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Cleveland Park Listserv Rules
The Cleveland Park Email List is a neighborhood discussion list. This is a place where you can exchange news about the neighborhood, including new stores, street construction, development, city services, robberies and break-ins, traffic, parking, stuff for sale, places for rent, where to eat, where to get a great plumber, schools, and more. Think of the list as a your neighborhood post office, playground or supermarket, where you'd meet and chat with your neighbors.
The Cleveland Park email list is the most vibrant, energetic --and largest-- neighborhood email list in the Washington, DC area, and in the United States. As the list becomes larger, the list moderators have found it necessary to develop a set of rules that contribute to making the list a fun and useful place in cyberspace.
How does this list work? The Cleveland Park Listserv functions much like a "letters to the editor" column, in that the moderators must read and permit the posting of each message. On any given day we typically publish about half of the submissions received. If you write your message in accordance with the list rules, it stands a good chance of being published on the listserv, but please understand that there is no "right" to have a message posted here. The moderators are free to make judgments about which messages to publish and are under no obligation to discuss the reasons for turning down a message with the list member who sent it in or with other list members. In other words, this listserv is not a public forum but a privately run, members-only service. It's a resource intensive service, too, and it depends on the support of its donors, friends, and sponsors to keep going. We have a Friends of the Listserv program you can join by clicking here. To support the listserv and at the same time reach our readers with an advertisement in support of your business, cause, or event, click here. With your support, the Cleveland Park Listserv is able to bring you regular columns, as well as thoughtful, well-edited discussion of important topics. This is one online forum where you'll never find an anonymous rant. And that surely is worth something.
We treat bandwidth as a limited resource. We don't want our list members to be overwhelmed with messages, and have their inboxes cluttered. All messages that are posted on the Cleveland Park listserv need to be written in accordance with the rules below. Do not write to us to point out any messages that have appeared that you believe to be inconsistent with the posting rules. There are no bonus points for finding an occasional mistake!
New list members should wait at least a day or two before posting their first message in order to get a sense of what the listserv is like, unless the message is urgent.
The Cleveland Park email list is a G-rated list: Messages should be appropriate for all ages.
1. Sign your messages, preferably with your full name, but at a minimum, with your first name. Anonymous posts are never permitted. You do not need to post your exact address, phone number or other personal information. While the moderators may add a list member's name to an unsigned message (if we know who you are), most of the time unsigned messages will simply be deleted. Screen names are not acceptable. Initials (either as a substitute for your first or last name) are not accepted on the Cleveland Park Listserv, since they create a sense of anonymity that we want to avoid. For example, messages may not be signed "T. Smith" or "Jane R." Your name needs to appear at the end of your message.
2. No crossposts. Do not send anything to this list that you are sending out to other lists or other recipients. That means: No press releases, no mass-circulated announcements, and no messages that say, "Please distribute this to everyone you know." Exceptions are made for messages of an urgent nature, which affect the health or safety of neighbors, or which the list moderators consider to be important or useful to the neighborhood at large. Neighborhood civic groups such as the ANC are generally exempt from the no-crosspost rule (but still shouldn't have more than one email address in the TO or CC line of their message.)
Do not add any other email addresses to the CC or TO line of your message.
3. Messages must be your own original writing, written just for your neighbors on this email list. That means: no articles copied from newspapers, no text from websites, brochures or campaign flyers, no forwards, and no copies of messages you have received privately or have seen on other email lists.
4. Posts should relate to Cleveland Park or the vicinity*. While Cleveland Park is part of the solar system, it's a good idea to keep your messages about somewhat more local topics. The Cleveland Park Email List is not the place for announcements about any of the following: national or international cause organizations; out-of-neighborhood charities or non-profit institutions; other email lists; demonstrations, protests, rallies, lectures, or fundraisers, except for those held in the neighborhood or directly related to a neighborhood issue. That is to say, any announcement of a lecture at the Cleveland Park Library is fine, while any announcement about a lecture at the M.L. King Library is not (unless it's a lecture about Cleveland Park's history at the M.L. King Library.) The sample posts provide more examples of messages that are suitable and unsuitable for this neighborhood discussion group.
If posting an event announcement, please check the map of the listserv coverage area. Out-of-boundary events generally cannot be announced on this neighborhood-focused list. However, in some cases it may be possible for the poster to create a physical connection to the neighborhood. If, for example, you are soliciting donations for an out-of-neighborhood clothing drive, and you are willing to go to list members' homes to pick up the donated items, then the collection would be considered in-boundary. Another example: If posting about a rally downtown, you could organize transportation for neighborhood residents to arrive at the event as a contingent, or you could host a post-event get-together in your own home in the neighborhood. Announcements that have no such neighborhood connection will be deleted. There's more about the requirements for posting a fundraising message on our fundraising policy page . Keep in mind, however, that your announcement can always be posted as a sponsored message if it doesn't meet the requirements for free publicity on the listserv.
Generally speaking, the Cleveland Park email list is not a bulletin board. This is a neighborhood discussion list.
5. Your message must be readable. Spelling and punctuation count. The same goes for using paragraphs, correct capitalization, and other grammatical niceties. Properly spelled and formatted emails help list members figure out what you're trying to say. Spelling mistakes may make it impossible to find your message through an archive search. ALL CAPS can be used for occasional emphasis only. Don't overuse ellipsis. Messages may not start in the subject line and continue the sentence in the text box. Keep in mind that there are list members who are sight-impaired or for whom English is a second language. Messages that contain forwarding marks (>>>) in every line will be deleted because these messages are especially difficult to read.
If you are posting a long hyperlink, please convert it to something short using one of the various free Internet services such as TinyURL, www.tinyurl.com or Bit.ly, http://bit.ly . Long URLs may not be clickable through YahooGroups; it's also a good idea to put a space between the end of the URL and any punctuation. Test all links; to help keep the list message traffic at a reasonable level, the list moderators may not approve messages that are simply corrections of wrong or broken URLs.
Compose your message in plain text.
6. Respect the privacy of others. Posting someone's home address or phone number or posting private or personal correspondence without their permission is not allowed. Forwarding or reposting somebody's off-list correspondence on the Cleveland Park Listserv or elsewhere is not allowed. The only exceptions to this are compilations of off-list replies about service professionals, and posts from government officials. List members may --and are encouraged to-- report back to the Listserv with replies about plumbers, painters, auto body shops, taxi services, etc. If you create a compilation, it's helpful to add "Compilation" to the subject line of your message. Leave out your correspondents' names, unless the message specifically authorizes you to use the person's name in a compilation. Before sending in a compilation of recommendations or a single recommendation, you may find it helpful to read the list's recommendations policy page.
7. Post reasonably and responsibly. That means don't feel obligated to reply to every message that moves you. Too many messages from the same person over a short period of time or on the same subject is considered "overposting" -- a form of clutter.
Single-issue posting --posting only on one subject over and over again-- isn't permitted because this list should not be used as anyone's personal soapbox. Attempting to flood the list with messages on a particular issue is not allowed, and anyone who does this may be banned from the list.
Do not add a high priority flag or mark your message as urgent. If you do so, the moderators may put you on can't-post status.
Before posting an information query please check the list archives. If you don't know how to check the archives, please read the Cleveland Park List FAQ , which provides instructions for accessing and searching through old messages.
Please consider whether your message is of interest to the general list reader or is better suited to a limited distribution list. (Example: Meeting minutes should go only to those present at the meeting and do not belong on the Cleveland Park Email List.)
No posting "for a friend." Please don't offer the use of this listserv to anyone but a member of your immediate household. This rule helps to keep our list message volume down and preserves the neighbor-to-neighbor focus of the listserv.
Messages may not include a challenge or request to another list member to respond to your own message, (e.g., "Debbie, before you sell your car on the listserv, have you considered giving it to a charity?" or "After my bad experience at that dry cleaning place, I'm never going back, unless the owner can explain here what happened to my clothes.") If you are responding to someone else's argument in a discussion of an issue, be sure to frame your reply so that anyone else can respond. We do our best to keep discussion from turning into a repeated exchange between just two posters.
When answering somebody's question, it's a good idea to actually provide an answer: Don't say, "There's a computer repair shop on Connecticut Avenue near the coffee shop, but I don't remember the shop's name." All such "I don't know" posts will be deleted. Please refrain from "me, too" or "I agree" posts that don't add new information. There's more about the requirements for recommendations and responses to queries on our recommendations policy page.
The list moderators may end a thread or discussion if the message volume becomes excessive or the posts seem repetitive.
8. Personal attacks, ridicule, harsh or uncivil language or profanity are not allowed on the Cleveland Park email list. No questioning somebody's motives for making a post. The list is not the place to air a personal grievance against your neighbors. Any post that is intended to inflame (also called "trolling") is not permitted. In other words, keep a neighborly tone.
Posting, republishing or quoting a list member's off list correspondence or emails in any public forum without that list member's permission is not allowed, unless that list member is a government official.
The list moderators may ban a list member, who, in their sole discretion, they consider to be disruptive to the list as a whole, or to individual members, or to the list moderators.
9. Rules for posting by non-residents: While people who live outside of the listserv's defined boundaries are welcome to join and post, there are three important restrictions on their use of the listserv. First, non-residents can't use the listserv to sell things. (There's more about this in Rule #10 on advertising policies.) Second, if it seems to the moderators that someone has joined just to harp on a single issue or push their own pet cause (rather than be part of a neighborhood conversation), then we may suspend posting privileges for that list member. Third, non-residents can't use the list to raise money or solicit donations for any causes (no matter how worthy), in keeping with this list's restrictive rules on fundraising. Click here to find out more.
District of Columbia government officials should review the guidelines for DC government messages.
Political candidates, staff, and supporters need to read our posting guidelines for candidates.
10. Listserv advertising policy: In order to keep the Cleveland Park Listserv primarily a discussion list, posting of ads is extremely restricted. In a nutshell, the only people who are allowed to post free ads are those who live within the listserv's defined boundaries, and the free ads must be non-commercial in nature and not too frequent. (You can now purchase a paid advertisement on the Cleveland Park Listserv.) "Non-commercial" means that you cannot advertise something that you are in the business of selling. For example, you can offer your home for a writer's group meeting, but if you are a full-time editor, you can't advertise your professional writing classes. It's usually okay for neighborhood teenagers, college students, care givers, and others who are not full-time professionals to offer their babysitting or housecleaning services; however, these messages can be posted for free only once a year; any additional ads must be purchased. Please note: ALL ads selling or renting homes, whether in the neighborhood or elsewhere, are now published only as paid ads. High-end items (anything with an asking price over $1000) also fall under our paid advertising program.
Business owners and professionals may post on neighborhood matters but should not put anything in their messages that promote or advertise their business -- and that includes tag lines or slogans after their signature. Recommendations can't be posted for any business in which you have a financial or personal interest. (That means you can't recommend your spouse's business.) Shilling, like all fraudulent posts, is prohibited.
Free advertising is very limited on the Cleveland Park Listserv, and so the moderators may, at their discretion, turn down an ad that otherwise meets the listserv's qualifications for free advertising, if deemed needed to hold down the number of ads on a given day.
Please note: The Cleveland Park Listserv has a commercial advertising program for business professionals, retail stores, neighbors and others. Please click here to find out more about it.
Items that have been offered for sale elsewhere (such as on Craig's List) do not qualify for a free ad on the Cleveland Park Listserv. Click here to find out how to purchase an ad for your previously advertised items.
To read about the difference between an ad for a business (which must be purchased) and a recommendation for a business (usually okay), click here. We also have a helpful checklist that posters should use before sending an ad to the CP Listserv.
To be posted, an ad must contain some indication of your location, so that it's clear you live within the list's boundaries. You do not need to give your full address, but a street name or intersection is sufficient. If there's nothing in your ad to indicate that you're a neighbor, your ad will not be posted. If you live outside the listserv boundaries, you are welcome to participate in discussion but cannot use the listserv as a free ad board. To pay for your ad, click here.
Advertising privileges are reserved for list members and those who live with them in the same household. The CP List does not allow the posting of ads on behalf of friends, colleagues, acquaintances, or on behalf of institutional programs. That last restriction means that you can't use the CP Listserv to seek housing for all the exchange students coming in for a summer school program or all the interns that your office is bringing in from around the country. If your company or organization would like to purchase an advertisement to seek housing for your interns, click here.
You can post a for-sale item once; no reminders or repeated advertisements for the same items. If you have multiple items to sell, be sure to list them all in the same ad. List members can use the list to sell things only a few times per year, and you must wait at least two months between for-sale ads.
All ads for property, whether for sale or for rent, in the neighborhood or out, are published only as paid ads. We hope you are willing to purchase an inexpensive advertisement, which not only is an effective way to find buyers or renters, but which provides the listserv with the financial support it needs to continue its existence.
Babysiters and housecleaners are allowed to advertise their services for free on the listserv (or have an ad submitted for them by a reference) just one every 12 months.
To prevent the Cleveland Park Listserv from being overrun with sports tickets for sale during those seasons, no more than one set of tickets can be sold on the list per day. If you want to sell your Nationals or Redskins tickets and somebody else has already offered tickets for sale that day, just be the first list member on the following day to offer tickets for sale. To cut down on the overall ratio of ads to discussion, list members should not offer tickets for sale more than three times a season.
You can use a service such as TinyPic, www.tinypic.com to link to a photo of the item you're selling, if you want. Attachments are never allowed on the CP Listserv (needed to protect list members from the spread of computer viruses).
Put "needed" or "wanted" or "for sale" or "FS:" or "for free" in the subject line of your message, as appropriate. It makes it lot easier for list members if you specify in the subject line of the message whether your item is something that's for sale or that you're seeking.
Please use the advertising checklist when posting a for-sale item.
11. Spam, spam, spam, spam, spam, and spam. (This section concerns spammers, spam challenge systems, and spam/scam warnings.)
Spam of any kind is prohibited on the Cleveland Park email list. This includes long signature lines that double as advertising or sloganeering, and advertising disguised as "informational messages." Anyone who sends spam to the listserv or to any other listserv or individuals or who is disruptive to the list may have their posts deleted or may be banned from the list.
Ticket scalpers will have their posts deleted and may be banned from the list. The only tickets that may be sold on the listserv are those you bought for your personal use but are unable to use. Tickets may not be sold for over face value. List members who buy and sell tickets on multiple lists may be banned.
Don't send virus, spam, or scam warnings to the list. The Internet is full of fraudulent email, but it's not a neighborhood-related issue -- it's global. List members need to be responsible for their own virus protection and spam filtering. You need not worry about receiving a virus from any email that comes from the Cleveland Park Email List because viruses come in the form of an attachment or forwarded message, neither of which can be posted on this list. The moderators have always diligently screened out all spam, as well, and we ban anyone who attempts to spam the list.
Don't use a spam challenge system on any email account that you use to post to the CP Listserv. The moderators will not jump through hoops to communicate with posters about problems with their posts, and we don't want list members who reply to queries to have to do so, either. If we can't get through to you by replying to your subscribed email address, we may have to cut off your posting privileges. It's frustrating to the moderators and other list members to be unable to communicate with a poster.
12. Snip, snip, snip: Before replying to a post, cut out any parts of the original message that aren't relevant to your reply. In other words, you shouldn't include the entire original message in your reply. Cut out the "tag lines," "message footers," and Yahoo information at the end of each message. This is particularly helpful to people who subscribe to the list digest, who read messages on their cell phones, and who are visually impaired. The moderators cannot do this sort of basic editing for list members and will delete messages that contain the entire digest, have "Digest" in the subject line, have repeated message footers and tag lines, or need similar repairs.
Please keep in mind that the digest cannot accommodate lengthy messages. Strive to be brief. If you can't condense the information you want to convey into a message of just a few paragraphs, then invite those interested in the subject in greater depth to email you off-line for an expanded version of your message. The normal length limit is about 500 words. If you plan to send a longer message, it's a good idea to email the moderators off-list about your intended long message and ask whether it can be put through. Remember: The CP Listserv does not accept attachments.
13. The Cleveland Park Listserv archives are for list members only. Anyone who is not a list member is prohibited from accessing the list's archives. To find out how to use the list's archives, please read the instructions on our FAQ page, http://cpfaq.notlong.com .
14. Anyone who collects or harvests list members' email addresses for spamming, sending advertisements or any other purpose, or who is a spammer, or who joins the list under false pretenses will be banned from the list. Harvesting email addresses will be considered computer trespass. We share our banned member list with other listserv moderators.
These rules are aimed at promoting a list that is friendly but focused, flexible but not a free-for-all. The moderators will make whatever exceptions they find necessary or helpful to meet the needs of individual neighbors, in emergencies, or to serve the overall needs of the group. If you don't find your message on the list, you may assume it has been deleted. Typically about half of the submitted messages are deleted. The moderators sometimes delete messages that meet all the list's rules, in some cases because they have decided not to start a thread on a particular topic, in other cases because that topic was recently discussed at length, or for any of a dozen other reasons. The moderators sometimes write a note of explanation when a message is not published, but with message traffic so high, it's more likely that they will delete without a note to the poster.
You need to have a working email address to post on the Cleveland Park Listserv. If the list moderators have to write to you about your message and you can't read your email, then we may have to put you on can't-post status. Please note that the moderators will not fill out spam challenge forms or make phone calls to contact list members about their messages. If you don't provide us with a working email address where we can reach you if we need to, you may not be able to post on the CP Email List.
By default, replies go to the sender. To post a message to the list, put firstname.lastname@example.com in the TO line of your message. If you receive individual messages, please use the "reply" button to reply to a message. However, it's okay to use "reply to all" to reply to both the list and the sender on some occasions, and to have both the list and sender's email address in the TO line of your message. It is not acceptable to have other recipients in the TO or CC line of your message to the Cleveland Park email list. List members who receive the digest should NOT use the "reply" or "reply to all" button but must start a new message to the posting address; using the "reply" button will send the whole digest back to the group!
The list moderators may ban or put on "can't post status" any list member who violates the list's rules.
The list moderators may edit an excessively long message for length, to remove advertising, or to make the message conform in some other way to the list's rules.
All messages express the views of the person making the post. List members are responsible for the content of their messages.
If your post does not immediately appear on the list, please do not send it again. It can take up to 24 hours for a message to appear on the list.
Please DO NOT put a message to the moderators in your post to the list. If you can't figure out the answer to your question from reading this page or from reviewing the Cleveland Park List FAQ, you can email the moderators at cleveland-park-owner [at] yahoogroups (dot) com -- but please keep in mind that the moderators are all volunteers, and that we do not have unlimited time to deal with list members' questions.
As the Cleveland Park email list grows larger, it's important to have a set of rules that make cyberspace a more pleasant and workable space. We hope that these rules make for a civil but fun neighborhood email list.
Bill Adler & Peggy Robin
List Moderators/Owners
Wow! As you can see, the Cleveland Park Listserv is a very busy place in cyberspace, and takes a lot of time on the part of the volunteer moderators. You are welcome to show your support by making a donation. The moderators appreciate the good karma that comes from knowing that Listserv members appreciate all the hard work that goes into running the Cleveland Park Listserv:
You can reach the list owners at cleveland-park-owner [at] yahoogroups (dot) com. If it's an emergency, call 202-986-9275. (What's a list emergency? A lost pet; a crime suspect at large; a hacker attack on the listserv ... and not much else. List management or receiving problems do not constitute an emergency.)
Appropriate versus not-appropriate advertising-type messages
Read about the Cleveland Park email list in The Washington Post
A webpage devoted to stopping illegal, noisy activities in Washington, DC.
For a useful guide to email etiquette, visit http://www.albion.com/netiquette/index.html or http://www.cs.queensu.ca/FAQs/email/etiquette.html or
A (very) short primer on how to reply to messages
You should also be familiar with Yahoo's rules.
Is My Post OK Or Not OK for the Cleveland Park Email List?
Still not sure whether your post fits within the rules? Here are some examples of posts that are okay ... and some similar posts that are not.
Cleveland Park Email List main page (and how to contact the list moderators - scroll down to the end of that page for the list owner address)
Read a Washington Post article about the early days of the Cleveland Park email list
The Cleveland Park Flickr Group: View and share photos of Washington, DC
We're on Twitter @clevelandpark.
Click here for map of the Cleveland Park listserv coverage area
What is Cleveland Park and vicinity? The Cleveland Park Email List coverage area includes not only Cleveland Park but also the nearby neighborhoods of Woodley Park, Forest Hills, North Cleveland Park, Tenleytown, Cathedral Heights, McLean Gardens, Mass. Avenue Heights, and Glover Park. Parts of Chevy Chase, Friendship Heights, and Georgetown are also included. Here are the boundary lines:
Starting on the southeast corner of the National Zoo, the boundary line goes north and east around the Zoo, continuing along the eastern line of Rock Creek Park, taking in all of the park up to Military Road, which forms the boundary line on the north. Continue straight west along Military Road until Western Avenue. Follow Western Avenue southeast until 46th St. Follow 46th St. due south until Massachusetts Avenue and American University. The boundary line goes to the west to take in the whole American University Campus and then continues south along Foxhall Road at Whitehaven Parkway. The southern boundary of the listserv runs east along Whitehaven Parkway, ending at Wisconsin Avenue, and then continues a few blocks south on Wisconsin until R St. The southern boundary line goes east along R St., taking in all of Montrose Park, which connects at its eastern end with Rock Creek Park, which forms the southeastern boundary of the listserv. If you follow the boundary line of Rock Creek Park northeast you will arrive at the southeast corner of the National Zoo, where we began.
A final note about the rules. When we created the Cleveland Park Listserv in 1999, we had no rules. It was like the free-spirited 60's again. But as this online community grew, we found that list members' views of what should be permitted were, well, their views. And these perspectives sometimes ran counter to good common sense. For instance, the first time that somebody posted THEIR WHOLE MESSAGE ENTIRELY IN UPPER CASE we realized that we needed a rule about this. When somebody who lives in Florida posted a diatribe about Elian Gonzalez, who was staying in Cleveland Park at the time (remember that?), we realized that we need to limit discussion to people who live in the neighborhood and vicinity, lest anyone anywhere in the world be able to comment on any famous or controversial person in Cleveland Park. When somebody first posted a reply to every single message posted that day, we realized.... You get the idea. Most of the rules on the Cleveland Park Listserv are a product of our learning experience and growth.
If you're looking for one "meta-rule" that you can use a guidance when posting to the Cleveland Park Listserv it's this: think of your message as a letter-to-the editor.
Please read our advertising disclosure page here.
List Founders and Owners
"Always online, always caffeinated, always willing to put the listserv ahead of family, friends and the real world."
--The List Moderator's Credo, created by Bill Adler
The TinyURL for this page is http://tinyurl.com/2ymc56


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We all aspire towards financial freedom. It may be travelling the world, purchasing the newest car model, sending our children to the best universities or retiring early and comfortably. One of the keys to building wealth and attaining financial freedom is investment.
Investing is not reserved only for the finance-savvy or wealthy. All of us can and should invest. To help start you off in the world of investing, we provide simple explanations for basic investment terms.
An annuity is a financial product that allows a person to save money for retirement. Annuities have two phases – an accumulation phase or deferred phase and a payout phase. During the accumulation phase, individuals can make either interval contributions of similar amounts or lump sum payment(s) that earn interest and are generally tax deductible up to a certain limit. At the end of the accumulation phase (maturity), the payout phase commences and provides a lump sum and/or a series of payments for the retirement years.
A type of annuity contract that delays payments of income, installments or a lump sum until the investor chooses to receive them. This type of annuity has two main phases: the savings phase when you invest money into the account and the income phase when the plan converts to an annuity and payments are received.
A bond is essentially a contract in which an investor lends money to an entity which generally will be a government or corporate body. The borrower would issue a bond in exchange for the money borrowed. Depending on the terms of the bond, the issuer (borrower) will pay the bond holder (lender) interest and/or repay the principal at intervals or all in one at the end of the contract (maturity). Interest is usually payable at fixed intervals (semi-annual, annual, etc.).
Budgeting is an estimate of revenue/income and expenses over a specified future time period. A budget can be made for a person, family, group of persons, business, government, country, multinational organisation or anyone/anything that makes and spends money.
This is interest on the money lent/invested plus interest on any interest already added to the loan/investment.
Dividends represent a portion of a company's profits that is paid out to shareholders on a semi-annual or annual basis. The Board of Directors of the company declares dividends. It is not mandatory to declare dividends on common stock even though the company is making good profits.
Diversification is a risk-management technique. It mixes a wide variety of investments within a portfolio to minimise the impact one security can have on the overall performance of the portfolio. Diversification therefore lowers the risk of your portfolio. Many individual investors cannot tolerate the short-term fluctuations in the stock market. Diversifying your portfolio is the best way to smooth out the ride. At the same time, diversification is not an ironclad guarantee against loss. No matter how much diversification you use, investment always involves taking on some risk.
Dollar cost averaging is buying a fixed dollar amount of a particular investment on a regular schedule, regardless of the share price. More shares are purchased when prices are low and fewer shares are bought when prices are high. Eventually, the average cost per share of the security becomes smaller and smaller. Dollar cost averaging lessens the risk of investing a large amount in a single investment at the wrong time.
One of the oldest and most traditional ways to invest is to buy stocks and shares in a company. Stocks and shares are commonly called equities. An equity investment generally refers to the buying and holding of shares on the stock market by individuals and firms in anticipation of income from dividends and capital gains as the value of the stock rises. Historically, equities have out-performed safer vehicles like bank accounts and bonds and can act as the real driver for growth in your investment portfolio.
However, investment in shares exposes you to the potential to lose some or all of your money. Shares are considered a risky asset class so an individual should give careful consideration and conduct proper research when contemplating investing in equities.
Financial planning is used to achieve financial success. By having well-written financial goals and implementing them into a financial plan, you can have the means to achieve the standard of living you desire. Your values, goals, personal choices, major life events, lifestyle conditions and lifecycle needs work together to determine the details of your financial plan.
Inflation occurs when the prices for goods and services rise and purchasing power falls. As inflation rises, every dollar buys a smaller percentage of a good. For example, if the inflation rate is 2% per annum, then a $1 pack of gum will cost $1.02 in a year.
A mutual fund pools together money from many investors to perform as one investment. Mutual funds can help individuals with limited amounts of money take advantage of diversification and professional management, especially if they don't have the time or expertise to do it themselves.
Risk refers to the degree of variability in investment returns you are willing to bear. It is the chance that an investment's actual return will be different than expected. Every investment carries some level of risk and you must establish your own level of risk tolerance.
An investor with a high risk tolerance is likely to invest in securities such as stocks in startup companies and is willing to accept the possibility that the value of his/her portfolio will decline, at least in the short-term.
An investor with a low risk tolerance, on the other hand, tends to invest predominantly in stable stocks and/or highly-graded bonds. Your risk tolerance is subjective and may vary according to your age, needs, goals, even your personal disposition.
A security is a negotiable financial instrument that represents some type of financial value. Securities are typically divided into debt securities and equities.
A debt security is a type of security that represents money that is borrowed and must be repaid with terms that define the amount borrowed, interest rate and maturity/renewal date. Debt securities include government and corporate bonds, certificates of deposit (CDs) and preferred stock.
Equities typically represent stock/shares in various companies.
The prospectus is a disclosure document that provides investors with material information about mutual funds and other investments. It usually includes a description of the company's business, financial statements, biographies of officers and directors.
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subset: commoncrawl


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Find the work you are looking for! We have part-time and full-time opportunities for PA. Find work in your area or look for travel opportunities. Work when and how you like—with less stress.
Hire certified and trained Physician Assistant staff in Duluth. 150K+ Network of healthcare staff. Request PA Staffing
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Robin Good: Thanks to Jason Keath and Caleb Gray who have put together this excellent collection of over 100 Facebook advertising case studies and to their specific documentation.
For each one you can find a short, one paragraph description of the campaign, an outline of the results obtained and a direct link to the official case study.
Very useful. 8/10.
Full examples collection: http://socialfresh.com/facebook-advertising-examples/


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Schimenti adds new employees
Ridgefield, Conn. -- Schimenti Construction has added new employees to their staff.
"Our recent growth, and our planning for the future, has resulted in the need to expand our team of construction professionals," stated Matthew Schimenti, company president.
The company has hired Edward Sheeran, project manager; Ryan Lumpuy, superintendent; and Kevin Hanley, estimating coordinator.
Schimenti Construction, founded in 1994, has built a strong reputation in the retail construction industry and has developed a solid niche in urban construction. The firm builds retail-shopping environments for some of the nations leading retailers including Clarks, Fossil, Kohl's, REI, Sephora, Starbucks, Victoria's Secret and Zara.


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Know that you should go to the AHA annual meeting in Chicago, but don't know if you can go? Chicago isn't a city that only a dean can afford. Here, even a graduate student can sleep and eat pretty well, and even escape from the conference itself for some R & R (we promise not to tell anyone that you've escaped).
Getting into Town
The cheapest and easiest way to get downtown is by public transport. The Chicago Transit Authority (https://www.transitchicago.com) runs trains from O'Hare Airport 24 hours a day (the Blue Line route) and from Midway Airport to downtown 3:55 a.m.–12:50 a.m. (the Orange Line route). The Orange Line runs 4:20 a.m.–1:15 a.m. going out. Each way is $1.50 or, while you're at the airport, buy a Visitor Pass ($5–1 day; $9–2 days; $12–3 days or $18–5 days). The passes are good on the train (called the "L") or the bus. Pick up a map when you get to the station and you can find your way around town pretty easily.
Where (and What) to Eat
Something to remember whenever traveling: if you hear of a restaurant you want to try but it seems out of your price range, see if it is open for lunch. The menus are usually similar, if not the same, but prices are lower, so you can have a big lunch and then have cheap appetizers or cheese and crackers in the hotel for dinner. Prices listed are those of an average dinner entrée. Unless indicated otherwise, restaurants are open for lunch and dinner seven days a week.
Ada's Famous Deli & Restaurant,14 S. Wabash Ave. Jewish/Kosher deli, breakfast, lunch, and dinner. $8.
Artists' Restaurant, 412 S. Michigan Ave. A Fine Arts building tradition. $8–$15. Wheelchair access.
Billy Goat, 430 N. Michigan Ave. (lower level). Originally opened in 1934 across from the dearly departed Chicago Stadium where the Owner William "Goat" Sianis put a curse on the Chicago Cubs. In 1964 Billy Goat moved to its location on Michigan Ave. This is the place where the "Cheezborger Cheezborger" skit from SNL started. Along with the cheezborger is a really cheap egg and cheese sandwich ($1.80).
Bar Louie, 47 W. Polk St. Bar and sandwiches. Hours: 11 a.m.–2 a.m. Under $8. Wheelchair access.
Berghoff Restaurant, 17 W. Adams St. Founded in 1898, the Berghoff has been a family operation for four generations. Chicago's oldest restaurant, it sells its own beer, root beer, and bourbon and received Chicago's first post-Prohibition liquor license. $8–$15. Wheelchair access, Braille menu available. Closed Sundays.
Broadband Café, 58 E. Randolph St. Light fare and coffee at an Internet café (T-1 connections, Windows 2000, Zip drives). Closes early evening.
Cellars Market, 141 W. Jackson Blvd. Salad bar is the highlight. Breakfast and lunch M–F. Under $8. Cash only. Wheelchair access.
Exchequer Pub, 226 S. Wabash Ave. Student-friendly. $6 to $8 without drinks. Wheelchair access.
Flat Top Grill, 1000 W. Washington Blvd. Create your own stir-fry. $8–$15. Wheelchair access.
Fontano Subs, 20 E. Jackson Blvd. Hot and cold subs; Italian sausage or meatball with hot peppers are winners! This is not "Subway." Cash only, under $7.
Food Bucket, 111 E. Wacker Dr. "Welcome to the fastest carryout in the business," says the sign. Homemade soups, deli sandwiches, and huge salads. Lunch only, closed Sat. and Sun. Under $5.
Hackney's Printers Row, 733 S. Dearborn. Cozy pub atmosphere in a historic neighborhood. $8–$15. Wheelchair access.
Heaven on Seven, 111 N. Wabash Ave., Seventh Floor. Takeout counter specialties are Po' boy sandwiches, andouille sausage, soft-shell crab, and down-home sides like collard greens, cheese grits, and corn muffins. Friendly staff helps make it an, ahem, hot Loop lunch spot. Breakfast and lunch M–Sat. $8–$15. Cash only. Wheelchair access.
Jubilee Juice, 140 N. Halsted St. Burgers, fresh-squeezed juice and smoothies. Closed Sun.
Little Louie's, 24 E. Congress Pkwy. Interesting display of newspaper clippings ("I was Queen Elizabeth's love slave"). Under $8. Wheelchair access.
Max's Take Out, 20 E. Adams St. Breakfast is popular, very cheap. Breakfast and lunch only Sat.
Miller's Pub, 134 S. Wabash Ave. Close to meeting hotels, bar service until the early morning hours. $8–$15. Wheelchair access.
Old Timer's Restaurant and Lounge, 75 E. Lake St. Classic neighborhood diner. $8–$15. Not wheelchair accessible.
Potbelly Sandwich Works, 303 W. Madison St.; 190 N. State St. Enter on Franklin. Roasted sandwiches. Lunch only Sat., closed Sun. Under $8. Cash only. Wheelchair access.
Standing Room Only (SRO Chicago), 610 S. Dearborn St. Deli. Closed Sun. Under $8. Cash only. Wheelchair access.
Taco Fresco, 180 N. Wells St.; 105 W. Adams St. "Health-Mex." Lunch only, closed Sat. and Sun.
Taza, 39 S. Wabash Ave. Salads, fresh wraps, specializes in chicken. Under $8. Cash only. Wheelchair access.
Where to Spend Time
Please note that unless indicated otherwise, some of these sites require a donation for admission.
Art Institute of Chicago (https://www.artic.edu), 111 S. Michigan Ave. Need we say more? Running during the annual meeting is Medici, Michelangelo and the Art of Renaissance Florence.
Chicago Architecture Foundation (https://www.architecture.org), 224 S. Michigan Ave. The CAF provides walking, boat, and bus tours of Chicago architecture. Gallery admission free. Wheelchair access.
Chicago Cultural Center (https://www.ci.chi.il.us/Tourism/CulturalCenter/), 78 E. Washington St. Once this was the main branch of the Chicago Public Library. Still one of the most wonderful structures downtown, a neoclassical masterpiece that features art-glass domes and glittering mosaic walls. Daytime concerts (every weekday at 12:15 p.m. and other times), contemporary art. Tourist center to get your bearings. Free admission. Wheelchair access.
Museum of Broadcast Communications (https://www.mbcnet.org), 78 E. Washington St. One of the few museums and archive centers of the broadcast industry in the country, the MBC is housed within the Chicago Cultural Center complex. Free. Wheelchair access.
Newberry Library (https://www.newberry.org), 60 W. Walton St. An independent research library specializing in the humanities. Free admission to galleries.
Chicago Historical Society (https://www.chicagohs.org), Clark Street at North Avenue. One of the best urban history museums in the country. The society is offering free admission to AHA annual meeting attendees (badge has to be shown to door monitors).
Hellenic Museum and Cultural Center (https://www.hellenicmuseum.org), 168 N. Michigan Ave. The story of Greeks in America, and particularly in Chicago, is told through crafts, photos, musical instruments, family memories, and artifacts. Closed Sat., Sun. Wheelchair access.
Museum of Contemporary Photography (https://www.mocp.org), Columbia College, 600 S. Michigan Ave. Commercial and art photography. Free. Closed Sun. Wheelchair access.
Spertus Museum at the Spertus Institute of Jewish Studies (https://www. spertus.edu), 618 S. Michigan Ave. Jewish life in America and around the world, Zell Holocaust Memorial. Closed Sat. Free on Fri. Wheelchair access.
Places to Shop (but not necessarily to buy)
Afrocentric Bookstore, 234 S. Wabash Ave. Closed Sun.
Booksellers Row, 408 S. Michigan Ave. Huge used book store. Open evenings.
Chicago Music Mart, DePaul Center, 333 S. State St. A "food court" of fine music stores. Live performances on lower level most days around noon.
Gallery 37 Store, 66 E. Randolph St. The Gallery 37 Store serves as a showcase for work created by students enrolled in Gallery 37, the city's training program in the arts. Pick up a Chicago souvenir and support budding artists. Closed Sat. Cash only. Wheelchair access.
Harlan Berk, 31 N. Clark St. Coin museum. Closed Sat., Sun.
Prairie Avenue Bookshop, 418 S. Wabash Ave. It makes sense that a city famous for its architecture should have a great architectural bookstore. Closed Sun.
Rain Dog Books, 404 S. Michigan Ave. Geared toward collectors. Nice browsing.
What to See (Public Art)
Alexander Hamilton, 50 S. Michigan Ave., Sculpted by Lynn Pratt, a student of Augustus Saint-Gaudens. Located in Grant Park, east of Michigan Avenue between Madison and Monroe streets.
The Flight of Daedalus and Icarus, 120 N. La Salle St. This 27-by-54-foot mosaic by Roger Brown shows the flight of Daedalus and his son, Icarus.
Untitled, or The Picasso, 50 W. Washington St. This 50-foot structure in Daley Plaza is made of Cor-Ten steel. When it was installed in 1967, many people were not comfortable with Picasso's abstract design and nontraditional materials, but it led the way for many other sculptures to be placed in and near the Loop. Some people see the head of a woman, others a horse or a bird.
Dawn Shadow, 200 W. Madison St. Louise Nevelson's work was inspired by Chicago's "el," or elevated train.
Doorful of Syrup, 35 W. Wacker Dr. This steel and enamel sculpture by John Chamberlain stands in the lobby of the Leo Burnett advertising agency's headquarters.
The Four Seasons, 1 First National Plaza. Mark Chagall's huge mosaic—made of hand-chipped, pastel-colored stone and glass fragments—offers a Mediterranean view of the changing of seasons. Chagall saw the seasons as representing "human life, both physical and spiritual, at its different ages.
Freeform, 160 N. La Salle St. Richard Hunt's sculptures characteristically suggest a lack of creative restraint. The sculpture is on the Illinois State Office Building and, as Hunt sees it, is an expression of government, "On one hand, Freeform has to do with an abstract art in that it is freely formed. On the other hand, it is perfectly suitable symbol for government which supports individual freedoms."
The George Washington-Robert Morris-Haym Salomon Memorial, 44 E. Wacker Dr. (Herald Square). The familiar figure of George Washington is shown with two of his lesser-known civilian supporters, Robert Morris and Haym Salomon, both major financial backers of the American Revolution (but who died penniless).
The Lions, 111 S. Michigan Ave. The cats at the Art Institute of Chicago have come to symbolize Chicago—they even wore Bulls jerseys during championship runs. Commissioned after the 1893 World's Columbian Exposition and sculpted by Edward Kemeys, the cats stand at slightly different poses—one is on the prowl while the other stands as if in defiance.
Storefront Theater, 66 E. Randolph St. 312.744.8925. Original works and second stagings of Chicago's best off-Loop theater and dance companies in an intimate state-of-the-art, 99-seat, black box theater.
HotHouse, 31 E. Balbo Dr. 312.362.9707. Not-for-profit center booking leading local, national, and international music, often less than $10. The city standard for jazz, world music, film, and performance pieces. Wheelchair access.
McCormick-Tribune Ice Rink at Millennium Park, 55 N. Michigan Ave. 312.742.5222 Skate rentals $3 per session.
Hot Tix, 78 W. Randolph St.; 163 E. Pearson St.; 214 S. Wabash Ave. Same-day half-price tickets for about 140 city and suburban theaters. You must buy tickets in person at a Hot Tix location to obtain the discounted price.
— are graduate students in the department of history at the University of Illinois at Chicago.
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License. Attribution must provide author name, article title, Perspectives on History, date of publication, and a link to this page. This license applies only to the article, not to text or images used here by permission.


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Genealogy is often like pulling the arm of a slot machine. Sometimes you do it just to watch the symbols spin by without any real expectation that you're going to hit a jackpot. But it's pretty amazing when you do and 30 years of arm pulling finally pays off. This past week I made an unexpected find in the form of an obituary for Elizabeth E. Ferry. This particular brick wall (not the best way to talk about your great great great grandmother!) stemmed from the fact that none of Elizabeth's 10 surviving children seemed to know the name of her mother. The line for Mother's Maiden Name on Elizabeth's Certificate of Death reads "Don't Know". The death certificates of Elizabeth's children were no more helpful. How could people not know the name of their grandmother? I still don't have an answer to that, but I do now know her name.
You might be thinking "Why didn't you look for an obituary earlier?" I did look and often. I've spent untold hours combing through old York county and Maryland newspapers. In fact, I have a couple obituaries and newspaper memorials for Elizabeth, but they didn't give any information not already included on her Certificate of Death. This past Friday however, I stumbled upon an obituary in "The (York) Gazette and Daily" dated 14 Apr 1937. It was longer than the others and packed with names, not surprising for a woman with 12 children. A quick skim revealed no mention of parents. There were however a grouping of unfamiliar names listed after her children. My slot machine jackpot read as follows:
Also surviving are three half-sisters and one half-brother, as follows: Mrs. Amanda Miller, York; Mrs. Hannah Harding, Texas, Md.; Mrs. Sadie Harmon, Cockeysville, Md.; and J. E. Knopp, Rocks, Md.
All I needed were leads and now I had four. Elizabeth's father was John Ferry; that's all I know about him. If the people listed in the obituary were half-siblings, that meant Elizabeth's unnamed mother was married at least twice. It took no time at all to find Joseph E. Knopp, Jr. of Rocks, Maryland (and his wife Amanda and their ten children). Next, I found Hannah J. (née Grafton) Harding of Texas, Maryland (and her husband Ephraim and their five children). Notice the maiden name? Mr. Grafton is Husband #3 for Elizabeth's mother. Third, I found Amanda (née Grafton) Miller of York, Pennsylvania (and her husband Thomas and their five children). Lastly, I found Sarah (née Grafton) Harmon of Cockeysville, Maryland (and her husband Samuel; still digging-up information on them). So who is the mother?
In 1920, Thomas and Amanda Miller lived at 588 North Water Street in York, Pennsylvania. Thomas was a signal repairman for the Pennsylvania Railroad. Every night he'd come home to his lovely wife, four children, and his mother-in-law — Sarah Grafton. We have a name! Sarah was 79 years old and widowed, probably for the third time. Finding Sarah before 1920 has been difficult, she does however appear in 1860 under the name Sarah Knopp, married to Joseph E. Knopp Sr., with a one year old daughter (who was not living at the time of Elizabeth's obituary). In that census, Sarah is living with her parents, John and Susanna (née Cramer) Harman.
One breakthrough just gave me two generations and an abundance of family to research. The question is, why didn't the Channells know who she was? Elizabeth used to visit her sisters in Texas, Maryland (near Cockeysville) from time to time. Whoever wrote the obituary knew every surviving Channell and their whereabouts (including Clarence who was imprisoned in Denver at the time) and the names and locations of Elizabeth's half-siblings. What happened to Elizabeth's husbands? Did she have a special mushroom soup recipe that she served when it was time to move on (thanks Tamara!)? There will never be an end to the questions but there was one more thing to do before diving back into the census records, newspaper archives, death certificates, etc. This morning, I threw the kids in the car and we took a trip to Ashland Presbyterian Church in Cockeysville. I didn't recognize the area by GPS but when we got close I realized that I'd passed that place countless times before. The little stone church sits on a dangerous curve along Paper Mill Road, a route we used every time we went to visit Uncle Albert and Aunt Diane as kids. There, in the second row, plainly visible from the street, stands the stone of Sarah J. (née Harman) Grafton, my great great great grandmother.
Grandma Sarah, pleased to meet you! I promise not to call you a "brick wall" ever again.


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Forest Lakes Country Club – Four Seasons, One Stunning Location. Forest Lakes is Atlantic Canada's premium, resort-style residential community in the heart of Nova Scotia. Situated just 35 minutes from Downtown Halifax, and within a 40-minute drive from the picturesque Annapolis Valley and an hour from the seafaring South Shore, Forest Lakes is located in […]
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So I went to Salute 2011 on Saturday 16th April.
Picked myself up:
3 of these...
...to use in the mega campaign I'm planning later in the year.
This dude...
...for my Astral Claws/Tyrant's Legion
This dude...
...for nostalgia (for now?)
And these:
Plus two books:
What'd I see?
Forge World - yeah, the Phantom Titan looks pretty damn fine in person
Studio McVey - they produce some excellently detailed models (I already owned one anyway, but it was good to see more of the range "in the flesh"). Mike was at the stand getting random handshakes from passers-by who read WD when they were first getting into the hobby.
Heresy Miniatures - I've browsed their site a few times looking at possible Daemon Prince and Herald models and always been a bit but seeing some of them in the flesh impressed me. Their prices unfortunately make GW look cheap
Mantic - unfortunately Ronnie had just been sucked into a demo game of Dwarf King's Hold when I rolled up, so I didn't get to chat to him
River Horse - Alessio Calvatore taught me to play his new game Shuuro, which was fun. After dominating the early game I lost though
Battlefleet Gothic
Whilst I was at the FW stand, the guy next to me was talking to the staff about the BFG scenarios in the Badab War books. The FW staffer said that there is a desire at FW to do some more stuff with BFG, but that at the moment they are working at capacity.


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Started in 2006, Molecular Frontiers operates as a non-profit organization, hosted by the Royal Swedish Academy of Sciences. Its Scientific Advisory Board, a group of eminent scientists including many Nobel Prize laureates, represent expertise from a wide range of molecular science disciplines
Date: October 28-29, 2013
Organized by Molecular Frontiers Foundation, the Royal Swedish Academy of Sciences, Nanyang Technological University, and Korea University, this special event brough together the most famous collection of scientists ever to visit Korea at one time!
A large number of high school students met and interacted with leading scientists, university presidents, government ministers, business leaders and several Nobel Prize winners.
Lectures, in chronological order:
Convergience of Science - a View Through the Nobel Prize
Prof Bengt Nordén, Chairman of Molecular Frontiers Foundation
Bioinfomatics for the 21st Century
Dr Richard Roberts, 1993 Nobel Prize in Physiology or Medicine, New England Biolabs, United States
Toward Developing New Bioprotective Compounds: Biological Challenges and Chemical Opportunities
Professor Andrew Fire, 2006 Nobel Prize in Physiology or Medicine, Stanford University, United States
To Discover the Unknown
Professor Bertil Andersson, Presiden of Nanyang Technological University, Singapore
Bioinformatics for Drug Delivery
Dr Robert Langer, Massachussetts Institute of Technology, United States
Tastes in My Heart - How Passion Made My Dream Come True
Chef Jennie Walldén, 2013 Winner of Master Chef, Sweden
How Do We Foster Creativity to Solve Big Problems?
Panel talk
From Basic Science to Advanced in Antiinfective Medicine
Professor Ada Yonath, 2009 Nobel Prize in Chemistry, Weizmann Institute, Israel
Inorganic Graphene Analogues and Related Materials
Professor C N R Rao, Jawaharlal Nehru Centre for Advanced Scientific Research, India
Development of Canceer Immunotherapy Utilizing Cross-disciplinary Tools in Biomedical Engineering
Professor Kyung-Mi Lee, Korea University, Republic of Korea
Revisiting Old Knowledge in an RNA World
Dr Alexandra Henrion-Caude, National Institute of Health and Medical Research, France
Muliscale Modeling of Complex Biological Systems and Processes
Dr Arieh Warshel, 2013 Nobel Prize in Chemistry, University of Southern California, United States
Science, Culture and My Story
Panel Talk
Kobe AD EP Shoes


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Spy X Family - Ania Forger Double Wall Water Bottle
Shipping calculated at checkout.
This product is unavailable
- Officially licensed Spy x Family water bottle by Great Eastern Entertainment.
- Cute and collectible, with official high-quality artwork, making the perfect gift for any anime fan!
- Made out of durable plastic, perfect for indoor and outdoor use, lasting for years to come!
- This water bottle holds up to 750mL. Hand wash only.
- Packaging comes with official licensing information.
- Measures about 10.25 inches tall, 2.75 inches wide, and 2.75 inches long. Holds up to 450 mL.
Due to licensing and/or shipping restrictions, this item can only be shipped within the following territories:
Worldwide, excluding Asia


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Know Your Breeds
Maybe you're an active and outgoing person looking for a companion who's just as adventurous as you are. Or perhaps you would like a relaxed, low-maintenance feline whose favorite activity is napping. Ultimately, you know what you want, but do you know how to find it? Start by exploring breeds of cats. Each has a specific history, personality and appearance, and one of them could be a perfect fit for you and your lifestyle.


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Project Name
Online Media Management
WebSolutions Inc
Our Role
SEO Optimization
Marketing, Agency
Bayswater Financials – Social media strategies that help create a positive buzz!
Bayswater Financials – Social media strategies that help create a positive buzz! Bayswater Financials is an organization that provides value-generation and growth-oriented solutions to entrepreneurs, startups and dynamic middle-market firms. In the business market of today, competition is fierce. The only way to cope up with the roaring competitors is by staying updated with the newest market trends.
This is what Bayswater Financials ensured by leveraging the digital domain to their benefit. But the brand was not growing as expected. To increase the brand awareness and alleviate sales numbers, Bayswater Financials decided to step into social media marketing to reach out to the target market they were previously missing out on.
"Subjects which seemed worthy of focus only a few weeks earlier now seem flippant at best, and downright insensitive at worst.
As with almost every other aspect of every other industry since the coronavirus pandemic hit, there has been a huge upheaval in the way that content marketing operates.
Much like other forms of journalism, subjects which seemed worthy of focus only a few weeks earlier now seem flippant at best, and downright insensitive at worst. This means a complete overhaul of long-planned content calendars, and finding a way to adapt articles to this changed reality. It calls for something of a rethink of how we as SEO content creators approach our work.
The real challenge with Isuzu's brochure design was to craft a design that symbolizes the essence of the brand & depicts the vehicle's specifications in a clear and concise manner. The company provided Branex with a lot of information regarding their product at hand i.e. Forward & wanted Branex to design a brochure that could be used for marketing in exhibitions, tradeshows, events,
Since Bayswater Financials was entering the social domain for the first time, it was a tricky task for Branex to not only make their social presence noticeable but also help them achieve their goals. We spent tireless days and nights and created a wholesome strategic plan that exceeded our expectations.


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YAMAHA Network Receiver (RN602B)
- MusicCast expands entertainment possibilities
- Streaming services offer a huge range of listening choices
- Enjoy the entire spectrum of all your favorite modern music sources
- 5.6MHz DSD Native and AIFF 192kHz/24bit reproduction with high performance 24-bit D/A converter
- MusicCast CONTROLLER lets you operate from your smartphone or tablet
- Wireless music streaming via Bluetooth® or AirPlay
- Bluetooth Output for convenient music streaming
- USB digital connection for iPod, iPhone, and USB devices
- Pure Direct Mode for greater sound purity
- Digital audio input for TV or Blu-ray player
- Eco Mode and Auto Power Standby
- Voice control using your Alexa device like Echo or Echo Dot
In stock
High sound quality Network HiFi Receiver with support for DSD 5.6MHz reproduction. Compatible with MusicCast and packed with network functions. Unlimited enjoyment of many different sound sources, including hi-res sources, smartphones and streaming services.
MusicCast is a new revolution in network audio, use all your MusicCast products together or separately, it's completely up to you. Control it, all from one app, designed to be intuitive, quick and simple to use. Use a soundbar, a wireless speaker, an AV Receiver, HiFi audio whichever suits you best, mix and match then expand your MusicCast system as time goes on. All new from Yamaha, the MusicCast system brings everything to everywhere for everyone.
MusicCast Expands Entertainment Possibilities
MusicCast employs a high performance wireless network to deliver music and audio enjoyment. It can stream digital music content from your smartphone, PC or NAS to other MusicCast devices in your home. It can also share the music from external devices such as a CD player or TV connected to the R-N602. Audio content from Bluetooth-connected smartphones or tablets can also be streamed to MusicCast devices in multiple rooms.
Enjoy the Entire Spectrum of All Your Favourite Music Sources
The R-N602 is a receiver and network audio player in a single unit. You can use it to easily play audio sources downloaded from the Internet and stored on a PC or NAS system. Or, enjoy streaming music services and internet radio (with vTuner). Moreover, Yamaha's original MusicCast App allows you to enjoy your favourite tunes on a smartphone or tablet device via wireless connection.
Streaming Services Offer a Huge Range of Listening Choices
Support for the music streaming services Spotify, Pandora, Juke, Napster, Rhapsody and Sirius XM means you'll enjoy a wide variety of music content. Furthermore, support for the vTuner radio station database enables sampling of Internet radio broadcasts from around the world.
*Music service availability varies by region.
Wireless Music Streaming via Bluetooth or AirPlay
Enjoy music from your smartphone or tablet wirelessly using a Bluetooth connection. You can also use the convenient AirPlay function for wireless music streaming from iPhone or iPads. In addition, a Network Standby function providest he convenience of having the R-N602 turn on and off automatically.
Bluetooth Output for Convenient Music Streaming
The R-N602 is equipped with the latest Bluetooth technology, making wireless operation more convenient than ever. You can stream music from the R-N602 to Bluetooth headphones for private listening or to Bluetooth speakers.
Easy setup with your smartphone or tablet
Use your smartphone or tablet together with the MusicCast CONTROLLER app to operate the speaker and change settings quickly and easily. The same Controller app functions as a remote control for all your MusicCast-compatible devices too.
USB digital connection for iPod, iPhone, and USB devices
The R-N602 provides a USB port on the front panel for quick connection of an iPod, iPhone or USB stick. You have instant access to all your stored music, and the digital connection ensures that you hear it with the highest possible sound quality.
Gapless Playback compatibility
Many live and classical albums have no gaps in the music. Gapless playback ensures that there are no pauses between audio files. This provides playback with no interruptions, the way it was meant to be heard.
* Compatible with WAV, FLAC, AIFF and ALAC file formats, and input from USB / DLNA / DMP.
ToP-ART Sound Quality Design and Highest Quality Parts
Everything in the R-N602 has been built for maximum performance and high quality. The internal design utilises simple, direct transmission of the signals— ensuring optimum separation, elimination of noise and distortion, and pure sound reproduction. This includes dual independent power supplies for the two sound sources, analogue and digital, as well as Yamaha's original ToP-ART (Total Purity Audio Reproduction Technology) and Art Base chassis construction to fully protect audio signals from noise and vibration. Moreover, all parts and materials have been carefully selected and tested, to make sure they are of only the highest quality—so that they all work together to provide the absolute best sound possible.
5.6MHz DSD Native and AIFF 192kHz/24bit Reproduction with High Performance 24-bit D/A Converter
5.6MHz DSD Native Resolution and AIFF 192kHz/24-bit Reproduction with High Performance 24-bit D/A Converter To ensure maximum network audio quality, the receiver supports WAV/FLAC 192kHz/24-bit, Apple Lossless 96kHz/24-bit, DSD 5.6MHz and even the new AIFF 192kHz/24-bit formats. It uses a BurrBrown 192kHz/24-bit DAC that has a firmly established reputation for quality. You'll enjoy the beautiful sounds of high resolution audio.
Pure Direct Mode for Greater Sound Purity
Engaging the Pure Direct switch causes the audio signal to bypass the control circuits for bass and treble, balance and the back buffer amp. This improves sound quality while maintaining full output capacity. Shortening the signal route improves sound purity, helping to reproduce even the most delicate musical nuances.
Digital Audio Input for TV or Blu-ray Player
The R-N602 is equipped for digital audio input—with both optical and coaxial terminals. The optical is for receiving audio from a TV, and the coaxial for receiving audio from a Blu-ray player. The audio stays in the digital domain, giving you pure, pristine dynamic sound for all your entertainment sources, from sports and other programmes to movies and concerts.
Simple yet Sophisticated Design
With a beautifully simple and unique design inherited directly from Yamaha's HiFi audio components, the R-N602 also boasts an easy-to-operate button layout. The aluminium front panel has a richly textured silver hairline finish. Both inside and out, everything about the R-N602 demonstrates our commitment to superior design and operability.
Eco Mode and Auto Power Standby
The R-N602 has an ECO mode that reduces power consumption by about 20%*, and an Auto power standby function that you can set to turn the power off after 2, 4, 8 or 12 hours.
*Compared to power consumption when ECO mode is off (Yamaha measurement).
Other Notable Features
• Continuously Variable Loudness Control
• Terminal for a Subwoofer
• Phono MM terminal for vinyl playback
• Screw-type speaker terminals
• 40 station FM/AM preset tuning
• Speaker selector and speaker terminals for two systems
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Anthurium Amnicola aka Tulip Anthuriums
Tulip anthuriums originally hail from the tropical South American country of Panama. In the wild, they like to grow on boulders that are located next to streams. I guess they like hanging out by rivers, just like fly fishermen do.
They are a most excellent variety of anthurium, because they have a pleasant, swell-smelling fragrance and they can produce up to eight flowers a year. Furthermore, they make excellent indoor plants, because they are small and don't take up a lot of room.
They are an interesting kind of anthurium because of the distinctive shape of their flowers. Instead of being heart shaped like most other anthuriums, they are tulip shaped. They have light purple petals and dark purple noses. I like how they are like tulips with a tropical ambiance. Pure-breed Amnicola produce small, dark-green, spade shaped leaves and small flowers with short stems that generally top out at twelve inches long.
Amnicola has frequently been hybridized with Anthurium Andraeanum to produce a variety of flower colors, which include: purple, red, pink, purple, green, fuschia, lavender and white. Pure-breed amnicola and hybrid amnicola can both produce up to eight flowers a year, so your amnicola could have flowers on it year round. It also produces offshoots quite readily, so it is ideal if you want to produce more plants. You can let the offshoots develop for a while and once they are big enough you can separate them from the parent plant and put them into their own pots.
Some of the hybrids can have interesting names such as Misty Pink, Lady Jane, Pink Elf, and Pink Champagne. Others have less creative names like: Andraecola-1 and Andraecola-2 that were created by taking the first part of Andraeanum and the last part of Amnicola and putting them together. Of course these will probably be given other names at some point.


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Listing is for a unit designed to fit all LHD LWB Vauxhall Vivaro, Renault Trafic, Nissan Primastar campervans (2001 - onward) and have been scribed to perfectly fit the vehicles contours. The units are made from high quality 15mm light weight plywood with a tough / durable laminate and are precision cut on our in house CNC machines.They are offered in a range of 12 standard colours and 12 special order colours (more available on request, main advertised unit is built from the 'Grey Santa Fe Oak' range with silver trim) we can also supply different colour worktops for an additional cost. They come with FREE table leg and rail, and also come complete with any choice of 11 trim colours fitted (see pics for the range) and all parts are recessed for extra strength and durability and also pre pilot holed for a smooth / easy installation (approx 1 hour) The units are designed to work with a full range of bed widths (1120mm / 1200mm / 1250mm). We also offer an alternative design to accommodate the SMEV oven if required (please mail for additional information). We have constructed sample units in our showroom which customers are more than welcome to view and see the high build quality. Please feel free to give us a call on 01254 230300 if you have any further questions or there is a colour you require that isn't in our online range and we will be more than happy to assist you. We also offer an assembly and fitting service, please drop our team a message for further information.
These are just a few of the features that make our products stand out from other products on the market:
- Streamlined sprung loaded locking handles to all doors
- All units feature recessed joints for additional strength
- Flat packed for easy delivery
- Designed to accommodate Weaco CR50 (or similar)
- Can pre cut out the worktop for your specific sink unit
- Pre scribed to perfectly fit the contours of your vehicle
- Step by step fitting instructions with pictures
- Flush fit doors with high quality hinges
- Soft close high quality drawer runners
- High quality tambours doors for easy access
Kitchen storage units are bespoke orders and non-refundable. Please ensure that the vehicle is ply lined to the factory standard so then it will neatly fit the scribe of the units. The units are made to fit a standard 1.8 metre bed frame.


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Ahhhh! We love this cover of Penalty Play by Jami Davenport!
Coming soon on November 16, 2017!
Nook → http://bit.ly/2ueZ5Dh
iBooks → http://apple.co/2u5uSq9
Kobo → http://bit.ly/2v9mYc5
Single dad and star defenseman Matt LaRue lives for his kids and hockey. He's had one failed marriage and doesn't have any interest in going through that hell again. As conservative as they come, he can't explain his unexplainable attraction to a free spirited female who changes hair color more often than his boys create new excuses not to do their homework.
Violet Strider is fleeing the past. She has a new start, new identity, and is hiding a big secret. Matt and Vi are a classic case of opposites attract, but neither expects the attraction to extend beyond a few hot trysts, especially Vi. Only her heart isn't listening, and her head is following her heart down a path of no return. As Vi grows closer to Matt and his boys, she fears her secret could rip them apart.
Relationships are built on trust, and Vi's house of cards is about to take a tumble. Can Vi confront her past and finally put it behind her, while earning Matt's forgiveness?
The Seattle Sockeyes Hockey Boxed Set by Jami Davenport is FREE!
Amazon US → http://amzn.to/2u536di
Amazon Universal → myBook.to/SeattleBoxedSetFREE
Nook → http://bit.ly/2v9oMBA
iBooks → http://apple.co/2uf4ryo
Kobo → http://bit.ly/2uaDM5i
About the Author:
USA Today Bestselling Author Jami Davenport writes sexy contemporary and sports romances, including her two new indie endeavors: the Game On in Seattle Series and the Madrona Island Series. Jami's new releases consistently rank in the top fifty on the sports romance and sports genre lists on Amazon, and she has hit the Amazon top hundred authors list in both contemporary romance and genre fiction multiple times. Jami ranked Number Seven on Kobo's Top Ten Most Completed Authors, an honor bestowed on the year's "most engaging" authors based on an average page completion rate by their readers.
Jami lives on a small farm near Puget Sound with her Green Beret-turned-plumber husband, a Newfoundland cross with a tennis ball fetish, a prince disguised as an orange tabby cat, and an opinionated Hanoverian mare.
Jami works in IT for her day job and is a former high school business teacher. She's a lifetime Seahawks and Mariners fan and is waiting for the day professional hockey comes to Seattle. An avid boater, Jami has spent countless hours in the San Juan Islands, a common setting in her books. In her opinion, it's the most beautiful place on earth.
Connect with Jami!
Subscribe to my newsletter to receive a free novel and be notified of new releases, special sales, and contests: http://eepurl.com/LpfaL
Website Address: http://www.jamidavenport.com
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