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99 Great Ways to Save
Tips from 20 experts, and readers like you, can help save you thousands of dollars
Finances by Lynnette Khalfani-Cox, The Money Coach
1. Free money! An individual development account, or IDA, allows low- to moderate-income earners to save money for a specific goal — such as a down payment on a house or starting a business — and get matching funds from nonprofit groups, corporations and government agencies. Many IDAs provide a dollar-for-dollar match. Visit IDAnetwork.org to learn more.
2. Nab the best online deals. Before you hit the "buy" button, install a free Web browser add-on, such as PriceBlink or Shoptimate, to your computer to help you find better deals. PriceBlink, for instance, scans more than 4,000 merchants to find low prices and alerts you to coupons.
3. Lower your energy costs. The federal Low Income Home Energy Assistance Program (LIHEAP) helps renters and homeowners get financial assistance and energy services to cut heating or cooling costs.
4. Don't get stuck picking up the tab. When friends are short of cash, free payment services such as Square Cash and Google Wallet allow them to move money from their account to yours as easily as sending an email.
5. Go for cash back instead of points and miles rewards. Credit card companies can suddenly increase the number of points and miles you need to redeem travel benefits and other perks. Cash doesn't lose value even if a company changes policies.
6. Budget better. Free online tools like Mint and Level Money help you better track your spending, save money and figure out where you can make cuts.
By Terry Bradwell, AARP chief information officer
7. Never buy a thumb drive again. Dropbox is a free service that gives you online storage to share files and sync your files online.
8. Get free reads. Thousands of e-books can be downloaded for free to your Kindle, iPad, smartphone or other device through Project Gutenberg or, if you have a library card, via OverDrive.
9. Extend the life of your smartphone or tablet battery. Protect your device from temperatures above 95 degrees, which can damage battery capacity; shut down location-tracking apps when not using them; and turn off the function that refreshes apps in the background.
10. Manage your cellphone bill. Review it to make sure you are not paying for data or services that you don't need. If you don't send many texts, you don't need unlimited texting. Or you might be able to get by with 2GB of data per month, instead of 5GB. MyRatePlan.com can help you compare plans.
11. Avoid using your phone to play games or stream music and movies if you're on a limited data plan. Those activities are data hogs that can quickly trigger charges. My Data Manager, a free app, can identify which of your actions eat up most data and alert you when you're near the limit.
12. Don't dump that old iPhone. Sell it. First-generation iPhones that sold for $599 in 2007 are now collectibles and, if in mint condition, worth big bucks. The recent asking price on eBay for an 8GB iPhone in its original packaging was $10,000.
More ideas by AARP partners Guy Kawasaki and Peg Fitzpatrick, coauthors of The Art of Social Media
13. Save time and money with TripIt. The free app organizes your travel plans and gives updates on flight changes.
14. Use GasBuddy. The mobile app helps you find the cheapest gas in the area.
15. Avoid impulse purchases at the grocery store with Grocery iQ. You can create a shopping list on your desktop and use it in the store.
Top reader tips
16. Patricia Baxter Thornhill, Punta Gorda, Fla.: I've given up cable TV and now use a digital antenna for TV and Roku, a streaming device, to get free channels. My cable bill used to be more than $200 a month. Now I pay $53, which includes Internet, Netflix and Hulu.
17. Cindy Jo Swan, North East, Pa.: To save on the electric bill, I unplug anything that has a red light on it, such as an electric blanket or a portable CD player. Other things that are huge energy users are cellphone chargers, washers and dryers, DVD players and your Internet modem. I have saved at least $12 per month this way.
For Men, by Brian Boyé, executive fashion director, Men's Health
18. Shop in January. Post-holidays, retailers slash prices on men's clothing by up to 50 percent to make room for warmer-weather clothing. Buy suits, sweaters and winter coats this month.
19. Flash sale sites, including JackThreads, Gilt and Rue La La, offer everything from suits to designer sunglasses for as little as half the retail price.
20. Buy luggage in March. Travel retailers know we gear up for spring and summer vacations in March, so they often discount prices.
21. Save on shaving. Join a shave club at sites such as DollarShaveClub or Harry's and have quality blades and shave supplies delivered to your doorstep for less than you now spend.
22. Buy sneakers in November. Retailers devote more shelf space to sneakers in early fall, for back to school, then cut prices in November to make way for winter boots.
For women, by Lois Joy Johnson, AARP beauty and style expert, and AARP Media money team staffer Carole Fleck
23. Free shopping apps. Let AppCrawlr, an app search engine, help you find the best apps and free online shopping sites with flash sales, such as HauteLook, ideel and MyHabit.
24. Search and save. ShopStyle is a search engine that filters the Web for the best prices on whatever you need. The Hunt is like a personal shopper: You post a picture of what you're looking for and it tells you where to find it — or something similar for less money.
25. Don't buy Giorgio Armani Beauty. Try Essie and Maybelline. All three brands are made by L'Oréal Paris. High-end cosmetic companies also make affordable brands, so you can save money without sacrificing quality. Procter & Gamble, for instance, owns Gucci and Dolce & Gabbana, along with Olay and Covergirl. And the company that makes ultra-pricey La Prairie also sells Nivea and Eucerin.
26. Use kitchen products for more than recipes. Combine a cup of sugar and some olive oil to make an instant and effective body and foot exfoliant.
27. Place cooled tea bags on puffy, red eyes to deflate and refresh (the combo of caffeine and tannin does it). Whisk two egg whites and apply as a facial mask for 20 minutes to tighten saggy skin, or mash a ripe avocado and apply to soothe dry skin.
28. Repurpose bad beauty buys. Salvage an unflattering lipstick shade by mixing with plain lip balm to sheer the color and texture down to a wearable tint.
29. DIY hair color. Drugstore hair-coloring products now deliver salon results at a fraction of the cost. L'Oréal Paris just launched Excellence Age Perfect hair color for those 50 and up, while Clairol offers its Nice 'n Easy Age Defy collection.
30. Grow your bangs. Long feathery or sideswept bangs hide forehead furrows, crow's-feet and hairline thinning while also focusing attention on your eyes. Bangs save you from the Botox decision and having to do brow makeup every day, and make your face look "dressed" even when you pull your hair back in a ponytail.
31. At Rent the Runway, you can rent designer-label clothing, including formal wedding attire, at a fraction of the retail price.
32. At sites such as Swapstyle and Rehash Clothes, you can buy, sell or swap clothing and accessories.
Home Decor by Barbara Hannah Grufferman, AARP Positive Living Expert
33. Give chairs a redo. Reupholstering worn and drab dining room or kitchen chairs can cost well over $100 each. Give them a modern makeover for less than $50 total with cloth shower curtains. Just remove seats from chair frames, measure, cut and use a staple gun to attach cloth.
34. Mosaic makeover. Instead of spending hundreds, even thousands, of dollars on a new bathroom or kitchen countertop or backsplash, use broken pottery, glass, mirror, shells and other interesting materials to create and install a fabulous mosaic — designed by you — for well under $100. Get some cement backer board from your local building-materials store plus the materials for the mosaic, mortar and grout.
35. Barter your way to remodeling. Swap meets, where people trade decorative objects, building supplies and labor, are growing in popularity and can be an inexpensive way to redecorate and remodel your home. Try Swap Madness.
36. Transform your kitchen for a few hundred bucks by replacing the faucet, changing door handles and pulls, and painting or even removing cabinet doors.
Top reader tip
37. Kelly Gibbs, Flagstaff, Ariz.: I was using an expensive "clarifying lotion" — an astringent for use before moisturizing — for $26 a bottle. I replaced it with a 50/50 mix of alcohol and witch hazel and have saved hundreds of dollars.
Food by Pam Anderson, AARP Food Expert
38. Make meat the flavoring rather than the star of the plate. Think steak tacos versus a rib-eye steak. Cuts like flatiron, flank and hanger steak are half to a third the price of premium cuts.
39. Eat meatless once or twice a week. Three ground beef burgers cost an estimated $5.69, but you can make three veggie burgers from a 74-cent can of beans.
40. Homemade salad dressings are easy to make; plus, they're cheaper and better tasting than store-bought. For balsamic vinaigrette, whisk together 1 minced garlic clove, a pinch of salt and pepper, 2 teaspoons Dijon mustard and ß cup balsamic vinegar, then slowly whisk in 1/2 cup olive oil.
41. Forget coupons. Unless they're for items you really use, coupons are often just a marketing strategy to get you to try new — and unnecessary — products.
42. Buy tubed herbs, garlic, ginger and lemongrass, like those available from Gourmet Garden. A $3.99 tube lasts for up to three months, and you don't end up with a bag of wilted, slimy herbs after a week or two.
43. Airport food is crazy expensive. Don't leave home without a snack bag of roasted nuts, dried fruit, a small block of cheese and a sturdy sandwich.
Utilities by Jeff Yeager, AARP Savings Expert
44. Insulate your hot-water heater. Installing an "insulating jacket" is a simple DIY project. It only costs about $30 and usually results in a savings of $20 to $45 per year.
45. Seal around outlets and switches. Stop chilly drafts by installing inexpensive foam gaskets, available at most home improvement centers.
46. Test for a tight seal on your refrigerator by closing the door on a dollar bill; if you can easily pull the dollar out, the seal needs replacing.
47. Reduce air-conditioning costs by as much as 10 percent by keeping AC condensers and window units shaded, perhaps by installing an overhead awning.
48. Clean or replace air conditioner filters once a month when in use. You can buy permanent filters at home improvement stores that can easily be cleaned with a garden hose and reused.
49. For whole-house HVAC, inspect the ductwork carefully and seal any seams or gaps, to reduce the amount of chilled or heated air escaping through the ductwork by up to 20 percent.
Gardening by Carolyn Binder, publisher of Cowlick Cottage Farm gardening blog
50. Plant strategically. Grow the more expensive fruits and vegetables your family likes. Plant more high-value crops, such as garlic, arugula and strawberries, and less lettuce, peas and corn.
51. Instead of growing a huge garden in traditional rows, grow a nice variety of crops in a 4x8 raised bed. Just one 4x4 bed with fresh herbs will enliven your cooking and aid your health.
52. Cultivate savings and young gardeners by growing what they love to eat. Make a pizza garden with tomatoes, basil, peppers and onions.
53. Grow a surplus of profitable and popular crops to sell at your local farmers market.
Pets by Marty Becker, veterinarian
54. Keep your dog's teeth clean. Buy Greenies or Milk-Bone Brushing Chews to remove plaque. Periodontal disease in pets can lead to more serious — and expensive — illnesses.
55. Keep pets thin and save on medical and food bills. As with people, extra pounds can lead to joint problems, type 2 diabetes and cardiovascular disease in pets.
56. Don't overspend on premium pet food. No need to pay $5 to $15 per pound. Buy grocery brands Purina, Iams or Pedigree for a fraction of the cost.
57. Don't waste money on toys that won't last. Some toys can last a pet's lifetime. Check out toys by Kong or Orbee.
Going green tips by AARP Media's money team staffers Carole Fleck, Eileen Ambrose and Angela Johnson
58. Rent, recycle or swap. Join the Freecycle Network in your town, where you can give away items in good condition or get something you need for free. Swap books at PaperbackSwap. BookMooch uses a points system: Give books away and get points to spend on books you want.
59. Do you have land to share? SharedEarth.com is a free site that connects landowners with gardeners or farmers. You provide the land for free and growers share some of their produce.
60. Earn rewards for recycling. Recyclebank pays you to recycle by giving you points or coupons that are good in local stores. Some communities have recycle centers that pay for bottles and cans. Recyclefinder locates recycling centers near you.
61. Cut your water bills by planting drought-tolerant shrubs, flowers and grass. Check with a local county extension office or nursery to find out what native drought-resistant plants grow in your area.
Top reader tips
62. Shel Horowitz, Hadley, Mass.: Have an energy audit. Many utility companies offer them for free. Last time we did one, the utility gave us hundreds of dollars worth of LED lightbulbs and picked up two-thirds of the cost of reinsulating.
63. Cathy Strodel, Baltimore: Instead of throwing out leftover wine or champagne, I freeze it to use for cooking. Wine is great for deglazing a pan of sautéed chicken or to use in soups or stews.
Travel by Samantha Brown, AARP travel ambassador
64. Save money even when traveling last minute. Sign up for special-offer e-newsletters and emails from travel planning sites, airlines and credit card companies.
65. Free apps — Google Voice, WhatsApp, Skype, FaceTime and Facebook Messenger — save you money on international calls and texts. And when abroad for long periods, ask your carrier to suspend your U.S. service.
66. Save money on restaurants, shopping and tours with online and printable coupons plus cash-back deals with BeFrugal.com.
67. When renting a car, choose a location near, not at, the airport for a lower rate. Autoslash.com will track your reservation for you and apply deals and coupons.
68. Traveling to Europe? Bank ATMs in airports are being replaced by Travelex machines, which give a poor exchange rate. Withdraw just enough for transportation to your hotel.
69. Plan a trip to Scandinavia. In Sweden and Norway, the dollar was recently up 25 to 29 percent against the Norwegian krone and Swedish krona, and hotel rates were down nearly 20 percent.
70. Take a free tour of the Big Apple — or more than 90 other cities worldwide. Big Apple Greeter, for instance, matches visitors with New Yorkers who give guided tours of New York City's neighborhoods. Sign up at least four weeks in advance at bigapplegreeter.org. You can find similar programs in other cities by going to globalgreeternetwork.info.
Entertaining at home by Carla Hall, cohost of ABC's The Chew
71. Instead of having a full bar, have wine and then make one specialty cocktail or punch. Give the cocktail or punch a fun name around the theme for your event.
72. Soup can be an excellent and inexpensive hors d'oeuvre. Served in small cups (such as espresso cups), soup with your appetizers is fun and different.
73. Make edible centerpieces. This can be as simple as using a cluster of glasses or bowls for a display of veggies and hot dip.
74. Consider a stew for a dinner event. Stews let you take meat a lot further than as individual menu items. Serve alongside a salad and homemade bread and you have a wonderful, inexpensive meal option.
Kidtainment by Steve Leber, CEO of Grandparents.com
75. Take in a minor league baseball game. Minor league games offer plenty of thrills, plus perks like activities and giveaways for kids. The cost to attend a game with the family is just over $60, compared with $200 at a major league park. Go to MiLB.com to find a nearby minor league stadium.
76. Eat for free. Lots of restaurants, such as Chili's and the Rainforest Cafe, let kids eat for free, or at a discounted rate, on certain days. Check grandparents.com for a list of places.
77. Go geocaching. If your grandkids like scavenger hunts, try geocaching, in which they'll hunt for objects that are hidden in your city or town by using GPS coordinates. There are more than 2 million geocaching sites worldwide.
Top reader tip
78. Frank Hyman, Durham, N.C.: My wife and I spent two weeks in France — for $50. Through World Wide Opportunities on Organic Farms, we spent four hours, five days a week, helping out on a Provence farm in exchange for room and board. Our afternoons, evenings and weekends were free to explore the countryside.
Health savings by Charlotte Yeh, M.D., AARP medical adviser
79. Read your bills carefully. Eight out of 10 medical bills contain errors, so check to be sure you're not being overcharged. And be sure to ask for an itemized bill.
80. Ask your doctor for a discount. More than 60 percent of patients who asked their doctor for a discount got one. You can also discuss a payment plan with your doctor or hospital to avoid a debt-collection service.
81. Visit the drug company's website. If you're taking a brand-name drug regularly, check the drugmaker's website to see if it offers a coupon or discount card that can save you money.
82. Enroll in your employer's flexible spending account. It's like getting a 30 percent discount on health care and dependent care costs.
Top reader tip
83. Debbie Dull, Eggleston, Va.: Beware of products labeled for older people. Look at the ingredients in vitamins and other health goods pitched for people over 50. Often they are only slightly different from regular products — but with a bigger price. Read those labels, folks.
Medicare savings from AARP's Patricia Barry, author of Medicare For Dummies
84. Your expenses could be a lot lower if you buy prescription drugs from a pharmacy that your Part D plan calls "preferred" — meaning the pharmacy has agreed to charge reduced copays. Call your plan for preferred pharmacies in your area.
85. See if you qualify for extra help. If your income is under $1,471 a month (or $1,991 for a married couple) and you have limited savings, you may qualify for Part D drug coverage at low or reduced cost. To apply, call Social Security at 800-772-1213 or go online.
86. Check your drugs. Put all your medications into a bag and ask your doctor if you need them all. Many people are overprescribed, especially if they see several doctors for different medical issues. Having your meds reviewed periodically is also good for your health.
From AARP Media's money team staffers Eileen Ambrose and Carole Fleck
87. Take advantage of free obesity counseling for up to one year for older Americans. Thirty percent of seniors are obese, yet in 2013 only 50,000 of them used the new obesity counseling benefit under Medicare, reports Kaiser Health News.
88. GoodRx can help you find the lowest prices on prescription drugs. You plug in your prescriptions and city, and the website reveals drug prices and discounts near you.
89. Need surgery? Research cost-cutting alternatives to hospitals, such as outpatient facilities. The fees for a doctor and anesthesiologist may be similar, but typically, outpatient centers charge a fraction of the fee that hospitals charge.
Work by Kerry Hannon, AARP Jobs Expert
90. Let your job send you to school. Around half of employers offer college education assistance, and you might not even need to be studying something directly linked to your work. Generally, you don't have to pay federal income tax on the first $5,250 of assistance.
91. Check out the American Association of Community Colleges' Plus 50 Initiative. It's designed to help students 50-plus train for new jobs.
92. Sign up for a free or mostly free MOOC, or massive open online course, through portals such as Coursera, EdX and Lynda. Often offered by elite universities such as Duke and Stanford, MOOCs offer bargains on courses from their instructors.
93. Negotiate for a fast-track degree. You may be able to reduce tuition by getting the college to waive some required courses because of your work and life experience.
94. Snap up an older-student grant, scholarship or fellowship. Some groups and foundations offer them, though it may take some sleuthing to track down. Start your search at Fastweb.com and FinAid.org.
95. Track your miles. The business rate for 2015 is 57.5 cents per mile. Use sites like MapQuest to calculate the distance for even short business trips and get reimbursed by your employer.
96. Know what you're worth. Find out the typical pay for the job you seek, or before asking for a raise. Government salaries are posted on the Office of Personnel Management's website. Private-sector pay rates are found at PayScale and Salary.com.
97. Get free or discounted college tuition. Nearly 60 percent of U.S. colleges and universities let older students take classes either tuition-free or at rock-bottom prices. Inquire about specific residency, age and other requirements at schools in your area.
Top reader tips
98. Anita Kahl, Derry, Pa.: When I turn a new page over in my checking account register, I round the new page balance down. For example, if I have $263.78, I write $260.00. You wouldn't believe how fast it provides a cushion when you want to buy something that's not in your budget.
99. Amy Patterson McPherson, Thomasville, Ga.: When I find a good deal on something, I buy two of them and sell one on eBay for the price I paid for both. That way, the one I keep is free!
Still looking to save more? View past editions of 99 Great Ways to Save: by category, by year.
Also of Interest
- 10 places to ask for a discount
- 13 ways to reduce stress
- Find great volunteer opportunities in your community
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Jan 23, 2012
WHO eyeing mid-February meeting on H5N1 research controversy
The World Health Organization (WHO) is tentatively planning to invite technical experts to Geneva in mid February to try to resolve a controversy over the proposed publication of two contentious studies on H5N1 avian influenza, the Canadian Press (CP) reported Jan 21. Dr. Keiji Fukuda, the WHO's assistant director-general for health security and the environment, said the meeting will probably involve fewer than 50 people and is tentatively set for Feb 16 and 17. The controversy was sparked by the recommendation of the US National Science Advisory Board for Biosecurity (NSABB) to withhold details of the two studies, in which H5N1 viruses in ferrets reportedly gained the ability to spread through the air. Science and Nature, the journals expected to publish the reports, agreed to withhold the details of the studies if a way can be found to share them with responsible scientists. Participants in the WHO meetings will include members of the Dutch and American teams that conducted the two studies, experts from the WHO's network of flu labs, and people directly involved in the dispute, the CP reported. Fukuda said the meeting's aim will be to identify the short- and long-term issues that need resolution and begin work on the most critical ones. "We are not setting this up as a political meeting," he said. "We are setting this up as a meeting of extremely knowledgeable technical people." Ron Fouchier, lead author of one of the two studies, said the idea of starting the process with a fairly small meeting is sensible, according to the story. Fouchier was one of 39 flu researchers who on Jan 20 announced a voluntary moratorium on H5N1 transmission studies to allow time for airing of the issues involved. Fukuda told the CP that the WHO welcomes the break, saying it "gives everybody a little space to move."
Jan 21 CP story
Jan 20 CIDRAP News story on research moratorium
Mexico reports 573 H1N1 cases, 9 deaths
Mexico has recorded 573 cases of 2009 pandemic H1N1 flu this season, including 9 fatalities, Agence France-Press (AFP) reported yesterday. That number represents 240 new cases since Jan 18, the story said. The pandemic strain makes up 90% of all influenza isolates detected in Mexico, which is in stark contrast to the rest of the world, where H3N2 is generally the dominant strain, according to WHO data.
USDA awards $25 million for E coli prevention in beef
The US Department of Agriculture (USDA) today awarded a $25 million research grant to the University of Nebraska-Lincoln (UNL) to help reduce the occurrence of and public health risks from Shiga toxin–producing Escherichia coli (STEC) along the entire beef production chain. "This research will help us to understand how these pathogens travel throughout the beef production process and how outbreaks occur, enabling us to find ways to prevent illness and improve the safety of our nation's food supply," said Chavonda Jacobs-Young, acting director of USDA's National Institute of Food and Agriculture, in a USDA press release. UNL's Dr. James Keen will spearhead the effort to improve risk management and assessment of eight strains of STEC in beef, including the O104 strain that caused the recent outbreak tied to sprouts and centered in Germany. The five objectives of the project are detection (including rapid tests), biological and epidemiologic characterization of outbreaks, interventions at various production stages, risk analysis, and risk management and communication.
Jan 23 USDA news release
Study: About 7% of US pork samples harbor MRSA
In a three-state survey,about 7% of pork sold in stores was found to harbor methicillin-resistant Staphylococcus aureus (MRSA)—higher than other US studies have found—and the contamination rate was similar in conventionally produced meat and in meat from antibiotic-free pigs, according to a study in PLoS One. Iowa and Minnesota researchers analyzed 395 meat samples from 36 stores in those two states and in New Jersey. Of the samples, 26, or 7%, tested positive for MRSA (and 58% tested positive for methicillin-sensitive S aureus). The researchers found no statistical differences for any type of S aureus, including MRSA, between conventional pork and pork labeled as raised without antibiotics or "antibiotic growth promotants." Lead author Tara Smith, PhD, of the University of Iowa, said, however, "It's possible that this finding has more to do with the handling of the raw meat at the plant than the way the animals were raised," according to a university press release. The authors say the study is the largest of its kind in the United States. They conclude, "MRSA prevalence on pork products was higher than in previous US-conducted studies, although similar to that in Canadian studies." MRSA causes roughly 185,000 cases of foodborne illness each year, according to the news release.
Jan 19 PLoS One study
Jan 20 University of Iowa press release

subset: commoncrawl


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Downtown Annapolis development plan draws ire
Bill would rezone portion of city dock for development
Some residents, business owners and civil groups in Annapolis believe plans for a downtown facelift will detract from the city's historic experience.
Rezoning a portion of the Annapolis City Dock to allow development has caused a rift among a coalition of residents. A bill backed by Mayor Josh Cohen would rezone the city dock where there are a few vacant buildings to allow for bigger buildings and mixed-use buildings.
"We're trying to help create a little bit of a catalyst and a better resident and visitor experience, and help economic development," said Michael Mallinoff, city manager.
The rezoning idea is part of a city dock master plan to give downtown a bit of a facelift, but a new coalition of residents, business owners and civic groups fear bigger development of one specific area of the dock at a time will spawn similar large developments in what it calls "spot zoning."
The group, Save Annapolis, fears this will affect the look of historic Annapolis.
"It's the small-town scale and 18th century charm of Annapolis that attracts people here," said Bryan Miller, who lives downtown.
Former Annapolis Mayor Ellen Moyer is among the opponents of the plan.
"The design makes it into an urban environment. It totally ignores the assets of this city, of what has made it special," she said.
The bill promises any development must keep intact the historic and cultural context of the surrounding environment.
One of the other big questions is the potential loss of parking spaces downtown, not only for visitors, but for events like the annual boat show, which uses hundreds of spots for vendors, which some said would diminish the importance of the show.
The city manager said he's not sure if the plan will cut parking. There's talk of building underground parking, but the harbor may hinder that.
"That is something we can't avoid because we get more and more frequent flooding here and that's part of this, and the parking component with it being underground is a difficult aspect," Mallinoff said.


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The Securities and Exchange Commission and the Financial Industry Regulatory Authority on Wednesday warned investors about a "sharp increase" in email linked to "pump-and-dump" stock schemes.
The investor alert, Inbox Alert – Don't Trade on Pump-And-Dump Stock Emails, says that the latest McAfee Threats Report confirms "a steep rise" in spam email linked to "pump-and-dump" stock schemes designed to trick unsuspecting investors.
These false claims, the alert says, could also be made on social media such as Facebook and Twitter as well as on bulletin boards and chat room pages.
Lori Schock, director of the SEC's Office of Investor Education and Advocacy, said in a statement that "investors should always be wary of unsolicited investment offers in the form of an email from a stranger. The best response to investment spam is to hit delete."
Cameron Funkhouser, executive vice president of FINRA's Office of Fraud Detection and Market Intelligence, added in the same statement that "Spam email is the bait used to lure people into making bad investment decisions. No one should ever make an investment based on the advice of an unsolicited email."
The two regulators explain that pump-and-dump promoters frequently claim to have "inside" information about an impending development. Others may say they use an "infallible" system that uses a combination of economic and stock market data to pick stocks. "These scams are the inbox equivalent of a boiler room sales operation, hounding investors with potentially false information about a company," the alert states.
The fraudsters behind these scams, the alert goes on to say, stand to gain by selling their shares after the stock price is "pumped" up by the buying frenzy they create through the mass e-mail push. Once these fraudsters "dump" their shares by selling them and stop hyping the stock, investors lose their money or are left with worthless or near-worthless stock.
Check out Top 12 Tax Scams: IRS' Dirty Dozen for 2013 on AdvisorOne.


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The Last Speakers: The Quest to Save the World's Most Endangered Languages304
27.0 In Stock
Part travelogue and part scientist's notebook, The Last Speakers is the poignant chronicle of author K. David Harrison's expeditions around the world to meet with last speakers of vanishing languages. The speakers' eloquent reflections and candid photographs reveal little-known lifeways as well as revitalization efforts to teach disappearing languages to younger generations. Thought-provoking and engaging, this unique book illuminates the global language-extinction crisis through photos, graphics, interviews, traditional wisdom never before translated into English, and first-person essays that thrillingly convey the adventure of science and exploration.
Product Details
|National Geographic Society
|Publication date:
|Sales rank:
|Product dimensions:
|9.52(w) x 11.28(h) x 1.04(d)
About the Author
K. David Harrison, a National Geographic Society fellow, travels around the world to interview last speakers of nearly extinct tongues. He is a leading spokesman for endangered languages and co-stars in the Sundance documentary film The Linguists. Harrison received his doctorate from Yale University, is currently an associate professor of linguistics at Swarthmore College, and resides in Philadelphia.


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Soft Washing Your Home
For the Safest Clean Available
Soft Washing Your Home
Curious About Our House Washing Process?
The professionals at J&L Professional Services has been providing pressure washing to the extended Raleigh area for over 20 years. Many prospects and customers have recently asked about our processes, technique, equipment and detergents. We have outlined below our standard, low pressure washing service in detail, so you know what to expect:
Step 1: Preparing Your Home for Power Washing
When J&L Professional Services arrives at your home, our first step is to get your home prepped for our pressure washing service. This includes:
- Walking around your property and noting areas of concern;
- Using soft brushes on extended poles to loosen and remove any cobwebs and other debris;
- Saturate the plants around your home with water (low pressure!) to ensure they do not soak up any runoff detergents.
Step 2: (Low) Pressure Washing Your Home
- Once your home has been prepped for our low pressure washing service, we begin the cleaning!!
- A low pressure is used to pre-treat your home with temperature controlled water.
- A foaming detergent is then applied, one side at a time, to your home's exterior.
- Scrub brushes are used to agitate the detergent in areas of notable dirt or mold buildup.
- For brick homes, the detergent may be applied several times to ensure the best possible clean (since brick is a porous surface).
- If you have tender plants, a steady stream of water is applied at low pressure.
Step 3: Rinsing Your Home
- Once the detergent has been allowed to do it's magic, a low pressure rinse is applied.
- The rinse is completed one side at a time while following the technician who is applying the detergent.
- This way, two technicians are working on one side of your home at a time to ensure the best possible pressure washing outcome!
- This step may be repeated until all the detergent has been properly rinsed from your home.
Step 4: Reviewing Our Pressure Washing Work
- After the final rinse, both technicians review your home to ensure a professional cleaning.
- Our results are guaranteed or we'll come back and wash your home again!
Six Common Power Washing Questions, Answered.
So you're looking for a company to come wash your home. But you've got questions about the service, the company, the technique they use, their insurance. Do you have time to ask 10 companies all these questions and still get a quote? Don't worry, we're here to help.
1. Will pressure washing hurt my house?
A skilled contractor will not only be confident that his power washing techniques won't hurt your home, he will assure you that your fears are valid. There are plenty of self-proclaimed "professionals" out there who are just looking for beer money. Don't risk it. Pressure washing your home with too high of pressure or the wrong chemicals could damage your home. Which leads is to question 2:
2. What kind of chemicals do you use when you wash my home?
Depending on the service, the detergents change. For a house wash, we use a professionally mixed soap and sodium hypochlorite blend. THIS IS NOT TO BE CONFUSED WITH BLEACH PURCHASED AT YOUR GROCERY STORE. Clorox has it's uses, but can be mixed too strongly and damage your siding, not to mention your plants.
3. What is soft washing, and do you utilize it?
The term "soft" washing is exactly what it sounds like: soft. The pressure we use to clean most surfaces is barely more than comes out of your garden hose. Couple this with the right blend of detergents and the correct tools, your home is washed safely and effectively. If you want more details on what happens during our house wash service, take a look at our Pressure Washing Process.
4. Is your company insured?
Yes! Our company carries the highest limits available in our state. This is an important question to ask, because quite simply, you can't afford for an uninsured contractor to work on your home. Even if its a friend. What happens when someone accidentally falls, slips or trips while working on your property? You guessed it: you're paying for it. Some homeowners policies have even refused to pay these claims, stating that you as the homeowner should have done your due diligence in finding an insured contractor. C'mon, don't say you're surprised.
5. How long have you been in business?
J&L Professional Services has been in business since 2006. The owner has been washing homes in Raleigh since 1994. That's probably before the majority of our customers even considered moving to Raleigh! Tremendous insight, technical know-how, and knowledge can only be gained with years of experience. You can be confident in our promise of professionalism.
6. Who will come to my home & how will I recognize them?
Our owner, Joe Devenow, will be attending your cleaning along with 1 or 2 cleaning technicians. Alex has an advanced knowledge of washing homes, and is a national instructor for the pressure washing industry. Our crew will be wearing company uniforms and arrive at your home in a well labeled company vehicle and trailer.


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Pat at KnowMyMeds necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 187 diseños de 67 diseñadores freelance.
We are a web based solution that helps seniors or their proxies track their prescription medicines, as well as over the counter and herbal supplements, as well as "observations of daily living" that might influence their response to therapy. The patient is provided with a personal medication record plus a summary of risky behaviors, potential adverse drug interactions and questions for their doctor . Information can be shared with family, caregivers and doctor. The ultimate objective is to allow older adults to "age in place" - keeping them out of hospitals and nursing homes as long as possible.
The solution has been validated in clinical trials sponsored by the National Institutes of Health in the U.S. and demonstrated that it could improve the response to therapy in patients with hypertension.
The target market is older adults and their caregivers, usually a female, adult child. The solution will be used by older adult children who want to be part of their aging parents' support system, and eventually for themselves as they age.
Most patients over 65 years old have more than one chronic condition, take multiple prescription drugs and supplements and see more than one doctor. They are at increased risk for an adverse drug event- these are responsible for 5 million hospitalizations per year- a third of which are due to over the counter medications. The solution connects older adults, their caregivers and their doctors to improve visibility for what is happening with the patient on a day to day basis.
KnowMyMeds should convey a professional image of a validated clinical application - but it should not be intimidating. It should be conservative but also cheerful and inviting to older adults.
Medical symbols would be frightening to people in failing health. A logo should convey connectivity with softness. It should be abstract rather than literal.
Colors should be soft and conservative. Shades of blue are desirable. Accents of orange are cheerful . Green, red, brown are not desirable colors.
An easy to read, clear font should be used for any logotype. Both name and symbol should be able to stand on their own.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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For sensitive detection and localization of biotinylated proteins
For use in conjunction with the Penta·His Biotin Conjugate, QIAGEN offers streptavidin conjugated to the intensely fluorescing algal pigment R-phycoerythrin (Streptavidin-R-PE).
Buy Products
The Streptavidin-R-PE is intended for molecular biology applications. This product is not intended for the diagnosis, prevention, or treatment of a disease.
Product Details
The high quantum yield (0.82) and extinction coefficient (2 x 106) of R-PE make it one of the best fluorophores currently available for high-sensitivity detection. By utilizing the extremely high affinity of the streptavidin-biotin interaction and the spectroscopic properties of R-phycoerythrin, the sensitivity of immunoassays can be increased some five- to tenfold over the corresponding Alexa 532 Conjugate.
The QIAexpress, Detection and Assay Handbook, supplied with all QIAexpress detection and assay products, contains detailed example protocols and guidelines for designing and performing assays.
Streptavidin-R-PE is highly suited for detection of biotinylated biomolecules using the LabMAP bead-based assay system. Streptavidin conjugates may also detect the endogenous, biotinylated E. coli biotin carboxyl carrier protein (BCCP) in crude cell lysates.
Product Resources
fragment fix placeholder
Customers who bought these products also bought


text:
Indostat and UTS have officially released OS 188.8.131.526 for the BlackBerry Torch 9810 and 9860. While this is an official release, remember to use caution when updating your device. If you need help along the way, you can head into our help forums or check out some of our BlackBerry 101 articles including How to Install or Upgrade to a new OS. If you do install this OS, hit up the forums thread below for findings, fixes and more discussion.
Download OS 126.96.36.1996 for the Torch 9810
Discuss more in the forums
Download OS 220.127.116.116 for the Torch 9860
Discuss more in the forums
Source: bbin


text:
The Social Poets: John Stewart and Colbert Mock LIBOR Credit Card Scandal: From Denny: Want to learn more about just how deep the global banking scandal goes? But we want to laugh our way through the tutorial, right? Look no further as both national comedians are here to guide us through a couple of hilarious tutorials that will have you grinning so wide your house will split apart.
It will also make you want to get your shotgun (if you own one) and run right down to the "hallowed halls" of the financial sector and join the Occupy protesters. Now, more than ever, have the protesters succeeded in convincing us that all credit card holders are just financial slaves, doomed to serve the whims of Big Bank Sluts and Congress Whores, both whose masters are Greed.
But first a couple of facts to bring you up to speed in case your eyes glaze over when the financial guys on the news start talking:
Funny Pig quote: Never try to teach a pig to sing: it wastes your time and it annoys the pig.
* * * Please support Warriors Pearl Foundation - helping homeless female military veterans come home. Visit Denny Lyon Gifts @ CafePress.com - - see what's new!


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| 7.2°C Dublin
PEOPLE eager to support relief efforts following Hurricane Sandy can use apps that provide creative ways of donating to charity and nudge friends to do the same.
Budge, an iPhone app released last week, aims to make donating to charity social. Friends can challenge each other in games and activities such as chess or charades and the loser makes $1, $2, or $5 donations to one of the charities supported by the app.
"For us it's really about changing the way people think about donating," said Hillan Klein, co-founder and CEO of New York-based company Budge. "We are driving to change the culture and say you can have fun while you do good."
The challenges are meant to be activities that friends already enjoy doing together. For couples, it could be doing the dishes or taking out the trash.
"It's relative to people and their relationships with their friends, which makes it a personal experience," said Klein.
Although the donations are small, Klein said they add up.
"People are still donating $25, $40, or $50 over the course of the month," he said, adding that smaller donations enable donors to disperse funds across a range of charities, and to get more friends involved.
The app supports 11 charities, including the American Sustainable Business Council which has setup a relief fund for businesses affected by Sandy, Breastcancer.org, the National Multiple Sclerosis Society and the World Food Programme USA.
Klein said the company is looking for more charity partners to aid with Sandy relief efforts.
"An example would be non-profits that deal with first respondents -- some of them have lost their homes in Hurricane Sandy themselves and they're still out there helping others," said Klein.
Budge, which is free and available in the United States and Australia, receives a fee of up to five percent of each transaction.
At the moment the login is through Facebook but the company plans to change that and to release an Android app.
Another web app, Raise5, allows its users to list services online, which can range from web design and proofreading, to lessons on making jam. Services range from $5 to $50, with all funds donated to the charity selected by the service donor.
CEO Mike Tang said Raise5 supports more than 100 charities including the World Society for the Protection of Animals and Virgin Unite.
People wanting to support Sandy relief efforts can also donate to the Red Cross on their website. The Red Cross is working with more than 50 national partner organizations, and has more than 640 partner volunteers deployed to help people impacted by Sandy.
Apple has also set up a portal to donate to the organization through iTunes with 100 percent of the donation being transferred to the Red Cross.


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Our time with Michelle Mackey has flown by way too fast!
On Oct. 15th, after looking at some of Robert Swain's artwork, we focused on color proportions. The individual color studies we did in the Diebenkorn galleries were used as a source of inspiration for the paintings we have been working on. After spending time in the galleries, most everyone finished the first layer of their paintings. On the first layer we focused on two main colors.
This past class, on Oct. 22nd was our last day with Michelle. After completing the first layer of our painting, we created a floor plan out of tape on top of our painting. The floor plan, or overhead view, was to be of a place that had personal significance. After laying down the tape, we painted two more layers of color over our entire painting. When everything was dry, we removed the paint to reveal our final product, drawing influences from Richard Diebenkorn, David Reed, Brice Marden, Robert Swain, and our own personal memories.
There were some great conversations this week as we created our artwork. One conversation was about contemporary artist Mark Bradford's project entitled, Open Studio. He is collaborating with other contemporary artists such as Kara Walker and Xu Bing, to create lesson plans for teachers of Kindergarten -12th grade.
Check out the lesson plans that contemporary artists are making!


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Union Pacific Corporation Invites You to Join Its Fourth Quarter Earnings Release Broadcast
Omaha, Neb., January 2, 2007 In conjunction with Union Pacific Corporation's (NYSE: UNP) Fourth Quarter 2006 Earnings Release, you are invited to listen to its presentation that will be broadcast live over the Internet or via teleconference on Thursday, January 25, 2007 at 8:45 a.m. Eastern Time.
|Union Pacific Corporation's Fourth Quarter 2006 Earnings Release
|Thursday, January 25, 2007 at 8:45 a.m. ET
|www.up.com (under Investors)
|Live over the Internet – Simply logon at the address above
|Dial-in telephone access
|Domestic: 877/407-8293
International: 201/689-8349
Contact: Jennifer Hamann, Assistant Vice President - Investor Relations at (402) 544-4227.
If you are unable to participate during the live teleconference, the call will be archived on Union Pacific's Web site at http://www.up.com. An MP3 downloadable audio file also will be available at the same location.
Union Pacific Corporation owns one of America's leading transportation companies. Its principal operating company, Union Pacific Railroad, links 23 states in the western two-thirds of the country and serves the fastest-growing U.S. population centers. Union Pacific's diversified business mix includes Agricultural Products, Automotive, Chemicals, Energy, Industrial Products and Intermodal. The railroad offers competitive long-haul routes from all major West Coast and Gulf Coast ports to eastern gateways. Union Pacific connects with Canada's rail systems and is the only railroad serving all six major gateways to Mexico, making it North America's premier rail franchise.
(Minimum requirements to listen to broadcast: Windows Media Player software, which is downloadable free from http://www.microsoft.com/windows/windowsmedia/default.mspx, and at least a 28.8 Kbps connection to the Internet.)
The statements and information contained in the news releases provided by Union Pacific speak only as of the date issued. Such information by its nature may become outdated, and investors should not assume that the statements and information contained in Union Pacific's news releases remain current after the date issued. Union Pacific makes no commitment, and disclaims any duty, to update any of this information.


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Prisoners pop up on pen pals website
NM prisoners aren't allowed to access social media profiles
New Mexico's prisoners are not allowed to use the Internet, but recently online profiles of state inmates have started popping up on a website for prison pen pals.
"It's against policy for offenders to use the Internet or to have a third party post something on the Internet for them," New Mexico Department of Corrections spokeswoman Alex Tomlin said.
That includes Facebook, Twitter and even the website writeaprisoner.com. But the policy hasn't stopped inmates from having their profiles somehow show up online, in the hopes that someone will write.
One man, Preston, has a profile on writeaprisoner.com that shows a picture where he's flexing shirtless. A description of his personality said he's easygoing, funny and goodhearted. What the profile doesn't state is that he's in prison for aggravated burglary and tampering with evidence.
Tomlin said that profile was uploaded by someone other than the inmate.
"It's clear to us that a family member has done this, or a friend, again against policy," Tomlin said.
The policy is in place because prisoners could use websites to make dangerous connections.
"You could see how it's a slippery slope that if an offender didn't have good intentions," Tomlin said.
Criminals can use pen pals as liaisons to connect to other criminals, gangs, and even victims. That's why any prisoner found on any social media site is subject to disciplinary action.


text:
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We guarantee that all items ordered will be delivered on time and in
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greatest value for your money with a money back guarantee, which means these
items are risk-free. If you received a damaged item, let us know; send the item
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Why Choose Us?
A lot of people choose TheUpScaleKitchen.com when
it comes to buying Pot Racks online. And, there are several reasons why you
should do the same. First and foremost, we offer the fastest delivery process
and also the safest shopping system through our website. Our website is
protected and secured by one of the top security systems today, assuring you
that your personal information, especially your credit card information is safe
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We continually work with our suppliers to ensure we
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If you have any questions about the products we
offer, please do not hesitate to get in touch with us today.


text:
As middle-men reduce the profits from coffee, some farmers are turning to growing bananas, even though their need for water may make them less than climate-smart
KIRINYAGA, (Thomson Reuters Foundation) — After years of struggling to make their living growing coffee, smallholder farmers around the Mt. Kenya region are shifting their focus to bananas and investing in irrigation in the hopes of taking the thirsty crop to the export market.
Coffee has long been the main cash crop in the area, grown alongside maize, one of Kenya's staple foods.
"But with the unreliable rainfall that has affected the maize yield, and brokers who have cut off the cash flow from coffee, we have settled for bananas, which give us food for our children and money to take care of our families," said Jacinta Mugo, chairlady for the Ramini Banana Farmers Association.
Banana is a major staple among a variety of communities in Kenya, but until recently the crop was never considered to have commercial potential, with farmers only growing small patches for family use.
Mugo decided to try her hand at growing bananas on a full acre of land in 2009. After realising the potential of the crop, she uprooted coffee from her remaining two acres to concentrate on bananas.
Though it takes much more water to grow bananas than to grow coffee, farmers say that the crop generates enough income to pay for irrigation, to buy maize grown elsewhere, and to cater for other family needs.
"The monthly income from bananas is ten times more than I used to get from coffee," said banana farmer Canon Jean Munene, a member of the Ndieni Banana Growers group.
In order to increase the crop's commercial potential, half a million farmers belonging to Kirinyaga County's 86 banana growers' associations have joined together to take out a bank loan worth 11 million shillings ($130,000) to invest in a 23 million shilling ($271,000) irrigation project that should be more stable, cost effective and reliable than the systems they currently use.
"We have decided that with or without rainfall, we will scale up farming of the crop," said Mugo of the Ramini group.
Under the umbrella of the Karia Water Project, the groups have already paid a 10 percent downpayment on the loan. The rest of the project will be funded by a grant from the Small-Scale Irrigation Scheme, a local nongovernmental organisation.
"This is going to take our farmers to a different level," said Flecia Wambui, chairperson for the Kirinyaga arm of the Banana Growers Association of Kenya, which trains smallholder banana farmers on best practices and links them to the markets through its networks.
"We have already initiated discussions with the Foreign Affairs Ministry as we eye the export market," she said.
In Kenya, coffee — described as the country's "black gold" during a 1980s growing boom – has over the past few decades lost its shine for growers as the cooperatives that market and sell coffee overseas have lowered the prices they're willing to pay for it.
"Coffee was, and is still, a golden crop not shaken by the tough climatic conditions (in Kenya)," said Joseph Muhe, who stopped farming coffee six years ago and now pays school fees for his five children with money from growing bananas and macadamia nuts. "But brokers have siphoned the value in coffee," he said.
The commercialisation of bananas in the Mt. Kenya region has attracted researchers from the Jomo Kenyatta University of Agriculture and Technology (JKUAT), which develops improved "tissue-cultured" seedlings for farmers and provides training on how to maintain them.
Grown to combine traits such as high productivity, fast growth and resilience to tough climactic conditions, the seedlings are making it easier for many more smallholder farmers, particularly in Central Kenya, to move from growing small patches of bananas for home use towards structured commercial farming of the crop.
Banana farming is becoming so popular that the government has launched the National Banana Development Strategy, to oversee growth of the industry until 2016.
"It has always been a crop for women's financial security," said Munene, the banana farmer from Ndieni village. "But with the efforts to commercialise it through groups and support from partners, we can see men voluntarily joining us because of the sweet banana money."
Isaiah Esipisu is a freelance journalist specialising in agriculture and environment reporting. He can be reached at firstname.lastname@example.com
Our Standards: The Thomson Reuters Trust Principles.


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I would at least pick moises henriques in the prime ministers xl this year as well as a few prmosing youngsters.
I would at least pick moises henriques in the prime ministers xl this year as well as a few prmosing youngsters.
Moises is certainly gunning it in Grade Cricket.
Wright has pretty much said it all.
Jesus brings life eternal
He has taken lambert's position at no 7,every chance to now succeed,would love to see him play in the full strength NSW side against england expect brett lee to play at 7 so all the bowlers can have a go.
Cullen would have been much, much better off staying in Australia and playing some domestic first class cricket.
Totally agree. Not much value with him barely playing in India when he could be getting both one day and first class experience back in Australia.Originally Posted by Prince EWS
Cricketweb Colts Captain
I'm a member of Club KerryOriginally Posted by Richard
I'm Green
The color of immortality, nature and envy - you are truly a unique person. While clearly the color of nature, you also symbolize rebirth, fertility and hope in the world. On the other side of the spectrum, a natural aptitude to money with green coming to signify money and possibly even *********!
They should have sent Nathan Haurtiz all his going to do this season is play grade cricket, so they should have given him a free trip to India.Originally Posted by Mister Wright
The man, the mountain, the Mathews. The greatest all rounder since Keith Miller. (Y)
Jaffna Jets CC (Battrick & FTP)
RIP WCC and CW Cricket
Member of the MSC, JMAS and CVAAS
Harsh but true.Originally Posted by chaminda_00
Interesting that Stuart Clark is now expected back for NSW in their next pura cup game.
No charminda hong kong 6's for nathan hauritz .
Hmmm...played for NSW today and had the best bowling figures for them.Originally Posted by chaminda_00
There are currently 1 users browsing this thread. (0 members and 1 guests)


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Male Enhancement Products
What Is The Difference Between Male Enhancement Supplements and Erection Dysfunction Drugs?
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Men who are looking to increase stamina in the bedroom can choose from many prescription and non-prescription products. Male enhancement supplements contain natural products and are herb-based targeting both your sexual health and providing other benefits over time.
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A Sampling of
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There has been much written about the potential dangers in taking male sexual enhancement supplements. Adam & Eve Stores sells only products that have been regulated by the FDA through OTC Drug Monographs. The monographs represent a list of acceptable ingredients, doses, formulations and labeling. Products that Adam & Eve Stores sell are updated frequently by the FDA and the supplements and products should continue to conform to the additional ingredients and labeling that is needed.
Oral supplements are another type of product popular for getting and maintaining a strong, satisfying erection. These options contain natural ingredients that jump-start the body's hormone production, leading to an improved libido and better performance. As with any supplement, please consult with a medical professional before taking any dietary supplements.
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The American middle class is the backbone of the American economy. Since the collapse of the credit markets of the Great Recession of 2008-2011 and the subsequent tightening of credit standards, the American middle class has had diminished access to credit. Yet, America's ability to grow itself out of the Great Recession is dependent upon the middle class' credit access.
The Brazilian economy and legal system may offer America a way out of its credit access problem via the Brazilian "Purchasing Pool System." A purchasing pool may allow the American middle class the ability to access credit to purchase houses, cars and other large consumer goods, in a planned and organized way, without the financial institution incurring the risks associated with, by example, bad mortgages and non-collectable credit card debt.
A purchasing pool is a cooperative group of persons and/or companies that is formed in order to enable the acquisition of goods or services by each of the members, through the establishment of a mutual fund. The Central Bank of Brazil treats this product through regulation 3432/09. The matter is also addressed by Brazilian Federal Law 11.795/08.
Brazil has developed a body of case law jurisprudence regarding the relationships among parties of the purchasing pool. A prominent issue arises in a request for the return of the contribution paid to date by a member of a purchasing pool who exits the pool before the term agreed in the purchasing pool contract.
A purchasing pool is formally established when its membership achieves the requisite number established by the contract sufficient for the pool's financial viability to be able to meet its stated objective (e.g., purchase a car for each member). Upon the pool's formal materialization, each member pays an amount each month in favor of the mutual pool fund that will be awarded to a member, selected by a randomized lottery, for the purchase of the pool's stated objective. Where the pool has excess monthly funds that would allow a second purchase, the pool will also hold an open bid among its members for a second "winner."
In both cases, the Purchasing Pool Administrator provides the resources by letter of credit drawn on behalf of the Purchase pool to the selected member in order to enable him to acquire the good or service that is the purpose of the purchasing pool.
Beyond the contribution to the mutual fund, the members have to pay a management fee to Purchasing Pool Administrator as well as an amount to form a reserve fund for emergencies and some expenses of the pool. However, the purchase pool does not charge interest. Furthermore, what is not expended of the pool's reserve fund and its mutual fund returns to the active members at the expiration of the term of the purchasing pool. The Brazilian average pool management fee for cars is 13% and for real estate (such as condominiums) 17%. The reserve fund is 3%. The administrative and reserve charges are levied on the value of the good or service but paid over the term of contract. For example, for a new automobile whose price in Brazil is US$28,400, through a purchasing pool, the monthly payment would be approximately US$411 for 80 months, totaling about US$32,900.
For the sake of brevity, there are some additional issues that I'm not addressing now, like the impact of members exiting the purchase pool before the end of the pool's life, a member's non-payment, the purchasing pool's security interest in the acquired goods, and some aspects of the Brazilian consumer credit system that differ from America's.
A purchasing pool may provide an effective financing tool for Americans, especially for the middle and lower middle classes that are currently having difficulty obtaining credit because of tightened standards. Besides creating credit capacity in tight credit markets based on the pool's assets, the purchasing pool mitigates the necessary percentage of upfront cash on many traditional forms of finance. Purchasing pool credit may lead to increased consumption and economic growth arising from the strengthening of the whole value chain – industry, commerce and services, without the same impact on a financial institution's balance sheet.
From a U.S. policy perspective, a purchasing pool regime may provide a simple and responsible solution to grow economy activity for a country traumatized by a recession caused by easy credit. From a U.S. financial institution's perspective, it may allow it to become competitive for attracting new clientele segments to grow deposits and fee income, without the corresponding balance sheet risk.
Please send questions or comments to the author, Juliana Molinari, at email@example.com. She is a counsel for a tier 1 Brazilian financial institution.


text:
Notice: On April 23, 2014, Statalist moved from an email list to a forum, based at statalist.org.
[Date Prev][Date Next][Thread Prev][Thread Next][Date Index][Thread Index]
[no subject]
The list's guidelines preclude attachments but certainly do not
preclude ASCII text within a posting showing part of your data.
In reply to my question:
On Mon, Jun 13, 2011 at 6:21 PM, Partho Sarkar <firstname.lastname@example.com> wrote:
> Hello all,
> I am quite new to Stata (and this list), and trying hard to quickly
> pick up the skills while on the job. Would really appreciate some
> help with this task, and please excuse if this seems too elementary!
> Problem:
> I have a large dataset which gives prices of a commodity at each date
> for different markets across the country. The markets are classified
> by State, District & Market (names). (The commodity is only traded in
> some markets, in some districts, and some states). I need to get an
> idea of the periods/dates for which the data are ?sparse?, i.e., there
> are too few of the Markets reporting a price.
> So I need,
> 1. For each date, the total number of markets (over all states and
> districts) for which a price is reported, and
> 2. The maximum number of markets for which a price is reported for any
> date in the dataset
> In addition, to do a geographical analysis, I would like to record,
> for each date
> 1. The number of reporting markets in each district versus the total
> no. of markets in that district,
> 2. The number of districts in each state for which prices are
> reported, versus the total no. of districts in that state
> 3. Similarly, the number of states for which prices are reported,
> versus the total no. of state s where a price is ever reported
> I hope this is clear, as I think the List rules prevent me from
> including a preview/sample of my data.
> Thank you
> P. Sarkar
> Consultant Econometrician
> India
* For searches and help try:
* http://www.stata.com/help.cgi?search
* http://www.stata.com/support/statalist/faq
* http://www.ats.ucla.edu/stat/stata/


text:
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- Show your feminine charisma perfectly
- Made of skin-friendly and non-sensitizing material that feels comfortable
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Couscous Salad
September 15, 2011 § 2 Comments
I know, I've been a bad blogger recently. Regular blogging is tough. Maybe its because I'm easily distracted. Look at the pretty butterfly over there….What was I saying? Oh yes, distractions, they happen and often. It is easy and surprisingly fun to write this blog once I get into it but sometimes I forget I even have a blog. Every once in a while it is nice to have a pizza-booze-tely night with my lovely boyfriend and leave the cooking to the professionals over at pizza hut. How I love their cheese stuffed crust, such a guilty pleasure. And after one of those nights it's easy to become lazy about cooking. I'll end up making quick meals or things we've had a million times–nothing blog worthy.
Then there are other times, like tonight, when I cook up a storm. I've got five different dishes on the menu tonight, four of which still need to be assembled–maybe I should be writing this later. The masses can wait. After all the chef should be able to decided when it's dinner time. But as for the dishes, I'll be blogging most of them
in the near-ish future once I get my computer fixed. « Read the rest of this entry »
Tomato and Goat Cheese Tart
September 5, 2011 § 3 Comments
This tart makes me feel like a European chef. I can imagine myself taking a day off from my restaurant and staying home to make something like this. We would lounge outside on the patio enjoying a light dinner of wine, tarts, and cheese. Ah, the life… Even if you aren't actually in your dream villa or anywhere close to it, this tart will transport you. Let it take you to your happy place.
The goat cheese and the slightly charred tomatoes marry so well. I'm still shocked that I willingly eat tomatoes. Why didn't anyone tell me how amazing summer tomatoes can be? I'm sad to think that their moment is ending. Soon we'll be moving into the fall vegetables. « Read the rest of this entry »
Summertime Limeade and ramblings
September 2, 2011 § 2 Comments
It's like lemonade but tangier.
I grew up drinking freshly made juices on a daily basis. I didn't realize that it was unusual behavior to do so. In the United States you get your juice from a carton at the store. I don't think Nicaragua even had premade juices. There were so many fruits, many of which stayed in season for most of the year. We never went without fresh juice. Before I learned how to cook or bake anything I learned how to pick 'limon mandarinas' from our tree and make a pitcher of juice. Now I realize that limon mandarinas don't even exist in the states, at least not anywhere that I've seen, and I've also realized that fresh juice is a pricey commodity. When you decide to pay the price for fresh juice it pales in comparison to what we used to have in Nicaragua.
Nicaragua, my beautiful tropical land. We had over a dozen fruit trees in our backyard. Something was always blooming and bursting with life. I miss being able to climb those trees and pick my own fruit. Sometimes I'd just hide out in the avocado tree if I didn't feel like seeing people. Or if I was feeling sociable I'd climb the mango tree and wave to the passersby on the street. I have many memories of just being perched on a branch somewhere. This is starting to sound like the memoirs of a monkey but it was peaceful and beautiful; I miss it sorely.
Quick Cinnamon Buns
August 25, 2011 § 3 Comments
I love making cinnamon buns as a house warming to ourselves. We have done a lot of moving recently and we will continue to for the next month. This weekend we are moving out of one apartment, and in a couple of weeks we will be moving into the next. When I saw this recipe I immediately thought of the cinnamon buns I'll be making when we are finally done with all the moving. Of course, I had to make sure that they were up to snuff, so I had a great excuse to make them.


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Broomball HQ
Use the links below to find more in depth information about the sport of broomball.
History of Broomball
While the history of broomball is rather vague, a few main facts have been widely reported. Broomball as we know it was first played in Canada in the early 1900's by street car workers using a small soccer ball and corn brooms. The sport evolved and was brought down to the United States. The first games were reportedly played in Minnesota, the birthplace of USA Broomball, beginning in the 1930's. Leagues, however did not blossom until the 1960's, when teams like Duffy's flourished. Duffy's, a team from Minneapolis, was the championship team of Minnesota's first state tournament, held in 1966.
Broomball in the United States started out with 10 players on the ice per team (one goalie, three defensemen, three mid-linesmen and three forwards). By 1967, the number of players was reduced to eight players per team. Some leagues still play eight-man broomball. By 1980, the rules changed to six players per team, as the game is played today. Also in 1980, the floating blue line rule came into effect (see the Rules page for the definition of the floating blue line).
From Minnesota, the sport was exposed to other states, such as New York, Ohio, Wisconsin, North Dakota, Iowa and Nebraska. Thanks to the determination of the Minnesota Sports Federation and due to cold winters and its interest in hockey, Minnesota, the "State of Hockey," bears the largest known concentration of broomball teams in the nation. Some of the sport's best teams hail from Minnesota, including Minnesota Red, the 2002 World Cup Champions, and former team USA Blue, a very competitive team that has won countless tournaments throughout North America.


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I think we'll have to agree to disagree here, Cathy. I don't think I''m in a position to comment on the Femen's inner motives but they certainly are very brave in pressing their issues the way they do. Look hwat happened to them in Russia. If they just wanted to expose themselves for fun, there are far safer ways to do it. Whether it benefits or hinders feminism I don't know. Anyway, trespass by unclothed women isn't the image that "mosque invasion" conjours up - I was thinking of a couple of dozen burly louts.
As for linking Dawkins to Bare Naked Islam (which turns out not to be protesting women after all) Dawkins idd not contribute to the site: it simply reproduced his tweets in which he says that he considers putting an 18 year old in gaol for 12 months for a nonviolent act is unreasonable. Of course she shouldn't have done it but the sentence seems unfair for an idiotic act and his comparison with other, unpunished, offensive acts is surely a valid point.
The last link in your post seems to be broken, btw.
Perhaps we should all agree to end this thread here - we could go on forever and it is off-topic. Unless, of course, Sheriff Alistair Noble turns out to be Dr. Alistair Noble of C4ID, which I doubt,


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As part of my continuing series where guest authors share reviews of courses at genealogy institutes, here Ann G. Lawthers writes about one of the courses at the British Institute which is sponsored by the International Society for British Genealogy and Family History.
Review of "Advanced Methodology for Irish Research"
by Ann G. Lawthers
Do you have an Irish brick wall? Or do you merely have ancestors from Ireland you wish to know more about? David Rencher's course "Advanced Methodology for Irish Research" at the week-long British Institute helps you scale the walls and follow the trail of breadcrumbs left by your ancestors. The course principally builds research skills, but also introduces the student to the rich array of Irish resources available at the Salt Lake Family History Library. Many of the FHL resources can be ordered and sent to your local Family History Center. Since Irish records suffered a devastating blow with the demolition of the Public Records Office in 1922, the tools, skills, and strategies learned researching one's Irish ancestors also apply to researching an ancestor from a burned county in the US.
Students begin by learning to thoroughly mine what they know about ancestors on this side of the pond for clues about the people left behind in Ireland. Next, transferring the focus to Ireland, students learn to evaluate and use pre-20th century lists of names, such as Griffiths Valuation, for clues about ancestors. And location, location, location. A wealth of resources about Irish places and institutions awaits you at the Family History Library: the Parliamentary Gazetteer, Ordnance Survey maps, county histories and more. For those with ancestors from Northern Ireland, the course spends a day introducing the student to the special problems of Scots-Irish research.
I would highly recommend any of David Rencher's Irish courses. He is an engaging presenter and thoroughly knowledgeable about the subject. You will learn research techniques that help you not only with your Irish research but can be used for other family lines as well. You will find yourself regularly referring to the excellently organized syllabus when you return home to remind yourself of specific strategies. To top it off, being in Salt Lake for the course and having the resources of the Family History Library at your fingertips, makes for a priceless experience.
Ann G. Lawthers researches her Irish, German, French-Canadian and English ancestors from her home in Massachusetts. She has completed the BU Certificate course, the BU writing course, as well as the 2012 British Institute course, "Advanced Methodology for Irish Research." Ann juggles a full-time job, various volunteer posts, participation in ProGen 15, as well as the siren call of her family's history, but hopes to achieve Certified Genealogist status one day.


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Roman Glass Works
February 21, 2014 - April 19, 2014Buy Tickets
Roman Glass Works
Roman Glass Works explores the art of ancient Roman glassblowing through the examination of vessels from the collections of Augustana College and the Putnam Museum. Western Illinois University students from the Museum Studies Graduate Program contributed to the exhibition layout and educational, interactive components, all of which create a context that connects the history of glass-making from ancient Mesopotamia to the present day.
This exhibition is on view February 22, 2014 through April 20, 2014.


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Case IH is the premium brand for professional agricultural machinery. More than 160 years of experience stand for first class agricultural technology when it comes to the development and sales of tractors, combine harvesters and hay balers.
20 years after the company was established by Jerome Increase Case in 1983, the first steam engine for agricultural work was produced. The first tractor factory was created in 1913 near to Racine, Wisconsin. In 1985 Tenneco took over the agricultural machinery manufacture. As a result of this merger the subsidiary company 'Case IH' was formed. This coalition of both producers created considerable strategic advantages for them. The market share for tractors suddenly increased to 35% in the USA, the dealer network was broadened and in the area of agricultural machinery the gaps in the product range were able to be closed. In 1985 Case acquired shares of International Harvester and then went on in 1994 to buy the company entirely. 2 Years later the take-over of the Austrian producers, Steyr, followed. In 2000 Case and New Holland merged to create the company, CNH. Since this point in time, Case IH belongs to the Fiat concern.
CNH Global is the worldwide second biggest producer of agricultural machinery as well as being a manufacturer of construction machinery. In the agricultural division, modern machines for agricultural work, such as tractors, combine harvesters, cotton and sugar cane machines and also special machinery, are produced. The headquarters of the company are in Racine, in the US state of Wisconsin. CNH generated with nearly 30,000 workers a sales volume of 11.9 Billion Euros. Furthermore, CNH builds, in the agricultural branch, the largest towing vehicles in the world. The Case IH Steiger generates such an output with its 16 tonnes and 600PS that it is not comparable with European dimensions. Such machinery is needed in order to work the endless fields in Iowa, Minnesota or North and South Dakota. It is not the exception that such field are 10,000 Hectares bigger or more.


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Transplant Number 100
When Israels renowned Beilinson Hospital performed its one hundredth kidney transplant last month, the occasion called for a special ceremony. The dedicated staff had the honor of the participation of Rabbi Yisrael Meir Lau, the former Chief Rabbi of Israel and one of the countrys most sought after speakers. The patient that was the beneficiary of this hundredth transplant was Rabbi Laus niece, who had suffered for many years from renal fibrosis.
The Beilinson staff is quite accustomed to celebrity patients. A couple of years ago they planted into the body of United Torah Jewry Knesset Member Rabbi Avraham Ravitz a kidney taken from his oldest son. That transplant received a great deal of publicity not only because of Rabbi Ravitzs fame as a spokesman of Orthodox Jewry in Israel but also because of the drama surrounding the kidney donor. A major dispute among Rabbi Ravitzs many sons as to who would have the privilege of donating his kidney had to be settled by the decision of a leading halachic authority.


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Oh, happy 1st of May and oh, Mercury how thankful I am that you have gone direct :)
In fact, here's how my May horoscope started out...I don't think I want to click on the "read more" part because the first paragraph on the splash page is good enough for me...
"What an extraordinary month you have in store! May will be one of the happiest months of the year, and it will have none of the crosscurrents that you had to deal with in other months, ones that detoured your progress. In April, for example, Mercury had been retrograde nearly all month, from March 30 to April 23. That was then, but this now - what you see in May is a nearly picture-perfect month!"
Well, it is true that in the past couple of days, lots of awesome stuff has been happening and even more is on the horizon but I've been told by both kids I am not permitted to blab. That being so, while I will always love this blog and will definitely keep it around for when I can announce huge news, I am moving over to Facebook notes for my daily journal. That way, I can update regularly with my crazy private thoughts and links but I will be able to control who reads it because yes, you will have to be my Facebook friend and that can be accomplished by clicking this link.
But again, this blog is far from over. One thing I really wanted to do but never quite got off the ground was to make this a review site for books and music I love. So that might happen. And then there's my fascination with food. Do I believe I am a vegetarian for almost two years? Crazy. Who would have ever thought. So you might be treated to excerpts of the cookbook in progress that Julie and I have been threatening to write for the past year.
So this is not goodbye, just more of a heads up as to where you can find me and my latest news...but continue to keep your eye on this space because it will be evolving and who knows...
But yes, both Julie and Eric do have major announcements about upcoming shows and collaborations. And so do I!
Talk soon. xo