text:
Tuesday, November 23, 2010
11/24/10 75% Long
Now 75% long, and not too concerned with exposure going forward. I still think we move higher into 2011, and that today was another buying opportunity.
Famous last words? You never know. I'm pretty confident in my portfolio positions right now.
151 comments:
I was able to watch the price movements in the indexes most of the day, and I can honestly say that I thought we would close green. That's kind of unusual given no let up in the brutal selling.ReplyDelete
So my intuition was wrong.
If nothing else, one more reason to want Kim Jong-il taken out.ReplyDelete
- teamonfuegoNovember 23, 2010 at 5:15 PM
2nd - I wouldn't be surprised at all if we completely make up today's losses in tomorrow's session. I didn't sense any fear in today's market, probably just people squaring away their portfolios ahead of the holiday. I think gold sells off and equities rise. At least that's how I'm positioned for the very short term. Longer term I'm still a little hazy on the market.ReplyDelete
tof- I'm slowly transitioning from day trading (as exciting as it can be at times, it's no way to live- you tend to live/die with the next trade to the detriment of everything else) to let's say a 3-6 month time horizon...ReplyDelete
My other 'hope' is that by not micro-managing every trade I might actually be able to brag about a 25-30% return on a Dow stock.ReplyDelete
- teamonfuegoNovember 23, 2010 at 6:04 PM
2nd - Yeah, my body is ready to make that transition...I'm not sure yet if my mind is ready. I have a list of some long term investments that I think will do well and I'm trying to get comfortable with the idea of just holding them for the longer term. My list includes, at the right price:ReplyDelete
The big themes that I want to be invested in are commodities like Nat Gas / Coal / Oil, mobile internet growth, touchscreen growth, and emerging middle class growth in India. Those are longer term trends I feel like I can invest in.
"I'm slowly transitioning from day trading to let's say a 3-6 month time horizon..."ReplyDelete
I think that's a much easier way to make money -- find an oversold/undervalued company and hold it until the pendulum swings the other way. You said it yourself: the pendulum always swings...
Inside Insider Trading newSubmitted by 2nd_ave (4995 comments) on Tue, 11/23/2010 - 21:19 #74827ReplyDelete
This is what I define as insider trading:
'...high-powered executives picking up the phone, whispering secret tips about big deals, and trading stock at an unfair advantage. These were the types of cases that ensnared executives such as Ivan Boesky in the 1980s and Enron's Jeffrey Skilling more recently.
'How the alleged scheme may have worked is unclear. Federal prosecutors declined to comment on Tuesday. But what is clear is that the way information is shuttled around the world of finance today is faster, more complex and more shadowy. It involves an increasingly digitized financial world where networks of insiders can share bits of information with blinding speed.
'It can also tap into so-called expert networks of industry analysts, experts and consultants who squirrel details between corporate America and Wall Street about what companies are up to -- potentially giving some investors an unfair edge.'
In fact, I think in cases where the person who profits from inside information keeps it small, it would be almost impossible to detect.
On the other hand, I would have a hard time convicting anyone in the following scenario:
'Federal authorities have traditionally pursued high-ranking executives and their confidants in insider-trading cases. Now, they're increasingly going after the rank and file. In September, for instance, the Securities and Exchange Commission accused a railroad supervisor and a trainman of insider trading after they noticed an "unusual number" of tours of people in "business attire" in a railyard.
'The two workers and their relatives then bet in the stock market that the company would soon be taken over and made $1 million when that turned out true, according to the SEC suit.'
IMO, the two railroad employees made a shrewd deduction based on simple observations while working at jobs completely unrelated to companies involved in the takeover.
Just got back from a meeting...ReplyDelete
David, you right. Using TA in any sense is useless for UNG. But it also probably is looking at the futures price because of the roll over jumps. Maybe UNG "smooths" these a little though, and for the past 3 months it has traded very well off of spot now that the severe contango has been removed.
UNG/UCO...Both are green for me and have really saved my butt these last few days. Yes, they have tracking issues, but I think CB take before the close was correct. I see now that crude is up .5% and the dollar is down .22%.
2nd- Excellent take on insider trading. My take also.
TOF- I've never lost money trading UNG. You just have to pick your spots. Might I use my capital to better use? Probably. But that's up to you to find one for me :)!
KBE - 40% short float!ReplyDelete
CP- Don't put to much into the short float for KBE. Something must be strange with the ETF's about this. I've seen 100% short float on SPY.ReplyDelete
Short float - Yeah, I'm still trying to figure out how to relate those figures. 40% certainly seems a bit excessive.ReplyDelete
Jimmy Carter - "China has been working on humanitarian projects in under developed countries including on the continent of Africa in an attempt to cement Chinese access to the commodities necessary for China's future growth."ReplyDelete
Not spoken critically, just part of the dialog from an interview on tonight's Travis Smiley program.
Wasn't there a similar North korean scare last nov. right before thanksgiving? If I remember correctmarkets dived prior and then a huge up day on black friday?ReplyDelete
well, I bet history repeats.
- teamonfuegoNovember 23, 2010 at 9:20 PM
vb - markets were down on dubai news last year.ReplyDelete
VB- TOF is correct about Dubai.ReplyDelete
Markets seems to use whatever reason, both positive and negative, to shake out weak hands. It's the trend and likelihood of continuation that are more important IMO. I think TA helps us to identify the potential inflection points.ReplyDelete
REDF - Isn't it about time (almost) this one stops selling?ReplyDelete
Ditto for CSCO, although trendlines seem to indicate a $17/$18 handle.
Short float - EDU - How does this short float stay so low, considering a PE of nearly 50!ReplyDelete
CADC - Be careful with this one for a while b/c the fires are still raging with the Frazer Frost accounting firm and RINO association, I wouldn't be surprised to see a $3 handle for CADC in the near future.ReplyDelete
hi all - made my daily this a.m. (6E was trading much more smoothly), but since it's only 4 a.m. what the heck am I going to do all day?ReplyDelete
on the insider trading issue - it really can't be insider trading as I've been asked several times in the past to be part of expert networks and as ya'll here know I am as dumb as they come.
I predict more egg on uncle sam's face when all this is said and done.
gl today guys!
- teamonfuegoNovember 24, 2010 at 5:40 AM
wow. that was an impressive jobless claims number. futures spiked on that news.ReplyDelete
- teamonfuegoNovember 24, 2010 at 5:40 AM
durable goods was pretty bad though.ReplyDelete
- teamonfuegoNovember 24, 2010 at 5:51 AM
CSCO: RSI 14 is at the low 20's. I would say that about 90% of the time I see a stock with a low 20's or 20 RSI, it's usually time to buy.ReplyDelete
- teamonfuegoNovember 24, 2010 at 5:55 AM
Anyone have any edge on PHM? It has cratered recently and is at its lowest point since the crisis began.ReplyDelete
Corea> Moving on to 'Spain' newSubmitted by 2nd_ave (4996 comments) on Wed, 11/24/2010 - 08:59 #74848ReplyDelete
jb- You COULD get a life, man.ReplyDelete
- AnonymousNovember 24, 2010 at 6:24 AM
natty storage will be released at 12:00 PM Eastern Time today, estimates are 0.ReplyDelete
- teamonfuegoNovember 24, 2010 at 6:42 AM
Sold half of my SPY $115 Nov and $117 Dec calls at about a 12% gain; I bought them too early yesterday and decided to hold on to them. Will sell the rest after the consumer confidence report comes out.ReplyDelete
- teamonfuegoNovember 24, 2010 at 6:44 AM
Actually...looks like the gain was around 15%.ReplyDelete
- teamonfuegoNovember 24, 2010 at 6:47 AM
Bought a few March $9 calls on BYD at $1.35.ReplyDelete
- teamonfuegoNovember 24, 2010 at 6:49 AM
Bought BAC March $11 Calls at $1.09.ReplyDelete
- teamonfuegoNovember 24, 2010 at 7:01 AM
Sold the rest of my SPY calls at 18% gain.ReplyDelete
- teamonfuegoNovember 24, 2010 at 7:07 AM
Added more BAC calls at $1.1ReplyDelete
tof- You're nailing three-pointers and stuffing hoops, my friend.ReplyDelete
Good job JB. Looks like the experts at TT are all on the same page on this issue. I wonder what the take is at CC?ReplyDelete
New claims...Isn't the number in expansion around 350K?ReplyDelete
- teamonfuegoNovember 24, 2010 at 7:23 AM
Bought more BAC Calls at $1.13.ReplyDelete
- ChickenpookieNovember 24, 2010 at 7:24 AM
CADC - Doing better then I'd imagined, don't see any news either.ReplyDelete
- ChickenpookieNovember 24, 2010 at 7:27 AM
DZZ - Perhaps I actually should've shorted silver?ReplyDelete
Man you called it, tof> we may very well recover all of yesterday's losses. And then some.ReplyDelete
- teamonfuegoNovember 24, 2010 at 7:39 AM
Large long position BAC at $11.25. Long more BAC March $11 calls at $1.14.ReplyDelete
- teamonfuegoNovember 24, 2010 at 7:40 AM
Anything consumer spending related should kick butt today and the next few days. That's why I'm long BAC, BYD. Wish I held on to PIR, which is officially a wickery beast.ReplyDelete
- ChickenpookieNovember 24, 2010 at 7:41 AM
KRE - Hanging in there.ReplyDelete
PMI - Looking stronger.
I'm very pleased with the action so far in crude. Slightly bearish inventory #'s and it's still climbing.ReplyDelete
- teamonfuegoNovember 24, 2010 at 7:45 AM
whoa...STT just rocketed higher...ReplyDelete
long at $42.1 from yesterday.
TOF- Thanks for the help with BAC ;). Buy all you can!!ReplyDelete
- ChickenpookieNovember 24, 2010 at 7:49 AM
GBCI - Looks like $13 was the entry.ReplyDelete
- ChickenpookieNovember 24, 2010 at 7:55 AM
What are we so damn giddy about today, just the employment report?ReplyDelete
- ChickenpookieNovember 24, 2010 at 7:59 AM
CSCO - What happened to this trade, this could be the entry?ReplyDelete
CP- No, it's Trish Regan's lime green sweater.ReplyDelete
- ChickenpookieNovember 24, 2010 at 8:03 AM
You snooze, you lose in this market. Absolutely no room for error!ReplyDelete
- ChickenpookieNovember 24, 2010 at 8:08 AM
Ha! That must be it, I really liked Hillary's lime green plaid suit last week, looked just like something straight out of a 70's Maverick.ReplyDelete
Have fun guys!ReplyDelete
- ChickenpookieNovember 24, 2010 at 8:17 AM
Gold - I imagine it's simply a matter of time till this turns green too, but that's just a guess...ReplyDelete
- ChickenpookieNovember 24, 2010 at 8:22 AM
HRBN - Headed back to $24 b/c the buyout really isn't off the table as pundits claim?ReplyDelete
- teamonfuegoNovember 24, 2010 at 8:33 AM
If you look at the chart for BYD over the past 2 months, is that not a pretty looking chart?ReplyDelete
- teamonfuegoNovember 24, 2010 at 8:34 AM
Meant to add IBKC to my watch list above. I believe that will be as large as USB in 10 years.ReplyDelete
- teamonfuegoNovember 24, 2010 at 8:37 AM
Reason why I say this about IBKC is they have been a huge beneficiary of these FDIC-assisted bank takeovers. Their asset base has doubled in the past 18 months.ReplyDelete
- ChickenpookieNovember 24, 2010 at 8:38 AM
ONP - Dispels allegations all Chinese companies cook books by conducting audit:ReplyDelete
"Press Release Source: Orient Paper, Inc. On Wednesday November 24, 2010, 9:29 am EST
BAODING, Hebei, China, Nov. 24, 2010 /PRNewswire-Asia-FirstCall/ -- Orient Paper, Inc. (Amex:ONP - News) ("Orient Paper" or the "Company"), a leading manufacturer and distributor of diversified paper products in Hebei, China, today announced that the independent investigation that was conducted by the Audit Committee of Orient Paper with the assistance of Loeb & Loeb LLP ("Loeb & Loeb") and Deloitte & Touche Financial Advisory Services Limited ("Deloitte") has concluded.
Mr. Drew Bernstein, Chairman of Orient Paper's Audit Committee, commented, "The independent investigation has concluded. We would like to thank all the personnel involved in the investigation and are pleased with the results. We expect to issue a press release summarizing the results of the investigation next week."
- ChickenpookieNovember 24, 2010 at 8:42 AM
BYD - Chart looks great to me, weren't they about to enter into some kind of financial arrangement, or was that rumor?ReplyDelete
OINK - Is this lil' piggy gonna fly?ReplyDelete
TOF -- you've been correctly calling every single market's turn lately! I guess you are practicing for your married life -- you'll need this kind of intuition there with calling your wife's moods. :))ReplyDelete
I just sold at $8.39 the 250 shares of WATG I "erroneously" bought at $8.35 a couple of days ago. I said "erroneously" because that price level was too close to my previous purchase at $8.42, and I would like to space out my purchases more than that. The next reasonable purchase level below $8.42 would be $8.05, and I just placed a buy limit there for 250 shares. Moreover, I was able to sell 10 January $7.50 puts yesterday at $0.85, so even if WATG rockets higher now, I won't feel like I didn't take much advantage of its scary drop.ReplyDelete
Just like TOF with SPY, so far I am having luck with TBT: bought some at $34.60, sold at $36.50, reloaded yesterday at $35.41, just sold it at $36.51.ReplyDelete
UXG - This is what I call a beautiful chart, wonder if they're in someone's buyout cross hairs?ReplyDelete
As for NG, the January futures made a new high today, giving more evidence to the uptrend being in place. HNUZD hit my sell limit order today at $7.00 for 250 shares, bringing my total NG exposure down to more reasonable levels and booking more profit from the purchases I made at the rock bottom.ReplyDelete
- teamonfuegoNovember 24, 2010 at 10:18 AM
David - It's been a fantastic week indeed...nothing compared to the week of the REDF run though. But I agree, preparing for my wife to be's moods will be a whole other task!ReplyDelete
My week would have been even better if I held on to my large position in PIR, which is rocking! I'm seriously considering putting all of my money into BAC, IBKC here.
UXG - My gosh, look at the major shareholder roster..ReplyDelete
2nd - I'm married with kids and grandkids so of course I don't have a life.ReplyDelete
report from the 6E battle zone - the only winner today is Infinity Futures, I had those bast*rds on the run a few times but I just couldn't snuff 'em out. Back to daily goal, but I made it really hard.
- teamonfuegoNovember 24, 2010 at 11:14 AM
David - congrats on the TBT trades. By the way, check out the action in DB...that's NOT a good thing.ReplyDelete
I'm going to take a shot at the ultimate falling knife, ASTM, at some point :)ReplyDelete
Kim Jong-un in Casino Royale newSubmitted by 2nd_ave (4997 comments) on Wed, 11/24/2010 - 14:53 #74864ReplyDelete
Jong-un: Dad.
Jong-il: Did you have a good time in Macau?
Jong-un: Dad- I dropped 50m at the Sands.
Jong-il: No way, son.
Jong-un: But I have a plan.
Jong-il: (beat) Listening.
Jong-un: Casino Royale.
Jong-il: (2 beats and a smile) I like it.
Jong-un: 2 missiles and short the Kospi.
Jong-il: (claps) Yes, yes.
Full text of CIA translation.
2nd- Too funny man...ReplyDelete
- teamonfuegoNovember 24, 2010 at 12:05 PM
good one 2nd. i wouldn't doubt this.ReplyDelete
Mark - DB = Deutsche Bank. I'm keeping my eye on this as it is the key tell on the Europe mess in my mind. I'm sticking with the bullish trend for now, but I still think this market should be traded.
TOF- That's what I thought. I watch it obviously also. Just thought you were commenting on something specific today, thanks.ReplyDelete
- teamonfuegoNovember 24, 2010 at 12:09 PM
By the way, the parallel with summer/fall 1998 still stands. Today would be December 15, 1998. I've been following this closely as a rough guideline for my trading recently and it has worked like a charm. In fact, I've been using it as a framework since August.ReplyDelete
Yep, DB along with STD/IRE/NBG/etc.?ReplyDelete
This flock of PIGIS definitely not flying, holding pattern?
TOF - It's deja vu '87, Jerry Brown/Barbara Boxer/Hawaii 5-O/Betty White style!ReplyDelete
A wise woman will always let her husband have her way.
- teamonfuegoNovember 24, 2010 at 12:42 PM
Chicken - I'm paying more attention to DB, UBS, and STD as a contagion thing. We already know the details on NBG/IRE/AIB.ReplyDelete
I guess we're cautiously headed up for a while until the ice begins cracking, in which case the strategy involves selling morning pops then buying end of day bargains?ReplyDelete
Is the market open on Friday? Is it a short day?ReplyDelete
Ah yes, monitoring for domino effect.ReplyDelete
Couldn't find a single imbalance either way. Looks like we close here.ReplyDelete
David- Open Fri. till 10:00 our time.
ATNI - About to close at high of day...ReplyDelete
Imbalances just popped up...ReplyDelete
- teamonfuegoNovember 24, 2010 at 12:57 PM
If the 1998 parallel holds: flat/slightly down on Friday, gap up on Monday.ReplyDelete
Man. I've never seen a close like that. BAC/WFC/JPM etc, etc all crushed their imbalances...ReplyDelete
At the bar!!!!
BAC - That was a nice close.ReplyDelete
ONP - Now that piggy was a flyin'!ReplyDelete
Since I sold some HNUZD today, I am moving up my buy limit on UNG to $5.90, for 400 shares, so as to keep buying the dips in UNG until futures reach $5 (at which point, they will be fairly priced).ReplyDelete
- teamonfuegoNovember 24, 2010 at 1:43 PM
If we learn anything from investing its that panic / fear / loathing should be bought (well, that and that patience is a virtue not many have) Look at CREE, BBY, HPQ, GOOG over the past 4-6 months. Everyone hated it at the bottom and are looking to buy now after huge runs. If you could stomach it and had patience, you would have come away with huge gains in only 4 to 6 months. I think the same will be said about BAC. GRMN? Not so much. That is going the way of Blockbuster.ReplyDelete
Oh god, now they're wearing kilts for airport security and they're going commando!ReplyDelete
GRMN - Yeah, this one's not so obvious to me anymore considering competition could easily stomp a one pony circus.ReplyDelete
CREE was a no brainer, was shocked nobody wanted it on the second test of $50, especially from a long term perspective.
Natty - Well, looks like our east coast warm spell has come to an end and the gas furnaces are getting fired up, hopefully those solar flares don't singe the ice caps and flood us out...ReplyDelete
AGQ - Quite a run there too.ReplyDelete
DAN - Another one I was interested in...ReplyDelete
LNG - Another one I had considered several times...ReplyDelete
Mark- Can you elaborate on your closing comments above:ReplyDelete
'Man. I've never seen a close like that. BAC/WFC/JPM etc, etc all crushed their imbalances...'
CREE is a good example of why I need to avoid jumping in and out of positions. No way to capitalize on those kinds of unexpected surges day trading.ReplyDelete
If you think about, BAC and CSCO at these prices are a gift- one just needs to stop second-guessing the entry. These are both DJIA components. Both INTC (and to a lesser extent MSFT) are also seeing little demand right now at attractive valuations.ReplyDelete
But that's the way crowd behavior works...
PMI - I don't suppose anyone is interested or can think of a reason why PMI should or could rally from here, do they?ReplyDelete
I think Mark meant the sell imbalances were quickly converted to buy imbalances.ReplyDelete
PMI - Looks like Paulson & Co. owns, or recently did own 5M shares.ReplyDelete
I thought Paulson was a gold bug?
And yes, I agree about CSCO being a gift, but according to all the nay-sayers BAC is BK, so who do you believe?ReplyDelete
I like to think BAC is a bargain here but it's hard to ignore the perceptions (or lack thereof) of others.
This all feels like such a dream and I really can't appreciate how some folks love talking out of the sides of their mouths and bragging about how their one posted trade worked, all after the fact.
CP- I was hoping that's what Mark meant.ReplyDelete
INTC - Well, I see what looks like a very nice gain off the low we all watched materialize. Even an obvious double bottom formation materialized on that one...ReplyDelete
Were we too focused on something else to buy and hold, and if so, who, what, when, where and why?
I held onto my crap stocks through it all, while adding and subtracting from my positions which were all posted right here.
At least I was trying to make some trades, even though I really didn't have experience or access to and knowledge of the analysis tools I really should've.
It wasn't easy, I was repeatedly told I couldn't do it (presumably I'm an idiot?), that the entire financial system was collapsing, that the FED's QE would end in collapse and that they should be audited, the FED head must go, to just take any meager gains and leave the table.
2nd- Yep, that's about it. Buy/sell orders are aggregated before the open and 1 hour before the close. I've never seen a % that triggers an imbalance notification, but the NYSE web site uses "overwhelming" spread. Notification is sent out 15 minutes before the close.ReplyDelete
I try to catch as many as I can each day to get a feel for the close. On a day like today with all of the financials showing sell imbalances, the market would usually sell off into the close.
I'd say it's usually 80% accurate. Today, all of the MOC orders were absorbed buy new buy orders at a crazy pace and all off the finanicals ended very strong.
10 minutes till happy hour!!
When I say 80% accurate, I mean the other 20% of the time things end up flat. I can't really ever remember them going 180 degrees.ReplyDelete
I'll drink to that!ReplyDelete
Sometimes I think what we lack is just a tad more encouragement. Everything's always so down and out.ReplyDelete
Higher than I would want to guess right now.ReplyDelete
TZA/VXX> same old same old.ReplyDelete
Everyone who panicked out on Tuesday will be waiting for the 'inevitable' pullback to reenter their positions. Ain't happenin' IMO.ReplyDelete
Anybody have a take on whether or not or how we might interpret coming market action in terms of income tax preparation?ReplyDelete
The best defense is a good offense?
I'm quite certain we'll hear plenty about how a good trader maneuvered himself to profitability after the fact, but I'd much rather try to prepare my mindset in advance instead of being slapped on top of being blind sided...
My hands are a little tied right now. I had to transfer $150K into my business account earlier this week. Probably get it back from the clients middle of next week.ReplyDelete
Income tax regarding trading gains?ReplyDelete
What's left to take the market down? I can't think of anything. Foreclosure-gate was bought. Post QE2 'sell the news' was bought. Ireland was bought. FBI investigations of insider activity was bought. N Korea was bought.ReplyDelete
I think we get more good news about unemployment, retail sales, home prices, and earnings over the next few months. By the time J6P starts to worry about missing the next bull, we'll be at 1300, and it may be time to take partial profits.
- teamonfuegoNovember 24, 2010 at 5:48 PM
2nd - The crowd mentality tends to keep things out of favor for longer than expected, which makes you doubt your contrarian position and exit at just the wrong time: when the crowd mentality swings in favor of those it hated. I suspect that will happen with BAC/CSCO/INTC (although I still feel like tech in general is a more difficult trade because technology changes so quickly and can catch these big guys off guard...I'd rather stick with the businesses that will go on through thick and thin) at some point relatively soon. People can only drive up the Netflix's so high (speaking of which, $10 Billion market cap for a movie delivery company...craziness in my mind).ReplyDelete
When you get a chance, check out IBKC...I would highly recommend it. They have been a major beneficiary of the FDIC assisted bank closings. They've more than doubled assets in the past 2 years. Earnings will explode over the next 5 years as (a) loan losses diminish and (b) interest income rises with rising rates. They are very conservatively managed (CEO refused to take TARP and when it was forced to it was the first company to pay it back), they pay a 3% dividend and they are very undervalued (1 x Book value vs other stable regionals trading at 2 x Book Value). I think this stock could go up 8 fold in the next 10 years and an investment today could yield 25% through rising dividends. Assets have almost quadrupled since 12/31/05.
Yeah, the open today was crazy. Buying hand over fist.ReplyDelete
tof- IBKC looks good! The only drawback is the relatively low volume- but if I'm not day trading, it's not an issue. How long have you been following, and what brought the company to your attention?ReplyDelete
"Gloom, anger spreads as European economies teeter"ReplyDelete
Austerity is really working it's charm now, good thing they don't have Bernanke or Geithner to complain about like "Americans" do.
Ha, the Bank Of Mark! Sounds like a little bit of flexibility to help grease the skids.
Yes, EOY action as traders prepare their portfolios for sending portions of gains(losses) to Evil Dr. Geithner. December wasn't such a good month last year, supposedly in order to book losses, as best I can remember.
My current plan basically entails buying "weakness" (which in actuality translates to a huge downside "surplise!").
CADC - Now I'm thinking this might not fall much more... Famous last words.ReplyDelete
CP- Got it. I actually think that's why we are seeing so much insider selling. I would put these in the longer term, large position category. 15% instead of 40% is then a big deal. I'd do the same thing given the political uncertainty. However, I don't think many others have held over a year given all we've seen this past year.ReplyDelete
Bank Of Mark- Yep, that's the main thing a General Contractor is. I don't think I'll ever actually pocket any "real" cash until 1 year after I die/quite :)
CADC- I still have a few nickles for that one if the spot feels right.ReplyDelete
I was talking with my roofer the other day. He's owed 375K dating back 5 months to present. Lot's of Gov/Sate/County stuff in there.ReplyDelete
Kinda funny story. You all know Patricia does our books. About a year after I started my business I went to an ATM for some cash. Something I never do. I think there was about 300K in the account. I almost shit my pants. I gave her a big hug when she got home and told her how great I thought we were doing. She said check it in 5 days. I actually did. That balance was 18K.
Gotts go play with poochie, he wants my attention, squawk at ya'll later!ReplyDelete
Ha, yeah, I'm still waiting for the last personal loan I made to the tune of $30k to come back, it has begun to trickle back but only after a lot of arm twisting.ReplyDelete
Gotta go, this little fella needs hugs...
Port, my main man....Trading today in UNG was very strange. Now I see NG futes are up. Contract roll today? What did I miss working today funding my clients?ReplyDelete
Who wants to bet this holiday the TSA handles more packages than the US mail, UPS and FED-EX combined?ReplyDelete
Ford expansion in China - For my first attempt at imprinting Ford into the Chinese culture, I'd show detailed footage of the early production lines with inventor Henry Ford, I'm sure the Chinese people would immediately identify with these images and concept.ReplyDelete
RE: IBKC. "Earnings will explode over the next 5 years as (a) loan losses diminish and (b) interest income rises with rising rates."ReplyDelete
Unless, of course, the market will SLOWLY come to grips with implications of the state budgets (which will require raising taxes to fill the budget holes), just like it was coming to grips with the subprime crisis VERY SLOWLY since 2006 (there was even a "fools rally" in 2007 after Bernanke started lowering rates)
"(there was even a "fools rally" in 2007 after Bernanke started lowering rates)"ReplyDelete
Yes, unfortunately Bernanke raised rates prior to lowering them, which increased mortgage payments for a large segment of the housing market just as ARM's had become profligate.
I often wonder about this move in the sense Ben may have pulled on the rug just a bit too hard, but I suppose imbalances required correction sooner rather than later.
finviz - Questionable data? Hmm, there may be something fishy with recent finviz data, not sure how much of it can be trusted. According to the GMO statistics, insiders have sold 97% of their position over the last 6 months but a quick glance at filings from EDGAR doesn't support this figure at all.ReplyDelete
GMO- Bad data from finviz.ReplyDelete
Everyone have a great day today. Off to run the girls a little at the soccer field. Don't worry. I have my chair and whistle :)
- teamonfuegoNovember 25, 2010 at 11:14 AM
2nd- back on cc's blog about 15 months ago I was posting abt how some of these banks involved in the fdic closures would become giant regionals...I came across ibkc then...been keeping it on my radar ever since. Based on earnings its not that cheap but its underappreciated. One of my friends and I followed every single fdic deal for 6 months and put together a huge spreadsheet on all of the deals and ibkc was by far the biggest beneficiaryReplyDelete
TOF - In that case, I wonder if GBCI made it on your list, of if it might qualify? I've been watching this one for a couple monyhs now and feel pretty comfortable with it as far as financials are concerned..ReplyDelete
Neat Gartman Video...ReplyDelete
ONP - Still moving back up.ReplyDelete
DNN on the move up as wellReplyDelete
CADC - I'm looking for a close today better than $4.12ReplyDelete
DLM - Looks like rumors preceded the reality?ReplyDelete
Although I know and realize any situation involving the lunatic ruling North Korea is serious, I'm reasonably convinced this too shall pass.
Wonder if some day soon China doesn't just take permanent control of that situation?
Austerity isn't too good for metallic money apparently, I should be shorting silver to $20.ReplyDelete
PKX - Putting this Korean steel producer (20% owner of GMO's Mt. Hope project) back on the watch list, target ~$90?ReplyDelete
"Stainless Steel Demand in Asia to Climb as Posco Seeks to Cut Nickel Usage
By Sungwoo Park - 11/26/10
Posco, the world's second-biggest maker of stainless steel, expects demand from plant builders and automakers in Asia to climb next year. The company is also seeking to cut its use of nickel because of volatile prices.
"As the economy recovers, we expect a better market environment and improvement in profitability next year," Suh Young Sea, a senior vice president of the Pohang, South Korea- based mill, said in an interview. Output this year may rise to about 1.8 million metric tons from about 1.4 million tons last year, he said. He didn't give a 2011 forecast.
Construction of petrochemical and seawater desalination plants will increase demand for stainless steel, Posco said. Global production may grow to 32.7 million tons next year, from an estimated 31.2 million tons this year, according to Alloy Metals & Steel Market Research. "
Wonder why gold isn't moving up with the dollar this time around the European bailout mulberry bush?ReplyDelete
Take note that equities and the U$D aren't moving up together. Not that they can't or won't b/c they will and should, but that comes at a much later stage in economic recovery.ReplyDelete
If you have a paypal account, you may have at some point purchased or subscribed to a service without realizing and not known about it. Anyway, one should be aware of the potential. Any questions, read this:ReplyDelete
"David Einhorn Speaks" : tinyurl.com/23wynmgReplyDelete
He is the hedge fund mngr who did a bearish expose on JOE. Knocked it down and explains why.
Wont touch a HB&B, plus gold is good/money. Audio interview.


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I must have read the article wrong. In the Guardian today, a think tank report published by the Centre for Policy Studies is recommending that there should be a single agency responsible for dealing with all benefit claims, and that one application should be enough to cover them all.
Have I read it right? It seems to make sense to me, although it's another case of the government, or their QUANGOs, or whoever these people are, saying what ordinary people have been thinking for years. For instance, in order to renew my tax credits claim, why do I need to phone up a government agency to tell them how much my husband and I have earned over the past year? They know already because they taxed us and charged us national insurance on it. Surely I should only need to contact them if family circumstances have changed – more babies, husband left home, new husband moved in?! I much preferred the old system whereby they changed our tax codes to reflect a benefit awarded for families – at least I knew whether I was coming or going with that one.
Also, one form for all benefits would erase the government's so called 'concern' that some people are not claiming everything that they're entitled to. The article says that there are more than fifty benefits available, so it would be extremely difficult for most people to easily work out what, if anything, they are entitled to. Also, as the article also points out, many must be at a loss to work out whether there is any point in trying to get more work, in terms of how much the benefits decrease.
Anyway, I'm finishing now, otherwise this will degenerate into a rant about the tax credits system and its incomprehensibility, as well as inefficiency and lack of giving a damn, claiming back already paid benefits if you get work half way through the tax year when you were in real need at the beginning of the year…see, you started me off!
Filed under: In the news... | Tagged: benefits, claim, government, In the news..., life, news, opinion, thoughts | 3 Comments »

subset: commoncrawl


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About Us
Safety Surfacing Specialists
Abacus Playgrounds are the UK's largest installer of safety surfacing, working with many local authorities, play equipment manufacturers, schools, nurseries and building contractors throughout the country. We pride ourselves on the quality of our work and this has resulted in clients coming back to us again and again. We believe in providing quality installations using only the best materials for a competitive price. All installations are carried out by our own teams of CRB checked employees for your peace of mind.
In other words we work with you to fulfill your needs at every level making the process easy, with delivery of service on time every time.
Peace of Mind
Our contract managers and sales team will always encourage a full site survey prior to submitting a price, ensuring all aspects of a contract are considered and therefore ensuring budgets are met.
All of our highly experienced installers are CRB checked and directly employed by Abacus. We maintain memberships with governing bodies to ensure that we remain aware of all new and upcoming legislation. We view safety as our priority.
Environmentally Friendly
By using this recycled product we are limiting the amount of virgin resources used in the process and also alleviating the problem of mounting rubber tyre waste.
We maintain memberships with governing bodies to ensure that we remain aware of all new and upcoming legislation. Abacus Playgrounds view safety as our priority.
Matt Mockridge – Cumnor House, Sussex
Just wanted to say that not only does the work look fantastic – we'll really know on Monday how the children treat it – but the three guys who did the work were also fantastic and very accommodating. They worked around us and did the jobs perfectly. Many thanks to you and your team.
Judy White – Rosehill Nursery, Surrey
I should like to thank Abacus for an excellent job on the reconstruction of our nursery outside play area. All the men worked very hard and were helpful and polite. The children are delighted with the surface, especially the path running around the outside. I should also like to say that it was your helpful attitude at the beginning that made me put you down as my preferred contractor. Your quote was also the least expensive, but this did not influence my decision to use you. I would highly recommend your business.
Alex Mitton – Rascals Day Nursery, Ulverston
Rascals would like to thank Abacus for supplying a safe, practical and very colourful play area for our Babies and Tots.
All Rascals needs were taken into consideration at the planning stage which enabled the project to be completed at the weekend with the minimum of disruption. Staff, parents and children love it.
Peter Cross – Woodsetton School, Dudley
Delighted to come into school this morning to find the job completed and the playgrounds ready to use. The wetpour looks great & I'm looking forward to going out at playtime with the children! I would be happy to recommend your services and let anyone come & have a look or talk to me.
Rick Goodson – Primary Landscapes
I have engaged the services of Abacus Playgrounds for the last 15 years – and over that period of time the integrity, enthusiasm and professionalism has never wavered. All safety surfacing that I have engaged Abacus to carry out have been of the highest standard – the Abacus staff have always been courteous to my clients.
At Abacus we offer expert advice coupled with an efficient service. What sets us apart from the competition due to our strong position within the industry is an ability to offer top quality installations at competitive prices. Also we pride ourselves on our ability to get out and help when contracts are in design/development stage and guide our clients through to successful completion of projects. We firmly believe that what we do reflects on you the customer, with that in mind we take every job, no matter how small, very seriously and are very proud of what we do."Bill Worthington,


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The world's top junior surfers are getting ready for the new format of the ASP World Junior Title Series. The three-event will crown the best youngsters surfing waves in Bali, Rio de Janeiro and Sydney.
"The ASP World Junior Title underwent a major shift last year when we added an extra event to the long-established and hotly-contested Billabong ASP World Junior Championships," says Brodie Carr, ASP International CEO.
"The addition of a third event to the series this year provides a more elite and comprehensive vetting process in determining the world's best junior surfers. This is a title that has been held by the best surfers in the world and is the most respected and sought-after accolade in junior surfing."
In the Women's division, five out of six past ASP World Junior champions have qualified for the ASP Women's World Tour, while reigning ASP Women's World Junior Champion Alizee Arnaud, 21, is currently campaigning to qualify for next year's elite ASP Top 17.
The men's ASP World Junior title has been held by the likes of current ASP World No. 1 Adriano de Souza, 24, winner of the 2011 Rip Curl Pro Bells Beach Joel Parkinson, 30, 2010 ASP World Runner-Up Jordy Smith, 23, and the late three-time ASP World Champion Andy Irons, 32, amongst others.
Reigning ASP World Junior Champion Jack Freestone, 19, aided by his preferred seeding, is concentrating his efforts on the ASP Star and Prime series this season in an attempt to qualify for the prestigious ASP Top 34.
In addition to the long-standing Billabong ASP World Junior Championships held just after the New Year in Sydney, Australia, 2010 saw the addition of the Oakley ASP World Junior event at the high-performance righthander of Keramas in Bali and this season will see the third event, the Arnette ASP World Junior, ran in Rio de Janeiro, Brazil from October 24 through November 2, 2011.
2011 ASP World Junior Title | Schedule
Oakley ASP World Junior – Bali, Indonesia (October 3 – 14, 2011)
Arnette ASP World Junior – Rio de Janeiro, Brazil (October 24 – November 2, 2011)
Billabong ASP World Junior Championships – Sydney, Australia (Early January, 2012)


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James V
Active Member
- Feb 26, 2017
- 385
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- 26
Still having issues with the new alternator install. The alternator is not charging the battery and when we turned on the car no battery light came on. What does this mean?
I was checking it with a voltage reader. So I ended up finding out that the gauge cluster is faulty. Where the battery light is hooked up to it isn't working. Once I moved the wire for the battery light around and got the light to come on, the alternator started charging. So I'm assuming that information from the cluster needs to be relayed to the engineHow are you testing the alt?
Check the wires for discoloration and check your grounds.
Check the bulb, or in my case on the back of the cluster the wire leading to the amp light was cut, I had to add wire to it.this is a problem im having. i do not see an amp light when turning the ignition on.
Alternator troubleshooting for 86-93 5.0 Mustangs:Still having issues with the new alternator install. The alternator is not charging the battery and when we turned on the car no battery light came on. What does this mean?
i have no alt lamp when ignition on and no 12 volts to the lt grn/red wire. replaced alt cluster lamp, still doesnt light up. what wires do i look for to trace it back to the alternator?Engine off, ignition on, battery fully charged
1.) The alternator warning light should glow. No glow, bulb has burned out or there is a break or bad connection in the wiring between the regulator plug and the instrument cluster. The warning light supplies an exciter voltage that tells the regulator to turn on. There is a 500 Ω resistor in parallel with the warning light so that if the bulb burns out, the regulator still gets the exciter voltage.
Disconnect the D connector with the 3 wires (yellow/white, white/black and green/red) from the voltage regulator.
Measure the voltage on the Lt green/red wire. It should be 12 volts. No 12 volts and the wire is broken, or the 500 ohm resistor and dash indicator lamp are bad. If the 12 volts is missing, replace the warning lamp. If after replacing the warning lamp, the test fails again, the wiring between the warning lamp and the alternator is faulty. The warning lamp circuit is part of the instrument panel and contains some connectors that may cause problems.
You may have a bad wire or bad connection between the D shaded plug green/red wire on the alternator and the green/red wire on the instrument cluster. Use your ohmmeter to check the connectivity; you should see less than 1.5 Ω.i have no alt lamp when ignition on and no 12 volts to the lt grn/red wire. replaced alt cluster lamp, still doesnt light up. what wires do i look for to trace it back to the alternator?
If you own a Mustang, a good analog Multimeter or DMM (Digital Multi Meter )is a must have item.would swapping out the cluster gauge with a known working one be an option?
l'll have to see about grabbing an ohm meter to check connectivity.
This ones from 2017 lol. It just got revived.This is probably the 3rd ot 4th thread this month regarding an alternator not charging due to not receiving the "turn on" signal from the gauge cluster.
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Premium advisory services
Because a digital identity & access management has a wide impact in terms of branding, user experience, corporate security and privacy compliance, experience has shown that a key success factor is engagement of many stakeholders early on. This includes the web development teams, the IT teams dealing with master data and back office applications, branding specialists, customer segmentation specialists, and legal and security officers.
Obtaining buy-in
We orchestrate and lead work sessions to define the integration strategy and to obtain decisions on some strategic choices. And because we know what needs to be decided and how we can obtain solid decisions, our advisory services are packaged as 'managed services'. This offers you predictability in timing and superb quality of the deliverables.
Typical topics are:
- refine the agreed upon goals, functional needs and constraints
- positiondigital identity & access management within the overall IT and web landscape
- determine how to resolve back-end dependencies, such as with behavioural tracking and databases with favourites, preferences, consumer history etc.
- determine the type of rules and combination of rules to be applied
- make choices relative to single sign-on experience
- determine any data shielding rules to be applied
- refine the user journeys
- establish the graphical design and style of the user interface.
We also do what we preach: we not only design and architect, we also Build and Run your digital access solution.


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IN-SITU is a young, energetic and an evolving Design studio that derives its passion for design from nature's brilliance of simplicity.
Company Overview
We are an Architecture and Interior Design firm based in Bangalore founded by Madhavi and Lavina in April 2008 and later joined by Shamli and Shubha. At In-situ we believe that process of designing and building spaces, involves inspirational ideas, technical knowledge and creative simplicity. It is of paramount importance to us that we strategically exploit the competitive resources of our studio in relation to the needs and aspirations of our clients. Right from discussions with our clients, to model building, CAD visualisation, final documentations and being there to ensure the transformation of paper and ink to long lasting and inspiring spaces In– Situ (on site). Our combined skills in architecture and interior design together with our resources, meticulous detailing and technical craftsmanship enable us to translate ideas into reality.
Lavina Taur – Founder & Partner
She completed her Bachelor of Architecture, RV College of Engineering, Bangalore. During her 6 years in the field she has been senior architect with Khosla Associates for 3 years where she worked on several architecture and interior projects. She specialises in architecture and interiors of residences, retail showrooms, hotels and resorts.
Shamli Sakhare – Partner
She completed her Bachelor of Architecture, JJ School of Architecture, Mumbai. During her 8 years in the field she has been senior architect with Kapil Bhalla for 2.5 years and with Sandeep Khosla for 2.5 years where she worked on several architecture and interior projects. She also did Architectural consulting with Ratan Batliboi.


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557 members773 Comments 11 Likes
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Started Sep 14, 2011 0 Replies 0 Likes
I was just interviewed by my local paper, the Park Record!http://m.parkrecord.com/park/article/Ym4mLsXDI'll just sit back and wait for the…Continue
Started this discussion. Last reply by dB Talent Sep 29, 2011. 10 Replies 0 Likes
Ok, here is my problem. From the moment I open Pro Tools 8.0.3, there is a loud crackling and popping in the headphones. When I hit record, it registers on the track, making recording impossible. I…Continue


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Putnam County Parks and Recreation brings unique play and fitness opportunities to Valley Park in Hurricane, West Virginia. The fitness area includes a GT Challenge Course Pro 3000 with timed obstacle course events, turf and a 40 yard dash.
The play space is set up like a wheel cog or sundial. At the center, you will find an Omni TriNet on poured-in-place safety surfacing as the focal point. The four surrounding areas are divided up nicely into a 2-5 play area, 5-12 play area, a sensory play area and swings.
The 2-5 play area includes a GT Powerscape play structure, GT Jams Beat Club, Discovery Cave and Expression swings. The 5-12 play area includes a fully ramped accessible GT Powerscape/Ionix Hybrid play structure with lots of fun and challenging climbing activities and Mini Sky Runner. The sensory area includes the GT Sensory Wave with adaptive switch technology, Merry-Go-ALL, melody chimes, cantana chimes and concert trio from Freenotes Harmony outdoor musical instruments. The fourth and final play area includes swings with belt, tot and both 2-5 and 5-12 Zero G adaptive seats.
Three of the play areas include unique GameTime ShadowPlay® pieces. ShadowPlay® gives the playground another element while adding color, interest and fun. Those areas are completed with engineered wood fiber safety surfacing, surrounding walkways, site furnishings and shade. Valley Park has been designated as a Playcore National Demonstration Site for both 7 Principles of Inclusive Playground Design and PlayOn! Promoting Physical Activity.
To view more images of this project from our Flickr Gallery click here.


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The #1 Site for Card Tricks
on the Internet
Mental Mystery
Effect: A card is drawn from the deck at
random. The spectator holds the card to his chest and the
magician reads his mind and tells him what it is.
Card Trick: The deck is shuffled by the
spectator. You riffle shuffle the deck noting the bottom card
in your right hand. when you riffle shuffle the deck start
with the right hand first which will put the card that you
just looked at on the bottom. Do a false over-hand shuffle
dropping off the bottom card last bringing it to the top. hold
the deck in dealing fashion in the left hand, and with the
left thumb riffle the upper left corner of the deck and have
the person say stop. here comes the slight pain in the @$$
from where they said stop bend the top half of the deck up 90'
so the cards form a v. when you take the top half up to hand
the bottom to the spectator you hold your finger on the top so
you drag off the top card (the one you should still remember
from the beginning) turn your body to the right when you do
this. now tell the spectator to take the top card on the
bottom half and then tell them what it is!!
[Return to Hard Card Trick Index]
Web design by BWH Ventures,


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Please call us for pricing: 818-597-7800
Add extra seating to any room with a modestly sized accent chair that packs a big punch of style. A geometric shape with exceptionally clean-cut lines gets a little extra pizzazz from scooped arms and a highlighting border of welt cords. Customize this distinctive piece by upgrading to a blended down seat cushion or customizing the body fabric and trim to your heart's content. Chair available as a swivel chair or swivel glider.
The Phoebe Contemporary Swivel Chair by Sam Moore at Reeds Furniture in the Los Angeles, Thousand Oaks, Simi Valley, Agoura Hills, Oxnard, Calabassas, Malibu, California area. Product availability may vary. Contact us for the most current availability on this product.
Browse other items in the Phoebe collection from Reeds Furniture in the Los Angeles, Thousand Oaks, Simi Valley, Agoura Hills, Oxnard, Calabassas, Malibu, California area.
This item has been tagged as: Rocker, Rocking Chair, Nursery Furniture, Nursery Rocking Chair, Glider, Nursery Glider, Glider Chair, Glider Rocker, Glider Rocking Chair, Glider Rocking Chair, Childrens Room Rocking Chair, Chair and a Half, Chair and a Half Recliner, Chair and a Half Sleeper, Chair and a Half with Ottoman, Big Chair, Oversized Chair, Chair and Ottoman, Ottoman Chair, Chair and Ottoman Set, Accent Chair, Chaise, Chaise Lounge, Small Chaise, Chaise Lounge Chair, Custom Chaise Lounge, Chaise Lounger, Double Chair, Exposed Wood Chair, Accent Chair with Wood Arms or Legs, Exposed Wood Seating, Exposed Wood Pieces, Wing Chair, Wingback Chair, Queen Anne Chair, Easy Chair, Fireplace Chair, Daybed
Nothing on this page may be copied or reproduced without explicit permission.


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Buon Natale, coffs harbour, Happy Christmas, Hawaii, italy, Merry Christmas, NSW, Photography, Qld, Singapore, travel
I am incredibly grateful to you for all your support and comments in 2014.
I had a fantastic 2014 and now look forward to an even better 2015 with new travels, old friends and new friends.
My year was fabulous with several trips, Including 7 amazing weeks in Italy, 4 exciting days in Singapore, 2 fun weeks in South Australia, 10 perfect days in Hawaii plus many trips to the Sunshine Coast of Queensland and also to Coffs Harbour in NSW
I wish you all
A Merry Christmas and a very happy 2015
Auguri per un Felice e Sereno Buon Natale
e per un Fantastico Anno Nuovo!!!


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Beginning in 2012, old-fashioned light bulbs will be phased-out and replaced with those super-expensive "energy-efficient" bulbs. Unfortunately, while the eco-statists in Congress were salivating over compact fluorescent bulbs (CFLs) that resemble soft-serve ice cream cones, they neglected to consider the harmful effects the soon-to-be-government mandated bulbs pose to the public and environment.
"Critics of CFLs argue that exposure to mercury vapor is dangerous if the bulbs are broken, and others complained about CFL bulbs causing migraines and epilepsy attacks, resulting in medical groups asking for exemptions for those with health problems," report Kelsey Huber and Nicholas D. Loris for Human Events. "They also point out that CFLs do not work well in colder temperatures nor do they work with dimmer switches."
These problems and a handful more were not foreseen by Congress when they were being wooed by CFL manufacturers and their lobbyists write Huber and Loris. "That's why lawmakers shouldn't be telling people what lights to use in their homes," they say.
The reason why Congress is banning traditional incandescent light bulbs is "simple" say Huber and Loris citing economist Don Bourdreaux's take on the issue:
Any legislation forcing Americans to switch from using one type of bulb to another is inevitably the product of a horrid mix of interest-group politics with reckless symbolism designed to placate an electorate that increasingly believes that the sky is falling.
Based on Boudreaux's observation, Huber and Loris summize that Congress moved ahead with the ban under the guise of reducing carbon dioxide emissions and that paved the way for CFL manufacturers and their lobbyists to take advantage of another 'crisis' so they could "force consumers to use their more expensive products."
Gone will be jobs for those who once manufactured incandescent bulbs, as well as the companies that haven't embraced the 'change' promised by CFL light bulbs. It is still within Congress' power to reverse the upcoming ban on traditional light bulbs, and they'd be wise to consider that few consumers purchase the costly CFLs without rebates or other government incentives.
Huber and Loris conclude that it's up to American citizens to make their voices heard now before they're left out in the dark:
Demand for cheap incandescents is not going to change because of legislation, so the only option left to environmentalists is to remove the incandescent light bulb from the market altogether and make it impossible for consumers to light their houses inexpensively. CFLs may have a role in the marketplace, but we should let the consumer decide what that role should be.
This is one example of the absurdity of federal regulations and highlights how bureaucrats pointlessly try to change human behavior. The regulatory burden grew tremendously during President George W. Bush's tenure and is only getting worse under President Obama's. It is a trend that restricts freedom and choice in the marketplace and costs taxpayers billions of dollars. It is a trend that the government should reverse.


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Portugal and United States battled to a hard-fought draw, with goalkeeping antics at either end contributing to an entertaining affair.
Ethan Horvath's woeful error took the shine off a promising United States display as they earned a 1-1 draw against European champions Portugal in Leiria.
Interim USA coach Dave Sarachan assembled a makeshift squad for the clash, with previous boss Bruce Arena having departed following his side's failure to reach the World Cup with a shock defeat to Trinidad and Tobago last month.
The visitors – facing a similarly experimental Portugal team – performed better than many would have expected as 19-year-old Weston McKennie, making his senior international bow, secured a deserved lead.
However, it was an advantage that lasted just 10 minutes thanks to Horvath's moment of misery. The Club Brugge goalkeeper spectacularly failed to gather Vitorino Antunes' cross, instead poorly helping the ball into the net for a 31st-minute equaliser to hand Portugal a route back into the game.
Portugal indeed improved from that point onwards but, without talisman Cristiano Ronaldo, lacked the cutting edge to punish further mistakes.
Sarachan's side likewise could not capitalise on a second-half rally – McKennie hitting the woodwork with their best effort – but both teams will hope to reap the benefits of testing fringe men on the international stage.
A small step forward. Strong showing from the #USMNT in its 2017 finale. pic.twitter.com/i6lqpnikjI
— U.S. Soccer (@ussoccer) November 14, 2017
Portugal were dealt an early blow when stand-in captain Pepe went off with an apparent foot injury and the visitors – boosted by the enthusiasm of teenage debutants Tyler Adams and McKennie – made an energetic start.
McKennie's big moment arrived in the 21st minute. The Schalke midfielder collected a pass on the left of the penalty area and danced inside a back-tracking Ricardo Ferreira before wrong-footing Beto with a smart finish.
However, the hard work was undone by a comical error from Horvath, who allowed Antunes' driven cross to slip through both his hands and legs to improbably find the bottom-left corner.
Horvath recovered well to hold a testing Manuel Fernandes strike, but another mistake followed and he was fortunate to save Danilo's effort after gifting possession to the midfielder 25 yards from goal.
United States retained an attacking threat, though, and John Brooks saw a headed effort harshly ruled out for an alleged foul from a corner.
Adams almost joined McKennie on the scoresheet early in the second half, but Beto brilliantly clawed away a back-post header and was then alert again to block Eric Lichaj's powerful shot.
McKennie nodded against the crossbar from the consequent corner, before Goncalo Paciencia thumped the woodwork at the other end with Horvath's half-time replacement Bill Hamid well beaten.
Substitute Cameron Carter-Vickers appeared set to restore United States' lead as he controlled inside the six-yard box, but Beto's unorthodox volleyed clearance – his high studs only just missing the opponent – kept the scores level.
Unconvincing goalkeepers having been the theme of the day, Hamid then spilled Antunes' effort before reclaiming the ball just in front of the goal line to ensure his side returned home with a creditable draw.


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A single photo posted last year hooked me. It showed Arolyn Williams as Cinderella, and Christopher Ruud and Easton Smith has her wickedly comical stepsisters. A photo is worth a thousand words, but the only four words it spoke to me were, "Get Thee to Cinderella!"
When the CW Network announced that it would be adding Breaking Pointe to its summer line up, I was excited on multiple levels. I was thrilled to learn that Ballet West would be airing on a popular network, which would hopefully put not only a magnifying glass on Ballet West but on the Performing Arts in general.
Moss said, "This orchestration utilizes the authentic instruments. There are 62 members of the orchestra and they, along with a full complement of percussive instruments, two pianos and a celesta, fill the entire orchestra pit. It's great fun to play! It's a machine that just doesn't stop til you reach the end."
July 4th – it's a nationwide party. It's the one day of the year where families across America put on their party hats, fire up the grills, slap on mosquito repellent, and watch fireworks displays from small-town parks to the National Mall in DC. It's the day we celebrate our independence. It's America's birthday.
A single photo posted last year hooked me. It showed Arolyn Williams as Cinderella, and Christopher Ruud and Easton Smith has her wickedly comical stepsisters. A photo is worth a thousand words, but the only four words it spoke to me were, "Get Thee to Cinderella!"
When it comes to season openers, you'll be hard pressed to find anything that comes even remotely close to the excitement and energy of Ballet West's Dracula!
Some people think that going to the ballet really sucks! But in the case of Ben Stevenson's highly acclaimed Dracula, that was pretty much the point. Ballet West's 2011-12 season opener invited Salt Lake City right into Dracula's lair, and what we experienced took our breath away!
As the curtain raised for Ballet West's Serenade, the first sound I heard was my own as I caught my breath. And I wasn't the only one. In unison, the audience inhaled a silent 'ahh', which was immediately followed by applause.
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- Utah Symphony's 'Meet the Musician' with Conductor David Cho
- Lyceum Music Festival Raises Bar on Music Camp in Park City, Utah


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About the Book
Medical Myths and Health Lies that Are Killing Us
Don't confuse science with medicine, as they are very different things.
When you read this book, you will realise that you have been lied to and deceived by organisations that claim they are looking after your best interests. These organisations include the drug and food companies with billions of dollars worth of vested interests in selling products, or the media, public advocacy groups and foundations funded by these big companies and even governments who give in to pressure from large, rich and influential lobbying groups.
Since we began following the advice of these organisations, we have been getting sicker and sicker, which has cost us dearly and caused a great deal of needless suffering. We take more prescribed drugs than at any time in history and have higher disease-related death rates than ever before. When there are large sums of money involved, corruption occurs at all levels.
In this book you will find a good dose of common sense and wisdom backed up by nearly a thousand scientific references. Amongst many things you will learn is why top-selling drugs to lower cholesterol or depression—as well as margarine, milk and nutritional advice from the government during the past 40 years—are not good for you and why cholesterol, animal fat, butter and salt are not bad for you. You will discover why supplementation and questioning all the information you get is good for you.
Finally you will understand why it is so hard to get correct and honest information including, as a stunning example of this, Dr Dingle's own personal story of persecution for telling the truth.
Copyright Peter Dingle PhD 2014
212 Pages


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One of the biggest benefits of traditional publishing, I have found, is promotion. While I have had some modicum of success promoting my work as a self-publisher, there is only so far I can go on a fixed and meager budget.
|Also having a professional art department
design your cover is a pretty nice perk, too.
Venture, though, was able to do quite a bit for me in that department: they gave the book a free give-away, then kept it at a reduced price for a few weeks to drum up word of mouth. They then blasted the Twitter-sphere with seemingly nonstop tweets directing readers to my page on Amazon, and encouraged all who downloaded the book to write a review.
Now as we have said many times in this group, reviews are the most important thing a reader can do for a writer. Yes, just as (if not more) important than actually buying the book. That's why we have free and reduced give-aways periodically. Your review literally helps us get our books seen by others, especially on sites like Amazon and Barnes & Noble.
|But we also really dig it when you buy our books, so keep doing that, too.
And Venture Press did me proud, I have to say. While the first volume of Guns of the Waste Land had languished around nine reviews for a couple of years, within weeks of Venture's promotion push, I had garnered a whopping 61 reviews and they are still trickling in.
Most of them have been positive reviews, and I am glad. I'm certainly glad to read them and feel good about my abilities as a writer. However, there have been quite a few negative reviews as well, and that's what I want to talk about today.
That being said, though, negative reviews can be hard to take, regardless of how much they are outweighed by the sheer number of positive reviews. Ernest Hemingway once slapped a critic in the face with a book because of a bad review. Isaac Asimov claims that writers fall into one of two groups: "Those who bleed copiously and visibly at any bad review, and those who bleed copiously and secretly at any bad review." I tend fall into the latter category.
Many authors opt not to read their reviews at all or at least to avoid the bad ones, lest the experience sink them so far into the morass of self-doubt and despair that they never pick up the pen again. However, I think that most of us can't help ourselves and, like trying not to look at a a car wreck, we cannot stop ourselves from taking a peek.
This article is for those folks, my people. The writers who work a bad review like a mouth ulcer or a bug bite scratched until sepsis sets in. Even though we know we will regret it, we read the critique and worry over it for days.
Well I am here to help. If you're going to read the negative review, you may as well understand them. Bad reviews fall into three categories and you need to know how to handle each of them.
The Good
Believe it or not some negative reviews can actually be a good thing. Statistically speaking, having a some one- or two-star reviews actually helps your sales. If everything is four- or five-stars, a reader might be dubious, and suspect the reviews are from friends, family, or others who have a vested interest in making a sub-par work seem fantastic. Not every reader is going to love your work because not every reader's interests are your interests. Having a few negative reviews, then, gives a reader a more well-rounded view of a works strengths and weaknesses.
As a writer, honest, well-thought out reviews can help you in your craft as well. If something doesn't work for a reader, and more importantly doesn't work for several readers, it may be something that you need to tweak for your next project (or in the case of self-publishing/print-on-demand, something you may consider for updating the files).
Take for example the following negative reviews of Guns of the Waste Land:
Or take this one:
These types of reviews give you food for thought, so the best thing to do is consider the ideas presented and decide for yourself how much of them to internalize.
Unfortunately, not all reviews are as helpful as these.
The Bad
Some reviews attempt to be constructive, but they just kind of aren't:
And the truth of the matter is the book probably isn't their cup of tea, and they don't know why, and that is perfectly okay.
Sometimes they know exactly why it's not their cup of tea:
|Though, to be honest, I do not recall blaspheming the name of Jesus at any point in the book.
Or these folks, who apparently take issue with the fact that the book is the first in a series:
Even, here though, the readers did not realize the whole purpose of the book is to set up a series. They clearly did not want to invest in a series, and that is perfectly fine.
There is nothing you can do as an author to improve your work with these types of reviews, so the best thing to do is to ignore them and keep writing.
And then we have...
The Ugly
These can be just be hurtful reviews whose main aim is to ridicule the author for not living up to the reviewers admittedly vague idea of what good writing is. They differ from the previous two reviews in that they often include hurtful language whose only goal is to make sure the offending party never dares to pick up a pen again:
These reviews have no real aim other than to shame the writer for deigning to enter a realm the reviewer still hasn't had the guts to enter themselves. They want to make the author feel as bad about about him/herself as the reviewer feels about his/her own life decisions.
The best thing to do with these reviews is to ignore them. Or remember that both The Adventures of Huckleberry Finn and The Great Gatsby have their fair share of crappy, hurtful reviews, too.
Others just make no sense at all. They are pure word salad, as if someone gave Sarah Palin speed, set her in front of a keyboard and said "Go to town!"
I hope this has been helpful because it has amused the Dickens out of me.


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Peak Claims has experience dealing with railroad liability and rail cargo.
Our professional experience with railroad liability is growing. Currently our experience includes antique/scenic railroad liability and general cargo liability. We have handled related claims in Colorado, Utah, New Mexico, Wyoming, Montana, and throughout the Mountain Time Zone. More information soon…(this page is being updated). Contact us with any question, comments, interests or concerns.


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ok…where to start….guess it would be shortly before christmas 2015, when my father asked me what type of phone I had. I told him which phone it was, and he then told me he wanted to know whether it was iphone or android. I told him it was android, and asked why he wanted to know. He lied to me and told me someone he worked with was looking to upgrade their phone, and wanted to know which to get. I didn't think anything more of that.
Then….christmas day 2015, one of my presents is in a rather small box…I unwrap it…and see a black box with some images and writing on it (pebble steel). I then realize why he wanted to know. I thank my father, and look up how to set it up and use it. I charge the watch up, download the pebble app to my phone, download sone watchfaces and a few apps. I'm starting to like this.
The more I use the watch, the more I like it. I could be at work, get a text message or something come through on my phone, and I wouldn't have to get my phone out to see what it is….I just simply glance at my watch (which looks perfectly normal to customers) (I work for a supermarket on the checkouts). I had a few customers comment on it, asking me if it was an apple watch. I knew a bit more about pebble by then, and I would tell them, no…it's called a pebble…and in my opinion, it's lot better than an apple watch.
Nearly a year later (November 2016), I notice that when my watch refreshes the screen, small artifacts of what was on the screen before will be left behind. I had read up on this..it's called screen tearing…and it's caused by the display connector becoming loose. It's a common issue with the original pebbles, and also the pebble steel..they fixed it in later models though. I could have fixed it myself, but since it was still under warranty, I got in touch with pebble. They asked me to send a few images, showing the screen tearing, and also a picture containing a piece of paper with the case number they gave me on it.
Shortly afterwards I recieved a reply thanking me for sending through the details and images, but that my particular watch was no longer produced. They gave 3 options…a pebble steel in silver, a black pebble time, or a gold pebble time steel.
I already knew that the most expensive option was the time steel, and so opted for that. I also ordered a truffol 2 tone gold band for it.
Shortly before that, I had pre-ordered a pebble time 2 via pebble's website. This was an updated version of the pebble time steel, with a larger screen, and a heart rate monitor built into the back of it. There was also a pebble 2 (basically a cheaper version of the time 2, but with a plastic rather than steel case, and only a monochrome screen).
I kept a close eye on that order status, and it never changed from 'order placed'.
At the start of december 2016, I start noticing rumours, that pebble is to be sold to fitbit. On december 7th this is confirmed with an e-mail from pebble. They also announce that they are ceasing all hardware manufacturing immediately, the pebble time 2 will not ship, and all preorders will be cancelled.
My thought? Damn.
Pebble had a good thing going here, and their ceo (Eric Migicovsky) had decided to sell to a company which would take all his hard work and destroy it.
I noticed that some poeple were starting to make preparations for when the pebble servers go offline (at the end of 2017), and had started seeding torrents containing the entire app store. I downloaded this onto my own dedicated server, and have been seeding it myself ever since.
It was later that fitbit notified us that there would be one last update realeased for the pebble app, which would mean it would not be reliant on the servers anymore.
Earlier, this week, I purchased a pebble 2 from amazon, purely because I know that they will incredibly hard to get hold of eventually. I love this watch….it would be nice if it was a time 2, but I know that will never happen.
The point of this post? Pebble had a good thing going, but they went about advertising it in the wrong way…what they actually needed to do, was to advertise on TV, in shops etc. They didn't do this, and it ended up costing them dearly. I imagine there are some poeple that would not be interested in smart watches, but there would also be sone poeple that would see it, and think…hmmm….that looks cool…I want one.
I'll carry on using my pebble's beyond 2017, and will still enjoy them as much as I do now.
It's just a real shame that pebble failed, and I will dearly miss them, as will many others.


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Farmers Market at GVSUName: Farmers Market at GVSUDate: October 30, 2019Time: 10:00 AM - 1:30 PM EDTWebsite: https://www.gvsu.edu/farmersmarket/Event Description:The Farmers Market at GVSU will delight you with a variety of vendors, freshly prepared lunches available for purchase, cooking demos, special events and performances throughout the summer. With easy access and convenient parking, the GVSU Farmers Market is sure to become a weekly staple in your schedule.
Visit these great vendors: Art's Cut Flowers, Daddy's Dough, Frozen Creek Farms, Full Circle Coffee, Goen's Produce, GVSU Campus Dining, Hudsonville Honey, Lindberg's Blueberries, Post Farms, Mom's Kettle Corn, Mosby's Popcorn, Sall's Farm, SAP, The Great Bread Company,
For more information on scheduled events, visit the website.


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Top 5 Best: Houston Showrooms for Sourcing Fabulous Rugs
There's something about a room without a rug that just feels incomplete. As Walter from the Big Lebowski says – and I 100% agree – "That rug really tied the room together." Rugs truly bring a home to life and you can introduce one into any space from the bathroom to a closet or the kitchen.
We are lucky enough to work with some wonderful rug suppliers and showrooms here in Houston and have rounded up a few of those fabulous folks. Hopefully, you can pay them a visit and see for yourself their impressive stock of rugs in all shapes, colors and sizes – the perfect complement for any home.
Read on to learn more about my five favorite spots in town to find the most fabulous rugs around.
Madison Lily
One of Madison Lily's mantras is "well cared for rugs can last for generations." I couldn't agree more, which is why this is one of my favorite spots to search for a classic or modern rug for our clients! Their Post Oak showroom is chocked full of all kinds of stunning options; we could spend an entire day there – and we have! Our friends at Madison Lily are dedicated to top-notch customer service and also deliver and install all of their products in Houston. They house some of our favorite collections such as the deep, moody colors of the Saule Collection, classic deconstruction of the Elaine Collection, geometric and organic designs of the Atenea Collection and many, many more.
Matt Cameron Rugs & Tapestries
Matt Cameron's selection of antique rugs is unlike one you've ever seen. They know their stuff and have worked with President Barack Obama and the Ritz Carlton! Each of their rugs is created by hand and you can tell. Additionally, their team works diligently to ensure that their rugs are produced ethically, building relationships with hundreds of artisans along the way. From Oushak knots to wool and silk that is hand-dyed and finished, there are so many options to choose from – it's hard for me to walk away with just one!
Stark Carpet
Our friends at Stark Carpet are true experts – and in so many different ways! Not only do they stock an impressive selection of antique options but also custom creations, furniture, wallcoverings, fabrics and so much more. Stark is our go-to for rugs with patterns, and they have something for everyone! Some of my favorites include an intricately woven Moroccan rug that we used to brighten up a living room, a brightly patterned Ikat runner we placed in an entryway, and a traditional Persian option that we styled in a kitchen with hardwood floors to bring some oomph to an otherwise neutral space. The versatility that Stark Carpet brings to the table always inspires the Laura U team and we're so lucky to call them one of our partners!
Postmodern Traditions
If you want to feel like a king or a queen for a day during your rug shopping experience, go see Lisa Slappey and Mehdi Abedi at Postmodern Traditions! Their inventory ranges from contemporary to transitional and everywhere in between, and they are absolutely obsessed with ensuring that their clients get the most personal experience possible when shopping in-store. Whether our clients are going for a subtle aesthetic or looking for something more bold, Postmodern Traditions is the place to find the rug of your dreams! When you work with Lisa and Mehdi, it's truly an experience, and always one that we look forward to!
Creative Flooring
Your home will only be more beautiful – and functional – after you go and see the team at Creative Flooring. We work with them often for all types of projects, big and small, and their rug and tapestries never cease to amaze us. Quality comes first with this group, and you won't be disappointed by their carefully curated selection. We have seen their talents transform homes in an instant, which is why they are always one of the first places we look for a statement piece that will continue to WOW for years to come.
We hope you're feeling just as inspired about finding a new rug of your own as we are! Choosing a rug can be challenging, but by selecting the best rug for your home from a showroom that understands what you are looking for, it is sure to be with you for a lifetime. For more design inspiration, and to see some of our favorite rug choices, follow us on Pinterest and Instagram!


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Company News • 07.01.2015
Wifi vs. Bluetooth vs. BLE vs. NFC for Retail Marketing
Knowing the Difference
When it comes time to vet Wi-Fi, Bluetooth, BLE or NFC technology to monitor your store's retail analytics, where should you begin? All fall in the sphere of location-based services and leverage mobile devices to track and understand your customers from a geospatial place.
Although the four technologies share similarities, each contains unique functionalities that can impact your business.
How do each of these technologies work and how does the data they collect impact your overall understanding of in-store retail analytics?
Wifi: Smartphones are constantly on the hunt for available Wifi networks. Wifi is a passive form of transmission and can project a signal up to 18 meters away, pinging devices within range. Wifi pings at a rate of every 30 seconds and is best used for understanding your store and your interior analytics on a macro level. An added bonus: your store probably already has Wifi technology for your internal business needs. This gives you the opportunity to better understand customer's shopping behavior in and around your store while also providing free Wifi services to your customers as they shop.
Bluetooth: On the contrary, Bluetooth is active and is always searching for your device. It operates within a smaller surface area and pings at a faster rate than Wifi. With Bluetooth you have the ability to track your customer's and their behaviors on a more granular level. This is beneficial if you're interested in seeing something like how many people are walking past your store. To track this type of activity you need technology that runs at a rapid speed that can keep up with moving foot traffic.
BLE: If you are looking for more granular data and information about your shoppers, BLE technology is even more precise than Bluetooth. BLE also gives you the opportunity to engage with customers and target conversions in ways that Wifi and Bluetooth technologies aren't able to. One thing to remember when considering BLE is that to leverage functionality, users need to have an app. Unless everyone entering or passing by your store has it, it doesn't work.
NFC: Near field communication allows you to access more in-depth information about your audiences through elements such as RFID tags. With NFC methods you have incredible accuracy when it comes to payments or product information because the range signals to an area measuring in at less than 8 inches. Like BLE technology, NFC is being used to drive customer engagement.
So which technology reigns supreme? The truth is that in choosing one, you're limiting yourself, instead of leveraging the benefits of each. The question you need to focus on answering: What do you want to do? Before selecting the technology, you need to pinpoint what is most important to your business.
Is your primary goal getting people into your store or converting them once they arrive?
- If you want to know who is walking by your store, pinging devices every 30 seconds won't cut it.
- If you're trying to understand your interior counting numbers on a macro level, you might not be counting on an individual basis to begin with.
- If you want to understand a particular department, you need to narrow the range at which you are transmitting.
The most important factor that you should consider when vetting these technologies: your store's conversion rates. Determining whether you are a high or low conversion retailer can help you understand what information you are looking for and ultimately help you decide which technology is best for you.
You can find ShopperTrak in hall 10, booth C04.
Source: ShopperTrak
ShopperTrakSt John's Court, Easton St, High Wycombe
Buckinghamshire HP11 1JX
more on: pos marketing, marketing planing


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Meet the Dean: Dr. Bryce Bernard at the Corban University School of Business
For Bryce Bernard, Ph.D, Corban University represents more than just a job, it represents a way of life. After attending as a student, Dr. Bernard returned in 1987 to begin what is, to date, a 24-year career with the Christian university. During his tenure, he has served in a number of capacities including Dean of Art and Sciences, Vice President for Academics and Dean of the School of Business. Today, this professor of business instructs students in the MBA Program on subjects such as accounting and nonprofit management.
In addition to its academic excellence, Dr. Bernard was drawn to the school's deep commitment to graduating students who not only have the skills to find success in the professional world but the faith to sustain them as well. As a father, Dr. Bernard has seen all three of his children follow in his footsteps as students at Corban University.
Dr. Bernard shares what made Corban University the right business school for him and his children and why it may be right for students seeking a rigorous, yet rewarding, MBA program.
Q: Can you start by telling us a little about your educational background?
A: I earned my associate degree at Judson Baptist College in Oregon before moving on to Corban University to complete my undergraduate work. After that, I attended the MBA program at Oregon State University. Once I received my master's degree, I attended Nova Southeastern University where I earned a Ph.D. In addition to being a faculty member at Corban University, I am a certified public accountant in the state of Oregon.
Q: What drew you to Corban University?
A: I came back to Corban 24 years ago because I wanted to be part of building a uniquely Christian university. As a person of faith, I strongly believe that we are all called to a higher purpose, and I know that Corban business graduates make a difference in the world for Jesus Christ. As a student, Corban faculty had a great influence on my life and career. I wanted to share that same experience with others. Being a part of the great tradition that is Corban has been a blessing for me.
Q: How does the Corban MBA program differ from other MBA programs?
A: There are three distinctions that I believe set Corban University apart from other MBA programs.
First is our emphasis on biblical learning. The lessons of the Bible are just as relevant today as they were thousands of years ago. We challenge students to think "biblically" and consider biblical principles when using common business models and frameworks for making business decisions. Biblical integration is intentional throughout our program.
Next, our program is practical. Our courses involve case studies and projects that translate easily into the real-world work environment. Our goal is that rather than teaching vague concepts, our students get a practical education that lets them put into practice tomorrow what they learned today.
Finally, the MBA program at Corban University is flexible. Our program is online and allows students to progress through the program at a pace that works around their busy professional and personal lives. All courses are five weeks in length allowing students to enroll in up to three courses in a semester. The program can be completed in four semesters.
Q: Overall, what is your view of the trend toward online learning vs. campus learning?
A: Online learning is a great vehicle for busy professionals who want or need to pursue advanced degrees. I have been involved in online program development at Corban since the early 90s. Every year more students are able to study at Corban, and be a part of our uniquely Christian university, regardless of where they reside.
Q: What should business school students expect from an online program?
A: Students should expect more than a correspondence program or a video version of a traditional classroom. Students should expect to be involved in engaging conversations with other students and with faculty. The exciting part of our program is that students from all over the world participate in our classes, and students learn from each other, in real time, as they interact over the material together. They share business practices, cultural issues and biblical perspectives in their online discussions and projects.
Q: What is Corban University looking for when considering applicants for its MBA program?
A: We are looking primarily for mid-career professionals who want or need additional business training and education. Interactions with other students and faculty are greatly enhanced when students bring to class a basic understanding of business practices in their organization.
Q: How does the current economy change things for those looking for a career in business?
A: Business principles are used in every career field so the skills learned in an MBA program can be transferred across industries. During these tough economic times, it is crucial that professionals in all sectors pursue educational opportunities that increase their mobility and expand their understanding of business. I believe an MBA degree is a smart investment that can reap rewards, even in a difficult job market.
Q: What advice would you give to someone returning to the classroom after being in the workforce for a few years?
A: Take advantage of the opportunities afforded to you while in a program. There is a wealth of knowledge to be shared from faculty and fellow students. Don't jump into a program with the intention of just getting through it.
Q: What is your favorite part of your job?
A: By far, I love having the opportunity to help students learn and grow. The Corban University MBA program gives me the chance to interact with students across the globe and challenge them to be their very best in both their professional and spiritual lives.
For more than two decades, Bryce Bernard has been instructing and guiding students at Corban University. The business school benefits from his extensive experience and knowledge. Private companies and CPA firms recognize the value of Corban graduates, and many return to the school year after year to recruit new employees.


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SOLANA BEACH — Outgoing council members Lesa Heebner and Peter Zahn were praised and presented with a variety of gifts from their colleagues and staff at the Dec. 14 meeting.
Dave Zito was also recognized for his year as mayor, a position that rotates annually in the county's second smallest city.
Heebner was the top vote getter when she first ran in 2004 and served as mayor three times. During her tenure Solana Beach renovated Fletcher Cove Park and Community Center and a 1-mile stretch of Coast Highway 101.
The city was the first in the county to ban single-use plastic bags and polystyrene containers and has made the most progress in forming a Community Choice Aggregation program that will give residents a choice of energy suppliers.
But one of her proudest accomplishments is completion of the Coastal Rail Trail, a project that prompted her to run for City Council 12 years ago.
Unhappy at the time with a 3-2 council decision on its design, she rallied community members and convinced one member to change his vote.
During her tenure Heebner represented the city on a variety of regional committees, including 10 years with the San Diego Association of Governments.
"You've been very accessible to the residents (and) businesses," Zito said. "You put on a very positive cheerful face for Solana Beach. You have incredible design taste and … if you look along (the Coastal Rail Trail) and Fletcher Cove Park you can see a lot of your little touches everywhere.
"You've also been one of the hardest working members of this governing body," he added.
"You put an amazing amount of time — and not just time, but really yourself — into this position and it's really rare to see that level of dedication," Zahn said. "You've had tremendous impact on this city."
"All the projects that have come through, you've left your signature in the city in terms of the aesthetic, keeping the community character intact," Mike Nichols said.
"It's been a pleasure serving with you, Lesa, and I really admire your dedication to service, all the years and your commitment," Ginger Marshall said. "It's really admirable."
County Supervisor Dave Roberts, who served on the Solana Beach City Council with Heebner, presented her with a county resolution.
"I just want to commend you for the great work that you've done, not only inside our city, but throughout the county of San Diego. We will long remember your phenomenal service to this community."
"Public service is not about one individual," Heebner said. "It's about a team (effort) that starts with the community. It always starts with the people who live here in Solana Beach.
"So the key message I want to convey tonight is one of gratitude," she added. "Being a council member and a mayor of one city is an honor and an incredible privilege. …I'm thankful for the opportunity to represent you."
"You always come with a good attitude … and you work hard toward the things you care about and are interested in a vigorous debate without being negative," Zito said to Zahn. "That I really respect.
"You have been the environmental pillar on our council … and it was just awesome to have you representing Solana Beach at the climate action conference in Paris," he added.
"It's been a pleasure working with you," Nichols said. "You've driven a lot of very passionate arguments through the council and driven us in a direction that I think you can leave us and the city in a better place. I've admired your intelligence and your integrity."
Roberts also presented Zahn with a county resolution.
"You've been a true leader here," Roberts said. "I have so enjoyed working with you. We have similar passions and that's taking on the system."
"I really am thankful to the residents of Solana Beach for allowing me to serve," Zahn said. "I'm hoping that it came out well in terms of what the constituents were expecting of me.
"I really was striving to live up to their expectations," he added. "We have such a great engaged citizenry here. It's awesome working with you."
Heebner and Zahn, who served one term on council, did not seek re-election in November. Zito was re-elected to his second term.
He and newly elected council members Jewel Edson and Judy Hegenauer were sworn into office. Nichols was selected as mayor for the third time since taking office in 2006 and Marshall was named deputy mayor.


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Responding quickly to a customer inquiry can mean the difference between signing a new customer or losing to a competitor. You need automated business processes and smart workflow systems that can work with your core systems.
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Using adaptive conversations, Intelledox dynamically creates personalized, online guided user experiences from the very first interaction. These interactions continuously collect data and information and automate processes. While the customer or business user enjoys that frictionless experience on the front-end, the back-end is collecting, validating and aggregating all the information and data into core systems. It automatically initiates any requests for additional information when needed, from the right source. Customers now have engaging interactions with your brand and your business has more trustworthy data and improved efficiency.
With the experience-driven workflow automation built into Intelledox, you also empower business users to design and develop automated processes wrapped around customer interactions, without needing IT intervention. Intelledox lets you create internal tasks using the same intuitive, data-driven interviews you provide customers. Reviewers and approvers are given just the information they need when they need it. No more struggling with reviews and approvals, using out-of-date templates or making errors due to a lack of system connectivity, and centrally approved and managed content reduces the risk of non-compliance.
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