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If you don't have the cash to cover a high deductible, yet can't afford to pay a great deal in auto insurance premiums, don't panic—there are plenty of other ways to reduce your rates. Because different carriers use slightly different factors to determine how they'll set the rates for your policy, simply shopping around and comparing rates from different companies can result in substantial savings. And choosing a carrier that offers numerous discounts that you're eligible to claim can reduce your insurance costs even further.
If you take a defensive driver course through SafetyServe, you'll be eligible for discounts on Amica premiums. You also get automatic discounts for paying your premium in full or owning your own home. Standard policies also come with some pretty sweet perks, such as zero deductible on lock replacement (whether your keys are stolen or you just lose them).
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.
Allstate scored in the middle of the pack in J.D. Power's 2018 Auto Insurance Study (mostly due to its higher premiums), but we'd still recommend it over The General. It dwarfs The General when it comes to discounts and supplemental coverage — meaning that going with The General's cheaper sticker price doesn't actually guarantee that you'll pay less.
Professional and organizational discounts: If you belong to certain organizations, such as the AARP, or are a member of certain professions, you may be eligible for a discount. Check with your employer, professional organization, and any other group with which you enjoy membership; you can also ask the insurance company if any such discount is available.
"Many companies offer discounts for good grades and for completion of an approved driver's education or defensive driving course," continued Doreen Haughton-James of 123 Drive! Driving Academy. "Some also have their own discount programs. State Farm, for example, has a program called 'Steer Clear' where students receive discounts for logging driving hours and completing a program."
If you served our nation, you'll have access to a wide array of veterans benefits, including the option of purchasing a policy from USAA. USAA often offerings are available for among the lowest premium prices, and the company is consistently rated extremely highly for customer service, claims fulfillment and affordability. Older drivers who have been insured by USAA for 40 years will receive a Senior Bonus payment toward their annual premium amount.
Auto insurance policies don't come with a single limit and deductible. There are typically a number of coverage limits based on the type of claim a customer might make. Most claims are categorized either as collision or comprehensive claims. Car insurance policies can also offer coverage to help you with the financial repercussions of an accident, such as medical bills and lost wages.
Watch out for GEICO especially when changing coverages. I have learned the hard way that you can't trust them to get your changes correct. I was just hit in the rear while stopped at a stop sign. I am trying to go through the collision coverage I am supposed to have only to have GEICO tell me that I removed this coverage a few months ago. The fact of the matter is I did not remove this coverage and never would have done that or agreed to that. Trying to reason with them has been an exercise in futility so far with a supervisor trying to put the onus on me for the problem. I am currently awaiting their final position on their review of this matter, but whatever the outcome I now know I cannot relie on them to get things right and I will always have to check on them. The mistakes they make hurt you, not them.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
If you get in a covered accident far from home, State Farm will not only cover the costs of repairs but also your meals, lodging and transportation. If you're often on the road, you have probably learned how to be a safe driver, and you will save money through State Farm's Drive Safe and Save program, which gives you up to a 50 percent discount after they've analyzed your driving abilities through their app. State Farm also offers discounts for taking a defensive driving course.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
Compare.com is another online car insurance comparison tool that generates real-time quotes from multiple insurance providers. In addition to car insurance, Compare provides quotes for home, health, and small business insurance, as well as tools to help you choose car loans and mobile phone plans. The site is rated 4.5 out of 5 on eKomi, based 640 user reviews.


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Sage Growth Partners Publishes New Survey Findings on Healthcare Venture Capital
BALTIMORE, Nov. 11, 2019 /PRNewswire/ -- The U.S. healthcare market saw a 14.4 percent increase in mergers and acquisitions from 2017-2018, fueled by soaring domestic venture capital investment – an all-time high of $130.9 billion invested in U.S.-based startups in 2018 alone. Compounding the pace and complexity of deal flow are sweeping industry trends ranging from managing and measuring health outcomes to reducing the overall cost of care.
Given this ripe environment, Sage Growth Partners (SGP), a Baltimore-based healthcare research, strategy, and marketing firm, conducted a market survey to gauge the relative priorities and attitudes of investors and CEOs of U.S.-based healthcare companies.
Access the full report here. Key findings include:
Investors want to help CEOs run the business – but CEOs value this less than other benefits
Investors are looking to mitigate risk
People come first: investors and CEOs both value proven teams with a track record of success
"Business opportunities in healthcare today are driven by two key factors – the industry's widespread waste and inefficiencies, and public and private sector mandates to reduce costs while increasing health outcomes," said Dan D'Orazio, SGP's CEO. "As a result, there is an abundance of potential partners and investment capital. It's not surprising that investors and CEOs don't completely see eye to eye on the perceived benefits of venture capital investment. However, they will have to find a way to successfully overlap their needs to benefit from the most valuable resource in their arsenal – the people."
Sage Growth Partners engaged 30 investors who have provided capital to healthcare companies at stages ranging from seed to buy-out; each had made at least one, and upwards of five, investments in the last 12 months. Also surveyed were 30 CEOs of healthcare companies, of whom half received funding in the past 12 months; the last round of funding received by the group of CEOs spanned from $250,000 to $100 million. At the conclusion of the survey, SGP made a donation to the Johns Hopkins Children's Center on behalf of respondents.
About Sage Growth Partners
Sage Growth Partners accelerates commercial success for B2B, B2B2C, and B2C healthcare organizations through a singular focus on growth. The company helps its clients thrive amid the complexities of a rapidly changing marketplace with deep domain expertise and an integrated application of research, strategy, and marketing.
Founded in 2005, Sage Growth Partners is located in Baltimore, MD and serves clients such as Philips Healthcare, Quest Diagnostics, Hughes and Company, Olive, It's Never 2 Late, and Noro-Moseley Partners. Visit us online at www.sage-growth.com.
Media Contact
Vanessa Ulrich
(410) 534.1161
View original content to download multimedia: http://www.prnewswire.com/news-releases/sage-growth-partners-publishes-new-survey-findings-on-healthcare-venture-capital-300955012.html
SOURCE Sage Growth Partners


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Five Questions CSOs Should Ask Before Approving Sales Compensation Plan Designs
by Dave Egloff | November 20, 2019
Each year, Chief Sales Officers (CSOs) must approve the sales compensation plans. During this approval, CSOs should ensure that their sales compensation plans:
Align with the overall sales strategy
Five Tips to Improve Sales Effectiveness of Smaller Teams
by Dave Egloff | November 7, 2019
Nearly all sales leaders have an eye on sales effectiveness. However, it is those leading smaller sales forces that should be the most keenly aware of where sellers are losing...
Use Call Plans to Instill Sense Making Behaviors
by Steve Rietberg | October 28, 2019
Your customers spend much less time with sellers than you may think. Gartner research shows that B2B customers spend only 17% of their buying journey engaging with prospective suppliers. So...
Monetizing Quota Setting Accuracy
by Dave Egloff | October 22, 2019
Many sales leaders lament the inaccuracy of quota setting. It is so commonplace that one could ask "why don't more leaders invest in improving this process?" There are likely two...
Are Fields Sales Feeling a Squeeze?
by Dave Egloff | October 9, 2019
Whether it be a matter of sales strategy or perhaps sales force design, many sales leaders are exploring future investments in key account programs or inside sales functions. Some are...
Managing the Cost of Sales
by Dave Egloff | September 26, 2019
Last week, Gartner hosted their annual CSO & Sales Leader Conference in Las Vegas. In my experience, it was the most impressive gathering of Chief Sales Officers, sales operations leaders,...
Holistic Sales Performance Management
by Dave Egloff | September 11, 2019
Sales performance management can be simply defined as an ongoing engagement where seller activities and results are assessed and improved.
Sales leaders typically leverage sales performance data to inform compensation...
Don't Confuse Win Rate and Pipeline Conversion Rate
by Steve Rietberg | August 29, 2019
Two common measures for sales effectiveness are win rate and pipeline conversion rate. Many confuse or conflate these concepts. "Win rate" has become a generic term used when managers or...
Use High Water Mark Compensation Plans to Reward Sellers on Recurring Revenue
by Dave Egloff | August 26, 2019
Recurring revenue presents a challenge when used to measure seller performance. Unlike new business metrics, which more easily allows a sales leader to monetize seller influence, recurring revenue can paint...
Start Saving for Predictive Analytics
by Steve Rietberg | August 8, 2019
When I was young and fresh out of college, people urged me to start contributing to a retirement fund as soon as I could. They explained that since I had...


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Regarding their Quartz movements, are they all assembled in Switzerland as well or have they resorted to going outside of Switzerland? Do they also use parts from outside?


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Are you looking for McCune Bail Bonds? Our network helps you locate and get in touch with a licensed bail bonds agent in McCune, Kansas. Numerous McCune KS bail bonds companies can bail you (or another person) out anytime during the day or night in McCune KS. At your request, many bail bond agents will come pick you up discreetly. Installment payment plans are often available depending on the situation.
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225 N. Enterprise Drive, Girard, KS
4.41 miles away
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Outdoor Moms: Class V Kayaking vs. Class V ParentingJul 05, 2019
Natalie Anderson, world-class whitewater kayaker with a PhD in studyin...via outdoorjournal.com
Read full article
This adventure tour is awe-inspiring! In one week you'll get to see four very different national parks: Plitvice, Paklenica, Krka and Kornati. Yes, you got that right, that's lakes, mountains, rivers and islands, all in one! Between the activities, you'll enjoy your private apartment accommodation, rest in hammocks in Olive&Fig garden or just enjoy the nearby sandy beach. On one of the days you will also learn how to prepare Peka, a delicious Dalmatian dish. Being qualified professionals, we are always trying to maximize your potential. However, the whole idea of this trip is relaxation. After all, you are on vacation! You'll get to know local people, enjoy local food, explore local customs and above all, have a good time. If you don't feel like kayaking or cycling, you can opt to stay in town, at the apartment or at one of the nice beaches around us.
Natalie Anderson, world-class whitewater kayaker with a PhD in studyin...via outdoorjournal.com
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Sanctification - involves more than a mere moral reformation of character, brought about by the power of the truth: it is the work of the Holy Spirit bringing the whole nature more and more under the influences of the new gracious principles implanted in the soul in regeneration. In other words, sanctification is the carrying on to perfection the work begun in regeneration, and it extends to the whole man (Romans 6:13; 2 Corinthians 4:6; Colossians 3:10; 1 John 4:7; 1 Corinthians 6:19). It is the special office of the Holy Spirit in the plan of redemption to carry on this work (1 Corinthians 6:11; 2 Thessalonians 2:13). Faith is instrumental in securing sanctification, inasmuch as it (1) secures union to Christ (Galatians 2:20), and (2) brings the believer into living contact with the truth, whereby he is led to yield obedience "to the commands, trembling at the threatenings, and embracing the promises of God for this life and that which is to come."
Perfect sanctification is not attainable in this life (1 Kings 8:46; Proverbs 20:9; Ecclesiastes 7:20; James 3:2; 1 John 1:8). See Paul's account of himself in Romans 7:14-25; Philipians 3:12-14; and 1 Timothy 1:15; also the confessions of David (Psalms 19:12-13), of Job (42:5, 6), and of Daniel (9:3-20). "The more holy a man is, the more humble, self-renouncing, self-abhorring, and the more sensitive to every sin he becomes, and the more closely he clings to Christ. The moral imperfections which cling to him he feels to be sins, which he laments and strives to overcome. Believers find that their life is a constant warfare, and they need to take the kingdom of heaven by storm, and watch while they pray. They are always subject to the constant chastisement of their Father's loving hand, which can only be designed to correct their imperfections and to confirm their graces. And it has been notoriously the fact that the best Christians have been those who have been the least prone to claim the attainment of perfection for themselves." (Hodge's Outlines).
|Strong's #
|to be set apart or consecrated (12)
|to make holy, consecrate, sanctify (7)
|consecration, sanctification (8)
|Achieved through righteousness
|Romans 6:19
|Done by God
|Exodus 31:13, Leviticus 20:8, 21:8, 15, 23, 22:9, 16, 32, Numbers 3:13 8:17, Ezekiel 20:12, 37:28, Acts 20:32, Romans 6:22, 1 Thessalonians 5:23
|Done by Jesus
|Hebrews 2:11, 10:14, 13:12
|Done by our works
|2 Timothy 2:21, Hebrews 12:14
|Done by the Father
|John 10:36, 17:17
|Done by the Holy Spirit
|Romans 15:16, 1 Corinthians 6:11, 2 Thessalonians 2:13, 1 Peter 1:2
|Done through God's grace
|Acts 20:32
|Done through God's word
|John 17:17, Acts 20:32
|Done through truth
|John 17:17, 19
|Is eternal
|Romans 6:22
|Predestined by God
|1 Thessalonians 4:3-4, 7, 1 Peter 1:2
|Through faith in Jesus Christ
|Acts 26:18, 1 Corinthians 1:2, 30, 6:11, Hebrews 10:10, 29
Related Pages
- The Importance of the Holy Spirit in the Life of Christians
- Discovery Course: The Holy Spirit
- Knowing God: How Can I Experienced God Personally?
- The Holy Spirit is God
- and do not go on presenting the members of your body to sin as instruments of unrighteousness; but present yourselves to God as those alive from the dead, and your members as instruments of righteousness to God. (Romans 6:13)
- For God, who said, "Light shall shine out of darkness," is the One who has shone in our hearts to give the light of the knowledge of the glory of God in the face of Christ. (2 Corinthians 4:6)
- and have put on the new self who is being renewed to a true knowledge according to the image of the One who created him. (Colossians 3:10)
- Beloved, let us love one another, for love is from God; and everyone who loves is born of God and knows God. (1 John 4:7)
- Or do you not know that your body is a temple of the Holy Spirit who is in you, whom you have from God, and that you are not your own? (1 Corinthians 6:19)
- And such were some of you; but you were washed, but you were sanctified, but you were justified in the name of the Lord Jesus Christ, and in the Spirit of our God. (1 Corinthians 6:11)
- But we should always give thanks to God for you, brethren beloved by the Lord, because God has chosen you from the beginning for salvation through sanctification by the Spirit and faith in the truth. (2 Thessalonians 2:13)
- "I have been crucified with Christ; and it is no longer I who live, but Christ lives in me; and the life which I now live in the flesh I live by faith in the Son of God, who loved me, and delivered Himself up for me." (Galatians 2:20)
- "When they sin against Thee (for there is no man who does not sin) and Thou art angry with them and dost deliver them to an enemy, so that they take them away captive to the land of the enemy, far off or near;" (1 Kings 8:46)
- Who can say, "I have cleansed my heart, I am pure from my sin?" (Proverbs 20:9)
- Indeed, there is not a righteous man on earth who continually does good and who never sins. (Ecclesiastes 7:20)
- For we all stumble in many ways. If anyone does not stumble in what he says, he is a perfect man, able to bridle the whole body as well. (James 3:2)
- If we say that we have no sin, we are deceiving ourselves, and the truth is not in us. (1 John 1:8)
- For we know that the Law is spiritual; but I am of flesh, sold into bondage to sin. For that which I am doing, I do not understand; for I am not practicing what I would like to do, but I am doing the very thing I hate. But if I do the very thing I do not wish to do, I agree with the Law, confessing that it is good. So now, no longer am I the one doing it, but sin which indwells me. For I know that nothing good dwells in me, that is, in my flesh; for the wishing is present in me, but the doing of the good is not. For the good that I wish, I do not do; but I practice the very evil that I do not wish. But if I am doing the very thing I do not wish, I am no longer the one doing it, but sin which dwells in me. I find then the principle that evil is present in me, the one who wishes to do good. For I joyfully concur with the law of God in the inner man, but I see a different law in the members of my body, waging war against the law of my mind, and making me a prisoner of the law of sin which is in my members. Wretched man that I am! Who will set me free from the body of this death? Thanks be to God through Jesus Christ our Lord! So then, on the one hand I myself with my mind am serving the law of God, but on the other, with my flesh the law of sin. (Romans 7:14-25)
- Not that I have already obtained it, or have already become perfect, but I press on in order that I may lay hold of that for which also I was laid hold of by Christ Jesus. Brethren, I do not regard myself as having laid hold of it yet; but one thing I do: forgetting what lies behind and reaching forward to what lies ahead, I press on toward the goal for the prize of the upward call of God in Christ Jesus. (Philipians 3:12-14)
- It is a trustworthy statement, deserving full acceptance, that Christ Jesus came into the world to save sinners, among whom I am foremost of all. (1 Timothy 1:15)
- Who can discern his errors? Acquit me of hidden faults. Also keep back Thy servant from presumptuous sins; Let them not rule over me; Then I shall be blameless, And I shall be acquitted of great transgression. (Psalm 19:12-13)
- "I have heard of Thee by the hearing of the ear; But now my eye sees Thee; Therefore I retract, And I repent in dust and ashes." (Job 42:5, 6)
- So I gave my attention to the Lord God to seek Him by prayer and supplications, with fasting, sackcloth, and ashes. And I prayed to the LORD my God and confessed and said, "Alas, O Lord, the great and awesome God, who keeps His covenant and lovingkindness for those who love Him and keep His commandments, we have sinned, committed iniquity, acted wickedly, and rebelled, even turning aside from Thy commandments and ordinances. "Moreover, we have not listened to Thy servants the prophets, who spoke in Thy name to our kings, our princes, our fathers, and all the people of the land. (Daniel 9:3-6)
- Indeed, there is not a righteous man on earth who continually does good and who never sins. (Ecclesiastes 7:20 )
We are what we think.
3 Things You May Not Know about Blaise Pascal
Frenchman Blaise Pascal (1623–1662) was one of the founding fathers of the scientific revolution in the seventeenth century. A true Renaissance man, Pascal was an eminent mathematician, physicist, and logician, and an intuitive Christian thinker. As a Christian philosopher, theologian, and apologist, Pascal provided a penetrating analysis of Christianity's broader world-and-life view. He accomplished all of this before dying at the…
Thursday Theology from Peter Toon
If you follow me on Facebook and Twitter you know I have a weekly segment called Thursday Theology. I like to introduce people to important Christian thinkers; thus, I post thoughtful quotes there (and here) from various scholars. A theologian I appreciate and quote often is Peter Toon. Dr. Toon's book Our Triune God: A Biblical Portrayal of the Trinity is the best contemporary…
God as the Best Explanation of Beauty
Some of Western civilization's greatest works of art are housed in the Vatican Museums. Museum benefactors say that part of their mission is to promote "evangelism through beauty."1 Thus, they are expressing an aesthetic argument that can be made for God's existence. One way to frame this argument is to reason that God's existence provides the best explanation for the world's beauty. Let's briefly explore the…
Thursday Theology from Michael Green
If you have followed me on social media for a while, you know that I have a weekly segment called Thursday Theology, where I provide quotes from important theological thinkers past and present. A theologian I quote often is Michael Green. One of his apologetics books, Runaway World, had a big influence on me as a young Christian and whet my appetite for further apologetics study. I went on to…
How Apologetics Impacts Conversion: A Historical Case Study, Part 4
Christians correctly assume that apologetics impacts conversion. That's why many Christian ministries, organizations, and individuals who are motivated by evangelism take the apologetics enterprise seriously. But just how does apologetics impact conversion? And which apologetics factors contribute to a person's movement toward salvation in Christ? As we have stated in this series, in historic Christianity the apologetics enterprise functions as a tool…
How Apologetics Impacts Conversion: A Historical Case Study, Part 3
How does the defense of the faith (apologetics) influence a person's embracing the Christian faith (conversion)? In historic Christianity the apologetics enterprise is considered a branch of theology. Defenders of the faith have used apologetics as a vehicle to eliminate intellectual obstacles, thereby encouraging serious reflection on the truth of the Christian faith. In this four-part series we're looking at the historical case of Augustine…
How Apologetics Impacts Conversion: A Historical Case Study, Part 2
How does the defense of the faith (apologetics) impact a person's coming to embrace the faith (conversion)? As mentioned in part 1 of this four-part series, in historic Christianity the apologetics enterprise is often viewed as a tool to remove intellectual obstacles that may stand in the way of a person's consideration and possible acceptance of the faith. We're examining the historical…
How Apologetics Impacts Conversion: A Historical Case Study Part 1
In historic Christianity the field of apologetics (a reasoned defense of the faith) is considered a branch of theology. Apologetics often has a close connection to evangelism (communication of the gospel message) by attempting to remove intellectual obstacles that may stand in the way of a person embracing faith (conversion). In this four-part series we'll take a look at how apologetics can…
Wednesday Wisdom from Thinker William Bennett
On my Facebook and Twitter pages I have implemented a weekly segment called #WednesdayWisdom, where I provide quotes from significant scholars from various disciplines. Education is a subject that I return to often because I think evangelical Christians need help in learning how to love God with their minds. One of my favorite educational change agents and political philosophers is…
Thursday Theology from Jaroslav Pelikan
On my Facebook and Twitter pages I have a weekly segment called Thursday Theology, where I provide quotes from important theological thinkers past and present. One historical theologian I quote often is Jaroslav Pelikan. Dr. Pelikan's five-volume series The Christian Tradition: A History of the Development of Doctrine strongly influenced my thinking about Christian history and historical theology. I hope Pelikan's insights do the same for…
Last updated June 21, 2008


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Intel (INTC) rose 3.59% today on strong third-quarter profit. Intel is the largest chipmaker in the world. Intel develops and manufactures microprocessors and and platform solutions for the global personal computer and server market.
Intel earned $0.65 per share over the third-quarter, which exceeded analyst estimates of $0.61 per share. It had third-quarter revenue of $14.2 billion, which also exceeded analyst estimates of $13.9 billion. The future bodes well for Intel. You can clearly see a rising trend with both earnings and revenue.
Although there are some headwinds for Intel, which includes the lack of penetration into the mobile and tablet markets, I feel that their dominance in the microprocessor market and unrivaled R&D places them as one of the top companies in tech. I'm not a huge fan of tech companies in general, as some of the products they make are quite honestly a little beyond me. It's somewhat easy to see and understand what exactly Intel does. They make a product that is needed by billions of people, and the need for servers isn't going anywhere. All the smartphones and tablets around us need servers to communicate with and pass along information. That's where Intel, smartly, becomes the middleman.
I purchased Intel earlier this summer and thought about adding to my position around $20. I wish I would have, but at the time I found other opportunities. So many equities, so little cash. The dividend growth has been particularly strong with INTC. They have raised their dividend twice in 2011. They first raised it in February from $0.16 per share to $0.18 per share. They again raised it in August to $0.21 per share. They are quickly turning into a formidable dividend growth stock.
I have had INTC on my watch list for additions on a pullback, but it looks like I may have missed my opportunity for now. I would like to add to my position if it pulls back to the $22 level.
Full Disclosure: I'm long INTC.
Thanks for reading.
This article was written by Dividend Mantra. If you enjoyed this article, please consider subscribing to my feed.
Thursday, October 20, 2011
Intel Rises 3.59% On Strong Third-Quarter Profit
Intel (INTC) rose 3.59% today on strong third-quarter profit. Intel is the largest chipmaker in the world. Intel develops and manufactures microprocessors and and platform solutions for the global personal computer and server market.
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One of my favorite quotes from Warren Buffett deals with an issue that many dividend investors face from time to time. The quote is" If you like a stock at $50, you would love it at $30"
As usual this quote is jam-packed with a lot of insight. It makes perfect sense that a long-term investor should be excited to purchase ownership stakes in real businesses at cheaper valuations. If you have analyzed a company, and you like the business, and the economics of the business are not materially impaired, the investor should be excited that prices are lower. For us dividend growth investors, it is always better when we can obtain dividend income at a discount. Who doesn't like getting more bang (dividend income) for their buck?
In the month of July, I managed to add to my stakes in the following companies listed below. I didn't get to buy all companies I was eyeing at the beginning of the month, since unfortunately I only have a limited amount of capital to deploy each month. I also decided to take advantage of the declines in two transportation companies, which have been exhibiting weakness recently.
3M Company (MMM) operates as a diversified technology company worldwide. The company is a dividend king which has increased dividends for 57 years in row. The ten year dividend growth rate is 9%/annum. Currently, the stock is attractively valued at 18.90 times expected earnings and yields 2.70%. Check my analysis of 3M Company for more details.
Eaton Corporation plc (ETN) operates as a power management company worldwide. The company has increased dividends for 6 years in row. The ten year dividend growth rate is 13.80%/annum. Currently, the stock is attractively valued at 12.80 times expected earnings and yields 3.60%. Check my analysis of Eaton for more details.
United Technologies Corporation (UTX) provides technology products and services to building systems and aerospace industries worldwide. The company has increased dividends for 22 years in row. The ten year dividend growth rate is 12.90%/annum. Currently, the stock is attractively valued at 15.90 times expected earnings and yields 2.60%. Check my analysis of United Technologies for more details.
Exxon Mobil Corporation (XOM) explores for and produces crude oil and natural gas in the United States, Canada/South America, Europe, Africa, Asia, and Australia/Oceania. It is also involved in refining and transporting carbons throughout the world. The company is a dividend champion which has increased dividends for 33 years in row. The ten year dividend growth rate is %/annum. Currently, the stock is attractively valued at 17.90 times expected earnings and yields 3.70%. Check my analysis of Exxon Mobil for more details.
Union Pacific Corporation (UNP), through its subsidiary, Union Pacific Railroad Company, operates railroads in the United States. The company has increased dividends for 9 years in row. The ten year dividend growth rate is 19.70%/annum. Currently, the stock is attractively valued at 16.20 times expected earnings and yields 2.40%. Check my analysis of Union Pacific for more details.
Norfolk Southern Corporation (NSC), together with its subsidiaries, engages in the rail transportation of raw materials, intermediate products, and finished goods. The company has increased dividends for 14 years in row. The ten year dividend growth rate is 20%/annum. Currently, the stock is attractively valued at 15.10 times expected earnings and yields 2.90%. Check my analysis of Norfolk Southern for more details.
I am not trying to time tops or bottoms here. I simply believe that the steady accumulation of blue chip dividend paying stocks over time, should produce satisfactory results that will help me achieve my long-term goals of living off dividends someday. Building wealth takes time, persistence and perseverance. I measure my success by the rise in my forward annual dividend income. With each dividend investment I make, I can see my expected dividend income increase a little bit. Little by little, and step by step, I see how dividend income increases, taking me one step closer to the coveted dividend crossover point.
What companies did you purchase last month?
Full Disclosure: I have a position in all companies mentioned above
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Greg Solatorio
Greg is a cultural practitioner who lives off the land in Molokai. This island is truly unique in Hawaii because it has no fancy resorts, restaurants and golf courses. It is for the most part, frozen in time. And no other place in Molokai exemplifies that more than Halawa Valley. The Solatorios are the last original family left in the valley. Greg's father was the last elder, born and raised here. Their lineage connects them back to the first Hawaiian settlers on Molokai. Today, through the Hawaiian Homes Commission Act, this entire valley — from the peaks to the ocean — still belongs to the Solatorios.
Halawa means "sufficient breath" or "sufficient life." Here, the nearest store to get supplies is 29 miles away on a one-lane, windy road. In Halawa Valley, if you don't catch your own food, you don't eat. That's how it goes. Luckily, this valley is rich with bountiful fruit, fish and vegetation. It supported a village for more than a thousand years and it supports the Solatorios today. Recently, the responsibility of carrying on his family's traditions and culture has been passed on to Greg. And there's no other place he'd rather be.
"Culture is not secret, it is sacred."
This is just something I always wanted to do, this is my passion. And one of my biggest role models is my father. He is my hero. He is a cultural practitioner, a kumu, a teacher, to many people. And the example that I saw him set, made me want to be what I am now.
You lived away from Molokai and traveled the world. What brought you back?
Well, I don't know if you've ever grown your own garden, or harvested your own deer, or caught your own fish, but the satisfaction you get from knowing the hard work that you put into these things, to reap the benefit of these things – and to know that I'm taking care of my family, feeding my brother, feeding my sister, feeding myself – is incredible. You actually get a peace in yourself, where you actually feel connected, and you start to feel whole.
What does it feel like to live off the land?
Our culture, our family, our traditions, and our ways here in this valley – this is my expertise. I was always taught from my elders, especially my father, that culture is not secret, it is sacred. And that is what a lot of us need to understand, especially us cultural practitioners, culture needs to be shared. The minute we don't share culture, that's the minute our culture dies.
You operate Halawa Valley Falls Cultural Hike. Why is it important to share your way of life?
The way I was taught to practice it, the way with the people in Halawa Valley did it, is we work with mother nature. We believe there's a spiritual and a physical connection in everything around us. And once we find that spiritual and physical connection within those things, we start to understand, and we see things for more than what they really are. We don't take from mother nature. Because it is not ours to take. We ask and we borrow. We stay pure, we use the gifts that she gives us. It belongs to her, not us.
How do you practice sustainability in Molokai?
"We don't take from mother nature. Because it is not ours to take. We ask and we borrow. We stay pure, we use the gifts that she gives us."
It's not an easy life. I spend a lot of time away from my family and kids but at the same time, they do come here and spend a lot of time with me. My kids can do everything that I do today. Not too many 13 year olds can go up into the mountain and go harvest a deer and bring it home to feed their family. And they know the modern life enough, where if times have to change and you have to live in the city, they'll be able to survive there. But no matter which way they survive, the culture will still be alive.
What kind of sacrifices do you make to live this lifestyle?
We say, "Nana i ke kumu," we go to the source. And without these sources – the people within these places who keep these stories alive – everything is gone. But when you have people that were born and raised in that place, seeing what the place used to look like, seeing what the elders used to do, and they hand it down to the next generation and teach them the exact things over and over again, now the story lives on forever.
Why is it important for culture to be taught by those who practice it?
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With The Amazing Spider-Man 2 opening in theaters tonight for sneak preview screenings, The Daily Bugle viral website has posted a new story, where reporter Ned Leeds speaks with Gwen Stacy (Emma Stone), her mother Helen and brothers Phillip, Howard and Simon, about the death of their father George Stacy (Denis Leary) one year ago "today."
May 1, 2014
By Ned Leeds
Today marks the one-year anniversary of the Lizard's attack on Manhattan and the death of Captain George Stacy, of New York City Police Department's Major Crimes Unit. Stacy was a decorated police veteran who left behind a loving wife and four children. In this Daily Bugle exclusive we spoke with the Stacy family, Helen, who lost a heroic husband that day, and Gwen, Phillip, Howard, and Simon, who lost their father.
Daily Bugle: Helen, is this a hard anniversary to commemorate?
Helen Stacy: It's hard to believe George died a year ago. That night, that call, it still hurts as if it happened five seconds ago.
DB: Does your family take any solace that Curt Connors will spend the rest of his life in prison?
Helen Stacy: I think that would have mattered much more to George, just to know Connors is paying for his crimes. He cared very deeply about the law and about justice.
DB: Gwen, your graduation from Midtown Science High School is coming up and you are the valedictorian. How proud would your father have been?
Gwen Stacy: Very proud, I'm sure. (fighting back tears) And nervous for me, and concerned because he wouldn't want me to be scared. And excited for my future.
DB: Do you ever have any regrets that Spider-Man and your father saved the city but only one of them walked away that night?
Gwen Stacy: I think... (long pause) I think both of them did what they thought needed to be done without regard to the risk. I think both of them were heroes that night. I regret that my dad died, but not at the expense of anyone else.
DB: What about the kids? What do your classmates say about that night?
Simon Stacy: All my friends think that Spidey was totally cool, but that my dad was the coolest!
What remains to be seen is whether or not this Daily Bugle viral site will continue to post stories after The Amazing Spider-Man 2's release, since fans already have The Amazing Spider-Man 3, The Amazing Spider-Man 4 and the spin-offs Venom and The Sinister Six to look forward to. Stay tuned to see if any other stories emerge in the months ahead.


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Brian, great post as always! Question: Do you consider authority sites (industry portals) a form of "influencer marketing?" e.g. guest blogging, etc? In some niches there are not so many individuals who are influencers (outside of journalists) but there are sites that those in the industry respect. I am in the digital video space and for me one site is actually a magazine that is building a very strong digital presence. Thanks, keep up the good work!
Dedicate some time to brainstorm all the different ways you can attract inbound links to your website. Start small –- maybe share your links with other local businesses in exchange for links to their sites. Write a few blog posts and share them on Twitter, Facebook, Google+, and LinkedIn. Consider approaching other bloggers for guest blogging opportunities through which you can link back to your website.
Not all strategies have to be big. Sometimes your window is small, and you're forced to build for a distinct — or tiny — opportunity. Maybe you don't have time for a proper large-scale strategy at all; a tactic or two might be all you can do to carry in a win. Just make that very clear with your boss or client. Don't misrepresent what you're trying to build as an SEO campaign.
Another reason is that if you're using an image as a link, the alt text for that image will be treated similarly to the anchor text of a text link. However, we don't recommend using too many images for links in your site's navigation when text links could serve the same purpose. Lastly, optimizing your image filenames and alt text makes it easier for image search projects like Google Image Search to better understand your images.
The days when internet browsing was done exclusively on desktop PCs are long gone. Today, more people than ever before are using mobile devices to access the web, and if you force your visitors to pinch and scroll their way around your site, you're basically telling them to go elsewhere. Ensure that your website is accessible and comfortably viewable across a range of devices, including smaller smartphones.
Sorry for the long comment, I just am really happy to see that after all those years of struggle you finally made a break through and you definitely deserve it bro. I've had my own struggles as well and just reading this got me a little emotional because I know what it feels like to never wanting to give up on your dreams and always having faith that one day your time will come. It's all a matter of patience and learning from failures until you get enough experience to become someone who can generate traffic and bring value to readers to sustain long term relationships.
Hey Brian, I have landed in this blog while visiting via blog land. I must appreciate your effort to put up such informative content. As being an Internet Marketing Consultant, I would like to add few thought of my own with your valuable content. There are many people who wants HUGE number of traffic with no time at all. But as per my experience, SEO has become SLOW-BUT-STEADY process in the recent times. After so many algorithm updates of Google, I think if we will do any wrong things with the websites, that should be paid off. So without taking any risk, we need to work ethically so that slowly the website will get the authority and grab the targeting traffic. What do you think mate? I am eagerly looking forward to your reply and love to see more valuable write-ups from your side. Why don't you write about some important points about Hummingbird Updates of Google. It will be a good read. Right brother? 🙂
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As a simple example, I recently renovated a Victorian-era house in the UK, and throughout the process, I was looking for various professionals that could demonstrate relevant experience. In this case, having a well-optimized case study showing renovation work on a similar house in the local area would serve as great long-tail SEO content — it also perfectly demonstrates that the contractor can do the job, which perfectly illustrates their credibility. Win-win.
So I'm not good at English. Well I'm running a new vacation rental and travel website in French. But it seems that in francophone area people are reluctant to implement backlinks. I do need links to rank because I have strong competitors. So I've decided to ask for those links to Anglophone website owner. Since my content is in French, I thought I could ask for links to pages with solely touristic spots photos. What do you thinks of that?
Optimizing a website may involve editing its content, adding content, and modifying HTML and associated coding to both increase its relevance to specific keywords and remove barriers to the indexing activities of search engines.[citation needed] Promoting a site to increase the number of backlinks, or inbound links, is another SEO tactic. By May 2015, mobile search had surpassed desktop search.[3]
WOW. I consider myself a total newbie to SEO, but I've been working on my Squarespace site for my small business for about 3 years and have read dozens of articles on how to improve SEO. So far, this has been the MOST USEFUL and information-packed resource I've found so far. I'm honestly shocked that this is free to access. I haven't even completely consumed this content yet (I've bookmarked it to come back to!) but I've already made some significant changes to my SEO strategy, including adding a couple of infographics to blog posts, changing my internal and external linking habits, editing meta descriptions, and a bunch more. Thanks for all the time and passion you've out into this.
I feel I have great content…but most of it is within my email marketing campaign instead of my blogs. I've used my blogs to include links to my email marketing campaigns to lead to my product. In your opinion, should my blog content be the priority? I find my marketing emails sound more like a blog than just a "tip" or a reason to grab people to my list.
For example, if a swimming pool business is trying to rank for "fiberglass pools" -- which is receiving 110,000 searches per month -- this short-tail keyword can be the one that represents the overarching topic on which they want to create content. The business would then identify a series of long-tail keywords that relate to this short-tail keyword, have reasonable monthly search volume, and help to elaborate on the topic of fiberglass pools. We'll talk more about these long-tails in the next step of this process.
Content is king. That's the saying, right? It's true in a way. Your website is really just a wrapper for your content. Your content tells prospects what you do, where you do it, who you have done it for, and why someone should use your business. And if you're smart, your content should also go beyond these obvious brochure-type elements and help your prospective customers achieve their goals.
People want to speak their minds and weigh in on subjects they feel passionately about, so building a community into your site is a great way to start a conversation and increase traffic to your website. Implement a robust commenting system through third-party solutions such as Facebook comments or Disqus, or create a dedicated forum where visitors can ask questions. Don't forget to manage your community to ensure that minimum standards of decorum are met, however.
Thanks Brain, these tips are useful. The key thing with most of the tips that you provided is that it will take time and most people want to have more traffic, but they do not want to do the work and put in the time. However, if you put in the word and you do a quality job then it will work out. I think that is the overall strategies that a lot of SEOs have to do today is just to take the time and figure out quality strategies.
There are a number of ways to optimize your website for conversion—such as by including calls to action and lead capture forms in the right places, providing the information your visitors are seeking, and making navigation easy and intuitive. But the first step is to be attracting the right visitors to your site in the first place. Your goal when it comes to website traffic is to be driving more qualified visitors to your site. That is, those who are most likely to convert into leads and customers.
Hack #1: Hook readers in from the beginning. People have low attention spans. If you don't have a compelling "hook" at the beginning of your blogs, people will click off in seconds. You can hook them in by teasing the benefits of the article (see the intro to this article for example!), telling a story, or stating a common problem that your audience faces.
"In conclusion, this research illuminates how content characteristics shape whether it becomes viral. When attempting to generate word of mouth, marketers often try targeting "influentials," or opinion leaders (i.e., some small set of special people who, whether through having more social ties or being more persuasive, theoretically have more influence than others). Although this approach is pervasive,recent research has cast doubt on its value (Bakshy et al. 2011; Watts 2007) and suggests that it is far from cost effective. Rather than targeting "special" people, the current research suggests that it may be more beneficial to focus on crafting contagious content. By considering how psychological processes shape social transmission, it is possible to gain deeper insight into collective outcomes, such as what becomes viral."
Social media. The algorithms have truly changed since social media first emerged. Many content websites are community-oriented -- Digg began allowing users to vote which stories make the front page, and YouTube factors views and user ratings into their front page rankings. Therefore, e-commerce stores must establish a strong social media presence on sites like Facebook , Pinterest, Twitter, etc. These social media sites send search engines signals of influence and authority.
For my Adsense plugin which you can get here https://wordpress.org/plugins/adsense-made-easy-best-simple-ad-inserter/ I've created a PRO version (https://www.seo101.net/adsense-made-easy-pro/) that is available to those that sign up for my mailing list. It's not much but it gets me 5 to 6 subscibers a day. And best of all I know exactly what my subscribers are interested in… WordPress and Adsense:)
By relying so much on factors such as keyword density which were exclusively within a webmaster's control, early search engines suffered from abuse and ranking manipulation. To provide better results to their users, search engines had to adapt to ensure their results pages showed the most relevant search results, rather than unrelated pages stuffed with numerous keywords by unscrupulous webmasters. This meant moving away from heavy reliance on term density to a more holistic process for scoring semantic signals.[13] Since the success and popularity of a search engine is determined by its ability to produce the most relevant results to any given search, poor quality or irrelevant search results could lead users to find other search sources. Search engines responded by developing more complex ranking algorithms, taking into account additional factors that were more difficult for webmasters to manipulate. In 2005, an annual conference, AIRWeb (Adversarial Information Retrieval on the Web), was created to bring together practitioners and researchers concerned with search engine optimization and related topics.[14]
If you are using Responsive Web Design, use meta name="viewport" tag to tell the browser how to adjust the content. If you use Dynamic Serving, use the Vary HTTP header to signal your changes depending on the user-agent. If you are using separate URLs, signal the relationship between two URLs by tag with rel="canonical" and rel="alternate" elements.
On the other hand, I'd like to know how many people constitutes your new experience as an indipedent consultant? Infact, as others noted in the comments here, what you suggest is perfect especially for an in-house SEO situation or in for an Web Marketing Agency with at least 5/8 people working in. Even if all you say is correct and hopefully what everybodies should do, I honestly find quite difficult to dedicate all the amount of time and dedication in order to check all the steps described in your post. Or, at least, I cannot imagine myself doing it for all the clients.
When Googlebot crawls a page, it should see the page the same way an average user does15. For optimal rendering and indexing, always allow Googlebot access to the JavaScript, CSS, and image files used by your website. If your site's robots.txt file disallows crawling of these assets, it directly harms how well our algorithms render and index your content. This can result in suboptimal rankings.


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Is This "Sharpie-gate II"
Found here.
Found here.
And the Obamas, and even Mad Maxine Waters, but not for you and me? How does that work anyway?
Found here.
Or maybe Apple will just provide the temporary 'Construction Loan' while Trump formulates the Mexican Wall Payment Plan (MWPP). Trump wins again. From the NY Times, "Apple, Capitalizing on New Tax Law, Plans to Bring Billions in Cash Back to U.S.".
Apple, which had long deferred paying taxes on its foreign earnings and had become synonymous with hoarding money overseas, unveiled plans on Wednesday that would bring back the vast majority of the $252 billion in cash that it held abroad and said it would make a sizable investment in the United States.
… Apple took advantage of the new tax code that President Trump signed into law last month. A provision allows for a one-time repatriation of corporate cash held abroad at a lower tax rate than what would have been paid under the previous tax plan. Apple, which has 94 percent of its total cash of $269 billion outside the United States, said it would make a one-time tax payment of $38 billion on the repatriated cash.
This ironic, hypocritical howler comes from Vanity Fair, "Taylor Swift Is Building a Wall".
Some walls are meant to keep people in. Some walls are meant to keep people out. Some walls can be broken down with solid therapy and two glasses of Cab Sauv. Taylor Swift, for her part, is building a wall around her Beverly Hills mansion. It's hard to say what kind of wall this one will be yet, but the objective appears to be keeping paparazzi and other bogeymen out, according to TMZ, which has viewed the permit for the new build.
The teaser for Disney's "Pirates of the Caribbean: Dead Men Tell No Tales" was first seen during last night's Super Bowl. We can only hope the movie is as good as it looks. BTW. Congrats to Tom Brady and the New England Patriots for their win, and to the Atlanta Falcons for a great game, and to Lady Gaga for keeping her mouth shut except to sing, and to President Donald Trump for predicting the win. 8 points, Mr. President. Huuuge!! And to 84Lumber, let me add my prediction. You won't be getting any of the contracts for building "The Wall" on our Mexican Border any time soon.


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It's really simple, sign up, choose your products & we will deliver fresh organic vegetables & other groceries to your home.
If you have any questions please drop us an email at firstname.lastname@example.com
or call the veg box team on 0141 378 1672.
When do we deliver?
Our delivery days are as follows:
- Wednesday : Ayrshire, Glasgow – South of the Clyde
- Thursday : Edinburgh North, Falkirk, Livingston, Stirling
- Friday : Edinburgh City Centre, Glasgow – North of the Clyde, Helensburgh
We also have the following collection points:
- Wednesday : Our shop (from 10.30am), Lochwinnoch Heritage Farmers' Market
- Thursday : Balfron Neighbour Food Hub or Stirling Neighbour Food Hub
- Friday : Our shop (from 10.30am)
- Friday : Made Zero shop, Glasgow Rd, Dumbarton
We're interested in setting up more collection points in Glasgow and beyond, so if there's a group of you who'd like to get veg boxes together please get in touch!
For more information check out our Veg Box Policy