text:
Investors aren't bringing sexy backApril 7, 2014: 4:02 PM ET
Boring is back.
In a choppy market, investors are shifting their strategy, eschewing the once sizzling sectors (think: tech) in favor of the more mundane variety (think: utilities).
Dividend-paying companies, long-considered a tad too defensive, are especially in vogue now.
Red hot names such as Tesla (TSLA) and Netflix (NFLX) have tumbled this month, while utility stocks, known for their healthy dividends, have jumped. The Utilities Select Sector SPDR Fund (XLU) is up over 9% this year. Its top holding, Duke Energy (DUK), sports a dividend yield of 4.4%.
"Investors are flocking to what is known as opposed to what is promised," said Jim Russell, Senior Equities Strategist for U.S. Bank Wealth Management.
Russell said the rotation comes as investors start to worry about possible weakness in first quarter earnings, which were likely hampered by unusually harsh winter weather. That, in turn, has caused them to fret about sky-high valuations.
Related: Brace yourself for ugly corporate earnings
"While there is a lot of promise there, we think some stock prices outran any kind of semblance of reality," he said.
Amazon (AMZN) , for instance, which has tanked about 20% this year, trades at almost 170 times 2014 earnings. That's compared to almost 16 times earnings for the S&P 500.
While the about-face is painful for investors who bet that the high fliers could continue to soar, it's vindication for those like Robert Browne, Chief Investment Officer for Northern Trust.
Browne said he's stayed away from many tech stocks with valuations he had trouble justifying. He instead likes to get paid in dividends, because they tend to instill discipline on company management.
"This past month has finally been some positive payback for us," he said.
But the shift from momentum stocks to conservative companies may be most pronounced in the healthcare industry.
Biotechnology stocks have pulled back sharply after swelling earlier in the year when investors bet that firms with promising drugs could deliver big returns. After rising more than 20% for the year by mid-February, the iShares Nasdaq Biotechnology ETF (IBB) is now in the red.
At the same time, Merck (MRK) is up 11% year to date, and Johnson & Johnson (JNJ) has risen over 7%. Those healthcare giants pay dividend yields of 3.2% and 2.7%, respectively.
So what does it all mean?
Bumpy seas ahead, according to Michael Gayed, Chief Investment Strategist for Pension Partners in New York. In research dating back to 1926, Gayed found that periods in which utilities were popular were followed by greater overall market volatility.
And with the yield on the 10-year treasury note trading at a still low 2.7%, Gayed said investors are turning to dividends for steady income.
"There's a clear relationship between bond market movement and demand for dividends, they tend to compete with each other," he said.
Still, Russell predicts that the pullback will be short lived, even for momentum stocks. He believes that weakness in first quarter earnings will most likely be made up for with a strong second quarter.
Related: Momentum strategy: Skip stocks, go for sectors
But in the meantime, dividends are a safe bet.
"The dividend feature is awfully appealing," he said. "It's a nice place to hide for a little while."
As the markets continue a three-day dive, investors are looking for those safe harbors.


text:
Skincare Products
Skincare Systems
Showing all 5 results
New Clear Skin Essentialss
New Clear Skin Formulass
Skincare Productss
Australia's Premier Online Supplier of Acne Cream & Anti-Wrinkle CreamCommitted to delivering natural, pure and effective skincare to Australian consumers, SuperNatural Skincare believes that beautiful, clear skin requires a holistic approach. We utilise a range of natural active ingredients that work to nourish the skin, helping to improve skin health, reduce inflammation, remodel scarring, fade pigmentation, accelerate collagen production and clear acne. We are 100% Australian owned, and our products are free from any nasty ingredients – meaning there's no sodium lauryl sulphate, propylene glycol, mineral oil, parabens, or artificial colours/scents. We use natural ingredients such as plant and flower extracts, and our products are completely cruelty free. When you buy anti-wrinkle cream online from our range, you can rest assured it hasn't been tested on animals!
From anti-wrinkle serums to daily cleansers, we have you covered!Everyone's skin is different; therefore, it makes sense to use a skincare product that meets your individual needs. At SuperNatural Skincare, we have created products that address a variety of common concerns – such as ageing skin (fine lines, wrinkles and loss of elasticity), pigmentation, sensitive skin, rosacea and also oily/acne prone skin. These five core skin concerns require very different approaches; as such, we have created products that fall under each of these categories. Our products utilise a unique delivery system, meaning they penetrate the skin's outer levels – thereby reaching your 'true skin' for better results.
Place your order online todayWhether you are searching for the best anti-wrinkle cream or serum, are looking for an anti-acne cream that helps to clear skin, or are making the switch to skincare products that utilise natural ingredients, look no further than SuperNatural Skincare. Not sure what type of product is best suited to your skin? We offer face to face and online skin consultations, allowing our specialists to provide you with expert advice. Browse our product range today, and if you have any questions be sure to get in touch by filling out our online enquiry form. We offer free shipping Australia wide for all order over $150 – meaning you can acquire quality skincare products no matter where in the country you're located!
Specialised SerumssLaunch Advisor Send Photo
Skin Rescue Creme 30ml$48.98 Pimple Healing Cream Add to cart
Age Reversal Serum 30ml$89.98 Rejuvenating Renewal Serum Add to cart
Skin Rescue Oil Complex 30ml$98.98 Anti-Rosacea Skin Therapy Add to cart
Skin Repair+ 30ml$79.98 12% Vitamin C Skin Therapy Add to cart
Skin Repair Serum 30ml$79.98 Super Hydrating & Plumping Serum Add to cart

subset: commoncrawl


text:
African Mud Cloth | White + Black Cross ( Lumbar )
Sold Out
Accent pillows are a great way to accessorize and complete that look you are going for in any particular space.
This beautiful African mud cloth pillow cover fits perfectly in any space!
- Different fabric on each side of the pillow
- 100% linen
- 100% vintage Malian Bogolanfini fabric
- Color | white, black, natural
- Available in sizes | 14" x 20" , 14" x 28"
- Comes in style | invisible zipper
- All inseams are finished to prevent fraying
The fabric is thick yet has a nice soft hand. This unique fabric has variations (imperfections) in weave, dye, stitch, and artistic paint designs which are present in handmade vintage textiles, and only enhance their uniqueness and natural beauty.
Lead time, fabric swatches, care instructions, and more FAQ


text:
- Insurance Claim
- Best Deals On The Market
- Professionally Trained Team
- Top-notch Services!
We will make sure you understand exactly what to anticipate
You will need to be knowledgeable on the subject of Bathroom Mirrors in Phelan, CA. We will make sure you know exactly what can be expected. You won't confront any sort of surprises whenever you work with Bathroom Mirror Guys. Begin by contacting 800-367-9920 to go over your work. With this phone call, you get your concerns responded to, and we are going to establish a time to commence services. We work together with you all through the whole process, and our company can show up promptly and organized.
Bathroom Mirror Guys is the company to consider for your Bathroom Mirrors in Phelan, Wyoming requirements
Plenty of reasons exist to pick Bathroom Mirror Guys for Bathroom Mirrors in Phelan, CA. Our products are of the highest quality, our money saving strategies are realistic and effective, and our customer satisfaction scores won't be beat. We are aware of your preferences and intentions, and we're there to assist you using our practical experience. Whenever you need Bathroom Mirrors in Phelan, choose Bathroom Mirror Guys at 800-367-9920, and we'll be beyond pleased to help.


text:
Golf 1hr ago
Rockstar Energy Drink billionaire flips properties for $15.4 million profit after buying them from Tiger Woods' ex-wife five weeks ago
Rockstar Energy Drink billionaire Russell Weiner has just flipped — for a recorded $48.19 million — two adjacent houses he bought five (…)
PGA Tour 3hr ago
Tiger Woods-hosted Hero World Challenge canceled due to COVID
As travel restrictions remain because of the COVID-19 pandemic, another event has fallen off the PGA Tour schedule. The Tour announced (…)
PGA Tour 3hr ago
Zozo Championship odds, predictions and PGA Tour best bets
The PGA Tour remains on the West Coast but shifts south to Sherwood Country Club in Thousand Oaks, California, for the 2020 Zozo (…)
PGA Tour 4hr ago
Dustin Johnson withdraws from Zozo Championship one week after positive COVID-19 test
A week after a positive test for COVID-19 forced Dustin Johnson to withdraw from the CJ Cup at Shadow Creek, the world No. 1 has now (…)
2020 Masters 4hr ago
Masters online shop to open in early November, but there's a catch
Patrons who had tickets for the 2020 Masters Tournament and 2020 Augusta National Women's Amateur will have exclusive online shopping (…)
Golf 7hr ago
Charles Barkley guaranteeing victory alongside Phil Mickelson in The Match vs. Steph Curry, Peyton Manning
Charles Barkley is guaranteeing a victory when he and Phil Mickelson take on Golden State Warriors star Stephen Curry and NFL legend Peyton (…)
Golf 7hr ago
Upper Deck is bringing back trading cards featuring Tiger Woods, Danielle Kang and more
Chances are high many of you reading this right now have an old box of trading cards lying around the house somewhere. Come next spring, a (…)


text:
No. 9 – Craigtoun
At The Duke'sPar 4Stroke: 2
- 417
- 396
- 374
- 351
- 283
How to Play this Hole
The right side of centre should be favoured from the tee, as the fairway slopes to the left, allowing you a flat lie to face your approach to this well-guarded and elevated green. Accurate approaches are vitally important, as severe side swales will leave a very tricky recovery to the narrow green.
Browse The Duke's
No. 1 – Highland
This demanding par 5 first hole with a wee opening plays uphill all the way to an elevated green guarded by a deep green-side bunker.
No. 2 – Drumcarrow
Surrounded by trees, this narrow par 4 challenges golfers and demands an accurate drive up the left side of the hole to open up the green.
No. 3 – Denhead
The signature hole and shortest on the course, Denhead has a meandering walkway to give a stadium feel.
No. 4 – Roundel
A well-placed tee shot between the fairway bunkers leaves a direct approach to this green.
No. 5 – Beeches
Bunkers left and right of this dogleg could catch golfers out, but a 200-yard tee shot sets you up for a birdie.
No. 6 – Badgers
Another demanding par 5, this tree-lined tee shot has bunkers right and left to catch any wayward shots and culminates with a green surrounded by bunkers left and right as well.
No. 7 – Denbrae
An awesome, elevated tee shot with a sweeping left-to-right-shaped hole, Denbrae has a great view of Auld grey Toon, a historic building, on the horizon.
No. 8 – Fair Dunt
"Fair Dunt" can be an understatement with this uphill par 3, which can frustrate with prevailing winds.
No. 10 – Burn Brig
With a severe dogleg right to left, Burn Brig challenges even the best golfers. Short and straight will find you in a bunker, while too long means the ball will be swallowed up by the rumbling burn.
No. 11 – Winthank
The longest hole on the golf course, with hazards to the left and right, Winthank requires an accurate tee shot.
No. 12 – Double Dyke
Getting the distance right is key for this straightforward-looking par 3.
No. 13 – Braw View
This elevated par 4 tee box offers big distractions, as on a clear day golfers can see all the way over the sea to Carnoustie.
No. 14 – Well
An elevated tee and wide fairway make this hole ideal for long drives, as additional distance off the tee is necessary to hit this undulating green with nightmarish hole positions.
No. 15 – Steading
This hole features a sweeping dogleg right to left with an elevated green, as well as deep bunkers.
No. 16 – Melville
The last of the par 3s, Melville is a cracker with its bunkers left and right and severe drop-off through the back – not to mention the prevailing wind that blows left to right.
No. 17 – Strath
A picturesque gentle left-to-right par 4, this hole features two pairs of oak trees. It's known to the members as "The Card Wrecker"!
No. 18 – Ice House
Challenging all the way, this uphill par 4 includes the valley of sin to the right, which means a misplaced second shot will leave you praying for a miracle up & down.
Explore More Golf
- The Experience St Andrews
- Golf in St Andrews
- Online Store
- Photo Gallery


text: The First IntelR Certified and WindowsR Optimized Motherboard to Feature Thunderbolt? Technology Dual Intelligent Processors 3 with SMART DIGI+ Power Control SMART DIGI+ - Get a Blazing Performance Boost and CPU Wattage Requirements Cut in Half! Thunderbolt onboard - Blistering-fast Data Transfers and Daisy Chain Expansion mSATA 32GB SSD onboard - Complete System Boosting Solution Wi-Fi GO! - Wireless Media Streaming and Remote Desktop Made Easy Fan Xpert 2 - The Most Customizable Fan Controls ASUS SSD Caching II - Multiple SSD Caching, Instant Upgraded Speed Windows 8 Ready – Assured Compatibility Learn more about ASUS P8Z77 Series motherboard Shop Modal header Windows 8 Exclusive Features Fast Boot Instant OS Login ASUS has released new hardware and software designs to shorten system boot-up time to 2-seconds* for a smoother user experience that removes annoying delays under Windows 8, and even previous versions of Windows. Faster system boot and restart means Windows starts quicker and higher efficiency - No more waiting around. ASUS Boot Setting Multi-startup Options Thanks to ASUS Windows 8 hardware optimization, ASUS Boot Setting provides better flexibility in customizing your PCs startup process. You can enter the BIOS directly with one click through a user-friendly interface, and quickly select your preferred system boot up method: either get to the OS in seconds or opt for regular boot up. Whatever your choice, settings are saved and persistent, with no need to choose every time you power on. Product Highlights Thunderbolt™ Onboard "Intel and Asus have worked closely on the implementation of Thunderbolt™ technology onto their motherboards", said Jason Ziller, Intel's Director of Thunderbolt Marketing. "It is our pleasure to state the P8Z77-V PREMIUM is the first Thunderbolt certified motherboard in the industry, a testament to its solid design and compatibility." An industry first, ASUS has placed Thunderbolt I/O technology onboard, and are set to revolutionize the speed at which peripherals and displays operate. Featuring a maximum bi-directional speed of 10 Gbps, Thunderbolt is 2 times faster than USB 3.0 and an incredible 20 times faster than USB 2.0. And with the ability to daisy-chain up to six devices without the need for a hub or switch, that means less overheard for a clutter free computing experience. For example, users can connect multiple native Thunderbolt storage devices, an HD video capture device and even an HD display to a single Thunderbolt chain while maintaining maximum throughput. You can also connect a DisplayPort, DVI, HDMI or VGA display with an existing adapter. For a list of certified Thunderbolt products, please visit: https://thunderbolttechnology.net/products ASUS SSD Caching II Multiple SSD Caching, Instant Upgraded Speed SSD Caching II has been upgraded with a multiple caching function, adding four extra SATA 6Gb/s onboard. This feature offers performance upgrades by using multiple installed SSDs with no capacity limitations as a cache for frequently accessed data. It also allows user to choose the combinateion that suits their needs. For example, you can choose three SSDs matched with one HDD or two SSDs with two HDDs. Harness a combination of SSD-like performance and response and hard drive capacity with a single click, without the need to reboot for instant activation and complete ease of use. As an added bonus, it can even prevent data loss with the included backup function, so you can rest easy knowing your data is secure. mSATA 32GB SSD Onboard Complete System Boosting Solution A 32GB mSATA based SSD is onboard, enabling Intel® Smart Response and Rapid Start Technology™ for super-fast boot up and reduced resume times. Dual Intelligent Processors 3 with SMART DIGI+ Technology The world's first Dual Intelligent Processors from ASUS pioneered twin onboard chips - TPU (TurboV Processing Unit) and EPU (Energy Processing Unit). Dual Intelligent Processors 3 builds on that foundation with new SMART DIGI+ power control, which includes multiple digital voltage controllers, allowing ultra-precise tuning for the CPU, iGPU and DRAM. It's upgraded with one-click extreme performance optimization and selectable CPU wattage levels, offering easier power control and better power savings with the user-friendly AI Suite II utility. TPU plus SMART DIGI+ TPU with the All-New SMART DIGI+ for a Blazing Performance Boost Always at the forefront of power design, ASUS propels you into the future standard of power management again by SMART DIGI+ Technology, which works with the TPU (TurboV Processing Unit) to ramps up performance to its maximum. Enable the all-new SMART DIGI+ key with a single click and adjust CPU ratios manually in the TPU to increase CPU frequency up to an incredible 85%! CPU Wattage Cut in Half! SMART DIGI+ Technology also includes the Smart CPU Power Level profile, which reduces CPU power consumption to a specific indicated wattage with a single click, creating a cooler and quieter PC. With next generation Intel® VRD 12.5 future power technology, ASUS once again leaps to the future of innovation. ASUS Exclusive Features Wi-Fi GO! Connect Your Life – The Perfect Fusion of Desktop, Smartphones and Tablets ASUS Wi-Fi GO! makes enjoying home entertainment and remote control capabilities easier than ever by linking PCs, tablets, smartphones and TV together. With a Wi-Fi module on board, ASUS Wi-Fi GO! adds a host of useful and free Wi-Fi functions, providing wireless media streaming so you can enjoy home theater content on HDTV and remote access to your PC with a smart device. This feature leads the market by integrating Wi-Fi connectivity, multimedia streaming access and all smart devices with a one-stop utility for a futuristic connected lifestyle. > Click Here to Learn More Wi-Fi hotspot setup for convenience: quickly set up and connect anywhere at home thanks to instant soft access point and device detection. Build your network without an extra router! Turn smartphones and tablets into a remote control: Remote Desktop: access your PC from a tablet? No sweat! Control your PC in real-time from a mobile device for complete comfort. This function brings notebook-like convenience, by creating a virtual remote desktop, offering portable access to your data in desktop with a smartphone or pad. Motion control your PC: entertaining and customizable! Using natural gestures, you can move directionally to use applications with a smartphone or tablet's motion sensors. For example, in media players you can fast forward, go next, stop, or create a music playing motion control profile. You can even program sensor scenarios to design your own motion-based game! Remote keyboard and mouse: sit back and control your computer by using your tablet's built-in QWERTY keyboard to type and click ! (Ensure to download Wi-Fi GO! Remote to your smart devices either from Android Market or App store.) Wireless media streaming made easy: enjoy HD content, music and photos from the PC on your HDTV via Wi-Fi connectivity, the perfect match for creating your own home theater! Easy file and screenshot transfers: File Transfer: send and share files between your PC and smart devices* with only a right click on the mouse. Capture & Send: capture and send screen shots from your PC to smart devices directly by pressing the hotkey** *iPad/iPhone can only send, not receive files from the PC. **Hotkey set by users. * Set up Your Home PC with Wi-Fi GO! Wi-Fi environment setup: connect PC and smart devices on the same home network Install Wi-Fi GO! software on your PC Download Wi-Fi GO! Remote to your smart devices (Supported Systems: iOS 4.0 or later & Android 2.3 or later) Set up complete - get a host of useful free apps with ASUS Wi-Fi GO! Fan Xpert 2 The Most Customizable Cooling Controls, Ever ASUS Fan Xpert 2 unleash the true potential of your fans for the ultimate cooling and silence. Learn how to become a real fan expert with our easy, informative and flexible fan settings! > Click Here to Learn More Fan Auto Tuning Mode Seeing an opportunity for more fine-tuned control, Hardware-level ASUS Fan Xpert 2 literally blows away the competition. It provides an exclusive Fan Auto Tuning Mode to scan each fan's characteristics through the exclusive automatic fan speed detection, giving custom speed settings of each fan with a single click, achieving the best balance of cooling performance and low noise. RPM Fixed Mode Fan Xpert 2 also includes an RPM Fixed Mode for users who wish to reduce noise levels to near 0dB with highly specific fan speed control. It reacts to system loads for greater control. USB 3.0 Boost Faster USB 3.0 Transmission with UASP New ASUS USB 3.0 Boost technology supports UASP (USB Attached SCSI Protocol), the latest USB 3.0 standard. With USB 3.0 Boost technology, a USB device's transmission speed is significantly increased up to 170%, adding to an already impressive fast USB 3.0 transfer speed. ASUS software automatically accelerates data speeds for compatible USB 3.0 peripherals without the need for any user interaction. > Click Here to Learn More World's 1st USB 3.0 UASP Support – 170% faster instantly Complete USB 3.0 Solution – Performance boost for most USB devices Simple Plug & Boost – Auto detection design ensures best performance always USB BIOS Flashback Simple Plug & Press - Hardware-based BIOS Flashback A truly revolutionary hardware-based update solution. USB BIOS Flashback offers the most convenient way ever to update the BIOS! It allows users to update new UEFI BIOS versions even without hardware such as a CPU or DRAM installed into the motherboard. Just plug in a USB flash drive containing the BIOS file, and press the BIOS Flashback button for 3 seconds with the power supply connected. The UEFI BIOS will then automatically update without requiring further interaction. With its new, complementary Windows application, users can regularly check for UEFI BIOS updates and download the latest BIOS automatically. Hassle-free updating for the ultimate convenience! Network iControl Real-time Network Bandwidth Control With a single-click on/off button, the application currently in use has its data and network bandwidth prioritized over other programs. Moreover, you can prioritize your favorite software easily by configuring profiles through the intuitive user interface. Within the profile, programs can be pre-scheduled to run in a specific time period to avoid network congestion and long-waits on downloads. Auto PPPoE network connection provides a one-step setup for enhanced online convenience. Overall, it's an intuitive network bandwidth control center. LucidLogix Virtu MVP Up to 60% Hybrid Graphics Boost and 3X Faster Video Conversion LucidLogix Virtu MVP featuring HyperFormance™ Technology boosts your discrete graphics card up to 60% beyond its original performance through the test of 3DMark Vantage. Designed for Intel® processor graphics and Windows® 7 PCs, it perfectly combines the performance of discrete graphics cards with fast computing iGPU. Also with the newly designed Virtual Sync, users can enjoy a smoother gaming experience by eliminating tearing artifacts. LucidLogix Virtu MVP could also dynamically assign tasks to the best available graphics resource, based on power, performance and system load. This allows users to fully utilize 3x faster video conversion with Intel® Quick Sync Video 2.0 technology while retaining high-end 3D rendering and gaming performance, provided by both NVIDIA® and AMD graphic cards. When the discrete graphics card is not required, power consumption goes automatically down to near zero, making the system more environmentally-friendly. For users searching for perfection, LucidLogix Virtu MVP provides great graphical performance and the best flexibility and efficiency. * LucidLogix® Virtu Universal MVP™ supports Windows® 7 operating system. ** Intel® Quick Sync Video feature is supported by 3rd/2nd generation Intel® Core™ processor family. *** System Config: OS: Windows 7 64bit SP1 | MB: P8Z77-V DELUXE | CPU: CPU-1155-QB15-2700K-3.5G-Sandy BRIDGE100-8M |DIMM: DDR3 G.SKILL 17000CL9Q-16GBZH 4GB * 4 | Lucidvirtu MVP version: V126.96.36.19997 | On-board Intel VGA Driver version: V22.214.171.12498 | ASUS GTX580 Driver version: V126.96.36.19962 Latest Transfer Technology PCIe 3.0 Ready The latest PCI Express bus standard delivers improved encoding for twice the performance of current PCIe 2.0. Total bandwidth for a x16 link reaches a maximum of 32GB/s, double the 16GB/s of PCIe 2.0 (in x16 mode). PCIe 3.0 provides users unprecedented data speeds, combined with the convenience and seamless transition offered by complete backward compatibility with PCIe 1.0 and PCIe 2.0 devices. It's a must-have feature for PC users aiming to improve and optimize graphics performance, as well as have the latest, most future-proof technology. *This motherboard is ready to support PCIe 3.0 SPEC. Functions will be available when using PCIe 3.0-compliant devices. Please refer to www.asus.com for updated details. ASUS Crystal Sound DTS Connect Expand Your PC Audio Experience To get the most out of your audio entertainment across all formats and quality levels, DTS Connect combines two enabling technologies. DTS Neo:PC™ upmixes stereo sources (CDs, MP3s, WMAs, internet radio) into as many as 7.1 channels of incredible surround sound. Consumers can then connect their PC to a home theater system.DTS Interactive is capable of performing multi-channel encoding of DTS bitstreams on personal computers, and sending encoded bitstreams out of a digital audio connection (such as S/PDIF or HDMI) designed to deliver audio to an external decoder. DTS UltraPC II DTS UltraPC II delivers exceptional 7.1 surround through the most popular PC audio setups - your existing stereo speakers or headphones. In addition to virtual surround, it upgrades original sound to new levels with Audio Restoration, recreating the dynamic range of audio files. Symmetry mode improves the balance of perceived loudness across different input sources and Enhance boosts audio quality through high and low frequency equalization. With these technologies, users experience better home theater audio with ease. CPU, Chipset and Graphics Features LGA1155 Intel® 3rd/2nd Generation Core™ i7/ Core™ i5/ Core™ i3/ Pentium® / Celeron® Processors Ready This motherboard supports Intel® 3rd generation Intel® Core™ processor-based platform and 2nd generation Core™ i7/i5/i3/Pentium®/Celeron® processors, with iGPU, memory and PCI Express controllers integrated to support onboard graphics output with dedicated chipsets, 2-channel (4 DIMM) DDR3 memory and 16 PCI Express 3.0/2.0 lanes. This provides great graphics performance. Intel® 3rd generation Intel® Core™ processor-based platform and 2nd generation Core™ i7/i5/i3/Pentium®/Celeron® processors are among the most powerful and energy efficient CPUs in the world. Intel® Z77 Express Chipset The Intel® Z77 Express Chipset is a single-chipset design to support socket 1155 Intel® 3rd generation Intel® Core™ processor-based platform and 2nd generation Core™ i7/i5/i3/Pentium®/Celeron® processors. It provides improved performance by utilizing serial point-to-point links, allowing increased bandwidth and stability. Additionally, Z77 chipset provides 4 USB 3.0 ports for 10 times faster data retrieval speed. Moreover, Intel® Z77 Express Chipset can also enable iGPU function, letting users enjoy the latest Intel® integrated graphic performance. 4-Way SLI and 4-Way CrossFireX Support! The P8Z77-V PREMIUM motherboard offers the ultimate in multi-GPU gaming performance! The motherboard features a unique PCIe 3.0 bridge chip to support 4-Way SLI/CrossFireX at x16/x16 or x8/x8/x8/x8 for unrivaled gaming performance. Featuring the most powerful Intel® Z77 platform to optimize PCIe allocation with multiple GPUs, it supports up to four graphics cards in a 4-Way SLI or CrossFireX configuration. Expect a brand-new gaming style you've never experienced before! P8Z77-V PREMIUM Product Overview Other ASUS Features Auto Tuning Achieve extreme yet stable overclocking results automatically DUAL LAN Dual Intel® Gigabit LAN Support AI Suite II One-stop Access to Innovative ASUS Features MemOK! Quickly ensures memory boot compatibility. 100% Japan-made Solid Cap Uses 100% Japan-made Solid Capacitor. Onboard Switch Power-on and Reset more convenient Stylish Heat-pipe Design Stylish heat-pipe features 0-dB thermal solution that offers a noiseless PC environment. Q-Design ASUS Q-Design enhances your DIY experience!


text:
Editor's note: A version of this post previously ran in September 2016. We believe it's an important topic worth revisiting.
Every day, I seem to have a discussion with someone regarding strategies for sustaining retirement income in a lower-return world. Investors, particularly retirees, are looking for solutions, and their frustrations are as clear as their request: Can't someone help? While I can't fix low interest rates on lower-risk investments (such as high-quality bonds and bond funds), perhaps I can provide some perspective and a solution. As with the old conundrum—is the glass half-full or half-empty?—the answer to the retirement income puzzle is often about perspective.
First things first
The first place to start in a low-return environment would be to be aware of your investment costs, including taxes. Every dollar paid in costs and taxes is a dollar less that you have to spend. Given the anticipation of lower rates going forward, these expenses are likely to be a larger portion of your total returns.
Next, you should review your current income sources and expenses to determine the degree of flexibility in your annual spending needs; this will help you make an informed decision around the spending strategy that's best for you.
Retirement spending: 3 strategies
I'm not the first person to try to help with this challenging topic, and many spending rules have been suggested to help retirees who want to generate a paycheck from their portfolios. Two of the most popular are the "dollar plus inflation" and the "percentage of portfolio" rules. I'd like to offer what I consider an alternate solution: the "dynamic spending" strategy.
The dollar plus inflation strategy is just what it sounds like. Upon retirement, you select the initial dollar amount you'd like to spend each year and increase that amount annually by inflation. The well-known "4% rule" follows this approach (Bengen 1994[1]). While this strategy allows for rather stable real spending from year to year, it also requires a trade-off: a higher risk of premature portfolio depletion. The chink in the armor for this strategy is that it's indifferent to the returns of the portfolio, which can be problematic in both bear and bull markets. The result is you could potentially run out of money (or at least have to substantially reduce your spending since you're not likely to continue spending down to your last $1) in the event portfolio returns are negative, or you could potentially live well below your means and not enjoy retirement to its fullest if portfolio returns are much better than expected.
The percentage of portfolio strategy, on the other hand, may be too sensitive to returns, creating significant income volatility based on market movements. With this strategy, the annual spending amount is a consistent percentage of the portfolio's value. This approach ensures that the portfolio won't be depleted, but as the portfolio's value rises and falls, the income amount will rise and fall as well—sometimes dramatically. Yes, it's this last part—income falling in response to negative returns—that people often struggle with.
Compared with these two strategies, our dynamic spending strategy is a more flexible approach that moderates the other two strategies' weaknesses, as summarized in Figure 1.
With dynamic spending, you would calculate each year's spending in three steps:
- Use the percentage of portfolio approach (e.g., 5%) to calculate a spending level based on the portfolio's value at the prior year-end.
- Determine a range of acceptable spending levels based on the prior year's actual portfolio value. To find the range, increase the prior year's spending by 5% (the ceiling) and reduce it by –2.5% (the floor).[1]
- Finally, compare the results. If this year's spending amount based on the percentage of portfolio:
- Exceeds the ceiling amount, spend the ceiling.
- Is less than the floor amount, spend the floor.
As you can see, the dynamic spending strategy is a bit more involved and may require a little more discipline and oversight to follow compared with the other two strategies. Given that, this is certainly one area where working with a financial advisor can make a lot of sense and may even pay for itself.
Worth the extra effort
Our research[2] has shown that using the dynamic spending strategy, a retiree can capture a large part of the sustainability benefits of the percentage of portfolio strategy, but without the strategy's considerable volatility in annual spending. Ultimately, an investor with endless flexibility would choose the percentage of portfolio approach for its 100% success rate; however, for most retirees this is simply not practical. In that case, dynamic spending can provide many of the benefits of percentage of portfolio without giving up the relatively consistent level of real annual spending.
Perfection not required
In reality, there isn't a perfect solution, and each strategy requires trade-offs. In a perfect world, we would never need to decide whether a glass is "half full or half empty." It would always be full, and with our beverage of choice. But neither life nor retirement spending choices require perfection to be rewarding. A dynamic spending strategy can help you negotiate the inevitable trade-offs between spending sustainability and stability, providing you with the financial and emotional resources for a comfortable retirement. Now, where's that glass?
[1] Bengen, William P., 1994. Determining Withdrawal Rates Using Historical Data. Journal of Financial Planning (Oct.): 14–24.
[2] This assumes no inflation. See "From assets to income: A goals-based approach to retirement spending" for a detailed example, including inflation.


text:
FAYETTE VARSITY BOYS BASKETBALL: Fayette's varsity boys scored a pair of victories last weekend, but neither win came easily.
The Eagles had to fight to stay on top Friday at North Central and then came from behind Saturday against Liberty Center.
The 61-57 win at North Central helped keep the Buckeye Border Conference title race interesting, said Eagle coach Todd Mitchell, because there are now three teams with four losses and three teams with three.
With just three games to go, the championship is still wide open, he said, and is likely to end in a tie.
The Eagles got off to a strong start against North Central, leading by as much as 14 points in the second quarter and going into the final period with an 11-point lead.
"They started pulling up from 25 feet and making three's and we started turning it over," Mitchell said.
With :07.5 showing on the clock, a North Central shooter missed the front end of a one-and-one and Tyler Keefer grabbed the rebound and was fouled.
He sunk both shots and the Eagles stayed on top.
Fayette shot well from the line, but were only given 11 tries. Keefer went four for four and finished with 18 points. Darrell Randall hit four of six and scored 16 points. Keefer also collected seven rebounds and gave four assists. Randall and Jason Rodriguez each gave three assists.
LIBERTY—The Tigers were up by eight at intermission, but Fayette came back in the second half to win 58-51.
In the final quarter, the Eagles went to the line 24 times and made 15 of them. For the game, they shot 19 of 33 from the line while Liberty Center made five of seven.
Fayette held turn-overs to 11 for the night.
JVs: Fayette and North Central took it down to the wire in Friday's junior varsity battle and Fayette fell a little short.
North Central took the league contest 31-28 with three-point shot and about three seconds to play.
"We got a pretty decent look at a three-point shot, but it didn't fall," said coach Matt Maginn.
The Eagles had a small lead at intermission, but North Central took over in the third quarter to set up the final segment.
Maginn was pleased with Chase Hookstadt's showing in the second half.
"He played really hard with lots of energy and gave us a good spark," Maginn said.
He shot five for six from the line and collected three rebounds. Cole Burkholder played a good inside game, Maginn said, and went right at North Central's big player.
Jerry Minzey finished with six steals and Quinton Keefer made one.
In the homecoming game, Fayette overcame a half-time deficit to defeat Liberty Center 42-33.
The game became quite physical in the fourth quarter and Fayette went to the line 25 times, connecting on 12 tries.
Kruce Miller scored 14 points and brought in four rebounds. He shot six for nine from the line.
Jessie Rodriguez scored 10 points and collected three rebounds and four steals. Cole Burkholder gave a good showing in his first start, Coach Maginn said.
FAYETTE VARSITY GIRLS: Success at the free throw line—along with a few extra points from JeriAnn Lewellen—helped Fayette's varsity girls to a BBC victory at home Thursday against North Central.
The Eagles put all but two free throws through the hoop, going nine for 11, to claim a 40-37 win.
The contest was tied at half-time and Fayette trailed by a point going into the final period, so every shot was important going down the stretch.
Lewellen hit a three-pointer—her third of the night—and added one of two free throw attempts. Rachel Seiler and Heather Cuff both went two for two from the line to keep the Eagles on top.
Fayette put North Central at the line 16 times, but they converted on only 10.
Lewellen led scoring with 12 points.
EVERGREEN—Fayette couldn't match the offensive output shown by Evergreen at home Monday and the Vikings ran away with the non-league contest 69-42.
Evergreen hit three of its six three-point shots in the first quarter and raced to an 18-4 first-quarter lead. The game was out of reach by half-time with the Vikings on top 39-13, but the Eagles' offense improved in the second half and Fayette ended the contest with a 17-point fourth quarter.
It was a good night for JeriAnn Lewellen who finished with 14 points and gave a five for eight showing at the free throw line. Cady Stockburger came off the bench in the fourth quarter to score a bucket and go two for three from the line. Leah Brinegar scored all seven of her points in the final period.
Evergreen finished with four girls in double figures: Lauren Langenderfer, 16; Kenzie Pinkelman, 14; Paige Robertson, 12 and Ingrid Oswald, 11.
JVs: Fayette's JV girls team raised its season record to 9-5 (6-2) with a 32-26 victory over North Central at home Thursday.
The 14-9 second quarter was enough to propel the Eagles to a win. North Central cut the lead to two points after three quarters, but Fayette's success at the free throw line carried them through.
The Eagles hit four of eight tries in the final period to win, with Allison Cuff making three of them.
"Offensively, we played well, we met our shots-per-game goal, and ended the game with only three turnovers," said coach Matt Schaffner.
He wasn't quite as pleased with the Eagles' defensive showing.
"North Central did a good job of attacking the basket, and we found ourselves out of position," he said.
Cuff's nine points were tops, followed by Linnea Clark with eight.
EVERGREEN—Evergreen was sharp at the free throw line Monday at Fayette, but it wasn't enough to top the Eagles. Despite hitting 11 of 13 attempts, the Vikings lost the contest 39-28.
"We did a good job getting everybody involved on the offensive end, but we still need to be more aggressive on the defensive end," Coach Schaffner said.
Ashtyn Baker was tops in scoring with nine points. Clark and Sarah Kovar each added six.
MORENCI VARSITY BOYS: Morenci and Britton-Deerfield battled closely all night long here Thursday and the contest finally ended in the Patriots' favor.
The 69-60 margin of victory was the biggest lead of the entire night.
The teams bombed each other with three-point shots throughout the contest—Morenci ended with nine and the Patriots with seven—to swing the lead back and forth.
Luke Craig hit one early in the second to put the Bulldogs on top 18-12 and Brett Bovee added another to make it 21-15, but BD took over the lead with a three mid-way through the quarter.
The Patriots held a small lead for a good share of the second half, but when Clayton Wolf drove in for a bucket with 5:53 to play, it was a one-point game, 50-49.
BD hit four three throws, including two on from a technical, an canned a three-pointer to break it open again and Morenci could get no closer than five.
Bovee and Craig each finished with 19 points for the Bulldogs (2-9, 2-5). BD moved its record to 50-8, 2-6.
MORENCI VARSITY GIRLS: Morenci's varsity girls tried to make a game of it at home Friday when Sand Creek visited, but the Aggies still went home with only a single loss on their league record.
"We played poorly in the first half and were still down by only 14 at half," coach Tim Yatzek said. "We pulled to within nine at the end of the third quarter, then they ran us to death."
The Bulldogs' seven players got winded in the final period against Sand Creek's substituting and the Aggies ran away with the contest 57-39. They took a 17-8 advantage in the fourth quarter.
Sand Creek took an 11-point lead late in the opening quarter, just before Brooke Bovee hit a three-pointer. Mercedez McCaskey canned a bucket, but Sand Creek answered with a three early in the second for a 20-9 lead.
The Aggies had an answer for everything Morenci threw at them, long before the decisive fourth quarter.
"We played better than the first time around," Coach Yatzek said, "but we still had trouble taking care of the ball."
Megan Smith finished with 10 rebounds and Tia Tompkins collected eight.
JVs—Morenci's JV squad lost to Sand Creek in December, but the five Bulldogs turned it around Friday to post a 46-19 win. Sand Creek scored only five points in the second half.
Matea Garcia led the way with 19 points and Hannah Jeffers added 11.


text:
BlackBerry's Pitch to iOS and Android Game Developers: We're the Same, but Different
At the Game Developers Conference in San Francisco last week, most mobile devs said they would focus on iOS and/or Android (usually both), and play the "wait and see" game with everyone else. But in sync with its surprisingly good fourth-quarter earnings, BlackBerry is pitching the idea that bringing games into its new OS is a no-brainer.
"I've been evangelizing that BlackBerry is not a business device," global gaming head Anders Jeppsson said. "It used to be, maybe, many years ago. But over 80 percent of our users are active consumers today, and they're very, very social."
In order to get to those users, though, developers must first be persuaded that porting games over to BlackBerry is simple and cheap. Naturally, Jeppsson said it is, thanks in part to the company's open-source efforts on Github and the cross-platform social gaming tools provided by BlackBerry-owned Scoreloop.
Microsoft is also touting how easy it is for mobile developers to transition into its ecosystem, but — this is both a positive and a negative for Redmond — the discoverability gap versus BlackBerry 10 is huge. Windows 8 and Windows Phone 8 are the newest members of a big family, including the proven powerhouse Xbox 360 and its accompanying Xbox Live Marketplace, not to mention Windows 8's backward compatibility with innumerable PC games. Meanwhile, BlackBerry 10 is a nascent OS currently available on just one device, the Z10.
Efforts to bridge that device gap include some monetary incentives for BB10 developers, like the (now ended) "10K Commitment" that promised early-adopter devs up to $9,000 in free money if they couldn't reach $10,000 in revenue in their first year on BB10. There's also a first-mover advantage, Jeppsson added, because the OS is barely two months old. In other words, it's easier for a game to break out on a non-Google and non-Apple platform because, at least for now, the pickings are slimmer.
Jeppsson said he's been working on developer outreach since he came to Research In Motion in 2012, when RIM acquired Jeppsson's user interface design company, The Astonishing Tribe. He claimed "many" developers are making more money with BB10 than they are on iOS.
But the devil's in the details, and one of the biggest questions is, what proportion of BlackBerry 10 users are frequently playing games on their new Z10s? A company representative said she would try to find out last week, but did not respond to a follow-up request for numbers. ("Frequently" is important, because players who download games, open them once and never come back are near worthless for the free-to-play mobile developers that dominate the charts on other operating systems.)
Lack of specific numbers isn't stopping Jeppsson from some good old-fashioned competition bashing when it comes to attracting developers from outside BlackBerry's ecosystem.
"I think BlackBerry users are actually users that are willing to pay for quality content," he said. "They expect a quality experience. They're not going to sideload stuff and pirate it like Android [users], stealing software."
However, he added that his newest goals are less about developer outreach and more about making the case that the consumer's gaming experience is better on his side of the fence.
His hope is that, as phone hardware continually improves ("This is easily an Xbox One in terms of what it can do," he said, holding up a Z10), users will be able to play the same games as consoles, so that a game started on the bus can be finished on the couch.
Again, Microsoft is preaching a similar message. But although it already has the console side of the equation worked out, its cross-platform games are more casual than the more complex hardware-constrained games Jeppsson aspires to pair with BlackBerry — or, indeed, run entirely on his phone.
"Why would you want to buy a big PC to play Counter-Strike, where you remove all the details anyway because you want 60 frames per second?" he said. "That's how I play Counter-Strike."


text:
Product Details
Our A-25H Variable Focus Lens is an excellent fit for low footprint systems requiring fast response time and large focusing range, and is especially suitable for miniature industrial cameras. It provides a fast track to market to product designers looking for an easy to integrate, high performance auto focus solution.
A-25H is based on Corning Varioptic's breakthrough lens technology, allowing variable focus with absolutely no moving parts.
A-25H comes with two different AR coating options and also in a pre-packaged type, with straight or bent FPC connection.
|Clear aperture
|2.5 mm
|Low optical power
|-5 diopters (m-1)
|High optical Power
|+13 diopters (m-1)
|Optical quality (Wave Front Error)
|45 nm (rms)
|Transmission @ 587nm (Arctic 25H0)
|Transmission @ 850nm (Arctic 25H1)
|Power consumption (actuator only)
|1 mW
|Outer diameter
|7.75 mm
|Thickness (rear window to front of lens)
|1.7 mm
|Total thickness
|2.1 mm
|Storage Temperature
|from -40 to 85°C
|Operating Temperature
|from -30 to 85°C
Key Features
- Silent
- Fast response time
- Focus range supports 5 cm to infinity
- Easy to integrateical performance and design, please contact us.
Ordering Information
- A-25H0: A-25H with an Anti-Reflective coating optimized in the visible range
- A-25H1: A-25H with an Anti-Reflective coating optimized in the Near Infrared
- A-25H9: A-25H with no Anti-Reflective coating
- A-25HX-P07: A-25HX (X=0, 1, 9) with FPC-A-7 (straight flex)
- A-25HX-P06: A-25HX (X=0, 1, 9) with FPC-A-6 (bent flex)
Getting Started
For more detailed information on optical, mechanical, electrical performance and design, please contact us.


text:
A Fort Myers, FL-based cancer care organization is paying a massive price for a health data breach that exposed personal information on 2.2 million patients late last year. This incident is also shedding light on the growing vulnerability of non-hospital healthcare data, as you'll see below.
Recently, 21st Century Oncology was forced to warn patients that an "unauthorized third party" had broken into one of its databases. Officials said that they had no evidence that medical records were accessed, but conceded that breached information may have included patient names Social Security numbers, insurance information and diagnosis and treatment data.
Notably, the cancer care chain — which operates on hundred and 45 centers in 17 states — didn't learn about the breach until the FBI informed the company that it had happened.
Since that time, 21st Century has been faced with a broad range of legal consequences. Three lawsuits related to the breach have been filed against the company. All are alleging that the breach exposed them to a great possibility of harm. Patient indignation seems to have been stoked, in part, because they did not learn about the breach until five months after it happened, allegedly at the request of investigating FBI officials.
"While more than 2.2 million 21st Century Oncology victims have sought out and/or pay for medical care from the company, thieves have been hard at work, stealing and using their hard-to-change Social Security numbers and highly sensitive medical information," the lawsuit says.
The lawsuit also contends that the company should have been better prepared for such breaches, given that it suffered a similar security lapse between October 2011 and August 2012, when an employee used patient names Social Security numbers and dates of birth to file fraudulent tax refund claims. She claims that the current lapse demonstrates that the company did little to clean up its cybersecurity act.
Another plaintiff, John Dickman, says that the breach has filled his life with needless anxiety. In his legal filings he says that he "now must engage in stringent monitoring of, among other things, his financial accounts, tax filings, and health insurance claims."
All of this may be grimly entertaining if you aren't the one whose data was exposed, but there's more to this case than meets the eye. According to a cybersecurity specialist quoted in Infosecurity Magazine, the 21st Century network intrusion highlights how exposed healthcare organizations outside the hospital world are to data breaches.
I can't help but agree with TrapX Security executive vice president Carl Wright, who told the magazine that skilled nursing facilities, dialysis centers, imaging centers, diagnostic labs, surgical centers and cancer treatment facilities like 21st are all in network intruders' crosshairs. Not only that, he notes that large extended healthcare networks such as accountable care organizations are vulnerable.
And that's a really scary thought. While he doesn't say so specifically, it's logical to assume that the more unrelated partners you weld together across disparate networks, it multiplies the number of security-related points of failure. Isn't it lovely how security threats emerge to meet every advance in healthcare?


text:
Our Support Staff
Department of Medicine staff members support the research, scholary and clinical pursuits of our faculty members and trainees. Our staff members assist with program coordination, financial matters, research endeavours/grants, appointment processes, strategizing and communicating the vision of our department and divisions.
Looking for assistance with grants, reimbursements, appointments, promotions, etc?
Start typing in a keyword or individual's name and the appropriate contact will appear. Keyword not in there? Contact us.


text:
Here's an interesting article I discovered over at the Vanguard site about the basics of retirement planning. In it, the article quotes a section of Scott Adams' 2002 book Dilbert and the Way of the Weasel:
Everything you need to know about financial planning
Make a will.
Pay off your credit cards.
Get term life insurance if you have a family to support.
Fund your 401(k) to the maximum.
Fund your IRA to the maximum.
Buy a house if you want to live in a house and you can afford it.
Put six months' expenses in a money market fund.
Take whatever money is left over and invest 70% in a stock index fund and 30% in a bond fund through any discount broker and never touch it until retirement.
If any of this confuses you, or you have something special going on (retirement, college planning, tax issues) hire a fee-based financial planner, not one who charges a percentage of your portfolio.
I largely agree with the ideas presented here and I think that, if your primary goal is to save for early retirement above all else, this is a great plan.
I have just a few small problems with this plan.
First of all, there's no encouragement to cut out unnecessary expenses. The broad stroke of "take whatever money is left over and invest it" doesn't point people toward one of the most powerful tools there is for improving their financial state – taking a serious look at their life and cutting back where it makes sense.
It is very easy for anyone to slip into a routine of spending money without any real benefit. We'll start a Netflix subscription, for example, and keep paying for it even though we rarely use it. Taking a regular hard look at one's expenses can provide quite a lot of money for investment.
Second, the money market fund idea isn't a good idea for most people right now. At this point in time, having money in a money market fund is like having money in a savings account that returns only a tiny fraction of a percent and isn't FDIC insured. There are times when a money market fund is a decent place to store your cash. Right now isn't one of those times. Use a savings account.
Finally, it doesn't look at non-retirement goals. Like I said earlier, this is a great plan if you're saving for early retirement. If you're not saving for early retirement, you're going to want to take a different approach to the "money left over" investment and you might not necessarily want to be maxing both your 401(k) and your Roth IRA.
If you have non-retirement goals, I'd say it's a good goal to be saving 10% of your income for retirement and throw everything else you can toward that non-retirement goal. If that goal is farther off than eight or ten years, then you might want to follow the investment advice above. Otherwise, you'll probably want to be more conservative than that because stock market volatility makes stock investments much less of a sure thing over a term shorter than eight years. The stock market has leaped and fallen and leaped again like a hyperactive gymnast over the last eight years and over some shorter periods it has seen some devastating losses.
Aside from those quibbles, if you're looking for a very straightforward plan for financial success, this is a pretty sensible one.


text:
Adan Salazar
February 20, 2013
Efforts to demonize preppers are in full swing as one Philadelphia area survivalist can attest.
Fernando Antonio Salguero, 39, has forged a survivalist reputation for himself in and around the Philadelphia area, founding an 800-member strong Meetup group where people can discuss survivalism and preparedness items.
Salguero recently found himself on the wrong side of the law when he went into his neighboring state of New Jersey to contest a ticket.
He was approached by officers outside of the Somerdale, New Jersey municipal court last Tuesday originally because he was suspected of parking illegally, according to reports.
Police ran his license plate and found he had a previous weapons charge and an offense for driving with a revoked license, enough to evidently prompt them to employ a bomb-sniffing dog.
"A police dog indicated explosive materials in the car, but police found none," the Philadelphia Inquirer wrote.
According to the Philadelphia Daily News, Salguero demanded police obtain a warrant prior to the search (destruction of his property?) – a right afforded him under the Fourth Amendment of the United States Constitution (The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated..) – but when police failed to produce one, they went ahead with a K9 that alerted, and a bomb squad robot that "blew open the trunk of Salguero's 2005 Ford Crown Victoria."
"I offered them a key, but they just blew it open with their robot to justify them having their toys," he said.
What dangerous items did they find in his trunk? Items you would normally find in any prepared person's trunk: flares, an extendable baton and pepper-spray, which police labeled as "tear gas."
When pressed to explain why he would have such dangerous items in his trunk, Salguero expressed to the Daily News that ideally he would like to be prepared for various scenarios and that New Jersey's over-paranoia has led them to nearly become a complete "slave state":
"If there's a car accident and something's on fire and there's leaking fuel, I want to be able to affect a rescue of that person. A baton is there to break the windows. There's no problem [with having a baton] here in the commonwealth of Pennsylvania, but in the state of New Jersey the people are much closer to the slave state. Slaves are not allowed to be armed . . . at all."
He was charged with weapons violations and possession of destructive devices and held on a $35,000 bail.
"Salguero, 39, is the founder of Survive and Thrive, an 800-member group that meets regularly to discuss such topics as 'stealth and subterfuge,' 'repelling home invasions' and 'flexing the U.S. Constitution,'" according to the Philadelphia Daily News.
He supports Architects and Engineers for 9/11 Truth, Copblock.org, jury nullification, and pledges to the Constitution. He also refuses to fly because of invasive TSA airport procedures and is a staunch supporter of Ron Paul. Does this sound like someone you know?
Next month, he hopes to have the charges against him dismissed.
This is just one of the latest cases illustrating a concerted effort to single out "preppers" as thought criminals and potential terrorists.
Last year, a "prepper" from the National Geographic show Doomsday Preppers visited his doctor complaining of chest pains. When the doctor recommended he have tubes inserted to assist his breathing, survivalist David Sarti refused and was deemed suicidal, after which police were sent to his house to forcibly haul him to the emergency room. Later when he attempted to purchase a Glock 21 firearm, he found he had been flagged by the National Instant Criminal Background Check System and was denied the purchase.
Last year, we also learned the FBI was monitoring vistors to "prepper" website SurvivalBlog.com by means of a cookie that tracked their web activity.
In the aftermath of the Sandy Hook school tragedy, reports that suspected gunman Adam Lanza's mother Marsha Lanza was a "prepper" began circulating, further adding fuel to the fire of prepper demonization.
Perhaps most disturbing, last October a National Guard member known as "Soldier X" spoke via phone with Infowars Nightly News Producer Rob Dew regarding a recent briefing his unit underwent on actions the military would take in the event that an Obama election loss sparked rioting in America's streets.
He stated that soldiers had been told that if riots would have occurred, "Doomsday preppers will be treated as terrorists."
"Citing not only recent widespread threats to riot if Mitt Romney were to become the next U.S. president, but threats to actually assassinate him should he win, Soldier X's superiors dispensed plans of how the National Guard would be responsible for "taking over" and quelling such unrest," reported Infowars' Melissa Melton.
"'They have a list compiled of all these doomsday preppers that have gone public and they plan to go after them first,' Soldier X said. He claimed those in charge are acting under the belief that preppers will be 'the worst part' of any potential civil unrest."
The Emergency Election Sale is now live! Get 30% to 60% off our most popular products today!


text:
Content Writer ( Work From Home)TxtmeQuick PH
₱ 15,000 - 16,000
Oops ... You are not logged in. Please fill out the following in order for us to notify TxtmeQuick PH.
Job Description
The job is not easy, it's going to be very challenging and it will include a lot of learning. We don't hire just anyone, we only want those who like to work on tough challenges, ones who are able to learn and grow. Please see details below to see if this position is a right fit for you or not.
**Starting is $2 USD per hour. If you are able to quickly learn and grow, then the base salary will increase in proportion to your learning and growth.
**There are six training levels and it can take a minimum of two years to two and a half years to achieve mastery.
**If you get hired, you will be under probation for 90 days. The first three weeks will be culture and foundation training. Each time you complete a course will do real life practices and you are expected to demonstrate all your learnings.
**There are timeframes and metrics for each training and task. The timeframe for the tasks would be limited and you will be expected to go out of your comfort zone in order to meet the expectations.
**The tasks will be writing of contents for marketing purposes - this will include blogs and articles, website contents, brochures, newsletters, ebooks, etc.
Requirements and Qualifications
--THOROUGH UNDERSTANDING of Copywriting and Content Marketing is a MUST (we will provide the learning materials that you need to read and understand prior to your interview)
--Excellent command of the English language in both written and oral
--Writes clear, concise and grammatically correct copy
--Must be willing and able to follow the writing standards of the company
--Highly creative and imaginative with keen eye on details
--Knowledge in driving traffic and increasing views for a digital publication is an advantage but not required
--Excellent work ethic, dedicated, committed and smart
--Computer and internet savvy is a MUST
--Proficient in MS Office Suite and Google Docs
--Willing to learn/work in a fast-paced environment
--Must be willing to work in the graveyard shift (8PM - 5AM Philippine time)
--Must have a stable internet connection and a reliable computer (and backup)
--Must be residing in the Philippines. We are not accepting foreign applicants
--Must be willing to commit full time. We don't accept part-timers and/or freelancers
Please send your resume and provide a brief introduction about yourself and why you think you are the best candidate for this job.
Post Disclaimer
The recruitment process may take 1-2 weeks. You will do several tests and the interview will include 5 parts which could take more than 5 hours.


text:
I recently came across this really interesting comment from Abby Nardo on the DrChrono blog:
Thanks for featuring me. I'm really liking Dr. Chrono, and what I'm liking most is your responsiveness to suggestions. As an early adopter to new technologies, this is often what makes/breaks my allegiance, and you guys are great. If you aren't able to respond to feature requests right away, you tell me why or let me know when it's going to happen. I'm never left hanging. So far, I'm really happy.
This is one of the challenges in selecting an EMR software vendor. If you choose one of the older EMR vendors with a large established client base, then your comments and feature requests often fall on deaf ears. I'm not saying that these larger EHR vendors don't listen to their customers. It's just that they're getting messages from 1000's of EMR users at the same time and so you have to work a lot harder to make sure that your request is heard above the noise of the other 1000 voices that are shouting at the same time. Even with only 100 EMR users it's hard for an EMR vendor to be able to really give personalized attention like is described above by Abby.
As a new entrant into the EMR world DrChrono and other new EMR software have this to their advantage. Since they only have a few customers, they can be very responsive to those customers in ways that a large company never could do. Part of it is what I described above (ie. lack of noise), but the other part is that DrChrono is still really actively developing the features in its EMR. Older EMR systems have likely already built the features that DrChrono is just now getting requested. Some consider this an advantage and some consider it a disadvantage.
Turns out that this is a perpetually cycle. Assuming DrChrono lasts, one day they'll be the entrenched player and some other company will come along that can be more responsive to customers for the same reasons that DrChrono can be responsive today.
Which is Better?
I'm sure some people are then asking, which option is better? Is it better to have a more responsive EHR company or an EHR company that already has the EMR features that I need?
My answer is that it likely depends upon the nature of the clinic. Certainly you want to be really careful adopting any EHR that doesn't have essential functions that you need in your office. However, after those baseline features, it depends how involved as a clinic you want to be in the future development of the EHR software. Most providers that I know don't really want to actively participate in the development of the EHR software. They just want to open the box and have it work. However, for those few who really want to play an active role in shaping the future of an EMR, working with a smaller company can really produce great results for their clinic.


text:
Seattle Seahawks, Century Link Field Plus 12s Are NFL Odds Game Changers
Stadiums such as Century Link (Clink) Field, the NFL home stadium of the Seattle Seahawks, are full of technologies that increase fan engagement that ultimately provide a competitive edge affecting the odds and point spread. In regards to the Hawks, the 12s make up some of the loudest, loyalist and most passionate fans anywhere in the world. Because of the loss of the Sonics in the NBA, a MLB team in the Mariners that has never won the World Series combined with no NHL organization, you can begin to understand what the franchise means to the city, state and Pacific Northwest region...Read More


text:
The Flames offence has apprently decided to avoid the rush and started to do its Christmas slumping now.
Five games into December and the Calgary attack has managed but eight goals, one of which was into an empty net. There are a number of ways to look at the dearth of offence but the best, if slightly simplistic, two-word explanation is: Jarome Iginla.
After a nifty November in the goalscoring department, the Calgary captain is having a dreadful December with zero markers. And that, in a nutshell, accounts for the difference between a team that scored 2.71 goals per game in November and is going at a 1.60 GPG clip in December's smallish sample size. In fact, the non-power play scoring by non-Jarome Iginlas (the old NPPSBNJI category) is actually up slightly this month, from 1.43 GPG to 1.60.
Iginla accounted for 13 of the Flames' 38 goals in 14 games last month, with nine of the tallies coming at even strength. No. 12's pokey start to December hasn't done much for the power play, which is zip-for-19 in the past five games. Since Oct. 24, Iginla has scored four power-play goals and the rest of the team has managed only five.
With four goals in the past eight games, the much-maligned Olli Jokinen is pretty much the only guy holding up his end of things when it comes to burying pucks. Otherwise, it's a grim picture:
- Only one goal from the defence in December and personal droughts of 17 and 13 games for Dion Phaneuf and Jay Bouwmeester respectively. Mark Giordano hasn't scored since opening night and stay-at-home types Robyn Regehr and Cory Sarich are oh-for-the season
- Craig Conroy, as has been well established, is still looking for his first goal of the year
- Daymond Langkow has one goal in eight games
- Dustin Boyd has zero goals in six games and one in the past 13
- Rene Bourque has one goal (an empty-netter) in five games since returning from sick bay
- Nigel Dawes, David Moss and Curtis Glencross each have a single goal so far this month
- None of the unusual suspects have chipped in with surprise offence in eons — role players in goal-less runs include Brandon Prust (22 games), Fredrik Sjostrom (21 games), Brian McGrattan (16 games) and Eric Nystrom (13 games)
This is the development many nervous Nellies feared in the summer when the Flames were forced to wave good-bye to Michael Cammalleri, who by the way has five goals in the past four games for a pretty lousy Montreal Canadiens outfit. Still, there's enough of a track record with many of the slumping Flames to suggest this can't continue much longer.
And, if you need some cheery news to tide you over, the guys on the other side of the ice aren't doing much lamp-lighting either. Miikka Kiprusoff keeps adding to his career-rebirth storyline as he has posted a 1.60 GAA and a .947 save percentage since Nov. 1.
P.S. Sincere apologies to TLP for breaking the momentum of the doggies in cute costumes image theme


text:
For all the proud brother bears out there!
Adjustable stretch ear loops and 100% cotton make these the most comfortable face masks you'll find.
Save big with our jewelry deals
Buy 3, Get 20% off | Buy 5, Get 30% off
Mix & match any 3+ leggings, fitness shorts, and sports bras to get 20% off of each item!


text:
Board Items of Interest
Click here to see the photo gallery
Click here to see the video recording
The Brookside Service Club led the meeting with the Pledge of Allegiance.
Anna Jane Hilbrich of Clear Creek High School was recognized as a Hero in the Hallway helping children in need through her non-profit organization, Dolls For All.
Akhil Majumdar of Clear Brook High School and Yan Hao Wong of Clear Lake High School earned perfect scores on the ACT.
Tamiko Brown, the librarian at Ed White Elementary, was named the Librarian of the Year by Scholastic Library Publishing.
Chef Kathleen Roussel is the recipient of the Texas Restaurant Association's Educator Excellence Award.
Dr. Sharron Helmke, CCISD coordinator of professional learning, earned her doctorate degree in transformative leadership from the University of New England.
District administration presented a community impact report on Hurricane Harvey recovery efforts. Click here to view the PowerPoint
The board adopted the 2017 tax rate of $1.04 for the maintenance and operations and $.036 for the Interest and Sinking Tax rate, which is unchanged from the prior year.
The design phase for the following 2017 CCISD Bond projects were approved: League City Elementary Rebuild, Florence Campbell Elementary school construction, and Clear Lake City Elementary major renovations.
The board amended the superintendent's contract as discussed in closed session.


text:
`Advisory ID: HTB23188
Product: AskApache Firefox Adsense Wordpress plugin
Vendor: AskApache
Vulnerable Version(s): 3.0 and probably prior
Tested Version: 3.0
Advisory Publication: December 5, 2013 [without technical details]
Vendor Notification: December 5, 2013
Public Disclosure: December 26, 2013
Vulnerability Type: Cross-Site Request Forgery [CWE-352]
CVE Reference: CVE-2013-6992
Risk Level: Low
CVSSv2 Base Score: 2.6 (AV:N/AC:H/Au:N/C:N/I:P/A:N)
Solution Status: Not Fixed
Discovered and Provided: High-Tech Bridge Security Research Lab ( https://www.htbridge.com/advisory/ )
Advisory Details:
High-Tech Bridge Security Research Lab discovered vulnerability in AskApache Firefox Adsense Wordpress plugin, which can be exploited to perform Сross-Site Request Forgery (CSRF) attacks.
1) Сross-Site Request Forgery (CSRF) in AskApache Firefox Adsense Wordpress plugin: CVE-2013-6992
The vulnerability exists due to insufficient verification of the HTTP request origin in "/wp-admin/options-general.php" script. A remote attacker can trick a logged-in administrator to visit a specially crafted page with CSRF exploit, inject and execute arbitrary HTML and script code in administrator's browser in context of vulnerable website.
The exploitation example below injects JavaScript code, which uses the "alert()" function to display "immuniweb" word:
<form action="http://[host]/wp-admin/options-general.php?page=askapache-firefox-adsense.php" method="post" name="main">
<input type="hidden" name="aafireadcode" value='<script>alert("immuniweb");</script>'>
<input type="submit" id="btn">
Disable the vulnerable plugin.
On 2013-12-06 vendor replied to our notification that he will not support the plugin anymore, and proposed to remove the vulnerable plugin as the official solution. The vendor has also taken steps to remove this plugin from WordPress.org.
[1] High-Tech Bridge Advisory HTB23188 - https://www.htbridge.com/advisory/HTB23188 - Сross-Site Request Forgery (CSRF) in AskApache Firefox Adsense Wordpress plugin.
[2] AskApache Firefox Adsense Wordpress plugin - http://wordpress.org/plugins/askapache-firefox-adsense/ - Displays a Google Adsense Ad for Firefox only for non-firefox users.
[3] Common Vulnerabilities and Exposures (CVE) - http://cve.mitre.org/ - international in scope and free for public use, CVE® is a dictionary of publicly known information security vulnerabilities and exposures.
[4] Common Weakness Enumeration (CWE) - http://cwe.mitre.org - targeted to developers and security practitioners, CWE is a formal list of software weakness types.
[5] ImmuniWeb® - http://www.htbridge.com/immuniweb/ - is High-Tech Bridge's proprietary web application security assessment solution with SaaS delivery model that combines manual and automated vulnerability testing.
Disclaimer: The information provided in this Advisory is provided "as is" and without any warranty of any kind. Details of this Advisory may be updated in order to provide as accurate information as possible. The latest version of the Advisory is available on web page [1] in the References.


text:
72 dead in Thane building collapse; 2 builders arrested
Authorities today called off a search for more survivors from the collapse of a multi-storey building in Thane that killed 72 people, saying there was no hope of finding anybody else alive. Municipal officials suspended, probe ordered | Building came up in 7 months flat | Tales of survivorsmumbai Updated: Apr 06, 2013, 19:03 IST
Authorities on Saturday called off a search for more survivors from the collapse of a multi-storey building in Thane that killed 72 people, saying there was no hope of finding anybody else alive. Meanwhile, builders Jameel Qureshi and Saleem Shaikh were today arrested by the police. One of the builders was arrested from UP while the other from Thane, according to media reports.
The death toll from the cave-in of the unauthorised seven-storey building was one of the worst in recent years in India. The collapse highlighted widespread shoddy building standards in the country where there is huge demand for housing.
"Rescue work is now over since there is no hope of finding any more survivors," Sandeep Malvi, Thane municipal corporation spokesman, told AFP.
"The death toll is now 72. About are 36 injured and are undergoing treatment. At least 126 people have been rescued," he added.
Most of the victims were poor daily wage earners working at the construction site and their families who were living in the completed floors.
Rescue efforts continued on Saturday morning with bulldozers clearing debris from the site in Thane district, 35 kilometres (20 miles) from central Mumbai, but were abandoned later in the day as hope faded for finding survivors.
The Maharashtra state government has announced a probe into the incident and suspended a top civic administrator and a police officer for dereliction of duty, local media reported.
Earlier today, rescue workers using cranes and bulldozers searched through the wreck of twisted steel and concrete after the seven-storey building collapsed "like a pack of cards" on Thursday evening, officials and witnesses said.
"The building collapsed like a pack of cards within three to four seconds," said Ramlal, a local resident. "It just tilted a bit and collapsed," he said. Residents said labourers paying rent of around $5 a day had lived in the building.
The building, which was in a forested area in the city of Thane, had been made using poor materials and without proper approvals, said Sandeep Malvi, a spokesman for licensing authority the Thane Municipal Corporation.
The woman dragged from the building on Saturday was found after workers heard her voice and used camera eqiupment to pinpoint her location under the rubble. A 10-month old infant was pulled from the debris on Friday.
The seriously injured were shifted to JJ and Sion Hospitals in Mumbai. A 65-year-old woman, identified as Kutibi Shaikh, was rescued after being trapped for almost 30 hours, according to reports.
The Deputy Municipal Commissioner of the area has been suspended following the collapse, which the state chief minister said was due to the building being built illegally, local media reported.
(with PTI + Reuters + Agencies inputs)


text:
Airtel rolls out mobile HD voice service in Africa
NAIROBI, Kenya, March 5, 2013/African Press Organization (APO)/ --
• High quality voice services to be available to consumers in Kenya, Rwanda, Malawi and Nigeria
• Will complement the company's state-of-the-art high speed data networks and take user experience to the next level
Bharti Airtel ("Airtel") (http://www.airtel.com), a leading telecommunications services provider with operations in 20 countries across Asia and Africa, has announced the launch of the mobile HD voice service for its subscribers in Africa. The development comes as the first step in Airtel's ambition to make mobile HD voice accessible in all its operations across the continent.
Logo: http://www.photos.apo-opa.com/plog-content/images/apo/logos/airtel.jpg
HD voice is the most significant improvement in voice communications in the past two decades. Mobile HD voice offers crystal clear audio quality and will enhance user experience on Airtel mobile networks. "Surveys confirm that customers place a high value on HD Voice", explains Andre Beyers, the Chief Marketing Officer, Airtel Africa. "The new service will enrich end-user experience for Airtel subscribers".
Mobile HD Voice enables high-quality voice calls because it reduces background noise often heard on a regular call. Airtel customers on 3G networks will experience a significant improvement in their voice communications as the new service will enable them to hear better in noisy environments.
To enjoy the maximum benefits of this new technology, both the calling and the called party need an HD-Voice compatible mobile phone. However, improvements in call quality are also perceived when using an HD voice-enabled phone to call a non-HD Voice phone.
Mobile HD Voice based on AMR (Adaptive Multi Rate) Wideband technology (W-AMR) operates with nine different bit rates, providing high-quality voice calls. Compared to the current narrowband speech codec, the W-AMR speech-compression algorithm doubles voice bandwidth and produces better results.
After years of trials, HD Voice services were launched in 2009 and they are now available in 35 countries around the world. According to the results of a recent survey, 96% of customers are satisfied with HD Voice calls, hence the rapid pace of commercialization of the services across the globe.
Airtel becomes the third operator to launch a mobile HD voice service in Africa. The telecommunications company aims to make HD voice a reality on the continent. Further launches will be scheduled in 2013.
Distributed by the African Press Organization on behalf of Bharti Airtel Limited.
About Bharti Airtel Limited
Bharti Airtel Limited (http://www.airtel.com) is a leading global telecommunications company with operations in 20 countries across Asia and Africa. Headquartered in New Delhi, India, the company ranks amongst the top 4 mobile service providers globally in terms of subscribers. In India, the company's product offerings include 2G, 3G and 4G wireless services, mobile commerce, fixed line services, high speed DSL broadband, IPTV, DTH, enterprise services including national & international long distance services to carriers. In the rest of the geographies, it offers 2G, 3G wireless services and mobile commerce. Bharti Airtel had over 262 million customers across its operations at the end of January 2013. To know more please visit, http://www.airtel.com
For more information contact:
Michael Okwiri
Vice President, Communications, Airtel Africa
Email: [email protected]


text:
Shipt has built relationships with some of America's favorite brands. Find savings right in the app and subscribe to the weekly Exclusive Savings newsletter to find even more ways to save.
Looking for convenience? Meijer delivers.
If you're looking for convenience, Meijer delivers. Whether you're shopping for groceries, baby, household cleaning supplies, alcohol*, or electronics, we can send over a Shipt Shopper with everything you need.
Shipt makes it easy to find everything you need from popular categories like snacks, dairy, beverage, pantry, household essentials, frozen, produce, breakfast, personal care, meat & seafood, baby, breads & bakery, pets, home goods, kitchen & dining, deli, beauty, electronics, toys, school & office supplies, sporting goods & outdoor, entertainment, patio & garden, gift & party, and international.
Shipt Shoppers go above and beyond. To become a Shipt Shopper, Shipt requires all applicants to submit a video interview and to consent to background and driving history checks. But that's just the beginning. Shipt Shoppers work hard at providing the best possible experience to Shipt members. That means keeping you in the loop with text message updates, helping you find the freshest produce, and providing detailed substitution options if something you've ordered is out of stock.
Get everything from groceries, electronics, household essentials, pet supplies, office supplies and furniture, alcohol*, and more delivered to your door. Browse available stores in your area and get started.


text:
Come on in and see thousands of amateur models trying it for the first time in their lives, they are young and they are definitely very horny, they wanna do the things you could never imagine them doing. They are going to get really nasty and naughty and the great thing is that we are going to see all this right now. How about seeing them engaged in hot sexual actions? Sucking on cocks and letting those cocks abuse their tight pussies? I am sure you're gonna luv it and don't be too surprised if you meet your next-door neighbor here, dreams are cumming true and I am sure you want to realize all of your secret desires here. Enjoy!
0 + Free Porn GalleriesBeach Porn
0 + Free Porn GalleriesSexy Girls
0 + Free Porn GalleriesHot Babes
66 + Free Porn GalleriesAZ Gals
0 + Free Porn GalleriesThe Porn
0 + Free Porn GalleriesPron Hell
0 + Free Porn GalleriesYoung Leafs
2 + Free Porn GalleriesHardcore Movies 7
0 + Free Porn GalleriesMasturbation
0 + Free Porn GalleriesXXX Vogue
Site video galleries amount: 4883
Site picture galleries amount: 5285
Overall Rating: 99/100
Site video galleries amount: 9018
Site picture galleries amount: 9518
Overall Rating: 98/100
Site video galleries amount: 8350
Site picture galleries amount: 2707
Overall Rating: 97/100
Site video galleries amount: 2946
Site picture galleries amount: 3863
Overall Rating: 96/100