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Why Are Car Sales Down So Much?
All of a sudden, auto sales are declining…
Auto sales in the U.S. economy declined to an annual rate of 15.4 million units in December. In November, this number stood at 16.41 million units—a decline of more than six percent. (Source: Motor Intelligence, January 3, 2014.) Analysts were caught off guard by the decline in December auto sales; they were expecting an increase!
I see the decline in auto sales as being directly related to rising interest rates. And it's not going to get any better.
For years now (since the Credit Crisis), auto sales have been increasing due to low interest rates. It's very similar to what happened to the housing market prior to 2007. More and more people went on a house-buying spree when the mortgage rates were at record lows. When mortgage rates started to increase in 2007, the already-inflated housing market got hit hard. The same thing is happening to auto sales now.
Interest rates are rising again. Look at the chart below of the bellwether 10-year U.S. Treasury. Since November, the yield on the 10-year U.S. Treasury has gone up roughly 20%. The higher interest rates go, the weaker auto sales will get. (And we can already see the impact on the auto stocks. The stocks of America's major car makers are off five percent from their 2013 peak, but key stock indices are near their peaks.)
This stock shot up from $46 to $73 after its IPO. Now, because a government-sanctioned cartel of an industry related to this company just collapsed, the stock's price has fallen off a cliff. This mistake remains uncorrected and a $15 price tag is unjustly hung on the stock—just when it's about to soar! To get the full story on the stock that's about to pop 1,295%,... click here now.
Chart courtesy of www.StockCharts.com
Rising interest rates will have the biggest impact on auto loans given to subprime borrowers (those who have a lower credit standing).
My readers should note that the delinquency rates on auto loans have been continuously increasing since the second quarter of 2012. TransUnion, a credit information company, expects delinquency rates on auto loans to continue rising right through to the end of 2014. (Source: TransUnion, December 17, 2013.)
I'm just not that bullish on the economy for 2014. Soft auto sales are just one factor to look at. But when we have a stock market that is topping out, a housing rebound starting to get sluggish in certain key markets (again, because of higher interest rates), and corporate earnings growth under pressure, I don't see consumer confidence improving in 2014 to the point that it will positively impact consumer spending. In fact, I see the opposite: I see a pullback on consumer spending coming in 2014.


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Sarah Polley May Adapt John Green's Debut Novel
Looking for Alaska.
READ MORE »Looking for Alaska.
READ MORE »Congrats Vince Gilligan, Spike Jonze, and Sarah Polley!
READ MORE »She has been courting the Toronto Film Festival press on behalf of a professor and her filmmaking mentor, who were arrested in Egypt.
READ MORE »The actress turned director discusses her new family-secret documentary Stories We Tell.
READ MORE »A documentary by the actress-turned-filmmaker.
READ MORE »It's just a good policy, relationship-wise.
READ MORE »Spoiler alert! 'True Blood' to feature more sex.
READ MORE »She is a "strangely beautiful ... nightmare."
READ MORE »"Science's newest miracle ... is a mistake."
READ MORE »Plus industry news on Jay-Z, Ghostface, and Will Oldham.
READ MORE »Plus industry news on Ben Silverman and NBC, the Weinstein Company's mob movie, and Jared Leto and Sarah Polley's new film.

subset: commoncrawl


text:
Common was pointing outSubmitted by Guest Apu (not verified) on Tue, 06/07/2011 - 1:31pm.
Common was pointing out political sex scandals and saying that Liberals were liars. He omitted to mention any Republican scandals, so I pointed out a few of those. I was saying that both parties have a rich history of scandals, hypocrisy, and lying. »
Reply |


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Delaware Fun Facts
Headed on a family trip? Throw the bags in the car, buckle up the kids and print out one (or three) of these fun pages for fun along the way!
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Start learning with our library of video tutorials taught by experts. Get started
Users of all levels can learn how to use Corel Paint Shop Pro Photo to organize, edit, and share photos.
Designed to give users a basic understanding of the program and its features, specifically how to transform photos into paintings.
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Hilary Swank Talks Holiday Weight Gain and Elastic Waistbands
Like us on Facebook
"Eat away! Starting on Halloween, all the way through New Year's, I'm eating. That's why elastic waistbands are a must. So that you can eat a lot and let it stretch a little bit. You've got to have the elastic, and I think sparkles are always good for the holidays."
With all the high-calorie goodies and festive frothy drinks, it's hard to resist temptation, so I give in a little, too. When it comes to all the holiday fare, do you take it all in (heck, it's only one time of the year, right?) or do you strictly stay on track with healthy eating?
Source: Getty


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R55-9A and R55W-9A engines are certified Tier 4 final.
Hyundai Construction Equipment Americas Inc. (HCEA), Norcross, Ga., has added the R55-9A and R55W-9A mini excavators to its 9A series product line. These company says the two machines will provide operators with enhanced features and benefits compared to prior models. Improvements include a certified Tier 4 Final engine upgrade, improved hydraulics, increased operator comfort and added durability, says the company. The R55/55W-9A models are nimble machines that provide plenty of power and are ideal for rental, light construction utility and landscape applications, the company says. The R55-9A has an operating weight of 12,460 pounds and is powered by a 65.1 horsepower Tier 4 Final Yanmar 4TNV98C engine. The R55W-9A has an operating weight of 12,240 pounds and is powered by a 65.1 horsepower Tier 4 Final, Yanmar 4TNV98 engine. The R55-9A has a dig depth of 12 feet, 6 inches and the R55W-9A has a dig depth of 11 feet, six inches. Both machines feature a bucket digging force of 8,490 pound force and bucket capacity of 0.24 cubic yards. A dozer blade comes standard for light grading, backfilling and for stability while excavating. Hyundai's R55-9A is a track model with standard steel tracks and optional rubber tracks. The R55W-9A is a wheeled model. Both models have an advanced hydraulic system that includes an arm flow summation system, boom holding system and a swing parking brake for smooth operation. Improved pump flow control minimizes fuel consumption, and improved spool valves are engineered to provide more precise flow to each function with less effort. Enhanced hydraulic valves, precision-designed variable volume piston pumps, fine-touch pilot controls and enhanced travel functions make for smooth and easy operation. Boom-down flow regeneration and control valve technology are newly improved. Other valuable features include a hydraulic damper in the travel pedal and a hydraulically lubricated swing reducer with a leak-free grease chamber. HCEA says the R55/55W-9A excavators have a spacious cabin built for maximum comfort. An ergonomically designed suspension seat and adjustable arm rests minimize operator fatigue. Control levers are easily accessible and an instrument display is provided to keep the operator informed of pertinent machine information. Ergonomically designed joysticks are provided to reduce operator fatigue during the work day and multiple storage compartments are available for additional convenience. An advanced LCD display allows the operator to select personal machine preferences and monitor crucial machine date including engine rpm, engine oil temperature, water temperature and information for all electronic devices. Button selections are provided for auto idle mode, max power mode and travel speed. A security feature is also provided to prevent the machine from starting without a proper password. Structure strength has been improved on the R55/55W-9A excavators. The cabin structure has been fitted with stronger but slimmer tubing for enhanced safety and improved visibility. Low-stress, high strength steel is integrally welded to form a stronger, more durable upper and lower frame. Structural integrity was tested using the Finite Elements Method (FEM) analysis and long-term durability tests. Hyundai's R55/55W-9A excavators were built for added durability. Both models are equipped with counterweight rear guards to protect the engine hood. A boom cylinder cover provides added protection from tough working conditions. Additionally, long life hydraulic filters, hydraulic oil, shims and bushings are provided, which help to extend service intervals, minimize downtime and reduce operating costs over time. For more information, visit www.hceamericas.com or call 877-509-2254.
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You are hereDarby board rejects "objective origins"
On July 5, 2004, the school board in Darby, Montana voted 3-2 not to adopt a proposed "objective origins policy" on its second reading. The policy had been tentatively approved on February 2 at its first reading, but is now rejected. The proposal sparked intense local controversy and national media attention earlier this year. The fate of the policy became the central issue in the May school board election, where two policy supporters were decisively defeated by opponents, resulting in the change in board majority from "pro" to "anti".
New Science Standards Adopted in Minnesota
On its last working day, the Minnesota legislature adopted new science standards for the state. In one of their last acts before adjourning on May 16, both houses voted for the standards as forwarded to them by the Department of Education in December, 2003. They thus approved the standards as written and submitted by a committee of educators and citizens.
Bills Die When Legislature Adjourns
When the Minnesota legislature adjourned on May 16 two bills based on the "Santorum amendment" to the federal No Child Left Behind education act finally died. House File 2003 and Senate File 1714 were companion bills, identical in language, introduced early in the year. Each was referred to the appropriate education committee, but neither made any further progress through the legislature during the remainder of the 2004 session.
Two "Equal Time" Bills Die in State LegislatureMay 14 was the last day of the current session of the Missouri House of Representatives. The session ended without any action being taken on House Bill 911 or House Bill 1722, two versions of an attempt to mandate "equal treatment" for intelligent design and evolution in science instruction. The bills are therefore dead for this year.
Alabama legislature lets SB336 die without a voteby Nick Matzke On May 17, the final day of the 2004 legislative session, the Alabama state House adjourned without voting on SB336, a bill that would have allowed Alabama's teachers to present "alternative theories" of "biological or physical origins." Although SB336 was on the agenda for the final day, negotiations on the annual budget lasted into the evening, and the legislature adjourned at 10 p.m. without considering several controversial bills. Pro-science candidates triumph in MontanaAfter the May 4, 2004, school board election in Darby, Montana, the proposed "objective origins" policy is likely to be dead in the water. Oklahoma textbook bill passes -- without disclaimer
On April 28, 2004, the Oklahoma House of Representatives passed House Bill 2194 -- a bill governing textbook purchase contracts -- by a vote of 96–0. Conspicuously absent from the bill as passed was the disclaimer provision added to the bill on February 23. Decision to remove evolution from Italian schools reversedby Nick Matzke Pages |
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Situations like mine are slowly eroding the denial of lactation failure in the medical and lactation community. I've been told by doctors, doulas and lactation consultants themselves that LCs are more and more likely to be kept, um, abreast, of these very real, if rare, medical conditions, and that their training more and more includes information on breast hypoplasia. Lactation consultants aren't regulated by any governing body, though, so training is not standardized, and anyone can call herself one (you should look for certification from the International Board of Lactation Consultant Examiners if you need one).
But in the meantime, thousands of women each year are experiencing the confusion and terror that I did. So let me take a moment to allay your fears. If no milk materializes from your breasts despite how much and how long you've tried, and your baby gets nothing but formula from a bottle (or banked, pasteurized breast milk from somebody else, if you can find and afford it), for her first year of life, she will be fine. Three years after my fiasco, I'm happy to report that my own formula-fed daughter is vivacious, smart, and has a terrific immune system.
I will always regret that I couldn't breastfeed, but what I regret even more is the cloud of misinformation that continues to swirl around breastfeeding. Lactation failure is real, yes, but the real failure comes from mistreating women who experience it.


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Get your multiplayer out of my game!
on 08.05.2012
Lets talk about borderlands
On the surface it seems to be everything I'd want in a game, a crazy colorful yet gritty sci fi world, unique visual style, quirky characters, lots of guns and shooty action...[i]and/[i] the ability to play as a woman. Whats not to love?
And yes...it certainly has its apeal, but theres one problem...
Its dull as fuck.
after a while the novelty of Pandora wears off...after Ive switched my gun around for the 100th time and killed a boss (who has respawned) its getting old....some old quests..Same old monsters and psychos to kill. NPC's don't talk to me theres just a big menu that pops up in my face with some text (not bad by any means...but certainly not all that engaging)
If youre familiar with Borderlands then you already know what I did wrong, I was on my own...solo...a lone wolf....
I was playing it as a single player game
In reality its more like an MMO, respawning bosses and enemies, a "grind" feel to it, and characters that give you a quest with some text and send you on your way. I have a kind of loathing for the MMO genre (but I'll get to that later)
Now I'm sure borderlands is an absolute blast to play with others and I'm sure thats certainly what was in mind when they made it. Is it really fair of me to criticize Borderlands for this? Is it fair of me to expect a decent single player? I mentioned the voice acting thing, maybe that amount of dialogue just wasnt in the budget, I don't know.
But how hard would it have been to make things a little more single player friendly? its not like they were far off....the opening is great, the world of Pandora interesting, there's certainly
going on story wise (even if they do say it was an anti-climax...I never got that far) one thing I remember was collecting audio logs of some scientist lady who was going insane over her obsession with "the vault", and later told me to go "apply blunt trauma to my head with a rock until I forget"..That was great
Perhaps it would have been more immersive if characters spoke to me in person rather than (literally) through a wall of text. Perhaps it would have felt less monotonous had Boss's actually
stayed dead
after I killed them, and maybe a little less lonely if I didn't get dropped off by the bus and never see my buddies again (because their spots were meant to me taken by others players)
But then maybe such changed are kind of "breaking" it ...perhaps this is all nitpicking...and perhaps I'm just a bad "Gamer" for not being satisfyed with shooty action alone
I don't think Borderlands is a bad game for what it is, and after reading up on Borderlands 2 Im even temped to give it another chance. But I mention borderlands because while its a good game...its
"a game that you can play on your own but is really meant to be played with others'
And this is my main point...in this day and age its hard not to feel like the "single player experience" we know and love is under threat
Some time ago if someone mentioned Multiplayer in Mass Effect 3 to me I would have scoffed at the Idea
"multiplayer? In ME3?! Such a notion is preposterous good sir! Now off with you! I have no time for such folly!"
Fast forward a year or two and oh look....ME3 multiplayer. What about dead space? That game that thought it was scary? And was trying so hard people were like "ohh! dead space you scared me so much!" but it was an act because no one wanted to hurt Dead Spaces feelings....well Dead Space 2 comes along and it has competitive multiplayer....at least Dead space 1 was making an effort, and now theres Co-op in Dead space 3 because no doubt someone over at EA decided it was a must...along with "cover" based shooting..Probably the same with ME3
Or even non-EA games...Assassins Creed, Uncharted games you wouldnt think need multiplayer...but its there
Multiplayer has now become "standard" like a tutorial or having the system requirements on the back of the box (you know...box's...PC games still exist in those)
I'm not anti multiplayer...though my relationship with online gaming is love/hate (much like Anime).As much as I was (and still kind of am) against multiplayer in ME3 I still played it...quite a bit actually. I find multiplayer is really fun for a while but gets old quickly, I also have an internet cap I have to think about, which I admit has seriously limited my dive into multiplayer. Thats just me of course.
And the examples of Assassins creed and Uncharted may be somewhat unfair since in those cases single player takes centre stage first and foremost.
Its no big revelation that tacked on multiplayer sucks...just being there for the sake of being there, Why should I be bothered? I'm bothered because the very presence of multiplayer potentially takes away what they could have put into single player. Sure that sounds kind of paranoid, and you could argue thats not the case in ME3 or even Dead space 2...aprently being as short as DS2 is acceptable for that genre of game.ME3's..."problems" may be due to other factors (rhymes with "bee" and "way"...together...in that order)
I have a kind of logic in regards to this thing. If a game (like Deus Ex:HR or Infamous 2) comes out without any multiplayer then that game is essentially saying "this single player is what you are paying for, therefore in theory it should be up to standard and worth your money"
Now I know in the real world is not exactly like that, BUT at least I know what I am getting for my money. The thing is multiplayer as a feature is completely useless to me, so I have to be sure I'm not getting a game and it turns out its only 6 hours long, Or even if you like multiplayer, the fact is if or when it eventually dies (this of course varies a lot)...what are you left with? Either way youre left with half a game
But then maybe complaining that games like Battlefield and COD are not worth it in terms of single player is like going into a strip club and complaining that the women are being objectified...no ones cares, thats what everyone is there for.
So what about stuff like co-op? Thats the best solution right? No, wrong, thats even worse, as far as I'm concerned its a bigger problem than tacked on multiplayer. Not saying Co-op is bad, it can be great...and games like Saints row have impletmented it without affecting the single player
going back to my Borderlands example, I fear that we may get more games that "can pass themselves off as single player" but in reality are meant to be played with someone else...like Diablo 3..well ok Diablo 3 wasn't even trying... Because "online is popular therefore we must have online"
for someone like me a game like that is already dead on arrival....
Next point, going back to my mention of COD and Battlefield and "getting value for money" leads into the issue of the current pricing system and all kinds of complicated stuff as to whether or not games are worth their $60 (well in my case $80-$100) release price
And its no secret that there are "issues" in the industry with money...to put it lighly, even somone like me can see that (though I do not claim to know what I'm talking about in regards to that)
So with the $60 pricing model (and games as a single standalone product) in question they are looking at different ways to get our money...somtimes for better...and somtimes for worse. Stuff like Microtransations, subscriptions and Free to Play"
All of which lend themselves better to multiplayer
I get the impression in these tough times publishers see a heavily online focused game as a cash cow, and its not hard what with WOW being....WOW. Everyone wants a slice of the sweet sweet MMO pie.
Is that the reason they made The Old Republic an MMO instead of making KOTOR 3? Ok maybe its a bit cynical to think so, since they were at least trying to give us some kind of story (but then I wouldn't put it past EA to really really want a WOW killer)
[This is going to get ranty]
the thing is...I hate MMO's, so much it irritates me when people used to point to WOW's success (or the MMO being a mainly PC thing) as evidence of PC gaming "not" dying (if that was the case it would already be dead to me)
A while ago I tried "The Secret world" because it seemed interesting and I figured I might try the online/MMO thing...a certain itch I felt like scratching
And after playing a bit and making two characters (one for Dragon and one for Templar...because screw the illuminati) I thought it was really cool, I liked the world, the mystery and story, the setting...there was only one problem
It was an MMO
With the same MMO bullshit
Running around...questing, grinding with people running around dressed as wankers
It could have been a really cool single player RPG but instead it had to be an MMO...and ok, I admit its clear I'm just not an MMO person, I'm not saying MMO's are inherintly bad, obviously lots of people enjoy them
like these guys
MMO's just arent for me, and I guess the reason I even bring them up is maybe I feel like they keep getting made because (as I said) everyone wants a cash cow...
The point to my rant is I feel like the single player RPG will turn into the "MMO". Does a Mass Effect MMO seem out of the question? (or a movie staring Sam Worthington directed by Micheal bay)
(I apologise to any MMO players)
.Then theres the "F2P" issue, even hardcore multiplayer (and MMO) types roll their eyes at the Idea, since F2P kind of has a stigma of "low" quality..But is also considered "pay to win". Games like Team fortress 2 and The Old republic have gone free to ploy (in TOR's case it seems rather embarrassing given how many times they said they wouldn't) and of coarse everyones expecting The Secret world to eventually go F2P...It does make you wonder when the people behind Crysis are talking about focusing on F2P
Not to mention subscription services" in regards to "the big two" online first person shooters, COD and battlefield
It seems according to them online is where the money is
My final point is, when you add online to a game you have to make allowances for that...thats why MMO's and games like borderlands have all that crap, respawning enemies/bosses, "post it note" quest givers with the usual fetch quests...they have to allow for the fact that there are other players..[i/]and thats fine[i]
BUT you can't give the player the option to play on their own and call it a day (or still make them be online 24/7), that does not make for a good single player experience.
and at this point I admit I have not mentioned games like Journey or Dark Souls, where the online aspect is implemented in a creative way that enhances the experience...while I still don't like the Idea of having to be online when I'm essentially playing by myself I can't deny that maybe these games are a sign I don't have to fear the "scary" future of games and online..But that said forever journey theres a game with tacked on multiplayer.
While I cant get angry at trends or blame everyone for following trends I do wish the industry would stop acting as if Multiplayer is somehow essential...or interchangable with (or better than) single player..They are completely different experiences. I wish they had more faith in the fact that some of us prefer single player and really don't need an arbitrary multiplayer mode to buy a game.
Sometimes I just want to play alone
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From $200 / night
Hide Property Details
- 3 bedrooms
- 3 bathrooms
- Sleeps 6
- House
Description from the manager
Chaffin Home
The historic Chaffin home is a mix of old and new, with some original features still in place along with more modern conveniences in the kitchen and throughout the home. You will remember the uneven floors and the cracks from settling over the years as well as the huge lodge style dining room that was added by Otto Teller.
There are 3 bedrooms in the home, one with a queen bed and two with two twin beds each. Two full baths and two 1/4 baths provide ample facilities for a home that sleeps six.
A large dining room with fireplace provides a warm setting for a memorable meal while two large living rooms will give everyone plenty of room ...Read more
Chaffin Home
Corvallis, Montana
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Additional Location Information
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- Kitchen
- Pet friendly - no
- Smoking allowed - no
- Suitable for children - yes
- Suitable for the elderly - ask
- Wheelchair accessible - ask
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About StumbleDNA StumbleDNA
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Essential hacks, tricks and secrets for Microsoft's supposedly closed system
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Brian Despain Art
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Heart and Mind | Luke Ramsey
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16 Incredible Van Gogh Paintings Tilt Shifted
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Luxury, Stylish & Personalised Gifts for Babies & Children
FREE Gift Wrapping - Over 90% of products including personalised products sent out within 24 hours
FREE Delivery on orders over £40 throughout the UK
International Delivery available
Kaloo, enchanting and soft luxury toys for our little ones, when we only want them to play and go to bed with the softest comforters, the cuddliest bears and rabbits, the cosiest blankets and beautiful cot and pram toys.
Choose from the soft pastel colours of Perle, the pinks and lilacs of Lilirose, the different shades of Blue, the bright and fund colours of Colors or the soft and cushy towelling of Plume.
About us
Customer Comments
Good afternoon Bundles of Joy
Wow, what can I say?
I ordered a Christening Mug yesterday at approx 13:30 I was kept informed of the progress of the order via email in the afternoon.
This morning I received an email stating that it would be delivered today by courier between 11:14 and 12:14 it turned up at about 11:18.
What fantastic service, I will definitely be recommending your company, and using it again.
Many thanks for such a prompt and professional service.
~ Terry Wright - March 2015
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Moving water effectively across your land is an important consideration when designing an outdoor space. According to Houzz.com, there are several ways to work drainage and water movement into your landscaping that is both beautiful and functional. Planning considerations The topography of your land and the setup of the neighborhood drainage system … [Read more...]
Take a Different Approach to Your Garden in 2015
Taking a new approach to gardening gives you a chance to explore the full potential of your land. If you've always followed the same routine when choosing plants for a New England garden, Houzz.com suggests changing things up a bit. Mediterranean Landscape via Houzz Set a section free Allow an area of your garden to grow free this year to discover … [Read more...]
Functional Gardens are a Great Compromise Between Style and Simplicity
Designing an outdoor space nowadays is all about combining form and function, style and simplicity. Decks and patios have become extensions of the home as outdoor entertainment and relaxation areas and garden architecture ties into that growing trend. Houzz.com has some helpful ideas for designing a stylish, usable garden. Contemporary Landscape via … [Read more...]


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I have previously used restylane for nasolabial fill ins however my Dr. suggested that E Matrix would clean up that area, and the lines around the mouth after a few treatments, because it produces collagen. Is this true, I have not been able to find any information about this? Thank you
Will E Matrix Treatments Help Fill in Nasolabial Lines over Time?
Doctor Answers (2)
Nasolabial folds are typically fairly deep - any resurfacing technique will create some collagen production but it is highly unlikely it would banish your nasolabial folds.
One option to discuss with your doctor and consider is the use of a dermal volumizer "above" the nasolabial fold in the cheek area. Often what makes the NLF more pronounced is the loss of volume in the areas of the cheek. A volumizing product like Radiesse or Sculptra can provide a very nice cheek enhancement and often this makes treating the nasolabial fold a non-issue...or a lesser one.
The lines around your mouth should improve with eMatrix as it does create collagen response, though unless the lines are very shallow, you will most likely see an improvement instead of a complete correction.
Many lines above the lip are a result of lip pursing - either unconscious or as part of muscle movement in your speech pattern. So expect them to return at a certain level even after the resurfacing.
Some patients consciously attempt to lessen the upper lip action in speaking - one old time help is the use of "frownies" - pasted paper that is glued to the skin overnight (or when you are at home alone) that make habitual lip pursing more difficult.
Web reference: http://rebeccafitzgeraldmd.com/ematrix.html
The eMatrix uses fractionated bipolar radiofrequency energy which is called sublative rejuvenation. Sublative rejuvenation with the eMatrix is a very effective procedure to tighten and rejuvenate photoaged skin. It is used for patients with mild to moderate wrinkles and acne scars. It is also effective for the delicate skin around the eyes and on the neck. It does not work, however, for deeper lines like the nasolabial folds. Fillers such as Radiesse are my preferred choice for treating that area.
Web reference: http://www.dorsetstreetdermatology.com/medical-spa-services/facial-rejuvenation/
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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FRIES — Blue Cat on the New has reeled in the contract for a pilot program to increase accessibility on the New River Trail State Park. Only this outfitter, with locations in Fries and Draper, has received permission from the state to host tours of portions of the popular trail using golf carts. Business owner Donnie Turner's application was accepted last winter when the state park system sought proposals. The tours out of the Fries location can stretch to about 2.5 hours and extend as far as Byllesby Dam and the Gambetta area.
HILLSVILLE — A new idea to raise money to "flush out cancer" continues to float around the community. A group of Galax-Carroll Relay for Life participants, Team Lifesavers, have been stealthily placing their plumbing-related fundraising tool in some high-traffic locations. "Our team is made up of teenagers who are working in memory of those lost to cancer or in honor of those who have survived or are fighting now," the accompanying documentation says. "Please help us by supporting our effort to 'Flush Out Cancer."
The 9th Annual Smoke on the Mountain barbecue championship will offer a dual competition for participants this year. In addition to scoring points in the traditional Memphis BBQ Network competition, vendors can also place in the Kansas City BBQ Society contest. Smoke on the Mountain, the official state barbecue cook-off, is held in downtown Galax each year in July. This year's event is July 19-20. The smell of authentic barbecue prepared by award-winning vendors is enough to draw in thousands of people each year for the two-day event.
The winners of the Personal Training Transformation Challenge have been announced, and the two selected from more than a dozen entries soon will begin a 12-week personal training session through the Twin County Wellness Center of Twin County Regional Healthcare. The winners were chosen in two separate categories: personal training and medical rehabilitation. Travis Haynes was chosen to receive the personal training challenge, and Treva Osborne was picked for the medical rehabilitation challenge.
INDEPENDENCE — One thing's for sure – when it's time for a baby to be born, it's going to happen when it's time, whether it's in a hospital or in the back of a rescue squad ambulance. This was the case early June 6 when the Independence Volunteer Rescue Squad was en route to Twin County Regional Hospital in Galax with a maternity patient. The squad was dispatched to the residence of Jessica Billings on Old Bridle Creek. They loaded her onto the ambulance at 2:10 a.m.
Local churches are uniting to bring a four-night youth event back to Galax on July 21-24, this year with a focus on extreme sports and skateboarding.
Fourth of July celebrations are abundant this Thursday, with parades, fireworks, music and more in multiple locations. Here's a guide to the Fourth festivities in Independence, Galax, Hillsville, Fries, Lambsburg and Ivanhoe
Independence The Town of Independence will offer a full day of events. The festivities will kick off at 10 a.m. with the annual parade, which will start at the intersection of U.S. 58 and U.S. 21 at the 1908 Courthouse and end at the Food City parking lot at the Guynn Shopping Center.
The annual Galax Firemen's Carnival begins its festivities on June 24 and continues through June 29 at Felts Park in Galax. Normally held on the week of July 4, the carnival was pushed back this year due to scheduling conflicts, according to the fire department. "Normally, when a carnival is booked, it is from a previous year with a city or town. We have recently been carnival shopping and these dates are what we got," department officials explained on the GVFD's Facebook page.
WALES, United Kingdom — The team that won a competition to highlight the importance of a copperworks in the Industrial Revolution drew its focus from Jared Bowers, a Carroll County native and 2001 graduate of Carroll County High School. Bowers is a doctoral candidate at the International Centre for Cultural and Heritage Studies at Newcastle University in the United Kingdom.
Dozens of swimmers participated in an attempt at breaking the record for the world's largest swim lesson on June 18 at the Galax Recreation Center's indoor pool. Beginning at 11 a.m., aquatics coordinator Trace Lumpkin led a class of 32 into the water for their lesson at the same time as other participating instructors in more than 700 locations around the world. The current Guinness World Record is held by Team WLSL (USA), which tallied 19,322 participants in 235 locations throughout the world on June 14, 2011.
Cruisin' and Groovin' in Galax begins this Friday at 5 p.m. in downtown Galax. This is the first of three Cruisin' and Groovin' classic car cruise-in events planned in Galax this year, with two others scheduled for July 12 and Aug. 16. Streets will close and car registration will begin at 4 p.m. The cruising event begins at 5 p.m., with music by The Attractions beginning at 6 p.m.
HILLSVILLE — Members of the Grover King VFW Post 1115 and Ladies Auxiliary held a special ceremony on Flag Day to honor a beautiful symbol of the United States' national pride, according to organizer Don Dobbins. The Stars and Stripes is the fourth-oldest banner in the world, older than even the flags of Great Britain and France. "Their countries might be older than ours, but our flag is older than theirs," he said.
Twin County Wellness Center has partnered with The Gazette to offer 2 people each a free, 12-week personal training session!
In January, Vatress Williams of Woodlawn handed the Carroll Chapter of Project Linus over to Sarah Melton of Independence.
Williams had served Project Linus for about five years and got the chapter to supply 4,030 blankets to children in the area.
HILLSVILLE — Lilias Turman, 90, reported to the Grover King Veterans of Foreign Wars Post 1115 at 5 a.m. on May 15 to help cook breakfast for the many law enforcement representatives that attended the Peace Officers Memorial Day observance. It's for actions like this in a busy schedule of helping her community that Turman's sisters in the VFW ladies' auxiliary recognized her as volunteer of the year in Loyalty Day activities.
Luke Hampton, an Alleghany County wrestler paralyzed after his spine was injured during a match, is now running his own business and training young grapplers. On Sunday, a free concert in Sparta, N.C., will benefit Alleghany Special Olympics in honor of Hampton.
Beginning on May 21, the Galax Recreation Center is offering a new exercise program designed to improve the health of current and former breast cancer patients. Leading the class is cancer exercise specialist Renee Stoneman, a fitness guru who is dedicated to improving and maintaining cancer patients' health.
WHITETOP — Grayson Highlands State Park is a beautiful place to visit, hike, camp or just get away from your regular routine. Just be sure to keep your eye to the sky for fast changing weather conditions and always go prepared. After my many visits there, I always had a lingering disappointment in the back of my mind every time I was about to make my way down the long winding road out of the park – I still had yet to see the infamous wild ponies that inhabit the balds of the mountain top, which I had heard so many stories about.
Randall Zelmer Warf, a World War II veteran who had seen the world past "the Ridge," had a dream of getting out of the Gossan mines for his family's sake after returning to the Carroll County community. Warf never got to fulfill that dream because he died at 27 in a mining accident in the early morning hours of May 1, 1947, according to family members.


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21 Rounds Of Rock Dude F@#k, Marry, Kill
Sex, polls, and rock n' roll.
Sex, polls, and rock n' roll.
With this weird video he made for the holiday.
Just really really sorry about this.
These classic songs will get you on the dance floor.
Well, besides this tampon ad. July was an unusually good month for good advertising.
Blood. Fire. Giant hamster balls. These performers are legendary for going nuts onstage, and you're about to see why.
Get ready for some clear jeans and, like, zero shirts.
Wait, is Deadmau5's real name Joel, or Bleepelmaxx?
Yep, you read that correctly. He seems as thrilled as we are.
Iggy Pop's torso looks like a face. View Image ›
You wouldn't know by looking at these rockers that they are rich and famous. In fact, if they were sitting on the sidewalk holding out a cup, you would probably pass them right by. View List ›
Iggy Pop's Carnegie Hall audience parted ways to let him fall to the floor during a stage dive. Read More ›


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I was having alot of problems rooting droid 2 with the OTA Gingerbread. So I reverted back to 2.2 and restored a previous configuration Problem is my pop3 email account is missing from the My account List. It is still in the memory somewhere as its still receiving emails. But I need to change the settings and since its not in the list I can't do that. I tried to add the email account again but it says it can't add a dulicate. Anyone know how I can get the account back in the list? Or delete the files associated with this email account so I can just add it afresh?
I'm having the exact same problem. Mine was a result of testing something for our users by switching between the Blur Email Client and ASOP. With Liberty ROM I can switch between them or remove them completely. I've tried all of that, as well as making an identical account, and it tells me it's already created, but it does not show in the account list. The annoying thing is the settings are incorrect so I get an error notification every 15 minutes when it checks for e-mail. Is there any way to remove this phantom account without wiping again?
unfortunatley I didn't find a solution - Verizon and Motorola tech support couldn't help. I had to factory reset
Yeah I figured they would be pretty worthless...I'm thinking I will need something along the lines of some system utility or a config file location that I can wipe (requiring a rooted phone). Thanks for the follow-up.


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American Eagle Outfitters
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We're seeing how the small luxury crossover market continues to expand, but it now appears that the large three-row luxury SUV market will also host at least one new player in the near future. According to a report from The Wall Street Journal, BMW will expand production at its Spartanburg, South Carolina factory in order to build a large luxury SUV called the BMW X7.
Our previous projections pinned the BMW X7 for arrival in 2018, which if correct, would mean it will directly challenge the next-gen Mercedes-Benz GL also slotted for that year. The BMW X7 will most likely ride on an adjusted version of the platform underpinning the next-gen X5 and X6.
It's also possible that a large super-luxury Rolls Royce SUV could be born out of the same architecture, which would square up directly against a production version of the Aston Martin Lagonda concept. If rumors are true that there is a marriage in the works between Mercedes and Aston Martin, the Lagonda would presumably be built on the next-gen GL's platform, codenamed X167.
On March 28 BMW will reportedly announce that it will add a third body shop to its Spartanburg facility, helping it boost production capacity to 400,000 vehicles a year. The expansion will constitute a 33 percent growth over the current 300,000 annual units produced, as BMW looks to maintain its spot as the leading brand in luxury automobile sales. Next up for arrival in the U.S. is the 2015 BMW X4 (a coupe-like X3), which will also be built in Spartanburg.
"Spartanburg is our world-wide competence center for the X-models," BMW global production chief Harald Krüger told The Wall Street Journal.
With future vehicles like the BMW X7, BMW is doing all it can to fend off would-be luxury sales leaders, which include Volkswagen's Audi. Audi is set to debut its own next-gen three-row SUV, the Q7, by the end of 2014. Construction of Audi's San Jose Chiapas, Mexico plant is already underway, where it will build the next-gen Audi Q5.


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Information about our holdings
Poetry at Beinecke Library
Freud's Impossible Life: An Introduction
A Lecture by Adam Phillips
Friday, February 25, 2011, 5:00 pm
February 17, 2011
Please join us at the Beinecke Library for the following events to be held in conjunction with Psyche & Muse: Creative Entanglements with the Science of the Soul, an exhibition exploring points of contact between the arts and the study of the mind. All events are free and open to the public.
January 20, 2011
The Beinecke Library is pleased to announce that the Richard Moore papers are open for research; a detailed description of the papers can be found online: Richard Moore Papers. Moore donated his papers to the Beinecke Library in 2009.
September 30, 2010
Jean Valentine, Poetry Reading
Wednesday, September 29th, 4:00 pm
Beinecke Library, 121 Wall Street
Yale Collection of American Literature Reading Series
September 22, 2010
Jean Valentine, Poetry Reading
Wednesday, September 29th, 4:00 pm
Beinecke Library, 121 Wall Street
Yale Collection of American Literature Reading Series
Contact: firstname.lastname@example.com; Event Information
Nick Reding, Reading and Discussion
Thursday, October 7, 8:00 pm
September 14, 2010
Beinecke Rare Book & Manuscript Library
121 Wall Street | New Haven, CT 06511
Campus Map
Tel: (203) 432-2977 Fax: (203) 432-4047
USPS: Mailing Address and Information
email: Ask a Librarian
Join our email list for the latest updates on exhibitions, events, and other library news.
Exhibition Gallery
Monday - Thursday: 9 am to 7 pm
Friday: 9 am to 5 pm
Saturday: 12 pm to 5 pm
Reading Room Hours
Monday - Thursday: 9 am to 6:45 pm
Friday: 9 am to 4:45 pm


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Patient Reviews
Patient Reviews ? Write a Review
Overall Rating:
Total Ratings11 |
Total Reviews2 |
Dr. Kueber has been my doc for almost 5 years now. He is very patient and thorough. His nurse gathers all of the details about what is going on, and he comes back and verifies everything and asks more indepth questions. He does a lot of testing in office that other doctors send you out to have done- this saves you and your insurance company money. His office has been helpful in working through issues with insurance and I can't say enough about how nice and thorough his practice is.
I went to see Dr. Kueber last year by the recommendation of a good friend..I liked him, I explained that I was Manic Depressive...he change my meds... they didn't work. so I asked for my old ones back and returned the new ones (valium) to him. I went back and had a gyno visit, again he was pleasant and kind. They drug tested me when I got the new meds as it is a class C narcotic. I failed but was honest about what I used. He fired me. Ok, not only am I fired from his practice but all of them in this area who accept Healthy Indiana Plan. THANK GOD for the Northeastern Center. Until I lost my insurance I had the same GP since I was 16. When I tried to apologize to Dr. Kueber I was not aloud to speak to him. i am not a drug addict or drug dependent. I am manic depressive I now need to see a Dr. as I have health problems, asthma, female issues and as of this point, no Dr. in Auburn or Dupont Rd. will take me. At this point I HATE doctors and have given up. He made up his mind about me in 7 minutes or less and didn't even discuss it with me..I found out thru a chain letter. I am on disability and pay 106 dollars per month for insurance I can't use. I know This Dr. is following Protocol but you would think he would have the decency to discuss it with me be4 kicking me to the curb.


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RARE HARLEY FOR SALE This rare and unique 1982 Sturgis was custom designed and manufactured by Harley as requested by an individual. Truly 1 of... More
BEAM: 1946 Hiawatha Doodlebug, mint correct restoration. 623-584-9144, AZ; [email]... More
NORTON: 1965, 750, restored; 1930-1950s gas pumps, late 1970s Valvoline go-kart, 1950s mannequins, 1950s custom car. 217-734-9400, IL.... More
CUSHMAN: 1946 Step-thru, 80% restored, too many new parts to list, call Tom. 719-598-1067, CO.... More
You could win this 2015 Harley-Davidson Softtail Deluxe or $10,000. Only $20 per ticket plus 4 additional chances to win $500 each. To be... More
INDIAN: 1905, restored, blue, you have not seen one this nice or perfect. Charles Petty, 812-631-5672, IN.... More
SUZUKI: 1976 RE5 rotary motorcycle, very low mileage, black, runs perfectly. 310-722-7309.... More
25-YEAR collection of 1942-78 BSA, Triumphs and Harleys (10) and miscellaneous parts, $22,000 obo for all. 785-566-8343, KS.... More
MUSTANG motorcycles and new inventory of NOS rare parts: Mustangs $995; 62 trail machine, $895. 714-963-9555, CA.... More
Tour shows with ease. Silent electric 3-wheeler carries 2 riders up to 550 lbs total. Travels up to 50 miles on a charge with... More


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(September 23, 2011: Visalia, CA 93291) Redwood Rangers (Visalia, CA) supporters left the game in high spirits Friday as they observed their volleyball squad top the visiting Hanford West Huskies (Hanford, CA), 2-0 in a non-league match.
Next up, the Rangers clash with the Lemoore Tigers (Lemoore, CA) in a West Yosemite match, on Tuesday, September 27. Redwood will attempt to advance on its 5-3 season record.
With the loss, Hanford West drops to 4-9 on the campaign. The Huskies travel to Lindsay (Lindsay, CA) to clash with the Cardinals in a non-league match on Friday, September 23. The Cardinals come into the match with a record of 4-7. Lindsay lost 3-0 in their recent non-league match against Strathmore (Strathmore, CA)
Not a Member? Join MaxPreps now for free access to rankings for thousands of teams across all sports. IT'S FREE, IT'S FAST, IT'S EASY!


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The budget marks a big step forward for India
Make sure you're prepared in case of emergency
Join the NASDAQ Community today and get free, instant access to portfolios, stock ratings, real-time alerts, and more!
Warren Buffett Keeps Buying IBM Stock: Should You Follow Him?
3/3/2015, 5:10 pm from Motley Fool in Investing, Stocks
Source IBM Warren Buffett took a big position in IBM back in 2011, and he bought more IBM stock at lower prices during the fourth quarter in 2014. The Oracle of... Read >>
The Secret Behind My Hedge Fund Trade on Housing
3/3/2015, 5:02 pm from Money Morning in Investing, Basics
Suppose I'm the manager of a giant hedge fund. Suppose I'm soliciting you to come into my fund with a few billion of your $100 billion net worth. Suppose we're good friends. You want to come in... Read >>
Consumer Spending Declines Again: 3 Stocks to Dump Now - Analyst Blog
3/3/2015, 4:47 pm from Zacks.com in Investing, Business, Stocks
The end of the holiday season has not been particularly encouraging for the U.S. consumer discretionary sector, as consumer spending slipped in January for the second consecutive month. This... Read >>
Market Close Report: NASDAQ Composite index closes at 4,979.90 down -28.20 points
3/3/2015, 4:45 pm from NASDAQ.com News in News Headlines, US Markets
Tuesday's session closes with the NASDAQ Composite Index at 4,979.90. The total shares traded for the NASDAQ was over 1.97 billion. Declining stocks led advancers by 1.87 to 1 ratio. There were... Read >>
Wyndham (WYN) Hits a 52-Week High on Consistent Growth - Analyst Blog
3/3/2015, 4:45 pm from Zacks.com in Investing, Business, Stocks
Shares of Wyndham Worldwide CorporationWYN hit a new 52 week high of $94.36 on Mar 2. In fact, the company's share price has been gaining momentum since it posted modest fourth quarter 2014... Read >>
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Everywhere I've checked LR is 1.7/1.8 and SR is 2.2.
I get my replacements at rockymountainvapor. You have a choice of either/or.
JOYE EGO-C Atomizer Head - 5 Pack - $22.00 : Rocky Mountain Vapor, The Mountain top of Electronic Cigarettes They are comparable to ecigsplus in price after coupon code 20rocky (20% off).


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November 20, 2013 | By Michelle A. Samaad
Jeff Post, who has led CUNA Mutual Group as president/CEO of the company since 2005, announced Nov. 8 that he will retire at the end of the year.
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Outgoing CEO Post says time is right. Successor Trunzo says he plans to build on company strengths.
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Mustang Alley's open in Harbor East
Just got word -- Mustang Alley's, a new bowling alley and bar, just opened at 1300 Bank St. in Harbor East. Here is their Web site.
Anybody been there yet?
According to the site, there is a dress code(!) that bans headgear, sports jerseys and construction boots. Two questions:
1) What is headgear?
2) Can I still bring my construction hat?


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DictionaryRam•a•danPronunciation: (ram"u-dän'), Strict Standards: Non-static method FenSites::linkTo() should not be called statically in /site/html/dictionary/ramadan.html on line 73 [key] —n. Islam. 1. the ninth month of the Muslim calendar. Cf. Muslim calendar. 2. the daily fast that is rigidly enjoined from dawn until sunset during this month. Random House Unabridged Dictionary, Copyright © 1997, by Random House, Inc., on Infoplease.
See also:


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Karen Woodrich has been named Kentucky's USDA Natural Resources Conservation Service State Conservationist.
If you currently subscribe or have subscribed in the past to the LaRue County Herald, then simply find your account number on your mailing label and enter it below.
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34 Mason Jar Crafts eCraftbook
Bonus: Get our newsletter & special offers for free. We will not share or sell your email address. View our Privacy Policy
Oatmeal Raisin Cookies in a Jar
There are so many wonderful things about Christmas, and cookies are definitely among them! Make these gift jars with mix for oatmeal raisin spice cookies and give them to your friends and family for the holidays, and they'll agree.
- 3/4 cup packed brown sugar
- 1/2 cup white sugar
- 3/4 cup raisins
- 2 cups rolled oats
- 1 cup all-purpose flour
- 1 teaspoon ground cinnamon
- 1/2 teaspoon ground nutmeg
- 1 teaspoon baking soda
- 1/2 teaspoon salt
- Mix together flour, ground cinnamon, ground nutmeg, baking soda and salt. Set aside.
- Layer ingredients in order given in a 1 quart wide mouth canning jar. It will be a tight fit, make sure you firmly pack down each layer in place before adding the flour mixture.
- Attach instructions to attach to jar (see below).
Oatmeal Raisin Spice Cookies
- Empty jar of cookie mix into large mixing bowl.
- Use your hands to thoroughly blend mix.
- Add 3/4 cup butter or margarine softened, and 1 teaspoon vanilla.
- Mix until completely blended.
- Shape into balls the size of walnuts.
- Place on a parchment lined cookie sheets 2 inches apart.
- Bake at 350F for 11 to 13 minutes until edges are lightly browned.
- Cool 5 minutes on baking sheet.
- Remove cookies to baking racks to finish cooling. Makes 3 dozen cookies.
For more great jar recipes and gift ideas, check out our Mason Jar Recipes eBook.
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To view the complete video, click the Youtube link (top right hand side of the website) to get to the WILD Jaeger Youtube page.
We only offer hunts that we have already tested, and proved to be of good quality. Quality hunting experiences is in Europe are what we specialize in. You may be able to find a less expensive offer but not a better deal. Specializing in spot and stalk but can accommodate blinds and stand hunts as well, we can set you up with what we consider the best of that hunt for that game, in the European destination you choose. Contact us today to start planning your WILD Jaeger Hunting Adventure! Learn More About Wild Jaeger
The initial assessment of the scope was great for its price range; $250-$300 in America and around 399 euros in Germany. The Scope itself weighs 20 ounces / 564 grams without the lens caps and is 14" / 355mm overall in length. The Illuminated 4A plex in the scope does a wonderful job of providing just enough light in dark/starlight situations without overpowering the background.
Read More
Wild turkeys were once on the brink of extinction throughout most of North America. After many restoration efforts, the wild turkey has flourished and continues to strive throughout the United States and Mexico. In the 1900s, there were less than 30,000 wild turkeys and now there are over 7 million in North America.
WILD Jaeger is a 100% American Veteran owned Limited Liability Company (LLC) based out of New Jersey. Ricky Mills and John MacCallum are working hard to "Connect the Global Hunting Community" and in that effort opened their first Hunting and Fishing store based in Vilseck, Germany. WILD Jaeger is now an International Pro Staff representing "Made in the USA" products in Europe, a Social Media networking tool, Twitter, Youtube, Website and Store Sales (in store and .com sales). We are also a distributor of hunting products in and throughout Europe.
Here is a photo from Dale Kiser, in Kentucky. Dale hunts on public land in KY, and takes some giant buck by doing his research. Game Cameras are a big part in collecting information on the animals on your hunting lease (Revier) and then going out and harvesting them on your terms. Improve your odds this year and try out this new and innovative technique. We have MOULTRIE Game Cameras in the WILD Jaeger Hunting & Fishing Center now. Stop down and check them out.
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Copyright © 2011 Wild Jaeger. All rights reserved.


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Getting the most from Xero: our five-point checklist for the UK tax year end
The end of the 2013/14 UK tax year is just around the corner. And that means it's time to start focusing on completing those year-ends – as well as planning ahead for the new tax year.
We've put together a five-point checklist for getting your house in order before the end of March. This 'best practice' approach will help you tie up those year-ends and really get the most of out Xero in the coming tax year.
1. Speed up sign-off with your Xero client
If you're already using Xero, you'll know all about the advantages of our single ledger. Having instant, mobile access to your client's financial position really helps when you're collaborating to sign off their accounts. Take them out for a coffee – after all, with Xero Touch you don't need to be at the office. Maybe even treat them to a 'duffin' (no, we had no idea these existed either!). And if the client can't meet in person you can always invite them to a Google Hangout or Skype call, making the most of the cloud-based sharing options Xero offers.
What's important is that you have that an in-depth, open conversation about their current financial position. You can review their transactions, pick up any queries they've not resolved and run comparative reports to spot any obvious anomalies.
Mark Dawes, Tax Manager at Stern & Company underlines the importance of a good planning meeting:
"Whether you are an individual or a business approaching the end the of tax year, we believe that nothing beats a face-to-face planning meeting with your accountant or tax adviser. This enables both you and your accountant to discuss important topics such as:
Mitigating any potentially large tax liabilities
Ensuring provisions are in place well in advance so that the client can indeed afford to pay any potential tax to HMRC.
This ties in brilliantly with Xero, as having live information to hand means that we can provide accurate advice at the drop of a hat (assuming of course the bookkeeping is all nicely up-to-date!) and at tax year end this can be invaluable to the client. In short, using Xero means better forward planning for us as a practice as far as our clients are concerned."
Once you've got a handle on where the client's at, you can start planning the work that's needed before signing off the accounts.
Grant Smith, Partner at Armstrong Watson, believes in working closely with clients on the planning element:
"For businesses that have 31st March/5th April year-ends we can take a look at our clients' information on Xero and help identify clients with potential tax problems. We can be proactive with advice to ensure they purchase capital items before the year-end, make personal pension contributions if they look like they're going into a higher rate band or even contemplate a change in year-end date.
Not only is Xero is a real time-saver in the advice process it also leads to greater accuracy in the advice we give."
2. Make the most of Xero Workpapers
Completing the compliance that's required for year-ends can be challenging. You need to pull together lots of disparate data, some of which might be lurking on spreadsheets or in dusty, paper files.
Xero Workpapers is an online tool that makes that compliance process faster and smarter. Data flows seamlessly between Xero and Workpapers, so any changes only need to be made in one place. And the information you need to complete your year-ends is easily imported from Xero.
You can also work online with your clients to get review and sign-off, without the need for any paper hard copies – once you've ditched all those bulky paper files, you won't look back: trust us.
Workpapers is free for our Silver partners and makes completing your year-ends a breeze.
3. Export your files in the formats you need
Putting together year-end accounts takes time. And you don't want to waste any of that time converting data into the right file formats.
Our new export file formats let you transfer your data into the final accounts production system of choice – without the need for time-consuming conversions. That's a real time-saver when you're working on a number of different accounts and where efficiency is vital.
We've recently added export file formats for IRIS, Keytime, TaxCalc and Forbes Accounts. But we're always really keen to know which formats our partners need – so if there's a file format you'd like us to add, please drop us a line at firstname.lastname@example.com
4. Look at your training requirements
Now's a great time to think about ways of improving your overall practice knowledge of Xero. A review of your staff will highlight members of the team who'd really benefit from some hands-on training with Xero. Xero U lists all our current training sessions and our new Xero TV channel has a great selection of how-to guides which show how to get the most from cloud accounting.
Training really does help to make the most of your people, as Grant Smith, of Armstrong Watson, points out:
"Rolling out Xero has focused our staff training needs, allowing us to standardise to a greater degree the number of jobs that we receive in the same format. This will allow staff to pick up any job from any office and move it forward. This is made even easier with the recent upgrade of 'Files' made by Xero in 2013."
Getting your people certified with Xero will also help drive this knowledge forward. We're offering free certification for practice staff until the end of March, so give your account manager a call to find out more.
5. Review your client base
Reviewing your client base is also a good idea at this point in the year. With the new UK tax year starting in April, it's a great time to get new clients on board with Xero. Take a look at your client base and think about which businesses would really benefit from a move over to cloud-based accounting.
Our Partner Enablement team can help you move clients across to Xero. They're here to make the process of converting clients as painless as possible. And they've got a multitude of tools, webinars and training videos that will help you get the most from moving more clients over to the cloud.
New tax year, new approach
Planning ahead and taking action early with clients will really help to smooth the process and bring out the true value you can deliver.
Ian Woollard, Director at Pearson Buchholz, really believes in the importance of taking action early:
"Our top tip when approaching a period-end is to take action early. We can review our clients' Xero data when the period is still active, but to get the best advice from us they need to make sure their books and records are ready for review two months before. They use Xero so no excuses! We recommend to all our clients that budgeted data is entered into the Xero Budget Manager so the full year's figures can be easily ascertained well enough for us to advise.
We advise clients to arrange a ten-month review with us as they may need to consider accelerating planned capital expenditure or pension contributions, all of which requires time to arrange. So acting early really does get the best from us."
We hope we've given you some food for thought. It's a busy time of year for practices, so anything that makes your processes quicker, more efficient and more thought-through have to be welcome.
So, talk to your clients and find out what help they need to complete those year-ends. And make the most of the tools and training that Xero and Workpapers can offer when working in tandem.
Read more about Accountants, Accounting, HMRC, Tax
2 comments
Thanks Xero, really useful info and your software has really helped to transform our back office !


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SMITE World Championships LIVE January 9th to 11th
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