The View From the Cheap Seats, by Neil Gaiman (William Morrow / Harper Collins)
- The Women of Harry Potter posts, by Sarah Gailey (Tor.com)
- Traveler of Worlds: Conversations with Robert Silverberg, by Robert Silverberg and Alvaro Zinos-Amaro (Fairwood)
Best Graphic Story (1794 final ballots, 842 nominating ballots cast for 441 nominees)
- Monstress, Volume 1: Awakening, written by Marjorie Liu, illustrated by Sana Takeda (Image)
- Ms. Marvel, Volume 5: Super Famous, written by G. Willow Wilson, illustrated by Takeshi Miyazawa (Marvel)
- Saga, Volume 6, illustrated by Fiona Staples, written by Brian K. Vaughan, lettered by Fonografiks (Image)
- Paper Girls, Volume 1, written by Brian K. Vaughan, illustrated by Cliff Chiang, colored by Matthew Wilson, lettered by Jared Fletcher (Image)
- Black Panther, Volume 1: A Nation Under Our Feet, written by Ta-Nehisi Coates, illustrated by Brian Stelfreeze (Marvel)
- The Vision, Volume 1: Little Worse Than A Man, written by Tom King, illustrated by Gabriel Hernandez Walta (Marvel)
Best Dramatic Presentation, Long Form (2885 final ballots, 1733 nominating ballots cast for 206 nominees)
- Arrival, screenplay by Eric Heisserer based on a short story by Ted Chiang, directed by Denis Villeneuve (21 Laps Entertainment/FilmNation Entertainment/Lava Bear Films)
- Hidden Figures, screenplay by Allison Schroeder and Theodore Melfi, directed by Theodore Melfi (Fox 2000 Pictures/Chernin Entertainment/Levantine Films/TSG Entertainment)
- Rogue One, screenplay by Chris Weitz and Tony Gilroy, directed by Gareth Edwards (Lucasfilm/Allison Shearmur Productions/Black Hangar Studios/Stereo D/Walt Disney Pictures)
- Stranger Things, Season One, created by the Duffer Brothers (21 Laps Entertainment/Monkey Massacre)
- Deadpool, screenplay by Rhett Reese & Paul Wernick, directed by Tim Miller (Twentieth Century Fox Film Corporation/Marvel Entertainment/Kinberg Genre/The Donners' Company/TSG Entertainment)
- Ghostbusters, screenplay by Katie Dippold & Paul Feig, directed by Paul Feig (Columbia Pictures/LStar Capital/Village Roadshow Pictures/Pascal Pictures/Feigco Entertainment/Ghostcorps/The Montecito Picture Company)
Best Dramatic Presentation, Short Form (2279 final ballots, 1159 nominating ballots cast for 569 nominees)
- The Expanse: "Leviathan Wakes", written by Mark Fergus and Hawk Ostby, directed by Terry McDonough (SyFy)
- Black Mirror: "San Junipero", written by Charlie Brooker, directed by Owen Harris (House of Tomorrow)
- Game of Thrones: "The Door", written by David Benioff and D. B. Weiss, directed by Jack Bender (HBO)
- Game of Thrones: "Battle of the Bastards", written by David Benioff and D. B. Weiss, directed by Miguel Sapochnik (HBO)
- Doctor Who: "The Return of Doctor Mysterio", written by Steven Moffat, directed by Ed Bazalgette (BBC Cymru Wales)
- Splendor & Misery [album], by Clipping (Daveed Diggs, William Hutson, Jonathan Snipes)
Best Editor, Short Form (1480 final ballots, 951 nominating ballots cast for 191 nominees)
- Ellen Datlow
- Lynne M. Thomas & Michael Damian Thomas
- Neil Clarke
- John Joseph Adams
- Jonathan Strahan
- Sheila Williams
Best Editor, Long Form (1593 final ballots, 752 nominating ballots cast for 148 nominees)
- Liz Gorinsky
- Sheila E. Gilbert
- Devi Pillai
- Miriam Weinberg
- Navah Wolfe
- No Award
- Vox Day
Best Professional Artist (1633 final ballots, 817 nominating ballots cast for 387 nominees)
- Julie Dillon
- Sana Takeda
- Galen Dara
- Victo Ngai
- Chris McGrath
- John Picacio
Best Semiprozine (1500 final ballots, 857 nominating ballots cast for 103 nominees)
- Uncanny Magazine, edited by Lynne M. Thomas & Michael Damian Thomas, Michi Trota, Julia Rios, and podcast produced by Erika Ensign & Steven Schapansky
- Strange Horizons, edited by Niall Harrison, Catherine Krahe, Vajra Chandrasekera, Vanessa Rose Phin, Li Chua, Aishwarya Subramanian, Tim Moore, Anaea Lay, and the Strange Horizons staff
- Beneath Ceaseless Skies, editor-in-chief and publisher Scott H. Andrews
- The Book Smugglers, edited by Ana Grilo and Thea James
- GigaNotoSaurus, edited by Rashida J. Smith
- No Award
- Cirsova Heroic Fantasy and Science Fiction Magazine, edited by P. Alexander
Best Fanzine (1341 final ballots, 610 nominating ballots cast for 152 nominees)
- Lady Business, edited by Clare, Ira, Jodie, KJ, Renay, and Susan
- Journey Planet, edited by James Bacon, Chris Garcia, Esther MacCallum-Stewart, Helena Nash, Errick Nunnally, Pádraig Ó Méalóid, Chuck Serface, and Erin Underwood
- nerds of a feather, flock together, edited by The G, Vance Kotrla, and Joe Sherry
- SF Bluestocking, edited by Bridget McKinney
- Rocket Stack Rank, edited by Greg Hullender and Eric Wong
- No Award
- Castalia House Blog, edited by Jeffro Johnson
Best Fancast (1211 final ballots, 690 nominating ballots cast for 253 nominees)
- Tea and Jeopardy, presented by Emma Newman with Peter Newman
- The Coode Street Podcast, presented by Gary K. Wolfe and Jonathan Strahan
- Fangirl Happy Hour, presented by Ana Grilo and Renay Williams
- Galactic Suburbia, presented by Alisa Krasnostein, Alexandra Pierce and Tansy Rayner Roberts, produced by Andrew Finch
- Ditch Diggers, presented by Mur Lafferty and Matt Wallace
- No Award
- The Rageaholic, presented by RazörFist
Best Fan Writer (1571 final ballots, 802 nominating ballots cast for 275 nominees)
- Abigail Nussbaum
- Foz Meadows
- Mike Glyer
- Chuck Tingle
- Natalie Luhrs
- No Award
- Jeffro Johnson
Best Fan Artist (1493 final ballots, 528 nominating ballots cast for 242 nominees)
- Elizabeth Leggett
- Vesa Lehtimäki
- Likhain (M. Sereno)
- Ninni Aalto
- Spring Schoenhuth
- Steve Stiles
Worldcon 75 elected to exercise its authority under the WSFS Constitution to add an additional category for 2017 only. A similarly-defined category was added to the WSFS Constitution as a permanent category effective with the 2018 Worldcon; however, the category below is considered an Additional Category under the WSFS Constitution.
Best Series (2340 final ballots, 1393 nominating ballots cast for 290 nominees)
A multi-volume science fiction or fantasy story, unified by elements such as plot, characters, setting, and presentation, appearing in at least three (3) volumes consisting in total of at least 240,000 words by the close of the previous calendar year, at least one volume of which was published in the previous calendar year. If any series and a subset series thereof both receive sufficient nominations to appear on the final ballot, only the version which received more nominations shall appear.
- The Vorkosigan Saga, by Lois McMaster Bujold (Baen)
- The Expanse, by James S.A. Corey (Orbit US / Orbit UK)
- The Temeraire series, by Naomi Novik (Del Rey / Harper Voyager UK)
- The Craft Sequence, by Max Gladstone (Tor Books)
- The Peter Grant / Rivers of London series, by Ben Aaronovitch (Gollancz / Del Rey / DAW / Subterranean)
- The October Daye Books, by Seanan McGuire (DAW / Corsair)
The John W. Campbell Award for Best New Writer (1487 final ballots, 933 nominating ballots cast for 260 nominees)
Award for the best new professional science fiction or fantasy writer of 2015 or 2016, sponsored by Dell Magazines. (Not a Hugo Award, but administered along with the Hugo Awards.)
933 votes for 260 nominees.
Votes for finalists ranged from 88 to 255.
- Ada Palmer
- Malka Older*
- Sarah Gailey
- Laurie Penny*
- Kelly Robson*
- No Award
- J. Mulrooney
*Finalists in their 2nd year of eligibility.
The following nominees received enough votes to qualify for the final ballot, but either declined nomination or were found to be ineligible.
- Best Dramatic Presentation (Short Form): Game of Thrones: "The Winds of Winter" (No more than two episodes of any one show may be finalists in this category)
- Best Professional Artist: JiHun Lee, Tomek Radziewicz (No qualifying publications in 2016)
- Best Semiprozine: Lightspeed Magazine (Not eligible)
- Best Fanzine: File 770 (Declined nomination)
- Best Fan Artist: Alex Garner, Mansik Yang (Initially announced as finalists but subsequently disqualified due to all published 2016 work being professional)
See Hugo Award Categories for a more detailed discussion of the categories. The technical definitions of the categories are in the current version of the WSFS Constitution, and those technical definitions take priority in case of any ambiguity. Decisions regarding eligibility are made by the current year's Hugo Administration Subcommittee, whose decisions are final in all cases.
2017 Hugo Award Finalist Announcement (YouTube)
Live text-based coverage of the 2017 Hugo Awards Ceremony on CoverItLive


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Caregivers in Seminole FL
Having a heart attack is a frightening moment for your elderly parent, but it is also the beginning of a new chapter in their life and in your life as their family caregiver. After your loved one has a heart attack you must think not just about helping them to recover from that heart attack and get their body stronger and healthier. You must also think about how to help them avoid a secondary heart attack. Each year throughout the United States more than 730,000 people suffer a heart attack. Of those, 210,000 of them are dealing with a second or further subsequent heart attack. The consequences of a secondary heart attack can often be more severe than those of a first heart attack because the heart muscle may be weakened due to the first attack. This means it is essential for you as their family caregiver to help your aging parent avoid suffering a secondary heart attack so that they can enjoy a healthier, safer, and more fulfilling quality of life moving forward.
Use these tips to help your parent avoid suffering a secondary or further subsequent heart attack:
• Encourage medication compliance. The medications that your parent's doctor prescribes are vital to their recovery and to their future health. It is essential that they take them when and how they are prescribed to ensure that they get the proper benefits from them. Achieve this by helping them to understand their medications and giving them valuable reminders so that they follow through with them as necessary.
• Look into cardiac rehab. Cardiac rehabilitation is a valuable course of treatment and management designed to improve your parent's heart health now and into the future. Customized to their personal needs, risk factors, and lifestyle, rehab educates them on their heart health, encourages compliance with their medications and lifestyle, and supports them in getting proper exercise throughout their recovery and after.
• Stay in touch with their doctor. Keeping in close contact with your elderly parent's medical team is an important part of making sure that each step of their recovery process is as effective as possible throughout the experience. By attending follow-up appointments with their doctor, your aging loved one and you can ensure that the treatments and medications that your parent is taking are working properly and not causing any excessive side effects, that they are following through with their lifestyle instructions and seeing progress, and that they are not experiencing any new challenges or symptoms that could be causing serious problems to their recovery.
• Find support for them. Getting adequate support can make a tremendous difference in your parent's recovery efforts. It is very normal for someone who has experienced a heart attack to go through depression, anxiety, and other serious mental and emotional health consequences. Encouraging your parent to seek out support from a support group or other source can help them to feel stronger, work through these problems, and avoid serious complications and consequences.
If You Or An Aging Loved One Are Considering Hiring In-Home Caregivers in Seminole, FL, Please Contact The Caring Staff At Assisting Hands Home Care Today! 727-748-4211.
Latest posts by Becky Moultrie (see all)
- Why Is a Caregiver Support Group Important? - May 16, 2019
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- What Can You Do to Assess Your Needs? - May 3, 2019


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Much has changed since the Portfolio Review of August and much has stayed on track. Our expectation that the Federal Reserve, America's central banker, would remain at the zero rate level was confirmed yesterday in a much anticipated Committee meeting. If television viewer ratings were measured for the "announcement" I am sure they would have ranked in the Top 10. OK, maybe at least amongst the investment community. Rates are unchanged.
What has changed is most of the world's GDP forecasts. If you are a reader of our earlier commentary you will find it no surprise that we have been saying for quite some time that both domestic and global GDP expectations were built on hope rather than solid economic facts. This usually happens during a recovery. Everyone expects a rapid recovery quickly returning to Happy Days. Unfortunately, the world of investments follows more practical slower than expected paths. In our view the recovery has been a very nice, slow and steady, while moving to the upside, regaining value along good measures of increased economic activity.
Domestically, housing has exceeded or is approaching many of the pre-2008/2009 values and not demonstrating signs of exhaustion. Retail activity has improved over previous levels while industrial production has returned to a good level supporting industry sectors dependent upon capital expenditures. Employment has improved on all fronts including unemployment rates and recently improved productivity. Personal income has improved as more people are working and all of the new entrants to the workforce have been absorbed while not creating an inflationary environment. Internationally, EuroZone countries are much better than just 24 months ago and Asia/Pacific markets, including Japan are moving forward. China has slowed on a percentage growth rate level but in terms of absolute dollars it is much larger than in previous years and therefore a strong contributor to overall global growth. As in previous recoveries, much of the recovery occurs well in advance of the "experts" recognition. There are always factors that are not performing to expectations. This creates a view or maybe justification as to why the recovery is not perfect. Just as I am sure there are some technology experts that will not abandon the DOS operating system because Windows still has "bugs".
Why did the Federal Reserve not increase interest rates yesterday? We think the answer in straight forward; the data did not support the increase. Even though employment is improving it is not strong enough to bring about wage inflation nor inflation reflected in products and services. We are at "full" employment at 5.1%, some believe that occurs at 3.0% but I believe most would agree that at the 5.0% range, employment factors are good. The other parameter within the Federal Reserve's mandate is inflation. Outside of healthcare and food, inflation has been well behaved and is most likely will remain flat for some time. Scarcity of raw materials nor labor has surfaced and until either one begins to occur, prices will remain controlled.
Also, I believe there was consideration given to the fact nearly every central banker around the world is following some level of monetary easing, even Russia. The U.S. economy is doing well, but would it be strong enough to take an increase in rates and currency such that it would not give international manufacturers an advantage? Probably not. A rate increase certainly would raise the associated costs of all financing during a period where debt incurrence is not robust thereby potentially slowing economic activity. Additionally, the U.S.$ would most likely strengthen further placing American producers at a pricing disadvantage again potentially slowing the economy. The downside probability was simply greater than the upside gain of regaining use of interest rates as a central banker tool. The Fed wants this tool back in the toolbox. I think it will just have to wait until other nations begin to see stronger economic activity and move away from quantitate easing (QE) and move to a neutral position as the American Federal Reserve many months ago.
Now the conversation starts about a rate increase for October or December. It will be difficult to raise rates until global GDP strengthens a bit more and global inflationary pressures begin to appear. In a highly competitive world where barriers associated with trade and commerce are constantly being reduced, monetary policy is not a domestic only event. It may take until 2016 before rates begin to increase around the world.


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The most important thing when trying to get that winter glow comes in the preparation stages. Take a look at My Winter Beauty Secrets post to see my favourite exfoliators and body moisturiser (I'm still choosing my favourite facial moisturiser, so there isn't one on the list, but at the moment I'm using Garnier Dark Spot Corrector). Once I am fully exfoliated and moisturised I then apply my base makeup (Clinique foundation and concealer). After that, I apply the three below products to give me a lovely winter glow!
pink quartz shimmer brick
moon beam highlighter
dazzlelight neutral eyeshadow with shimmer
The Bobbi Brown Shimmer Brick is truly amazing, and I can't believe I've waited so long to try it! It gives you a tiny bit of colour, whilst adding pearly shimmer to your face, radiating a subtle glow that makes you look healthy in the dull winter. I apply this with a thick blusher brush to my whole face. It also doubles up as gorgeous eyeshadows. The Benefit Moon Beam compliments the Shimmer Brick effect by adding extra light and shimmer to the top of your cheek bones and under your eyes. The Mac eyeshadow is just brilliant - this colour is beautiful neutral, enhancing your eyes without looking too obvious.
Why not try these shimmering products to give you that subtle glow this winter?
Love Lucy x


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Modern governance, from local to global levels, relies increasingly on private governance arrangements. The World Wide Web functions on the basis of technical standards devised by the private Internet Corporation for Assigned Names and Numbers. Certification schemes for legally mined diamonds—such as the Kimberley Process initiated by the activists of Global Witness and the world's largest diamond seller De Beers—aim to cut off rebel groups in countries such as Sierra Leone from their core source of income. Mediation and new standards by the transnational World Commission on Dams, strive to put an end to decades of contestation between proponents and opponents of large dams that prevent even reasonable projects from being implemented.
A key contemporary focus of private rule-setting activities is sustainability. Private actors increasingly design, implement and monitor rules and standards that guide and prescribe environmentally and socially responsible behavior in global governance. Even though the involvement of private actors in global politics is not a new phenomenon, the creation of cooperative arrangements in the form of organizations that lead to private regulation - thus complementing traditional ways of political influence- is relatively novel. The proliferation of such private governance organizations whose primary goal is to devise transnational rules for sustainability is at the centre of this research project. Specifically, we are interested in two related questions: How effective are private rule-setting organizations in fostering the environmental and social sustainability benefits they claim to provide? And second, what broader political and economic effects do they have as they gain prominence in global sustainability governance? The project pursues these questions by analyzing a number of hypotheses derived from major theoretical debates within International Relations, in particular from regime theory, global governance studies, and organizational theory. Its research design adopts a comparative case-study format aiming to identify what explains variation in performance and broader effects across and within private transnational rule-setting organizations operating in different areas of sustainability governance. Quantitative and qualitative research methods guide the analysis of this highly relevant and currently understudied issue of private governance.
Contact information: Dr. Agni Kalfagianni, Dr. Philipp Pattberg


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Homecoming Weekend 2017Posted by Sebastian / October 7th, 2017 / No responses
Location: Historischer Speicherboden, Kehrwieder 2, 20457 Hamburg (below Miniatur-Wunderland)
Photos Daytime Program:
Photos Gala Dinner:
Photo Booth:
Thanks to Alina, NIT, Kumar, Bahadır and Tim for the photos.
We are excited to announce the location for this year's Homecoming Event: The Speicherboden in the historical Speicherstadt! We invite you for a special evening in a relaxed atmosphere with likeminded people, old friends and a very fitting venue for Hamburg. We hope to spend a marvelous evening with you, good food, inspiring conversations, and lots of dancing later on.
Last year, the annual NIT Homecoming Weekend took place in the Empire Riverside Hotel in cooperation with the "TU&You" alumni network. Alternating every year, the gala dinner will be held in cooperation with the TU Alumni Network one year and exclusively for NIT Alumni the other year – that means this year, 07th of October 2017, NIT will host an NIT-exclusive homecoming event.
Please note our Terms & Conditions and Privacy Statement for participating in our events.


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Dragons. The word evokes different images–from the serpent-like creature of Asia to the winged giant of Europe, from wisdom and wealth bringer to knights battling fierce beasts. Every fantasy lover knows of the creature as do religious people. While fantasy lovers have longed to ride a dragon or have fought an imaginary one in a role-playing game, religious minded people either wish to avoid dragons or seek them for guidance. The question remains, "Did dragons really exist?"
Over the next several months, I'll explore different aspects of this question. Each month, I'll have a post exploring in more detail one of the points from today's blog. Make sure you check back in to find out more information on this need-to-know question.
How do we go about answering a question when there doesn't seem to be any proof that the creatures exist today? The most obvious answer to that is to look back at history. No, there are no fossil records of dragons per se, but the creatures have left their mark elsewhere.
Dragons across cultures
It seems as if every single culture has a dragon myth or story. Asia is the most prevalent with the year of the dragon and their New Year celebrations with snake-like dragons weaving their way down streets. Europe, however, took a different twist on dragons. They showcase large winged creatures that breathe fire and hoard gold.
If something exists across cultures, then generally there is a grain of truth in the tale. It's these cross-cultural connections that often intrigue me. I've questioned the theme of a day of the dead style celebration that spans from Mexico, to Taiwan, to England. Dragons span cultural barriers; therefore they represent some grain of truth. Could dragons have really existed? Maybe.
Dragons in Legends
From King Arthur to Beowolf to St. George and the Dragon legends tell of dragons and people. Just as dragons span cultures, their tales span countries. The website draconika has a list of legends from England, France, Austria, Japan, and others. The Week lists legends from India, Greece, Babylon, Australia, and Peru. However, generally where there are legends, there's a grain of truth.
What really inspired the story of Daniel killing the dragon god of Babylon or St. George slaying a dragon? Were there creatures that our dragon tales come from? Over the course of the next few months, I'll explore these and more.
Dinosaurs: Dragons in disguise?
The fossil records show creatures of varying sizes some with bird-like qualities some without. Kids have been fascinated with them ever since the first skeleton was constructed in New Jersey. The question remains, could dinosaurs really be dragons?
With their large build, their lizard-like body, and some with the ability to fly, just maybe some dinosaurs were dragons. I'll delve more deeply into this theory in a couple of months.
Fire-breathing Dragons
One of the issues that seem to make people think dragons couldn't have existed is the claim that they blew fire. However, as we'll explore in more detail later, other animals have many of the traits given to dragons, including fire.
Are you excited to explore more about the possibility of dragons existing? Every second Monday, I'll delve deeper into this question. Next month, I'll look into the Celtic dragons. In the meantime, enjoy a nice dragon ride by reading your favorite dragon fantasy, or explore Dragon's Future if you haven't read it already.


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(Reuters) - GE Co (GE.N) agreed to buy flow equipment provider Cameron International Corp's CAM.N reciprocating compression division for $550 million as it looks to benefit from the boom in the development of shale oil and gas fields.
The acquisition is expected to strengthen GE Oil & Gas's high-speed reciprocating (HSR) business by adding higher horsepower models for gas gathering, processing and transmission, GE said on Monday.
High-speed reciprocating compressors are used for gas gathering, gas lift and injection, transmission and storage. The development of shale fields, particularly in North America, has increased demand for these compressors.
Cameron's reciprocating compression division, which has about 900 employees in 20 global locations, generated sales of about $355 million in 2012. It will become a part of GE Oil & Gas's newly formed downstream technology solutions business.
Oil & Gas is one of GE's fastest-growing businesses, with annual orders of nearly $20 billion. Profit has grown at an average 16 percent for the past three years.
Houston-based Cameron, which expects to complete the sale during the third quarter, said it estimated an after-tax loss of about $100 million related to the deal.
Reporting by Ashutosh Pandey in Bangalore; Editing by Joyjeet Das


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It's time again to go under the replay hood and review our 10 predictions for the Ravens-Browns game:
1. The Ravens will score a first-quarter touchdown.
CORRECT. For the first time since Week 2, the Ravens found the end zone in the first quarter. Establishing the run early, Ray Rice had six carries for 32 yards on the Ravens' opening drive, which ended with his 8-yard touchdown run. It was the Ravens' first opening-drive touchdown all season.
2. Ray Rice will have 20 carries.
CORRECT. As expected, the Ravens made Rice a bigger part of the offense than they had in quite some time. The Browns bottled him up for long stretches, but Rice finished with a season-high 25 carries for 98 yards and one touchdown.
3. Bernard Pierce will have at least six touches.
CORRECT. Spelling Rice at times, Pierce also established a season high with seven carries for 26 yards as the Ravens stayed true to the running game. Late in the first quarter, the rookie from Temple took a toss around left end and scored on a 12-yard run for his first touchdown as a pro.
4. Anquan Boldin will have at least four catches.
CORRECT. Boldin torched the Browns in the earlier meeting this season between the teams, with nine catches for 131 yards. He wasn't quite as prolific this time, with five catches for 57 yards, but he was a huge part of the win. On the Ravens' opening touchdown drive, Boldin had three catches for 30 yards. Then in the fourth quarter, after the Ravens offense had been in a deep freeze, Boldin caught a 21-yard pass for their first first down in more than a quarter.
5. Joe Flacco will throw fewer than 30 passes.
CORRECT. With the Ravens turning to Rice and Pierce out of the backfield, the passing game took a back seat. Flacco completed 15 of 24 passes for 153 yards and one touchdown, the nice 19-yard, fake inside, spin outside, beat them to the corner score by Torrey Smith. Flacco has never thrown 30 passes against the Browns, and his total of 24 passes Sunday was his lowest of the season.
6. Trent Richardson will rush for 100 yards.
CORRECT. The Ravens run defense was much improved over the past few weeks, but Richardson still proved to be a handful, rushing 25 times for 102 yards. Overall, though, the Browns rushed for 116 yards, a dramatic improvement for a Ravens run defense that had yielded an average of 207 yards over the previous three games.
7. Terrell Suggs will have a sack.
INCORRECT. Coming off the bye week and seeing his second game action since his Achilles injury, Suggs did play but was fairly quiet, with four tackles and no sacks. Linebacker Dannell Ellerbe recorded the Ravens' only sack of Browns quarterback Brandon Weeden.
8. Josh Gordon will have a catch of at least 25 yards.
CORRECT. The Browns rookie was open at times and Weeden didn't see him or didn't get him the ball, but Gordon did have one catch of 26 yards. He entered the game averaging an NFL-best 22.3 yards a catch, and finished with two catches for 38 yards.
9. The Ravens will win time of possession.
CORRECT. The defense finally got a breather this week after being on the field way too long the previous few games. Relying primarily on the running game, the Ravens had the ball for 31:32, marking the first time since the first Browns game in Week 4 that the Ravens won the time of possession battle.
10.Ravens 23, Browns 20
KIND OF CORRECT. The Ravens extended their streak to 10 straight wins over the Browns, and won their 15th straight game immediately after a loss, but as we predicted, it wasn't easy. The Browns were their own worst enemy at times, but credit the Ravens for stiffening in the red zone and keeping Cleveland out of the end zone. The Ravens' 25-15 win makes John Harbaugh 5-0 immediately after the bye.


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What's more valuable than the money in your pocket and all the revenue your business has brought in to date? You as a person. At the end of the day, there's only one you. That's all the world will ever get to know. The way you present yourself to the world is your founding bread and butter.
It doesn't matter if it's your online presence or the way you deliver a speech to a packed room of executives, the impression you leave behind will define the direction of your career. How much the world values you determines how much they'll value your business.
You have to choose carefully whenever you decide to present yourself. Every word, every minor detail has to support your brand. If you want people to believe what you're selling, you have to walk the walk and talk the talk. Before you open your mouth, be sure you know what you're talking about. Click here to subscribe to the Professor Savings YouTube channel. You'll learn everything that there is to know about managing your money and protecting your brand.


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Disclosure- I went on an all expense paid trip on behalf of Disney to cover the Blu-ray release of Tomorrowland and Aladdin as well as Disneyland's 60th Anniversary. All opinions are my own.
In the movie Tomorrowland, young Frank was an inventor and a dreamer who dreamed big and didn't take no for an answer. I had the opportunity to speak with two Disney visionaries who embody the spirit of young Frank and are paving the way for future dreamers at Disney and beyond. I was so inspired after talking to Charita Carter (Producer at Disney Imagineering) and Mike Goslin (VP of Production and Content at Disney Consumer Products).
Charita Carter
You're probably wondering why I have a picture of hands in this post. These beautiful hands are Charita's and in addition to being a Producer at Disney Imagineering, she is also a hand model. Yes, that is a real job. How cool is that?!?! She was discovered while hold on to a pole while riding a tram. A woman told her she had beautiful hands, asked if she ever thought about being a hand model, and gave her the card for her agent. She sat on the card for a year before she decided "Why not. I have nothing to lose." She called the agency, went on an audition, and they took her as a client. She's hand modeled for all sorts of product commercials and print ads such as Bounty paper towels. SONOS Music System, and Sara Lee. So what does all this have to do with her other career? Hand modeling introduced her to being on the set giving her the opportunity to start talking to Directors, Producers, Camera Men, and Photographers. She has been able to bring a lot of what she has learned from this to her role as a Producer at Disney Imagineering.
Charita said a few things that that really resonated with me. She was so encouraging and motivating. Here are just a few of her thoughts that inspired me:
"Every opportunity take advantage of it cause you never know what you're gonna glean from it and what it can mean for you in the future."
"Follow your passion and really get to know yourself and what really excites you and what really makes you want to wake up in the morning. Then find people who are like minded or are very encouraging. Get a support group of people, kind of like your cheerleaders who believe in you. It's very important to believe in yourself and you'll have those moments where you'll have doubts and it's great when you're surrounded by people who say you can do this. I would also suggest to be very patient. It's great to have a goal and it's great to have a plan and have an actual plan to do that. But I encourage people to be open when new opportunities arise, especially in the creative field because a lot of what we do might might not exist now and you could be the first person doing it."
"Dreams are Wonderful because they're those things that motivate you and they contain your hope and they inspire you. But the real end game is your destiny. You want to find your destiny. You want to find that thing that just you — you were put here to do."
We asked Charita plans for the future with Disney and she said she couldn't tell us about projects that aren't announced yet but she could tell us that both of them will be first time things for the Disney Company. How exciting! We'll have to keep an eye out for that!
Mike Goslin
When we first talked with Mike Goslin we went right into asking him about the newest innovation he has been working on, Playmation. Playmation is 3 years in the making and is finally coming to the market this month. It is a toy that brings old school play and brings it back into the 21st century using technology. The first release is Avengers. The set gives children the gear and stories to give them "superhero powers" in the real world.
"So a kid will be able to put on Iron Man's costume and battle a robot, physical, they'll go across the room, and when he fires, he'll feel a kick on his arm, wipes the screen down, his forearm and the audio will boom and the robot will shake and fall over, so it's– it's a real– you know it feels like you're really firing a holster blaster. It's a lot of devices talking to each other in a coordinated way to create a play experience in the real world, but it's very much like living a videogame. It's very active, so you have to use your imagination, there's no screen required although, if you wanna expand the experience, you can download new content via an app. But you– it's all your imagination and running around, jumping, you know, crawling. It's very much like play used to be running around the yard being physical and using your imagination."
Playmation sounds so amazing. My girls are always using technology on their cellphones, tablets, etc. so I am excited for this new game system that will help them be more active. Playmation will be coming out with Star Wars sets and even Frozen in the future! Mike told us how it took a lot of people from a lot of different disciplines to bring this game to life. Everything from all kinds of electrical and mechanical engineers, as well as writers and artists, and theme park designers and industrial designers. It was definitely a team effort with a very diverse group of skillsets, all coming together with a very clear focus.
We asked Mike what advice he'd give to young, inspiring kids that wanna invent games and he told us he's had to use everything that I've learned in the past to help with creating Playmation and everything else he does. He has a psychology degree, he learned art in college, I did art all through growing up, was inventing stuff in the garage, building forts before there were virtual environments, and so much more that all built his foundation to do the job he does now. He said children should take all those classes, read a lot, play a lot of games- schooling is important.
I love how both Charita and Mike had similar sentiments that everything they did in the past gave them experiences and lead them to the do well in the career they are now. All of their prior knowledge and experiences made them who they are today so always remember that everything you do is a learning experience if you are a true Dreamer!


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griffin+row's product development journey always starts with the ingredients. We source best quality ingredients to make the most natural and healthy range of care products available on the market today.
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In most cases, Wikipedia is the first source of information that comes up when we look for information in the search engines. The site, which was started in 2001 by Jimmy Wales, has helped people get a lot of information on the internet. However, sometimes Wikipedia is not good because it does not have a good mechanism to verify the credibility of information a person inputs under a particular subject. Recently, a Kenyan TV news anchor was amused when he realized that someone decided to update a Wikipedia page about him with information that was totally made up into some form of hilarious personal review.
According to the information in Wikipedia, Larry Madowo is a Kenyan politician born in 1889. He was a former leader of Kazi Party between 1934 and 1945. The edited information continues to add that he was the Chancellor of Kenya in 1933 and a dictator who fueled the circumstances that led to World War II in Europe. In the Wiki edits made, Larry was not born in Kenya but Uganda and mined copper as a young man. The hilarious edited version goes on to say that he attempted a coup in the Girl Scout Movement in Kisumu in 1919.
This cooked story is just a sample of the many incidences that show how Wikipedia can be misused by people with bad and good intentions alike. People have turned the good and selfless source of information that does not ask for a penny for what a person searches into a den of vicious and malicious Wikipedia editors who are only interested in damaging people's reputation and giving false information. Many people don't know the potential the site holds for them when they make a Wikipedia page, and that may be the reason why we find people who are out there to undermine the quality of content on the site. The site holds invaluable benefits to business both small and large. With it, one can create a Wiki page that includes a personal biography, manage online reputation, and add credibility and authenticity to his or her business. The resulting effects can be increased sales volume and enhanced visibility in search engines.
The organization recently came with an API mechanism that will be used to control editing on the site. Other concerned affiliate parties have also come up with a mechanism to ensure there is quality content on the site. For instance, there is Get Your Wiki, a site that provides Wikipedia editing services. You can hire a Wikipedia editor from Get Your Wiki who has a rich knowledge of various social, economic, political and religious aspects.


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Clean India Project and Old Delhi Railway Station1/11/2014
The day after Diwali I took a train to a town near Lucknow. The train started from Old Delhi railway station. It was the day after Diwali so I was expecting a less crowded station. How wrong could I be. The station was an ocean of humanity. Apparently, lots of workers especially from Bihar, who have migrated to Delhi, go back to their home towns for Diwali but after the festival. Oh well.
What was disturbing in this ocean of humanity was complete lack of civic sense among the travelers when it came to cleanliness or hygiene. People were throwing the wrappers from food items, used pouches of tobacco products, water bottles and just about anything they wanted everywhere they wanted including next to where they were sitting or standing. Washing of hands, feet and faces were performed at any empty space they could find. The only concern seem to be throwing dirty water or waste on another human being. However, next to the person was a fair game.
Spitting took on a whole new meaning. Any vertical object; such as pillars, walls, even standing train; was particularly attractive to all "paan" and "gutkha" chewing public. To an uninitiated it looked like a spitting competition.
I was thinking about all the press Clean India Project. The major politicians and other famous people with brooms. Very encouraging pictures. But, shouldn't they focus on teaching people civic sense first. This may not create good photo-op but may actually be a bolder step towards cleaning the country.