text:
1. Debt.Whether it is student loans, credit cards, an auto loan, or a gambling habit, most people have some sort of financial baggage that tags along with them to the altar. This can cause problems when discussions about budgeting and paying off debt comes up, especially if one spouse brings in more debt than the other, or even if one came into the marriage debt-free. Debt can act like an anchor that keeps your financial plan from moving forward, sometimes for years.
2. Personality.Your personality is one of the biggest influences on how you manage money. It's something that has been deeply rooted in you since childhood and is difficult to change. A couple might be completely debt-free, but can still run into trouble if one is a saver and the other a spender. This happens especially when the couple didn't take the time to truly get to know each other before tying the knot and weren't able to see anything but their spouse's "best face."
3. Income.If only one spouse is working, or one spouse earns more than the other, it can be easy for the spouse with more income to initiate a "power play" and dictate how the money is to be spent. Some have called it financial bullying. This can be multiplied when a spouse is unemployed or underemployed, adding insult to injury. It is easy to rationalize the idea, but it undermines the importance of the couple working as a team toward common goals.
4. Extended Family.His family wants to take a trip to Disneyland, while her brother needs a place to stay for a few months. His sister needs gas money, while her parents keep pressuring her to visit more often since you've moved out of state. Before you know it, one spouse is agreeing to things because "family is most important," while the other spouse is wondering why "our" family and needs aren't most important. It can also go the other way when one spouse's parents are able and willing to pay for vacation expenses and extravagant Christmas gifts, while the other's aren't. And with that, extended family relations can reach their meddling fingers into your wallet.
5. Yours, Mine and Ours.Sometimes money habits are so divergent that a couple decides to split their expenses and maintain separate bank accounts to avoid future arguments. While this is not always the worst solution to such a problem, and it allows each spouse to spend what they have left as they see fit, it can still build resentment over extraneous purchases either spouse makes. It can also cripple the couple's saving power, making it difficult to reach future common goals such as retirement, traveling, etc.Source: http://familyshare.com/
Saturday, August 30, 2014
5 money issues that can kill your marriage
Posted by Bn911 at 9:35 PM No comments:
Friday, August 29, 2014
Top 10 Things to Do Before You Invest
Top 10 Things to Do Before You Invest
by Michele Cagan, CPA
1. Pay off every penny of credit card debt. You'll earn sky-high (18 to 22 percent!) returns just by paying your credit card balance in full rather than making the minimum monthly interest-laden payments.
2. Build yourself an emergency fund. Start a separate bank account for this purpose alone. It should have enough money to cover at least three to six months of living expenses.
3. Set up and follow a household budget. Keep track of where your money comes from and (even more important) where it's going.
4. Set clear financial goals. Whether you want to save for a new car this year or retirement twenty years from now, you need to know why you're investing.
5. Determine your time frame. How long your money will be working for you plays a key role in designing the best portfolio.
6. Know your risk tolerance. Investing can bring about as many downs as ups, and you have to know just how much uncertainty you can comfortably stand.
7. Figure out your asset allocation mix. Before you start investing, know what proportion of your portfolio will be dedicated to each asset class (like stocks, bonds, and cash, for example).
8. Improve your understanding of the markets. That includes learning about the big picture, such as the global political and economic forces that drive the markets and affect asset prices.
9. Set up your brokerage account. Whether you decide to start out with a financial advisor or take a more do-it-yourself approach, you'll need to have an open brokerage account before you can make your first trade.
10. Analyze every investment before you buy it. Buy only investments that you have researched and fully understand; never risk your money on an unknown.
by Michele Cagan, CPA
1. Pay off every penny of credit card debt. You'll earn sky-high (18 to 22 percent!) returns just by paying your credit card balance in full rather than making the minimum monthly interest-laden payments.
2. Build yourself an emergency fund. Start a separate bank account for this purpose alone. It should have enough money to cover at least three to six months of living expenses.
3. Set up and follow a household budget. Keep track of where your money comes from and (even more important) where it's going.
4. Set clear financial goals. Whether you want to save for a new car this year or retirement twenty years from now, you need to know why you're investing.
5. Determine your time frame. How long your money will be working for you plays a key role in designing the best portfolio.
6. Know your risk tolerance. Investing can bring about as many downs as ups, and you have to know just how much uncertainty you can comfortably stand.
7. Figure out your asset allocation mix. Before you start investing, know what proportion of your portfolio will be dedicated to each asset class (like stocks, bonds, and cash, for example).
8. Improve your understanding of the markets. That includes learning about the big picture, such as the global political and economic forces that drive the markets and affect asset prices.
9. Set up your brokerage account. Whether you decide to start out with a financial advisor or take a more do-it-yourself approach, you'll need to have an open brokerage account before you can make your first trade.
10. Analyze every investment before you buy it. Buy only investments that you have researched and fully understand; never risk your money on an unknown.
Posted by Bn911 at 9:53 PM No comments:
Tuesday, August 19, 2014
17 Facts About Warren Buffett And His Wealth That Will Blow Your Mind
Warren Buffett has been incredibly successful and he's extremely wealthy. Warren Buffett's wealth jumped by around $12.7 billion in 2013 alone.
But how much is $12.7 billion, anyway?
And how good an investor is Warren Buffett, really? We've put together some facts that really put him in perspective.
99% of Buffett's wealth was earned after his 50th birthday.
Buffett made $62.7 billion of his $63.3 billion networth after his 50th birthday.
$60 billion — nearly 95% — is from after his 60th birthday.
Talk about long-term investment strategies.
Source: Fool
Berkshire's Book Value beat the S&P 500 in 43 out of 44 years on a 5-year rolling average basis
From 2008 to 2013, the S&P 500 returned 128%, while Berkshire (based on book value per Class A share) returned 80%.
Source: Berkshire Hathaway, Business Insider
Among legends, Buffett has the longest track record for beating the market.
That chart shows investor's compared to the S&P 500 over time. You can see the longevity of his outperformance is greater than those of other great investors.
Source: Business Insider
Buffett's net worth of $63.3 billion is greater than the combined 2013 GDP's of Ghana and Cambodia.
Ghana's 2013 GDP was estimated to be$47,928,717,949.
Cambodia's 2013 GDP was estimated to be$15,249,684,397.
Warren Buffett's wealth currently makes him the 3rd richest man.
Source: Forbes
In 2013, Buffett made on average $37 million per day — that's more than what Jennifer Lawrence made the entire year.
According to Forbes, Jennifer Lawrence is the second highest paid actress in 2013 — and she is estimated to have made $34 million that year.
Warren Buffett made $37 million per day in 2013.
Source: MarketWatch
You could pay the college tuition of 6 NYU students with what Warren Buffett made in a single hour in 2013.
NYU is the most expensive university in the United States — four years of tuition costs $247,908.
Buffett made $1.5 million per hour in 2013.
Source: CNBC
Buffett made his first stock purchase the same year that Pearl Harbor was bombed.
Warren Buffett's first stock purchase was in 1941 — he bought 3 preferred shares for himself and three for his sister at $38. The stock dropped nearly 30%, and when it finally got back up to $40 Buffett sold. A few months later, the stock soared to $200.
Pearl Harbor was bombed on December 7, 1941.
Source: Old School Value
Buffett has so far donated enough money in his lifetime to build 4 Apple "Spaceship" Campuses.
Buffett has donated a lifetime total of $20 billion — the second highest amount (following Bill Gates).
The Apple Campus is a $5 billion project.
Source: Forbes
You could increase the annual salary of every North Korean living in Pyongyang by 50% if you took Buffett's donation to the Bill and Melinda Gates Foundation and distributed it evenly to them.
North Korea's capital Pyongyang has a population of 2.843 million. And the average North Korean makes an estimated $1000-2000 per year (so we used the number $1500).
Buffett donated $2.1 billion to the Bill and Melinda Gates Foundation. That means that every person in Pyongyang would hypothetically get $738.65 — an amount that is 49.2% of the annual per capita earnings in North Korea.
Keep in mind, however, that Buffett's donation is in class B shares.
Source: CNBC
Buffett is "ready" to double his investment in renewable energy — bringing the total to an amount that could build 46 Burj Al Arab's.
Buffett already has $15 billion invested in solar and wind energy, and is "ready" to commit another $15 billion — which would bring the grand total up to $30 billion.
Dubai glitzy hotel, the Burj Al Arab, cost$650 million to build.
Source: Bloomberg
In 2014, a Singapore man bid $2.2 million for lunch with Warren Buffett. That amount could've provided 9,746 students with a calculus textbook.
In case you don't have college-aged kids yet, text books are extremely expensive. The one that we used in our calculation costs$225.72.
Source: Omaha.com
Berkshire Hathaway's cash balance is at $50 billion — that's equal to the entire GDP of South Dakota plus 45 Airbus A318′s.
Berkshire Hathaway currently has over $50 billion in cash.
The GDP of South Dakota in 2013 was$46.732 billion.
An Airbus A318 costs $71.9 million.
Source: Bloomberg News
If you invested $1000 in Berkshire Hathaway in 1970, you'd have $4.86 million today.
Berkshire Hathaway closed at $41 at the end of 1970.
That's a 486,636.59% change. You'd have $4.866 million today.
If you invested $1000 in Berkshire Hathaway in 1980, you'd have $531,165 today.
Berkshire Hathaway closed at $375 on August 12, 1980.
That's a 53,116.53% change. You'd have $531,165.30 today.
If you invested $1000 in Berkshire Hathaway in 1990, you'd have $28,785 today.
Berkshire Hathaway closed at $6,700 on August 13, 1990.
That's a 2,878.54% change. You'd have $28,785.40 today.
If you invested $1000 in Berkshire Hathaway in 2000, you'd have $2,218 today.
Berkshire Hathaway closed at $62,000 on August 11, 2000.
That's a 221.87% change. You'd have $2,218.7 today.
If you invested $1000 in Berkshire Hathaway the year that Warren Buffett became the majority shareholder, you'd be up to $10.50 million today.
In 1964 – the year that Buffett became a majority shareholder — the stock was valued at $19 per share.
On August 12, 2014, Berskshire Hathaway closed at $199,562.00.
That's a 1,050,226.32% change — which would be $10.502 million.
Source: http://www.businessinsider.my/
Posted by Bn911 at 9:10 PM No comments:
Sunday, August 17, 2014
Koon Yew Yin's Share Investment Strategies
How I started investing in shares?
In 1983 I had my heart bypass surgery in London. While recuperating in Harley Street Hospital, I read from the newspaper that the Hong Kong stock market crashed because Margret Thatcher, the British Prime Minister failed to secure the extension of British rule of Hong Kong. The British had a 99 years lease of Hong Kong and a part of Kowloon. The lease was expiring and the Chinese Communists would soon take over.
Everyone was afraid and everything was on cheap sale. The stock market crashed.
At that time, I did not know how to select shares basing on the fundamental criteria of value investing. I did not know how to invest for long term or short term or timing the market to hit and run. I just bought shares that went down the most in terms of percentages. You can say that I started blindly.
As soon as China agreed to offer 50 years extension of capitalist system, the Hong Kong stock market rebounded and I sold all the shares I bought initially with more than 200% profit. With all the proceeds, I bought HSBC and other better known shares. After about 2 years, I made so much money that I bought 46% of the small stock broking company in Hong Kong that gave me margin finance which help me make more profit.
After this short experience in Hong Kong, I decided to retire as Managing Director of Mudajaya and be my own boss. Why should I work so hard when it is so easy to make money from the stock market? Moreover, all my profit is tax free and I don't have any management problem. I do not need to deal with people which I find most difficult.
After my retirement, I have more free time to read. I have learned the investment philosophy of Warren Buffet, Peter Lynch, Benjamin Graham and others. I found the best book is called "Valuegrowth Investing" by Glen Arnold.
What is value growth investing? It means that the best stock to buy must be undervalued and it has strong profit growth prospect.
What is long term investment?
If I ask you all what long-term investing mean to you. I might get many different answers. Some may say 10 to 20 years, while others may consider five years to be a long-term investment. Individuals might have a shorter concept of long term, while institutions may perceive long term to mean a time far out in the future. This variation in interpretations can lead to variable investment styles.
For investors in the stock market, it is a general rule to assume that long-term assets should not be needed in the three- to five-year range. This provides a cushion of time to allow for markets to carry through their normal cycles. However, what's even more important than how you define long term is how you design the strategy you use to make long-term investments. This means deciding between passive and active management.
Long-Term Strategies
Investors have different styles of investing, but they can basically be divided into two camps: active management and passive management. Buy-and-hold strategies - in which the investor may use an active strategy to select securities but then lock them in to hold them long term - are generally considered to be passive in nature.
Active Management
On the opposite side of the spectrum, numerous active management techniques allow you to shuffle assets and allocations around in an attempt to increase overall returns. There is, however, a strategy that combines a little active management with the passive style. A simple way to look at this combination of strategies is to think of a backyard garden. While you may plant different crops for different results, you will always take the time to cultivate the crops to ensure a successful harvest. Similarly, a portfolio can be cultivated along the way without taking on a time-consuming or potentially risky active strategy.
Market Timing
When it comes to market timing, there are many people for it and many people against it. The biggest proponents of market timing are the companies that claim to be able to successfully time the market. However, while there are firms that have proved to be successful at timing the market, they tend to move in and out of the spotlight, while long-term investors like Peter Lynch and Warren Buffett tend to be remembered for their styles. Studies have shown that most day traders cannot outperform the market index because of the transaction cost.
The Bottom Line
If volatility and investors' emotions were removed completely from the investment process, it is clear that passive, long-term (20 years or more) investing without any attempts to time the market would be the superior choice. In reality, however, just like with a garden, a portfolio can be cultivated without compromising its passive nature. Historically, there have been some obvious dramatic turns in the market that have provided opportunities for investors to cash in or buy in.
My investment style
Basically my style is a mixture of all the above mentioned strategy including the use of margin finance to increase my profit. With due respect to professional fund managers, they consider current earning EPS the most important criterion. But, I consider future profit growth prospect is more important. For example, Jaya Tiasa which has very poor current earning but it has tremendous profit growth prospect. That is why it has gone up about 30% in the last few months.
It is easier for me to explain by showing you the shares I own and how I manage them. In view of the sustainable palm oil price increase in the near future, most of my investment are plantation shares eg Jaya Tiasa, Kulim, TH Plantations and Sarawak Plantations. Besides plantation, I have about 20% worth of my total investment on Mudajaya, MFCB and Success Transformers. I have only 7 counters so that I can closely keep track of them.
All my shares are pledged for margin finance. I normally use up to about 80% of the allowable limit.
How do I use Price Charts
I do not use charts to trade frequently. I only look at the long term price charts to buy shares that have been depressed for a long time. For example, Kulim is now selling at around Rm 3.50 which is lower than the average price in the last 3 years. This is simply not logical. It the last 3 years, Kulim's plantation land especially those in Johore must have appreciated in value. Moreover, Kulim would have planted more oil palms and also made profit in the last 3years. I believe the price of Kulim will soon be re rated.
How I take advantage of the share price fluctuation
It is important to note that any share cannot continuously go up or come down for whatever reason. I must take advantage of this phenomenon to make money. For example, I have sold some Jaya Tiasa because it has gone up 30% within a few months so that I have funds to buy Kulim, TH Plantations and Sarawak Plantations which have been depressed for a long time. Jaya Tiasa is still my largest holding.
Please note that all the shares I bought are meant for long term. But it does not mean that I cannot sell them to get money to reduce my borrowing or to buy some other shares which are relatively cheaper.
Those who wish to know more about my investment style or have questions to ask, please attend my seminar on 1st June as according to my announcement.
Posted by Bn911 at 10:03 PM No comments:
Labels: Investment Tip
Friday, August 15, 2014
Strategies to Grow Money Effectively
Taking stock of moves to tackle financial challenges
AS the new year takes shape, a number of hazards are expected to challenge the state of our personal finances. An early warning arrived when the sugar subsidy was cut in Budget 2014, a bitter indication that food prices would soon be rising.
Soon afterwards, consumers got a second wake-up call when news broke that the electricity tariff would be raised by 15% from this month, which would inevitably have an economic ripple effect. Yet, the bombshell of the year may be the stunning increase in assessment rates of up to 300% by the Kuala Lumpur City Hall. Understandably, property owners have not taken the rate hike lying down.
External factors may also impact us, as the economic recovery in the United States has not been as robust as expected. There are clearly many threats beyond our control.
All these changes indicate that we are going to face more financial challenges this year. There is no better time than the present to take stock of our strategies to tackle these adverse developments.
However, one thing is in our hands and can make all the difference – at work or at home with regard to personal matters or our financial health – a positive, "can-do" attitude.
Eight Musts
Here are eight MUSTS that can open the door to financial success and a rewarding life this new year:
1. Determine the optimal return on investment (ROI) you need to achieve to enjoy financial freedom.
Everyone has a magic number by which they need their wealth to grow, say, 10% or 6%, that will take them to their financial goals. Simple as it sounds, there are real dangers for us if we are off the mark.
For example, without a target, we may be attracted to investments that promise unrealistic returns. Schemes like the under-probe Genneva Malaysia gold trading business or high-risk overseas investment plans are two perfect examples. So, be guided by sound parameters when making investment decisions.
Equally, if we set our ROI target too low, then we could become complacent about our financial plans, and run the risk of seeing inflation erode our asset value. As a result, the quality of life that we expect to enjoy may slip out of reach.
2. Set an optimal savings target, taking note that rising expenses will take a bigger bite out of our disposable income.
For example, the goods and services tax, when implemented in April 2015, and the continued cutting of subsidies will put upward pressure on the cost of living. On the other hand, the expected reduction in the income tax rate will put more money into our pockets. These two extra factors alone are enough to throw our current budgets off balance. Therefore, it is wise to review our current expenditure and adjust our lifestyle costs and savings targets accordingly.
As a rule of thumb, we should save at least 35% of our income, including our savings in the Employees Provident Fund, in order to meet our financial goals.
Just as crucially, we have to save and invest at the same time, as we need to grow our money faster than the rate of inflation to reach our financial targets.
3. Plan and provide for your cash flow needs before investing. This is absolutely crucial because without holding power, we are sure to lose money, no matter how good our choice of investment.
As a guideline, we should set money aside for the following:
> Lifestyle funding. Working persons should maintain a six-month reserve, and the retired should have three years' reserve on stand-by to finance living expenses, vacations, insurance premiums and housing loan repayments.
> Children's university education funding. Keep the money ready three years ahead.
> Home purchase funding. Plan for financing three years ahead.
> Medical expenses funding.
4. Diversify and allocate your money.
A good rule of thumb is to allocate not more than 30% of our investable assets in a single asset class, such as property, cash, equities, bonds or commodities.
Taking a cue from Budget 2014, measures like the increase in the real property gains tax and the banning of the developer's interest-bearing scheme to prevent the property market from overheating mean that the real estate sector could soften.
So, taking profit from the property asset class and divesting is a smart strategy. For example, if you have 80% of your investments in property, then you could cut it down to 40%, shifting to cash and equities instead.
5. Cut under-performers
Normally, when investing, we are very positive. For example, we may believe that our investments in unit trusts are going to perform well. In reality, however, we need to regularly monitor these investments. Say the fund promises to deliver a 10% return but is actually giving 3%, while peer funds are giving 11% or 12%. If this is the case, then it's time to take immediate action. Many avoid taking that step because it is emotionally difficult to cut our losses. It is like jumping from a sinking ship. We must let go of our fear to make a new start.
6. Get a second opinion on any potential investment decision.
There are many innovative schemes being offered that attract retail investors, including oil palm growing schemes, offshore investment funds, gold coin trading, crude oil investment schemes and overseas property development schemes.
The best person to provide advice is usually an independent financial adviser licensed by the regulators. They are acutely aware of these schemes and know the inherent risks and benefits. Many of these schemes are clever at selling the apparent growth potential of the products, but are coy about their downside risks.
Questions to ask before signing up for these investments include:
> Is there a better option for the same type of investment? For example, instead of an oil palm grower's scheme, it may be better to buy an oil palm company's stock.
> If the promised return is 15% or 20%, is it deliverable?
> What is the potential for capital loss?
> Will my capital be safe?
Preferably, we should ask someone else these questions, and never ourselves, because when we are investing, we tend to be over-excited about the prospects of making money and often fail to answer these questions objectively.
7. Review your insurance coverage and the premium you are paying.
It is costly to have too high an insurance coverage if you already have enough insurance and assets to take care of your family. On the other hand, if your insurance coverage is too low, then your dependents are at risk of suffering a severe setback in case of any eventuality. Your insurance coverage is optimal if the total annual insurance premium you pay is less than 15% of your annual gross income:
Insurance premium ratio = total annual insurance premium/annual gross income (<15 p="">
Insurance for protection
If the ratio is more than 15%, then the chances are that you are paying too much for insurance. Rightfully, insurance is only for protection because insurance companies are not primarily dealing in the investment fund business, so, your money may grow slower than expected, and you may not have enough money for other purposes.
Note that while the above pointers are a rule of thumb, they may not apply to all age groups. As each individual will have different goals, it is best to tailor-make a financial plan that meets our specific needs.
8. Develop a tailor-made holistic financial plan to identify the OPTIMAL level of financing for your needs.
An individual's financial needs will vary depending on a number of factors. These include retirement living expenses, children's tertiary education funding, medical expenses, loan exposure and insurance. It also depends on the age at which we wish to retire, our savings target and the expected ROI.
In conclusion, if we use these checkpoints purposefully, we will be well-positioned to make the right decisions about our personal finances and can manage challenging financial circumstances with confidence. In this way, we can make good progress towards achieving financial freedom at an optimal pace.
Here's to a fruitful year optimising our money!
Yap Ming Hui (email@example.com) is a best-selling author, TV personality, columnist and coach on money optimisation. He heads Whitman Independent Advisors, a licensed independent financial advisory firm which has helped people optimise their wealth and achieve financial freedom since 2000.15>
Posted by Bn911 at 9:51 PM No comments:
Labels: Personal Finance
Thursday, August 14, 2014
The effect of inflation on mortgage loan repayments
RM5 for a bowl of curry noodles? In my day, it was 50 sen!" Sounds familiar? No doubt you hear your parents and grandparents griping about today's prices more often than not.
The reason for these price differences is simple and straightforward: inflation. We won't go into the mechanics of inflation and its causes here; all we need to know in this context is that it devalues a currency over time by increasing the prices of goods and services.
Now, you might be wondering about the significance of inflation when it comes to mortgage loan repayments, and how you can utilize this knowledge. Let's start from the beginning.
A misled mindset?
There's a piece of conventional wisdom when it comes to property loans – pay them off whenever you have spare cash, and the more the better because you'll be done with them earlier.
However, the opposite could ring true if you take into account the inflation factor. Simply put, RM1 – 30 years ago has a higher value than RM1 today due to inflation. Going by the same logic, RM1 now would obviously be of a higher value than RM1, 30 years down the line.
Imagine that a simple roadside meal will cost 10 times more, 30 years later. So, logically, paying ahead on your property loan instalments, you'd be using ringgit that would worth more compared to years down the line. Thus, wouldn't you be losing out by paying more than you have to, despite shortening your loan tenure?
Inflation versus interest
Of course, the one major argument against this logic is that while you might save some money by outsmarting inflation, you would end up paying more anyway due to the huge amounts of interest over the years.
To gain a clearer understanding of the impact of inflation here, we have to get a little technical. Let's take a home loan of RM450,000 paid over 30 years at a steady Base Lending Rate (BLR) of 4.2%. Your monthly repayment would work out to RM2,201.
For argument's sake, let's compare two hypothetical scenarios.
Scenario 1 – Standard repayments made to bank throughout tenure length
Scenario 2 – An overpayment of RM100 is added on each month throughout the tenure length
From the table above, it can be noted that overpaying your monthly instalments consistently throughout tenure will save you RM30,729 in total. But, does that value reflect the actual value saved when taking inflation into account?
Let's now look at the two different inflationary scenarios to get a picture of how much value you actually stand to save from repaying earlier. All calculations are based on the discounted cash flow of the mortgage amortisation.
* Discounted cash flow payment = Payment/ (1+ (inflation rate)) number of months
If average inflation rate in Malaysia is at 4% throughout tenure: The amount saved after takinginflation into account = Only RM157in today's ringgit. This is the value of the amountsaved based on present day value.
If average inflation rate in Malaysia is at 5% throughout tenure: You actually don't save anymoney but end up "losing" moneyin a sense.The total amount lost after taking inflation into account = RM 2,786 in today's ringgit.
From here, it becomes clear that by overpaying and saving that additional RM30,729 in the future, translated into today's equivalent, the amount might be much less than you think simply because of the effect of inflation.
The mentioned scenarios were based on certain assumptions. What is more likely to happen is a random fluctuation in BLR and inflation rates over time. Still, the principles shown hold true.
What we want to highlight is how you can extract maximum value from your money by just following Loanstreet's three simple rules for stretching the value of every ringgit.
In a nutshell:
1. If loan interest rates are higher than inflation:-
a. Pay off your Loan (This article disregards investment options)
2. If loan interest rates are lower than inflation = Use your money for either:
a. Investments or
b. Consumption items
3. In most situations, keep only a minimum amount of cash (in savings/ Fixed Deposits (FD), etc, as your money generally devalues over time (Though there are certain exceptions).
One final note, please remember not to discount the importance of saving. There are times when you just might need that extra cash, or must save up for a future use. Do, however, practice wisdom and save just enough for practical purposes.
This is our simple guide to stretching the value of every ringgit.
>> To find out more about the best home loan interest rates in the market, visit www.loanstreet.com.my
>> Loanstreet.com.my is a website that helps Malaysians compare and apply for loans online, free of charge.
Posted by Bn911 at 4:16 AM No comments:
Subscribe to: Posts (Atom)


text:
Next week, on the same day as Sony release the GT Academy Edition of GT5, the game will get a further batch of DLC and an update to the actual game.
The DLC will include some new cars, the SUBARU BRZ S '12, the Honda Weider HSV-010 (SUPER GT) '11 and the gorgeous Nissan GT-R N24 GT Academy '12.
The update, version 2.08, will introduce the following new features:
- Now possible to select "Disable collisions" in the [Event Settings] of online races.
- IDs are now shown above cars when watching online races.
- Response of the clutch pedal when using the steering wheel controllers "G25 Racing Wheel", "G27 Racing Wheel", "T500RS" and "TH8RS" has been adjusted.
- Rate of tire wear in endurance races has been slowed (excluding formula cars).
- Amount of air resistance change when altering aerodynamic wing settings has been increased.
- Autopilot has been adjusted to prevent colliding with the wall when exiting the pit lane on the Tsukuba circuit.
- Adjusted the changes in control characteristic when altering vehicle height from standard height. (Vehicle height can be changed by adjusting ride height, either by installing a suspension kit or adjusting a full customizable suspension kit.)
Speaking of GT5, have you read our GT5 report from a real GTR?
Alex COne for all.Since: Forever
ffffffffffffComment posted on 20/09/2012 at 17:14.
teflonCommunity TeamSince: May 2009
Sexy beast.Comment posted on 20/09/2012 at 18:07.
skibadeeMemberSince: Oct 2009
going to buy this version trade my original.Comment posted on 20/09/2012 at 17:16.
SpikeyMikey23MemberSince: Jul 2009
Spotted this version for 15 quid in places. May be worth picking up instead of buying individual dlcComment posted on 20/09/2012 at 17:27.
dude90MemberSince: Nov 2009
Haven't really played in ages, won't buy this DLC due the somewhat long periods between each DLC pack.Comment posted on 20/09/2012 at 17:27.
Death_In_FlamezMemberSince: Feb 2011
Due next week. Out in two months.Comment posted on 20/09/2012 at 17:30.
Greg AldridgeTeam TSA: WriterSince: Oct 2008
If only they'd restore the ability for only the host to need the DLC tracks that they took away on the quiet with the 2.04 update I might be more inclined to get back to playing it. That felt like a cheap shot and left me with ill feelings towards GT5.Comment posted on 20/09/2012 at 17:31.
Kivi95MemberSince: Oct 2009
Hmm i have not bought a single DLC. So is it worth to trade in my original copy and just buy GT5 academy edition instead?Comment posted on 20/09/2012 at 17:35.
parrymanMemberSince: Apr 2012
I'm thinking this. Might tap up the local Game and see what the trade in is worth.
All the current DLCs must come to more than £15, surely?Comment posted on 21/09/2012 at 12:24.
freezebug2MemberSince: Dec 2008
Definately worthwile, even if you only got a fiver for your original game, the new game includes everything that I've probably paid around £50 for, so if you can pick all of that up for around £15 minus the £5 trade in then it's a steal ;)
*GAME might charge £40 so it'll be a shop around job* :PComment posted on 22/09/2012 at 18:44.
cam the manMemberSince: May 2009
Haven't played GT5 for a while, will have to fire it up to see what I've missed.Comment posted on 20/09/2012 at 17:36.
holMemberSince: Oct 2009
Only thing missing from the academy edition is the Motegi track I think? Could be wrong ;)
As for only the host having the DLC, can't see the issue, you don't get that argument with CoD or BF3 players? ;)Comment posted on 20/09/2012 at 17:55.
teflonCommunity TeamSince: May 2009
It's just that they had the feature there, and then they back tracked. Same with Linux on PS3, etc. etc. etc.
You don't miss what you never had. (Unless it's cross game chat)Comment posted on 20/09/2012 at 18:09.
SympoziumMemberSince: Aug 2009
Soo… still no Premium Zonda
mehComment posted on 20/09/2012 at 18:27.
TomhlordTeam TSA: WriterSince: Apr 2009
Been wanting the HSV in GT for aaages. Really looking forward to some new SuperGT action. Yo.Comment posted on 20/09/2012 at 19:03.
JagMemberSince: Feb 2009
Agreed. the Super GTs are great race cars and looking forward to trying an all new car.
The Subaru looks exactly like the GT86! I thought they might change it a little! (I won't even get started on the GT-R…)Comment posted on 20/09/2012 at 19:24.
BlayneyMemberSince: Sep 2009
Not sure if serious.Comment posted on 20/09/2012 at 19:33.
JagMemberSince: Feb 2009
I'm serious about the BRZ looking like Toyota's GT86.
As for the GT-R, they gave away a free N24 version not to long ago.
So out of the three cars coming out, only one is new to me!Comment posted on 21/09/2012 at 08:31.
AwayzeMemberSince: Jul 2010
Lol they're the EXACT same car in real life.
I'd still buy the Subaru over the Toyota though.Comment posted on 22/09/2012 at 20:40.

subset: commoncrawl


text:
BIRMINGHAM, Alabama -- Issuing debt in bankruptcy has advantages that do not exist outside of bankruptcy, Jefferson County officials told representatives of the three major ratings agencies today.
One benefit is that sewer rate increases in bankruptcy become binding on the county under federal law, according to Ken Klee, the county's lead bankruptcy attorney.
The sewer rate increases would be "specifically enforceable by a writ of mandamus by the bankruptcy judge against the county and the plan would be binding on the county," Klee said.
Sewer rates outside of bankruptcy as part of a rate covenant would not have that same enforcement mechanism.
Klee and county leaders, including Commission President David Carrington and Commissioner Jimmie Stephens, met in New York with members of Fitch, Moody's and Standard & Poor's to discuss the county's plan to exit bankruptcy by the end of the year.
The meetings were held at the offices of Citigroup Global, Inc., the firm hired by the county to help issue approximately $1.9 billion in refinanced sewer warrants.
An additional meeting with rating agencies could be held in mid-September or early October in Birmingham.
Klee said the process is new for rating agencies because "they generally deal with investment grade securities . . . they have to be educated about the bankruptcy law. I'm hopeful that once they are, the ones that see the light will give good ratings," he said.
Earlier this month Moody's Investor's Service affirmed its low rating and negative outlook for Jefferson County's sewer revenue warrants, saying the county may face challenges in executing its bankruptcy exit plan "given the rising interest rate environment."
The Ca rating is deep in junk territory and affects $3.1 billion of outstanding sewer debt.
County officials issued a statement saying today's meetings were "productive."
Others on the trip from the county were Chief Executive Officer Tony Petelos; Chief Financial Officer George Tablack; County Attorney Carol Sue Nelson and Environmental Services Director David Denard, according to the release.
The county cited $4.23 billion in debt, including $3.14 billion in sewer debt, and hundreds of millions of dollars owed on general obligation and school warrant debt, when filing for bankruptcy Nov. 9, 2011.
A bankruptcy judge this month approved a county plan needed to exit Chapter 9 bankruptcy. The plan included an additional $5 base charge for sewer customers and residential sewer rates increases of 7.89 percent annually in years 2-4 and 3.49 percent afterward for the foreseeable future
The county hopes to have a confirmation hearing in November and a closing on the plan of adjustment in late November or December, which will pave the way for a bankruptcy exit by the end of the year, county officials say.


text:
Growing Number of Customers Now Use vRanger in Tandem with ExaGrid Disk Backup Appliance to Safeguard VMware Environments
ALISO VIEJO, Calif., Feb. 28, 2012 – Quest Software, Inc. (NASDAQ: QSFT) – As IT departments large and small grapple with the need to lower costs while operating more efficiently, trends like explosive data growth, shrinking VMware backup windows, aggressive RTOs, and the need for effective disaster recovery make it increasingly difficult for companies to ensure their virtual infrastructure is properly protected. As a result, a growing number of customers now turn to the combination of Quest Software and ExaGrid® Systems, Inc. to deliver highly optimized virtual data protection. Using Quest vRanger® in tandem with ExaGrid's disk backup appliance provides customers with a highly efficient, disk-based backup solution tailored to meet the specific needs of VMware virtual environments.
Tweet This: See how @Quest and @ExaGrid combine to deliver optimal #VMware data protection: http://bit.ly/wOJItS.
Lee County Tax Collector Turns to Quest and ExaGrid for Fast, Efficient Protection
- To protect its growing VMware environment, which makes up 70 percent of the organization's IT infrastructure and consists of 6 ESXi hosts running on vSphere 5, the Lee County Tax Collector's Office realized it needed to modernize its backup and recovery strategy. The Office chose the combination of vRanger and ExaGrid to replace its tape library system.
- Using vRanger in tandem with ExaGrid has provided the Lee County Tax Collector with a fast, scalable and cost-effective way to back up and restore critical VMware virtual machines, and instantly replicate data to an offsite location, all while saving up to an hour of valuable IT staff time each day, by eliminating the time-consuming process associated with manual tape backups.
- Additional customers of note now leveraging vRanger in concert with ExaGrid include ABC Companies in Winter Garden, Fla.; Capital G Bank Limited in Bermuda; First State Bank in St. Clair Shores, Mich.; and Monroe Plan in Rochester, N.Y.
Disk-Based Backup with Data Deduplication for Virtual Environments
- The combination of vRanger and ExaGrid appliances delivers a highly efficient, disk-based backup solution with data deduplication that's ideal for virtual environments, enabling customers to combat data growth, reduce their storage footprints, and ensure the rapid restore of critical VMware data.
- vRanger recognizes ExaGrid appliances as disk targets, meaning backups are automatically stored on the system. This tested and validated solution delivers a significant reduction in disk space requirements.
- vRanger features a patented Active Block Mapping (ABM) technology which quickly scans block maps to back up only changed blocks with active data. Combined with support for VMware Changed Block Tracking (CBT), this significantly reduces the amount of data transferred to the ExaGrid appliance, which then further reduces the backup size by up to 50-to-1 with its patented zone-level data deduplication process.
- Deploying vRanger in tandem with ExaGrid enables both image-level and file-level restores, and the native catalog in vRanger makes it both fast and easy to conduct granular recoveries. In addition, the joint solution allows customers to quickly and safely copy vRanger backups offsite by way of the ExaGrid appliance, and enables fast, reliable recoveries over the WAN in the event of a disaster.
Supporting Quotes:
- Ron Joray, network administrator, Lee County Tax Collector: "The combination of vRanger and ExaGrid delivers exactly what we need to ensure reliable protection of our growing virtual environment. The two products work together seamlessly, with almost no intervention required from the IT staff. We've been able to save both time and money, and the service we've received from both companies has been top notch."
- Walter Angerer, senior vice president and general manager, data protection, Quest Software: "As they confront the many challenges associated with ensuring fast, reliable protection for their VMware data, customers are actively looking for best-of-breed technologies designed with the specific needs of the virtual environment in mind. Pairing our VMware Ready certified vRanger technology with ExaGrid's leading-edge appliances enables customers to meet their challenges head on, and confidently grow their virtual infrastructures."
- Marc Crespi, vice president of product management, ExaGrid Systems: "As virtual infrastructures continue to grow in 2012 and budgets continue to tighten, partnerships between leading companies become even more important. Pairing the ExaGrid disk backup system with vRanger has given our customers the rock solid foundation they need in order to expand and protect their number of VMs. The ExaGrid integration with vRanger directly addresses our customers' needs by providing fast, scalable and cost-effective backups with deduplication for VMware environments. ExaGrid's unique performance-based GRID architecture is the only approach that scales with full servers, adding both compute power and capacity, resulting in the shortest backup window that does not expand as your data grows, all while eliminating forklift upgrades and product obsolescence."
Supporting Resources:
- Quest Software, Inc.: http://www.quest.com/
- vRanger Community: http://communities.quest.com/community/vranger
- More Quest news: http://www.quest.com/newsroom/
- Twitter: http://mobile.twitter.com/quest
- Facebook: http://www.quest.com/facebook
- LinkedIn: http://www.linkedin.com/
- Quest TV: http://www.quest.com/tv/
About Quest:
Established in 1987, Quest Software (Nasdaq: QSFT) provides simple and innovative IT management solutions that enable more than 100,000 global customers to save time and money across physical and virtual environments. Quest products solve complex IT challenges ranging from database management, data protection, identity and access management, monitoring, user workspace management to Windows management.
About ExaGrid Systems, Inc.:
ExaGrid offers the only disk-based backup appliance with data deduplication purpose-built for backup that leverages a unique architecture optimized for performance, scalability and price. The combination of post-process deduplication, most recent backup cache, and GRID scalability enables IT departments to achieve the shortest backup window and the fastest, most reliable restores, tape copy, and disaster recovery without performance degradation or forklift upgrades as data grows. With offices and distribution worldwide, ExaGrid has more than 4,000 systems installed at more than 1,200 customers, and 270 published customer success stories.
RSS Feeds:
• Quest news releases: http://www.quest.com/rss/news-releases.aspx
Technorati Tags:
Quest, Quest Software and the Quest logo are trademarks or registered trademarks of Quest Software in the United States and certain other countries. vRanger is a trademark or registered trademark of Vizioncore Inc. in the United States and certain other countries. All other names mentioned herein may be trademarks of their respective owners.


text:
Dark Souls 3 release date - March 24, 2016
date: 2015-11-05
The original name: Dark Souls 3
Genre: PRG, Action
Developer: From Software
Publisher: From Software, Bandai Namco Games
Platform: PC, XONE, PS4
Demo: http://www.darksouls3.com/en/
What will be told in the continuation of the game is unknown, From Software, developers keep all information confidential. Perhaps history will be full-fledged sequel to the second part of the project, but this is only speculation. Will we see our anonymous friend who traveled the kingdom Dranglik?
Also promised an improved battle system, the new colorful graphics and a huge seamless world, we also expect a multiplayer mode for 2-4 players, that sounds quite interesting. As for the system requirements, it is no precise information has been received. This is not surprising, given the fact that the planned first release on the console, and then on the PC.
What else can you learn about the game: Dark Souls 3?
So, look, we have description, trailer and wallpapers (photos from the gameplay). If for some And what is missing, please contact us, all add. What do we have? We do not have enough high-quality reviews. Dear friends, we are waiting for you to help, please contact us, we will post them. We can not play all games physically, but sometimes you want to just pick up, for example, Mafia 3.
You can also register on site, add to your personal cabinet series, Google calendar and take part in the construction of the rankings. By the way, it is leading the series Fallout 4. Why is that? Watch and learn for yourself.
Dark Souls 3 System RequirementsMin CPU: Core i3-2100 3.1GHz / APU A8-3870K Quad-Core GPU: GeForce GTX 465 / Radeon HD 6870 RAM: 4 GB Direct X: DX 11 HDD Space: 23 GB
Leave your comment
You want to change avatar? Then go to the website gravatar.com and set up your profile.


text:
Numerous institutions of higher education have become hotbeds of
divestment and disinvestment–particularly from fossil fuels.
Occidental College has just joined the fray with its recent
decision–possibly the first by any American college or
university–to ban all investments in companies that manufacture
assault weapons and high-capacity ammunition magazines for the
general public.
Apparently, Occidental College trustees made this decision after
some faculty members–compelled by the 2012 Sandy Hook massacre in
Connecticut–urged them to do so in order to
"be a voice of reason in a world of a lot of violence."
Despite this supposedly noble pursuit, a few simple realities
explain why a ban on investment remains a poor policy.
Where will a ban end?
Faculty members' pressuring Occidental to ban investments in
firearms manufacturing companies should have engendered deep
concern from officials at the college. Instead, the trustees have
chosen to agree with these faculty members. Where will this stop?
Will trustees also ban investments in alcoholic beverage companies
because violent drunks cause fatalities? Will they ban investments
in auto manufacturing companies because 33,561 people died in 2012 from
auto-related incidents? And will they someday ban investments in
food manufacturing companies because some foods can contribute to
obesity, which researchers have found may have caused up to 18% of deaths in America in recent
A ban prevents debate
While a ban certainly allows Occidental to take a public stand
against gun violence, it fails to make any meaningful impact. It is
likely that by refusing to invest in firearms manufacturers,
Occidental College will merely shift potential ownership of shares
in such companies to other willing parties in the market. A ban
prevents communication between the college and manufacturers,
resulting in even less of a possibility for discourse. If
Occidental officials truly wish to reduce gun violence, then they
would sit at the table and participate in a productive debate
rather than shun discussion.
A ban is not black and white
In the case that Occidental's ban were to somehow harm firearms
manufacturers, how would the college respond to the concerns of
security officials? Unlike the black and white picture painted by
proponents of a ban, firearms are critically important to modern
life. Some of the very companies which sell firearms to private
individuals also sell them to local and federal security agencies
and to the military, forces which have all many times over helped
to maintain order and peace. Ultimately, if this policy were to
harm firearms manufacturers, it would also harm the ability of
security personnel to do their jobs.
An institution which purports to prepare students to enter
a "complex"
and "interdependent" world has taken the easy road in the
debate on gun violence. This decision reveals the leadership of
Occidental to be disciples of showmanship and unreason rather than
reason and scholarship.
Raj Kannappan is the Program Officer for Young Americans for Freedom Chapter Services.


text: Krystal taps McKinney Published on June 20, 2000. Krystal Co., Chattanooga, Tenn., chose McKinney & Silver, Raleigh, N.C., to handle its $15 million to $18 million account. The southeastern hamburger chain also had been considering Ames Scullin O'Haire and Austin Kelley Advertising, both Atlanta. Former agency Ogilvy & Mather, Atlanta, didn't participate in the review. Wannamaker Associates was the review consultant. "We're trying to aggressively grow this business. We have said we will double our size in two years," said Gordon Davenport, VP-marketing and development at the 380-unit chain. "As we build and grow the business, we want people who can help us to bring out all the positives in the brand that are motivating, relevant, that will make consumers want to do business with us." McKinney did project work for CKE Restaurants' Hardee's Food Systems several years ago, but this is the first major fast-food account for the agency, said Don Maurer, president-CEO. Part of the winning strategy for the agency was to tap into the passion people have for the brand, he said, explaining, "There's a certain emotional affinity people have, there's this emotion that comes out." McKinney will begin work immediately, and Mr. Davenport expects to see new creative by September or October. Both men said it was too soon to tell the fate of the current "Fresh, hot, small, square" tagline. Copyright June 2000, Crain Communications Inc. Most Popular In this article: News


text:
"Do They Know It's Hallowe'en?" is a satire of the song "Do They Know It's Christmas?". It was released on October 11, 2005 in Canada on Vice Records by a cast of rock artists and other performers under the name "North American Hallowe'en Prevention Initiative" (NAHPI). It reached number four on the Canada pop chart.
Like its inspiration, it is a charity song, with all proceeds being donated to UNICEF. According to the official press release, the song "stems from a frustration with other benefit songs' misguided, somewhat patronizing attitude, and Western-centric worldview."
Photo: Coming Soon
Appears On


text:
2007 Trails West 3 Horse Living Quarters Horse Trailer. 11 ft Short Wall, mangers, outside storage, large bath room, large fridge, queen bed and couch…$24,500
Used Exiss 3 Horse Living quarters Trailer with mid Tack and Hay rack. Insulated horse compartment. We do have a screen room that attached to the drivers…SOLD
Lite and airy interior has large slide out with closet and sofa sleeps 1 w/under storage. A cozy sleeping area with queen bed and storage. Shower/toilet…SOLD


text:
News Story
Ojai - Ojai Police to use Nixle to Provide Information to the Public
Nature of Incident:
Ojai Police to use Nixle to provide information to the public
City of Ojai and the Ojai Valley
Date & Time:
8/2/2013 / 4 pm
Unit(s) Responsible:
Ojai Police Department
The Ojai Police Department will utilize a new communications service that will allow us to send important, valuable community information directly to residents using the latest technology.
Nixle will allow Ojai Police Department to create and publish messages to be delivered to subscribed residents instantly via cell phone, text message and/or email. Messages may include emergency alerts, crime trends or crime prevention tips as well as other relevant safety and community event information.
Residents decide from which local agencies they want to receive information. Subscribers can also choose the way in which alerts are received, whether it is by email, text message, or over the web. This service is free, secure, reliable and easy to use.
Nixle builds on the foundations of other public-to-public communication services, such as Twitter and Facebook, but adds a key component: security. When citizens receive information from our agency via Nixle, they know it can be trusted.
Residents of the City of Ojai and the Ojai Valley can immediately begin receiving pertinent information via text message, email, and web by registering at www.nixle.com. The City of Ojai's website also has a link to register as a Nixle subscriber as of 8/5/2013.
Additionally, the Ojai Police Department has established a Twitter account, which can be followed to keep up to date with important information being disseminated by the police. @OjaiPoliceDept
Prepared by:
Detective Joe Mulrooney
Media Release Date:
Follow-Up Contact:
Detective J. Mulrooney 805-646-1414
Approved by:
Captain D. Kenney


text:
Tickets to Amy Schumer's Concert Tour
|City and Venue
|Amy Schumer
|Fri. November 2, 2018
|Amy Schumer
|Sat. November 3, 2018
|Amy Schumer
|Wed. November 7, 2018
|Amy Schumer
|Thu. November 8, 2018
|Amy Schumer
|Wed. November 14, 2018
|Amy Schumer
|Thu. November 15, 2018
|Amy Schumer
|Fri. November 16, 2018
|Amy Schumer
|Sat. November 17, 2018
|Amy Schumer
|Sun. November 18, 2018
|Amy Schumer
|Wed. November 21, 2018
|Amy Schumer
|Fri. November 23, 2018
|Amy Schumer
|Sat. November 24, 2018
|Amy Schumer
|Sun. November 25, 2018
|Amy Schumer
|Tue. November 27, 2018
|Amy Schumer
|Wed. November 28, 2018
|Amy Schumer
|Fri. November 30, 2018
|Amy Schumer
|Sat. December 1, 2018
|Amy Schumer
|Sat. December 15, 2018
|Amy Schumer
|Wed. December 19, 2018
|Amy Schumer
|Thu. December 20, 2018
|Amy Schumer
|Fri. December 21, 2018
|Amy Schumer
|Sat. December 22, 2018
Buy Tickets for Amy Schumer Live in Concert Here
See Amy Schumer live in concert and you can buy cheap tickets right here, quickly and securely. All our concert tickets are 100% guaranteed. Our ticket prices for any of Amy Schumer's tour dates are competitive and we're committed to getting you into the best seats to enjoy the live show. Search through our large selection of concert tickets and locate and purchase your seats for the show you want to attend.
Learn More About Our Amy Schumer Ticket Prices
We work with a trusted and vetted network of event ticket suppliers. Ticket prices are set by the demand of the event. And you can rest easy because all our tickets are 100% guaranteed.
Amy Schumer Concert Ticket Payment Options:
We offer a number of payment options for your convenience including Master Card, Visa, Discover, Diner's Club and American Express.
Refund Policy for All Amy Schumer Tickets:
All ticket sales are final. Our tickets are unique and can't be replaced, therefore there are no exchanges or refunds. If an event is rescheduled or postponed, your tickets will be honored for the new date.
Amy Schumer Tickets Shipping Policy:
You can choose either standard or express delivery and you can specify special delivery instructions if necessary. Sometimes there will be electronic tickets available that you can download right away. Otherwise, your Amy Schumer tickets will be shipped to you using Federal Express. Your Amy Schumer ticket order will be processed right after you buy them using our secure servers.
Types of Seating for the Amy Schumer Tour
The specific types of seating will vary on the Amy Schumer tour depending on the venue. Depending on the venue and availability, concert-goers can find center stage tickets, floor seating, front row tickets, group tickets, box seats, general admission, VIP tickets, backstage passes, e-tickets (electronic tickets) or sold out Amy Schumer concert tickets here.
To discover the types of seating available at the venue near you, click on the red TICKETS button above that corresponds with the city and venue of your choice from the complete Amy Schumer concert tour schedule above.
How Much Do Amy Schumer Tickets Cost?
Ticket prices for any of Amy Schumer's tour dates vary by venue and seating. We have one of the largest concert ticket selections online and offer a wide range of choices, from cheap discount seats or last-minute deals all the way up to premium seating, for concert venues across North America.
About Amy Schumer
"I went home with this French guy because he said something adorable like, 'I have an apartment.'" — Amy Schumer
Amy Schumer is a stand-up comedian, writer, and actress. Her witty and urbane stand-up act takes observational humor and mixes it with jokes about sex, relationships, and her life.
She often cracks wise about incidents and events that others can relate to. She's not afraid to make fun of those who make fun of her weight and appearance.
Schumer's stand-up is usually applauded for its feminism and occasionally derided for being racist. Schumer claims she's not racist but just says stupid things.
Big Break
Schumer's big break came in 2006 when she appeared on an episode of Live at Gotham (Comedy Central). That led to a spot on the fifth season of Last Comic Standing (NBC). She didn't win but she did reach the finals.
After her Last Comic Standing appearance, she found regular work on a plethora of variety shows and sitcoms including 30 Rock, Curb Your Enthusiasm, Delocated, and Red Eye W/ Greg Gutfeld.
Schumer released Cutting, her debut standup comedy album, on April 25, 2011. Her own special, Mostly Sex Stuff, aired on Comedy Central the following year.
In 2013, Schumer received her own sketch show on Comedy Central called Inside Amy Schumer. The award-winning program features sketches, stand-up, and interviews.
In 2014, Amy Schumer tickets were sold to her successful "Back Door Tour." Also in 2014, she appeared on Jerry Seinfeld's Comedians in Cars Getting Coffee.
In the episode, Seinfeld picked her up in a yellow Ferrari but the car broke down before they reached the diner. They had to walk.
In 2015, Schumer hosted the MTV Movie Awards. Later that year, she celebrated her first starring movie role. She played "Amy Townsend" in Trainwreck. She wrote the script too.
On July 23, 2015, in Lafayette, Louisiana, a man opened fire during a showing of Trainwreck. He killed two people, injured nine, and then committed suicide. The incident inspired Schumer to speak out for stricter gun control laws.
Schumer once dated WWE superstar Dolph Ziggler. U.S. Senator Chuck Schumer is her father's second cousin.
When you want tickets to see Amy Schumer live in concert, shop here at ClickitTicket and find all kinds of concert tour tickets on sale now.


text:
Near Tiburon in Marin County, California — The American West (Pacific Coastal)
Cold War Defense
A radar control station was placed on Mt. Livermore and three notches were carved in the hill to improve line of sight. With the development of ICBMs (Inter-Continental Ballistics Missiles), Nike missiles became obsolete. The Army dismantled the installation in 1962, ending a military presence of the island that endured from the Civil War to the Cold War.
Location. 37° 51.344′ N, 122° 25.407′ W. Marker is near Tiburon, California, in Marin County. Marker is on Perimeter Road, on the left when traveling east. Touch for map. Marker is in this post office area: Belvedere Tiburon CA 94920, United States of America.
Other nearby markers. At least 8 other markers are within walking distance of this marker. Play Games (approx. 0.3 miles away); 600 Bunkmates (approx. half a mile away); Fort McDowell's General Store (approx. half a mile away); Guarding the Post (approx. half a mile away); Ministering to all Faiths Shipping Out and Coming Home (approx. half a mile away); Bowling and Dollars (approx. half a mile away); Treating the Troops (approx. half a mile away). Touch for a list and map of all markers in Tiburon.
Regarding Cold War Defense. Perimeter Road is a 5 mile, mostly paved, walking/bicycle path that goes around Angel Island. Angel Island State Park is accessed by ferry from Tiburon.
Also see . . . Nike Missle Site - Angel Island Conservancy. A Nike anti-aircraft missile site, one of eleven Nike batteries built in the Bay Area during the Cold War, was placed on the southeast corner of the island, just behind Point Blunt. (Submitted on October 12, 2013, by Barry Swackhamer of San Jose, California.)
Categories. • War, Cold •
Credits. This page was last revised on June 16, 2016. This page originally submitted on October 12, 2013, by Barry Swackhamer of San Jose, California. This page has been viewed 533 times since then and 21 times this year. Photos: 1, 2. submitted on October 12, 2013, by Barry Swackhamer of San Jose, California. 3. submitted on October 12, 2013. • Andrew Ruppenstein was the editor who published this page.


text:
Virtual Tours Photos: Underwater Shooting, Maldives
This sphere shot in warm waters of the Maldives Islands continues the series of our underwater spherical panoramas. 8 years had already passed since my last diving and I remembered almost nothing. But the instructor encouraged me: "Put the oxygen cylinder on and jump into water. There you will remember everything." And I jumped...
Search Results from Courtesy of «AirPano»
Search Results from Hotel Underwater Shooting, Maldives «Hotellook»
Search Results from Maldives courtesy tours «Tripster»


text:
Main Menu
Get Involved Menu
University Hospitals is grateful to the many volunteer leaders who serve on our boards, leadership councils and committees. They serve as ambassadors, informed advocates, strategic advisors and resources for University Hospitals. We are honored to recognize the following leaders for their distinguished service:
UH Volunteer Leadership Committee
Enid B. Rosenberg, Chair
Kathleen A. Coleman, Vice Chair
Robert S. Reitman, Vice Chair
UH Ahuja Medical Center Leadership Council
Fran E. Doris, Co-Chair
UH Connor Integrative Health Network Leadership Council
Rand Curtiss, Chair
Diamond Advisory Group
Jim Goldsmith, Esq, Chair
UH Digestive Health & Surgical Innovation Leadership Council
Angela Connelly-Prada, Co-Chair
Joseph C. Prada, Co-Chair
UH Ear, Nose & Throat Leadership Council
Richard W. Pogue, Chair
UH Eye Institute
Marshall L. Goldman, Co-Chair
Henry L. Meyer III, Co-Chair
UH Geauga Medical Center Leadership Council
Richard J. Frenchie, Co-Chair
Tracy Jemison, Co-Chair
UH Harrington Heart & Vascular Institute Leadership Council
UH MacDonald Women's Health Leadership Council
Barbara P. Ruhlman, Co-Chair
Joan Ainsworth, Co-Chair
UH National Art Leadership Council
Lawrence Singerman, MD, Co-Chair
Margaret Singerman, Co-Chair
Stacy Singerman, Co-Chair
UH Neurological Institute Leadership Council
Sheila A. Wyse, Chair
UH Department of Orthopedics Leadership Council
Jack Herrick, Chair
Partnership for Families Advisory Board
Jill F. Helfman, Chair
Rainbow Babies & Children's Foundation
Terri A Kennedy, President
UH Seidman Cancer Leadership Council
Kathleen A. Coleman, Co-Chair
James W. Wert, Co-Chair
St. John Medical Center Leadership Council
Gary A. Ebert, Esq., Chair
F.E. "Rick" Taylor, Chair-Elect
For more information, please contact Kate Lewis in UH Institutional Relations & Development at 216-844-5866 or firstname.lastname@example.com.
To find out more about how you can make a difference at UH, contact us:
Join our patient feedback community.
Sign Up
For appointments/referrals:
For general information:
216-844-8447 or 888-844-8447
Telephone Directory
Contact Us Online
Financial Assistance
UH Newsroom


text:
It's your home and you have to live in it
Past News ReleasesRSS
Toronto, Canada (PRWEB) August 22, 2014
Centura Tile (http://www.Centura.ca), North America's premier distributor of both residential and commercial floor and wall fashions, is announcing the importance of focusing on the details of a project when renovating or performing upgrades to a home.
"There's so much for homeowners to consider when thinking about renovating their home," says Ross Keltie, vice president of sales and marketing at Centura Tile. "One thing to do is plan ahead. Homeowners need to figure out things like which rooms they want renovated, ideas for themes and colour patterns, and, of course, their budget. This will make sure the renovation process goes smoothly and provides a foundation to build from when making changes along the way."
When executing a renovation project, Keltie notes that it's important to remember the details. Light fixtures, door handles, and other small things play a role in the aesthetic of the home.
"It's also important to note that when considering home renovations, seeing the big picture is imperative," he adds. "Look at the long-term cost of maintenance to the upgrades and keep in mind something like heating and cooling. Additional costs are not unusual when renovations are completed and need to be factored into the budget."
Keltie also reminds homeowners to take their time, as well as to partner with a flooring company in Toronto or another renovation specialist and focus on getting things right.
"It's your home and you have to live in it," he concludes. "Think glass liners accenting white tile; that's the type of attention a homeowner has to give in order for their home to look as beautiful as they've planned."
Centura Tile is the premier distributor of both residential and commercial floor and wall fashions throughout North America. Founded in 1933, Centura Tile has grown from a single location in Toronto to 14 locations coast-to-coast; each with a full showroom and warehousing facilities. Each Centura Tile location carries an extensive range of floor and wall products, such as ceramic tile, porcelain, mosaics, stone, vinyl, rubber, carpet, laminate, and hardwood from leading manufacturers around the world. Centura Tile also has the most complete range of accessory products to complement any installation, including bases, treads, mortar, grout, engineered cements, adhesives, trim systems, and tools. To learn more about Centura Tile, visit the company's web site at http://www.Centura.ca or call 1-416-785-5151.


text:
A year of being published – but what now?
InterSceptre, my first released game, launched a year ago. Since then, two more have followed it and been progressively more successful. But with Windows 8 imminent, my hobby has an uncertain future.
The figures:
|Launch Date
|Total Downloads
|Revenue Model
|Revenue Gathered
(of which paid: 16)
|Paid app with free trial
|Free app with advertising
|Free app with pay-to-play credits
So basically, no money.
InterSceptre (and Ben's game AstroSwag) had a big launch (well, we thought it was big) – plenty of coverage in popular blogs, we did a few presentations at UK WP groups, YouTube trailers etc., and the Marketplace was a lot smaller a year ago. I'm sill pretty disappointed with how it turned out.
By the time Rummycomb came out, we'd met people at Microsoft and Nokia, through people we'd met at the XNA-UK groups; they helped promote Rummycomb which immediately got it to a wider audience. Rummycomb uses AdDuplex – a cross-referring network, which at one time also offered paid ads. The idea was that people playing other games would find out about this great free puzzle game and download it too… but I'm really not sure how well that worked, if at all. From AdDuplex's paid ads, it made less than $2 on an install base of 5000 with 200 daily players before AdDuplex closed the scheme and went referral-only. Shortly, it will re-launch using AdRotator which will mix AdDuplex referrals with Microsoft PubCentre pay-per-shown adverts.
Incoming!, along with the other games in the Leda Arcade Collection, allows you a handful of free-to-play games per month, and beyond that you need to purchase game credits (10p to play) – which Ben engineered using PayPal integration via our web site. But the credit sales have been practically non-existent. We had practically no press coverage despite us approaching the usual blogs and forums with press packs and YouTube videos. Nokia however offered to promote the LAC games in their early days; subsequently Microsoft (without our involvement) have Featured several of the LAC games in the Marketplace, which helps downloads immensely and kept us near the top of the "Free Classics" section – but the download graphs make it obvious when a promotion is underway.
Forget about the price tag
Not that I'm in this for the money, per se – money would be nice, but I spent 20 years writing games for fun that were seen only by me and my best friend. So the download counts themselves are reward enough, for now.
But since this is a hobby and not a business, there's only so much I can afford to spend on it – and being a family man, that's quite a low figure. I can justify the $99/year to be an App Hub developer, and a contribution to web/database hosting costs, but that's about it really.
Which leaves me in a dilemma about where to go next.
The Platforms
The original attraction towards XNA was not Windows Phone 7. That was a nice bonus which came later. It was because this was the way that indie developers could write games for the Xbox – arguably the largest console market in early 2010 when XNA came to my attention, and perhaps still today. There didn't seem to be any way for indies to develop for the other console platforms – that's changed recently with PS Vita and so on, but not so much back when we started this trip.
InterSceptre started as a game for PC and Xbox, but through the XNA-UK group it seemed there was an opportunity to win an Xbox by developing a Windows Phone game – so I quickly went about seeing what it would take to adapt the half-finished game over. Not too much as it happened; but I finished too late to enter the competition (it was won by my Leda Entertainment partner Ben). InterSceptre has subsequently been launched for PC via IndieCity, and I'm still toying with an Xbox XBLIG release.
The seed, however, was sown. Mobile Gaming was on the up and up, and seemed to suit the kind of games we liked writing – cute puzzlers, simpler retro-style 2D arcade games. Neither Ben nor I were particularly inspired by first-person shooter MMORPGs which seem to dominate the console world. We felt we could fill the "5 minute rag" niche that mobile gaming offered.
However, the life expectancy of XNA, and XBLIG, is… uncertain. Microsoft have still not declared whether XNA will continue to be supported and developed for Windows 8 (we already know Silverlight will be dropped). We think we know that "legacy" applications will continue to run on Windows 8 (at least on Intel if not ARM), but it seems pointless to me to keep developing on a framework that is being deprecated and will see no further investment. Whether XBLIG will be available on the next generation Xbox remains uncertain, and how developers should code for Windows Phone 8 is also unclear. We are nervous.
A droid for all occasions
I've blogged before about my adventures with Android, but all problems aside it might be the easiest jump to make. Fragmentation is an utter nightmare, but I do know how to write in Java at least. And Android easily has the lowest cost-to-entry of the available options: all the development tools and SDKs are free, and it's a one-off $25 fee to become a Google Play developer. If I'm happy never to make any money (since no-one on Android will pay for anything) then I could churn out games that the majority of phone users would actually be able to download (and maybe even play, if it happened to work on their specific hardware).
Interestingly, it looks like the Sony PlayStation world may be opening up to indie developers. Talking a look at the SDK, it's all remarkably similar to Android with a thin veneer of Vita painted over the top.
Apple of my eye
Being an iOS developer has obvious attractions – the strongest ecosystem overall, with users who don't mind paying for things. Learning Objective C will take some time, but I've learned my way into enough languages now to know that it's no big deal; if you can code well in one you can generally code well in all of them, with the help of an "API translator" that helps you map concepts between libraries. Microsoft have helpfully published such a guide, albeit in the opposite direction.
The key barrier to entry here though is cost – although the App Store developer membership is the same as for Microsoft ($99/year), a games development quality environment will set you back at least £1000 for the MacBook, plus an iPhone (on contract?) and probably an iPad (another £500?). That's money I just don't have to spend on my hobby, and I'd be mad to go into this on the expectation that I could make it back from App sales. And it's mobile-only, unless Apple have plans for a game console that they've not yet shared with the world. So this route is, basically, closed.
Unity is one of those develop-once, deploy-everywhere environments; and it seems you can partially code in a C#-like language. there have also been special offers; go through their online shop at the right time and you can get a free licence to develop for both Android and iOS. Fantastic!
But there's currently no way to deploy Unity to Windows Phone 7 (Microsoft won't allow any emulation/VM on the phone, perhaps because an emulator/VM would have to be written in native code to be fast enough, and they won't allow that) – no big deal perhaps
, but the same is true of Xbox or any of the console markets as Unity does deploy to all of the major console platforms. Unity is also heavily geared towards precisely the kind of ultra-realistic 3D games I hate playing and don't want to write. And although the licence may be free, you still can't deploy for iOS without running on a Mac, even though the code is common across iOS and Android (no, it doesn't make sense to me either).
The other option in this vein is Mono, a .Net implementation that is available for both iOS and Android. Mono sounds perfect, particularly as there are several open-source libraries that help developers write C# XNA games for Mono (for example MonoGame and ExEn, although ExEn is being deprecated – hopefully to be merged into MonoGame), with the promise that the same code (with a few compiler directives) can be cross-compiled and deployed to Xbox, WP7, iOS and Android devices – and now also Sony PS Vita; the development kit for Vita is also free and is apparently based on MonoGame.
What's not to like?
Well, the cost. Although all the SDKs and IDEs are free, the licence for the Mono deployable runtime is $999.99 per developer, per platform, per year – and of course doesn't include the entry fee to be a developer on those platforms. If I were a games studio, it'd be an absolute no-brainer; I'd write everything in C# and deploy to all platforms (WP7 and Xbox thought Visual Studio; iOS, Android and PS Vita through Mono). But as a hobbyist, I simply can't justify two grand a year just to say I've got something on the App Store and Google Play as well as in the Marketplace.
So what happens now?
We wait, and hope things will become clearer during the Microsoft developer conference next week (June 20th?). Surely the XNA developers' fears are unfounded – the Marketplace is still chronically short of games and applications compared to the competition, and Microsoft couldn't possibly be so daft as to cut us all off at the knees by deprecating the environment. We know games houses have been pressing for native code on Windows Phone rather than using XNA, but Microsoft seem to be progressing more towards managed code in Windows 8.
I have no fear of going back and writing C++ and DirectX games, if that's what it means. It'll be a shame to lose some of the syntactic sugars that C# offer, but I'll write in whatever language and tool combination gives me the greatest audience at the least cost.
I just hope that Redmond don't force me across to Java, Android and PlayStation.


text:
Ayush Prana Center for MS is situated on the banks of river Periyar with the serene view of the forest stretched across one side of the center. It is in Illithode village, 25 km from Kochi international airport. A 30 minutes drive from the airport will take you to one of the most beautiful places in Kerala. Our center is studded with numerous varieties of trees and herbs; teak, jackfruit, mahogany, mango trees, henna, nutmeg, pepper, papaya and coconut palms.
''Dr. Prasanth's Ayurveda Therapy for MS''
This Ayurveda therapy for neurological diseases is originated about a century back in
Dr. Prasanth's family and has helped numerous patients across the globe to come out
from this disease and to reach a stabilized state. He has specialzed in treating Multiple
Sclerosis and has created an intensive program which brings the results from a long
term treatment.


text:
DIY Miniature Halloween Books Printables from DIY Dollhouse Miniatures.
There are printables for 2 DIY Miniature Halloween Books.
This post also contains tutorials and links for everything you see in the top photo. For instance, the skull candle is a bead with a melted birthday candle attached to it. There are more printables for the rug and tombstone bookends.
I posted this DIY Dollhouse Skeleton Furniture from Greenleaf Dollhouses in 2014. You can find miniature skeletons in skeleton garlands.


text:
We recognize our coaches as bringing key elements to the soccer field in order to develop our children into respectful, skilled, and well-rounded athletes. Each team is led by a volunteer coach who is aided by an assistant coach and team manager.
Information on the following pages will help new coaches get acclimated and give returning coaches resources for further learning and growing opportunities.
Coaches: Please download, print and keep a copy with you.
Field Numbers
Field # - Teams
Fields need to be lined weekly. If you have a field with more than 1 team please get with the other teams and set up a schedule for that field.
|U9 Boys
|09 Blue Avengers
|Field 2 Side A
|Field 2 Side A
|U10 Girls
|08 Blue Girls
|U10 Boys
|08 Blue Dragons
|Field 2 Side A
|Field 2 Side A
|U11 Boys
|07 Blue Tsunami
|Field 1 Side A
|Field 1 Side A
|U12 Boys
|06 White Spartans
|Field 1 Side A
|Field 1 Side A
|U11 Boys
|07 White Storm
|Field 2 Side B
|Field 2 Side B
|U13 Girls
|03 Blue Raptors
|Field 3 Side A
|Field 3 Side A
|U13 Boys
|05 Blue Sounders
|Field 3 Side A
|Field 3 Side B
|U14 Boys
|04 Blue Arsenal
|Field 3 Side B
|Field 3 Side B
|U14 Girls
|04 Blue Cheetahs
|Field 4 Side A
|Field 4 Side A
|U15 Boys
|03 Blue Revolution
|Practice Field 5 Side A
|Field 4 Side A
|U15 Girls
|03 Blue Whiplash
|Field 4 Side B
|Field 4 Side B
|U16 Boys
|02 Blue Elite
|Practice Field 5 Side A
|U17 Boys
|01 White Lightning
|U18 Boys
|00 Blue Warriors
|U19 Boys
|99 Blue Union
A good coach is someone who knows winning is wonderful, but is not the triumph of sports.
A kid's coach is someone who goes to work early, misses meals, gives away weekends and plays havoc with family schedules so he or she can help out a group of kids.
A good coach is someone who stays half an hour or more after practices to make sure everyone of the players has a safe ride home.
A good coach is someone who rarely hears a mom or dad say "Hey Thanks", but receives a lot of advice on game day.
A good coach is someone who makes sure that everyone gets to play.
A good coach is someone who teaches young people that winning is not everything, but still lies in bed at night staring at the ceiling wondering whether he or she might have done anything differently to have turned a loss into a win.
A good coach is someone who can help a child learn to take a mistake in stride.
A good coach is someone who sometimes helps a child to develop ability and confidence that sometimes did not exist before.
A good coach is someone a kid will remember a long time after the last game has ended and the season is over.


text:
Santiago, Chile
Big protest, little violence in Chilean demonstration
The biggest demonstration staged against the Chilean government since Gen. Augusto Pinochet seized power in a coup 10 years ago ended Tuesday night with little violence.
A crowd estimated at between 30,000 and 50,000 attended the rally, authorized by the government and sponsored by a collection of left-wing groups and social organizations. Several injuries were reported, but the relative calm contrasted with five previous days of protest which caused about 50 deaths.


text:
New Delhi: In the wake of Sports Ministry's diktat of not to extend financial help to athletes who prefer professional commitment over representing India, ace shuttler Saina Nehwal on Thursday insisted her first priority would always be to play for the country.
"I don't think anyone would not want play for the country. Everyone would want to play for the country. Sometimes you can't ignore that there is injury or a player goes through some difficult situation. Otherwise, I am sure everyone would want to play for the country and for the pride of the nation," said Saina on the sidelines of an event organised by USHA at the Delhi Golf Club here.
The Ministry's diktat came after top tennis players like men's number one Somdev Devvarman, veteran Leander Paes and Rohan Bopanna refused to participate in the Incheon Asian Games, citing loss of rankings points on the ATP circuit.
Asked how difficult it is to balance playing for the country and prize money events, the London Olympic bronze medallist said, "In the prize money event also you are not going there just as a player. You play at the state level, then national level and finally you reach the international level. So at that level, you only play for the country. It is not about prize money or medal, it is only about your country."
Saina, however, refused to comment when she asked specifically about top tennis players' decision to opt out of the Asian Games to compete in ATP and WTA events.
"I can only talk about myself and for me it is very important to play for the country," she insisted.
Meanwhile, Saina said she was extremely happy with the year 2014 where she won two titles -- India Open Grand Prix Gold and Australian Open. "I have done very well this year. I have two titles and obviously the players whom I have lost to are only the top three players in the world and there is no one else who have defeated me this year.
"I am sure one good win and next year will be even better. But if I get some three to four weeks of training, there would a lot of change in my game," said Saina.
The star shuttler from Hyderabad, who climbed up a place in the latest BWF women singles rankings to be fifth, said she was the only one who had been giving a tough challenge to the top Chinese players consistently.
"There are a lot of Chinese players in top three and all of them are very very fit. It is not easy to break them and go and win titles, because they are the ones who won all the Super Series titles this year. I am the only one who is giving them tough fight. Now, I am waiting for that one win.
"In the French Open, it was very very close (against World No. 2 Shixian Wang of China). I was 15-7 up (in the deciding set in quarterfinals) and I never lose such kind of matches...It was a surprise for me also. But I have to learn a lot from that mistake. I should have taken a break in between. But sometimes when you play in tension you just tend to forget some things. I have to learn from those," she explained.
Asked if training with coach Vimal Kumar is a long-term option, Saina said, "It is not about long term or short-term, I am there (with Vimal) for the improvement of my game. In two weeks you can't improve from World No.10 to one. I am training there to just see how it goes. The results will come.
"I wanted a little bit of a change. I had been training with Gopi sir (Pullela Gopichand) for almost 10 years now, so just wanted a little change to see if there is any improvement in my game," Saina said.
"The way I am playing my matches, they are all going very well. Of course, you need some more time to win matches. There is nobody who is going to be as consistent as me. I am very happy that I have been consistent and have gone up in the rankings. Now that I am World no. 5 shows that my consistency is good.
"Obviously that win will come. It is not far away. I know that amount of hard work I am putting in," she added.


text:
Often overlooked for its more exciting design counterparts, typography plays an integral part in creating the tone and overall experience of any successful website. As Oliver Reichenstein so astutely put it,
Cheap Genuine Buy Cheap Deals Badgley Mischka Woman Ruched Gathered Crepe Gown Cobalt Blue Size 8 Badgley Mischka Newest Sale Online Shop Offer For Sale MsCXSq
. So we better pay attention to how to do it well.
Typography is the art and science of using type to communicate through language, in clear, legible and visually engaging ways. It involves the intentional selection of font, color, size, spacing, layout, and alignment. It can convey a message quickly and evoke emotion when done well on a website. When not done well, it can make the overall experience messy and hard to engage with.
The two major categories of fonts are serif and sans serif. Serif fonts have serifs, small feet, at the end of the letter stroke. Sans serif fonts do not have these feet. Serif fonts usually convey a feeling of professionalism and tradition. While sans serif fonts carry a feeling of being modern, clean and fresh.
Sans serif fonts have been shown to be easier to read online in body copy, with the opposite is true for print. This is because serifs make it tougher for the eye to follow on a lit screen.
Line Height refers to the space between the individual lines of text. Having the right line height can make a website's text more readable and easier to scan. If it's too close together it can cause the reader to have to squint. If it's too far apart it will be confusing to look at.
Line length is the number of words in a line. A good line length will allow the user's eyes to move from the end of one line to the beginning of the next with ease.
On a website, the colors are created by light. This means thinking about contrast is even more important than in print, because there's a higher risk of a user having to strain to read. Dark text on a light background provides the most contrast with the most comfortable reading experience.
Hierarchy can sound like an obvious concept, but is an easy one to get lost once someone has gotten deep into writing their own content. It is what organizes and defines how to read through content and assigns higher importance to different areas. This plays a huge role in making copy successfully scannable for the reader. In typography hierarchy can be created through size, color, weight and uppercase lettering. In all of these categories it's important to choose a few intentional variations but not too many, or the organized hierarchy will be lost to chaos.
Using multiple typefaces can aid in creating hierarchy, bringing a unique style and tone to your website, and helping with scannability. However, it can be a thin line between this and too many fonts, which can cause the website to feel unstructured, disorganized and unprofessional. A good rule of thumb is no more than three type families and to use the same ones throughout the site. And a lot of the time one or two families will work just fine. Keep in mind that they should compliment each other. Meaning, that they should flow well with each other on a page, but not so similar that the change in font seems like a mistake.
White space is a break from content on the page. Simply put, it's empty space. It doesn't have to actually be the color white, but it's a break from content. This is important, especially on content heavy websites, in order to give the user's eye a break. Otherwise the content can feel like a dense wall, which is not enticing for anyone to jump into. This concept lends itself to the design approach of "less is more". While people like the idea of white space in theory, once you're working on your own site it can be easy to want to fill up every space with content. Try to remember that the more concise you are, the more likely someone is going to want to actually read what you have to say!
Most importantly, whatever rules you establish, stick to them. Consistency creates a flow and allows the user to enjoy going through your website, without having to relearn the structure over and over agin. Typography is really important to a website. And when it's done well, you probably don't even notice it, because it's doing its job of guiding you smoothly from one place to the next without making you do all the work.
If you'd like to dive a little deeper into the color side of things, take a look at Morgan's post on
Womens Patent Leather AnkleStrap Sandals Barneys New York Looking For Sale Online Enjoy Cheap Price Buy Cheap Fashion Style 3GR5qNwX
Share this post!
Phone: (971) 645-4352 Fax: (866) 836-4215
Leading the way in experimental and clinical research in hematology
Discount With Credit Card Race Runner Metallic Leather Mesh And Neoprene Sneakers Silver Balenciaga Discount From China New Cheap Price TBLrz
Introduction: The eradication of inhibitors using immune tolerance induction (ITI) remains the mainstay of therapy in patients with severe hemophilia A who develop inhibitors. The long-acting recombinant factor VIII Fc fusion protein, rFVIIIFc (Eloctate™), which is safe and effective in the prevention and treatment of bleeding events, may promote tolerance to FVIII as shown in preclinical animal models and an inhibitor prone child, as Fc suppresses immunoregulatory Tcells to proteins to which Fc is attached. We therefore previously hypothesized rFVIIIFc would provide effective ITI, specifically shortening and simplifying ITI, and have previously described successful inhibitor eradication in three patients. Long-term follow-up data after successful ITI in patients with severe hemophilia remains limited. In the International Immune Tolerance Induction study, at 1-year follow-up, 6 of 66 subjects who had achieved tolerance demonstrated evidence of relapse at a median of 9.5 months. Of these 6 subjects, 1 had a measurable inhibitor titer and 5 had reduced FVIII recovery. We aim to provide follow-up data on our cohort of patients who had successful inhibitor eradication utilizing rFVIIIFc for ITI.Introduction:
Methods: Immune tolerance induction was initiated in three patients with severe hemophilia A and anti-VIII >5 B.U., in two as initial ITI (Pt. 1, 3), and one as salvage (Pt. 2) after failing to achieve ITI with standard rFVIII due to poor compliance. Follow-up was scheduled every 6-8 weeks, with planned determination of FVIII half-life once the anti-FVIII fell to <0.6 B.U. Tolerance was a priori defined as achieving anti-FVIII <0.6 B.U., FVIII recovery of at least 60%, and half-life (t½) >6 hours. Once a t½ >6 hours was documented, incremental reduction to rFVIIIFc occurred. Patients continued to be followed by their local HTC as per standard of care.
That maker of store-brand grocery items, TreeHouse Foods Inc., is a $2 billion company with over $6 billion per year in revenue. Like many consumer staples companies, its stock has been weak, falling over 50 percent over the past year because of disappointing earnings results brought about in part by higher freight and commodity costs in recent months. That's what made the change of tone on pricing so noteworthy.
Makers of consumer packaged goods have been dogged by concerns that they're unable to raise prices , and because their input costs have been rising, their profits and stock prices have suffered as a result.
There's a collective-action problem here. One company might avoid raising prices out of fear that its competitor would undercut by keeping prices low. In particular, a branded product that's already more expensive than its private-label equivalent is afraid of raising prices.
Analysts on the TreeHouse earnings call were understandably intrigued to hear that the private-label options were about to be more expensive. The president and CEO, Steven Oakland, defended the decision, saying: "Our margins are our margins, and so passing commodities on, I think is a reasonable conversation."
This is likely the start of "breaking the seal" and allowing the whole sector to raise prices now that the store brands are raising theirs. And yet, people are most likely going to end up eating more or less the same as they did before the price increases. The cost cutting will happen elsewhere in American households' budgets.
If $500 a year comes out of a household budget because, say, gasoline and food costs rise, that leaves $500 less of spending power for everything else. Will people put off upgrading their smartphone for an extra few months? Will they put off buying an automobile or home appliance for an extra few months? Will they cancel their Netflix or Spotify subscription?
As there is less and less doubt that an uptick in inflation is coming, these are the sorts of questions facing investors. Will wages rise along with inflation, in that ideal positive-feedback loop? Or will Americans have to cut back on something?
This column does not necessarily reflect the opinion of the editorial board or Bloomberg LP and its owners.
To contact the author of this story:
Conor Sen
FOOTWEAR Ankle boots SEXY WOMAN Looking For With Mastercard Cheap Online Shop Cheap Price Sale Enjoy 2d6KBkcm
Copy and paste to share this video
Copy and paste to embed this video
The Trump administration announced Thursday it wants to redefine several parts of the law that protects polar bears and other endangered species in the U.S., a move that advocacy groups say will "slam a wrecking ball" into efforts to keep animals from becoming extinct.
Under the proposals, the U.S. Fish and Wildlife Service would change how the government decides which species should be protected as "endangered" and how parts of the country are established as critical for protecting a species at risk, prioritizing areas where an endangered species currently lives before granting protections for other areas.


text:
Scott Daniel Gibson's family in tribute after fatal A590 crash
The family of a motorcyclist killed in a crash with a police van have paid tribute to a "caring and loving lad".
Scott Daniel Gibson, 23, of Barrow-in-Furness, died on the A590 between Melton and Lindal at 22:30 BST on Friday.
A family statement said: "He will be sadly missed by all who knew him."
Cumbria Police has referred the matter to the force's professional standards department and the Independent Police Complaints Commission.
'Big smile'
Scott's younger brother, Matthew, said: "You were a massive part of my life.
"I honestly don't know what I am going to do without you.
"You have touched so many people's hearts. Keep that big smile brother.
"Mam and Dad are in safe hands with me. I will make you proud. Love you."
A family statement said mechanic Mr Gibson was a "car and motorbike fanatic" who loved tinkering with his bikes.
The former Parkview School pupil, of Lesh Lane, worked at Mowbray's Autos in Barrow and had been a motorcyclist for three years.
His boss, Dave Mowbray, described him as a loyal friend.
The police officer who was driving the van was taken to Furness General Hospital suffering from shock.