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LE LIORAN, France (AFP) - Greg Van Avermaet rode into the coveted yellow jersey as he won Wednesday's fifth stage of the Tour de France.
It was a second stage win for the cobbled classics specialist who also won a stage last year.
Van Avermaet, 31, attacked fellow Belgian Thomas De Gendt 17.4km from the end of the 21km stage from Limoges to Le Lioran to also rip the yellow jersey from Slovak Peter Sagan.
He finished more than 2min 30sec ahead of De Gendt with Pole Rafal Majka in third over 5min back.
The overall favourites rolled in just behind Majka after an attack from the peloton by Frenchman Romain Bardet 3km from home sparked some action.
Two-time former winner Alberto Contador lost more time, around 30sec, as he continues to recover from injuries sustained in crashes on the first two days.
But reigning champion Chris Froome and chief rival Nairo Quintana came over the line together.
Van Avermaet now leads Frenchman Julian Alaphilippe by 5:11 with Alejandro Valverde of Spain two seconds further back.
Nine riders broke away 20km into the stage but eventually three of those went clear with the other six forming a chase group.
De Gendt, Van Avermaet and Andriy Grivko of Ukraine built up a lead of more than 2min 30sec to the six pursuers and over 15 minutes to the unrushed peloton.
Finally, in the last 50km, Froome's Team Sky and Quintana's Movistar took up the peloton pace-setting "to respect the race" Movistar sports director Jose Luis Arrieta told France Television.
On the ascent up the first category two climb, the 5.4km long, 8.1 per cent average gradient Pas de Peyrol, Grivko was dropped by the two Belgians while two of the six chasers also cracked.
That was also where Sagan gave up his grip on the race leader's yellow jersey as he was shelled out the back of the peloton, while 2014 winner and Giro d'Italia champion Vincenzo Nibali also found himself in difficulty.
By the top of that climb, with still 30km to ride, the peloton - now less than 30-strong - had closed to under 7min behind the lead duo.
With 17.4km left Van Avermaet attacked De Gendt and left him for dead, going after stage glory and the yellow jersey as well, although his compatriot had already done enough to take the king of the mountains jersey.
Poles Majka, the 2014 king of the mountains, and Bartosz Huzarski broke free from their two chasing companions but they had 3min to make up and little chance of catching Van Avermaet.
Having worked hard on the first second category climb, Movistar stopped pushing at the front of the peloton and Sky set a more relaxed tempo on the 4.4km, 7.9 per cent average Col du Perthus.
But by now, Van Avermaet's victory was assured as the peloton's gap hovered around the 6min mark without showing much desire to chase down the Belgian.
Bardet did create some late excitement but the final ramp up to the finish was neither steep, nor long enough to create gaps amongst the favourites, except for Contador.


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Here are tips from Gallegos Sanitation to keep recyclables out of the landfill.
Jacy Marmaduke
Changes are coming to Windsor recycling in 2019.
The town will move its recycling center to the town's Public Works facility, 922 N. 15th St., by March 15 to accommodate for the planned expansion of Windsor's Diamond Valley Sports Park at the Brush Recycling Site, said customer service supervisor Jess Scheopner.
Yard waste collection will end Jan. 1 because heavy commercial use of the service came at a high cost, Scheopner said. The new recycling facility will accept cardboard, low-grade paper, glass and plastics.
Windsor Water Utility customers who want to continue recycling yard waste can take it to A1 Organics in Eaton or Hageman Earth Cycle in Fort Collins for a one-time rebate of up to $10. To get the rebate, you'll need to fill out an application and provide proof of residency and purchase.
The town will still offer free Christmas tree recycling from Dec. 26 to Jan. 25 at the Chimney Park Athletic Fields parking lot, 200 E. Chestnut St. Residents can drop off live trees from 8 a.m. to 4 p.m.
Read or Share this story: https://www.coloradoan.com/story/news/2018/12/11/windsor-moving-its-recycling-center-ending-yard-waste-collection/2278407002/
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Being Free in Cove Canyon, Grand Canyon Oct 11-14, 2015
Guest Rave by Cassy Brown. Photos by Lindsey and Lynn
The moment I watched Lynn stick the burly Zion Adventure Company Land Cruiser BEFREE in a ravine, I knew we were in for an extraordinary adventure in this ruggedly remote corner of the Grand Canyon. "Game on," I thought. "Let the foolery begin."
She and I spent the next hour trying to provide the 4WD vehicle with enough traction to escape the ravine. In our efforts, we ripped a gaping hole in a rope bag and broke a packraft paddle in half. No matter what we did to reestablish traction, the wheels would spin out as if the differential wasn't locked, though we both felt confident it was.
Disheartened, we accepted defeat and returned to Tuweep Campground to see if any other campers would be interested in giving us a haul. I felt confident we would find a willing savior, though Lynn seemed less sure. The first person we asked, Terry, jumped at the opportunity to use his towing tools and experience to help us.
After dinner at camp, Lynn and Jillian set off with Terry to free BEFREE from its sandy resting place. Terry had the vehicles rigged for the haul when Lynn insistently stepped into BEFREE's driver's seat once more to have one last shot at solving the problem. As she stepped, her headlamp illuminated the differential-locking dial on the unintuitive, left-hand side of the steering wheel. Dumbfounded we had both missed it before, she engaged the dial, set the vehicle in reverse, and backed out. Simple as that.
A few hiccups later, Lynn and Jillian returned to a slumbering campsite and slept knowing BEFREE was perfectly poised for our motorized escape from Lava Falls.
The lateness of our 8:30 start the next morning was painfully amplified by the inescapable desert sun beating down on us and our oversized packs. By the time we reached the drop-in point, our five-girl team must have wandered 10-11 miles, weaving our way around the fingers of the canyons.
By now we were well into the day, and I knew getting to the confluence with Burro Canyon by dark was out of the question. We took a break once we reached the first in-canyon downclimb.
Once we were geared up with harnesses, helmets, full bellies, and topped-off water reserves, down into the bowels of the Grand Canyon we went. The itinerary called for 10-12 rappels the first day. Keeping up with the agenda seemed like a Herculean task, but we were up for the challenge. Nearly every drop featured an awkward start, an overhang, a water obstacle blocking the landing, or even all three! Welcome to Arizona canyoneering, I guess.
Managing all these variables didn't bode well re: efficiently for most of the crew. At the time, I thought zipping packs down some of the one-stagers would save time. Looking back, I see the benefits and the hindrances of the zip-line, though I cannot be sure whether setting them up helped or hurt our time.
Eventually, we found our rhythm and grooved to our mellow tempo. Between rappels, fields of massive boulders littered the canyon floor: a boulder hopper's paradise.
Shortly after we descended the next sequence of rappels, the waning sunlight forced us to hunt for a suitable campsite. Six rappels in, Lynn found a pristine alcove on canyon right where we set up camp on two wide, stair-step slabs. After dinner we settled into our sleeping bags, staring up at the Milky Way framed by the contours of the alcove.
Most of the team was up before sunrise. Lynn woke me up as part of her morning routine. I loved waking up in the Great Outdoors and how getting dressed that morning included a harness, helmet, and huge pack. All day, I could only think "Ah, this is what I live for."
Our second day could be described as a losing game of catch-up with some foolery sprinkled on top. I had my heart set at eating lunch at the confluence of Burro Canyon, but the canyon met us with relentless, slow-going boulder hopping with a rappel over here and another over yonder. As the morning pressed into the afternoon, I could sense the group was frustrated that we hadn't made it to the confluence yet.
Early afternoon wore into plain ol' afternoon when we reached a beautiful 75' drop into a stunning alcove just before the confluence. As last rappeller, I paid special attention to keeping the ropes away from each other to prevent a difficult pull. I rappelled into the alcove, then down to the canyon floor.
Lynn managed to pull the rope one arm's length at best before she met resistance. She yanked, walked over here, yanked again, walked over there, yanked, called me over to assist her, we yanked. Next, we tried to flick the ropes over each other to unravel any twists, but the jagged rock gripped the ropes tight at an edge. We climbed 15 feet into the alcove to get a different angle, but no amount of flicking could release the gripped rope.
Deep down I knew it was my time to shine, so I stepped up to the plate and said, "Forget this! I'm ascending." Lynn wasn't so animated about my decision and reasoned that ascending should be used as a last resort. Although I would typically agree with Lynn, we had the element of certainty in this scenario. The biner block was at best an arm's length away from the quicklink, so if my weight was enough to pull the rope back, I could only fall that arm's length.
When I reached the top, I discovered that despite my efforts the ropes twisted together during my descent. I untwisted the ropes and had Lynn do a test pull with the biner block still in place. The biner scraped reluctantly against the grippy rock and refused to budge once it got to the edge, so we opted to remove the biner and try for a double-strand rappel. Luckily both ends of the rope touch the bottom of the alcove, and the test pull went smooth.
While Lynn and I were fussing around with the ropes, the other three had broken for a meal among the rocks. Once we were all reunited, we soldiered on, past the confluence, where we didn't even stop. So much for my plans.
We reached our final rappel just as dusk began to fall, so we rappelled out by the light of our headlamps. Jillian found an excellent riverside campsite for us to inflate our packrafts and sleep. The dark water of the Colorado contrasted against the whitecaps in the river looked threatening by starlight, and the trepidation about what tomorrow had in store crept into the forefront of our minds.
The next morning Jillian, former rafting guide, provided a 15-minute rafting lesson before we embarked on our 5-mile journey down the Colorado. She covered river anatomy and features, basic swiftwater survival, and how to stay together. Jillian's confidence and excitement for what lay ahead comforted some of my anxiety. I felt grateful to have her knowledge and expertise on the river.
Gingerly, we ambled into our tiny boats and pushed away from shore. I was eager to see how my taped-together paddle would hold up in the river. A few strokes in, I became fearful I would fall in without a more functional paddle. I fought to keep the boat pointed down river while I navigated into the eddy on the right. The team met me on a sandbar where we splinted the paddle with a ******.
My new paddle featured more duct tape, a 12" sling, some accessory cord and a carabiner for good measure. The splinted side of the paddle was at least three times bulkier and heavier than the other side, but it suited my needs just fine.
As we floated through the rapids, the boats filled like bathtubs and their maneuverability became sluggish, so everyone except Jillian had to pull over on numerous occasions to dump the water out.
Just as I was getting comfortable on the river, we arrived at our exit point about a quarter mile upstream from Lava Falls, the largest rapid in the Grand Canyon. While some of us deflated rafts, others worked on filtering water from the muddy Colorado. Too much silt and sand in the river rendered the water unfilterable by ceramics alone. Using Lisol's shirt, we sifted some of the particles out of the water before we filtered it with our pumps. At this rate, we would be here all day before we had enough water to make it out alive.
While we filtered, deflated, ate, and dried our gear, a large group of rafters on a 16-day expedition floated by. One of the boats pulled over and offered us water, which we graciously accepted. It is remarkable that even in one of the most remote places on earth, we crossed paths with other humans who boosted us for our final push to escape the backcountry. The two rafters from Station 50 of the Phoenix Fire Department commented that they had never seen an all-girls trip of this magnitude and applauded our efforts. It felt good to receive unsolicited validation, but it felt even better to have topped-off water resources on the hike out.
Up the Lava Falls Trail — over the course of 1.5 miles, we ascended 2500 feet out of the many layers of the Grand. Part-way up, we lost the trail. This navigational error ate up two hours of escape time, but we managed to miss the hottest part of the day because of it. In an effort to solve our navigational dilemma, I belayed Jillian as she free-climbed a sketchy cliff face to find a way up while Lynn took the GPS to hunt for a better route. According to Lynn, our current location was a mere 200 feet from where we lost the trail. That 200 feet was entirely on the most terrifying slope of scree I have ever climbed. Eventually, she found the way after Jillian proclaimed that climbing up the cliff face was frakked up and unsafe.
Jillian climbed back down to "safety," and everyone rappelled or handlined off my pack to the tiny landing where they could get back on route. As last being at risk, I didn't have the luxury of a safety rope for my descent, so I took my sweet time trying to exert control over my slow-motion fall.
We hiked the rest of the way out the impossibly steep Lava Falls trail. Jillian and Lisol hauled ass out of there; they really killed it. Those two took BEFREE to retrieve the Flying Dutchman from the campsite we'd vacated three days prior. I was last lady out, arriving at the Lava Falls parking lot just as dusk fell.
Post Thanks / Like - 2 Likesjman, Mountaineer liked this post
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Great TR! Twisted ropes, death down climbing; all the sketchy dangerous stuff. Kudos in safe passage.
But lack of water? Perhaps the most risk?
Thanks for sharing.
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Yikes on the water situation. That's how I feel about the Escalante River sometimes.
But great job on the journey, as it isn't just canyoneering alone. Long approach, challenging canyon, floating in the GC, filtering muddy water, and a long hike back out.
Good job ladies. Especially an empowering adventure (like you mentioned before) where no men were present. :)
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Excellent TR, although I would have enjoyed pics of BEFREE in the ravine!
To me, it didn't sound like you were in danger of lack of water, just lack of time to filter it. My guess is that if you weren't bailed out (yes, pun intended!), you would have taken the time to pre-filter and pump.
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may I ask exactly where you started hiking? Tuweep or Tuckup or what? I have the AZ Topo on my Topo! and can see Burro and Cove canyons.
I will guess you took the Tuckup Point trail from Tuweep.
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Congrats on what seems like a really nice route (not withstanding the uphill grind at the end). I clicked on the link - no photo of your "watercraft"?
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Isolated by Fernando Vallejo
Fernando Vallejo is a talented photographer, who raised in Madrid + Los Angeles. He is mentored as an assistant to commercials director Joaquin Baca-Asay, first at Park Pictures, then at MJZ.
Working with Baca-Asay worldwide + stateside, assisting logistically and creatively in making spots for clients such as Nike, Volvo, Dell, NFL, Windows, Nissan, EA Sports, Gatorade, Adidas, Starbucks, Acura, Volkswagen, Citibank, Jim Beam, Budweiser, All State, Heineken, UNICEF, and many others, is how he's learned the tricks of the trade. Fernando strives to make visually potent work that feels emotionally genuine.


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This can help if:
- you've noticed a change in your teenager
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- you think your teenager might have depression
Working out whether your teenager is experiencing low mood or depression isn't an exact science. We've pulled together 7 of the most common signs but that doesn't mean that if you're teenager shows a few of these they are definitely depressed. If you spot a sign the most important thing to do is to open up the conversation and see where they're at. You can get some help on what to do next if you think they might have depression here.


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text:
The Rise of Metallurgy in Eurasia
Evolution, Organisation and Consumption of Early Metal in the Balkans
There is controversy over the beginnings of extractive metallurgy, i.e. the extraction of metals from ores, in Eurasia. For many years the prevalent view was that metallurgy developed in the Near East and spread out from there, but over time there has been more and more evidence to suggest that it is more likely to have emerged independently in different regions of Eurasia.
The Balkan region plays a particularly important role in this theory of multiregional development. In the context of the Vinča culture, which was based here between 5300 BC and 4600 BC, there was a veritable "boom" in the production of heavy copper items, impressively illustrated by the find of 45 massive copper axes, chisels and bracelets in the settlement of Pločnik. Furthermore, the Rudna Glava mine, also from the Vinča period, is the oldest copper ore mine in Europe. So far, however, the places where the actual metal production and processing occurred have remained largely unknown.
Since 2012 a UCL-based project, "The Rise of Metallurgy in Eurasia: Evolution, Organisation and Consumption of Early Metal in the Balkans", has tackled this desideratum. The Deutsches Bergbau-Museum Bochum has been a collaborative partner in this project since 2013. Within the framework of this project, the different steps in copper production and use in Vinča times are to be examined and reconstructed using data from various find sites – in Pločnik, Belovode and Jarmovac.
The activities of the Deutsches Bergbau-Museum will be related to the examination of prehistoric traces of mining at the Jarmovac find site near the locality of Priboj na Limu in western Serbia. These were discovered and partially excavated back in 2003 by Savo Derikonjić from the Priboj museum of local history. Finds of grooved and indented hammerstones (Rillenschlägel and Kerbschlägel), and a few fragments of ceramics from the Vinča period, show that what we have here is probably another mine from this early copper-producing culture. Investigating this mine will offer detailed insights into the techniques used for this early ore extraction.
Project manager
Responsible body
Deutsches Bergbau-Museum Bochum
2013 - 2014


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What is a "Stock"?
A type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings.
- There are two main types of stock: common and preferred.
Common stock usually entitles the owner to vote at shareholders' meetings and to receive dividends.
Preferred stock generally does not have voting rights, but has a higher claim on assets and earnings than the common shares.
For example, owners of preferred stock receive dividends before common shareholders and have priority in the event that a company goes bankrupt and is liquidated.
What is an "Option"?
A financial derivative that represents a contract sold by one party (option writer) to another party (option holder).
The contract offers the buyer the right, but not the obligation, to buy (call) or sell (put) a security or other financial asset at an agreed-upon price (the strike price) during a certain period of time or on a specific date (exercise date).
Call options give the option to buy at certain price, so the buyer would want the stock to go up.
Put options give the option to sell at a certain price, so the buyer would want the stock to go down.
Options are extremely versatile securities that can be used in many different ways. Traders use options to speculate, which is a relatively risky practice, while hedgers use options to reduce the risk of holding an asset.
What is a "Bond"?
A debt investment in which an investor loans money to an entity (corporate or governmental) that borrows the funds for a defined period of time at a fixed interest rate.
Bonds are used by companies, municipalities, states and U.S. and foreign governments to finance a variety of projects and activities.
are commonly referred to as fixed-income securities and are one of the
three main asset classes, along with stocks and cash equivalents
The indebted entity (issuer) issues a bond that states the interest rate (coupon) that will be paid and when the loaned funds (bond principal) are to be returned (maturity date). Interest on bonds is usually paid every six months (semi-annually). The main categories of bonds are corporate bonds, municipal bonds, and U.S. Treasury bonds, notes and bills, which are collectively referred to as simply "Treasuries".
Two features of a bond - credit quality and duration - are the principal determinants of a bond's interest rate. Bond maturities range from a 90-day Treasury bill to a 30-year government bond. Corporate and municipals are typically in the three to 10-year range.
Read more: http://www.investopedia.com/terms/b/bond.asp#ixzz1uxmb6FQi
What is an "ETF"?
A security that tracks an index, a commodity or a basket of assets like an index fund, but trades like a stock on an exchange.
ETFs experience price changes throughout the day as they are bought and sold.
Because it trades like a stock, an ETF does not have its net asset value (NAV) calculated every day like a mutual fund does.By owning an ETF, you get the diversification of an index fund as well as the ability to sell short, buy on margin and purchase as little as one share. Another advantage is that the expense ratios for most ETFs are lower than those of the average mutual fund. When buying and selling ETFs, you have to pay the same commission to your broker that you'd pay on any regular order.
One of the most widely known ETFs is called the Spider (SPDR), which tracks the S&P 500 index and trades under the symbol SPY.
Read more: http://www.investopedia.com/terms/e/etf.asp#ixzz1uxn625Y8
investment vehicle that is made up of a pool of funds collected from
many investors for the purpose of investing in securities such as
stocks, bonds, money market instruments and similar assets. Mutual funds
are operated by money managers, who invest the fund's capital and
attempt to produce capital gains and income for the fund's investors. A
mutual fund's portfolio is structured and maintained to match the
investment objectives stated in its prospectus.
One of the main advantages of mutual funds is that they give small investors access to professionally managed, diversified portfolios of equities, bonds and other securities, which would be quite difficult (if not impossible) to create with a small amount of capital. Each shareholder participates proportionally in the gain or loss of the fund. Mutual fund units, or shares, are issued and can typically be purchased or redeemed as needed at the fund's current net asset value (NAV) per share, which is sometimes expressed as NAVPS.
Exchange Traded Notes - An Alternative To ETFs
SEE: Commodities: The Portfolio Hedge.
In this article, we'll explain this innovative approach to index investing and compare it to its cousin, the ETF. (For more insight, see Introduction to Exchange Traded Funds and An Inside Look At ETF Construction.)
How Is an ETN Different Than an ETF?ETNs are structured products that are issued as senior debt notes by Barclays, while ETFs represent a stake in an underlying commodity. Barclays is a 300-year-old bank with $1.5 trillion in assets and an 'AA' credit rating from Standard & Poor's.
This provides ETNs with a fairly dependable backing, but even with this kind of credibility, ETNs are not free of credit risk - after all, Barclays Bank will never be as safe as a central bank, such as the Bank of England. In the 1990s, for example, Barings Bank (which was as reputable as Barclays, at the time) collapsed as a result of the large losses incurred by a speculative trader employed at the bank.
Since long-term capital gains are treated more favorably than short-term capital gains and interest, the tax treatment of ETNs should be more favorable than that of ETFs. However, as of November 2006, the IRS had not made a definitive ruling on their tax treatment. For international investors, the differences are compounded as treatment for these capital gains and will be treated differently in their home countries. (For related reading, see Capital Gains Tax 101.)
RiskOutside of the tax treatment, the difference between ETNs and ETFs comes down to credit risk vs. tracking risk. ETNs possess credit risk, so if Barclays goes bankrupt, the investor may not receive the return he or she was promised. An ETF, on the other hand, has virtually no credit risk, but there is tracking risk involved with holding an ETF. In other words, there is a possibility that the ETF's returns will differ from its underlying index.
The following chart represents a comparison of the GSCI's ETF and ETN.
Barclay's Bank
Barclay's Global Investor
Daily, On Exchange
Daily, On Exchange
Securities Act of 1933
Investment Company Act of 1940
Issuer Credit
Portfolio of Securities
Principal Risk
Market and Issuer Risk
Market Risk
Institutional Size Redemption
Weekly, To the Issuer
Daily Via Custodian
Short Sales
Yes, On an Uptick or Downtick
Yes, On an Uptick or Downtick
Tracking Error
Expense Ratio
75 bps
75 bps
Source: iShares
Now that you have a better understanding of the differences between ETN and ETF, which one should prevail? To some degree that will be determined by your tax bracket and your investment time horizon. While the biggest benefit of an ETN is that the entire gain is treated as a capital gain, this gain is also deferred until the security is either sold or matures - something that should not be taken lightly by tax-conscious, long-term investors. With an ETF, capital gains and losses are realized as each futures contract is rolled into another one.
A ruling by the IRS would help remove the tax uncertainty of ETNs. As it stands now, the view that ETNs are classified as prepaid contracts is one that has been made by Barclays and not as an official ruling by the IRS. However, giving taxes higher priority over the quality of an investment can be perilous - the tax code and tax rates are always subject to change.
The absence of tracking risk is also of some value for ETN investors, but it should not be overrated because this has not been a big problem with ETFs. Furthermore, the question of liquidity for ETNs has not yet been answered.
The Bottom LineThe big difference between ETNs and ETFs is credit risk and tax treatment. While much can be made about the counterparty risk of ETNs, is it really any different from the counterparty risk that exists in the structured product and derivatives markets today?
At this point, Barclays has only introduced three ETNs, but their unique structure means that they could be applied to any tradable index. This opens the door for the potential development of many more ETNs in the future, as asset classes like timber, foreign currency bonds, foreign commercial real estate and equity volatility in the U.S still lack an index security.
While the benefit of active management is arguable, there is no disputing the value that financial engineering has brought to the financial markets since deregulation took hold in the early 1970s. Financial engineering has made our markets more liquid and more efficient. The advent of ETN is no different. However, as with any new product, there are unanswered questions.
Read more: http://www.investopedia.com/articles/06/ETNvsETF.asp#ixzz1ygATZVW2
It's important to understand that each mutual fund has different risks and rewards. In general, the higher the potential return, the higher the risk of loss. Although some funds are less risky than others, all funds have some level of risk - it's never possible to diversify away all risk. This is a fact for all investments.
Each fund has a predetermined investment objective that tailors the fund's assets, regions of investments and investment strategies. At the fundamental level, there are three varieties of mutual funds:
1) Equity funds (stocks)
2) Fixed-income funds (bonds)
3) Money market funds
All mutual funds are variations of these three asset classes. For example, while equity funds that invest in fast-growing companies are known as growth funds, equity funds that invest only in companies of the same sector or region are known as specialty funds.
Money Market Funds
The money market consists of short-term debt instruments, mostly Treasury bills. This is a safe place to park your money. You won't get great returns, but you won't have to worry about losing your principal. A typical return is twice the amount you would earn in a regular checking/savings account and a little less than the average certificate of deposit (CD).
Bond/Income Funds
Income funds are named appropriately: their purpose is to provide current income on a steady basis. When referring to mutual funds, the terms "fixed-income," "bond," and "income" are synonymous. These terms denote funds that invest primarily in government and corporate debt. While fund holdings may appreciate in value, the primary objective of these funds is to provide a steady cashflow to investors. As such, the audience for these funds consists of conservative investors and retirees.
Bond funds are likely to pay higher returns than certificates of deposit and money market investments, but bond funds aren't without risk. Because there are many different types of bonds, bond funds can vary dramatically depending on where they invest. For example, a fund specializing in high-yield junk bonds is much more risky than a fund that invests in government securities. Furthermore, nearly all bond funds are subject to interest rate risk, which means that if rates go up the value of the fund goes down.
Balanced Funds
The objective of these funds is to provide a balanced mixture of safety, income and capital appreciation. The strategy of balanced funds is to invest in a combination of fixed income and equities. A typical balanced fund might have a weighting of 60% equity and 40% fixed income. The weighting might also be restricted to a specified maximum or minimum for each asset class.
A similar type of fund is known as an asset allocation fund. Objectives are similar to those of a balanced fund, but these kinds of funds typically do not have to hold a specified percentage of any asset class. The portfolio manager is therefore given freedom to switch the ratio of asset classes as the economy moves through the business cycle.
Funds that invest in stocks represent the largest category of mutual funds. Generally, the investment objective of this class of funds is long-term capital growth with some income. There are, however, many different types of equity funds because there are many different types of equities. A great way to understand the universe of equity funds is to use a style box, an example of which is below.
The idea is to classify funds based on both the size of the companies invested in and the investment style of the manager. The term value refers to a style of investing that looks for high quality companies that are out of favor with the market. These companies are characterized by low P/E and price-to-book ratios and high dividend yields. The opposite of value is growth, which refers to companies that have had (and are expected to continue to have) strong growth in earnings, sales and cash flow. A compromise between value and growth is blend, which simply refers to companies that are neither value nor growth stocks and are classified as being somewhere in the middle.
For example, a mutual fund that invests in large-cap companies that are in strong financial shape but have recently seen their share prices fall would be placed in the upper left quadrant of the style box (large and value). The opposite of this would be a fund that invests in startup technology companies with excellent growth prospects. Such a mutual fund would reside in the bottom right quadrant (small and growth).
Global/International Funds
An international fund (or foreign fund) invests only outside your home country. Global funds invest anywhere around the world, including your home country.
It's tough to classify these funds as either riskier or safer than domestic investments. They do tend to be more volatile and have unique country and/or political risks. But, on the flip side, they can, as part of a well-balanced portfolio, actually reduce risk by increasing diversification. Although the world's economies are becoming more inter-related, it is likely that another economy somewhere is outperforming the economy of your home country.
This classification of mutual funds is more of an all-encompassing category that consists of funds that have proved to be popular but don't necessarily belong to the categories we've described so far. This type of mutual fund forgoes broad diversification to concentrate on a certain segment of the economy.
Sector funds are targeted at specific sectors of the economy such as financial, technology, health, etc. Sector funds are extremely volatile. There is a greater possibility of big gains, but you have to accept that your sector may tank.
Regional funds make it easier to focus on a specific area of the world. This may mean focusing on a region (say Latin America) or an individual country (for example, only Brazil). An advantage of these funds is that they make it easier to buy stock in foreign countries, which is otherwise difficult and expensive. Just like for sector funds, you have to accept the high risk of loss, which occurs if the region goes into a bad recession.
Socially-responsible funds (or ethical funds) invest only in companies that meet the criteria of certain guidelines or beliefs. Most socially responsible funds don't invest in industries such as tobacco, alcoholic beverages, weapons or nuclear power. The idea is to get a competitive performance while still maintaining a healthy conscience.
Index Funds
The last but certainly not the least important are index funds. This type of mutual fund replicates the performance of a broad market index such as the S&P 500 or Dow Jones Industrial Average (DJIA). An investor in an index fund figures that most managers can't beat the market. An index fund merely replicates the market return and benefits investors in the form of low fees.
What's even more disturbing is the way the fund industry hides costs through a layer of financial complexity and jargon. Some critics of the industry say that mutual fund companies get away with the fees they charge only because the average investor does not understand what he/she is paying for.
Fees can be broken down into two categories:
1. Ongoing yearly fees to keep you invested in the fund.
2. Transaction fees paid when you buy or sell shares in a fund (loads).
The Expense Ratio
The ongoing expenses of a mutual fund is represented by the expense ratio. This is sometimes also referred to as the management expense ratio (MER). The expense ratio is composed of the following:
• The cost of hiring the fund manager(s) - Also known as the management fee, this cost is between 0.5% and 1% of assets on average. While it sounds small, this fee ensures that mutual fund managers remain in the country's top echelon of earners. Think about it for a second: 1% of 250 million (a small mutual fund) is $2.5 million - fund managers are definitely not going hungry! It's true that paying managers is a necessary fee, but don't think that a high fee assures superior performance.
• The last part of the ongoing fee (in the United States anyway) is known as the 12B-1 fee. This expense goes toward paying brokerage commissions and toward advertising and promoting the fund. That's right, if you invest in a fund with a 12B-1 fee, you are paying for the fund to run commercials and sell itself!
On the whole, expense ratios range from as low as 0.2% (usually for index funds) to as high as 2%. The average equity mutual fund charges around 1.3%-1.5%. You'll generally pay more for specialty or international funds, which require more expertise from managers.
Are high fees worth it? You get what you pay for, right?
Just about every study ever done has shown no correlation between high expense ratios and high returns. This is a fact. If you want more evidence, consider this quote from the Securities and Exchange Commission's website:
"Higher expense funds do not, on average, perform better than lower expense funds."
Loads, A.K.A. "Fee for Salesperson"
Loads are just fees that a fund uses to compensate brokers or other salespeople for selling you the mutual fund. All you really need to know about loads is this: don't buy funds with loads.
In case you are still curious, here is how certain loads work:
• Front-end loads - These are the most simple type of load: you pay the fee when you purchase the fund. If you invest $1,000 in a mutual fund with a 5% front-end load, $50 will pay for the sales charge, and $950 will be invested in the fund.
• Back-end loads (also known as deferred sales charges) - These are a bit more complicated. In such a fund you pay the a back-end load if you sell a fund within a certain time frame. A typical example is a 6% back-end load that decreases to 0% in the seventh year. The load is 6% if you sell in the first year, 5% in the second year, etc. If you don't sell the mutual fund until the seventh year, you don't have to pay the back-end load at all.
Mutual Funds: Picking A Mutual Fund
You can buy some mutual funds (no-load) by contacting fund companies directly. Other funds are sold through brokers, banks, financial planners, or insurance agents. If you buy through a third party, you may pay a sales charge (load).
That said, funds can be purchased through no-transaction fee programs that offer funds from many companies. Sometimes referred to as "fund supermarkets," these programs let you buy funds from many different companies. They also provide consolidated recording that includes all purchases made through the supermarket, even if they are from different fund families. Popular examples are Schwab's OneSource, Vanguard's FundAccess, and Fidelity's FundsNetwork. Many large brokerages have similar offerings.
What to Know Before You Shop
Net asset value (NAV), which is a fund's assets minus liabilities, is the value of a mutual fund. NAV per share is the value of one share in the mutual fund, and it is the number that is quoted in newspapers. You can basically just think of NAV per share as the price of a mutual fund. It fluctuates everyday as fund holdings and shares outstanding change.
Finding Funds
Nearly every fund company in the country also has its own website. Simply type the name of the fund or fund company that you wish to learn more about into a search engine and hit "search." If you don't have a specific fund company already in mind, you can run a search for terms like "no-load small cap fund" or large-cap value fund."
For a more organized search, there are a variety of other resources available online. Two notable ones include:
The Mutual Fund Education Alliance is the not-for-profit trade association of the no-load mutual fund industry. They have a tool for searching for no-load funds.
Morningstar is an investment research firm that is particularly well known for its fund information.
Identifying Goals and Risk ToleranceBefore acquiring shares in any fund, you need to think about why you are investing. What is your goal? Are long-term capital gains desired, or is a current income preferred? Will the money be used to pay for college expenses, or to supplement a retirement that is decades away? Identifying a goal is important because it will help you hone in on the right fund for the task.
For really short-term goals, money market funds may be the right choice, For goals that are few years in the future, bond funds may be appropriate. For long-term goals, stocks funds may be the way to go.
Of course, you must also consider the issue of risk tolerance. Can you afford and accept dramatic swings in portfolio value? If so, you may prefer stock funds over bond funds. Or is a more conservative investment warranted? In that case, bond funds may be the way to go.
The next question to consider include "are you more concerned about trying to outperform your fund's benchmark index or are you more concerned about the cost of your investments?" If the answer is "cost," index funds are likely the right choice for you.
Mutual Funds: Evaluating Performance
|1 year
|3 year
|5 year
Last year, the fund had excellent performance at 53%. But, in the past three years, the average annual return was 20%. What did it do in years 1 and 2 to bring the average return down to 20%? Some simple math shows us that the fund made an average return of 3.5% over those first two years: 20% = (53% + 3.5% + 3.5%)/3. Because that is only an average, it is very possible that the fund lost money in one of those years.
It gets worse when we look at the five-year performance. We know that in the last year the fund returned 53% and in years 2 and 3 we are guessing it returned around 3.5%. So what happened in years 4 and 5 to bring the average return down to 11%? Again, by doing some simple calculations we find that the fund must have lost money, an average of -2.5% each year of those two years: 11% = (53% + 3.5% + 3.5% - 2.5% - 2.5%)/5. Now the fund's performance doesn't look so good!
It's All Relative
Of course, knowing how a fund performed is only one third of the battle. Performance is a relative issue, literally. If the fund we looked at above is judged against its appropriate benchmark index, a whole new layer of information is added to the evaluation. If the index returned 75% for the 1 year time period, that 53% from the fund doesn't look quite so good. On the other hand, if the index delivered results of 25%, 5%, and -5% for the respective one, three, and five-year periods, then the fund's results look rather fine indeed.
To add another layer of information to the evaluation, one can consider a fund's performance against its peer group as well as against its index. If other funds that invest with a similar mandate had similar performance, this data point tells us that the fund is in line with its peers. If the fund bested its peers and its benchmark, its results would be quite impressive indeed.
Looking at any one piece of information in isolation only tells a small portion of the story. Consider the comparison of a fund against its peers. If the fund sits in the top slot over each of the comparison periods, it is likely to be a solid performer. If it sits at the bottom, it may be even worse than perceived, as peer group comparisons only capture the results from existing funds. Many fund companies are in the habit of closing their worst performers. When the "losers" are purged from their respective categories, their statistical records are no longer included in the category performance data. This makes the category averages creep higher than they would have if the losers were still in the mix. This is better known as survivorship bias.
Read more: http://www.investopedia.com/university/mutualfunds/mutualfunds3.asp#ixzz1wWHXgW9s
'529 Plan'The prepayment may be in the form of a contribution to an account established specifically for paying higher educational expenses. There is no income restriction for individuals who want to contribute to a 529 plan; however, because contributions cannot exceed the amount that sufficiently covers the expenses of the beneficiary's qualified higher education, individuals should take care not to over-fund the 529 plan.
529 plans (also known as a "qualified tuition program") were created under the Small Business Job Protection Act of 1996 (SBA '96) as a means of allowing taxpayers to save for higher education expenses for a designated beneficiary. A 529 plan may be provided by a state, an agency of the state or by an educational institution.
Like the education savings account (ESA), the 529 plan is an excellent way to save for education expenses. Earnings accumulate on a tax-deferred basis and distributions that are used for qualified education expenses are tax- and penalty-free. Unlike the ESA, the 529 plan may be set up in a way that allows individuals to prepay a student's qualified higher-education expenses at an eligible educational institution. Also, the contribution limits for a 529 plan are considerably higher than those for an ESA. Here we take a look at 529 plans, how they work and how you can use them to save for a child or grand-child's college education.
- Prepaid tuition programs, which may be offered by the state of an eligible educational institution. Prepaid tuition programs allow for the advance purchase of credits for the designated beneficiary. These are usually established during enrollment periods established by the state of the eligible educational institution.
- College savings plans allow contributions to be made to the account on behalf of the designated beneficiary. These can usually be established at any time, including immediately after the designated beneficiary is born.
The designated beneficiaryunder a 529 plan is the student the plan is established for. The designated beneficiary can be changed to an eligible person. Typically, the designated beneficiary is changed if the current designated beneficiary will not need the funds in the 529 plan for eligible education expenses. If a state or local government or certain tax-exempt organizations purchase an interest in a 529 plan as part of a scholarship program, the designated beneficiary is the person who receives the interest as a scholarship.
Certain educational institutions located outside the United States also participate in the U.S. Department of Education's Federal Student Aid (FSA) programs.
Individuals should check with the educational institution to determine if it is an eligible education institution for 529 plan purposes.
529 Plans: Eligibility
Who Can Establish and Contribute to the 529 Plan?
Anyone can establish and contribute to a 529 plan on behalf of a designated beneficiary. This means that relatives, family, friends and even the designated beneficiary can establish the 529 plan for him- or herself. But the rules do vary. For instance, some 529 plans limit participation to residents of the state while others allow anyone to participate, regardless of the individual's state of residence. Individuals should check with the financial institution or the education institution providing the plan to determine the eligibility requirements for establishing an account under the plan.
Some 529 plans may have established enrollment periods before which new accounts must be opened.
Age and Income Requirements
Unlike the ESA, 529 plans do not have income restrictions. Some 529 plans - although there are very few - place age restrictions on designated beneficiaries. Individuals must check with the plan provider and the plan documents to determine whether there are any restrictions that apply to the 529 plan they want to establish for the designated beneficiary.
Change in the Designated Beneficiary
Like the ESA, the 529 plan allows the designated beneficiary to be changed to a qualified family member who meets any age requirements as determined by the plan.
For the purpose of determining who can become a designated beneficiary of a 529 plan, a qualified family member includes the following:
- The designated beneficiary's spouse
- The designated beneficiary's son or daughter or descendant of the beneficiary's son or daughter
- The designated beneficiary's stepson or stepdaughter
- The designated beneficiary's brother, sister, stepbrother or stepsister
- The designated beneficiary's father or mother, or ancestor of either parent
- The designated beneficiary's stepfather or stepmother
- The designated beneficiary's niece or nephew
- The designated beneficiary's aunt or uncle
- The spouse of any individual listed above, including the beneficiary's son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law or sister-in-law
- Any individual for whom the home of the designated beneficiary is his or her primary home for the entire tax year
- The designated beneficiary's first cousin
Anyone can establish and contribute to a 529 plan on behalf of a designated beneficiary. This means that relatives, family, friends and even the designated beneficiary can establish the 529 plan for him- or herself. But the rules do vary. For instance, some 529 plans limit participation to residents of the state while others allow anyone to participate, regardless of the individual's state of residence. Individuals should check with the financial institution or the education institution providing the plan to determine the eligibility requirements for establishing an account under the plan.
Some 529 plans may have established enrollment periods before which new accounts must be opened.
Age and Income Requirements
Unlike the ESA, 529 plans do not have income restrictions. Some 529 plans - although there are very few - place age restrictions on designated beneficiaries. Individuals must check with the plan provider and the plan documents to determine whether there are any restrictions that apply to the 529 plan they want to establish for the designated beneficiary.
Change in the Designated Beneficiary
Like the ESA, the 529 plan allows the designated beneficiary to be changed to a qualified family member who meets any age requirements as determined by the plan.
For the purpose of determining who can become a designated beneficiary of a 529 plan, a qualified family member includes the following:
- The designated beneficiary's spouse
- The designated beneficiary's son or daughter or descendant of the beneficiary's son or daughter
- The designated beneficiary's stepson or stepdaughter
- The designated beneficiary's brother, sister, stepbrother or stepsister
- The designated beneficiary's father or mother, or ancestor of either parent
- The designated beneficiary's stepfather or stepmother
- The designated beneficiary's niece or nephew
- The designated beneficiary's aunt or uncle
- The spouse of any individual listed above, including the beneficiary's son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law or sister-in-law
- Any individual for whom the home of the designated beneficiary is his or her primary home for the entire tax year
- The designated beneficiary's first cousin
529 Plans: Contributions
Regular contributions to 529 plans must be made in cash (which includes checks). In-kind contributions, such as stocks, bonds, mutual funds or other non-cash items cannot be used to make regular contributions to and cannot be made in the form of securities.
Contribution LimitThe maximum amount that may be contributed on behalf of each designated beneficiary varies among states. Typically, contributions to each plan are limited to amounts that are necessary to finance the designated beneficiary's eligible education expenses. Where limits are established, they are usually applied on a lifetime basis. For instance, a plan may limit total contributions to $200,000, which is the maximum total that can be contributed to the designated beneficiary's 529 account over time.
Amounts contributed to a designated beneficiary's 529 account are treated as a gift. However, contributions of up to $13,000 can be made for each designated beneficiary without incurring federal gift tax in accordance with the annual exclusion applies to gifts to each done. Alternatively, an individual may be able to contribute a lump sum that covers five years, giving a total of $65,000 ($130,000 for married couples), provided the individual makes no additional gifts to that designated beneficiary for the five-year period.
Rollovers, Transfers, Changing Designated Beneficiaries
If a designated beneficiary no longer wants or needs the balance in his or her 529 plan, the amount can be given to an eligible family member. For this purpose, eligible family members include the following:
- The designated beneficiary's spouse
- The designated beneficiary's son or daughter or descendant of the beneficiary's son or daughter
- The designated beneficiary's stepson or stepdaughter
- The designated beneficiary's brother, sister, stepbrother or stepsister
- The designated beneficiary's father or mother, or ancestor of either parent
- The designated beneficiary's stepfather or stepmother
- The designated beneficiary's niece or nephew
- The designated beneficiary's aunt or uncle
- The spouse of any individual listed above, including the beneficiary's son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law or sister-in-law
- Any individual for whom the home of the designated beneficiary is his or her primary home for the entire tax year
- The designated beneficiary's first cousin
Tax Deduction AllowanceSome states' 529 plan rules allow taxpayers to receive a tax deduction for contributions, but there may be certain requirements. For instance, while a state's 529 plan may allow anyone (regardless of his or her state of residence) to participant in its 529 plan, only residents of the state may be allowed a tax deduction for the contributions. Individuals must check with the particular plan to determine its features and benefits.
The investment choices for 529 plans are usually limited to mutual funds or annuities. For some plans, the investment choices are based on the age of the beneficiary, allowing more aggressive investments for younger beneficiaries.
Read more: http://www.investopedia.com/university/retirementplans/529plan/529plan3.asp#ixzz1yg97seKT
529 Plans: Distributions
Distributions from 529 plans used for qualified education expenses are tax- and penalty-free if the amount is equal to or less than the designated beneficiary's qualified education expenses. For distributions that are more than the individual's qualified education expenses, the earnings may be subject to tax and an additional 10% early-distribution penalty. Some states allow qualified individuals, as defined by the state, to claim tax deductions for contributions they make to 529 plans. If a tax deduction is allowed, state taxes may also apply to a distribution of amounts other than earnings.
Qualified Education ExpensesGenerally, qualified education expenses include the following:
- Expenses required for the designated beneficiary's enrollment in and attendance at an eligible school. Eligible schools include colleges, universities, vocational schools and accredited post-secondary educational institutions that are eligible to participate in a student aid program administered by the Department of Education.
- Tuition and fees
- Books, supplies and equipment
- Academic tutoring
- Room and board
- Uniforms
- Transportation
- Expenses of a special needs beneficiary that are necessary for that person's enrollment or attendance at an eligible educational institution.
- The designated beneficiary dies, and the distribution goes to another beneficiary or to the estate of the designated beneficiary.
- The designated beneficiary becomes disabled. A person is considered disabled if there is proof that he or she cannot do any substantial gainful activity because of a physical or mental condition. A physician must determine that the individual's condition can be expected to result in death or continue indefinitely.
- The designated beneficiary receives any of the following:
- a qualified scholarship excludable from gross income
- veterans' educational assistance
- employer-provided educational assistance
- any other nontaxable payments (other than gifts, bequests or inheritances) received for education expenses
- The distribution is included in income only because the qualified education expenses were taken into account in determining the Hope Credit or Lifetime Learning Credit, both of which are tax credits that reduce the amount of taxable income for an individual funding a student's education.
Read more: http://www.investopedia.com/university/retirementplans/529plan/529plan4.asp#ixzz1yg9OCppB
529 Plans: ConclusionSimilar to the education savings account (ESA), the 529 plan is an excellent way to save for education expenses.
Let's recap:
- 529 plans allow for the prepayment of qualified higher-education expenses at eligible educational institutions.
- There are no income restrictions for individuals who want to contribute to a 529 plan; however, because contributions cannot be more than the amount necessary to provide for the qualified higher-education expenses of the beneficiary, individuals should take care not to contribute too much to the 529 plan.
- An individual may contribute up to $13,000 each year to a designated beneficiary's 529 plan without incurring federal gift tax, provided that the individual makes no additional gifts to that designated beneficiary for the year.
- The distribution from the 529 plan may be used for:
- tuition and fees
- books, supplies and equipment
- academic tutoring
- room and board
- uniforms
- transportation


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A unique housing opportunity right next door to Lithia Park, this two bedroom one bath apartment has newer carpet, and vaulted ceilings with great light. Built in cabinets provide a great home office space downstairs. Nice side yard patio with established topiary, within short distance to downtown Ashland. Water, sewer and garbage paid. Off street parking.
Applications and renter information can be found here;


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Kontakt9 needed a new logo design and created a contest on 99designs.
A winner was selected from 89 designs submitted by 21 freelance designers.
Schönes Wohnen
decorative items inside the house (living) like: electric fireplaces, decorative items, sculptures, artwork (oil paintings).
we are happy about all design ideas at the start
Find out how a design contest works or learn more about our logo design services.


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text: At Society Fair, they're passionate about food, good food at that. They wanted to expand their full service retail location with a website to serve as an online store. Through that, they've built relationships with loyal customers who have never stepped foot into their space. Society Fair chose a .net because it's "pro business."


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Mr. Matheus is a mechanical engineer and senior project manager with ADM. Mr. Matheus has over 12 years of experience in mechanical system design, construction management, and evaluation of energy efficiency and demand response programs.
Mr. Matheus has extensive experience in HVAC system design and optimization, managing construction activities, system commissioning, and energy efficiency and demand response program evaluation. Mr. Matheus has provided design, construction oversight and evaluation for a range of customers, including schools, federal and state governments, casinos, manufacturing, and mining. Mr. Matheus is a registered Professional Engineer (PE) in the state of Nevada, and is also a Certified Energy Manager (CEM).


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Daiso has the most interesting little knick-knacks, and here's something I discovered recently- needle felting kits! Basically, you would roll up balls of felt and use a special needle to poke the balls of felt. The felt will become more compact and you can shape the felt into different things. I decided to get some kits to try out such a craft!
The first kit is actually red, white and pink felt without any needle included. The front suggests making cherries with it, but I'm planning to make flowers and hearts with them.
The next three sets are animal-themed kits. For these kits, they include the needle as well as the black plastic parts for the eyes. The eyes are not beads; rather, they are more like plastic pins to poke into the felt. I got the kits with the rabbit, bear and tiger materials. I remember the other animals available were frog and elephant.
Looking forward to try them out!


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Wallbox Printed Wall Display 15'w x 8'h, Includes Dye Sub Graphics
Free Ground Shipping
15ft x 8ft Printed Wall Display for Trade Show Advertising, Includes Stretch Fabric Graphic
This 15 foot wide Wallbox fabric display is extra wide for larger trade show exhibits. Separate your space while advertising your brand or promotion. Marketing teams love the mighty size with large printed areas to work with. This new style of display can be used vertically, stretching tall like a tower, or horizontally as a barrier. The Wallbox booth wall is completely tool-less assembly combining reliability with ease of use. The fabric wraps around the whole frame which creates a soft, seamless look. Using the Wallbox fabric display in your exhibit will make a big impression at the very affordable cost.
*** WARRANTY *** 1 Year Manufacture Warranty on Hardware and Graphic
Features and Benefits:
- Tool-less assembly
- Push button snap locks for easy assembly
- Portable and can be customized for all type of events
- Double sided graphic available
- Printed end caps (side view)
- Packs away into compact carrying and storage bag
Package Includes:
- (20) Poles for aluminum frame
- (17) Connectors for frame
- (1) Stretch fabric graphic
- (1) Nylon travel bag
- (1) Conversion kit
- (1) Single sided fabric graphic
Graphic Design Services: Available upon request. Please call for a quote (239) 433-9738
Submitting Artwork, Formats, Color & Resolution Requirements
|Custom Fields
|in stock
|Google Feed Product Image
|google product category
|Business & Industrial > Advertising & Marketing > Trade Show Displays
|Google Shipping Rules
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|In Stock, Printing 2 - 4 days
Downloads: EZ Tube Wall Box Fabric Graphic Display 15x8 Package
NOTE: To download files, click the links below or Right Mouse Click and choose "Save Target As..."
EZ Tube Wallbox Fabric Display 15x8 Spec Sheet
EZ Tube Wallbox Fabric Display Graphic Care
EZ Tube Wallbox Fabric Display 15x8 Graphic Template
Set-up Instructions for EZ Tube Wallbox Fabric Display


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Commitment to education, social issus and sports
The Foundation "The Hamburg Way"
In July 2016 REYHER joined a partnership with the foundation of the Hamburg Football Club HSV called "The Hamburg Way". With this commitment we want to support activities which documents a social responsibility for young people. "The Hamburg Way" focus on three areas with its projects: education, social issus and sports. Children and young adolesence, therefore our junior employees in the future, take centre stage.
Further information about "The Hamburg Way" and the foundation can be found here.
HSH Nordbank Run 2017
Hamburg's Hafencity is the backdrop for the biggest charity run in North Germany, HSH Nordbank Run. Each team, made up of family, friends and colleagues, runs the four-kilometre course together. With this event it's not a question of cracking records, but of having a 'fun run' combined with collecting for charity. The income from the event goes towards the Hamburger Abendblatt newspaper's campaign 'Children helping children'. Despite the wet Hanseatic weather, this year no less than 831 teams with around 24,000 runners took part, including 102 from REYHER. The HSH Nordbank Run is held every summer. REYHER was already participating for the eleventh time in succession in this event.
Further information about HSH Nordbank Run
REYHER sponsers Teams in the Formula Student
The Formula Student (FS) is the biggest competition worldwide for engineers, where over 500 Teams participate. Every year the goal of the competition is to design, produce, to test a race car and to compete against eachother at the end of the season in different countries on an Event.
The victory is going to the team which offers the best package in design, financial planning, selling point and performance on the race track. Different experts from the automobil, Motor sports and supplier industry will choose the wínner.
For the FS season 2015/2016 REYHER has sponsored three Teams with fasteners:
Technische Universität Hamburg Harburg
Fachhochschule Stralsund (Baltic Racing Team)
Technische Universität München
Urban Gardening
The Hamburg school "Rellinger Strasse" received from REYHER wooden pallet frames. The pupils built raised flower beds for the schoolyard with 24 wooden pallet Frames. They plant, harvest and take care of the flower beds.
The Raft - Schaluppe
The non-profit association for "mobile activities e.V." is a group of voluntary comitted people from Hamburg and refugees, who together wanted to realize the Project "Schaluppe - a raft for Hamburg". The aim is to build a free space for art and culture. The raft should be a meeting place for EVERYONE, run on a non-profit and non commercial base. Ther raft "Schaluppe" was built completly voluntary from 1st of July to 30th of September. On Septmeber 24 was the launching ceremony, a week later the raft was set on to the water.
It is 15 meters long and five meters wide powered by two outboard engines. The Floating bodies were welded by themself. The berth is the Billwerder Bay at the moment. There the marine equipment is installed and afterwards the hydraulic lowerabel upper deck is built. If all of this is done, the admission for small vehicles for internal waters can be chanced from temporary to permanent.
In spring 2017 the plan is to organize regional cruises with different events like cinema, theater and concerts on board of the raft.
Every single screw, which was installed, is from REYHER.
The culture raft "Schaluppe" - a project of the non-profit association for "mobile activities e.V."
Charity run in favor of the Department of Pediatrics ("Kinder-UKE") The Medical Center Hamburg-Eppendorf (UKE) organized the second charity run for the construction of the new Department of Pediatrics ("Kinder-UKE") on 17 September in Eppendorfer Park and on the UKE premises. REYHER is one of seven sponsors. Start and finish is in Eppendorfer Park. Two routes can be run: the "Park Round", which is especially suitable for children, through the Eppendorfer Park (1 km) and the "UKE Round" via the clinic grounds (2.5 km). For two hours, all runners can complete as many rounds as they like. For each round you will donate a certain amount. The running times are not measured, the fun of running and the commitment to the new Children's Hospital are in the foreground. Accompanying there is a colorful children's and sports program in the Eppendorfer Park; Parents and staff of the Department of Paediatrics and Youth offer cakes and drinks.
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Les Girls Les Boys
The new brand is inspired by watching her own kids move about the world, featuring a stunning line of garments for girls, boys, and some that both can wear. "Watching my kids grow into teenagers, I see how they live, what they wear, and what they hang out in," Serena says. "It totally inspired me to create this new brand that I think answers to today's youth. It's a new kind of sexy."
Described as "bed-to-street," the line of basics features a range of universal pieces that are perfect for spending a lazy day in bed but can also be thrown on to go to class. "Teenagers these days spend a lot of time in or around their bed. They watch TV in bed, they hang out on their phone in bed, they communicate with the whole wide world in bed. It's dressing for that lifestyle."
Available starting September 1, Les Girls Les Boys will be sold predominantly online. Check out some photos from the first A/W 17 editorial below.


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Really Riot you just officially made me want to never hurt the Rift Herald again
When you dance next to the poor innocent thing it dances as well. That is the cutest thing ever. The Herald makes the same dance if it is alive when a nexus tower gets destroyed {{sticker:slayer-jinx-catface}} . But now i feel bad whenever i attack it. The poor thing just wants to dance {{sticker:cass-cry}}
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Composite Acoustics OX Features:
- All Composite Acoustically Tailored™ construction for ultimate tone, durability and versatility
- Rigid one-piece neck/body construction for long-term stability
- Impervious to climate for consistent performance, wherever you go
- 14 fret to the body Carbon fiber neck for consistent playability (no truss rod adjustments needed, EVER!)
- Proprietary Reinforced Polymer Fretboard with 20 medium stainless steel frets, top dots & side dots
- 15 degree headstock pitch
- Proprietary carbon fiber bridge and saddle materials for maximum sound transfer
- Available with the L.R. Baggs Stage Pro Pick-up system with on-board EQ and Tuner
- Center sound hole with brushed stainless sound hole ring
- Performance tuned lightweight carbon fiber bracing
- Very smooth open-back tuning machines with 15:1 ratio
- Handcrafted in the USA by skilled technicians and craftsmen
- Neck Material: Carbon Fiber
- Neck Type: "C" Shape
- Hardware: Black Chrome
- Fingerboard: Proprietary Reinforced Polymer Fretboard
- Inlays: Side Marker, Aluminum Dot
- Frets: 21, 2.13mm wide, .99mm tall, Stainless Steel
- Bridge: Proprietary Carbon Composite
- Pickup Option: L.R. Baggs Stage Pro
Neck Diminesions
- Scale: 25 1/2"
- Nut Width: 1 3/4"
- Width at Last Fret: 2.25"
- Neck Thickness at 1st fret: .81"
- Neck Thickness at 12th fret: .86"
- Radius: 14"
Finishes Available:
- Raw


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You are invited to participate in a Unique Live Worship Project featuring the gifts and talents of the music ministries at St. Barnabas Episcopal Church in DeLand.
This Musical Litrugy will be recorded live and digitally released as a personal worship resource for the Church. The evening promises to be an interactive and powerful night of praise and worship for everyone.
The worship event will include a organ music, an orignal hand bell composition, as well as an original choir compostion of The Lord's Prayer. Other original and contemporary music arrangements will also be performed by the St Barnabas Acoustuc Band and guests as part of the evening's worship. You won't want to miss this opportunity to be blessed and to be a blessing.
Special Guest Roberts Liardon will share an important message about the power and mystery of faith. Roberts is an international speaker and has authored over 75 book titles, including the popular God's General Series.
Childcare will be provided and we would love for you to invite your family and friends to be a part of this wonderful event.
A free will offering will be received during the service.
Doors open at 6:40PM
Event starts at 7:00 PM
Call 715-340-4499 for more information.
Your attendance will help make this event energetic and life giving. Show your support for arts in worship by attending this free event. Please take a moment to also RSVP to this event on Facebook.


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Easter Quotes From Bible First of all, I wanna say a very Happy Easter To You. Easter is a great event in our religion and repeats itself every year. It is celebrated in the remembrance of our Dear God Jesus Christ. In this article, we are going to provide you with some best Easter Quotes […]
Category: Happy Easter Quotes
Easter Quotes
For all those who are really excited about the holy and blissful week of Easter 2020 to begin, there is some exciting update. This time around, you can make it extra special for your loved ones through Easter Quotes in this week of Easter. The gist of Easter is to get closer to God and there is no other better way to do it than to please His mankind.
We are all His creation and He gets really pleased if we are able to bring smiles to the faces of those around us. Easter time is an excellent opportunity for us to do this kind deed and Easter 2020 Quotes are just like a tool for us to achieve this beautiful goal.
Happy Easter quotes do not necessarily have to belong. Long writings can actually make the reader, in this case, your loved ones really bored. In order to make Happy Easter quotes exciting and interesting for those whom you care about, you can add the element of wit to them. Always make sure that whatever you are quoting is authentic as in the age of such technological development, one wrong quote can spread like wildfire and it is sinful to spread such invalid knowledge.
Do not just make wishing each other a happy Easter the whole purpose of sending Best Easter quotes to each other must inculcate some kind of religious knowledge in all our heads which is why research on good quotes that have a strong backing and are grounded with the Religious reality.
Easter Quotes based on baseless foundations leave the opposite impact and that is to impart the knowledge which is not even true. Always make sure that even if you are picking out quotes from the internet, you check their background and do not just copy, paste and send them away to your loved ones. Easter messages quotes do not necessarily have to be said by someone who is really important in Religious history. You can generate your very own Easter quotes that have prayers, best wishes and messages full of love for all those who are near and dear to you.
In the blissful week of Easter do not forget those who are not your direct relatives and are in need of love and warmth from fellow Christian. You can go to orphanages in the week of Easter, share the quotes with them, teach them other nice and religious related things along with providing them with food.
Follow these above-mentioned tips this Easter-related to Easter wishes quotes and celebrate the festivities of Easter and its bliss in a unique manner this time. Avoid using forwards quotes and clichéd messages as they are unable to leave any impact on the readers. Make good use of social media to spread Easter greetings quotes 2020.
50+ Best Happy Easter Religious Quotes 2020
Religious Easter 2020 Quotes: Easter is an extraordinary way of getting into the genuine soul of the religion and understanding what supplicating truly implies. There are different Religious Easter Quotes that are perused and executed each year. The effect of every one of these quotes is to a great degree colossal as Christians from all […]


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Join us for a special storytime for kids with autism and/or sensory disorders. Our program will feature books, music, fidget toys, crafts and more! Noise and/or behaviors are never a problem at the library!
10:30 am - 11:00 am
Sylvan Oaks Library
Sacramento Public Library
Sacramento4Kids is an online family resource guide for kids within the Greater Sacramento area. From Events, Arts & Music, Birthday Parties, Camps, Child Care, Classes, Deals, Discounts, Schools, Field Trips, Health Providers, Kids Eat Free venues, Places To Go, Sports, and for Special Needs children.
9245 Laguna Springs Dr.
Suite 200
Elk Grove CA 95758


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Given the rising power and varied use cases of APIs, combined with the popularity of JavaScript for building Web applications, Node.js has grown into a useful tool for many developers.
Node.js performs as a runtime environment for (mostly) server-side applications. But the fact that it is written in JavaScript makes it familiar to Web developers. Now, using this Google Quickstart you could easily build a simple Node.js command-line application that makes calls to the Google Apps Script Execution API.
The Execution API enables third-party applications to call an Apps Script project and receive a response, allowing easy integration with Google services for a range of uses. This CLI should only take about 5 minutes to create, and requires Node.js installed, as well as the npm package management tool (which comes with Node.js).
It is important to begin by setting up a target Apps Script to call with the API, and then install the client library and set up the sample using the code provided. Run the sample, provide access and your simple Node.js CLI should be calling your target Apps Script.


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No matter what type of business you're in, e-commerce is increasingly important to your bottom line. Over the past two decades, the Internet has fundamentally changed the way commerce takes place. Despite already enormous growth, it's showing no signs of slowing down. Between the last quarter of 2015 and the first quarter of 2016, total e-commerce grew over 15%.
If you need help capturing more e-commerce, you need to take a look at implementing an SMS marketing campaign. Here are four ways SMS has the power to drive e-commerce for any business:
- Incredible Response Rate
When you send an email or direct mailer, it's hard to know whether or not your message is actually getting read. With text messages, you can be certain they are. Amazingly, 98% of all text messages are opened by the end-user. Perhaps more importantly, 90% of those messages are read within the first three minutes. If you need to deliver an important message quickly, SMS is simply impossible to beat.
- The Mobile Audience is Enormous
Providing a direct connection to the mobile audience is another reason all businesses benefit from SMS. Here are somestatistics that show the increasing power of reaching out to mobile users:
- Just under 7 billion people own and use mobile phones.
- In North America, mobile traffic consists of 36% of all Internet traffic.
- 67% of all consumer are comfortable making purchases on their mobile devices.
- Almost 75% of users who makes a mobile search end up taking further action.
Clearly, there is an enormous mobile audience that is actively looking to use their mobile devices to research and make purchases. If you can reach them via SMS right on their phone, you'll have a significant advantage over the competition.
- Providing Free Added Value
Sales and promotions are a good way to drive immediate revenue, but they can be problematic. You'll make less profit on each sale. Beyond that, you could be training your audience to only make purchases when you're offering a discount. This ends up attracting customers who aren't as profitable as you'd like.
SMS, on the other hand, allows you to add value without taking money out of your pocket. You can use text messages to send shipment updates or an alert when an out-of-stock item is ready for purchase again. Another useful value-add is offering your SMS list early access to new products or existing promotions.
- Dynamic Targeting
When somebody opts into SMS marketing, you can begin gathering information and segmenting them automatically. One good way to take advantage of this is by creating different lists for users who look at specific products or services. You can even set-up an automatic text message campaign to begin the day after a user creates a shopping cart and then ends up abandoning it. You can create as many dynamic campaigns as you want and rest assured that your customers read the messages.
Has SMS helped you drive digital sales? Make sure to leave any suggestions or questions of your own in the comments below!
Author Biography
Sophorn Chhay
Sophorn is the marketing guy at Trumpia, a mobile content delivery service that allows users to customize their one-to-one marketing efforts by interconnecting and optimizing all digital platforms. As an innovator in two-way SMS messaging, Trumpia's mission is to empower brands and public figures with interactive access to their audiences, reaching targeted affinity groups in a personal way. Trumpia delivers world-class content such as video, ticketing, polling, products sales, contests and giveaways.
Follow Sophorn on Twitter(@Trumpia), LinkedIn, Facebook and Google+
- Jumpstart your business by grabbing your free copy of his powerful Mobile Marketing Success Kit.
- Watch Trumpia's 5-Minute Demo on how to execute an effective mobile marketing strategy.


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Web application Sharing including ASP, ASP.NET 1.0 (C#) AND ASP.NET 2.0 (C#) MS SQL 2005 Server, Life, Travelling
Monday, August 20, 2007
The name 'xxx' does not exist in the current context
When i build my ASP.NET (C#) project in Visual Studio 2005, i got this error message "The name 'Panel2' does not exist in the current context" displayed and the problem is in default.aspx. My code definately have no problem. After debuging and searching for while, i found out the that problem is cause by the back up copy from the same file (copy of default.aspx) that i forget to exclude from the project. The problem solved after i exclude the file from the project.
7 comments:
- Tomas! said...
Thanks for your post!
It took me 2 days (not entirely, of course) to realize that I'd made a backup copy of my file.
Your post helped point out my problem.
- December 19, 2007 at 2:01 PM
- In blues said...
Welcome Tomas. Happy if able to help to solve your problem :)
- December 19, 2007 at 6:51 PM
Thank you, thank you, thank you!
Solved my problem!
- November 17, 2008 at 12:25 PM
Same here THX
- December 5, 2008 at 7:31 AM
- Unknown said...
Thanks! I was getting mad with that error.
- July 30, 2009 at 4:43 PM
Hello i'm having the same problem, but cant solve it, i had a copy from an existing project, adding the file from it, in my slution y just have one file, y deleted the files, recreated, and still have the same problem. plz help!
- November 27, 2009 at 9:52 PM
- Unknown said...
Excellent post. Thanks!!!!
- May 5, 2011 at 12:09 AM
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Optogenetics, the intersection between physics and neuroscience: Light stimulation of neurons in physiological conditions Wei Deng , Ewa M. Goldys , Melissa MJ Farnham , Paul M. Pilowsky
American Journal of Physiology – Regulatory, Integrative and Comparative Physiology Published 1 October 2014 Vol. no. , DOI:10.1152/ajpregu.00072.2014
The Abstract can be viewed on PubMed here


text: A nice cool day. I went down to aunt Sarahs in the morning to the girls room and stayed all day. Nellie Bouck and Helen Martain came in the after noon. Wrote a letter home. Called at Aunt Sarah's in the evening. Nellie and I went back to the girls room and we four ate a basket of grapes.


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Old Saybrook: Guitarist Ronnie Earl takes the stage at the Kate Jan. 10
OLD SAYBROOK >> Blues guitarist Ronnie Earl, a two-time W.C. Handy Blues Award winner as Guitar Player of the Year, is bringing his talent to The Katharine Hepburn Cultural Arts Center on Friday, Jan. 10 at 8 p.m. Earl has served as an Associate Professor of Guitar at Berklee College of Music and has taught at the National Guitar summer workshop in Connecticut.
Earl's discography includes acclaimed albums on Stony Plain Records, Black Top, Bullseye Blues, Verve, and Telarc. In 2008, Ronnie Earl and the Broadcasters celebrated 20 years as a band and two years later in August 2010, Ronnie Earl and the Broadcasters released the album Spread the Love to wide critical acclaim. Blues fans are awaiting the band's next release, Just for Today, a live album recorded at three venues in Massachusetts.
Ronnie Earl has played alongside such legends as Hubert Sumlin, Earl King, Muddy Waters, Junior Wells, Kim Wilson and the Fabulous Thunderbirds, Jimmie Vaughan, Stevie Ray Vaughan, Carlos Santana, Eric Clapton, The Allman Brothers Band and many others, including B.B. King. To purchase tickets or to obtain further information about this performance, visit www.katharinehepburntheater.org, or call 860-510-0473.


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Tulip Wooden Single Wine Bottle Holder Rack Handicraft
Impress your guests with this wooden wine holder. Its unique tulip-like design surely adds elegance to your dining set-up.
Maintaining the original color, form and natural attributes of the wood, one item will not be the same as the next one.
Material: mahogany
Height: 13 to 13.5 inches
Base size and width varies but is proportional to the entire design of the wine holder
DISCLAIMER: Dimensions are approximate measurements, please give an allowance.
For customized specifications, please email firstname.lastname@example.com with details of your request.


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Press Room
March 1, 2019OLYMPIA -- March 1, 2019 -- Today, the State Senate voted to transition Washington to 100 percent clean electricity by 2045 on a 28-19 vote. This is the first of a suite of critical bills to address climate pollution to move this year. Read more
February 25, 2019
February 1, 2019The Oregon Legislature has released a draft of the Clean Energy Jobs bill. Climate Solutions is focused on passing a strong policy that reduces emissions quickly, holds polluters accountable, invests in clean energy projects across the state, and ensures a majority of investments benefit those most impacted by climate change. Read more
January 24, 2019a joint statement from Climate Solutions and Audubon Washington This morning, the House Environment & Energy Committee voted to move HB 1110, the Clean Fuel Standard, out of committee. The bill will now move to the House Transportation Committee. Concurrently, the Puget Sound Clean Air Agency (PSCAA) said it will proceed with rulemaking for a regional Clean Fuel Standard for King, Pierce, Kitsap, and Snohomish counties. Read more
January 15, 2019Testimony focused on increased job and economic growth opportunities, climate and public health benefits. Read more
December 10, 2018As Governor Inslee announces his climate agenda for 2019, a new post-election poll shows that a majority of voters support policies to accelerate solutions to the climate crisis. Read more
September 13, 2018Climate Solutions presents new research demonstrating the feasibility of a clean-energy Pacific Northwest power grid. Read more
September 7, 20189th Circuit upholds lower court ruling, dismissing oil industry challenge to Oregon's low carbon fuel standard Read more
March 9, 2018Utilities obstructed the passage of HB 2995, a measure backed by a coalition of labor, environmental, clean energy and conservation organizations that would have led Washington State to a fossil fuel-free future. Read more
February 14, 2018Press Release: Oregon's Clean Energy Jobs Bill passed out of House and Senate committees Read more


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This weekend, the New York Times published an article about a trend in bride's spending that we could have predicted: while many brides are saving on under-$1,000 dresses, they're opted to splurge on the accessories, from shoes to jewelry, veils and more.
This makes perfect sense to us: the gown you'll never wear again, but the glitter Louboutins? They'll be around forever (can you say, New Years Eve shoes?). If you're a shoe whore or a bag hag or just a lover of all things glittery and designer, check out our picks:
Shop our guides to the best wedding costume jewelry, black bridesmaid dresses, and simple wedding dresses.


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"The term "power lunch" went out after the 80s along with awesome phrases like "gag me with a spoon," but meeting for a meal with a potential client, investor, or business partner remains an excellent way to network and connect with folks who could help further your career. Breaking bread with another person creates a more intimate and casual connection and can foster positive bonds and good feelings.
But only if you handle it like a pro. Because sharing a meal also tends to reveal more about you and your habits, which makes you more vulnerable to doing something that will turn off the person you're trying to woo. So it pays to prepare."
Written By: BRETT & KATE MCKAY To read full article click here


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I know this one is quite unspectacular and still far from perfect … but it is the first part of real use I made, and will join a linear drive with some sheetmetal assembly instead of a part made from aluminum.
Notice the entries for hex nuts inside the bore which can not easily be produced through mold flow technique.
It is especially designed for - and only available with - generative methods