text:
Web site creating is among the easiest things to do these days given that there are thousands of web sites which give you sub domain names, vacuum and editing devices completely free. It is excellent to recognize that whatever you intend to share to the world can be conveyed in not more than a 30 mins of work, which is the quickest time needed a create a short as well as straightforward web page. If this is the first time you have actually ever thought about developing a websites, after that I would certainly recommend producing a simple page in Google Pages. You can check in with your Gmail id and also a password for creating website in Google Pages. You will certainly get an easy wizard to obtain started. You could additionally attempt creating one in Yahoo Geocities.
When you finish creating greater than 5 to 6 web pages like this, you will certainly obtain a smart idea of website creation. You need to after that adhere to the following action to tell the world concerning your easy websites. By sending your URL to Google as well as various other search engines, the pages in your site will be indexed and also included in the search results. If you wish to become much more expert, then it will assist to understand the essentials of HTML. You do not have to create each line for the HTML code for your website, but recognizing HTML aids you to become more imaginative as well as at some point you will begin editing and enhancing the HTML by putting free JavaScript codes. You will certainly be able to obtain a lot of free JavaScript codes on the internet which will certainly provide extra capability to your site. But once again, you need not even bother concerning exactly what the code consists of, You merely need to understand that it is possible to edit HTML code by inserting these complimentary javaScript codes and make your internet site a lot more specialist as well as eye-catching.
Login to your favored online neighborhoods as well as share your website. If you obtain great comments, you can then start utilizing your website URL as a part of your signature. This will certainly not just make your website famous, however it will certainly likewise assist you obtain even more backlinks for your web site. There is a great deal of cost-free web site content readily available on the web which you could use for producing a growing number of web pages with Créateur de sites pour l'hôtellerie et la restauration. Use internet site monitoring solutions like Google Analytics as well as gets even more suggestion regarding the site visitors you get. In regarding a few months, you will certainly be confident to develop a much better internet site than the one you have currently developed.


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This newsletter could only be written by someone with Bill's wealth and experience. He has set up businesses on six continents with thousands of employees. Bill himself has made investments on five continents and has launched over 1,000 products. Learn More
Exponential Tech Investor is an investment advisory service focused on identifying small- and micro-cap technology companies. With each monthly issue of Exponential Tech Investor, you'll see Jeff Brown's knack for identifying game-changing tech companies in action. Learn More.
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subset: commoncrawl


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Welcome to the Asia Stocks live blog, a running account of what the region's share markets are doing, along with other news. Today, the agenda includes a final read on HSBC\'s China manufacturing report, and central-bank rate decisions from both Australia and India.
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- Oldest
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- 7:42 pm
- Decision time in Sydney and Delhi
- by Mike Kitchen
- Add a Comment
While today features not one, but two rate calls from major Asian central banks, neither is expected to bring any change to current policy, though for different reasons.
First there's the Reserve Bank of Australia, slated to hand down its decision at 12:30 a.m. U.S. Eastern time. According to Rivkin, markets have priced in a 98% chance that the RBA will again stand pat, with the central bank having forecast "a period of stability in interest rates" following its last several meetings.
Meanwhile, the Reserve Bank of India is also predicted to keep rates on hold, though with slightly less certainty. The current meeting is the first since the election, and HSBC's Asia research co-chief Frederic Neumann sees the RBIA as likely to wait to see the new budget, as well as weather forecasts that could point to a weak monsoon season due to El Niño.
"Things remain tricky for the RBI. The economy's growth performance isn't what it used to be. True, improved sentiment may unlock pent-up spending by households and firms. But underlying constraints remain: cautious banks, weighed down by shaky assets, infrastructure projects stuck on the drawing board, lack of power, and above all, entrepreneurial spirits tangled up in red tape," writes Neumann.
The RBI decision is due at 1:30 a.m. Eastern time.
(Updates to correct U.S. times for the rate decisions)
(Pictured: The Reserve Bank of India building in New Delhi)
- 8:25 pm
- Japan: Data to yen to stocks
- by Mike Kitchen
- Add a Comment
You know the drill: When the U.S. gets good data, investors often sell Treasurys. When Treasurys move lower, their yields rise, and so the dollar usually rises too. When the dollar rises (and the yen falls), Japanese stocks tend to move higher.
And so it is today — Strong U.S. and Chinese manufacturing numbers have boosted the greenback at the yen's expense, with the dollar currently buying ¥102.45 against ¥102.04 at yesterday's Tokyo stock close.
Thus, the Nikkei Average is up 0.9% (though off its opening 1% gain) at 15,065, surpassing the 15,000 level for the first time since early April. This, after a 2.1% rally yesterday. Likewise, the Topix is up 0.8% in early moves.
Foreign buyers are playing their part in driving up the market, with Dow Jones Newswires reporting the highest net purchases since April 2 by offshore accounts this morning at the six foreign brokerages it monitors.
As would be expected with the weaker yen, tech and industrial exporters are among the leading gainers, with Hitachi up 1.4%, Mitsubishi Electric up 2%, Kyocera up 1.7%, and Panasonic up 1.2%.
The top financials are also enjoying robust buying, with Mitsubishi UFJ up 1.5%, Sumitomo Mitsui Financial Group up 1.9%, Nomura up 1.8%, and Daiwa up 2.3%.
Autos are also advancing, though taking smaller steps: Toyota is up 0.8%, Honda is up 0.6%, Nissan is up 0.9%, and Mazda is up 1.6%.
Shares of Nintendo are outperforming the wider market, rising 1.3% after announcing banner first-weekend sales for its Mario Kart 8 videogame, making the release its fastest-selling title ever for the Wii U console.
Japan Airlines is lagging the rally, rising just 0.2% after its chairman said the carrier is considering a new order for short-haul airplanes.
And back in the tech sector, Renesas is sporting a 2.2% improvement after unveiling a new USB power-delivery controller.
- 8:50 pm
- Advantage: bears
- by Mike Kitchen
- Add a Comment
Australian bears have eaten all of the market's opening gains and then some, with the ASX 200 currently down 0.3%, to pare yesterday's 0.5% advance.
The moves come ahead of key risk events for Aussie stocks, including domestic retail-sales data, Chinese manufacturing data, and a rate decision from the central bank. (OK, maybe that last one isn't really a "risk" event, given the likelihood of no action from the Reserve Bank — see previous post in today's blog.)
Among the movers, renewed weakness for iron-ore prices has Fortescue Metals down 0.2%, Mount Gibson Iron down 0.4%, and Atlas Iron down 1.2%. Gains for copper futures, however, are helping BHP Billiton rise 0.4% Rio Tinto improve by 0.7%, and Oz Minerals rally 2.8%.
The big banks are weaker (CBA down 0.4%, Westpac down 0.3%), and the retailers are also lower ahead of the sales data (Harvey Norman down 1.4%, and Myer down 1.6%, though David Jones is managing a 0.1% rise).
And shares of Telstra are down 0.4% after Credit Suisse cut its rating on the stock to neutral from outperform, citing new mobile-phone pricing plans at its Singapore-owned rival Optus.
- 8:57 pm
- Markets check -- 9:57 a.m. in Tokyo
- Add a Comment
Tokyo (Nikkei Average) up 0.8%
Sydney (S&P/ASX 200) down 0.3%
Seoul (Kospi) down 0.3%
- 9:52 pm
- Australia data: Retail rises, current account improves
- by Mike Kitchen
- Add a Comment
Australia's retail sales held to their growth path in April, much as expected, chalking up a seasonally adjusted 0.2% increase during April.
The result was in line with the average forecast from a Dow Jones Newswires survey of economists, representing a mild acceleration from March's 0.1% gain.
The Australian Bureau of Statistics said restaurants and takeaway food services showed the most improvement, followed closely by household goods. On the other hand, department-store sales were more or less flat from the previous month.
Meanwhile, the retail stocks profited not from the numbers, with many of the big players still trading in negative territory. Among them, Harvey Norman is down 1.3%, Myer is down 1.8%, and David Jones is flat.
In better macroeconomic news, a separate data report showed the current-account deficit narrowing sharply in the first quarter, thanks to an increase for mining exports.
The deficit eased to a seasonally adjusted 5.67 billion Australian dollars ($5.25 billion), compared to expectations for a A$7 billion gap, according to Dow Jones Newswires. The fourth-quarter deficit was A$11.71 billion, according to revised figures.
The data helped push the Australian dollar up to 92.54 U.S. cents from about 92.40 cents ahead of the data.
- 10:04 pm
- China data: Mild disappointment
- by Mike Kitchen
- Add a Comment
It's been mostly good news on the Chinese manufacturing front so far this month, but the final read on HSBC's Purchasing Managers' Index is a bit of a bummer.
HSBC and data partner Markit revised down their preliminary "flash" PMI result to 49.4 from 49.7, though the print still marked a solid improvement from April's 48.1.
Nonetheless, the headline number remained below the 50 level dividing growth from contraction, with HSBC summing up the result as meaning "operating conditions in China's manufacturing sector deteriorated only marginally in May."
Commenting on some of the report's subindexes, HSBC chief China economist Hongbin Qu said: "New orders stabilized, while new export orders recorded an impressive expansion of 53.2. But growth momentum looked weaker than suggested in the flash reading, as the stocks of finished goods index was revised up to 49.8 from 48.8 in the flash reading."
"The final PMI reading for May confirmed that the economy is stabilizing, but it is too early to say that it has bottomed out, particularly in light of a weaker property sector," Qu said.
Market reaction was broadly negative. The Hang Seng Index, which began the session 1.1% higher, trimmed that gain to 0.3%. The Shanghai Composite saw less of a hit, easing to a 0.3% advance from a 0.4% rise pre-data.
And the Australian dollar — which tends to react from news out of Australia's top trading partner — fell to 92.38 U.S. cents from 92.54 U.S. cents.
- 10:08 pm
- Markets check -- 10:08 a.m. in Hong Kong
- Add a Comment
Tokyo (Nikkei Average) up 0.7%
Hong Kong (Hang Seng Index) up 0.5%
Shanghai (Shanghai Composite Index) up 0.3%
Sydney (S&P/ASX 200) down 0.2%
Seoul (Kospi) down 0.1%
Taipei (Taiex) up 0.2%
- 10:21 pm
- Hong Kong starts June with gains despite cut to China data
- by Laura He
- Add a Comment
Hong Kong stocks are advancing on the first trading day in June, with the Hang Seng Index up 0.6% early, though the index is off its opening gain of 1.1% after HSBC's monthly report on Chinese manufacturing came in weaker than a preliminary version of the data (see earlier post on today's blog).
The Shanghai Composite Index is also off to a good start, rising 0.3%, with both the Shanghai and Hong Kong markets returning from a three-day weekend to mark the Dragon Boat Festival.
Major mainland Chinese banks are well bid in early action, with Agricultural Bank of China climbing 2.6%, China Merchants Bank gaining 1.7%, China Minsheng Banking Corp. rising 1.6%, and ICBC up 1.4%.
Shipping stocks are also higher, as Cosco Pacific jumps 3.9%, SITC International Holdings advances 1.8%, and China Shipping Container Lines moves up 1.6%.
Other top gainers include software provider Kingdee International (up 5.1%), cement maker Anhui Conch Cement (up 3.2%), local peer China Resources Cement Holdings (up 3.1%), and computer maker Lenovo Group (up 3%), though of those, only Lenovo is a constiuent of the Hang Seng Index.
Meanwhile, severel Hong Kong retailers are on the decline, as cosmetics chain store Sa Sa International Holdings falls 2.3%, rival Bonjour Holdings drops 0.9%, and jewelry brand Luk Fook Holdings edges lower by 0.2%.
- 11:15 pm
- Markets check -- 11:15 a.m. in Hong Kong
- Add a Comment
Tokyo (Nikkei Average) up 0.8% (at break)
Hong Kong (Hang Seng Index) up 0.7%
Shanghai (Shanghai Composite Index) up 0.2%
Sydney (S&P/ASX 200) down 0.3%
Seoul (Kospi) down 0.2%
Taipei (Taiex) up 0.2%
- 12:22 am
- ... And in other news
- Add a Comment
Here are some more news items making headlines in Asia today:
China service sector improves in May
Taiwan manufacturing picks up pace in May
South Korea inflation hits 19-month high
- 12:22 am
- Samsung's 'mother' goes to market
- by Laura He
- Add a Comment
The great family of Samsung stocks are trading mostly higher in South Korea markets today after Samsung Everland, the de-facto holding company of Samsung Group, announced it would seek an initial public offering by the first quarter of next year.
In a statement out earlier today, Samsung Everland said the purpose of its IPO would be to raise capital and expand overseas, adding it would select bookrunners sometime this month.
Speculation has been rife about the future of the family enterprise since Lee Kun-hee, chairman of Samsung Electronics, was hospitalized for a heart condition last month. Analysts expect the move to list Samsung Everland would speed up the transfer of control of the group from Lee to his children, including his son Jay Y. Lee and daughters Lee Boo-jin and Lee Seo-hyun, who all hold major stakes in Everland.
Shares in members of the Samsung chaebol included some decent rallies, with Samsung C& T Corp. up 4.5% and Samsung SDI up 3.6% in Seoul afternoon trade. Flagship Samsung Electronics also outperformed, rising 0.8% against a flat performance for the benchmark Kospi.
However, some Samsung firms traded lower, including Samsung Electro-Mechanics (down 0.3%) and Samsung Heavy Industries (down 1.4%).
- 12:23 am
- Markets check -- 1:23 p.m. in Tokyo
- Add a Comment
Tokyo (Nikkei Average) up 1%
Hong Kong (Hang Seng Index) up 0.7% (at break)
Shanghai (Shanghai Composite Index) up 0.2% (at break)
Sydney (S&P/ASX 200) down 0.4%
Seoul (Kospi) flat
Mumbai (Sensex) up 0.2%
Taipei (Taiex) up 0.4%
- 12:53 am
- Australia rate decision: Another re-run
- by Mike Kitchen
- Add a Comment
Once again, the Reserve Bank of Australia met expectations by holding its policy cash rate at a record low 2.5% and issuing a statement with few changes from last month's missive.
Most importantly, RBA Gov. Glenn Stevens kept the language "the most prudent course is likely to be a period of stability in interest rates" in today's statement, with the wording identical to his May 6 post-meeting language.
Among the few items that were new this month:
1) A housing recovery: "Moderate growth has been occurring in consumer demand, and a strong expansion in housing construction is now under way."
2) While the statement's comment on the Australian dollar being high "by historical standards" was repeated, this time Stevens added a rationale, saying the Aussie was high "particularly given the further decline in commodity prices."
3) Exports rebounding … for now: Stevens partly attributes the improving economy to "very strong increases in resource exports as new capacity has come on stream, but smaller increases in such exports are likely in coming quarters."
Meanwhile, the market reaction is best summarized by the word "meh." For one thing, the Australian dollar seemed unsure what to make of the no-surprise decision: It was at 92.54 U.S. cents a minute ahead of the announcement, then rose to near 92.65 cents in seconds, then fell to 92.44 cents, then moved back up and is currently at 92.55 cents — more or less a wash.
The stock market also ignored the RBA, with the ASX 200 holding to its 0.4% loss.
- 2:05 am
- India keeps rates unaltered
- by Mike Kitchen
- Add a Comment
The Reserve Bank of India's policy decision is out, with rates on hold as expected, but with the central bank also making a tweak to improve liquidity.
In terms of the headline moves, the key repurchase rate stayed at 8% — where it has been since January — while the cash reserve ratio remained at 4%.
What did change was the statutory liquidity ratio, the required level of securities which banks must keep at the central bank. The RBI cut the ratio by a half point to 22.5% of deposits, effective June 14, in a move that could make credit more available. It also made some adjustments to the RBI's export credit refinance facility.
In his policy statement, RBI Gov. Raghuram Rajan repeated the central bank's commitment to curbing inflation, targeting 8% consumer inflation by January and 6% by the start of 2016.
But Rajan also sounded a slightly dovish note on the outlook, saying: "If the economy stays on this course, further policy tightening will not be warranted. On the other hand, if disinflation, adjusting for base effects, is faster than currently anticipated, it will provide headroom for an easing of the policy stance."
The rupee gained a little bit of ground following the decision, with the dollar easing to 59.15 rupees from 59.19 rupees just ahead of the announcement.
Stocks, however, fared slightly worse, with the Sensex moving from a 0.2% gain to a 0.2% loss before moving back to the flatline about 30 minutes after the decision. The Nifty was down 0.1%, having sat on a 0.1% gain before the RBI's move.
- 3:09 am
- Markets check -- 3: 09 p.m. in Hong Kong
- Add a Comment
Tokyo (Nikkei Average) up 0.7% (closed)
Hong Kong (Hang Seng Index) up 0.7%
Shanghai (Shanghai Composite Index) down 0.1%
Sydney (S&P/ASX 200) down 0.7% (closed)
Seoul (Kospi) up 0.3%
Taipei (Taiex) up 0.5% (closed)
- 3:32 am
- China skeptics on the wrong side of history
- by Laura He
- Add a Comment
Those skeptics who are bearish on China would be on the the wrong side of history, Dennis Gartman, editor and publisher of The Gartman Letter, said so on Monday.
The latest manufacturing data in May indicated China's economy is moving stronger and will continue to do better, said Gartman on CNBC's "Fast Money."
"So if that makes me a China bull, I've been one for a long time—I will continue to be one," he added.
- 4:05 am
- Markets check -- 4:05 p.m. in Hong Kong
- Add a Comment
Tokyo (Nikkei Average) up 0.7% (closed)
Hong Kong (Hang Seng Index) up 0.9% (closed)
Shanghai (Shanghai Composite Index) flat (closed)
Sydney (S&P/ASX 200) down 0.7% (closed)
Seoul (Kospi) up 0.3% (closed)
Taipei (Taiex) up 0.5% (closed)


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Has anyone tried these for listening to tunes while in the shop? To overcome the dust collector and air cleaner, my ipod has to be way too loud.
Hearing protection and music all in one or a waste of precious tool $?
Has anyone tried these for listening to tunes while in the shop? To overcome the dust collector and air cleaner, my ipod has to be way too loud.
Hearing protection and music all in one or a waste of precious tool $?
I'm on my second pair of Bose Quiet Comfort 2. I mistakenly sold my first pair to my uncle and found NOTHING compares to the quality of sound, extended use comfort, and overall value.
They're PRICEY but for me, 100% worth it!
I aggree, for sound there is much better but I woun't get in to that discussion here that is a headfi.com subject. However you have to remember the boes are optomised to perform well on a airplain which is a similar sound to the dust collector. For price vs performance in a shop envirnment I think it would be hard to beat.
I sometimes worry about the added distraction music might cause which is why I haven't gone this route yet. I read at least one post here where someone injured themselves and felt that the music contributed to the injury.
Rob, I just use a standard pair of in-ear buds (the kind with soft silicone tips) and then put on a regular pair of earmuffs over that. I haven't found that the small wires coming out from under the muffs causes any noticeable decrease in the effectiveness of the muffs. The nice thing about this setup is that when I turn off the noisy machines I can just take off the bulky earmuffs and still listen to my music. Plus it is a lot cheaper than the Bose. I'm sure the Bose sounds better, but this works well for me. The in-ear buds by themselves seem to provide adequate sound isolation when using quieter machines (like the drillpress). I even use the earbuds and muffs setup when I do yard work (mowing, weed eating, blowing leaves, etc.) One word of caution though: Run the wires for the headphones INSIDE your shirt. I run mine down the back of my shirt and put my mp3 player in my back pocket with any extra wire wrapped around it. This keeps the wires from snagging on anything around the shop.
If I could ever finish working on my shop, maybe I could find the time to start working in my shop.
I won a pair of the Bose QC3 headphones and they are awesome for listing to iPod. I work in my shop and ride the lawnmower and it is amazing how little ambient sound gets in.
If I hadnt won them, I would have likely purchased them if I had tried them - they really are impressive.
Rob, there's some good info here: http://www.sawmillcreek.org/showthread.php?t=74430
Please help support the Creek.
My mechanic told me, "I couldn't repair your brakes, so I made your horn louder."
- Steven Wright
Something to be mindful of almost all of the electronic noise cancellation headphones, is that there is only about 10dB attenuation at 300 Hertz and below.
A dramatic change on an airplane maybe - but your power tools and vacs and DCs have a large high frequency componant that the headphones will not attenuate appreciably.
Don't be fooled into thinking you are protecting you hearing, because there is less bottom end getting to your eardrums, and it sounds "better".
Real hearing protectors block almost the full sprectrum by 25-30dB,
a much greater margin of safey.
If you are worried that the cancelling earphones are inadequate, you might try isolating earplugs. I have used the Emtymotic ER6I-B Isolator Earphones for a few years now. They are not as expensive as Bose, but still cost ~$70-$90. The ER6i model is actually their cheapest isolating earplug, as their most expensive is as much as the Bose headsets. The cheapest price I have found for the ER6i is $72.99 on EBAY. They insert in your ear and almost eliminate outside noise. I have to remove them if I want to listen to what the wife is saying. (Sometimes I leave them in! ) While they might not fit all ears, they come with different sizes of replaceable plugs. I never liked earmuffs anyway because they get hot and wet when I sweat!
I just got a pair of these and they work great. They are a little big, but really cushioned....
The WorkTune manufacturer page show attenuation over frequency in the specs sheet.
Far more info than the "wear on the airplane" brands, and far better specs.
Not cute or shiny or foldable, but I will bet they work well.
They do not allow outside audio to reach your ears any higher than 82dB.
If that is true - that would mean that by Canada's labour laws or the States' (I bet), you could wear them for an eight hour shift and still not have endangered your hearing.
Whether you get the Shures or the Etymotics, though, either one works much better than the noise cancelling headphones.
I'm using these-
They are great hearing protection, but they have a volume control to let you hear am/fm radio or conversations, but when the noise starts (even dropping a wrench), they instantly shut down to protect your hearing.
For just listening to tunes, I would also consider a good set of ear buds under a comfortable headset, but you would miss out on being able to hear a conversation or someone calling you, or the phone ringing.
I really want a Bose Quiet Comfort 2 that can pick up my mp3s via Bluetooth (or equivalent).
Even wired in to my mp3 player, I can listen to music at a comfortable level while the tools are suppressed yet still hear the phone. I really don't like the wire, though. I find it distracting.
Deflation: When I was a kid, an E-ticket meant I was about to go on the ride of my life. Today, an E-ticket means a miserable ride.


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News Flash: Bitcoin is NOT Too Big to Fail
Throughout our lives, unfortunately, some of our most embarrassing experiences tend to stick as permanent fixtures in our memories.
The same goes for Wall Street, too.
When things decline, people tend to remember. And when things decline a lot, people are sure to remember the date, engraving it into the collective consciousness for all time.
Within the past century, humanity has witnessed some of the greatest market crashes of all time… and they are certainly not easily forgotten, much to Wall Street's chagrin.
The greatest crashes in history have taught us valuable lessons. But perhaps the greatest lesson of all is this: Things get big before they blow up.
The stock market crash of October 29, 1929, ominously dubbed Black Tuesday, has to be one of the most notorious crashes of all time.
Over $30 billion in market value was lost that day, equivalent to $396 billion today, making it the worst decline in all U.S. history.
It was definitely an event that was ingrained into my school's history lessons.
In the aftermath of Black Tuesday, America and the rest of the industrialized world spiraled into the Great Depression, the deepest and longest-lasting economic downturn in the history of the entire Western industrialized world.
During the 1920s, the stock market underwent rapid expansion, reaching its peak in August 1929, after a period of wild speculation.
By then, production had already declined and unemployment had risen, leaving stocks in great excess of their real value. Among other causes were low wages, the proliferation of debt, a struggling agricultural sector, and an excess of large bank loans that could not be liquidated.
Trading on Black Tuesday began with another down day after a correction just a few days before. However, the Dow fell 12%, and panicked investors sold over 16 million shares.
The crash followed an asset bubble. Since 1922, the stock market had risen nearly 20% a year.
And everyone invested thanks to the financial invention of buying "on margin." It allowed people to borrow money from their broker to buy stocks, only needing to put down 10–20%. Investing this way contributed to the irrational exuberance of the Roaring Twenties.
The crash literally wiped people out. They were forced to sell their businesses and cash in their life savings. They lost faith in Wall Street.
And you can't have a healthy economy without the people's confidence in the market.
Last month marked the 30th anniversary of another one of the worst days in stock market history. Black Monday, as the day came to be known, is part of financial history's fossil record.
On Monday, October 19, 1987, following large declines on Asian and European markets the previous week, the Dow plunged 508 points, or 22.6%, for the biggest single-day decline in percentage terms by the blue-chip benchmark.
While it didn't usher in another Great Depression, it was the first time computer-driven trading had ever run amok.
The cause of the 1987 crash was primarily program trading, used by institutions to protect themselves from significant market weakness.
However, the program trading only exacerbated market weakness even though it was originally designed as a hedge.
The programs automatically began to liquidate stocks as certain loss targets were hit, pushing prices even lower. Then, the lowered prices fueled more liquidation, with stocks dropping nearly 23% in just one day.
Investors and regulators learned a good lesson from the 1987 crash, specifically with regards to the dangers of automatic or program trading.
In these types of programs, human decision-making is taken out of the equation, and buy or sell orders are generated automatically based on the levels of benchmark indexes or specific stock.
In a disorderly market, humans are needed more than ever to assess the situation and possibly override the system when things start snowballing out of control.
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Mortgage crisis. Credit crisis. Bank collapse. Government bailout. These are the phrases that made headlines all throughout the fall of 2008.
October 2008 proved to be an extremely volatile month, as investors began reacting to the worrisome credit market news that started back in March.
During the years preceding the credit market collapse, the subprime mortgage industry thrived.
Anyone could get a loan, regardless of their credit history and whether or not they would be able to actually pay back the loan. But as long as housing prices were on the rise, these poor lending practices were simply ignored.
Lenders could afford to write bad loans as long as the homeowner's equity outpaced their desire for new debt. If borrowers failed to pay back their loans, lenders could simply foreclose on the home, since it was an asset of ever-increasing value.
The credit market's problems began when housing prices started to fall sharply in 2007. Homeowners frequently found themselves with underwater loans: They owed more than the home was worth.
When faced with this, homeowners no longer feared foreclosure. Some even abandoned their homes, choosing to start over elsewhere rather than worry about paying off their debts.
As mortgage defaults started to rise, the national economy faltered. The Bear Stearns, Fannie Mae, and Freddie Mac collapses only weakened it further.
The stock market crash hit right at the beginning of October 2008. During the first week, the Dow fell 1,874 points, or 18%, and the S&P 500 fell more than 20%. Throughout the rest of the month, the indexes would fall even more.
Once complete destabilization of the stock market took hold, the major sell-off of stocks triggered an even larger decline of the market.
It took the U.S. economy years to finally reemerge from the Great Recession, and its lasting effects can be felt even today.
Bitcoin, Yours Is Coming, Too
It would be comforting to believe that nothing like this could ever happen again. But alas, that kind of panic can certainly become another horrific reality.
Case in point: Bitcoin.
It would seem that Bitcoin is "too big to fail" at this point, after reaching record highs of well over $7,000 not too long ago.
The value of the cryptocurrency has dramatically increased over the course of 2017, but according to investment and financial advisors, a crash is imminent.
Just this past weekend, Bitcoin saw almost $2,000 wiped off of its value, largely due to the fallout from the scrapped Segwit2x proposals.
By Sunday morning, Bitcoin sat at just over $5,600, the lowest it's been since late October, when it experienced a sudden surge in value. Since then, the currency has seen incredibly wild price fluctuations of as much as $1,000 over the course of 24 hours.
It's unclear what this shift will mean for future trading. Perhaps this instability highlights the perfect opportunity to move your money out of Bitcoin and into a much safer alternative.
Although the Bitcoin revolution may be nearing its end, there are other cryptocurrencies that are far more advanced than Bitcoin itself and lack some of their predecessor's built-in weaknesses.
Most of these "altcoins" are tiny in comparison, but a select few are destined to achieve, and perhaps even surpass, Bitcoin's size, success, and popularity.
In anticipation of the Bitcoin bubble bursting, my colleague Alex Koyfman spent months researching and sifting through the masses of altcoins to see which ones the next crypto bull market will pick next.
And he's unearthed the next two winners from hundreds out there.
Click here to access his report.
Until next time,
Briton Ryle
P.S. Make sure to check out our recent Investing After Hours podcast, where I talk about algorithm trading, ETFs, and some of the lurking dangers that could threaten your retirement.
The Best Free Investment You'll Ever Make
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Buggy Links
Magic School Bus "Monster Bugs"
Create bugs from nature or create your own!
Information about many different types of insects can be found here.
Awesome ant information!
Animations of ant colonies and jobs.
Insecta Inspecta
See inside of a bee hive and more!
Awesome site! You can view bee body parts from outer and inner views!
Another awesome site! Go inside a bee hive and see what you find.
All about bees!
Bee Facts & Games
Information about honey, pollination, and hives.
Tons of pictures, interesting facts, great site!
Ladybug facts, life cycle, myths, crafts, photos, games, and more!
Tons of activities, resources, and information about butterflies.
All about Monarch butterflies and their migration.
Butterflies & Moths of North America
Pictures and information about many types of butterflies. Click on the map and see what kind live in your state.
You might think you are looking at art…these patterns are beautiful! Check it out!
Pictures and information about butterflies.
Here is a great site to identify caterpillars. Take or draw a picture of wild caterpillars…but leave them in the wild!
Coloring pages, life cycles, and pictures can be translated in French, Dutch, Italian, and Spanish.
Field Museum – Butterfly Collection
Our very own
What types of flowers should you plant in your garden to attract butterflies? Check out this site to find out.
A page made by elementary school students.
Great resource on annual and periodical cicadas!
Great information and information about the noises they make.
Minnesota's Pollution Control Agency's – Crickets
Information, pictures…read to find out why crickets make good thermometers.
All about 'roaches from the "Yuckiest Site on the Internet".
Information about cockroaches.
Pictures and information about dragonflies and damselflies.
National Science Foundation – Dragonflies
Videos, information and more!
Fireflies – also known as lightning bugs
Why do fireflies light up? Read this page to find out.
Critter Corner – Lightning Bugs
Great information about fireflies / lightning bugs.
Pictures and information about when and where to find different types of grasshoppers.
Praying Mantis Photos and Information
Everything you wanted to know about the praying mantis and a story about one who is a classroom pet!
Facts, pictures, information about bites…great resource!
Lots of information about spiders! Great site!
Answers to a lot of spider questions.
See inside of a worm without hurting one!
The Adventures of Herman the Worm
Learn about worm anatomy, diet, families, and fun facts. In English & Spanish!
All about worms from the "Yuckiest site on the Internet"
= ELL/ESL Resource: These links have information, pictures, and stories in multiple languages.
Back to Mrs. Kanas's Classroom Homepage
Created by: J. Kanas 2008


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Co-hosted by the Sun Yat-sen University Center for English-language Creative Writing and RMIT University's non/fictionLab, the 3rd Writers Immersion and Cultural Exchange Program (WrICE) took place in China from April 4 to April 13, 2016. Twelve distinguished writers from Australia, Indonesia, the Philippines and China met in Yangshuo to partake in a writers' collaborative residency. This was followed by outreach programs consisting of writing workshops and a literary panel in Guangzhou.
On the evening of April 13, a Readings and Panel Discussion was held. It featured the readings by three distinguished writers, panel discussion, student anthologies launch as well as a children's performance. It was attended by students, faculty of SYSU and many members of the community at large. The event is co-organized by Center for Australian Studies, Sun Yat-sen University.
Francesca Rendle-short, Alice Pung, Lawrence Ypil, Dai Fan (from left to right)
In the Reading session, Alice Pung, an acclaimed Australian writer who writes across genres, read a short story about her emotional change during her pregnancy. Lawrence Ypil, a poet and essayist from Philippines, read three poems that dealt with his parents, his garden and the rain. Dai Fan, professor of linguistics in SYSU and a Chinese writer, read two sections of her story, one was about her good friend when she was young, and the other was about her uncle.
Immediately following the reading, Francesca Rendle-Short, co-director of WrICE and an Associate Professor at RMIT University, invited the three writers to a literary discussion, which involved the effect of places, culture differences and similarities on their own work. After the discussion, they also answered some thoughtful questions from the audience.
Launching the student anthologies
Professor Dai Fan then took the stage and launched the student anthologies. The two books, entitled Sea of Honey and The Fish are Fine, were co-edited by students from RMIT University and SYSU. Francesca Rendle-Short participated in distribution of the new books to the students present.
The evening concluded with a performance by children from Big Tree Character, a local education institution of children's character education. The performers staged a short play called You raise me up.
Group photo
The WrICE China residency will be followed by a workshop and public events in Melbourne in August as part of the Melbourne Writers Festival. Dai Fan, Head of English Department at SYSU and Director of the Sun Yat-sen University Center for English-language Creative Writing, is one of the invited writers of 2016 WrICE.


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(The King of Code contest is sponsored by Windows Phone and is open to developers on any mobile platform.)
In today's connected world, small business owners can't be restricted to their homes or offices. They need to be able to make decisions and react to news on the fly. That's the conviction behind Cube, a suite of mobile applications spearheaded by developer Sérgio Silva.
His motto: "Your business anytime, anywhere."
Designed for doctors, lawyers, contractors, consultants, photographers, freelancers and other small business leaders, Cube provides a full portfolio of management products and services. Not only does it offer simple, intuitive access to your relevant business data wherever you are, it keeps it in-sync between devices, including a browser-based portal.
"Cube's approach is that it's your data that's important, so everything is synced between devices transparently and automatically," Silva says. "You can easily start a timer on a task on the web app in the office, grab your phone and stop the timer when you arrive at your client's office, then use your tablet to generate and email a timesheet and expense report just in time for your meeting."
Cube mobile apps are native on their respective platforms — iOS and Android — and are all part of the broader, CubeAnywhere solution created by Silva's team. The suite already has a global presence, localized in 10 languages, with clients in 86 countries.
A key benefit of Cube is that it scales automatically whether you're a single freelance consultant, leading a project team, or managing a whole company. If you're an individual user, Cube tailors the experience to focus on your data. As your team expands, so does Cube, adding time card and expense approvals, vacation and holiday calendars, company reports and user management tools.
Cube integrates with Google Apps and works seamlessly with hosting services GitHub and BitBucket and social apps like Twitter. The ability to use just one username and password means zero setup time. Data already stored in the cloud, like contacts, calendars and documents, can also be easily accessed.
While Cube chose iPhone and Android for its initial rollout — based solely on numbers of users — the goal is to also offer solutions for RIM and Windows Phone. The company has big plans for new features and services as well.
"Cube processes data from time entries, expenses, mileage, project income and costs so you have a complete picture of the financial health of your projects," Silva says. "With this set of data already in, we can now build an invoicing module, an HR module to pay salaries and reimburse expenses, a project planning module, a CRM and salesforce management module, and more. All of these will be easily adopted because the data that underlies all these is already there."
Before jumping into Cube, Silva served as a project and portfolio management consultant for several large international enterprises across sectors, from telecom to finance to utilities. He says this experience deepened is understanding of how different professionals need different resources based on diverse challenges — even within the same organizations.
"I also realized that the kinds of tools these companies use are out of reach for small companies and individuals, even though they also have requirements that can be answered with the right tool," Silva says. "Our goal is to bring quality, enterprise-level tools to everyone."
Cube is self-funded but is on the lookout for both partners and funding that could accelerate the development and delivery of its platform.
Every week, with the sponsorship of Windows Phone, VentureBeat is crowning the very best mobile developers as "King of Code." We're looking for innovative developers who are really pushing the envelope in the mobile space, regardless of the platforms they're developing on. Enter here for a chance to win a profile on VentureBeat.com, a $1,000 AMEX Gift Card, an Xbox & Kinect Package, and/or a Windows Phone 7 device.


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But I'm still an animal
Today is my 22nd birthday and while I was getting dressed a question popped into my head…I asked myself if I was too old to wear my chucks. My heart sunk a bit and I started to get sad as if my last glimpse of youth had slipped away with my last night of the label "21". I stared at my reflection and the animals on my shirt triggered a feeling that brought me solace. The spirit of animals is not bound my time or age and I too am still an animal. I realized I can be as free as my heart desires. I laced up my kicks and walked out the door. No matter what my age I'm just doing me. 22 who? I am not my age I am Tavia Rahki. I only hope to grow wise and strong and my spirit lead me to new adventures. The nature of heart is timeless.


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Tui Belgium airport transfer services
1) Who is www.billo.be? And what do they do?
Our partner Billo.be enables you to book a transfer between your home and the airport. Both on departure and on return, to and from any airport served by the most important touroperators.
In most cases the cost price is significantly lower than what you pay to park your car at the airport. Add the fuel you consume, and Billo.be will be a lot cheaper. A major advantage is that your car remains safely at home in your own garage and that you do not experience any stress during the drive.
Billo.be makes use of a recent fleet with well-trained professional drivers and was carefully selected by the TUI Group as a partner on the basis of its experience and professionalism. Billo.be takes 150,000 people in Belgium to the airport every year. It is the cheapest way to travel to the airport!
Fleet of
Billo.be has a recent fleet (Eurolimo Group has 350 cars at its disposal). The fleet consists of Mercedes-Benz BlueTEC Eco models of passenger cars (Mercedes E and S classes) and minivans (Mercedes Vito and Mercedes V Class).
3) What is the price of airport transfers and how do I make a reservation?
The price depends on the route, the airport of destination, the number of persons, … You can run a non-binding price simulation for the date, route and group of travellers of your choice on www.billo.be. You can finish your reservation online and receive confirmation in your mailbox right away.
By what time do I have to book the airport transfer?
You can make reservations on billo.be until 24 hours before departure.
5) How can I pay my booking?
You can pay your booking by Bancontact or credit card, or through the payment modules of a number of large Belgian banks, on www.billo.be at the moment of booking..
6) Can I book for more then 2 persons ?
Yes , of course, you can book until 8 persons. And you will see you pay only a little bit more for those extra persons.
This is great for families with children.
Are there any early booking discounts?
The earlier you book, the less you pay. It is recommended to make reservations immediately after booking your trip so as to be absolutely sure of the best price. The closer to the date of departure you book, the higher the price of the transfer will be.
Can I also book a private transfer?
Billo.be does not only offer traditional airport transfers (together with other customers = economy class); it goes without saying that you can also opt
for an individual transfer with a standard car (= comfort class) or with a Mercedes E or S class (business class).
You indicate your class of preference (economy class, comfort class or business class) during the booking process.
What if I want to travel together with other passengers departing from another address and wish to share my airport transfer?
Please make the booking for the address that is the furthest away from the airport and send an e-mail to firstname.lastname@example.com; we will then determine the additional fee that will be charged to you for the extra stop at the second address.
Is it not cheaper to drive yourself and to park at the airport?
In most cases the cost price is significantly lower than what you pay to park your car at the airport. You also save on fuel! A major advantage is that your car remains safely at home in your own garage and that you do not experience any stress during the drive.
What if my outbound flight changes?
Have you been informed of a flight change by your travel agent / tour operator? Please notify billo.be by sending an e-mail to firstname.lastname@example.com with indication of your booking confirmation and your new flight details.
12) What if my return flight is delayed?
Billo.be monitors the arrival time of your flight and ensures that the driver is waiting for you at the actual arrival time of your flight. Billo.be operates 24/7 and has a permanently staffed dispatch centre.
Do I lose a lot of time when other passengers are picked up?
If you have booked a combination taxi, we will try and combine the ride with passengers wanting to reach the airport around the same time. This allows us to reduce miles and therefore CO2 emissions. Good for the environment and your wallet!
The arranged time of pick-up may vary up to half an hour at the most, depending on the dispatcher's planning which can only be made 24 hours in advance. Obviously, you can count on us to always be largely in time at the airport.
Can I also take my pushchair with billo.be?
Of course! Indicate this during the booking process by ticking the corresponding box.
15) What if I have a special service request (e.g. transport of wheelchair or golf bag)?
It goes without saying that you can bring such objects during your transfer. Please indicate this in the appropriate boxes during the booking process. For any further special requests or demands you can send an e-mail to firstname.lastname@example.com.
Are child safety seats available?
Of course. Please tick the appropriate boxes on the website.
Where can I find my driver upon my return to Belgium? How will I recognise him?
The driver will be waiting for you just past the customs control in the arrival hall on the side of the well-known JAVA coffee bar, where all drivers can be found. In case of large crowds a hostess will show you the right driver so as to avoid mistakes. The driver will hold a sign (or iPad) with your name, and the hostess can be recognised by the famous Billo.be logo.
Can I take my pet?
This is in principle not a problem, but please notify billo.be via firstname.lastname@example.com. We will then inform you on the terms and conditions (always indicate your booking number).
What if I cancel my trip?
If you cancel your trip, you can also cancel your transfer to and from the airport. This is free up to 24 hours before your departure; afterwards the ride
will be charged in full.
In case of cancellation up to 24 hours before departure, the paid amount will be repaid in full within 10 days by means of a bank transfer.
What if I change my trip?
If you change your trip before or during the journey, you need to inform billo.be by sending an e-mail to email@example.com.
Indicate your original reservation number and the data of your new departure and/or return date. Your transfer will be adjusted. No costs will be charged
for this and the originally confirmed fee will be retained.
If you do not inform billo.be and the driver is already present, the transfer will be charged after all.
Is it also possible to book a transfer to airports outside Belgium?
Billo.be organises transfers to all airports serviced by the most important touroperators, including those in Lille, Paris and Amsterdam.
Is it also possible to book a transfer to regional airports?
Billo.be obviously also offers transfers to all regional airports serviced by the most important touroperators (Ostend, Charleroi, Liege, Antwerp).
Are there any luggage restrictions?
The booking module features a section where you can indicate the number of luggage pieces you want to take with you. There are in principle no luggage restrictions. You are obviously expected to indicate your luggage in a fair and correct manner. If you bring more luggage than indicated, the driver shall have the right to refuse to take the baggage you failed to indicate. A surcharge will be charged at the very least (minimum of € 10 for each piece of luggage provided sufficient room remains in the vehicle).
What if I have not yet received my flight details?
Please indicate 00:00 as fight number and 00:00 as flight time.
This makes it clear to billo.be that they still have to contact you in order to confirm the final flight hours.
24) Safety and Privacy.
For your order through our website, you can count on a secured payment system with the credit cards Visa, MasterCard and Bancontact.
Billo.be assures the complete confidentiality of your information in connection to your bank, secured by the SSL protocol, which at the moment of your payment with a bank card automatically checks the validity of the access rights and scrambles all exchanges of information in order to guarantee confidentiality.
Billo.be has entrusted its payment system to a company specialized in secured payments via internet: Ogone e-commerce.
The exchange of sensitive information – such as the number of the credit card – is done between the customer and the Ogone e-commerce site; Internet-Lenses does not know this information.
Any communication between the browser of the customer and Ogone e-commerce is done using the scrambling technology SSL 128 bits. For the customer, it is not possible to use a browser, which would not bear this scrambling techniques.
The site of Ogone e-commerce has a certificate issued by Verisign.
Ogone e-commerce is protected by various firewall systems and protocol conversions in order to make access to the data and the payment processors by unwanted visitors impossible.
The law regarding privacy is applied by Billo.be.
In any case, Billo.be formally regards the commitment to strictly keep any of your information confidential and in particular not to share this information with any other third party whatsoever.


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This article discusses a study (published in 2010) of using MI with repeat DUI offenders:
Has anyone used MI successfully with this population?
Motivational Interviewing amoung repeat DUI offenders
This article discusses a study (published in 2010) of using MI with repeat DUI offenders:
Our hospital has a Detox unit (basically a few beds) and our efficacy using MI with this population has been about 50-50. Perhaps an acute care setting complicates the curve. It would be interesting to see the results from operational level in community setting.
In my experience working with the incarcerated population we use MI to elicit behavior change by helping clients explore and resolve ambivalence. The providers lead the session in a way that is subtle, gentle, responsive, and imaginative, as opposed to prescribing a solution to solve a problem.
The implicit theory behind MI is that it will lead to an increase in client's change talk which will then facilitate behavior change.
I worked at a detox in the past, part of the issue with us was the length of time for detox stays, (4-7 days). One could introduce and explore ambivalence, but to start to see some results concerning change talk, decisional balance etc... , in this setting was a bit difficult. The best was to meet them where they were at and hopefully encourage them to seek further treatment in a variety of settings available.
I have used MI in IOP treatment settings which have included repeat DUI offenders. After 6-7 weeks of treatment the client is returned to the legal system for a hearing. The agency I was with did not keep follow-up records of how many of these actually regained driving privileges. If they did return to driving it would be difficult to attribute it to the MI treatment as opposed to "maturing out". After 4-5 DUI's they might just be tired of being in the system.
Maureen, Here is a online intervention I developed using MI style personalized feedback with under age drinkers and some of my online DUI clients. You can login here: http://www.outofstatedwi.com/classroom/login/index.php
Your user name is: mfitz1; Password is: student (all lowercase).
I appreciate any feedback about your UX.
Hi Tom,
I apologize for not replying sooner--I missed your invitation in the thread. Please send a new username and password.
I am not a clinician but will be glad to comment on my user experience!
Hi Maureen,
Just returned this afternoon from a probation and parole conference in California where I demonstrated our online substance use disorder education (ASAM level .5) classes for low risk offenders. Here is the new link for you and any members of this network that wish to try out our demo:
Login here: www.twccsolutions.com/classroom
User name is "appa, " Password is "appa2014."
Still welcome comments on your user experience.
Hi Tom,
I would very much like to review your online program and would be happy to give a personal evaluation. I am interested in developing an evidence-based program to rural and isolated population to limit need for travel.


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Used 2004 Hyundai Accent petrol 70000 Kms78000.00 78000
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Pay Per Click (pay-per click) is a technique to search engine position (it is in truth online search engine marketing) where you pay to have your site listed amongst the initial results of a specific keyword search. It is called Pay Per Click due to the fact that you only pay the internet search eng...
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- Why Pakistan's Action Against JeM Is An Eye-Wash, Insufficient
- Samsung Galaxy S10 Series To Sport Steam PC Game Streaming
- Bajaj Discover 110 Launched With CBS At Rs 52,273
- La Liga Preview: Barçelona Face Stiff Sevilla Test As Battles Up And Down The Table Heats Up
- Small And Midcap Stocks Could Deliver Abnormal Gains
- The Story Of Lubdhaka And Lord Shiva
- Kangana Ranaut Caught Riding A Fake Horse During Manikarnika
- Best Places In India To Celebrate Holi 2019
Intel At Computex 2015: Fifth Generation Core Processor, Thunderbolt 3 And More
In the on-going event of Computex 2015 in Taipei, Taiwan, Intel has just announced the Fifth Gen Core Processors, Thunderbolt 3 with reversible USB Type-C, Intel Unite and the 5th generation Intel® Core mobile processors for mobile and IoT with integrated Intel® Iris Pro Graphics.
For starters, Intel Unite was introduced as a new and cost-effective business solution designed for easy intuitive collaboration and improved meeting productivity.
With a select Intel Core V Pro processor-based mini PC in the conference room along with the Intel Unite application running on devices, existing conference rooms will get modernized and transform into smart meeting spots with enhanced security.
Recommended Link: HTC Desire 820G+ Dual SIM with 5.5-inch Display, Octa-Core CPU is Now Official
Secondly, the company also introduced the new Thunderbolt 3 acts as a "superset" host for USB 3.1 (at full 10Gbps speed), DisplayPort 1.2, PCI Express Gen 3 and its own Thunderbolt standard.
The updated Thunderbolt 3 now supports speeds up to 40 gigabits per second, four times faster and with twice the video bandwidth of any other cable, while still being able to supply power.
With its full support for USB 3.1 it delivers power based on the USB spec, able to push 100 watts for notebook charging and deliver 15 watts for bus-powered devices.
Recommended Link: 8 Interesting Things You Need To Know About Google Photos
Thunderbolt 3's 40Gbps also allows for dual 4K monitor support over a single cable, as well as speedy 10-gigabit Ethernet networking.
As a real world example, one hour of 4K GoPro footage would be transferable across Thunderbolt 3 in less than one minute. Intel says the first devices supporting this unified port standard will ship before the end of 2015, with growing support through 2016.
Intel also announced its latest 5th generation core graphics processors with improved performance and graphics at Computex today.
Recommended Link: Google Cardboard VR Headset: All You Need to Know
The Intel Core i7-5775C is a quad-core hyper-threaded part which is clocked at 3.3GHz and houses Intel Iris Pro 6200 Graphics. It will have a TDP of 65 Watts. According to Intel, it gives a 2x improvement over the Intel HD4600 graphics. This processor is aimed at different kinds of desktop form factors including thinner mini PCs, desktop AIOs and so on.
Intel also announced a 47 Watt mobile 5th generation Intel Core series processors. The Intel Core i7 5950HQ is a 4-core 8-thread processor clocked at 2.8GHz and houses the Intel Iris Pro 6200 integrated graphics.
The prices for the desktop processors start from $244 to $366 (approx Rs 15,700 to Rs 23,400) and they will be seen in the market within the next two months.


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If you are in the midst of wedding planning, or know someone who is, like many of us you may be turning to the pages of your favorite celebrity or fashion magazine for inspiration. Celebrities often have huge budgets for their wedding or special event, in addition to the services of some of the top wedding planners and florists in the world. They spend a lot of time selecting the perfect bouquets to complete their ideal bridal look.
To help you in your own quest for the perfect bouquet, we've taken some of the most beautiful celebrity brides, and provided our "copycat" choices. These bridal bouquets are ready to order, farm fresh and very affordably priced! The best part? They could save you hundreds and hundreds of dollars! Check beneath each summary to see our bouquet picks.
Which one is your favorite?
Drew Barrymore
Drew married Will Kopelman in an intimate ceremony at her home in June 2012. Drew's beautiful bouquet featured lush peonies and garden roses in various shades of hot pink and pink. The end result was a charming and 'fresh from the garden" look that perfectly complemented her sweet and simple ruffled gown. We loved it! (But too bad the marriage itself fizzled out in April 2016…)
Ivanka Trump
Ivanka's uber-elegant 2009 wedding to Jared Kushner at Trump National Golf Club. The posh affair featured all white flowers by renowned event planner Preston Bailey. Her bouquet was a divine combination of delicate stephanotis and beautiful white roses. Read more about Preston Bailey wedding ideas and see our 'copycat" pick below.
Kelly Clarkson
Kelly's bouquet was the perfect complement to her gorgeous 2013 rustic wedding at Blackberry Farm in Tennessee. Sunflowers were the star of her country bouquet, complemented by heather, dusty miller and agapanthus. She has since given birth to two children and she and Brandon remain happily married.
Sofia Vergara
This feisty Colombian-American actress, best known for her hilarious role in Modern Family, proved to be a luxurious bride with a massive wedding budget. She married actor Joe Manganiello in an elegant and extravagant 2015 ceremony in Palm Beach, Florida. Her wedding flowers, designed by renowned floral artist Jeff Leatham were absolutely stunning! To see more of them, read the Sofia Vergara blog. Her bouquet was made of dazzling all white Phalaenopsis orchids. Think orchids are too expensive for you? Check out copycat bouquet choice below and see even more the BunchesDirect site!
Shenae Grimes
Shenae is best known for her work on Beverly Hills 90210. She married in 2013 at Boys Hall, in Ashford, Kent, looking dramatic and glam in a daring (and very beautiful) Vera Wang black gown. Shenae boosted the drama quotient even more by choosing elegant red roses for the main element in her bouquet.
Carrie Underwood
American Idol provided us with another sweet celebrity bride, in the form of Carrie Underwood. Carrie married hockey star Mike Fisher in July 2010 (we can't believe it was that long ago!) at the swanky Ritz-Carleton Reynolds Plantation in Georgia. Her wedding featured roses, roses and more roses: a rumored 3,000 of them, to be exact! Her dreamy bouquet included other blooms such as white, yellow and pale pink peonies, hydrangeas and dahlias.
Reese Witherspoon
Reese is a happy woman these days, following her marriage to Jim Toth at Libbey Ranch in Ojai, Califonia in 2011. The couple have since welcomed a son together in 2012. Reese shone on her wedding day in a custom Monique Lhuillier blush gown, perfectly complemented by this elegant bouquet of Patience roses. Find out how to make a Reese Witherspoon bouquet and see our pre-made pick below.


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Click here to read After The Auction[Madivas Vampire Series] Sequel PT-1, After The Auction[Madivas Vampire Series] Sequel PT-2 , After The Auction[Madivas Vampire Series] Sequel PT-3 and After The Auction[Madivas Vampire Series] Sequel PT-4
Hours passed and he hadn't returned. No one had come to see me. I didn't want anyone to see me. I really was a monster. Everyone looked at me with fear and thought I would hurt them. I can understand. I shouldn't have lied, I shouldn't have killed all those vampires at that pet shop. I wanted revenge and I shouldn't have done what I did. Violence is never the answer. I deserve this all. I deserve all this pain. The door creaked open and Damon walked in with a blood bag.
"I can't let you die can I when my Britney is still in there."
"I'm sorry Damon." I cried.
"Are you really?"
"The smile on your face when you walked out that pet shop said differently."
"I was happy yes, partly because I killed them but because in my eyes, I felt at peace."
"You are just like my father."
"I know. I'm a monster and I'm sorry."
"Stop saying sorry."
"But I am. I killed my parents."
"Your parents?"
"The couple on the TV I killed, they were my parents."
"Why the hell would you kill your parents?"
"They were bad people."
"Is that your excuse?" He huffed causing anger to boil up inside me.
I charged towards him but the chains pulled me back.
"Let me guess, they didn't give you enough attention or they grounded you."
"YOU F**KING ASSHOLE!" I screamed.
"Look I understand you would be pissed about that as no one likes to be grounded and everyone wants some form of attention but you should never kill over it."
"YOU HAVE NO IDEA HOW IT FEELS TO HAVE YOUR OWN FATHER CREEP INTO YOUR ROOM WHEN YOU WERE EIGHT AND BEGIN TO TOUCH YOU IN PLACES AND YOU NEVER UNDERSTOOD WHAT HE WAS DOING! THEN HE WOULD SHOVE HIS FINGERS INSIDE YOU AND YOU ARE CONFUSED AND SCARED AND IN PAIN! THEN YOU GO TELL YOUR MUM AND ALL SHE SAYS IS TO DEAL WITH IT! FOR 8 YEARS I HAD TO DEAL WITH MY DAD COMING INTO MY ROOM AT NIGHT, FORCING HIS FINGERS INSIDE ME AND THEN FORCING ME TO SUCK HIS C**K BECAUSE MUM WOULDN'T F**K HIM! I WAS SO GLAD IN A WAY TO BE OUT OF THAT HOUSE! I WAS JUST LUCKY HE NEVER ACTUALLY F**KED ME BUT WHAT HE DID AND HOW MY MUM DIDN'T CARE…THEY JUST DESERVED TO DIE OKAY BECAUSE HE STARTED DOING IT TO CAROLINE!" I screamed out.
"Your father did that to you?" He asked, his voice, barely a whisper.
"And the pet shop."
"Those vampires would beat you with sticks and belts. After the vampires had either run away or been killed, I freed every last girl in that shop."
"You saved them?"
"And the humans on the streets?"
"They were all pedophile's or murderers."
"So in a way, you saved others from harm."
"Why does it matter?"
"Because you aren't a monster Britney."
"Yes I am. Look at the way everyone looked at me in fear. Your own mother thought I would hurt her or you. But I love you. I love you goddamn it but you won't believe me."
"I'm sorry Britney. I should have known you would never just kill anyone for now reason. All you have done is save others. You saved that girl from your parents, the girls from the pet shop and possible victims of those creeps. You are a good person. You have remorse and have a heart. That is you. That is the Britney I fell for that would put others first."
"I lied to you though so why love me?"
"You lied because you knew I would stop you. I am glad you lied to me as who knows what your father would be doing to that girl if you hadn't of gone at the time you did."
"It's too late. He already hurt her."
"But you stopped her from going through years of it."
"I still feel bad though. I hurt you. I hurt her by taking away the first family she has had for a while."
"No you didn't hurt her. She is with Tommy and my mother now. She has a family that will care for her."
"What if your father comes back?"
"We can deal with him when that happens."
"And if we die?"
"We die together knowing how much we love one another."
"I am truly sorry for everything."
"I forgive you. I won't forget that you lied to me as forgetting is a harder fight but I do forgive you. I love you Britney."
He tore the chains off of me and pulled me into his arms.
"I'm sorry I hurt you. I promised I wouldn't and I did."
"It wasn't me."
"It was though."
"You didn't know that. Heck even I thought I had become a monster."
"You're not a monster."
"I still think I am though. I still killed people."
"Fine you are a monster then, but you are my monster."
"Can we go to bed? I feel tired."
"Anything for you."
He led me out of the cell and back upstairs. Guards still avoided eye contact with me but I didn't care, I had Damon and that is all that matters. When we were in his room, he closed it and led me to the bed.
"Yes beautiful."
"I want you."
"I want you too."
"No…I want you." I said trying to hint at him.
"You're still trying to control your emotions, I won't take advantage of that."
"I'm starting to control them Damon now just love me, okay?"
"I don't know."
"Damn it Damon! Just make love to me!" I snapped. "I am ready and I want this. I want to take it to the next level."
"Are you sure because once your virginity is gone, it will never come back?"
"I'm sure. I want this. I want you."
"You don't have to have sex with me to have me."
"Damon you aren't seeing the point here." I sighed rubbing my temples.
"I have been saving myself for a reason and I have realized that that reason is you. I know I am going to live a long life with you. I see a bug future between us."
"You do?"
"Yes I do. I love you and I am ready."
"Only if you're sure?"
"I'm sure."
"If you change your mind, you tell me instantly."
"I promise."
He pulled me against his body and I could feel his cock getting harder and harder against me.
"I have been wanting to do this since the moment I saw you." He growled playfully as he walked me over to the bed.
He ripped off my clothes before lying with me on top. I lay eagerly underneath him, waiting for his member to penetrate me but instead of feeling his member, I felt his tongue. His tongue licked my cl*t, up and down, as my burning core came alive with sensational bliss.
"Damon please!" I gasped as he licked everywhere but my cl*t.
"Say my name again!" He growled as he shoved a finger inside me.
"Damon!" I moaned out.
"Say you're mine!"
"I'M YOURS! I'M YOURS!" I screamed out as his tongue came in contact with my clit.
I could not help but lift my hips up allowing him better access.
"Don't stop!" I cried out before feeling myself about to climax. "Oh Damon!"
I screamed out in pleasure before cumming hard.
He removed his fingers before standing up and ripping open his white shirt. I traipsed my hands up and down his slight hairy chest, causing him to growl under my touch. In a flash before my eyes, his trousers and boxers were gone revealing his very hard and damn, how big was that?! Was that meant to go inside me?! F**king hell
He climbed onto the bed and I wrapped my legs around his waist, my arms automatically snaking around his neck to pull his body against mine. His fingers were digging into my hips in a nice but painful way as he thrust-ed into me.
I gasped as pain overtook me and he instantly stopped moving.
"Are you okay?"
"Yep. Just need to get used to it."
"We can take our time." He smiled.
"So…" I awkwardly said. "How's it going?"
"Please don't." He chuckled. "I can't take you seriously whilst I am in your right now."
"Sorry. Oh and the pain has eased."
"Okay. I will move out and thrust back in, stop and repeat this until it doesn't hurt before the real fun happens."
"Ready when you are." I smiled.
He pulled out before thrusting back in again and stopped whilst I got used to the pain. He repeated this action another six times before something strange happened. He thrust-ed back in and a moan escaped my lips.
"Do that again." I groaned.
He pulled out and thrust-ed into me hard and I screamed out in pleasure. That felt like ecstasy.
"Oh Damon!" I moaned out as he kissed and sucked at the sweet spot on my neck. "Go faster!"
"Oh Britney!" He groaned thrusting faster.
I couldn't help but dig my nails into his back causing him to groan in pleasure. I guess that was a turn on for him.
"F**k." He groaned low in my ear.
"Damon!" I moaned out as I came for the second time.
He groaned as I felt him release inside of me. He pulled out and gave my swollen, tender clit a stroke as he kissed me softly on my lips.
"That was better than I ever imagined it would be."
"Ya think?" I panted, trying to get my body under control.
"Want to do it again sometime?"
"Hell f**king yes!"
"Good." He growled playfully in my ear before he nipped at my earlobe.
"I need to talk to you about something."
"That doesn't sound good."
"So what is it you want to talk about?" He asked as I sat next to him, wrapped up in his quilt.
"Would you have killed me in that cell if you thought I couldn't change?"
"Why would you ask me that?"
"Because you didn't hesitate to kill me when I was a human."
"I regret that."
"You do? I thought you hated humans and could never love one?"
"I loved you the way you were, human or not."
"Then why only call me pet then?"
"You don't get it do you?"
"Well why don't you just enlighten me then."
"I only called you pet because you could have been easily replaced by someone else that was called Britney. A pet is something you have for life, well that you should have for life as they are family. Me calling you pet meant you could never be replaced."
"I was never going to kill you in hopes of you staying dead. I wanted to keep you forever just like people tend to keep their pets until they die."
"Then why kill me in the first place?" I asked, feeling tears cloud my vision.
"I lied when I said I forgot my blood was in your system. Yes you killed Christiana but I know she has been provoking you since she got here and anyone else would have snapped."
"Then what is the truth then if you lied?"
"I told you, I wanted to keep you forever. This was the only way."
"Why though? Why me? You could have any girl, heck you have that Candice girl."
"You remember the day I bought you?"
"I don't know if you knew this, but I couldn't keep my eyes off of you from the moment I laid my eyes on you. I wanted you for my own since the moment I met you. I knew you were the one; beautiful, strong, smart with the most spectacular emerald eyes. You were perfect. It was love at first sight. The fear of my father scared me into doing thing to you I regret in case he found out the true nature of my feelings for you. I still have nightmares of me beating you with my belt. It should have never happened and I am so sorry Britney. I am so sorry."
"I remember. I remember your cold, blue eyes staring at me. I thought you were just eyeing me up in a dirty or hungry way."
"No. I loved you. Even more than Madelyn."
"Who is Madelyn?"
"That is a story for a different day." He sighed. "I'm glad their dead."
"Who?" I asked confused as to where that came from.
"Your parents. I'm glad their dead."
"You know Damon, I believe you and I are alike in a fucked up way. I think we are the true soul mates. We are both broken from our fathers, we were meant to come into each other's lives to put it back together again. We were meant to be together."
"We were, I knew we were. That is why I cut of my ties with Candice the day I got you."
"Talking of her, don't tell me that I have to watch my back for little miss chunky monkey wobble slob?" I chuckled causing Damon to chuckle back.
"If she tries to, I will take care of her."
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Harold Oliver Payne
September 21, 1928 - January 23, 2018
Born in Cardston, AB
Resided in Calgary, Alberta
Harold Oliver Payne passed away peacefully Tuesday January 23, 2018 at 89 years of age. Harold will be lovingly remembered by many including his children: Danny (Elaine) Payne, Randy (Meining) Payne, Hilda Payne, Dorie (Stewart) Henry, Judy (Clark) Jensen and Shaun (Dawn) Payne; 28 grandchildren, 27 great grandchildren, siblings: Fayetta (Ray) Western, Nawana Payne and Rae (Pam) Payne; sister-in-law Margaret Payne and many more family and friends. He was predeceased by his wife Doris, son Cameron and siblings: Howard Payne, Dell Payne and Terry Picket. Harold was born in Cardston AB and raised in MountainView and area. By 12 years old Harold was doing work equivalent to that of a man, for local farmers, and was paid accordingly. Eventually, he moved to Calgary where he met Doris - the love of his life. Doris and Harold were married in Ottawa while Harold was serving the army in Ontario. He was later transferred to Victoria where they started their family. After leaving the army they moved to Calgary where he worked in a number of trades, became a contractor and eventually worked as a building inspector for the City of Calgary. Harold always helped others and his home was known to be a welcoming place to many. A Funeral Service will be held for Harold at The Church of Jesus Christ of Latter-day Saints - North Stake Center (5927 Tipton Road NW, Calgary) on Saturday February 3, 2018 at 10:00 am with visitation starting at 9:00 am. Interment will follow at Mountain View Memorial Gardens.
To plant a tree in memory of Harold Payne, please visit our Tribute Store.
To plant a tree in memory of Harold Payne, please visit our Tribute Store.
The Church of Jesus Christ of Latter Day Saints - Tipton Rd Chapel
5927 Tipton Rd. N.W.
Calgary, AB CA T2K 3L3
Mountain View Memorial Gardens
1515 100 Street SE
Calgary, AB CA T1X 0L4
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Contact: Faye Walmsley, 573-323-4844
When you are 120 years old, it's normal to have some aches and pains. The Alley Mill, built in 1894, has withstood over a century of floods, blizzards, thunderstorms and every type of weather imaginable. All in all, it has held up pretty well, but in some places it is showing its age. Within the past year, the back porch has begun to sag and the concrete structure under it has begun to crack and leak. It is believed that it is now so unstable as to be potentially unsafe. Rather than have this popular viewing spot collapse and have people possibly seriously injured, the National Park Service has decided to close the porch temporarily. This will also help protect the turbine and flywheel located under the porch from possible damage caused by a collapse triggered by the weight of visitors on the porch.
"The Alley Mill will remain open as usual," said Superintendent Bill Black, "but we had to make this decision to protect people's safety. We will have repairs completed as soon as possible." NPS engineers have been looking at the entire rear area of the Mill, from the porch to the spillway to the dam across the spring to consider the best approach to preserving these aging structures. "A comprehensive approach to the Mill's preservation may take a while to implement, but we will tend to safety hazards immediately," Mr. Black continued. "We want the Alley Mill to remain a part of the community for at least another hundred and twenty years."
Alley Mill is open for visitors daily through Labor Day from 9:00 to 4:30 pm. Admission is free and tours are held by request.
For more information call 573-323-4236, ext 0, or visit: www.nps.gov/ozar
Ozark National Scenic Riverways preserves the free-flowing Current and Jacks Fork Rivers, the surrounding natural resources, and the unique cultural heritage of the Ozark people.


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Okay so this coming Sunday is Compassion Sunday. I'm excited…I may not seem excited but that's because the He-wood unit is away for school and the girls dont want to sleep and we've been camping out at the inlaws so the whole world doesnt have to get up at Dawn's buttcrack. But luckily today is the last day for a WHILE that I have to wake up and get here early. But sadly that means that summer is here and frankly I'm not ready. I've got sooo much to do between now and fall but I just want to enjoy the purdy weather. I want Wee-wood 2 walking well so she can play with her sissy at the park. I want He-wood's mondays to not be taken up by school. For the first time ever we will have a day off together! I know I know you may be saying well you have the weekend…well when your spouse is a minister Sunday is not a day of rest!
I'm looking forward to an enjoyable summer. I'm praying no catastrophes and that all is well. Oh yeah and no throwing up while at camp….or any other time for that matter!


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'Saawan Mein Lag Gayi Aag', 'Ibn-E-Batuta','Pyar Do Pyar Lo', 'Chinta Ta Chita' - what do all these tracks have in common? You guessed it right - its Mika. Mika the versatile singer, performer, song writer will be performing in Hyderabad on November 10th 2012. The event is in support of climate change and is being organised by Indian Youth Climate Network, Hyderabad.
So, if you want to listen to some foot-tapping peppy music and be a part of a wonderful cause then head to this event.
What: Mika in Concert
Where: People's Plaza, Necklace Road. Hyderabad
When: 10th November 2012
Time: 6:00pm to 9:30 pm
Tickets are priced at INR 600, INR 1500 and INR 3000. FOr more information and for booking contact
IYCN On +91-9396555888
For VIP passes call on +91-9618022439
Indian Youth Climate Network, Hyderabad - kudos to you for your efforts in creating awareness among Indians about climate change.
Image taken from the IYCN concert website. Thanks IYCN.


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Neill Blomkamp wants to give Ripley a proper ending with his Alien sequel
A week ago we learned that a new ALIEN movie was in development from DISTRICT 9 and EYLSIUM director Neill Blomkamp. The man started putting the ideas for the movie together himself and posted some concept art online. Fox got word and his persistence paid off because the studio set him to the director's chair. The film will be set within the ALIEN universe and father to the franchise, Ridley Scott, will be producing. So far details are limited, but the art did show Sigourney Weaver's Ripley and Michael Biehn's Hicks.
Sky Movies was able to get Blomkamp to talk about the film and how it will fit into the franchise.
"I want this film to feel like it is literally the genetic sibling of Aliens, so it's Alien, Aliens and then this film."
That's a pretty direct way of saying he's paying no attention to ALIEN 3 and ALIEN: RESURRECTION. I'm not sure how Ripley will feel about that time in her life being forgotten, but I'm sure the audience understands that they just weren't great films. It's still early, so this could all change.
He also touched on his desire to maintain the "nightmare" element of the franchise:
"It's a Freudian nightmare. That element to me is what is so appealing; to put the audience on the edge of their seat the whole time in a traditional, monster-stalking-you, dark-corridor-way. I love that. And then when you mix in all of the design elements and the life cycle of the alien, it's a powder keg of creativity for me."
Weaver then spoke about giving Ripley a proper ending:
"I would love to take Ripley out of sort of orbiting around in space and give a proper finish to what was such an excellent story. So when someone like Neill Blomkamp said, 'Well, I'm interested in finishing the story,' my little ears perked up… I think it's a great series. It deserves a proper ending—I know the fans would love that."
We know when it comes to franchises a true "ending" is hardly ever the case. If Fox makes money with it, they will try and capture lightening in a bottle again and again. This will be Blomkamp's next movie, so hopefully he doesn't stop sharing images and ideas over social media during the process. We will be keeping you posted you can bet on that.


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how to share reliance wimax internet connection ? there are 2 ways you can do.
1. using windows xp/2000/2003 or linux
for using windows i will write small post soon mean while you can find tutorial at
2. http://www.annoyances.org/exec/show/ics_xp
2. using linux you can do with any NAT support firwall like firewall-jay.sf.net. i will write quick post soon . this post will be update on next Friday with tutorials.


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Campground Reviews is now Available through the RV LIFE App on iPhones, iPads, and Android Devices.
Click Here to learn more.
Mountain Meadow RV Park and Cabins, Hungry Horse, Montana
Date of Stay:
September, 2012 -
Overall Rating:
We stayed here for 4 nights in September and Loved the setting in the trees with separation in both elevation and distance to other campers. The park is laid out to use the natural slopes of the terrain in Montana and they have worked the sites into the trees. But there are many large RVs in the park and I have watched them come and go with no problem during our stay. I will sacrifice the lack of views for the shady trees any day. The restrooms were immaculate and the folks running the park very friendly and helpful. We did our homework using RV Park Reviews before leaving on this trip and we feel we really did our job well in selecting this location. We observed the other campgrounds in the area while here and will not pass judgment since we did not stay at them but have no regrets in staying here. Met some other campers staying here who have made this their home base for several years in returning to beautiful West Glacier. We were able to pick up all major networks off our rooftop antennae with no problem to keep up with the local weather and news.WiFi was pretty weak on the back but we had strong Verizon signal for our aircard. Entire park was beautifully kept up and nicely landscaped with annual flowers planted at entry and around pond swings. Several wonderful places to eat and get supplies just a mile or two down the road. God willing we would come back here again if back in Montana. We camped at Mountain Meadow RV Park and Cabins in a Travel Trailer.
The Red Barn Rendezvous, Edwardsville, Illinois
Date of Stay:
August, 2012 -
Overall Rating:
I agree with previous reviews in that it is a very well kept park and the owner we met when checking in was very helpful in giving us directions to the attractions in St. Louis we wanted to see. The mentioned noise from the expressway was really negligible from site 20 where we were located at and we enjoyed the sound of the corn rustling in the wind at night. Only shortcoming for some would be the absence of a pool but not an issue for us. Would recommend this location to any needing a safe, friendly location with nice site layout. We camped at The Red Barn Rendezvous in a Travel Trailer.
All Seasons RV Park, Goddard, Kansas
Date of Stay:
August, 2012 -
Overall Rating:
Spent 4 months here on a job assignment and was very satisfied with the location outside of Wichita. Nice country setting and the owners and their help could not have been any better at taking care of their campers. Only reason for any mark down is for those campers looking for a pool and the fact that the sites are rather close together. But if you are looking for a quiet location, especially for an extended stay, this would be an excellent choice for the Wichita area. We camped at All Seasons RV Park in a Fifth Wheel.


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This section contains 892 words
(approx. 3 pages at 400 words per page)
HIV and AIDS in America
The U.S. Center for Disease Control (CDC) made its first official announcement regarding Acquired Immune Deficiency Syndrome (AIDS) in 1981. This brought awareness of AIDS and its precursor, Human Immunodeficiency Virus (HIV), to the mainstream. Because the first clusters of cases were among homosexuals, the disease was strongly characterized as a gay disease for many years. In fact, HIV/AIDS was initially known by the acronym GRID, which stood for "gay-related immune deficiency," until heterosexuals began contracting it too. During the early 1980s, the number of AIDS cases rose dramatically every year. By 1988, the CDC was aware of 86,000 cases, compared to only 225 cases reported in 1981.
Although there was a small number of victims who were considered blameless by the general public (such as recipients of blood transfusions and babies of mother with AIDS), the disease retained its social stigma for many years. Ignorance...
This section contains 892 words
(approx. 3 pages at 400 words per page)


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I am genuinely excited about the future of pension savings in the UK as this should be the foundation for all of us to enjoy our time winding down and
Andy Zanelli
Posts from Andy Zanelli
When pensions change really does mean change
It is now three months from what many described as the "biggest change to pensions in a generation". We've also seen the raising of the individual savings account subscription limit
Consider the tax implications of pension flexibility
For many years pensions have been viewed in quite a negative light, sometimes unfairly, particularly as the bulk of the fund had to be used to buy an income either
Tackle Budget in bite size chunks
I always find it an interesting experience to go onto a website like bbc.co.uk where there will invariably be a calculator that will tell me whether I am a 'winner
Are you factoring inheritance tax into ISA saving?
There are about six weeks to go and no doubt a few more "top 10 things to do" lists will appear which will encourage us all to equalise our income
Firm finance foundations or a house of cards?
There are a number of topics I want to discuss this year; the first one is a real back-to-basics and centres on the thought in the title. Think about your
Tax is a two way street: what aren't you claiming?
How many of you get up in the morning with a desperate desire to pay more tax? And would you take £50 from your purse/wallet and rip it up in
Lib Dems plan to cut lifetime pension allowance
The Lib Dem conference has certainly given savers a few things to ponder. Pensions Minister Steve Webb's admission in a fringe event that he has concerns about the suitability of
Viewpoint: Would you tear up a £50 note?
I would now like to touch on the second: managing your personal tax position, using the appropriate tax wrappers and all of your available tax reliefs and exemptions. The reason
Jam today: Choosing an investment fund
First was the investment fund/opportunity driving the appropriate level of return, hopefully tailored to your attitude to risk (maybe after using a risk questionnaire). Second was managing your personal tax