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With just under two months before 25th May, consumers are seeing a plethora of re-permissioning emails hit their inboxes. Some work (very well), others down right fail.
In this article our General Counsel, Julian Palmer, considers what it takes to make sure your re-permissioning campaign (to send future marketing campaigns) works first time.
Look at your data
Any good business knows who its best customers are, how often they interact and the amounts they spend. At the other extreme, the business may almost certainly have a group of customers that they are not sure where they got the contact details from.
You could consider categorising your customers as demonstrated in the table below, or via some other classification. The aim is to grade the quality of the consent that the customer gave – you should have already considered whether you need consent in the first place in sending marketing emails.
There will be a natural anxiety about deleting data, but you have to consider that you may well be in breach of the current laws if you continue to hold it. The current directive on ePrivacy makes it clear that consent is required to send unsolicited marketing emails (except in one case, which I discuss in our No Nonsense Guide to GDPR) . Consent being "any freely given specific and informed indication of his wishes by which the data subject signifies his agreement to personal data relating to him being processed."
You have to have the mind-set that you may be asked to prove you have consent.
- It follows that if you have no idea where you got email@example.com from, you should stop processing that address, irrespective of the fact that you know that she opens your emails and has not marked them in her inbox as junk.
- It also follows that you cannot send unsolicited marketing emails to someone who, for example, has given you his/her email address simply for you to email to them the receipt of their in-store purchase. Clearly, you had consent to send the receipt, but not subsequent marketing emails.
- When it comes to email addresses that have been supplied by a third party, you will have to consider the quality of the warranty given when you bought the data, along with any supporting evidence of consent.
- GDPR makes it clear that consent given as part of the terms of the sale of goods or services is not consent that can be freely given. As a consequence you will have to obtain fresh consent before 25th May.
- GDPR has a wider definition of consent, meaning that pre-checked boxes are out from 25th May. This is because there has to be an 'unambiguous indication' of your customer's consent and a pre-checked doesn't give the necessary affirmative action.
- Even the 'platinum' customers may not necessarily be marketed to after 25th May!
Let's just take that last point first. Recital 171 says:
"Where processing is based on consent pursuant to Directive 95/46/EC, it is not necessary for the data subject to give his or her consent again if the manner in which the consent has been given is in line with the conditions of this Regulation, so as to allow the controller to continue such processing after the date of application of this Regulation."
Read very narrowly, this recital (an official comment on the Regulation, but not the law itself), could be saying that only the mechanism by which a person gives consent has to be in line with the requirement of GDPR, i.e. the indication by the customer – through, perhaps, checking a box or providing an email address. Is that what is meant by "the manner"? Most legal commentators have construed the term more widely, in the context of retail, taking the view that since there is prescribed information that must be brought to the attention of the customer at the first point of collecting the customer's data, any past consent – even from 'platinum' customers – needs re-permissioning.
Getting granular with your segments
Once you have decided which groups of customers you are going to take forward for re-permissioning, you should then look at their interactivity with your business and your marketing. Basic granularity is, probably, as simple as classifying your customers as follows:
- Opens emails and regularly buys
- Opens emails and infrequently buys
- Opens emails and clicks through to browse items
- Opens emails – no activity
- Receives email – no activity
- No activity after 6 months
- No activity after 12 months
- No activity after 18 months
Again, what you are working through is deciding whether a person – even one who has previously bought from you – has had periods of interactivity.
Once you have worked through this classification, best practice (i.e. least risky) is to undertake a phased re-permissioning campaign starting with, in this case, platinum + opens emails and regularly buys.
Avoiding a penalty
Much of the purpose of the foregoing processing is to ensure that if you go for a re-permissioning campaign you do not fall foul of the current law as happened with Honda and Flybe, resulting in fines of £13,000 and £70,000 respectively.
Getting prepared for re-permissioning
You will get one crack at getting re-consent. Customers are simply not going to keep giving consent. It has long been recognised that there is consent fatigue amongst consumers – just look how most customers handle cookie consent.
- Consider what consents you want – email marketing, social media tracking, cookies.
- Write a well written privacy policy.
- Have a simple mechanism for obtain affirmative consent.
- Time stamp the consent – so that it can be linked to the privacy wording, cookies policy and any other terms you publish at the time of obtaining consent.
Writing a privacy policy
A central plank of GDPR (and the current laws on data protection) is that individuals are told what information is collected, the lawful ground for processing, the rights of individuals under GDPR, the data protection authority that individuals can complain to, along with details of who the retailer shares data with and whether the data is processed outside of the EEA (I.e. outside of the EU, Iceland, Lichtenstein and Norway).
Examples that go a long way to offering the type of information and clarity that is required by GDPR include:
What each of these policies do well – especially ASOS and Jimmy Choo – is set out their policies in an easy to read style. In the case of ASOS it enforces the message that what the customer tells ASOS is ultimately controlled by the customer. It is quite an ambitious message, because GDPR does not give individuals many absolute rights – some are balanced against the needs of the retailer to comply with national laws, for instance. Nevertheless, the essential requirements of a well written privacy policy (under GDPR) have been covered off, namely they have addressed the following questions:
- Who are we?
- Company name
- Registered address
- Trading address
- Contact email: data@ type address
- What type of data do we collect?
- Why do we need the data?
- Ordering
- Making the customer's experience better - cookies, profiling
- What do we do with the data?
- How long will we keep the data?
- Consider granularity
- Explanation of customer's rights:
- Correct the information we hold
- Object to processing
- Restrict processing
- This will come down to how granular your use is
- Erasing data
- Porting it to third parties
In writing your policies, you should:
- Avoid legalese – your customers are not all lawyers. Of course, some words are going to be words of art – cookies, data controller, EEA for instance, but avoid horrible words such as "hereinafter" or "aforesaid".
- When describing the type of information that you collect, don't forget the types of data that is collected by your email marketing solution, such as Ometria – such as IP addresses, metadata and data added through profiling.
- Use short sentences, avoiding the passive voice and use bullet points when providing lists (see Jimmy Choo).
- Make sure that you future-proof your policy so that it covers the business' future plans.
- Consider using a layered approach, with a short and simple statement highlighting the key points, behind which sit more detailed layers. One of the best examples – though from the States – is Proctor and Gamble, where you have a notice, which links through to a more detailed privacy policy.
So now that you have seen a few good examples – and there are bound to be others in the coming weeks and months – you might be thinking that you can just rip the best of them off by replacing their business and contact details with yours. Privacy policies, cookie policies and terms and conditions are, like many documents, subject to copyright law. There are civil and criminal penalties for infringement.
What do you do if you cannot copy someone else's policy and you do not want to see a lawyer? You have a couple of options. We don't make any warranties as to the quality of these documents and it will be for you to come to your own decision on whether to use them or not, but you can find privacy policies that have been written to take into account GDPR at:
The templates come with guidance and also a level of legal support.
An alternative that we have found is a firm in Germany offering this platform, which is quite good because it generates the policy from a series of questions. The policies are generated in English (or German).
The point to recognise though when using such options, is that you are expending management time on creating your documentation, which may be better spent on retail marketing and sales.
And finally, just a word of warning….
If you are going to be gushing about how you care about customer privacy and security, bear in mind that such sentiments will come back and haunt you if you have a data breach and a class action subsequently follows.
Getting your re-permissioning email right
The last thing you want to do is send out a re-permissioning email that is wrong, so the essential elements are:
- Have something that the reader has to check or click
- Think about your consents, terms and conditions etc – make sure that they are hyperlinked and to the right version
- Have a good pitch to encourage the call to action
- Have a stick – no more fantastic emails from you after, say, 1st May
- Have an unsubscribe link – it's still an unsolicited marketing message
Spot what's wrong…


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Part 3 of a Series
When I was in Heidelberg, Germany, I gazed at the huge ruin of the Heidelberg Castle, described by Mark Twain as follows: "...with empty wi ... Read More
Our guests on this show were Oceania Cruises and Norwegian Cruise Lines. Click here to listen to this week's podcast. ... Read More

subset: commoncrawl


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Where the Young and Tech-Savvy Go
What can Foursquare tell us about how people live? The location-based social network, which lets people "check in" to places using their mobile phones, has about 8 million users and is used more than 1.5 million times a day world-wide. But a survey last year showed that fewer than 5% of Americans had ever used Foursquare or its rivals, and only about 1% used such a location-based service on a daily basis.
To learn about where people go and what they do on Foursquare, Digits collected every check-in on the service for a week earlier this year, via the Foursquare "firehose." And what did we find? Broadly: The top individual spots are places like malls, airports and train stations, because so many people filter through those locations. But the top categories are homes, offices, coffee shops and bars, even though each of the individual locations in those categories gets a very small number of check-ins. It's unclear from the Foursquare check-ins themselves how old users are, or what their other demographic characteristics might be (except for gender, which we discuss separately). But Foursquare users tend to be young, tech-savvy and socially active, said Naveen Selvadurai, one of the co-founders of Foursquare Labs Inc. A survey last year showed that fewer than 5% of Americans had ever used Foursquare or its rivals, and only about 1% used such a location-based service on a daily basis. Mr. Selvadurai said Foursquare's user base has been determined in large part by the people who first developed the company, which is headquartered in New York City. "In the early days it was a reflection of us and who we hung out with," he said. "It spreads from friend to friend, from that inner circle to that outer layer."


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Apple's event on Tuesday has brought a "great surf news". The truth is that Apple struck with a major renovation that has been interpreted as an aggressive response to its competitors. So, today we have a new iPad, the iPad mini, MacBook Pro 13-inch retina display, new Mac Mini and a redesigned iMac.
We want to know your balance of the event that took place yesterday in the Californian city of San José: I convinced the keynote? If the answer is yes, what was the product that I noticed, the more you liked or that you would buy? You can choose more than one answer at a time and check the results.
In our next podcast will analyze your vows.
More information- Special Podcast: Apple 2012
Article Poll of the Week: What was the product that you liked the presentation of Apple? has been originally published in News iPhone .


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Free Valentine's Card Colouring Download
Spread the love this Valentine's Day and teach the kids the beauty of making something with love. We've got a free downloadable valentine's card that they colour in and decorate however they want (we recommend lots of glitter and pompoms!), then give to their favourite person!
Free Valentine's Card Colouring Download
Print off the below download, colour and decorate, then fold in half and write a message inside.


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Do you offer case discounts?
Yes, 10% off on cases of wine (can be mixed) and 10% above cost on any single brand and size case of spirits.
Do you pair white wines only with fish and red wines only with
Yes and No. As a general rule this can be accurate, but the main rule is to make sure your wine does not overpower your food and vice versa. White wines are ideal with seafood, but some lighter style reds can work very well here. Big, bold reds always work better with hearty and meaty dishes. Just come in or call and ask.
Do you have wine glasses and champagne flutes available for use at large events?
Yes. We will loan you glasses at no charge for parties from 10 people to 1,000 people. Just call to reserve them. (NOTE: there is a fee for glasses that are broken or lost.)
If I am hosting a large event, can you assist me in choosing appropriate brands and quantities for the bar?
Yes. Just call us or drop in with the details of your event. We will guide you through the planning.
Do you deliver?
Unfortunately, it is against Mississippi State law for us to deliver to non-permit holders.
Can you hold wine tastings at your store?
No, state law prohibits such events. However, our sommeliers will be glad to help you plan private wine tastings or wine dinners held at your home. Just ask.
Where are all of the fish?
They retired with Mike and Albert ; )


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Mark Gibson directs this quirky comedy about golf, drunks, and divorcees. The film focuses on pro-golfer and ex-con Lionel "Ex" Exley (Campbell Scott), who comes to New Orleans in search of his golf clubs. He soon finds himself consorting with decadent upper-crust types, such as alcoholic lawyer W. Firmin Carter (Jared...more
All Lush cast + crew photos
Movies.com, the ultimate source for everything movies, is your destination for new movie trailers, reviews, photos, times, tickets + more! Stay in the know with the latest movie news and cast interviews at Movies.com.
Copyright © 2019 FANDANGO MOVIES.


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A brief
After my training in Milan, in the early eighties, I arrived in the UK in 1985 and began to work as a freelance in Norwich, where I ended up basing myself and my business ever since. These are a few samples of recent projects I have completed. Whatever your design needs are, I would be very happy to discuss them with you and help you create a memorable solution.


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Fermanagh Area Plan 2007
Social Base: S1 Settlement
|S1 Settlement
|The Department will facilitate appropriate development within the existing dispersed settlement pattern of Fermanagh; which comprises towns, villages, dispersed rural communities and the countryside.
This part of the Fermanagh Area Plan 2007 contains the following sub-sections on Settlement:
- Towns
- Villages
Fermanagh has a large number of small and medium sized settlements scattered throughout the rural area, 39 of which have been identified as villages. These are:- Ardess, Arney/Skea, Ballinamallard, Ballycassidy/Laragh/Trory, Belcoo/Holywell, Bellanaleck, Belleek, Brookeborough, Carranbeg/Rosscor, Carrontremall, Carrybridge, Church Hill, Clabby, Derrygonnelly, Derrylin, Donagh, Ederney, Florencecourt/Drumlaghy, Garrison, Kesh, Killadeas, Killesher/Derrylester, Kinawley, Lack, Letterbreen, Lisbellaw, Lisnarick, Magheraveely, Maguiresbridge, Monea, Mullanaskea, Newtownbutler, Pettigoe/Tullyhommon, Rosslea, Springfield, Tamlaght, Teemore, Tempo and Whitehill.
- Dispersed Rural Communities
- Countryside


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December 27, 2014
Video: Forex Trading Outlook for the Week of December 29, 2014
The dollar heads into the last week of the year on a firm note and should stay suppirted on dips into the New Year. However, liquidity is thin and month/quarter/year end comes out mid-week, ahead of what will be extended weekends for many. This will leave those carrying positions at the mercy of year end flows but any dollar dips, should they occur, should be seen as buying opportunites. See the following video for my trading outlook and key levels to watch. (note EURUSD 1.22 has traded 4 days in a row)
December 26, 2014
A Warning about Trading Over a Weekend
Independent traders have limited capital and protecting that capital is a key to "living to trade another day." This is a term you will often hear when discussing prudent money management and protecting your downside. This is especially true when holding positions over a weekend as you can run into situations where your stop gets executed by your forex broker far from the level you placed it at.
December 20, 2014
Forex Trading Outlook for the Week of December 22, 2014
This is a hard week to make a call given the time of year but the market had its chance to squeeze out the weak hands and failed to follow through on retracements. This setup the weakest close for the year in the EURUSD and has this currency setting sights on my 1.2040 long standing target. The immediate obstacle is 1.2200 as I explain in the following video update:
December 21, 2014
Correlation Trades - December 21, 2014
Price Linkages
From my very start in finance in 1972, I've always been fascinated with the relationships of separate markets to one another. As traders we are always looking for a leg up by working a little harder than others. We also want to keep from getting blindsided by developments in parallel markets. One thing I publish daily is a correlation table daily on www.global-view.com. It is free under Premium Trading Tools for those who are registered for the website. I run the correlations in a short four-week time frame to pick up changes in relationships as they are developing.
Latest Correlation Plays
The latest one (starting in early
December 18, 2014
Australian Regulatory Action vs, IB Brokers
We have been reading reports that ASIC (Australia Securities and Investment Commission) has directed Interactive Brokers LLC (IB) to pay back roughly $1.5 million in fees and commission payments to its retail margin lending customers.
December 18, 2014
Beware of Trading Illiquid Currencies
The experience with the Russian ruble (RUB) recently should be a stark reminder of the dangers of trading in an illiquid market. Not only can volatility spike and spreads widen to make a currency untradeable, but you also risk losing your liquidity provider. This happened this week when two forex brokers that we know of (there may be more) stopped quoting USDRUB. There is a good lesson to be learned from this experience and as I will explain, it goes beyond the USDRUB.
December 17, 2014
Video: Forex Trading Tip: When Trading Against a Trend Don't Overstay Your Welcome
Many traders treat both sides of the market the same way, whether trading with a trend or contra (i.e. against a trend). Many traders like to fade moves and trade against a trend. This is often referred to as contra trading. When trading contra, you need to be faster to take profits than when trading with a trend as I will explain in the following video:
December 15, 2014
ALERT: What to Expect in Yearend Trading
Yearend markets often follow a typical path but this time it has been complicated by the plunge in oil prices. This has forced global markets into a risk off mode, which has seen book squaring start earlier than usual. What is a typical year end market then and will it repeat this year?
December 13, 2014
Video: Forex Trading Outlook for the Week of Dec 15, 2014
The dollar enters the week the last full trading week of the year on a mixed note as the plunge in oil prices has spilled over to other markets and created a risk off sentiment. Where you need to be wary is this is typically a time of year that sees book squaring and it has started a week earlier than usual. On the other side, this comes at a time that should be a perfect storm for dollar bulls,.
December 14, 2014
Year End Price Volatility - December 14, 2014
Daily Ranges Wider
For the past couple of years, traders, brokers and others have been bemoaning the lack of forex volatility. There is an adage about being careful what you wish for. The table below illustrates how forex volatility has picked up in the past few months. This has been mostly a return to more "normal" levels from an extended period of stability. Forex prices usually move in response to imbalances and now that economies are unevenly starting to emerge from an extended period of low growth forex markets are back in action.
December 09, 2014
EXCLUSIVE: How to Trade a Liquidating Market
I wrote an article on liquidating markets in April with a follow up in October, Given the current price action, this is worth repeating as liquidating markets are different animals and have to be treated as such. One of my forex trading tips is to identify the market and when it goes into a liquidating mode you need to adjust accordingly. See how to trade in a liquidating market.
December 10, 2014
What Happens to the EURUSD if Draghi Resigns?
Differences between ECB president Draghi and Germany have erupted into an open rift. This has raised questions whether the ECB will be able to deliver on QE, which most expect to happen in the first quarter of 2015. It raises the question whether Draghi can continue to lead the ECB if he cannot get his policies, which most assume to include QE, approved. It also raises the question, how would the EURUSD react if Draghi resigned.
December 08, 2014
Video: Forex Trading Outlook for the Week of December 8, 2014
The dollar enters the week on a firm footing with the strong U.S. November employment report giving it a boost, led by a USDJPY breakout above 120. The theme of diverging economies and monetary policies continues and should continue to provide underlying support for the dollar. See my outlook for the week ahead in the following video update:
December 07, 2014
ECB in Disarray - December 7, 2014
Who's in Charge?
ECB President Draghi disappointed the markets Thursday after the ECB policy board meeting with nothing New to announce on actions to stimulate growth in the Euro-area. There is no other major central bank in the world that would have dragged its feet for so long before acting. The problem is the structure of the ECB which is appears to be designed for inaction, because it operates on the basis of consensus decisions. Another problem is the disproportionate power Germany wields relative to the other "equal" nations in the collective. For example, we doubt that Greece has the same veto power over ECB decisions that Germany has. The divide within the central bank broke out into the open on Friday. Let's face it, the "one
December 04, 2014
Video: Forex Trading Tip: When to Fade a Correction or Counter Trend Move
This week I have focused on trading strategies in our role as a trader advocate as the more you understand why markets move so you can put the price action in perspective, the more confidence you can have when putting on a trade. I posted a follow up article with charts and a video on Why Retracements Work and How to use Them to Trade, which proved to be very timely. Today I am following up with a video forex trading tip on when the odds favor fading a correction.
December 02, 2014
Why Retracements Work and How to Use Them in Your Trading
Understand why markets move and it should increase your confidence when you put on a trade. One of our role's as a traders advocate is to pass on insights that we feel will help our members in their trading journeys. In this regard, I am updating a follow up article + video I posted three weeks ago as the price action over the past two days makes this trading tip a very timely one. As you will see, this trading tip played out like a blueprint.
December 01, 2014
Thoughts from the Forex Trenches
In the Decmber Issue
- ECB QE: When, Not If, But?
- Video: Forex Trading Outlook for December, 2014
November 30, 2014
OPEC Becomes Relevant Again - November 30, 2014
No Change in Oil Supply Levels
It was not unexpected last week, but the markets reacted strongly to the OPEC decision to keep its production levels steady. OPEC complained that it has not been behind the increase in global oil supplies, but seemed to be complaining that producers such as Russia and North American producers are not about to cut their production to support OPEC producers.
Saudi Arabia clearly send a message to OPEC and others that they are not prepared to cut production on their own to support the industry. Their goal seems to be to put pressure on the high cost producers in the medium term. In the short term, that only means that oil prices should fall. This should be a global economic stimulus.
November 25, 2014
A Thanksgiving Trading Tale
One of my forex trading tips is not to be complacent, which is easy to do in a week like this where the U.S. Thanksgiving holiday is not generally one when big bets are made. You can already see forex traders resigned to a holiday week where many in the US take an extended break. This does not mean you should not stay alert as I will explain in this Thanksgiving Tale.
November 25, 2014
Video: Forex Trading Tip: Path of Least Resistance
I am always on the lookout for whatever information i can gather that puts the current price action and the market in perspective. One way I do this is by what I call looking for the Path of least Resistance. This is one way to build confidence in a trade as I explain in this forex trading tip.


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Swissvita Micrite 3D All Use Anti-Spot Serum (15g/ 0.53oz)
How To Use:
Place a small pearl size of Anti-Spot Serum and gently smooth over face and neck,
avoiding delicate eye areas.
Apply in the morning and evening.
✨ Dark spot/ age spot/ acne spot corrector
✨ Restore skin's luminosity and reduce dullness
✨ Target uneven skin tone and discoloration
✨ Regain flawless and brilliant skin
🌸 Non-greasy, water based
🌸 Paraben-free
🌸 Alcohol-free
🌸 Fragrance-free
Texture: ★★★★☆
The serum is not watery even though it is water based.
As you can see from the picture above it can form stiff peak.
Although it has been featured as non-greasy, i think it was quite creamy and a little sticky to me.
Fragrance: ★★★★★
As the claim mentioned, it is fragrance-free. I always like skincare that is fragrance free!
If I Like It? ★★★★☆
It was creamy at first when I squeezed the serum onto my hand and it was actually quite concentrated.
Surprisingly, when I put it on my face I felt minty, chill, and fresh.
I like that it came in a small tube, which was easy to carry around.
The only part that I don't like is that the serum is a bit oily for me,
because of its high concentration.
But, if is just a tiny amount, the creamy part doesn't stop me from applying.
because of its high concentration.
But, if is just a tiny amount, the creamy part doesn't stop me from applying.
So overall I would still recommend to try if you have those stubborn spots.
Using only a tiny pearl size of serum, I spread them across the area where I have the spots.
What's the best part?
💕 The serum contains AC-11 (a type of herb from the Amazon rainforest) that ease absorption into the skin to achieve soft, supple, and youthful-looking skin.
💕 The serum is suitable and safe for all skin types. It is suitable for people with sensitive skin.
💕 This product comes in an aluminum sealed package that reduces the risk of contamination and able to maintain the effectiveness of the ingredients.
How much is it? Where can you get it?
It is RM130 per tube (15g).
It is available online at Allyoung.my Website => Link Here
More info (Clink into the link):
Facebook: Swissvita Malaysia
US website: https://swissvita.us/
Purchase link: ALLYOUNG


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Birthday Story
June 29, 2012
I'd been wracking my brain to figure out what Adrian's 4 year old Birthday Story should be. Adrian, our grandson, still asks for his 3 year old Birthday Story that I told him last year, which was an adaptation of an old classic by Marjorie Flack, Ask Mr. Bear. It's the story that I've used for 40 years with preschoolers on their special days, and it's always been a hit. In fact, that's the problem: how could I do better than this one? This is the one I've always used, and I just didn't have another one that seemed to be as good. Certainly there are other classics to tell, but none fit with a birthday theme. I went to the library to get inspired, and read several, but they weren't just right. Then I posted on facebook, asking my librarian friends for ideas. I thought about each of those that were suggested, but they didn't seem like quite the thing either. As I was swimming my laps today in the college pool, I went over an original one in my head called "The Big Mistake" – because I HAD made a big mistake with his 4 year old birthday, so it would be a true one, and it had had a happy ending, so I thought that one might do.
Last Sunday was his 4 year old birthday party for his school friends. It was in Philadephia (where he lives), at a wonderful play place in Fairmount Park, and I soaked in every detail. But I'd thought I might have to miss it because of the mistake I had made. (I had scheduled myself "in" at the B&B and our neighbor, who usually subs for me, couldn't fill in for me. So I thought David would have to go to the party without me. Aaugh! What was I thinking??) I finally realized that another friend could rescue me, which was what happened, so I got to go after all. So…this year's Story could be about that. When I'd told Adrian that I had made a Big Mistake, it had made a big impression because he'd said very solemnly, "I make many mistakes," so I thought it might be a good topic, and one that would highlight the solution: that love fixes ALL mistakes.
And who knows? He might just remember the point when he really needs to.
"Though Precious Auntie had been gone for all these years, I still heard her words, in happy and sad times, when it was important." (The Bonesetter's Daughter, Amy Tan, 2001, p 295.)


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Semiconductors are everywhere. As electronic devices proliferate, the companies that make semiconductors continue to prosper. In fact, they are among the most successful companies in the world.
Because semiconductors are hidden away in phones, tablets, and computers, many semiconductor companies are relatively unknown. They quietly do business with companies that manufacture devices. The names on our top 10 list may not be known to everybody, but they are giants in the industry.
On the other hand, some semiconductor companies are household names. They spend millions of dollars on advertising to make the public aware of who they are.
We selected the top 10 semiconductor companies based on sales. It should be noted that sales are not identical to revenues. Whereas a company may have revenues from sources that don't include sales of its products, sales are derived from exchanges with customers. All figures are current as of April 18, 2017.
1) Intel
Sales: $56.31 billion
Intel Corp. (INTC) is an integrated device manufacturer that designs and manufactures motherboard chipsets, network interface controllers and integrated circuits. The company is headquartered in Santa Clara, Calif., and was founded in 1968 with $2.5 million in funding arranged by American venture capitalist Arthur Rock.
Intel's initial products were memory chips, including the world's first metal oxide semiconductor. Intel's introduction of the Pentium microprocessor in 1993 helped spur a significant expansion of the PC market. Intel supports processors for computer companies such as HP and Dell.
Revenues have risen from $13,702,000,000 to $16,374,000,000 over the past four quarters. During that same period, operating income rose to approximately $4.5 billion from $2.6 billion. This indicates that Intel is keeping expenses in line. If increased revenues were not producing more income, that would indicate the cost of sales is rising too fast.
Wells Fargo rates the stock as an "outperform," and the consensus is that the stock has room to rise. In addition to the potential for capital appreciation, the stock pays a 3.09% dividend.
2) Samsung
Sales: $43.54 billion
Samsung is actually made up of about 70 companies. Samsung Electronics makes mobile devices such as smartphones, and it manufactures television sets and appliances. The company also creates semiconductors.
Revenues continue to rise for this stock, and a glance at the past four quarters shows that the rise is steady
3) Taiwan Semiconductor
Sales: $29.32 billion
Taiwan Semiconductor Manufacturing Company (TSM) claims to be the world's largest dedicated independent pure-play semiconductor foundry. Pure-play foundries only fabricate integrated circuits and do not have any in-house design capabilities. Many leading semiconductor companies outsource the manufacturing of their components to Taiwan Semiconductor to cut labor costs while investing capital in research and development.
This company has reported higher revenues in each of the last four years and operating income has been up for each of those years.
The stock pays a 2.95% dividend. Note that the stock price is currently at the consensus target price, so this may be a dividend play rather than a capital appreciation play.
4) Qualcomm
Sales: $15.44 billion
Qualcomm, Inc. (QCOM) designs and markets wireless telecommunications products and services. Telecommunications companies worldwide use Qualcomm's patented code division multiple access (CDMA) technology, which has played an integral role in the development of a single international standard for wireless communications.
This stock has a hefty 4.32% dividend. Revenues have been flat over the past four years, and operating income has dropped. However, the dividend appears to be safe, so this is a stock for income-driven investors.
5) Broadcom
Sales: $15.33 billion
Broadcom (AVGO) was the source of major news when it was purchased by its rival Avago for $37 billion in 2015. Their products serve four primary markets: wireless communications, enterprise storage, wired infrastructure and industrial. It manufactures semiconductor devices and analog devices and provides interfaces for computers' Bluetooth connectivity, routers, switches, processors and fiber optics.
Revenues are fairly flat for the past three years, but operating income has almost doubled. Its management is clearly doing something right. With a 1.93% dividend, this stock is a steady investment for the foreseeable future.
6) SK Hynix
Sales: $14.23 billion
This company makes and sells semiconductor products. It also is involved in automobile electronics, storage, and computing solutions. The company is based in South Korea.
SK Hynix reported a 574% rise in April-June 2017 profit to 3.1 trillion won ($2.8 billion), according to second-quarter financial reports.
7) Micron Technology
Sales: $12.84 billion
Micron Technology (MU) markets semiconductor products on an international basis. Its products are used in computers, consumer electronics, automobiles, communications, and servers. It creates flash products and rewritable storage solutions.
8) Texas Instruments
Sales: $12.35 billion
Texas Instruments Inc. (TXN) designs and fabricates semiconductors for manufacturers worldwide. The company is a major manufacturer of chips for mobile devices, digital signal processors and analog semiconductors, and still manufactures the product it first became widely known for: calculators.
Texas Instruments started out as an oil and gas company in 1930, then focused on defense systems electronics in the 1940s. The Dallas-based company entered the semiconductor business in 1958 and now has more than 40,000 patents in electronics. The company's income, revenues, and cash flow have been consistently higher for the past three years. The stock pays a 2.57% dividend.
This is a steady company in an industry that can have dramatic ups and downs. Analysts view this as an income stock.
9) Toshiba
Sales: $10.92 billion
Toshiba (TOSYY) manufactures consumer products such as televisions PCs and tablets. It also creates systems for industrial companies, railways, security firms, broadcasters, and even elevators.
Toshiba's four-year revenues are down, and its income has dropped. On the other hand, its cash flow is positive, and the company is keeping a lot of cash on hand. This could fuel future growth.
Sales: $9.5 billion
NXP Semiconductors (NXPI) manufactures semiconductors for radio, audio and power applications. It creates sensors, controllers and connectivity devices. It is based in the Netherlands.
Revenues are up for the last three years and net income is down. That is because the company has dramatically increased its spending on research and development. Watch this one see if that expenditure pays off.
The Bottom Line
Semiconductors are a significant part of modern life that the average person probably doesn't think about them much. However, they are vital to everything from getting to work (automobiles, elevators, stoplights) to communicating with customers, friends, and family (computers, phones, tablets). As the internet of things becomes more of a reality, every imaginable product will have semiconductors inside to enable communication and networking.
The top 10 companies that made our list survived a year (2016) when semiconductor sales dropped 6%. The top three companies on our list managed to increase sales. The long-term outlook is arguably bullish as more people get internet access. Only 40% of the worldwide population currently has internet access, and as that percentage increases, semiconductor companies will continue to find new customers and explore new world markets.


text: I think history is continuous. It doesn't begin or end on Pearl Harbor Day or the day Lyndon Johnson withdraws from the presidency or on 9/11. You have to learn from the past but not be imprisoned by it. You need to take counsel of history but never be imprisoned by it.


text: My Driving passion as a Little Boy was that I wanted to be Santa Claus But Instead JESUS HAS GIVEN ME HIS POWER to be a Professional CHRISTIAN Writer , Author , Photographer , Graphic Designer , Tutor , Printer And Book Publisher . I also know Mac And PC and I used to work for Compaq Technical Support . I also have been given POWER FROM JESUS to work for two newspapers and an advertising agencies and I am also a member of good standing in the PICABOO PROFESSIONAL PHOTOGRAPHERS and a member in good standing of THE WEDDING WIRE . I can also teach you publisher and Powerpoint and as so far JESUS HAS ALSO GIVEN ME POWER TO WRITE 15 CHRISTIAN BOOKS SOME AT http://www.lulu.com/spotlight/douglorn. WHOEVER GETS THE SON GETS EVERYTHING .


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posted on here | lookbook
This is one of the Back to School look i put together and featuring Hickies Laces. I wanted to look very casual and yet stylish at the same time when coming back to school without wearing too much out there. I think this Varsity Jacket is a perfect statement. Other than that, This Hickies Laces are a must have because they are amazing. It's a perfect replacement to the old school knotted laces. I chose my converse because we all know how hard to loosen and tie up the converse shoe laces all the time. Thank you so much Colin for sending these out for me to try out. If you want to know more about it, check it out here at hickies It is one of a kind shoe elastic laces ever invented.
what i am wearing | Jeans by Levis, Shoes by Converse, Tank by Boy London,
Varsity Jacket from BO, Shoes Laces by HICKIES, Bowler Hat from Virginblak


text:
News – I've gone APE
I've been invited to join "The APE" an online gallery selling a select group of photographers work as limited edition archival prints. Check out the site here.
The Affordable Photography Emporium, or just the APE as we like to call it is a new venture set up by photographers for photographers to sell beautiful limited edition prints at an affordable price.
We thought that money shouldn't be a hinderance to quality or choice so everything on our site is priced at very reasonable amounts.
To keep things simple all our photographers' work is uniformly sized and priced so once you know how much you want to spend all you have to do is decide what type of photography you want to spend your money on.
We have everything from famous musical icons through to stark haunting landscapes and we're always on the lookout for new talent too so if you don't see something right away that really knocks your socks off then keep checking back every once in a while and you're bound to find the perfect piece sooner or later.


text:
Lady Tiger Forward Tia Wooten Earns adidas® OVC Player of the Week
NASHVILLE --- Tennessee State University redshirt junior Tia Wooten was named the Ohio Valley Conference Co-Player of the Week on Tuesday for her performance last week.
Wooten led TSU in scoring in the season opener against the University of Memphis with a career-high 33 points. The 6-0, Forward also hauled in 11 rebounds for a double-double.
The Memphis, Tenn. native shot 60 percent from the field (12-of -20) and knocked down 9-of-12 from the free-throw line. She also had one steal and one block in the contest.
Earlier in the week, Wooten was named the Ohio Valley Sports Madness Player of the Week. The award marks the first OVC Player of the Week honor of her career.


text:
Strategies level 7
Tham khảo sách 'looking side: building vocabulary skills and strategies level 7', ngoại ngữ, anh văn giao tiếp phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả
145p kennybibo 10-07-2012 173 72 Download
Tham khảo sách 'reading comprehension - skills & strategies level 7', ngoại ngữ, kỹ năng đọc tiếng anh phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả
146p thuchi37 05-12-2012 90 36 Download
Chapter 5 - Business-level strategy: Creating and sustaining competitive advantages. After reading this chapter, you should have a good understanding of the following learning objectives: The central role of competitive advantage in the study of strategic management, and the three generic strategies: overall cost leadership, differentiation, and focus; how the successful attainment of generic strategies can improve a firm's relative power vis-à-vis the five forces that determine an industry's average profitability;...
16p tangtuy16 02-07-2016 19 2 Download
Chapter 6 - Corporate-level strategy: Creating value through diversification. The learning objectives for this chapter include: The reasons for the failure of many diversification efforts, how managers can create value through diversification initiatives, how corporations can use related diversification to achieve synergistic benefits through economies of scope and market power,...
15p tangtuy16 02-07-2016 14 2 Download
In effective English language arts classrooms at all grade levels, students are actively engaged in reading a variety of literary and non-literary texts. By reading imaginative, expository, and informational texts of increasing complexity, students gain an understanding of the elements and structure of different genres. The standards of this strand outline the reading skills and strategies as well as the literary concepts and vocabulary that enable students to comprehend and appreciate high quality reading materials. General Standards 7 and 8 outline basic reading competencies.
140p lulanphuong 22-03-2012 62 12 Download
Drupal is one of the most popular web content management systems. It powers a number of today's websites and is a solid choice for many businesses that want to create a compelling online presence. On today's Web, when noise and competition are at their highest levels ever, simply having a great site isn't enough. If you want to be competitive online, you have to have an appreciation for search marketing you need fluency with the skills and strategy behind search engine optimization. Drupal provides only limited SEO functionality straight out of the box.
116p hotmoingay3 09-01-2013 70 10 Download
Practicing Organization Development (A guide for Consultants) - Part 7. Organization development (OD) is about planned change. As change has turned into the only constant, many managers and other people are pursuing change strategies with vigor. OD is a major strategy for leading and managing change at the individual, group, intergroup, organizational, interorganizational, and large systems levels. This book is about what it takes to be an effective change manager, change leader, and OD consultant....
10p pretty8 22-09-2010 66 8 Download
The Pesticide-Induced Diseases Database, launched by Beyond Pesticides, facilitates access to epidemiologic and laboratory studies based on real world exposure scenarios that link public health effects to pesticides. The scientific literature documents elevated rates of chronic diseases among people exposed to pesticides, with increasing numbers of studies associated with both specific illnesses and a range of illnesses.
12p yasuyidol 02-04-2013 31 4 Download
This lecture introduces you to strategic management. This chapter includes contents: The concept of strategic management, role of competitive analysis in strategy formulation, formulating corporate level strategy, formulating business level strategy, formulating functional level strategy, strategy implementation.
32p tangtuy04 16-03-2016 28 4 Download
Synchronizing Gender Strategies: A Cooperative Model for Improving Reproductive Health and Transforming Gender Relations
Weight loss procedures are being performed more frequently to treat morbid obesity, with a six-fold increase over a recent 7-year time span; almost half of patients are women of reproductive age. The level of evidence on fertility, contraception, and pregnancy outcomes is limited primarily to case series and case reports. The evidence suggests that fertility improves after bariatric surgical procedures; however, data are too sparse to reach definite conclusions about the degree of improvement in fertility that is achieved.
40p thankinhphanliet 21-12-2012 25 2 Download
After reading this chapter, you will be able to: Define management and explain its role in the achievement of organizational objectives, describe the major functions of management, distinguish among three levels of management and the concerns of managers at each level, specify the skills managers need in order to be successful, summarize the systematic approach to decision making used by many business managers, recommend a new strategy to revive a struggling business.
27p tangtuy11 20-05-2016 18 1 Download
Chapter 7: The nature of management. This chapter include objectives: Define management and explain its role in the achievement of organizational objectives, describe the major functions of management, distinguish among three levels of management and the concerns of managers at each level, specify the skills managers need in order to be successful, summarize the systematic approach to decision making used by many business managers, recommend a new strategy to revive a struggling business.
26p whocare_e 04-10-2016 17 1 Download
Our main empirical ndings are as follows. We nd that a range of nancial and macroeconomic variables prove helpful in selecting funds that are capable of generating future alphas. In particular, we nd evidence that a number of investment strategies (that use macroeconomic variables to predict fund returns) generate out-of-sample alphas from 7-9%/year (after fund-level trading costs and fees), when measured with a single-factor model, and from 12-13%/year with a four-factor model that controls for fund exposures to size, book-to-market, and momentum. ...
0p khanhchilam 29-03-2013 35 8 Download
Seismic Retrofit Practice 40.1 40.2 James Roberts California Department of Transportation 40 Introduction Identification and Prioritization Hazard • Structural Vulnerability • Risk Analysis 40.3 40.4 Performance Criteria Retrofit Design Conceptual Design • Retrofit Strategies • Analysis • Aesthetics Brian Maroney California Department of Transportation 40.5 40.6 40.7 Construction Costs Summary 40.
24p naunho 27-12-2010 56 5 Download
Some proposed calorielowering strategies include eating foods that are low in calories for a given measure of food (e.g., many kinds of vegetables and fruits and some soups). However, when making changes to improve nutrient intake, one needs to make substitutions to avoid excessive calorie intake. The healthiest way to reduce calorie intake is to reduce one's intake of added sugars, fats, and alcohol, which all provide calories but few or no essential nutrients (for more information, see chs.
84p ut_hai_can 26-12-2012 57 1 Download


text:
Have you thought about a separation agreement?
It isn't unusual for people to separate for many months or even years before beginning divorce/dissolution proceedings.
Some just need time to save up for the court fee which is currently £550.
Others prefer to adjust to living alone, sometimes hoping that a reconciliation is still possible.
The undoing of the legal contract of marriage/civil partnership doesn't hold the same sense of urgency for everyone. So does it make a difference? Are there any financial or other implications and if so what do you need to consider?
First of all this is not an article dealing with urgent situations such as where there has been violence. I am not going to deal with any disputes over children either. I am assuming that this is a fairly normal situation many people find themselves in, where they want to live separately but there is no immediate pressure to rush the divorce/dissolution petition off in the post.
Jointly owned property
Unless your separation is coinciding with a sale, you will need to think about who is going to pay the bills and the mortgage.
If the mortgage is capital and interest, think about whether the person paying the capital part is going to be given credit for those payments when you do come to sell and divide the equity.
For example if a £500 mortgage payment each month is made up of £300 interest and £200 capital, that will add up to £4,800 coming off the amount outstanding on the mortgage over two years. Should the person who has paid it off get credit for that?
Sometimes this is easier to agree on than others.
A couple with similar incomes and no children who are putting their house on the market and one is remaining there and paying the mortgage might agree that person will get the benefit of any reductions they make in the amount outstanding.
But say it is a couple with young children where one parent is in the home and not working and the other parent (who has moved out) is on a good wage and has been paying the mortgage but still has plenty left over. Is it still fair for the paying partner to receive the credit?
What about improvements to property? If one person carries out repairs or decoration should he/she receive credit for that at the end.
If one person spends part of an inheritance on an extension how do you later quantify how much of the increase in value is down to that inheritance and how much is down to natural house price increases.
These examples show very different sets of circumstances. But my point is, think about these issues at the beginning of the separation, not half way through or at the end.
Disputes often arise just when people fail to communicate with each other.
Before you spend a lot of money don't just hope that you will get credit for it, agree that with the other person first. If there is no agreement you can reconsider before going ahead.
Pensions can only be divided once you have a decree absolute/final order of dissolution. If you are planning ultimately to share a pension remember that a pension sharing order can only be expressed as a percentage of the scheme being shared.
So if you have agreed that your spouse can have 35% of your scheme based on a value of £100,000 at the time you separated, and then you find that the value has risen to £120,000 by the time you are ready to have a pension sharing order, you will be sharing the additional £20,000 by 35% as well.
Of course you can always re-negotiate but that can be stressful and expensive.
So perhaps at the outset consider calculating the amount to be transferred as a fixed sum which will then be turned into a percentage down the line. In my example above, the equivalent of £35,000 was to be transferred. As a percentage of the new value of the pension fund at the time of divorce (£120,000) that is 29.2% rather than 35%. No re-negotiating required, just a little simple maths.
Often people are so desperate to keep the status quo for children that they struggle on trying to run the family home (and sometimes keeping living standards as high as during the marriage) by relying on credit. They need to buy another set of furniture and sometimes a second car. Whatever the reason these debts are often still there when the divorce comes around and the argument then is over whose responsibility they are.
Legally the responsibility to repay the money is with the person whose names is on the contract. But is that morally fair? Is it the overall picture that needs to be taken into account to determine how to factor in these new debts?
I know it may not be possible to avoid incurring the debts. But you can agree how they should be paid off eventually. So for example, if they are being run up as a temporary measure until the home can be sold perhaps, then they should be paid off out of the proceeds perhaps before division.
What next?
If you are thinking about separating or have already separated it is time to think about your finances.
If you and your partner/spouse can't talk think about mediation. A professional mediator will help you look at all the important financial consequences of living apart and come to agreement on how to deal with them.
Once you have an outline agreement you need to write it down.
I can help you record your agreement unambiguously and clearly so that there are no nasty surprises when you come to divorce/dissolve your civil partnership further down. For more details of my separation agreement service please email me email@example.com or contact me using the form below.
A straightforward separation agreement costs £180. If you have a more complex situation fees will vary.
All you need to do is tell me a little bit about what you have agreed and I will send you a request for more details if I need them.
It is very important that you and your partner/spouse are open and honest with each other about the value of any property, capital, pension and debt that you each have. Otherwise this may undermine the terms of your agreement.


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Whether you are looking to grab a quick drink with coworkers or want to create a memorable experience with friends and family, Concetta's Italian Restaurant should be your restaurant of choice.
Our menu is endless with options that include steak, seafood, and pasta specialties.
The atmosphere and food at Concetta's Italian Restaurant is like no other. The next time you are in the area be sure to bring your family and friends to our restaurant for fine Italian cuisine at its best.
Contact us today for catering or reservations (636) 946-2468
*If you are ordering through our online ordering service you must have more than 12 hours before your delivery or pick up time. If you have a catering request that is less than 12 hours from delivery or pick up please call the restaurant.


text:
|Deep Sea Fishing Kona
|Marlin Fishing Kona
|Bottom Fishing
|Shark and Night Fishing
|Sea Monsters
|Types of Fish
|Capt. Dale Leverone
|Sea Strike
|Photo Gallery
Kona Deep Sea Fishing and Big Game Marlin Fishing Charters off Hawaii Island's Kona Coast
Call Us at 808-895-1972
Kona Fishing for Marlin with Sea Strike
The island of Hawaii is one of the world's best marlin and big-game fishing destinations. The Big Island's Kona Coast is uniquely situated on the sheltered, leeward side of the island. This coast is protected from heavy seas and Pacific trade winds by mountains nearly 14,000 feet tall. (Click here for a map.)
Nowhere else in the world is such successful big-game fishing found in such calm waters. Sea conditions off the Kona coast are typically calm and sunny, and the island's steep bottom puts big-game fishing just 1/4-mile offshore. Most of Kona's 1,000-pound marlin have been caught only 2 to 5 miles from shore!
While marlin fishing in Kona, you may catch up to six species of billfish that roam the Kona coast: blue marlin, black marlin, striped marlin, shortnose spearfish, Pacific sailfish, and broadbill swordfish.
Kona fishing styles vary depending on target fish and season. Marlin are caught on trolled lures or on live bait -- typically using aku (skipjack tuna) between 2 and 20 pounds. Boat speed, rigging techniques, depth of bait, and skirt color are some of the variables that we employ.
The Pacific blue marlin is our most prized and abundant game fish. Marlin season runs all year -- summer is best, but striped marlin and spearfish make strong appearances throughout the year, along with black marlin and Pacific sailfish in other seasons.
Mr. Ray Hawkes, fishing aboard the Sea Strike with Captain Dale Leverone and first mate Durk Britton, still holds
the IGFA world record that he caught during the 1995 Pro Am/ Hawaii International
Billfish Tournament. The current world record, 1,166 pound pacific blue marlin caught on 50 pound test, took 2 hours and 15 minutes to
fight. The fish, too big to get into the boat, was towed back to the Kona pier to be weighed.
A nice marlin is brought to the side of the Sea Strike for tagging and photos during a Kona fishing tournament.
This 400 pound pacific blue marlin was the angler's largest fish to date, and the winner of the Kona Dirty Dozen tournament.
Anglers from all over the world flock to the Kona coast each year to compete in some of the best marlin fishing tournaments in
the world. Pacific blue marlin run more abundantly in the summer, so most of our Kona fishing tournaments are scheduled between June and
August each year. Points are compiled for fish tagged and released. Prizes are awarded for monster fish weighed, as well as most points
At the end of the day, after the excitement of catching a big marlin has come and gone, the fish weighed and pictures taken, the fish is then hauled away to the fish market and local restaurants. Pacific blue marlin are a great eating fish and a main staple to our diet in the Pacific. The marlin may be cut into steaks or fillets, less pretty pieces used for smoking or making marlin jerky. Nothing is wasted.
In a region where sport fishing is big business, and fish is a main staple to the local diet, balance is necessary, and never-ending efforts are made to hold that balance.
The Kona Charter Desk's Dirty Dozen tournaments are year around. In most cases, these tournaments run on the first Saturday of the month, but there are exceptions. The first Dirty Dozen fishing tournament of the year is always on January 1st, New Years Day.
It's a good idea to book your 2015 Kona fishing tournament as early as possible. The dates are usually the first to get booked each year. Captain Dale and the Sea Strike has fished many tournaments and has a winning record. Contact Captain Dale now to reserve your 2015 Kona fishing tournament by calling him at 808-895-1972, or via email.
Please note - I do my best to have a full, comprehensive list of the upcoming Kona fishing tournament dates that have been set. Occasionally a date may change that I'm not aware of, or I might be missing one or two. Best thing to do is have Captain Dale confirm the dates and tournament for you. He will also get the tournament's entry form to you, and assist you in getting registered for the event of your choice.
|Email the Captain
Call Direct at (808) 895-1972
|Deep Sea Fishing Kona
|Marlin Fishing Kona
|Bottom Fishing
|Shark and Night Fishing
|Sea Monsters
|Types of Fish
|Capt. Dale Leverone
|Sea Strike
|Photo Gallery


text:
Homeowner Sues Mortgage Company, and Wins!
According to Rodgers, all he wanted was for the lender to answer his questions about its demand for him to purchase more home insurance.
Yet the bank still hasn't responded, Rodgers says, even though it has paid the $1,300 judgment.
Rodgers, a concert promoter who in January 2002 purchased a 6-bedroom, 3-bath Tudor-style home for $179,000, did as all homeowners do when they obtain a mortgage: He purchased home insurance to cover its replacement value should it ever be destroyed in a fire or other catastrophe.
About seven years later, his mortgage lender, Wells Fargo, asked him to insure the home for $1 million after an insurance inspector valued it at that amount. The amount was an estimate of what the home would cost to replace, reported the Philadelphia Inquirer. Rodgers balked. Wells Fargo went behind his back and bought him a policy, so Rodgers sued when the bank refused to respond to his inquiries.
Although home values have waxed and waned since he purchased his house in the Wynnefield Heights neighborhood, there's one thing this founder of Dancing Ferret Concerts knows for sure: The 1925-built home has never been worth $1 million.
"The area we are in is kind of close to the wrong side of the tracks," he told AOL Real Estate in a phone interview. "It was comparable to other prices in the neighborhood at the time." In fact, property records we dug up show that a smaller six-bedroom home across the street sold for $185,000 just seven months after Rodgers moved in.
"If you moved the house about five minutes west of here the price would go down about half and 15 minutes the other direction, it would go triple," he said.
Wells Fargo never sent Rodgers an appraisal report showing its estimated $1 million value, he says. To substantiate a change in the replacement value, up or down, a person or entity must show proof of the changed value through an "accepted industry rebuild estimators or an appraisal with the cost to replace new on the dwelling," says Mark Boyer, CEO of Foundation Financial Group in Jacksonville, Fla.
"The market value and the insurance coverage amount are in no way related," says Mark D'Agostino, the owner and president of R.F. D'Agostino Insurance Agency Co., in Brockton, Mass., outside of Boston. "The coverage amount is the cost to rebuild the home in the event of a total loss; the homeowner can ask that the replacement cost be reevaluated at any time. Going up is generally easier to do than going down."
Outside of some exterior repairs he did to the
So Rodgers said no to Wells Fargo's request for additional insurance. Then Wells Fargo bought it for him, and his insurance company notified him that the new policy would cost him an additional $500 per month above his previous policy.
Rodgers wrote to Wells Fargo explaining his situation and demanding an explanation for its actions. By law under the Real Estate Settlement Procedures Act, Wells Fargo had 20 days to respond. When it didn't, Rodgers wrote another letter letting them know they had missed the deadline, and giving them one more chance to respond. After another 60 days had passed and Wells Fargo missed another RESPA-mandated deadline, Rodgers moved for a judgment against his lender for failure to respond. His reward: a default judgment of $1,000 since a Wells Fargo representative never appeared in court.
When the lender didn't pay up, Rodgers contacted the Philadelphia sheriff's department for help. The sheriff scheduled a sale of the items in a Wells Fargo office to cover the monies owed to Rodgers. That, along with media reports, got Wells Fargo's attention and they sent Rodgers several checks totaling the approximately $1,300 they owed him for the RESPA violation, court costs, sheriff's levy, and scheduled sale. (The sheriff's sale has been cancelled now that the bank has paid.)
Rodgers has received the money, but no phone call or letter. "No one from Wells Fargo has reached out to me yet and that was the point for me in initiating all of this. It wasn't that I wanted to litigate and get $1,000. I just wanted someone from Wells Fargo to talk to me."
Sheree R. Curry, who has owned three homes and once had a Wells Fargo mortgage, is a three-time award-winning journalist who has covered real estate for six years. During her 20-year career, her articles have appeared regularly in the Wall Street Journal, TV Week, and Fortune. She's been writing for AOL Real Estate since 2009 from a Minneapolis-area rental. She seeks a book publisher -- or at least a lender who'll give a reasonable mortgage rate to a self-employed mom.


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Portability with power: The benefits of taking your business mobile
Commissioned Content
Dell SMB
May 31, 2012 in
That's where Dell Mobility Solutions come in, and we've helped lots of people just like you make the right decisions to make their business more mobile.
We've seen how small- to medium-sized business (
) customers can fully embrace mobile to deliver solutions no matter where they are in the country. Dell Mobility Solutions eliminates concerns around security and manageability, while boosting business productivity with a brand customers trust, backed by innovative and industry-leading technology. With Dell, SMB customers gain support over the entire lifecycle of their mobile strategy, from definition and deployment to management and ongoing enhancement.
It can be dizzying for SMB owners to select the right hardware for their on-the-road staff. But with the right help, it is simple and you can find solutions in everything from Dell's Ultrabook lineup to our popular Latitude tablet depending on how your core business operates.
SMB owners might want to latch onto the Ultrabooks trend currently sweeping across the world. These super-portable and thin laptops are often showcased for their design, and offer a whopping punch in terms of processing power. Dell's XP13 Ultrabook can be outfitted with the Intel Core i7 processor and Intel HD 3000 graphics card, ideal for any data-heavy application. It weighs just three pounds and is so slim it rivals any other ultra-skinny PC.
Its design is meant to be attractive but also functional: the full-size backlit keyboard illuminates your work so you can be productive in low-light situations. An integrated button glass touchpad is also a standout feature.
System imaging is another key add-on an SMB owner will appreciate. This tool lets Dell develop, validate, deploy, and maintain the hard drive images of large and small companies. An image consists of the operating system, drivers, and software applications stored on the hard drive. This means your army of Ultrabooks will come preloaded with software you need to run your business, giving your IT staff more time to focus on growth and not installing programs.
Also appealing for XPS customers is the addition of Pro Support: Customer service gets a new polish with Pro Support, which offers in-person support for any XPS concern within two hours. Imagine how useful Pro Support can be when you need a problem solved quickly and don't have time to wait on a phone line to get the answers to your questions.
Courtesy Dell
Also, a issue for many SMB owners is data protection; with desktops, an array of services are often utilized to make sure nothing is stolen or lost but with mobile hardware it can be a bit trickier. That said, Dell has made sure its customers are protected at all times. Dell Data Protection lets you easily safeguard critical business data on desktops, laptops, USB thumb drives, external storage devices and optical media. It's simple to set up and gives business owners peace of mind so they can focus on their essential responsibilities. Data Protection is offered on the Latitude line of laptops.
Using tablets is also recommended for SMBs with a very mobile work force. Dell is positioned to be a reliable source for SMB owners looking to go the tablet route with lightweight Latitude ST tablets include an array of Windows Office business applications and docking capabilities in case customers want to work on their tablet at their desks. The tablet features a front-facing 720p camera and a 5.0MP back-facing camera, along with a stunning 10.1" WXGA (1280 x 800) display.
Courtesy Dell
Opting for a tablet or Ultrabook could benefit many SMBs, especially in fields where staff are constantly on the move. To make the jump into mobile, step one is to evaluate your company needs and how the technology will be deployed, and that's where we are happy to help.
Visit Dell Small and Medium Business solutions today
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Endophthalmitis involves swelling (inflammation) within the eyeball. It is a serious condition.
Endophthalmitis is caused by infection with bacteria or a fungus. It very often occurs as a rare complication of cataract or other eye surgery.
The symptoms are:
- Decreased vision
- Pain
- Redness
- Swelling of the eyelids
Call your health care provider right away if you have these symptoms after eye surgery.
Durand ML. Endophthalmitis. In: Bennett JE, Dolin R, Blaser MJ, eds. Mandell, Douglas, and Bennett's Principles and Practice of Infectious Diseases, Updated Edition. 8th ed. Philadelphia, PA: Elsevier Saunders; 2015:chap 116.
Shildkrot YE, Eliott D. Infectious endophthalmitis. In: Yanoff M, Duker JS, eds. Ophthalmology. 4th ed. Philadelphia, PA: Elsevier Saunders; 2014:chap 7.9.
Yanoff M, Cameron JD. Diseases of the visual system. In: Goldman L, Schafer AI, eds. Goldman-Cecil Medicine. 25th ed. Philadelphia, PA: Elsevier Saunders; 2016:chap 423.
Review Date 8/26/2017
Updated by: Linda J. Vorvick, MD, Clinical Associate Professor, Department of Family Medicine, UW Medicine, School of Medicine, University of Washington, Seattle, WA. Also reviewed by David Zieve, MD, MHA, Medical Director, Brenda Conaway, Editorial Director, and the A.D.A.M. Editorial team.


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Our company specialises in Graphite Products. Such as Graphite Electrodes, Calcined Petroleum Coke, Flake Graphite and Amorphous Graphite, etc. If you need any of the products, please feel free to contact us.
Dalian Wanlong Trading Co.,LTD
No.20 Gangwan Street, Zhongshan District
Dalian, LI 116001
Manufacturer · Trading Company
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text: The Printable Baby's selection of baby themed clip art is perfect for party invitations, scrapbook pages, DIY nursery decor, and more. We have giraffes, monkeys, bees, cupcakes, clouds, banners, and assorted word art to help you creatively preserve all your favorite baby-related memories. All designs are fully compatible with the image editing or desktop publishing software of your choice, making them as versatile as they are adorable.


text: Hello again, I tried to find it in this book but I failed. But later found it in doc Kernel#printf is similar to C printf. This is not homework, but part of my script (I prepare histogram and learn Perl-like system scripting), however, you are right I should have googled it more widely. Thanks for patience and sorry, -- Posted via http://www.ruby-forum.com/.


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HSTRY Badge
What is HSTRY?
HSTRY allows users to create interactive, digital time-lines that can be easily shared online. Teachers can create timelines using pictures, videos, text, and gifs, and upload those timelines to their HSTRY class page. Students in your course can create their own timelines or collaboratively work on content shared by the teacher.
How Will HSTRY Benefit Your Classroom?
What do Teachers Think of HSTRY?
How Can You Use HSTRY in Your Classroom?
Are You Interested in Earning the HSTRY Badge?
If so, complete the following steps!
Leave a Reply.
Chris Tucker is an assistant principal at Western Boone Jr/Sr High. He has a passion for providing personalized learning for teachers and students.
June 2017


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It's that time of year again… the holidays are right around the corner and this means lots of opportunity to make delicious special dishes that are actually good for you, too!
Chef James and I are working hard on another project right now, so we didn't have time to come up with any new recipes for you, so I reached out to some of my favorite other bloggers to get THEIR favorite recipes. This is the best of the best!
Check out this delicious Roasted Sweet Potato Puree with Coconut, Orange and Ginger from Ariana at And Here We Are. In her words: "This is one thing that I have made every single year, for almost 15 years. I came up with this recipe in my vegan days, and even though I'm now an enthusiastic omnivore, it's still exactly how my family and I want our sweet potatoes! It's also a great option for anyone who doesn't tolerate dairy."
Here's another delicious sweet potato recipe – a little something to mix it up from that horrid marshmallow-covered nightmare you see so often. Raia from Raia's Recipes has a great alternative: Honey Spiced Sweet Potatoes. With this yummy recipe you get all of the sweet with none of the syrupy nastiness. In her words: "I am SO not a fan of those sweet potatoes with marshmallows that my relatives always brought over for the holidays, so this is my version, which is 100x better IMHO."
Here's one that looks delicious if you eat grains: Autumn Rice Pilaf by Tiffany at Don't Waste the Crumbs. In her words: "My favorite holiday side dish because it's practically effortless, can be made ahead of time, suitable for almost all allergies and fits with whatever you currently have in the pantry. And it's very, very frugal!" Not to mention it looks beautiful!
And what about this Grain-free Stuffing by Trisha at Go Eat Your Beets? Perfect for anyone on GAPS or other special diets! In her words: "This stuffing (or dressing I suppose, since we don't actually STUFF it) was really important for me to create. It is delicious and you don't need any gluten free bread, etc. When we started GAPS with my youngest I was really worried about Thanksgiving because I do it up big for that holiday. I wanted to make sure he could eat EVERYTHING I made and at that time he couldn't tolerate almonds or coconut, so it's just sausage and veggies."
Here's another delicious paleo and GAPS-style grain-free stuffing from Megan at Eat Beautiful. In her words: "Stuffing is the ultimate comfort food. We LOVE this recipe because it's "bread" for those of us who are grain-free. It's not just bread actually: it's full of butter and bone broth and sausage and spices and caramelized onions and cauliflower. Delicious!!"
This paleo Pumpkin Pudding by Sylvie at Hollywood Homestead looks incredible! And I'm always looking for easy do-ahead dishes that can be whipped out whenever you need them. In her words: "It's quick to put together and can be done ahead of time so you can focus on making the main entree and just pop them out of the fridge when you're ready to serve!" Yum!
Personally, this is my favorite use for cauliflower: Creamy Cauliflower Fauxtatoes by Kate at Real Food RN. In her words: "LOVE my creamy fauxtatoes because they have the same texture and flavor of the real thing, but with much less effect on your blood sugar!" I agree entirely! These will definitely be on our Thanksgiving menu.
Okay, so there could be NOTHING worse than a dry turkey on Thanksgiving. Dry turkeys make me want to cry, but they are so common! Not with this fabulous tip from Emily at Holistic Squid. Check out her Butter Rub technique. She says herself "Makes the most moist and delicious turkey!" I'm in!
You guys know how much I love cultured foods, so imagine how delighted I was to come upon this gem from Jacquelyn at Little Owl Crunchy Momma: Cultured Cranberry Sauce. In her words: "It's a fun take on an old tradition with a burst of probiotics to help you digest that holiday meal. It's absolutely delicious, refreshing and just beautiful."
Who doesn't love eggnog!? I do, but it's definitely a guilty pleasure. Here's a great recipe for eggnog that actually boosts your metabolism! Sound too good to be true? Check out this Metabolism-Boosting Raw Egg Nog recipe from Kristen at MIX Wellness. In her words: "Takes the guilt out of your annual egg nog indulgence, with a secret, metabolism-boosting ingredient!"
Cranberry sauce is a Thanksgiving staple, but there's got to be other things you can do with these little nutrient-dense powerhouses? Lisa from Real Food Kosher has the answer: Cranberry Crumb Bars with Pecans and Rosemary. Yum! As she says: "I love this recipe because I love cranberries and wanted them in a dessert. You can also use leftover cranberry sauce for the filling. And everyone loves it from kids to adults – and it's easy to make ahead."
For some of us with dietary restrictions, the holidays can mean deprivation, and that's no fun at all. Kelly from Primally Inspired knows this well: "Where I come from, Thanksgiving isn't complete without a pumpkin roll. But during my first year of eating strictly grain-free, I felt so deprived on Thanksgiving because I didn't have a slice of that white flour, sugary laden pumpkin roll. The very next day, I made it my mission to create a grain-free, healthier version. This grain-free and paleo friendly pumpkin roll is now requested at each Thanksgiving. It's the real deal — even my gluten loving family approves!"
Here's another delicious holiday classic conversion: Steamed Persimmon Pudding by Trish at Keep the Beet. This recipe is GAPS-friendly, Auto-Immune Paleo, grain-free, sugar-free AND egg-free. But no less delicious. As Trish says: "I love this recipe as I converted it from a traditional old family recipe and I find this new version even better: delicious, rich and great for the Holidays!"
If you're a pumpkin pie lover, you may want to give this one a try: Crustless Butternut Squash pie. Rumor has it, it has even better flavor than pumpkin, and is super easy to make! Not to mention no crust = no fuss. Check out this creative recipe from Alisa at Paleo in PDX.
And for the purists out there, here is a simple and delicious pumpkin pie recipe by Dina-Marie at Cultured Palate. In her words: "Being a type A personality, this is my favorite Pumpkin Pie recipe – it is made in the blender and poured into the pie crusts and baked – talk about easy – there is next to nothing to clean up!"
Now just in case you think I have a hate-on for marshmallows, that couldn't be further from the truth. But the chemical-laden store-bought concoctions have got to move over for this goodness: Honey-Sweetened Cinnamon Marshmallows by Emily from Recipes to Nourish. In her words: "Homemade marshmallows are one of my favorite things to make for the holidays. Not only does my family love to eat them and enjoy them with a cup of hot chocolate … we love to give them away as gifts too. Everyone is always thrilled when they get a little package full of homemade marshmallows. They're absolutely delicious."
For the truffle lovers among us, these are a must-try. Gingerbread Truffles by Jenny at Au Naturale Nutrition. In her own words: "When I was a little girl, we'd make gingerbread men, and part of the fun was eating some of the dough leftover from the cookie cut-outs. I think these truffles taste just like that yummy dough. Oh… the good ol' days!" Did we mention these are no bake, gluten free, and dairy free – just the good stuff!
Here's a fun seasonal treat: Almond Butter Pumpkin Bars by Kim of Nearly Natural Momma. Have it for breakfast with butter and your hot beverage of choice. Yum!
No time to check out the recipes now? Pin it for later!
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Round neck.
Sheer lace back.
Back slit.
Classic fit.
Lace trim at armholes and sides.
Pleating at waist.
Elegant lace accents bring stylish drama to this chic evening dress.
Discount Blue BCBG Karey Lace-detail Evening Dress.
Concealed side-seam zipper with hook-and-eye closure.
Measures approximately 61.5″ from shoulder to hem.
Georgette: Polyester. Lace: Cotton, Nylon.
Chic pleating with lace contrasts makes this dramatic evening gown the perfect go-to piece for holiday evening style.
Round neck.
Classic fit.
Chiffon and lace construction with pleated detail throughout.
Concealed center back zipper with hook-and-eye closure.
Measures approximately 61″ from shoulder to hem.
Chiffon: polyester.
Georgette: polyester.
Lace: nylon.
Lining: polyester.
A stunningly simple, show-stopping look for your next special occasion.
Asymmetrical V-neck. Sleeveless.
Draped ruching detail at shoulder and bodice.
Side slit. Cutout at back.
Polyester, Spandex.
Dry Clean.
Make a chic statement in this luxuriously embellished gown.
Crewneck with embellishments.
Floor-length hemline.
Self: Polyester georgette.
Contrast 1 & 2: Polyester tulle.
Lining: Polyester crepe de chine.
Dry Clean Only.


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Welcome to the Marple & Marple firm website. We believe the internet to be a valuable tool and have chosen to create a site that can be both informative and helpful to our clients and website visitors. In addition, we have provided general firm information regarding our CPA practice here in the Tri-Cities.
As you browse through our website, you will find some useful resources including informative articles, newsletters, website links, and other information. In addition, for our existing clients, we have individualized, secure portals for accessing client documents and securely sending client records.
In our info center section, you will find some general information on the Tri-Cities including some photos of local areas of interest. We are proud of our three cities (known collectively as the Tri-Cities) located in south central Washington State. It is a great place to live and work!
While browsing through our firm website, please feel free to contact us with any questions or comments. Our firm e-mail address, mailing address, phone number, and fax number are included in our contact information. Thank you for visiting our site and have a great day!
The changes encountered during my 60+ years of practice as a CPA and founding member of Marple & Marple have been astounding!
We have gone from hand crank calculators to hand held computers connecting to the world wide web.
One fact is certain, the future will bring more change and our firm will continue to strive to provide quality tax and accounting service for clients.
Thank you for visiting our website!


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It's VEGAS time.... 2015
It's almost time. Yes, in ONE week I will be in Henderson Nevada for four days hosting the TC VEGAS EVENT 2015. This is a SOLD OUT event. We have men and woman coming from all over the world to come together to celebrate life, family, friends, memories, and being creative. It is so much MORE than the projects. I have invited several amazingly talented designers to teach and inspire this year.
This year is bigger than ever. Due to the size, we have even more a la carte workshops on Thursday prior to the actual start of the event. Anyone those not even who are attendees at the event can take workshops (not just the event) on this day. PLUS, for the first time- the on site store is open ALL DAY Thursday for the everyone with amazing deals and products from your favorite manufacturers. Anyone can come to the onsite store at the event and shop at Green Valley Resort and Spa. The store will be FULL of amazing product. Just to name a few Teresa Collins, Bella Blvd, Fiskars, Xyron, Craftwell, American Crafts, Graphic 45... oh that is just a FEW....
This year I felt very inspired to invite Ashley Mitchell (BIG TOUGH GIRL) come and be the KEYNOTE SPEAKER. She has a powerful message. I know that in life we all need that encouragement and to feel EMPOWERED and INSPIRED in our own personal journey.
On a personal note, last year was the hardest year ever for me to do the event. I was struggling as I knew the end was near for Tyler. I had to refocus and get through a really hard sad time for my family. I remember seeing girls at the event but my mind would go blank and I could not remember their names. I was a shell walking and talking. It was almost a blur and things just were not the same as the previous years. I had no desire for a time, to even want to keep going... much less do an event of this size and magnitude. That is when it hit me. I have weathered the storm and battled. I decided to go on and give it my heart. That is all that I could do. I know that no matter what you do, some people never can have their expectations met. Last year's event probably changed me in many ways. During the hardest time of my life, some things happened at the event that forever changed me. Some things were done that I felt were uncalled for. Drama creep in. It was sad and hard and as rumors and horrible things were said... I remained silent. I knew the truth. I knew how easily things can and do blow up. I am a firm believer in having integrity and I stood firm in my resolve to never call or or harm anyone. As things were swirling and hurtful mean things were going on... I prayed for peace. I knew that I would never publicly say one word. I feel like often we try to speak when silence speaks more. I gained a greater appreciation during this time. STORMS will and do come into your life. I promised myself I just had to "hold on." Those that truly know me always know that I am the ultimate people pleaser. Sometimes you realize you can't fix everything. It's up to YOU how you choose to react to any situation. You have no control on so many things in life. What you can control is how you REACT to those challenges.
This is ONE of the THREE workshops/seminars that I am teaching this year....
This is my NEW black/white and gold book plate label photo album.
I want to encourage EACH of you to take the time to take the photos, print the photos...
challenge yourself to at the very least
put them in page protectors/album.
I challenge you to do this. Stop making excuses.
THIS IS WHY I design to tell a story...
I want to inspire you to do the same.
I promise YOU that it matters.
If you want to sign up to get on the list to come to my event please
I am beyond grateful for this year. THIS is a huge year of healing and will continue to be so for me and my family. I am so thrilled to teach this and the other two projects. I am passionate about ENCOURAGEMENT. We all need this. We need that reminder that when life get's messy it's going to be okay... have FAITH.
LIFE is not always pretty. It's what you do with your messes... make it your MESSAGE. Share and forgive and love. I personally know what it is like to be judged by others who don't even know me. THIS is the SECRET... love yourself and NEVER ever use it as an excuse to become mean, vindictive or YOU have lost more than they have. I get emails and messages every day. Sometimes I cry knowing I simply don't have the time to respond, but I want too and wish I had the time. People share their heart, life and story. I am JUST like you. I see your battles and often they are just like mine. There is a connection. My heart is so grateful for YOUR willingness to share with me. I do this event and others because of that. I want to know YOU and I want to share ALL that I have and can to spread more LOVE and JOY.


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Truck & Trailer Repair
We specialize in Truck and Trailer repair and maintenance.
In addition, we are the largest distributor of Gates® hydraulic hoses and accessories in Ottawa's west-end!
GATES® Hydraulic Hoses
Gates provides industry-leading innovation to a variety of industries and their products and services power your movement with reliability and precision. Rob's Truck Service & Hydraulics is your Ottawa source for Gates Hydraulics & Hoses.
DOT Safety Inspections
We are a qualified DOT Safety Inspections facility. Make sure your records are up to date by getting in touch with us to book your inspection!
About Rob's Truck Service
Over 25 years experience!
Rob's Truck Service & Hydraulics was incorporated in 2003. Rob has over 25 years in the trade and is a a licensed 310T and 310S Mechanic. We specialize in Truck and Trailer repair and maintenance and are certified to perform DOT Safety Inspections.
In addition, we are the largest distributor of Gates® hydraulic hoses and accessories in Ottawa's west-end!
Our Pledge
At Rob's Truck Service & Hydraulics, we:
- Conduct ourselves at all times with the honesty, integrity and skills associated with professionals.
- Stand behind our work and honour all guarantees and warranties associated with the services we provide and the products/parts we use.
- Recommend and perform only those services we deem to be in the best interests of our customers.
- Continuously update our knowledge to effectively meet the demands of new automotive technologies.
- Continuously upgrade our tools and equipment to meet the demands of today's sophisticated automobiles.
- Provide our customers with fair value for services rendered.
Congratulations to Rob of RTS (Rob's Truck Service & Hydraulics)! He is proudly awarded the J.H.M. Gold Star for his outstanding workmanship and uncompromising attention to detail. Thanks for keeping our small fleet safe on the road. We have been taking our trucks to Rob's for years and years, and if you need a truck fixed or an M.T.O. safety, he is the man to see.


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The Cascading LookApp field enables you to turn SharePoint Lookup columns into "Super Lookup" columns that include the following additional capabilities:
- Cross-site Lookups – Unlike the out-of-the-box Lookup columns, with Cascading LookApp you can now create a lookup to remote lists, which are located in various sites.
- Cascaded Lookups – Who isn't familiar with this SharePoint limitation?? Now you can easily filter you Lookup fields by other field on the same form, such as in the most common scenario: Region > Country > City.
- Filter Lookup by view – When you create a Lookup field, you can have it filtered by a selected view of the referenced list (unlike the out-of-the-box Lookup field that always displays all items from the looked-up list.
- Quickly created new items in the looked-up list – you can now create new items in the looked-up list, directly from the New/Edit form of your current edited item. No need to close that form and go to the Looked-up list – save time!


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Native to both Newfoundland and Labrador.
Caribou prefer mostly barren land during the summer months, moving to areas of mixed forests during the colder months.
The caribous range extends from the boreal forests of Newfoundland to British Columbia. The George River Herd moves between the forest and tundra in Quebec and Labrador. This is the largest herd in Canada, numbering at approximately 500,000 caribou.
Caribou are herbivores. Their main food source is lichens, which gives caribou an advantage in the more harsh northern areas of its range where vegetation is scarce. The common "caribou moss" is actually a type of lichen (Cladonia rangiferina), which is a major food for caribou. Caribou also eat vegetation such as grasses, sedges, birch and willow leaves, and mosses.
The wolf is the greatest natural predator of the caribou and, for thousands of years, has been known to follow migrating caribou herds, killing mostly the aged, injured or weak animals. Caribou are also an important food source for Canadians, in particular native communities throughout the north.
About 15 years.
The caribou's body is dark brown, with lighter patches around the neck and rump, and white above each hoof. All males and some females have dark velvety antlers that are flattened and project forward. The males shed their antlers in November or December, after mating, while the females and young may carry their's through the winter months. Caribou have large, concave hooves that are ideal for traveling over snow or soft ground, and for digging in search of snow-covered lichens. The hooves are sharply edged for ice travel and are wide to serve as paddles when swimming.
Caribou mate around mid-October and males can have many mates. After a gestation period of about 230 days the calf is born in May/June. The calf is weaned after about two months and joins the herd in the fall migration. Male caribou begin to mate around the age of 1.5 years.
Average weight is (400 lbs)(180 kg) for males; (300 lbs)(135 kg) for females. Height of about (3.5 - 4 ft)(1.05 - 1.2 m). Antlers may spread up to (5 ft)(1.5 m) wide.


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(source: lana del rey)
Joining Iggy Pop in creating a lasting classic, 'Lust for Life' is the second single from Lana Del Rey's upcoming fifth studio album of the same name.
The single itself was released on April 19, accompanied by a music video on May 22. 'Lust for Life' features the vocals of Abel Tesfaye (The Weeknd), who also appears alongside Lana in the music video.
In the press release for her first single from the new record -- 'Love' -- Del Rey stated, 'I made my first four albums [Lana Del Ray, Born to Die, Ultraviolence and Honeymoon] for me, but this one is for my fans and about where we are all headed.' Hope seems to be the theme for the new record; a world full of optimism and love, especially regarding the political climate now. We are living in a world encompassed by fear of the unknown and terrorism, two things that Lana -- and the rest of the world -- hope will be eradicated in the near future.
Rather than dwell on the negative aspects of society today, Lana reels in optimism. This optimism is a stark difference to her often-melancholic prowess featured in her first four records.
A common theme within Del Rey's work is the small, contained worlds she envisages in individual songs. 'Lust for Life' is no different on the surface, exploring moments that remind both Del Rey and Tesfaye why living in the moment keeps you alive. However, the song -- and video -- is still laden with Del Rey's famed melancholy, as the track is rumoured to be inspired by the famous suicide of 24-year-old actress Peg Entwistle in 1932.
source: Neil Krug
Entwistle climbed a workman's ladder to access the top of the 'H' of the Hollywood sign, and preceded to jump to her death. In the track, Del Rey sings: 'Climb the H of the Hollywood sign / In these stolen moments / The world is mine', whilst Tesfaye sings 'They say only the good die young / That just ain't right / 'Cause we're having too much fun'. The video also takes the song's lyrics literally, following Del Rey adorned in a class red dress as she climbs the 'H' of the Hollywood sign to reunite with her 'lover' Tesfaye who is dressed in a styled black blazer with '60s-esce rounded sunglasses.
The duo slow-dance and sit atop the 'H', keeping each other alive with their 'lust for life'. The video is accomapnied by a '90s VHS filter, aiding to the recurring nostalgic haze imagery that has surrounded Del Rey throughout her career.
'Lust for Life' signals Del Rey's evolution from her 'Hollywood sadcore' to a strange blend of optimistic melancholy. The music video for Del Rey's first single 'Love' is similar to 'Lust for Life' in theme, displaying Del Rey as a flower child swaying to the music and singing directly to her audience.
The swooning melody is accompanied by sequences of today's youth-driven culture; demonstrating how they have a striking ability to embrace life and live for the moment rather than the future. In both music videos, it's enough to see Del Rey elegantly narrate today's youth without having to show her skin or flaunt herself in sexual dance routines.
Del Rey is one of the few musicians of this generation to captivate audiences and fans through her unique, vintage image and nostalgic music, harkening back to the 'Free Love' movement of the 1960s.


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on September 11, 2016 at 1:58 AM
Posted In: Uncategorized
Today we want to remember all those we had lost on that faithful day 15 years ago. We want to remember the first responders who selflessly put their own lives at risk without batting an eye or looking behind them. We remember the friends and the families we lost. Despite the unbearable pain we suffered, we came together as a whole stronger than ever before. Today, we stand united. We ask you to not just remember on this day, but to remember every single day.