text:
There is another case, you want to easily manage tons of data like music, photos, videos and more on your iPad do not want to spend too much time and effort.
Part 1: Permanent Delete Data on iPod Without Recovery
For many iPod users, deleting data from iPod is a tough task that they don't even know the first step to set about it somehow. Here I recommend you powerful software to give you a hand on deleting songs, pictures, videos, history and more from iPod. iPod Data Eraser is designed for iDevice users to delete data from iPod touch 4, iPod touch 5 and any other iDevice. You can just follow the three easy steps below to go ahead.
You can click the below button to free download a trial version.
Step 1. Connect your iPad to computer
After downloading the iPad Data Eraser on your computer, connect your iPad to it then, and run this program on your computer. Your iPad will be detected automatically, and you will get an interface below.
|Permanent Delete Data on iPod-1
Step 2. Choose the right option on your device
You should choose the "ERASE ALL DATA ON DEVICE" option, so that you can continue the subsequent steps.
|Permanent Delete Data on iPod-2
Step 3. Delete photos on your iPad
There are three choices available for you to delete your data. Among the "High, Medium, Low", you are recommended to choose the "Medium" level, which takes the moderate time in deleting. Click "Start" button to begin the processing.
|Permanent Delete Data on iPod-3
Part 2: Delete/Manage/Edit/Export Data from iPad
iPod Data Assistant (Wins/Mac) which supports iPod touch, iPod nano, iPod shuffle as well as iPhone and iPad to transfer music, video, playlists, Podcast, iTunes U, etc. to PC for backup and easily manage/edit them with a clicl. In addition, you can directly transfer data between two iPad devices. Following, we will take music as an example to show the steps.
The transfer program provides two trial version of Windows and Mac for users:
|Manage iPod Data with iPod Data Assistant-1
Notes: Install the iTunes on your computer first. This program supports iPod nano 7, iPod nano 6, iPod nano 5, iPod nano 4, iPod nano 3, iPod nano 2 and iPod nano.
Step 2. Remove the music from your iPod nano
You can see all contents on your iPod are listed on the left-side directory tree. Click "Music", all music on your iPod nano are listed.
|Manage iPod Data with iPod Data Assistant-2
Notes: You can use this program to backup the photos that you don't want to lose before deleting music from iPod nano.
You're able to remove common playlists on your iPod nano too. Click "Playlist" that you will delete, and then click "Delete" in the left sidebar.
|Manage iPod Data with iPod Data Assistant-3
Supported Apple Devices
iPhone: iPhone 5s, iPhone 5c, iPhone 5, iPhone 4S, iPhone 4, iPhone 3GS
iPad: iPad air, iPad mini with Retina display, iPad mini, iPad with Retina display, The New iPad, iPad 2, iPad
iPod: iPod touch 5, iPod touch 4, iPod touch 3, iPod classic 3, iPod classic 2, iPod classic, iPod shuffle 4, iPod shuffle 3, iPod shuffle 2, iPod shuffle 1, iPod nano 7, iPod nano 6, iPod nano 5, iPod nano 4, iPod nano 3, iPod nano 2, iPod nano
Related Articles:
How to Complete Delete Data on iPhone 5S/5C/5/4S/4/3GS
How to Permanently Delete Data on iPad Without Recovery


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|The Kensington Review
17 September 2004
Latest Commentary:
Federal Judge Dismisses Case for New Jersey Special Election -- When New Jersey Governor Jim McGreevey, a Democrat, announced that he was resigning back in August, he set up a politically surreal situation by making that resignation effective on November 15. In so doing, he avoided a special election that would have filled the vacancy which might have been won by a Republican. Instead, the slot will be taken by state Senate President Richard J. Codey, a Democrat, thus keeping it all in the party. This being America, a lawsuit was immediately filed in US court claiming this somehow violated the rights of the people of New Jersey. US District Judge Garrett E. Brown Jr., threw the case out as groundless, and the two Princeton lawyers who brought the case have filed it in state court. They should get the same treatment there if there is any justice.
British Protesters Embarrass Security Chiefs -- It was a bad week for the image of British security. Bad enough that some clown in a Batman suit managed to climb onto Her Majesty's balcony at Buckingham Palace, then some Hooray Henrys disrupted a House of Commons debate on a fox hunt ban (to be chased down by middle aged men in tails and knee socks). When under attack by the IRA years go or facing terrorists in the Iranian embassy on Prince's Gate, British security at least won respect and sympathy for doing such a difficult job. Today, it is a laughingstock. And the sooner it wipes the egg off its collective face, the better.
Brits Say Apple's iTunes Discriminates against UK Customers -- Apple's iTunes service is the biggest and most successful musical download operation worldwide. Worldwide is an interesting problem for iTunes, though. Some British consumers are upset because Apple's break-through 21st century technology has been structured with a 20th century sales system. In a nutshell, a customer in London pays more for each and every song than a customer in Paris or New York. Britain's Consumers' Association has asked the Office of Fair Trading to Investigate.
NHL Players Locked Out -- Ice hockey will be played in North America this winter, but there's a fair chance it won't be played by NHL teams. A labor dispute endangers the entire hockey season. The team owners have already given league commissioner Gary Bettman the power to call everything off for 2004-05. Those in the know say this could be the first year since 1919 that there is no Stanley Cup final. The Spanish Flu that killed millions after World War I did in the 1919 Cup; a 21st century disease -- unbridled greed -- may destroy this one.
Contact us

subset: commoncrawl


text:
Understanding EKGs
A Practical ApproachBook - 2014
Understanding EKGs: A Practical Approach, Fourth Edition, takes a 5-step approach to EKG interpretation. Offering a straightforward presentation of cardiovascular anatomy and physiology, this edition includes expanded graphics as well as rhythm strip examples with answers based on the popular 5-step approach. Review questions and review strips at the end of each chapter reinforce learning. Plus, a chapter dedicated to the assessment and management of the patient with cardiovascular emergencies is included in this fourth edition. This text is perfect for courses in EMS, nursing, cardiovascular emergencies, and monitor tech training.
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text:
Even as an English teacher, I have a hard time describing tone. Is it an attitude? Is it atmosphere? How is it different from mood? All very technical. I wouldn't even call tone a "you-know-it-when-you-see-it" kind of a thing. In fact, I think you know it better when you don't see it.
That said, I didn't "see" a consistent tone in Quentin Tarantino's Django Unchained. Oh, over the course a two hours and forty-five minutes, I saw a bunch of other things—a lot of exploding blood packets, for example (hard to take, with memories of the Sandy Hill school shooting still fresh in our collective minds), and a bunch of characters, both white and black, throwing around the N-word. (Hey, I get it's a period piece, and I accept that's how people talked in 1858, but that doesn't mean I have to like it.)
That stuff didn't thrill me, but after talking about it with my colleagues, I realize I mostly have a beef with the film's muddled tone. Here's what I mean: to me, this overly long film is really two films in one. And apparently, I'm not far off with this: according to the December 21st Entertainment Weekly, Tarantino and producer Harvey Weinstein had actually considered giving the film the Kill Bill treatment by cutting it into two.
As it stands, Django Part I is basically a pre-Civil War buddy movie, detailing the madcap adventures of Dr. King Schultz (the always mesmerizing Christopher Waltz) and Django (the capable though somewhat less mesmerizing Jamie Foxx). Dr. Schultz is a dentist-turned-bounty hunter charged with bringing in criminals "dead or alive"; despite the fact that he conveniently overlooks the "alive" part, Dr. Schultz is likeable and strangely honorable. He also hates slavery, and early in the film, Schultz frees Django and then enlists him to be his partner in the bounty hunting business.
I like Django Part I a lot. Sure, it has some dark, unsavory moments (it's not a Pixar movie, after all), but overall, it has a certain lightness to it. There's humor (including an amusing Jonah Hill cameo). There's the touching friendship between Schultz and Django, which to me is the best part of the movie. Heck, there's even Jim Croce's "I Got a Name" on the soundtrack. You don't get much bouncier than that!
Then comes Django Part II, which introduces us to an insane and merciless slave-owner named Calvin Candie (Leonardo DiCaprio). Mr. Candie owns Django's wife, Broomhilda, and so Schultz and Django undertake a covert mission to rescue her. A great concept , for sure, and Django Part II does have some compelling moments. (DiCiaprio particularly shines, especially when delivering a captivating speech involving a skull—a wild, profane twist on Hamlet's "poor Yorick" meditation.)
The problem, though, has to do with the drastic shift in tone between Part I and Part II: basically, when Candie shows up, out goes Jim Croce, to be replaced with extended scenes of slaves fist-fighting to the death, extended scenes of slaves being fed to dogs, and hyper-extended of people getting shot up. These scenes were so extended, in fact, that I started to wonder if Tarantino was critiquing the violence or exploiting it.
Hey, I'm not saying that a little tonal inconsistency is a bad thing. Shakespeare has some funny moments in his tragedies and some sad undertones in his comedies. Judd Apatow can write raunchy comedic scenes with the best of 'em, but all of his movies have a heart as well. That's not what's going on in Django Unchained, which abruptly changes into a completely different movie for the last hour-and-a-half.
The thing is, Tarantino is even inconsistent with his inconsistencies. Near the end (and this doesn't spoil anything, I hope), Django shoots Candie's sister, Lara Lee, and she literally goes flying off the screen. Obviously, this is played for laughs– which is fine, except that this came after a long, bloody, graphic, non-laughable shoot-'em-up. I don't know if you can have both.
Ultimately, because of the schizophrenic tone, I think there's a "whole not as great as the sum of its parts" thing going on with Django Unchained. It's not a bad movie; in fact, if they cut down on some of the really gruesome scenes, it's a combination two potentially good movies. Just not one great movie. (Or should I say "djust not one great movie"?)


text:
Bord Bia
The Bord Bia/Irish Food Board website sets out the range of marketing services we offer for Irish manufacturers who supply Irish food and amenity horticulture products through various customers to make them available to consumers around the world.
Starting a Food Business?
Entrepreneurs with ambitious export targets might be interested in the Food Works programme that is run in conjunction with Enterprise Ireland and Teagasc. This programme starts in April each year and provides a structure to explore your idea and develop it to a business plan designed to secure external investment.
Bord Bia has a dedicated site, Vantage, for smaller food businesses that will also be useful to those considering starting a food business. As well as describing the role of the different agencies that can assist such enterprises, it also has plenty of advice on marketing your food business.
Whether you are considering starting a food business or are in the early stages, you might be interested in the Food Academy which was launched last year in conjunction with the City and County Enterprise Boards and Musgraves and is described on our Vantage web site. Many of these are accessible from your Local Enterprise Office through our Food Academy programme.
Finally, Bord Bia's Inquiry Service can help you identify marketing information that is pertinent to the development of your new business. Use our Enquiry Form to submit a request and we'll see how we can help.
Listing Details
- Clanwilliam Court, Lower Mount St., Dublin 2, Republic of Ireland
- + 353 1 668-5155
- + 353 1 668-7521
- 1091
- 442


text: Freedom Arms Model 83 Premier .475 Linebaugh 4 3/4" Round Butt NIB For Sale from SMJ SPORTS | Positive feedback: 100% View | Verified Seller | 246 Completed Sales View Sellers Items /UserImages/699/963795423 11557277.jpg /UserImages/699/963795423 11557278.jpg /UserImages/699/963795423 11557279.jpg /UserImages/699/963795423 11557280.jpg /UserImages/699/963795423 11557281.jpg /UserImages/699/963795423 11557282.jpg Description: Freedom Arms Model 83 Premier.475 Linebaugh with 4 3/4" barrel. Round Butt grip with black Micarta grips, Factory action job with 3lb trigger , Express rear sight with gold bead front,100% new in box with full factory warranty. ADD 3% for credit cards, shipping is 35.00( 260 409 9828) Read More Condition: New In Box Caliber: .475 (all) Location: IN Trades Accepted: Quality Browning trades considered. Read More SMJ SPORTS prices reflect a 3% cash discount that can not be used with visa or mastercard. 260 409 9828 ,shipping cost is for lower 48.AK and HI would be actual cost Shipping Notes: See Description Read More Share Item Item #: 963795423 Stock No.: 3032 SMJ SPORTS Seller Since: Feb. 2004 Seller Level: Trusted Seller This seller is an FFL City: COLUMBIA CITY State: IN Phone: 260-396-2349 Price: $2,965.00 Buy It Now Add To Cart Please Login/Register to Order Login or Register to buy Shipping: $35.00 (or Arrange local transfer) Accepted Payment Methods: Returns: 3 Days Send Message to SMJ SPORTS You must login or register to send a message to this seller. Contact Seller as Guest Message To Seller Email * That Email Address is already in use. If you typed your email correctly, you are already registered and you should login or click here for the password recovery system. First Name * Last Name * Phone * Address 1 * Address 2 City * State * -State- AK AL AR AZ CA CO CT DC DE FL GA GU HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VI VT WA WI WV WY Zip * Already have an account? Login Your Recently Viewed Items


text:
Martha has prepared thousands of delicious desserts for readers, audiences, and guests. We wondered: Which are her absolute favorites? We asked, she answered. Learn just which cookies, cobblers, and cakes she adores.
This recipe comes from Martha's daughter Alexis. Unlike traditional recipes, the batter produces very flat and crisp chocolate-chip cookies. Use an ice-cream scoop to ensure even baking and uniform size and remember that they spread wide on the pan during baking.
A classic lemony flavor; a chewy texture; and glistening, crackly tops created with a double sprinkling of sanding sugar--these large cookies have it all.
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Fireworks Cookies
Martha likes the beautiful drawn icing decoration on these patriotic cookies.
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Sable Cookies
These delicate, crumbly cookies hail from France's Normandy region and are delicious plain, dipped in dark chocolate, or sandwiched with jam. Once you have a handle on the basic recipe, try adding almonds, orange zest, or other flavorings. This recipe is adapted from Martha's book "Entertaining."
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Fudgy Brownies
Doesn't everyone love a brownie? And Martha likes hers fudgy rather than cakey.
Swipe here for next slide
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Brown-Butter Toffee Blondies
This is a wonderful variaton on the blondie, the brown butter gives an extra-rich toffee flavor. We used card-suit cookie cutters to shape the blondies into hearts, clubs, diamonds, and spades.
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Zesty Lemon Bars
Light and brightly flavored, this classic bar cookie is one of Martha's all-time favorites.
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Basic Crepes
This recipe can be used as the basis for any crepe creation. The buckwheat variation has a slightly heartier texture and a more robust flavor. It's best paired with savory fillings. See our Basic Crepe How-To for more photos.
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Red Velvet Cupcakes
With its distinctive look, this popular cupcake is a top contender for favorite flavor.
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Classic Cheesecake
A crumbly graham-cracker crust and silky cream-cheese filling make this New York-style cheesecake a winner.
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These light, tender layers, made from the ultimate white cake recipe, are interspersed with tart lemon curd and surrounded by fluffy clouds of meringue-based peaks of Seven-Minute Frosting.
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Coconut Layer Cake
This towering creation of tender sour-cream cake, coconut filling, and piles of fluffy frosting is the last word in coconut.
Much more sophisticated than the average carrot cake, this tall layered confection is altogether irresistible.
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Edward Kostyra's Birthday Cake
This orange-curd-filled cake topped with Mrs. Milman's chocolate frosting was Martha's father's favorite. Make it as a birthday treat for someone special in your life.
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Classic Angel Food Cake
Martha likes angel food cake served with an elderflower syrup. You'll need to plan ahead to make it: Allow at least two days for the elderflower syrup to sit at room temperature before starting the cake.
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This devilishly delicious all-occasion cake recipe was adapted from "Martha Stewart's Baking Handbook," and the frosting recipe is courtesy of Matt Lewis of Baked.
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Cream Cheese Pound Cake
This rich, creamy cake recipe, from chef David Waltuck, tastes delicious unembellished, but you could also try it dusted with confectioners' sugar and topped with a berry compote or poached peaches and whipped cream.
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Sour Lemon Cake
A tart treat from "Martha Stewart's Christmas" that makes a thoughtful food gift -- that is if you can resist eating it yourself.
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Mile-High Apple Pie
Flaky pate brisee pastry encases three different kinds of apples in this favorite pie, and it tastes even better the day after it has been baked.
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Mile-High Lemon Pie
This whimsical pie sets the bar high for taste and appearance: It has a zesty lemon filling -- Martha's favorite -- a flaky pate brisee base, and a glossy Swiss meringue crown.
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New York Crumb Cake
Martha likes this recipe for New York Crumb Cake from Sara Foster, owner of Foster's Markets in the Raleigh-Durham area of North Carolina.
Fill these puffs with pastry cream and top with a maple-espresso glaze -- or use the shells to make larger versions of our delicious profiteroles dessert. This recipe was adapted from a version in "Entertaining."
Watch Martha make pate a choux.
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Peach-Blueberry Cobbler
Fresh peaches and blueberries are baked beneath a fluffy layer of vanilla-cream biscuits. The tops are brushed with heavy cream and sprinkled with sanding sugar for a crispy-sweet crunch.
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Rhubarb Upside-Down Cake
This beautiful cake has a crumb "topping" that actually ends up on the bottom. Each bite has a surprisingly crunchy texture.
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Sour-Cherry Pistachio Crisp
A crisp is a baked concoction of sweetened fruit with a crumbly topping. Ours has more than a pound and a half of pitted sour cherries. Some debate whether the topping should include oats. Ours does, plus pistachios and the traditional brown sugar, butter, and flour. There's no disputing the results: tangy, sugary fruit and lots of crunch.
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Pear Brown Bettys
A spiced fruit dessert with buttered breadcrumbs or cake-crumb topping that turns golden brown as it cooks. Who was Betty? No one seems to know. Our individual Bettys have two layers of Bartlett pears. In between and on top is a blend of torn sourdough bread, butter, sugar, ginger, cinnamon, nutmeg, and a splash of apple cider.
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Apricot-Almond Cobbler
A classic cobbler is a fruit dessert with a thick top layer of crust. In this version, spiced apricot wedges are arranged atop a toasted-almond batter. Baking puffs up the cake, so only bits of fruit peek through.
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Rhubarb-Berry Crumbles
This dessert has British origins: a crumble is a blend of berries or other fruit with a textured sugary topping, often with oats, the result is all but synonymous with a crisp. Our individual servings include rhubarb, strawberries, and raspberries nestled under an oatless blend of butter, brown sugar, flour, salt, and grated orange zest.
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Plum-Nectarine Buckle
A buckle is a decadent dessert hybrid: cakelike cobbler with a crumble topping.
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Apple-Raisin Pandowdy
Usually sweetened with brown sugar or molasses, a pandowdy is a fruit dessert that's closely related to a pie though without the bottom crust. Its pastry top is broken with a spoon halfway through cooking so the collapsed bits soak up the juices and soften. For ours, we used brown sugar and apples and raisins laced with cardamom and allspice.
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Berry Grunt
A classic grunt is a dumpling-topped fruit dessert that's cooked on the stove; it is often called a slump. Our grunt has blackberries and raspberries that simmer together. Then dollops of ginger-spiked dumpling batter are added to the pan, to steam in berry juice. Give everyone a dumpling and a splash of heavy cream.
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Brioche Loaves
A rich, buttery loaf like this is wonderful with morning coffee and it can also be used to make a really decadent French toast.
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Strawberry Shortcake
Strawberry shortcake is often cited as the single most popular dessert across the country, and for good reason. The combination of sugared fresh fruit, sweet biscuit, and whipped cream makes for a delightful jumble of contrasting tastes, textures, and flavors in every spoonful.


text:
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Independent Advice
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Estate Planning
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Probate (estate administration)
It is the responsibility of the Executors appointed in a Will to administer the Estate, but there is more to the role than many people realise. The moment the Testator
the person who has made a the will or given a legacy.
dies, the role of the Executor(s)
person or institution appointed by a testator to carry out the terms of their will.
begins and there are some very important initial duties
Securing the assets. They are now legally responsible for the assets of the Testator and may need to secure the property and belongings e.g. change the locks on the property, switch off utilities etc.
Insure the assets .They must ensure that the house and contents are insured.
Arrange the funeral, which is an Executor duty, but normally involves the family
Assess the death estate assets & liabilities
Calculate whether there is an Inheritance Tax Liability, complete the relative forms, agree with HMRC and arrange to pay HMRC.
Arrange for the Grant of Probate, which gives legal authority to the executors to deal with the Estate
Call in assets
Pay debts and liabilities
Complete Estate Accounts
Distribute the estate according to the Will
Sadly many family members are appointed as executors in Wills and have no idea of the responsibility and often do not know they have been appointed in the Will until the Testator dies. The great news is that Executors who do not feel able to complete the role can appoint us to deal with the estate administration taking away the burden when many are grieving.


text: A documentary about Stoker's classic novel was made to commemorate his (death) anniversary in 2012. It's very good, but has yet to be shown on TV. However, the rough cut is on YouTube and you can watch it free of charge! I've decided to upload the third segment, firstly because each bit pretty much can stand alone (if you know the novel), but mainly because it features Tina Rath, PhD, renowned vampire expert, Queen Victoria lookalike, and sometime contributor to ST. Tina appears at around 8'30.


text:
Stock Investing
What is your advantage?Written by George Traganidas Topics: Habits, Stock Investing, Wealth Building
Investing is a zero sum game. For each investor that is buying a security because he thinks that it is undervalued, another investor is selling the same security because she thinks that it is overvalued. This difference in opinion is what makes the market. If everyone wants to buy or sell the same security at the same time, there would be no one to take the other side of the trade and there would be no market.
Therefore, the most important concern for an investor is to consider who is at the other side of the trade.[…]
(0 comments)
2016 Annual Berkshire Hathaway Shareholder's MeetingWritten by George Traganidas Topics: Presentations, Stock Investing, Wealth Building
Berkshire Hathaway held its 51st shareholder's meeting in Omaha on Saturday 30th of April. This was the first year that the meeting was also broadcast live through Live Feed Video and it will be available for 30 days after the meeting. This caused a drop in the number of people who attended the meeting this year in Omaha, because they could watch the event from home.
Here follow my notes from the meeting. The notes will not cover all the topics and they are my attempt to summarise their most important points.[…]
(0 comments)
Value investor's guide to company valuationWritten by George Traganidas Topics: Books, Stock Investing
The job of an investor in the stock of a company is to estimate a fair value for the company and then determine if the stock is trading for more or less than that price in the market. Buying companies for less than they are worth in the market is the basis of value investing. This style of investing became popular with Benjamin Graham and many people continue to practice it with success.
This post is based on the teachings of Bruce Greenwald. Bruce Greenwald is a professor at Columbia University's Graduate School of Business and he holds the post that Benjamin Graham did. Bruce continues to teach company valuation based on the principles that Ben pioneered. The information in this post is drawn from Bruce's lectures in Columbia, his book "Value Investing: From Graham to Buffett and Beyond" and from various presentations and talk he gave.[…]
(0 comments)
Security Analysis by Ben GrahamWritten by George Traganidas Topics: Books, Stock Investing, Wealth Building
Ben Graham published the second edition of Security Analysis in 1940 and many investors still consider it one of the best investment books ever written. The book is about 800 pages long and by no means is an easy read. This has discouraged a lot of people from reading the book and learning from the "father of security analysis". The book does a great job of laying out the investment philosophy of Ben Graham and how to think about investments and businesses. He outlines principles about investing in bonds, preferred shares, warrant and common stocks and uses a lot of examples from companies in that era to demonstrate his thinking.[…]
(0 comments)
Business MoatsWritten by George Traganidas Topics: Stock Investing, Wealth Building
One of the tasks of an analyst who is evaluating a business is to think about the moat of the business. But what is a moat? A simple way to think about moats is to imagine that the business is a castle and the moat it what surrounds the business and keeps other businesses at bay. Every business has a moat, but the difference is the size and the durability. Some businesses have narrow moats and other have wide ones. Some business moats are shrinking as time goes by, whereas others are widening. Ideally an analyst wants to find a business with a wide moat that keeps widening. One of the characteristics of the capitalist system is that a profitable business will attract more and more competitors and these competitors will test your moat repeatedly. Thus, the more successful a business is the harder it is to keep being successful and widen its moat. […]
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What makes Berkshire Hathaway special?Written by George Traganidas Topics: Stock Investing
This years shareholder's letter included for the first time a piece that was written by Berkshire Hathaway's vice-chairman Charlie Munger. In his letter Charlie, reversed engineered the culture of Berkshire; how it operates and how it is run. He explains that all this was not based on any grand design or blueprint that Warren devised 50 years ago, but something that grew organically. Here is what Charlie has to say:
The management system and policies of Berkshire under Buffett (herein together called "the Berkshire system") were fixed early and are described below:
(1) Berkshire would be a diffuse conglomerate, averse only to activities about which it could not make useful predictions.[…]
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Investment advice from Warren BuffettWritten by George Traganidas Topics: Personal Finance, Stock Investing, Wealth Building
A lot of people are still wondering where they should invest their money. Should they buy some stocks or are they too risky and they should invest in bonds instead. In his speeches and writings Warren Buffett has always said that a diversified portfolio of American businesses will provide the best long term results as long as the investor buys and holds wonderful businesses for the long term. His approach is simple so anyone can follow it and it delivers results with minimum supervision over the investments and minimum loss of sleep. He has followed his own advice and over 50 years it has helped him to build Berkshire Hathaway into a successful holding company. He is a man who follows his own advice. […]
(1 comment)
2015 Annual Berkshire Hathaway Shareholder's MeetingWritten by George Traganidas Topics: Presentations, Stock Investing, Wealth Building
This time every year thousands of people from all over the world are gathering in Omaha to hear the words of Warren Buffett and his partner Charlie Munger. This year the crowd was about 44,000 people and they were not disappointed. The meeting started at 8:30 with the annual movie and at about 9:00, Warren and Charlie started the Q&A session. They answered question for about six hours on every topics. As always no questions were off limit.
Here follow my notes from the meeting. The notes will not cover all the topics and they are my attempt to summarise their most important points. […]
(0 comments)
Who will succeed Warren Buffett?Written by George Traganidas Topics: Stock Investing
This is the question that many shareholders are asking every year. Berkshire Hathaway has grown from a small textile company to the 4th largest US company under the leadership of Warren Buffett and his partner Charlie Munger. Now, a lot of people fear that when the two great leaders are not running the company any more, this great story will come to end, because in many people's eyes Berkshire Hathaway is Warren Buffett. This is a valid concern. Or is it not?
As Charlie once said, when asked about the future of Berkshire, "If your main concern in life is who will succeed Warren then you have any easy life". […]
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2014 Berkshire Hathaway Annual Shareholder meeting notes and moreWritten by George Traganidas Topics: Presentations, Stock Investing, Wealth Building
On Saturday 3rd of May I joined almost 38,000 other "students" to attend the master class for investors that is the Berkshire Hathaway annual meeting. People started queuing at 2:30 am on Saturday in order to get a front seat to listen to Warren Buffett and his partner Charlie Munger. A student was paid $100 to start queuing at 3:00 am for a shareholder who arrived at 7:00 am to take his place in the line. As per usual, Warren Buffett and his long time business partner Charlie Munger sat on stage in Omaha, Nebraska, for over five hours answering questions from reporters, financial analysts, and Berkshire shareholders. Many shareholders had travelled great distances to be part of the weekend.[…]
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Lessons from Warren Buffet's 2014 letter to shareholdersWritten by George Traganidas Topics: Property Investing, Stock Investing, Wealth Building
On Saturday 1st of March, Warren Buffet released his 2013 annual letter to shareholders of Berkshire Hathaway. As always his letter is a great read, because it does not only tell you about his company but also gives general advice on investments and finance. He has been helping people for years to better understand the investment process and what they should look for and what to avoid. His insights on how to value companies are priceless. In addition, he sometimes gives general finance advice to help people who are not investment professionals themselves and they just want to look after their wealth and grow it.[…]
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How to value a businessWritten by George Traganidas Topics: Stock Investing, Wealth Building
There seems to be a lot of confusion and discussion on how to value a business and determine what is a fair price to pay. If you are wondering whether to buy a share or the whole business you must be able to answer a simple question. How much is the value of the business and is the current price fair? After all a stock is part ownership of a business.
So let's start from the beginning. Valuing a business is an eight step process and it takes time and effort.[…]
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Berkshire Hathaway shareholders meeting 2012Written by George Traganidas Topics: Seminars, Stock Investing, Wealth Building
Last weekend I went to Omaha for the annual Shareholders meeting of Berkshire Hathaway. It was an opportunity to see and hear Warren Buffet and Charlie Munger speak live and answer questions for more than 5 hours. It is a great experience and really well worth it.
On Friday evening, there were welcome drinks with food and a live band at Borsheims. It attracted a big crowd and it was a great place to socialise and meet fellow shareholders. Some of them have been going to the annual meeting for 30 years, but there were also a few that this was the first meeting that they attended.[…]
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Why stocks beat gold and bondsWritten by George Traganidas Topics: Articles, Stock Investing, Wealth Building
By WARREN E. BUFFETT
Published: February 9, 2012
Investing is often described as the process of laying out money now in the expectation of receiving more money in the future. At Berkshire Hathaway (BRKA) we take a more demanding approach, defining investing as the transfer to others of purchasing power now with the reasoned expectation of receiving more purchasing power — after taxes have been paid on nominal gains — in the future. More succinctly, investing is forgoing consumption now in order to have the ability to consume more at a later date.
From our definition there flows an important corollary: The riskiness of an investment is not measured by beta (a Wall Street term encompassing volatility and often used in measuring risk) but rather by the probability — the reasoned probability — of that investment causing its owner a loss of purchasing power over his contemplated holding period. Assets can fluctuate greatly in price and not be risky as long as they are reasonably certain to deliver increased purchasing power over their holding period. And as we will see, a nonfluctuating asset can be laden with risk.[…]
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Howard Marks Investing Ideas, part 4Written by George Traganidas Topics: Stock Investing, Wealth Building
The "know" and "don't know" schools
The "I know" school people believe they can discern what the future holds, and in their world investing is a simple matter:
- First you decide what the economy is going to do in the period under consideration.
- Then you figure out what the impact will be on interest rates.
- From this you infer how the securities markets will perform.
- You choose the industries that will do best in that environment.
- You make judgments about how the industries' companies will fare in terms of profits.
- Based on all of this information, you pick stocks that are bound to appreciate.[…]
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Howard Marks Investing Ideas, part 3Written by George Traganidas Topics: Stock Investing, Wealth Building
A bit above average performance is not that bad if you can consistently do it for many years. You do not need to swing for the fences in order to achieve long term gain. If you are willing to take huge bets on assets to gain the spectacular results you should be ready to fail some times and then have huge losses. That will give you an average return over the years, unless of course you can be right about the future most of the times. Not an easy task to accomplish.[…]
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Howard Marks Investing Ideas, part 2Written by George Traganidas Topics: Stock Investing, Wealth Building
Telling the future
Making market forecasts on a consistent basis is not an easy thing. Many people try and none succeed on it. If you are always crying 'wolf' then at some point you will be right, but that does not tell us about your ability to forecast market movements. A useful market forecast is only useful if it is in contrary to popular belief. If everyone predicts it then this is already reflected in the price of assets. […]
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Howard Marks Investing Ideas, part 1Written by George Traganidas Topics: Stock Investing, Wealth Building
When the world's self-made billionaires speak it is good to listen. Then when you find out who they follow on a regular basis, maybe you should look at them too. This is how I learned about Howard Marks. Howard is the chairman of Oaktree since 1995. His approach to money management is based on a simple motto: "if we avoid the losers, the winners will take care of themselves". His memos to clients are a must read for investors. Here are some pieces of advice taken directly from his memos.[…]
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"Common Stocks and Uncommon Profits" by Philip A. FisherWritten by George Traganidas Topics: Books, Stock Investing, Wealth Building
Philip Fisher was in investor for many years and he was a very successful one. In his book "Common Stocks and Uncommon Profits" he outlines some of his ideas that have helped him to be a successful investor.
He regularly used to go out on the field and speak with employees of the companies, with suppliers, competitors and the management and was able to gather valuable information from them. Of course, he did a lot of preparation work before he went to the meetings to show to people that he was a serious investor.
Here are 15 points that he was looking for in companies that he wanted to invest in. Many of them are more difficult to quantify than a simple P/E ratio, but none the less very important.[…]
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A Lesson on Elementary, Worldly Wisdom As It Relates To Investment Management & BusinessWritten by George Traganidas Topics: Presentations, Stock Investing, Wealth Building
Charles Munger
USC Business School
I'm going to play a minor trick on you today – because the subject of my talk is the art of stock picking as a subdivision of the art of worldly wisdom. That enables me to start talking about worldly wisdom – a much broader topic that interests me because I think all too little of it is delivered by modern educational systems, at least in an effective way.
And therefore, the talk is sort of along the lines that some behaviorist psychologists call Grandma's rule after the wisdom of Grandma when she said that you have to eat the carrots before you get the dessert.[…]
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Warren Buffett's Business Evaluation FiltersWritten by George Traganidas Topics: Stock Investing, Wealth Building
At a press conference in 2001, when Warren Buffett was asked how he evaluated new business ideas, he said he used 4 criteria as filters.
- Can I understand it (Is it predictable. Do I have a reasonable probability of being able to assess where the business will be in 10 years)?[…]
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Charlie Munger Investment Principles ChecklistWritten by George Traganidas Topics: Stock Investing, Wealth Building
I finished reading "Poor Charlie's Almanack" that details the thinking principles of Charlie Munger about investments and life in general. The book is an amazing read, because it shows how Charlie thinks about problems using many different ways. This helps him to avoid the "Man with a hammer" syndrome and allows him to see other aspects of problems and try many different ways to solve them.
The book contains all his talks, lectures and public commentary.[…]
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Dollar Cost AveragingWritten by George Traganidas Topics: Stock Investing, Wealth Building
A lot of people are trying to time the market, but very few are able to do it consistently. The old advice of buy low and sell high is not that easy to implement and many people end up doing the exact opposite. An easy way to invest in the stock market is dollar-cost averaging. Here is a helpful post from fool.com that explain how it works:
Let's begin with a definition. Dollar-cost averaging is a fancy term for periodic investments of fixed sums of money. Simply put, dollar-cost averaging involves investing a set amount of cash ($100, $500, $1,000) at regular intervals (monthly, quarterly, yearly) into a stock, a group of stocks or a fund. The key to its success is consistency. Investing the same amount each time on a set schedule can really help grow your portfolio over time.[…]
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Enterprise ValueWritten by George Traganidas Topics: Stock Investing, Wealth Building
When you are evaluating a company you need many tools that will help you to look at the company in different ways. One such tool is enterprise value. Here is a very good article from fool.com that explains what it is:
When trying to determine the value for a given company, a metric that many investors use religiously is market capitalization, better known by the shortened, slightly sassier term "market cap." It's simple enough to figure out — all you do is multiply the company's shares outstanding by its current share price.[…]
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The Art of Stock Valuation, part 1Written by George Traganidas Topics: Stock Investing, Wealth Building
When you are looking to invest your money in the stock market you need to go through thousands of companies and decide which ones will prosper in the future and which ones will not. The way to decide which ones will prosper is more of an art than it is science. Unfortunately, there is no secret formula for this although many people have tried unsuccessfully to create one that will work over the years. Many of these theories have been created based on mathematical models and all of them failed in due course.
This series of posts will look at people who have been successful at picking prosperous businesses over the years and will try to reverse engineer their successful approach. We will look at both quantitative and qualitative measures that can be used to evaluate companies. The data available for each of these companies is so vast that we need to sort through it, ignoring the noise and concentrate on the key metrics that really matter.[…]
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Learn from Warren Buffett's personal portfolioWritten by George Traganidas Topics: Articles, Stock Investing
I read an article the other day by Robert Miles on the website of Morningstar that talked about the personal portfolio of Warren Buffett. That is the stocks that Warren has in his name and not under Berkshire Hathaway. I include here the major points from this article:
Buffett's private portfolio represents less than five percent of his net worth, but that five percent is substantial by anyone's measure–with a recent value of $1.8 billion. Certainly worth paying attention to.
This also answers the question often asked, "How does Warren Buffett live on a salary of $100,000 per year, with one of the lowest CEO compensation packages among the Fortune 500 companies?"[…]
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Charlie Munger on How to Get RichWritten by George Traganidas Topics: Habits, Stock Investing
1. Measure risk
All investment evaluations should begin by measuring risk, especially reputational.
In 2003-2007, investors loved banks because they were big and made lots of money. What few asked was how much risk they were taking on. Those who properly analyze how much risk the run-ups have added will end up happiest.
2. Be independent
Only in fairy tales are emperors told they're naked.
Maybe the hardest part of investing is that the greatest odds of being right come when most think you're wrong, and vice versa.[…]
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How We Can Restore ConfidenceWritten by George Traganidas Topics: Articles, Stock Investing
The Washington Post
By Charles T. Munger
February 11, 2009
Our situation is dire. Moderate booms and busts are inevitable in free-market capitalism. But a boom-bust cycle as gross as the one that caused our present misery is dangerous, and recurrences should be prevented. The country is understandably depressed — mired in issues involving fiscal stimulus, which is needed, and improvements in bank strength. A key question: Should we opt for even more pain now to gain a better future? For instance, should we create new controls to stamp out much sin and folly and thus dampen future booms? The answer is yes.[…]
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Basically, It's OverWritten by George Traganidas Topics: Articles, Stock Investing
By Charles Munger
Sunday, Feb. 21, 2010
In the early 1700s, Europeans discovered in the Pacific Ocean a large, unpopulated island with a temperate climate, rich in all nature's bounty except coal, oil, and natural gas. Reflecting its lack of civilization, they named this island "Basicland."
The Europeans rapidly repopulated Basicland, creating a new nation. They installed a system of government like that of the early United States. There was much encouragement of trade, and no internal tariff or other impediment to such trade. Property rights were greatly respected and strongly enforced. The banking system was simple. It adapted to a national ethos that sought to provide a sound currency, efficient trade, and ample loans for credit-worthy businesses while strongly discouraging loans to the incompetent or for ordinary daily purchases.[…]
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Mr. Buffett on the Stock MarketWritten by George Traganidas Topics: Articles, Stock Investing
By Warren Buffett
November 22, 1999
The most celebrated of investors says stocks can't possibly meet the public's expectations. As for the Internet? He notes how few people got rich from two other transforming industries, auto and aviation.
Warren Buffett, chairman of Berkshire Hathaway, almost never talks publicly about the general level of stock prices–neither in his famed annual report nor at Berkshire's thronged annual meetings nor in the rare speeches he gives. But in the past few months, on four occasions, Buffett did step up to that subject, laying out his opinions, in ways both analytical and creative, about the long-term future for stocks. FORTUNE's Carol Loomis heard the last of those talks, given in September to a group of Buffett's friends (of whom she is one), and also watched a videotape of the first speech, given in July at Allen & Co.'s Sun Valley, Idaho, bash for business leaders. From those extemporaneous talks (the first made with the Dow Jones industrial average at 11,194), Loomis distilled the following account of what Buffett said. Buffett reviewed it and weighed in with some clarifications.[…]
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Who Really Cooks the Books?Written by George Traganidas Topics: Articles, Stock Investing
The New York Times
By Warren E. Buffett
Published: July 24, 2002
OMAHA— There is a crisis of confidence today about corporate earnings reports and the credibility of chief executives. And it's justified.
For many years, I've had little confidence in the earnings numbers reported by most corporations. I'm not talking about Enron and WorldCom — examples of outright crookedness. Rather, I am referring to the legal, but improper, accounting methods used by chief executives to inflate reported earnings.
The most flagrant deceptions have occurred in stock-option accounting and in assumptions about pension-fund returns. The aggregate misrepresentation in these two areas dwarfs the lies of Enron and WorldCom.[…]
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Fuzzy Math And Stock OptionsWritten by George Traganidas Topics: Articles, Stock Investing
The Washington Post
By Warren Buffett
Tuesday, July 6, 2004
Until now the record for mathematical lunacy by a legislative body has been held by the Indiana House of Representatives, which in 1897 decreed by a vote of 67 to 0 that pi — the ratio of the circumference of a circle to its diameter — would no longer be 3.14159 but instead be 3.2. Indiana schoolchildren momentarily rejoiced over this simplification of their lives. But the Indiana Senate, composed of cooler heads, referred the bill to the Committee for Temperance, and it eventually died.
What brings this episode to mind is that the U.S. House of Representatives is about to consider a bill that, if passed, could cause the mathematical lunacy record to move east from Indiana. First, the bill decrees that a coveted form of corporate pay — stock options — be counted as an expense when these go to the chief executive and the other four highest-paid officers in a company, but be disregarded as an expense when they are issued to other employees in the company. Second, the bill says that when a company is calculating the expense of the options issued to the mighty five, it shall assume that stock prices never fluctuate.[…]
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10 Ways To Get RichWritten by George Traganidas Topics: Articles, Habits, Personal Finance, Stock Investing
By Warren Buffett
published: 09/07/2008
With an estimated fortune of $62 billion, Warren Buffett is the richest man in the entire world. In 1962, when he began buying stock in Berkshire Hathaway, a share cost $7.50. Today, Buffett, 78, is Berkshire's chairman and CEO, and one share of the company's class A stock is worth close to $119,000. He credits his astonishing success to several key strategies, which he has shared with writer Alice Schroeder. She spent hundreds of hours interviewing the Sage of Omaha for the new authorized biography The Snowball. Here are some of Buffett's money-making secrets—and how they could work for you.
1. Reinvest your profits
When you first make money, you may be tempted to spend it. Don't. Instead, reinvest the profits. Buffett learned this early on. In high school, he and a pal bought a pinball machine to put in a barbershop. With the money they earned, they bought more machines until they had eight in different shops. When the friends sold the venture, Buffett used the proceeds to buy stocks and to start another small business. By age 26, he'd amassed $174,000—or $1.4 million in today's money. Even a small sum can turn into great wealth.[…]
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Buy American. I Am.Written by George Traganidas Topics: Articles, Stock Investing
New York Times
By WARREN E. BUFFETT
Published: October 16, 2008
The financial world is a mess, both in the United States and abroad. Its problems, moreover, have been leaking into the general economy, and the leaks are now turning into a gusher. In the near term, unemployment will rise, business activity will falter and headlines will continue to be scary.
So … I've been buying American stocks. This is my personal account I'm talking about, in which I previously owned nothing but United States government bonds. (This description leaves aside my Berkshire Hathaway holdings, which are all committed to philanthropy.) If prices keep looking attractive, my non-Berkshire net worth will soon be 100 percent in United States equities.[…]
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The Greenback EffectWritten by George Traganidas Topics: Articles, Stock Investing
New York Times
By WARREN E. BUFFETT
Published: August 18, 2009
In nature, every action has consequences, a phenomenon called the butterfly effect. These consequences, moreover, are not necessarily proportional. For example, doubling the carbon dioxide we belch into the atmosphere may far more than double the subsequent problems for society. Realizing this, the world properly worries about greenhouse emissions.
The butterfly effect reaches into the financial world as well. Here, the United States is spewing a potentially damaging substance into our economy — greenback emissions.[…]
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How to measure investment performanceWritten by George Traganidas Topics: Stock Investing
As investors, it is very important to keep track of our yearly returns. Returns should be compared with a benchmark and our job is to beat the benchmark. If you can not beat the benchmark then it is better to buy it. This will save us money and time in the long run. There are certain things to consider when you measure performance:
1) Define your investment fund
First of all we must know what we measure. For example, assume we have a trading account of £10,000 and we decide to buy 1000 shares of Company X for £5.00 per share. Once we buy the shares, we will have in our account £5,000 in cash and 1000 shares of company X worth 5,000. Now assume that by the end of the year the shares increased in value and they are worth £6.00 per share. We can calculate our return in 2 ways:[…]
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Warren Buffett Investment Lessons, part 7Written by George Traganidas Topics: Stock Investing
How he runs Berkshire Hathaway
In 1992, Warren Buffett say that Berkshire's after-tax overhead costs are under of 1% of reported operating earnings and less than 1/2 of 1% of look-through earnings. In 1996, the after-tax headquarters expense amounts to less than two basis points (1/50th of 1%) measured against net worth.
Warren Buffett does not believe in flexible operating budgets, as in "Non-direct expenses can be X if revenues are Y, but must be reduced if revenues are Y – 5%". In addition, it makes no sense to add unneeded people or activities because profits are booming, or cutting essential people or activities because profitability is shrinking.[…]
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Warren Buffett Investment Lessons, part 6Written by George Traganidas Topics: Stock Investing
Debt and Leverage
Warren Buffett prefers to get finance (debt) in anticipation of need rather than in reaction to it. Warren Buffet has an aversion to debt, particularly the short-term kind. He is willing to incur modest amounts of debt when it is both properly structured and of significant benefit to shareholders.
Warren Buffett does not like leverage. Even if the odds of disaster are 99:1, he does not like them. A small chance of distress or disgrace cannot, in our view, be offset by a large chance of extra returns. If your actions are sensible, you are certain to get good results.[…]
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Warren Buffett Investment Lessons, part 5Written by George Traganidas Topics: Stock Investing
Economic franchises
An economic franchise is a product or service that:
- Is needed or desired
- Is thought by its customers to have no close substitute
- Is not subject to price regulation
The company can regularly price its product or service aggressively and earn high rates of return on capital. Franchises can tolerate mis-management, because the managers might diminish the franchise's profitability but they cannot inflict mortal damage.
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Three suggestions of investorsWritten by George Traganidas Topics: Stock Investing
After many years of investing, Warren Buffett has some suggestions for investors.
First, beware of companies displaying weak accounting. If a company still does not expense options, or if its pension assumptions are fanciful, watch out. When managements take the low road in aspects that are visible, it is likely they are following a similar path behind the scenes. There is seldom just one cockroach in the kitchen.[…]
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The formula for valuing assetsWritten by George Traganidas Topics: Property Investing, Stock Investing
In one of his letters to the shareholders of Berkshire Hathaway, Warren Buffett told them what is the formula to value any assett.
The formula for valuing all assets that are purchased for financial gain has been unchanged since it was first laid out by a very smart man in about 600 B.C. (though he wasn't smart enough to know it was 600 B.C.).
The oracle was Aesop and his enduring, though somewhat incomplete, investment insight was "a bird in the hand is worth two in the bush." To flesh out this principle, you must answer only three questions. How certain are you that there are indeed birds in the bush? When will they emerge and how many will there be? What is the risk-free interest rate (which we consider to be the yield on long-term U.S. bonds)? If you can answer these three questions, you will know the maximum value of the bush ¾ and the maximum number of the birds you now possess that should be offered for it. And, of course, don't literally think birds. Think dollars.[…]
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Warren Buffett Investment Lessons, part 4Written by George Traganidas Topics: Stock Investing
Making the most of an existing strong business franchise is what usually produces exceptional economics. Managers need to protect their franchise, control costs, search for new products and markets that build on their existing strengths and do not get diverted. They need to work exceptionally hard at the details of the business. He advocates leaving management alone to do their job.
When a management with a reputation for brilliance tackles a business with a reputation for bad economics, it is the reputation of the business that remains intact.
Only do business with people that you like, trust and admire.[…]
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Warren Buffett Investment Lessons, part 3Written by George Traganidas Topics: Stock Investing
Be a successful investor
You do not have to make it back the way that you lost it.
I would rather be certain of a good result than hopeful of a great one.
To be successful, concentrate on identifying one foot hurdles that you could step over rather than acquire any ability to clear seven footers. An investor needs to do very few things right as long as he/she avoids big mistakes.
In each case you want to acquire, at a sensible price, a business with excellent economics and able and honest management. Thereafter, you need only to monitor whether these qualities are being preserved.
When carried out capably, an investment strategy of that type will often result in its practitioner owning a few securities that will come to represent a very large portion of his portfolio. This investor would get a similar result if he followed a policy of purchasing an interest in, say, 20% of the future earnings of a number of outstanding college basketball stars. A handful of these would go on to achieve NBA stardom, and the investor's take from them would soon dominate his royalty stream. To suggest that this investor should sell off portions of his most successful investments simply because they have come to dominate his portfolio is akin to suggesting that the Bulls trade Michael Jordan because he has become so important to the team.[…]
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Warren Buffett Investment Lessons, part 2Written by George Traganidas Topics: Stock Investing
Buying a business
Here are the thought of Warren Buffett on what to look for when you are considering buying a business. It must have a good management team, good future economics for the business and the price you pay must be right. The business itself should have the ability to increase prices easily (even when product demand is flat and capacity is not fully utilized) without fear of significant loss of either market share or unit volume. You should be able to accommodate large dollar volume increases in business with only minor addition of investment of capital. The best business to own is one that over an extended period can employee large amounts of incremental capital at very high rates of return.
The following are dismal economic characteristics that make for a poor long-term outlook for a business:[…]
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How to Minimize Investment ReturnsWritten by George Traganidas Topics: Stock Investing
In his Berkshire Hathaway annual report of 2006, Warren Buffet wrote an article that explained how investors were achieving lower returns by employing professional help. Below if the full test.
Over the century American businesses did extraordinarily well and investors rode the wave of their prosperity. Businesses continue to do well. But now shareholders, through a series of self-inflicted wounds, are in a major way cutting the returns they will realize from their investments.
The explanation of how this is happening begins with a fundamental truth: With unimportant exceptions, such as bankruptcies in which some of a company's losses are borne by creditors, the most that owners in aggregate can earn between now and Judgment Day is what their businesses in aggregate earn. True, by buying and selling that is clever or lucky, investor A may take more than his share of the pie at the expense of investor B. And, yes, all investors feel richer when stocks soar. But an owner can exit only by having someone take his place. If one investor sells high, another must buy high. For owners as a whole, there is simply no magic – no shower of money from outer space – that will enable them to extract wealth from their companies beyond that created by the companies themselves.[…]
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Warren Buffett Investment Lessons, part 1Written by George Traganidas Topics: Stock Investing
This is an edited version of a letter Warren Buffett sent some years ago to a man who had indicated that he might want to sell his family business.
Some Thoughts on Selling Your Business
Dear _____________:
Here are a few thoughts pursuant to our conversation of the other day.
Most business owners spend the better part of their lifetimes building their businesses. By experience built upon endless repetition, they sharpen their skills in merchandising, purchasing, personnel selection, etc. It's a learning process, and mistakes made in one year often contribute to competence and success in succeeding years.
In contrast, owner-managers sell their business only once — frequently in an emotionally-charged atmosphere with a multitude of pressures coming from different directions. Often, much of the pressure comes from brokers whose compensation is contingent upon consummation of a sale, regardless of its consequences for both buyer and seller. The fact that the decision is so important, both financially and personally, to the owner can make the process more, rather than less, prone to error. And, mistakes made in the once-in-a-lifetime sale of a business are not reversible.[…]
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"The Snowball: Warren Buffett and the Business of Life" by Alice SchroederWritten by George Traganidas Topics: Books, Habits, Personal Finance, Stock Investing
This is a great book for anyone who is interested to invest in the stock market and run a business. The book describes the life of Warren Buffett from the day he was born up to 2008. The lessons are drawn from both his personal and his professional life.
Warren got involved in a very young age in the process of making money and managing other people's money. When he was a kid he took his sister's money to invest in a stock. This stock went down and everyday his sister would ask him why the stock is down. Warren did not like that experience at all and from that day on he did not want to manage other's people money unless he knew he could do a great job. This gave birth to his first rule of investment "Never lose the money."
You can find a lot of details on his management style in the book and how he pushes his people to get the best out of them.[…]
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"One Up On Wall Street" by Peter LynchWritten by George Traganidas Topics: Books, Stock Investing
This book is one of the classics on stock investments. Peter Lynch was the head of the Magellan Fund in Fidelity Investments from 1977 to 1990 and the fund average was 29.2% return during that period. This is a very impressive return when you consider that the market average is about 11% and that 80% of the fund managers fails to beat the average.
In this book, Peter Lynch shares some of his secrets on how he managed to get this returns and explains how ordinary investors can do the same and achieve higher returns that the professionals. He introduces ideas like the "ten bagger" that refer to an investment which is worth ten times its original purchase price.[…]
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Never sell a stockWritten by George Traganidas Topics: Personal Finance, Stock Investing
One of the biggest challenges that people face when they buy stocks is to decide when to sell them. This decision is as important as deciding which stock to buy. Even Warren Buffet, the legendary buy and hold investor, is selling stocks if he believes that he can find a better place for his capital.
First of all, you should never sell simply because a stock—and the market in general – goes down several percentage points. Selling on this basis alone is an overreaction that usually costs you money in the long run. Don't waste your time on trying to time the market. Instead, you want to know your stocks well enough to be able to recognize which events spell danger and which scream opportunity.
Here, then, are some pointers to help you decide whether to stay the course or sell—for the right reasons:[…]
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How to evaluate the management of a companyWritten by George Traganidas Topics: Stock Investing
One of the most important things to look at before you invest in a company is the quality of the management team. After all, you are buying a part of a company and you want the people who are running it to be of the best quality. Consider four major areas when seeking out top-quality […]
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Invest like Warren BuffettWritten by George Traganidas Topics: Stock Investing
Warren Buffet has been characterised as the greatest investor of all times. He buys great companies in fair values and holds them forever. He is very successful and he has managed to become the wealthiest person on Earth.
There are many people who are wondering how he does this. They are trying to do the same thing as Warren and achieve similar results. One way that this can be done is by buying the same companies he buys at similar prices or better. This is not always easily done, because a lot of times he reveals his positions months after he has done the purchases.[…]
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Has Warren Buffett lost his touch?Written by George Traganidas Topics: Articles, Personal Finance, Stock Investing
It is always useful to see both sides in an argument. This increases your understanding of the situation and hopefully will help you to make better decisions. I have been following Warren Buffett very closely in the last 3 years and I have been reading articles written about him and his investment and management style. Everyone is praising him for being a very good investor and being able to attract great companies.
There is one person though who is betting against him. Who tells that his time is over and he has lost his charm. This person is Doug Kass and the last few months he wrote articles on why Warren is wrong and why his style does not work any more. His articles and reasoning are very interesting. His main point is that his style is not applicable to this new age and following it will cause you to lose money.[…]
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text:
There are days when I get so lazy, that I completely neglect myself. I stop working out, I put aside my facials and hair treatments.
And it shows! My hair loses it's shine, my face becomes dull and lifeless, and er, I become fat!
If you're anything like me, it is important to constantly motivate yourself and remind yourself that you're always loved!
Valentine's day is coming up, and it is the right time to remind yourself of how much you are loved, by yourself. Pamper yourself, and you will see the result of your love!
Here is a facial you can do right at home, alone, with your bff or even the love of your life! And it is using CHOCOLATE! yep, slap it on your face, and I'll show you how.
Keep reading!


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SOL is:
EMIL BRAHE: Lyrics, concept and various instruments.
GUEST MUSICIANS (in no particular order):
Trúa: Vocals, drums, bass, bass synth, noises and drones.
Andreas Hansn: Guitar and synthesizer.
Lotte Mortensen: Bass clarinet, clarinet, saxophone and organ.
Christian Qvortrup: Drums and vocals.
Peter Borre: Guitar and bass.
Kim Jensen: Guitar and bass.
Martin Jacobsen: Guitar.
Kasper Szydlowski: Guitar.
D. Woe: Drums.
Jens Balder: Trombone, tuba and flügelhorn.
Kim Grønborg: Saxophone.
Joaquin Zaragoza: Euphonium.
Thomas Bøjden: Vocals and synthesizer.
Mikkel Reher-Langberg: Clarinet, guitar, violin and dilruba.
Adrian Owen: Vocals.
Olga Goija: Viola.
Julie Boisen: Vocals.
Amalie Andersen: Violin.
Asger Qvortrup: Cello.
Brian Benjamin Hansen: Drums.
Danny Kreutzfeldt: Sound manipulation and samples.
(In case I forgot some, sorry).


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To see the title of an event, hold your mouse/cursor over the time block to view name, and then if interested in learning more about the event, click on the time block to go to the information page for that particular webinar. All times are in Eastern Time Zone.
Below you will find the upcoming events.
Webinar On-Site Event Other


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Ahead of the Curve remains the premier destination for Massage in Blair Nebraska. Hannah Grace has extensive experience and a warm lighthearted personality that makes every visit fun. Visit her profile to see her hours of availability.
30 Minutes – $30.00
30 minutes targets specific problem areas providing a quick fix.
60 Minutes – $50.00
60 minutes provides a full body treatment or a concentrated area.
90 Minutes – $70.00
90 minutes includes all the benefits of a 60 minute massage plus concentration in each muscle.
Hot Stone Massage 90 Minutes – $70.00
Experience the ultimate feeling of stress and muscle tension melting away with a hot stone therapy massage.
Heated stones are applied to specific points on the spine to enhance and improve energy flow. Hot stone therapy massage combines warm stones with a relaxing massage to aide in easing sore and tense muscles, relieving pain from injuries, and helps with relaxation. Let your therapist where your pain points are and Hannah can target them with the perfect amount of heat and pressure.
PreNatal Massage
60 Minutes – $50.00
Also known as a Pregnancy Massage, Prenatal Massage achieves the same goals as a regular massage. It aims to relax and aide in easing sore or tense muscles. However, a pre-natal massage is tailored to specifically fit the needs of a pregnant woman. Constant body changes during pregnancy create some discomforts. A prenatal massage can help relieve discomforts, including low back pain.
Sports Massage
Hannah is also a wonderful solution for athletes suffering from post game soreness or lack of flexibility. This kind of targeted treatment is also highly advised to prepare for sporting events. Certain muscle groups can be focused on to prevent pain and improve flexibility before a sporting event. Speak with Hannah today about your particular needs and she will certainly provide a targeted remedy for you.
Below are some additional massage services available to anyone with soreness or stiff muscles in Blair Nebraska. Call to schedule your appointment.


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Faculty of Arts
Philosophy of the Arts 2
Please note: this is archived course information from 2012 for PHIL 732.
This course considers possible connections between aesthetics, art and our evolved human nature. The key concepts are first introduced and analysed: aesthetics, art, evolution and how they might be connected. The detailed discussion of aesthetics then covers landscape appreciation and how it may have been connected to ancient ways of life, human beauty and its alleged connection with mate selection and the variety of modes of humans' aesthetic appreciation of non-human animals.
Many theories of art are explored in depth. These include theories that group the arts and regard them as together serving some general adaptive function, that present particular art forms each as adaptive in their own distinctive fashion, that attempt to explain the origins of art, that argue that art is not itself adaptive but is a by-product of behaviours or systems that are and that analyse art as a technology not closely connected to evolved behaviours.
As well as philosophical literature on aesthetics and the philosophy of art, reference will be made to work in other disciplines, such as evolutionary psychology, neuroscience, evolution theory, philosophy of biology and art-based disciplines.
Availability 2012
Semester 2
Coordinator(s) Distinguished Professor Stephen Davies
PHIL 732: 15.0 points


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La Parisienne courtyard-view room
From €65 per night Single bed De 1 à 5 personnes City view
Each period (1800s, 1920s or 1970s) has its own style and colours. Throughout the hotel, our La Parisienne courtyard-view rooms beautifully reflect the spirit of Paris, its elegance and energy. The rooms are full of references to these iconic periods, right down to the headboards...
- 1 x Double bed
- Iron and ironing board
- Telephone
- Private bathroom
- Flatscreen TV
- Wireless Internet access
- Alarm
Facilities and services
- Bath
- Huge bathroom with bath and shower


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Rule the Social Media With Our Powerful SMO Sevices
We are into social media marketing and our SMO team is skilled in developing useful interactions to flourish your business. Our SMO experts are familiar with the prospects offered by Facebook, Twitter, LinkedIn and other platforms. Let's face the truth. Nowadays, people spend most of their leisure time on social media. Facebook, Twitter, Google Plus, LinkedIn and Pinterest are the places where your prospective customers are looking for service providers like you. It is time you leverage the full potentials of the popular social media platforms to build valuable connections,promote your offerings amongst them, and increase your website visibility.
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- We create different types of content for efficient promotion. Our SMO experts ensure the content is appealing and informative to motivate your targeted audiences to react.
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We can give you a strong social media presence with a comprehensive approach. You just need to make a call or send an email to get started. Reach us now.


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21" in length, 8 mm Garnet Fire-polished glass beads from the Czech Republic. The front of the centerpiece has the profile of St. Pope Saint John II while the reverse has Our Lady of Czestochowa. The centerpiece measures 3/4" high and 5/8" across. The 1 3/4"" silver oxidized cross was made in Italy.
While each Rosary is lovingly hand-made to high-quality standards, no two Rosaries are exactly alike. Please allow for slight variations in eyepin and/or wire turnings, bead caps or over-all length. Each Rosary has undergone a durability/stress test prior to sale.


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Home |
Bicycles |
Titanium | Prices | Bicycle Offers | Offers | Reviews | FAQs | Media | Contact | Links
Justin really was not happy with the white saddle; so I apologise for the new one with a red stripe and hope I haven't offended his aesthetic sensibilities too much.
If you want someone with fixed ideas and who tells you what you must have then Justin probably isn't your man.
But if you want someone with a lot of patience, who will happily consider most options, who will give impartial advice and guidance based on his own experience but who lets you make up your own mind, then Justin is your man.
I already had a general idea of what I wanted and after meeting Justin, who comes across as a really laid back guy with a love of cycling and real feeling for the bikes he creates, I was happy to work out the details with him and have him build it. A decision I do not regret.
That's not to say he doesn't have some personal preferences; he will probably try to convert you to Campagnolo, carbon fibre is only good for forks because "proper" bicycles are made out of metal and, of course, no white saddles!
And the bike? I just love it. I think it looks a million dollars (in Justin's words, "that white saddle doesn't look too bad after all"); it's light at just over 17lbs (carbon cranks :), is quick and responsive to ride and yet is all day comfortable. I'm always on the lookout for a chance to ride it (the single speed and MTB are gathering dust) but the really sad thing is, I sometimes go into the garage just to sit and look at it!


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Community Group Questions 4/15/12/
Tip of the Week:
[vimeo http://vimeo.com/40181403]
Please share whichever of the following announcements apply to your group:
- Family Dedication
- Kids Ministry is Organizing Family Dedication for Mother's Day
- Get Packet in the back or see Melissa
- Student Summer Camp/Fundraiser
- June 18-22
- Cost is $460
- More details in the bulletin
- Help our students raise the funds to go by buying coupon books
- Books are $20 and can be ordered at the table in the back after the Gathering
- Give 2 great coupon examples that will get money back right away
Sermon Title: Waiting for Figs, Part 1: Are You There, God?
Main Text: Habakkuk 1:1-11
- Habakkuk is complaining to God, saying, "Are you hearing me?" "Are you listening, God?" "Are you even there?"
- God responds telling him that He has not neglected Him. He is working a plan that He wouldn't believe even if it was told Him.
- Later Paul quotes Habakkuk 1:5 in Acts 13:41, and ultimately interprets it to be referring to Jesus. God is preparing a way for Jesus.
- The Background
- Babylon's philosophy is to take people captives and leave them in pockets. So the Jews after they were in captivity created synagogues.
- Persians sent the Jews back to Jerusalem.
- The Greeks hellenised the world, making broad worldwide culture and a worldwide language.
- The Romans created roads all over the world so worldwide travel was possible.
- So when Jesus came to his people who were back in Jerusalem, He sent out His apostles. After Jesus went back to heaven, His disciples left Jerusalem and went on Roman roads to Jewish synagogues all over the world. And they wrote the New Testament in Greek so everyone could read it.
- We have to know what God is capable of. He doesn't bend the knee to the American dream. His first priority is not our health, wealth, success, relational status, retirement, career. He has so much more that He wants for us!
- Because Jesus took all of God's wrath, and He has only love left for us, we know His plan will be for our good.
- We don't know the GOOD God is capable of.
- Application
- When you are trying to be there for someone who is struggling with God
- No bumper sticker answers
- Hurt with them, don't fix them (it's bigger than you can fix)
- When you are questioning God
- Be Real with God
- Be Real with Community
- When you are trying to be there for someone who is struggling with God
Key Questions:
- When you look through Habakkuk 1:1-4 which of those things sound the most frustrating/scary?
- For the context behind Habakkuk, read 2 Kings 21:1-9. What of that description jumps out at you?
- Read Habakkuk 1:5-11, which of these things sound the most terrifying?
- Why do you think we often treat God more like a genie than Creator of the Universe with a sovereign plan?
- What do you think we often feel it is more mature to hide our frustrations from God?
- Why do you think we often avoid community even though we know how much we want and need it?
- What are some not-so-helpful things we sometimes do when trying to comfort a hurting person?
- What are some helpful things we can do to strengthen someone during a tough time?
- Read Habakkuk 1:2-4 again. What are sometimes in your life that you can relate to aspects of Habakkuk's complaint?
- When is a time you have seen how God's plan was worth the pain?
- What can you do to strengthen your faith while you wait for God's plan to unfold?
Don't forget to post your attendance after group.


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Your Young Labour National Committee
You can find out who represents you on Young Labour's National Committee, their contact details, and the latest Officer reports at www.younglabour.org.uk/yourylnc.
Your local Labour Party
To find out what's going on in your area, you can your local Labour Party secretary – their details can be found on the back of your Labour Party membership card.
Your Regional/Scottish/Welsh Labour Office
There is a Labour Party office in every English region and in Scotland and Wales – you can find out how to contact them here: http://www.labour.org.uk/pages/scottish-welsh-and-regional-offices
Labour Party Head Office
You can get in touch with the Labour Party's National Youth Officer by emailing email@example.com
The Labour Party Membership Team
If you've got questions about your Labour Party membership or need to change your details, you can contact the Labour Membership Team at firstname.lastname@example.com or on 0845 092 2299.


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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 NOLA.com user to add photos or videos of Big Poppas Bbq And Seafood
Big Poppas Bbq and Seafood is located at 720 S Orange St, Lafayette, LA. This business specializes in Meats.


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Graduate programs
Check out the graduate opportunities in Australian Government agencies.
Australian Government agencies usually advertise graduate employment opportunities between February and June each year. As well as appearing in the electronic APS Employment Gazette, opportunities will be listed on individual agency websites. Choose from the list below to locate information about Australian Government and individual agency graduate programs:
- Australian Government
- Agriculture
- Attorney-General's
- Communications
- Defence
- Education
- Environment
- Finance
- Foreign Affairs and Trade
- Health
- Home Affairs
- Human Services
- Industry
- Infrastructure and Regional Development
- Jobs and Small Business
- Parliament of Australia
- Prime Minister and Cabinet
- Social Services
- Treasury
Australian Government
- Australian Bureau of Agricultural and Resource Economics and Sciences
- Australian Fisheries Manangement Authority
- Australian Signals Directorate
- Australian Geospatial-Intelligence Organisation
- Defence Materiel Organisation
- Defence Science and Technology
- Veterans' Affairs
Foreign Affairs and Trade
Home Affairs
Human Services
- Australian Nuclear Science and Technology Organisation
- Commonwealth Scientific and Industrial Research Organisation
- Geoscience Australia


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Environmental Sustainability
Companies that are trying to become more sustainable often struggle with the question: how good is good enough? What does it take to become truly sustainable?
Scientists use different definitions of sustainability. Some include economic and social matters, while others focus more on the environment. But even when sustainability is limited to the environment, it is still unclear what constitutes environmental sustainability. Is it about maintaining biodiversity? Is it about the health of ecosystems? And what is the benchmark?
In the business world, several organizations are trying to establish standards to measure sustainability and certify companies accordingly. While there are many standards related to particular activities or products, a single standard that defines what is required for a company to be sustainable is still elusive.
A pragmatic approach towards this issue could be the following. For societies to be environmentally sustainable, i.e. to preserve the resource base and the environment for future generations, three conditions need to be met:
For businesses, these three conditions can be translated into the following challenges:
- Reduce the use of finite resources such as metals and oil-based materials like plastics & chemicals, and find alternatives in less scarce finite materials or renewable, bio-based materials
- Ensure that renewable resources such as water, rubber, wood and paper come from sustainably managed sources
- Reduce greenhouse gas emissions and reduce the use of chemicals (fertilizer, pesticides, industrial chemicals) and other pollutants
Companies face a double challenge: to not only achieve these tasks, but to do so while remaining competitive with other companies who choose to continue unsustainable business practices. Ultimately though, the road towards environmental sustainability is a one-way street, driven by increasing scarcity, government regulations, and customer demand. Getting there first provides competitive advantage: lower cost, lower risks, and a more attractive product offering. To achieve environmental sustainability, companies need to focus on resource effectiveness.
There is a growing body of evidence that suggests that sustainability leads to better financial performance. For example, researchers from Harvard and London Business Schools compared the performance of 90 'high sustainability' companies and 90 'low sustainability' companies over a period of 18 years (1993-2010), and concluded that the former group dramatically outperformed the latter in terms of stock market performance. Similarly, an analysis by the Carbon Disclosure Project of the world's largest 500 companies revealed that companies that demonstrated leadership in disclosure and reduction of greenhouse gas emissions yielded twice the average return between 2005 and 2011.


text: Hope in Motion is Minnesota's National Cancer Survivors Day Celebration. Join us for a 5K Run/Walk, a Kids Challenge, entertainment, inspirational speakers and more! All proceeds from Hope in Motion will benefit Angel Foundation, which supports local adults with cancer and their families by providing emergency financial assistance, education and emotional support.


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Villa Padi
Artistic villa 2 Bedrooms with large pool 5 minutes to Berawa Beach,Canggu - OtherReference ID: VCRH11
This new entry onto the Bali holiday villa rental scene embraces seclusion, relaxation and comfort within a tranquil setting. Surrounded by terraced rice paddies near Berawa Beach on Bali's south-west coast, this intimate estate of 5 private villas is less than 10 minutes from the heart of Seminyak.This exclusive enclave comprises five independent, but inter-connectable one- and two-bedroom private villas, providing a total of nine large bedrooms, garden bathrooms, open-sided living and dining pavilions, well-equipped kitchens, swimming pools, lush tropical gardens and unique local artwork. All villas are fully staffed and include a professional chef and two cooks, who create delicious dishes from a central staff kitchen. Guests also have full, complimentary access to the nearby Canggu Club.
In addition to the two spacious ensuite bedrooms, the villa features a large air-conditioned dining room and integrated, Connected to the dining room via a covered walkway is the beautiful, open-sided living pavilion. The living pavilion is positioned beside the 15-metre pool set within the well-tended tropical gardens. At the far end of the pool is a shady, comfortable bale.
A large, sliding garden wall panel separates each villa from the others, and upon request the staff will open the wall panel to provide a huge garden area with the two swimming pools ideal for family groups requiring four bedrooms and plenty of space for the children to have fun. This open set-up also lends itself to weddings and birthday parties.
The master bedroom, furnished with a king-size bed and writing desk, has double doors opening onto the garden, ensuring that it is wonderfully light and airy. The second bedroom, which overlooks a neat courtyard, has twin beds which can also be made up as a kings. Both rooms are equipped with TV screens and the master bedroom with a hard drive media player (pre-loaded with a huge collection of movies and TV series). Large open-air ensuite bathrooms feature tubs and rain showers.
The beauty is its adaptability it can be anything you want it to be, from a romantic honeymoon destination to a sprawling holiday retreat for several families, where the children can run freely between the villas without a care in the world.
Each of the villas features large bedrooms, tropical ensuite bathrooms, open-air living and dining pavilions (air-conditioned dining rooms in the two master villas), fully equipped kitchens, swimming pools, and lushly planted gardens. WiFi internet is available throughout and all living areas are fitted with iPod speakers an iPod loaded with music to suit all tastes is available on request. On-demand movies and satellite channels can be viewed on TV screens in all the bedrooms.
Seminyak Bali's premier location for wining, dining and shopping is only ten minutes drive made even more accessible courtesy of the villas' twice-daily shuttle service. Canggu's world-famous surf beaches are within walking distance, and many new cafes and restaurants are springing up in the neighbourhood, just waiting to be explored. The sports and leisure facilities at Bali's exclusive Canggu Club are also available to guests during their stay.
Low season: USD 350 ++ /night min. stay 2 nights
9 January – 13 April; 23 April – 15 June; 1 September – 19 December
High season: USD 395 ++/ night min stay 5 nights
16 June 31 August , 14 April 21 April ( Easter week )
Peak season: USD 490 ++/ night min. stay 7 nights
21 December – 8 January
* All prices subjected to 15.5% Gov. Tax & services
Inclusions :
– full A la Carte Breakfast
– Complimentary Access to Canggu Club ( including water park,Gym, tennis , Pool )
– airport pick up on arrival
– free shuttle service within local area
– High Speed Wi-Fi throughout complaex
– Afternon Tea
– Media Player with extensive collection of movies and TV series
The Neighbourhood is:
– 3 minutes to Finn's Beach Club , Canggu Club
– 3 Minute Berawa Beach
– 5 Minutes walking to La laguna Beach club
– 12 minute to Echo Beach and Batu Bolong Beach
– 10 minutes to Potato Head , Seminyak Square
– 15 Minutes to Seminyak Beach, Cocoon beach club, La planca Beach bar and Sos beach bar
– 20 minutes to Legian , Kuta area
Ref-ID: VCRA14
Ref-ID: VCRM01
Close to The Beach 4 Bedrooms villa in ...Berawa
Ref-ID: VCRH13
Luxury 5 BR Villa in Scenic Rice Fields ...Canggu
Ref-ID: VCRA13


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RadFxSat (Fox-1B) has successfully cleared another hurdle. A Mission Readiness Review was held April 29, at the Cal Poly campus before a board representing Tyvak, Cal Poly, and NASA, to verify that all requirements have been met for a safe and successful launch and deployment.
AMSAT Vice President for Engineering Jerry Buxton, N0JY, presented 81 PowerPoint slides covering all Interface Control Document (ICD) requirements, mission, operations, and deorbit. Following the presentation and a question-and-answer session, the panel unanimously approved RadFxSat as ready for flight.
The next milestone will be integration of the CubeSat into the Poly Picosat Orbital Deployer (P-POD). Launch is set for no earlier than September 23, 2017, aboard a Delta II launcher from Vandenberg Air Force Base in California.


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We would like to say congratulations to the 2018-2019 Board of Directors. Members for the upcoming board term include:
Office of the President
President - Donna Musselman
President Elect - Marcia Williams
Immediate Past President - Kathy Danielson
VP Communication - Kelly Luna
Director of Marketing - Rachel Stroik
Director of Social Media - Elias Aguirre
VP Education - Cindy Smith
Director of Education - Lindsi Little
Director of Monthly Programs - Kathy Kasper
VP Finance - Kim Maka
Director of Fundraising - Jillian Romero
Director of Strategic Alliances - Lavita Miller
VP Membership - Meaghan Rhame
Director of Member Engagement - Chandler Jones
Director of Recruitment - Emily Atwood
Director of Retention - Jessica Chester
The Office of the President met with Belinda Cottrell, CPCE, CHSS Chapter Operations Manager from Global to discuss the mid-year performance review for our chapter. We are happy to share with the membership that we are one of the top tier chapters within Global. Congratulations to our membership for helping us meet and exceed our performance standards!
I hope to see all of you at "Putin on the Ritz", May 10th at the MOONFIRE Lounge. Join us for a lively networking social with locally sourced hors d'oeuvres and libations and enter in the annual chapter fundraising Ritz Raffle for a chance to win an outstanding trip. It will be a fun evening to mix and mingle with old friends and meet new ones as we celebrate the chapter's accomplishments!
President, MPI THCC


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What it is, is that my Bro and Sister in Law have had a baby boy about 4 months ago, and and I have very little time with my nephew. So understandably I snatch every minute I can get with him.
Recently though it seems as though my Sister in Law is purposely keeping me at arms length, not letting me pick up my nephew because he needs a nap even though he's just woke up from one not long ago, or going to their room to breastfeed him because she knows that I'm wary of picking him up just after he's fed for fear of him spitting up, or some other "reason".
Oh and while I remember it's no use talkin to my bro cos he doesn't like to cross his wife (a.k.a. Under the thumb)
But the main question is am I being too sensitive to this or what?