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If you want to survive in the game of sports betting, Soccer Picks For Today in Sandton then you have to use effective money management. I recommend that you follow these guidelines at all times.
- Only invest what you can realistically afford to lose. Soccer Score Predictions Today you have to remember that you really do not need to start with al a lot of money. I got started with only $100 dollars and I followed the system and my money has doubled over and over again over the course of years.
- Do not make your initial bet too high. Only invest 5% of your total bankroll for a flat betting system (in which you bet the same amount each time) and no more than 2% for a progressive system. You need to be patient here and allow your systems to do their slow and steady work.
- Increase your initial bets when your bankroll has increased by 25%. This will increase your earning power, Soccer Picks For Today just remember to stick to the suggested percentages in #2.
- Remember to Diversify your portfolio. If you have a total bankroll of $1000 and 4 systems that you would like to use, then each system should be allotted $250 and you have to keep those amounts separate.
You have to be disciplined in your use of your systems and in your money management strategy. It can be difficult especially you are doing exceptionally well or if you are losing badly. You may be tempted to deviate from the systems or the money management guidelines in either of those situations. But do not, Today Football Prediction just remain diligent and the rewards are sure to follow.
Soccer Picks For Today in Sandton?
Betting on horse racing does not mean that you have to be present right there on the racetrack. Today, you can place your bet online and in the comfort of your home.
This is the power of technology. Nowadays, everything can be found online. All people need to have is a computer and an online connection and they will be able to see the race action live on their small screen.
Even if it is not as good as the live one or as big as the ones you will see on television, it is very convenient for those who are on the move and do not have the right facilities for it. Just think. You will never again miss the action. You will have a minute-by-minute account on the race that is going on. Besides that, you will know first-hand if the horse you are betting on will win or not.
How does betting horse racing online works?
There are some sites that just need you to register into them and put in your deposit. Once the result is out, your losses or winnings will be debited or credited into your account.
Not all websites are like this though. There are those that require its would-be members to pay an initial fee. Some even require monthly charges depending on the frequency of your visit and stay.
Even if the betting horse racing is done online, the rules and regulations are still the same. The types of bets and race conditions are also the same as the ones you will see and get live.
Since the process is done through computers, you can expect a short delay on the tally of your bets based on the overall betting system. For those who cannot wait for the update, they are given a choice of the statistics to be sent directly to their cell phones.
But with the advantages that people get from betting horse racing online comes its disadvantages. They may be minors but it is still worth the glance.
1. Unsatisfying experience.
Some people find that nothing can compare to the feeling that they get when they are on the racetrack and is part of the action. You cannot really get that same feeling when you are just there watching it on screen.
Most of those who bet on this sport are after the excitement of seeing the race from start to finish. They still want to shout and cheer with the rest of the crowd gathered there on the stadium.
2. Miniscule screen.
Being confined in the small screen of your computer, you will not get a view of what is happening in the whole event. You will just rely on where and what the camera is focusing on. This is a total turn off for those who want to see every corner and every move around the racetrack.
Those who are intent on having a better view of the horse race choose to have their own satellite TV in their home to get a bigger and better view of the live happening in the racetrack.
3. Computer system problems.
Slow computers and outdated hardware installed in your computers are one of the factors that will hinder your betting horse racing online experience. If you do not have the most advanced features, do not expect your viewing to be as great as it should be.
However, if you can do away with these minor problems and your only desire is to cut the suspense and see the result as it happens, then horse race betting online is always there at your convenience.
Betting on Horse Racing: From Traditional to Technological
There are punters who like the 'draw' market as it pays well. One common argument among these 'draw' punters is "Are draws independent of form, that is, are they random?". There are two views :* One view is that draws are independent of previous results, that each match is different. These punters do not accept the theory that a draw is due just because it has not happened for a long time. They believe that the match outcome depends on circumstances and conditions of that particular game, for example : attacking and defending capabilities of both teams, weather on that day, pitch condition, etc.* There are opposing punters who feel strongly that the probability of draws depends on the previous games, that it boils down to the psychology and mentality of the players of the 'drawish' teams.Irrespective of whatever camp these draw specialists are in, all of them agree that draw bets are more worthwhile compared to betting Home or Away as the average odds are more attractive.In picking winning 'draws', the following factors are to be considered :1) It is essential to choose the teams instead of choosing the matches, that draw is largely due to the style of play, such as :* Defensive style and struggling to attack will tend to draw more. * Attacking formation and tactics will not draw too often.2) If a certain team draws a few matches, analyse why :* Does the team have problems scoring? If yes, why. (Is the key striker injured?)* Is the team renowned for tight defence?* Is it psychological? Maybe a team on a long losing run may try harder just to get at least a point, that is, a draw.3) The following trends in matches ending with a draw are common :* Matches where both teams are happy with a point, for example, a draw is sufficient for both to avoid relegation or to qualify for a cup competition.* Matches played in poor weather conditions like heavy rain which usually lead to less goals and higher chance for a draw.* Derby matches where a draw may satisfy both parties.* Home team in great form against Away team in strong top table position.4) Teams which draw a lot with each other repeatedly could mean :* They are equal in strength.* There is some kind of psychological impact that it is tough for one of them to break the other down.5) Do take note of the following :* If a team has been drawing a lot, and if it has appointed a new manager, wait a few matches to determine if this team is still drawing frequently.* Be cautious with newly promoted and newly relegated teams where performance can be erratic.* Teams improving in form which may be more likely to draw playing Away.ConclusionSome leagues appear to have either a higher or lower percentage of draws compared to others. This could be due to the characteristics of the leagues in terms of competitiveness, or even prevalence of match fixing. This is why some bookmakers do not offer odds on certain minor European league matches at the end of the season.


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Bait. It's the laziest book ever written.
I pulled my hair and gnashed my teeth in the creation of the Rune series; I drove all around northern California to research and hike for the Zombies series. The Dammerung made me batty in its twisted time lines and the read-it-in-twenty-minutes Grayscale took every single book on the moon that the local library had on its (out-of-order) shelves.
I was planning to retire from the zombie genre once Heaven/Hell came out in December*, and while I was uncertain whether my next endeavor was going to be vampires or ghosts or dragons or exiled princely children, I was one hundred percent positive that the supernatural lowlifes that are zombies had run their course with me. I had nothing left to say. And then I went to bed one August night, and Bait came to me in a nightmare.
Zombies. As the dream-figure jumped off the roof of a mansion to escape them, I woke up with my heart pounding. I did not flee for my computer, as other dreams have sent me, but settled back into my pillow wanting desperately to forget it. I was done with zombies. DONE. Twelve books on the topic were more than sufficient. I fell back asleep and returned to the dream, and understood that I was simply going to keep having dreams of this world until I wrote it down. That has happened with other stories, and I didn't want this one dwelling in my mind any longer than necessary.
I had to research bits and pieces, but my subconscious had done the larger part of the work for me. It laid out the characters, place settings, and major plot points in those nightmares, and all of the information was firmly lodged in my mind when I woke up. I dutifully typed it into my laptop, and there it was: the thirteenth zombie book that I never intended to write.
I have entered it in the Kindle Scout program, and for those of you who are not tech savvy writers, be reassured that submission is a very easy process. It was especially easy for me because my Tech Witch did it. She is convinced that in my ham-fisted, cave-panda attempts to manipulate anything more complicated than a calculator will result in the accidental triggering of nuclear launch codes. While I find that a tad hyperbolic, I do not resist when she pulls the laptop away to handle things herself. The reply was swift: Bait was approved for launch on October 28th for a one-month term in which readers can view the first 5K of the novel and vote if they would like Amazon to publish it.
So head on over if you would like to partake in Macaulay C. Hunter's Bait, a post-apocalyptic tale of a man and a girl abducted from their home to feed zombies . . . or if you prefer dragons to zombies, try Jordan Reece's The Tracker instead. If Amazon picks up either of them, everyone who nominated the book will receive a free copy.
* The Earth/Sky Trilogy is a rather fluffy tale of a somewhat spoiled young woman who falls in love with a fallen angel and a zombie, and all three books (Earth/Sky, Above/Below, and Heaven/Hell) were written as a joke for fans of the Rune series. Don't read them**. My real post-apocalyptic zombie novels are: The Zombies series, Blood Games, Plantation, and Zombie Child. Read those instead.
** Or read them when you have nothing better to do, and leave comments on my blog about how stupid they are, and demand a refund for the IQ points and the hours of your life that you lost to the endless boyfriend problems of Jessa Bright.

subset: commoncrawl


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Mother arrested after child, 3, dies in Worcester crash
Christina Castro charged in Franklin Street crash
A Worcester woman is facing charges after her 3-year-old son died in a high-speed crash Monday night, police said.
Christina Castro, 27, was speeding down Franklin Street at about 10:30 p.m. when she lost control of the vehicle and slammed into a parked minivan, police said.
View a slideshow of the crash scene
When officers arrived, they found Castro standing outside her car with her 5-year-old son. Her 3 year-old-son, Jayden Figueroa, and 7-year-old son were trapped in her car.
Worcester Fire Rescue extricated the boys from the wrecked vehicle, and they were taken to a local hospital, where Jayden died. The other child was listed in critical condition.
The 5 year-old boy and Castro were slightly injured. Officials said the three boys were not restrained in the vehicle.
"All indications point to that they were not restrained in the vehicle. There were no seat belts used," Worcester Police Department Sgt. Kerry Hazelhurst said.
Castro was charged with motor vehicle homicide by negligent operation, speeding, leaving the scene of a property damage accident, unlicensed operation of a motor vehicle, two counts of a child restraint violation, three counts of reckless endangerment of a child and operating a motor vehicle so as to endanger.
"She was telling us that she was traveling at the speed limit. That, clearly, is not the case," Hazelhurst said.
Castro was arraigned at the Worcester County District Courthouse and held on $50,000.
"This is not the Christina we know," said Jayden's uncle, Nelson Torres. "She lives for her children. We just don't know what happened."
Torres described Jayden as a happy little boy who was always eating.
"He loved to eat," Torres said.


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Message Board
Bruce Balfour Message Board
Talk about the novels, new and used books that Balfour has written!
Author Balfour's Book Reviews
Prometheus Road
Ace, Nov 2004, 6.99, 320 pp. ISBN: 0441012213 The Gods decreed that no one is allowed to enter the Forbidden Zones or the Water of Bey, but Tom Eliot is not like any of the other inhabitants of the small farming community of Marinwood. He escapes into the Zones and the Water whenever he can as an individualist in a sea of conformity. He comes to the attention of the Gods who treat him and his family like a contagious infection that needs quaran...
The Digital Dead
Ace, August 2003, 6.99, 384 pp. ISBN 0441010849 The trip to Mars for scientist Tau Wolfsinger and his fiancee archeologist Kate McCloud was anything but restful. They met an alien race in the ruins of Mars and the Russian General Zhukau of the Red Star Base tried to take over the American colony and use the Gwrinydd technology to dominate Earth. The Gwrinydd Free Mental AI who calls himself Thoth almost killed Kate when he established a mental ...
The Forge of Mars
Ace, Sept 2002, 6.99, 416 pp. ISBN 0441009549 Tau Wolfsinger is a brilliant, cutting edge scientist who works on Artificial Intelligence for NASA. He is unhappy because he can't get funding because he's too independent a thinker and the powers that be believe that Tau's ideas that an A.I. can build a city is to dangerous to explore. His personal life is going down the tubes as well with his fiancee Kate heading to Mars for a long time. Evide...


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Harford County officials warned residents of hypothermia and other dangers in light of record-setting cold temperatures Monday and Tuesday, and there was more concern about the abnormally cold temperatures overnight Tuesday into Wednesday morning.
The county was hit by bitter cold that started Monday night, with temperatures plummeting into the low single digits and the wind chill making it feel as cold as 15 degrees below zero overnight.
Temperatures were reported as low as 1 degree or zero overnight Monday, and though it was sunny throughout the day Tuesday, high temperatures barely reached above 10 degrees in and around Bel Air.
The impending cold forced Harford County Public Schools to cancel all classes Tuesday.
School officials announced late Tuesday afternoon that classes will begin two hours late on Wednesday morning, with no morning Pre-K or preschool services.
In addition, Joppatowne High School and Fallston Middle School will be closed Wednesday, because of what the school system says are "mechanical failures in the building."
"Harford County is experiencing some of the harshest weather conditions we have seen in decades," Harford County Emergency Manager Rick Ayers said on Monday. "We urge everyone to take the opportunity to prepare themselves, their family and loved ones for several days of sub-freezing temperatures."
"Hypothermia is a major concern, particularly for our elderly, the very young and homeless population," Ayers said.
At 8 a.m. Tuesday, the Emergency Operations Center in Hickory, north of Bel Air, recorded a temperature of 1 degree, according to Bob Thomas, spokesman for the Harford County Department of Emergency Services.
Similar lows were being reported from one end of the county to the other and by midday Tuesday, it was rare to find an area where the temperature had risen above 9 degrees.
The county had not opened any shelters as of Tuesday afternoon, but the libraries were open to provide warmth.
"With the cooperation of Mary Hastler of Harford County Public Library, we are inviting the public, those in need, to visit [a] Harford County Public Library location as a 'warming center' during their normal business hours today," Thomas said. "At this time we have not opened any shelters in the county."
Emergency management personnel were closely monitoring weather conditions in case a large-scale power outage or other situation would require shelters to be open. No major outages had been reported by late Tuesday afternoon, however.
At about 10:30 a.m. Tuesday, BGE reported 20 customers without power in an Edgewood community, Thomas said.
The emergency management team sent three people to Edgewood to find the customers and check on their well-being, he added. The outage was in an eight-unit apartment the 1600 block Swallowcrest Drive and was first reported around 9 p.m. Monday, Thomas said. The property manager brought in a contractor to repair the problem.
Emergency management staff made contact with people in six of the eight units, advised them of the situation and offered assistance.
"None requested assistance, and at least two of the tenants indicated they would relocate to stay with family or friends," Thomas said. "There was no response at two of the apartments."
There was an emergency radio dispatch for an "environmental exposure" in the Joppa area around 4:10 p.m. on Tuesday, but no additional details were available.
There were no reports of major water or sewer line problems from the cold, other than a break in a groundwater line on the Edgewood Area of Aberdeen Proving Ground on Monday that the post command said was repaired and did not affect any post utilities.
At a Joppa/Joppatowne Community Council meeting Monday night, Sheriff's Office Capt. Jonathan Krass said Harford's homeless seemed to have been accounted for by the county.
"I think they have pretty much got everybody in, is what I am getting," Krass said, noting some people may not have wanted help or shelter.
Krass also urged residents to help anyone who is not wearing a coat or adequate winter clothing.
For the most part, people appeared to be hunkered down during the day Tuesday.
The county offered the following tips to residents through Wednesday, when the cold is expected to start lifting:
Staying warm
Keep the thermostat of the home at 65 degrees at a minimum. Consistently check to ensure the home is warm. Although heating costs may be rising, health and safety during extremely cold weather conditions should be a priority. Place weather-stripping around windows and doors to help prevent drafts. Keep doors to unused rooms closed and close curtains at night. Add an extra blanket to the bed as opposed to using electric blankets. Dress in layers of loose fitting clothing. If venturing outdoors, make sure the head is covered.
Drive only if it is absolutely necessary. When traveling drive during daylight hours and keep others informed of your schedule and planned destination. Have a safety kit in the vehicle. This would include a shovel, windshield scraper and small broom or brush, working flashlight, battery powered radio, water, snacks or food items, emergency road flares and blankets. Keep the gas tank full to help prevent gas line freezing. Keep extra hats, gloves as well as a sweater or coat in the car.
General safety
Keep cell phones fully charged if possible to help ensure they are ready in the event of an emergency. When going outdoors, cover exposed skin to help prevent frostbite. Look for signs of hypothermia and seek medical attention immediately if symptoms develop.
In the event of a power outage, avoid using generators in the home or garage. Generators produce carbon monoxide and should only be outside in well-ventilated areas to help prevent carbon monoxide poisoning to occupants of a home.
Avoid the use of portable grills, camp stoves or other propane, natural gas or charcoal burning devices inside a home, garage, basement or any partially enclosed area. Such equipment should only be used in accordance with manufacturer's instructions and away from doors, windows or vents which could allow carbon-monoxide to come indoors.
Remember to check on and help neighbors and those with special needs, including infants, senior citizens, those with chronic illnesses and people with disabilities. Don't forget the safety and well-being of pets. Do not keep pets outdoors during sub-freezing, harsh weather conditions. Pets should be brought indoors. If leaving the home for an extended period, place pets in an interior room that is heated, along with food and water to help ensure health and well-being.
Latest Harford County
For further information on winter and storm preparedness, visit the Harford County Department of Emergency Services website at http://www.harfordpublicsafety.org or the Federal Emergency Management Agency website at http://www.fema.gov or call 410-638-4900.


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Security Futures—Know Your Risks, or Risk Your Future
Security futures are among the potentially riskiest financial products available in the United States. Federal regulations permit trading in futures contracts on single stocks (also known as single stock futures or SSFs) and narrow-based security indices (see definition below). This article describes what security futures are, how they differ from stock options, some of the risks they can pose, and how they are regulated. You should also read the Security Futures Risk Disclosure Statement and August 2010 and April 2014 supplements before trading security futures.
Although discussed in greater detail below, security futures involve a high degree of risk and are not suitable for all investors. As with any investment, if you don't understand it, you shouldn't buy it. You could lose a substantial amount of money in a very short period of time. The amount you may lose is potentially unlimited and can exceed the amount you originally deposit with your broker. This is because trading security futures is highly leveraged, with a relatively small amount of money controlling assets having a much greater value. Investors who are uncomfortable with this level of risk should not trade security futures.
Existing Futures Contracts
Futures contracts have been around for some time. In addition to security futures, futures contracts exist for a variety of agricultural commodities and energy products, precious metals, foreign currencies, and financial instruments. In fact, futures contracts on broad-based stock indexes, such as the S&P 500, have been trading for several years.
Security Futures Basics
What's a security futures contract?
A security futures contract is a legally binding agreement between two parties to buy or sell a specific quantity of shares of an individual stock or a narrow-based security index at a specified price, on a specified date in the future (known as the settlement or expiration date). If you buy a futures contract, you are entering into a contract to buy the underlying security and are said to be "long" the contract. Conversely, if you sell a futures contract, you are entering into a contract to sell the underlying security and are considered "short" the contract.
Security Futures Contract Specifications
Contract size—Typically, one single stock futures contract will represent 100 shares of the underlying stock. A narrow-based index futures contract will represent the value of the index times a dollar amount set by the exchange.
Contract month—The month when the contract expires. There will be several different contract months available for trading at any one time, and the number of contract months may vary from exchange to exchange.
Last trading day—The last day during the contract month when the contract will trade. This is usually the third Friday in the month.
Manner of settlement—Security futures may be settled by physical delivery of the underlying security or cash settlement. Most security futures contracts require physical delivery.
Offsetting Transactions
Prior to expiration, you can realize your current gains or losses by executing an offsetting sale or purchase in the same contract (i.e., an equal and opposite transaction to the one that opened the position).
Example: Investor A is long one September ABC Corp. futures contract. To close out or offset the long position, Investor A would sell an identical September ABC Corp. contract.
Investor B is short one October XYZ Corp. futures contract. To close out or offset the short position, Investor B would buy an identical October XYZ Corp. contract.
Contract Expiration and Delivery
Any futures contract that hasn't been liquidated by an offsetting transaction before the contract's expiration date will be settled at that day's settlement price (see definition below). The terms of the contract specify whether a contract will be settled by physical delivery—receiving or giving up the actual shares of stock—or by cash settlement. Where physical delivery is required, a holder of a short position must deliver the underlying security. Conversely, a holder of a long position must take delivery of the underlying shares.
Where cash settlement is required, the underlying security is not delivered. Rather, any security futures contracts that are open are settled through a final cash payment based on the settlement price. Once this payment is made, neither party has any further obligations on the contract.
Margin & Leverage
When a brokerage firm lends you part of the funds needed to purchase a security, such as common stock, the term "margin" refers to the amount of cash, or down payment, the customer is required to deposit. By contrast, a security futures contract is an obligation not an asset and has no value as collateral for a loan. When you enter into a security futures contract, you are required to make a payment referred to as a "margin payment" or "performance bond" to cover potential losses.
For a relatively small amount of money (the margin requirement), a futures contract worth several times as much can be bought or sold. The smaller the margin requirement in relation to the underlying value of the futures contract, the greater the leverage. Because of this leverage, small changes in price can result in large gains and losses in a short period of time.
Example: Assuming a security futures contract is for 100 shares of stock, if a security futures contract is established at a contract price of $50, the contract has a nominal value of $5,000 (see definition below). The margin requirement may be as low as 20 percent, which would require a margin deposit of $1,000. Assume the contract price rises from $50 to $52 (a $200 increase in the nominal value). This represents a $200 profit to the buyer of the futures contract, and a 20 percent return on the $1,000 deposited as margin.
The reverse would be true if the contract price decreased from $50 to $48. This represents a $200 loss to the buyer, or 20 percent of the $1,000 deposited as margin. Thus, leverage can either benefit or harm an investor.
Note that a 4 percent decrease in the value of the contract resulted in a loss of 20 percent of the margin deposited. A 20 percent decrease in the contract price ($50 to $40) would mean a drop in the nominal value of the contract from $5,000 to $4,000, thereby wiping out 100 percent of the margin deposited on the security futures contract.
Minimum margin requirements for security futures are set by law at 20 percent of the contract's value, calculated daily, although exchanges can increase this level or adopt different margin requirements based on risk. In addition, brokers can and sometimes do establish margin requirements higher than these minimums.
Adverse price movements that reduce the reserve below a specified level will therefore result in a demand that you promptly deposit additional margin funds to the account. For example, the 4 percent decrease in the value of the contract that resulted in the loss of 20 percent of the margin deposit would reduce the margin deposit to $800. Therefore the account holder would need to deposit $160 in the margin account to raise the margin level back up to 20 percent of the current value of the contract ($4,800). Because of the always-present possibility of margin calls, security futures contracts are not appropriate if you cannot come up with the additional funds on short notice to meet margin calls on open futures positions. If you fail to meet a margin call, your firm may close out your security futures position to reduce your margin deficiency. If your position is liquidated at a loss, you will be liable for the loss. Thus, you can lose substantially more than your original margin deposit.
Gains & Losses
Unlike stocks, gains and losses in security futures accounts are posted to your account every day. Each day's gains are determined by the settlement price set by the exchange. If due to losses your account falls below maintenance margin requirements, you will be required to place additional funds in your account to cover those losses.
Tax Implications
The tax consequences of a security futures transaction may depend on the status of the taxpayer and the type of position (that is, long or short, covered or uncovered). For example, for most individual investors, security futures are not taxed as futures contracts. Short security futures contract positions are taxed at the short-term capital gains rate, regardless of how long the contract is held. Long security futures contracts may be taxed at either the long-term or short-term capital gains rate, depending on how long they are held. For dealers, however, security future contracts are taxed like other futures contracts at a blend of 60 percent long-term and 40 percent short-term capital gains rates. Depending on the type of trading strategy that is used, there can be additional or different tax consequences too.
Caution! Taxes are a complicated matter. Consult your tax adviser before trading security futures.
Where Do Security Futures Trade?
Currently, securities futures trade on OneChicago.
Variety of Security Futures Contracts
Contract specifications may vary from contract to contract. For instance, most security futures contracts require you to settle by making physical delivery of the underlying security, as opposed to making a cash settlement. Carefully review the settlement and delivery conditions before entering into a security futures contract.
Differences Between Security Futures and Stock Options
Although security futures share some characteristics in common with stock options, these products differ significantly. Most importantly, an option buyer may choose whether or not to exercise the option by the exercise date. Options purchasers who neither sell their options in the secondary market nor exercise them before they expire will lose the amount of the premium they paid for each option, but they cannot lose more than the amount of the premium. A security futures contract, on the other hand, is a binding agreement to buy or sell. Based upon movements in price of the underlying security, holders of a security futures contract can gain or lose many times their initial margin deposit.
Security Futures Risks
All security futures contracts involve risk, and there is no trading strategy that can eliminate it. Strategies using combinations of positions, such as spreads (see definition below), may be as risky as outright long or short futures positions. Trading in security futures requires knowledge of both the securities and the futures markets. Before you trade security futures, you should read the Security Futures Risk Disclosure Statement. And bear in mind the following specific risks involved when trading security futures contracts:
- Trading security futures contracts may result in potentially unlimited losses that are greater than the amount you deposited with your broker. As with any high-risk financial product, you should not risk any money that you cannot afford to lose, such as your retirement savings, medical and other emergency funds, funds set aside for education or home ownership or funds required to meet your living expenses.
- Be cautious of claims that you can make large profits from trading security futures. Although the high degree of leverage in futures can result in large and immediate gains, it can also result in large and immediate losses. As with any financial product, there is no such thing as a "sure winner."
- Because of the leverage involved and the nature of futures transactions, you may feel the effects of your losses immediately. Unlike holdings in traditional securities, gains and losses in security futures are credited or debited to your account on a daily basis at a minimum. Because of daily market moves, your broker may require you to have or make additional funds available. If your account is under the minimum margin requirements set by the exchange or the firm, your position may be liquidated at a loss, and you will be liable for any deficit in your account.
- Under some market conditions, it may be difficult or impossible to hedge or liquidate a position. If you cannot hedge or liquidate your position, any existing losses may continue to mount. Even if you can hedge or liquidate your position, you may be forced to do so at a price that involves a large loss. This can occur, for example:
- If trading is halted due to unusual trading activity in either the security futures contracts or the underlying security,
- If trading is halted due to recent news events involving the issuer of the underlying security,
- If computer systems failures occur on an exchange or at the firm carrying your position, or
- If the market is illiquid and therefore doesn't have enough trading interest to allow you to get a good price.
- If trading is halted due to unusual trading activity in either the security futures contracts or the underlying security,
- Under some market conditions, the prices of security futures may not maintain their customary or anticipated relationships to the prices of the underlying security or index. This can occur, for example, when the market for the security futures contract is illiquid and lacks trading interest, when the primary market for the underlying security is closed or when the reporting of transactions in the underlying security has been delayed. For index products, this could also occur when trading is delayed or halted in some or all of the securities that make up the index.
- You may experience losses due to computer systems failures. As with any financial transaction, you may experience losses if your orders cannot be executed normally due to systems failures on a regulated exchange or at the firm carrying your position. Your losses may be greater if your brokerage firm does not have adequate back-up systems or procedures.
- Placing contingent orders, if permitted, such as "stop-loss" or "stop-limit" orders, will not necessarily limit your losses to the intended amount. Market conditions may make it impossible to execute the order or to get the stop price.
- Day trading strategies involving security futures pose special risks. As with any financial product, seeking to profit from intra-day price movements poses a number of risks, including increased trading costs, greater exposure to leverage and heightened competition with professional traders.
Security Futures Regulation and Investor Protection
Who Regulates Security Futures?
The Commodity Futures Modernization Act (CFMA) governs the regulation of security futures. Under the CFMA, the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) will jointly regulate security futures. In addition, FINRA, the National Futures Association (NFA) and OneChicago have regulatory responsibilities and authority over their members. These organizations are subject to SEC and CFTC oversight.
Finding and Choosing a Broker
As an individual investor, you cannot trade directly on an exchange. Security futures transactions for individual investors must be handled by a broker. Most brokers are honest, competent professionals—and there are regulators, like FINRA, to help make sure that the few who are not are identified and disciplined—sometimes even barred from the industry.
Before you do business with any security futures professional or firm, you should check out their background. Both FINRA BrokerCheck and the NFA's Background Affiliation Status Information Center (BASIC) offer online access to important information about your broker or firm. These sites can provide a wealth of information about the professional background, business practices and conduct of firms and brokers. Your state securities regulator also may have additional information about securities professionals.
But there is more to finding a broker than knowing which ones might not be trustworthy. The key is finding the broker and firm that make you feel comfortable and best meet your personal financial needs.
Security Futures Account Protection
Security futures positions may be held in either a securities or futures account. The protections for your funds and security futures positions differ depending on whether the account is a securities account or a futures account. Your brokerage firm must tell you whether your security futures positions will be held in a securities account or a futures account. You also may have a choice about which type of account to hold your funds and positions. You should thoroughly understand the regulatory protections available to your funds and positions if your firm fails. The regulatory protections for your funds in a brokerage firm's failure will vary depending, for example, on whether you are trading through a securities account or a futures account.
Protections for Securities Accounts—If you hold security futures contracts in a securities account, SEC rules prohibit a brokerage firm from using your funds and securities to finance its business. As a result, the brokerage firm is required to set aside funds equal to the net of all its excess payables to its customers (money the firm owes customers) over receivables from customers (money customers owe the firm). These rules also require the firm to segregate (hold separately) a customer's fully paid and excess margin securities.
If the brokerage firm becomes insolvent, the Securities Investor Protection Corporation (SIPC) protects cash and security futures held in a securities account. Most brokers who are registered with the SEC are SIPC members; those few that are not must disclose this fact to their customers. To find out if your brokerage firm is a member of SIPC, you can check SIPC's database.
SIPC coverage is limited to $500,000 per customer, including up to $250,000 for cash. This coverage is limited to protecting funds and securities if the broker holding these assets becomes insolvent; these protections do not cover market losses. To learn more, read our article on SIPC protection.
Protection for Futures Accounts—Cash held in a futures account must be held in segregation, i.e., separately from the brokerage firm's own funds. The firm cannot use your funds to margin or guarantee the transactions of another customer. Nor can the firm borrow or otherwise use your funds for its own purposes. The firm must add its own funds to the segregated account to cover another customer's debits or deficits. If the firm becomes insolvent, you may not be able to recover the full amount of your funds. Your account is not insured; however, customers with funds in segregation receive priority in bankruptcy proceedings.
What to Do When Problems Arise
If you believe you have been wronged or see a mistake in your account, act quickly. Immediately question any transaction you do not understand or did not authorize. Don't be timid or ashamed to complain. The securities industry needs your help so it can operate successfully. Here are the steps you should take:
- If you think it's a minor mistake, talk to your broker. This may be the fastest way to resolve the problem.
- If you can't resolve the problem with your broker or you believe your broker engaged in unauthorized transactions or other serious misconduct, report the matter in writing to the firm's management or compliance department.
- If you and your firm still can't resolve the problem, you have several options for resolving your dispute:
- Regulatory complaint programs. Investigating complaints from investors is a significant function of FINRA, the SEC and the NFA. Because the focus of these investigations is regulatory rather than compensatory, you should consider other avenues of dispute resolution if you are seeking to recover money or securities. You can file a complaint with FINRA if it's against a brokerage firm and its employees. NFA handles complaints against futures professionals. You also can file a complaint with the SEC.
- CFTC Reparations Program. The CFTC Reparations Program resolves disputes against commodity futures professionals that are registered with the CFTC and alleged to have violated the Commodity Exchange Act or CFTC regulations. You may seek actual damages (such as out-of-pocket trading losses). If you prevail, you also recover your filing fee.
- Arbitration and Mediation. Both FINRA and the NFA offer arbitration and mediation services. Arbitration is a dispute resolution mechanism that determines liability and whether parties are entitled to damages. Both actual and punitive damages may be awarded.
- Litigation. Although most new account agreements require you to pursue arbitration or mediation, you may be able to bring an action in federal or state court.
Caution! Be aware that certain state and federal laws limit the time you may have for filing a lawsuit, arbitration or CFTC reparation claim.
Additional Resources
Checklist: Before You Trade
Read the Security Futures Risk Disclosure Statement along with the August 2010 and April 2014 supplements.
Check your broker's background by visiting either FINRA BrokerCheck or the NFA's Background Affiliation Status Information Center (BASIC).
Realize that security futures will expire and, unless you offset your position, you may have to deliver or accept delivery of the underlying security.
Have access to funds in case your losses exceed your original investment.
Understand the need to follow closely the price fluctuation of the underlying stock for any futures contract you might buy or sell.
Futures contract—a futures contract is (1) an agreement to purchase or sell a commodity for delivery in the future; (2) at a price determined at initiation of the contract; (3) that obligates each party to the contract to fulfill it at the specified price; (4) that is used to assume or shift risk; and (5) that may be satisfied by delivery or offset.
Narrow-based security index—In general, an index that has any one of the following four characteristics: (1) it has nine or fewer component securities; (2) any one of its component securities make up more than 30 percent of its weighting; (3) the five highest weighted component securities together make up more than 60 percent of its weighting; or (4) the lowest weighted component securities making up, in the aggregate, 25 percent of the index's weighting have an aggregate dollar value of average daily trading volume of less than $50 million (or in the case of an index with 15 or more component securities, $30 million).
Nominal value—The face value of the futures contract, obtained by multiplying the contract price by the number of shares or units per contract. If XYZ stock index futures are trading at $50.25 and the contract is for 100 shares of XYZ stock, the nominal value of the futures contract would be $5,025.
Settlement price—(1) The daily price that the clearing organization uses to mark open positions to market for determining profit and loss and margin calls and for invoicing deliveries in physical delivery contracts, (2) The price at which open cash settlement contracts are settled on the last trading day and open physical delivery contracts are invoiced for delivery.
Spread—(1) Holding a long position in one futures contract and a short position in a related futures contract or contract month in order to profit from an anticipated change in the price relationship between the two, (2) The price difference between two contracts or contract months.


text: The Air Jordan 14 released in 1998, just after Michael Jordan's second retirement and the last season he wore a Chicago Bulls uniform. However, he managed to nab a pair to wear in his final game as a Bull, the very game he hit the game-winning shot against the Utah Jazz. Inspired by MJ's Ferrari 355 F1, the AJ 14 is among the most intricately designed Air Jordans to ever release.


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Are You Having Thyroid Problems?
It's hard to tell if you have thyroid abnormalities. You might feel run down and tired, or have what is known as "brain fog." You may be gaining weight, pregnant, or experiencing hair loss. Others may feel "hyper," anxious, or sweat a lot more than usual. All of these are common symptoms of thyroid disorders. The thyroid gland regulates many processes within the body, and women are particularly likely to have disorders that affect the function of this essential gland. Recognizing and treating these conditions is critical for optimum health and preventing long-term health problems.
Thyroid Gland
The thyroid gland is located in front of the neck. It has right and left lobes that confer a butterfly-shaped appearance. The hormones produced by this gland control the body's metabolism, or the processes by which the body uses energy. Disorders that affect thyroid function can either speed up or slow down metabolic processes, which can lead to a wide range of symptoms.
Hypothyroidism and Hyperthyroidism Symptoms: Weight Loss/Weight Gain
Changes in weight can signal an abnormal function of the thyroid gland. Low levels of thyroid hormones (hypothyroidism) can cause weight gain, while unexpected weight loss can signal that too much thyroid hormone is being produced (hyperthyroidism). Hypothyroidism is much more common than hyperthyroidism.
Hypothyroidism and Hyperthyroidism Symptoms: Swollen Neck
A goiter is an enlargement of the thyroid gland. As shown here, an enlarged thyroid can be seen as a swelling in the front of the neck. A goiter can occur with either hypothyroidism or hyperthyroidism. It can sometimes also result from tumors or nodules that develop within the thyroid gland.
Hypothyroidism and Hyperthyroidism Symptoms: Changes in Heart Rate
The hormones made in the thyroid gland affect almost every organ in the body, including the heart. Hypothyroidism can cause the heart to beat more slowly, while hyperthyroidism causes a fast heartbeat. Elevated levels of thyroid hormones also can lead to increases in blood pressure and the sense that your heart is pounding (palpitations).
Hypothyroidism and Hyperthyroidism Symptoms: Changes in Mood
Thyroid disorders can affect emotions, energy, and mood. Hypothyroidism can cause symptoms like depression, tiredness, and feeling sluggish. Hyperthyroidism is associated with sleep disturbances, irritability, anxiety, and restlessness.
Hypothyroidism and Hyperthyroidism Symptoms: Hair Loss
Hair loss is a common sign of a thyroid problem. Both too high and too low levels of thyroid hormones can lead to hair loss. The hair typically grows back once the condition is treated.
Hypothyroidism and Hyperthyroidism Symptoms: Body Temperature
The thyroid affects regulation of body temperature, so those with hypothyroidism often report feeling cold. In contrast, people with hyperthyroidism tend to have excessive sweating and an aversion to heat.
Hypothyroidism and Hyperthyroidism Symptoms: Other Symptoms
Other symptoms and signs of hypothyroidism include:
- Constipation
- Changes or abnormalities in the menstrual cycle
- Dry skin and brittle nails
- Tingling and numbness in the hands or fingers
Hypothyroidism and Hyperthyroidism Symptoms: Other Symptoms
Other symptoms and signs of hyperthyroidism include:
- Problems with vision
- Diarrhea
- Irregularities in the menstrual cycle
- Trembling hands
- Muscle weakness
Is It Menopause or Thyroid Disorder?
Thyroid disorders can cause symptoms that are mistaken for those of a woman approaching menopause. Both menstrual cycle changes and mood changes can result from the menopausal transition or from thyroid conditions. Blood tests can determine which of these conditions is responsible for your symptoms. It's also possible to have a combination of the two causes.
When Should You See a Doctor?
Your doctor may recommend tests if you have symptoms or risk factors for thyroid disease. Both hypothyroidism and hyperthyroidism are most common in women over 60 years of age. A family history of thyroid disease increases your risk of developing thyroid conditions.
Neck Check for Thyroid Disorders
Examining your neck in the area of the Adam's apple while you swallow can sometimes detect if your thyroid is enlarged. Swallow while tipping the head back, and examine your neck and the area above the collarbones. If you see any lumps or bulges, see a doctor.
Thyroid Disorders Tests
Blood tests can diagnose many thyroid conditions. Thyroid-stimulating hormone (TSH) is a hormone that controls activity of the thyroid gland. If your TSH is high, this typically signals that your thyroid function is low (hypothyroidism). In contrast, low levels of TSH suggest hyperthyroidism. Your doctor may also order tests to determine the levels of other thyroid hormones. Imaging studies and tissue biopsies are other tests that are sometimes used to evaluate thyroid problems.
Hypothyroidism Causes: Hashimoto's Disease
Hashimoto's disease, an autoimmune condition, is the most common cause of hypothyroidism. In Hashimoto's disease the immune system mistakenly targets and damages the thyroid gland, so not enough hormones are produced. Hashimoto's disease tends to run in families.
Hypothyroidism Causes: Pituitary Gland
The pituitary gland is located at the base of the brain. It controls the functions of many other glands in the body, including the thyroid. The pituitary gland produces TSH, which signals the thyroid gland to make thyroid hormones. If there is a problem with the pituitary gland and not enough TSH is produced, hypothyroidism can result. Inflammation of the thyroid and taking certain medications can also cause low thyroid hormone levels.
Hypothyroidism Causes: Grave's Disease
Graves' disease is the most common cause of elevated thyroid hormone levels. This is another autoimmune condition in which the immune system targets the thyroid gland.
What Is Grave's Disease?
In Grave's Disease, the immune system attack triggers the release of high levels of thyroid hormones. A swelling behind the eyes is one of the characteristic signs of Graves' disease, as shown in this photo.
Hypothyroidism Causes: Thyroid Nodules
Thyroid nodules are lumps that are found inside the thyroid gland. These lumps can begin producing high levels of thyroid hormones, leading to hyperthyroidism. Large lumps may be obvious, while smaller nodules can be visualized with an ultrasound examination of the thyroid.
Thyroid Storm
Untreated hypothyroidism can raise cholesterol levels and increase your risk of heart attack or stroke. If thyroid hormone levels drop to extreme lows, coma and a life-threatening lowering of body temperature can occur. Other complications of untreated hypothyroidism include a loss of bone density and heart problems.
Hypothyroidism Treatment
Treatment for hypothyroidism usually involves taking thyroid hormones in pill form. Symptoms usually improve within a few weeks of beginning therapy. Most of those affected will have to take the thyroid hormones throughout their life. Over time, treatment can result in weight loss, increased energy, and lowering of cholesterol levels.
Hyperthyroidism Treatment
There are several treatments available to fight hyperthyroidism. The best approach can be determined by a doctor, who will likely consider how severe the hyperthyroidism is, as well as a patient's medical history.
Anti-Thyroid Medications
Antithyroid medication, which attempts to lower the amount of thyroid hormone produced, is the most common treatment for hyperthyroidism. Many people need to take this medication long-term. You may need other kinds of medication to treat certain symptoms, like tremors or fast heart rate.
Radioactive Iodine
Radioactive iodine is a treatment option that destroys the thyroid gland over a period of weeks. This is an oral medication.
Beta Blockers
Beta blockers don't actually treat thyroid level disorders, but they do improve the symptoms of high blood pressure, rapid heart rate, and heart palpitations.
Hyperthyroidism Treatment: Surgery (Thyroidectomy)
Surgery to remove the thyroid gland is recommended for hyperthyroidism when antithyroid drugs do not work, or if there is severe enlargement of the gland. Surgery can also be used to treat thyroid nodules or tumors. After surgical removal of the gland, most people need to take thyroid hormones in pill form.
Thyroid Cancer
Thyroid cancer is not common, and it is among the least deadly types of cancer.
Thyroid Cancer Symptoms
A lump or swelling in the thyroid gland is the most common sign, and only about 5% of thyroid nodules are malignant (cancerous).
Thyroid Cancer Treatment
Some thyroid cancer, but not all, is treated by surgery followed by radioactive iodine therapy or radiation therapy. Thyroid cancer is almost never treated with external radiation.
Thyroid Problems Explained
This tool does not provide medical advice. See additional information:
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The range of furniture available in the market today is more diverse than ever - The fast pace of changing living styles and not least the competitive environment oblige furniture manufacturers to offer highly flexible product ranges.The furniture industry is using this reliable and highly innovative control platform very successfully: PC-based control, which combines PLC, NC/CNC, line and camming functionality in a single hardware or maps it through software modules. The PC can easily handle tracking of parts, user interfaces, CAD/CAM user interfaces, drill optimisation, configuration tools, production data collection and local databases.
Solutions: The furniture production process involves a wide range of machines with different functions.
PC-based control technology serves as a common platform for all processes.
Applications: The application reports illustrate application options for Beckhoff products and technologies in practice.
TwinCAT – the control plattform: TwinCAT integrates real-time control with PLC system, Motion Control and programming environment in a single package. Programming is based on the IEC 61131-3 standard.
EtherCAT – ultra high-speed communication: Outstanding performance, flexible topology and simple configuration characterise EtherCAT, the real-time Ethernet technology from Beckhoff.
XFC | eXtreme Fast Control Technology: XFC, the fast control solution, is based on an optimised control and communication architecture that is capable of I/O response times < 100 μs.


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Peckerwood Mo'Fire Extra Hot sauce
$ 8.99
Mo'Fire Peckerwood Extra Hot sauce is made with choice red habanero peppers, that helps to produce a sauce that's both exceptionally high in quality and extremely tasty. With a base of fresh carrots contributing a very slight sweetness,
In stock
SKU: 801007 Categories: Hot Sauces, Sale Items, Habanero, Heat Rating - 5
Product Description
Mo'Fire Peckerwood Extra Hot sauce is made with choice red habanero peppers, that helps to produce a sauce that's both exceptionally high in quality and extremely tasty. With a base of fresh carrots contributing a very slight sweetness and orange juice lending a slight citrus favor, all natural ingredients, and no artificial preservatives or colorings (it's even gluten free!), Mo'Fire Peckerwood Extra Hot sauce is in keeping with the high standards of their line of hot sauces. If you frequent Mexican or South American restaurants, you may have seen a bottle of Mo'Fire Peckerwood Extra Hot sauce on the table or sauce shelf. There's good reason for that. Hot Sauce lovers and chef's alike know Peckerwood delivers a well balanced and versatile sauce that is great for adding flavor and spice to everything from salsa to more complex dishes.
At Peppers, we love making our own sauces and know many of our chiliheads do too. There's something to be said for being able to grab a bottle of great sauce and just dig right in to your favorite meal though. Mo'Fire Peckerwood Extra Hot sauce is a "go-to" hot sauce for those occasions and is spicy enough for almost anyone to enjoy. The habanero pepper make a great addition to pulled chicken and if you are a shrimp lover, you'll really enjoy grilled shrimp basted in Mo'Fire Peckerwood Extra Hot sauce.
Since 1989 Rob & Billie have offered their quality product to the people of Florida. Now by word of mouth, peckerwood is available world-wide. Only ripe habanero chiles and the freshest produce, along with hands on know how are ever used. Its the 3-C's of hot sauce that keeps them coming back for more. Color, character, and consistency are the things that make Peckerwood Hot Sauce the gourmet product that it is.
Additional information
Habanero Peppers, Water, Vinegar, Carrots, Onions, Orange Juice, Lime Juice, Salt, Celery, Garlic, Cilantro, Spices
|Nutrition Facts:
Serving Size . . . . . . .1 tsp
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Professor Painindaass's Flamin' Flatulence X-Hot SauceProfessor Painindeass's X-Hot Butt Blazin' Recipe #5. Flamin' Flatulence tastes like a classic louisiana-style hot sauce, only hotter. Habaneros and cayenne help to kick up the heat, with garlic and vegetable juice complementing a touch of orange extract.
$ 7.99


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A day of many colours, it started with dark grey clouds and a blue green sea with white-topped waves, as I headed to a finds drop! I had to hand over a box of finds to a National Trust colleague, from a dig we did on Brownsea Island so they can create a display for Festival of the British Archaeology event at the end of July. A drive through the glistening rain to the Warminster office, past lush green trees and between kamikaze birds jumping out of bushes! First another finds drop, this time a feely bag activity for another NT colleague to use in Gloucestershire for FofBA. Then up the stairs past magnolia walls to my desk, first sort out more activities stuff for yet another FofBA event, this time at Corfe Castle, spinning and weaving kit, colouring sheets, a notice to say we are closed for lunch (so my volunteers can get a break) and some pictures of mosaics. One thing I really wanted to get done was a photomontage in memory of 'Gerry the Rope', who passed away recently and we will miss him so much at our event. He was a historical interpreter who had been coming to Corfe Castle for about twenty years doing rope making (both Medieval and Victorian), games, pole lathe demonstrations and candle making. He was a great communicator and friend.
As late afternoon approached I had to turn my mind to getting everyting ready for our excavations that start on Monday! write and print risk assessment, get day volunteer form printed, and go to the shed to sort the tools. We are digging up the last of the mosaics at Chedworth Roman Villa; they had been re-covered by the Victorians. It's the last part of a big Heritage Lottery Fund project to put a new cover building over the mosaics and the reinterpretation of the site. Three weeks of mosaic digging, Yay! Red, purple, green, yellow, blue 'gorilla' buckets, soft bruhses, hand shovels and a pick axe! The last item is for prising up the tarmac path. Note to self 'bring foot pump to blow up flat wheelbarrow tyre'
Nearly the end of the day, just a couple of things to do before the weekend. One is to send a flint report, web link and finds drawing to an artist, Simon Ryder, who is making an art work for the ExLab project, part of he Cultural Olympiad down in Weymouth. He is getting a 3D scan and printed model of a Mesolithic Portland Chert microlith which we excavated from a site on the cliff edge near Eype in West Dorset, an exciting project. The final job was to check a newsletter article about a pottery grenade found at Corfe Castle and finally identifed 25 years after it was dug up! Thanks to the Wessex Archaelogy finds specialist for posting the pot on the Medieval Pottery Research Group facebook site, the wonders of social media.
So into my Red Berlingo and southwards to Weymouth, with the wheelbarrow rattling in the back.


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One would think, said Barbara Roper, director of investor protection for the Consumer Federation of America, that "the near destruction of the global economy" would have ended the regulation/no regulation debate.
However, when it comes to our country's financial system, nothing has changed, according to Roper, and despite a series of successive disasters — the bursting of the tech-stock bubble, the accounting and analyst scandals, the mutual fund scandals and finally, the devastating financial crisis, whose after effects are still being felt in certain quarters – it's pretty much business as usual on Wall Street.
Granted, in the immediate aftermath of the 2008 crisis, the time frame in which the Securities and Exchange Commission should have completed its regulatory overhaul may have been unreasonable. But Roper also believes that the momentum for change petered out quite quickly, and any move for what she views as much-needed regulatory change has ground to a halt, leaving the financial system stuck exactly where it was.
The sad part of that, she said, is that nothing has changed for the people on the street.
"The average person does not have a clue as to what is appropriate regulation for derivatives or how credit rating agencies should be regulated or what we would need to make sound decisions about the asset-backed securities that were so disastrous," she said. "But the average person is, unfortunately, the collateral damage of these kinds of crises."
Today, many investors who were badly burned in the crisis are still reluctant to get back into the fray, but cultivating their trust is of the greatest importance, since "the markets depend on investors to provide capital at a reasonable cost," Roper said.
For their part, financial advisors are doing a stellar job of regaining clients' trust and confidence, cultivating these for the long term, she said. Still, in her view, their efforts are more or less futile in the absence of macro, system-wide financial sector reform and regulation and, more particularly, regulation that actually regulates the advisor-client relationship as "a relationship based on trust."
"We had a clear division between brokers and advisors, but the SEC chose to erase that line and now, going back and dealing with that is taking an unreasonably long time," she said. "The broad consensus is to apply a single fiduciary standard to all brokers and advisors alike, but [the regulators] still hesitate to act and bring this one to the table. Now, even a sophisticated investor does not know whether their financial planning professional is an advisor or a broker, and they won't know until the regulation is changed."
Roper serves on the SEC's Investor Advisory Committee. She is the 1991 recipient of the National Association of Personal Financial Advisors' Distinguished Service Award, the 1992 recipient of a Distinguished Service Award from the North American Securities Administrators Association, and a 2004 recipient of Consumer Action's Consumer Excellence Award.
(Check out Investment Advisor's full IA 25 for 2014 list on ThinkAdvisor.)


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Vail Vitality Center partners with Anschutz Health center
VAIL — Until very recently, targeting individual fitness training zones using personal heart rate was an exercise in guesswork. Most athletes — amateur and professional — have used the pulse-based calculation, or consulted a trainer, coach or fitness expert to determine their target zone, or they've simply done what "feels good." Unfortunately, for many, this method may be doing more harm than good. Professionals at Denver's Anschutz Health and Wellness Center, specifically the Human Performance Laboratory, have introduced research that supports an entirely new performance testing platform applicable to everyone from elite athletes to the average human hoping to improve his or her health. This new testing shows that many people hoping to optimize performance — or weight loss, or fitness level — are actually overtraining, flooding the body with harmful toxins that produce the opposite result; their bodies are literally breaking down. There is a new tool available, however, that can improve individual health and fitness for life: comprehensive physiological and metabolic testing available at the Vail Vitality Center.
Overtraining is a concept usually associated with elite athletes. And while high-level athletes do often experience fatigue and overtraining, recreational athletes are the population most vulnerable to overtraining. In fact, they have the same overtraining issues as elite athletes, but do not have a stable of experts to help them avoid overtraining. Generally, overtraining is caused by training overload — excessive training — or improper recovery; not allowing enough time for the body to regenerate and get stronger. Either way, this leads to a decrease and deterioration in performance, which is exactly the opposite of the desired result for all athletes whether performing at an elite level, training with a purpose or simply striving for a healthier lifestyle.
A new testing and training program available at the Vail Vitality Center, introduced in partnership with Anschutz Health and Wellness Center's Human Performance Laboratory, provides cellular-based physiological and metabolic testing that pinpoints the exact zone at which the individual being tested metabolizes fat — the optimal fuel for fitness. The Vail Vitality Center's Human Performance Program uses this scientific testing to create an individualized, performance-based fitness plan that is 100-percent unique to each participant.
"This is not a fad diet; it's not a pill," said Nicholas Edwards, M.S. in exercise physiology and assistant researcher at CU Anschutz Health and Wellness Center. "We're looking at what your body is capable of and building a lifelong program around it. Human performance is not reserved for the elite athlete. Put very simply, if you don't have a plan, you're guessing."
The Human Performance Program at the Vail Vitality Center determines the exact point at which the body stops metabolizing fat. It allows an individual to understand why their body may not be working as effectively as it could or should. The testing provides the baseline from which to build a personalized training plan designed to increase fat metabolism, increase muscle maximization and create a correct and optimal workout program, no matter the goal.
"We all train to get better, and that means something different to everyone," said Jeff Morgan, Vail Vitality Center director. "Without knowing exactly how to maximize your individual fitness, you're actually training to get worse."
The Human Performance Program includes a variety of components based upon individual goals and begins with an initial test and evaluation-consultation. Cost depends upon programming selection and plan recommendations, but starts at $499 for the initial two-hour appointment, which includes testing for lactate clearance and threshold, fat and carbohydrate metabolism, performance blood analysis, strength, speed and movement and VO2 Max. Edwards recommends repeating the text three times per year to maintain training recommendations, as an individual's target zone will change through implementation of a correct training plan.
For information or to schedule an appointment for complete physiological and metabolic testing and training through the Vail Vitality Center's Human Performance Program, call 970-476-7960 or visit http://www.vailvitalitycenter.com.
The program features certified professionals from Anschutz Health and Wellness Center and the Vail Vitality Center, in addition to Edwards and Morgan, including: Inigo San Millán, Ph.D. Exercise Physiology, head researcher at CU Anschutz Health and Wellness Center and director of the facility's Human Performance Laboratory; Miles Gentry, NSCA, exercise physiologist, Ski and Snowboard Club Vail (SSCV) coach and strength and conditioning expert; Ellen Miller, outdoor cardio coach, extreme high-altitude climber and two-time Mt. Everest summitter; Angela Muzic, Pilates specialist, fitness and dance coach and group fitness professional; and Mandy Owens, NSCA, certified strength and conditioning coach and Kinesiology specialist.
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Vail Resorts' cancellation of cloud seeding this winter could mean less water in streams
Due to budget shortfalls, Vail Resorts has pulled this winter's funding for its cloud seeding program — the longest-running in the state at 44 years — potentially reducing the amount of water flowing down the…


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Facebook COO Sandberg Sells $26 Million in Shares
Sheryl Sandberg, chief operating officer of Facebook, sold nearly 1 million shares of company stock on Friday, according to an SEC filing. The sale comes after a strong November on the Nasdaq for Facebook shares, as the stock price rose nearly 40 percent over the past 30 days. Sandberg netted close to $26.2 million from the sale, though she still retains close to 20 million shares of company stock.


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With all of the advancements in self-tanning, there are no more excuses for relying on damaging UV light from the sun for your tan. However, if you're new to the sunless tanning game, here are a few tips for maintaining a natural-looking glow:
1. Use a gradual tanner first.
If you're worried about uneven application or orange streaks, start with a gradual self-tanner to slowly darken your color over a few days. If you already own a tanner and want the same gradual effect, mix it with your daily moisturizer to dilute the color.
2. Never rush your color.
If you're trying to get a nice glow before an event, don't wait until the last minute. Traditional self-tanners can take up to seven hours to fully develop. If you want to use a gradual self-tanner, start the process a week in advance.
3. Exfoliate your entire body.
It's a must-do if you want an even and long-lasting tan. Concentrate on your ankles, knees, and elbows, and wherever else you have dry, rough spots. If you don't have a body scrub on hand, try baking soda and a warm, damp washcloth.
4. Take your time to blend evenly.
To avoid streaks, you need to spend enough time blending the product onto your body. When we evaluated gradual self-tanners, we also scored on the ease of application. If you're using a traditional self-tanner, consider using a hand mitt. The flat surface helps prevent streaks and also keeps your hands clean. I've become a big fan of the Vita Liberata Tanning Mitt ($6.50, sephora.com), which is reusable.
5. Be thorough.
Don't forget some of these hard-to-remember spots: the tops of your feet, the backs of your arms, and your shoulders. If you're self-tanning your face, blend the product all the way down your neck, too.
6. Moisturize to maintain your color.
Keeping your skin moisturized should help your tan last a day or two longer.
Now that you're a pro at applying sunless tanners, there are three options to consider: traditional self-tanners, gradual self-tanners, or body bronzers.
While we haven't conducted a lab test on traditional self-tanners in a while, we like L'Oreal Sublime Glow Towelettes ($11, ulta.com) and Vita Liberata Rich Tinted Tan Lotion ($37.50, sephora.com). The towelettes are especially great for avoiding streaks thanks to their broad surface area. Just make sure you're blending fully.
Gradual Self-Tanners
During our testing, we found that gradual self-tanners don't have the same harsh smell as traditional self-tanners. While you may not be able to achieve the same depth of color with a gradual tanner, two of the top four products from our test were Suave Professionals Visible Glow ($7, walmart.com) and Nivea Sun Kissed Radiance ($8, target.com).
Body Bronzers
These temporary tanners are great for when you're in a pinch for time and can't wait for a self-tanner to develop, or if you just want to boost what you have. Our testers preferred the Victoria's Secret Instant Bronzing Tinted Body Spray ($15, victoriassecret.com) and St. Tropez One Night Only Instant Glow Body Lotion ($18, sephora.com).
Mary Clarke is the senior product analyst in the Good Housekeeping Research Institute Beauty Lab.
Photo credits: The Image Bank/Getty Images; Courtesy of Retailers
NEXT: Faking It — The Best Self-Tanners »


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Cabo Matapalo, Costa Rica
Cabo Matapalo, on the southern tip of Costa Rica's Osa Peninsula, is a tiny outpost of rustic-but-romantic eco-lodges that sits within one of the largest untouched primary rainforests in the world. There's no downtown – there isn't even any pavement – and there's no electricity, so when the sun goes down, the town is lit up with candlelight. "It's a little easier to get to these days," says expat Trevor Brown, who's lived in Costa Rica since 2009. "But it still feels like the end of the Earth."
Much of the Osa Peninsula was designated a national park in 1975, and it still feels like uncharted territory; scientists flock to observe rare species like the puma and the tapir, the largest mammal in Central America. Whether you stay in a safari tent at Rafiki Beach camp or in a bungalow at the Encanta la Vida (which somehow found enough space for a swimming pool), locals recommend stocking up on things like snacks, candles, and mosquito netting before you arrive. At night, everyone retires to their room – or hammock – as the man-made world virtually disappears and the jungle comes alive with the roar of cicadas.
Wake up with a strong local brew and grab your board – a 10-minute stroll down a muddy path is where you'll find not only the best waves but also a thin crescent of sand that butts right up against the dense jungle. "And if you want to interact with the jungle on a more physical level," Brown says, "a local guide will take you to climb the huge trees or rappel down the King Louis waterfall."
Getting there: Fly to San José; connect to Puerto Jiménez.
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Specialized Carving on Furniture
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What makes us DifferentEbrahim's is a family run business with a focus on quality craftsmanship and old fashioned values. Every project is personal and unique and this is reflected in the longevity of our relationships with our customers. We are wood craftsman and see our wood creations as part of the life and heritage of our customers.
Our ReputationWe are considered the best at what we do, not only by our customers, but our competitors as well. Word-of-mouth remains evidence of our reputation and this is a huge accolade, given that our competitors often subcontract many components of their projects to us when quality is paramount.
Ebrahims Joinery
What we DeliverWe produce quality woodwork and joinery products. Most of the work we perform requires an experienced craftsman to ensure that every product meets the customers' expectations and enhances their environment.
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CCandy fashion line launches at MLB.com Shop
Children's MLB-themed apparel designed by Amber Sabathia
NEW YORK -- One by one the models came out in the fashion show wearing colorful attire and without any rehearsal for an off-day first: Sebastian and Brook Stewart; Blake and Trip Hafner; Alex, Adam, Luke and Audrey Overbay; Luke Robertson; Hunter and Miller Gardner; and "Little C," Jaeden, Cyia and Carter Sabathia.
CC Sabathia had the beaming smile of a lifetime on his face throughout as he took his own mobile video and pictures from the front row. It was his wife Amber's fashion show, introducing her new line of "CCandy" kids apparel now available at the MLB.com Shop.
Fewer than 24 hours earlier, Sabathia had worked 7 1/3 strong innings, and that had gone for naught after a rare blown save by Mariano Rivera The Yankees had ended a trip by being swept by the last-place White Sox, and they had arrived home at 5:30 in the morning. Yet there they were, the Sabathias along with Chris Stewart, Travis Hafner, Lyle Overbay, David Robertson and Brett Gardner, with wives and their kids all turned into runway models at the MLB Fan Cave.
"CC knows how to leave baseball at the stadium, and at home we're family," Amber said. "And it's all about family."
Sabathia was encouraged by his latest outing and showed no signs of frustration after the no-decision left him with six consecutive winless starts.
"Baseball is a tough sport," he said. "It's every day. You're going to have some ups and downs. Mo has been as close to automatic as you can be. To see that happen yesterday was something rare, but I know he'll come back and be ready to go."
The Yankees entered Thursday 11 1/2 games behind Boston in the American League East, and seven back in the race for the second Wild Card berth. They would have to leapfrog four teams to reach that second Wild Card. The Tigers come to Yankee Stadium for three games starting Friday, followed by four games against the Angels.
"It's going to be a tight race. It's going to be tough," Sabathia said. "It's going to be a battle, not going to be easy. But I think we have the guys in there to get it done. Whether that's a Wild Card or to come back and win the division.
"You still have to have faith that we can get it done. We've got guys coming off of injuries. When we can get back to 100 percent healthy, I think we'll be fine."
There would be time to go after that again. For the big left-hander, this was a time to watch the kids, to breathe it in and take pride in what his wife accomplished.
"This was awesome, to watch my wife put this together two years ago, to come up with the idea, and to be able to see it with the shirts and everything we have, the hoodies -- I mean, it was unbelievable," he said. "To see my kids modeling it, it was even better.
"It's been a lot of work. ... To see her come through with this and put this fashion show together and have all this buzz around her line is definitely a big accomplishment. I'm proud of her."
Amber worked with MLB Properties and Outerstuff to turn her dream into a reality. This is her husband's 13th season in the Majors, and their oldest son, Carsten Charles III (Little C), is now 9. She said she had walked into team stores year after year and after constantly seeing the "all-pink and all-blue," she was determined to help dress kids like hers.
"CCandy is a lifestyle brand," she said. "We were able to pull just the original blue and pink shirts, and really put some fun neon, splashes of glitter. You know, the clothes that kids want to wear not only to the baseball game, but they also want to wear it to school, to their softball game, out skateboarding -- it's just a lifestyle brand they can wear anywhere."
She credited many people for bringing this to fruition, and one person in particular:
"CC was extremely supportive," Amber said. "There would be no CCandy if it wasn't for CC. The name derived from him. I told him two years ago I had planned on doing this and he told me, 'It's an awesome idea, go for it'. And here we are now."
There was no run-through for this fashion show. The kids showed up with the parents and they went out in no particular order, and that was part of the charm. It was a respite for the dads.
"It means a lot," Gardner said. "My family and CC's family are pretty close. ... I know this is something that's very important to them, and I think it's a great idea. I think the clothing line is going to work out great. Our kids have a great time wearing the cool clothes, and it's a lot of fun.
"For us, it was get a little bit of sleep, just play with the kids, enjoy the off-day, then get a real good night of sleep tonight and be ready for tomorrow. But it's nice to be off of that road trip, for sure. We didn't play well on the trip, but the bottom line is we've got to start playing well, we've got to win ballgames, and hopefully we'll start to do that tomorrow night."


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With just three days to go before the much-touted launch of Mega, Kim Dotcom's latest business venture, a New Zealand media company has cancelled his order of hundreds of radio ad plays that would trumpet the new service.
Ever since New Zealand authorities smashed the old Megaupload a year ago, acting on (questionable) orders and criminal charges from the United States, the brash German's entrepreneur's story has continued unabated with increasing levels of weirdness.
For months, Dotcom has been playing up the new Mega service, claiming it is "Powered by legality and protected by the law."
Ars will be liveblogging the launch of Mega from the Dotcom mansion outside Auckland, beginning on January 20, 2013 at 1:30am Central Time (yes, overnight), or 8:30pm local time in New Zealand.
"For commercial reasons we are not playing the Kim Dotcom advert,'' a MediaWorks spokesperson told the New Zealand Herald on Wednesday. "When it comes to details of relationships with all of our clients, including Mr. Dotcom, we keep those arrangements pretty confident."
However, she added that cancelling a paid radio ad campaign was a "unique situation'' for MediaWorks.
On Twitter, Dotcom blamed "the music labels that are abusing their power, again."
A spokesperson for the Recording Industry Association of America (RIAA), Cara Duckworth, told Ars that the organization had no role in pressuring MediaWorks to pull Dotcom's ads.
In December 2012, the New Zealand Herald published an editorial calling Dotcom "good for the country," both for the man's flair and his role in exposing politician John Banks and the ACT party.


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