text: Building A PC: Leave Those Ugly Boxes at the Office Written by: J. F. Amprimoz • Edited by: Bill Fulks Updated Jun 3, 2010 • Related Guides: PC Before you worry about your hard disk, memory, or even CPU, decide what you want to do with your PC and where you want to do it; then figure out what kind of case you want. Unless You Have Cubicles Set Up in Your Split-Level or FlatMany people have space considerations in their dwelling: young people in bedrooms at home or in dorm rooms at school, apartment dwellers, large families with several computers and so on can easily have their living areas invaded by bulky boxes full of fans. Even if space is available, a PC that looks like it belongs in an office in the corner of a well-decorated living or bedroom can be a jarring sight. In a lavishly decorated house (or office for that matter), an off-the-shelf looking PC is a flag indicating the owner's lack of computing sophistication and general taste. Though a cheap computer may be all the user needs from a functional perspective, running shoes are all the user of a tuxedo needs from a functional perspective. Ugly beige boxes gave way to grey boxes, then black boxes with rounded corners, and large aerodynamic-looking plastic fairings were tacked on to make PCs look like they go fast. Putting one of these in your home isn't only ugly: visitors will think you stole it from work. The options for ready made PCs look largely like they came from cubicles or are targeted to gamers. The latter are great for a gamer's bedroom, but used in a living room will look kind of funny, flashing away in the corner during your dinner parties. People who like the best of everything should contact Suissa Computers: if you have a 7 figure house and a 6 figure car, you really can't afford not to get one of their bespoke PCs: works of modern design art executed with beautiful exotic woods, metals, and glass. Even if you aren't particularly wealthy or a skilled enough craftsman to slap together something comparable to the Suissa Enlighten, you aren't stuck with an office or gaming box; the home builder has hundreds of cases to choose from. They can find something that will fit both their computing needs and living space. Even if you aren't a home builder yet, the remaining articles in this series will provide detailed, step-by-step instructions, accompanied by pictures of how you can build your own PC.What Do You Need From Your PC?What do you plan on doing with your computer? Unless you want to do some high-end gaming, have several terabytes of storage, or run taxing applications like engineering or graphics and video editing software, you don't need a Full- or Server- Tower. The larger power supplies, graphics cards, more powerful CPUs and related cooling systems required for gaming or other hardware intensive activities obviously take up more room, and of course need a larger case. Larger cases also have more room for drives, so if you need lots of storage or several optical burners you may want to go big; but with terabyte drive prices dropping, we're talking LOTS of storage. If you need a big engine, you need a big engine bay, so a high performance computer obviously takes up more room than a more modest cousin. Those who need Mid or larger Towers have one of their decisions already made and may want to skip the next article and go right to the third if they are ready to start building. Those who are considering a smaller PC will want to look at the next article. It will explain the advantages and disadvantages of using a smaller form factor.Related Reading How To Build The Perfect Gaming PC Choosing A Chipset for Penryns and Phenoms


text:
Play it safe with PDF reader applications
Image via Wikipedia Are you using PDF reader? A security researcher Didier Stevens says "Escape from PDF". Using the PDF specification's "/Launch" function, anyone could exploit Adobe Reader to enable the launching scripts or executables files embedded in PDF files. The flaw could also be exploited to spread malware using PDF as a vehicle for […]
Penetration testing, Manual vs automated : version 1
First version of comparison between some of the aspects of penetration testing, when done manually using several checks, tools and custom scripts and when done with a commenrcial PT tool

subset: commoncrawl


text:
Flemish flag
Buy the flag
The Flanders flag represents a Lion. The federal Belgian state has instituted the Flemish Community (with its own Flemish government and Flemish parliament) and the Flemish region, whose flag is here represented. The nothern part of Belgium is called Flanders.
Available versions of the flag of Flanders
100% nautical polyester flags
Flemish flag in 100% nautical polyester - HIGH QUALITY FLAG
|Flanders Flag
|Unit Price
Formal Country Name: Flanders
Local Country Name: Flanders
Capital City of Flanders: Brussels
Population of Flanders: 6,043,161
Territory: 13,522 sq km


text:
Pet Insurance Month 2012 Finalist: Chynna and Buster
September is Pet Insurance Month and in honor of this, Trupanion celebrated the special bond that we have with our pets. We collected your stories explaining how your pet changed your life. It wasn't easy, but we chose our top 5 finalists and Chynna's story is one of them.
"Buster" was not the type of dog that attracted a lot of people not because he wasn't a sweet, amazing, good looking dog, but because of his size. His life with me began on a nice September day last year after several months in the city pound, being returned, accused of aggression and nearly being put down, as well as being rejected several other times it is no wonder why he came into my home with no trust and no hope of staying.
That is what made me want his love even more, it's not that he wasn't outgoing– he loved walks and he loved being here, but it was obvious that he thought that this love, affection and praise was not going to last.
Finally after months and months of love and support he finally let me into his heart and receiving his love changed my life now he was not only my dog but he became my best friend, a shoulder to cry on and a sympathetic ear to listen. After I got Buster, I went through a lot of life changes, my family pet was diagnosed with stage 4 lymphoma and needed chemo treatments to save her life to name the worst, and all the while Buster was there with unwavering love and devotion. He never strayed from my side the nights I spent crying or the days we rejoiced when she was cancer free. He has been there for me through thick and thin.
Recently he blew out his knee and required surgery luckily with the help of Trupanion I was able to afford the 4000$ that he needed to repair his ACL and, just like he is always there for me, I too have not left his side taking time off work, taking him to work and having family look after him to make sure that, like he did with me, he never feels alone during his recovery.
When I first got Buster, I never knew what to expect never having a pet that I owned to myself before, but I can truly say that he is the best decision I ever made; he is not my dog, he is my son, my family and my life. I would feed him before I would feel myself.
His unconditional devotion to me has pushed me to join a rescue agency to help other dogs who had hard lives like himself. He understands when I go off to help other dogs because he knows that like him they will get a second chance. He has even helped me to teach children in various groups such as cub scouts lessons like how to approach a dog, and that big dogs aren't as scary as people think.
Buster has changed my life and the way I think about animals his companionship has pushed me to take chances and to stand up for those who cannot speak, Buster is my advocate for rescue, he is the reason that I get up every morning and know that I have a goal, he has taught me that one person can make a difference, he is alive today because I chose to bring him into my home and he chose to love me in every way he could. I can't picture even a day without my amazing Buster.
If Chynna's story is your favorite, vote for it by clicking the Facebook 'Like' button on this post.
Read the full details and rules here.


text:
New Arrivals
Travel Essentials
Dermatological Sunscreen
Hi-Tech Health
Drug-free Pain Relief
Baby Health & Essentials
Baby Sunscreen
Overnight Underpants
Baby Thermometers
Breast Pumps & Accessories
Nasal Aspirators
Maternity & Prenatal Care
Visit our Optical Store for prescription contacts and glasses from top brands.
Brand name frames for men and women
Brand name lenses for men and women
Tap to zoom
In stock. 228 items available
Item is set to ship every 3 weeks
Total Price:
Free Shipping*
Pay With Any HSA Card
Largest Selection
Savings Up To 40%
100% Money Back
24/7 Customer Service
Today's parents opt whenever possible for natural solutions to their children's ailments. Thermal-Aid Zoo Animals make it easier to treat children when they need hot or cold therapeutic treatment. Thermal-Aid Zoo Animals can be heated in the microwave and cooled in the freezer and are made from 100% natural cotton and a heating/cooling element composed of a specially engineered corn. Unlike other natural packs, Thermal-Aid Zoo Animals are washable, which allows you to use them repeatedly. Whether your child uses it when they have the flu or sprain their ankle, you can wash it and keep using it without worrying about the spread of germs.
Features & Benefits:
Rated 4.7 out of 5 based on 6 reviews.
My grandsons loved it. I am sure they will enjoy it when it comes to use it.
Nice the idea is great. I hope I never need this one.
Very cute & practical. Great for children & adults as well. A little extra comfort to have a "buddy" with you when you aren't feeling well.
Adorable. Might have to cuddle it myself. Kids love it.
Very cute and easy to use
Makes taking care of a fever/pain easier.
View More
*All shipping prices displayed are for the lower 48 states only. We do not sell internationally.
© 2018 HSAstore.com. All rights reserved.
Privacy Policy | Terms and Conditions


text:
Screen is quite reflective and not suited to a bright room and picture quality is otherwise lackluster.
Isn't promising the most amazing image quality.
Saving energy is one of the biggest pros of the LG 42PA4500 TV.
Inexpensive plasma with natural-looking colors and solid bright-room quality
Nice, deep black, Excellent responsiveness
'full 3D display'
'Very smooth panning. '
'juicy picture'
'Reds and greens are especially vibrant and searing, even after a thorough bout of calibration.'
'The new button layout straightforward, with the most important buttons, like the directional pad and playback controls, falling easily under the thumb.'
'solid performance'
'The reproduction of detail is meticulous, clinical even, revealing Pandora in all its intricate, imaginative splendour.'
'startling clear picture quality'
Sports look sharp and clear without blur or stutter
Excellent color in bright and dark areas
Well-designed interface
Brilliant 3D pictures
Good media-streaming support
'Does not include 3D glasses. '
'Top-notch Internet apps, including Skype.'
'svelte styling'
'resistant screen coating'
'Television sets with bigger screens are large enough for the whole family to enjoy and will probably be too much for most small bedrooms.'
'smooth motion picture processing'
'ultra smooth image transition'
ReviewGist helps you find the best products to buy by making sense of online reviews.
We are currently aggregating 376,500 reviews
covering over 29,493 products.
© 2018 ReviewGist.com. All Rights Reserved.


text:
Some key skills needed for landing a first job after college include the ability to work in a group, effective communication practices and strength in both analyzing and solving problems by developing workable solutions. Other skills include ease in acquiring and processing information and adeptness in handling data and statistics.Continue Reading
Many of these skills are considered essential in new workers out of college because they are transferable skills; that is, they are essential in a wide variety of fields. In fact, many employers consider these skills more essential than any technical skills connected to a specific position. Many employers list the ability to flexibly work together in a team as the most essential skill a new employee can have, no matter what the field. Strong communication skills often comes second.
Other transferable skills that are considered important are the ability to plan, organize and prioritize tasks, computer knowledge as used in everyday situations, strength in influencing others and selling, and flexibility in applying knowledge in new settings. Given that typical college graduates have developed many of these skills in one form or another, the key is communicating to potential employers the transferability of those skills. Effective teamwork may have been displayed in group class projects or even in sports teams, and good communication skills may be evident from successful presentations or lauded participation in student government or drama clubs.Learn more about Career Aspirations


text:
|'Shophouse', Airwell, Macritchie,Foreigner Can Buy (D20)
Always wanted a conservation shophouse but put off by their crazy prices ?
Or you cannot buy a landed property as a foreigner?
Now you can buy this rare landed unit even as a foreigner ! ( yes,this property is special ) , and at $1.81m or $750 psf only.
This 99-year leasehold property is like a shop house but modernised. It has a central airwell and is in a quiet estate near macritchie / thomson plaza.
It has a great open-plan design with many interesting touches ( the tiles at the airwell/ fountain are from a demolished 200 yr old house in china ).
Is it an investment ?
This is an enbloc potential property.
** this property is sitting on land that is zoned 'commercial/ plot ratio 3.0' in the latest ura master plan. Ie the site can be redeveloped into retail/ office/ medical suites. Ie it's potential enbloc value can be very significant. **
note: retail space in the locality is currently selling at $2500 to $4000 psf vs the $808 psf that you are paying for this property. Can you think of another property that gives you this potential to gain while offering you a really interesting premises to stay?
- 2- storey/ 3brms/ 2411 sq ft strata floor area ( huge storage basement area not included ).
- 5 min's walk to thomson plaza & buses.
- near marymount and bishan mrt.
- easy access to the french & australian schools etc.
The photos show it with and without owner's own furniture ( a few pieces may go with the house )
please call me for a viewing. Find out more about it"s potential redevelopment value and appreciate its unique design & quality workmanship.
( this is truly a rare chance for a foreigner to own a landed property without having to apply for special permission from ldu ! )
( if you are currently renting, why not use your current rent payment to acquire this property rather than pay them as expenses? )
contact: y k yik ( 9383 3616 )
S$ 1,810,000 (Guide Price)
2,411 sqft (223.989 sqm) | Partially Furnished | 3 Bedrooms | 2 Bathrooms
Property Information
Special features
Other features
Outdoor/indoor space
Contact details


text:
Single Scale
NA1- Search for Single Scale
I started fishing for 'Single Scale' in March. The fish had just started to show themselves and despite the fact that the lake contained only a few elusive carp, the odd one stuck its head out to give me some encouragement.As the days got longer and the weather improved, the fish gradually became more active and on a good day they could be spotted visiting the snaggy margins and hanging around the submerged bushes. This is what I had been waiting for, because now I could really start to target these fish and perhaps get a bite. I arrived at the lake for a three day session at the start of April.The weather was warm and without any cold wind or rain and looked like staying good, and the swim I had targeted was free.This swim allows you to fish into the open water but also has a nice snaggy bay to the left in which the fish had been turning up in the middle of the morning.
There is also an overhanging tree that can be climbed to give a birds eye view of the area. The night passed uneventfully and I was up first thing watching the water for any sign of fish movements. I had decided to place a bait in the bay to my left on the edge of a big snaggy bush, where the water is quite shallow and I could just about make out the bottom from the climbing tree. I baited up with some mixed particles and broken boilies, but no whole ones though, and it looked perfect.After having a brew I got up the climbing tree to see if the carp would pay me a visit. It seemed like ages but at about 9.30 am two carp turned up and by 10 am they were feeding on my bait; game on! Soon I was back next to my rods waiting for a take. The line twitched and gave me a single bleep. My heart was beating faster and faster, but no take came. In the end I climbed the tree to see what was going on. Looking down there were still two carp and two tench feeding on my bait.
Going back to the rods, I was now thinking,"Please, not one of the tench." By three o'clock however it was all over and the fish had gone, but at least they had been feeding on my bait. The next day was similar, two fish turned up - the same two I think - they were going down and feeding and I was sure they could not get away with it twice, but by the afternoon they had gone again. On my last day I was hoping it might be third time lucky, but the weather had taken a turn for the worst being much colder and no carp or tench turned up all day. I left the lake a little disappointed and knew I was up against some very wary fish, but I was up for the challenge.
The next couple of weeks were quite tricky. One day would be nice and the fish would turn up in the margins, then the weather would change and I would be wasting my time fishing close in. But with summer now approaching, the fish soon started visiting the margins every day and I had my second close encounter. I was fishing a swim known as 'The Swamp'.On the right there is a massive sunken bush where, with a small underarm cast, you can drop a hookbait accurately close to its outer branches. I had woken after a quiet night but about mid-morning I had received a couple of unexplained bleeps. There is no climbing tree here, but there is a branch you can stand on and look down onto the edge of the bush where you are fishing. As I looked down from it into the water, out of the blue a carp came up from where I was fishing and its gills were going as if it were feeding. It then circled and disappeared under the bush, but despite waiting expectantly by my rods all day, there was no take. I left that evening and was beginning to get a bit concerned that fish were visiting my swim and feeding on my bait, but were getting away with it.
My next session was a four nighter and I was quite hopeful, but after spending three days in 'The Swamp' with no action, I was getting despondent. Every day I saw the odd carp in the swim but my gut feeling was that things just didn't seem right for a take. On the Sunday, after the other anglers had gone home, I decided to have a look around in the small bay where I had fished before.There I found five or six carp milling around, which was quite promising, so I moved straight away. I dropped one rod to the left on a nice clean piece of gravel, the second rod I cast across the bay to the edge of the snaggy bush. I baited each rod quite heavily hoping that the fish would feed and gain confidence as they worked their way through the bait.
At first light the left hand rod was away with the tip bent round and the indicator screaming. Lifting the rod I was into a powerful fish that ran down the left hand margin before turning and swimming into the middle of the bay.The fight seemed to go on forever, possibly because I was nervous and did not want to loose my first fish from the water. I'd put a lot of hard work and effort in and I just wanted it safely in the net. Everything went to plan though and I recognised the fish as one known as 'The Long'. It weighed 29 lbs and was an amazing torpedo shaped fish with its head and back so very dark brown that it was almost black, with an orange belly.This certainly wasn't your average 29 pounder.
This event was to mark a change of fortunes as over the next few weeks I landed a 28 lb mirror, two of the lakes small commons and recaptured 'The Long'. My sights were now firmly set on 'Single' though, which is by far the largest fish in the lake. By the height of summer, the fish were spending a lot of time in the 'Swamp' swim just basking in the sanctuary of the submerged bush. I remember spending hours one afternoon lying on a branch and watching 'Single' no more than three feet below me. At such close range it looked massive and quite leathery looking, apart from the single scale on its left flank and a small cluster of scales on the other side. I just laid there watching and dreaming. Single Scale was a really impressive fish and I dearly wanted to catch it.
When I arrived for my next session 'The Swamp' was taken and I decided to fish in the 'Small Bay'.The swim was just right for two rods with one to the left and the other cast across to the snaggy bush. I carried on with the heavy baiting, as it seemed to be working if only to feed off the tench.With the traps now set I went off to sleep dreaming of 'Single'.
I woke the next morning and made a cup of tea before two single bleeps sounded on the right hand rod; I had seen no signs of carp and put it down to tench. A slow run then occurred on the same rod and I struck and felt two slow lunges as the fish moved from left to right and straight into a weed bed. Everything went solid, so I increased the pressure then slowly, very slowly, a massive lump of weed slid across the surface towards me. It must have been at least 12 foot long. I cautiously waded into the margins with my landing net but I could not net all the weed, which was just too big. I could see my hooklink though, so I pulled it up to the spreader block and lifted the net. I started breaking the weed at the cord until I was left with what seemed like a net full of weed. I was sure there was a fish in there somewhere however and excitedly I started removing the weed. Straight away I came across a big tail and I started shaking. Next, I came across a cluster of scales on the flank of a large carp and I immediately I recognised it as 'Single'. Only a week before I had seen that small cluster of scales in the water, this time the owner was in my net.
On the scales 'Single' weighed 39.04, and as I held her for the camera, all the hard work and effort I'd put into catching her seemed worthwhile. For hours I had watched this fish in the sanctuary of the snaggy bushes but now it was in my arms the challenge was over. ?


text:
Parking Management Branch
Parking Management Branch
The Pentagon Force Protection Agency/Pentagon Police Directorate/Parking Management Branch (PMB) office administers and manages the Pentagon Reservation parking program. PMB is located in Room 2D1039, Pentagon Concourse adjacent to the Pentagon Federal Credit Union. The hours of operation are 8 am to 4:00 pm Monday through Friday. They may be contacted at 703.697.6251. The Pentagon Reservation parking lots are controlled and enforced to identify all vehicles parked on the Reservation. Security concerns mandate that all individuals along with their vehicle license numbers must be identified while parked on the Reservation.
Parking on the Pentagon Reservation is a privilege and not a right of any individual. The program is administered as described in Administrative Instruction 88.
It is imperative that all Pentagon Reservation employees/visitors adhere to the parking rules and understand their responsibilities when parked on the Reservation. Unauthorized or illegally parked vehicles are subject to citations, immobilization or towing to an impound lot at the owner's expense. Permit holders receiving citations for three or more parking infractions within a 12 month period may lose their parking privileges for one year or more.
Pentagon Reservation Parking Permits
To obtain a parking permit for the Pentagon Reservation requires an individual to relinquish their Metro Subsidy Benefits except for registered van pools with the Washington Metropolitan Area Transit Authority (WMATA)
Disabled Parking
To obtain permanent or temporary handicapped parking permits to park on the Reservation, the individual requiring a disabled parking permit must provide a copy of their physician's documentation to the DiLorenzo TriCare Health Clinic to certify disability and the length of time a permit is needed. An endorsement from DiLorenzo TriCare Health Clinic must be submitted to the respective Component Parking Representative (CPR) for further processing.
Van/car pool Permit
To obtain a van/car pool parking permit, all members must come together to the Parking Office, Room 2D1039, Concourse to apply and meet the requirements outlined in AI 88. To locate possible van/car pool riders, you may logon to the Commuter Connections website at www.commuterconnections.com. This site will provide such information as commuter and local bus services and computerized ride match for van/car pools.
Individual Permit
Each agency is allotted a number of different individual parking permits. To obtain an individual parking permit, the individual must contact their CPR to see if they meet eligibility requirements and if spaces are available. If the agency's CPR determines your eligibility to obtain a permit, they will process all the appropriate documents. The CPRs contact office phone numbers are:
Office Secretary of Defense - (703) 697-2091
Army - (703) 692-4003
Air Force - (703) 697-8111
Navy (703) - (703) 697-0874
Chairmen Joint Chiefs of Staff - (703) 697-1670
Marines - (703) 695-0570
Visitor Parking
Limited parking spaces can be reserved exclusively for visitors to the Pentagon Reservation who are on official business and visiting an SES/O-7 and above. Other visitors/temporary parking for official business is authorized pending approved vehicle clearance by PMB for the Hayes Street Lot adjacent to Pentagon City Mall, Fern Lot, and North Parking, Lanes 57-63. Parking arrangements for all visitors shall be made by the visiting agency to their respective CPR prior to the visitor parking on the Reservation. Temporary parking in the Hayes/Fern/North Parking, lanes 57-63 shall be made prior to parking and is limited to five days per month. Individuals may come to PMB, Room 2D1039 to make temporary parking arrangements or contact their respective CPR. The following information is required for parking clearances:
- Visitor´s full name
- Date and Time of arrival
- The visitee´s name, office room and work number
- Vehicle state and license plate numbers
With advance coordination through an individual's CPR or the PMB, a limited number of visitor parking spaces for official business are available. To accommodate special circumstances, personnel who receive Metro Subsidy Benefits may request temporary parking no more than five times per month. Please contact the PMB for details.
Access to Building
Building Passes


text:
Julia Cameron talks about morning pages in her book and on her site "The Artists Way". I also recently heard about 750 Words through Jamie Ridler who talks about doing Morning Pages in May.
So, I love this idea of morning pages, but I don't really know where to begin…
I'm doing a lot of OA work, which is amazing–I feel myself shifting and I feel miracles happening in my life, yet outwardly not much seems to have changed. Although I've lost 17.4 lbs so far.
I guess that's spirituality though. It's a very internal process of learning and growing and "remembering". I say remembering because I truly feel that we are "spiritual beings having a human experience" and that while we live on Earth, some "remember" that we're a spiritual being and led to who we really are. I'm not sure why it is that we "forget" our spirituality upon birth–or possibly we know it at birth but we forget as we mature. I wish I hadn't forgotten because sometimes the journey has been hard. But the lessons are positive growth.
I've heard it said that some people learn by soft touches, and others by [kicks in the a$$]. I have always been of the kick in the a$$ category. I believe I'm on a path to change that though. My hope is that as I continue on this path, that feels so right, that I give up my willfulness and have more willingness to be open to my inner God-voice.
To go back to the "remembering" of being a spiritual being. I believe I'm remembering because, as I spiritually mature and learn, the things I learn feel familiar–as if I've already or always known it. I have often used the analogy of the Monarch butterfly for remembering spirituality. The Monarch butterfly knows, without being born there, that they need to migrate to Mexico–they just know.
I'm not talking about reincarnation though. It's like I'm coming home…
I'm not sure how I feel about reincarnation. A part of me believes in it. I once read a Melody Beattie book in where she travelled to different parts of the world as part of her spiritual journey. If I remember correctly, she talked about karma and how we are all put back on Earth over and over until we "get it" (full enlightenment). Each time we learn more and more–like stages or tiers in our personal growth–maybe that's where the "remembering" comes from.
That makes sense to me because one of my cousins, for instance, was not spiritual at all and lived a complete victim existence. It appeared as if he could not see any life except the one he saw in front of his eyes. And the life in front of his eyes was a terrible one and it was never his fault (from his perspective). He ended up drinking himself to death at a fairly early age. From what I could tell he lived his life not "getting it" at all. My hope is that he does get a "do-over" and can come back to Earth with a more open and willing spirit, that he both receives and gives of the riches possible on this Earth.
As for me, I don't think I'm near completely "getting it" but I do feel like I'm on a path that is leading to some enlightenment. All I can do is keep trying to be open to learning and developing myself. To keep trying to be the best person I can be. To keep trying to know that I don't need to be like others, or have particular items in my life to be complete. To keep trying to listen to my inner God-voice and to trust. To trust…
It's not easy for me to trust or be as trusting as I think I should be or want to be. I have thrown myself open in the past and been terribly hurt. The difference from then to now is, before I didn't really have a sense of self so when I opened myself up I became swallowed by the other's desires for who I should be. And I lost myself.
It's taken me a long, long time to get to the point where I am–knowing myself and learning to love me for me.
I am still a "work in progress" bu I really feel that the work I'm doing now is opening me up to more and more wonderful things. And, all the work I have done over the last 20 years has gotten me to this point in time. A time of being ready to possibly/probably being open and brave and courageous enough to live out loud, at least just a little bit…
(I did a word count, and without realizing it, reached 798!)


text:
Scale Models of Cities.
Tinselman blog has an awesome collection of links of scale models of the cities of the world. This one above is the scale model of Moscow, which was made by artist Efim Deshalyt in 1976 as commissioned by then Soviet leaders, who loved this sort of gradiose things.


text:
GRAND ISLE — The state's second venture into aquaculture took a second big step Thursday when the Louisiana Wildlife & Fisheries Commission approved a Notice of Intent for Alternative Oyster Culture permits.
Spurred by the passage of Act 293 of the 2012 Louisiana Legislature, the AOC program will allow oyster growers to use different methods of raising oysters to marketable size.
The move is designed to grow oysters "other than directly on reefs or other water bottoms," according to the approved notice.
Notably, the program will allow off-the-bottom cultivation by using lines, bags and/or floating or suspended cages to grow oysters. The program will also allow cages and other devices to settle on the bottom of state-owned waterbottom oyster leases.
The LWFC's approval drew fire from at least one user group: shrimpers.
Lafitte shrimper Clint Guidry, president of the Louisiana Shrimp Association, told the commission that he is not opposed to the oyster industry or steps to help production, but that the rules contained in the notice are not specific enough, and that there needed to be more regulations covering other groups using the nearly 400,000 acres of state-owned water bottoms currently leased to oyster growers.
"This legislation (Act 293) affects all user groups of Louisiana waters," Guidry said. "My concern (for shrimpers) is that it's just one more thing in the water that somebody can hit, and that's a problem.
"We fish (trawl) at night, during the day and in bad weather, and if these areas are not properly marked, that's a problem," Guidry said.
Guidry said more information is needed to determine how many oyster leaseholders will participate before the state "... opens up all state waters from Texas to Mississippi." He said he was also concerned about foreign investors taking over oyster leases.
Department of Wildlife and Fisheries biologist and program manager Cole Garrett said regulations in the plan will limit the size of the new growing areas to 2,000 feet in any direction, or 90 acres, and that program participants will be mandated to mark these areas with 3-12 foot high buoys.
Garrett said the notice effectively authorizes oyster farming in state waters and not all state water bottoms will be open, notably those pose a hazard to navigation.
He said "suitability" maps, areas that could be used for the program, are posted on the LDWF's website, http://www.wlf.loouisiana.gov.
Garrett added that prospective participants must first obtain a coastal use permit from the Louisiana Department of Natural Resources to begin the process.
The notice will be posted in the State Register, will have a public comment period into February 2013 and could return to the LWFC for ratification at its March 7, 2013, meeting in Baton Rouge.
In other action:
- The LWFC learned that a five-judge panel voted former Baton Rouge artist Ron Louque's painting of a mallard drake and hen to serve as the state's 2013-2014 Waterfowl Stamp;
- Learned that upland game biologist Fred Kimmel received the year's top technical award from the Southeast Association of Game Agencies for his research on wild turkeys; and
- Learned that state Enforcement Division agents issued 1,037 citations and 390 written warnings during October. Among the citations were two issued in East Baton Rouge and East Feliciana parishes for illegally taking deer at night. The division's report included the first month of 2012, when there were no boating fatalities in the state. The state's boating fatality count for 2012 stands at 28, down from 34 through the first nine months of 2011.


text:
New Arrivals
Travel Essentials
Dermatological Sunscreen
Hi-Tech Health
Drug-free Pain Relief
Baby Health & Essentials
Baby Sunscreen
Overnight Underpants
Baby Thermometers
Breast Pumps & Accessories
Nasal Aspirators
Maternity & Prenatal Care
Visit our Optical Store for prescription contacts and glasses from top brands.
Brand name frames for men and women
Brand name lenses for men and women
Dental Services and Procedures: eligible with a Health Savings Account (HSA)
Dental services and procedures are eligible expenses with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) and a limited care flexible spending account (LCFSA). Dental services and procedures reimbursement is not eligible with a dependent care flexible spending account (DCFSA).
Discover thousands of Eligible items for sale on HSA Store
What are the most common eligible dental services and procedures?
In the world of consumer-directed healthcare accounts, dental care causes a great deal of confusion as to what is covered and what is regarded as simply necessary for "general health" purposes and therefore not eligible for reimbursement. For instance, common dental care items like toothbrushes, toothpaste and dental floss are considered "general health" products and not eligible for reimbursement, even though they contribute to the prevention of oral disease and other dental issues. However, eligible expenses include regular cleanings and checkups, as well as a huge slate of potential dental procedures (Internal Revenue Service).
While some dental services and procedures will be reimbursed differently, many require co-insurance or a co-payment, the following procedures are considered eligible and can alleviate a wide variety of potential dental ailments. These include:
Eligibility Table
Dental care for cosmetic purposes such as teeth whitening is not eligible.
Eligible expenses for Limited FSAs can vary. To find out exactly what your Limited FSA covers, contact your FSA administrator.
*All shipping prices displayed are for the lower 48 states only. We do not sell internationally.
© 2018 HSAstore.com. All rights reserved.
Privacy Policy | Terms and Conditions


text:
Why do TV shows and movies leave Netflix?
Netflix licenses TV shows and movies from studios and content providers around the world, and those licenses can expire if we don't renew them. We strive to keep the content you want to see, but we acquire licensing rights for TV shows and movies for a certain period of time - not indefinitely - so some titles do leave Netflix. If a TV show or movie you love is leaving, it indicates that our licensing agreement with the content provider is about to end.
Whenever a TV show or movie is expiring, we evaluate whether or not to renew it using the same criteria we apply to potential new content. We consider factors like:
Are the rights to renew the licensing to stream still available?
What is the popularity and cost of a particular title?
Are there other seasonal or localized factors?
If a TV show or movie is renewed, it remains on our service for you to enjoy. If a TV show or movie is not renewed, we'll give you a heads up on our website that it's about to expire. To learn how to find out when TV shows or movies are leaving, see How do I find out if a TV show or movie is leaving Netflix?
To request a title for Netflix, please see Request TV shows or movies.


text:
Sleek and ultra slim design
This official Galaxy S6 Qi wireless charging pad has been designed to complement the unique product styling of the Galaxy S6 and as such is the perfect home or office charging solution for your phone. Not only does the charger save tangled cables from cluttering your desk space, but the pad actually looks aesthetically pleasing with its smooth contours and clean lines.
Electromagnetic field for Qi wireless charging
The Qi Wireless Charging Pad allows your S6 to charge wirelessly via electromagnetic field and inductive coupling that send an energy charge from the charging pad to your phone. This makes for a beautiful space saving way to charge your phone at your desk, office or at home.
Features over-charging prevention
The Qi Wireless Charger automatic shut off feature prevents your Galaxy S6 from continuing to charge once the battery is full, providing a smarter, more efficient charging solution over traditional mains chargers.
Application:GALAXY S6(G9200)/GALAXY S6 Edge(G9250)
For Nokia Lumia 1020/920/820 /1520
For Google LG Nexus5/4
For HTC X920e 8X /8S
Diameter: 97mm, height: 16.8
Weight Approx: 88g
Available colors: black, white
Package includes: A wireless charger and a free cable


text:
Proofread Something
Budget $250-750 USD
a novel needs to be prepared for publication.
54 freelancers are bidding on average $377 for this job
Hi, I'm an experienced editor with a postgraduate background. I strive for complete accuracy and the highest degree of professionalism in the work I complete. I also have a 5 star average rating. Relevant Skills and More
I'm a professional English proofreader with extensive experience in linguistics and writing. Relevant Skills and Experience Over the years I've helped a lot of first-time writers and aspiring authors polish and refine More
Proofreading Relevant Skills and Experience I am a British writer based in the UK. I can assist you with proofreading and editing your novel to a high standard. Please check my 5* rating and contact me to discuss this More
I'm a lecturer in English Language and Writing, and I have a Master's in English and Linguistics. I have been a proofreader and editor for a number of novels and publications. Relevant Skills and Experience I am also More
I'd be delighted to provide you editorial assistance in 30 weekdays. Relevant Skills and Experience I'm an experienced copyeditor, proofreader, translator, and layout specialist in MS Word format compatible with self- More
I would be delighted to assist you with the proofreading and editing of your novel in readiness for publication. I will check for grammar, spelling, punctuation, structure and flow. Relevant Skills and Experience I am More
Hi! I'd be delighted to help you prepare your novel for publication by proofreading it. I'll aim at the highest level of sensitivity to the novel's distinctive tone of voice plus technical accuracy. Relevant Skills an More
Hello! My name is Dave and I'm an experienced proofreader and who would be happy to take a look at your writing and make any needed changes or notes. Relevant Skills and Experience I am part of the Preferred Freelance More
Hi, i am professional native editor Relevant Skills and Experience I have done many books and novel editing for my clients Proposed Milestones $300 USD - milestone when do you need ?
I'm an experienced professional English editor. I am proficient in both British English and American English. Relevant Skills and Experience I have many years of experience in corrective writing, editing, and proofrea More
Hi, I have over 15 years of experience in writing, editing and proofreading. My particular expertise and experience is in business writing and user guides/instructional documents. Regards Brandon Relevant Skills and E More
I am a native English speaker with a large amount of proofreading experience. I am available immediately to start working on this. Relevant Skills and Experience Proofreading, editing, spelling, grammar, UK / US Engl More


text:
The following information is taken from www.SupremeCourtBC.ca, a website that introduces people to the Supreme Court of BC.
The Supreme Court is the highest trial court in British Columbia. It hears civil cases over $25,000, family law cases involving divorce and custody, as well as serious criminal cases. The Supreme Court also hears appeals of Provincial Court cases. There are currently about 100 justices and masters that hear cases province wide. Supreme Court orders cannot be altered by the Provincial Court. Only the Court of Appeal for BC or the Supreme Court of Canada can modify or overturn the decisions of the Supreme Court of BC.


text:
Tasting note: A discreet but incredibly complex nose features notes of spicy, pure and relatively high-toned fruit that is laced with plenty of rose petal and violet hints. There is excellent energy and freshness to the lacy and stunningly precise broad-scaled flavors that build in intensity from the densely concentrated mid-palate to the explosive and mouth coating finish that seemingly goes on without end. This is a big LT with ample muscle and very firm but not aggressive structure along with superb depth of underlying material and positively mind-blowing length. But the real genius of this wine is the Zen-like harmony and poise though note that it is very tightly wound and will need many years of cellaring before it will be completely ready. In a word, magnificent. Drink: 2034+Burghound 98
The 2009 La Tache is a very subtle wine. It boasts incredible richness and depth, yet remains elusive. Silky, impossibly refined tannins frame the seamless, resonant finish. Nothing in particular stands out. Everything is simply in the right place. Anticipated maturity: 2024-2059.Antonio Galloni for Robert Parker 97


text:
'neath bright blue sky
upon wide open fields of snow
with no end in sight
nothing to do
but to run and to play
on such
a fine
and lovely
winter's day.
nature is an infinite sphere of which the center is everywhere
and the circumference nowhere.
– blaise pascal


text:
Scan and/or photocopy the identity page(s), all visa pages, and admission stamp or Form I-94 in your passport. Keep photocopies in a place separate from your passport. These copies are very helpful in replacing a lost or stolen passport.
Do not carry your passport and original immigration documents every day. Only carry your passport and immigration documents if you are going to an office, agency, or bank where you must show them to do business. Otherwise, leave them at home in a safe place.
Keep your apartment/house/dorm room locked at all times even when you are there. Lock your car, even when you are in it.
Always look through the peephole of your house or apartment door and fasten the safety chain before opening the door for a stranger.
Tell your landlord about potential security problems, such as broken locks, burnt out stairway lights, and outside doors left unlocked.
Ask service people (telephone or electric company workers, police, etc.) for proper identification when they ask to enter your apartment/house/dorm room.
Do not carry all your money or traveler's checks with you wherever you go.
Keep your wallet, backpack, and pocketbook with you at all times. Do not leave these possessions unattended, even for short periods of time.
Do not hitchhike (accept car rides from strangers).
Walk on well-lit streets at night, where other people are walking. Avoid dark alleyways. It is best to walk with other people, when possible.
Scan the area ahead, around, and behind you whenever you are walking on the street. Change direction, cross the street, or enter a busy building if you get the feeling that someone near you might be a problem.
Notice the location of blue-light emergency phones on the MIT campus.
If you are confroted by a thief, do not resist or risk your safety.
In an emergency, dial 100 from any on-campus phone (this will call the MIT Campus Police) or call 911, the emergency number for all of the United States (for fire, police, or medical emergency). If you are using your cell phone or a pay phone, you can report an emergency to the MIT Campus Police by calling 617-253-1212.
If there is a blizzard or snowstorm, call the campus snow line 617-253-SNOW (7669) or check online at http://emergency.mit.net/ to see if MIT is open.
Sign up for "MIT Alert," MIT's emergency notification program, designed to provide information and advisories through voicemail, email, and text messages for the safety and security of the MIT community. Sign up at https://em6.mit.edu/mitalert/.
Use the MIT Safe Ride shuttle service when traveling to and from campus. It runs from 6pm to 2:30am Sunday-Wednesday, and from 6pm to 3:30am Thursday-Saturday. For more information and schedules, go to http://web.mit.edu/facilities/transportation/shuttles/safe_ride.html.
When working in a laboratory late at night, lock the door. If you are working in the lab alone, very late at night, call the Campus Police at 617-253-1212, to let them know you are there.
Register your laptop and your bicycle with the MIT Campus Police. Laptop registration information: https://police.mit.edu/laptop-tagging-and-registration. Bicycle registration information: https://police.mit.edu/bike-safety-security-and-registration.
During tax season, it is not unusual for criminals to try to commit fraud by targeting international students and scholars.
The tax authority in the US is called the Internal Revenue Service, or IRS. The IRS will NEVER call or email a taxpayer to say they owe money. If you are emailed by anyone claiming to be from the IRS, do not reply. If you are called by anyone claiming to be from the IRS, tell them you know they are lying and hang up immediately. Or, note the phone number of the caller and inform them you are reporting their number to the police and then hang up. Inform the International Scholars Office and/or call the Cambridge Police to report the fraudulent email or call.Please see more information on the IRS website regarding scams (fraud) and how you can report them: http://www.irs.gov/uac/Report-Phishing.
If someone claiming to be from another government agency (such as the FBI, Homeland Security, Immigration and Customs Enforcement, or USCIS) calls or emails you and threatens to make you leave the US or tries to get money from you, it is criminals trying to commit fraud.
Again, tell them you know they are lying and hang up immediately, or note the phone number of the caller(s) and inform them you are reporting their number to the police and then hang up. Inform the International Scholars Office and/or call the Cambridge Police to report the fraudulent email or call.
Even if a caller has personal information about you, do not pay any money, give any other information about yourself, or send any documents.
More information about fraud can be found on the US Department of Homeland Security's website "Study in the States": https://studyinthestates.dhs.gov/2015/03/important-message-to-students-protect-yourself-from-scams.
See also https://www.uscis.gov/avoid-scams/common-scams.
Certain behaviors are not acceptable or permitted in the United States. You could be arrested by the police if you commit such offenses, or you may file legal charges against anyone who commits these acts toward you:
Verbal or physical abuse
Spousal abuse
Leaving children unattended in your home, car, or other location, even if it is just for a short period
If you experience mistreatment in your workplace, you may contact the MIT Ombuds Office. The Ombuds staff is also there to help you resolve other problems and issues you may experience at MIT. The MIT Ombuds Office representatives are neutral, independent, informal complaint-handlers. All information you discuss with the Ombuds Office is completely confidential. Go to http://ombud.mit.edu/ for more detailed information.
As always, the International Scholars Office is available to help you. Do not hesitate to consult us for any matter, large or small.
Last Updated: June 2018


text:
that's me!
Barbara Gray has been doing comedy in LA for a little over two years. Besides doing sketches and videos, she runs two alternative comedy shows in Silverlake - Space Boners, which is the second Saturday of every month at The Silverlake Lounge, and One-Two Punch, in her own living room at her house in Silverlake. Right now she is producing a short film with Lionsgate through massify.com.


text:
|968 sq. ft.
|Property type
|Minimum Stay
|3 - 7 nights
This pleasant, Asian-style apartment reflects the pure joy of living. The apartment on the first floor offers accommodation for 6 people. There are two bathrooms for the three beautifully designed double bedrooms. The terrace overlooks the sea and the mountains across the bay. Son Serra is a well-kept secret, far from the tourist flow and here you will find everything you need for a relaxing holiday. There are restaurants serving excellent Mediterranean cuisine, depending on the season. You have kite surfing and boat trips for fishing or swimming. Riding facilities are available with music, barbecues, and cowboy shows are held at the nearby stables. Explore the deserted beaches in the nature reserve; take long walks or bike rides along the sea. On Sundays, there is a great mallorcan market in Pollensa. Additional beds available on request (sofa beds). Property not suitable for children. At NOVASOL we offer over 40,000 hand-picked holiday homes, across 29 European countries. Our huge selection of self-catering accommodation includes beautiful holiday homes near the sea, cottages in stunning country surroundings, villas with private pools and apartments in some of Europe's most interesting and beautiful cities. We aim to simply provide: Quality self-catering holiday properties all handpicked and inspected by our employees, with complete reliability meaning you can trust that we will provide you with the best accommodation for you holiday.
This partner has demonstrated and is committed to fast response times, the best rates, and a great guest experience.
*Plus compulsory or optional charges based on actual occupancy or consumption. The payment has to be made in the currency offered by the property manager, before use of conversion tool. Payments in other currencies have to be negotiated beforehand with the property manager. The currency conversion tool is provided for your convenience only and is non-binding.


text:
Leighton Agency offers a full roster of both male and female voice talent specializing in the different modalities of voice-over. Download MP3's of talent's commercial reels, even request auditions. We're a leader in the Arizona voice arena.
The voice-over search is only accessible by industry professionals. To obtain a User ID and Password call Ruth Leighton direct at 480.704.3482 or email her, firstname.lastname@example.com.


text:
Status: Open
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Twin Cities Hospital is a 65-bed hospital with a medical staff of over 150 physicians.
Call today for a free physicians referrallcertified othopedicfor quality heatlthcaretrust twinthe orthopedic joint replacement program at twin clties hospital has eamed the joint commission's gold seal of approvalthe area's first
Twin Cities Hospital's Patient Portal enables you to instantly and safely access the personal health information in your me...dical record. Our FREE and SECURE Patient Portal is available through an encrypted password-protected login process at www.TCHospital.com/Patient-Portal. For assistance setting up or accessing your accounts, call our support line at 855-870-5350. See More
Be the first AL.com user to add photos or videos of Twin Cities Hospital
Twin Cities Hospital is a 65-bed hospital with a medical staff of over 150 physicians.
Private rooms help speed your recovery and lower your chances of infection. All of which leads to better patient outcomes, lower costs, and best of all, happier patients. After all, we don't just want you to get well soon. We want you to get well sooner!
With the recent addition of our Picture Archiving Communications Systems (PACS), we are proud to offer a film-less method of acquiring,...


text:
Grey Sans Complete Family Pack
- Designer: Jason Vandenberg
- Foundry: Jason Vandenberg
- Classifications: Sans Serif, Grotesque Sans
Try this font now! Use the controls below to customize your text string and its appearance.
Try this font now! Use the controls below to customize your text string and its appearance.
Current Product Technical Details
|OpenType Std (CFF)
|Product ID:
|Material Number:
|Technical Name(s):
|GreySans-UltraThin, GreySans-Thin, GreySans-Light, GreySans-Regular, GreySans-SemiBold, GreySans-Bold, GreySans-ExtraBold, GreySans-Black
|File Name(s):
|GreySans-Black.otf, GreySans-Bold.otf, GreySans-ExtraBold.otf, GreySans-Light.otf, GreySans-Regular.otf, GreySans-SemiBold.otf, GreySans-Thin.otf, GreySans-UltraThin.otf
|Window Menu Name(s):
|Grey Sans UltThin, Grey Sans Thin, Grey Sans Light, Grey Sans, Grey Sans SemBd, Grey Sans, Grey Sans ExtBd, Grey Sans Black


text:
Apple, Raspberry, and Frisée SaladDL Staff | Delicious Living
- Serves: 6 people
- Calories per serving: 104
A colorful marriage of end-of- summer raspberries and early-crop apples. Ingredient tips: Frisée, a frilly, slightly bitter green lettuce, is sold in heads like regular lettuce; mâche, a delicately nutty, rosette-shaped lettuce, can be found in clear containers in the produce section. Adjust the proportion of each to suit your taste, to total 8 cups greens.
- Mix all dressing ingredients together in a small bowl. In a large salad bowl, combine frisée, mâche, apple, raspberries, goat cheese, and pecans. Drizzle with about three-fourths of the dressing and toss gently.
PER SERVING: 104 cal, 62% fat cal, 8g fat, 2g sat fat, 4mg chol, 2g protein, 8g carb, 2g fiber, 38mg sodium


text: Cowshed Slender Cow Extra Firming Body Butter works alongside the rest of the Slender Cow trio to provide round the clock moisturisation, as well as to strengthen the skin and improve elasticity. Essential oils of sweet orange, grapefruit, ylang ylang and mandarin red stimulate tone and condition skin while carrot seed oil helps to break down toxins. The result? A bikini-ready body others will envy. Oh Slender Cow you are spoiling us. Sluggish thighs have absolutely no chance when pitted against a massage of such exuberance. - Kelly Gilbert, Beauty & Health Editor, Vogue.Check stock and price


text:
Home > The H-E-B School of Business & Administration at UIW > Advising Specialist
Haley Ayres, M.Ed. is the Advising Specialist to the H-E-B School of Business and Administration. First-time incoming business students are assigned Mrs. Ayres as their academic advisor for two years. Transfer business students are assigned to her for one year. After this time, business students will be assigned a faculty member to serve as their advisor.
Mrs. Ayres assists students with course selections and degree plan guidance. She also helps with audit reviews and discusses student responsibilities and community service requirements. She is a connection to other resources on campus, guiding students on their path to graduation.
Mrs. Ayres joined the H-E-B School of Business as the Advising Specialist in 2015. She previously served as an athletic academic advisor in the Student Success Department at UIW. Mrs. Ayres received her Bachelor of Arts in English from Washburn University in Topeka, Kansas, and her Masters of Education in Workforce Development Education from the University of Arkansas at Fayetteville.
Click here to see 4-year Degree Plans, Checklists and Profiles.
Mrs. Ayres is available by appointment only. Please see her contact information below to set an appointment.
If you are not a first-time incoming student to UIW or a transfer student, please see your faculty advisor for information regarding registration and degree plan.


text:
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first OregonLive.com user to add photos or videos of Enviormental Control Corp
Enviormental Control Corp is located at 541 Willamette St, Eugene, OR. This location is in the Downtown neighborhood..


text:
Ropalidia revolutionalis is a small to medium sized, dark
reddish-brown wasp, very common from south-eastern to
northern Queensland. It builds very distinctive nests that are
frequently found on garden shrubs or fences. Each comb
consists of a vertical strip two cells wide, attached by a
peduncle at the upper end. Large colonies of this species may
be made up of a row of several combs.
Taken in my BBQ area building there nest on a hook I put up to hang lights on. Logan City QLD, Australia.
Olympus E-420 Focal Length 200 mm at 1/60 sec, F/5 and 200 ISO.
Featured in This and That 18/04/2014.


text:
I've been thinking a lot in recent years about how to get my retirement ducks in a row, but I hate to admit it: I've been doing a lot more thinking than doing.
It turns out that this is a common mistake women investors make. While we generally outlive men and understand the importance of saving for retirement, we're not on par with men in terms of saving for our golden years.
This gap - which I'm calling the retirement gender-gap - is evident in just released findings of BlackRock's first-ever Global Investor Pulse Survey, a survey of 17,500 respondents globally, including 4,000 Americans.
According to the survey results, retirement saving is a key differentiator between women and men globally, including here in the United States. For instance, men and women in the United States are aligned in prioritizing retirement: 47% of men and 46% of women name "funding a comfortable retirement" as a currently important financial priority. Yet just 53% of women in the United States say they have begun to save for their retirement, compared with 62% of men. So what's behind this gap? Three interrelated factors may be at play.
Women tend to be less confident than men. These confidence issues may be keeping women back when it comes to saving for retirement. As my colleague Nelli Oster has pointed out so eloquently in her Men vs. Women series, behavioral finance researchers have found that women tend to be much less confident than men when it comes to investing. Such investing insecurity can cause investment decision inertia and may be holding women back from making retirement moves. For example, as women tend to be less confident and more cautious investors than men, they typically do more research, and take more time, before implementing an investment strategy.
Findings from the BlackRock survey back this up. According to survey results, while 55% of American men affirm that they understand how much they need to save for retirement, only 45% of American women do. Meanwhile, only 41% of U.S. women identify themselves as knowledgeable about saving and investing, compared with 57% of U.S. men.
Women tend to be more risk averse than men. Possibly because they're less confident in their investing abilities, women tend to be much cautious investors than men. Their wary stance toward taking risk is evident in these survey stats: 55% of women globally (compared with 47% of men) agree that "I am not willing to take any risks with my money," and just 22% of women globally (compared with 34% of men) say they are willing to take on higher risks to achieve higher rewards. This greater risk aversion could be what's keeping women from building up their retirement accounts.
Other financial worries may be trumping retirement. Because women typically are more risk averse, they tend to be more prone to focus on conservative money moves like paying off debt. In fact, according Global Investor Pulse Survey results, women are more likely than men to cite the following as priorities: paying off the mortgage on their main home, paying off other debts, saving a deposit for a new home, and financing their children's education. This may be because women today frequently are the decision makers about household finances, but it may also be because many women fear ending up as bag ladies (i.e. they're suffering from "the bag-lady syndrome"). In other words, women may be focusing more on these other financial issues than on their retirement.
To be sure, men have their fair share of issues too. To name one, men's tendency toward overconfidence in their investment skills can lead to excessive trading and underperformance. Still, when it comes to saving for retirement, men do seem to be a step ahead.
So, regardless of what's behind this retirement gender gap, it's a gap that all women, me included, should try to overcome. By not beginning to save for retirement now, women risk falling short of their retirement goals and losing out on the benefits of good old compound interest.
Plus, retirement today is not like it was in the past - saving for retirement is more in your own power than ever before. So, women, let's try to be a little more confident and a little less risk averse when it comes to saving for our future. As confidence is rooted in knowledge, the more knowledge you gain, the more confident you can be. The good news is that BlackRock is here to help, offering a host of retirement resources online that can help you get started doing your part to close the retirement gender gap. Women, let's lean in and learn.
Source: BlackRock
Sue Thompson, CIMA, Managing Director, is Head of the Registered Investment Advisor Group, overseeing the firm's iShares and 529 sales efforts with registered investment advisors, family offices and asset managers. Sue is a regular contributor to The Blog. You can find more of her posts here.