text:
Another news organization (this time its the Washington Post) trots out the shopworn more with less nonsense. Weds., February 8, 2012
Rem Rieder
Rem Rieder (firstname.lastname@example.com) is AJR's editor and senior vice president.
There they go again.
A news organization is announcing that it is shrinking its staff. And once again we are reassured that this won't damage the product. In fact, things will only get better!
It's almost like there is a statute requiring news executives to mouth this nonsense. Nobody believes it. Everyone knows it's meaningless corporatespeak. But the beat goes on.
The offender this time is Marcus Brauchli, executive editor of the Washington Post. The Post, which has lost more than 200 newsroom staffers over the past three years, according to the New York Times, today announced another round of buyouts. The paper didn't specify how many staffers it hoped to jettison. The New York Times' Jeremy W. Peters quoted a source as saying the target was 20.
But not to worry, Brauchli said in a statement: "The Post's Newsroom remains formidable, and we will continue making tactical hires so that even as we get smaller, we get stronger."
It's no surprise that the Post is cutting back further. Like all other newspapers, it has been hit hard by the advent of the digital era compounded by the nation's economic woes. Complicating the Post's plight are the sagging fortunes of Kaplan, the education unit whose massive profits for years helped prop up the Post Co. and the paper.
So cut if you must. But spare us the bogus happy talk.
Yes, the Washington Post continues to produce some excellent journalism. But it's impossible to ignore the overall decline of the paper in the wake of the carnage. Resources matter. You can't do more with less, no matter how often you say you can and will.
Senior contributing writer Paul Farhi wrote in AJR's Winter 2011 issue about the way news outlets, when they cover themselves, sugarcoat their own bad news. The same is true of news executives when they deliver that bad news.
I hope the Post does make some "tactical hires" who bring great distinction to the paper and washingtonpost.com. But they'd have to be very tactical indeed to overcome a loss of that much firepower.


text:
Tags: HardcoreHiddenScissoring
Added: 27.10.2018 at 12:14
Duration: 10:20
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subset: commoncrawl


text:
Seventh graders are able to focus more on growing the skills they began to develop in the 6th grade without the added stress to adjusting to the new middle school environment. By 7th grade it is expected that students have acclimated to life as a middle school student and are therefore expected to work more independently and organize their time and schedules with less (but still some) guidance. In general, in 7th grade, students build on the skills they learned in 6th grade by writing and reading more complex and longer texts and essays, using more sophisticated language and strategies in their writing, studying more complex topics across all subjects, and solving and studying more complex mathematical and scientific concepts. In addition they are pushed to deepen their analytic skills in both ELA and Social Studies as described below. This work will prepare them for 8th grade where they will cement and further their skills, ultimately setting them up for success in high school.
Read on for what to expect this year, or jump straight to your 7th grade shopping list.
7th Grade Reading
In 7th grade, students deepen their ability to analyze the texts they read and provide evidence from the text to do so. Specifically, 7th graders learn to examine texts more closely and use details from the text in order to develop ideas, analyze, and make inferences. In addition, they analyze the relationships between elements within one text and across multiple texts while supporting this analysis by citing evidence from the text.
In order to build reading skills your 7th grader:
- Analyzes texts using the text as evidence to support the analysis.
- Makes inferences about texts and uses evidence from the text to support the inferences.
- Understands the message or ideas in a text and uses evidence to support these claims.
- Understands, tracks the progress of, and summarizes the main idea of a text, using evidence from the text.
- Analyzes and explains the relationship between different elements such as character and setting.
- Analyzes the impact of specific language and word choice used in a text.
- Understands how the different structures used in a text, such as poetry or drama, affect the text.
- Compares and contrasts the different perspectives and points of views in a text.
- Determines the author's point of view in a text using evidence from the text.
- Compares different versions such as a stage version, film, or audio version of a text, paying specific attention to the way in which elements such as lighting, scenery, or audio sounds affect the message of the text.
- Compares a historical account of an event, person, or place with a historical fiction text about the same period.
- Read a variety of texts, including stories, poetry, drama, non-fiction, or informative texts.
- Compares multiple texts written by different authors about the same topic and determines how their different perspectives are presented through their presentation of facts and the inferences they make.
7th Grade Writing
Similar to the work they do in reading, 7th graders deepen their writing skills by using analysis, paying close attention to detail and providing reasons, proofs, and examples for the ideas they express. 7th graders write a variety of genres, including informative pieces, opinion pieces, and narratives and they complete both short-term and long-term writing assignments. There is also particular attention paid to research and teaching students to do their own independent research and research projects as described below, specifically through the use of digital resources.
For sample writing pieces that align with the Common Core State Standards, click here.
In order to build writing skills, your 7th grader:
- Writes arguments that present clear reasons and relevant evidence and include:
- Introductions;
- Acknowledgements of opposing claims;
- Logical and orderly presentations of reasons and evidence;
- The use of appropriate transitions, words, and phrases to connect claims;
- A concluding sentence or paragraph which supports the argument made; and
- A formal tone and style.
- Writes structured and well organized opinion, research, and informative pieces that:
- Use supporting claims and evidence that are based on credible texts and resources;
- Include an introduction that has an explanation of what follows;
- Develop topics through the use of facts, detailed quotations, and examples and subject specific terms and definitions;
- Include transitions that connect concepts and paragraphs;
- Include a conclusion that supports the presented idea(s);
- Maintain a formal "essay type" style; and
- Integrate other forms of media and formats, such as graphs, charts, headings, and audio or video when appropriate.
- Writes well-structured narratives (both true and fiction) that include:
- A narrator, characters, and a point of view;
- Descriptive detail and sensory language to describe characters, settings, and experiences;
- Dialogue details and descriptions of characters, setting, and experiences;
- A clear structure with a logical order and flow, as shown through the use of transition words; and
- A conclusion that is connected to and builds on the narrative.
- Plans, revises, and edits writing, specifically with guidance from teachers and peers, focusing specifically on trying new approaches and making sure the writing has a purpose and appeals to its audience.
- Uses technology and the Internet to produce and publish writing.
- Works with others and cites sources.
- Works on multiple, short research projects that answer a specific question and cite multiple sources, while gathering additional questions for later research.
- Uses both print and digital resources to conduct research, focusing on using appropriate search terms and reliable sources.
- Uses quotes and a standard format for citation.
- Uses research to analyze and make inferences.
7th Grade Math
In 7th grade, students focus on proportions and proportional relationships; solving linear equations (equations with variables that plot a straight line on a graph) and equations with rational numbers (integers and fractions); finding the area, surface area, and volume of 2- and 3-dimensional shapes; and analyzing data to make inferences. Students also solve more complex, multi-step equations as well as apply them to real-life applications and solve equations that use rational numbers and which include negative numbers.
In order to build math skills, your 7th grader:
- Solves equations using percentages that pertain to real-life examples, such as discounts, taxes, interest, and tips.
- Graphs different proportions in order to compare them and analyze the steepness of the line that is graphed (which is referred to as the "slope").
- Uses equations to show the relationship between proportions.
- Understands equations related to the distance between positive and negative numbers and negative and negative numbers.
- Understands that a positive and negative number can equal 0. For example, 2 + -2 = 0.
- Adds, subtracts, multiplies, and divides negative numbers.
- Analyzes scale drawings (drawings that represent real-life objects, such as cars or buildings and their measurements) in order to solve equations about them.
- Understands that an increase by 5 percent is the same thing as multiplying that number by 0.05.
- Solves multi-step equations that include different forms of numbers, such as fractions, decimals, and percentages.
- Uses statistics specifically to understand and infer information about a group or sample as well as compare 2 different groups or samples.
- Graphs statistics and uses the graph to further analyze a group(s) or sample(s).
- Predicts the probability of something based on collected data.
6th-8th Grade Science
Neither the Common Core nor National Standards breaks down expectations for middle school by grade. Instead, both institutions specify standards for middle school as a whole. Below is a list of skills covered throughout middle school. Consult your child's teacher for more specifics pertaining to the topics and skills covered in her science class.
In middle school, students continue to deepen their knowledge and skills in the physical, life, earth, and space sciences. There is a specific focus on explaining and understanding real-life events and processes in relation to the concepts and topics learned. 6th-8th graders also focus on applying scientific methods as described below in order to deepen their understanding and work like actual scientists.
In order to build science skills, your 6th-8th grader:
- Plans and conducts investigations and experiments.
- Applies the scientific method in order to practice like a scientist (there are many different ways people present "the scientific method," but here's a basic example):
- Questions, observes, and researches.
- Develops a hypothesis (based on observations and research).
- Make predictions.
- Experiments and follows multi-step processes and instructions in order to conduct experiments.
- Develops a conclusion.
- Compares the results of an experiment to what is written about the topic in a text.
- Analyzes and interprets data.
- Uses measurement and mathematical computations while working with data.
- Develops and presents explanations for processes and practices used and results obtained.
- Determines the main ideas of a scientific text and cites specific evidence to support ideas and claims about scientific texts.
- Learns topic-specific science vocabulary.
- Analyzes relevant charts, diagrams, and graphs about a scientific topic.
6th-8th Grade Social Studies
The Common Core does not address the specific topics to be covered in 6th grade; instead, it specifies the set skills to be covered in middle school. The grades in which these skills are covered and which topics are included vary according to different states' standards. Consult your child's school or state standards for further details on the specific material your child will study. The following skills have been set forth as essential for social studies and history in middle school.
In order to build social studies skills, your middle school student:
- Reads primary and secondary sources in order to:
- Analyze the texts using evidence.
- Understand the main ideas of the text.
- Relate the texts to important historical events or concepts.
- Distinguishes between fact and opinion in a text.
- Uses technology and media to better understand concepts taught.
- Compares primary and secondary sources about the same topic.
- Learns about historical events within a context and as related to things such as geography, economy, and social and political factors.
- Learns about topics like ancient and global civilizations to gain a deeper understanding of history and the present global community.
Curricular-Related Activities for Your Family
Listed below are activities you and your middle-schooler can do at home that will reinforce and further the learning done in school.
Shared Reading Experiences: Share and talk about the main ideas of articles with your child that are about material she learns in science, social studies (including current events), or topics she finds relevant or interesting. Share items in articles having to do with data collection and analysis as studied in math. You can even read the same book that your child is reading for English and form a family book club.
Write for Enjoyment: Encourage your child to keep a journal; try keeping one yourself. When you or your child finds a passion topic, write about it in a relevant way. For example, write letters to favorite authors, write letters to publications about articles or even try and submit an article to a local publication or website.
Share and Solve Math in Your Life: When you encounter math in your life, show your child how you solved the relevant math equation or have him assist you in solving it. This may occur in areas such as:
- Changing the measurements in recipes, especially when it involves adding, subtracting, or multiplying mixed fractions.
- Computations having to do with creating and working with a budget.
- Figuring out distances when traveling or sales prices when shopping.
- Data collection or analysis.
Use Technology to Enhance Your Child's Learning: Since most middle-schoolers are technology fans (and experts), encourage your children to use technology to "show what they know" or further their learning. Of course, as with any use of technology, be sure to monitor your child's technology use, access, and communication with others. Some ideas to get you started:
- Making short-video book reviews of books being read.
- Making quick videos (or using one of many various apps) for presenting short narrated lessons about topics being learned so that your child can teach you.
- Create photo collages or scrapbooks of work completed and or books read.
- Create a continuous conversation via email or another technological format in which your child sends you quick snippets (pictures and or texts) of something interesting she learned. Follow up with questions or comments on what your child sends.


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Rump Steak
from £4.95£2.20\100g
from £4.95£2.20\100gSelect options
Our dry-aged, grass fed rump steaks are cut from the hind quarters of the animal without external fat and are well textured with plenty of deep flavour and a meaty bite which allows them to hold a rich sauce. We bring out their full, rich flavour by dry ageing them in our dedicated drying room for at least 28 days, allowing it to mature and develop.
Our dry-aged rump steaks come from small, family farms in Dorset and Wiltshire and are 100% grass-fed which means they are high in Omega 3 and full of vitamins.
Dry-aged for 28 days.
1 steak per pack.
Additional Info
Gluten Free, Dairy Free
Your earliest collection date is
Tuesday 05th May*
from The Dorset Meat Company at DT11 8HB
*select your collection day at checkout
Your earliest delivery date is
Wednesday 13th May*
We deliver across the UK
*select your delivery day at checkout
Get Rewarded
Our Farms
At the Dorset Meat Company, we work with 20 small, family-run farms in Dorset and Wiltshire that all work to produce ethically reared, nutritious meat, in a natural growing environment, in harmony with nature. Animals that have been allowed to grow at a natural pace and have not been rushed.
All our dry aged, grass fed rump steaks are sourced from native breed cattle reared on small, family-run Dorset and Wiltshire farms that have been purely grass-fed on lush, natural pastures. Grass-fed beef has a better ratio of Omega 3 to Omega 6, is high in antioxidants such as vitamin E and contains higher vitamin and mineral levels. Eating meat from animals that themselves have only eaten a natural diet of grass, wildflowers, clovers and legumes, rich in essential vitamins and minerals and untainted by chemicals and pesticides, makes a whole lot of sense. It's a healthy choice to make.
Our Red Rubys, Aberdeen Angus and Dexter breeds have been allowed to reach maturity at 30 to 36 months naturally, to produce beef that has outstanding depth of taste and texture with wonderful marbling. To lock in the great flavours you expect from high-end, grass-fed beef, our meat is dry-aged for at least 28 days and prepared using the finest traditions of British craft butchery.
We believe strongly that small-scale farming is better for the farmer, the animal, the local ecology, and for you, producing exceptionally tasting, ethically reared meat that you can trust completely.
What our customers say
"Some of the best beef I have ever tasted! Top quality customer service, and top quality meat."
"The best quality meat that I've ever experienced and that's coming from an avid meat fan! I've shopped around extensively and cannot find a better value source of grass fed beef in the UK."
"Just WOW !!! The meat is top quality and great delivery service."


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I was able to chat with Kred's CEO Andrew Grill about how the site works, what their plans for the future entail, and what his thoughts are on using the site to find candidates.
Kred has the potential to be a very powerful way to source passive candidates. As a sourcer, you can search through the Kred "communities" to find people that are influential about topics that relate to your business, and/or your open positions. For example, a brand like R.E.I. may search the hiking and sports communities, and someone hiring for a marketing position may browse through the advertising community.
What I find most interesting about Kred, as compared to Klout, is that a Kred score will show you a candidate's level of influence and engagement for a particular community. A person's Kred for one community will be different than their Kred for another, so you can get a good gauge of how influential a person is on a given topic. For example, I tweet more about recruitment than I do about marketing, so my recruitment Kred is higher because that's where I'm most influential.
This site is going to be a gold mine of passive candidates as they continue to grow - so keep an eye out!
Read on for the full interview.
Jen Picard, Identified: Which social channels does Kred measure? Are there plans to add more?
Andrew Grill, Kred: Kred influence and outreach scores are calculated from Twitter interactions, and when people visit our site they can also add Facebook. We include offline achievements with our Kred Moments feature. We plan to continue adding more social media platforms and other indicators of influence.
J: What are communities, and how do they work?
A: Communities connect people with similar interests and help create meaningful relationships. We use keywords and hashtags in a person's Twitter bio and public posts to identify which communities they belong to. For example, if someone says in their bio that they are a "Dachshund owner," they will be counted as a member of the Dog Lovers community. A person will be considered to be influential in a community if they are frequently replied to or retweeted by people in that community - even if they don't share its interests.
J: If I'm a candidate, and I want to get a job in a certain field, how can I use this Kred to my advantage?
A: One of the things we want to help people do with Kred is connect with like-minded people, and often these connections are professional. You can visit Kred.com to find influential people in the communities where you are looking for a job, then follow and interact with them. A high Outreach score indicates that a person has a history of interacting with others in their community, so you can think of it as an indicator that someone is open to chatting and likely to respond.
J: How can recruiters use this tool to find job candidates? Can it be used for sourcing candidates, screening applicants, etc?
A: We would never recommend that an employee be selected based on a single metric. Even so there is certainly a lot of public information that will be interesting to recruiters at Kred.com. Kred is completely transparent, so anyone can see exactly what composes a candidate's influence score and if their influence is rooted in something that is relevant to the position. If a recruiter knows a candidate's Twitter handle, they can view their Kredentials and their recent interactions. Kredentials includes their influence and outreach scores, commonly used words and hashtags, and communities where they are most influential.
Recruiters can also identify and contact the top influencers in the communities they are targeting, a good method for meeting people and finding passive candidates.
J: For which types of positions would this tool work best? Would you be limited just to searching through communities, such as Marketing, Finance, and Architects?
A: It can work with any position. If someone is influential about something online, it's likely they have real world wisdom as well or others would not be following and interacting with them. Recruiters may also wish to consider using our Playground social analytics platform so they can search by relevant keywords like "Software engineer," and then sort by Kred.
J: Do you have any recruitment success stories?
A: Kred is working with a range of companies in the recruitment and professional services space, and is not able to share individual stories at present.
J: What are your enterprise solutions?
A: Kred Rewards can help brands reach targeted audiences, promote events and product launches, learn about customers and competitors, and increase social media ROI. Kred Events finds the influential people in temporary communities like trade shows or TV audiences in real time by gamifying the event's social media stream. Playground, our social analytics platform, helps social media teams research, manage, analyze and report on their streams. Our API gives developers easy access to our datamine of social data from Twitter since 2008, public Facebook posts, over 40 million blogs and forums, and other public social data sources.
J: What's the difference between Kred and Klout?
A: Kred is composed of two scores: Influence and Outreach. We also give scores in hundreds of communities rather than just a single global score, meaning that everyone has a score in every community; your influence may vary in each based on your interests and who you interact with.
Kred updates in real time. You'll see the effect on your score of an interaction within minutes by visiting your Kred Activity Statement. Finally, we are completely transparent. Our scoring algorithm is published at http://kred.com/rules. Between our openness and the Activity Statement, there can be no confusion about the sources of anyone's influence and Kred score.
We are also the only influence measure to let people include their 'real world' accomplishments through our Kred Moments system.
Views: 337
Thank you Jen - very cool.


text:
Tuesday, May 27, 2008
Best College Football Schedule Idea Ever
We take pride in Poon of the SEC's objectivity and the ability to stay out of the passionate rivalries between SEC schools. We take some playful jabs here and there but consumers of our little community know our sole motivation for continuing this blog is one thing only: HOT SEC POON.
The rationale behind this little reminder is to make sure all SEC fans know that we are not in the tank for Alabama. It is difficult not to appear to favor the Crimson Tide after staring at this hot Roll Tide busty pooner and revealing the best 2008 college football schedule idea ever.
Bama fans everywhere have found their new computer wallpaper and screen savers. Yes, you are welcome but thanks should go to the hot Bama pooner.
We would love to see this idea catch fire and if other SEC fans can produce similar 2008 football schedule poon creations for their individual schools, send them over to us and we will do our part. firstname.lastname@example.com
UPDATE: For those interested in the completion of our pooner bowl recaps, they are currently under production. We plan on breaking them out gradually. Always and forever, Sec Poon rulz.
8 comments:
there's a schedule in that post???
- May 27, 2008 at 8:20 PM
- Wesley said...
Thank you for covering her face.
- May 27, 2008 at 8:36 PM
i did a little research after you told me about your "thing", and if you want a way to make more money using your your blog you can enter this site: link. bye.
- May 29, 2008 at 9:52 AM
Aside for her +2s, this girl has no redeeming qualities. She is beat. Surprising that a girl from Alabama would be unattractive......
- May 29, 2008 at 12:24 PM
Why not!
Florida Gator Schedule
- June 8, 2008 at 4:51 PM
This girl is Far from unattractive......She is HOT! I saw her on TV last week!
- June 10, 2008 at 10:44 AM
- Craig said...
Awesome Blog weres the Big XII poon?
- June 19, 2008 at 8:32 PM
- Host Pay Per Head said...
It is quite easy to get distracted at work with the first picture and the last one.
- May 3, 2013 at 9:38 PM


text:
Previous Lecture
Complete and continue
The Seller Academy Masterclass for Canadians
Welcome to The Seller Academy (1:16)
Viewing this Course Offline on your iPhone (Apple users only) (0:40)
Join the Seller Academy Mastermind Community
My Background: How I got started with Amazon FBA (9:53)
The Reasons Amazon Sellers Fail (9:26)
Step 1: Amazon 101 - Start Here if you're Brand New (Skip Ahead if you're already selling)
Why Amazon FBA? (6:05)
Choosing a Professional or Individual Account Type (2:31)
Registering for A Seller Account: The Fine Details
Updating Your Deposit Method (Banking Information) (4:10)
Common Acronyms used by Amazon Sellers
STEP 2: How to Sell on Amazon.com (in the US) for Canadians
Common Misconceptions about Selling on Amazon in the US (5:14)
Introduction and How to Sell on Amazon.com eBook (18:36)
US Bank Account and Credit Card options for Canadians (4:17)
Importing into the US from Canada (Getting your Products over the border) (12:14)
United States Sales Tax Requirements for Canadian Amazon Sellers
US Income Tax Requirements for Canadians
STEP 2: Selling on Amazon Canada (Amazon.ca)
Why Canada? The Benefits of selling on Amazon Canada (72:28)
Amazon Tax and Accounting-related Questions from Canadian Sellers
Canadian Income Tax Requirements
Canadian Sales Tax Requirements
STEP 3: Sell your first $100 on Amazon (For Brand New Sellers)
How to make your first $100 on Amazon - Start Here (2:23)
Method 1: Sell A Few Used Books (2:23)
Details on Selling Used Books on Amazon (12:58)
Download Bookselling for Canadians eBook
Retail Arbitrage (AKA: Buy Stuff From Walmart and Re-Sell on Amazon) (10:59)
STEP 4: Online Arbitrage: A way to get started for new sellers
Introduction to Online Arbitrage (0:52)
Overview of Online Arbitrage (9:07)
A real example and the POWER of OA! (7:34)
My two rules for OA (0:51)
How to find products (21:09)
International Arbitrage (3:51)
Putting it all together (2:05)
STEP 5: Shipping and Logistics
Creating a Shipping Plan
Printing FNSKU Labels
Creating an LTL Shipment
Using Prep and Ship Companies
Download a List Of Prep Companies
STEP 6: Building a REAL Business with Wholesale Accounts
The Wholesale Truth: Why you need Wholesale Accounts (7:30)
Wholesale Myths (9:14)
Types of Wholesale Suppliers (4:04)
Where to Find Wholesalers: Tradeshows/Packaging/Directories/Reverse Searches on Amazon (7:44)
Appearing Professional: Business Cards/Website/GST Number/Obtaining an EIN Number (4:44)
Reaching Out To Suppliers: Making Contact/Dealing with objections/Asking the Right Questions (10:41)
Scaling your Wholesale Business to Seven Figures (5:36)
Download a List of 170 Wholesale Contacts
Download and Read The Wholesale Truth eBook (Contains sample email templates and scripts)
STEP 7: Creating Bundles - Recommended For All Skill Levels
Bundles - The Often Overlooked Sourcing Strategy (VERY IMPORTANT FOR EVERYONE) (6:40)
What's a Bundle? And Why you Should Care (15:46)
How to Apply for a UPC Excemption (10:42)
Bundle Checklist (12:44)
Creative Bundle Ideas
Calculating Your Costs
Why Will People Buy Your Bundle
Types of Bundles
The Secret Sauce
The All Important Listing Title
Your Image is Everything!
Brand names vs Generic
Packaging and Shipping To Amazon FBA
Preventing Competitors from Jumping on Your Bundle Listing
Marketing Your Bundle
Where to Find Stuff to Create Your Bundles
STEP 8: Creating Amazing Listings that Convert
Creating a listing
Optimizing your listing to CRUSH your competition
Adding professional photos that convert
STEP 9: Promotion and PPC Ads
Understanding Advertising and Promotion Options
Creating a PPC ad campaign (12:05)
Promoting Your Products (11:58)
STEP 10: Become a Brand Ambassador - Representing Brand Owners (Advanced Strategy)
Introduction (13:39)
Finding Products (11:31)
Reaching out to Brand Owners
Seller Liability Insurance (27:25)
Operations - Systemizing your Business so you can outsource and scale
Daily Tasks to Perform
Daily Account Health Checkup
Removing Negative Feedback
Fixing Stranded Inventory
STEP 11: Brand Registry
How to get on the Amazon Brand Registry (6:24)
Adding Videos to Listings
Complete Bookkeeping System for Canadian Amazon Sellers (Using Quickbooks Online)
Introduction (3:23)
Adding Users and Inviting an Accountant (1:45)
Configuring your Company Settings (5:33)
Upload & Manage Chart of Accounts (4:08)
Connecting Bank & Credit Card Accounts (3:20)
Taxes: GST/HST (3:32)
Taxes: Provincial Sales Tax (3:57)
Setting up Tax Rates in Quickbooks (4:25)
Adjusting your Tax Settings in Seller Central (3:08)
Downloading Tax Reports from Amazon Seller Central (7:42)
Amazon Seller Fee Invoices (3:26)
Categorize Transactions (3:58)
Reconcile Accounts (2:58)
Recording Amazon Payout Deposits (20:12)
Profit and Loss Statement (3:32)
Balance Sheet (2:27)
Recording your year end Inventory Balance (5:15)
Detailed Inventory Tracking (4:08)
Creating your OWN products (Private Label) (FOR EXPERIENCED AMAZON SELLERS ONLY)
Part 1: How to create your own private label products (23:00)
Part 2: The Private Label Process (8:33)
Part 3: Market Research (7:14)
Part 4: USPs (4:27)
Part 5: Factories & Sampling (1:11)
Part 6: Branding (4:56)
Part 7: Logistics - From China to Amazon (7:12)
Part 8: Listing and Selling your Product (11:58)
Part 9: Case Studies & Challenges (7:41)
BONUS: How to Turn a Brand New product into a Best Seller
PRO Tips
Why you should consider raising your ASP (Average Sales Price) (7:31)
Bonus Material
Outsource Everything (1:49)
Hiring Virtual Assistants (33:59)
The top 12 things you need to do to be successful selling on Amazon (7:15)
Facebook Advertising (7:48)
Beyond Amazon
Adding professional photos that convert
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text:
Technical Paper
A Comprehensive Study of Hole Punching Force for AHSS
The elevated strength of advanced high strength steels (AHSS) leads to enormous challenges for the sheet metal processing, one of which is hole punching operation. The total tonnage must be estimated at each trimming stage to ensure successful cutting and protect the press machine. This paper presents the effects of hole punch configurations on the punching force with the consideration of punch shape, cutting clearance and material grade. The hole punching experiments were performed with DP590, DP980, DP1180 and one mild steel as a reference. The punching force coefficient is defined and presents a negative correlation with the material strength based on the experimental data. Surface quality was examined to analyze the damage accumulation during the punching process. The cutting mechanisms with various punch shapes were revealed through an extensive finite element simulation study.


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E-Shape 25mm Pipe Frame Shelf kit - for 300mm wide plank (choose qty frames)
Regular price
All the guess work is removed. Just multiply the qty of these frames to suit your needs.
Shelf height is 350mm apart (center to center of Tee fittings). Total height is approximately 1400mm.
Purchase a shelving kit that suits your needs by ordering the quanity you will need for your project.
The pipes / kits are made to fit a 300mm wide/deep plank. You can purchase the wood under the wood section to the length you need or source your own wood.
We provide them in standard galvanised finish or you can spray paint them a colour yourself. We recommend that you use the brand Rustoleum, available at any Builders Warehouse shop close to you. A wide range of colours are available.
Or we can quote to powder coat them in a colour, just contact us. Lead time for powder coating is approximately 10 days before shipping.
If you need a custom size for your project, send us an email with all the needed detail for a quote.


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How to manage your loan in times of change
Douglas Piening
'Times they are a changin' is the 1964 Bob Dylan classic but 54 years later those words have never been more relevant. We have a change of Prime Minister almost annually now and of course we have the ongoing reality of climate change (unless you're a climate denier of course). In the world of home loan finance, it has also never been more complicated with regulatory focus and policy change a daily feature of our inbox. People's lives change too, whether it be through job loss or a relationship breakdown.
What can you do, to best manage your lending in this constant state of flux?
What counts as genuine savings in a loan application?
Douglas Piening 23/8/2018
Genuine savings or equity are generally needed in the application process. If you apply for a home loan, particularly if the loan is for more than 80 per cent of a property's value, you'll more than likely have to prove to lenders that you have a satisfactory amount of savings. This is to demonstrate your ability to funnel a portion of your income into repayments. Read More
I choose to see the glass as half full
Amid talk of a Credit Squeeze and predictions that house prices will fall, especially in the major cities of Melbourne and Sydney you could be mistaken for thinking it was all doom and gloom. I would prefer to focus on a few of the positives in the current environment!
Conditional pre-approval can give you the ability to negotiate with confidence.
Buying a home can be stressful. It can be more stressful if you have uncertainty around your financial situation when you are looking to buy a home.
Smart tips for paying off your home loan sooner!
Douglas Piening 31/5/2018
Wondering how to pay off your home loan sooner? We look at some things you could do.
Australian home loan interest rates remain at historic lows, and the opportunities for paying off a mortgage early are better than ever. Used in conjunction with low rates, here are some extra steps that can speed up loan repayments and reduce your loan balance.
Make higher repayments
One of the easiest ways to quickly reduce the balance of your mortgage is to make larger loan repayments. The minimum repayments required on a loan are calculated on the amount owing and the prevailing home loan interest rate. Repaying more than the minimum can cut the overall term of the loan and save you thousands of dollars in interest. A mortgage repayments calculator will quickly show what savings can be achieved.
Some lenders may charge you an early payment cost for paying your loan in advance. This is particularly the case with fixed-interest loans, so it's always best to check up-front. These costs can be large.
Make more frequent repayments
Home loans are often structured so that you make monthly repayments. But making fortnightly repayments instead can reduce the term of a loan and save interest. By making fortnightly repayments, you are paying the equivalent of half of your monthly repayment every two weeks. This allows you to make the equivalent of one extra monthly repayment per year. Extra repayments will ensure the loan balance is lower at the time of the month the interest is calculated.
Use an interest offset account
Most lenders allow you to package a mortgage with an interest offset account. An offset account allows you to reduce the amount of interest paid on your loan by offsetting the amount in the (offset) account against your loan balance. Wages and other income can be deposited into your offset account. Note that you don't earn interest on the funds in the offset account, and that offset is usually only available on variable rate loans.
Seek out lower rates
Although obvious, many borrowers take out a mortgage and then stop following the home loan market. With interest rates constantly changing, it pays to monitor the latest rates. If rates go down, contact your lender or broker and ask if they can reduce the rate on your loan.
Don't take the rate cut
When a lender reduces the interest rate on its home loans, usually in line with a cut in official interest rates, your first thought may be to reduce your loan repayments accordingly. However, by maintaining your loan repayments, you effectively repay more than the minimum loan repayment. If it's possible to do so, this will help you cut the term of the loan and save on interest.
Pay both principal and interest
While you can make lower repayments by choosing an interest-only loan, doing so means the principal component of the loan will not be repaid while you are only paying interest.
Pay fees upfront
When initially taking out a mortgage, lenders will often roll the establishment costs and charges into the loan. While this may help the short-term budget, it's worth paying these costs separately to lower the overall balance of the loan from the start.
Use your home equity
As home prices rise, you build more equity in your property. Redrawing funds from a home loan to pay for renovations and other costs can be a much cheaper source of funds than others.
Set up a split loan
A split loan, sometimes referred to as a combination loan, enables borrowers to divide their mortgage into both variable and fixed components. By doing this, you can not only make extra payments on the variable component, but also lock in a lower fixed rate. Extra payments can often be made on the fixed loan too, up to a limit specified by the lender.
Get a financial package
You can often lock in a discounted loan rate with a financial package and also find special rates on other products and services. Putting those savings into your mortgage is a great way to get the best of both worlds.
With just a few easy steps, borrowers can significantly reduce the length of their mortgage and save thousands of dollars in the process. A mortgage broker can assist you in setting everything up.
Douglas Piening is a Mortgage and Finance Broker with Piening Financial Solutions and is passionate about providing advice you can trust. Whether it's buying a home, refinancing a loan, investing, building or renovating, Doug brings a wealth of knowledge and expertise to assist with your lending needs.
You can contact Doug at firstname.lastname@example.com or (m) 0408 671 524.
Want to hear what clients have said about working with Doug? Take a look at these reviews from LinkedIn and Facebook.
This information is of a general nature only and does not constitute professional advice. You should always seek professional advice in relation to your particular circumstances.
Why can't I borrow as much as I want?
Douglas Piening 23/4/2018
Contrary to some in the media it is not Brokers who insist that consumers "max out" their borrowing. Many clients first question is "How much can I borrow?" and their preference is to extend themselves as close to their limit as possible.
Why is it so hard to work out what my Interest Rate is and what it should be?
Douglas Piening 23/3/2018
I get clients all the time asking me this question. The answers are varied and will depend on considerations such as:
NAB turns screws on borrowers amid growing concern about household debt blow-out
Interesting Article here in the AFR yesterday from Duncan Hughes about the changes in lending practices. Banks are under regulatory pressure to tighten lending standards which will have flow on effects to applications.
Finding a home loan when you're self-employed
There are many perks to working for yourself, but when it comes to applying for a home loan it seems being your own boss…
Tips for saving for a deposit
For first home buyers, saving a deposit can be tough, here are three winning tips to help set you on your way to Read More


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Zend® libraries are a set of PHP libraries that allow programmers to design more robust PHP applications. They also allow users to run off-the-shelf Zend-enabled applications on their websites.
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1 cup mini marshmallows
1 cup flour
3/4 cup light brown sugar
2/3 cup shredded, sweetened coconut
1/2 cup milk
1/2 cup semisweet chocolate chips
1/3 cup cocoa
1/4 cup rolled oats
1/4 cup butter, melted
1/4 teaspoon baking powder
Preheat oven to 350. Grease and flour one 8 inch square pan. In a large bowl, combine flour, brown sugar, oats, baking powder, milk and melted butter thoroughly. Pour onto bottom of prepared pan. Sprinkle with chocolate chips, then coconut. Top with marshmallows. Bake 15 minutes or until marshmallows are golden brown*. Let cool slightly, slice and serve.
*The bottom layer will be rather moist and crumbs will stick to a toothpick if one is inserted into the center of the pan. Do not worry, cookies are completely cooked. The absence of an egg means you can have a very moist, almost "raw" texture without risk of food poisoning.


text:
SAN FRANCISCO, Oct. 4, 2012 (GLOBE NEWSWIRE) -- Zynga Inc. (Nasdaq:ZNGA), the world's leading provider of social game services, today announced certain preliminary financial results for its third quarter ended September 30, 2012.
Zynga expects to report revenue in the range of $300 million to $305 million and bookings in the range of $250 million to $255 million for the third quarter ended September 30, 2012. Zynga expects to report a net loss of between $90 million and $105 million, non-GAAP net loss between $2 million and $5 million and adjusted EBITDA between $10 million and $15 million for the third quarter. In addition, Zynga expects to report diluted EPS between ($0.12) and ($0.14) and non-GAAP EPS between $0.00 and ($0.01) for the third quarter. Preliminary third quarter results primarily reflect weakness of certain games in our web "invest and express" category, and include an estimated impairment charge between $85 million and $95 million (excluding any income tax impact) related to the intangible assets previously acquired in connection with the company's purchase of OMGPOP.
Zynga is also lowering its outlook for full year 2012 to reflect preliminary third quarter results and revised expectations for the remainder of 2012. The change in outlook is primarily due to reduced expectations for certain web games including The Ville, and delays in launching several new games.
The company's updated outlook for full year 2012 includes:
"The third quarter of 2012 continued to be challenging and, while many of our games performed to plan, as a whole we did not execute to our satisfaction," said Mark Pincus, CEO and Founder, Zynga. "We're addressing these near-term challenges by implementing targeted cost reductions in the fourth quarter and rationalizing our product R&D pipeline to reflect our strategic priorities. At the same time, we are continuing to invest in our mobile business where we have one of the strongest positions in the industry. These actions support our strategy to transition from being a first party web game developer to a multiplatform game network. We remain optimistic about the opportunity for social gaming and the power of our player network of 311 million monthly active users. When we offer our players highly engaging content, they respond. FarmVille2 has been our most successful launch since CastleVille in terms of daily bookings, and we now offer 3 of the top 5 most popular mobile games in the U.S. in terms of time spent according to Nielsen."
Additional details regarding expense reductions and expectations for certain other 2012 financial outlook results, including stock-based expense and non-GAAP EPS, will be updated when the company reports full third quarter financial results on October 24, 2012.
Zynga will issue a press release with full financial results for the third quarter and additional details regarding its updated 2012 outlook on Wednesday, October 24, 2012. The company will also host a conference call at 2:00 pm Pacific Time (5:00 pm Eastern Time) on October 24, 2012 to discuss third quarter financial results and the company's strategy for the remainder of the year. A live webcast of the conference call and supplemental slides will be accessible from the Investor Relations page of our website at http://investor.zynga.com and a replay will be archived and accessible at the same website after the call.
A discussion of non-GAAP financial measures and reconciliations of third quarter non-GAAP financial measures to the most directly comparable GAAP measures are provided below in this press release. Non-GAAP financial measures are not intended to be considered in isolation or as a substitute for the financial information prepared in accordance with generally accepted accounting principles ("GAAP").
About Zynga Inc.
Zynga Inc. is the world's leading provider of social game services, which include Zynga Poker, Words With Friends, Scramble With Friends, Gems with Friends, Draw Something, FarmVille2, ChefVille, CityVille, Bubble Safari and Ruby Blast. For the quarter ended September, 30, 2012, Zynga had approximately 311 million monthly active users playing its games. Zynga's games are available on a number of global platforms, including Facebook, Zynga.com, Google+, Tencent, Apple iOS and Google Android. Zynga is headquartered in San Francisco, Calif.
The Zynga Inc. logo is available at http://www.globenewswire.com/newsroom/prs/?pkgid=11743
Forward-Looking Statements
This press release contains forward-looking statements relating to, among other things, our expectations for third quarter financial results, including revenue, bookings, net loss, non-GAAP net income and adjusted EBITDA, diluted EPS and non-GAAP EPS; our outlook for full year 2012 bookings and adjusted EBITDA; our actions to address near-term challenges, including potential expense reductions; our strategy to transition from being a first party web game developer to a multiplatform game network; and our future operational plans, prospects and opportunities to expand our business. Forward-looking statements often include words such as "outlook," "projected, " "intends," "will," "anticipate," "believe," "expect," and statements in the future tense are generally forward-looking statements. The achievement or success of the matters covered by such forward-looking statements involves risks, uncertainties and assumptions.Our actual results could differ materially from those predicted or implied and reported results should not be considered as an indication of our future performance. Factors that could cause or contribute to such differences include, but are not limited to, our relationship with Facebook or changes in the Facebook platform or our agreements with Facebook, our ability to launch new games in a timely manner and monetize these games effectively, our ability to anticipate and address technical challenges that may arise, our ability to control and reduce expenses, competition, the changing interests of players, intellectual property disputes or other litigation, asset impairment charges including any income tax impact resulting from our impairment charge related to OMGPOP, our ability to retain key employees, acquisitions by us and changes in corporate strategy or management.
More information about factors that could affect our operating results is included under the captions "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in our Quarterly Report on Form 10-Q for the three months ended June 30, 2012, in our registration statement on Form S-1, as amended, filed with the Securities and Exchange Commission on March 23, 2012 and in our Annual Report on Form 10-K for the year ended December 31, 2011, copies of which may be obtained by visiting our Investor Relations web site at http://investor.zynga.com or the SEC's web site at www.sec.gov. Undue reliance should not be placed on the forward-looking statements in this release, which are based on information available to us on the date hereof. There is no guarantee that the circumstances described in our forward-looking statements will occur. We assume no obligation to update such statements. The financial information set forth in this press release reflects our current preliminary estimates, is subject to the completion of our third quarter review process, and is subject to change. Our full third quarter and full year 2012 results could differ materially from the preliminary estimates and outlook we have provided in this press release.
Non-GAAP Financial Measures:
We have provided in this release non-GAAP financial information, including bookings, adjusted EBITDA, non-GAAP net income and non-GAAP EPS. Management uses these non-GAAP financial measures internally in analyzing our financial results to assess operational performance and liquidity. The presentation of this financial information is not intended to be considered in isolation or as a substitute for the financial information prepared in accordance with GAAP. We believe that both management and investors benefit from referring to these non-GAAP financial measures in assessing our performance and when planning, forecasting and analyzing future periods. We believe these non-GAAP financial measures are useful to investors because they allow for greater transparency with respect to key financial metrics we use in making operating decisions and because our investors and analysts use them to help assess the health of our business. We have provided reconciliations between our preliminary estimated Q3 2012 non-GAAP financial measures to the most directly comparable GAAP measures. However, we have not provided a reconciliation of our bookings outlook to revenue for the full year 2012 or adjusted EBITDA outlook to net income (loss) for the full year 2012 because certain reconciling items necessary to accurately project revenue and net income (loss) (including projected mix of virtual goods sold in our games, the projected estimated average lives of durable virtual goods for our games and the effective tax rate) cannot be reasonably projected due to a number of factors, including variability from in a given period caused by changes in player behavior and other factors. As revenue and/or net income (loss) for future periods is a necessary input to determine all of these comparable GAAP figures, we are not able to provide these reconciliations.
Some limitations of bookings and adjusted EBITDA are:
Because of these limitations, you should consider bookings and adjusted EBITDA along with other financial performance measures, including revenue and our financial results presented in accordance with GAAP. See the GAAP to non-GAAP reconciliation below for further details.
|(In thousands, except per share data, unaudited)
|Three months ended September 30, 2012
|Reconciliation of Estimated Revenue to Estimated Bookings
|Estimated revenue range
|$ 300,000 – 305,000
|Estimated change in deferred revenue
|Estimated Bookings Range
|$ 250,000 – 255,000
|Reconciliation of Estimated Net Loss to Estimated Adjusted EBITDA
|Estimated net loss range
|$ (105,000) – (90,000)
|Estimated impairment of intangible assets range
|95,000 – 85,000
|Estimated benefit from income taxes
|Estimated other expense, net
|Estimated interest income
|Estimated legal settlements
|Estimated depreciation and amortization
|Estimated stock-based expense
|Estimated change in deferred revenue
|Estimated Adjusted EBITDA Range
|$ 10,000 – 15,000
|Reconciliation of Estimated Net Loss to Estimated Non-GAAP Net Loss
|Estimated net loss range
|$ (105,000) – (90,000)
|Estimated impairment of intangible assets range
|95,000 – 85,000
|Estimated stock-based expense
|Estimated amortization of intangible assets from acquisitions
|Estimated change in deferred revenue
|Estimated legal settlements
|Estimated tax effect of Non-GAAP adjustments to net loss range
|3,000 – 1,000
|Estimated Non-GAAP Net Loss Range
|$ (5,000) – (2,000)
|Estimated GAAP and Non-GAAP Diluted Shares
|750,000 – 760,000
|Estimated Net Loss Per Share Range
|$ (0.14) – (0.12)
|Estimated Non-GAAP Net Loss Per Share Range
|$ (0.01) – 0.00
Investors - Krista Bessinger 415-339-5266 email@example.com Press - Stephanie Hess 415-503-0303 firstname.lastname@example.com
Zynga Inc.
San Francisco, California, UNITED STATES
Investors - Krista Bessinger 415-339-5266 email@example.com Press - Stephanie Hess 415-503-0303 firstname.lastname@example.com
Zynga Inc. LogoLOGO URL | Copy the link below
Formats available:


text:
Fast Quotes & Great Service
Visit an ABC Insurance Agency location in 70043 for fast, money-saving insurance quotes and great, personalized service. You'll find that at ABC Insurance, we're different. We give you multiple insurance quotes to compare all in one place, and then help you choose great coverage from competitive insurance companies in your state. No need to spend hours clicking between websites, filling out multiple quotes, and trying to figure out who has the best rate. Whether you're looking to insure your car, home, apartment, boat, mobile home, or something else entirely, we can help you find the policy, coverage, and rate that's right for you.
Insurance for All Your Needs
We specialize in helping you get auto insurance that matches what you need, even when it includes dealing with an SR22 or meeting minimum liability limits. But we also know that you care about protecting the things and people you love, which is why we offer more than auto insurance. Our licensed, experienced insurance agents can help you get a policy to protect almost anything in your life. ATV? Check. Travel trailer? Check! Choose ABC Insurance for renters insurance, homeowners insurance, mobile home insurance, boat insurance, life insurance, business insurance, health insurance, and much, much more! Some ABC Insurance locations even provide notary services, auto title transfers, and driver's license renewals. How convenient!
Better Rates Start at ABC
ABC Insurance is practically your one-stop insurance shop! Come by and let us show you how we're a better choice for insurance in 70043. Even if you've been turned away or dropped from another insurance company, we encourage you to get an insurance quote through us. Remember, we're different in so many ways at ABC! We're a member of your community and a proud partner of the New Orleans Baby Cakes and the New Orleans Saints. Visit an ABC Insurance location near you in Texas or Louisiana, or call 800-708-0123 to get a great rate and great service to match. We shop, you save — it's that simple!


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Forum: Galaxy Tab 2 Help
Need help or support for your Galaxy Tab 2? This is the place to ask.
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Forum: Galaxy Tab 2 Help
galaxy tab 2 10.1 wont stay connected to wifi,
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As business people, we've had it drilled into us that we need to strive to be the best. Our firm must outshine all others. Even if we do the same things as other businesses in our space, we must differentiate ourselves by our sheer operational superiority.
Pervasive as this philosophy is, it's totally flawed. As financial professionals my advice is this: be unique in what your advisory business does, not the best. In other words, serve chief executives, families, physicians or celebrities and carve out a unique niche instead of building your reputation on access to the best products or performance.
To support my thesis, let me quote competitive strategist Michael Porter of the Harvard Business School:
"For your business to thrive, you shouldn't compete to be the best.
Rather, you should compete to be unique."
Porter cites the case of the furniture company, IKEA, which he says he dislikes intensely. However, Porter has a daughter who as a student in Washington, DC loved IKEA. Whenever Porter visited her, she asked him to rent an SUV so they could shop at IKEA and furnish her apartment.
Porter's point: IKEA didn't care that he hated shopping at its stores; he wasn't their target audience. Rather, IKEAs philosophy was to create a unique selling proposition that was intensely attractive to his daughter and throngs of people like her. Quite simply, IKEA excelled at being unique.
The Problems With Being a Generalist
According to the RIA Benchmarking Study from Charles Schwab, 61% of advisors do not segment their client base. Instead, they are generalists who live by a "one-to-many" philosophy.
Here's the problem with that generalist approach:
- You're missing the opportunity to develop specialized expertise and operational efficiencies that come from serving a particular niche.
- You can't charge a premium price for "typical" services, or build a reputation that's as strong as you'd like it to be.
- You can't generate a high volume of referrals.
What to do? Narrowly define who you work with, and achieve a competitive advantage within that group.
Business Case: A New York-based Wealth Management Firm
The Situation: A client was looking for an advisory firm that could create a different client/advisor experience for his children and his spouse, with the primary goal being to prepare the children for their inheritance. The client also wanted two-way communications between his family and the advisory firm, and envisioned the firm as a resource after he and his wife were gone.
Solution: He found a wealth management firm that stepped up to the task, and in the process, transformed itself. The firm used new "generation-appropriate" media and rules of engagement to communicate with the client and his family—tool bars, texting, e-mail, and, of course, the telephone. The firm's lead advisor educated the children on the stock market starting at age 16, arranged for IRA contributions starting at age 18, and budgeted with them for key goals. This was done while at the same time establishing a service framework for the firm that was scalable, and not simply a concierge service offering.
Result: The client served as the profile for the firm's new target customer. In the ensuing years, the firm added more clients who sought an advisor who specialized in being an integral part of the family unit. Since the pilot with the initial client in 2002-2004, the firm has added 36 new clients (30 or whom were referrals) and $800 million in assets—with zero clients leaving.
The firm is serving a niche clientele, charging fees that are based on value of services as opposed to AUM, and uniquely differentiating itself from the bulk of the advisory firms out there.
It's a perfect case of Porter's dictum in action.
How to Drive Focus in Your Firm
As the CEO, managing partner or principal, it's your responsibility to drive organizational change. This will involve the following steps:
- Create a vision and clearly communicate the firm's strategy
- Identify one profile from your existing client base that you want to replicate
- Understand that client profile's needs and the value of meeting their needs
- Pilot with a small number of clients that meet the profile
In my own case, ByAllAccounts is the leading data aggregation firm, but we don't try to be all things to all people. We don't serve pure financial planners who don't offer investment advice or wealth management. We don't directly serve investors directly. Rather, we serve advisors/wealth managers, asset managers and trust companies with a proven service offering that is being used by more than 1,000 firms. That's not simply a proud parent bragging. It's smart business.


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Our NJ warehouse is back open so all orders will be sent same day as usual
We have a core crew working in isolated shifts to process orders from both of our warehouses
All phone lines and email channels are open as per usual
Can't find what you're looking for?Get in touch!
Unsure? Our returns policy is excellent!
We promise not to spam you!


text: Although we'd imagine breaking the land speed record among diesel-powered motorcycles was a matter of showing up, an oil-burning BMW was recently crowned with that honor nonetheless. This past week, A custom-built R 1150 RT, powered by a two-liter diesel mill from the company's European 3-Series, set the record at the BUB International Motorcycle Speed Trials at Bonneville Salt Flats, hitting 130.614 miles per hour on biodiesel. The bike, dubbed "Die Moto," was designed and built by Oakland-based industrial arts collective The Crucible. Stormy weather and a faulty engine-management computer reportedly stymied the bike, which the group says will be able to hit 160 next time out. [Motorcycle.com]


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Thermoplastic elastomers
SKF has a long history in developing and supplying special polyurethane grades for sealing purposes. SKF manufactures the well-known ECOPUR family of polyurethanes including H-ECOPUR for outstanding chemical and hydrolysis resistance, X-ECOPUR for extrusion resistance or S-ECOPUR for low friction and resistance to wear.
Polyurethanes combine the elastic properties of elastomers with the processability of thermoplastic materials. Seals made of polyurethanes provide excellent wear and pressure resistance and avoid leakage. Due to their elasticity and flexibility, they are easy to install. Special sealing polyurethane grades have a superior compression set and relaxation performance as well as temperature stability compared to commodity industrial grades.
Table 1 lists common thermoplastic elastomers.


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I don't know who likes pokey pinning more, me or my students. (Please click here if you are unsure what Pokey Pinning is to get more details). My students enjoy it because it is so relaxing and produces magical results. I love it because it is silent MOST of the time the class is working on pinning. I say most because my students who have weak hand muscles will let out an occasional groan or a quick, "My hand hurts!"
Last time we were Pokey Pinning, one of my young ones (with weak hand muscles) said he couldn't finish it because his hand hurt so badly. I told him to keep going and, before I knew it, he was bringing me his completed project (and I hadn't heard anymore complaining). I asked him, "How did you do that so quickly?" He showed me a clothes pin which only confused me more.
|Here is the invention in use!
Be sure to follow Mrs. Miner's Kindergarten Monkey Business or LIKE it on Facebook (both available in left sidebar) so you never miss another FREEBIE or informative article.


text: The scleral pigment, best seen temporal, is found in all affected individual in this bilateral disease. The dark iris is not visible due to the dilated pupil. Pigment can be seen on the anterior lens capsule (black arrows). The pigment and scar on the axial cornea is due to exposure keratitis secondary to buphthalmia. Intraocular pressure at this time was 22mmHg.


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Hey this is USDA Loan Info again! In this blog post and like most of our blog we're comparing conventional loans to FHA loans to VA loans to USDA Loans in Chambersburg and finding out exactly which one's the best one?
Which Loan Are We Talking about and is the USDA Loan in Chambersburg right for you?
You know so many consumers are curious. Which type of Mortgage Lender in Chambersburg provider loan is best for me?
Today I want to help you figure out which one is going to benefit you and your family the most, for you a short-term and/or long-term goals because it's different for everybody.
Now there are advantages to each one of these USDA loans in Chambersburg so some have lower interest rates, some have lower fees there's all kinds of different things to think about!
Now most people have a tendency to just look at one thing. The payment! And if you're going to be going for pre-qualification on USDA Loans in Pennsylvania and surrounding areas, we have to set the score straight.
Which is cheaper?
Well, it's understandable when you're buying a house you say, hey which which payment is cheaper?
But, again how long you gonna be in that house?
Is there PMI? Will the PMI disappear?
When will it disappear?
If the PMI is gonna disappear in five years butI'm gonna be here in 20 years, maybe this other loan is better a long term! So we have to look at these things as a whole. So now you can see why USDA Loans are appealing.
Now people ask you all the time what's today's interest rate?
It's impossible to answer that question, because your finances and every person's finances are as different as fingerprints!
When we look at the whole situation you have to understand that all these items, represent different risks to the lender and the higher the risk the higher the interest rate!
The lower the risk for example if you put a lot more money down, obviously a lower risk right?
Or if you have a higher FICO score lower risk, right?
Well we have to look at these things as a whole to help you determine what interest rate you're gonna get and that also helps determine which program is right for you!
Okay now it's time we're gonna get into the nitty-gritty we're gonna get into the comparison. Number one – conventional loan. A conventional loan has a minimum of a 620 FICO Score Credit score if you're not sure what a FICO score is that is your mortgage credit score.
Now on an FHA loan vs USDA some lenders go as low as a 500 my company goes down to a 550 the truth is nobody gets approved at 500 anyway and on a VA loan we're also looking at the same thing many lenders go to 500 company goes to 550.
PMI and Mortgage Insurance is Called MIP
Okay PMI mortgage insurance and on FHA in Chambersburg it's called MIP mortgage insurance premium now on a conventional loan,
What happens is it is very very dependent on what is your credit score somebody with a very high credit score might have a very low mortgage insurance payment, but if you have a 620 FICO score your mortgage insurance payment could be way high.
At least according to USDA Loan Credit Eligibility Guidelines.
Now on FHA: FHA has pretty much standardized, here is your MIP rate remember they're the same thing they just call them something else here's your MIP rate it doesn't matter if you have a 620 a 580 a 550 or 800 FICO score makes no difference you're gonna pay the same rate.
On a VA loan great news no PMI no MIP you got that one. Okay we're almost halfway through the post so hit the subscribe button and hit the like button I appreciate that now if you'd like to comment, I will answer every single question personally and of course you're welcome to share this with anybody you think it's valuable for!
Mortgage USDA Loans and Debt Ratio
A debt ratio is the percentage of your gross. Gross income is before they take taxes out.
A percentage of your gross income to your debt. Now on a conventional loan with a high FICO score they're gonna allow you or a 50% that includes your car payment, your credit cards, student loans, alimony, child support.
All those kind of things plus the new house payment, that should be no more than 50% now if you have a lowerFICO score, it's probably gonna be 45% that's how conventional works.
Now let's take a look at FHA with a 580 FICO score or above, here's what's basically going to happen. You're gonna probably be approved to a 56. 99%let's call it 57%, again that includes all your debts plus the house payment as a payment.
Lastly we have a VA loan. Now a VA loan works very very different it looks at how much money is left over after paying all this stuff.
How to Qualify fo USDA and Home Loans | Requirements 2019
And it's called residual income and everybody depending on what area of the country you live in and how many people in your family there's a certain formula for it.
Now if you have 20% more than that just to give you an example if it was a thousand dollars but you have 20% more $1200 and a high FICO score you may even go up to 60 or 65% debt ratio which is unbelievable and its highest in the whole industry.
Interest rate on a conventional loan you're often going to hear Fannie Mae, Freddie Mac those are conventional loans. On a conventional loan you are gonna have a higher interest rate than either FHA or VA.
On an FHA loan it's lower than conventional and right about the same as VA they have virtually the same interest rates.
USDA Mortgage Loan Pros & Cons in PA
Down payment on a conventional loan you're usually looking at a 3% down payment. People ask me about a conventional loan Fannie Mae Freddie Mac yes those are conventional loans.
Now if we look at anFHA loan an FHA loan is gonna require a three and a half percent down payment as long as your FICO score is 580 or above. If it's 579 or below it requires a 10%down payment and of course for our veterans who honorably served, we thank you!
You get a zero percent down payment loan. Okay so we talked about PMI, MIP mortgage insurance whatever you want to call it. But there's also something called upfront mortgage insurance.
Now on a conventional loan there is no up front mortgage insurance, but those of you with a high FICO score might want to pay some, and they eliminate the monthly PMI payments forever.
So that's a big deal and that's only available on a conventional loan and it doesn't make sense unless you have a really good FICO score. On an FHA loan we take the loan amount and multiply it by 1. 75 percent we have to add that to the loan amount.The USDA loan, also known as the USDA Rural Housing Loan Program is a 30 year fixed rate mortgage that is created for low to moderate income home buyers. The house must be located in an USDA eligible area of Pennsylvania. The USDA mortgage loan does not require a down payment (100% financing plus the guarantee fee). The USDA home loan is a zero down mortgage program. Home buyers must meet the income limits for PA (see below). You can estimate the USDA loan amount and mortgage payment with the USDA calculator. The loan is "insured" by the United States Department of Agriculture. USDA Income Limits for Pennsylvania The income limits vary by the Pennsylvania and the metropolitan statistical area (MSA) and household size: The 2018 - 2019 Pennsylvania base USDA income limits are: 1-4 member household: $82,700 5-8 member household: $109,150 There are county exceptions for higher incomes. See USDA income limits Annual income includes all eligible (gross) income from all adult household members, not just parties to the mortgage. The household income may be adjusted downward due to: Care of Household Members with Disabilities Child Care Expenses Dependents Elderly Household Medical Expenses The USDA provides extensive information on income determination in Chapter 9 of the SFH Guaranteed Loan Program Technical Handbook USDA Loans and Credit Score and Credit History For manually underwritten loans, the USDA requires a 640 "middle" credit score, although, there are exceptions: Credit score less than 640 According to the USDA underwriting guidelines, underwriters (that's the approval person), must perform a cautious level of underwriting. A detailed review of all aspects of the applicant's credit history should be examined to establish the applicant's willingness to repay and ability to manage obligations as agreed. Unless there are extenuating circumstances documented in accordance with this Chapter 10, a credit score in this range is generally viewed as a strong indication that the applicant does not have an acceptable credit reputation. Little or no credit history: The lack of credit history on the credit report may be mitigated if the applicant can document a willingness to pay recurring debts through other acceptable means such as third party verifications or canceled checks. Due to impartiality issues, third party verifications from relatives of household members are not permissible. Lenders can develop a Non-Traditional Credit Report for applicants who do not have a credit score in accordance with Paragraph 10.6 of this Chapter Indicators of unacceptable credit The following indicators require documentation meeting the criteria of Section 10.8 to approve an applicant's loan request for manually underwritten loans: • Foreclosure within 3 years: Including pre-foreclosure activity, such as a pre-foreclosure sale or short sale in the previous 3 years (refer to Attachment 10-B for additional guidance); • Bankruptcy within 3 years: • Chapter 7 bankruptcy discharged in the previous 3 years; • An elapsed period of less than 3 years, but not less than 12 months, may be acceptable if the applicant meets the criteria of Section 10.8 of this Chapter. • Chapter 13 bankruptcy that has yet to complete repayment (repayment plan in progress) or has completed payment in the most recent 12 months. • Plans that are completed for 12 months or greater do not require a credit exception in accordance with Section 10.8; • Late mortgage payments if any mortgage trade line during the most recent 12 months shows 1 or more late payments of greater than 30 days. • Late rent payments paid 30 or more days late within the last 12 months. Read more about USDA credit requirements in Chapter 10 including bankruptcy, foreclosure and short sale acceptance USDA Qualifying Areas The home must be located in a USDA defined area. The USDA provides a lookup tool to determine whether the house is located in a USDA designated location. USDA area eligibility lookup The property must be predominately residential in character, use, and design. The home may be attached, detached or semi-detached and must meet the current minimum USDA property guidelines. Site Size There is no specified limitation to the acreage/size of the lot. A home with excessive acreage that represents a cost greater than a similar home with less acreage may not be acceptable. The appraiser must provide an addendum to the appraisal with an explanation to adjustments to comparable properties. Income Producing Buildings The property must not include buildings principally used for income-producing purposes. Barns, silos, commercial greenhouses, or livestock facilities used primarily for the production of agricultural, farming or commercial enterprise are ineligible. However, barns, silos, livestock facilities or greenhouses no longer in use for a commercial operation, which will be used for storage do not render the property ineligible. Outbuildings such as storage sheds and non-commercial workshops are permitted if they are not used primarily for an income producing agricultural, farming or commercial enterprise. A minimal income-producing activity, such as maintaining a garden that generates a small amount of additional income, does not violate this requirement. Home-based operations such as childcare, product sales, or craft production that do not require specific commercial real estate features are not restricted. Additional property eligibility can be found in Chapter 12 Property And Appraisal Requirements Chapter 12 also addresses potable and waste water systems, street access and road maintenance. PHFA and USDA The USDA loan program is accepted by the Pennsylvania Housing Finance Agency (PHFA) under the Keystone Government Loan Program. The benefit of the Keystone government loan is a lower interest rate and access to the Keystone Assistance Program (subject to PHFA guidelines). The maximum assistance loan is 4% of the sales price up to $6,000. There are no first time home buyer requirements with either the Keystone Government program or the Keystone Assistance program.
Simple example – if you have a hundred thousand dollar loan 1. 75 percent is $1,750, we're gonna add that, so you'd actually be borrowing $101,750 upfront mortgage insurance.
Now though lastly if you're a veteran who happens to be disabled 10 percent or more there is no up front mortgage fee that there is no VA funding fee it doesn't exist for you.
Okay seasoning from bankruptcy many Americans through the last few years they've had a hard time and they did file a bankruptcy on a conventional loan 4 years must have elapsed from the discharge not from when you started but from when it was finished before you're allowed to apply for a conventional loan.
On an FHA loan it's only two years and on a VA loan it's only two years. Short sale seasoning.
Well a lot of people ask what's a short sale?
Well at a time when people owed more than the house was worth, they often went to the bank and said, hey my house is worth three hundred I owe four hundred and the bank accepted three hundred thousand dollars.
That was called a short sale.
Well if you have a conventional loan if you want to apply for a conventional loan it would be four years after a short sale.
For an FHA loan it's three years must have elapsed from the time of the short sale and for a VA loan it's only two years.
Again Vets win, they earned.
A foreclosure well yes some people went into really hard times on a conventional loan we are looking at seven years before you can buy a home againOn an FHA loan it's only three years and For the vets – two years from a foreclosure okay Time back to work after an extended absence.
Well on a conventional loan there is actually no real time frame but the lender will take a look they just want to make sure it's reasonable and everything is considered as a make sense situation you can be back to work for one month after or six months or a year off.
On an FHA loan FHA guidelines require six months back to work with pay stubs proof they've been back to work for six months before they'll accept that income.
On a VA loan it varies per lender some lenders will accept right back to work some might want six months or three months a lot of them will require just get past the probationary period on the job and you're good to go.
Occupancy on a conventional loan you can buy for a rental, you can buy for a second home if maybe you want to live in the mountains or down by the beach on the weekends or obviously for an owner-occupied property.
For a FHA and VA loan it is owner occupied.
Only. Hopefully this blog post will help you need a decision making process which loan is right for you! We have a post on USDA Loans in Pennsylvania coming up next – stop by and see if you can't Pre-Qualify!
Confused about USDA Loans in Chambersburg? USDA Loan Info & Friends Has the Answer:Hey, I'm Carl with Home. Loans. What is a conventional home loan? A conventional home loan isa loan that is not insured or guaranteed by theGovernment in any way. Conventional loans conform tothe National Home Guidelines set by Fannie Mae and Freddie Mac, who are also known fortheir delicious sweets. Wait, scratch the sweets part. I think I'm thinking of somebody else, but I can tell you thatconventional loans typically have stricter eligibility requirements and are nothing liketaking candy from a baby. Who would just take candy from a baby? Who has time to stop and smell the roses? You don't and this isn't even a rose. For more quick tips likethe one you just watched, visit Home. Loans. No. Com or. Net and youdon't even need the W's. It's simply Home. Loans. Search smarter, learn faster. Visit Home. Loans.
What is a Conventional Loan?Hi this is Scott Hastings with Mortgages byScott, powered by On Q Financial. You might wonder why I'm standing in the middleof a field and that's a good question. The reason is I'm talking about USDA loanstoday. Although this looks like a very rural areaI'm only really about a mile and a half from downtown Davidson. A lot of people wouldn't think that Davidsonwould have any areas that are USDA eligible but there really are. A lot of people give me a all looking fora loan where they don't have to put any money down and there's no mortgage insurance, andthat is a USDA loan. USDA loans are great, the only thing is thatthey are not eligible for all borrowers because of income requirements or caps on householdincome, and they are not available on all properties. The income requirement is going to be basedon the number of people that live in the house, not just the number of people on the loan. Most loans are going to go by who is on theloan, so in this case if you have 3 people who live in the house, but only 1 person isgoing to be on the mortgage, the income is only going to be considered, as far as qualifyingfor the loan itself, by the person who's on the loan. But USDA is going to count the number of peoplewho live in the household. So if a husband and wife both work, but onlythe husband is on the loan, and if their income together is less than the maximum householdincome limit for that USDA area then they are good to go. But if together their income exceeds the maximumincome limit for that area then unfortunately they wouldn't qualify. Also not every home is going to be eligiblefor a USDA loan. And there's not really a map where you canjust look at it and say "Oh that whole area is USDA eligible". You have to go to the USDA website and youcan put in the address of the property and it will tell you whether it's a USDA eligibleproperty. You can also go in there and type in the amountof monthly income the borrower has and see if that household income exceeds the maximumincome requirement. There are some tips and tricks on gettingqualified for a USDA loan where you might not think that you would normally be eligible. One is a mortgage credit certificate and certainthings like that so if you have any questions at all about a USDA loan please give me acall.
USDA Loan Info
Philadelphia, PA
(888) 464-8732


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Social calendar: Fun ways to help worthy Denver causes
As summer dissolves into fall, the charitable fundraising scene in Denver shifts into high gear. Here are several fun choices for the days ahead:
* Wally Brodtman, Gourmet Fine Catering's warehouse manager of 15 years, is undergoing cancer treatment, and to help defray his expenses, his colleagues are hosting a fundraiser at Parkside Mansion, 1859 York St.
"As you may already be thinking, this is no ordinary bake sale," the invitation reads. The 6 p.m. event, tickets for which are $20 at the door, will have bar food by Chef Emerson of Gourmet Fine Catering and Chef Eli from Highland Tap & Burger; pizza from The Walnut Room; margaritas from Coyote Gold, wine from Argonaut Liquors; beer from several vendors; music; and a raffle.