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The 10 Stocks to Watch in 2014
Twitter, Salesforce.com, Nike, and FedEx are among the names attracting our expert contributors' attention.
Microsoft: The Once (and Future?) King of Tech Is Getting a New CEO and a Fresh Start
By Michael Comeau
The challenges are obvious: Microsoft has to A) gain a bigger foothold within the mobile computing industry, B) keep the legacy PC industry afloat as long as possible, and C) build a better brand name.
The latter objective may be the most important, and most challenging.
Too many consumers view Microsoft with disdain, or worse, apathy, because of past product quality issues and poor product planning. The Xbox brand has a large and loyal following, but gaming has never been a serious profit center for Microsoft.
With a fresh start under a new leader from the outside, will consumers view Microsoft any differently?
We're about to find out.
Michael Comeau edits Minyanville's Buzz & Banter and is also a regular columnist on Minyanville.com, focusing on technology and consumer stocks. Read more of his work for Minyanville, here.
Exelixis: An Admittedly Unconventional Biotechnology Pick
By David Miller
Exelixis (NASDAQ:EXEL) is an admittedly unconventional pick from the biotech space. It's not one of the new IPO class of billion-dollar, barely Phase I companies. It's not unknown and certainly not overloved, though I think it's been overlooked.
The company's only focus is advancing Cometriq (aka cabozantinib). Already on the market for the treatment of relatively uncommon medullary thyroid cancer, Exelixis is seeking broader approvals in the treatment last-stage prostate cancer, second-line kidney cancer, and second-line liver cancer. There are positive Phase II data on the drug in these indications, so the clinical trial risk isn't as high as other companies. So why is the company overlooked?
The first trials in the prostate cancer space are a bit of a head-scratcher to some of us who fancy ourselves experts in such things. But most of all, there was nothing interesting going on in 2013 -- bad news for our, "what have you done for me lately" markets.
That changes dramatically in 2014. The so-called "COMET" trials in prostate cancer return data. If positive -- and that's not a given -- they'll open up the lucrative prostate cancer space.
Much less appreciated is melanoma data coming in the first half of 2014 from cobimetinib, a drug Roche Genentech (OTCMKTS:RHHBY) acquired from Exelixis. If positive -- and most people I know think the trial will be positive -- this unlocks a $400 million initial market in front-line melanoma. Exelixis gets 30-50% of the US profits from cobimetinib and a 10-15% royalty on ex-US revenues. Almost none of the buy-side analysts have cobimetinib revenues in their models, so positive data will almost certainly lead to hikes in price targets.
David Miller is the Portfolio Manager for hedge fund Alpine BioVentures. David is also the former CEO of the independent research firm Biotech Stock Research. In addition to co-founding BSR, Mr. Miller currently co-teaches an entrepreneur's workshop for the Center for Student Entrepreneurship at the University of Washington - Bothell. He is a regular contributor to Minyanville's Buzz and Banter. Read more of his work for Minyanville, here.
Disclosure: Miller has a position in EXEL.
Rockwell Medical: Disruption in Progress
By Jonathan Moreland
Safe, boring businesses can be vulnerable to disruptive technology. Rockwell Medical (NASDAQ:RMTI) is both safe and potentially disruptive, and looks like a good bet to alter the staid dialysis business from within.
Rockwell is one of only two major suppliers of dialysate (a chemical used in dialysis) in the US. Unfortunately, this stable business is not particularly profitable due to pricing pressure from much larger competitor, Fresenius (NYSE:FMS). Caps on reimbursement from Medicare and Medicaid for dialysate don't help either.
Rockwell's dialysate business has, however, opened a valuable channel for this trusted supplier to sell related, higher-margin products through to a very concentrated customer base. That's what Rockwell has been focused on doing for years, and the risks of its past efforts are finally translating into rewards for shareholders via two new products: Triferic and Calcitriol.
Triferic is a potentially disruptive drug that replaces the need for iron to be intravenously delivered into dialysis patients. It has both clinical benefits for patients, and economic benefits to dialysis providers by reducing the need for costlier drugs now used in the process.
Both the efficacy and safety of Triferic were clearly shown by clinical trials that wrapped up last summer. Rockwell can now file a new drug application (NDA) for Triferic in early 2014, with expectations of getting the drug in place to attack a $600 million annual market opportunity by the end of 2014.
Rockwell also looks likely to get its new generic vitamin D product, Calcitriol, to market by the end of 2013. All that's left in the process is to receive FDA manufacturing approval. Calcitriol is also used in dialysis, and it's the lowest cost option around, targeting a larger market estimated at $350 million per year.
I bought into Rockwell in early August 2013 for its sum-of-the-business value, after a troika of insiders with excellent track records generated a clearly bullish InsiderInsights Company Rating for RMTI. While the stock is up by nearly 200% since then, the risk in the Rockwell investment thesis is also much lower now that Triferic's clinical risk has passed. Also to the dismay of persistent short sellers, the company's liquidity risk is now negligible after it successfully raised cash earlier in 2013.
Management believes its cash balance is sufficient to cover continuing operating losses until Triferic is launched in late 2014. Rockwell's income statement should improve before then, however, from Calcitriol's revenue contribution and sharply lower R&D expenses. When they hit the market, both Calcitriol and Triferic should also prove to be an easy, cost-saving sell to Rockwell's established customer base, which includes close partner (and potential acquirer?) DaVita HealthCare (NYSE:DVA).
While experience shows that the FDA can find unexpected ways to disappoint those awaiting its decisions, the odds of FDA events being favorable to Rockwell appear very good. Yet with risk now much reduced, Rockwell's upside potential appears far from fully priced in. Even a risk-averse investor like me thinks this is one special situation worth "buying high" with the reasonable expectation of "selling higher."
Jonathan Moreland is the Founder and Director of Research at InsiderInsights.com, which offers users a weekly newsletter, real-time insider trading data, and analytics. Every day, Minyanville publishes a story featuring InsiderInsight's top insider trades filed with the SEC. Those stories can be viewed, here.
Salesforce.com: A Grand Metaphor for the Great Rally
By André Mouton
There's a special place in my heart for metaphors, and I'll be watching Salesforce.com (NYSE:CRM) because, in some ways, the enterprise solutions company has become a grand metaphor for the Great Rally. The stock shows us so many of the trends we've come to expect in the last few years: rising market cap, falling volume, persistent short interest. There are plenty of bears, but instead of restraining the market, they've only fed it. The second half of 2013 has been absolutely brutal to the shorts, and capitulation may be in the air -- but I wouldn't bet on it. It's one thing to catch a falling knife, and another to stare down a freight train.
In terms of its business strategy, Salesforce.com is truly a creature of the present. The focus on top-line growth, the long chain of acquisitions to achieve that growth, the use of stock options to fund the business, and the preference for non-GAAP earnings that hide the scope of those stock options-- I could be describing any number of popular tech companies. If the world were always sunny, we wouldn't need roofs; and so long as markets are being generous, these companies can nurse their perennial losses without getting investors wet.
With the rally entering its sixth year, it might be wise to keep an eye on the weather forecasts. This means watching companies that, like Salesforce.com, have captured the market's hopes (and its wallets), and which have the most to lose should that enthusiasm give way to fear.
André Mouton is an independent investor who cut his teeth in the dot-com crash and chewed his lip in the financial crisis. He is a former writer for Offbeat Magazine in New Orleans and a touring (but not itinerant) musician, who now lives in New York. Read more of his work for Minyanville, here.
The 2014 Debt Collector
By Duncan Parker
Virginia Beach, VA-based Portfolio Recovery Associates (NASDAQ:PRAA) has experienced an incredible run of growth that doesn't look to be ending anytime soon. The 2014 US economy will likely best be described as "concerning." As such, companies with slow-paying debtors will hire companies like Portfolio Recovery Associates to collect on their behalf while keeping their own balance sheet looking solid. From a fundamental standpoint, Portfolio Recovery's balance sheet deserves an A+. Its opportunity to charge off around $100 million in goodwill (deferred taxes) in the future highlights savvy management at the helm. Its small market cap (around $3 billion) means exponential growth is very possible.
Click to enlarge
From a technical lens, a pullback seems possible near-term. Why? My guess is its affiliation with numerous indices could cause this baby to be thrown out with the bath water if we experience a pullback from another debt ceiling debacle. Therefore, Portfolio Recovery Associates is likely more of a second-quarter 2014 buy. Keep this one on the radar!
Duncan Parker left his position as a Financial Advisor at Merrill Lynch in 2012 to focus his time on a handful of high-net-worth clientele and further develop systematic trading algorithms. He is now a Managing Member of Queen Anne's Revenge, LLC/LP, an RIA and hedge fund employing quantitative strategies through data mining seasonality trends with technical analysis in equities, options, futures, and foreign exchange markets. He is a regular contributor to Minyanville's Buzz and Banter. Read more of his writing for Minyanville, here.
Flotek Industries: A Long-Term Fracking Play for 2014
By Brandon Perry
As America continues on the path of energy independence, I have been looking for some good long-term fracking plays. My favorite in the space is Flotek Industries (NYSE:FTK).
This company is on the Chemicals side rather than on the Exploration & Production side of things. From a fundamental perspective it has just about everything you want: P/E around 20 with a growth rate of close to 40, giving it a low PEG of around 0.5. Plus a return on equity of 29! Net margins are around 15 where 10 is more typical, so management is running an efficient company. It has multiple product streams for further penetration with existing customers. Product lines include drilling products as well as all the various chemicals required for the fracking process. I see the fracking chemicals becoming a lead -n type of product to get its foot in the door and allow for additional product sales once it has established a relationship with the customer.
The balance sheet has high liquidity, with a current ratio around 1.5. Balance sheet management has been top-notch, in my opinion.
The cash-flow statement is a little concerning on the free-cash-flow side at first, but it is distorted by the recent acquisition, as well as by refinancing measures to reduce interest rates on long-term debts. These adjustments have hit cash flows near-term but build sustainability in the long run.
Technically, the company's stock price is in a strong uptrend, which is exactly what you look for in a small growth company. I could easily see this thing doubling in a year, and doubling again in five years. It is pretty much a "catch it on the 50-day dip" type of stock.
Click to enlarge
Brandon Perry is the president of Perry Investment Management, LLC. In addition to managing money, Brandon teaches Financial Planning at his Alma Mater, UT Austin, writes the financial columns for Influential Magazine, contributes to Minyanville's Buzz and Banter, and is very active in helping people with their finances in his church. Read more of his writing for Minyanville, here.
Disclosure: Perry has a position in FTK.
FedEx: A Reliable Economic Indicator With a Strong Balance Sheet
By Oliver Pursche
How will the economy fare, and will the Fed begin to taper its asset purchases in 2014? These are the principle questions on investors' minds. The transportation sector has long been viewed as a leading indicator of economic activity, and by many as a forecasting tool for the stock market's direction (i.e. Dow Theory). This is why I think FedEx (NYSE:FDX) is one of the stocks to watch now and in 2014. I prefer FedEx over UPS (NYSE:UPS) and other transportation and delivery companies because it continues to gain market share from its competitors, particularly in the US, making it an even more reliable indicator. Moreover, much like the overall market, FedEx is displaying strong technical momentum at this time. Revenues for the company are expected to rise 4% in 2014 about in line with the median forecast for revenue growth of the S&P 500 constituents. Similarly, EPS for FedEx is expected to rise by just over 13% next year, also a near mirror image of the S&P 500 as a whole.
From an investment perspective, I like FedEx because of its strong balance sheet and easy-to-understand business model. Revenues and earnings should grow nicely over the next few years and the company has a healthy, growing net cash flow from operations. Lastly, heading into 2014, I am favoring cyclical companies, in particular, those that should continue to benefit from falling commodity (e.g. gasoline and energy) prices.
Oliver Pursche is the President of boutique money management firm Gary Goldberg Financial Services, is in charge of all business operations, and serves on the firms' Investment Committee, Executive Committee, and Board of Directors. Pursche is also a Co-Portfolio Manager of the GMG Defensive Beta Fund (MUTF:MPDAX). Read more of his work for Minyanville, here.
Disclosure: FDX is a holding in MPDAX and some separate accounts at GGFS.
By Justin Sharon
Justin Sharon authors Minyanville's stock upgrades and downgrades articles every morning. He has extensive experience on Wall Street, most recently at the Private Client unit of Merrill Lynch. A 12-year spell in its research department encompassed the eras of Blodget, boom, bust, and Bank of America. Read more of his work for Minyanville, here.
National Fuel Gas: Mind Your Own Fracking Business
By Howard Simons
When we take a look at the energy industry through the lens of history, an interesting and somewhat unexpected trend emerges that can be summarized as heavier to lighter in the fuel source. Once we got beyond the basics of inefficient one-year captures of sunlight in the form of wood and figured out multiyear captures of sunlight in the form of fossil fuels, we went from coal to fuel oils to kerosene to gasoline and then eventually to natural gas.
Dreamers think we will shift one fine day from hydrocarbons to hydrogen, but I have been listening to that nonsense for more than 40 years now. As Germany is finding out the hard way, if you want an omelet you have to break some eggs, and that means fossil fuels or nuclear; if you want high-cost intermittent energy, have I got a deal for you with wind and solar. And, yes, the best substitute for imported petroleum is domestic petroleum; stick that in your distillation tower and crack it.
The world is chock-full of methane; the trick always was extracting and transporting it economically. Now that large-scale fracking has proven its value in the former, the value proposition will concentrate once again in the latter. This is why I find a firm such as National Fuel Gas (NYSE:NFG), an integrated natural gas company located in Williamsville, New York, intriguing.
Undiscovered? No; no issue with a 45.25% one-year total return falls into that category, and its forward P/E of 22.35 hardly makes it cheap. But it is in all segments of a growing industry and is well-situated geographically to take advantage of a regional market where supply is constrained politically by New York's aversion to fracking. Should New York allow widespread fracking in the Marcellus Shale, National Fuel Gas is positioned to go along for the ride.
Howard Simons is the President of Rosewood Trading, Inc. (AKA Simons Research), and strategist to Bianco Research. He writes on macroeconomic and financial market topics including fixed-income, commodities, currencies, derivatives and equity markets, and is the author of The Dynamic Option Selection System: Analyzing Markets & Managing Risk. Read more of his work for Minyanville, here.
Following the Early Path of Google
By Sean Udall
Sean Udall is an investment strategist, portfolio manager, and proprietary trader with extensive experience across a wide variety of asset classes, including equities, fixed income, currencies, and derivatives. He's a recognized trader, prolific writer, and the founder of the TechStrat Report, a technology-focused investment newsletter from Minyanville. Read more of Sean's commentary, here.
Disclosure: Udall has positions in Facebook and Twitter.
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Tandem is shutting down on May 15th
Testimonial for Customer Support and Team Workflows Ryden Project & Building Consultancy are a construction project management business and we needed to find a way of supporting our Google based email and allowing team members to be able to understand and access what is happening on certain projects. Tandem does this for us and we are happy with the product and importantly the support that we have been offeredAndrew Cliff
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Fight Night Round 4
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- Blacklight: Tango Down shoots up XBLUpdated Jul 7, 2010
- EA reveals new Fight Night, Online Pass requirement for Madden, EA MMAUpdated May 12, 2010
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We're jerks! We just realized that our email list sign-up form was connected to an old service, so if you signed up for HnP email alerts prior to 10:31pm PST, your email was tossed into a lifeless void that will provide nothing but loneliness. Please sign up again (we know, it's sucky) to make sure that you can be included on low-impact series of electronic notifications re: live shows, TV appearances, new releases and whatnot.
Say, Last Paragraph, you bring up an interesting point: New Releases…
We've already received some emails asking about songs that were on the Comedy Central special that are not on the album or iTunes. We plan to "drop" those and a handful of others very, very soon, so we'll let you know as soon as that happens (if you signed up for the email list (if you signed up after 10:31PST)).
Thanks so much to everyone who watched the show and has sent us nice words!


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GSBGEN Fiscal Policy
Business Law: Tax Law
Business Law
Tax Law
Law School Courses
Related Law Courses by Topic
Courses Outside SLS by Topic
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Fiscal Policy
Graduate School of Business
Recommended for route(s):
[ Academia ] Business Law: Tax Law
Why it is relevant for ...
[ Academia ] as a Relevant Course outside SLS for those interested in Policy Analysis : Policy lawyers in almost any substantive area can benefit from an understanding of the federal budget and how U.S. fiscal policy affects spending on domestic needs like education, health care, energy and the environment.
General course Description:
One of every four dollars in the American economy will be spent by the federal government this year. This course will examine how federal spending, taxes, deficits and debt affect the U.S. economy and global financial markets, and how the economy affects the federal budget. We will look inside the federal budget to understand entitlement spending, what causes it to grow so fast, how it could be reformed, and why that's so hard to do. We'll understand where the money goes -- how much goes to infrastructure, education, housing, health care, energy and the environment, parks, scientific research, national defense, and other needs. We'll look at the stimulus vs. austerity debate, both within the U.S. and between the U.S. and Europe. We'll look beyond partisan battle lines and explore various fiscal philosophies that sometimes split the political parties. We'll cover the federal budget process from developing the President's budget to enacting individual spending and tax bills, and discuss process reforms including spending and deficit reduction targets, a balanced budget amendment, and line item veto. We'll cover the major players in the budget debate and understand where the big and small budget decisions are made. We'll look at federal taxation, where the money comes from, how it affects the economy, and how it might be restructured. We'll examine the recommendations of the President's budget commission and see if we can predict what will become of its recommendations. And we'll see if we, as a class, can solve our nation's fiscal problems as Washington has so far been unable to do.
Course Style: A Substantive/ Perspective course looks at law from an external or non-traditional standpoint.


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We take pride in our pints, and we're proud to serve a range of crafts, ales and lagers throughout each of our pubs. Every Thursday, we're offering our range of cask ales with 20% off as part of our 'Cask Club' promotion.
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Join us every Thursday for our Cask Club, and try something new. Ask a member of our team for more info on our selection of available draught cask ales and craft beers.


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I'm an Intrapreneur by day, creating a program from the ground up in the Advanced Energy division of Medtronic, Inc and an Entrepreneur by night, building the brand, Stilettos on the Glass Ceiling (SOTGC).
I'm a strategic change agent who employs education and development tactics to create paradigm shifts that drive business results.
**The views expressed in these articles are Marney's own, they have not been reviewed or approved by Medtronic, Inc


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Saturday, November 3, 2012
By The Way.
31 comments:
- Renee said...
- This comment has been removed by the author.
- November 3, 2012 at 10:52 PM
- Renee said...
I know it.
I live it.
I love it.
Love your blog, Mandi!
(yes, I deleted the one above because I put a y & I knew it was an i & now I feel like lamesauce.)
- November 3, 2012 at 10:54 PM
- Michelle Johnnie said...
YOu said it like no other blogger! You said it in Mandi language! Love it!
- November 4, 2012 at 12:20 AM
- Make Me Over said...
I had guessed but in the context of this blog, your religion isn't my business :) Your joy of life, your family and constructing stuff is what brings me to your blog! But I'll be sure to ask you if I have any questions about your religion.
(Greetings from the UK)
- November 4, 2012 at 2:53 AM
- frances said...
Well I am an non practicing Catholic who goes to the Church of the Nazarene...neither one of these things will stop me reading your blog. We all have the right to believe what we want. Doing and being good is what matters..Cheers Frances
- November 4, 2012 at 5:14 AM
- COTTAG3 said...
A blogger's religion doesn't matter to me. I like to read helpful and inspiring blogs from people who have a sense of humor and appear to be genuinely good people with the same everyday challenges we all have. Besides, I grew up in the era of the Osmonds; a true fan club member who saw them in concerts. They are good people with good morals, sense of family and sense of humor and they happen to be mormon. Never gave it another thought.
- November 4, 2012 at 6:38 AM
- Nancy said...
Love your blog! Will not stop reading it and I love your bubbly personality!! Your religion doesn't make one difference to me!
- November 4, 2012 at 7:41 AM
- Cherish said...
I know little about mormonism, though had guessed you were christian. This post simply made me love you more than I already had. :)
- November 4, 2012 at 8:20 AM
- Evelyn said...
Fo sho!
- November 4, 2012 at 8:27 AM
- saraspunza said...
I love this post. No matter what one's religion or belief system is, we are all connected in this beautiful life. I think it is our responsibility to be welcoming of all people and you, my dear, set the stage for that with your post. The more that we can step out there and expose (not in a naughty way!) parts about ourselves, even the "bad" parts allows others to do the same and this has to be in our best interest. To know each other. To honor each other.
Thank you!
- November 4, 2012 at 12:12 PM
- Ann Marie Heasley said...
I think I was tipped off when I saw diet pop (not soda. pop.) in one of the pictures. Yay for shouting it out! I am Catholic and don't talk about it for the same reasons you don't. It's weird, because in real life I AM very devoted to my faith.
Now that we got this out, you can run for President and I can be your VP. Mmmkay?
- November 4, 2012 at 1:02 PM
- Janice said...
I've never posted here before, but I've been lurking around for about two months now (sounds creepy, I know - sorry) because I love reading your blogs. They make me laugh and leave me feeling INSPIRED. We just bought our first place and it's a real fixer-upper (please don't ask.....it's a nightmare). I strongly suspected that you were a Mormon for a while now - the lack of coffee and alcohol was a dead giveaway LOL! Me? I was born into a Protestant family (although my parents were raised as Catholics) and then in my tweens my family became Mormons for a few years. Now as an adult (I'm a grandmother of two here), I no longer believe in Christianity and I consider myself an Atheist with strong Zen Buddhist leanings (yet another two widely misunderstood philosophies). Annnnnyway, my point is that I'm a decent humnan being and I respect other people's beliefs and hope that they respect mine in return - I'm all for the freedom of religion and I support human rights. So I don't care if you worship Justin Beiber as long as you're a good person (okay, maybe I would care about THAT), But your religion is not an issue as far as I'm concerned and I love your blog and you sense of humor. So keep up the great work, girlie! :)
- November 4, 2012 at 1:55 PM
- Tracy's Trinkets and Treasures said...
We hung out with some Mormon missionaries earlier this year. We visited so long that my husband went and bought us all Chick Fil A. They were super nice and stopped by the house off and on for awhile. I haven't seen them in months though. I liked them and I like you. I decided not to join their Mormon church and they still liked me. I bet you still like me too. :)
- November 4, 2012 at 6:26 PM
- gochisholmsgo said...
Thanks for putting yourself out there as an advocate for your faith. While I am not a member of the LDS church, I have many close friends who are and it makes me so mad that there is so much misinformation out there. It's great when folks (in this case, you!) not only speak up but also are available as resources for learning.
- November 4, 2012 at 7:22 PM
- Bethany @ A Fish Who Likes Flowers said...
I never care about what a person's religious beliefs are, as long as they aren't harmful to anyone else. My religious path is difficult for a lot of people to understand, therefore I have a tendency to keep it personal. But if you're really curious, just ask and I'll e-mail you the answer. In the mean time, your posts always give me a reason to laugh, which I definitely need a lot of these days, so we can definitely be buds.
- November 5, 2012 at 2:30 AM
- SueAnn Lommler said...
I didn't know that..but it is of no nevermind to me!! I enjoy you and your blog...!!
- November 5, 2012 at 6:14 AM
- Amie said...
Mandi - your faith is part of you. I admire your ability to share your faith with others. I know I am called to share mine as well, but feel uncomfortable doing so. God is Lord. He is THE Way, THE Life,THE Truth. May I strive each day to live a life worthy of His love.
Kudos to you.
- November 5, 2012 at 6:22 AM
- Lisa @ Shine Your Light said...
- This comment has been removed by the author.
- November 5, 2012 at 9:29 AM
- Lisa @ Shine Your Light said...
- This comment has been removed by the author.
- November 5, 2012 at 9:34 AM
- Lisa @ Shine Your Light said...
You're awesome. I adore your love of your family, that your faith is the center of your life, and that you share cool things you build on this blog. The end!
- November 5, 2012 at 10:48 AM
- Jen said...
I'm a Mormon.
I Know It.
I Live It.
I Love It.
Be proud of who you are no matter what religion, political view, size, shape, color. (Yada, Yada you get the point, Right?) NEVER BE AFRAID TO ADMIT IT!
I swear we should be besties. The more I learn about you the more I love ya. (Don't cha know) Like the kind of besties that text each other every 15 mins with stupid movie quotes and poo stories. Because face it, who doesn't love a good poo story. Especially one with a happy ending :) Was that a pun? I think so.
One day we will meet and it will be... Legend...wait for it.... wait for it...dary!!!
Oh and back to the Mormon thing I created this printable to share with all you Mormons out there. If you want it, I'll send the file your way.
- November 5, 2012 at 1:36 PM
- The McKSneds said...
I thought so!! I came across your blog a couple weeks ago and stayed up for most of the night reading your hilarious posts. I am a Mormon too and love the gospel. I love your blog too. You make me laugh. I love moulding and trim too. Can we be friends?! ;) I have a McKenna too. She's my oldest though. You have inspired me...in fact, I am making your pallet swing right now! I look forward to reading your blog--keep up the great work!
Shelley Rexburg, ID
- November 5, 2012 at 3:48 PM
- Suesan Kennard said...
Just one of the many, many things I admire about you! Thanks for sharing. You let that light shine, Girl!
- November 5, 2012 at 4:09 PM
- Miranda said...
I knew that already. And guess what? I'm one too, AND I also have questionable-ish language sometimes. Ok, maybe crude is better. I live with an ex-Navy man and have 3 sons(and one daughter-just like you! And the girl is the youngest, too! Ok, off that topic.). Anyway, I love your blog and would read it even if we didn't have religion in common. You rock!
- November 5, 2012 at 7:19 PM
- Carolyn Dennis said...
I guessed... Not because I spied a picture of a temple somewhere in your house, but due to the number of Princess Bride quotes. Isn't that Utah's state movie or something?
Love your blog, love your humor, love it all.
- November 6, 2012 at 2:08 PM
- Jyllybean said...
I've been a "lurker" too - being inspired by all your ideas!
Thanks for putting yourself out there. While I'm not Mormon, I know that the (non)information that's been all over is so wrong.
You couldn't have said it better.
- November 6, 2012 at 2:21 PM
- Janelle said...
I just read all your comments from your readers and I love them. What great people you have reading your blog. I have to say that I did guess that you were a Mormon because I sit by you at church sometimes. Even with questionable language I see your Christian-ness all the time. You are constantly servicing others and you are a great example to me.
- November 6, 2012 at 4:33 PM
- Mrs BC said...
Hey Mandi! I love your blog, because you are funny, real and have awesome woodworking skills that I fin inspiring. I'm happy your spirituality is fulfilling!
- November 8, 2012 at 5:55 AM
- Troubled toad said...
Hi Mandi! Love your courage and faith, don't change, you are the best! I love reading your blog and will not stop. I don't know if you remember me. My hubby and I were going to move to Iowa and buy an old, old house and fix it up, but have decided to postpone our trip till the spring. Way to much snow there now! We still have the plans to undertake this project, but will have to wait. Until then, we have moved to a double wide Mobil home on two acres. The "children " aka our doggies are very happy. Will take pics of the view, which is awesome, and send some. Till then happy blogging and " may the force be with you " LOL.
Cynthia 😉
- November 11, 2012 at 1:30 PM
- Emily said...
You are one of the best people I know! I love that you are never afraid to say it how it is!
I know others have said it, but I do love the "I know it" quote,so true in your case,it always has been!
You do know it
You do live it
and you do love it!
- November 12, 2012 at 11:57 AM
- Michelle Lunt said...
What an awesome post. Thanks for sharing your testimony Mandi. Wish we could hang out in real life because I think you're hilarious.
I ALSO love it, live it, know it.
Warmly, Michelle
Faith, Trust & Pixie Dust
- November 15, 2012 at 9:33 PM


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Fuller's Trees Have Second Lifeby Jim Amidon • August 14, 2006 Share:
I'll never forget driving on the Wabash campus on the night of April 15. It was maybe 30 minutes after violent thunderstorms and high winds had swept through Crawfordsville leaving a path of damage impossible to imagine.
Aside from the damage to my own house, the first thing I saw was the roof of Wabash's old Kingery Hall, mostly ripped off and laying in the middle of the railroad tracks off Grant Avenue.
The trees — pines and maples, mostly — that surrounded old Kingery and that made it such a pristine spot on campus were broken in half with limbs scattered all over the ground.
I then walked north through the Fuller Arboretum when I came upon one of my favorite trees in the stand, a giant and very old white oak. The oak, which had withstood over 100 years of similar storms, blizzards, and ice, had fallen. On its way down, it either damaged or took out a couple maple trees and maybe a hemlock.
The scene changed little as I walked through the woods and out onto the College's grassy mall. I stood and looked north up the drive of the main entrance and could barely make out Trippet Hall in the background. The drive was covered with downed trees, spruce and maple. The losses there were complete; other trees — 14 or 15 spread across the Arboretum — had been badly damaged.
We were just weeks away from the end of classes and less than a month away from graduation, which would be followed a couple weeks later by reunion weekend. So Wabash's Sodexho Campus Services team had little time to do anything but clean up the mess. And what a mess it was.
By Commencement Weekend, unless you looked closely for signs of the damage (or saw the huge blue tarp covering Kingery Hall), you probably hardly noticed that a storm had come through.
A week after reunion weekend, crews began the work all over again. The 15 trees badly damaged in the April storm were taken down in early June. In many respects, the trees appeared healthy to the naked eye. But grounds supervisor Tim Riley knew that because of deep cracks and breaks in the bark, the trees would soon become diseased and die.
So down came the trees in a flurry of activity over a couple of weeks in the heat of June. I quickly began to wonder what was happening to all of the trees that seemed to disappear from the Arboretum minutes after they had been sawed to the ground.
Last week, Tim Riley came by my office to complete the story; what a remarkable story it is.
The good wood from the trees was harvested and donated to the Montgomery County Woodworkers and Carvers. Prior to Tim's visit to my office, I never knew the group existed!
I've since discovered the Woodworkers and Carvers club is 60 members strong. I found out that many of the trees became useful logs that were sold for lumber with all proceeds from the sale going to promote 4-H Woodworking in Montgomery, Putnam, and Parke counties.
Other trees and logs have been fashioned into a full range of useful items and furniture. Last week Tim brought me several beautiful ballpoint pens that had been handcrafted from the wood of a giant maple tree. He also shared with me a thoughtful thank you note from the Woodworkers and Carvers, signed by more than two-dozen of the group's members.
The note said quite simply, "Thank you, Wabash."
I share this story for two reasons, the first of which is to draw attention to the good work of the Montgomery County Woodworkers and Carvers.
On a more deeply personal note, the story provides a wonderful lesson on the cycles of life. What appeared to be a ruinous loss for Wabash College became a wonderful gift for many others. The hefty trees that shadowed Wabash's most historic buildings live on in useful lumber that will build homes and furnishings, as well as keepsake mementos that may be passed on for generations.


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Once anabolic steroids enter the bloodstream they find their way to muscle cells where they act on the genes responsible for protein synthesis. Similar to testosterone, the steroids attach themselves to specific receptor sites inside the cell, where DNA is stimulated to direct ribosomes, to manufacture greater amounts of protein.
Because steroids work synergistically with vitamins and minerals to facilitate the protein synthesis, supplements are usually taken with the steroids. A need must be present in the organism for protein synthesis to occur. This need is natural in anemic or malnourished individuals. with healthy athletes the need is produced by extremely heavy weightlifting.
The problem comes when not all of the anabolic steroid molecules reach the cell receptors. Those molecules float around in the bloodstream until broken down in either the liver or while still in the bloodstream. These by-products are believed to cause the unwanted side effects, although not in ways currently understood. Attempts by scientists to solve these problems have in turn caused additional side effects.
Reported Side Effects of Anabolic Steroids Gym talk has been quick to describe this effects, and many people from first hand experience know what they are. The following list is by no means exhaustive, but the main side effects are listed.
Liver Function Alterations - Scientists are not sure of the long term effects of steroids on the liver. The short term effects are reversible. when anabolic steroids are discontinued. However toxic hepatitis can be brought about if the steroids are continued.
Anabolic steroids can if necessary precautions arent met also interfere with blood clotting and it is also know that it could effect the metabolism of glucose, triglycerides, and cholosterolis in turn this can also lead to an artery plaque. You should avoid anything Anything affecting glucose as to diabetics or prediabetics it can be dangerous.
Steroids seem to keep the liver from breaking down cortisol, and since cortisol is considered a stress hormone, it enables one to train harder. Impairment of the cardiovascular system seems to be the biggest risk of all the reported side effects.
Many athletes report greater water retention when on steroids. Fluid /electrolyte balance is thought to be related to hypertension. This can be caused by steroids effect on the adrenal cortex which helps the body to maintain a good electrolyte balance. Be careful when you use Steroids that you dont increase both potassium and nitrogen levels to high, this in turn will increase blood pressure. Blood pressure seems to return to normal once steroids are discontinued, but the long term effects are not known.
Increased Aggressiveness Testosterone is known to be a major factor in higher levels of aggressiveness in men than women. Criminals locked up for crimes of violence show higher levels of testosterone than nonviolent offenders. This can cause family problems, especially in body builders, training for contests, using large amounts of steroids.
If your muscles grow faster than your ligaments you may be at risk of damaging them and getting Connective Tissue Damage. This can be due to not working other muscles to support the faster growing bigger ones. This is why beginners should put in a year of heavy lifting, before trying power lifting.
Once you finish your Steroids cycle you will need PCT because you wll need to restart your bodys HPTA. All of this results in negative nitrogen balance, which keeps sufficient protein from being synthesized. Also joint soreness is common, which is caused by excessive training, during negative nitrogen imbalance. This can last as long as three months. It is probably best to gradually cut down on steroids to give the body time to adjust.
Anabolic steroids will give you extra motivation to train harder and better. The steroids work to make you bigger and stronger. However no one really understands the long term effects. Why be a guinea pig?
Why not learn a superior method of training in the first place? Quiz time. What is the most POWERFUL drug? WHOLE FOOD! You need to know what to take for your pre and post workout meals, nutrient timing, and meal design. You can mimic the effects of steroids using just diet and training.
To sum up this article. You are limited by genetics in how strong you can become. Anabolic steroids can only make you as strong as your genetic potential. But because of the undesirable side effects, you may want to substitute the old fashioned strongman way of training, for the high tech steroid approach. Natural training is truly superior to steroids for long lasting healthy effect. You can also reach your genetic potential by natural training.
To gain weight, and build muscle, your exercises should be the hardest, not the easiest. Think quality over quantity.
Your basic exercises should be compound movements (work both legs or arms at the same time), therefore use barbells. When you can do six reps add weight. Don't waste your times doing hundreds of reps for the stomach. These big muscle exercises work your stomach, while burning calories.
Take a two minute rest break between sets. Use a stopwatch. Record your workouts. When you lift a weight aim for two seconds up, pause, lower slowly for 4-6 seconds, pause, and repeat. Try to keep the weight workout time at no more than 45 mins.
A good rule of thumb for choosing exercises, is to look around the gym and ask your self what are the exercises everyone seems to avoid. These will end up being the hard ones, but the ones that work. Even then it is usually with a half hearted light weight attempt. Most people are either reading a magazine on one of the cardio machines, or siting down on a machine doing 12 super fast reps with half the weight they should be using. Sad but true.
Workout three days a week, with a day of rest in between. Get 7-9 hours of sleep a night. You should include a 1/2 hours of cardio on your days off, or after your weight workout. where to buy steroids Good cardio choices would be interval sprints, running, swimming, and jump rope. Also stretch for 1/2 the amount of time you lift weights.
When taking Anabolic Steroids, you will not only really feel better but appear much better as So we did get involved later on about steroids usage but I educated myself easily how to correct it.


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MyTeam Network Elmbridge
Keith Grover
Tuesday, January 15, 2019 at 12:30 PM (GMT)
Event Details
Join us for a Working Lunch to experience the power of the MyTeam Network!
What MyTeam is all about…
• MyTeam Network follows an innovative formula for a networking group based on observations of how networking works, and why people do it
• MyTeam is follows the principle of 'we are smarter than me!' (and 'stronger than me' too)
• MyTeam Network gives networkers 'colleagues'
• MyTeam works in the space between meetings - too many networkers do nothing apart from go to meetings (not because they don't want to, they just don't get around to it - our team system solves that for you!)
• MyTeam doesn't replace your existing networking – it enhances it
How it works...
We meet in a pub restaurant 12.30 - 2pm, and everybody chooses and pays for their own lunch (it's not included in the £10 event fee) - lunch dishes are typically £6-£8.
The 90-minute meeting is a group discussion and exchange of ideas, and we explore a business-related 'RoundTable Topic' chosen by the Members at the previous meeting.
We each partner with a networking 'buddy' for the next two weeks selected at random using the MyTeam method. Team Buddies arrange to have a 1-2-1 between meetings at a convenient time and place (or even on Skype) so they can get to know each other and their respective businesses, share contacts, and look for opportunities to help one another. This typically takes around an hour or so during the fortnight and we have a formula for you to follow.
Some unsolicited attendee feedback after just one of our meetings..:
"Great session today. Fantastic to see everyone on such sparkling form. As always came away with more knowledge than I started with. Great stuff!" Karen McKeogh, Business Assistance
"Great session guys - really enjoyed it." Matt Joblin The Creative Colony
"Thank you Keith I really did laugh today - thank you everyone. Matt really excited about your workshops and promoting them locally and Ian I can't wait for your next impression!" Jane Tyson Love What You Do
"Yes, ditto, a very lively and enjoyable discussion and got me thinking about my "avatar" whom I am thinking of calling Keith!" Mara Thorne The HR Lady (MT Consulting)
"What a riot! Never heard such laughter at a 'business' meeting. Great fun and a lot was learned." Tessa Hood, Angel Business Club
"Excellent meeting yesterday, perhaps more frivolity than usual, which made it even better. Thanks Keith." John Ballard, LimeTime Apps
"Great meeting as usual, I always learn such a lot from the experts in the room. What a fantastic bunch of people, thank you for the laughter too." Gillian Yates, Associate Partner with St James's Place Wealth Management
Commit2Do: At the end of each MyTeam meeting, attendees have the opportunity of committing (to themselves, in front of the Team) to tackle a challenge they are facing in their business or complete an specific task in a given timescale. This is totally optional, and a brilliant way of helping you to get things done. There's no penalty for failing to meet your self-imposed target - but it will motivate you by creating a sense of accountability to yourself!
How it all works - read the FAQs here or watch the video here...
FINDING THE VENUE: The Fairmile is between Esher and Cobham on the A307 Portsmouth Road
PLEASE NOTE: We are regularly over-subscribed ...hooray! (waitlist when full). If you book and don't show, you may not then book into another meeting in advance - but you can go on the waiting list.
When & Where
The Fairmile
Portsmouth Road
KT11 1BW Cobham
United Kingdom
Tuesday, January 15, 2019 at 12:30 PM (GMT)
Add to my calendar
Keith Grover
Keith Grover is a Marketing Copy Writer (and former English Teacher) with a growing reputation as an inspirational networking trainer and facilitator, specialising in helping businesses to use the powerful LinkedIn social selling platform .
He runs the popular free Networking in Surrey website and online community which helps people get out and network to develop and grow their businesses, and have a lot of fun in the process.
Informal. interactive and insightful, his presentations and workshops are full of light-bulb moments and wake up calls - nobody nods off when Keith fires up the Quattro!
IMPORTANT NOTE: if you have any difficulty in booking the date or event ticket you wanted, please contact Keith via the Contact the Organiser button here...


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Joana is a full time photographer and travels around the world for photos. For her creativity she is shooting also book covers. With her company phototourgroup.com she is offering guided photo tours, both private and group tours. Photogenic locations like Italy, Switzerland, England, Malta and Iceland are in her portfolio, but also India and other countries are available on www.phototourgroup.com You also might want to visit her website www.joanaimages.com - many of her photos can be purchased as a digital download. Her book cover work you may find on www.arcangel-images.com
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Psycadelik Thoughtz
Tighter Slim Fit T-Shirt
Beautiful Girl Gold Plated Necklace
Drake and B.o.B backstage. Plotting their world domination.
yeh they both the future! a collabo will do
Yeah~!Forever! I Have A Time Machine! Just for the ride!
I can go to the future.
U win hands down U waaay sexier, He should have never stood next 2 U, now ur even hotter.
My fav' rapper with one of my fav's rappers. Luv Drake but B.O.B is the B.E.T.T.E.S.T*
sorry 4 the bad english I'm french ;) like the pic


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Tolls could double without plan to refinance bridge debt.
The Leeville Bridge could see toll rates double if the bridge's debt doesn't get refinanced, according to state transportation officials.
The state is seeking to refinance about $175 million in debt to avoid yet another toll-rate hike.
Tolls are already going up by 20 percent in 2013.
Effective Tuesday, standard two-axle vehicles will see an increase from $2.50 to $3. Two-axle, six-tire vehicles will pay $4.50.
Three-axle vehicles and two-axle vehicles towing a two-axle trailer will pay $4.50. Four-axle vehicles will pay $6.25. And vehicles with six or more axles will see the biggest increase, going from $12 to $15 per trip.
State Transportation Department officials discussed the ramifications of not refinancing at last week's State Transportation Authority Board meeting, according to board chairman Sen. Robert Adley, R-Benton.
A state audit released in November found that too many people were crossing without paying and out-of-state drivers weren't being billed for unpaid tolls.
As a result, one of the bonds used to pay for the bridge's construction was downgraded to junk status.
State officials are now seeking more attractive repayment terms, according to Henri Boulet, executive director of the La. 1 Coalition, a nonprofit that advocates for improvements to the highway.
"No one wants to double the tolls," Adley said. "Interest rates being what they are now, refinancing hopefully will get us to the point where we can avoid that."
The bridge is used by Grand Isle visitors and a steady stream of trucks moving supplies to and from Port Fourchon.
Boulet estimates slightly more than 5,000 vehicles travel the bridge each day.
Boulet said refinancing the $175 million at a smaller interest rate should give officials the money they need to make the loan payments.
"Imagine if you can save 2 percent on $175 million, that adds up to a huge amount saved," Boulet said.
The refinancing application has been submitted the federal government. Adley said he hopes there will be an answer to the application shortly after the new year.
Boulet said if the refinancing is successful, it could save toll-payers $30 million over the span of the loan.
There has also been indication that the bridge has improved its previously leaky toll-collection rate.
A new toll-collection system was installed this summer and transportation officials say they are working to recoup toll money that previously went unpaid.
Boulet said the toll-collection rate is up to the industry standard of 95 percent. That bridge was previously missing 20 to 30 percent of potential revenue, according to a statement by the bond-ratings agency this summer.


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There's been a lot of talk about price-structure changes in the feeder, fed and even wholesale beef markets. So it's probably not surprising these differences are showing up in the bull and replacement female market this fall, at an unprecedented level.
A $2,500 average in a bull sale used to mean the bulk of the bulls sold in a range something like $1,800-$4,200, with the bulk selling between $2,200 and $2,500. Today, a $3,500 average, more often than not, means very few bulls sold between $3,000-$4,000, but rather they were either $5,000-$6,500 bulls or $1,500-$3,000 bulls.
This fall, we've seen $500 price differences between bred females in the same class on a daily business in sale barns across the country. While bred heifers might average $1,150, it likely means they sold for a $1,000 or $1,400, with not too many right at the average.
The message is quality matters like never before. As in other phases of the business, buyers are doing a much better job of assessing value. It has to be only a matter of time before the banking industry begins to adjust to these changes as well, with more sophisticated and complex means of assessing inventory values.
The days of assigning the same value to a producer's inventory that consistently sells 10¢ back of the market, as the producer who consistently sells 10¢ over the market, are numbered. Expect to have to provide much more historical and documented information on your marketing revenues rather than simple inventory numbers, or be relegated to accepting the least common denominator.
-- Troy Marshall


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There is no way the Philadelphia Eagles can afford a tie like Sunday's 13-13 game against the Cincinnati Bengals. The Eagles were nearly double-digit favorites against the Bengals, but with an ineffective Donovan McNabb at quarterback, they could manage only the tie with one-win Cincinnati. On Nov. 17, 1997, at Memorial Stadium, the Eagles and Ravens played to a 10-10 tie in a regular-season game. Both teams entered the contest 4-6, but each missed field goals in overtime that would have won the game.
It was the first NFL tie since the Browns and Kansas City Chiefs tied 10-10 on Nov. 19, 1989, in Cleveland.
WHAT HAPPENED: : The Ravens' offense could not convert on short-yardage situations in overtime, and kicker Matt Stover missed a 53-yard, wind-aided field-goal attempt with 2:21 left in overtime. The Eagles, forced to play with third-string quarterback Bobby Hoying, were able to march within field-goal range, but the Ravens escaped with the tie when kicker Chris Boniol's 40-yarder into the wind sailed wide right.
KEY STATS: : Ravens rookie running back Jay Graham rushed for 154 yards on 35 carries, and the Ravens' defense allowed just 63 rushing yards, keeping running backs Ricky Watters (36 yards) and Charlie Garner (21 yards) in check. ... The Ravens' defense collected a club-record nine sacks. ... Ravens quarterback Vinny Testaverde completed 19 of 32 passes for 140 yards.
QUOTABLE: : "It's just so frustrating; things just don't click when we need them to. I would have been happy if we'd won. I was considering this the biggest game of the year because it would have kept us alive" for the playoffs. - Michael McCrary, Ravens defensive end
"We didn't take advantage of the opportunities we had. In a game like this, that close, every chance you have, you have to take advantage and you have to make the most of it, and we failed to do that. I don't think the tie helped us at all. Our goal now will be to finish the season at 9-6-1." - Ted Marchibroda, Ravens coach
Source: Baltimore Sun archives


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|Please use the form above to get in touch with us. Thank you.
|Our Mailing Address (Please contact us for Pickup addresses):
|Dommelvalley Green Power - The Solar Shop
|Barrie, ON Canada
|We do not own retail stores. Warehouses are located in Ontario, Alberta and Britisch Columbia*
|* Applicable to most products, conditions apply
|Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan


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Russia discloses the reasons for the uninterrupted purchase of gold
For already several years Russia has been accumulating gold in its reserves. For instance, the previous year the amount of yellow metal increased reaching the figure of 1 238 tons. Before, the strategy of buying gold was not so obvious and there were just rumours. But the situation has changed.
Dmitry Tulin, representative of the central bank of the Russian Federation made an official statement about the purchase of gold providing the specific reasons as to why the supplying of the gold reserves of the country was necessary.
The primary reason is the fact that yellow metal is not subject to any political risk. Also, the official mentioned that gold is the most liquid asset. Indeed, in the times of political and economic instability, the countries always intend to back their national currencies with gold, increasing thus their gold reserves.
Gold investors do not just suggest the possession of gold for countries, but for individuals. Particularly besides the common use of gold as a safe haven asset to diversify investment portfolios, they suggest the possession of physical gold as the ultimate way to guarantee future economic stability.
The clients of the Emgoldex online store know about the economic power hidden in gold very well. They are confident in their choice to buy investment gold bars in the online store, because it ensures them financial independence and prosperity.
Share this piece of news in social networks and take care of your financial future!
Category: Gold news Publication date: 2015-05-28 10:59
|Gold Fixing | Price History


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Even though most companies won't bother with Windows 8 for at least another two years, we just heard from a CTO who is moving 4,000 PCs to Windows 8 as fast as he can.
He's buying thousands of Microsoft Surface PCs instead of iPads, too.
Windows 8 is just plain faster than Windows 7, he says. That's true even on old machines and with old software, he told Business Insider. (He asked not to be identified because his employer hasn't authorized him to speak about his company's technology strategy.)
In his tests, he said apps ran "15%-20%" faster on Windows 8 over Windows 7. That's a "noticeable" difference, he says.
"Any app that runs on Windows 7 runs better on Windows 8," he said, because Windows 8 needs less memory and boots faster. "It's a hell of a lot more responsive."
Because it's faster, he thinks many businesses will upgrade old Windows 7 machines to Windows 8, too, just to use Windows 7 apps in desktop mode. (We're not sure we agree. We tend to think that most companies won't move to Windows 8 until they buy new touch-enabled PCs, since Windows 8 feels clunk when used on non-touch PCs.)
Granted, this CTO also has about 1,000 Windows 7 machines and he's not going to upgrade them to Windows 8 right away, though he plans to do that eventually, too.
Over the next year, his team will first decommission about 4,000 old PCs and buy Microsoft Surface Pro tablets, which runs the full version of Windows 8, not the RT version. The Surface Pro PC hasn't been released yet but is expected to available by Februrary.
"For a large part of the executive team, we do need mobile devices and we were leaning towards the iPad," he said. "That's that's changed with the Surface."
"The big killer app for us is Office," he said. "We want to do Office natively" on the device because there's better compatibility when running old Office documents than using an iPad app like Apps To Go, he said. Plus, the Surface runs Adobe software like Flash.
As for training users to figure out Windows 8, he says it will be no harder than making them switch to an iPad.
"Windows 8 drives you batty for exactly four hours … seriously," he said. "Get yourself a Surface and it takes you a day to get used to keyboard and it takes about four hours to learn the touch interface."
We have to admit, this CTO makes a compelling case for Microsoft. If IT professionals like Widows 8—and evidence is mounting that they do—then the new OS will be a hit. They will buy it for large businesses, which are Microsoft's most important customers.
That doesn't mean Microsoft will convince the majority of its business customers to move to Windows 8 right away. Because of the big snafu that was Vista, coupled with the economic crash in 2009, most of them have only recently finished upgrading to Windows 7. They'll stick with that for a couple of years until their Windows 7 PCs are fully depreciated and off the books, typically three to five years.
But with nearly $67 billion of cash on hand, Microsoft can afford to wait.
Don't miss: The 10 Best Free Windows 8 Apps For Work And Play >
Get the latest Microsoft stock price here.


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A "birth plan" is like a game plan for your baby's arrival. You have little control over when your labor starts, but a birth plan ensures that you, your partner, and your care team are all aware of your wishes on some key things like pain meds, the people involved, episiotomies and cord cutting.
When to start your plan:
Usually I discuss the birth plan with my patients at the beginning of the third trimester. Often it is the childbirth classes she takes that help a woman make decisions about the type of birth she wants. If a woman has not taken classes, I suggest other resources available online or at the library that will help her make choices regarding her baby's birth.


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What kind of information does ICM, Inc., collect?
Personally Identifiable Information Collection and Use
This Website only collects personally identifiable information from you if you choose to provide this information to us. Examples of personally identifiable information collected with your consent include name, e-mail address, information on an employment application or resume, or any inquiries you may make through our Website. ICM, Inc., will not disclose this information to any third party. The following are the uses we make of such personally identifiable information.
- We review your potential suitability for an available career opportunity. Any information submitted by persons seeking employment will be forwarded to the Human Resources Department of ICM, Inc., and will be retained for six months. It will not be used for any other purpose.
- If you provide information regarding facility-related problems or concerns, we will forward that information to the appropriate ICM, Inc., employees and/or sub-contractors responsible for responding to your inquiry, so they may accurately respond to your inquiry. We will retain such information indefinitely.
- We also may use the information we collect from our inquiry forms to develop a database of frequently asked questions. While we reserve the right to use any general information you submit, (i.e. problems with belts on a specific piece of machinery) for this database, we will not store such information with any personally identifiable information about either you or the facility you are referencing. Upon future cataloging and publication of this information into a searchable database on our Website, neither the person submitting the inquiry nor the facility referenced in the inquiry will be identified.
- If required by law to do so, we will disclose personally identifiable information in response to a Court order, warrant, or other comparable legal instrument with which our legal advisors direct us to comply.
- From time to time, ICM, Inc., will outsource certain services relating to the operation of Website functions. For example, we may hire a programmer to add new capabilities to our Website. In this case, we may be required to permit the service provider access to information you supply online in order to properly manage our Website. We will require that the service provider acting on our behalf abides by our Privacy Policy and institutes safeguards to protect the confidentiality of your personally identifiable information.
Cookies are small pieces of data that are saved on your computer's hard drive by your Internet browser. This Website does not currently use cookies. Future Website development may, however, require the use of cookies. Our Privacy Policy will be updated if and when that change takes place.
Non-personally identifiable information
This Website also may collect information from you that is not personally identifiable. We may record information about your visit to the site without recording any personal information. For example, our Web server monitors our Website traffic and develops certain statistics, including the number of Website visitors, pages most frequently accessed, and the browser type used to access our Website.
How will ICM, Inc., use the information it collects?
The information collected by this Website is used only for replying to your inquiries, for creating a database of information to better serve our customers, for processing employment application information, and for the administration, review, and improvement of our Website.
You agree that by providing your e-mail address in our inquiry forms, ICM, Inc., may contact you in response to your comments or inquiries, or to proceed with steps necessary in the pre-employment process. If you decide that you do not want to receive further e-mails regarding your inquiry from ICM, Inc., you may reply to our e-mail and ask us to remove you from our contact list, or you may call 316-977-6118 and ask to be removed.
Will ICM, Inc., sell my information?
ICM, Inc., respects your privacy and does not and will never sell, rent, or lease any personally identifiable information to any third party.
Is my personally identifiable information secure?
ICM, Inc., takes the security of your personally identifiable information very seriously. We have taken significant precautions to provide secure transmission through our server. In the event we request or transmit sensitive information, we use industry standard, secure socket layer ("SSL") encryption.
We strictly limit access of personally identifiable information to only those ICM, Inc., employees who need the information in order to carry out their job responsibilities or to answer your inquiries. All secure information is stored in an area where only our Web Master and our IT Manager have access. Information received is processed in two ways. If the information relates to an application for employment, it is forwarded to our Human Resources department, which is responsible for it from that point forward. If the information is an inquiry, it is forwarded to the person/department most capable of responding. The question and the response are then sent back to the Web Master, who catalogs them on our secure server and forwards the information back to you.
Will ICM, Inc., change the privacy policy?
ICM, Inc., reserves the right to change, alter, or amend this Privacy Policy at any time, and such changes will be posted on this page. Your continued use of our Website signifies your agreement to both our Website's Privacy Policy and our Terms & Conditions of Use.


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News editor
It can be easy at times to overlook vision problems, but nobody should ignore a change in their vision, especially a sudden change, optometrist Zach Unruh of Mid Kansas Eyecare in Hillsboro said.
"The danger in vision problems is ignoring them, because they can indicate systemic problems that can be taken care of if you don't ignore them," Unruh said.
The eyes are very sensitive tissue, so they are often one of the first places noticeably affected by problems elsewhere in the body — diabetes and high blood pressure often manifest in vision issues, Unruh said, and brain problems like strokes, tumors, and aneurysms are likely to be noticeable in a person's vision.
The reason brain issues so often are noticeable in a person's vision is because the part of the brain that processes signals from a person's eyes is in the back of the brain. Signals have to make their way through the rest of the brain first, so anything out of the ordinary will affect vision.
Even if vision problems aren't caused by problems elsewhere in the body, uncorrected vision issues can lead to eye strain, which can contribute to fatigue and headaches, Unruh said.
A person's vision is most likely to change naturally before the age of 20 or 22, Unruh said. He encourages parents to have a child's vision checked around age 3. Young children don't often complain about vision problems, because they don't know how clearly they should be able to see, he said.
If nothing is wrong, another exam isn't usually warranted until a child is ready to begin school, then around once a year afterward.
The most common time when a person's vision will change, and require corrective lenses, is 10 to 13 years old, he said, while he or she goes through a growth spurt. By age 20 or 22, though, a person's vision usually stabilizes.


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Only five percent of data is analyzed because of improper documentation. Efficiently processing data to gain further insight is becoming a key distinguisher for top-performing companies.
NI created the binary TDM file format to enable saving well-documented measurement data. TDM is an easily exchangeable, inherently structured, high-speed-streaming-capable file format.
Read, inspect, and search virtually any custom file format with DataPlugins to map any format to the universal TDM model.
DataFinder automatically indexes and parses any file format to create a highly searchable database of all properties in the data files.
Specifically designed client software to help you quickly locate, inspect, analyze, and report on measurement data
Server-side software that saves time and effort finding the data you need by automatically indexing measurement data from anywhere on the network
Server-side software that efficiently handles bulk measurement data analysis processing
Struggling with long test-cycle times and the problem of cross-department test information management, Raytheon found a solution for automating and standardizing data management with DIAdem.


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Guide to the Soundex System
The Soundex filing system, alphabetic for the first letter of surname and numeric thereunder as indicated by divider cards, keeps together names of the same and similar sounds but of variant spellings.
To search for a particular name, you must first work out the code number for the surname of the individual. No number is assigned to the first letter of the surname. If the name is Kuhne, for example, the index card will be in the "K" segment of the index. The code number for Kuhne, worked out according to the system below, is 500.
Soundex Coding Guide
Code Key Letters and Equivalents 1 b, p, f, v 2 c, s, k, g, j, q, x, z 3 d, t 4 l 5 m, n 6 r
The letters a, e, i. o, u, y, w, and h are not coded.
The first letter of a surname is not coded.
Every Soundex number must be a 3-digit number. A name yielding no code numbers, as Lee, would thus be L000; one yielding only one code number would have two zeros added, as Kuhne, coded as K500; and one yielding two code numbers would have one zero added, as Ebell, coded as E140. Not more than three digits are used, so Ebelson would be coded as E142, not E 1425.
When two key letters or equivalents appear together, or one key letter immediately follows or precedes an equivalent, the two are coded as one letter, by a single number, as follows: Kelly, coded as K400; Buerck, coded as B620; Lloyd, coded as L300; and Schaefer, coded as Sl60.
If several surnames have the same code, the cards for them are arranged alphabetically by given name. There are divider cards showing most code numbers, but not all. For instance, one divider may be numbered 350 and the next one 400. Between the two divider cards there may be names coded 353, 350, 360, 365, and 355, but instead of being in numerical order they are inter- filed alphabetically by given name.
Such prefixes to surnames as "van," "Von," "Di," "de," "le," "Di," "D'," "dela," or "du" are sometimes disregarded in alphabetizing and in coding.
The following names are examples of Soundex coding and are given only as illustrations.
Name Letters Coded Code No. Allricht l, r, c A462 Eberhard b, r, r E166 Engebrethson n, g, b E521 Heimbach m, b, c H512 Hanselmann n, s, l H524 Henzelmann n, z, l H524 Hildebrand l, d, b H431 Kavanagh v, n, g K152 Lind, Van n, d L530 Lukaschowsky k, s, s L222 McDonnell c, d, n M235 McGee c M200 O'Brien b, r, n 0165 Opnian p, n, n O155 Oppenheimer p, n, m O155 Riedemanas d, m, n R355 Zita t Z300 Zitzmeinn t, z, m Z325
Native Americans, Orientals, and Religious Nuns
Researchers using the Soundex system to locate religious nuns or persons with American Indian or oriental names should be aware of the way such names were coded. Variations in coding differed from the normal coding system.
Phonetically spelled oriental and Indian names were sometimes coded as if one continuous name. or, if a distinguishable surname was given, the names were coded in the normal manner. For example, the American Indian name Shinka-Wa-Sa may have been coded as "Shinka" (S520) or "Sa" (S000). Researchers should investigate the various possibilities of coding such names.
Religious nun names were coded as if "Sister" was their surname, and they appear in each State's Soundex under the code "S236." Within the State's Soundex Code S236, the names are not necessarily in alphabetical order.


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New York Times
Hardcover Fiction Bestsellers
September 9, 2018
1. Texas Ranger
James Patterson and Andrew Bourelle
Rory Yates's job and reputation are at risk when he is accused of killing his ex-wife.
2. The President is Missing
Bill Clinton and James Patterson
President Jonathan Duncan takes on adversaries at home and abroad.
3. Pieces of Her
Karin Slaughter
When a violent incident reveals her mother's secret past, Andrea Oliver searches for clues to save her.
4. Tailspin
Sandra Brown
A pilot investigates treacherous situations when he attempts to deliver a mysterious black box to a doctor in George.
5. The Outsider
Stephen King
A detective investigates a seemingly wholesome member of the community when an 11-year-old boy's body is found.
6. Desolation Mountain
William Kent Krueger
An independent investigation into a deadly plane crash in a remote part of a Native American reservation faces a menace.
7. Before We Were Yours
Lisa Wingate
A South Carolina lawyer learns about the questionable practices of a Tennessee orphanage.
8. The Other Woman
Daniel Silva
Gabriel Allon, the art restorer and assassin, fights the Russians to decide the fate of postwar global order.
9. Little Fires Everywhere
Celeste Ng
An artist upends a quiet town outside Cleveland.
10. A Gentleman in Moscow
Amor Towles
A Russian count undergoes 30 years of house arrest.
11. The Woman in the Window
A. J. Finn
A recluse who drinks heavily and takes prescription drugs may have witnessed a crime across from her Harlem townhouse.
12. Feared
Lisa Scottoline
Mary DiNunzio and Bennie Rosato must solve a murder and handle a reverse sex discrimination suit against their firm.
13. Cottage by the Sea
Debbie Macomber
Annie Marlow forms new relationships in the Pacific Northwest as she tries to recover from tragedy.
14. Paradox
Catherine Coulter
In the 22nd book in the F.B.I. Thriller series, agents Sherlock and Savich look for an escaped psychopath.
15. The Great Alone
Kristin Hannah
A former prisoner of war moves his family to Alaska.
© 2018 All rights reserved by New York Times Syndication Sales Corp. This material may not be published, broadcast or redistributed in any manner.
A version of this list appears in the September 9, 2018 issue of The New York Times Book Review. Rankings reflect sales for the week ending August 25, 2018.
St Charles Public Library
One S. 6th Ave.
Saint Charles, Illinois 60174


text: Sometimes the only way to resolve a dispute with another party is through civil litigation. But litigation can be intimidating, particularly if you're on the receiving end of a lawsuit. If you've been named as the defendant in a lawsuit, hire a litigation attorney as quickly as possible. You have a limited period of time to respond after being served with the summons, complaint and notice of the lawsuit. A litigator can read the legal paperwork, review the necessary evidence, talk to witnesses and then develop a strategy to respond to the lawsuit. Often an out-of-court settlement is the ideal response for both the plaintiff and the defendant--but it may take the threat of litigation to bring both parties to the table to negotiate a mutually agreeable resolution. If a settlement can't be reached, your litigation lawyers can represent you during the trial and vigorously advocate on your behalf.


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We've poisoned their food supply and destroyed their natural habitats. With flocks of birds falling out of the sky and whales beaching themselves on the shore, its like nature is giving us a sign; enough is enough. Maybe, just maybe, we've pushed nature too far and animals are giving up and taking their own lives. With this in mind, we created a campaign for the China Environmental Protection Foundation featuring animal suicide. All the animals we used were already dead when we found them. Did they take their own lives? Who knows, but who could blame them if they did? We hope this campaign will make people sit up and take notice of the damage we are doing to our planet.
Client: China Environmental Protection Foundation Agency: Ogilvy & Mather Advertising Hong Kong Country: Hong Kong Account team: Paul Lam Executive Creative Director: Simon Handford Executive Creative Director: Sandy Chan Creative Director: Alvin Lim Art Director: Alvin Lim Art Director: Sonny Tjahjadi Art Director: Jason Pan Art Director: Chika Tsang Associate CD / Copywriter: Richard Sorensen Client Team Director: Tak Chi Lee Photographer: Joe Lam Retoucher: Janis Ng Retoucher: Joe Lamvia www.coloribus.com