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tag:blogger.com,1999:blog-38040482020-02-29T02:44:21.021-05:00IN THE LAND OF THE BLIND...The on-line kingdom of Andy X. Andyhttp://email@example.com:blogger.com,1999:blog-3804048.post-876843672003-01-19T12:01:00.000-05:002003-01-19T12:01:48.693-05:00PAGING HARRIET NELSON

One aspect of President Bush's "stimulus" plan that has been overlooked in the furor over the dividend plan, is the treatment of the "marriage penalty". This is unfortunate, because the marriage penalty, and how to address it, was a right wing issue during the Clinton Presidency; President Clinton vetoed Congressional action addressing the marriage penalty in 2000... The argument is that the current system unfairly penalizes 2 income married couples by taxing them filing together at a higher rate than if they filed separately - however, the way the GOP wants to fix it will instead unfairly benefit those married families with only one wage earner - yet more "special rights" for one group of people at the expense of others - particular those who are prevented by law from getting married in the first place.

Anyway - good background article in today's NYT about the conservative social policies behing this aspect of the marriage penalty part of the tax bill.:

 Marriage Penalty, Except When It Isn't
By EDMUND L. ANDREWS

ASHINGTON

IF politicians of almost every stripe agree so readily about an issue, it is usually worth a closer look.

Such is the case with an important but barely debated component of President Bush's $674 billion tax-cut plan: relief from the "marriage penalty."

It is hard to find an idea with more mom-and-apple-pie appeal. Who wants to be against marriage? Who wants to be for higher taxes? Who would defend a tax burden that seems both unfair and capricious, a result of anomalies in the law?

As any two-income married couple knows, the marriage penalty kicks in when the husband and wife combine their incomes on a joint tax return and suddenly find themselves in a much higher bracket. A couple who together earn $80,000 owe hundreds more than two singles who each earn $40,000.

Small wonder that Democrats, who have attacked Mr. Bush's overall plan as reckless and overwhelmingly tilted toward the rich, have said virtually nothing about plans to alleviate this problem.

But for all the complaints about the marriage penalty, the current tax code is in many ways heavily biased in favor of married couples, especially those with children. Tens of millions of families actually receive big marriage bonuses, which would become even bigger under Mr. Bush's plan.

Consider the tax loads of three different households, each with an annual taxable income of $60,000. In an analysis prepared last week by Deloitte & Touche, the accounting firm, a single person with no children would owe $7,943 under current law and receive a tax cut of $345 under Mr. Bush's plan.

By contrast, a married couple who have two children and file jointly would pay $3,300 under current law and $2,400 under the Bush plan. Did someone say marriage penalty?

Defenders point out that the married couple have more mouths to feed, more clothes to buy and more house to pay for. But consider the third household: a single mother with one child. She would have to shoulder child-care expenses that a married couple with a stay-at-home parent would not. Yet she would owe $1,800 more than the married couple under current law, and her tax cut would be about half that of the married couple.

The big winners under current law and the Bush plan are the Ozzie and Harriets — married couples with only one breadwinner and two or more children.

Two-income married couples are in some respects the biggest victims of the marriage penalty, and their problems do not disappear under the Bush plan. Single people pay the highest taxes of all, under current law and the Bush plan, though a single person earning $60,000 may still end up paying less than a husband and wife who together earn the same amount.

There are technical reasons behind all this, but they seem to stem from a surprisingly intense political battle waged by influential conservative groups determined to encourage stay-at-home moms.

"The people who are treated the best are families with stay-at-home spouses, who, not surprisingly, are an important constituency for Republicans," said Edward J. McCaffery, a law professor at the University of Southern California and the author of "Taxing Women" (University of Chicago Press).

As far as two-income couples are concerned, "the more equal they are as earners, the higher the penalty will be," Mr. McCaffery added.

NE big reason for the bigger tax burden may be the role played over the years by Phyllis Schlafly, the indefatigable foe of feminism and of anything in the tax code that encourages women to leave their children for outside work.

Ms. Schlafly has pushed for child tax credits, which are given for each child in the family and would be increased to $1,000 from $600, and opposed tax breaks for the costs of child care, which are not being expanded.

She has fought for years to ensure that marriage-penalty relief flows to families with stay-at-home moms as well as two-income households. Mr. Bush's plan would raise the standard deduction for any married couple. When he proposed a special 10 percent tax break for two-income families in his 2001 tax bill, Ms. Schlafly raised a storm and helped kill the idea.

"Giving a tax cut only to two-earner couples would send the radical feminist message that the government sees no value in a homemaker's work at home," Ms. Schlafly wrote at the time, urging her supporters to write and call important Republicans on the House Ways and Means Committee.

The upshot is good news for the Harriet Nelsons of the country, unless, of course, Harriet decides to be a lawyer and make some money herself.
Andyhttp://email@example.com:blogger.com,1999:blog-3804048.post-863842682002-12-21T23:49:00.000-05:002002-12-21T23:49:42.350-05:00HEH - NEVER MIND

I'm not gonna let nobody run me off. I
So there.

LOL
Andyhttp://firstname.lastname@example.com:blogger.com,1999:blog-3804048.post-861785572002-12-17T14:12:00.000-05:002002-12-17T14:12:02.320-05:00NOW IT'S TIME

It has recently come to my attention, from a variety of sources, both in bloggerdom and in TRW that what I have to say isn't really that important (or valid, LOL) and that all I'm doing is wasting people's time and/or energy. So in doing my little bit to make the world a better place, I'm pulling the plug on this little venture, as well as my "contributions" (HA!) to the blogger world. There's lots of people out there with more talent and more valid things to say than I do, so I don't want to waste anyone else's time more than I already have - and for what I have done, I most humbly apologize to all.
Happy holidays and a great 2003, and have nices lives, everyone.Andyhttp://email@example.com:blogger.com,1999:blog-3804048.post-854676082002-12-04T00:45:00.000-05:002002-12-04T00:45:59.436-05:00DOW 9000 - IF YOU BLINKED YOU MISSED IT

Heh-heh. It happened first thing Monday morning - during that sweet spot in the news cycle when the "Black Friday" (the big shopping day after Thanksgiving when the retail stores finally go into the black for the year) news boosting the Dow up over a hundred points within a half hour to 9043 (yay!) and then the disappointing ISM manufacturers report came in at 10 am and everything sunk from there. It reminded me of those heady moments when the networks had called Florida for Gore and it looked like Gore would be our next President LOL - just an illusion. The reversal continued well into today, but volume is orderly and declining and the daily price range is staying withing current bullish upward trending price channels. A few days in the 8700-9000 range may be a nice rest area and allow a recovery from overbought levels to begin new assaults. On a technical and longer term basis, the Dow has been staying above an upward sloping 20 day Moving Average line for a few weeks now, and even more importantly, the 50 day moving average line has finally started to curve upward. There are various minor economic reports coming out this week such as ISM services,. Productivity revisions, car sales, etc., but the key, I think, for the week and for the streak, will be Friday's Unemployment Report - how that affects the market Friday will be whether or not we roar back at 9000, or have to wait further into the future for another shot. We are rapidly approaching a huge long-term weekly index resistance which started in March 2000 and has beaten back every feeble attempt to breach it since. Right now it's also in the low 9000s magic area where the August top lies and the 200 day moving average awaits and Bear Market weekly resistance wall is waiting to be pierced. So it doesn't bother me too much right now that we hit 9000 and pulled back right away. The significance of what happens once the Dow hits all that trouble on the other side is no less than the fate of the W bottom put in place in the pain of July and October, and basically starting all over again with a whole new setup to finally kill the long bear market soemwhere down the road. So it really may all come down to one report this coming Friday. It's gonna be HUGE.

Andyhttp://email@example.com:blogger.com,1999:blog-3804048.post-852422602002-11-29T01:10:00.000-05:002002-11-29T01:10:47.300-05:00Thanksgiving 2002

It's Thanksgiving - a nice pause to appreciate our abundance and celebrate our community and spend the day preparing the ingredients for the awesome Friday-after- Thanksgiving sandwiches that I lust after all the rest of the year.

I know I'm on record as thinking that the Dow would hit 9000 by Thanksgiving. Came pretty close, as the Dow finished at 8931 after a day that was impressive in lots of "technical" ways in addition to posting a hefty 255 point advance. But check this out - tomorrow, Friday, the market closes early, at 1PM (EST) Normally, one would expect that many of the big money guys aren't supposed to be around and that things should be lackluster. But consider this - the last time this setup happened - this past July 4th, which occured on a Thursday with a short Friday following, the Dow went up 324 points, partly in relief that we had made it rhrough the holiday with no terrorism. I'm not sure if terrorism against Israelis counts or not - but it is very conceivable that Friday could be the day. And of course there I went and jinxed it. LOL

On the plus side, Wednesday's action closed virtually at the top of the daily range - bulls in control on good economic news. If the bulls remain in control when the market opens Friday, it could spook the shorts sellers, which will induce them to buy to cover themselves, which creates demand, which pushes prices up. And, especially at a market turn such as now, there will be a certain pressure on money managers to jump in lest one miss the big market movement - which also creates demand, which also pushes prices up. So all this can feed on itself and build a self-feeding momentum. And if Friday, there are no huge blocks of shares available for sale because of the holiday, it could have a dramatic imapct on short term upward price movement, and just as on July 5, prices could soar. We're only 145 points away from the August high of 9077. That's only 1.6% which is certainly doable.

And I could close this with something cheesy such as "and boy wouldn't *that* gives us something to be thankful for" - But I won't.

Andyhttp://email@example.com:blogger.com,1999:blog-3804048.post-849515682002-11-22T20:55:00.000-05:002002-11-22T20:59:11.000-05:00WEEK 7 - AN AWESOME WEEK

OMG - where to begin? This was the 7th week of the Oct 9-10 rally - and what a special week it was. And even more exciting, it set in place an even more exciting week next week. So where to begin?

OK - the most important. You ever hear the term "head and shoulders" pattern? Stock prices tend to mark certain patterns. And what certain recognizable patterns show is how the psychology of a recent stock price movement affects the immediate futuie movement. I'll get around to and explain in detail several basic chart patterns some day in the future when I learn how to post charts and diagrams and stuff, but for now let's stick with the descriptive and I'll keep it simple

Consider the chalk outline of a dead guy on the sidewalk lieing face down. Start at his left arm - mentally draw a line up the arm, making a right turn at the shoulder. Slope the line a little bit between the shoulder and the neck, then up the head, over and down the other side, dip slightly and out to the right shoulder and down the right arm. You have just drawn a "head and shoulders" pattern. Stock prices rise, hit a small high (1st shoulder), pull back slightly, head back up again to a higher high (the head), retreat again, down below the first smaller high, then up to the level of the first high again before dropping back down fior good. It's a common pattern, and is considered a "bearish" signal - the market had 3 chances to advance, it didn't, becasuse the 3d high was only as far as our 1st high, and so the bulls abandoned ship and the bears took over, buying demand dried up and prices went down.

Going into this week, up until Tuesday, we had a *classic* head and shoulders pattern going. The first high (left shoulder) was on Oct 21 when the Dow hit 8547. The second, higher (head) top was reached November when the Dow hit 8800. and the third (right shoulder) was started November 12 when the Dow's high was 8504 (on it's way down into the 8300s) and continued sideways through Tuesday the 19th when the Dow closed at 8474. But, suddenly, Wednesday, a strong rally started in the morning, and never really stopped for 2 days, pushing the Dow back over the 8800 mark, but, more importantly, completely breaking the "head and shoulders" chart mold and it's inevitable fatal down trend. I can't stress just how important this is for the psychology of the market. All the stuff during election week - the Republican election, Pitt's resignation, the rate cut - all the stuff that everyone expected would push the market up, and didn't at the time, finally came through this week. I'll explain why that is sometime in the future too - has to do with the concepts of "overbought" and "oversold" and various ways of measuring that stuff too.

Now let me explain why this is so important. Back in July, the market began a bottoming process that should be the end of the big bear market which started in March 2000. This particular type bottom is called a "W" bottom, because it resembles the letter (Duh). We hit the first downpoint of the W on July 24. Rebounded up to that middle high on Aug 22 of 9077, and dropped back down to the second low point on Oct 9. Now, one of the things that confirms the actual "W" bottom (also called the double bottom) is when the price coming up the far side passes that middle high point. If we had dropped down in the "head and shoulders" we could have destroyed the "W" setup and would have had to start all over on a different setup - but now, we are still on our way to "W" confirmation. And that is important. Picture yourself a money market manager - one of the big boys. You have to have certain rules and one, is that you don't buy certain type stocks as long as there is a bear market. A confirmed "W" bottom signifies the end of a bear market. and the buying rules for the big boys change in a good way.
Speaking of "big boy" rules, there's another basic big boy rule that we are also getting close to changing also - the 200 day moving average rule. One of the basic rules of the big boys is that you don't buy a company or a fund who's price is below the 200 day moving average. There are a couple of ways to figure the moving average - I won't bore you here with the details ,but right now the 200 MA for the Dow is in the low 9000 range - which also, conicidently, is real close to the confirmation of the "W" bottom. So theoretically, sometime next week, or the week after (I have predicted on Atrios' board a 9000 Dow by Thanksgiving, and I stick by that), we will get very close to passing 2 extremely important psychological values and have a very good chance of officially killing the long bear market.and maybe even igniting a December rally - but that's going to involve a discussion of "overbought" and "oversold" - so we won't go there yet :-)

Suffice to say, though, long live the head and shoulders!Andyhttp://email@example.com:blogger.com,1999:blog-3804048.post-840028692002-11-04T08:48:00.000-05:002002-11-05T08:27:27.000-05:00WEEK 5 - A KEY WEEK - 3 MAJOR MARKET CATALYSTS

It's been 4 weeks now since the October 10 re-test of the low. Most major indicies (Dow, S&P, Russels, etc.) are up in the 10-13% range. The NASDAQ composite is up 16% - and various beaten down sub-indices in the tech sector (Philly semiconductor index, for example) have gained over 30%. Looking GOOD.

This could be a key week to see if this rally has legs or not - three events could potentially have huge impacts on the market this week and should determine where we go from here.

1) The Microsoft settlement - The judge signed off on the Bush Administration sell-out, I mean, settlement on Friday. This removes a huge legal cloud of the giant software maker - and remember the market HATES uncertainty. Microsoft is huge - at one time not too long ago it had by far and away the largest market capitalization of any company in the world (martket cap = number of shares outstanding X price per share). Microsoft is a key component of the Dow, the S&P, *and* the NASDAQ - and it is no coincidence that the high-water marks of the markets back in 2000 coincided with the initial order to breakup Microsoft (As an aside, speaking here as an antitrust professional (bet you didn't know that), IMO, Microsoft was guilty, guilty, guilty - and it was only the fact that Bush came into office is saving them from being broken up - which IS the appropriate remedy for Microsoft's illegal activities - but that's all water under the bridge now). Anyway, now that the threat of breakup is completely gone, look for MSFT, as well as the general market, to get a huge boost off of this news.

2) The election - Repeat after me - "The market HATES uncertainty". I don't believe that the market is overly partisan, but the fact that "regime change" in Washington is possible in the ballot booth creates uncertainty. Look for a market boost, regardless, once the election is over.

3) The rate cut - with the not-so-great economic numbers of the past month, specualation in the past week has centered on a rate cut at the Fed FOMC meeting on Wednesday afternoon. The Fed has 1.75 basis points left to get to zero - and I would doubt that that they would use up 50 of that all at once, so I don't expect to see a cut of more than .25% on Wednesday (I predict that, just as they lowered the rate right after 9/11, that the Fed will also lower the rate again when we attack Iraq). A rate cut does a lot to help the financial sector and any sectors such as housing which are dependent upon the credit markets. Additionally, it lowers the cost of corporate debt and makes companies more profitable by reducing debt costs. A rate cut almost always produces a nice boost - so hopefully this week we'll see one. On the down side, the market can be quite a baby - once expectations set in, no matter how realistic or unrealistic, if those expectations aren't met the markets gets real upset and sulky. If there ISN'T a rate cut on Wednesday, look for a terrible day.

So, is a positive "perfect storm" in the offing this week? Quite possibly we might hit the Trifecta. Look for other possible market boosts such as the resignation/canning of SEC Chairman Pitt.

On a technical basis, what we want to see is the Dow hit, and pass the August high of around the 9000 mark - this will absolutely confirm the "Double-Bottom" pattern started this summer, and would be a huge psychological boost. Right now (Monday morning), the pre-opening Dow is already up 100 and is over the 8600 mark. With the big news this week, reaching that all-important 9000 level this week shouldn't be out of the question. The big question is, if the Dow does hit or pass 9000 this week, if it will be able to close on Friday over that level. If it does,. that will be HUGE.Andyhttp://firstname.lastname@example.com:blogger.com,1999:blog-3804048.post-831389492002-10-17T18:35:00.000-04:002002-11-22T20:06:34.000-05:00FOLLOW THROUGH

Well, so far the rally that started last Thursday seems to be hanging in there. How can we tell if this becomes a real bona-fide bull rally and not just a snap-back from the recent over-sold conditions? There are a couple of things to look for, and one, is some market follow through in the period 4-10 trading days after the rally starts. What's a "follow through" you ask? According to Investor's Business Daily - which is a daily Wall Street Journal-type financial newspaper (complete with great news reporting and idiotic, suspend your reasoning abilities, ultra-right wing editorial page), the conditions that define a "follow through" are market turnaround (like we had last Thursday), followed by one or more confirming days where the major indices (Dow Jones, S&P, etc.) rise more than 2% in price on volume greater than the day before. We had such a day on Tuesday, and now we've had our second one today. (Today, the Dow is up 2.97%, the S&P 500 is up 2.23% and the NASDAQ is up 3.24% - all on heavier volume than yesterday.) This definitely counts as a real follow through. I was more or less inclined to dismiss Tuesday's one - the price rise was great, but the volume was higher only because Monday was a holiday with light trading - virtually any normal trading day would have had volume higher than Monday's - never mind a follow through, so I was bound to not count it until today proved to be the real thing. I can't wait to read IBD tomorrow - I'll bet they'll be excited as the Weather Channel guys get when there's a hurricane.

Another thing to look for in determining if a new rally is the real deal or not, is to look at the number of new 52 week highs for the day as opposed to 52 weeks lows. Theoretically, a strong market should be pulling up a lot of stocks to new highs. If the majority of new highs/lows on any particular day are on the side of the new lows, then you can be sure that it is not a broadly based rally and won't have legs. The CBS Marketwatch "Market Summery Page" shows this sort of information every day. It can be located at . Looking at today's numbers, in the combined NYSE and NASDAQ, there were 85 new highs and 174 new lows. Not too good. On the other hand, we are coming back from a very serious low, it would be surprising at this point to have a whole of stocks already at new 52 week highs, wouldn't it? *IF* this rally continues (more in a bit), this factor will be worth taking a look at. But as long as we're at the CBS Marketwatch site, check out the volume divided between shares on the upside and shares on the downside. Even though there were twice as many new lows as new highs, volume-wise the story was completely different - the combined "advancing" volume for the NYSE and the NASDAQ was over 3 billion shares - the declining volume was only about 800 million shares - or only about 1/5 of total volume. Think about it - in a declining market, prices are falling and people want to sell. This is the exact opposite. Prices are rising and people want to buy. So this is a very healthy indicator. Extremely healthy - and this will do to illustrate market sentiment until the market moves into a more normal trading area. One other additional thing to look for, is what the price rebound is being caused by - is it caused by technical factors (i.e. like an overstretched rubberband, a market that heads too far in one direction will often "snap back" in reaction) - or is it caused by positive economic news indicating rising investor sentiment? Well in the past couple days, IBM and Microsoft have "beat the street" (i.e., their profit reports exceeded analyst expectations), and there was a HUGE housing start report this morning. It wouldn't be stretching credulity to think that the market rise represents rising investor optimism.
But how can we tell if it's *real*????

In a nutshell, there's this thing called the "Dow Theory" which is pretty basic. According to the theory, prices rise and fall in cyclical oscillating patterns. A stock in a falling price pattern will show lower highs and lower lows at the high point and low point of each cycle compared to the previous cycle. A stock in a rising trend will show higher highs and higher lows with each suceeding cycle. So it's important to look at what went on before in order to gauge where we are now. This recent low point was a retest of the July lows of July 23-24. Those lows were followed by a short sharp rebound that moved the market up to around the 9000 mark within a few weeks of the low before falling back. So that is our magic number - if we want to confirm a bull (i.e. "rising" market), our next high point before a major pullback has to go higher than 9000. If we pass 9000 and keep going, then a bull market is confirmed. And, if we get up to 9000 and then look around at our New Lows vs. New Highs, it should be more than likely that by that time the new highs should outnumber the new lows.

One additional point - on a technical chart watching basis, an important "bottom" process is known as the "double bottom" or "W bottom" - it looks along the line of a W on the charts - a low, an intermediate high (not as high as the preceding highs) and then another low. The rebound off this second low should then go higher than the intermediate high between the two lows, and then once it passes that point, the "bottom" is confirmed and we're off to the races. (If, on the other hand, it never reaches that intermediate point, or hits it and falls back, then the on-going downtrend is reconfirmed and life sucks - unless you're selling short). So looking at the current bottoming process as a possible "double bottom" or "W bottom", it's all in place and now we're riding the rebound up from the second bottom and hoping that when it meets the 9000 mark that it keeps on going. If it does, the long bear market which started back in 2000 will finally be overAndyhttp://email@example.com:blogger.com,1999:blog-3804048.post-828108242002-10-10T17:51:00.000-04:002002-10-10T17:51:13.176-04:00Haven't written too much. At some point I've got to figure out how to work this thing - do links, add comments, etc. - turn this into an actual blog.

Anyway, 2 things on my mind today - the market hit 7191 or so this morning and then came back really strong to finish at 7532. We're still technically in the "retest" territory and keep bouncing back whenever we get too low. EVERYBODY talks about how the market sucks. The VIX is up at 50 - great bottoming territory indicitating high fear level - and the NYSE volume has been outpacing the NASDAQ's the past several days - all good portents of a possible real turnaround. So my fingers are crossed that we still may successfully get through this retest.

As for the second thing, one area of which I have PASSIONATE feelings for, is so-called "tort reform" by which the Bushies of the world try and make us think that access to courts and the court system needs to be tightened up because of so many frivilous lawsuits ruining the system. Sorry - I remember the discussion of the Ford Pinto cases (the ones whose gas tanks exploded when impacted trapping and burning many people to death in minor accidents). The rationale was that Ford had weighed the costs of fixing the problem (allegedly $20 bucks or some other scandalous number like that per car) vs. the costs of paying the lawsuits and had decided that it was *cheaper* to payoff the inevitible wrongful death suits (many of which were then sealed from the public) than to fix all the cars. Basically, in corporate America, such things are weighed, and the non-economic value of human life is completely discounted in the cost/benefit analysis if there are profits to be made. But this isn't good enough for the Bushies and the corporate crowd - they have been banging the drums since Reagan came in, with claims of frivilous lawsuits gumming up the court system impovershing corporations and stalling innovation because of greedy people who sue at the drop of a hat and outlandish juries who give multi-billion dollar puntive damage awards. Sounds like the system does need fixing, right?

Well this little blurb was in the Washington Post today:

The soaring premiums that doctors face for medical malpractice insurance are the result of poor investment returns earned by insurers and not a surge in court settlements and jury awards, a study found. Not only has there been no "explosion in medical malpractice payouts at any time during the last 30 years, but payments [in constant dollars] have been extremely stable and virtually flat since the mid-1980s," according to the study, written by former Texas insurance commissioner J. Robert Hunter for a group called Americans for Insurance Reform. (Washington Post, 10/10/02 at E2) http://www.washingtonpost.com/wp-dyn/articles/A3768-2002Oct9.html

SO think of this stuff in terms of the formula: Put out an unsafe product, and measure the cost-benefit of the lawsuits vs. fixing the product. Of course, if you can lower your lawsuit costs by making it harder for people to sue, then you can put that many more unsafe products out there and still make that much more of a tidy profit when they do the cost-benefit analysis. I know this little blurb doesn't have anything to do with product liability as opposed to medical malpractice, but the arguments are the exact same. If they are willing to tell the lies to push their "tort reform" agenda when it comes to medical malpractice, don't put it against them to not tell the lies when it comes to product liability. There's just too much money at stake.

Andyhttp://email@example.com:blogger.com,1999:blog-3804048.post-820553382002-09-24T14:50:00.000-04:002002-09-24T14:50:56.540-04:00Re-testing the July lows

It is normal for a stock or an index, once it hits a low, to rise a bit, and then "re-test" that low a few weeks later. If, once it hits that low and then bounces back up, a support level is created and generally a new and strong uptrend is created. A successful "test of the low" can occur anywhere within 5% of the previous low. In other words, since the July low was 7532, 5% below that would be in the 7130 range. We can expect the market to drop as low as that and still have a good chance of taking off into an uptrend. On the other hand, breaking below that point will signal a new downleg.

So the 2 numbers to watch for in the next few days are the July low - 7532 and 5% below that - 7130.Andyhttp://firstname.lastname@example.com:blogger.com,1999:blog-3804048.post-820548012002-09-24T14:37:00.000-04:002002-09-24T15:09:33.000-04:00Why "Andy X"?

When I first started posting to blogs, I just used the name "Andy". Unfortunately, that name has become synonymous with someone else named "Andy" with whom I do not wish to be associated. So while my name is Andy, the X, I guess, signifies that I am NOT the other Andy. The "un-Andy" as it were, except that I'm really an "Andy". And no, since I am not a professional journalist, I have neither desire nor need to share my fairly distinctive last name with the hoi polloi. Not in Mr. Bush's America, thankyouverymuch. Not with the kind of views that I have and the stuff that I will probably write and the number of crazies out there making the world safe from evil "libruls". My address is in the phone book, forgawdssakes. Nuff said bout that.Andyhttp://email@example.com:blogger.com,1999:blog-3804048.post-820543452002-09-24T14:26:00.000-04:002002-09-24T15:08:01.000-04:00Well, the Fed didn't raise rates - and sure enough, within minutes all the indicies headed south on the news. Buncha babies. My portfolio is hanging in there, but solely because of the steller earnings announcement by Marvel - which at last has a full quarter of Spiderman revenues to boost things. Marvel "raised guidance" (announced that they expected revenues for the next quarter and year to be higher than previously thought), which Wall Street just loves, and so far for the day we're up 13% (which is great considering that everything else I hold right now is pretty much in the crapper). So we're going to have to find a different catalyst to give Wall Street the jolt it needs. Go Spiderman!Andyhttp://firstname.lastname@example.com:blogger.com,1999:blog-3804048.post-820533912002-09-24T14:03:00.000-04:002002-09-24T14:06:35.000-04:00I recently discovered the stock market, and have become very big on "technical analysis" - reading the charts and discerning future price trends based upon previous price movements. According to technical analysis, the market is currently "undersold" - meaning, all things being equal, it should bias towards moving up. (Think of walking down the middle of a street with a dog on a leash. The dog moves back and forth side to side, but is always constrained by the leash. When it is all the way too far to one side, it may stay to that side, but chances are it will move back toward the middle. Same with stocks.) There's lots of technical things in place to see a nice rebound off of this point, setting up a classic "Double Bottom" (tieing in price levels now with the lows reached in July) which can be the start of a meaningful upmove. However, with the threat of war and terrorism, not to mention the uncertainty raised by the corporate accounting and brokerage scandals this year, there are a whole bunch of other extraneous factors which will affect stocks right now than the technical stuff. However, the market is like a kid at Christmas when it comes to Fed cuts. If the Fed cuts today, or gives the indication that it will cut in the future, I would expect a very nice bounce based upon the technical position of the market right now. Whether that bounce will be good for short or long term will have to do with things like WAR, unfortunately.

In the past 15 minutes, my personal portfolio has risen over 1% as the market rises in anticipation of a cut. If it doesn't happen, or they don't say any language indicating one may be in the offing in the future, then expect those babies to go into a huge sulk. With a lot of the market, it's *all* about expectations.Andyhttp://email@example.com:blogger.com,1999:blog-3804048.post-820523432002-09-24T13:38:00.000-04:002002-09-24T13:38:04.956-04:00Well, this is going to be my blog.
I didn't think that I would do my own blog - I am more comfortable in a reactive than in a proactive mode - and I am highly undisciplined enough that the thought of doing this on a daily basis seems like a lot of, well, for lack of any better word, work. And I'm insecure enough to seriously doubt that anyone out there really cares what I think, nevermind believe that my thoughts actually carry any weight or authority....

But I've been enjoying hanging out in the kitchens of some in the blogosphere who I really admire (I'll get around to naming names and posting links sometime), and someone the other day pointed out that criticism of what others write on blogs without attaching a link to your own blog seems to be a problem of some sort. Names were being taken; I assume some "secret lists" were being kept (I *love* secret lists - I wanna be on as many as possible!). So, anyway I'm thinking that I might as well set up a blog so that I can engage in give-and-take without others thinking that I am overstepping any rules. While I still hope to hang out in the kitchens of those that I like, I hope at some point to make my own kitchen comfy and interesting enough to hang out in some too.

My interests which I hope to address in this blog include politics, history, economics, the stock market, social equality, law (member of the VA Bar - guilty as charged), incredibly shallow reality TV shows, and my ongoing love/hate relationship with Major League Baseball as it is currently being run into the ground by that used car salesman masquerading as "Commissioner".

I have a busy week planned, as well as, hopefully, a rare weekend getaway, so if you come to visit (Hi! Thanks for stopping by!) I don't expect to put up a whole lot of content right away.Andyhttp://firstname.lastname@example.com:blogger.com,1999:blog-3804048.post-819713622002-09-22T21:17:00.000-04:002002-09-22T21:17:44.400-04:00Alrighty then...Andyhttp://firstname.lastname@example.com


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subset: commoncrawl


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The Aesthetic Animal answers the ultimate questions of why we adorn ourselves, embellish our things and surroundings, and produce art, music, song dance, and fiction. Humans are aesthetic animals that spend vast amounts of time and resources on seemingly useless aesthetic activities. However, nature would not allow a species to waste precious time and effort on activities completely unrelated to survival, reproduction, and the well-being of that species. Consequently, the aesthetic impulse must have some important biological functions. A number of observations indicate that the aesthetic impulse is an inherent part of human nature, and therefore a primary impulse in its own right with several important functions: The aesthetic impulse may guide us toward what is biologically good for us, and help us choose the right fitness enhancing items in our surroundings. It is a valid individual fitness indicator as well as a unifying social group marker, and aesthetically skilled individuals get more mating possibilities, higher status and more collaborative offers.
The book is written in a lively and entertaining tone, with beautiful color illustrations. It covers a wide field of aesthetic behaviors from cave art, graffiti, tattoos, and piercings over fashion, design, music, song, and dance. It presents an original and comprehensive synthesis of the empirical field, synthesizing data from archeology, cave art, anthropology, biology, ethology, behavioral- and evolutionary psychology and neuro-aesthetics. It is a must-read for people interested in biology, psychology, anthropology, architecture, design, fashion, body culture, art, and the evolution of aesthetics.
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- Hardcover: 192 pages
- Publisher: Oxford University Press (September 14, 2018)
- Language: English


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Excludes trade quotes, stock liquidations, commercial quantities and MarketLink products. Same in-stock item available for same-day delivery or collection, including GST and delivery charges.


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On our first episode, we're talking to author Romeo Preminger about his new book Campus Call Boy. John also discusses where he finds the inspiration to sit down and write smut every day. You can find Romeo on his website: https://romeopreminger.wordpress.com/ And you can find Romeo on Twitter @PremingerRomeo You can purchase Campus Call Boy
Author johnvaljeanauthor
Of my 2019 books, I can tell you now that Lust, Simon has been my most successful. When I originally dreamt up the idea of a taboo-erotica parody of the similarly named 2018 film, I had no idea if it would be embraced. However, once I was halfway through with the book, I started receiving
Okay, there will be a point I run out of Chi Chi LaRue videos to discuss, but I do have one in mind that takes us all the way back to 1996: Brother to Brother. Now, you're used to me gushing over Ms. LaRue's work and how she masterfully handles the incest scenes in her
It was another hot summer night, and I just couldn't get comfortable on my bed. I tossed and turned in my sleep, waking up drenched from the scorching July temperatures. When the heat was this awful, I usually slept in the nude with my door open. I didn't think it would be an issue because,
Crisis Across Time is humming along nicely. As I mentioned in my last post about the book, reworking the plot was an excellent idea because it prevents the story from becoming monotonous (in this author's humble opinion). Writing super-powered sex offers the ability to take the raunch to a different place because I'm allowed to
I didn't get a Father's Day book out this week; however, there's a hot new Quickrotica available on my blog called The Father's Day Gift, which I hope makes up for it! If you recall from my last blog entry, I formerly unveiled plans for my new superhero erotic tale, Crisis Across Time. I worked
"Happy Father's Day," Paul Kramer said from the doorway of his parents' bedroom. "Thank you, Son," replied Daniel Kramer, who could not hide that he was uncomfortable with his teenage boy peeking into his bedroom. The father quickly glanced at the master bedroom's restroom door, which was shut closed. "Is Mom…" Paul began to ask.
Tom Ramsey was miserable. After six months with his boyfriend, Lewis, the teenager was dumped the day after his eighteenth birthday, not being given any more reason than, "I'm just not feeling it." While Tom knew that the two young men didn't have much in common outside of being openly gay males, it hurt to
Welcome back! I'm working on a couple of books right now, one of which I am planning to have ready by Father's Day (yes, it's Daddy-centric). But I wanted to share a little bit with you about another book I'm working on. Since I was a kid, which was quite a long time ago, I
If you follow my Twitter, then you know I'm kicking around an idea about doing a book in the same vein as those pocket-size magazines that featured pornographic letters from "real people" that were popular through the nineties (like the one pictured above). I would call my book something like Stiff: Real Letters From Real


text: The Weekly Debriefing is back with another new episode. On this weeks show the guys talk about Redcon1's trip to this weekend's Dallas Europa. If you're going to be there definitely take advantage of the killer deals, new products, and plenty of athletes in attendance. Then the conversation moves onto Sergio Oliva Jr. and his online trash talk! Who is he beefing with and who's getting the upper hand? And then lastly, listen to the Muscle Mayhem recap where Luke Lazenby was this past weekend. Tune in for those topics and a bunch more on this week The Weekly Debriefing. And remember, new episodes air each and every Friday on the Redcon1 YouTube channel and on Redcon1.com


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What We Do > The Counseling Center
Navigate life and overcome challenges in a comfortable, convenient environment.
Using the latest evidence-based research, we provide effective therapy and counseling services in three forms:
Individual Treatment: We use innovative models in brief counseling and long-term therapeutic approaches to help adults and adolescents with a wide range of issues, including Autism Spectrum Disorders (read our Charlie's Gift Proclamation), Depression, Anxiety, Trauma, Behavioral Issues, Life Transitions, Challenging Relationships and more.
Couples: Our clinicians are trained to provide quality therapy services to adult couples. We have helped couples develop healthy communication, improve intimacy, work through infidelity, discuss power and control issues, implement conflict resolution skills, and set healthy boundaries.
Adolescents & Families: We center on relationship building and creativity-based activities in our work with children below age 13. In most cases, parental involvement in the treatment of children is essential to positive outcomes.
To learn more about The Counseling Center,
call our confidential intake line (630) 323-7500 Ext. 239
The Counseling Center at The Community House
is made possible in part by a generous grant from


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Thermo King
The main activity of Thermo King Services Limited is to provide administrative and back office services to affiliate companies in relation to the marketing and field sales support activities of Thermo King Europe, Middle East and Africa. Thermo King, a unit of Ingersoll Rand Company Limited, was founded in 1938 and manufactures transport temperature control systems for a variety of mobile applications, including trailers, truck bodies, buses, shipboard containers and railway cars.
Financial Data
31st Dec 17 Source: CRO
- €12.6 billion turnover
€1.3 billion
- 550 employees
31st Dec 16 Source: Estimated
- €200 million turnover
- 550 employees
- 4 more years available »
By Turnover(€12.6 billion)
- 12th in Top Companies
- 1st in Transport
- 5th in Manufacturing
By Employees(550)
- 336th in Top Companies
- 30th in Transport
- 48th in Manufacturing
Nearest in Top 1000
12th in Top Companies By Turnover
- 550
- €12.6 billion
- Cormac Mac Donnacha Head of operations
Latest News
- 12:55pm City of London hiring grinds to a halt over Covid-19
- 12:52pm NTMA to sell up to €4bn of debt to help fund State's response to virus
- 12:42pm JP Morgan rolls our Covid-19 relief measures, may suspend dividend
- 12:34pm Daily Mirror-owner Reach cuts wages, furloughs 20% of staff
- 11:56am March busiest month for grocery sales on record


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Dawning Point Learning Center
805 Lyons Blvd.
Fredericksburg, VA 22406
(540) 371-6510
Current Inspector: Morgan P Bryson (540) 270-0057
Inspection Date: Aug. 28, 2015
Complaint Related: No
- Areas Reviewed:
22VAC40-191 Background Checks (22VAC40-191)
- Technical Assistance:
When hiring new staff, two or more references must be checked and documented. Paper towels should be more easily accessible to children, closer to the bathroom, after toileting. Staff must be trained in rectal administration of medication prior to enrollment of children requiring medications administered this route. A reminder that staff without a returned, acceptable criminal history record check may not be left alone with children.
- Comments:
An unannounced monitoring inspection was conducted from 10:30 a.m.-1:15 p.m. with the assistant director. 63 children, ages 3 months through 9 years, were in care at the center. Children were observed leaving a for a field trip, having outdoor play, eating morning snack, assembling puzzles, and listening to a readaloud. Lunch served today is chicken salad sandwich, french fries, orange slices, and milk. The fire and health inspections are up-to-date. Five children's records were reviewed. Four staff records were reviewed. Six medications were reviewed. For any questions regarding this inspection, contact Linda Reynolds at 540-272-2663 and email@example.com.
- Violations:
Standard #: 22VAC40-185-60-A Description: Based on a review of 5 children's files, it was determined that not all files were complete. Evidence: The file for Child A was missing an address for 1 emergency contact, Dr phone number and physical; The file for Child B was missing addressses for emergency contacts; Child's C did not have addresses for 1 emergency contacts. Plan of Correction: The Director will tell parents to leave no blank spaces. At September re registration files will reviewed before they are placed in the file cabinet.
Standard #: 22VAC40-185-270-A Description: Based on classroom observation, it was determined that not all areas of the classroom are maintained in a safe and operable condition. Evidence: There are broken pencil sharpeners in the School age room, the threes room and the fours room. The bottle warmer with boiling water and no bottle was on a shelf with the reach of a walking older infant. There was less than 1 inch of non compacted mulch in the fall zones of the large playground. Plan of Correction: The pencil sharpeners that are attached to the wall will be removed. The bottle warmer will be replaced by a crockPot placed out of the reach of children. Mulch will be ordered and will be maintained by raking.
Standard #: 22VAC40-185-280-B Description: Based on classroom observation, it was determined that not all cleaning supplies were locked. Evidence: There were cleaning supplies in unlocked cabinets in the Three's class - Hand saniitzer; Two's classroom - cleaning supplies; Toddler class - cleaning supplies; School age - cleaning supplies; Fours classroom - cleaning supplies. Plan of Correction: The Director put locks on the cabinets during the inspection.
Standard #: 22VAC40-185-280-G Description: The school age room had cleaning supplies in two unlabeled bottles in a cabinet. Plan of Correction: Cleaning supplies will be labeled.
Standard #: 22VAC40-185-290-3 Description: Based on classroom observation, it was determined that there were uncovered outlets in two classrooms. Evidence: The was 1 uncovered outlet in the three's room and one uncovered outlet in the younger threes room. Plan of Correction: Outlets will be covered and each classroom will be given a supply.
Standard #: 22VAC40-185-510-A Description: Based on a review of medications that are given at the center, it was determined not all medications were appropriately labeled; Permission forms were not complete; and medication that is no longer given is not returned to parent. Evidence: Medication for Child #1 was not labeled with the child's name; the medication for Child #3 is a 10 day parental form but the medication form was signed three months ago. Long term form signed by the physician is needed; The medication for Child #3 is no longer being given and is still on site. Plan of Correction: Medication boxes and permission forms will be monitored weekly by the Director.
Standard #: 22VAC40-185-550-D Description: Based on a review of the Emergency escape and shelter in place drills, it was determined that there has not been emergency escape drills each month. Evidence: There were no emergency escape drills in January, February, March and July. Plan of Correction: The Director will preschedule them on her calendar.
Standard #: 22VAC40-185-570-E Description: Based on classroom observation, it was determined that not all bottles were labeled completely. Evidence: There were two bottles in the Infant Room refrigerator that had the baby's name but not the date. Plan of Correction: The staff will be reminded that all bottles are to be labeled with name and date.
A compliance history is in no way a rating for a facility.
The online compliance history includes only information after July 1, 2003. In addition, the online compliance history includes information regarding adverse actions that may be the subject of a pending appeal. An adverse action is not final until a provider has exhausted or waived all due process rights. For compliance history prior to July 1, 2003, or information regarding the status of pending adverse actions, please contact the Licensing Inspector listed in the facility's information. The Virginia Department of Social Services (VDSS) is not responsible for any errors in or omissions from the compliance history information.


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School has officially started! Last week was our first official week with students. I'm so excited to be back in second grade! I love the beginning of a new school year. Don't you? 😉 Although my room is not "officially" done, I thought I'd give you a quick classroom tour of my new second grade digs! So, come on in!… Read More
Meet the Teacher
It's settled… I've figured out what day is my favorite of the school year. I mean birthdays and holidays are fun and we can't discount the last day of school…But my favorite day of the school year is… Meet the Teacher! My Meet the Teacher was Friday. All my blood, sweat, and tears led to this day. (No, I'm not… Read More
An Apple a Day~ Data Collection and a Few Freebies!
Oh My Word! I am ashamed to say I haven't blogged since last week's "An Apple a Day" Linky! Sounds like I have been enjoying my vacation just too much! I mean I get to spend my day with this little handsome devil! This week's focus is… Data Collection Data collection is one of the trickiest and most important things… Read More
An Apple a Day- Supplies and Organization
This week's focus… Supplies and Organization First up… Supplies I know I am not the only teacher who gets a rush when the new school supply ads come out. I <3 school supplies! Here's how I keep all those fresh goodies "organized" in my classroom. I am a firm believer in communal supplies for the classroom. On the first day… Read More


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Restaurant Review
Reviews of Cebu's new, top and finest restaurants.
Faro: Restaurant by the Sea
Faro serves a variety of classic Filipino dishes with a hint of Mediterranean cooking. They also serve mouth-watering pizzas made from scratch baked in a brick oven. They are among the few restaurants in Cebu that uses brick ovens for their pizza
Isla Ora: Dine and Jive to the Island Vibe
Isla Ora, which is Spanish for Island Time started out as a pizza stall in Sugbo Mercado. The place is rustic and you can certainly feel the island vibe of Bantayan Island. One of the best pizza in Cebu
Gusto Urban Cafe + Wine Bar – The Way You Like It
Gusto Urban Cafe + Wine Bar is an express Italian Cafe that is located in a vibrant business hub in Cebu City. Gusto serves authentic Italian dishes like pizza, pasta and others.
Healthy and Hearty Food Hub – Chois Grillhouse
Chois Grillhouse is a restaurant that aims to promote a healthy eating lifestyle. The restaurant serves all-natural grilled dishes with no MSG and preservatives which makes them an ideal outlet for health enthusiasts and fitness buffs to have a healthy and hearty meals.
Marisse Patisserie: Bliss in Every Bite
Love and passion for baking is what motivates Marisse Alvarez-Sy to run the shop. It has started to make a name for its own in the pâtisserie industry here in Cebu, while it being in a serene and vibrant location at 32 Sanson by Rockwell in Lahug makes this go-to place even more stimulating.
Hungry? IG-Worthy Places To Eat In Butuan
Every place you visit, there's always more to them than meets the eye. Butuan, known to be the Timber City of the South, is more than just the colorful Balangays or their infamous orange tricycabs. A late-bloomer but fast-growing city, it is also considered to be the gastronomic capital in the region; a title so well-deserved, if you ask me.
The Abalone: A Feast You Can't Resist
Considered as one of the biggest and best buffet restaurants in Cebu, The Abalone is a must-visit when you're in the Historic Resort City of Lapu-Lapu
3 Excellent Brunch Spots In Las Vegas
Las Vegas is home to many excellent restaurants for all hours of the day, but when you're looking for a brunch spot you need something a little different. Here we've picked out three truly excellent brunch spots you need to try; each with their own unique menu and flavor to make your brunch memorable.
A Taste of Mandarin: Savor the Flavors of the Orient
A Taste of Mandarin is considered as one of the top Chinese restaurants in Cebu. This Gaisano family-owned restaurant has been serving authentic Chinese dishes for almost three (3) decades.
Ampersand: Casual Dining Redefined
Creativity is truly the key for Ampersand's success. Although Ampersand is relatively new in Cebu's gastronomic scene, their audacity made them who they are and what they are now.
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Causes of Chronic Bronchitis Include Smoking
Learn about the causes of chronic bronchitis by reading this informative article that also discusses treatment options.
The lungs are vital organs. When we breathe, the lungs transfer oxygen from the air into our bloodstream. Due to the importance of this basic function, any conditions affecting the lungs can have a serious impact on your health and overall quality of life. Chronic bronchitis is one of the most common conditions that can affect the lungs. The CDC estimates that 16 million Americans were diagnosed with chronic bronchitis in 2016 alone.
Bronchitis is basically an inflammation of the passages that carry air to the lungs, called the bronchial tubes. Dealing with the coughing, impaired breathing and other symptoms of bronchitis can make it difficult to accomplish even simple tasks and can also negatively affect sleep and mental health. For patients dealing with chronic bronchitis, learning more about the basics of lung anatomy and how the lungs become inflamed can be very helpful.
Starting with the trachea, or windpipe, the lungs then split off into two chambers through connecting tubes, called the bronchi. The air then begins to branch off into smaller and smaller air passages, called bronchioles, before traveling to the alveoli, which are the tiny air sacs where oxygen is transferred to the bloodstream.
The bronchi and bronchioles, especially the linings, are both very delicate and can be easily affected by viruses, bacteria, particulate matter in the air and other irritants. When any of these occur, it can trigger the body's natural inflammatory response, particularly the production of mucus. This, in turn, can cause your body to cough in order to clear it from your body.
Acute bronchitis refers to bronchial inflammation that lasts for a short period of time before the lungs return to a normal level of functioning. Typical causes include viral and bacterial infections.
Chronic bronchitis is typically defined as mucus production and coughing that lasts for at least 3 months with recurring bouts for at least 2 consecutive years. Major causes of chronic bronchitis include:
It is important to see your doctor for diagnosis and treatment of any cough that lasts longer than 2 to 3 weeks.
Diagnosing chronic bronchitis typically involves a physical examination, chest X-ray and other diagnostic tests. Treatments can include cough medication, steroidal medication and respiratory therapy. Another option many patients turn to is regenerative treatment, including the cellular therapy we provide at Lung Health Institute. By using a sample of a patient's own blood, this treatment works to restore lung function and manage bronchitis symptoms.
Take the next step to find relief. Contact one of our patient coordinators today for more information or to schedule a free consultation.
Learn about the causes of chronic bronchitis by reading this informative article that also discusses treatment options.
Chronic bronchitis is an inflammation of the tubes that carry air to the lungs. Read this informative guide to learn more.
Here are the primary symptoms that chronic bronchitis sufferers generally contend with: Mucus production — Your body produces mucus as a response to inflammation from irritants such as cigarette smoke or air pollution.
Find out if you're a candidate.
Every day the Lung Health Institute is changing people's lives. Our duty and obligation is to help our patients, and we know we are doing something special for them. We measure our success by our patients' success and their satisfaction with our services and the care they receive from our dedicated staff.
*For more information, go to theLungHealthInstitute.com/Results.
© Copyright 2020 Lung Health Institute | All Rights Reserved | Privacy Policy | Terms of Use


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Now this is to be taking vigilent Home Medical Care to the farthest!
Of COURSE in these seasons of the coldness and the flu, monitoring an Innerkid's temperature becomes ever more in importance!
And of COURSE every of the forward-thinking Guardian knows that the MOST precise of the temperature taking is of the rectal flavor!
But THIS:
...is much of the taking of the fruitcake!! Such overly killing, the $60 laser rectal thermometer!!
The best takings are the simple takings of such readings for health and happiness of the Innerkid!
With just the littlest of practices, the forward-thinking Daddy (et al) can most easily be determining his liddel one's temperature with just a finger!
So natural!
So simple!
If Gott didn't want Daddies to check their liddle's temperature with his index finger, he wouldn't have made index fingers exactly that perfect size and shape for doing so!
Don't be falling to prey for the overly complicating of these things by the Schwienhundts at Walmart!
Check your Liddel's temperature every night for the bedtime the simplest way!
The right way!
The way Gott was meaning it!!


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Contact Us
Plastic Surgery
Head and Neck Surgery - Facial Plastics
Bariatric (Obesity) Surgery
Orthopaedic Surgery
Oral and Maxillofacial Surgery
Fertility Treatment
Vascular Surgery
Obstetrics and Gynaecology
Therapeutic Medicine
General Practioners
Dr Mark Gray
Dr Mark Gray obtained his primary medical degree at the University of Otago in 1982 and then underwent a postgraduate course in Anatomic Pathology and Dermatopathology at Harvard Medical School/Massachusetts
Dr Paul Le Grice
Dr Le Grice completed a postgraduate qualification in general medicine and dermatology, which included postgraduate dermatologic laser and dermatologic surgery training in Glasgow, London and New York. During that time he was fortunate in being at the forefront of developments in the use of modern laser technology in dermatology.
Dr Kenneth Wong
Dr Kenneth Wong is a specialist dermatologist and a Fellow of the Royal Australasian College of Physicians. He obtained his primary medical degree at the University of Auckland in 2003. He completed his post-graduate physician training at North Shore Hospital and Auckland City Hospital.
Dr Ken Macdonald
Dr Ken Macdonald completed a medical degree at Edinburgh University and acquired post graduate training in Christchurch New Zealand and in several dermatological centres in the United Kingdom
Dr Grant Bellaney
Dr Bellaney graduated from Auckland Medical School, New Zealand in 1987. He completed his initial Specialist Dermatology training in Auckland. This was followed by a year of training at London's prestigious St. Johns Institute of Dermatology.
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Medical Center
At Claxton-Hepburn Medical Center, we are committed to making healthcare more accessible and easier to navigate. Our hospital features many amenities designed to make the patient and visitor experience more convenient. Here you will find our calendar, billing policies, visitor information, access to our patient portal, and more.
Resources for patients and visitors:
If you can't find the information you need from the links above, or would like to speak with a member of our staff directly, contact us online today. A friendly member of our team will be happy to assist you.


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Grace Petrie (UK)
Grace Petrie's unique takes on life, love and politics, and the warmth and wit with which they are delivered, have won over an army of loyal fans across the alternative, folk, political and comedy scenes. She's toured with Frank Turner and Billy Bragg, supported comedians Robin Ince and Josie Long, and collaborated with Leon Rosselson and Peggy Seeger. Her frequent festival appearances have included Vancouver Folk Festival, Latitude, Cambridge Folk Festival and in 2019 she played to a packed Acoustic Stage at Glastonbury Festival.
Her current album, Queer As Folk, was released in Sept '18 and was a Mojo magazine top 10 Folk Album of the Year.
'She writes the sort of songs you want to pin the lyrics of on your bedroom wall, or on the office door, to remind you and everyone else who might read them what is important and true' – Buzz Magazine
'She's an effervescent charm-bomb of a performer, even alone with an acoustic guitar... "We're getting standup and music," a woman next to me said.' – The New Yorker


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Indian River
Mackinac City
Home>Plan Your Trip>The Lighthouse Restaurant
Treat your entire family to a remarkably delicious lunch or dinner at The Lighthouse Restaurant & Lounge. Our famous Lighthouse pizza is loaded with ham, pepperoni, mushrooms, onions, green peppers, and Italian sausage. All of our pies are made to order and available in small, medium, and large sizes. We are conveniently connected to Nautical Lanes, providing you family with a wonderful evening full of food and fun.
Available in Spring Available in Summer Available in Fall Available in Winter
Viewing this on a mobile device? Use the mobile edition of this website!
Copyright © 2015, Northeast Michigan Council of Governments | Contact the US 23 Heritage Route!
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text: Five Questions to Ask when Looking for a Mentor January 9, 2018 by Mike Montague in Professional Development In my career, I've been both a mentor and a mentee. I know how important both sides of this relationship are, and what elements are necessary to be successful from both perspectives. Earlier in my career, I went through many mentors and felt that some were more beneficial to my growth than others. Below I have outlined five questions you should ask to ensure you begin a successful relationship with a mentor. Read more How to Avoid Misconceptions about Sales Presentations and Close More Business December 26, 2017 by Mike Montague in Sales Process While many salespeople put forth great effort into mastering the art of presenting, a few key myths can hold people back from closing the sale. Below I've identified three common misconceptions about sales presentations and how to avoid them in order to close more business. Read more The Value of Communicating with Your Client as the Year Ends December 19, 2017 by Mike Montague in Customer Relationships The more opportunities you have to interact with your prospects, the better, and the end of the year is an opportune time to reach out and reconnect with your clients and prospects to get in front of them prior to the new year. Read more Goal Setting for the New Year December 5, 2017 by Mike Montague in Professional Development As a salesperson, it's easy to get wrapped up in your clients' work and forget to save time for your own planning. How do you ensure that you end the current year on a perfect note? It's important to finish strong and finalize your business plan before the calendar turns. Below are three ways to seal a successful year and begin 2018 with a bang. Read more 4 Ways to Prepare for Objections as You Close Out the Year November 28, 2017 by Mike Montague in Professional Development The end of the sales year is a time for reflecting, preparing, and, in some cases, a bit of rushing. As you race to meet or exceed the lofty goals you set for the year, a skill that ties into all three of these areas is overcoming objections. As you follow up with prospects and clients leading into the new year, it's important to be prepared for their excuses and challenges, and ready to respond to them. Below are four ways to prepare for objections that you can put into practice today. Read more Social Selling Tips to Close the Year Strong November 9, 2017 by Mike Montague in Sales Process Later this month, myself and Marketing Director, Lindsey Demetris, are hosting a free webinar detailing how to drive revenues through social selling. We plan on teaching our viewers how to target efficiently, connect appropriately, and build engagement. Read more 3 Simple Ways to Increase Client Referrals October 31, 2017 by Mike Montague in Customer Relationships Getting started in sales, or increasing your success once you've established yourself, can be a very challenging task. One of the hardest parts of this process is securing leads. What's even harder is ensuring those leads are qualified. To grow as a salesperson, mastering this aspect of your career is key. Below I have identified three ways to get qualified referrals. Incorporating these simple tips will help you step up your referral game and uncover a path to new levels of success. Read more How to Effectively Juggle Client Accounts October 24, 2017 by Mike Montague in Sales Process Early in every sellers' career, they learn to segment clients. They have As, Bs, Cs, and "everybody else." What separates great sellers from others, is their ability to balance these segments and manage their relationship with each. Read more 5 Social Media Marketing Tips for Small Business Owners October 10, 2017 by Mike Montague in Professional Development When you're growing a small business, it's important to put an emphasis on best utilizing the tools at your disposal. Regardless of your industry or experience, one of those tools should be social media. While there are endless uses for social media and I have previously discussed social selling tactics, below I have identified five tips that you can bring back to your business and begin to implement today for social media marketing. Read more Three Critical Questions About Social Prospecting October 5, 2017 by Mike Montague in Prospecting & Qualifying First, let's understand what social prospecting is and what it isn't. Social prospecting simply means using social media and online networks to add more prospects, information, or sales opportunities to your pipeline. In other words, social prospecting is using modern communication and information networks to start a sales conversation with another person to determine if there is a reason to do business together. Read more See more posts