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Car Paint Repair
The first option , primarily for more extensive damage – is to take your car to a paint repair specialist (bodyshop or crash repair centre) to fix the damage and repaint the affected area. Usually this type of repair job can take several days.
The second option , primarily for minor damage (and if the car paintwork is not damaged) – is to have a paintless dent removal technician work on it, which will be much faster, cheaper and convenient as their mobile service personnel can come to you at a suitable time, rather than you going to them during your working hours.
The third option is to use a SMART repair technician (small to medium area repair technique) as these paint repair technicians specialise in minor repairs such as bumper scuffs and small scratches.
The fourth option is to attempt to do the repair job yourself, although this only solves the paint repair, not the actual dent or scratch itself. It goes without saying that if you're not experienced in this type of work, you could end up doing more harm than good, with a result that is a lot worse than when you started!
And the fifth option is to do nothing and leave it as it is. Of course, that doesn't really solve anything, but it doesn't cost you anything either. However, it is recommended that you at least "touch in" any scratches to prevent rust forming.
Which method of repair you choose depends on several different factors: the cost, the make of the car, the extent of the damage, and your car insurance cover.
If you don't have much money, then the first car paint repair option is eliminated. However, if your car is a Porsche, where the paint job comprises 21 different stages to ensure its durability, you may find the first repair option the only viable one available for major damages.
If the extent of the damage is minor, then the second or third paint repair options become the most practical, although the rather primitive touching-up method will always show much more so than the method of paintless dent removal followed by touching in, which is designed to disguise the damage to almost invisible. It is important to note that paintless dent removal is largely used when there is very minor or no paint damage.
Whichever method you choose, it is still hard to believe that the "paint" used in Auto Industry paint repair originated from a substance comprised of items such as berries, blood, plants, soot and ash, during the cave men era.
As the demand for vehicle paint increased dramatically, technologists were commissioned to discover faster ways of applying paint to automobiles. The three days needed for the numerous coats of standard paint to dry was hampering supply and a damaged car needing car paint repair was taking almost as long as a new one to finish!
Aside from perfecting the spray gun so that greater quantities of paint could be more accurately and evenly dispersed over the shell of a car, "dilutable" paint resins incorporating water were produced. These were more environmentally-friendly than previous ones, releasing water into the atmosphere upon drying instead of organic solvents and are still the ones used today.
Later, tiny metallic pieces which when administered would only be a depth of 15 microns (15 millionths of a metre) were added as well as pigments to the paints to vary the car paint palette and choice of car paint repair materials. To finish, a clear coat of protective resin was introduced over the paintjob to seal in the paint, add to durability, and give it that lustrous shine.
This explains why when you take your car to a garage it takes so long, why paintless dent removal is such good value, and why when you do a "touch up" car paint repair job yourself, it looks so noticeably different from the original manufacturer's paintjob.
Pay for Emergency Car Repairs
Be Prepared
The best way to avoid an emergency is to be prepared for an emergency. If you can set aside a little bit of money each month in case of any emergency (be it medical, automotive, or accident), then you will be able to manage any unexpected situations. However, if the time has come and you haven't planned ahead, there are still some ways that you can get money.
Stay Calm
One of the most common mistakes that is made during emergencies is to lose your cool. If you lose your cool, you might forget to use common sense. Use your common sense to shop around. Even if you need a tow right now, consider calling a few places for quotes before having them send someone over. The ten minutes that it takes you to make some comparisons might save you twenty dollars or more. That makes the use of time well worth your money. Remember, you will be late anyway, so take your time in getting there.
When the tow truck driver arrives, be sure that you know where you want to have your car towed. You should also do some comparison shopping for this. You can even call a friend and have them make some of your phone calls for you. If you don't know what is wrong with your car, have it taken to a mechanic or dealership that you trust. They will tell you what's wrong, and you then be able to decide how much (it might be all) of the work you want to have done.Review your Options
When you buy a car, you often get a warranty. You might be signed up for AAA or CAA. Your insurance company might cover some of the repairs needed for your car. Before you go about paying for all of the repairs out of pocket, find out what repairs are covered. Then get approval from the institution that will help you pay. It is easier to get them to pay upfront than to get them to reimburse you.
Consider keeping a membership for CAA or AAA. This means that you will have free towing if you are ever in an accident or if you ever have a breakdown. There is an annual fee, so you would have to weigh the pros and cons of membership. I, personally, find that I have gotten a lot back from my membership, including a peace of mind knowing that I am covered while I travel.
What NOT to do
If you need to pay for your emergency repairs, do not get a pay day loan. Pay day loans have exorbitant interest rates and will make it hard for you to get back on top of your debt.
Get the best interest
Find out where you will be able to get the best interest rates for the money that you will have to spend. If you take out a loan, then you will be able to pay it back in small pieces throughout the year, rather than taking an upfront loss. This also works if you cannot pay for your car.
If you put the car repairs on your credit card, remember that you will probably be paying a higher interest rate than if you got a car repair loan, or if you went to a bank or credit union. Check the interest rates that varying places offer, including at the dealership if you are having your car repaired there.
Paintless Dent Repair
Ding and Dent Repair: Paintless Dent Repair
Ding and dent repair is called PDR, short for Paintless Dent Repair. There are many companies that perform this service: Ding Doctor, Ding King, No Dents, Dent Wizard…the list goes on. Some are better then others, although ultimately it's up to the skill of the PDR technician. Prices are similar.
How is it done?
Most PDR techniques are non-intrusive. The PDR technicians use specially designed tools and gadgets to slip behind the damaged panels and manipulate and massage the damaged metal back to its original form.
Does it work?
Actually, it's incredible! It works so well that in the majority of cases the dings and dents are completely removed. They're invisible, gone, can't-believe-your-eyes fixed.
I saw a soccer-ball-sized dent removed from the rear fender of a $120,000 car. The dent also had a large crease, which makes repairs even harder. After thirty minutes there was no visible detection that a dent was ever there. The repair cost the client $400. Traditional body shop estimates were hovering at $2700.
PDR positives
- Very low cost compared to traditional body shops
- Same day repairs–even while-you-wait service
- No paint work, sanding, or traditional bodywork required
- Original paint remains–helps retain vehicles looks and value
- Body panels remain intact–maintaining structural integrity
PDR negatives
- PDR does not address scratches or paint chips that are often associated with dings (Many PDR companies will address chips and scratches, but it's not PDR technology)
- Many areas of body panels are not accessible, so PDR is not an option
- Plastic bumpers or any plastic components can't be fixed with PDR techniques. Since the bumper is the most common area to get damaged, this is a significant downside of PDR technology.
- Some damage can occur to door panels, paint, interiors, window glass and hardware, although damage of any kind is rare.
Do you need PDR insurance?
God, no!
Should you get your dings fixed using PDR techniques?
Hell, yes!
Let me explain…
Insuring against dings and dents does not make economic sense. Ding repairs average around $50 per ding. Some dings cost $99 to $149 to repair. Two to four dings can run $100 to $450, depending on the size of the dent. Insurance at this level is just not necessary. Moreover, it's a gamble you will lose.
To benefit from a $300, two-year plan, your vehicle would need to sustain multiple "PDR repairable" dings or dents. Despite your coverage, you may not even notice the dings, making a claim impossible. Also, despite the amazing PDR techniques, they can't fix everything, especially the chips and scratches that so frequently accompany a ding–should dings even occur.
Yes, get your dings fixed with PDR (if they're bothering you), but don't buy an insurance plan.
Protection plan economics 101
An article by Terence O'Hara in the Washington Post is a wonderful piece on the insanity of protection plans, and is applicable here. He writes:
The decision to buy an extended warranty…defies the recommendations of economists, consumer advocates and product quality experts, who all warn that the plans rarely benefit consumers and are nearly always a waste of money.
'[Extended warranties and protection plans] make no rational sense,' Harvard economist David Cutler said. 'The implied probability [of an issue] has to be substantially greater than the risk that you can't afford to fix it or replace it. If you're buying a $400 item, for the overwhelming number of consumers that level of spending is not a risk you need to insure under any circumstances.'
…extended warranties play upon a basic human trait to avoid loss, even if it means sacrificing a possible future gain. In this case, the gain is all the other things of value that a consumer could buy with the money that was spent on a warranty
Fix your dings
Fix your dings and dents (if you want) as they come–maybe every spring. Fixing dings keeps your car looking pristine, and increases its value. But don't bother with a protection plan. Save your money.
Hold off on that paint job
Quality paintless dent repair is often a great substitute for those considering full paint jobs. Whenever possible, it's best to keep the original paint. Good PDR combined with a professional detail can restore vehicles to show room condition for less than $500.
Go with the best
Since 1983 Dent Wizard has been pioneering PDR technology. Their PDR technicians undergo extensive and ongoing training. The rates are reasonable and the quality is excellent. Always request a master PDR technician, as there are various levels of abilities.
Check with local dealers
Dealerships in your area may offer Dent Wizard. Your vehicle does not have to be of the same make as the dealership. In other words, you can bring your Chevy to a Ford dealer for PDR work.
Do it yourself paintless dent repair is easy.
No it 's not. It requires training, skill, and experience. There are many who practice PDR techniques who crack or flake the paint, or who create ripples in the metal.
The PDR products sold on TV do the same thing.
No! Not even close. There's no good substitute for the art of PDR.
Scratch and dent repair are the same thing.
No. A ding is a small dent, which can often be repaired via paintless dent repair procedures. A scratch is an actual break in the surface of the clear coat or paint, requiring traditional body shop techniques, or touch up paint.
It's easy to learn how to repair dents on cars.
Maybe for some, but it's a skill that few master. Dent Wizard offers a great training program. The management and staff are top notch.
Tire Safety Piece
What kind of car do you drive? The wear and tear you put on a tire is proportionate to the weight and power of the car you drive. Some types of cars have types of tires specifically designed for them.
Where do you live? If you're located in a more rural area and do a lot of off-road driving, you might need tires that have more traction and resilience. Similar needs can arise if you live in an area that has lots of ice on the roads – you'll need tires designed for that environment, or that can easily handle snow chains. For that matter, plenty of tires are designed to work best on dry pavement, perfect if you're in the city or suburbia.
How often are you willing to maintain your tires? Some types of tires might need frequent rotation or replacing – which is difficult for people who are more interested in getting in and driving away.
There are many other features to look for in tires as well. First, if you're looking at older tires, try not to buy anything more than six years old. Second, check your owner's manual to see what tire size is recommended for your automobile. Third, when you're looking at the environment where you live, as mentioned above, you might want to check with a dealer to see what type of tread is typically used for that area.
It's also a good idea to have some idea of the standards for federal tire quality grading. All new tires have a paper with their federal grading molded into their sidewall. This system is not the same as a safety rating, but it does provide a means of comparison between different brands of tires.
The three categories within this system are treadwear, traction and temperature resistance. "Treadwear" uses a 100-point scale to determine how long a tire would last while driven on the same road by the same driver for a period of time. "Traction" uses grades of "A," "B" and "C" to determine how well the tire would be able to stop on a wet road. Finally, "Temperature Resistance" also employs an A-B-C scale to determine how well a tire might respond to overheating from being driven at a high speed.
For more information about determining which type of tire is right for you, there are special guides available regarding tire safety and maintenance. A Consumer Guide to Uniform Tire Quality Grading, is available free from the National Highway Traffic Safety Administration. This guide lists the grades of all tires and will help you compare various brands. To obtain a copy, write to NHTSA, General Services Division (NAD-51), 400 7th Street, S.W., Washington, D.C., 20590.
Taking Care of Your Car and Brakes
Look after the engine too. Avoid opening the bonnet unnecessarily so that it doesn't get exposed to too much dust. Check the oil and water to ensure that it remains topped up for the efficient functioning of the vehicle. If you suspect that there is something wrong with the engine don't be tempted to repair it yourself. Rather let a qualified mechanic check it and repair it for you.
Take care of the wheels and tyres. Make sure that you have the tyres inflated regularly to prevent it from running flat. This also optimises your driving if the tyres are sufficiently inflated. If you notice that he tread is low, then change the tyres. Don't drive with them for long as this could lead to the car not being able to come to a stop as quickly as it would with new tyres.
Check the brakes often especially when you notice something unusual. If you hear the brakes squeak or whistle, or feel that the brake pedal is spongy, then get it checked. There could be a problem with the brake elements such as the brake discs. Rather be safe than sorry when it comes to this car part.
In general, you should take your car for a service every year or when the set mileage is reached for your particular vehicle. During a service all the parts of your car will be checked to ensure that it is roadworthy and safe to drive. Keep a record of the car's service so that you build up a good history. This will serve you well when you want to sell the car. It will increase the value of your car, especially if you take good care of it.
Report Problems to Your Mechanic
In the same way, take careful note of the behavior of your car. Remember both the changes in the car's behavior, as well as any associated noise that happens at the same time. For example, the simple problem of a flat tire has a distinct flapping noise, and is also accompanied by a very definite steering problem. Not all problems have both components. One of the first signs of a CV joint problem is a simple clicking noise as the car makes a sharp right hand or left-hand turn. However, many car problems have both a behavioral and sound component to them, so listen carefully and feel for any differences in the running of the car. (If a CV joint problem is left unattended, there can be a significant performance difference when one wheel seizes up and no longer turns, but we hope that the car is not left to get into that condition!)
In addition to this, try to describe precisely when and where the changes to your car happen. For example, the CV joint problem above only happens when the car is taking a turn. Furthermore, pinning down the location of the clicking noise will indicate which CV joint is having a problem, whether it's on the right hand side or the left-hand side. It is important for the mechanic to know that some problems only occur after the car has been driving for 10 minutes, or occur just as the car starts and then goes away, or other time dependent behavior.
Try to be as descriptive as possible when talking about the problem, even if it seems a little foolish. The old joke about a lady talking to her mechanic, and describing a sound like a bowling ball rolling around in the trunk, only to find that it was actually a bowling ball rolling around the trunk. However precise description is of great benefit. If the noise sounds like marbles in a cardboard box, or a bunch of safety pins dropping on the floor, say so. One of these phrases may cause an "aha" moment for the mechanic and make the diagnosis problem really easy.
A list of common descriptive sounds that might be applied to a car are: clicking, squealing, growling, whistling, thumping, humming, chirping, rattling, or knocking. Smells that might be reported to your mechanic are: burning oil, burning plastic, a putrid smell, or other strong or slight smell. Finally, if anything seems unusually hot to the touch that should also be reported to the mechanic. (Do NOT touch metal components on a running or just turned off car with your hand! They can easily be hot enough to burn you.)
Avoid Car Repair Scams
The first and most important tip I can give you is to seek recommendations from people that you know before taking your car in for repair. Word of mouth is a very powerful advertising medium and it works both ways, most people will take pleasure in telling you who to avoid if they have had a bad experience with someone in particular. Ask around your workplace, talk to family members, even your neighbors may be able to shed some light on who will look after your car well and not charge an arm and a leg for it.
Be wary of auto repair workshops that advertise cheap oil changes with a safety check of your vehicle thrown in for free. Sure there is honest mechanics out there that are genuinely concerned for your safety and don't want to see you driving an unsafe car but there is also some out there that use this tactic to first get you to bring your car to them and then do their best to find thousands of dollars worth of work that just has to be done before you drive the car from the shop. Think about it, in business do you think you would be wise offering something for free if there wasn't anything in it for you? Even if it is a vehicle safety check that takes half an hour at the most to complete.
The third tip I can give you is to be aware of what parts are being used on your vehicle and the markup that comes with those parts. Many workshops will insist on using genuine parts only, that is parts from the manufacturer of your particular vehicle. Unless your car is still under the factory warrantee there is no real reason not to use aftermarket parts when they are available. The aftermarket part is usually a lot cheaper and more often than not the warrantee on these parts equals or exceeds the genuine part warrantee anyway.
Spare part markup is another area where we can stand to save ourselves some money. When a mechanic buys a part there is a recommended retail price that goes with that part. However that is only a recommended price and if the dishonest mechanic can get away with charging more you can bet your life they will. Before agreeing to having the repair carried out ask your mechanic what markup they charge on their parts and if they are honest they will have no trouble answering your question.
So there you have just a few ways that we can help protect ourselves from car repair scams. I wish I could say that all workshop owners are honest but I can tell you hardly a day went by that we weren't listening to customers complaining about the price and the service they received from certain mechanics. It is a shame that these people don't realize that they are shooting themselves in the foot when ripping people off as the word soon gets around and as I said word of mouth is a very powerful advertising tool, both in a positive way and a negative way.


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Google has idled its mergers and acquisition machine, with the company reporting the lowest deal activity, by value, in six years.
According to Google's 10Q quarterly earnings report, filed Thursday, Google's acquisitions in the first nine months of 2015 totaled $US250 million.
For a company like Google, which has $US72.8 billion in cash and short-term securities on its balance sheet, and which in recent years has been known to acquire companies at a pace of one a week, this is a significant slowdown.
What's more, none of the deals struck so far in 2015 were big enough that Google was required to break out the price it paid.
By comparison, in the first nine months of 2014, Google spent $US1.1 billion on non-named acquisitions, plus $US2.5 billion on smart appliance maker Nest, $US517 million on Dropcam, and $US478 million on satellite company Sky box Imaging.
That was clearly a big year in M&A for Google. But the company generally spends a hefty amount on deals in recent years. To wit:
- 2013 (first nine months): $US369 million in non-named M&A, plus $US969 million for Waze
- 2012 (first nine months): $US1.1 billion in non-named M&A, plus $US12.4 billion for Motorola Mobility
- 2011 (first nine months): $US502 million in non-named M&A, plus $US676 million for ITA Software, $US151 million for Zagat, $US114 million for Daily Deals Gmbh
- 2010 (first nine months): $US626 million in non-named M&A, plus $US179 million for Slide, $US681 million for AdMob, $US123 million for On2 Technologies
None of these numbers include equity investments from Google or its venture arm, Google Ventures.
The M&A slowdown comes as Google has transformed itself into the Alphabet holding company, which separates various Google projects such as fibre-based Internet access and Nest into separate companies.
It also comes as new CFO Ruth Porat has taken steps to make Google more disciplined about its spending, and to return some cash to shareholders through buybacks.
Stock buybacks, slowing M&A. Perhaps this is the new Google. Or perhaps Google is just taking a breather on its acquisitions to digest all the companies it has swallowed up over the years.
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subset: commoncrawl


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SCOM 2007 R2 evaluation expired
We installed SCOM 2007 R2 trial before, but now it says the license is expired. Is there any way to renew the license so that we dont have to re-install SCOM 2007 R2?
May 9th, 2012 4:59am
pls refer to the blog http://blogs.technet.com/b/momteam/archive/2008/03/07/upgrading-evaluation-versions-of-opsmgr-2007-to-fully-licensed-version.aspx Roger
Free Windows Admin Tool Kit Click here and download it now
May 9th, 2012 12:18pm


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Introductory Circuit Theory pp 203-214 | Cite as
Three-Phase Circuits
The sinusoidal waveform, at a given frequency, is characterized by its amplitude and phase. In a single-phase source we studied so far, it is assumed that a sinusoidal wave is the input. However, keeping the amplitude the same, a source with three sinusoidal waveforms differing in equal amount of phase turns out to be better for electric-power generation, transmission and distribution systems, and in various other practical applications. The resulting circuits exhibit symmetry both with respect to geometrical structure and element values. Circuits with three sources differing in phase by 120∘ and of the same amplitude, called three-phase circuits, are mostly used in electrical power systems.


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- +351 213 652 600
- +351 213 632 105
- Send Mail
Marcelo Sousa Silva
Grupo GHTM: Vector-borne diseases and pathogens (VBD)
Marcelo Sousa Silva has a PhD in Biotechnology (IST-UTL-Portugal, 2006), MSc in Biotechnology (USP-Brazil, 2001) and Graduation in Pharmaceutical Sciences (UFRN-Brazil, 1999). During his degree, he was a Research Fellowship at the Instituto Butantan and at the University of São Paulo. He developed his Post-doctoral at the Centro de Biologia Molecular Severo Ochoa – Universidad Autónoma de Madrid (Spain, 2007) and at the Instituto de Higiene e Medicina Tropical – Universidade Nova de Lisboa (IHMT-UNL-Portugal, from 2007 to 2012). Currently, Marcelo Silva is an Assistant Researcher at the IHMT-UNL.
His major scientific contributions are focused on the experimental model of infection caused by Trypanosoma brucei (etiological agent of African trypanosomiasis or sleeping sickness/Nagana), Chagas disease and malaria.
He authored several international peer-reviewed papers, peer-reviewed papers presented in conference proceedings, and book chapters. He has one grant obtained from Seventh Framework Programme 2012-2016 (FP7 – European Commission), two research projects supported by FCT (PTDC/CVT/102486 and PTDC/CVT/72624/2006), one bilateral cooperation research project supported by FCT-Portugal and Capes-Brazil, and one multilateral programmes and scientific network consortium supported by CYTED (2010 – 2013).
Finally, he has supervised fifteen master dissertations and currently supervises three PhD and three Master students.
ORCID ID: orcid.org/0000-0002-1000-0149
Researcher ID: F-9961-2011
See CV
- Immunopathology of infectious caused by trypanosomatids (Trypanosoma cruzi, Trypanosoma brucei and Leishmania spp)
- Vaccine development against neglected tropical diseases
- Development of diagnosis tests
- Clinical trials for development of drugs against neglected tropical diseases
Team: PhD Students – Maria Lina Antunes, Sónia Pestana, Jailson Querido, Yorleydy Ruiz Moreno
- Querido JFB, Echeverría MG, Marti GA, Costa RM, Susevich ML, Rabinovich JE, Copa A, Montaño NA, Garcia L, Cordova M, Torrico F, Sánchez-Eugenia R, Sánchez-Magraner L, Muñiz-Trabudua X, López-Marijuan I, Rozas-Dennis GS, Diosque P, Castro AM, Robello C, Rodríguez JS, Altcheh J, Salazar-Schettino PM, Bucio MI, Espinoza B, Guérin DMA, Silva MS. Seroprevalence of Triatoma virus (Dicistroviridae: Cripaviridae) antibodies in Chagas disease patients. Parasites & Vectors, 8: 29, 2015. Doi: 10.1186/s13071-015-0632-9.
- Costa RM, Nogueira F, de Sousa KP, Vitorino R, Silva MS. Immunoproteomic analysis of Plasmodium falciparum antigens using sera from patients with clinical history of imported malaria. Malaria Journal, 12: 100-106 , 2013.
- Querido JFB, Agirre J, Marti GA, Guérin DMA, Silva MS. Inoculation of Triatoma virus (Dicistroviridae: Cripavirus) elicits a non-infective imune response in mice. Parasites & Vectors, 6: 66-71 , 2013.
- Lança AS, de Sousa KP, Atouguia J, Prazeres DM, Monteiro GA, Silva MS. Trypanosoma brucei: immunisation with plasmid DNA encoding invariant surface glycoprotein gene is able to induce partial protection in experimental African trypanosomiasis. Exp. Parasitol., 127: 18-24, 2011.
- De Sousa KP, Atoguia J, Silva MS. Partial biochemical characterization of a metalloproteinase from the bloodstream forms of Trypanosoma brucei brucei parasites. Protein J., 29: 283-289, 2010.


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People queue outside a currency exchange office in Geneva. REUTERS/Pierre Albouy
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Headhunters believe the Swiss National Bank's decision to scrap its currency ceiling could result in a flight of hedge fund and asset managers from the country if the Swiss franc continues to strengthen.The spike in the value of the Swiss franc equates to an effective pay cut for hedge fund and asset managers who have moved to Switzerland and are paid in a non-domestic currency, typically dollars or pounds.Leo Meggitt, a partner at Forster Chase, a headhunting firm that specializes in fund management, said: "A lot of people were already looking to leave Switzerland at the end of last year and this will intensify that shift.


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Tax Insight: For Tax Year 2014 and Beyond, 3rd ed. Edition (2015)
Part III. Investment Income and Deductions
Chapter 15. Retirement Investment Strategies-Alternatives
Non-Traditional Tax Strategies for Saving for Retirement
In addition to the traditional tax-sheltered retirement accounts discussed in Chapter 14, there are many alternative options available for individuals to invest for the future in ways that bring tax benefits. Excellent means of doing this are through Roth IRAs, Roth IRA conversions, and Non-Deductible IRAs as discussed in Chapter 10. Another way is through life insurance products, such as annuities and cash-value life insurance policies.
Some strategies are best for people who have already contributed the maximum amount available to them in the traditional retirement accounts. Other strategies are focused on finding alternative investments to the traditional stock-market-based options. A few strategies combine the two. While there are many tax-preferred opportunities for alternative retirement savings strategies, there are four in particular that I cover in this chapter:
· Self-directed IRA accounts
· The secret of Health Savings Accounts
· Deferred compensation and defined benefit plans (pensions)
· Livestock, agriculture, and land
Self-Directed IRA Accounts
All retirement accounts are maintained in the name of a custodian. A custodian exists, in part, to assure the IRS that you have not tapped into your accounts during the year (thus triggering taxes and, possibly, penalties). In addition, these custodians often assume a level of fiduciary responsibility. As a fiduciary, they limit the investments that you can choose from so that they are not held liable for allowing you to invest in something "crazy." For example, traditional custodians would not allow you to use money in a retirement account to invest directly in a piece of real estate or to buy shares of a non-public corporation.
A few custodians, however, offer what is called a self-directed IRA. In this case the custodian withdraws its fiduciary responsibility and allows you to choose the investments that you think are appropriate. With this option, you can take the money that is in your IRA—or in a 401(k) from a previous employer that you roll into an IRA—and use those funds to purchase investment property, precious metals, or even a new business. The ability to use these funds in such a way opens your investments up to significant risks, but also offers two great benefits that would not otherwise be available.
The first benefit is probably obvious from what has been said so far. You are able to invest the money in your retirement savings account in almost any way that you feel is best. You can choose the investment that you think will bring the greatest success in preparing for your future needs, and you have a source of money to make such investments that would not have otherwise been available to you.
Example Chelsea has not been happy with the results of the investments she has made in her retirement accounts. For a long time she has wanted to invest in real estate— believing that she could have better results from owning rental property than from owning shares of a mutual fund. However, all of the money that she has available to invest is tied up in her IRA account and her IRA custodian does not allow direct investments in real estate. If Chelsea were to move her money to a custodian that offers self-directed IRAs she would be able to use the money in her IRA to purchase property and begin building her rental portfolio.
The second benefit may not be quite as obvious, but could prove even more beneficial. Since the real estate (or business) is held within an IRA, all income and gains on the investment are tax-deferred. You don't need to pay taxes each year on the rental or business income—it is deferred to a future time. You keep the income within the IRA account and reinvest it elsewhere, or have it in reserve for future expenses.
Even more exciting is that when you decide to sell the property or business and buy another, or even if you just keep the gains and invest in something else, it isn't necessary to deal with the headaches of a 1031 exchange (to avoid taxes on real estate) or pay capital gains. Because of this, the timing of buying and selling assets can be when it is optimal to do so, without having to figure in the effect of taxes or be tied down to the strict timing connected to 1031 exchanges.
Example After 15 years, Chelsea has been able to use the cash flow from the rental property in her IRA to purchase two additional properties. She has not needed to pay any taxes on the income and, instead, used the money to reinvest in other opportunities as they have arisen.
At this point in time she believes that there are some looming problems with the neighborhood of the first property a-nd wants to sell the house before the market values in the area decline. The great news for Chelsea is that when she sells the house she will not have to pay any taxes on the gain and can use the entire proceeds from the sale to reinvest in another home when she finds the right deal.
Of course, you must use great prudence and caution when investing your retirement savings. It would probably be best to not "put all of you eggs in one basket" by using all of your money to buy one property or one business. You must also be aware of the many risks that are inherent in real estate, including a measure of illiquidity.
It is very important to recognize that the IRA owns the asset. It is critical that you keep your non-IRA money (as well as your time and labor) separate from every aspect of the ownership in the real estate or business. For example, if you need to make repairs or replace the roof of a rental property, the money to fund these projects must come from the IRA. Otherwise, if you pay for anything out of pocket, it is considered a contribution to your IRA (subject to all of the maximum annual contribution limitations and income thresholds of an IRA). Putting more money in the IRA than the contribution limits allow subjects you to an annual penalty tax. Therefore it would be wise to have a significant portion of your IRA money in reserve (not invested in the property) so that you are free to make adjustments as needed.
You must also need to be aware of some special rules regarding self-directed IRA that limit your involvement in the investment. For example, in the case of rental real estate you must use an independent property manager to receive the income from the property and pay the expenses. You are not allowed to touch the money in your IRA; otherwise it is considered a distribution, and in this situation any money involved in the investment would count. The property manager would collect income and send it to the IRA custodian and would bill the custodian for the property's expenses. The custodian will also charge a fee for this service. You are allowed to have control over the property manager; you just can't touch the money. The rules for owning a business within an IRA become even more complicated. Your involvement in the business must follow strict guidelines. When investing in a business or rental property, it is critical that you work with an experienced and competent tax professional who can guide you through all of the potential land mines.
With all of that said, the tax benefits of a self-directed IRA can be enormous. If you have sufficient funds in a Roth IRA, the benefits from self-directing can be even greater because a Roth IRA can lead to tax-free income in your retirement. Investments in a small business or portfolio of rental properties within a Roth IRA could eventually lead to a retirement with a steady stream of tax-free income that is withdrawn at whatever pace you deem appropriate.
The Secret of Health Savings Accounts
The main purpose of Health Savings Accounts (HSAs) is to encourage individuals to choose higher-deductible health plans and save for future medical expenses. It is believed that the more a person is paying for medical expenses from his or her own account (instead of with the funds of an insurance company) the more careful the person will be. This in turn would lead to lower medical costs overall. In addition, if people have saved significant amounts of money for their own health care needs they will likely be less dependent on the government to cover those expenses in the future. For these reasons the government has created tax incentives to save for medical expenses, including the HSA.
The general concept of how an HSA works is that you receive a tax deduction for making contributions, the growth is tax-deferred, and if the funds are used for qualified medical expenses they are tax-free when withdrawn. It is like the best features of a Traditional IRA and Roth IRA combined—deductible contributions and tax-free withdrawals. HSA accounts are the best tax-saving opportunity around. While all of the ins and outs of HSAs are discussed in detail in Chapter 26, there is one specific aspect of an HSA that I want to discuss in this chapter as it pertains to alternative retirement strategies.
Generally, HSAs are intended to help pay for medical expenses and you will be penalized for using the funds for other purposes. However, once an individual reaches retirement age (59½), he or she can make non-medically related withdrawals from the HSA and they will be treated the same as a withdrawal from a Traditional IRA (meaning the money is taxed, but there is no penalty for using the funds for non-medical purposes). If you don't need the HSA money for medical expenses, but do need an additional funding source for your retirement, you have an additional resource available to draw upon.
This rule is made even more beneficial by the fact that contributions to an IRA or 401(k) do not limit your ability to contribute to an HSA. If you have made the maximum contribution to an IRA, an HSA could be a great way to significantly increase the contribution you can make to an IRA-like account each year. In addition, HSA contributions have no high-income cap. High-income earners, who might not be allowed to make contributions to an IRA can contribute to HSAs no matter what their Adjusted Gross Income (AGI) happens to be.
Example Maggie earns $250,000 per year. She contributes the maximum amount to her 401(k) each year, but cannot contribute to an IRA because her income is too high. She is also subjected to many phase-outs for deductions and credits because of her high income and does not have many ways available to her to reduce her tax burden. However, Maggie is able to contribute to an HSA account and receive the full deduction because there are no income limits on HSA contributions and they are not affected by other contributions to retirement plans. The HSA provides a great opportunity for Maggie to put more money away for retirement and reduce her taxes.
Stan is married and works for a small business that does not offer a retirement plan. Stan is 55 and wants to put as much money into retirement savings as he can, but his only option is to invest in an IRA that has a pretty low maximum contribution per year. Stan could more than double the contributions he makes to his IRA by also funding an HSA account.
The maximum contributions to an HSA that are allowed each year are set by the IRS and increase annually, based on inflation. Table 15-1 shows where the annual contribution limits are currently set.
Table 15-1. Maximum Allowable HSA Contributions in 2014
Tax Year
Younger than 50 Years Old
Age 50 or Older
HSAs present a tremendous opportunity for individuals to capture significant tax savings, both when the contribution is made and when the funds are withdrawn. They are governed by special rules, so be sure to read more about them in Chapter 26 before investing. I have found, though, that even under these rules the HSA is one of the greatest gifts that Congress has given the American taxpayer in decades—and that the HSA is also one of the tax world's best-kept "secrets."
Deferred Compensation and Defined Benefit Plans (Pensions)
Business owners have an opportunity to shelter a significant amount of income by deferring compensation through defined benefit plans, or what some people refer to as pensions. Most employer retirement plans are based on defined contributions—meaning an employee can contribute up to "X" amount and the employer will, in turn, match those contributions by a fixed amount as well. In such plans there is no guarantee of what the value of an employee's account will be upon retirement; the contributions are made and the end result is completely dependent upon the performance of the investments made in the account.
In contrast, a defined benefit plan is based on the projected outcome and not as much on the amount of contributions made. Each year the plan is subjected to actuarial scrutiny to determine what contribution needs to be made in order to meet a predetermined retirement income. Based on that projected income and the number of years until the planned retirement, the actuary will determine what the contribution for each employee needs to be.
With defined contribution plans—such as a 401(k)—there is a fairly low ceiling set for allowable contributions ($17,500 by the employee and $52,000 total between the employee and employer). If an individual wants to put more money into a retirement plan, his or her options are fairly limited beyond that amount., With a defined benefit plan, however, the total allowable contribution can be as high as $210,000 in 2014! That is a significant difference, and, for the older business owner who wants to put away as much as possible, the defined benefit plan offers a great opportunity to do so.
The reason that the contribution limits are so high for these plans is that you are required to meet a fixed future benefit. If there are not sufficient funds in the plan to meet that benefit there must be flexibility in contributing significant amounts of money in order to make up for the shortfall. However, an individual cannot just arbitrarily decide to contribute the maximum amount each year—the contribution must be determined by an actuary, based on several assumptions.
Tip The ideal situation in which to use a defined contribution plan is when the owner of the business is nearing retirement and his or her employees are few in number and young in age. This scenario allows for the highest possible contributions for the owner, with very limited contributions required for the other employees.
A significant downside to a defined benefit plan is that whatever the required contributions are in a given year, they must be made, regardless of whether the business was profitable in that year. This can pose a significant hardship for businesses that have cyclical ups and downs in their revenue, or that have a sudden downturn in their revenue stream. Defined benefit plans are much better suited to businesses whose revenue streams are relatively steady and predictable from year to year.
Tip Though contributions to the plan are required each year, there is a certain amount of flexibility allowed in how those contributions are determined. An actuary has to make assumptions about the projected growth rate of investments, the individual's retirement age, and the income stream needed in retirement. Each of these assumptions can be adjusted up or down within a reasonable range, depending on the need for the contribution requirement to be increased or decreased.
Livestock, Agriculture, and Land
In Chapter 10, I wrote about creating a tax-free income stream through investing in livestock or agriculture, by creating a source of food for your family that you do not have to purchase with taxable income. These are also potential opportunities for tax-preferred retirement investments that allow you to contribute as much money as you desire each year into building a herd or orchard and defer the income to a future year. When you do begin to draw upon these investments, you are able to do so at the rate that you choose, instead of being forced to withdraw specified minimum amounts.
As an example, let's examine the idea of developing a herd of cattle. I am not a rancher, but from what I am told a herd can triple in size every 3–4 years. Each cow can be bred and nurture a calf every year, and a new calf can be bred when she is 18–24 months. Depending on the breed, cows can mother a new calf each year for 15–20 years. Assuming half of the newborn calves are male and sold off, and the females are kept to build the breeding herd, the size of the herd would grow at around 37% per year. At this rate of growth, the original herd of 20 cows would turn into around 360 in 10 years, 1,700 in 15 years, and more than 8,000 in 20 years (by which time the original 20 cows are no longer breeding). Of course, you would need to have a lot of land for that many cows. Also, the cows are worth more when they are younger (but not calves). But it gives you an idea of the growth potential available. See Figure 15-1 for a visual representation of how quickly a herd can grow.
Figure 15-1. Tax-deferred growth of a cattle herd from 20 original cows over 20 years
The great tax news that comes from such a scenario is that the growth in the cattle herd is tax-deferred—you don't pay any taxes on the new cows as they are born. You only recognize income when you sell the cows. If you are 10 years from retirement and in a high income tax bracket, you could put money into raising cattle for 10 years and not recognize any significant amount of income from the growth of the herd until you are (presumably) in a lower tax bracket in retirement. At that point you can sell off the herd over a period of time (in order to keep your income down), or even maintain its size and sell only the increase in size as a nice supplement to your retirement income.
In addition to the tax-deferred growth of the herd, you are also able to deduct many of the expenses, such as feed, fertilizer, and other supplies, as they occur. These deductions can help offset any income that you receive from selling male calves or other incidental items. Immediate deductions, coupled with tax-deferred growth and the ability to choose the timing of income recognition, combine to form a fairly significant tax savings opportunity. The opportunities presented in this example of a cattle herd can be repeated with other animals as well, such as sheep or alpacas. The possibilities don't stop with animals, either.
There are similar opportunities for tax deferral in planting trees. I know a few individuals who have built great wealth (mostly tax-deferred) through lumber. They purchase a large tract of land with mature trees, and then harvest enough trees from the land that the profit from the trees covers the original cost of the land. At that point they own the land free and clear, plant new trees to grow for future years, and sit back while the value of the land grows (literally) over the years, all tax-deferred. It takes a long time for new trees to develop into mature trees that are large enough to bring a significant price when they are harvested—but if you have the time it is a great way for your wealth to grow and have complete control over how and when it gets taxed.
Fruit and nut trees offer a similar opportunity, but on a shorter time scale. Most fruit and nut trees take 5–8 years to begin producing a full harvest. If you are about that far from retirement, or from lowering your income into a better tax bracket, planting an orchard could be a great way to invest money now and reap tax-preferred benefits later (while deferring all the taxes on the growth in the value of those trees).
Finally, another asset that is great for tax-deferred growth is land. Real estate has proven to be one of the most reliable investments for long-term growth. Real-estate taxes that you pay on investment property are tax-deductible each year, and the growth in the value of the land is deferred until you sell it. In fact, there are ways to sell real estate and roll the proceeds into another property without paying any tax. And when you eventually sell the land it is taxed at capital-gains tax rates as long as you have owned it for more than one year. Real estate happens to be one of the favorite investments of wealthy members of Congress, as well—which should probably tell us something about its current tax benefits and the security of maintaining those benefits in the future.


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Adam Summers
Senior Policy Analyst, Reason Foundation
Adam Summers is a senior policy analyst at Reason Foundation, a nonprofit think tank advancing free minds and free markets. He has written extensively on privatization, government reform, law and economics, and various other political and economic topics.
Summers' articles have been published by the Los Angeles Times, San Diego Union-Tribune, Orange County Register, Los Angeles Daily News, Baltimore Sun, and numerous others.
Summers earned an M.A. in Economics from George Mason University and Bachelor of Arts degrees in Economics and Political Science from the University of California, Los Angeles.
Gay Marriage on California's November Ballot
The state shouldn't be in the marriage business at all
California's High-Speed Rail Plan Wildly Overestimates Ridership Numbers
Real costs of rail are downplayed
San Diego Can Benefit from Private Trash Collection
Private sector already handles over 75 percent of nation's garbage collection
Taco Wars in Los Angeles
Government seeks to help restaurants by chasing away taco trucks
Opening CalPERS to Private Accounts Is a Bad Investment
Should the state manage retirement plans for private-sector employees?


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Rough endoplasmic reticulum membrane synthesis
Synthesis membrane endoplasmic reticulum rough. Upon a superficial view, this cause seems sufficient to produce the effects which are ascribed to it; and the system of human nature seems to be more simple and agreeable when all its different operations are thus deduced from a single principle. I have been informed by his family and friends, that he was a proud, passionate, spoiled child, and that the immediate exciting causes of his derangement were these. It was connected, according to the notions of those times, with generosity, sincerity, magnanimity, loyalty, and proved that the person who acted in this manner, was a gentleman, and not a puritan. The borrowed philosophy of Dante and Lucretius is perhaps not so interesting, but it injures their form less. We do not affect to condole or whine over their follies; we enjoy, we laugh at them till we are ready to burst our sides, '_sans_ intermission, for hours by the dial.' We serve up a course of anecdotes, _traits_, master-strokes of character, and cut and hack at them till we are weary. From speculative pursuits we must be satisfied with speculative benefits. There is the most perfect correspondence between his sentiments and our own, and at the rough endoplasmic reticulum membrane synthesis same time, from our experience of the common weakness of human nature, it is a correspondence which we could not reasonably have expected. Let us perfect ourselves in all the minuti? The man who first distinguished a particular object by the epithet of _green_, must have observed other objects that were not _green_, from which he meant to separate it by this appellation. Simancas, Bishop of Badajos, who was a little anterior to Villadiego, speaks of it as a generally received axiom that scarcely any criminal accusation could be satisfactorily tried without torture.[1500] This is confirmed by the account recently discovered by Bergenroth of the secret history of the execution of Don Carlos, for, whether it be authentic or not, it shows how thoroughly the use of torture had interpenetrated the judicial system of Spain. It stands alone and by itself in the imagination, and refuses to be grouped or confounded with any set of objects whatever. If, in the situation of the weak man, on the contrary, there were more circumstances which were the natural objects of choice than of rejection; his whole situation became the proper object of choice, and it was his duty to remain in it. But could he have clutched them all, and melted them into one essence of pride, the triumph would not have been lasting. Defoe's romance is the finest possible exemplification of the manner in which our internal resources increase with our external wants. Gabb within the time he devoted to the study of the language; or that they are in modern Bri-Bri, which I have shown is noticeably corrupted, survivals of these formations, but are now largely disregarded by the natives themselves. Yet it was not affected in her, but natural, involuntary, incorrigible. All the higher animals seem to share with us this highly useful capability of immediate and instantaneous recognition. We have only to 'throw our bread upon the waters, and after many days we shall find it again.' Let us do our best, and we need not be ashamed of the smallness of our talent, or afraid of the calumnies and contempt of envious maligners. They must all drink continually at the fresh springs of reality. The sagacity of St. Take the example of a child to whose welfare the attention of the parent is constantly directed. For a moment we look upon them both as the authors, the one of our good, the other of our bad fortune, and regard them in some measure as if they had really brought about the events which they only give an account of. Ruth, who was in the thirteenth month amused at seeing her new mittens put on, showed amusement about the same date when her pink bonnet was put on her aunt's head. Flynn, an Irish lady who had been brought before a magistrate for assaulting her husband, and commiserated by that compassionate functionary on her sad plight with one eye closed and the head bandaged: "Och, yer worship, just wait till yez see Flynn". Nothing on record. If he had read his Bible as his great-grandparents used to do, he would have realized that to fill the table at the wedding feast of literature and life a simple invitation sufficeth not. Now, there may be some here who, wondering at my classification of the Hoosier poet, are saying to themselves, "Was Riley also among the Realists?" And I ask in turn, why has Realism come to connote a proportion of things that do not enter at all into the lives of most of us? When the moon is in the equinoctial, the superior and inferior tides are of the same height, but when the moon declines towards the elevated pole, the superior tide is higher than the inferior. These remarks were introduced only to assist in giving the books of Mr. Here, again, is a false simplification. If death resulted, the accuser was delivered to the relatives of the deceased to be likewise put to death; the judge who had permitted it through collusion or corruption was exposed to the same fate, but if he could swear that he had not been bribed by the accuser, he was allowed to escape with a fine of 500 solidi. 32): Like to an almond tree y-mounted rough endoplasmic reticulum membrane synthesis high On top of green Selinis all alone, With blossoms brave bedecked daintily; Whose tender locks do tremble every one At every little breath that under heaven is blown. He made it his boast that he never sat with his hands before him, and yet he never did any thing. He, it, _b_—. On the contrary, he maintained that they had the advantage of being done 'with all his heart, and soul, and might;' that they contained his best thoughts, those which his genius most eagerly prompted, and which he had matured and treasured up longest, from the first dawn of art and nature on his mind; and that his subsequent works were rather after-thoughts, and the leavings and _make-shifts_ of his invention. There was some group of citizens, anxious to engage in some activity, beneficial to themselves and to the community. Some can absorb knowledge, the more tardy must sweat for it. Criminal lawyers were naturally loath to admit that it was decisive, for the corollary followed that if no bleeding occurred the suspect must be innocent, which was contradicted by the numerous cases in which an accused successfully passed through the ordeal and was subsequently proved to be guilty. Of the libraries approached, some accepted the offer without finding any fault with the feature just noted; others refused to have anything at all to do with the plan; still others accepted on condition that the last page should be so altered that the reader could see clearly that it contained advertising matter. The conversation of authors is better than that of most professions. He must have expert aid in selection, but he must not allow his experts to select the library uncontrolled. This is indisputable. The odoriferous body, which is generally too at some distance from us, is supposed to act upon our organs by means of certain small particles of matter, called Effluvia, which being sent forth in all possible directions, and drawn into our nostrils by the inspiration of breathing, produce there the Sensation of Smell. When Massinger's ladies resist temptation they do not appear to undergo any important emotion; they merely know what is expected of them; they manifest themselves to us as lubricious prudes. It is not so much the love of Castalio and Monimia which attaches us in the orphan, as the distress which that love occasions. With them all is well, if they are well off. But though every sort of step, gesture, or motion, even though performed to the time and measure of Music, will not alone make a Dance, yet almost any sort of sound, provided it is repeated with a distinct rhythmus, or according to a distinct time and measure, though without any variation as to gravity or acuteness, will make a sort of Music, no doubt indeed, an imperfect one. He must be quite aware of the obvious fact that art never improves, but that the material of art is never quite the same. By Inflection. It illustrates, however, degrees of fulness in the presentation of personality, and the finer art of drama may produce its impression of a concrete person very much as a skilful painter does within the limits of a rough sketch by a few master strokes. But _nefer_ had several other significations in Coptic. A direct, or simple prose-style seems to him bald and flat; and, instead of forcing an interest in the subject by severity of description and reasoning, he is repelled from it altogether by the absence of those obvious and meretricious allurements, by which his senses and his imagination have been hitherto stimulated and dazzled. There are innumerable other considerations which serve to confirm the same conclusion. To do any given work, a man should not be greater in himself than the work he has to do; the faculties which he has beyond this, will be _faculties to let_, either not used, or used idly and unprofitably, to hinder, not to help. They translated, therefore, into the Arabian language, and studied, with great eagerness, the works of many Greek philosophers, particularly of Aristotle, Ptolemy, Hippocrates, and Galen. I prefer to turn to some of the less esoteric productions of the native muse, to some of its expressions of those emotions which are common to mankind everywhere, and which everywhere seek their expression in meter and rhythm. And if there had been no other bodies discoverable in the heavens, besides the Sun, the Moon, and the Fixed Stars, this hypothesis might have stood the examinations of all ages and gone down triumphant to the remotest posterity. If it acts simply to approve what the librarian does and to see that he gets the necessary funds, it is regarded as ideal. I imagine not. This rough rendering has been put into metrical form as follows: A MODERN AZTEC LOVE-SONG. He appealed to the Parlement of Toulouse, which after a patient hearing sentenced him to the wheel, and to the _question ordinaire et extraordinaire_, to extract a confession. THE EXPLOITATION OF THE PUBLIC LIBRARY[11] Two and a half years ago; or, to be more exact, on January 22, 1909, in an address at the dedication of the Chestnut Hill Branch of the Free library of Philadelphia, the present writer used the following words: "I confess that I feel uneasy when I realize how little the influence of the public library is understood by those who might try to wield that influence, either for good or for evil…. Since more things are capable of being proved untrue than ultimately true, it follows that as a criterion of conduct its value is chiefly negative.


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The Machilipatnam Lok Sabha seat has been a Kamma bastion for long until the TDP wrested it from the Congress in 1983.
The caste equation has influenced every election in Machilipatnam and the upcoming Lok Sabha polls will be no different, say experts. This time, it is a Gowda (a backward caste) versus Kapu batte in this coastal constituency of Andhra Pradesh as sitting Telugu Desam Party (TDP) MP Konakalla Narayana Rao's (Gowda) main challenger will be the YSR Congress's Vallabhaneni Balashowry (Kapu). In the weeks leading up to the polls, the war of words has intensified between the two camps. It started with TDP leaders calling Balashowry a "migratory bird" as he had earlier contested the Lok Sabha polls from Tenali and Guntur and is a non-local candidate.
In return, Balashowry has charged incumbent MP Narayana Rao (he won the seat in 2009 and 2014) with failing to bring a single project in the region. On a number of occasions, Balashowry has mocked the TDP government in the state for not being able to commission the Machilipatnam Deep Sea Port project, which it had promised to complete by 2019. Narayana Rao has been attacked by opposition leaders repeatedly since 2015, when he was blamed for the midnight decree passed for land acquisition for the Machilipatnam industrial corridor.
Fifty per cent of Machilipatnam's population is made up of the backward castes which account for around seven lakh voters in this LS segment. There are about 2.5 lakh (17%) Scheduled Caste (SC) voters here, followed by 2.03 lakh (13.8%) Kapu voters and 1.07 lakh (7.3%) Kamma voters. A day before campaigning came to an end here on Monday, presidents of the TDP and the YSR Congress — N Chandrababu Naidu and Y S Jaganmohan Reddy respectively — addressed public meetings in Machilipatnam town.
As many as 12 candidates are in the fray for the Machilipatnam Lok Sabha seat, including those from the Congress, BJP and new entrant Jana Sena. The Machilipatnam Lok Sabha seat has been a Kamma bastion for long until the TDP wrested it from the Congress in 1983. Putting an end to the Kamma domination, the TDP has encouraged Kapu and BC community leaders from this seat. Experts believe the SC votes will decide the outcome of the poll contest here.
The Kapu votes are expected to be divided between the YSRC and Jana Sena aspirants. Jana Sena chief Pawan Kalyan's brother K Chiranjeevi had fought the 2009 Lok Sabha election with his Prajarajyam party and had found support among the Kapus. Machilipatnam, comprising the seven Assembly segments of Machilipatnam, Pedana, Gudivada, Gannavaram, Penamaluru, Pamarru and Avanigadda, has a total of 14.72 lakh voters. Since 1950, the seat has been held by the Congress on seven occasions. The TDP won it five times, while the Left and an Independent candidate won it once each.
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[Udemy 100% Free]-SSIS : Create a basic package and implement a lookup logic
Get 100% Free Udemy Low cost Coupon Code ( UDEMY Free Promo Code ) ,You Will Be Ready To Enroll this Course "SSIS : Create a basic package and implement a lookup logic" completely FREE For Lifetime Entry . Do Hurry Or You Will Have To Pay $ $ .
Basic information of Databases Basic information of RDBMS eg Microsoft SQL Server Publicity to visible studio Basic SQL information Course Period: 2 Hours
Course Teacher: Bluelime Studying Options
Language: English
Ranking: three.9
SSIS means that you can carry out a lookup on information in the midst of a job, utilizing referenced information from any OLE DB supply. It's a helpful function that lets you verify on the validity of knowledge, or interpret it earlier than continuing.
There is likely to be instances when growing a SQL Server Integration Providers (SSIS) package that you just wish to carry out a lookup with a purpose to complement or validate the information in your information move. A lookup permits you to entry information associated to your present dataset with out having to create a particular construction to help that entry.
Additionally Learn: [Udemy 100% Free]-Study MSBI , SSIS , SSRS and SSAS Step by Step
To facilitate the power to carry out lookups, SSIS contains the Lookup transformation, which offers the mechanism essential to entry and retrieve information from a secondary dataset. The transformation works by becoming a member of the first dataset (the enter information) to the secondary dataset (the referenced information). SSIS makes an attempt to carry out an equi-join based mostly on a number of matching columns within the enter and referenced datasets, similar to you'll be a part of two tables in in a SQL Server database.
As a result of SSIS makes use of an equi-join, every row of the enter dataset should match at the least one row within the referenced dataset. The rows are thought of matching if the values within the joined columns are equal. By default, if an enter row can't be joined to a referenced row, the Lookup transformation treats the row as an error. Nonetheless, you'll be able to override the default habits by configuring the transformation to as a substitute redirect any rows with out a match to a particular output. If an enter row matches a number of rows within the referenced dataset, the transformation makes use of solely the primary row. The way in which wherein the opposite rows are handled will depend on how the transformation is configured.
Additionally Learn: Introduction to SQL Server Integration Providers- SSIS
The Lookup transformation permits you to entry a referenced dataset both via an OLE DB connection supervisor or via a Cache connection supervisor. The Cache connection supervisor accesses the dataset held in an in-memory cache retailer all through the length of the package execution. You may as well persist the cache to a cache file (.caw) so it may be obtainable to a number of packages or be deployed to a number of computer systems.
On this course we are going to create an SSIS package and implement a lookup logic to it.
Who this course is for:
Freshmen to SSIS
Newbie information analyst
Newbie information scientist


text: #AZCardinals announced that the team has promoted TE Ricky Seals-Jones to the active roster from the PS and released LB Philip Wheeler.— Mike Jurecki (@mikejurecki) September 25, 2017Seals-Jones played four seasons for Texas A&M before joining the Cardinals in 2017 as an undrafted free agent. The 22-year-old rookie played as a wide receiver in college, but converted to tight end after signing with Arizona. Top Stories Former Texas A&M wide receiver Ricky Seals-Jones runs a drill during Texas A&M NFL Pro Day at the NCAA football team's indoor training facility, Thursday, Match 30, 2017, in College Station, Texas. (AP Photo/Eric Christian Smith) The Arizona Cardinals announced they have released linebacker Philip Wheeler and promoted rookie tight end Ricky Seals-Jones from the practice squad to the active 53-man roster Monday. The 5: Takeaways from the Coyotes' introduction of Alex Meruelo Former Cardinals kicker Phil Dawson retires Wheeler originally joined the Cardinals on July 27.The nine-year NFL veteran has 513 tackles, 133 games and 66 starts for the Colts, Raiders, Dolphins and Falcons on his resume. Last season for Atlanta, he recorded 28 tackles in 16 appearances.The move comes after tight end Jermaine Gresham was limited in practice all week and listed as questionable for Monday's night game against the Dallas Cowboys. Derrick Hall satisfied with D-backs' buying and selling Grace expects Greinke trade to have emotional impact 3 Comments Share


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Illinois Basic Skills Requirement
Basic Skills Exam: Praxis 5751, Core Academic Skills for Educators Tests
Prior to 8/8/2019: ACT, SAT, or ILTS Test of Academic Proficiency (TAP) (400), If passed before June 30, 2019;
ICTS Basic Skills (300), if passed between September 1, 2010 and December 21, 2011;
ICTS Basic Skills (096), if passed before September 1, 2010
Students may mix and match subtests of different exams to satisfy the basic skills requirement.
While the Illinois Department of Education no longer requires a basic skills exam for certification for applicants after 8/8/2019, WGU requires that all students in the Teachers College take and pass a basic skills test.
ACT & SAT Exam Option
Please email email@example.com for information about passing scores on the ACT/SAT. If using the ACT/SAT, a writing component must be included.
Visit these links for important information:
Submitting SAT/ACT Scores to WGU
Article Number : 19584, 1304


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Ave Maria Living.comAve Maria, Florida – the town with a Catholic heart.©™ Stories & information for residents & visitors.
Archive for Ave Maria Families
Craft brew: Two Ave Maria IPAs win accolades
Two of the men of Ave Maria – Hampton Village to be precise – entered their own home-brewed India Pale Ales (IPA) in a beer tasting contest held at Hurricane Grill & Wings in Estero, Florida. The contest included both professional and amateur brewers. Chris Buccheri's IPA earned 3rd place overall and Darryl Klein's brew came in 2nd place overall!
Micro-brewing in the United States has rapidly
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Adoramus te, Christe
Ave Maria is blessed to have adoration 24/7 during AMU's acadmic year, and presently from Wednesdays at 1:00 PM until just before the noon Mass on Thursdays. We still need adorers and subs (contact the parish). Maybe this video will inspire you.
He is the best marriage counselor, greatest teacher, powerful healer, and wisest friend. Find the peace that only comes from God. Jesus is calling you home to His mercy, healing love, and Sacred Heart. Come adore Christ in the Holy Eucharist.
The Adoration chapel is always open and He is always present there in the Tabernacle.
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Smalltown USA: Little League Champs, Knights of Columbus, Memorial Day Picnic at the Water Park
UPDATE: Here are some photos and a report about the party.
While Ave Maria has an obvious Catholic flavor, it's really a rebirth of small town USA. This post honors several American traditions.
Ave Maria's first rate little league fields in North Park now have a first rate Little League championship team to match. The Minor B Ave Maria Twins capped an undefeated season with a sweep through their league's championship tournament. The story is at the Ave Herald.
You can congratulate the boys and their dads when you see them at the town's Memorial Day party at the Water Park sponsored by the always patriotic Knights of Columbus – free admission and hot dogs! As we enjoy the long weekend, we can take some time to remember those who have given their lives to defend our God-given freedoms.
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Ave Maria celebrates Holy Matrimony
Wedding season in Ave Maria is a great opportunity to reflect on marriage. As our pope, St. John Paul the Great shared these thoughts on matrimony in Familiaris Consortio:
Being named after Saint John Paul the Great (a town where it's common, and 1 young John Paul who is attending the canonization)
On the eve of Divine Mercy Sunday when Pope John Paul II will officially enter the canon of saints of Christ's Church, many families in the town of Ave Maria are also planning a feast day for their sons – or their Sister! It is fitting that a town where one of the streets is named "Pope John Paul II Boulevard" – a town whose founding was inspired by that pope's "new evangelization" – has so many boys and young men named after that extraordinary man.
His papacy saw a rise in the popularity of the name "John Paul" for newborns in the USA as shown in this graphic, with spikes in popularity based on events in his life:
Of course not everyone bearing the name received it as a newborn boy. Sister John Paul, OP, who teaches in Ave Maria at Donahue Catholic, received the name when she entered Religious life.
Among the estimated dozen John Paul's in Ave Maria, several have provided photographs, below.
One lucky Ave Maria boy bearing the name is having the trip of a lifetime with his mother – they traveled to Rome to attend tomorrow's canonization ceremony! John Paul Allan's friends and neighbors have been able to follow his special pilgrimage via Facebook. Mrs. Allan owns a Catholic gift and book store and home school supply store called By Way of the Family that she named after a phrase from Saint Pope John Paul"s apostolic exhortation Familiaris Consortio: "The future of humanity passes by way of the family."
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23 children make First Holy Communion in Ave Maria
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Recent Herald stories: Ave Maria Water #1, Veterans home proposal, more
Since its founding in 2007, the town of Ave Maria has been able to consistently rely on one solid source for news: the Ave Maria Herald, a project of Pat Sette and David Shnaider, who moved their family to town in the beginning. We are fortunate to have them as part of our community. These are some of the stories in the Herald recently about Ave Maria:
Ave Maria Is a Potential Site for VA Nursing Home
Ave Maria Water Judged Florida's Best for 2nd time
Travis Curtright Honored with 2nd Laub-Novak Award
Laura Mastandrea Named to All-Area HS Soccer Team
Donahue Football Players Receive State-wide Awards
Former AMU Student Remembered as "Everyday Hero"


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Rambo T-Shirt
$ 17.99
The first two Rambo movies, First Blood (1982) and First Blood Part II (1985) launched a worldwide stream of ripoff action movies and has a massive cult following. John Rambo, played by Sylvester Stallone, is a trouble war veteran and skilled in weaponry and hand-to-hand combat who faces numerous challenges. First Blood Part II is the most well known movie that spawned numerous adaptations in video games, future films and parodies. Remember the action with this Rambo "Like a Boss" t-shirt.
This shirt may take 5-7 days to ship due to high demand.
Rambo T-Shirt is 100% licensed by American Classics and belongs in our T-Shirts category.
Find other Movies Online Only Rambo merchandise you will love!
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DeCarlo, Newton, Freethy and Dahlgren are winners
By Don Martin II Photography by Paul Gould
Reigning champion Nick DeCarlo has sent a message to his fellow All Star Series A Modified competitors at Antioch Speedway. He intends to hold on to the #1 position in the standings. On Saturday night, DeCarlo won his second-straight 20 lap Main Event on the 3/8 mile clay oval. Buddy Kniss led the early laps before being overtaken by DeCarlo. DeCarlo would lead the rest of the way for the victory. Kniss settled for a career-best second ahead of rookie Cameron Swank, David Zeiter and Gregg Allen McElhaney. John McDougall and Danny Wagner were eight lap heat race winners.
Shannon Newton got his season started off right with a 20 lap Wingless Spec Sprint Main Event victory. The race started off with a red flag when Kevin Box slammed the Turn 2 wall and rolled. When the race got going, Newton raced into the lead ahead of ageless veteran Roy Fisher and longtime Spec Sprint competitor Rick Panfili. The lead three ran that way through a pair of yellow flags all the way to the checkered flag. Mackenzie Newton finished fourth ahead of rookie Troy Ferry. Shannon Newton and Fisher were the eight lap heat race winners.
Jim Freethy returned and won the 20 lap Limited Late Model Main Event. Freethy is the 2013 champion He ran behind Mike Walko for the first 14 laps before making his move on the inside down the front stretch to take the lead. Freethy led the rest of the way to win with Walko and 2017 champion Kimo Oreta right behind him. Newcomer Mario Passantino settled for fourth ahead of Michael Burch. Freethy also won the eight lap heat race.
Scott Dahlgren emerged with the victory in an eventful 20 lap Dwarf Car Main Event. A few yellow flags and a red flag marred the action. Jack Haverty has suffered some of his hardest crashes in his visits to Antioch Speedway, and it happened to him again. After David Rosa led the first eight laps, Haverty took the lead in Turn 4. Haverty was leading the way and appeared as if he might be heading for victory when he encountered a spun car in Turn 3 on lap 15. Haverty made contact and flipped hard to end his race along with previous winner Danny Wagner. Devan Kammermann had the lead at that point. Travis Dutra made a late move around both Kammermann and Dahlgren for what would have been the lead, but Kammermann spun in Turn 4 to bring out the yellow and checkered flags. Scoring reverted back a lap, putting Dahlgren in the Winner's Circle ahead of Dutra, Troy Stevenson Jr, Chris Becker and Michael Curry. Kammermann and Wagner were eight lap heat race winners.


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Visualizing Big Data
Infographic Nov 11, 2019 | by Ruairi J Mackenzie, Science Writer for Technology Networks
There is more data around than ever before. There's just loads of it. In fact, arguably too much. This rise of Big Data has required a lot of changes in how we acquire and analyze data. But it has also forced us to improve how we visualize data. In this infographic we look at the scale of Big Data, and how we can use innovative graphics and even virtual reality to put it in perspective.
Download this infographic to discover:
- Why traditional data visualization tools are failing to capture the scope of big data
- New techniques that can effectively visualize big data
- How the limits of human perception come into play when visualizing big data
Download this infographic to discover what the microbiome is, why it's important and how we can learn more from harnessing the power of sequencing.READ MORE
The pharmaceutical industry is facing pressures to optimize the drug discovery phase of the drug development pipeline. One approach to doing this is by adopting automation. Download this infographic to learn more about the benefits of an automated drug discovery laboratory.
Download this infographic to learn more about LC-MS/MS, the processes involved in an experiment using a DIA approach and how DIA produces a higher number of quantified proteins in a shorter analysis period than DDA.READ MORE
Like what you just read? You can find similar content on the communities below.Informatics
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When Data Says "Stop"
News Dec 03, 2019


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Have you ever wondered what is the secret of eternal youth? This subject has been the subject of several films, stories and studies in laboratories.
There are large advertising campaigns where companies offer the secret to stay always young. Of course it is expensive products, in the form of creams, pills, operations or injections, this is not available to everyone and do not bring great improvements.
The truth is that time passes for everyone and that its effects are felt in everyone's skin and organism, regardless of their origin, status or money.
Then, you will ask what the answer is, very simple. To help delay this aging and make the body look young, you have to take care of your diet.
Why? Because the body works like a machine, so that it can work it has to be nourished, with foods that provide essential nutrients that help its good performance.
Many people believe that genetics plays an important role in aging, but it only represents 20%, most of it depends on breathing and digestion, other factors such as pollution in the environment, smoking, lightning Sun and medication also play an important role in this process. In other words, aging is largely due to our diet and our lifestyle.
The food is like the oil that helps to work a gear, so that the gear does not rust and stop rolling, you have to give it a daily dose of antioxidants, in this way, we will get it to stay young and function as a child's organism young.
This occurs because the processes that cause aging or degenerative diseases are the result of the oxidation of the molecules that intervene in these processes, such as DNA, lipids or proteins.
To prevent them from oxidizing, you have to give them the substances that prevent this from happening, the antioxidants we mentioned above.
How can we get antioxidant to stay young?
After reading what we just told you, I'm sure you've wanted to go to the supermarket to buy antioxidant foods, but do you know what they are? So you can buy everything you need to improve your diet.
The first thing you have to keep in mind is that fruit and vegetables are the great antioxidants, vegetables are also very important.
To help you identify them we give you a very simple trick, the more different colors you have at home, eat fruits and vegetables of many different colors: do not forget to include carrots, broccoli, avocado, berries and blackberries, kiwis, citrus fruits, tomatoes, papaya, etc.
But also, nuts like nuts, oysters, blue fish, green tea, yogurt, if you eat chocolate, how many more cocoa you have, the better.
Drink red wine, yes, in moderation. Although it does not look like it, red wine has great antioxidant properties and a glass can help us.
Do not forget to eat whole grains, if you eat pasta or rice, that they are whole grains, which is where more nutrients are and are healthier. If you cook or add oil, which is extra virgin, as it is not refined it maintains its phenolic properties, which are antioxidants and anti-inflammatory, in addition to providing monounsaturated fats.
Of course, keep well hydrated throughout the day, the ideal is to drink between 1.5 liters and 2 liters, if it is easier, divide it into glasses, take 8 generous glasses of water distributed throughout the day.
What effects do the consumption of these foods have on the body?
The foods that we have mentioned above give us:
– Proteins: which provide the collagen and elastin needed by the fibers of the skin to stay in place and that does not fall or look flaccid.
– Vitamin B: help with the renewal of the skin.
– Minerals: keep skin healthy.
– Installed fats: prevent premature aging of the skin, prevent the deterioration of cognitive functions and reduce the risk of cardiovascular disease and cancer.
They also help us reduce inflammation, so that the skin looks good and does not age.
And, obviously, antioxidants that help our organs not rust and work well and help us fight against the harmful effects of the environment.
Other aspects to consider are not smoking, living a relaxed lifestyle, without stress, this is very bad for the body, use sunscreen, as the sun ages and damages the skin and sports regularly.
If you follow these tips, eat antioxidant foods, drink lots of water, do not smoke and do not have much stress, you can fight against aging, what is great? Once again, Health Unlocked helps you to lead a healthy lifestyle and take care of yourself.


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Hello! This is Sarah from Bombshell Bling. I am excited to be here with you again today sharing another fun and fab Cuddle Fabric idea.
Say hello to Toby the Cuddle Turtle! Toby is soft and snuggly and perfect for a pillow pal. And….even better, he has a secret pocket on his bottom shell for holding PJs. Our pals at Sew4Home designed Toby and have a step-by-step tutorial for making him.
We have another Free pattern for you, 'Cute and Cuddly Throw', featuring our Nested Owls by ADORNit Cuddle™ collection. This playful collection, along with the free pattern, appears in the June 2014 issue of American Patchwork & Quilting magazine.
Designer Elizabeth Beese used the Nested Owls collection by ADORNIt and the Kozy Cuddle collection, in the color option for From the Ground Up. The quilt was inspired by Linda Jenkins and Becky Goldsmith of Piece O'Cake Designs (pieceocake.com).
The Coral colorway in Nested Owls was featured:
Solids from Kozy Cuddle were also used:
Get the free pattern here: Cute and Cuddly Throw.
Images used with permission from American Patchwork & Quilting ® magazine. © 2014 Meredith Corporation. All Rights Reserved. The issue is on sale from now through the end of May.
Follow our blog for more projects and free patterns!
Cuddle Hugs,
Sew4Home has the cutest Easter Eggs project using Cuddle!
These adorable Cuddle Soft Easter Eggs are made with Cuddle and embellished with ribbons, rick rack, mini-poms, and felt flower accents.


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Korean singer-songwriter Jason Mraz interview
MBC 'Section TV Entertainment News' broadcast on the 8th, the exclusive interview with Jason Mraz was revealed.
Jason Mraz recently visited Korea in five years on the world tour 'Good Vibes Tour'. Jason Mraz said, "I want to be a singer who spreads love," and "I would like to thank all those who have spent their time listening to songs and coming to see the performances."
Jason Mraz said, "I don't know why, but I felt that my song's message, melody and Korean fans are connected." "Korean fans are very passionate and shouted. Only Korean fans are so enthusiastic about me. Korean audiences are more passionate than fans in any country. They sing together and share their joys and shouts in the middle of the song. I love it so much. "
Then, when they worried about the outdoor performance instead of the indoor performance, they replied, "I'm lucky to be outdoors this time.
Also, they gave a gift of Korean to Jason Meraz, who loves Fedora, and Jason Mraz attracted attention by showing herself in love with her.
On the other hand, Jason Mraz showed a warm hearted song for the viewers. Also, especially for Korean audiences, he showed enthusiasm by learning the terms 'inner eardrum boyfriend' and 'love'.


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Carboni e Metalli Develop 3D-Printed Motorcycle 2 months ago
Notus Composites Celebrates Manufacturing Milestone 2 months ago
OrganoComp Nominated for Biocomposite of the Year 2 months ago
Composites Evolution Ltd develops and manufactures innovative composite materials including prepregs and natural fibre reinforcements. Our products are used to enhance performance, lower weight and reduce environmental impact in a variety of market sectors including mass transport, automotive, motorsport, sporting equipment and consumer goods. We are passionate about helping our clients develop new solutions and we work with designers, converters and brand owners to help them utilise our materials in their products.
Having recently moved into new factory premises with a state of the art prepreg manufacturing line, we are now seeking a Production Operator to join our team. The role will include:
We are looking for someone with the following essential skills, experience and characteristics:
Desirable skills and experience are as follows:
This is an exciting opportunity to take a role in the growth of a small but innovative and ambitious composite manufacturing company. Composites Evolution is based in Chesterfield within a modern office and factory environment.
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Dec. 5, 2019 -- Andrew Martin has held many titles while attending Wichita State. He was the Director of Public Relations for SGA, served as a peer facilitator for the College of Health Professions and even has flown to new heights while getting his pilot's license. One thing for sure, Andrew's no average joe and wherever he lands, he'll soar.
Oct. 1, 2019 -- Local journalists tell their story of covering and remember those lost in the 1970 Wichita State University plane crash.
Sept 4, 2019 - Sarah Coffman graduated from Wichita State in 2010 with an Integrated Marketing Communications degree. After college, she had every intention to work for an ad agency. But life took her on a different journey.
Aug. 28, 2019 -- Wichita State's efforts to recruit and retain students from historically under-served and under-represented areas haven't gone unnoticed. WSU has been named as a Social Mobility Innovator student success leader.
Aug. 20, 2019 -- The first hotel on the Wichita State campus is beginning construction. A 106-room Hyatt Place hotel will break ground next week on Wichita State's Innovation Campus, within walking distance of the new Fuzzy's Tacos, the Shocker Store and Starbucks.
Aug. 16, 2019 - Kylie Cameron and Kevin Benavides worked summer internships at KMUW (89.1 FM). They reported and wrote stories for radio and the web on the Sedgwick County Fair, elections, Juneteenth and the anniversary of the Apollo 11 moon landing. While they don't perform on-air duties, they are expected to fill all of the other reporting tasks.
July 30, 2019 -- The owners of popular Wichita restaurant Malaysia Café have signed a lease to open a new Asian fusion concept, Journey East Asia Grill, in the Braeburn Square retail complex at Wichita State University.
July 30, 2019 -- Wichita State University and Textron Aviation, a Textron Inc. company, have announced the next step in ongoing collaboration efforts to develop the future of the aviation industry and next generation of employees when the company signed a long-term lease at the Wichita State Innovation Campus.
July 18, 2019 -- Five place-making projects, ranging from the Clinton Hall steps to the Ablah Library to hammocks, are underway throughout Wichita State's campus. Their goal is give people reasons to explore Wichita State and linger in their favorite spots.
April 2, 2019 -- A plan to build a new Student-Athlete Success Center and renovate parts of Charles Koch Arena is moving forward.
Nov. 27, 2018 -- Despite the wintry weather, students planted new "flowers" on campus this week as part of the Wulip Garden placemaking initiative aimed at creating a unique and inviting environment for campus visitors.
Nov. 7, 2018 -- Wichita State University is continuing to expand its appeal outside of the Wichita area by now offering in-state tuition to students living in several additional metropolitan areas in the Midwest. Now even more students will have the opportunity to enroll in the high-quality academic programs at Wichita State for an affordable price.
Oct. 31, 2018 -- Wichita State Vice President for facilities Eric King is retiring after a career that left its mark at universities across the state.
Oct. 25, 2018 -- Only seven months after announcing its collaboration agreement with Wichita State, Spirit AeroSystems has started plans to further expand in WSU's Partnership 2 (P2) building near 17th Street and Oliver.
Oct. 25, 2018 -- Experienced hotel developers announced their intention Thursday to build and operate a new 110-room Hyatt Place Hotel at 19th and Oliver on Wichita State University's expanding east side of campus.